Unsecured Loans

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Unsecured Loans

Unsecured Loans

Explanation: Unsecured loans are borrowings obtained by a company without providing any collateral or asset as security. These loans are typically based on the borrower’s creditworthiness and financial standing rather than any specific asset pledged as collateral. Unsecured loans can include various forms of debt instruments, such as debentures, bonds, or loans from financial institutions, where the lender relies solely on the borrower’s promise to repay the debt.

Example: Coal India reported unsecured loans of 159.86 crore rupees as of FY23. These loans represent borrowings obtained by the company without any collateral backing, based on its creditworthiness and financial strength. Analyzing unsecured loans helps assess the company’s financing structure, its reliance on debt financing, and the associated interest costs.

You can view the Unsecured Loans for any company on Radar under Non-Current Liabilities in the Balance Sheet section.

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