About Pancham Marketiers
Pancham Marketiers Private Limited (PMPL), established in 1993, began its journey into the edible oil industry in 2008 with a modest Rice Bran Solvent Extraction Plant in Gazole, Malda. Over the years, the company has grown from strength to strength—scaling its processing capacity from 150 TPD to 350 TPD, and in 2017, venturing into refining with a 150 TPD modern edible oil refinery that upholds world-class quality standards.
With a robust internal quality assurance system, PMPL ensures that every drop of oil meets the highest benchmarks of purity and taste. In 2020, the company took a bold step into the retail segment, launching “Avenir’s Kook” and “Nuovo”, two fast-growing household brands known for their blend of superior quality and affordability. From ₹10 pouches to 15 kg tins, PMPL caters to every consumer’s kitchen need, offering Rice Bran, Soyabean, Kacchi Ghani Mustard, and Palm Oils—each crafted to perfection.
Challenges
Despite its operational excellence, Pancham Marketiers faced a hidden challenge in its borrowing structure. The company’s transition from MCLR-linked to Repo-linked loans had not been implemented correctly by its lending bank—leading to excess interest charges that went unnoticed for several cycles.
Compounding the issue, its Working Capital Demand Loan (WCDL) renewals were being rolled over at higher-than-necessary rates, causing silent financial leakage and impacting liquidity. In short, while the factory ran efficiently, the finances were quietly bleeding.
Our Strategic Approach
BankKeeping conducted a comprehensive audit of Pancham Marketiers’ credit facilities, meticulously analyzing sanction letters, interest computations, and benchmark transitions.
The review identified clear discrepancies in the MCLR-to-Repo transition, quantifying the financial impact with precision. Using this data-backed insight, BankKeeping prepared a detailed representation to the bank—supported by regulatory guidelines, RBI circulars, and industry benchmarks—ensuring an undeniable case for correction.
In parallel, the team renegotiated WCDL rollover rates, aligning them with the prevailing repo-linked benchmarks to ensure sustainable cost efficiency and future-proof interest management.
Results Delivered
BankKeeping’s intervention delivered tangible and lasting financial impact. Pancham Marketiers:
- Recovered ₹2.51 lakhs as a refund for excess interest,
- Secured annual savings of ₹13.75 lakhs through correct benchmark transition, and
- Achieved reduced WCDL rollover rates, boosting working capital liquidity.
This was not just a financial correction—it was a transformation of control.
“A well-audited rupee is a well-earned rupee.”
Through systematic review and proactive negotiation, BankKeeping helped Pancham Marketers turn hidden inefficiencies into measurable financial wins.
How Bankkeeping optimizes your banking cost
With reduced borrowing costs and accurate benchmark linkages, Pancham Marketiers can now reinvest its savings into capacity expansion, modern refining technology, and national retail growth—fueling its mission to bring premium-quality oils to every Indian household.
BankKeeping isn’t just a financial tracker—it’s your strategic growth partner, uncovering hidden overcharges, maximizing rate efficiency, and negotiating smarter credit terms for sustainable success.
→ Optimize your banking costs today — Talk to BankKeeping.
