CAM SHEET VERSION DATED – 27122017 Loan Account Number 0 Location Mumbai

Sourcing Details Customer Name Branch Mumbai

Loan Account Number Location Ahmedabad MEDIAN BANK BALANCE CALCULATION REPAYMENT HISTORY DETAILS
Branch Ahmedabad Sales Officer Dharmesh Dhamecha BANK NAME Loan 1 Loan 2 Loan 3 Loan 4 Loan 5 Loan 6 Loan 7 Loan 8 Loan 9 Loan 10 Loan 11 Loan 12
Sales Manager Dharmesh Dhamecha BM/BSM Direct ACCOUNT NUMBER Applicant

Credit Approver's Name BCM A/c Holder Name Bank A/c

Other Details: Account Type Product

Product LAP Approved Scheme TOTAL - FI

Median Bank Balance #VALUE! Bank Account ABB #DIV/0! Initial Loan Amt

Nature of Business Job Work Profession MEDIAN #VALUE! Current Outstanding

Industry Type Department

Repayment History Yes Purpose of Loan MEDIAN / ABB #VALUE! Start Date

Car No Owner Serial Total Limit If CC / OD a/c End Date

Car Model Year of Mfg DATES BALANCE MONTH YEAR No of Bounces

1 No of 30+

Property Address: 13 guru teg bahadur society rakhiyal opp lal mill ahmedabad 380021 8 Vintage (MOB)

JUN 2017 Tenor Verified & RECORDED

15 IN FILE
Considered in Obligation
Particulars Applicant Co-applicant 1 Co-applicant 2 Co-applicant 3 25 ( Y/N)

Name of the Applicants 1 EMI

CIBIL Score 8 Loan Status

JULY 2017
Customer Profile Positive Positive 15 Multiplier

Relationship Between Applicants Self spouse 25 New EMI

Property Owner Yes NO 1 Bal Tenor (Months)

Current Age 51 47 8 Cibil (11/0)

AUG 2017
Age at Loan Maturity 10 15 Schedule (11/0)
Customer Type SENP SENP 25 Banking (11/0)
Firm/Entity Name Ronak industries 1 Financial (11/0)
Income Considered Yes Yes 8 SAS (11/0)
SEP 2017
Average Bank Balance (Rs) 15 Tenor for DSCR 0 0 0 0 0 0 0

Income from Salary 25 NEW TOTAL EMI -

Net Monthly Salary - - - 1 EMI Per Lakh
Gross Monthly Salary - - 8 Loan ELIGIBILITY (Rs Lakhs) -
October 2017
Annual Salary - - - 15 Avg Bank Bal -
Income calculation self employed 25 Obligation for DSCR 0 0 0 0 0 0 0
Net Profit for the current year - 1 Total Annual Obligation 0
Net Profit for the previous year - 8
November 2017
Business Profit to be considered #DIV/0! #DIV/0! #DIV/0! - 15 Banking Summary: 0
Depreciation 25 Credit Transactions Debit Transactions No of Chq Returns
Min Bal.
Depreciation for the current year - 1 Month No Amount No Amount Inward Outward Charges
Depreciation for the previous year - 8 Oct'17
December 2017
Depreciation to be considered #DIV/0! #DIV/0! #DIV/0! - 15 Nov'17
Rental Income 25 Dec'17
Rental income for the current year - - - - 1 Jan'18
Rental income for the previous year - - - - 8 Feb'18
Rental income to be considered - - - - 15 Mar'18
Agriculture Income 25 JAN 2018
Agriculture Income for the current yea - - - - 1
Agriculture income for the previous ye - - - - 8
Agriculture income to be considered - - - - 15
Income From Other Sources 25 FEB 2018
IFOS for the current year 1
IFOS for the previous year 8 Total - - - - - - -
IFOS to be considered #DIV/0! - - - 15
Total Income Applicant wise #DIV/0! #DIV/0! #DIV/0! - 25 MARCH 2018 CAM Prepared By
Monthly Rent - Applicant Wise - 1 Date
Monthly Obligations - Applicant wise - - - 0 8 BCM Name
Final Net Income #DIV/0! KEY STRENGTHS: 15 BCM Sign
Proposed Loan Amount (in lakhs) 25 APRIL 2018
Rate of Interest 13.50% 1
Tenor (Years) 10 8
Monthly EMI - 15
DTI #DIV/0! 25 MAY 2018
First Valuation (Lakhs Rs)
Second Valuation (Lakhs Rs)
Avg of two valuations #DIV/0!
Least of two valuations -
Higher of two valuations -
Final Valuation #DIV/0!
LTV #DIV/0!
Combined Ratio #DIV/0!
DEVIATION WITH CODES: KEY WEAKNESSES:
Deviation Type with Description Codes

APPROVAL CONDITIONS:

Date BCM Name:

