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This is Ramit. and welcome to my presentation on Margin in Term Loan Part 1 in this part of the presentation we will learn some basic concepts on margin in term loan. The more advanced topics will be covered in the subsequent part of this presentation so friends what kind of loans are covered in this series of presentation we will cover the MSME loans and project finance for large corporate borrowers. Now let us see what are the things you will learn in this presentation? We will learn what is the margin, the importance of analyzing sources of fund, equity or capital versus unsecured loan, stages of assessing the margin, tools for assessing the margin and finally how to safeguard your bank's interest. All these will be covered in my series of presentations. But let us begin our discussion with what is a margin? let's start our discussion with a case study. You have financed a project of 200 lakhs where the margin is stipulated as 20%. What does it mean? it means bank loan is 160 lakhs...