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Funding Project from Banker’s Perspective : Craft Project Reports that Win Funding

by Sapna Garg

Are you an Startup or Entrepreneur or an SME looking for funding options or expanding an existing venture but don’t know how and where of preparing project reports?

Have you already had an unsuccessful attempt at procuring fund from bank or from lending instituion and don’t know where you went wrong?

In this article today we will explore all you need to know about creating a project report not only from entrepreneurs perspective but also what the banker’s and lenders looks for before walking you through the funding process.

Unlock the secrets of bankers’ minds and master the art of project reports that win funding.

When we talk about the project report from the point of view of an entrepreneur who wants to set up Industries because that is the main link between the entrepreneur and the banks or financial institutions, we have to understand what are the critical points that the lending institutions will view and what are the points they will consider before assisting the entrepreneurs through government schemes or state government schemes especially funding for the project.

Who knows the details of the Project Report?

Ideally, in small SMEs, the promoter is all in all. He is the one who conceives the project, plans it, finances it, and executes it daily.He is the one to turn to, to bounce off his business ideas. But business can only succeed if planned well in advance.

What does the Lender look for? Banker's Perspective

When entrepreneurs approach banks for funding, project reports play a crucial role in the decision-making process. Bankers view project reports as a comprehensive roadmap that outlines the viability and potential of a proposed venture. These reports provide valuable insights into the business concept, market opportunity, financial projections, and risk assessment, enabling bankers to make informed lending decisions.
The banker or the funding institution would look for the answers to all these questions.
  • The proposed business
  • The land/building required for the project
  • The machinery needed and their cost
  • The staff needed and their cost
  • The necessary raw material, its availability, and cost
  • The sales projections for the next few years
  • The estimated profitability

The information should, however, be in a detailed format for each.

For example, Machinery details should answer all probable questions.

  • Purpose of the machinery
  • What are its productions
  • How it can be technologically helpful

Hence, the three main aspects to disclose in detail formats are.

  • Machine
  • Technology
  • Sales Projection
When you are starting the industry as a beginner, you need to analyze your sales production for a minimum of four to five years because, through the sales production parallelly, you are also giving the revenue for your operations, which means the revenue will always indicate how the industry can repay the money, that’s very important, and these are the first point they will understand.
When the banker walks an entrepreneur through funding from a government of India scheme or the state government scheme, ultimately, it is the fund from the public. In turn, he will attempt to know that the entrepreneur understands the whole concept of the Enterprise or business.

So, the project reports are important tools for all stakeholders involved in the business venture, from promoters to staff, lenders, and even bankers.
Planning is crucial in business because it can only be executed for the long term if correct.

What is a project report?

A project report presents the final shape of the business to the entrepreneur who has the germ of the business idea.
The document should give complete information on the activities that will take place in the business. It should have clear objectives and goals in the businesses in transforming the business area into productive ventures.
So, the project reports are essential tools for all stakeholders involved in the business venture, from promoters to staff and lenders.

What should a project report contain?

  • Background of the promoter
  • Specifics of the project
  • List of employees required
  • The aim of the company
  • Purpose of the loan
  • Cost estimation of the project, including working capital
  • Market analysis
  • SWOT analysis

Who Should Prepare the Project Report?

Preparing the document for the presentation to the financial institutions may not be possible for the promoters, so some experts already in the field should take care of all these things. For example, CA or any other expert like ex-banker for the following reasons.
  • They are not attached personally and, therefore, not clouded as they have no stake in the business
  • They would be able to extract all necessary details from the promoter.
  • Being an expert, they can point out any error in the thought process of the promoter.
  • Their expertise enables them to prepare financial projections properly.
  • Their projections are based on complete financial analysis and financial ratios.

What goes into Documentation

financial report
A project report for an MSME business entity should be manageable, but it should capture and present all the relevant information needed to a lender.

