Business Loan - Verfie Webtop No. 1 2 Product Program 3 Channel 4 Channel Name 5 Region 6 Name of City 7 Name of the Applicant 8 Name of Co-Applicant 9 Relationship with Applicant 10 Co-Applicant details to be clubbed 11 12 Age 13 Educational Background 14 Marital Status 15 Industry 16 Industry Type-Growing/Negative/Caution 17 Negative Profile 18 Caution Profile 19 Priority sector lending 20 Risk 21 Business/Firm Name 22 Nature of Business 23 Office/Resi with in Geo limit/Out of geo limit 24 Ownership of Ofiice 25 Total no.of yrs.in the Current Business 26 No.of yrs.of Business from the Current Premises 27 Total no.of yrs in Business 28 Constitution 29 If Partner - Profit sharing Ratio 30 Ownership of residence of Co-Applicant Total no of years in Current City 31 Total no of years at current Residence 32 Tele-Contact ability a) Type of connection at Residence b) Type of connection at Office c) Tele-verification -Residence d) Tele-verification -Office 33 Repayment Track Record details a) Total no of live loans b) Total no of unsecured loan taken in last 6 months Application Date (mm/dd/yyyy) DOB (mm/dd/yyyy)
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Business Loan - Verfied Income
Webtop No. 284BL0000837
1 28/10/2015
2 Product Program Verified income program
3 Channel DSA
4 Channel Name addi trademart-
5 Region West
6 Name of City INDORE
7 Name of the Applicant JAYANT ENTERPRISES
8 Name of Co-Applicant JAYANTI GARG
9 Relationship with Applicant proprietor
10 Co-Applicant details to be clubbed Yes
11 22/09/1958
12 Age 65
13 Educational Background
14 Marital Status Married
15 Industry Trading
16 Industry Type-Growing/Negative/Caution Growing
17 Negative Profile Not in Negative Profile list
18 Caution Profile Not in Caution Profile List
19 Priority sector lending Retail Traders
20 Risk Low
21 Business/Firm Name JAYANT ENTERPRISES
22 Nature of Business Trading retailer
23 Office/Resi with in Geo limit/Out of geo limit With in GEO Limit
24 Ownership of Ofiice
25 Total no.of yrs.in the Current Business
26 No.of yrs.of Business from the Current Premises
27 Total no.of yrs in Business
28 Constitution Proprietorship
29 If Partner - Profit sharing Ratio
30 Ownership of residence of Co-Applicant
Total no of years in Current City
31 Total no of years at current Residence
32 Tele-Contact ability
a) Type of connection at Residence Landline
b) Type of connection at Office Landline
c) Tele-verification -Residence
d) Tele-verification -Office
33 Repayment Track Record details
a) Total no of live loans
b) Total no of unsecured loan taken in last 6 months
Application Date (mm/dd/yyyy)
DOB (mm/dd/yyyy)
c) Total no of live Unsecured loans
x) Total no of live secured loans
d) Is RTR provided? Yes
e) Financer Name
f) Product Type
g) Is Loan Live or Closed?
