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Credit Appraisal Format for limits up to Rs.2 crore (for SME up to Rs.5 crore)
4. Facilities Recommended:
(Rs.in lac)
Nature Existing Proposed
Fund Based
CC(H)/CC (Book Debt) 3.00
Inland Bills limit
FOBP/FOUBP/FABC
Others
Fund Based Ceiling
Non Fund Based
ILC/FLC
ILG/ FLG
Non Fund Based Ceiling
Term Loan
Limit of credit exposure on account of all
derivative products
TOTAL COMMITMENT 3.00
Profitability:Net profit has been growing over the years due to the increasing volume of the
business. The profitability ratio was around 8.90% during last year respectively. it is expected
to increase 9.04 during this year. Still profitability ratio of around 9.54 % is comfortable and
may be accepted.
Current Ratio: Current ratio has been 6.85 shown good indications during this year due to
decrease current liabilities compare to past year. It is projected to improve further during next
year to 3.11 due current liabilities increase but compare to less than current assets.
TOL/TNW:TNW has been increasing over last year’s due to plough back of profit. Is very
uncomfortable at high 6.00 during FY 2017-18. It indicates very high stake of proprietor and
less dependence on outside liability.
TOL/TNW is expected to increases to 3.00 during this year. Liability by way of bank finance
.but still it is comfortable and acceptable it is expected to improve further during next year to
2.50 this good gearing ratio puts unit under very low risk zone.
7. F Overall likely impact of (7.B to 7.E) on the financial position of the borrowing unit
8. A Primary Security.
8. B Guarantee/Guarantors
8. D Collateral Security (Including details of changes in IPs as security from last sanction, if
any)
Security Area Ownershi Value Basis for Dat Whether
Description in Sq p Last Present Realisable valuation e existing/
M or sanction book value fresh
Sq value
Ft
9. Position of Account as on
(Rs.in lakh)
Nature Limit VS DP Balance Irregularity
along with
reasons
Cash Credit 3.00 3.00
Comments, if any
11. Brief History (Should also include comments on industry scenario and industry outlook,
management, production and marketing, borrowers' diversification, expansion,
modernization programmed, risk perception including environmental and social risk
along with proposed mitigations)
b) Justification for working capital sanction as per simplified method or traditional method
of lending, as the case may be
i) Assessment of Fund Based Limits as per second method of lending
Item Current Year’s Estimates Accepted for the
year
Chargeable current assets 784500
Other current assets 1377707
Total current assets 2162207
Other current liabilities 488704
Working capital gap 1673503
Net Working Capital at 25% of Total 344426
Current Assets less Export Receivables
Projected net working capital 726636
Permissible bank finance 400000
PBF will be computed at 25% of estimated turnover accepted for PBF net of margin
Si n ce th e b an k f in an ce is o nl y i n te n de d to s upp or t n ee d b as ed re q u i re me n t of
a bo r ro we r if the av ail abl e NWC ( ne t l o n g ter m s u rpl us f unds ) is mo re th an 5
per ce n t of th e tu r no ver th e f orme r s ho ul d be re cko n ed f or as sess i n g th e e x te n t
of b ank f in an ce .
LETTER OF CREDIT
(Rs in Crore)
Particulars ILC (Indigenous) FLC (Imported)
1. Total purchases during the year
2. Purchases proposed against LC
(FOB/CIF Value)
3. RM requirement against LC per month
4. Usance Period in months
5. Lead Period in month
6. Total period in months
7. LC requirement (3 X 6)
8. LC recommended
BANK GUARANTEE
13. a) Comments on Credit Risk Rating Report (Reasons for down gradation be mentioned)
16. Recommendations:
On the above forgoing we recommend for sanction of a Cash Credit (stock) Limit of Rs.
4.00 lac (rupees Four Lac) to M/S Laxmi Store for 12 month on usual Terms & Conditions Of
the bank, Subject to fulfilling the stipulations of this month.
General Instructions
if account is eligible for stock audit, the observations of stock audit reports along with
comments be furnished.
under risk perception comments about generation of employment, social development aspects, backward area
development incentives, social disorder/ unrest, availability of pollution control certificate, changes in regulatory
policies of Local/State/Central Govt. etc. Activity is Prohibitive or not, location of unit in Restrictive Area (i.e. near
to Residential, Historic Monuments, etc.) be given.
Profit & Loss Account and Balance Sheet/Fund Flow Statement for last three years. Key financial figures i.e.
paid up capital, sales, and net profit: Latest Data for the current financial year.
Key financial indicators for associate/ group/allied/subsidiary companies should include Gross Sales, PBT and
TNW.
I. (a) Name: _______PUNAM JHA______ (b) Index No. _________ Date ________
Estd. _-2002
_________________________________________________________________
9. Immovable properties 9.
as per item No. X (out
of which property
worth
Rs._____________ is
self occupied for
residential purpose.
[Valued at
depreciated cost &
unencumbered (Give
details)]
(Give reasons)
VIII. Reports
* In case the IPs is/are recently purchased then the purchase price as per sale deed and not
the market value shall be reckoned as value of the property. The period for recent purchase be
taken as 12 months from the date of sale deed; however, if the guideline value has been revised
after the date of sale deed and it is higher than the purchase value then value of the property
shall be reckoned in terms of the guideline value even if the sale deed is recent i.e. not one year
old.
@ Specify whichever of the following is applicable
Regd. Title/Sale deed (mention date of execution and registration), Latest House/ Property Tax
Receipt dated __________ Patwari Fard/Revenue Receipt dt.___________ in case of Agriculture
land
(Photocopy of the documents from which ownership has been verified and a rough sketch of the
property indicating the boundaries, other land marks etc. should be prepared & kept on
record).
Search Report/Legal opinion dated ___________ along with receipt no. ____dated ____________
issued by Registrar of Assurances (original search report, legal opinion and receipt should be
kept on record).
Place:
Date:
I. (a) Name:_SASHI SEKHER _____________ (b) Index No. _________ Date ________
Estd. _____________________________
_________________________________________________________________
Office :
[Valued at depreciated
cost & unencumbered
(Give details)]
(Give reasons)
VIII. Reports
* In case the IPs is/are recently purchased then the purchase price as per sale deed and not
the market value shall be reckoned as value of the property. The period for recent purchase be
taken as 12 months from the date of sale deed; however, if the guideline value has been revised
after the date of sale deed and it is higher than the purchase value then value of the property
shall be reckoned in terms of the guideline value even if the sale deed is recent i.e. not one year
old.
Regd. Title/Sale deed (mention date of execution and registration), Latest House/ Property Tax
Receipt dated __________ Patwari Fard/Revenue Receipt dt.___________ in case of Agriculture
land
(Photocopy of the documents from which ownership has been verified and a rough sketch of the
property indicating the boundaries, other land marks etc. should be prepared & kept on
record).
Place:
Date: