RCI can facilitate Loan Syndication through a network of financial lenders, thereby catering to big ticket loan requirements.

Loan syndication is a process where multiple lenders come together to provide a large loan to a single borrower. This is often used when the loan amount is too large for a single lender to handle or falls outside the risk exposure levels.

Here's a detailed overview of the loan syndication process:

1-Initiation: The borrower approaches a bank or financial institution with a loan request. If the amount is too large, the bank may decide to form a syndicate with other lenders.
Lead Bank Selection: A lead bank (also known as the syndicate agent) is chosen to organize and manage the syndication process. This bank is responsible for structuring the loan, conducting due diligence, and preparing the loan documentation.Due Diligence: The lead bank conducts a thorough assessment of the borrower's financial health, project feasibility, and risk factors. This involves analyzing financial statements, business plans, and collateral.
2-Structuring the Loan: The lead bank structures the loan terms, including interest rates, repayment schedules, covenants, and collateral requirements. These terms are then presented to potential syndicate members.
3-Syndicate Formation: The lead bank invites other banks and financial institutions to join the syndicate. Each member commits to providing a portion of the total loan amount. The lead bank coordinates the commitments and finalizes the syndicate.
4-Loan Agreement: A single loan agreement is drafted, detailing the terms and conditions agreed upon by all syndicate members. Each lender's liability is limited to their respective share of the loan.
5-Disbursement: Once the loan agreement is signed, the funds are disbursed to the borrower. The lead bank manages the distribution of funds and ensures compliance with the loan terms.
6-Monitoring and Administration: The lead bank continues to monitor the borrower's performance and compliance with the loan terms. It also handles the collection of repayments and distribution to syndicate members.

Loan syndication allows lenders to share the risk and provides borrowers with access to larger amounts of capital