39 Project Funding Jobs

Job Details If you are an exceptionally intelligent and highly motivated leader with a proven track record in corporate finance and business strategy, eager to shape the future of premium real estate across Mumbai, this is your opportunity to make a significant impact. In this role, you will drive organizational growth, optimize financial performance and steer market expansion initiatives, while mentoring high-performing team members. As a AGM Corporate Finance & Business Strategy, you will wear multiple hats: Strategic Leadership Lead the development and refinement of the companys business strategy, aligning short-term goals with long-term aspirations to drive sustainable growth and profitability Collaborate with various internal teams and management to identify and implement innovative practices, positioning the organization as a leader in the real estate market Corporate Finance & Financial Excellence Oversee company-wide financial planning and analysis, including forecasting, performance benchmarking, and evaluating efficiency metrics across the entire business Prepare high-level financial models, reports, and presentations for stakeholders, ensuring clarity and actionable insights Evaluate and manage large-scale investment opportunities, conducting in-depth risk analyses and ensuring alignment with organizational goals Investor Relations Develop and maintain robust relationships with prospective investors, presenting compelling business cases through well-crafted updates, presentations, and interaction materials Lead transaction management efforts, including investor discussions, due diligence processes, and negotiations with internal and external stakeholders to support capital-raising and strategic partnerships Business Strategy Drive market expansion initiatives, formulating comprehensive entry strategies for new geographies and ensuring compliance with regional regulations Spearhead initiatives to enhance operational efficiency and competitive positioning, leveraging industry insights and innovative practices Guide the exploration of emerging market trends and opportunities to stay ahead of competitors and maximize organizational impact Leadership & Mentorship Inspire and mentor execution teams, fostering a culture of accountability, innovation, and excellence Act as a trusted advisor to the management team, contributing to organizational transformation and long-term business sustainability Lead organizational initiatives to enhance operational stability, scalability, and efficiency, ensuring readiness for future growth Core Requirements Work experience of 8+ years, in corporate finance, strategy at a Real Estate Developer, or investment management, with significant exposure to the real estate sector Education at a top-tier university/college will be a plus Extreme attention to detail Excellent Excel modelling skills, and ability to handle large data sets Outstanding communication and interpersonal skills Ability to think creatively and support decisions analytically Strong work ethic and discipline Paranoia for organization, timeliness, and optimization Passion for entrepreneurship and top-quality Real Estate

Job Title: Sr./Manager Funding Location: Chennai Organization: DRA Homes Reports To: CFO Experience: 7 to 15 years About DRA Homes With a rich legacy spanning over three decades, DRA Homes has consistently delivered landmark real estate developments across South India. Headquartered in Chennai, we are committed to crafting high-quality residential and commercial spaces driven by the core principles of financial discipline, operational excellence, and customer-centric innovation . As we continue to scale our presence in the Southern markets, we are seeking a results-driven and financially astute Manager – Funding to anchor our capital-raising initiatives and support our growth trajectory. Role Summary The Manager – Funding will be a key member of the finance leadership team, responsible for formulating and executing the company’s funding strategy across project lifecycles. This role involves sourcing capital through diverse instruments including construction finance, lease rental discounting, structured debt, and working capital facilities. The ideal candidate will bring strong institutional relationships, ability to align funding strategies with organizational objectives. Key Responsibilities Capital Planning: Evaluate project-wise and corporate funding requirements in alignment with development and business plans. Fundraising Execution: Source and secure funding from banks, NBFCs, AIFs, and private lenders for project and corporate needs. Credit Documentation: Prepare and present financial models, CMA data, project cash flows, and business decks for credit evaluation. Lender Engagement: Establish and maintain strong relationships with institutional lenders and investors; manage negotiations and term finalization. Due Diligence & Compliance: Facilitate lender due diligence, ensure timely documentation, disbursement, and compliance with all financial covenants. Monitoring & Reporting: Maintain detailed MIS on fund utilization, repayment schedules, and covenant tracking across all funding instruments. Market Intelligence: Stay abreast of funding trends, regulatory changes (RBI/NHB), and evolving risk appetite across lending institutions. Internal Collaboration: Work closely with finance, legal, strategy, and project execution teams for integrated financial management. Candidate Profile Educational Qualification: B.com ,MBA (Finance), Chartered Accountant (CA), or CFA preferred. Experience: 7–12 years of experience in fundraising. Expertise: Excellent negotiation, documentation, and stakeholder management skills. Personal Attributes: High level of integrity and confidentiality. Strategic thinker with strong execution capabilities. Ability to thrive in a fast-paced, entrepreneurial environment.

