CAM M/s N.

R INDUSTRIES
Branch Name Name of BM Name of RE Lead ID Name of the Customer Constitution of the Customer Year of Incorporation No. of years in same line of business Industry / Sector Office with Contact details Factory with contact details Main Line of Business Name of Promoter/ Partner/ Director with educational qualification, address and contact details Bangalore Mr.Amit Kiran Dash Mr. Rajesh Not Generated M/s N.R Industries Proprietorship Unit November 2007 9 Years of experience in the same line of business Automobile Site No. 142, Byraveshwara Industrial Estate, Andhrahalli Main Road Bangalore- 560091, Karnataka Site No. 142, Byraveshwara Industrial Estate, Andhrahalli Main Road Bangalore- 560091, Karnataka Manufacture of Precision Components Borrower Name - Mr.Nagaraj V.M Designation- Proprietor Age- 32 Years Educational Qualification- Bachelor of Arts(B.A) Contact No- 9845829038 Residential Address- No.23 2nd Min Road 2nd Cross Chowdeshwari Nagar Laggere Bangalore-560058, Karnataka Female Guarantor Name- Ms. Lakshmi Madival Relation with Borrower- Spouse Age- 30Years Education Qualification- Degree Residential Address- No.23 2nd Min Road 2nd Cross Chowdeshwari Nagar Laggere Bangalore-560058, Karnataka

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Profile of Customer and USP of the business BREIF BORROWERS PROFILE: Mr. Nagaraju V.M has done Bachelor of Arts(B.A) and has over 9 years in Manufacture of Machinery Components. In the Year November 2007 he started M/S. N.R Industries which is into Manufacture and Job work of Precisions and Machinery Components UNIT PROFILE: Having gained the experience in the technical field Mr. Nagaraju V.M incorporated his own unit in the year 2007 by the name of M/S N.R Industries. The customer specializes in Manufacture and job work of Machinery Components. Major consumables used for the job work are Hydraulic, Metals and Sheets etc. The unit mainly caters to the needs of Machinery Manufacturing units. USP Of the Borrower: Service of the borrower and Quality of the product. 1) Details of Machinery S No. Name of Quantity Machinery 1 HMT 1 2 ESTEEM 1 3 4 5

Year of Purchase 2011 201 2008 2009 2011 2011

Model HMT 1.5 MILLING MF2TM-S030DS LATHE ETM-356*1000 DRILLING CLASSIC JERMEX

ESTEEM EPCO CLASSIC JERMEX

1 1 1 1

Total Investment in plant and machinery is Rs.25Lakhs (Approx.)

2) Actual Number of Employees (Workers): 5+ 4) CUSTOMERs DETAIL: S.N Customer Name & Product Sold Location 1. 2. 3.

Size of Industry Customer Automobile Automobile Automobile

Length of %age Relationship of (Years) Sales 3 2 2 40% 30% 30%

Bharat Fritz Werner(BFW) Kennametal

Sheet metal High fabricators Machinery Medium components Medium

Aeromech Technologies Cylinders pvt ltd

Credit Period (Days) 60 Days 30 Days 30 Days

As the unit is into Job Work its customer & suppliers are the same

5. REFERENCES: REFRENCE 1 Name Address Contact Details Darshan (CA) & Rajesh (RE) REFRENCE 2 Name Address Contact Details Mr.Vasudev Bhat M/s. Uma Maheshwari Iron and Steel 91-9341622167, 8147863547 Page 2 Mr.Mahendra M/s. Jai Bhavani Industries 91-9964619277

CAM M/s N.R INDUSTRIES

5) FINANCIAL ANALYSIS Performance for the P.F.Y. Turnover/Receipts (FY11-12) Profit Before Tax PROJECTED turnover in the C.F.Y. Turnover/Receipts (FY 12-13) Profit Before Tax In Books 45.50 2.50 In Books 50.00+ 0.00 Off Books 0.00 0.00 Off Books 0.00+ Total 0.00 2.50 Total 50.00+

6) REAL ESTATE OWNERSHIP Details of Assets Owned by the Promoters, Directors and group companies (only those extending Corporate Guarantee) Details of Property Owned By Nature of Size of Rate Value Details of Ownership property (in Lacs) encumbrances N.A Total
Factory as well as residential house is rented

INTEC / UNITE L Na

Account No. Na

Details of Existing Exposure with Intec Group Date of Loan Principal P/O SEC. Agreement Amount Repaid DEP Since Na Na Na Na Na

