CreditCares Institutional Leadership & Syndication Desk

Led by Senior Ex-Bankers, Chartered Accountants & Project Finance Specialists

Institutional corporate debt syndication and project finance advisory led by seasoned investment bankers, ex-public sector bank executives, and empanelled technical appraisers.

Confidential Mandate Review Calculate DSCR & Amortization

Yash Jaiswal

Managing Principal & Founder

Corporate Debt Syndication · Project Finance · DPR & TEV Advisory

📍 Mumbai & Kolkata • 14+ Years Corporate Debt Experience • LinkedIn Profile →

CreditCares is founded and directed by Yash Jaiswal (Managing Principal) alongside a senior collegiate panel of former Chief Managers and Assistant General Managers from Tier-1 Public Sector and Private Commercial Banks (including State Bank of India, Punjab National Bank, Bank of Baroda, and Canara Bank) and practicing Fellow Chartered Accountants (FCAs).

Operating since 2012 from corporate desks in Mumbai (Raheja Titanium, Western Express Highway) and Kolkata (12th Floor, Tower II, Godrej Waterside, Salt Lake Sector V), Yash leads the structuring of ₹10 Crore to ₹500 Crore project finance, multi-bank consortium working capital (CC/OD/LC/BG), and bank-format Techno-Economic Viability (TEV) studies across 45+ Scheduled Commercial Banks and institutional lenders.

Institutional Underwriting & Structuring Benchmarks

Mandate evaluation and credit underwriting standards followed by our senior credit committee and syndication desks.

Advisory Parameter	CreditCares Institutional Practice	Market Average / DSA Standards	Promoter Advantage
Mandate Specialization	Strictly ₹10 Crore to ₹500 Crore Corporate Debt	Retail / MSME loans below ₹5 Crore	Direct access to Zonal & Head Office Credit Committees
Leadership Expertise	Ex-Bank Chief Managers, DGMs & Fellow CAs	General DSA brokers & referral agents	In-depth knowledge of RBI Prudential Framework & Credit Scoring
Banking Network	45+ PSU, Private Banks & DFIs (SIDBI, IREDA)	Limited 3–5 local branches	Competitive bidding across consortium partners for lower spreads
Technical Appraisal	In-house Empanelled DPR, TEV & CMA Modeling	Outsourced generic project reports	IBA-compliant documentation that passes risk audits

Execution Architecture & Mandate Delivery

How CreditCares navigates multi-banking committees, technical appraisals, and compliance milestones.

Ex-Banker Credit Committee Alignment: Our senior advisors have headed credit appraisal divisions at top Indian PSU banks. We structure term sheets and information memorandums to address internal bank risk scoring before submission.
Empanelled DPR & TEV Capabilities: We engineer bankable Detailed Project Reports and Techno-Economic Viability studies adhering strictly to Indian Banks’ Association (IBA) guidelines and debt-equity guidelines.
Consortium Lead Bank Mandates: From initial In-Principle Approval (IPA) to Inter-Creditor Agreement (ICA) execution and security creation, we coordinate lead and participating lenders until final disbursement.
Capital Subsidy & Grant Escrow Structuring: We integrate Central and State capital subsidies (MoFPI, PLI, State Industrial Policies) into project cash-flow waterfalls without triggering financial covenant breaches.

Credit Committee Bankability & Risk Mitigation

Why large-ticket applications fail at the Sanction Committee stage and how our desk immunizes your proposal:

Risk Factor 01 Unrealistic Projections & Inflated Margins

Credit committees reject CMA data that diverges from historical industry peers. We align growth rates with verifiable capacity and supply contracts.

Risk Factor 02 Inadequate Fixed Asset Coverage (FACR)

Banks mandate primary security coverage ≥ 1.25x. We restructure collateral packages and charge creation to satisfy conservative underwriting norms.

Risk Factor 03 Weak Inter-Creditor Alignment

Disputes over second-charge sharing stall consortium sanctions. Our desk negotiates standard ICA terms to ensure smooth joint documentation.

Frequently Asked Questions

Mandate & Syndication Inquiries

Is CreditCares a direct lender or Non-Banking Financial Company (NBFC)? ▼

No. CreditCares is an independent corporate debt syndication and project finance advisory consultancy. We do not accept public deposits or lend balance-sheet capital directly. All loans are sanctioned and disbursed solely by regulated Scheduled Commercial Banks and Financial Institutions.

What is the minimum mandate size CreditCares accepts? ▼

Our advisory practice strictly manages mandates from ₹10 Crore to ₹500 Crore. We specialize in mid-market corporates, large industrial enterprises, hospitals, infrastructure developers, and commercial asset owners.

Where are CreditCares primary corporate offices located? ▼

Our primary hubs are located in Mumbai (Raheja Titanium, Western Express Highway, Goregaon East – 400063) and Kolkata (12th Floor, Tower II, Godrej Waterside, DP-5, DP Block, Salt Lake Sector V – 700091).

How does CreditCares charge advisory fees? ▼

We follow transparent institutional fee structures based on clear project milestones. We do not levy arbitrary upfront processing fees prior to formal mandate acceptance and indicative feasibility sign-off.

How long has CreditCares been operating in India? ▼

CreditCares has been advising corporate clients and structuring debt syndications across India since 2012, structuring complex institutional debt syndications across India.

Confidential Corporate Mandate Desk

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Submit your financing requirements for an expert balance sheet review, DSCR stress test, and multi-bank syndication plan.

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✓ Institutional Debt Advisory ✓ 45+ PSU & Private Bank Consortium Network ✓ Strict Non-Disclosure Agreement (NDA)