h) If closed - Date of Closure (dd/mm/yyyy)
i) If Live Seasoning (in Months)
j) Loan Amt
k) No. of EMI Cheque Bounces for this loan(in Last 12 Months)
l) No. of EMI Cheque Bounces for this loan(in Last 3 Months)
34 Banking 1
a) Bank Name & A/c No. BANK OF BARODA----18590200000504
b) Account Type Current A/c
c) No of times CC/OD Over limit in last 6 months NIL
d) Utilisation of OD/CC limit 0
e) Aging of Account (in Months) 6
f) OD/CC Limit 0
g) Average Monthly Credit
Total Credits during Month - MAY 2015 682980
Total Credits during Month - JUN 2015 1635400
Total Credits during Month - JUL 2015 777600
Total Credits during Month - AUG 2015 893580
Total Credits during Month - SEP 2015 472428
Total Credits during Month - OCT 2015 214500
Total Credit of 6 months 10629269
i) Total No. of Cheque issued 126
) Total No.of inward Cheque bounces (in last 6 months) 3
Total No.of outward Cheque bounces (in last 6 months) 0
Total no of credits in last 6 months 217
35 PDC/ECS Details
B1 a) Bank Name BANK OF BARODA
b) Branch Name INDORE
c) Account Type Current A/c
d) Account No. 18590200000504,
B2 a) Bank Name ICICI BANK
b) Branch Name INDORE
c) Account Type Current A/c
d) Account No. 024105002842,
36 Loan Amount Applied for 5000000
37 Eligible Loan Amount -11623850
38 Approved Loan Amount 0
39 Purpose of Loan Working Capital
40 Requested Tenor (in Months) 36
C69
99017936: AFTER 26 OCT BANKING NOT PROVIDED
41 ROI 19.50%
42 PF 2.25%
43 IRR 19.50%
44 EMI 0
45 Verifications
i) CPV Vendor Name Katiyal & Associates
a) Residence FI
b) Office FI
c) Office PD
d) FI DEDUPE
e) Consumer CIBIL Positive
Consumer CIBIL New scorecard Positive
f) External DEDUPE
g) Internal DEDUPE Negative
ii) RCU Vendor Name A. B. Associates
h) RCU
i) Trade referance 1
j) Trade referance 2
k) Commercial CIBIL
l) KYC Compliance Positive
m) RBI Data Base - As per Cibil Site Positive
Buyer Concentration <=50%Provisional Financials Till March'2010 with CA attestation No
Colletral Secuirity if Loan Amount > 50 Lacs Not in Negative Profile list
Proof of End Use if Loan Amount is >35 Lacs Others
NA Computers Computer - EducationNA Computers Computer - Software
12.08% Computers Computers & Electronics10.08% Computers Computers & Electronics - IT- Hardware14.17% Construction Ceramic Tiles & Sanitaryware13.60% Construction Construction11.76% Construction Construction Equipment13.35% Construction Construction Materials11.80% Containers & PaPackaging
13.21% Industrial equi Transformers11.06% Industrial equi Transmission Line Towers
NA Industrial equi Turnkey Services9.70% Industrial equi Valves
14.39% Industrial equi Welding machineryNA Institutions & T Coaching Classes
6.18% Jewellery Gems & JewelleryNA Media AdvertisingNA Media BroadcastingNA Media Cable & Other pay television servicesNA Media Post Production & AnimationNA Media Publishing
NA Professional SerConsultantsNA Professional SerEducation ConsultingNA Professional SerEntertainment & media content providerNA Professional SerExecutive SearchNA Professional SerIT ConsultingNA Professional SerLegal Services (solicitor firms)NA Professional SerMotion Picture production, distribution & exhibitionNA Professional SerProfessionalsNA Professional SerPublic RelationsNA Professional SerTechnical consultancy & engineering services
18.29% Rubber Rubber & rubber productsNA Services DiversifiedNA Services - busin HR & A/MedicalNA Services - Com Internet ServicesNA Services - Com Other communication services (wireless services, Telex Services, Fax services, Pager Services, Other telephone services, other communication services)NA Services - Com Tele communication servicesNA Services - Trans Water transportNA Software ERP & Computer SoftwaresNA Software ITES/ Call CentresNA Specialty Hobby, Toy, Game, Camera & Photographic Supply Stores
9.30% Transport Land TransportationNA Transportation LClearing & Forwarding agentsNA Transportation LCourierNA Transportation LGoods Transport ServicesNA Transportation LPassenger Transport Services (Road)NA Transportation LRoad Transport
