{"id":5505,"date":"2026-08-27T06:02:15","date_gmt":"2026-08-27T06:02:15","guid":{"rendered":"https:\/\/rubixds.com\/blog\/?p=5505"},"modified":"2026-08-27T06:02:15","modified_gmt":"2026-08-27T06:02:15","slug":"financing-a-project-or-financing-an-assumption-know-the-difference-before-you-disburse","status":"publish","type":"post","link":"https:\/\/rubixds.com\/blog\/financing-a-project-or-financing-an-assumption-know-the-difference-before-you-disburse\/","title":{"rendered":"Financing a project or financing an assumption? Know the difference before you disburse."},"content":{"rendered":"

\"Financing<\/p>\n

Can better project evaluation reduce future NPAs?<\/p>\n

Every viable project rests on more than conviction; it rests on informed decision-making. Many projects that eventually run into delays, cost overruns, or financial stress often share a common root cause: inadequate evaluation before capital was committed.<\/p>\n

This is where Techno-Economic Viability (TEV<\/a>) studies matter. A TEV study looks independently at a project’s technical feasibility, market potential, financial sustainability, implementation plan, and the promoter’s execution capability, so that a lending decision rests on evidence rather than assumptions.<\/p>\n

The scale of what this gap can cost is visible in the data. Government-tracked infrastructure projects have absorbed close to \u20b95.4 lakh crore in cost overruns against their sanctioned values, an escalation of nearly 14.5%. In a meaningful share of these, physical progress has outpaced financial disbursements, a sign of decisions made without sufficient independent scrutiny along the way.<\/p>\n

Regulation is moving in the same direction. RBI<\/a>‘s Project Finance Directions, effective October 2025, tie disbursement more closely to verified, milestone-based progress rather than self-reported status.<\/p>\n

As India’s project finance ecosystem matures, the shift is clear: from financing projects to financing projects that are demonstrably bankable, sustainable, and commercially viable.<\/p>\n

Rubix Data Sciences<\/a>‘ TEV reports are built to support exactly this shift, applied at sanction and at every milestone that follows.<\/p>\n

Contact us \ud83d\udce7\u00a0info@rubixds.com<\/a>\u00a0| \ud83d\udcde +91-22-49744274<\/p>\n","protected":false},"excerpt":{"rendered":"

Can better project evaluation reduce future NPAs? Every viable project rests on more than conviction; it rests on informed decision-making. Many projects that eventually run into delays, cost overruns, or financial stress often share a common root cause: inadequate evaluation before capital was committed. This is where Techno-Economic Viability (TEV) studies matter. A TEV study […]<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_gspb_post_css":"","_monsterinsights_skip_tracking":false,"footnotes":""},"categories":[202],"tags":[283,289,288,95,36,284,282,287,281,286,285,56,142,130,280,131],"class_list":["post-5505","post","type-post","status-publish","format-standard","hentry","category-blog","tag-banking-and-finance","tag-banking-sector","tag-commercial-lending","tag-credit-decisioning","tag-credit-risk","tag-infrastructure-development","tag-npa","tag-npa-management","tag-project-finance","tag-project-viability","tag-rbi-guidelines","tag-risk-assessment","tag-risk-mitigation","tag-techno-economic-viability","tag-tev","tag-tev-reports"],"blocksy_meta":{"styles_descriptor":{"styles":{"desktop":"","tablet":"","mobile":""},"google_fonts":[],"version":7}},"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t