Sanjaykuamr - CIS+Cash-Flow+Banking - EEL (Version-1.6)

Branch
Name of Borrower
NET Proposed Exposure (in lacs)
1 Distance of Property From Branch Location
2 Age of Key Promoter
Is Business Activity in Acceptable List
3 Is there a Lady Guarantee with 1 spdc / Lady is Co-Borrower
4 Existing Loan Repayments
5 Type of Loan
6 Population of Village/Town/City
7 Property Type (Coming as Collateral)
8 Property Value as Confirmed (Total Value) - in lacs
9 Property Value as Confirmed (Only Land Value) - in lacs
10 Tenure (in Months)
11 Age of Property Owner
12 Construction Quality (Rating on 1-Lowest to 10-Highest)
13 Overall Living Standard (Rating on 1-Lowest to 10-Highest)
14 Floor Tiles (Rating on 1-Lowest to 10-Highest)
15 Sofa (Rating on 1-Lowest to 10-Highest)
16 Wall Paint (Rating on 1-Lowest to 10-Highest)
17 Quality of Television
18 Quality of Refrigerator
19 Clothing of Family Members (Rating on 1-Lowest to 10-Highest)
20 Have Servant/s been Appointed at Residence
21 Is Air-Conditioner Fitted in Any Room of Residence
PALANPUR
Property Score
SANJAYKUMAR LALJIBHAI BHAGAT
2.00 2.0
Living Standard
15
Less Than 40 Years
Overall Score
Yes
Yes
Loan Live Now (Regular Track)
Informal (> 5 Lacs)
1500
Residential (Self Occupied)
7.00
5.00
60
42 Nature
1 Only Land
5 Total Property
5
1
1
3
6
5
No
No
Version-1.5
1.00
3.38
0.00
LTV %
40%
29%
Basic Overview Of Case
Name of SRM BIPIN PARMA
Branch PALANPAUR
Potential ID 130673
Sourced from Existing Customer (Own Requirem
Name of Primary Borrower SANJAYKUMAR LALJIBH
Existing / New Customer New
MSBL
Loan Type
Refinance against Prop
Applicant has required up to 2 L fund fo

End Use of Loan
HOME AT 2nd FL
Net Exposure (lacs) 2.00
LTV (with Construction) 8%
Income Source/s - of Entire Fa

Income Income
Details Source-1 Source-2
Nature Trading (Retail)
Products (Manufactured/Traded) / Which Service FAST FOOD SHOP

Business Vintage / Tenure in Present Company 3yR
City/Town/Village of Operation PALANPAUR
If Business - Managed by (Name) SELF
If Business - Started by Self/Father/Grandfather Self
If Business - No. of Employees 1
If Business - Is This Seasonal NO
If Business - Machine Installed (if any) YES
Assets Created After Starting Business HAVING INVESTED 2L IN HIS CATTLE BUSINE
Details of Individuals
Name Age Cell No.
SANJAYKUMAR LALJIBHAI BHAGAT 21 7990107781
JYOTSANABEN LALJIBHAI BHAGAT 44 na
LALJIBHAI JAGDISHBHAI BHAGAT 42 7777949165
JYOTSANABEN SANJAYBHAI BHAGAT 21 NA
MILAN LALJIBHAI BHAGAT 15 NA
DAXABEN LALJIBHAI BHAGAT 18

