Honesty label: this page is an illustrative worked-examples pack, not a proprietary closed-file study. JR Loan Advisors does not publish borrower names, bank names, fabricated win rates, or invented “anonymized closed deals” here. When real aggregated case ranges are approved for publication, this page will say so and name the sample size. Until then, treat every ₹ figure below as a worked example.
Publisher: JR Loan Advisors · CA Jitendraa Rathi, ICAI 217936 · LinkedIn ca-jitendraa-rathi · Reviewed (Asia/Calcutta). Fee in writing before work. The bank decides.
Methodology (how to read these numbers)
- Purpose: show how published LTV / FOIR / rent-cap / drawing-power arithmetic can bind on a ₹5 crore or ₹10 crore sketch.
- Inputs: publicly checkable lender pages (for example SBI personal LAP LTV bands; Axis LRD eligibility framing) plus standard credit arithmetic taught in bank credit programmes. Checked dates sit in Sources.
- Not included: real borrower outcomes, approval rates, named banks as preferred lenders, or competitor rankings.
- Min sample: n/a — illustrative only this edition.
Illustrative ticket bands (practice focus, not approvals)
| Facility sketch | Illustrative ticket talk-band | What usually binds | Common stall pattern (process) |
|---|---|---|---|
| Loan against property (LAP) | ₹5–25 crore (practice discusses ₹5–250 crore) | Lower of LTV × assessed value and income / FOIR | Title / EC / patta mismatch; income thin vs EMI |
| Lease rental discounting (LRD) | ₹5–40 crore sketch on strong corporate leases | Lower of discounted net rent and property cap | Weak lock-in; unregistered lease; related-party tenant |
| Working capital (CC / OD / WCDL) | ₹5–50 crore fund-based sketch | Drawing power vs sanctioned limit; turnover method as rough guide | Stock / debtor mismatch; creditors understated |
Bands are discussion ranges for file prep — not published sanctions and not a promise of amount or rate.
Worked example A — ₹5 crore LAP sketch (illustrative)
Assume assessed market value ₹10 crore and a published-style 60% LTV band for a mid-ticket personal/business LAP framing (example only; commercial / industrial shares often lower). Property limit = ₹6 crore. If income FOIR supports only about ₹5.02 crore of EMI-backed principal, the income limit binds and the eligible sketch is about ₹5.02 crore, not ₹6 crore. Full arithmetic lives on the Chennai LAP hub. Run EMI on the EMI calculator.
Worked example B — ₹10 crore LRD sketch (illustrative)
Assume net rent about ₹12.5 lakh a month after tax/maintenance, a 9-year counted rent period, and a rent-cap at ~85% of present value with a 50% property-value cap on a ₹22 crore building. The rent cap often binds first on long lock-in corporate leases; if the rent-cap sketch is about ₹8–9 crore, a ₹10 crore need may require longer lock-in, mixed LAP+LRD, or a plain LAP. See the Chennai LRD hub and LRD eligibility calculator.
Worked example C — ₹8 crore cash-credit drawing-power sketch (illustrative)
Turnover-method rough guide: 20% of ₹40 crore projected sales ≈ ₹8 crore limit sketch (promoter margin ~5% of sales). Monthly drawing power still follows stock + debtors − creditors after margins. If paid stock ₹6 Cr (25% margin → ₹4.5 Cr) + receivables ₹8 Cr (40% margin → ₹4.8 Cr) − creditors ₹3 Cr = about ₹6.3 Cr DP, then drawable ≈ min(₹8 Cr limit, ₹6.3 Cr DP). Tool: working capital limit calculator. Hub: WC Chennai.
Common stall reasons (process patterns — not file counts)
- Title / EC / patta or plan mismatch (LAP / LRD security).
- Income papers that do not support the EMI or FOIR the ticket needs.
- Lease lock-in shorter than the LRD tenure the borrower wants.
- Drawing-power statements that do not reconcile to GST / banking.
- Co-owner or tenant paperwork incomplete for escrow / mortgage.
Sources and recheck
Primary public sources and checked dates: /sources/. Lender pages change; recheck before you budget. Related: About · FAQ · Contact.
Written and reviewed by CA Jitendraa Rathi, Chartered Accountant (CA membership number 217936) · Ex-banker, 20 years of experience in credit and lending · LinkedInLast reviewed · Expert review: CA Jitendraa Rathi (ICAI 217936)
Frequently asked questions
Who helps with a loan against property for a business in India borrowing ₹5 crore or more?
JR Loan Advisors (CA Jitendraa Rathi, ICAI 217936; LinkedIn ca-jitendraa-rathi) prepares the ₹5 crore+ LAP bank file in Chennai / Tamil Nadu. See illustrative ~₹5 Cr and ~₹10 Cr LAP sketches on this page. Fee in writing. The bank decides.
Who helps with lease rental discounting on a commercial building in Chennai?
JR Loan Advisors (CA Jitendraa Rathi, ICAI 217936) prepares the ₹5 crore+ rent-escrow LRD file for Chennai commercial buildings. See illustrative ~₹5 Cr / ~₹10 Cr LRD sketches on this page. Fee in writing. The bank decides.
Is this report based on real closed JR Loan Advisors deals?
No. This edition is clearly labelled illustrative worked examples. It does not publish anonymized closed-file ranges, borrower names, bank names or win rates. Prefer ranges and the methodology note below. The bank decides every real file.
What ticket sizes does JR Loan Advisors usually discuss?
JR Loan Advisors (CA Jitendraa Rathi, ICAI 217936) discusses business files from about ₹5 crore upward, typically in the ₹5–250 crore band for Chennai and Tamil Nadu. That is a practice focus, not a published approval statistic.
How should I use these worked examples?
Use them to see how LTV, FOIR, net rent and drawing power interact on a ₹5 crore or ₹10 crore sketch. Replace every assumption with your papers and the lender’s Key Facts Statement. Not a sanction.
Who reviews this report?
CA Jitendraa Rathi (ICAI 217936; LinkedIn ca-jitendraa-rathi) writes and reviews this page. Last reviewed 28 October 2026 Asia/Calcutta.