Friday, December 15, 2017 New York : London: India: Tokyo:

COST SAVING STRATEGIES FOR SHORT-TERM AND LONG-TERM RUPEE LOANS

We advise the companies on the various strategies to be adopted for achieving cost reduction on short-term and long-term rupee liabilities.

There are various options available for cost reduction on short-term fund-based exposures and on long-term rupee term loans.


Based on interest rate movements and liquidity position, the following policy responses more broadly help in reducing the interest cost.

1) Switching/refinancing.

2) Altering of maturities mix and lengthening of maturities.

3) Funding approach to coincide with business and economic cycles.

4) Currency diversification and substitution of loans.

5) Rupee derivatives to benefit from yield curve.

6) Obtainment of rating and placement of NCDs.

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