• Applicant - Mr. SANJAYKUMAR
NA LALJIBHAI BHA
PHIROJPURA, TA, PALANPUR, BANASKANTHA -
• Applicant has lived with family. (self, father, m
• Applicant is owner of hygiene food store. Wit
branch.
• Same is on the rent of 8000 per month. Same
• Having taken shop on rent from last 3 yr in pa
• Having earned aprox 60,000/- aprox p.m with
• During visit there is found 1L stock aprox of m
• Most of goods material is purchasing from Pa
• having purchase Bread or pouf, paou from ne
• Applicant is earned 3k per day. But after all d
• Applicant is also sold Cold-drinks etc. same is
• Also having tea stall with this shop. But we ha
Background of Promoter/s / • His business related verifications found positi
9725711057.
Further Clarifications on Above Mentioned • In the same shop one labor worked on 10k sa
• Here we have consider 15000 income after al
expenses, and rent 8000.)
• Co -Applicant mr. Lalajibhai Bhagat is in milk
Details of Properties
• But as this is OWNED by Applicant
Rabari Cast profile and in Non so
• Co-applicant having Cibil with 769 score.
• In this Cibil having found one loan of 1L cattle
Particulars Property-1
• Also having two JLG loan Property-2
from shriram city un
• Co-applicant Mrs.
Yes (Getting This Jyotsanaben bhaght having
Coming as Collateral to EFL • ButCollateral)
has Rabari cast Non sourcing profile so m
• Applicant Mr. laljibhai jagdishbhai Bhagat is p
LALJIBHAI
• End
JAGDISHBHAI has required up to 2 L fun
use : Applicant
Name of Property Owner • Applicant having given MILKAT NO.243, BHAG
purpose.BHAT
Land Area 675 SQ FT
Constructed Area 675 SQ FT
Population of City/Town/Village 1500.00
Present Market Value of Only LAND (in lacs) - 12.00

as Per Customer
Present Market Value of TOTAL Property (in lacs) - 25.00
as Per Customer
as Enquired from Neighbor-1
as Per CRM Opinion
MILKAT NO.243,
BHAGAT VAS,
Address of Property with CITY/Town/Village with PHIROJPURA, TA,
PIN Code PALANPUR,
BANASKANTHA -
385010
Age of Construction 10YR
Construction Quality 1-5 (1- 4

Very Poor, 5-Very Good)
Locality Residential Area
Distance of Property from EFL Branch (Kms) 15

Distance of Existing Rented Place to New Place
(if applicable)
Entire Property
Property is Occupied by Whom at Present Occupied by Self
Is Property Hypothecated to any Financer at Present -

(Purchase/Takeover Case)
Rent Paid at Present pm (if shifting from Rented Place
to Owned Place)
Area of Rented Place (if shifting from Rented Place to
Owned Place)
Actual Purchase Price of Property (Rs. in Lacs)
Agreement / Sale-Deed Value (Rs. in Lacs)
Stamp Duty Amount (Rs. in Lacs)
Advance Paid to Property Seller (Rs. in Lacs)
Margin Source
No. Source
Rows Not to be Filled

Rows Not to be Filled
Main Commercials
IRR 25.00%
MF % 2.00%
Net Tenure (in Months) 60
I-Pru Taken Yes
Property Insurance %
3 References
Name of Company Name of Key Person
helper vikasbhai
murlidhar fast food dilipbhai
A dude cloth store vipulbhai
Conclusion by CRM
APPLICANT HAVING IN THE BUSINESS FROM LA
nill LOAN TRACK
FOUND GOOD LIVING STANDARD
Major Strengths
NON SOURCEING PROFILE

NOT HAVING BANKING OF NAME - SUNJAYBHA
RABARI CAST PROFILE WITH MILK INCOME.
MAHINDRA HOUSING CLOSED LOAN TRACE OF
Major Weaknesses
Any Document Pending (if any) & by when will this be
Submitted OR Any Special Observation/s to be
Highlighted / Any Deviations to Be Mentioned
Subject to conditions:
1) Subject to Positive Legal report of the prope
2) Subject to Positive RCU report.
3) I-pru to be taken of SANJAYKUMAR LALJIBH
taken as Consider only land value.
Frank Opinion of CRM on Doability of This Case 4) RM to be done in favoring of EFL on SORP –
TA, PALANPUR, BANASKANTHA - 385010..
5) ROI will be 25%.
6) EMI repayment from DENA BANK A/C. NO.
BHAGAT.
Below To Be Filled by HO A
Observations Not Covered Above
Major Strengths
Major Weaknesses
Major Weaknesses
Recommendation / Decision
ase
BIPIN PARMAR Version-1.0 12-Oct-19
PALANPAUR Expected Disbursement Date 30/Mar/20
130673 Is Token Amount Collected Yes

stomer (Own Requirement)
New
MSBL
Refinance against Property / LAP
quired up to 2 L fund for CONSTRUCTION OF NEW

HOME AT 2nd FLOOR.
2.00
LTV (only Land/s) 17%
rce/s - of Entire Family

Income Income Income Income Income
Source-2 Source-3 Source-4 Source-5 Source -6
ED 2L IN HIS CATTLE BUSINESS, ALSO INVESTED 2L APROX IN HIS CURRENT SHOP OF FAST FOOD.
ls of Individuals
Nature of Relationship with Native Giving Giving
CIBIL Score
Individual Promoter Place Guarantee SPDC
Key Person
Key Person
Himself/Herself phirojpura Yes No -1
Relative Mother phirojpura Yes No 769
Property Owner Father phirojpura Yes Yes 704
Relative Wife phirojpura No No NA
Relative Brother phirojpura No No NA
NJAYKUMAR LALJIBHAI
RelativeBHAGAT - staying with Family
Sister in MILKAT NO.243,
phirojpura No BHAGAT
No VAS, NA
ALANPUR, BANASKANTHA - 385010. From +15 years Aprox 15km from Palanpur Branch.
d with family. (self, father, mother & Sister & brother)
r of hygiene food store. With named murlidhar fast food at Palanpur city opposite our Palanpur
nt of 8000 per month. Same is verified by owner Mr. Dilipbhai 9924427579

on rent from last 3 yr in palanpur.
ox 60,000/- aprox p.m with per day 2000/- counter.
s found 1L stock aprox of machinery.
terial is purchasing from Palanpur local are like vegetables’, masala, sauces etc.
read or pouf, paou from nearest Rupam bakery – in Cash on daily basis.
d 3k per day. But after all deduction we have consider only 2000 per day.
old Cold-drinks etc. same is found in the Store.
all with this shop. But we have included its income in above mentioned 2k per day counter.
ed verifications found positive from the nearest A dude Cloths store – Mr Vipul bhai Barot -
one labor worked on 10k salaries with Named – Vikakasbhai - 9727712115.

sider 15000 income after all deduction of (10000 labor salary, 1000 electricity bill, 1000 other
8000.)
Lalajibhai Bhagat is in milk business.
riNED by Applicant
Cast profile / First
and in Non sourcing Relative
profile s
we have /consider only his son’s business income.
ng Cibil with 769 score.
found one loan of 1L cattle purchase loan from dena bank .
Property-2
G loan from shriram cityProperty-3
union of 48k & 50k.Property-4 Property-5 Total Value
Jyotsanaben bhaght having working in milk business from last +15 year.
t Non sourcing profile so milk income not consider
bhai jagdishbhai Bhagat is property owner
t has required up to 2 L fund for Reconstruct his home on 2nd floor.
iven MILKAT NO.243, BHAGAT VAS, PHIROJPURA, TA, PALANPUR, BANASKANTHA - 385010. for RM
12.00
25.00
NA
Source Amt(Lacs) TOTAL IP (approx)--> -2.00
Source Total --> 0.00
Shortfall --> -2.00
ercials Incompletely Filled
---> Accepted by Customer Yes
ces
Cell Number Connection with our Borrower
9727715115 worker
9924427579 shop owner
9725711057 nearest shop owner
y CRM Incompletely Filled

IN THE BUSINESS FROM LAST +3 YEARS
G STANDARD
ROFILE
NG OF NAME - SUNJAYBHAI
LE WITH MILK INCOME.
G CLOSED LOAN TRACE OF LALJIBHAI WITH UP TO 87 DPD
ns:
e Legal report of the property financed.
e RCU report.
of SANJAYKUMAR LALJIBHAI BHAGAT Property insurance not to be
nly land value.
favoring of EFL on SORP – MILKAT NO.243, BHAGAT VAS, PHIROJPURA,
NASKANTHA - 385010..
rom DENA BANK A/C. NO. 074810003231 – LALJIBHAI JAGDISHBHAI
o Be Filled by HO Analyst
30/Mar/20
Yes
Name of Borrower ---> SANJAYKUMAR LALJIBHAI BHAGAT
Version 1.5 (1-3-19) Business / Income
SENPSource-1
- FAST FOOD
Nature of This Business Activity ----> BUSINESS
Vintage of This Business ----> 5-8 Years
Raw Material Purchase PM