NA Transportation LStorage & WarehousingNA Transportation LWater Transport
Drugs & Pharmaceuticals, Drug Proprietary & Druggists' Sundries
Other communication services (wireless services, Telex Services, Fax services, Pager Services, Other telephone services, other communication services)
Additional Notes / Remarks / Attachable Objects
Additional Notes / Remarks / Attachable Objects
Business Loan - Credit Approval Memo
Main Applicant JAYANT ENTERPRISES
Joint Applicant JAYANTI GARG
Marital status MarriedEducation 0channel DSAProduct Program Verified income programBusiness Name JAYANT ENTERPRISES Industry 0Industry Type GrowingLoan Applied for 5000000Priority Sector Lending Retail Traders
Age of Applicant 65 Age Criteria not met
Residence / Office StabilityCriteria Actual Deviation
<> Rented 0
No
Ownership of Office <> Rented 0
Tele - Contact AbilityType of Connection
Residence Landline/WLL/Post paid Mobile Landline
Yes
Office Landline/WLL/Post paid Mobile Landline
Employment Details
>=3 Years 0 Yes
Total no.of yrs in Business >=3 Years 0 Yes
Repayment Track Record
Is RTR provided? Yes
Name of Bank 0
Type of Loan 0
Is Loan Live or Closed? 0
Ownership of Residence of Co-Applicant
No.of yrs of Business from the Current Premises
RTR Loan Amount 0
Total No. of live unsecured Loans 0 No
Criteria Actual
Period since Closure Not Applicable 0 Not Applicable
Seasoning Not Applicable 0 Not Applicable
2 0 No
0 0 No
0 0 No
Loan AmountMinimum Rs.3 Lacs
- YesMaximum -11623850Eligible Loan Amount in lacs (11,623,850.00)
Loan TenorMinimum 12 Months
36 NoMaximum 36 Months
ROI 19.50% 19.50% No
PF 2.00% 2.25% No
Banking parameters
Aging of OD/CC limit NA NA NA
Total Credit of the 6 months >=40% of the previous year Turnover 10629269 Yes
ABB Norms 1 time of proposed EMI
1% 2.38% RCM Level Deviation
3% 0.00% No
Financial DetailsTurnover >=Rs. 1 Cr 54,535,500.00 NoTrend of TurnOver Increasing Increasing No
Net Income for the Latest Yr 1,105,782.00 No
Debt Equity Ratio <=2.5 1.41 NoInterest Coverage Ratio >=2 2.57 NoCurrent Ratio Norms >=1 2.14 NoTOL/TNW Norms <=4 1.41 NoDebt Service coverage ratio >=1.25 0.20 Yes
No.of Cheque Returns (in the last 12 Months)
No.of Cheque Returns (in the last 3 Months)
No.of Cheque Returns (in the last 6 Months)
%age of Inward cheque Returns (in Last 6 Months)
%age of Outward cheque Returns (in Last 6 Months)
>=Rs.3 Lacs (For Partnership/LTD company consider Total Income)
Net Worth 5,952,837.00 No
43290.1 - No
2061862.66666667 - No
Debtors Collection Period <=120 Days 81.47 NoCreditors Payment Period <=120 Days 53.47 NoProfit for Last 2 Years Positive Negative YesNet Worth for 1st Year Positive Positive NoNet Worth for 2nd Year Positive Positive No
>=6 Months Yes
Ageing of Last ITR <=12 Months No
VerificationsCPV Vendor Name Katiyal & Associates
RCU Vendor Name A. B. Associates
Residence FI Positive 0 No
Office FI Positive 0 No
FI DEDUPE Positive 0 No
Negative Profile Others No
Caution Profile Others No
CIBIL Positive Positive No
External DEDUPE Positive 0 No
Internal DEDUPE Positive Negative YesRCU Positive 0 No
Trade Referance 1 Positive 0 No
If Loan Amt of <=7.50 Lacs, Networth should be >=Rs.25 LacsIf Loan Amt of >7.50 Lacs, Networth should be >=Rs.50 Lacs
Commitment as a % of PBDIT Not to Exceed 2%
Recent Borrowing (Not more than 1/3rd)
No. of Months between 2 consecutive ITR's
Not in Negative Profile list
Not in Caution Profile List
Trade Referance 2 Positive 0 No
RBI Data base as per cibil site Positive Positive No
Other DeviationsDescription
Deviations :-
Debt Service coverage ratio norms not met - 0.20against the norms >=1.25
Profit For Last 2 Years - Negative
Internal dedup IN NEGATIVE
Banking norms not met - 19.49against the norms 40%
Total I/w cheque is 2.38% against the norms of 1%
Details & Documents reqd : -
Trade refrences
ALL KYC REQ.
Complete loans details as per EMI sheet required
Some emi are not reflecting in banking ----complete banking reqd with existing loan emi clearance----
Business continuity proof
NOTE :-
Subject to :-
PDC Details
Bank NameBANK OF BARODA
#REF!