Project Financials required for new ventures looking for funding

  1. Introduction –  brief note that captures the bare essential details of the business like Name, Address, Industry, Activity, PAN, GST, Banking, Funds needed, etc.
  2. Scope of the project – Snapshot of all the activities planned by the entrepreneur.
  3. Details of the promoters – Education Qualification, Work Experience, capability to run the current/proposed business.
  4. Products/Services – Details of the product/service, their relevance to the market, market research on the product, and competitor analysis.
  5. Locations Details – details of the setup place of the project, its relevance, the extent of land building, etc.
  6. Plant and machinery details – Details of the proposed plants and machinery, along with their costs
  7. Raw materials – Details of required raw materials, availability, cost, and other necessary details.
  8. Staff – complete details of technical and non-technical staff with their category and relevance to the project, number, and average salaries for each category.
  9. Project cost – Total cost of each item, promoter’s margin, plus bank funding.

Project Financials required for existing ventures looking for expansion

  • Balance Sheet
  • Profit and loss statement
  • Cash Flow statement
  • Ratio Anlaysis
  • Break even point evaluation

Only when an expert prepares a project report will the entrepreneur get to know about all the costs that go into a project report

What are the important Financial Ratios that Bank looks for?

  • Debt Service Coverage Ratio
  • Debt to Equity Ratio
  • Current Ratio
  • Break Even Point
Not only the bank but even the entrepreneur should be aware of these ratios and ensure that they are not adverse.

What is the relevance of project report to Entrepreneurs?

For entrepreneurs, project reports serve as a valuable tool for strategic planning, execution, and monitoring. They provide a structured framework for translating business ideas into tangible plans, enabling entrepreneurs to clearly define objectives, identify resources, and establish timelines. Project reports also play a critical role in securing funding, attracting investors, and demonstrating the feasibility of the proposed venture.
  • The project report is not for the lender alone, but equally for the entrepreneur. He might have missed many details in inital report that he might now include and thus get the best possible projection.
  • If the ratios are adverse, he can rework on the project to create a favourable project report.
  • He can relook at the entire project to reduce the cost and improve the Debt Equity Ratio.
  • He can rework on the operating costs to ensure better profitabilty and better Debt Service Coverage Ratio.

Key Takeaways

An unplanned business can never succeed. Effective planning is necessary to ensure acceptance of the funding.The project report serves as a guide to implement the project and realize the intended objectives of the project.

In short the project report should clearly

  • Describe business and its roadmap
  • Shows feasability
  • A clear understanding of all requirement
  • Present benefits for the entrepreneur
  • Lay down financials of the project
  • Defines the market and the marketing strategy
  • Assists in fixing suitable Loan Repayment Plan
    Details the expected Quarterly/ Annual Performance.
    Assesses Profitability.

Secure the financial backing your venture deserves by following these guidelines to craft a winning project report.

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Sapna Garg
With my extensive experience in website management, proficiency in WordPress handling, linguistic expertise, research skills, and ability to develop SEO-friendly content, I am well-equipped to deliver high-quality and impactful content that meets your specific requirements.