Expenses / Outflow Per Month
Rent PM
Salary PM
Electricity Bill PM
Stationery PM
Canteen/Pantry PM
Loan Instalments PM
Petrol/Diesel/Travelling/Logistics PM
Others PM
TOTAL 0

Rent PM
Salary PM
Electricity Bill PM
Stationery PM
Canteen/Pantry PM
Loan Instalments PM
Others PM
TOTAL 0
Amount
Rent PM
Salary PM
Electricity Bill PM
Stationery PM
Canteen/Pantry PM
Loan Instalments PM 5488
Others PM
TOTAL 5488
No. of Family Members 6

Household Expense PM (as told by Wife) 6000
11488
Total Expense / Outflow PM Including Household Expenses
Source-1
Sale (as Told by Customer) 0
Inflow Per Sale (as Per Books) / SALARY PM (if Salaried)
Month Sale (Validated From Various Sources) 23,000
Surplus Per Month (Without EMIs) 17000

NET Surplus Per Month (With EMIs) 11512
Without FOIR
Discounting Factor of Surplus PM / Factoring 50%

Discounted Surplus PM 5756
ROI / IRR 25.00%

Tenure in Months 60
Maximum Permissible Exposure (Lacs) 1.96
LTV (Total) ----> 28%
LTV (Only Land) ----> 39%
YKUMAR LALJIBHAI BHAGAT Lead/Ref ID ---> 130673
Business / Income Business / Income Business / Income Business / Income
Source-2 Source-3 Source-4 Source-5
As Told By Customer
0 0 0 0
As Per Books
0 0 0 0
Amount VALIDATED from Various Sources
0 0 0 0
6
Seems Too Low - Check
6000
11488
Source-2 Source-3 Source-4 Source-5
90000
17000 Enquire About What Does Customer Do

11512 With Surplus Every Month
With FOIR
As Told By
49% Customer
As Per Books
5874
Sale / Inflow 90000 0
Total Expenses /
6000 6000
Outflow
2.00 Surplus 84000 --

29%
40%
# High Mismatch in Surplus Told by Customer AND as Per Validation

# Quite Low Household Expenses - Needs to be Verified Again
--------> High LTV <--------
TOTAL
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5488
0
0
5488
eems Too Low - Check

TOTAL
90000
0
23000
bout What Does Customer Do

th Surplus Every Month
Validated Amount
23000
11488
11512
Banking Analysis - Combined
Version 1.5 (1-3-19)
Date Apr-19 May-19 Jun-19 Jul-19 Aug-19 Sep-19 Oct-19 Nov-19
5th 2001 9927 870 4147 4223 4971 5331 4988
10th 6664 6400 942 4147 996 1744 2104 1391
15th 6664 1388 930 4147 1026 6875 2104 1435
20th 6264 1407 4052 1334 1498 2018 2104 1125
25th 6264 870 4052 1334 1498 1900 10735 1125
Month avg 5571 3998 2169 3022 1848 3502 4476 2013
Credit (Val) 8677 4803 8634 11180 31794 65772 10000 5000
Credit (No) 2 1 2 2 6 3 1 1
I/w Return 0 0 0 0 0 0 0 0
12 months Avg ABB 3022 6 months Avg ABB 2691
12 months Avg MOS 0.5 6 months Avg MOS 0.5
MOS is 1 Time For 11 Dates o/f 60 MOS is 2 Times For 0
Banking Analysis - Business - 1

5th 2001 9927 870 4147 4223 4971 5331 4988
10th 6664 6400 942 4147 996 1744 2104 1391
15th 6664 1388 930 4147 1026 6875 2104 1435
20th 6264 1407 4052 1334 1498 2018 2104 1125
25th 6264 870 4052 1334 1498 1900 10735 1125
Month avg 5571 3998 2169 3022 1848 3502 4476 2013
Credit (Val) 8677 4803 8634 11180 31794 65772 10000 5000
Credit (No) 2 1 2 2 6 3 1 1
I/w Return 0 0 0 0 0 0 0 0

