NaBFID Analyst / Officer study plan

Map the NaBFID mandate, ownership, and role as a development finance institution against commercial banks and NBFCs, and list the statutory levers it holds for long-tenor infrastructure lending.

Explain the infrastructure project lifecycle from concept and concession award through COD, and identify which appraisal questions arise at each stage.

Define core project finance vocabulary (SPV, DSCR, LLCR, debt-equity ratio, moratorium, cash sweep, escrow) and write a one-line definition for each in your own words.

Compare PPP models (BOT, HAM, TOT, annuity, EPC) on risk allocation, revenue source and typical lender concerns.

Decompose a project's sources-and-uses statement and reconcile it to the drawn-down debt schedule.

Build a 15-year project cash-flow model skeleton (construction drawdown, ramp-up, steady state, tail) with DSCR and LLCR formulas wired in.

Identify the standard security package and covenant set for a limited-recourse infrastructure loan (escrow, charge on assets, DSRA, assignment of project agreements).

Explain how DFIs price and structure concessional or long-tenor debt differently from commercial lenders, including take-out financing logic.

Run ratio analysis on a borrower's financials (leverage, interest coverage, current ratio, ROCE, cash conversion) and interpret trends rather than just compute.

Prepare a credit appraisal note structure: promoter assessment, technical feasibility, market demand, financial viability, risk mitigants, recommendation.

Classify credit risks specific to infrastructure (traffic/demand, completion, counterparty, regulatory, currency, refinancing) and match each to a mitigant.

Explain the role of credit rating, TEV studies and independent engineer reports in the sanction decision.

Map the RBI regulatory perimeter relevant to a DFI: prudential norms, exposure ceilings, asset classification, income recognition and provisioning.

Distinguish NPA classification rules and the treatment of restructured or stressed infrastructure accounts.

Explain capital adequacy, leverage ratio and large-exposure frameworks and how a long-tenor lender's asset-liability profile interacts with them.

Outline the compliance function: KYC/AML, sanctions screening, related-party and conflict-of-interest controls, and reporting cadence.

Describe the risk governance chain (board risk committee, credit committee, independent risk function) and the three-lines-of-defence model.

Build a simple credit-risk scorecard or rating grid with weighted factors and calibrate cut-offs for approve, refer and decline.

Explain liquidity and interest-rate risk management for a lender funding long assets, including ALM gap analysis.

Summarize the resolution and recovery toolkit for stressed infrastructure assets and when each route is preferred.

Translate a business requirement into user stories with acceptance criteria for a loan-origination or appraisal workflow.

Draw process flows (as-is and to-be) for credit sanction and disbursement, flagging manual handoffs and control gaps.

Write SQL queries to extract portfolio cuts (sector, rating, DSCR band, overdue bucket) from a loan table and validate the output.

Explain data governance essentials: data dictionary, lineage, quality dimensions, master data and access control.

Build a portfolio dashboard specification (KPIs: sanctioned vs disbursed, sector concentration, DSCR distribution, overdue ratio) with defined formulas.

Perform sensitivity and scenario analysis on your week-2 model and interpret which variable drives viability most.

Assess technology and cyber risks in a lending institution and map them to controls and reporting.

Practise explaining a technical finding to a non-technical credit committee in plain language.

Consolidate all four domains into a single revision sheet of formulas, definitions and regulatory references.

Take two timed full-length mock tests and analyse every error by domain and root cause.

Re-drill the two weakest sub-topics until recall is fluent under time pressure.

Rehearse concise verbal answers to likely interview or case questions on appraisal, risk and data.