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  12. Subscription Fees and Payment. Access to and use of the Services is subject to a subscription fee (“Fee”). The Fee is payable in Indian Rupees. You will be required to provide your credit card number and other information at the time of your initial registration. Your credit card will automatically be charged at the time of your subscription or the end of your free trial, and regularly thereafter based on the terms of your subscription, and you hereby authorize HEN India to charge your credit card for the then-applicable subscription fee. The Fee is non-refundable except as provided in Section 24 below (“Term and Termination”). HEN India reserves the right to change or modify the Fee or payment schedule (including, without limitation, increasing prices and charging a fee for upgrades) at any time. HEN India will use its reasonable best efforts to provide you with reasonable notice prior to making any fee changes or modifications. If HEN India is for any reason unable to effect automatic payment via your credit card, HEN India will attempt to notify you via email and your account will be disabled until payment is received. You are responsible for notifying HEN India of any changes to your credit card information and to update your information if your credit card has expired. HEN India may suspend, terminate and/or otherwise interrupt your access to the Services if you fail to so notify HEN India .All Fees are exclusive of all taxes and duties imposed with respect to the Services by any federal, state, municipal or other governmental authority, all of which taxes you are required to pay. You are responsible for obtaining and providing to HEN India any certificate of exemption or similar document required to exempt any transaction from sales, use or similar tax liability.You agree to pay your account balance on time. You are responsible and liable for any costs and expenses, including attorney and collection fees, that HEN India may incur in its efforts to collect any remaining balances due from you. This paragraph will in no way limit any other remedies available to HEN India. You are required to notify us of any billing problems or discrepancies within sixty (60) days after they first appear on your credit card account statement by sending a written notice to [email protected]. If you do not so notify us within the time allowed, you waive any right to dispute such problems or discrepancies.12a. Content. The content available at the Websites and the Services generally consists of (a) content owned by HEN India, including but not limited to the trademarks, trade dress and “look and feel” of the Websites and content created and/or acquired and owned by HEN India(“HEN India content”), (b) content owned by third parties and licensed to HEN India for specified uses on the Websites and the Services (“Third-Party Content”), and (c) content that may be posted and/or otherwise uploaded to the Websites and/or the Services by you (“User Content”). As between you and other Registered Users, however, the content posted by other Registered Users is considered to be “Third-Party Content.” All of the foregoing are collectively referred to as “Site Content.”12b. Geographic Limitations. Due to certain licensing restrictions placed on our titles, some content may not be available in your geographic location, and therefore, cannot be viewed. If at any time you feel this inhibits your experience upon purchasing an HEN India subscription, please contact our customer service department and we will work with you in order to remedy the situation. You can reach customer service by email at [email protected].
  13. Ownership of Content. HEN India does not claim ownership rights in any User Content that you post on the Websites or otherwise make available through the Services. Subject to the non-exclusive license contained in Section 14 below (“License to Your Content”), as between HEN India and you, you will retain all intellectual property rights that you may have in any User Content that originates with you.
  14. License to Your Content. In order to be able to offer you the use of our Websites and the Services pursuant to this Agreement, you are required to grant a license to HEN India to use and distribute your User Content. This enables us to permit other Visitors and Registered Users to view and share your User Content, and to display your User Content in other places within the Websites. Accordingly, by posting, displaying, publishing, transmitting, or otherwise making available (individually and collectively, “posting”) any User Content on or through our Websites or the Services, you hereby grant to HEN India a non-exclusive (meaning you can license the User Content to other parties as well), fully-paid, royalty-free, perpetual, irrevocable, worldwide license (including the right to sublicense) to use, copy, modify, adapt, translate, create derivative works, publicly perform, publicly display, store, reproduce, transmit, distribute, and otherwise make available such User Content on and through the Websites and/or the Services, in print, or in any other format or media now known or hereafter invented, without any obligation of notification, compensation, attribution or consent. Notwithstanding the foregoing, we will not use your User Content to create commercial products such as books. For purposes of this section, “commercial products” does not include use on the Websites