Branch NameINDORE
INDORE
Final Loan Amount Approved (in Rs.) 0
Final Tenor Approved (in Months) 36
ADDITIONAL NORMS FOR LOAN AMOUNT OF RS. 50 LACS
NORMS ACTUALSTurnover 35crores 54535500
Net worth 3 crores 5952837
PAT 40lacs 1105782
Business stability 7 years 0
Debtor collection days <=120days 81
Creditors Payment date: <=120 days 53
DSCR >=1.50 0
TOL/TNW <=3 1
Banking norms >=60% of previous year turnover 19
Repayment track
Recent Borrowing
0
Commitment as a %of PBDIT Not to exceed 2%. 0
NORMS FOR TURNOVER BASED PROGRAM(New)Particulars Criterion Actuals Met/Not Met
Min Loan Amount 5 lacs0 Not Met
Met / Not met
75% of eligible loan amount with 12 month seasoning
Not more than 1/3rd of unsecured Loan and LAP should have been
borrowed within last one year post the Balance Sheet Date
Max Loan Amount 20 lacs0 Not Met
Min Tenure 12 months36 Met
Max Tenure(for all applicants) 36 months
Turnover54535500 Not Met
1% Met
Banking parameters 0 Not Met
Cheque Return Criteria0 Met
0 Met
Unsecured Loans Criteria Not Met
CC / OD Limit Criteria
0 Met
Not Met
Not Met
Not Met
Net worth5952837
Met
For Loan amount upto Rs 15 Lacs :Min T/O of >= Rs 1 crore
required. For loan amount above Rs 15 lacs: Minimum T/O of >= Rs 3 crore. Any increase in turnover of > 50% as compared
to previous year should be averaged.
No Dip should be reported in current year
At least 40% of previous year’s turnover should reflect in 6
months current banking
I/w Cheque returns should not exceed 1% of total cheques
issued.
O/w cheque returns should not exceed 3% of the total cheques
Applicant should not have availed more than three unsecured loans OR more than One LAP loan OR
one LAP and >= 1 unsecured loan in last 6 months
Minimum CC / OD of Rs 25 lacs required for a loan amount above
Rs 10 lacs.
(i) CC limit should not be overdrawn for 30 days prior to
loan application
(ii) If the limit is overutilised and not regularized within three days then Letter of Adhoc limit
should be obtained and documented
There should be no I/w cheque returns during the period of
overutilization
Networth to be positive forcurrent year
Net worth3204561
Met
Cash profit 1322615 Not Met
DSCR 0.20 Met
VAT Returns - Not Met
RTR Criteria Not Met
D/E ratio D/E ratio <= 2.5 1.41 Met
Cibil Score Not Met
ITR Not Met
Networth to be positive forcurrent year
· Minimum Cash profit >=Rs 3 lacs for loan amount between Rs
5 lacs to Rs 10 lacs.
Minimum Cash Profit >= Rs 4 lacs for loan amount above Rs 10 lacs upto Rs 20 lacs (Cash profit should not decline over previous
year)
(i)DSCR not applicable for Loan upto Rs 15 Lakh
(ii) DCSR >= 0.75 For loan > Rs 15lakh
(iii)DSCR upto 0.5 can be approved at PCH level
VAT returns for the current year to be documented to verify the
turnover.
· RTR of AL, PL, BL, HL, HE & Term Loan (with monthly
repayments )of 50% of the proposed loan amount for loan
amount upto Rs 10 lacs.
RTR of AL,BL,PL,HL , HE & Term Loan (with monthly repayments)
of 75% of the proposed loan amount for loan amount above Rs
10lacs
Individual Cibil score of the Co-applicant to be generated and
should be >= 700
Minimum ITR : Rs 2.00 lacs (Minimum income from business
to be atleast Rs 2.00 lacs)
Business Loan - Credit Approval Memo Additional Notes / Remarks / Attachable ObjectsDate of Application 10/28/2015
JAYANT ENTERPRISES Webtop No. 284BL0000837
JAYANTI GARG proprietor
Married Region West0 City INDORE DSA Purpose of Loan Working CapitalVerified income program IRR 20%JAYANT ENTERPRISES EMI 00 Constitution ProprietorshipGrowing Nature of business Trading retailer5000000 Risk LowRetail Traders
Age Criteria not met
Deviation Comments
No
Yes
For Resi contactability proof :-
Yes As per application form / FI / PD Reports :-
Yes As per application form / FI / PD Reports :-
Yes
0
0
0
Relationship with Applicant
For Photo ID, DOB, Sign proof :- For Relation Proof :- For Resi address Proof :- For Office address Proof :- For Resi or office Ownership proof :- For Latest 3 years Business continuity proof :- Any other Docs :-
For office Contactability proof :-
: RTR Criteria :
Loans above 35 Lacs has to be supported with Unsecured RTR of 75% of the Eligible Loan amount with 12 month seasoning.
