Lender preview · gomuki-spinning-mills

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 — Grade C prediction (re-audit required)
Grade C predictions require re-audit to tighten σ. §4.2 ↗
DSCR @ P5
1.30×
Threshold ≥ 1.30× · §5.1
DSCR @ P50
1.99×
Threshold ≥ 1.75× · §5.1
EBITDA Coverage
—
Borrower financials pending
Recommended loan
₹32,19,702
24 mo @ 14% · DSCR target 1.30×
Policy compliance · UNDERWRITING_POLICY.md §5
✓
DSCR @ P5
1.30×
≥ 1.30×
§5.1
✓
DSCR @ P50
1.99×
≥ 1.75×
§5.1
✗
EBITDA Coverage
—
≥ 1.80×
§5.1
✗
Tenor / payback
0.44×
1.0–1.5×
§5.2
✓
Tenor bounds
24 mo
24–60 mo
§5.2
✓
Loan-to-CapEx
80%
≤ 90%
§5.3
✓
Min loan
₹32,19,702
≥ ₹25,00,000
§5.3
✓
Max loan (single borrower)
₹32,19,702
≤ ₹5,00,00,000
§5.3
✗
Prediction grade
C
A or B
§5.4
Predicted savings distribution
Calibrated band — μ 461,547 kWh/yr ± σ 35,276 kWh
Aggregated across 10 ECMs
Audit progress: 10 ECMsAuditor: —…Total CapEx: ₹40,20,000

Per-ECM detail

ECM 1·Fan upgrade
PINN unified
Predicted annual savings
Grade B
P5 (floor)
27,050 kWh/yr
Point
41,615 kWh/yr
P95
56,180 kWh/yr
DSCR @ P5
1.30×
Grade
B
Payback (P5)
—
Investment
₹0
ECM 2·Fan upgrade
PINN unified
Predicted annual savings
Grade B
P5 (floor)
27,598 kWh/yr
Point
42,459 kWh/yr
P95
57,320 kWh/yr
DSCR @ P5
1.30×
Grade
B
Payback (P5)
—
Investment
₹0
ECM 3·Fan upgrade
PINN unified
Predicted annual savings
Grade B
P5 (floor)
27,461 kWh/yr
Point
42,247 kWh/yr
P95
57,033 kWh/yr
DSCR @ P5
1.30×
Grade
B
Payback (P5)
—
Investment
₹0
ECM 4·Fan upgrade
PINN unified
Predicted annual savings
Grade B
P5 (floor)
35,264 kWh/yr
Point
54,252 kWh/yr
P95
73,240 kWh/yr
DSCR @ P5
1.30×
Grade
B
Payback (P5)
—
Investment
₹0
ECM 5·Fan upgrade
PINN unified
Predicted annual savings
Grade B
P5 (floor)
39,642 kWh/yr
Point
60,987 kWh/yr
P95
82,332 kWh/yr
DSCR @ P5
1.05×
Grade
B
Payback (P5)
34.4 mo
Investment
₹9,10,000
ECM 6·Motor upgrade
PINN unified
Predicted annual savings
Grade B
P5 (floor)
40,673 kWh/yr
Point
62,574 kWh/yr
P95
84,475 kWh/yr
DSCR @ P5
1.30×
Grade
B
Payback (P5)
—
Investment
₹0
ECM 7·VFDs / motor controls
PINN unified
Predicted annual savings
Grade A
P5 (floor)
19,395 kWh/yr
Point
24,866 kWh/yr
P95
30,337 kWh/yr
DSCR @ P5
9.31×
Grade
A
Payback (P5)
3.9 mo
Investment
₹50,000
ECM 8·VFDs / motor controls
PINN unified
Predicted annual savings
Grade A
P5 (floor)
36,898 kWh/yr
Point
47,305 kWh/yr
P95
57,712 kWh/yr
DSCR @ P5
5.90×
Grade
A
Payback (P5)
6.1 mo
Investment
₹1,50,000
ECM 9·Motor upgrade
PINN unified
Predicted annual savings
Grade B
P5 (floor)
3,777 kWh/yr
Point
5,811 kWh/yr
P95
7,845 kWh/yr
DSCR @ P5
9.06×
Grade
B
Payback (P5)
4.0 mo
Investment
₹10,000
ECM 10·Pump upgrade
PINN unified
Predicted annual savings
Grade C
P5 (floor)
43,687 kWh/yr
Point
79,431 kWh/yr
P95
115,175 kWh/yr
DSCR @ P5
0.36×
Grade
C
Payback (P5)
99.6 mo
Investment
₹29,00,000