and the Services and/or the advertising, publicity, promotional and marketing materials for the Websites and the Services in any and all formats and media now known or hereafter invented. If you wish to remove any User Content from the Websites and/or the Services, the decision will be made by HEN India alone in its sole and absolute discretion, and our decision may depend on the type of User Content, the location and manner of posting, and other factors. You may contact us at [email protected] to request the removal of certain User Content you have posted, but HEN India (i)has no obligation to remove any such User Content, (ii)may choose whether or not to do so in its sole discretion, and (iii)makes no guarantee as to the complete deletion of any such User Content and copies thereof. In any case, a back-up or residual copy of any User Content posted by you may remain on HEN India servers after the User Content appears to have been removed from the Websites and/or the Services, and HEN India retains all rights granted in this section to all such remaining copies. You represent and warrant that: (i) you own all right, title and interest in all User Content posted by you on or through our Websites or the Services, or otherwise have the right to grant the license set forth in this section, and (ii) the posting of your User Content on or through the Websites and/or the Services does not require the knowledge or consent of any third party and does not violate the privacy rights, publicity rights, copyrights, trademarks, patents, trade secrets, contract rights, confidentiality, or any other rights of any third party.
  15. Prohibited Conduct. The Websites and the Services may include features that permit you to post User Content, which includes and applies to (but is not limited to) content of your own, comments on the User Content posted by other Registered Users, and communications with other Registered Users. Such User Content includes but is not limited to information, data, text, software, music, sound, photographs, graphics, video, messages, tags, or other materials. You acknowledge and agree that you shall not use the Websites and/or the Service to post or other transmit User Content that
    1. Is patently offensive and/or promotes racism, bigotry, hatred or physical harm of any kind against any group or individual
    2. Harasses or advocates harassment of another person
    3. Exploits people in a sexual or violent manner
    4. Contains nudity, violence, or offensive subject matter
    5. Solicits personal information from anyone under the age of eighteen (18)
    6. Provides any telephone numbers, street addresses, last names or email addresses of anyone other than your own
    7. Promotes information that you know is false or misleading or promotes illegal activities or conduct that is abusive, threatening, obscene, defamatory or libelous
    8. Violates any intellectual property or other proprietary right of any third party, including User Content that promotes an illegal or unauthorized copy of another person’s copyrighted work, such as providing pirated computer programs or links to them, providing information to circumvent manufacture-installed copy-protect devices, or providing pirated music or links to pirated music files
    9. Involves the transmission of “junk mail,” “chain letters,” or unsolicited mass mailing, instant messaging, “spimming,” or “spamming”
    10. Contains restricted or password only access pages or hidden pages or images (those not linked to or from another accessible page)
    11. Furthers or promotes any criminal activity or enterprise or provides instructional information about illegal activities including, but not limited to making or buying illegal weapons, violating someone’s privacy, or providing or creating computer viruses
    12. Solicits passwords or personal identifying information for commercial or unlawful purposes from other Members
    13. Involves commercial activities and/or sales without our prior written consent, such as contests, sweepstakes, barter, advertising, or pyramid schemes
    14. Includes a photograph of another person that you have posted without that person’s consent or, in the case of children under the age of eighteen (18), parental consent, or otherwise constitutes an invasion of an individual’s privacy or infringement of publicity rights; or
    15. Contains a virus or other harmful component.
  16. Responsibility for User Content. You, and not HEN India, are entirely responsible for all User Content that you upload, post, email, transmit or otherwise make available via the Websites and/or the Services. HEN India does not control the User Content posted via the Websites and/or the Services and, as such, we cannot and do not guarantee the accuracy, integrity or quality of such User Content. You acknowledge and agree that, by using the Websites and the Services, you may be exposed to User Content that you deem offensive, indecent or objectionable. Under no circumstances will HEN India be liable in any way for any User Content, including, but not limited to, any errors or omissions in any user Content, or any loss or damage of any kind incurred as a result of the use of any User Content posted, emailed, transmitted or otherwise made available via the Websites and/or the Services.