1 year experience in Banking sector. Require necessary Documents like Education Documents and Experience Documents for fast Process . Urgent Namita Gandhi 9974602009 krisha.hr@gmail.com

Department Construction Equipment Location PAN India Reporting Relationships AVP Position Grade M1 Sourcing new to bank (NTB) clients Relationship managementfor Mid and large corporates / Infrastructure companies Experience in handling clients with more than 25 cr Turnover, and avg ticket size of lending of >Rs.10crs. Candidate should have dealt with following products: Cash credit/Over draft Limits Project funding for EPC projects Term Loan/Foreign currency Term Loan for Working capital and Equipment/Plant and Machinery Purchases Bank Guarantee Limits Buyers credit Limits Trade products i.e. LC Limits (for Import and domestic purchases) Bill Discounting Limits both LC backed and BOE backed MBA Finance/Marketing, CA Experience in acquiring new to bank Clients Experience of handling mid to large corporate clients Knowledge of various wholesale banking products like CC, OD, BG, BC LCs and Trade & Forex, export products and project Term Loans Knowledge of Infra companies into Road/Civil Construction and Development, Power, Irrigation, water and sewerage, Mining and Quarry, Oil and Gas Exploration, Ports, Shipping, Warehousing and Material Handling, Hotels, Hospitals will be an added advantage Knowledge of Mortgage and properties Good negotiation skills Application: If you wish to apply for this job position, please fill your details in the Kotak Fast Track Application Form and mail to Please mention the following in the subject line as Position Name Your Name Your Current Business group

Sourcing new to bank (NTB) clients Relationship managementfor Mid and large corporates / Infrastructure companies Candidate should have dealt with following products: Cash credit/Over draft Limits Project funding for EPC projects Term Loan/Foreign currency Term Loan for Working capital and Equipment/Plant and Machinery Purchases Bank Guarantee Limits Buyers credit Limits Trade products i.e. LC Limits (for Import and domestic purchases) Bill Discounting Limits both LC backed and BOE backed

Job description Role: Raising of debt funds through various sources to meet the requirements of NBFC lending operations as per the Business Plan of the Company. The Candidate is expected to plan, source, and manage the funds requirements in a timely and cost-effective manner so that the liability profile remains strong enough to support the business growth of the Company. Key Responsibilities - Funds and liquidity planning according to growth requirements and business plan of the Company, handling entire funds raising activities and maintaining a healthy liability profile - Raising Funds through various sources in different short and long-term instruments such as Line of Credit/CC/OD, Term Loans, NCDs, CPs, ECBs - Maintaining healthy relationships with Fund Providers of the Company. Meeting their informational/documental requirements and handling their queries/requests in a qualitative and pro-active manner. Preparation of Executive Summary/IMs/Proposals/CMAs etc. for proposed borrowings - Negotiation of interest rate and other charges with lenders/investors to minimize the cost of borrowings - Review and execution of various facility and security documents related to borrowings with the help of internal/external legal team - Completion of pre- and post-disbursement requirements of the lenders/investors related to borrowings - Handling of auditors periodical requirements related to borrowings - Preparation and submission of data/documents/reports for renewal/review of existing loan facilities, handling queries and providing clarifications wherever required - Working with lenders/investors for renewal/enhancement of existing borrowing limits - Maintaining sound relationship with Credit Rating agencies, meeting their periodical informational requirements, providing periodical updates, conducting review and surveillance meetings for renewal of existing ratings and fresh rating - Ensuring compliance with the regulatory guidelines, debt covenants of lenders/investors and internal policies of the Company - Smooth co-ordination with various internal functions for meeting the requirements of Lenders, Investors, Credit Rating agencies, Debenture Trustees, Registrars, Depositories, IPAs and other external agencies involved in debt raising - Developing and generating MIS/Analytical Reports/Presentations for internal and external requirements.

