Lender preview · alpine-knits-india

10 ECMs · Textile

Live underwriting from the auditor's measurements. DSCR at P5 is the governing metric — soft commitment is conditional on every §5 threshold clearing.

Investor view ↗Underwriting policy ↗
Underwriting eligibility
Ineligible — one or more §5 thresholds failed
Tenor / payback: 2.33× fails 1.0–1.5×. §5.2 ↗
DSCR @ P5
1.30×
Threshold ≥ 1.30× · §5.1
DSCR @ P50
1.92×
Threshold ≥ 1.75× · §5.1
EBITDA Coverage
—
Borrower financials pending
Recommended loan
₹69,29,731
30 mo @ 14% · DSCR target 1.30×
Policy compliance · UNDERWRITING_POLICY.md §5
✓
DSCR @ P5
1.30×
≥ 1.30×
§5.1
✓
DSCR @ P50
1.92×
≥ 1.75×
§5.1
✗
EBITDA Coverage
—
≥ 1.80×
§5.1
✗
Tenor / payback
2.33×
1.0–1.5×
§5.2
✓
Tenor bounds
30 mo
24–60 mo
§5.2
✗
Loan-to-CapEx
320%
≤ 90%
§5.3
✓
Min loan
₹69,29,731
≥ ₹25,00,000
§5.3
✓
Max loan (single borrower)
₹69,29,731
≤ ₹5,00,00,000
§5.3
✓
Prediction grade
B
A or B
§5.4
Predicted savings distribution
Calibrated band — μ 793,147 kWh/yr ± σ 59,764 kWh
Aggregated across 10 ECMs
Audit progress: 10 ECMsAuditor: —…Total CapEx: ₹21,68,000

Per-ECM detail

ECM 1·Motor upgrade
PINN unified
Predicted annual savings
Grade B
P5 (floor)
109,654 kWh/yr
Point
168,698 kWh/yr
P95
227,742 kWh/yr
DSCR @ P5
1315.85×
Grade
B
Payback (P5)
0.0 mo
Investment
₹2,000
ECM 2·Motor upgrade
PINN unified
Predicted annual savings
Grade B
P5 (floor)
37,688 kWh/yr
Point
57,982 kWh/yr
P95
78,276 kWh/yr
DSCR @ P5
452.26×
Grade
B
Payback (P5)
0.1 mo
Investment
₹2,000
ECM 3·Motor upgrade
PINN unified
Predicted annual savings
Grade B
P5 (floor)
19,508 kWh/yr
Point
30,013 kWh/yr
P95
40,518 kWh/yr
DSCR @ P5
234.10×
Grade
B
Payback (P5)
0.1 mo
Investment
₹2,000
ECM 4·Motor upgrade
PINN unified
Predicted annual savings
Grade B
P5 (floor)
20,748 kWh/yr
Point
31,920 kWh/yr
P95
43,092 kWh/yr
DSCR @ P5
248.98×
Grade
B
Payback (P5)
0.1 mo
Investment
₹2,000
ECM 5·Fan upgrade
PINN unified
Predicted annual savings
Grade B
P5 (floor)
72,070 kWh/yr
Point
110,877 kWh/yr
P95
149,684 kWh/yr
DSCR @ P5
1.82×
Grade
B
Payback (P5)
19.8 mo
Investment
₹9,50,000
ECM 6·Motor upgrade
PINN unified
Predicted annual savings
Grade B
P5 (floor)
55,241 kWh/yr
Point
84,986 kWh/yr
P95
114,731 kWh/yr
DSCR @ P5
4.21×
Grade
B
Payback (P5)
8.6 mo
Investment
₹3,15,000
ECM 7·Pump upgrade
PINN unified
Predicted annual savings
Grade A
P5 (floor)
24,772 kWh/yr
Point
31,759 kWh/yr
P95
38,746 kWh/yr
DSCR @ P5
5.66×
Grade
A
Payback (P5)
6.4 mo
Investment
₹1,05,000
ECM 8·VFDs / motor controls
PINN unified
Predicted annual savings
Grade A
P5 (floor)
58,024 kWh/yr
Point
74,390 kWh/yr
P95
90,756 kWh/yr
DSCR @ P5
17.41×
Grade
A
Payback (P5)
2.1 mo
Investment
₹80,000
ECM 9·VFDs / motor controls
PINN unified
Predicted annual savings
Grade A
P5 (floor)
42,592 kWh/yr
Point
54,605 kWh/yr
P95
66,618 kWh/yr
DSCR @ P5
12.78×
Grade
A
Payback (P5)
2.8 mo
Investment
₹80,000
ECM 10·Motor upgrade
PINN unified
Predicted annual savings
Grade B
P5 (floor)
96,146 kWh/yr
Point
147,917 kWh/yr
P95
199,688 kWh/yr
DSCR @ P5
3.66×
Grade
B
Payback (P5)
9.8 mo
Investment
₹6,30,000