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Annexure

Credit Appraisal Format for limits up to Rs.2 crore (for SME up to Rs.5 crore)

Date of proposal ______/______/20


Whether fresh/renewal/ enhancement/In-principle NEW
Asset Classification as on date Standard
Credit Risk Rating based on ABS (Previous and current with scores and
reasons for degradation, if any)
Last PMS Score, if applicable
Customer ID No.
Activity Code
Whether sensitive sector – Real estate/Capital market along with
applicable risk weight
Date of last sanction & Sanctioning Authority

GIST OF THE PROPOSAL

1.a) Name of the Borrower and M/S OM MEDICAL AGENCY


Constitution Partnership (individual)
b) Address of Regd. Office AT- bangaon road, PO+DIST - SAHARSA -
852201 [BIHAR]
c) Works/Factory Bangaon road, PO-SAHARSA
d) Date of incorporation/
establishment
e) Dealing with PNB since
f) Business Activity (Product)/ Trade of Medicines
Installed Capacity
2. Branch Office/CO Bangaon road, PO-SAHARSA
3.a) Directors/Partners/Proprietors Binay kumar Khan
(Name, Address, Mobile No., e-mail S/o- Mahendra Khan , At.- Bangaon road,
ID of main Directors/Key persons) PO+DIST - SAHARSA - 852201 [BIHAR]
MOB-9430697159

b) Whether any of them, in RBI’s


Caution advices/ECGCCaution
list/Wilful defaulters' list. If yes,
the reasons for considering the
proposal.
c) If any of them, related to Directors/
Sr. Officers of PNB
d) Management Change since last
sanction, if any
e) Whether Memorandum of N.A
Association permits the Activity &
Powers for borrowings.
f) Shareholding Pattern N.A
g) Whether the profile of the borrower,
its Director/Partners/Promoters
and its Group Cos./Associate
Firms has been verified through
CIBIL database/other credit
information bureaus
If No – please give reasons.
If Yes – please give details.

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

5 Details of limits from other Banks/FIs/Consortium/Multiple Banking as on


(Rs.in lac)

Name of the Bank Existing Share % Proposed Share %


FB NFB FB NFB FB NFB FB NFB

6. A Details of Group Companies/Allied/Associate firms and the facilities sanctioned to


them

Name of the Company FB NFB Name of Dealing Bank Classification of


Account

6. B Comments on conduct of these accounts with our bank/other banks: N.A

6. C Key Financial Figures (Audited) of Group/Allied/Associate concerns (for the last 3


years).
(`. in lac)
31.03. 31.03. 31.03.18
Paid Up Capital 10.98
Reserves & Surplus 0.00
13.89
Tangible Net worth
Block Assets 0.39
Secured/Unsecured Loans 0.00
Sales 35.43
Profit before Tax 0.15
Profit After Tax 0.10
1Comments on Financial Indicators

7. A (i) Financial Position of the borrower


(Rs. in lac)
31.3. 31.3.18 31.3.20 Latest data up to the
last quarter of current
financial year.19
Audited Audited Projected Provisional
35.43 41.86 37.91
Gross Sales
Other Income 0.00 0.00 0.00

Operating Profit/Loss 4.84 5.79 5.20


Profit before tax 0.15 0.62 0.39
Profit after tax 0.10 0.42 0.28
Cash profit/ (Loss) 2.44 3.37 3.19
0.39 4.37 0.34
Block Assets
Depreciation 0.06 0.04 0.04
Net Assets 0.33 4.33 0.30
Secured Loan 0.00 3.00 0.00
Unsecured Loan 0.00 0.00 0.00
Paid up capital 10.98 17.02 13.89
Reserves and Surplus 0.00 0.00 0.00
excluding revaluation reserves
Misc. expenditure not written 0.00 0.00 0.00
off
Accumulated losses 0.00 0.00 0.00
Deferred Tax Liability/Asset 0.00 0.00 0.00
Tangible Net Worth 13.89 20.40 17.02
Net Working Capital 13.55 7.26 8.89
Current Ratio 1.43 2.37 2.82
Debt Equity Ratio 0.68 0.26 0.29
Operating Profit/Sales 0.14 0.14 0.14

7. A (ii) Comments on Financial Indicators


Sales:
Unit achieved 35.43 lac. Sales during the 2017-18. Estimated sales of
Rs.37.91lac.During 2018-19. Is achievable. Further, because the unit will achieve approx
23.71% growth in 2018-19. Comparing to 2014-15 therefore, projected sales of Rs. 41.87
lac.(28.34% growth from 2019-20) is also acceptable.

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.

All ratios showing good health of this unit.

7. B Details of investment in Shares, Debentures, Units or diversion of funds outside the


business etc.

