Loan Note

Pune People's Co-op. Bank Ltd., Pune Office Note Branch : Chinchwad Type of facility : Date : 01.03.
2012 Category: Priority (Non CRE) Name of Scheme : Trade Finance for Working Capital & T/L (All figures in Lakhs) 1. Name of Applicant / Firm :Dr. Mrs. Jayashree Rahul Padole Annual Income Rs. Capital Rs. 4.90 Financial Year 4.84 Financial Year 2010-11 2010-11 Annual Income Rs. 4.90
2. Names of the Proprietor/Partners/Directors/Trustees:N.A.
3. Residential Address :
E-503, West End Village, Right Bhusari Colony, Kothrud, Pune- 29. E-503, West End Village, Right Bhusari Colony, Kothrud, Pune- 29. Office Mobile9922008259
4. Business Address :
5.Contact Numbers: Resi
6.Whether the business place is Rental or Owned: (Enclose the documentary proof for above)
Owned ( Residence in the name of husband)
7. Nature of Activity: 8.Constitution : 9. Registrations: 10. Shareholder No: 11. Account Since :
Practice- M.D. (Ayurved) Individual I / 44004 - A - 1 Applied 17.01.2012 Share Amount Rs. 1000/-
Sr.N o. A/c No.
Type
Account Current Balance Since 1000/17.01.12
11139 SB
Details of Deposits: Applicant along with family members. Sr.N o. A/c Principal Amt Maturity Amt Due Date
Type
Name N.A.
12. Demand: Term Loan / Cash Credit : Rs. 13. Fresh/Renewal: 14. Purpose of Loan : 15. Primary Security: Particulars Fresh
15.00 Due Date , if Renewal:
Purchase of Office (Clinic)
Value of Security
Cost of Property - Details given below "DSK Ranwara", Vishal Bldg No.23, Shop. No.103, Bawdhan Kd., Pune. Valuation by Mr. Harshad Ruparel Total Security 16.Collateral Security: N.A. Dated 23.02.2012
27.83
27.83
17.Legal Opinion: (if Property) Name of Advocate:
Yes Adv. C.V. Choughule
Dtd
Advised to do following compliance before execution of mortgaged deed. 1 NOC from Society to mortgage the property- Already obtained from the society. 2 Original Transfer/ Assidnment Deed after execution between Dr. S.N.Gupta/ R.P.Gupta and the borrower. 3 Share Certificate- Not issued to any member of the society and Society has agreed to registered on the record 4 Original Agreement Dtd. 03.05.2000 18. Background :
Mrs. Jayashree Padole is our new customer. She is doctor (M.D.- Ayurved) by profession. She has completed her studies in 2006 from R.T.M. Nagpur University. she had started her carrier as junior assistant doctor. She had started her own practice in her own residence at Kothrud, Pune. Now she wants to purchase a property for her own clinic. She made an agreement with Dr. Gupta for the property, who was running her dispencery in the same premises. The clinic is fully furnished as per needs of a doctor. 19. Exposure Limit: Individual / Group : Type of Facility Name N.A. Sanc. Limit Balance OverDue O/S dues Date 0.00 0.00 0.00
20. Details of Repayment of Earlier/Existing Loan ( Detailed explanation whether the installments are paid regularly each month or in lumpsum.) 21.Turnover in account : (CC/ Current) Period Max. Debit Interest Recd.
N.A.
Min Debit Turnover
Utilization
N.A. If Turnover is less than 75 % of sales , reason Latest Sale Purchase figures Period From To Sales N.A.
Purchases
22. Details of accounts in other Banks / Financial Institutions: O/s as per Bal Account Type Bank Branch A/c No. Sheet 200406 S.B.I Paud Road, 2 9918 SB Pune (Statements to be enclosed in case of loan accounts) 23. Quantum of Finance: Amt. Rs 20.00 Cost/Value/Total Requirement as per Agreement ( Agreement Value- Rs.20.00 + Stamp Duty- Rs. 1.08 ) Valuation Less Margin as per our Policy 25% of Agreement Value Permissible Finance Demand
NOC of concerned Bank taken or not Not taken
21.08 27.83 5.27 15.78 15.00
Drawing Power (in case of Working Capital) Excel Sheet Drawing Power 1. As per Operating Cycle : Rs. 2. As per Nayak Committee:Rs. 24. Visit Report Enclosed : Yes 25. Insurance of Security: Nature of Security N.A.
N.A.
N.A N.A.