Loan a/c conduct:There should not have been more than one Cheques bounce in the last 12 months and never in last 3 months in relation to any of the loan accounts. The bounced Cheques should have been repaid within 30 days of the EMI due date.
0
No
Comments
Not Applicable
Not Applicable
No
No
No
Yes
No
No
No
NA
Yes 19.4905501920767
RCM Level Deviation
No
No Minimum Turnover of Rs. 1 Crore for all BL Cases.
No
No
NoNoNo
: RTR Criteria :
Loans above 35 Lacs has to be supported with Unsecured RTR of 75% of the Eligible Loan amount with 12 month seasoning.
Loan a/c conduct:There should not have been more than one Cheques bounce in the last 12 months and never in last 3 months in relation to any of the loan accounts. The bounced Cheques should have been repaid within 30 days of the EMI due date.
No more than 2 EMI Bounce in existing track per year paid within 30 days to be approved at PCH Level
Maximum loan amount Rs. 35 lacs and Minimum loan amount of Rs. 3 lacs
Bank Name & A/c No. :- OD/CC limit as per sanction letter :- OD/CC limit against what :-
AY 2015 -16 ITR Copy GTI of Rs. NOT PROVIDEDAY 2014 -15 ITR Copy GTI of Rs.11516447/-
YesNoNo
Yes
No AY 2015 - 16 :- NOT PROVIDED
Katiyal & Associates
A. B. Associates
No
No
No FI Dedup Comments with status : report awaited
No NA
No NA
No
No External dedup comments with status : report awaited
Yes Internal dedup comments with status : positive.
No RCU Comments with Status : report awaited
No
AY 2014 - 15 :- 22-11-2014
Resi FI Comments with status : report awaitedResi TVR Comments with status : report awaited
Office FI Comments with status : report awaitedOffice TVR Comments with status : report awaited
1st Co-applicant Name :- JBYANTI LAL NANDRAM GRAGCibil status : positive.Cibil Score : TUS-833No. of enquiries in last 3 months :- NA.
Trade Reference :- 01 - Company Name :- Contact no. :- Concered person name :-
No
No Comments of Cibil Site :- positive.
Description Comments
Deviations :-
Debt Service coverage ratio norms not met - 0.20against the norms >=1.25
Profit For Last 2 Years - Negative
Internal dedup IN NEGATIVE
Banking norms not met - 19.49against the norms 40%
Total I/w cheque is 2.38% against the norms of 1%
Details & Documents reqd : -
Trade refrences
ALL KYC REQ.
Complete loans details as per EMI sheet required
Some emi are not reflecting in banking ----complete banking reqd with existing loan emi clearance----
Business continuity proof
NOTE :-
Subject to :-
Trade Reference :- 02 - Company Name :- Contact no. :- Concered person name :-
BANK OF BARODAAccount type
Current A/c
#REF! Current A/c
INDORE Account No.
18590200000504,
INDORE 024105002842,
Name of the Credit Manager
Signature of the Credit Manager
Y MetAny Loan
track
Not required for loan above Rs 10 Lakh if there is a loan track (Any Loan except HL) of equivalent/more valueas the proposed loan value with no bounce reported in last 12 months.
