SME City Centre, Nagpur

REVIEW OF ACCOUNTS
Submission of information/details, along with Branch Comments/ Recommendations for
proposed sanction:
Check list (For REVIEW OF Accounts)
1
2.
3.
4.
5.
6.
7.

Soft and hard copy of last sanctioned proposal and subsequent memos, if
any along with rating sheet.
Copy of application seeking enhancement /additional faciliits
CMA duly signed by the borrowers (hard and soft copy)
Last 3 years Audited Balance Sheet
Copy of last stocks & receivables statement in case of working capital limits.
Copy of the valuation of the property mentioning market and distress sales
value. Fresh valuation report in case valuation is more than 3 years old.
Any other information required for the proposal and/or Branch would like to
furnish for incorporating in the proposal

Submitte
d
Y/N/NA
Y/N/NA
Y/N/NA
Y/N/NA
Y/N/NA
Y/N/NA
Y/N/NA

(For Review of the account)

Table-I
Security

Particulars$

(Rs in lakhs)
Date of
valuation report

Dt of creation of
charge
Total

Value
Our share

Principal
#Collateral
1.# Names of title holder and his/her relationship with borrower.
2.$ Our exclusive charge/ First pari passu/ Second pari passu charge etc.
3.Branch to approve the valuation reports & Title search reports of the properties.
4.Details of insurance policies in force & whether banks charge
noted.
5.Cersai Assets ID of mortgaged property detail address along
with Pin No
6.Value of stocks & receivables as per last stock statement alongwith DP, DL
7.Copy of last approved TISR report & approved valuation reports.
Fresh
valuation reports, in case the last valuation is more than 3 years
old.
Date of last review and Authority.
Table-II
Particulars of Proprietor/Partners/Directors/Trustees etc:
(Rs in lakhs)
Name
Age Worth Basis
of Address & Phone No.
*(Status)
Worth
Residential
Office
Mobile No

(latest)
* Status will be one of these: Proprietor/Partner/Director/Trustees etc. Pan No in case of
directors DIN No

Guarantors name

Assets

Liabilities

Net worth
as
on_______

(Rs. in lakhs)
Basis

Pan No of Guarantors
Latest CBD 23 to be obtained & kept on record duly verified by the branch
Table-III
Conduct of the account:
Cheques returned during the year under review for financial reasons:
LC devolved and BG invoked:
Table-IV
Sales upto current month during current FY.
Latest share holding pattern in case of company.
Table-V
BORROWERS EXPOSURE:

(Existing)
Facility
Limit

(Rs. in lakhs)
Outstanding
Asset Status

With Us
With Other Banks
With FIs*
Under Lease
Finance/Invt.
Total
* Name of banks/FIs to be given.
Table-VI
GROUP EXPOSURE (including this proposal)
Name of Zone/
AC/
Conduct of
company Branch
CR
account
2

Limit
FB

NFB

Total/
Max.

(Rs. in lakhs)
Outstanding
FB
NFB

Out of
Order

Total
Table-VII
DETAILS OF FLOAT AVAILABLE:
Current year position
No. of A/cs Amount

(Rs. in lakhs)
Position during last year
Average
Outstanding as
Balance
on

Saving Bank
Current Deposit
Term Deposit
Total
Copy of CUST PSN report on the account
Table - VIII
Justification/ recommendations of the branch, for concession in ROI / PPC/ TEV
Charges, if requested by the borrower
Table-IX
AUDIT/INSPECTION/MEETINGS/CPA:
Last Date
Inspection
Stock audit
For FY:
Consortium meeting
Any adverse comments of Statutory/
Internal/ Concurrent/RBI Auditors and
Borrower's Auditors.
Closure of CPA (Authority & Date)

Remarks/observations

Table-X
CONFIRMATION:
a. Compliance of last sanctioned terms
b. Security Documents are valid/in force
c. Proper charge on securities created in Banks favour
d. Exposure is within Banks prudential Norms/RBI guidelines
E Whether company/directors are under Banks/RBI upto /
ECGC SAL/CIBIL defaulters list
f. Any deviation from usual norms
g. Whether directors are disqualified under Section 274 of
Companies Act
h. Any arrears in payment of statutory liabilities by the Co.
i. Whether status report/D&B report, if applicable, obtained
j. Auditors comments on Corporate Governance Practices
followed in case of Limited Companies
3

:
:
:
:
:

Yes/No
Yes/No
Yes/No
Yes/No
Yes/No

:
:

Yes/No
Yes/No

:
:
:

Yes/No
Yes/No
Yes/No

k
l.

Pending litigation against/by the company (If yes details to

be given)
Whether company/directors/firms partners/proprietor are
related to Banks director/s

Yes/No

Yes/No

Table-XI
Position of Accounts as on:
Facility
Sanc. Value of
Limit
Security
As on
_____
Fund Based

Drawin
g
Power

Drawin
g Limit

O/S
Amt. as
on ___

(Rs. in lakhs)
Out of
Earnings
order by
Last 4
Amount
quarters
*(
)

Non-Fund Based
* Date since out of order along with break-up of overdues
Table-XII
STATUS OF SECURITY DOCUMENTS, ADEQUACY AND VALIDITY OF INSURANCE,
REGISTRATION OF CHARGE ETC
1. Whether security documents are properly executed
YES / NO *
and are in order
2. Validity of Security Documents:
Facility
Existing Limit
Documents
(Rs. in lakhs)
in force upto:
3.
4.
5.
6.

7.

Whether
other
documents/
undertakings/
declarations, obtained as per the terms of sanction
Date of search in the files of Registrar of Companies
last taken
Whether all our charges are properly registered with
requisite priority and certificates held by the Branch.
Whether insurance cover for assets including
collateral security charged to the Bank is adequate,
covers all required risks, in force and assigned /
obtained in Bank's favour
Irregularities reported by internal/ external/ statutory
auditors in documentation, insurance, registration of
charges and steps taken for regularising the same.
Please also confirm that deficiencies reported will
not affect safety of Bank's funds.

Whether all our charges are properly registered/

noted with revenue authorities and certificates held by
Branch

Branch Comments/ Recommendations