7. C Details of Liabilities not accounted for/Contingent liabilities

7. D Status/details of adverse comments by Auditors of the borrowing unit

7. E Position of assessment of income tax/sales tax/wealth tax of the borrowing concern/


partners/proprietor

7. F Overall likely impact of (7.B to 7.E) on the financial position of the borrowing unit

8. A Primary Security.

i) Working capital facility: Hypo of Stock

ii) Term Loan facility

8. B Guarantee/Guarantors

Name of Guarantor NMs IPs CR Date


Previous Present Previous Present Previous Present

Comments on changes, if any.

8. C Total Commitments by Guarantor(s):

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

10. A Conduct of the Account

Availment of limit, over drawings,


Routing of proportionate business in consortium, routing of sale proceeds, honouring
of commitment in non fund based facilities(details of LC/LG devolved/invoked with
amount),
Regularity in submission of financial statement/QMS/Stock Statement.
The information regarding no. of cheques returned with amount involved due to
financial reasons during the review period should be mentioned.
The amount/frequency of irregularity in the account during the review period should
be mentioned.

10. B Review of the Account (Appendix C to be enclosed)

10. C Value of the Account


(Rs.in lac)
Period Nature of Limit Amount Interest/Commission Earned Yield (%)

Comments, if any

10.D Summary of irregularities pointed out by Bank’s Inspectors, Concurrent Auditors,


Credit Audit & Review Division (CA&RD), RBI Inspectors, Statutory Auditors,
observations of Stock Audit Report, Comment on Preventive Monitoring Score Trends,
(and status of rectification of these irregularities)

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)

12. Present Proposal

a) Brief of the proposal (NEW)

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

ii) Assessment of Fund Based Limits as per simplified turnover method

PBF will be computed at 25% of estimated turnover accepted for PBF net of margin

Th e mar gin w ill b e c om p ut e d h igh er of 5% of est im at e d t ur nov er or pr o je ct e d


NW C.

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 .

c) Justification of non-fund based facilities

(A) Assessment of Non Fund Based Limits

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

Nature & amount of limit sanctioned


Outstanding as on
Name of the beneficiary / ies in whose favour guarantees to be
issued
Nature of the guarantee limit required i.e. performance/
financial/ Bid Bond etc.
Margin proposed
Security
Justification for the proposed limit

d) Justification for term loan/DPG


Purpose

Summary of cost of project and means of finance

Summary of profitability, Break-Even, DSCR and IRR, with comments thereon:

Status of various statutory approvals and clearances

Implementation schedule/Draw down schedule

Proposed repayment schedule

Present status of project (physical as well as financial)

13. a) Comments on Credit Risk Rating Report (Reasons for down gradation be mentioned)

b) Rate of Interest applicable as well as proposed

c) Risk perception, if any

14. Other Issues

15. Summary of merits/justifications for considering the proposal.

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.

SIGNATURE OF APPRAISING AUTHORITY

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.

The following Annexures be enclosed with the proposal:

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.

Credit Risk Rating Report.

Key financial indicators for associate/ group/allied/subsidiary companies should include Gross Sales, PBT and
TNW.

Terms & conditions proposed.


ANNEXURE III

PUNJAB NATIONAL BANK


BO: Saharsa-1104 Circle Office: Darbhanga

CONFIDENTIAL REPORT FOR BORROWERS/GUARANTORS/

INDIVIDUALS (OTHER THAN PERSONAL SEGMENT SCHEMES)/

SOLE PROPRIETORSHIP FIRMS/PARTNERSHIP FIRMS/HUF

Supersedes Confidential Report No.________________ Date ____/_____/20

I. (a) Name: _______PUNAM JHA______ (b) Index No. _________ Date ________

(c) Address ___ Bangaon Road, PO+DIST - SAHARSA - 852201 [BIHAR]______

Estd. _-2002

(d) Business ___Trade of Medicines_______ (e) Reconstituted __________________

(f) Head Office ________DO_______________ Estd. _________DO______________

II. Branch Firms _____________________ Estd. _________________________

III. Associate/Allied Firms Estd. ___________________________

(a) Enjoying facilities with us _______________________________________

_________________________________________________________________

(Give particulars of CR & fill column No. 3 under Remarks) **

(b)Enjoying facilities with other Banks _____________N.A___________________


IV. Constitution: Individual/Sole Proprietorship/Partnership/HUF

Details regarding Individual/Sole Proprietor/Partner) s)/Karta/Co-Parcener

1. Name :PUNAM JHA


2. Address : AT Po. North belonja, PO+DIST - Madhbani - 817222 [BIHAR]
3. Date of birth :03/11/2003
4. PAN/Aadhar No. :ANLPJ3488P
5. Telephone /Mobile No. :7004371309
Residential : AT Po. North belonja, PO+DIST - Madhbani - 817222 [BIHAR]B
Office :