580% Met
-100% Not Met
Change in Cash Profit
(Vat - Turnover) / Turnover
Additional Notes / Remarks / Attachable Objects
Additional Notes / Remarks / Attachable Objects
Financial Analysis Tool
Tuesday, April 18, 2023 Current Yr Previous Yr
PROFIT & LOSS ACCOUNT 31-3-15 31-3-14A Sales excluding other incomes 54535500 53984482B Cost of goods sold (COGS) 50648106 49778493
C Gross Profits (GP) 3887394 4205989
Gross Margin % 7.1% 7.8%
D Other exp. (incl.prtnr's sal& int.) 1768111 3159917
d1 Add back Partner's/Directors Salary
d2 And Partner's Interest
E Business Margins 2119283 1046072
Business Margins % 3.9% 1.9%
F Other Incomes 45222 103842
G Profit before Depreciation, Interest & Tax (PBDIT) (E+F) 2164505 1149914
H PBDIT (C14-C9-C10) 2164505 1149914
Interest to FI and Banks 841890 770640
Interest to Private Parties
I Total Interest Paid 841890 770640
Profit Before Depreciation & Tax (PBDT) 1322615 379274
J Depreciation 216833 253602
Profit before Tax (PBT) 1105782 125672K Tax paid 184661
Profit After Tax (PAT) 1105782 -58989
L Post tax Cash profits + sal. + partners int. 1322615 194613
Net Profit Ratio 2.03% 0.23%
1105782 1149915
BALANCE SHEET 31-3-15 31-3-14a Share Capital 5952837 3204561b Reserves and Surplusc Advances to group co./friendsd From Family and Friendse Misc. Exp. Not written off
Total Equity Fund 5952837 3204561
f Secured Debts 6185588 4712893g Unsecured Debt - PL 2511901
h Unsecured Debt - others 2200317
Total Outside Debts 8385905 7224794
Total Fund in the business 14338742 10429355
i Gross Fixed Assets 1580937 1834537Less : Depreciation 216833 253602
Net Fixed Assets 1364104 1580935
j Investments 4432955 3875000
Current Assets
k Stock 3182350 1895080
l Debtors 12173147 11870818- exceeding six months- less than six months later 12173147 11870818
m Loans and Advances ( other than those given to group co. / friends) 69580 1081985n Other genuine advances
o Cash and Bank 618341 149992
Total Current Assets 16043418 14997875
Current Liabilities (Excl. OD/CC) 7501735 10024455p Creditors 7419005 10005534q Other Liab.r Provisions (for exps, tax, div. etc.) 82730 18921
Residual Current Assets 8541683 4973420
s OD / CC
Net Working Capital 8541683 4973420
t Deferred Tax Assets / (Liab.)
Total Application of Funds 14338742 10429355
Total Funds for the business 14338742 10429355
Difference in B/S 0 0
Turnover Based
Description 31.3.2013 31.3.2012Turn Over 54535500 5398448215% of Gross TurnOver OR Industry Margin(Lower of Both) #N/A #N/AMargin Considered: #N/A #N/A
#N/A #N/A
#N/AOther Income / 12Net Monthly Income consider for calculation purpose #N/AFixed Obligation -TCL proposed EMI-MonthlyOther Loan EMI-MonthlyAnnual Interest paid on OD/CC (As per Banking) 0Monthly Interest paid on OD /CC 0
0
FOIR #N/A
Current Ratio >=1
Net Annual Income consider for calculation purpose(lower of 15% Gross Turn Over Margins and Industry Margins)
Annual Income (Average of 2 years if Income is >50% increased) (otherwise pls consider cell no.C7)
Total monthly Obligation including TCL EMI+other emi+int.paid on OD/CC
Max FOIR allowed if (ITR <5 lacs==70%) OR (ITR>5Lacs) 80%
Bank Name & A/c No.
Months / Interest on OD or CC Per month
Total 0 0
Average Interest on OD / CC 0 0
Annual Interest on OD / CC 0 0
Doctor Profile
Common Norms for all the Doctor program
Parameters Norms Actual
details not provided
Age
65
Current City Stability 0 Not Met
0 Not Met
Contactability
Landline at office. Landline Met
Landline/WLL/Post Paid at Residence Landline Met
Amount in Rs.
Amount in Rs.
Norms - Met/Not
Met
Education qualification
(i)Post Graduate Doctors(MD/DM/MS/MCH/MDS)
(ii) Graduate Doctors (MBBS/BDS)
Homeopathy and Ayurvedic Doctors not allowed
Degree form USSR, Russian Universities and Estern Europeon universities not allowd
Min Age : 21 years for Salaried & 25 years, for Self employedMax Age : 65 years for Self Employed and forSalaried 58 years or
retirement age whicheveris later
Residential Stability
Current Resi Stability (For self/Parental owned it stability can be
less than one year supported with ownershipproof)
ABB Norms #DIV/0! #DIV/0!
EMI Bounces
0 Met
2.38% Not Met
Should not exceed more than 3% 0.00% Met
CIBIL Scores Minimum CIBIL Score to be 700 Not Met
For Gross Receipts Program
Parameters NormsMet/Not Met
Policy
Rs 3 lakh Policy
Rs 20 lakh Policy
TenurePolicy
Policy
Policy
Last 3 months average bank balance to beequal or greater than the proposed EMI of our
loan.ABB upto 0.75 can be approved at RCM level
& ABB upto 0.5 at PCH level
No bounce reported in last 6 months forInsufficient funds
Not more than 2 EMIBounce in existing track per year paid within
30 days to be approved at PCH level
Inward Cheques Returns
Should not exceed more than 2% of thetotal cheques issued by the customer for Self
employed.