  17. Rejection and/or Removal of User Content. You acknowledge and agree that HEN India may or may not pre-screen User Content posted on our Websites, but that HEN India shall have the right (but not the obligation) in its sole discretion to pre-screen, edit, refuse, and/or remove any User Content or portion thereof that is available via the Websites and/or the Services, in its sole and absolute discretion, for any reason, including but not limited to its determination that any such User Content is not appropriate for the Websites and/or the Services, or for no reason. Without limiting the foregoing, and by way of example only, HEN India shall have the absolute right to remove from the Websites and/or the Services any User Content that violates this Agreement or is otherwise objectionable in the sole discretion of HEN India, or to restrict, suspend, or terminate your access to all or any part of the Websites and/or the Services at any time, for any or no reason, with or without prior notice, and without liability. If you become aware of misuse of the Websites and/or the Services by any person, please contact HEN India by email at [email protected] 
  18. Limited License. HEN India hereby grants to Registered Users a limited, personal, revocable, non-sublicensable license to display a single copy of the HEN India Content and the Third-Party Content located on or available through our Websites or Service (excluding any software code therein) solely for your single, personal, non-transferable and non-commercial use in connection with viewing our Websites and using the Services during the term of your registration. All such use is subject to the terms and conditions set forth in this Agreement and may be terminated by HEN India as set forth in this Agreement. Except for User Content posted by you, you may not copy, store, modify, translate, publish, broadcast, transmit, distribute, perform, display, make available, or sell any Site Content for any purpose whatsoever.
  19. Examples of Limitations on Use. Any non-commercial reuse of any portion of the Site Content by a Registered User that falls within what is allowed as “Fair Use” is permitted. In addition to the limitations set forth in Section 18 above (“Limited License”), and by way of example only, no commercial storage, use, reproduction or transmission of any Site Content is permitted under any circumstances. The Websites and the Services may not be used in connection for any commercial purposes except as specifically approved in writing and in advance by an authorized representative of HEN India. Unauthorized framing of or linking to any of our Websites is prohibited. Commercial advertisements and other commercial content, affiliate links, and other forms of solicitation may be removed by HEN India from the Websites and the Services without notice and may result in termination of registration and subscription and denial of access to and use of the Websites and the Services.
  20. Reservation of Rights. HEN India Content and Third-Party Content are protected by copyright, trademark, patent, trade secret and other laws. HEN India and its third-party licensors owns and retains their respective rights, title and interest in and to their respective content subject only to the limited licensed granted to Registered Users as set forth above.
  21. Other Sites. The Websites may contain third-party advertising and/or links to other sites owned by third parties (i.e. advertisers, affiliate partners, strategic partners, or others). However, the inclusion of a link in any of our Websites does not imply HEN India’s investigation, evaluation and/or endorsement of such third party website. We are not responsible for examining or evaluating, and we do not warrant the products or offerings of, any of these businesses, entities or individuals, or the accuracy of the content of their advertising or websites. HEN India does not assume any responsibility or liability for the actions, products, services, and/or content of any such websites. Before you purchase goods or services from a third party and/or use any third-party website, you should review the applicable terms of use and privacy policies for such websites. If you decide to access any such linked websites, you do so at your own risk.
  22. International Use. Due to the global nature of the Internet, you acknowledge and agree that you are obliged to comply with all applicable laws, rules and regulations regarding the access to and use of the Websites and the Services. By way of example only, you acknowledge and agree that you are obliged to comply with all applicable laws regarding the transmission of technical data exported from India or the country in which you reside, and that restrictions on access to and/or use of some Site Content may apply to users based on their place of domicile, residence and/or use.
  23. Registered User Disputes. You are solely responsible for your interactions with other Registered Users. HEN India reserves the right, but has no obligation, to monitor disputes between you and other Registered Users.
  24. Term and Termination. This Agreement, as it may be modified from time to time, shall remain in full force and effect for so long as it is posted on any of the Websites or until terminated by HEN India or by you.