Job Description: Relationship Manager Location : [Bangalore East, North and South] Job Type: Full-time Experience: Minimum 1 year in Home Loans, Personal Loans, Business Loans Industry: Financial Services / Loans Reporting To : Sales Manager Job Summary: We are looking for an experienced and highly motivated Relationship Manager to manage and grow business through the Builder and Freelancer channels. The role requires building strong relationships with real estate builders, channel partners, and freelancers to generate consistent business leads for loan products such as Home Loans, Loan Against Property (LAP), Home Loans, Personal Loans, Business Loans and Project Funding. Key Responsibilities: > Develop and maintain strong relations with builders, real estate developers, channel partners and Freelancers > Identify and onboard new freelance agents and maintain an active agent network. > Drive loan business through these channels to meet monthly sales targets. > Conduct regular site visits to builder projects and maintain continuous engagement. > Train and guide freelancers and builder staff on loan products and documentation. > Coordinate with internal credit and operations teams to ensure smooth processing. > Handle customer escalations and ensure high levels of satisfaction. > Monitor market trends, competitor activity, and update management regularly. Requirements: > Minimum 1 years of experience in loans, especially in builder/channel partner/freelancer verticals. > Strong network of real estate contacts and freelancers in assigned region. > Excellent communication, interpersonal, and relationship-building skills. > Ability to work independently, travel extensively, and manage multiple accounts. Graduate in any discipline Perks & Benefits: Fixed Salary + Attractive Incentives Mobile & Travel Reimbursement Opportunity to work with top banks and NBFCs Growth & Leadership Opportunities How to Apply: Send your updated CV via WhatsApp to +91-7090866777 or email it to hr@hdcp.in Package 2.5 Lakh to 5 Lakhs

Greetings from India Pharma People A leading Pharma Major is looking for Manager/Sr. Manager - Corporate Finance & Banking based at Banglore The candidate must have minimum of 7 years of experience in Debt Syndication, credit appraisal, Project finance, Financial Modelling & Analysis. Qualification: MBA/CFA/CMA/CA Key Responsibilities are as below: Financial Modelling & Analysis Preparation of annual budget Preparation of CMA & IM/DRP Relationships & and coordinate with banks / financial Institutions/ NBFC/ Credit funds Coordinating with various agencies, including TEV, LIE, valuation, legal Counsel etc. Process and manage trade finance instruments, including Letters of Credit (LCs), Bank Guarantees, and Bills of Exchange. Evaluate risks associated with trade agreements, payment terms, and currency fluctuations (forex hedging). Preparation and timely submission of drawing power (DP) and other banking compliances to ensure the smooth banking process. Preparation and submission of Stock statement, FFR, UFCE, etc. Act as the primary liaison with banks and financial institutions for credit facilities, trade loans, and other financial services. Partner with cross-functional departments to understand the business needs for finalisation of information required to be shared with lenders/external rating agencies. Prepare trade finance performance reports, including key metrics such as cash flow forecasts, credit utilisation, and cost of financing. Analyse trade finance data to identify opportunities for cost reduction and process improvement. Candidates having around 7 years of experience in hashtag#Fundraising (Project Term Loan) hashtag#WorkingCapital loan assessment (Fund based & Non-Fund Based) CMA preparation hashtag#PreSanction bank/lender lesioning hashtag#PostSanction compliances & disbursement hashtag#Financial Modelling hashtag#BankingOperation : Opening of BG/LC hashtag#WorkingCapitalManagement hashtag#EquityFund Raised (if any Many please share their CV at ipp@indiapharmapeople.com or whatsApp at 9767790833 Regards Jai Hind Satish Sanhotra India Pharma People 9767790833

for a chartered accountant with 0 to 1 year experience in Financial reporting domain of listed and unlisted entities in India. The ideal candidate should be able to assist in the financial preparation under IndAS and IFRS along with book closing activities and handling the audit queries independently. Support overall financial statement preparation by executing accurate and timely completion of accounting activities in compliance with internal guidelines and procedures and external regulatory requirements. 1. Accounting Performs general accounting activities, applying techniques and standards to solve unusual issues with expertise in IndAS/IFRS. Supplies limited advice on accounting matters based on well-established principles and practices. 2. Analysis Executes accounting analyses and reports as assigned. 3. Reporting Ensures the production of reports, statement of accounts, reconciliations, statements of sourcing, and application of funds. 4. Optimization Assists in developing and implementing processes and procedures, and continuously optimizes to gain efficiency and drive productivity gains. 5. Investigation Conducts investigations and reconciliations of accounts as necessary. 6. Financial transactions Applies accounting techniques and standard practices to the classification and recording of financial transactions. 7. Internal controls Participates in internal control testing and prepares relevant documentation. 8. Risk assessment Supports management with financial aspects of project funding and risk assessment. .

