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20.VERIFICATION DETAIL Verification Type Result Residence verification Positive / Negative Reference check Debtors Positive / Negative Reference check Positive / Negative Creditors Independent/ Market Positive / Negative reference check Assets Verification Positive / Negative Price Verification Positive / Negative RM CAM Rating (Excellent, Good, Medium, poor) GUARANTOR DETAIL Name Address CIBIL score Verification Type Machine supplier check Bankers reference check Dedupe FCU check Customer Meeting Auditor Verification Income from salary Income from business Result Positive / Negative Positive / Negative Positive / Negative Positive / Negative Positive / Negative Positive / Negative Detail of other firm if any
1.
21. I.
REFERENCE CHECK BY CREDIT ANALYST: Machine Supplier Name of Machine Supplier 1 Contact Person with contact details Detail of the Machine Transaction detail Market rate of the machine Other observation
Name of Machine Supplier 2 Contact Person with contact details Detail of the Machine Transaction detail Market rate of the machine Other observation
II.
Creditor Name of Creditor 1 Contact Person with contact details Number of years of relationship Nature of relationship Name of RM & Credit Analyst & Date
TimesNew Roman 12Page
III. Customer Name of Customer 1 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 Name of Customer 2 Contact Person with contact details Number of years of relationship Nature of relationship Volume & value of business Payment terms General experience, outlook about the applicant IV. Bankers/ Term lenders Name of Banker / Financial Institutions Contact Person with contact details Number of years of relationship Nature of relationship
VI. Compliances & Legal: Compliances Income tax filing: Regular and timely Excise duty/ Service Tax filing: Regular and timely Sales tax filing: Regular and timely ESIC and EPF dues: Regular and timely Litigation/case against the Entity (check on internet) Litigation against the Promoters (check on internet) Any previous defaults (check on internet)
Yes / No
Remarks
22.
CAT SHEET:
24. 25.
DETAILS OF LOANS Paste RTR Sheet COMMENTS ON FINANCIALS: 1 Total Tangible Net Worth: a) Capital b) Reserve c) Own unsecured Loan 2 Total outside Liabilities: a) Secured Term Loan: b) Unsecured Term Loan c) Working Capital Facilities d) Other Liabilities(Deferred Tax , ect): 3 Current Assets: a) Debtor b) Inventory c) Cash & Bank d) Other Current Assets (Loans & Adv/ Security etc.) 4 Current Liabilities a) Creditor b) Expenses Payable c) Other Current Liabilities. 5 Fixed Assets ( Land & building / Plant & machinery, Others) 6 Profit & Loss account a) Turnover ( Domestic, Export : b) Interest to FI/P.P c) Depreciation d) Expenses ( Major observation, if any) Name of RM & Credit Analyst & Date
TimesNew Roman 12Page
Main Applicant
Corporate Guarantor
Group Total
28.
End Usage of funds as discussed with Client 29. OBSERVATION ON PROPOSAL BY CREDIT ANALYST Growth History: Profitability: Banking Observation CIBIL Observation External Rating: Industry Outlook Financial Observation Assets being Financed( Standard / Nonstandard): Comments on existing Exposure / PDD / Cumulative exposure
30.
Mitigate
Non Financial
31.
32.
34.
FINAL CREDIT COMMITTEE DECISION PARAMETER Final BC/EC/CC Decision Parameter Proposal Approved detail as per BC/EC/CC meeting is in Annexture1 Approval Committee Designation
Name
Signature
Designation
Annexure 1
ROI (Reducing) Management Fee Tenure Personal guarantees Corporate Guarantee (if Applicable) ROC Charges Hypothecation Detail PSL ( Yes/ No) Insurance Any other condition Authorised Person Name
Designation
Signature
10