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Value Added Services

● Loan Syndication Service
The Chinatrust Commercial bank leverages its vast network of relationships to arrange syndicated credit products for its corporate clients.
With its rich experience and strong reputation, Chinatrust Commercial’s syndication desk can assemble large loan packages involving a ring of reputed financial entities, domestic and international that matches the large credit requirements of infrastructure projects and other projects. The products offered and syndicated by the desk include:

○ Project Finance & Term Loans

  1. Indian Rupee (INR) Loans
  2. Foreign Currency Loans
  3. External Commercial Borrowings (ECBs)
  4. Other tailor made products as required by customers

● CHANNEL FINANCING
Channel financing is an innovative finance mechanism by which the bank meets the various fund necessities along your supply chain at the supplier’s end itself, thus helping you sustain a seamless business flow along the arteries of the enterprise.
Channel finance ensures the immediate realization of sales proceeds for the Chinatrust Commercial client’s supplier, making it practically a cash sale. On the other hand, the corporate gets credit for a duration equaling the tenor of the loan, enabling smoother liquidity management.

● VENDOR FINANCING
Vendor financing is a product to extend working capital finance to vendors having business relationships with large corporates in India. This facility has been extended for the domestic as well as international trade.
With the growing exports off take from India, increasingly Small and Medium scale exporters in the industries of pharmaceuticals, auto ancillaries, chemicals, home furnishings, garments, leather goods, carpets, handicrafts, hand tools and small engineering goods are receiving orders and need finance to service their increased working capital needs. To support the needs of this segment we offer vendor-financing program:

  • The facility is in the nature of bank facilities and includes pre-shipment and post shipment finance.
  • Improved cash flow geared to support increased orders from specific buyers.

RTGS (REAL TIME GROSS SETTLEMENT)
RTGS system is a gross settlement system in which the processing and final settlement of funds transfer takes place in real time throughout the business cycle. Transfers are settled individually without the netting of debits against credits as happens in a traditional net settlement system. Transactions across RTGS move only where the remitting (sending) bank has liquidity.
CTCB customers can transfer funds instantly from CTCB to any individual, firm or corporate having an account with any other bank branch in the country participating in RTGS and also receive funds from any of these banks electronically.

Minimum Value of transaction : INR 200,000/-
Value added features of RTGS

  • Quicker settlement cycles
  • Intra Day Credit/Liquidity
  • Assured finality of settlement
  • Controlled flow of transactions
  • Reduced operational risk of fraud and loss of cheques
  • Secure transactions
  • Wider day time window for collections / payments
  • Cuts across inter bank and clearing house settlement issue

NEFT (NATIONAL ELECTRONIC FUNDS TRANSFER)
National Electronic Funds Transfer (NEFT) is a nation-wide payment system facilitating one-to-one funds transfer. Under this Scheme, individuals, firms and corporate accountholders can electronically transfer funds from CTCB to any individual, firm or corporate having an account with any other bank branch in the country participating in the Scheme and also receive funds from any of these banks electronically. Unlike RTGS where payments are settled realtime, NEFT payments are settled in batches every hour within the given timeframes.

Minimum Value of transaction : any amount

● CORPORATE SALARY ACCOUNTS
Chinatrust Commercial Bank Corporate Salary Account gives your employees more than just an account. They get a host of banking facilities

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