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1. Introduction to One Person Companies (OPCs).
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A. Definition and origins of the OPC structure
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B. Importance of OPCs in modern business
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C. Overview of the eBook's objectives and intended audience
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2. OPC in the Legal Framework
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A. Legal foundation of OPCs under the Companies Act, 2013
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B. Regulatory requirements specific to OPCs
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C. Comparison with other business structures (LLP, Private Limited Companies, Sole Proprietorship)
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3. Formation and Registration of OPCs
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A. Steps to incorporate an OPC
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B. Required documents and regulatory compliance (Memorandum of Association, Articles of Association)
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C. Role of the nominee and their legal significance in an OPC
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4. Compliance and Governance in OPCs
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A. Annual filing and financial disclosure requirements
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B. Responsibilities of the OPC director
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C. Reporting obligations and governance standards
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5. Financial Structure and Capital Requirements
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A. Sources of capital available to OPCs
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B. Capital structure and potential limitations in OPC funding
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C. Implications of limited liability for banking and finance professionals
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6. Promoter and Nominee Roles in OPCs
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A. Overview of the promoter’s role, powers, and limitations
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B. Nominee rights and obligations in the OPC framework
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C. Impact of promoter's financial background on OPC lending risk
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7. Understanding Financial Statements for OPCs
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A. Key financial documents: Balance sheet, income statement, cash flow
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B. Unique financial considerations for OPCs
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C. Assessing financial health and stability through OPC financials
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8. Creditworthiness and Risk Assessment for OPC Loans
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A. Evaluating OPC’s credit profile: Key metrics for bankers
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B. Analyzing promoter’s personal credit and financial history
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C. Criteria for establishing OPC’s eligibility for credit
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9. Loan Structuring and Security for OPC Financing
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A. Types of loans suited for OPCs: Term loans, working capital, overdrafts
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B. Collateral and personal guarantees for OPC loans
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C. Structuring loan terms to align with OPC’s financial profile
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10. Collateral and Security Considerations
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A. Different types of collateral accepted from OPCs
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B. Legal implications and valuation of OPC collateral
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C. Risks associated with collateral from small companies
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11. Legal Documentation and Due Diligence for OPC Loans
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A. Mandatory documents checklist for OPC loan processing
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B. Importance of due diligence on legal and financial status of OPC
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C. Evaluating contract enforceability and legal risks in OPC lending
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12. Assessing Market and Industry Risks for OPCs
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A. Industry-specific risk factors for OPCs in various sectors
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B. Assessing market trends, competition, and business viability
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C. Strategies for mitigating industry and market-related risks in loan processing
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13. Credit Policies and Risk Management for OPC Loans
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A. Setting up credit policies tailored to OPCs
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B. Risk management practices: monitoring, early warning signals, and risk adjustments
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C. Role of personal and corporate credit scores in risk profiling
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14. Loan Monitoring and Compliance Post-Approval
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A. Guidelines for monitoring OPC loan performance
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B. Conducting financial and operational reviews
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C. Compliance with regulatory requirements and impact on loan status
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15. Managing Loan Defaults and Restructuring in OPCs
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A. Recognizing early signs of financial distress in OPCs
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B. Loan restructuring options and considerations
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C. Best practices in managing defaults and loan recovery for OPCs
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16. Future of OPCs and Trends in Small Business Lending
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A. Growth trends and future potential of OPCs in various industries
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B. Emerging trends in OPC financing and risk management
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C. Conclusion: Summing up best practices and lessons for bankers
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