Amount Due Date
26. Financial Analysis: As per separate Sheet enclosed. 27. DSCR Calculation: (in case of Term Loan) (Excel Sheet) N.A. Particulars 2009 2010 2011 31.12.2011 Net Profit After Tax 0.00 0.00 3.46 3.57 Depreciation 0.00 0.00 0.07 0.04 Interest on Capital 0.00 0.00 0.00 0.00 Salary to Partners/Directors 0.00 0.00 0.00 0.00 Interest on Loan 0.00 0.00 0.00 0.00 Cash Accurals(A) 0.00 0.00 3.53 3.61 Existing Repayment 0.00 0.00 0.00 0.00 Proposed Repayment 0.00 0.00 3.32 3.32 Total Repayment (B) 0.00 0.00 3.32 3.32 DSCR (A/B) 28.Guarantors Name Address Occupation E-503, West End Village, Right Bhusari Service- Wipro Colony, Pune. Technologies Parijatban, "c" Bldg, Fl. No.23, Sudarshannaga r, Chinchwad, Business- M/s Geetai Pune. Car Gas Agency Age Year Income 1.06 1.09
Mr. Rahul Ramesh Padole
34 Yrs.
9.60
Mr. Manish Nandkumar Junnarkar 29. Guarantors Liability Type of Facility
28 Yrs.
2.72
Name N.A.
Sanc. Limit
Balance OverDue O/S dues Date 0.00 0.00 0.00
Total 30. Queries in Audit Reports :
0.00 N.A.
0.00
0.00
31. Comments on Management and Integrity: Mrs. Jayashree Padole, herself a doctor by profession. She is having sufficient experience in her working area. she had worked as assistant doctor in the past and she is going to open her own clinic in her own property. she will herself work in her clinic. 32. Comments on Technology: Mrs. Padole is purchasing well furnished property which is useful for a new doctor to start clinic from Dr. Gupta, who was running her clinic in the same property. Dr. Padole willing to start Kerala Therapy and steam bath, massage at the same place and she is going purchase concern equipments. 33. Comments on Product & Marketing: Dr. Padole is no need to do hard work for marketing because the area where she is going to open a clinic is higher middle class residential area. A mere advertising should help her to grow her practice. 34.Branch Recommendations with Justification in short : Facility Term Loan Purpose To purchase a commercial property for start a clinic. Limit 15.00 Lacs Interest Rate 13.50% P.A. Margin % 25 Security "DSK Ranwara", Vishal Bldg No.23, Shop. No.103, Bawdhan Kd., Pune. Period 84 Months EMI 27,700/- p.m. Subject To: 1 Share linking as per Banks norms (@ 1% of loan amount 2 Loan will be disbursed directly to Dr. Soubhagya Gupta and Ritu P. Gupta Registered simple mortgage of property in consultation with Banks advocate 3 4 Compliance mentioned in Title search Report and Legal Opinion is to be complied with Before execution of mortgage deed. All original papers of property is to be kept on record. 5 6 Insurance of the property with Bank Clause. 7 Deed of Assignment or Sale Deed should be registered 8 Post Dated Cheques to be taken I hereby confirm that all the KYC Documents of applicant(Partners/Directors/Trustees) and guarantors are Taken on record and verified from original.
Officer/Clerk.
Branch Manager.
Head Office Queries:(if any) Head Office Remarks Compliance / Comments by Branch
Head Office Recommendations:
( No separate comments required if Head Office agrees with Branch Manager Recommendations) Subject To:
Section Head/AGM/DGM.
General Manager.
te : 01.03.2012 tegory: Priority
l figures in Lakhs)
nual Income
Remark
N.A.
18.02.2012
_______ and has
P.Gupta and the
eed to registered on
ractice in her
ispencery in
EMI
Security 27.83
ncerned Bank taken or not Not taken
Lacs Lacs Lacs Lacs Lacs
Capital
7.36
EMI
Security
ence in her working area. c in her own property.