Outward Cheque Returns
Clubbing of Income
Clubbing of husband and wife’s income isallowed. ( only If both are Doctors)
Top up Norms
Tenor of Base Track<=12- should be 8 MOB
12> <=24 - should be 12 MOB>24 - should be 15 MOB
Level of Deviation
TargetCustomer
Profile Self employed practising doctors (Individual/ Proprietorship/ Partnership held within family)
EmploymentStability Operating from current premises for last one year & minimum
total work experience of 5 years post graduates & ten years for Graduate Doctors
RTR
Policy
PolicyEligibility Calculation - Gross Receipts program
Gross Receipts 54535500
Multiplier 2
Annual Obligations 7134540Eligibility 101936460
Loans above Rs 15 lakh have to be supported by a secured loan (Auto Loan / LAP/Term Loan with monthly repayment) of a similar value with 12 month seasoning. OR unsecured loan with a repayment track of 50% of the proposed loanamount with 12 months clean repayment
BankingNorms
RAAC norm-At least 4 credits and 4 debit transaction per month. i) If met in 4 months out of 6 then the same can be approved at RCM level. If met in 3 months out of 6 then the same can be approved at CH level. Else policy level
EASTWESTNORTHSOUTHDSADST
122436
MANUFACTURINGTRADINGSERVICES PROVIDERMANUF/TRADERPOSITIVENEGATIVEREFER TO CR
Operating from current premises for last one year & minimum total work experience of 5 years post graduates &ten years for Graduate Doctors
Not ApplicableEligibility Calculation - Income Based program
Cash Profit 758614
Multiplier 4
Annual Obligations 7134540Eligibility -4100084
Loans above Rs 15 lakh have to be supported by a secured loan (Auto Loan / LAP/Term Loan with monthly repayment) of a similar value with 12 month seasoning. OR unsecured loan with a repayment track of 50% of the proposed loanamount with 12 months clean repayment
Consulting doctors - With leading hospitals who are on retainer basis, consulting /salaried with anyreputed Government/Private hospital/ Self employed practising Doctor
Minimum Net Monthly Salary of Rs 50 K & Form 16+ Form 16A of Minimum Rs 7 Lakh (For Contractual Income)
(i)Should be Employed with current hospital / Operating from current premises for minimum one year & The total employment stability should be minimum 3years for Post Graduates & 5 years for Graduates
Policy
Not Applicable
Not ApplicableEligibility Calculation - Income Based program Eligibility Calculation'
758614 1. Salary Income4 Monthly Net Income
7134540 Monthly contractual income-4100084 Total Income
Applicable multiplierEligibility as per Salaried program
2. Self employed IncomeGross Receipts ProgramIncome Based cash profit programEligibility as per Self Employed programAnnual ObligationsFinal Eligibility
PROFIT & LOSS ACCOUNT 31-3-15A Sales excluding other incomes ###B Cost of goods sold (COGS) ###
C Gross Profits (GP) 0 3887394
Gross Margin % #DIV/0! 7.1%
D Other exp. (incl.prtnr's sal& int.) 1768111.00
d1 Add back Partner's/Directors Salary 0.00
d2 And Partner's Interest 0.00
E Business Margins 0 2119283
Business Margins % #DIV/0! 3.9%
F Other Incomes 45222.00
G Profit before Depreciation, Interest & Tax (PBDIT) (E+F) 0 2164505
H PBDIT (C14-C9-C10) 0 2164505
Interest to FI and Banks 841890.00
Interest to Private Parties 0.00
I Total Interest Paid 0 841890
Profit Before Depreciation & Tax (PBDT) 0 1322615
J Depreciation 216833.00
Profit before Tax (PBT) 0 1105782
K Tax paid 0.00
Profit After Tax (PAT) 0 1105782
L Post tax Cash profits + sal. + partners int. 0 1322615