EXPOSUR E Na

Account Status Na

Details of Customer Visit Report by Relationship Manager Site No. 142, Byraveshwara Industrial Estate, Andhrahalli Main Road BangaloreDate, time and place of Visit 560091, Karnataka Byraveshwara Industrial Area Location of the place Name of the Person: Mr.Nagaraj V.M Designation: Proprietor Meeting with Locality POSITIVE 1000 Sq. Ft Size of Premises 15 Km Distance from BO Office cum Factory Premises used for Premises Location INDUSTRIAL Industrial Area Location Advantages 5 Year No. of Years Rented Ownership of Premises Power: Available State of Infrastructure Power Backup: D.G Set Water : Available Transportation : Available Building Structure : Good DETAIL CHANGES WITH The customer is looking to increase his client base & for that he requires new

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CAM M/s N.R INDUSTRIES

PURCHASE OF NEW MAC machinery that will help him to increase his production. After installing the machinery the proprietor is expecting to increase the turnover by Rs. 5-6 lac per month.

Transaction Structure Amount of Loan Tenure of Loan (24-60 Months) Upfront Cash Collateral Management Fee (2%) EMI in Advance/Arrears No. of Advance EMI IRR (24%) No of balance EMIs Personal Guarantees Asset Details -

Gross (Lakhs) 60 M 30% 2% Advance

32.00 Lacs

Net (Lakhs)

24.00 Lacs

1 25% 59 Personal Guarantee of Mr. Nagaraj.VM and his Spouse Mrs.Lakshmi Madival with SPDC of each individual Plant & Machinery Details S Machine Detail Cost (in Vendor Name Adv Paid No Lakhs) (in Lacs) AMADA HYDRAULIC 32.00 Amada India 1. PRESS BRAKE Pvt Ltd Nil MODEL-RGM2-8024AT Immediately after Approval.

Expected date of Disbursement

Recommendation by Relationship Manager STRENGTH: 1) Good work orders in hand 2) Good experience in the same line of business 3) 5+ Years Residential Stability 4) Scrap Sales 60,000 P.M 5) Owns 5 Machinery 6) Owns 1 Piaggio Ape goods vehicle worth 2.5 Lacs 7) His customers include KENNAMETAL AND BFW RISK: 1) Both side rented

Approved Vendor Approved Asset Credit History Ownership of Office /Residence / Factory

Validation Pride Machine Tools Pvt. Ltd. CNC Lathe Ultra LYNX No track record a) Factory- Rented b) Residence- Rented

Sales Yes Yes Yes Yes

Credit Ok Ok No previous loan taken a) Copy of Rent Agreement for factory received

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b) Copy of Latest utility bills with the name of proprietor for residential address received Business Vintage Residential Stability Age of Primary Promoter Female Personal Guarantee KYC of all Guarantors Net Worth of the Promoter 2011 2+ 40 Years Ms. Namratha Reddy Attached in file More than 18 Lacs Yes Yes Yes Yes Yes Yes OK Ok(Copy of Phone Bill Received) Ok Ok Ok Ok Result Positive Positive Positive Positive Positive Positive Medium

Verification Type Result Residence verification To be done by Rm Reference check Debtors Positive Reference check Creditors Positive Independent/ Market Positive reference check Assets Verification Positive Price Verification Positive RM CAM Rating (Excellent, Good, Medium, poor)

Verification Type Machine supplier check Bankers reference check Dedupe FCU check Customer Meeting Auditor Verification

Other desktop Verification Suit search on promoters & company Positive PAN Search of all promoters Positive Name of Auditor Positive Auditor verification (through ICAI site) Positive ROC search (Any special comment) Not Required Desktop Search on Promoters & Company Positive Reference Check by Credit Analyst Machinery Supplier Name of Supplier M/s. Pride Machine Tools Pvt. Ltd. Contact Person with contact details Mr.Prassanna Number of years of relationship New Nature of relationship, volume and value of As per the details received on mail Mr. Pavan has confirmed business, payment terms, general experience, that no advance has been received by the company. The outlook about the applicant machinery is new & the PI has been issued by their company.

