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Technical Appraisal

The technical appraisal is done by qualified & experienced personnel (internal or external) and focuses is mainly on the following aspects:

  • Product mix
  • Capacity
  • Process of manufacture
  • Engineering know-how and technical collaboration
  • Raw materials and consumables
  • Location, site and building
  • Plant and equipment
  • Manpower requirements
  • Break-even point
Normally SME projects do not involve breakthrough technology. As a result, the technology aspect is fairly simple to appraise. However, substandard equipment resulting in unsuccessful pilot runs and prolonged rectification process is often a major problem leading to a unit turning sick even prior to commercial operations. What is accorded maximum importance by the FIs is the reputation of the suppliers and the necessity of 2-3 quotes for the key equipment to judge reasonableness of quality and price. Some of the FIs maintain lists of approved suppliers from among whom such equipment will have to be sourced (if available). However such lists also tend to have problems since they are not updated on a regular basis. Consequently, some delays and minor problems are unavoidable in most cases on this count.

Market Appraisal
Financial Appraisal
Managerial Appraisal
 
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