Personal Discussion Sheet

PD Details
App ID
Location
Name of the Applicant:
Name of Co-applicant
Loan Amount: Applicant is engaged in the business of Retail Trading of Gold Jewellery.
Type of Loan He deals in various types of jewelleries such as Necklace, Earrings,
(HL/LAP/CP): Bracelets, Bridal Sets, Chains, etc. As per him, he also deals in Silver made
HL - Self construction / jewelleries and Diamond Jewels. He majorly does gold made jewelleries
Builder Purchase/ Resale trading. As per applicant, he also provide gold loan to his clients. As per
Purchase / Land Purchase him, he also take order basis jewellery and he outsource the same and
only / Land purchase + pays them Rs. 100/- per gram basis for manufacturing and designing. As
Self Construction / Home per him, 10 to 12 customers daily visit his shop and daily counter is of Rs.
Renovation 50,000/- approx.

LAP - Construction of
property / for Business As per him, he has 1 fixed client in his business that he pays monthly
Use / for Personal Use / salary of Rs.15,000/- approx.
Others (detailed).
Date of PD: 12/01/2019
NA AN
Visiting Address
(Address where PD
Conducted): NA
GPS Co-ordinates NA
Address Type (Residence/
Office/ Shop/ Factory/
Others) Residential Premise
Customer Contact no: NA
Agency/Credit Manager
Name: NA

Profile:
ABOUT THE BORROWERS :

Mr. NA proprietor of MNAsince last 20 years approx. He has around 30 years of work experience in
the same line of business. He has studies 12th Standard from Mumbai. (This business is parental
started by his father, Prior applicant working with his in same business)
Family Background

Name Relation Age Education Occupation

NA NA AN AN Housewife
NA An Na Nna Studying
An Na Na N Studying
AN Father N Graduate Retired
4 Members
NO. OF DEPENDENTS

GENERAL
LIFESTYLE/PERSONALITY Below Average/ Medium/ Above Average
(Below Average/ Medium/
Above Average)

OTHER REMARKS

Name of Business
Concern A
Constitution
(Proprietorship /
Partnership / Pvt Ltd Co. /
Ltd Co./ LLP) Proprietorship Concern (Registered in applicant’s father name.)

Name of Promoters /
Partners/ Shareholders &
their Share of Profit
(where Multiple
Promoters) NA

Vintage of Business (no. of

years since business is Since last 43 years approx. (Parental Business)
running)
Is business run by
promoters or other person No
Nature and Line of He resides AN by applicant’s father and applicant take over since last 20
Business: years approx. (Purchased details not shared)

Applicant is engaged in the business of Pesticides and House Keeping.

He provides services like housekeeping, pesticides to his fixed and
individual clients. As per applicant, he has few fixed companies that he
provides these facilities. As per applicant, he operates at his fixed
companies commercial premises and also operates at company’s staff’s
 residential premises as mention in company’s contract agreement. As per
applicant, he has tie-up M/s. Mahindra and Mahindra, M/s. RBI, M/s.
Elf Lubricon, M/s. New Insurance, etc. He also operates at his refers
individual clients and commercial premises.

Note: As per applicant he has 200 employees, those employees work

for his tie-up companies on applicant’s payroll basis. As per applicant,
he gets around 20 Lakhs every month as salary of 200 employees from
his tie-up companies.

His operating timing is from 11:00 AM to 8:00 PM with weekly off on

Sunday.

As per applicant, he has 10 machines for cleaning purpose having current

market value of Rs. 3 Lakhs approx.

As per applicant, his annual turnover is of Rs. 2.5 Cr to Rs. 3 Cr approx

and net profit margin of 6% to 8% approx.
 Business Set-up Seen- Yes/ No (Separately demarcated at his
residential premise )
Comments on Business  Business activity Seen – Yes / No
Activity by Agency /  Stock Maintained – Yes / No –
Credit Manager :  Employees Seen – Yes / No – 5 Employees were Seen
(Select Yes / No & specify  Customers Seen – Yes / No –
details where required)  Machine & Equipments Seen – Yes / No
 Name Board Seen – Yes/ No – specify the form (Board/ Printout/
Banner/ Painted/ Other)
 Aadhar Card NA
 He provided contract agreement of House Keeping with M/s.
Mahindra & Mahindra Ltd. (Agreement was expire few months
ago, as per applicant; he is initiated for new agreement.)
Documentary Check  He provides bank statements for verification and business
transactions are reflecting.
 ITR AY MA filed as on 26.09.2018.
 ITR AY 201ans
Sales / Customers:
List of Major Customer As per applicant, he has fixed and refers customer in his business. His
and Suppliers: receipts transaction 100% on cheque/NEFT basis. He provides 1 month
as credit facility his fixed customers to regular customers he does not
provide any credit.
Sr. Name of customers Location Contact no.
No
1 NP NP
 2 M/s. scs NP NP
3 ad NP NP