5th 0 0 0 0 0 0 0 0
10th 0 0 0 0 0 0 0 0
15th 0 0 0 0 0 0 0 0
20th 0 0 0 0 0 0 0 0
25th 0 0 0 0 0 0 0 0
Month avg 0 0 0 0 0 0 0 0
Credit (Val) 0 0 0 0 0 0 0 0
Credit (No) 0 0 0 0 0 0 0 0
I/w Return 0 0 0 0 0 0 0 0

5th 0 0 0 0 0 0 0 0
10th 0 0 0 0 0 0 0 0
15th 0 0 0 0 0 0 0 0
20th 0 0 0 0 0 0 0 0
25th 0 0 0 0 0 0 0 0
Month avg 0 0 0 0 0 0 0 0
Credit (Val) 0 0 0 0 0 0 0 0
Credit (No) 0 0 0 0 0 0 0 0
I/w Return 0 0 0 0 0 0 0 0

5th 0 0 0 0 0 0 0 0
10th 0 0 0 0 0 0 0 0
15th 0 0 0 0 0 0 0 0
20th 0 0 0 0 0 0 0 0
25th 0 0 0 0 0 0 0 0
Month avg 0 0 0 0 0 0 0 0
Credit (Val) 0 0 0 0 0 0 0 0
Credit (No) 0 0 0 0 0 0 0 0
I/w Return 0 0 0 0 0 0 0 0

5th 0 0 0 0 0 0 0 0
10th 0 0 0 0 0 0 0 0
15th 0 0 0 0 0 0 0 0
20th 0 0 0 0 0 0 0 0
25th 0 0 0 0 0 0 0 0
Month avg 0 0 0 0 0 0 0 0
Credit (Val) 0 0 0 0 0 0 0 0
Credit (No) 0 0 0 0 0 0 0 0
I/w Return 0 0 0 0 0 0 0 0
EMI ---> 5756 --> According to Considered Surplus
Dec-19 Jan-20 Feb-20 Mar-20 Date Avg
4006 6234 4261 4278 4603
4006 7166 1060 0 3052
910 1716 1060 0 2355
1059 1716 740 0 1943
7734 1616 740 0 3156
3543 3690 1572 856 Row TOTAL
6000 22000 26 11700 185586
4 5 1 2 30
0 0 0 0 0
3 months Avg ABB 2039
3 months Avg MOS 0.4
Dates o/f 60 MOS is 3 Times For 0 Dates o/f 60
s-1
EMI ---> 5756
4006 6234 4261 4278 4603
4006 7166 1060 0 3052
910 1716 1060 0 2355
1059 1716 740 0 1943
7734 1616 740 0 3156
3543 3690 1572 856 Row TOTAL
6000 22000 26 11700 185586
4 5 1 2 30
0 0 0 0 0
3 months Avg ABB 2039
s-2
EMI ---> 5756
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 Row TOTAL
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
3 months Avg ABB 0
s-3
EMI ---> 5756
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 Row TOTAL
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
3 months Avg ABB 0
s-4
EMI ---> 5756
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 Row TOTAL
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
3 months Avg ABB 0
s-5
EMI ---> 5756
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 Row TOTAL
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
3 months Avg ABB 0
Banking - Business-1 SENP - FAST FOOD BUSINESS
Name SANJAYKUMAR LALJIBHAI BHAGAT
Credit Entries I/w returns
Month Number Amount Number Bank name DENA BANK
Apr/19 2 8677 Account No. 03810003231
May/19 1 4803 Type of A/c SB
Jun/19 2 8634
Jul/19 2 11180
Aug/19 6 31794
Sep/19 3 65772 Any Special Comments on Banking by CRM
Oct/19 1 10000
Nov/19 1 5000
Dec/19 4 6000
Jan/20 5 22000
FOUND GOOD BANKING. IN BANKING SHOING 3277 &2988 EMI A
RAM CITY UNION
Feb/20 1 26
Mar/20 2 11700
Total 30 185586 0
371172
(CC Limit to be mentioned - Lower out of Drawing Power & CC Limit as per SL) ……..TOD NOT TO BE CONSIDERED UNLESS SU
CC/OD LIMIT 0 0 0 0 0 0 0 0
5th 2001 9927 870 4147 4223 4971 5331 4988
10th 6664 6400 942 4147 996 1744 2104 1391
15th 6664 1388 930 4147 1026 6875 2104 1435
20th 6264 1407 4052 1334 1498 2018 2104 1125
25th 6264 870 4052 1334 1498 1900 10735 1125
All 60 dates not filled, in above table
Banking - Business-2 0
Month Number Amount Number Bank name
Apr-19 Account No.
May-19 Type of A/c
Jun-19
Jul-19
Aug-19
Sep-19
Oct-19
Nov-19
Dec-19
Jan-20
Feb-20
Mar-20
Total 0 0 0
Bank Balances in Savings Account / CA