As a Chartered Accountant firm, we are seeking Trainees and paid staff, including B.Com. and other professional aspirants. The primary areas of work will involve: Preparation of Financials for both Public and Private entities. Conducting Due Diligence on behalf of Banks. Performing Internal and Statutory audits for Public and Private entities. Preparing Project reports and assisting in Project Funding. Ensuring compliance with Secretarial requirements. Handling GST and Income Tax Appeals, as well as managing compliance matters such as Returns.,

Sourcing new to bank (NTB) clients Relationship management for Mid and large corporates / Infrastructure companies Experience in handling clients with more than 25 cr Turnover, and avg ticket size of lending of >Rs.10crs. Candidate should have dealt with following products: Cash credit/Over draft Limits Project funding for EPC projects Term Loan/Foreign currency Term Loan for Working capital and Equipment/Plant and Machinery Purchases Bank Guarantee Limits Trade products i.e. LC Limits (for Import and domestic purchases) Bill Discounting Limits both LC backed and BOE backed Buyers credit Limits,

Minimum 8-10+ Yrs in finance, business strategy , Financial modelling, Fund raising (Real Estate Preferred) . to assist the senior management in managing the financial aspects of the operations ,preparing financial report

Required Skills Functional | Basic Accounting Principles | Expenses and Revenues Functional | Basic Accounting Principles | Entries to Journals and Ledgers Education Qualification : M.Com Details: 1. Will be responsible to have knowledge of all financial data and prepare accurate statements for our company. 2. This role involves responsibilities include budgeting, managing tax payments and performing internal audits and act as a consultant for senior managers, conducting cost and revenues analyses. 3. To be qualified for this role, you should have a degree in Accounting and relevant work experience. 4. Preparing the monthly profit and loss, and balance sheet reports 5. Tax reporting and inventory processing 6. Collecting and analyzing data, which is then used in the preparation of weekly and monthly estimates 7. Advising on estimates for project funding 8. Preparing weekly cash flow statements, and controlling expenditure and cash flow 9. Assisting with the preparation of year-end accounts and statutory accounts 10. Responding to financial inquiries by gathering and interpreting data 11. Conducting internal audits such as wage reviews 12. Examining financial records to check for accuracy 13. Managing and training staff when necessary

Job Title: : Finance-cum-Procurement Expert Job Summary The Finance-cum-Procurement Expert will be responsible for managing project budgets, forecasting, expenditure monitoring, payment reconciliation, and ensuring compliance with government purchase rules. The role also involves supporting bid process management, revenue augmentation activities, and drafting procurement-related documents. Key Responsibilities Manage project budget, budget forecasting, and expenditure monitoring. Perform payment reconciliation and Return on Investment (ROI) analysis. Ensure adherence to Government purchase rules. Facilitate and support the Department in identifying agencies for procurement of goods and services through bid process management. Provide technical support and reporting on activities related to revenue augmentation through registrations. Draft Letter of Intent, Work Order, and contract agreements. Qualification Criteria MBA/PGDM (Preferred - Finance) or Chartered Accountant (CA) from a recognized institution. Experience Minimum 7 years of work experience, with more than 3 years in projects with Central/State Government, Multilateral Institutions, or government agencies. Primary Skills Project Budgeting and Forecasting Expenditure Monitoring Payment Reconciliation Return on Investment Analysis Government Procurement Rules Bid Process Management Revenue Augmentation Strategies Contract Drafting and Management We kindly request that you apply only if you meet the required criteria outlined above. Please note that profile selection will be based on your responses to the questions below. We encourage you to answer thoughtfully, as your responses will be a key part of the evaluation process.