start clinic from Kerala Therapy
oing to open a clinic is
26. Financial Analysis : Manufacturing / Trading & Profit and Loss Account:
Particulars Years 2009 2010 2011
1 Sales/Receipts 2 Opening Stock
5.91
3 Purchases- Medicines 4 Power & Fuel & Electricity 5 Direct Labour(Wages) 6 Travelling Expenses 7 Other Direct Expenses 8 Sub Total 9 Closing Stock 10 Gross profit 11 Salaries & wages 12 Administrative & selling Expenses 13 Interest on Unsecured Loans 14 Other Expenses 15 Depreciation 16 Interest on Capital to Partners/Directors 17 Salaries to Directors & Partners 18 Interest on Bank Loan & CC 19 Sub Total 20 Other Income if any 21 Net Profit Before Tax 22 Provision for Tax 23 Net Profit after Tax 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
1.49
0.10 0.06 1.65 0.00 0.00 0.38
0.12 0.08
0.58 1.22 0.64 0.00 0.64
ANALYSIS OF BALANCE SHEET - LIABILITIES
LIABILITIES Current Liabilities 24 Cash Credit 25 Sundry Creditors (Trade) 26 Advance Payment from Customers 27 Net Provision for Taxation 28 Dividend Payable 29 Other Statutory Liab. (Due within one Year) 30 Installments of term Loan within one year (Our Bank) 31 Other Current Liabilities & Provisions (due with in 1 yr) 32 TOTAL CURRENT LIABILITIES TERM LIABILITIES 33 Term Loan from our Bank(Less one Year Instalments) 34 Term Loan from Other Banks. 35 Other term Liabilities 36 Unsecured loans 37 TOTAL TERM LIABILITIES 38 TOTAL OF OUTSIDE LIABILITIES NET WORTH 39 Share Capital 40 Unsecured loan (Quasi Equity) 41 General Reserve 42 Profit / Loss 4.84 0.00 0.00 4.90 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
43 NET WORTH 44 TOTAL LIABILITIES (18+24)
0.00 0.00
0.00 0.00
9.74 9.74
ANALYSIS OF BALANCE SHEET Continued - ASSETS ASSETS
45 Current Assets 46 Cash & Bank Balances 47 Fixed Deposits with Banks 48 Stock 49 Trade Debtors & Receivable 50 Advances 51 Net Advance Payment of Taxes 52 Other Current Assets 53 TOTAL CURRENT ASSETS 0.00 0.00 3.42 1.52 0.00 0.00 0.18 1.72
FIXED ASSETS 54 Land , Building , Machinery etc. OTHER NON CURRENT ASSETS 55 a. Investments in Subsidiary companies/affiliates 56 b. Investment in Others 57 e. Other Non-current Assets 58 TOTAL OTHER NON CURRENT ASSETS 59 TOTAL ASSETS 0.00 0.00 0.00 0.00 0.00 4.84 1.42
Ratio Analysis Current Ratio (53/32) #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 0 11 0 0 11 7
Debt/Equity (43/(37+24)) Stock Turnover - Days (9/(1-10))*365 Debtors Turnover - Days (49/1)*365
Creditors Turnover - Days (25/3)*365 Gross Profit/Sales % Net Profit/Sales % Returns on Capital % Rise/Fall in Sales % Rise/Fall in Purchases %
31.12.11
4.82
1.33 0.00 0.00 0.10 0.45 1.88 0.00 0.00 0.28
0.12 0.04
0.44 1.43 0.99 0.17 0.82
0.00
0.00 0.00
4.11
3.75
7.86 7.86
0.91
0.22 1.60
2.73
1.38
0.00 4.11
#DIV/0! #DIV/0! 0 17 0 0 17 10
Pune People's Co-op. Bank Ltd., Pune Office Note Branch : Chinchwad Recd at Branch : HO Inward No: Type of facility : Demand Amt Rs. Term Loan Cash Credit Category: Priority Name of Scheme : 1. Name of Applicant / Firm : Annual Income Rs. Capital Rs. Trade Finance for Working Capital (All figures in Lakhs) Shree Nagai Enterprises 15.32 Financial Year 14.98 Financial Year 2011 2011 Annual Income Rs. 15.32 17.01.12 Date : Sent to HO: 15.03.12
New
Renewal 9.5
Enhancement 0.5
Total 10.00
2. Names of the Proprietor/Partners/Directors/Trustees: 1 Mr. Rajendra Shankar Choudhari
3. Residential Address : 4. Business Address : 5.Contact Numbers: Resi
Rajprabha Bunglow, S.No. 75/1/1, Ahernagar, Chinchwad, Pune 33 Basement Shop No. 3, Shantiban Society, Chinchwad, Pune 33 Office Mobile
9271591330, 982240463
6.Whether the business place is Rental or Owned: (Enclose the documentary proof for above) 7. Nature of Activity:
Rented Rent Agreement is enclosed
Dealer for Exide Battery (Industrial Division) and Authorized Distributor for Luminous Inverters & UPS Proprietorship Chinchwad/II/28336 valid upto 31/12/13 28629 Share Amount Rs. 0.95
8.Constitution : 9. Registrations: 10. Shareholder No:
Required Share Amt: 11. Account Since : Sr.N o. A/c No. Type 1 1483 CA 2 11087 SB
0.10
Shortfall if any:
0.05
Current Balance 0.04 0.01
Account Since 04.11.09 16.11.11
Details of Deposits: Applicant along with family members. Sr.N o. A/c Type 1 10914 SB Principal Maturity Amt Amt Due Date 0.01 N.A.
