CSL Finance Limited Company Profile: Products,Promoters and Clients
CSL Finance Company Description
CSL Finance operates as a non-deposit taking NBFC, specializing in wholesale and SME lending. Their wholesale loans are designed to support real estate developers, while their retail loans provide collateral-based business financing to MSMEs, small traders, manufacturers, and salaried professionals.
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Q1. What are the Product and service offerings of CSL Finance Limited?
1. Wholesale Financing: CSL Finance provides tailored loan products to real estate developers.
a. Wholesale Large: Structured loans for Mid Income/ Affordable Group Housing Projects, with an average ticket size of Rs. 9 Cr.
b. Wholesale Small: Construction loans for single plotted projects, with an average ticket size of Rs. 6 Cr.
c. Wholesale Other Term Loan: Loans against SORP/SOCP properties and highly liquid securities & deposits, with an average ticket size of Rs. 5 Cr.
2. SME Financing: CSL Finance serves the underserved and unbanked SME & MSME customer segment.
a. SME Retail: Micro/Small Loans to Kirana Stores, Traders, Schools, and other merchants, backed by owned properties as collateral, with an average ticket size of Rs. 9 lakh.
b. SME Mid-Sized LAP: Loans against properties for business expansion or working capital finance, with an average ticket size of Rs. 2 Cr.
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Q2. Who are the Promoters of CSL Finance Limited?
Mr. Rohit Gupta, Managing Director, boasts over 28 years of diverse experience spanning merchant banking, corporate finance, financial restructuring, project finance, capital markets, and structured lending. He has advised numerous small and mid-size organizations on turnaround and growth strategies, facilitating equity and debt raising for their expansion.
A qualified Chartered Accountant, Gupta is instrumental in driving CSL's innovative and structured lending models and spearheading its entry into SME lending while also guiding the company's expansion into niche market segments.
Mr. Amit Ranjan, Chief Operating Officer, brings over 19 years of diverse BFSI sector experience, specializing in credit services. With a background in Lending Business, he excels in operational and credit risk management, fraud prevention, collections, and compliance controls. Amit has held key roles at HSBC Bank, ICICI Bank, Deutsche Bank, Karvy Financials, and Save Financial Services Ltd.
He has successfully raised funds from Domestic and Foreign Private Equity players, driving business strategy, digital transformation, and portfolio management. Currently leading Retail Lending at CSL Finance, he holds a Bachelor's Degree from Delhi University and an Executive Certification in Senior Management from IIM, Kolkata.
Q3. Who are the Clients of the CSL Finance?
SBI, HDF Bank, Kotak Mahindra Bank, Tata Capital,etc. are few of the major lending partners of the company. As of FY24 companies Disbursements have reached 1052.04 Cr.
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