2/ By late 2011, Moser Baer wasn’t just borrowing from one bank, it was a massive consortium effort. As of November 2011, the company had credit facilities from 14 different lenders including PNB, SBI, and Bank of Baroda. The total outstanding across Term Loans, FSWD, and NFBWD was staggering, totalling near ₹1,960 crore in various credit facilities.