Name Mrs. Prabhavati R. Choudhari 10.00
12. Demand: Cash Credit : Rs. 13. Fresh/Renewal: 14. Purpose of Loan : 15. Primary Security: Particulars Renewal
Due Date , if Renewal:
Trade Finance for Working Capital
Value of Security 42.65 42.65
Stock Add Debtors Less Creditors (As on date 28.02.12) Total Security 16.Collateral Security: Particulars LIC Policies Surrender Value As on 30.12.10 Total Security 17.Legal Opinion: (if Property) Name of Advocate: N.A. N.A. N.A. Yes/No
Value of Security 0.75 0.75 Dtd
Conditions in Legal Report and its compliance:
18. Background : Mr. Rajendra Choudhari is a dealer for Exide Battery (Industrial Division) and is also authorized distributor for Luminous Inverters & UPS. He is running the business in the name of Shree Nagai Enterprises since Jan. 2008. The shop is on rental basis. The agreement is valid upto 31/03/13. The main supply is to industrial units in PCMC area upto Lonawala, Chakan & Kirkee. He has Current A/c No. 1483 with us since 04/11/09 & C/C account since 03/01/11. Transactions of the account are good. There is
a single inward cheque return in the account. 19. Exposure Limit: Individual / Group : Type of Name Facility CCS 222 Shree Nagai Enterprises
Sanc. Balance OverDue Limit O/S dues Date 9.50 3.80 3.80 03.01.12 9.50 3.80 3.80 N.A.
20. Details of Repayment of Earlier/Existing Loan ( Detailed explanation whether the installments are paid regularly each month or in lumpsum.) 21.Turnover in account : (CC/ Current) Period For 01.04.10 - 02.01.11 For 03.01.11 - 31.03.11 For 01.04.11 - 28.02.12 Max. Debit 0.19 8.97 10.31 Interest Turnover Recd. Utilization 214.45 Cr. Bal. CA A/c 54.48 0.17 52% 261.25 0.00 43%
Min Debit 13.85 0.11 0.07
If Turnover is less than 75 % of sales , reason Latest Sale Purchase figures Period From To Sales From 01.04.11 - 28.02.12 217.00
Purchases 201.65
22. Details of accounts in other Banks / Financial Institutions: Account O/s as per Bal Type Bank Branch A/c No. Sheet Audyogik Vikas Patpedhi Akurdi 1134 4.63 Term Loan
NOC of concerned Bank taken or not Not Taken
(Statements to be enclosed in case of loan accounts) 23. Quantum of Finance: Amt. Rs N.A.
Drawing Power (in case of Working Capital) Excel Sheet Particulars Mar. 11 Dec. 11 Jan. 12 Feb.12 Stock Less Creditors Sub Total Add Debtors Sub Total Less 50% Margin 32.15 17.89 14.26 13.75 28.01 14.01 19.21 9.10 10.11 19.48 29.59 14.80 29.05 10.52 18.53 20.56 39.09 19.55 33.39 6.50 26.89 15.76 42.65 21.33
Drawing Power Average D.P.
14.01
14.80
19.55 18.56
21.33
Drawing Power 1. As per Operating Cycle : Rs. 2. As per Nayak Committee:Rs. 24. Visit Report Enclosed : Yes 25. Insurance of Security: Nature of Security Royal Sundaram / No
56.92
Amount Due Date 22.00 21.03.12
26. Financial Analysis: As per separate Sheet enclosed. 27. DSCR Calculation: (in case of Term Loan) (Excel Sheet) 28.Guarantors Name Address Occupation Catering Age 37 38 Year Income 5.30 N.A.
Ashirwad Dhiraj Apts, Mrs. Vandana Sitaram Pandit Chinchwad, Pune
32/4, Vastu Udyog, Nulife Mr. Kishor Vasantrao Pagar Nehrunagar, Pimpri Pharmaceuticals Mr. Pagar - Jan. Salary - Gross Salary 18000.00 & Net Salary Rs. 16345.00 29. Guarantors Liability Type of Facility
Name
Sanc. Limit
Balance O/S
Overdues
Due Date
MS 257
CCS 191 6.50 4.00 0.00 29.06.12 Total 11.15 8.33 0.00 Mrs. Pandit is a guarantor to above mentioned cash credit of Shree Nagai Enterprises 30. Queries in Audit Reports : Nil
Mr. Choudhari is Guarantor to Mr. Kashinath Jagtap for vehicle loan Mr. Choudhari is Guarantor to Atul Enterprises - Mr. Atul Kankariya
4.65
4.33
0.00 20.05.18
31. Comments on Management and Integrity: Mr. Choudhari is in this field since last 4 years. All business is monitored by Mr. Choudhari & his wife also help him to look after the business. 32. Comments on Technology: 33. Comments on Product & Marketing: N.A.