Role :Senior Manager / AGM- Finance Exp: 10-15 Years Location: Gurugram Role Objective: Oversee and manage the Financial Planning, Project Funding-Finance within the framework of organizational fund requirements Job Role and Profile: 1. Financial planning, Working Capital Management, Project Funding, Investor Relations and fund Management. 2. Documentations of CMA Data for Project Loans, Financial Reporting and Risk Analysis. 3. Liaise with Banks and NBFCs for loan Sanctions and Manage periodic disbursements. 4. RERA Regulatory Compliances and Ensure compliance inline to Banking and RBI Regulations 5. Prepare MIS reports and maintain project cash-flows. 7. Handle necessary documentation and audits, ensuring timely financial servicing. 8. Strong understanding of financial documentation, loan processes, and compliance. 9. Preparation /Review of the financial statements of the company and its subsidiaries / group companies. 10. This includes but is not limited to : Treasury & Cash Management, Debt Facilities, Risk Management and Audits, Tax Compliance and Contract Management 11. Financial Strategy : including budgeting, forecasting, contributing to overall strategy and investment prioritization. 12. Risk Management: organizational risk framework (strategic and financial). 13. Coordination with Internal and Statutory Auditors, ensuring total compliances of Statutory and Regulatory compliances. 14. Investor Relation, Project Finance from Banking, NBFC and PE firms 15. Analyse financial data and trends to identify opportunities for cost savings and improved profitability. 16. Manage cash flow and ensure the timely pay 17. Supporting the HOD Finance & Accounts and Senior Management by acting as a Business Partner and taking various decisions by providing necessary analytics. 18. Monitor & Controlling day to day Financial Operations within the company. Qualifications: Bachelor's Degree in Finance or related field (CMA/ CA/ MBA -Finance will be preferred). Shall have 10-15 years of experience as a Finance Manager or similar role. Proven track record of success in Financial Management, Corporate Finance, Project / Term Loans, Budgeting, and reporting. Strong analytical and problem-solving skills. Experience in loan appraisals, financial analysis, and working with banks/NBFCs. Strong communication skills and proficiency in compliance management. Proficiency in financial accounting software Experience working in the design or construction industry (a plus).

the FundraisingJob title: AGM Finance Location: Ahmedabad Industry- Chemical (Manufacturing) Experience required: Min 10 yrs relevant Financial Modelling, Fund raising, CMA, Banking, Team Lead, Finance and Accounts, Investor presentation, Financial Analysis. Preferred candidate profile Preferably CA with 10+ yrs of experience in Chemical Manufacturing Industry Must have managed Finance team for a medium size company (min turnover Rs. 400 cr)

ROLES & RESPONSIBILITIES: Lead and manage the finance function including budgeting, forecasting, MIS reporting, and cash flow planning. Coordinate with auditors, banks, consultants, and government authorities for audits, funding, and regulatory matters. Develop financial models and conduct scenario analysis for investment decisions and new project feasibility. Monitor internal controls, improve financial processes, and mitigate financial risks. Lead the preparation of CMA data and project reports for bank financing or investor presentations. Manage treasury operations including working capital management, fund utilization, and cost control initiatives. Support strategic initiatives including mergers & acquisitions, joint ventures, or expansion plans. Implement and maintain ERP or financial systems to streamline finance operations. REQUIRED CANDIDATE PROFILE: Qualified CA / CMA / MBA (Finance) with 5-7 years of progressive experience in financial management. Proficiency in financial analysis, budgeting, and forecasting tools. Excellent interpersonal, leadership, and team management skills. Ability to work under pressure, meet tight deadlines, and drive financial discipline. REQUIRED COMPETENCIES: 1. Strong financial analysis skills. 2. Strong communication skills, both written and verbal. 3. Strong organizational and stress management skills. 4. Proficiency in Microsoft Office, particularly with Excel. 5. Ability to train and manage staff. 6. Ability to recognize potential issues and problems, know when to escalate and propose solutions where possible. 7. Strong analytic and quantitative ability. Organized, disciplined, process oriented with bank liaising ability. 8. An excellent communicator with the ability to work effectively at all levels within the organization.

Role & responsibilities 1. Identify and explore funding opportunities (loans, investors) for company projects and expansions. 2. Develop and manage relationships with financial institutions, investors, and stakeholders. 3. Prepare funding proposals, business cases, and financial models. 4. Collaborate with internal teams (finance, operations) to ensure funding aligns with company goals. 5. Manage funding applications, negotiations, and agreements. Preferred candidate profile 1. Finance, business, or related field experience. 2. Strong networking and communication skills. 3. Financial modeling and proposal writing expertise.