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CAM M/s N.R INDUSTRIES

Reference Check by Credit Analyst Customer Name of Customer Contact Person with contact details Number of years of relationship Nature of relationship, volume and value of business, payment terms, general experience, outlook about the applicant Reference Check by Credit Analyst Customer Name of Customer Contact Person with contact details Number of years of relationship Nature of relationship, volume and value of business, payment terms, general experience, outlook about the applicant M/s. Sumukha Engineering Mr. Balu, 7353766378 1.6 years Mr. Balu has confirmed that they are giving job work orders to M/s Nandhika Industries. Average monthly receipts are 1.25 lacs. The quality of work has been good & they will be continuing their relationship in the future also. M/s. Bhavani Engineering Mr. Suresh, 9611117722 1.6 years As per the telephonic conversation Mr. Suresh has confirmed that the monthly receipts are approx. Rs. 60k with a credit period of 30 days. The quality of work has been good & they will be continuing their relationship in the future also.

CAT sheet (M/s Nandhika Industries)

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CAM M/s N.R INDUSTRIES

Name: M/s. Nandhika industries PRODUCT

Criteria Actual Proof

IEL+
Eligibility

MaximumLoan amount 50Lacs (Net) Eligible 13.77 PI 2Year in Business/ job in same line Eligible 2 years SSI Certificate Listed Vendor Eligible PRIDE MACHINE TOOLS PI Listed Machine Eligible CNC PI Residence Stability 2 yrs Eligible 2 Phone Bill Satisfactory repayment Track Not Eligible NO TRACK No facility Availed 1Year ITR, Balance sheet, P & L < 18month old Eligible RECEIVED ITR Documented residence or Office ownership proof Not Eligible NO Both Side Rented Property owner Guarantee In case proprety not in the name of applicant with relation proof Not Eligible NO NA Net worth other then books if consider any. Eligible 19 No Female Guarantee with relation proof. Eligible YES Pan Card OVERALLELIGIBILITY NOTELIGIBLE BASICFINANCIALDETAIL Gross Profit Margin Ratio 46.72% Total Turnover 10.99 Net Profit Margin Ratio 5.17% Imp Margin on above T/ o (p.m.) 0.18 Cash Profit Ratio 30.96% Imp Margin on Avg. Monthly Cr. 0.30 Monthly Cash Profit 0 Existing Running EMI's (p.m) 0.00 TOL / TNW ( Including ICL Loan) 0.45 0.75 Total EMI's running Including ICL (p.m) Debt Equity Ratio including ICL facility BTO 0.74 165.63% & N/ PBSL loans Inward cheque return% 13.17 0% Creditor Days Avarage Monthly Credit 246.3% 2 DIR on Imp Margin Avarage Bank balance (clubbing all account) 1.49 DIR on Banking ( Imp. Margin 148.71% % of Fund based facility Utilization (OD/ CC) #DIV/ 0! NBSL / PBSL POS 0.00

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Case Name M/s. Nandhika industries P R OF IT& L OS SAC C OUNT A dministrative Expenses + any other exps AUDITED 31-Mar-12 Selling & Distribution Expenses 11.0 Depreciation 0.0 Interest to FI/ Banks 1.9 Interest to Pvt/ Outside Parties 12.9 Non cash exps written off (Prelim Exps/ Def. Rev Exp.) 0.0 Salary to Partner/ Director 3.2 Interest Expenses paid to partners/ director 0.5 PROFIT BEFORE TAX (as per books) 1.3 PROFIT BEFORE TAX (Excl Non Business Inc) 1.8 Tax

PARTICULARS P & L As on Date.

Sales/ Receipts Other Income (part of Business Income) Other Income (Non Business income) TOTAL INCOME Opening Stock Purchases Closing Stock Manufacturing expenses Wages COST OF SALES GROSS PROFIT (as per books)

1.6 0.0 2.8 0.0 0.0 0.0 0.0 0.0 2.5 0.6 0.0 2.5 0.6 3.4 3.4 5.17% 31.38% 20% 0.0 Rs. Lacs 15.5 2.5 2.8 15.1 0.0 0.0 0.0 3.8 0.0 0.5 2.5 2.5 0.3 0.6 0.0 0.6 0.0 18.9 18.96 25.00% 1.00 13.77 60 2.00% 15.00% 45106 0

5.9 PAT 7.0 PAT (Excl. Non Business Income) A ctual Cash Profit Including Salary & Interest (Excl Non GROSS PROFIT (Excl. Non Business Income) 5.1 Business Income) PBDIT (Excl Non Biz Income, Incl. Rem./Sal to Dir/Partners) Net Profit Ratio PBDIT Ratio Margin as per PD / Credit Owned Proprety Value other then books LIABILITY Share Capital Reserves & Surplus(excluding revaluation reserve) Profit brought forward Total Net worth Revaluation Reserve Adjusted Net worth (A) Long Term Loans from Banks/ FI -A L Working Capital Limits from Banks/ FI's Unsecured loans (Bank & Financial Institutions) TOTAL Outside borrowings (B) Unsecured loans from partners/ shareholders (ICDs incl.) Current Liabilities & Provisions ( C) Deferred tax Liability Sundry Creditors Other Liabilities Total Liabilities to outsiders (A + B+ C) LIABILITY - TOTAL Gross Loan Amount (Rs.Lacs) % Margin (Cash Collateral) Advance EMI / Upfronting Net Exposure on the client Tenor (Mths) P.Fee % ROI Approximate ICL EMI burden As on date POS of existing ICL Loan if any ( Lacs) BALANCE SHEET Rs. Lacs ASSETS 18.5 Plant , machinery & Land & Building (Net) 0.0 Other Fixed A ssets 0.0 A ccumulated Depreciation 18.5 Net Fixed Assets (Gross Fixed Assets - Accum. Dep) Investments Investments (Biz Related) Investments (Not Biz Related) Current A ssets: Deferred Tax A sset Inventories Receivables / Debtors Debtors Cash and Bank Loans & A dvances Loans & A dv to directors/ partners etc (ICDs)/ Diversions Loans and A dvances given to others (Biz Related) Misc Exp. (DRE+ PreOp+ Prelim+ A cc P&L) 18.9 ASSET - TOTAL CUR R E NTP R OPOS ALD E T AIL 0.0 18.5 0.0 0.0 0.0 0.0 0.0 0.4 0.0 0.2 0.2 0.4

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Details of Customer Visit Report by Credit Analyst Date, time and place of visit Location of the place/ how to reach Meeting with Key Discussion and Observation

18/04/2013, 2 P.M Bommasandra Indl. Area, Bangalore Mr. Subba Muni Reddy Unit Setup: The unit is situated at Bommasandra Industrial Bangalore- 562 106, Karnataka. The entity is running in a rented premise in an area of 1300 sq. ft. the entire area is used for the job work purposes. Current Machinery: CNC Lathe Machine- 2 One of them is a second hand machine & the other one is new. Work Force: 4+ Stock Position: Very minimal stock is maintained by the unit as it is into job work. Margin in Business: 20% Business Activity: The unit is engaged into job work for turning components. Spare parts for automobile industry & components for aerospace industry are manufactured by the unit. Decision Maker: Mr. Subba Muni Reddy is the sole proprietor & makes all the decision related to the business Current Investment in the Unit: The proprietor has invested approx. Rs. 28 lac in the unit. End use of fund: As the unit is looking to expand its customer base & in order to cater big orders the client is looking to install new machinery which will help him to increase his turnover as well as its client base.

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Observation and Recommendation by Credit Analyst 1. Turnover: - The unit is engaged into job work for turning components. 2. Scrap Sales: - Scrap sales firm a major part of turnover. As per the discussion with client approx. 30% of his total turnover comes from scrap sales. 3. Profitability:- The unit earned a profit of Rs. 2.5 lacs in the FY12. As per the discussion with the client the profit margin is 20%. 4. Leverage:- After considering Intec loan TOL/TNW is 0.75:1times 5. Bank account conduct:- Banking behaviour of the unit is good. There were no inward or outward cheque returns in the last six months. BTO:- It is very good at 165.63%.

CAM M/s N.R INDUSTRIES

BANKING SNAPSHOT
MONTHS Jan-13 Dec-12 Nov-12 Oct-12 Sep-12 Aug-12 TOTAL Monthly Credits 4.63 1.92 0.72 1.83 9.10 Monthly Debits 0.87 1.32 1.84 0.63 0.91 1.03 6.60 No. of Debit 11 18 18 8 11 16 82 I/W Cheque Returns -

There were no credits in the month of January & October as the payment gets delayed from the customer the client faces such condition. Credit from the supplier is taken if need arises. 6. CIBIL Report: Name Mr. Subba Muni Reddy Ms. Namrata Reddy 7. Assets being Finance: a) Pride make CNC lathe ULTRA LYNX

Score -1 2

Current Outstanding As per CIBIL 0.0 0.99

Conduct Insufficient history to score GTR for the loan availed

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BRANCH CREDIT ANALYST RECOMMENDATION Recommendation Recommending the case on the basis of following points: a) Rich experience in the same line of business b) Good orders in hand c) Positive market reference d) Good investment in plant & machinery e) Average bank receipt more than our EMI Sanction Condition Payment made to Vendor only Margin Money Proof to be documented before disbursement Residence verification report to be documented by RM with snaps

Name

C. P. Darshan

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