Mr. Choudhari is an authorized dealer for Exide & Luminous
Therefore his advertisement is made by the company on its site as an authorized dealer. He also distributes pamphlets through new paper in the season. He personally visit to various clients for the business & he also supplying batteries in rural area where there is power problem. 34.Branch Recommendations with Justification in short : Facility Cash Credit Purpose Trade Finance for Working Capital Limit 10.00 Lacs Interest Rate 13.50% P.A. Margin % 50% Security Stock & Debtors Period 15 Months EMI N.A. Subject To: 1 Share linking as per Banks norms (@ 1% of loan amount 2 Insurance of Stock with Bank Clause. 3 Bank's charge to be created on Stock & Debtors 4 Stock, debtors, creditors statements should be submitted before 10th of every month. 5 All the debtors to form security for CC limit. Debtors up to 90 days shall be considered for D.P. calculation & drawing in the A/c will be allowed as per available drawing power 6 Renewed Shop Act copy of Mrs. Pandit to be taken on record I hereby confirm that all the KYC Documents of applicant(Partners/Directors/Trustees) and guarantors are Taken on record and verified from original.
Branch Manager. Head Office Queries:(if any) Head Office Remarks Compliance / Comments by Branch
General Manager.
14.03.12 Sent to HO: 15.03.12
(Non CRE)
(All figures in Lakhs)
Annual Income
ad, Pune 33
9271591330, 9822404633
rized Distributor for
Remark
03.01.12
ndustrial Division) and s in the name of t is valid upto 31/03/13. He has Current A/c ccount are good. There is
EMI N.A.
Security Stock & Debtors
concerned Bank aken or not
Not Taken
Capital 14.74
EMI
Security Ford Figo Rs. 5.83 Stock & Debtors
0.08 N.A.
ce last 4 years. All
dealer for Exide & Luminous.
er. He also distributes he business & he also
idered for D.P.
Name of The Party: Shree Nagai Enterprises
1 Sales & Labour Charges 2 Opening Stock
18.95 0.00
110.08 6.14
284.61 11.46
3 Purchases 4 Power & Fuel & Electricity 5 Direct Labour(Wages) 6 Transportation/Octroi etc 7 Other Direct Expenses 8 Sub Total 9 Closing Stock 10 Gross profit 11 Salaries & wages 12 Administrative & selling Expenses 13 Interest on Unsecured Loans 14 Other Expenses 15 Depreciation 16 Interest on Capital to Partners/Directors 17 Salaries to Directors & Partners 18 Interest on Bank Loan & CC 19 Sub Total 20 Other Income if any 21 Net Profit Before Tax 22 Provision for Tax 23 Net Profit after Tax
22.30
104.33
280.57
0.10 0.08
0.87 0.73
0.39 1.72
22.48 0.16 2.61 0.37
105.93 11.46 9.47 0.88 0.28
282.68 32.15 22.63 3.23 0.77
0.26 0.05
2.02 0.22
3.07 0.10
0.03 0.71
0.65 4.05
0.63 7.80 0.49
1.90
5.42
15.32
1.90
5.42
15.32
In the financial 2008-09 Mr. Choudhari was not direct distributor of Exide & Luminous. Afterwards he becomes an authorized dealer & company allowed to sale all types of
batteries. Therefore there is an increase in sales as compared to 200-09. Name of The Party: Shree Nagai Enterprises
LIABILITIES Current Liabilities 24 Cash Credit 25 Sundry Creditors (Trade) 26 Advance Payment from Customers 27 Net Provision for Taxation 28 Dividend Payable 29 Other Statutory Liab. (Due within one Year) 30 Installments of term Loan within one year (Our Bank) 31 Other Current Liabilities & Provisions (due with in 1 yr) 32 TOTAL CURRENT LIABILITIES TERM LIABILITIES 33 Term Loan from our Bank(Less one Year Installments) 34 Term Loan from Other Banks. 35 Other term Liabilities 36 Unsecured loans 37 TOTAL TERM LIABILITIES 38 TOTAL OF OUTSIDE LIABILITIES NET WORTH 39 Share Capital 40 Unsecured loan (Quasi Equity) 41 General Reserve 42 Profit / Loss
2009
2010
2011
8.22 0.67 17.88
0.78
2.51 0.00 1.45 28.61
7.16
8.07
4.63
7.16 7.16
8.07 9.52
4.63 33.24
5.15
10.90
14.98
5.15 12.31
10.90 20.42
14.98 48.22
Name of The Party: Shree Nagai Enterprises