5th
10th
15th
20th
25th
Apr-19 Account No.
May-19 Type of A/c
Jun-19
Jul-19
Aug-19
Sep-19
Oct-19
Nov-19
Dec-19
Jan-20
Feb-20
Mar-20
Total 0 0 0

5th
10th
15th
20th
25th
Apr-19 Account No.
May-19 Type of A/c
Jun-19
Jul-19
Aug-19
Sep-19
Oct-19
Nov-19
Dec-19
Jan-20
Feb-20
Mar-20
Total 0 0 0

5th
10th
15th
20th
25th
Apr-19 Account No.
May-19 Type of A/c
Jun-19
Jul-19
Aug-19
Sep-19
Oct-19
Nov-19
Dec-19
Jan-20
Feb-20
Mar-20
Total 0 0 0

5th
10th
15th
20th
25th
OD BUSINESS
Enter All Amounts at

Actuals and Not in
Lacs
4/30/2020
4
0
SHOING 3277 &2988 EMI AS SHRI 12
UNION
E CONSIDERED UNLESS SUPPORTED by SL

0 0 0 0
Dec-19 Jan-20 Feb-20 Mar-20
4006 6234 4261 4278
4006 7166 1060
910 1716 1060
1059 1716 740
7734 1616 740
table
table
table
table

table
99.00 <-- TOTALS -->
Borrowed by
Name of Bank / Original Loan Started From /
Applicant /
Loan No NBFC Who Has Loan Type Amount To Start From
Co-Applicant /
Given This Loan (lacs) (Month)
Guarantor
1 Co-Borrower DENA BANK Others 1.00 Dec/19
2 Co-Borrower SHRI RAM CITY UNIONOthers 50.00 Sep/19
3 Co-Borrower SHRI RAM CITY UNIONOthers 48.00 Oct/18
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
1.00 8765 Date of EMI clearance in Last 6 Months
Loan o/s as
EMI (Actual) EMI going from
of now - POS Oct/19 Nov/19 Dec/19 Jan/20
NOT in lacs (Bank Name)
(in lacs)
0.48 2500 dena bank 10

0.46 2988 dena bank 5 5 5 5
0.06 3277 dena bank 7 7 7 7
Bank did not Debit / NACH or
e in Last 6 Months ECS did not Hit - Not to be
considered as Bouncing in
this column
No of Bouncings of
ROI of This
Feb/20 Mar/20 this Loan in Last 6 End Use of this Loan
Loan
Months
11 11 9% CATTLE PURCHASE
5 5 PERSONAL USE
7 7 PERSONAL USE
Does This Loan Does EMI DEBIT of
Appear in CIBIL / this Loan Appear in Any Additional Remark CRM Wants to Mention wrt This Loan
HighMark Bank Statement
Y Y IN THIS LOAN RECEIVED ONLY 50K - AND SAME IS OBLIGETED