Purchase / Suppliers:
As per applicant, he purchases all his material and chemical from his
fixed suppliers. His payment transactions are 100% on cheque/NEFT
basis. He gets 30 days as credit facility from his suppliers.
Sr. Name of supplier Location Contact no.
No
1 NA NA NA

Financial Details:
Asset Details:
Assets Location of Property/ Asset Loan Expected
type Description Owned running if market
By any value
(Rs. in
lakhs)
He resides and operates
his business from owned
residential premise
located NA This premise
is in the name of
applicant. Operating
from this premise since
1975 by applicant’s
father and applicant take
over since last 20 years
approx. (Purchased Applica Rs. 2 Cr
Property details not shared) nt No approx.

He has owned
residential premise
located NA Rs. 60 Lakhs
approx. This premise is
in the name of applicant.
Currently this premise is
vacant. (Purchase details
Residenti not shared and this Rs. 60
al premise is secured Applica Lakhs
Premise against HL obligation. nt Yes approx.
Gold None
 He has 1 car & 2 bikes Applica
Vehicles for personal use. nt
FD/NSC
/
KVP/PP
F None
Shares/
MF
Insurance None
Policies
Other None
Bank Name Type Account Branch Years
Banking Details (Details Since last
of & bank account of SBI Bank Current Account Kandivali 30 years
applicant / co-applicant) Saraswat Since last
Bank Current Account Borivali 30 years
Bank Name Type of Sanction EMI Paid Balance
Loan amt Tenor
Loan Details NA A NA Naq A
Anqs Snq Nd Nas NP

BUDGET ANALYSIS

SR. NO. PARTICULARS AMOUNT

Rs. 2 Lakhs approx
1 Total Monthly Net Income
Rs. 25,000/- approx
2 Overall Family expenses per month
Rs. 1,02,000/- approx
3 Existing Loan EMI’s
Rs. 1,27,000/- approx
4 Total Monthly Expenses (2+3)
Rs. 73,000/- approx
5 NET SURPLUS (1-4)
As per bank
AFFORDABLE EMI (as per borrower)
Collateral & End Use of Funds
Details of Collateral /
Property to be mortgaged: Security Offered: He offers his residential premise as collateral
(Select from options security for this loan.
provided & specify details
where required) NA
 He wants LAP of Rs. 80 Lakhs for the purpose of settle all his existing
End Use of Loan Funds: loans and rest amount he wants to keep for future government tender
security.
Sr. Individual / Business Name Knowin Feedback
No. g Since
Since
last 7
Third Party Check 1 Security Guard years. Positive
Since
last 15
years
2 Neighbor approx Positive
 Business cum residential set-up and activity was seen.
 Business name board was not seen.
 Interior & Exterior Premise was good.
 Visited Premise located at residential area of Borivali (W).
 At the Time of visit Business cum residential Set up, Employees,
family members, activity etc. was seen.
 He provided Aadhar card, PAN Card, ITR’s, Shop Act License,
Bank Statements, Contract agreement with clients, etc. for
Major Observations / verification.
Comments / Concerns  Visiting Card Provided
during PD:  He did not provide GSTIN & GST returns, Purchase bills,
employee’s payments receipts, etc. for verification.
 His receipts transaction 100% on cheque basis
 He has 2 Loan obligations in his name.
 All the information was provided by applicant at initiated
address.

 TPC was done with Security Guard and neighbors got positive
response about applicant and his business.
PD Status
(Select from options
Positive (On the basis Business set up, activity, Documents and TPC)
provided & specify details
where required)
Remarks Business proprietorship is registered in the name of applicant’s father.

Name of the Agency Executive: sd