ANALYSIS OF BALANCE SHEET Continued - ASSETS ASSETS 45 Current Assets 46 Cash & Bank Balances 47 Fixed Deposits with Banks 48 Stock 49 Trade Debtors & Receivable 50 Advances to Suppliers 51 Net Advance Payment of Taxes 52 Other Current Assets 53 TOTAL CURRENT ASSETS 6.14 2.46 0.28 0.20 0.52 10.00 0.52 19.59 0.52 47.39 11.46 4.59 32.15 13.75 0.60 2.82 0.97 2009 2010 2011
FIXED ASSETS 54 Land , Building , Machinery etc. OTHER NON CURRENT ASSETS 55 a. Investments in Subsidiary companies/affiliates 56 b. Investment in Others (Shop Deposit) 57 e. Other Non-current Assets (Advances to Worker) 58 TOTAL OTHER NON CURRENT ASSETS 59 TOTAL ASSETS 2.00 2.31 12.31 0.50 20.42 0.50 0.50 0.10 0.60 48.22 0.31 0.33 0.23
Ratio Analysis Current Ratio (53/32) Debt/Equity ((37+24)/43) Stock Turnover - Days (9/(1-10))*365 Debtors Turnover - Days (49/1)*365 #DIV/0! 1.39 4 47 0 14 10 13.51 0.74 42 15 2 9 5 1.66 0.86 45 18 23 8 5
Creditors Turnover - Days (25/3)*365 Gross Profit/Sales % Net Profit/Sales %
Returns on Capital % Rise/Fall in Sales % Rise/Fall in Purchases %
37
50
102
Pune People's Co-op. Bank Ltd., Pune Office Note Branch : Chinchwad Recd at Branch : 29.02.12 HO Inward No : Type of facility : Demand Amt Rs. New Term Loan Cash Credit Category: Priority Trade Finance for Working Capital (All figures in Lakhs) 1. Name of Applicant / Firm : Annual Income Capital Net Profit Capital Rs. Rs. Rs. Rs. 3.25 9.32 3.37 11.98 Thapana Super Market Financial Year Financial Year Tent. Feb. Tent. Feb. 2011 2011 2012 2012 Date : Sent to HO: 13.03.12
Renewal 5.00
Enhancement 7.00
Total 12.00
Name of Scheme :
2. Names of the Proprietor/Partners/Directors/Trustees: 1 Mr. Nekaram Velaji Choudhari
Annual Income Rs. 3.25
Shop No. 2, Jaywant Bhoir Apartment, Ajinkyatara Chowk, Chinchwad, Pune 33 Shop No. 2, Jaywant Bhoir Apartment, Ajinkyatara Chowk, Chinchwad, Pune 33 Office Owned Mobile 9881040436
6.Whether the business place is Rental or Owned: (Enclose the documentary proof for above) 7. Nature of Activity: 8.Constitution : Provision & General Stores Proprietorship
9. Registrations: 10. Shareholder No: Required Share Amt: 11. Account Since : Sr.N o. A/c No. 1 1190 2 10833
Chinchwad/15065 valid upto 31/12/12 24337 0.19 Share Amount Rs. 0.165 Shortfall if any: 0.25
Type CA SB
Account Since 04.10.06 30.10.11
Details of Deposits: Applicant along with family members. Sr.N o. 1 Principal Maturity Amt Amt Due Date 0.01 N.A.
A/c 10837
Type SB
Name Mrs. Bhavaridevi N. Choudhari 12.00
12. Demand: Cash Credit : Rs. 13. Fresh/Renewal: 14. Purpose of Loan : 15. Primary Security: Particulars Renewal
Stock Add Debtors Less Creditors (As on date 28.02.12) Total Security 16.Collateral Security: Shop No. 2, Jaywant Chambers, C.S. No. 205,205/1 & 2, Chinchwad Valuation by Mr. Sandeep Tayade Dated 13.12.10 Total Security 17.Legal Opinion: (if Property) Name of Advocate: Yes Adv. Madanlal Chhajed
15.06 15.06 Dtd
Conditions in Legal Report and its compliance:

1 NOC from the M/s. Jaywant Builders for mortgaging the shop should be taken - NOC dtd. 04/12/10 received
18. Background : Mr. Nekaram Choudhari has provision and general stores in the name of Thapana Super Market since 11 years. Bank has given cash credit to him since 12/03/07. Transaction in the account are satisfactory. Interest is served regularly. Stock statements are submitted within time. Only four cheques are returned within a period of last 23 months. Now he wants to develop his business. Therefore he wants to keep variety of stock in the shop in bulk quantity therefore he has requested to enhance the cash credit. He has taken a mortgage loan of Rs. 7.00 Lacs. Installments of the same are regular. He is ready to create an additional charge of cash credit on his property 19. Exposure Limit: Individual / Group : Type of Facility CCS 179 MS 239 Name Sanc. Limit 5.00 7.00 12.00 Balance O/S 4.99 6.36 11.35 Overdues 4.99 0.00 4.99 Due Date 08.01.12 08.01.18
Thapana Super Market Thapana Super Market