Net Profit Ratio #DIV/0! 2.03%
BALANCE SHEET 30-Dec-99 31-3-15a Share Capital 5952837.00b Reserves and Surplus 0.00c Advances to group co./friends 0.00d From Family and Friends 0.00e Misc. Exp. Not written off 0.00
Total Equity Fund 0 5952837
f Secured Debts 6185588.00g Unsecured Debt - PL 0.00
h Unsecured Debt - others 2200317.00
Total Outside Debts 0 8385905
Total Fund in the business 0 14338742
i Gross Fixed Assets 1580937.00Less : Depreciation 216833.00
Net Fixed Assets 0 1364104
j Investments 4432955.00
Current Assets
k Stock 3182350.00
l Debtors 0 12173147- exceeding six months 0.00- less than six months later ###
m Loans and Advances ( other than those given to group co. / friends) 69580.00n Other genuine advances 0.00
o Cash and Bank 618341.00
Total Current Assets 0 16043418
Current Liabilities (Excl. OD/CC) 0 7501735p Creditors 7419005.00q Other Liab. 0.00r Provisions (for exps, tax, div. etc.) 82730.00
Residual Current Assets 0 8541683
s OD / CC 0.00
Net Working Capital 0 8541683
t Deferred Tax Assets / (Liab.) 0.00
Total Application of Funds 0 14338742
Total Funds for the business 0 14338742
Difference in B/S 0 0
Turnover Based
Description 31.3.2013 31.3.2012Turn Over 0.00 ###15% of Gross Turn Over #N/A #N/A
#N/A #N/A
#N/A #N/A
#N/AOther Income / 12Net Monthly Income consider for calculation purpose #N/AFixed Obligation -TCL proposed EMI-MonthlyOther Loan EMI-MonthlyAnnual Interest paid on OD/CC (As per Banking) 0Monthly Interest paid on OD /CC 0
0
FOIR #N/A
Current Ratio >=1
Nature of Business : Industry Margin as per Policy :
Net Annual Income consider for calculation purpose(lower of 15% Gross Turn Over Margins and Industry Margins)
Annual Income (Average of 2 years if Income is >50% increased) (otherwise pls consider cell no.C7)
Total monthly Obligation including TCL EMI+other emi+int.paid on OD/CC
Max FOIR allowed if (ITR <5 lacs==70%) OR (ITR>5Lacs) 80%
Bank Name & A/c No.
Months / Interest on OD or CC Per month
Total 0 0
Average Interest on OD / CC 0 0
Annual Interest on OD / CC 0 0
Amount in Rs.
Amount in Rs.
EASTWESTNORTHSOUTHDSADST
122436
MANUFACTURINGTRADINGSERVICES PROVIDERMANUF/TRADERPOSITIVENEGATIVEREFER TO CR
-100% Total annual obligations for loans not declared in balance sheet 7134540
-100% Eligible loan amount as per cash profit multliplier 0
#DIV/0!
-100% Interest Coverage Ratio #DIV/0! #DIV/0!
-100%
-100% Debt to Equity as TCL Policy #DIV/0! #DIV/0!
-100%
#DIV/0! Debt Service Coverage Ratio 0.00 DECLINE
-100%
-100% Current Ratio Norm #DIV/0! #DIV/0!
#DIV/0!
Total liability_Networth Norm #DIV/0! #DIV/0!
Net Worth Norms 0.00 DECLINE
Turn Over Norms Not Applicable Not Applicable
Profit After Tax Norms Not Applicable Not Applicable
Inc./Dec. Ratio Analysis: Profitability 30-Dec-99 31-3-15-100% Gross Margins #DIV/0! 0.07
#DIV/0! Business Margins #DIV/0! 0.04#DIV/0! Net Business Margins #DIV/0! 0.04#DIV/0! Net Operating Margins #DIV/0! 0.02#DIV/0! Net Profit Margins #DIV/0! 0.02
-100% Interest Coverage Ratio #DIV/0! 2.57
ROE (Post tax) #DIV/0! 0.22-100%
#DIV/0!
-100% Ratio Analysis: Balance Sheet 30-Dec-99 31-3-15
-100% Debt Equity without working capital #DIV/0! 1.41
#DIV/0! Ratio Analysis: Working Capital 30-Dec-99 31-3-15
% of Loans and Advances to Equity in business
-100% Debtors Collection Period #DIV/0! 81.47
-100% Creditors Payment Period #DIV/0! 53.47#DIV/0! Stock Replenishment Period #DIV/0! 22.93-100% Working Capital Gap #DIV/0! 50.94-100% Cash Credit Days #DIV/0! 0.00