6. Voter ID Card No. :


7. E-mail address : A/c with Bank, if any :

V. Details of past Dealings _____________________________________________

VI. Reputation of borrowers/guarantors __________Normal______________________

VII. Net Means as on ____________________

(Consolidated in Case of Concern having Branch Office) (Rs. in Lac)

ASSETS Rs. LIABILITIES Rs. REMARKS

1. Cash in hand/Bank 0.11 1. Dues to us  Certified that the


assets and liabilities
2. Stocks 20.29 2. Other Banks have been verified
from the books
3. Sundry Debtors 0.00 3. Sundry Creditors 08.72
 The Shares relate to
(Recoverable) financially sound
companies and have
4. Investment in allied 4. Investment by been verified
firms allied firms
 Immovable Property
5. Shares (Valued at the 5. Borrowing No. _______________
Market Value) against and other individual
assets (Shares,
immovable
Surrender value of
properties Policies) Of Common
partners aggregating
(I.P. No.______) to Rs. ____________ are
also included in the
6. Security Deposits & 6. Taxation CR No._________ As at
Other Deposits Liabilities _____________ of
BO______________ on
7. Surrender Value of 7. Deposits from M/s.____________
Life Policies relatives/friends

8. Machinery at 0.33 8. Other Liabilities  In case of partner-ship


depreciated value firm net means should
embedded to ground (Give details) 0.76 consist of aggregate
Assets/ Liabilities of
& unencumbered all partners.

9. Immovable properties 9.
as per item No. X (out
of which property
worth
Rs._____________ is
self occupied for
residential purpose.

10. Other assets: 0.49 10.

[Valued at
depreciated cost &
unencumbered (Give
details)]

Total 21.22 Total 9.48

Less Liability 9.48

Net Means 11.74

Increase/Decrease in the means is due to _____________________________________

(Give reasons)

VIII. Reports

1. Market Reports 1._______________________________________________


2. ______________________________________________

2. Banker’s Report 1._______________________________________________


2. _______________________________________________

(Above Reports must be submitted afresh at the time of renewal/review of CR)

IX. (a) Remarks (Please State the purpose of

The C.R. The limits proposed/sanctioned by us and other Banks)

(b) In case of Guarantors, please furnish:

(i) Name of the borrowing concern/concerns ____PUNAM JHA_________

(ii) No. of Shares held ______________________________________________

(iii) Value of Shares held _______ (Valued at Market Value))


(Separate shareholdings should be given in case a person is guarantor in more than
one concern)
X. Details of immovable Properties (Fill up all columns, do not put dot)

S. Descripti Owner Purchase @Documents Whether Whether free Self


No. on of the Price/ from which from occupi
Property Name market Owner- Spot verification encumbranc ed
House value/Dis done es? /rente
No./ $ tress Sale ship Verified d
Locality Value/ Name/De Date of If yes basis
Khasra Guideline signation Spot thereof
No. in Value * of verificati
case of Officer/ on #
Agricultu staff who
ralLand conduced
Spot
City/Stat Verificati
e on

(1) (2) (3) (4) (5) (6) (7) (8)

$ Also specify father’s name/husband’s name

* 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).

# Specify from which of following sources/documents Proof of non-encumbrances of IP’s has


been verified:

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).

Note: None of the Columns under X above should be left blank

XI. Previous CR date ___________ means as at _____________

Immovable properties _____________________

Movable assets, including investment in allied firm _____________________

Investment in allied firm/s _____________________

Less: Liabilities including investment in allied firm ______________________


Net Means _____________________

Prepared By Manager/Incumbent In-charge

Name: ____________________ Name: _______________________

Designation ______________ Designation _________________

GBPA/Specific P.A. No. / PF No: _______ GBPA/ PF No________________

Place:

Date:

Note: In case of insufficient space, please attach separate Sheet

PNB 282 B (Revised)