20. Details of Repayment of Earlier/Existing Loan ( Detailed explanation whether the installments are paid regularly each month or in lumpsum.) Installments are repaid regularly each month. 21.Turnover in account : (CC/ Current) Period Max. Debit Min Debit For 01.04.10 - 31.03.11 5.05 0.03 For 01.04.11 - 28.02.12 5.05 4.16
Interest Turnover Recd. 23.55 0.47 14.23 0.62
Utilization 83% 99%
If Turnover is less than 75 % of sales , reason As the mainly sales are on cash basis turnover in the account is less as compared to sales. Latest Sale Purchase figures Period From To Sales For 01.04.11 - 28.02.12 38.53
Purchases 32.49
22. Details of accounts in other Banks / Financial Institutions: Account O/s as per Bal Type Bank Branch A/c No. Sheet Pimple 68006986 Bank of Maha. Saudagar 6716 SB 1089400 SBI Chinchwad 1182 SB Mookambika Finance Nigdi 1065/11 2.25 Loan
NOC of concerned Bank taken or not Not Taken Not Taken Not Taken
(Statements to be enclosed in case of loan accounts) 23. Quantum of Finance: Amt. Rs Drawing Power (in case of Working Capital) Excel Sheet Particulars Mar. 11 Dec. 11 Jan. 12 Feb. 12 Stock 9.32 8.21 8.96 8.76 Less Creditors 0.64 0.36 0.07 0.54 Sub Total 8.68 7.85 8.89 8.22 Add Debtors 0.64 3.02 4.26 1.25 Sub Total 9.32 10.87 13.15 9.47 Less 30% 2.80 3.26 3.95 2.84 Margin Drawing Power 6.52 7.61 9.21 6.63 7.81 Average D.P. Drawing Power 1. As per Operating Cycle : Rs. 2. As per Nayak Committee:Rs. 7.71 24. Visit Report Enclosed : Yes 25. Insurance of Security: Nature of Security Property Stock & Furniture, Fixtures / No
N.A.
Amount 15.06 6.5
Due Date 11.01.13 21.06.12
26. Financial Analysis: As per separate Sheet enclosed. 27. DSCR Calculation: (in case of Term Loan) (Excel Sheet) 28.Guarantors Address S.No. 114, Tuljabhavani Nagar, Mr. Mohanlal Nandaji Solanki Kalewadi Name Occupation Age Year Income N.A.
Mr. Autaram Mulaji Parmar
Ambika Traders Shree Saraswati 670 & 670/1, Golande Variety & Ladies Niwas, Chinchwad Corner
50
2.15
36
1.92
29. Guarantors Liability Type of Name Facility Ambika Traders Prop. CCS 184 Solanki Ambika Traders Prop. MS 106 Solanki
Sanc. Limit 3.50 5.00
Balance O/S 3.57 3.36
Overdues 0.00 0.00
Due Date 28.06.12 03.03.16
EMI
N.A. 0.09
MS 186
CCS 217 8.00 7.41 0.00 05.06.13 N.A. Total 16.85 14.49 0.00 Mr. Solanki & Mr. Parmar are guarantors to Mr. Nekaram Choudhari for above mentioned loan & cash credit 30. Queries in Audit Reports : Nil
Mr. M.N. Solanki Choudhari is guarantor to M/s. Ganesh Traders Prop. Kamala Parihar
0.35
0.15
0.00
13.05.13
0.01
31. Comments on Management and Integrity: 32. Comments on Technology: 33. Comments on Product & Marketing: N.A.
Mr. Nekaram Choudhari himself is looking after the busines
N.A.
34.Branch Recommendations with Justification in short : Facility Cash Credit Purpose Trade Finance for Working Capital Limit 10.00 Lacs Interest Rate 13.50% P.A. Margin % 30% Security Stock & Debtors Period 15 Months EMI N.A. Subject To: 1 Share linking as per Banks norms (@ 1% of loan amount 2 Registered simple mortgage (Additional Charge) of property in consultation with Banks advocate 3 Insurance of Stock & Property with Bank Clause. 4 Bank's charge to be created on Stock & Debtors 5 Stock, debtors, creditors statements should be submitted before 10th of every month. 6 All the debtors to form security for CC limit. Debtors up to 90 days shall be considered for D.P. calculation & drawing in the A/c will be allowed as per available drawing power I hereby confirm that all the KYC Documents of applicant(Partners/Directors/Trustees) and guarantors are Taken on record and verified from original.
General Manager.
12.03.12 Sent to HO: 13.03.12
(Non CRE)
Annual Income
wk, Chinchwad, Pune 33
wk, Chinchwad, Pune 33 9881040436
Remark
08.01.12
27.08.10
_______ and has
es in the name of Thapana saction in the account are Only four cheques are erefore he wants to keep cash credit. He has taken o create an additional
EMI
Security Stock & Debtors Shop 15.06
N.A. 0.13
Capital
10.64
10.28
Security
Stock & Debtors Property Rs. 7.20
Byke Rs. 0.45
Stock & Debtors
ned loan & cash credit
is looking after the business.
