Secured, unsecured and short term, long term loans

If we see any Indians company's Annual financial report there are these two categories called Secured and Unsecured loans but some companies do not give any additional details in the scheduled notes section like whether the loans are short term or long term.

 

Some companies do give the breakup like "Working Capital Loan" (which I am assuming is short term), long term loans and a third category "Term Loans" but term loan does not mention if its short term or long term.

 

 

Is there a way we can find out if the loan is short term or long term if no additional details are provided.

Thanks.

Replies (5)

U CAN ALWAYS CHECK OUT THE LOAN AGREEMENTS,ALSO LISTED COMPANIES ARE REQUIRED TO MAINTAIN SOME REGISTERS AS PER COMPANIES ACT ..REGARDING LOANS ...ALSO U CAN ALWAYS CHECK OUT THE RESOLUTIONS FROM MINUTES BOOK ALSO....SO THERE R VARIOUS WAYS TO FIND OUT ...BT U CAN DO APPLY THIS POINT AS THEY MAY GIVE U HINT,U CAN CHECK OUT THE BANK STATEMENT ALSO

REGARDS

SRIPAL JAIN

also as per schedule six every company must give classification of their loans..whether short term ,long term secured or unsecured

Thanks Sripal.

I tried looking at every note and schedule in couple of annual reports but I could not find the breakup pf term loan anywhere.

 

Can you please take a look at Suzlon's annual report and tell me how can I figure out the breakup of term loans.

https://www.suzlon.com/images/investor_annual_result/12_13AnnualReport1011.pdf

i have done many listed companies audit like GVK and suryavanshi spinning mills where u cn find break up of loans,and ya ifu  cnt find i have given my answer in first point...just go through tht u may get an idea

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