    You may terminate your status as a Registered User and cancel your account at any time and for any reason, by notifying us by email at [email protected] , but any such termination and cancellation will be effective only after HEN India has processed the request. If you cancel your account prior to the expiration of your pre-paid subscription period, you will forfeit the Fees paid for any unused portion of your subscription, which are non-refundable. However, you will be able to continue viewing premium content until the expiration of your current pre-paid subscription period. You also acknowledge and agree that the cancellation of your account is your sole right and remedy with respect to any dispute with HEN India. HEN India reserves the right to suspend or terminate your status as a Registered User, cancel your account, and disable your access to the Websites and Services at any time, with or without notice to you, with or without cause, and without liability to you. HEN India shall have no liability to you or any third party because of such suspension or termination or related action for any reason except as follows: (a) If HEN India elects do so with cause, then no refund of any unused portion of a pre-paid subscription is owing, and (b) if HEN India elects to do so without cause, then HEN India will refund any unused portion of a pre-paid subscription.
    The following sections shall survive any termination of this Agreement, your account, and/or your use of the Service: Section 9 (“Preservation and Disclosure of Account Information and User Content”), Section 12 (“Content”), Section 13 (“Ownership of Content”), Section 14 (“License to Your Content”), Section 16 (“Responsibility for Your User Content”), Section 17 (“Rejection and/or Removal of User Content”), Section 20 (“Reservation of Rights”), Section 21 (“Other Sites”), Section 22 (“International Use”), Section 24 (“Registered User Disputes”), Section 24 (“Disclaimer of Warranties”), Section 26 (“Waiver of Claims”), Section 27 (“Limitation of Liability”), Section 28 (“Severability”), Section 29 (“Indemnity”), and Sections 33 through 38.
    Upon suspension or termination, HEN India shall have no obligation to save any User Content that you may have posted or otherwise provided, and we reserve the right to permanently delete and destroy any of your personal information and/or User Content.
  25. Disclaimer of Warranties. You acknowledge and agree that the Websites and the Services are offered without warranties of any kind whatsoever by HEN India and/or the providers of Site Content. The disclaimer of warranties includes, but is not limited to, the following.
    (a) Your use of the Websites and the Services is at your sole risk. The Websites and the Services are provided on an “as is” and “as available” basis. HEN India and its parent, subsidiaries, affiliates, successors and assigns, and their respective shareholders, officers, directors, employees, agents, partners, licensors, vendors and contractors (collectively, the “HEN India -Related Parties”) expressly disclaim all warranties of any kind, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement, with respect to the service, the websites, and any third party websites with which they are linked.
    (b) The HEN India -Related Parties are not responsible or liable for any loss, damage, injury or health problems that may result from your use of the Site Content and/or other aspects of the Websites and/or the Services, including but not limited to training programs, recipes, products, services, events and/or information that you may learn about on the Websites and/or the Services, and/or any action or inaction on your part as a result of information you have obtained from the Websites and/or the Services. By way of example only, if you engage in any exercise or diet program that you receive or learn about through the Websites and/or the Services, and/or if you use any product or service that you receive or learn about through the Websites and/or the Services, you agree that you do so voluntarily, after consulting an appropriate health professional of your choice, and at your own risk, and you agree to release and discharge the HEN India -Related Parties from any and all claims or causes of action, known or unknown, arising out of the foregoing.
    (c) The HEN India -Related Parties make no warranty that the Websites or the Services, the Site Content, and/or the information, products and services available through the Websites or the Service will meet your expectations or requirements, or that you will achieve any particular results from the use of any of the foregoing, or that the Websites or the Services will be uninterrupted, timely, secure, error-free, or free of any harmless components (including viruses, malware, spyware, or comparable components.
    (d) You expressly assume the risk, by way of example, of deletion, non-delivery or failure to store postings of User Content, communications, personalized settings, or data, and you acknowledge that the HEN India -Related Parties make no warranties regarding the foregoing.
    (e) Any material downloaded or otherwise obtained through the use of our Websites or the Services is accessed at your own discretion and risk, and you will be solely responsible for any loss or damage to your computer system or loss of data that results from the download of any such material.
  26. Waiver of Claims. You hereby waive, release and discharge HEN India from and against any claims that you may be entitled to make by reason of any use of your User Content authorized under this Agreement and/or by reason of your participation in any of the communications and social networking features of the Services, including but not limited to, and by way of example only, any claims based on copyright infringement, trademark infringement, rights of privacy or publicity, defamation and otherwise.
