3) Mr. Dinsha  is the Proprietor of "Coco Products." in the name of Mr. Diusha, has an OD limit of Rs. 10 Mn secured by a PMB of Rs.10.0 Mn and accumulated lien S/A balance (Rs.12.0 Mn). The present requests are:

1. Secure the OD limit of Mr.Johny by 100% against cash.

2. Grant a Dirbala Special Loan of Rs.5.0 Mn in the name of Coco Products (Proprietorship) to part-finance the purchase cost of a bare land which will be serviced by existing income of the Business & proposed facility will be secured by executing a Deed of Declaration over the PMB in the name of Proprietor.

3.Renewal of existing limits

The Correct Flow is,

6) Mr. Johny has an OD limit of Rs.5.0 Mn secured 100% against a Fixed Deposit, a Housing Loan facility of Rs.5.0 Mn jointly obtained with his spouse, and a Microfinance T/L facility of Rs.5.0 Mn in the name of Coco Products, which to be settled within the next 03 months. Present Requests are,

1. To renew all existing facilities

2. To replace lien S/A by a Property Mortgage

What is the flow to be used?

11) Mr. Johny has an OD limit of Rs. 60.0 Mn & T/L facility of Rs.200 Mn. The proposal is secured by Lien Savings balance of Rs.60.0 Mn, Mortgages over property 01 of Rs.200.0 Mn and additional mortgages over Property 02 of Rs.50.0 Mn. The present requests are as follows:

1) To grant a restructured T/L to absorb hardcore position of the OD limit.

2) To liquidate part of the lien S/A balance to open a fixed deposit (FD), which will be kept as security for the balance OD limit.

3) To change the interest rate of T/L

4) To release Property 02.

What is the flow to be used?