Cash CreditWe provide Cash Credit facilities for your working capital needs. This is usually short term revolving financing to cover inventory & receivable holdings. This can either be part of a consortium arrangement or part of a multiple banking arrangement. These facilities are typically reviewed on an annual basis.

Term LoansThe bank provides term loans both for meeting capital expenditures or to meet contingencies, etc. The tenor & other terms are based on specific needs of the borrower and are transaction specific. In the event that the loan requirements are large, we can arrange a syndicated loan facility as well.

Trade Finance We provide all your trade finance requirements under various products as mentioned below

• Exports: Packing Credit, Export Bills Collection / Discounting / Negotiation / Purchase / Rupee Advance, Export LC advising and Advance remittance against exports.
• Imports: Import Letter of Credit, Import bill Collections / Direct Bills / Advance Remittance against Imports, Buyer's Credit / Supplier's Credit.
• Remittances - Foreign: Inward and Outward Remittances, Cheque Collection / Purchase, Demand Draft.
• Inland Products: Letter of Credit, Bank Guarantee, Bills Discounting / Purchase under LC / Non-LC, Bills for Collection.
• Others: Foreign Bank Guarantees, Forward Contracts, EEFC accounts.

USD NOSTRO ACCOUNT NAME OF THE BANK: WELLS FARGO BANK N.A., ACCOUNT NO: 2000191007114, SWIFT BIC: PNBPUS3NNYC, CURRENCY: US DOLLARS, RATNAKAR BANK'S SWIFT BIC: RATNINBB
USD NOSTRO ACCOUNT NAME OF THE BANK : STANDARD CHARTERED BANK, NEW YORK ACCOUNT NO: 3582-026450-001 SWIFT BIC: SCBLUS33 CURRENCY: USD RATNAKAR BANK'S SWIFT BIC: RATNINBB
EUR NOSTRO ACCOUNT NAME OF THE BANK: STANDARD CHARTERED BANK, FRANKFURT, ACCOUNT NO: 018301701 SWIFT BIC: SCBLDEFX CURRENCY: EURO RATNAKAR BANK'S SWIFT BIC: RATNINBB
GBP NOSTRO ACCOUNT NAME OF THE BANK: STANDARD CHARTERED BANK, LONDON,U.K. ACCOUNT NO: 01266456901 IBAN-GB59 SCBL 6091 0412 6645 69 SWIFT BIC: SCBLGB2L CURRENCY: GBP RATNAKAR BANK'S SWIFT BIC: RATNINBB

Transaction Banking & Cash ManagementWe offer cash management services to manage the payments & collection needs of business. Through our network of branches & arrangement with partner banks, we cover a wide footprint in terms of locations where we can service customers. We also offer access to the RTGS system to facilitate quick funds movement. We can also link up with systems at the client's office to enable bulk e-payments.

Corporate Salary Accounts & Employee BankingAcross our footprint of branches, we can provide for maintaining employee salary accounts (where we can also electronically receive & pay funds). Additionally, we would be happy to offer additional banking facilities to employees like cards, net banking, personal loans, housing loans, etc.

Supply Chain Financing SolutionsWe offer structured solutions to support businesses by financing the vendor chain as also the distribution / sales chains. This is set up on a case to case basis based on specific needs of businesses.

Structured FinanceThe Structured Finance team can assist with finding and executing bespoke solutions where standard banking products cannot fully service clients' requirements. These structured offerings may include mezzanine funding, financing special situations, asset backed loans, hybrid instruments or a combination of these and other products. The bank can provide financing from its own balance sheet which may be supplemented by market syndication for larger requirements.

FX & Fixed Income Products Our team of product experts can take care of business needs on foreign exchange & interest rates products both for transactions & for specific risk management & hedging needs. Our team of Relationship Managers together with functional specialists from our Financial Markets team can suggest & help with the needs for business to deploy & manage temporary & term liquidity / surpluses that arise from time to time.