Lender preview · unitech-plasto-components

12 ECMs · Automotive

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
1.94×
Threshold ≥ 1.75× · §5.1
EBITDA Coverage
—
Borrower financials pending
Recommended loan
₹42,07,097
24 mo @ 14% · DSCR target 1.30×
Policy compliance · UNDERWRITING_POLICY.md §5
✓
DSCR @ P5
1.30×
≥ 1.30×
§5.1
✓
DSCR @ P50
1.94×
≥ 1.75×
§5.1
✗
EBITDA Coverage
—
≥ 1.80×
§5.1
✗
Tenor / payback
0.52×
1.0–1.5×
§5.2
✓
Tenor bounds
24 mo
24–60 mo
§5.2
✗
Loan-to-CapEx
154%
≤ 90%
§5.3
✓
Min loan
₹42,07,097
≥ ₹25,00,000
§5.3
✓
Max loan (single borrower)
₹42,07,097
≤ ₹5,00,00,000
§5.3
✗
Prediction grade
C
A or B
§5.4
Predicted savings distribution
Calibrated band — μ 553,660 kWh/yr ± σ 51,176 kWh
Aggregated across 12 ECMs
Audit progress: 12 ECMsAuditor: —…Total CapEx: ₹27,24,592

Per-ECM detail

ECM 1·Compressed-air system
PINN unified
Predicted annual savings
Grade B
P5 (floor)
67,994 kWh/yr
Point
104,606 kWh/yr
P95
141,218 kWh/yr
DSCR @ P5
8.67×
Grade
B
Payback (P5)
4.2 mo
Investment
₹2,00,000
ECM 2·Compressed-air system
PINN unified
Predicted annual savings
Grade B
P5 (floor)
131,479 kWh/yr
Point
202,275 kWh/yr
P95
273,071 kWh/yr
DSCR @ P5
6.71×
Grade
B
Payback (P5)
5.4 mo
Investment
₹5,00,000
ECM 3·Compressed-air system
PINN unified
Predicted annual savings
Grade B
P5 (floor)
28,250 kWh/yr
Point
43,461 kWh/yr
P95
58,672 kWh/yr
DSCR @ P5
1.30×
Grade
B
Payback (P5)
—
Investment
₹0
ECM 4·Compressed-air system
PINN unified
Predicted annual savings
Grade B
P5 (floor)
15,146 kWh/yr
Point
23,302 kWh/yr
P95
31,458 kWh/yr
DSCR @ P5
0.97×
Grade
B
Payback (P5)
37.3 mo
Investment
₹4,00,000
ECM 5·Compressed-air system
PINN unified
Predicted annual savings
Grade C
P5 (floor)
6,752 kWh/yr
Point
12,276 kWh/yr
P95
17,800 kWh/yr
DSCR @ P5
0.43×
Grade
C
Payback (P5)
83.6 mo
Investment
₹4,00,000
ECM 6·Compressed-air system
PINN unified
Predicted annual savings
Grade C
P5 (floor)
11,048 kWh/yr
Point
20,088 kWh/yr
P95
29,128 kWh/yr
DSCR @ P5
0.70×
Grade
C
Payback (P5)
51.1 mo
Investment
₹4,00,000
ECM 7·LED retrofit
PINN unified
Predicted annual savings
Grade A
P5 (floor)
45,323 kWh/yr
Point
58,106 kWh/yr
P95
70,889 kWh/yr
DSCR @ P5
4.62×
Grade
A
Payback (P5)
7.8 mo
Investment
₹2,50,000
ECM 8·Compressed-air system
PINN unified
Predicted annual savings
Grade A
P5 (floor)
18,921 kWh/yr
Point
24,258 kWh/yr
P95
29,595 kWh/yr
DSCR @ P5
6.43×
Grade
A
Payback (P5)
5.6 mo
Investment
₹75,000
ECM 9·LED retrofit
PINN unified
Predicted annual savings
Grade A
P5 (floor)
20,223 kWh/yr
Point
25,927 kWh/yr
P95
31,631 kWh/yr
DSCR @ P5
3.44×
Grade
A
Payback (P5)
10.5 mo
Investment
₹1,50,000
ECM 10·Motor upgrade
PINN unified
Predicted annual savings
Grade B
P5 (floor)
8,627 kWh/yr
Point
13,273 kWh/yr
P95
17,919 kWh/yr
DSCR @ P5
5.56×
Grade
B
Payback (P5)
6.5 mo
Investment
₹39,592
ECM 11·Motor upgrade
PINN unified
Predicted annual savings
Grade B
P5 (floor)
515 kWh/yr
Point
792 kWh/yr
P95
1,069 kWh/yr
DSCR @ P5
1.31×
Grade
B
Payback (P5)
27.4 mo
Investment
₹10,000
ECM 12·Fan upgrade
PINN unified
Predicted annual savings
Grade B
P5 (floor)
16,442 kWh/yr
Point
25,296 kWh/yr
P95
34,150 kWh/yr
DSCR @ P5
1.40×
Grade
B
Payback (P5)
25.8 mo
Investment
₹3,00,000