Lender preview · tn-foods-coimbatore-cogen-heat-recovery

4 ECMs · Food processing

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
2.21×
Threshold ≥ 1.75× · §5.1
EBITDA Coverage
—
Borrower financials pending
Recommended loan
₹1,64,72,842
24 mo @ 14% · DSCR target 1.30×
Policy compliance · UNDERWRITING_POLICY.md §5
✓
DSCR @ P5
1.30×
≥ 1.30×
§5.1
✓
DSCR @ P50
2.21×
≥ 1.75×
§5.1
✗
EBITDA Coverage
—
≥ 1.80×
§5.1
✓
Tenor / payback
1.00×
1.0–1.5×
§5.2
✓
Tenor bounds
24 mo
24–60 mo
§5.2
✓
Loan-to-CapEx
42%
≤ 90%
§5.3
✓
Min loan
₹1,64,72,842
≥ ₹25,00,000
§5.3
✓
Max loan (single borrower)
₹1,64,72,842
≤ ₹5,00,00,000
§5.3
✗
Prediction grade
C
A or B
§5.4
Predicted savings distribution
Calibrated band — μ 2,465,000 kWh/yr ± σ 464,219 kWh
Aggregated across 4 ECMs
Audit progress: 4 ECMsAuditor: —…Total CapEx: ₹3,91,20,000

Per-ECM detail

ECM 1·Cogeneration
PINN unified
Predicted annual savings
Grade C
P5 (floor)
907,500 kWh/yr
Point
1,650,000 kWh/yr
P95
2,392,500 kWh/yr
DSCR @ P5
1.38×
Grade
C
Payback (P5)
43.6 mo
Investment
₹2,80,00,000
ECM 2·Waste-heat recovery
PINN unified
Predicted annual savings
Grade B
P5 (floor)
191,750 kWh/yr
Point
295,000 kWh/yr
P95
398,250 kWh/yr
DSCR @ P5
2.14×
Grade
B
Payback (P5)
28.0 mo
Investment
₹38,00,000
ECM 3·Boiler upgrade
PINN unified
Predicted annual savings
Grade B
P5 (floor)
266,500 kWh/yr
Point
410,000 kWh/yr
P95
553,500 kWh/yr
DSCR @ P5
1.74×
Grade
B
Payback (P5)
34.4 mo
Investment
₹65,00,000
ECM 4·VFDs / motor controls
PINN unified
Predicted annual savings
Grade A
P5 (floor)
85,800 kWh/yr
Point
110,000 kWh/yr
P95
134,200 kWh/yr
DSCR @ P5
4.45×
Grade
A
Payback (P5)
13.5 mo
Investment
₹8,20,000