Lender preview · veejay-syntex

9 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: 1.98× fails 1.0–1.5×. §5.2 ↗
DSCR @ P5
1.30×
Threshold ≥ 1.30× · §5.1
DSCR @ P50
1.93×
Threshold ≥ 1.75× · §5.1
EBITDA Coverage
—
Borrower financials pending
Recommended loan
₹1,09,09,140
30 mo @ 14% · DSCR target 1.30×
Policy compliance · UNDERWRITING_POLICY.md §5
✓
DSCR @ P5
1.30×
≥ 1.30×
§5.1
✓
DSCR @ P50
1.93×
≥ 1.75×
§5.1
✗
EBITDA Coverage
—
≥ 1.80×
§5.1
✗
Tenor / payback
1.98×
1.0–1.5×
§5.2
✓
Tenor bounds
30 mo
24–60 mo
§5.2
✗
Loan-to-CapEx
231%
≤ 90%
§5.3
✓
Min loan
₹1,09,09,140
≥ ₹25,00,000
§5.3
✓
Max loan (single borrower)
₹1,09,09,140
≤ ₹5,00,00,000
§5.3
✓
Prediction grade
B
A or B
§5.4
Predicted savings distribution
Calibrated band — μ 1,182,472 kWh/yr ± σ 131,067 kWh
Aggregated across 9 ECMs
Audit progress: 9 ECMsAuditor: —…Total CapEx: ₹47,15,000

Per-ECM detail

ECM 1·Compressed-air system
PINN unified
Predicted annual savings
Grade B
P5 (floor)
90,068 kWh/yr
Point
138,566 kWh/yr
P95
187,064 kWh/yr
DSCR @ P5
4.59×
Grade
B
Payback (P5)
7.8 mo
Investment
₹5,00,000
ECM 2·Motor upgrade
PINN unified
Predicted annual savings
Grade B
P5 (floor)
85,030 kWh/yr
Point
130,815 kWh/yr
P95
176,600 kWh/yr
DSCR @ P5
7.74×
Grade
B
Payback (P5)
4.7 mo
Investment
₹2,80,000
ECM 3·VFDs / motor controls
PINN unified
Predicted annual savings
Grade A
P5 (floor)
57,363 kWh/yr
Point
73,542 kWh/yr
P95
89,721 kWh/yr
DSCR @ P5
2.44×
Grade
A
Payback (P5)
14.8 mo
Investment
₹6,00,000
ECM 4·Fan upgrade
PINN unified
Predicted annual savings
Grade B
P5 (floor)
90,740 kWh/yr
Point
139,600 kWh/yr
P95
188,460 kWh/yr
DSCR @ P5
1.54×
Grade
B
Payback (P5)
23.3 mo
Investment
₹15,00,000
ECM 5·VFDs / motor controls
PINN unified
Predicted annual savings
Grade A
P5 (floor)
61,967 kWh/yr
Point
79,445 kWh/yr
P95
96,923 kWh/yr
DSCR @ P5
10.53×
Grade
A
Payback (P5)
3.4 mo
Investment
₹1,50,000
ECM 6·VFDs / motor controls
PINN unified
Predicted annual savings
Grade A
P5 (floor)
18,360 kWh/yr
Point
23,539 kWh/yr
P95
28,718 kWh/yr
DSCR @ P5
5.85×
Grade
A
Payback (P5)
6.2 mo
Investment
₹80,000
ECM 7·VFDs / motor controls
PINN unified
Predicted annual savings
Grade A
P5 (floor)
19,589 kWh/yr
Point
25,114 kWh/yr
P95
30,639 kWh/yr
DSCR @ P5
7.68×
Grade
A
Payback (P5)
4.7 mo
Investment
₹65,000
ECM 8·Motor upgrade
PINN unified
Predicted annual savings
Grade B
P5 (floor)
4,859 kWh/yr
Point
7,476 kWh/yr
P95
10,093 kWh/yr
DSCR @ P5
3.10×
Grade
B
Payback (P5)
11.6 mo
Investment
₹40,000
ECM 9·Motor upgrade
PINN unified
Predicted annual savings
Grade B
P5 (floor)
366,844 kWh/yr
Point
564,375 kWh/yr
P95
761,906 kWh/yr
DSCR @ P5
6.24×
Grade
B
Payback (P5)
5.8 mo
Investment
₹15,00,000