  27. Limitation of Liability. To the fullest extent permitted by applicable laws, HEN India will in no event be liable to you or any third party for any indirect, consequential, exemplary, incidental, special or punitive damages, including lost profit damages arising from or in connection with any use of the Websites and/or the Services, and/or any website with which they are linked, and/or any content, information, products or services accessible through the Websites and/or the Services, even if any of the HEN India have been advised of the possibility of such losses or damages. Notwithstanding anything to the contrary contained herein, the aggregate liability of the HEN India to you for any cause whatsoever and regardless of the form of the action, will at all times be limited to the amount paid, if any, by you to HEN India for the Services.
  28. Severability. Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, in certain jurisdictions, some of the above limitations of liability may not apply to you. In any such case, and/or if any terms or conditions of this Agreement are held to be invalid for any reason whatsoever, this Agreement shall remain in full force and effect on its remaining terms and conditions of this Agreement unless and until terminated by HEN India. Furthermore, if any term or condition of this Agreement is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the intentions of the parties as reflected in the invalidated provision
  29. Indemnity. You agree to indemnify, defend, and hold harmless HEN India from any and all third party claims, losses, liability, damages, and/or costs (including reasonable attorney fees and costs) arising from your breach of the terms of this Agreement, or your infringement, or infringement by any other user of your account, of any intellectual property or other right of any person or entity. HEN India will use its reasonable best efforts to notify you promptly of any such claim, loss, liability, or demand, and will provide you with reasonable assistance, at your expense, in defending any such claim, loss, liability, damage, or cost.
  30. Additional Terms. We may also require you to follow additional rules, guidelines or other conditions (“Additional Terms”) in order to participate in certain promotions or activities available through our Websites, to obtain certain premium Site Content through our Websites, and/or for other reasons. In addition, certain Additional Terms will govern your subscription to the Services and any purchases you make through the online store. These Additional Terms will be posted on the relevant portions of our Websites or on the portions of our Websites that describe the specific promotions, Content, or activities. These Additional Terms are incorporated by reference in this Agreement, and you agree to comply with them when you participate in those promotions, purchase items from our online stores, or otherwise engage in activities governed by such Additional Terms.
  31. Modification and Discontinuation. We reserve the right at any time to modify, edit, delete, suspend or discontinue, temporarily or permanently the Websites and/or the Services, or any portion thereof, with or without notice. You agree that we will not be liable to you or to any third party for any such modification, editing, deletion, suspension or discontinuance of the Websites and/or the Services.
  32. Entire Agreement. This Agreement, together with any other terms and conditions referenced herein (including without limitation the Privacy Policy and Additional Terms), constitutes the entire agreement between you and HEN India and governs your use of the Websites and Service, superseding any prior agreements between you and HEN India with respect to the Websites and/or the Services.
  33. Choice of Law and Forum. This Agreement and the relationship between you and HEN India shall be governed by the laws of Karnataka, India without regard to its conflict of law provisions. You and HEN India agree to submit to the personal and exclusive jurisdiction of the courts located within the country
  34. No Waiver. The failure of HEN India to exercise or enforce any right and/or remedy under this Agreement shall not constitute a waiver of such right and/or remedy.
  35. Statute of Limitations. You acknowledge and agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Websites, the Services or this Agreement must be filed within one (1) year after such claim or cause of action arose or be forever barred.
  36. Relationship of the Parties. You and HEN India acknowledge and agree that they are independently contracting parties dealing at arm’s length with each other in connection with the licensing of intellectual property rights and the provision of services. No partnership, joint venture, joint authorship, employment, fiduciary, agency or other relationship is created between them.
  37. Binding on Successors. This Agreement shall be binding on and inure to the benefit of the heirs, executors, administrators, licensees, successors and/or assigns of the parties, as applicable. For avoidance of doubt, you acknowledge and agree that HEN India is fully authorized to assign, sublicense and/or otherwise convey and transfer this Agreement and/or any of its rights under this Agreement at any time, in its sole and absolute discretion, and without compensation of any kind to you.