- More than 1 years of experience in CRE, LRD, CF. Credit and financial modelling exp will be an added advantage. - Age up to 38 years - Local experience and having good connects with the builder lobby is must - Interested can call *8780904289*

Relationship Manager-CONSTRUCTION EQUIPMENT (CE)-Marketing Branches Operations Sourcing new to bank (NTB) clients Relationship management for Mid and large corporates / Infrastructure companies Candidate should have dealt with following products: 1. Cash credit/Over draft Limits 2. Project funding for EPC projects 3. Term Loan/Foreign currency Term Loan for Working capital and Equipment/Plant and Machinery Purchases 4. Bank Guarantee Limits Trade products i.e. LC Limits (for Import and domestic purchases) Bill Discounting Limits both LC backed and BOE backed 7. Buyers credit Limits

Relationship Manager-CONSTRUCTION EQUIPMENT (CE)-Marketing Branches Operations Sourcing new to bank (NTB) clients Relationship management for Mid and large corporates / Infrastructure companies Candidate should have dealt with following products: Cash credit/Over draft Limits Project funding for EPC projects Term Loan/Foreign currency Term Loan for Working capital and Equipment/Plant and Machinery Purchases Bank Guarantee Limits Buyers credit Limits Trade products i.e. LC Limits (for Import and domestic purchases) Bill Discounting Limits both LC backed and BOE backed

Required Skills Functional | Basic Accounting Principles | Entries to Journals and Ledgers Education Qualification : B.Com Details: 1. Will be responsible to have knowledge of all financial data and prepare accurate statements for our company. 2. This role involves responsibilities include budgeting, managing tax payments and performing internal audits and act as a consultant for senior managers, conducting cost and revenues analyses. 3. To be qualified for this role, you should have a degree in Accounting and relevant work experience. 4. Preparing the monthly profit and loss, and balance sheet reports 5. Tax reporting and inventory processing 6. Collecting and analyzing data, which is then used in the preparation of weekly and monthly estimates 7. Advising on estimates for project funding 8. Preparing weekly cash flow statements, and controlling expenditure and cash flow 9. Assisting with the preparation of year-end accounts and statutory accounts 10. Responding to financial inquiries by gathering and interpreting data 11. Conducting internal audits such as wage reviews 12. Examining financial records to check for accuracy 13. Managing and training staff when necessary

Relationship Manager-CONSTRUCTION EQUIPMENT (CE)-Marketing Branches Operations Sourcing new to bank (NTB) clients Relationship management for Mid and large corporates / Infrastructure companies Candidate should have dealt with following products: Cash credit/Over draft Limits Project funding for EPC projects Term Loan/Foreign currency Term Loan for Working capital and Equipment/Plant and Machinery Purchases Bank Guarantee Limits Buyers credit Limits Trade products i.e. LC Limits (for Import and domestic purchases) Bill Discounting Limits both LC backed and BOE backeda

Relationship Manager who will be responsible for sourcing of new business from open market / RL branch network or CA / DSA channel network. Sourcing and servicing of Working capital ( Both Fund Based and Non Fund Based restricted to Transport / Logistics segment segments which includes products like Cash credit / Overdraft / WCTL / BG / LC / BC) Cross sell of other banking products Souring and Servicing of WC, Inventory Funding or Trade Advance to automobile Dealerships Warehousing Projects Finance ( restricted to transport / logistics segment ) Lease Rent Discounting (restricted to transport / logistics segment and automobile segments ) Evaluation of financials and structure the transactions with suitable product offerings to meet the clients finance requirement Preparing the marketing proposal and coordinating with credit team for approval of the NTB proposals Coordinating with technical, legal and operations team for loading and disbursement of files Actively evaluating the opportunity of cross sell to increase the wallet share Login and monitoring of TOD and Adhoc facilities on regular basis Coordination with the Trade team for non fund based transaction Coordinating with ops and monitoring for renewal / DRS / Enhancement / Property insurance updation. Taking care of WCDL disbursement and its tracking for deposits of payment on the due date. DRS Tracker. Monitoring of same and put reminder to client if any DRS exceed their deadline Arranging and submission of Book debts / stock statement on monthly basis i.e within deadline RCU of files prior login of any file ( renewal or enhancement )

3-4 years of experience Tractor loan Sales Capable for infant resolution and Cross sale like Tractor refinance, Gold Loan, life and general insurance Collection and infant resolution capabilities.