1. PRODUCTS OFFERED EQUITY TERM LOAN MEDIUM TERM LOAN SHORT TERM LOAN BILL DISCOUNTING ESCORT SERVICES Andhra Pradesh Industrial Development Corporation Ltd Enriching Society through sustained industrial growth

2. NORMS FOR PROJECT FINANCE (EQUITY) For Listed and Un-listed Companies Eligibility Project Cost Rs. 500 lakhs minimum EPSRs. 3.00 DSCR1.5 : 1 IRR > 20 % Quantum * 11% or Rs. 100 lacs for Listed Company * 11% or Rs.25 lacs for Un-listed Company * (which ever is less) Book ValueRs. 15/- (Rs. 10/- face value) Proposed Dividend15 – 18% from 3 rd year onwards

3. LENDING NORMS FOR PROJECT FINANCE (LONG TERM LOANS) Existing profit track record / New Companies / 1 st Generation Entrepreneurs 1 st Generation Entrepreneurs EligibilityNot more than - 75% of tangible assets for Profit Co. 65% of tangible assets for New Co. Rate of Interest11.5% Net. DER1.5 : 1 (Maximum) Project CostRs. 100 lakhs minimum Quantum of LoanMin Rs. 20 lakhs – up to Rs. 500 lakhs Prime SecurityFixed Assets of the Company Collateral Security 25 to 50% depending upon the risk perception. Repayment Period8 years with 1 year moratorium

4. WORKING CAPITAL LOANS SHORT TERM CORPORATE LOANS MEDIUM TERM LOANS BILL DISCOUNTING

5. SHORT TERM & MEDIUM TERM LOANS ELIGIBILITY: Shall have registered office in A.P., with an existence for a minimum period of 5 years out of which profit making shall be for a minimum period of 3 years. RATE OF INTEREST: 11.50% p.a. net with quarterly rests. QUANTUM OF LOAN: Short Term Loan – Min. Rs. 20 lakhs - Max. Rs.50 lakhs Medium Term Loan Min. Rs. 50 lakhs - Max. Rs.200 lakhs. COLLATERAL SECURITY: 125% by way of urban immovable property and personal guarantee of the Promoters. REPAYMENT PERIOD: Norm Short Term Loan Medium Term Loan Repayment 18 / 12 months 36 / 24 months Moratorium 3 / 1 months 6 / 3 months Mode of Payment Post dated cheques Post dated cheques

6. BILL DISCOUNTING DescriptionRate of Interest Collatera l Security Purchase/Sale Bills Discounting11.50%125% Capital Goods Bills Discounting11.50%50% Bills Re-Discounting11.00%125% LC/Bank Guarantee Bills Discounting 10.50%NIL LOANS FOR ACQUIRING PRE-EXISTING PRODUCTIVE ASSETS / EQUIPMENT Ra te of Interest 11.50% Collateral Security 125%

7. HOW TO ACCESS SERVICES PRODUCTS OFFEREDCONTACT FOR MEDIUM, SHORT TERM LOANS & BILL DISCOUNTING Sri K. VENKATESWARA RAO Secy & AGM(Accounts) FOR PROJECT CONSULTANCY AND TERM LOANS Sri K. RAGHUNANDAN, AGM(HRD &MIS) FOR PURCHASE OF SICK UNITS AGM(AMD) FOR INDUSTRIAL DIRECTORYCOMPUTER DIVISION

8. TIME FRAME FOR DELIVERY OF SERVICES Equity & Term Loan.. 45 days Medium & Short Term Loan.. 3 0 days Bill Discounting.. 15 days In principle sanction under Single Window Scheme within 21 days from the date of receipt of application For further details contact Vice Chairman & Managing Director, A.P.Industrial Development Corpn Ltd., 1 st Floor, Parisrama Bhavanam, Hyderabad-500 004 Andhra Pradesh Phone: 23235253 – 6 Fax: 040-23235516 Email : apidc@ap.gov.in website www.apidc.org