Notices and Questions. If you have any questions regarding this Agreement, please contact us by email at [email protected] . Except as otherwise specified elsewhere in this Agreement, notices to HEN India may be given at the foregoing email and notices to you may be given at the address provided to us at the time of registration and/or the purchase of goods and services from HEN India.

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Success Coach

Savitha Nanjappa

Savitha has not only launched and sky rocketed her own coaching platform, but has also worked with 3000+ individuals and mentored over 100+ businesses to quantum leap into the coveted 7-8 figure circle. She also holds an MBA and is armed with over 17 years of Corporate Work Experience, having worked with Brands like Airtel, Tata Docomo, Novo Nordisk, ICICI Prudential and Telenor in Marketing, Sales & Customer Service. Savitha has received prestigious awards such as the “Young Achievers Award '' and most recently the "Young leaders creating a better world for all award" at the Women Economic Forum 2020 event in Egypt. She has also hosted Corporate workshops, been featured as an expert on podcasts and is a keynote speaker.

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women business leaders

MSME Loan Expert

Ramesh Dharmaji

Mr.Ramesh served as Director on Boards of MSMEs/ infrastructure companies, Microfinance Institutions, State Financial Corporations, Venture Capital Companies, Technical Consultancy organisations Micro finance self-regulating organisations. • Superannuated from SIDBI as Chief General Manager in February 2019, but was adviser at SIDBI till May 2020. Currently, he is

  • Strategy Adviser to Tamil Nadu Industrial Investment Corporation, a state level government owned finance institution.
  • Advisor to Indian Bank for start-up financing initiatives
  • Director on Karnataka State Financial Corporation, a state level development institution,
  • Adviser to Global Alliance for Mass Entrepreneurship (GAME)
  • Independent expert at Global Innovation and Technology Alliance (GITA) and Technology Development Board GOIBesides his active engagement with the industry, he indulges in writing books with international recognitions and he loves telling business stories.

Naveen Lakkur is the Founder and Chief Innovation Coach of Institute of Inspiring Innovation.

Ramesh Dharmaji HEN India

Serial Entrepreneur turned Innovation Coach

Naveen Lakkur

Naveen loves to inspire enterprises and entrepreneurs to innovate and guide them to grow in the right direction. In his professional career spanning 25+ years in the industry worldwide, he has co-founded several innovative companies. He has also been a catalyst for 250+ ideas to have become commercial realities.

He is passionate about sharing his practical knowledge of building companies and nurturing ideas. Besides his active engagement with the industry, he indulges in writing books with international recognitions and he loves telling business stories. Naveen Lakkur is the Founder and Chief Innovation Coach of Institute of Inspiring Innovation.

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Influencer & Entrepreneur

Archana Doshi

Archana is passionate about returning back to the basics and "I strongly believe health resides on the dinner table". Her website - www.archanskitchen.com empowers people to cook easily using easy cooking techniques using local and fresh ingredients. In addition the website is enhanced with advanced features like everyday dinner recipe ideas, lunch box ideas, weekly meal plans, diabetic recipes, festival recipes, healthy snacks and much more. What started out in her kitchen over decades ago, Archana’s Kitchen today is India’s leading food and recipe website reaching over 10 million happy users imparting healthy cooking and eating habits. Archana’s Kitchen also launched a range of their own brand of food products. The cake mixes are the first line of products personally crafted by Archana from whole grains like ragi, jowar, barley & whole wheat flour that are packed with proteins, minerals and fibre and yet have all the richness and flavor of a traditional cake. You can shop them at shop.archanaskitchen.com and other online marketplaces like amazon, bigbasket and more to come.

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Archana Doshi Business Leaders & HEN Mentor

Life Coach & Entrepreneur​

Spoorthi Vishwas

Spoorthi Vishwas is an assiduous entrepreneur, social media influencer, blogger, proud mother, and acclaimed South Indian actress, the resolute and determined Spoorthi Vishwas believes. Founder Director of KWAA- Karnataka Woman Achievers Award; IWAA - Indian Women Achievers Award - her coveted brain child that set a new bench mark in women accomplishments and recognition. Spoorthi is also the Founder SHE India Community.

Funding Expert

Aditi Balbir​

Founder of V Resorts – a VC funded management company for boutique stays in India. Scaled to 150+ properties and exited to a strategic player. Top 20 influential women entrepreneurs in India & Winner BW 40 under 40, CNBC Young Women Leader, MPW Fortune Asia, DWEN, Women Economic Forum, UNWTO Community Impact. Written for Economic Times, YourStory, Times of India, World Economic Forum. Travel Blogger & Instagram influencer. MBA, ISB Hyderabad & Duke University.

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Business Leaders Aditi Balbir HEN India

Finance and Accounts Expert

Vijay Ladha

A first gen entrepreneur, chartered accountant, believer of business plan and that numbers help in taking business decisions, pro bono mentor with many entrepreneurship promotion organizations, visiting faculty with Symbiosis University, Bangalore and St. Johns, Medical College, Bangalore, promoter of entrepreneurship if planned with information.

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business leaders