ANNEXURE III

PUNJAB NATIONAL BANK


BO: Saharsa-1104 Circle Office: Darbhanga

CONFIDENTIAL REPORT FOR BORROWERS/GUARANTORS/

INDIVIDUALS (OTHER THAN PERSONAL SEGMENT SCHEMES)/

SOLE PROPRIETORSHIP FIRMS/PARTNERSHIP FIRMS/HUF

Supersedes Confidential Report No.________________ Date ____/_____/20

I. (a) Name:_SASHI SEKHER _____________ (b) Index No. _________ Date ________

(c) Address____ Dhramsala Road , PO+DIST - SAHARSA - 852201 [BIHAR]_______

Estd. _____________________________

(d) Business – Medicines (e) Reconstituted __________________

(f) Head Office _______________________ Estd. _______________________

II. Branch Firms _____________________ Estd. _________________________

III. Associate/Allied Firms Estd. ___________________________

(a) Enjoying facilities with us _______________________________________

_________________________________________________________________

(Give particulars of CR & fill column No. 3 under Remarks) **


(b)Enjoying facilities with other Banks ________________________________

IV. Constitution: Individual/Sole Proprietorship/Partnership/HUF

Details regarding Individual/Sole Proprietor/Partner) s)/Karta/Co-Parcener

8. Name : Sashi Sekher


9. Address : Dahremsala Road, PO+DIST - SAHARSA - 852201 [BIHAR]
10. Date of birth :
11. PAN/Aadhar No. :
12. Telephone /Mobile No. : 8603334846
Residential : do

Office :

13. Voter ID Card No. :


14. E-mail address :
15. A/c with Bank, if any :P.N.B A/C NO-1104008700001730

V. Details of past Dealings _____________________________________________

VI. Reputation of borrowers/guarantors ___________Normal_____________________

VII. Net Means as on ____________________


(Consolidated in Case of Concern having Branch Office) (Rs. in Lac)

ASSETS Rs. LIABILITIES Rs. REMARKS

1. Cash in hand/Bank 1.50 1. Dues to us  Certified that the


assets and liabilities
2. Stocks 25.00 2. Other Banks have been verified
from the books
3. Sundry Debtors 4.00 3. Sundry Creditors 7.00
 The Shares relate to
(Recoverable) financially sound
companies and have
4. Investment in allied 4. Investment by been verified
firms allied firms
 Immovable Property
5. Shares (Valued at the 5. Borrowing No. _______________
Market Value) against and other individual
assets (Shares,
immovable
Surrender value of
properties Policies) Of Common
partners aggregating
(I.P. No.______) to Rs. ____________ are
also included in the
6. Security Deposits & 6. Taxation CR No._________ As at
Other Deposits Liabilities _____________ of
BO______________ on
7. Surrender Value of 7. Deposits from M/s.____________
Life Policies relatives/friends

8. Machinery at 1.35 8. Other Liabilities 1.23  In case of partner-ship


depreciated value firm net means should
embedded to ground (Give details) consist of aggregate
Assets/ Liabilities of
& unencumbered
all partners.
9. Immovable properties 9.
as per item No. X (out
of which property
worth
Rs._____________ is
self occupied for
residential purpose.

10. Other assets: 10.

[Valued at depreciated
cost & unencumbered
(Give details)]

Total 31.35 Total 8.23

Less Liability 8.23

Net Means 23.12


Increase/Decrease in the means is due to _____________________________________

(Give reasons)

VIII. Reports

3. Market Reports 1._______________________________________________


2. ______________________________________________

4. Banker’s Report 1._______________________________________________


2. _______________________________________________

(Above Reports must be submitted afresh at the time of renewal/review of CR)

IX. (a) Remarks (Please State the purpose of

The C.R. The limits proposed/sanctioned by us and other Banks)

(b) In case of Guarantors, please furnish:

(i) Name of the borrowing concern/concerns __Sashi kumar______________

(ii) No. of Shares held ______________________________________________

(iii) Value of Shares held _______ (Valued at Market Value))

(Separate shareholdings should be given in case a person is guarantor in more than


one concern)

X. Details of immovable Properties (Fill up all columns, do not put dot)

S. Descripti Owner Purchase @Documents Whether Whether free Self


No. on of the Price/ from which from occupi
Property Name market Owner- Spot verification encumbranc ed
House value/Dis done es? /rente
No./ $ tress Sale ship Verified d
Locality Value/ Name/De Date of If yes basis
Khasra Guideline signation Spot thereof
No. in Value * of verificati
case of Officer/ on #
Agricultu staff who
ralLand conduced
Spot
City/Stat Verificati
e on

(1) (2) (3) (4) (5) (6) (7) (8)


$ Also specify father’s name/husband’s name

* 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).

# Specify from which of following sources/documents Proof of non-encumbrances of IP’s has


been verified:
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).

Note: None of the Columns under X above should be left blank

XI. Previous CR date ___________ means as at _____________

Immovable properties _____________________

Movable assets, including investment in allied firm _____________________

Investment in allied firm/s _____________________

Less: Liabilities including investment in allied firm ______________________

Net Means _____________________

Prepared By Manager/Incumbent In-charge

Name: ____________________ Name: _______________________

Designation ______________ Designation _________________

GBPA/Specific P.A. No. / PF No: _______ GBPA/ PF No________________

Place:

Date:

Note: In case of insufficient space, please attach separate Sheet

PNB 282 B (Revised)

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