BCM Sign: _______________________________________________
 TO BE USED IN CASE OF MULTIPLE BANK ACCOUNTS

AVERAGE BANK BALANCE CALCULATION AVERAGE BANK BALANCE CALCULATION AVERAGE BANK BALANCE CALCULATION A/c Number 883700010000976
BANK NAME BANK NAME BANK NAME Credit Transactions Debit Transactions No of Chq Returns
ACCOUNT NUMBER ACCOUNT NUMBER ACCOUNT NUMBER Month No Amount No Amount Inward Outward
A/c Holder Name A/c Holder Name A/c Holder Name Oct'17 - - - - - -
Account Type Account Type Account Type Nov'17 - - - - - -
TOTAL - TOTAL - TOTAL - Dec'17 - - - - - -
ABB #DIV/0! ABB #DIV/0! ABB #DIV/0! Jan'18 - - - - - -
MEDIAN #VALUE! MEDIAN #VALUE! MEDIAN #VALUE! Feb'18 - - - - - -
MEDIAN / ABB #VALUE! MEDIAN / ABB #VALUE! MEDIAN / ABB #VALUE! Mar'18 - - - - - -
Total Limit If CC/OD a/c NA Total Limit If CC/OD a/c NA Total Limit If CC/OD a/c NA Total 0 0 0 0 0 0
DATES BALANCE MONTH YEAR DATES BALANCE MONTH YEAR DATES BALANCE MONTH YEAR
1 1 1 A/c Number
8 8 8 Credit Transactions Debit Transactions No of Chq Returns
15 October 2017 15 October 2017 15 October 2017 Month No Amount No Inward Outward
25 25 25 Oct'17
1 1 1 Nov'17
8 8 8 Dec'17
November 2017 November 2017 November 2017
15 15 15 Jan'18
25 25 25 Feb'18
1 1 1 Mar'18
8 8 8 Total 0 0 0 0 0 0
December 2017 December 2017 December 2017
15 15 15
25 25 25 A/c Number
1 1 1 Credit Transactions Debit Transactions No of Chq Returns
8 8 8 Month No Amount No Amount Inward Outward
15
January 2018 15
January 2018 15
January 2018 Oct'17
25 25 25 Nov'17
1 1 1 Dec'17
8 8 8 Jan'18
February 2018 February 2018 February 2018
15 15 15 Feb'18
25 25 25 Mar'18
1 1 1 Total 0 0 0 0 0 0
8 8 8
15
March 2018 15
March 2018 15
March 2018
25 25 25
1 1 1
8 8 8
15 15 15
25 25 25
1 1 1
8 8 8
15 15 15
25 25 25
1 1 1
8 8 8
15 15 15
25 25 25
1 1 1
8 8 8
15 15 15
25 25 25
1 1 1
8 8 8
15 15 15
25 25 25
1 1 1
8 8 8
15 15 15
25 25 25
 FINANCIAL ANALYSIS MODEL
Note: Enter data in Blue-coded cells; Yellow Highlighted cells are computer generated
ANALYST'S NAME
NAME OF COMPANY

FIRST CALENDAR YEAR OF DATA 2016

NUMBER OF YEARS OF DATA 2

Proposed Loan ( In Rs)

INCOME STATEMENT 2015 2016 % Change

Net Sales ( from core operation) (Gross Sales -
Returns) #DIV/0!
Other Income - - #DIV/0!
Less: Cost of Goods Sold #DIV/0!
Gross Profits - - #DIV/0!
Less: Operating Expenses: #DIV/0!
Selling Expense - - #DIV/0!
General / Admin. Exp. ( excl interest expense) - - #DIV/0!
Other Expense - - #DIV/0!
Depreciation Expense #DIV/0!
Total Operating Expenses - - #DIV/0!
Operating Profits - - #DIV/0!
Less: Interest Expense #DIV/0!
Interest on Term Loans - - #DIV/0!
Interest on CC / OD Limits - - #DIV/0!
Intt on Unsec loans from family & friends - - #DIV/0!
Total Interest Expense - - #DIV/0!
Net Profits Before Taxes - - #DIV/0!
Less: Taxes - - #DIV/0!
Net Profit After Taxes - - #DIV/0!
Less: Dividend - - #DIV/0!
Earnings Available - - #DIV/0!
Salary to Partners / Directors - - #DIV/0!
Interest on Capital to Partners - - #DIV/0!
PBDIT - - #DIV/0!