N Y SAME IS OBLIGETED IN THE LOAN
N Y SAME IS CLOSED IN APRIL 2020 SO NOT OBLIGETED
Milk Income
The Moti Bhatamal Dudh Uatpadak Mandlai
Milk Income is credit with entry as like PAGAR SALARY
Total 0
Avag. Income monthly 0
FAST FOOD SHOP
WORK Per Day Saling
COUNTER of rs. 3000/- (SALE hygiene food.etc)

General store income
per day counter income Per month
2000 60000
Total Income
Security Job 23,000
Income 23,000
OP
income Per month MARGIN Profit monthly
90000 26%
23040
Net Income monthly 23040
expenses - 10000/-
helper salary, 1000
Margine 57.50
electricity bill , 8000 Net income profit
rent, 500 other %
traveling expenses
20000 40000 58% 23000

`
100% consider
Property
shope
https://www.google.com/maps/place/24%C2%B016'19.0%22N+72%C2%B027'45.0%22E/@24.2719507,72.4603207,17z/data
https://www.google.com/maps/place/24%C2%B010'44.0%22N+72%C2%B025'11.9%22E/@24.1788917,72.4177859,17z/data

Sanjaykuamr - CIS+Cash-Flow+Banking - EEL (Version-1.6)

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Sanjaykuamr - CIS+Cash-Flow+Banking - EEL (Version-1.6)

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Branch

Sourced from Existing Customer (Own Requirem

Name of Primary Borrower SANJAYKUMAR LALJIBH

Existing / New Customer New

Applicant has required up to 2 L fund fo

Net Exposure (lacs) 2.00

LTV (with Construction) 8%

Income Source/s - of Entire Fa

Products (Manufactured/Traded) / Which Service FAST FOOD SHOP

SANJAYKUMAR LALJIBHAI BHAGAT 21 7990107781

JYOTSANABEN LALJIBHAI BHAGAT 44 na

LALJIBHAI JAGDISHBHAI BHAGAT 42 7777949165

JYOTSANABEN SANJAYBHAI BHAGAT 21 NA

MILAN LALJIBHAI BHAGAT 15 NA

DAXABEN LALJIBHAI BHAGAT 18

Constructed Area 675 SQ FT

Population of City/Town/Village 1500.00

Present Market Value of Only LAND (in lacs) - 12.00

Age of Construction 10YR

Construction Quality 1-5 (1- 4

Locality Residential Area

Distance of Property from EFL Branch (Kms) 15

Is Property Hypothecated to any Financer at Present -

Agreement / Sale-Deed Value (Rs. in Lacs)

Stamp Duty Amount (Rs. in Lacs)

Advance Paid to Property Seller (Rs. in Lacs)

Rows Not to be Filled

Net Tenure (in Months) 60

I-Pru Taken Yes

murlidhar fast food dilipbhai

A dude cloth store vipulbhai

NON SOURCEING PROFILE

Observations Not Covered Above

PALANPAUR Expected Disbursement Date 30/Mar/20

130673 Is Token Amount Collected Yes

SANJAYKUMAR LALJIBHAI BHAGAT

Refinance against Property / LAP

quired up to 2 L fund for CONSTRUCTION OF NEW

LTV (only Land/s) 17%

rce/s - of Entire Family

Relative Mother phirojpura Yes No 769

Property Owner Father phirojpura Yes Yes 704

Relative Wife phirojpura No No NA

Relative Brother phirojpura No No NA

nt of 8000 per month. Same is verified by owner Mr. Dilipbhai 9924427579

one labor worked on 10k salaries with Named – Vikakasbhai - 9727712115.

ercials Incompletely Filled

---> Accepted by Customer Yes

---> Accepted by Customer Yes

---> Accepted by Customer Yes

---> Accepted by Customer Yes

9924427579 shop owner

9725711057 nearest shop owner

y CRM Incompletely Filled

rom DENA BANK A/C. NO. 074810003231 – LALJIBHAI JAGDISHBHAI

Raw Material Purchase PM

Raw Material Purchase PM

No. of Family Members 6

Surplus Per Month (Without EMIs) 17000

Discounting Factor of Surplus PM / Factoring 50%

ROI / IRR 25.00%

17000 Enquire About What Does Customer Do