BALANCE SHEET
Current Assets: 2015 2016
Cash #DIV/0!
Investments (Shares,MF, Other cos etc) - - #DIV/0!
Accounts Receivable - #DIV/0!
Accounts Receivable > 6 months - - #DIV/0!
Loans and Advances - - #DIV/0!
Inventories #DIV/0!
Total Current Assets - - #DIV/0!
Gross Fixed Assets (at cost):
Land & Buildings #DIV/0!
Machinery and Equipment #DIV/0!
Furniture & Fixtures #DIV/0!
Vehicles #DIV/0!
Other (Inc. Fin. Leases) - - #DIV/0!
Total Gross Fixed Assets - - #DIV/0!
Less: Accumulated Depreciation - #DIV/0!
Net Fixed Assets - - #DIV/0!
Capital WIP - - #DIV/0!
Total Assets - - #DIV/0!

Current Liabilities: 2015 2016

Accounts Payable - - #DIV/0!
Provisions - - #DIV/0!
Accruals - - #DIV/0!
Taxes Payable - - #DIV/0!
Other Current Liabilities - - #DIV/0!
Total Current Liabilities - - #DIV/0!
L / T Debt (Secured) #DIV/0!
Machinery Loans - - #DIV/0!
Term Loans #DIV/0!
CC / Limits - - #DIV/0!
Auto Loans (Car Loans & CV Loans) - - #DIV/0!
Others Secured Loans - - #DIV/0!
Total Secured Loans - - #DIV/0!
L / T Debt (Un secured Loans) #DIV/0!
Personal Loans from Banks / FI's / NBFC - - #DIV/0!
Unsecured Loans From Family & Friends - - #DIV/0!
Total Unsecured Loans - - #DIV/0!
Total Liabilities - - #DIV/0!
Preferred Stock - - #DIV/0!
Share Capital #DIV/0!
Paid-In Capital In Excess of Par - - #DIV/0!
Reserves and Surplus ( excl Revaluation res) - - #DIV/0!
Total Stockholders' Equity - - #DIV/0!
Total Liabs. & Stockhldrs' Equity - - #DIV/0!
Reconciliation - - #DIV/0!

RATIO ANALYSIS
Current Ratio #DIV/0! #DIV/0!
Quick Ratio #DIV/0! #DIV/0!
Inventory Turnover #DIV/0! #DIV/0!
Days Receivable ( Debtors) #DIV/0! #DIV/0!
Days Payable ( Creditors) #DIV/0! #DIV/0!
Fixed Asset Turnover #DIV/0! #DIV/0!
Total Asset Turnover #DIV/0! #DIV/0!

Debt Ratio #DIV/0! #DIV/0!

Debt-to-Equity #DIV/0! #DIV/0!
Debt-to-Equity ( Incl Proposed Loan) #DIV/0! #DIV/0!
Interest Coverage Ratio #DIV/0! #DIV/0!

Gross Profit Margin #DIV/0! #DIV/0!

Operating Profit Margin #DIV/0! #DIV/0!
Net Profit Margin #DIV/0! #DIV/0!

Return on Total Assets (ROA) #DIV/0! #DIV/0!

Return on Equity (ROE) #DIV/0! #DIV/0!

STATEMENT OF CASH FLOWS

CASH FLOW FROM OPERATING ACTIVITIES 2015 2016
Net Profit After Taxes 0
Depreciation 0
Decrease/ ( Increase) in Accts. Receiv. 0
Decrease/ ( Increase) in Inventories 0
Decrease/ ( Increase) in Other Assets 0
Increase/( Decrease) in Accounts Pay. 0
Increase/ (Decrease) in Accruals 0
Increase/ ( Decrease) in Taxes Payable 0
Decrease/ ( Increase) in Loan & Advances 0
Increase/ ( Decrease) in Other Cur. Lia. 0
Cash Flow from Oper. Act. 0

CASH FLOW FROM INVESTMENT ACTIVITIES

Increase / (Decrease) in Gross Fixed Assets 0
Cash Flow from Investments 0

CASH FLOW FROM FINANCING ACTIVITIES

Increase in Provision 0
Decrease / ( Increase) in Investment 0
Increase / (Decrease) in Long-Term Debt (Secured) 0
Increase / (Decrease) in Long-Term Debt
(Unsecured) 0
Changes in Equity 0
Preferred Dividends Paid (-) 0
Common Dividends Paid (-)
Cash Flow from Financing Activities 0

Net Incr. in Cash / Mark. Securities 0

ter generated

(Debt Service Coverage

DSCR Ratio)

CASH ACCRUALS
PAT (from P&L after Tax deduction) - -
Depreciation (from P&L) - -
Interest on Partners' capital (from P&L) - -
Salaries to Partners/ Directors Remuneration(from P&L) - -
Interest paid on all loans (from P&L) - -
Total -

OBLIGATIONS
All retail obligations (Sum of EMIs) - -
Proposed HDB EMI 1,961,642,630 23,539,711,559
Outstanding of Term Loans(from B/S) - -
Outstanding of External Unsecured Loans(from B/S) - -
Interest paid on all loans (from P&L) - -
Total ###

DSCR 0.00