Banks advocate
idered for D.P.
Name of The Party: Thapana Super Market
29.46 4.96
32.46 5.63
33.76 5.82
26.02
28.01
31.32
0.16 0.10 26.28 5.63 3.84 0.54
0.25 0.07 28.33 5.82 4.32 0.46
0.28 0.09 31.69 8.51 4.85 0.37
1.18 0.05
0.96 0.04
0.82 0.11
0.24 2.01 0.08 1.91
0.31 1.77 0.13 2.68
0.51 1.81 0.21 3.25
1.91
2.68
3.25
LIABILITIES Current Liabilities 24 Cash Credit 25 Sundry Creditors (Trade) 26 Advance Payment from Customers 27 Net Provision for Taxation 28 Dividend Payable 29 Other Statutory Liab. (Due within one Year) 30 Installments of term Loan within one year (Our Bank) 31 Other Current Liabilities & Provisions (due with in 1 yr) 32 TOTAL CURRENT LIABILITIES TERM LIABILITIES 33 Term Loan from our Bank(Less one Year Instalments) 34 Term Loan from Other Banks. 35 Other term Liabilities 36 Unsecured loans 37 TOTAL TERM LIABILITIES 38 TOTAL OF OUTSIDE LIABILITIES NET WORTH 39 Share Capital 40 Unsecured loan (Quasi Equity) 41 General Reserve 42 Profit / Loss
2009
2010
2011
2.02 0.17
2.68 0.62
5.05 0.63
0.26 0.09 2.28 0.08 3.38 0.08 6.02
6.72 0.33 0.95
3.00 0.33 2.61 3.95 7.33
3.00 9.72 15.74
6.91
7.98
9.32
6.91 9.52
7.98 15.31
9.32 25.06
ANALYSIS OF BALANCE SHEET Continued - ASSETS ASSETS 45 Current Assets 46 Cash & Bank Balances 47 Fixed Deposits with Banks 48 Stock 49 Trade Debtors & Receivable 50 Advances to Suppliers 51 Net Advance Payment of Taxes 52 Other Current Assets (Loans & Advances) 53 TOTAL CURRENT ASSETS 8.63 7.32 7.00 17.27 0.33 0.70 5.63 1.97 0.10 0.95 5.82 0.45 8.51 0.64 1.12 2009 2010 2011
FIXED ASSETS 54 Land , Building , Machinery etc. OTHER NON CURRENT ASSETS 55 a. Investments in Subsidiary companies/affiliates 56 b. Investment in Others (Shares) 57 e. Other Non-current Assets (Room Deposit) 58 TOTAL OTHER NON CURRENT ASSETS 59 TOTAL ASSETS 0.03 0.30 0.89 9.52 0.03 0.30 0.33 15.31 0.27 25.06 0.27 0.56 7.66 7.52
Ratio Analysis Current Ratio (53/32) Debt/Equity ((37+24)/43) Stock Turnover - Days (9/(1-10))*365 Debtors Turnover - Days (49/1)*365 3.79 0.34 80 24 2 13 6 28 2.17 0.83 75 5 8 13 8 34 2.87 1.58 107 7 7 14 10 35
28.02.12
38.53 8.51
32.49
0.28 0.12 32.89 8.76 5.89 0.61
0.73 0.09
1.32 2.75 0.23 3.37
3.37
28.02.12
4.99 0.54
1.56 0.11 7.20
4.74 2.25
3.00 9.99 17.19
11.98
11.98 29.17
28.02.12
0.28
8.76 1.25
11.50 21.79
7.11
0.27
0.27 29.17
3.03 1.25 98 12 6 15 9 28
Pune People's Co-op. Bank Ltd., Pune Office Note Branch : Chinchwad Type of facility : Term Loan Date : Category: Priority (CRE) (All figures in Lakhs)
Name of Scheme : 1. Name of Applicant / Firm : Annual Income Capital
Home Loan Mr. Manish Amolak Dugad Rs. 6.56 Rs. 23.18 Financial Year Financial Year N.A.
2011 2011
2. Names of the Proprietor/Partners/Directors/Trustees: 3. Residential Address : 4. Business Address : 5.Contact Numbers: Resi
Kohinoor, 5, Ganesh Nagar, Opp. Lokmanya Hospital, Chinchwad, Pune 33 Shop No. 2 & 3, Uttam Market, Opp. Jayashree Theater, Chinchwad, Pune 19 Mrs. 7350136485 Office Owned Mobile
6.Whether the business place is Rental or Owned: (Enclose the documentary proof for above) 7. Nature of Activity: 8.Constitution : 9. Registrations: 10. Shareholder No: 11. Account Since : Sr.N o. A/c No. Type 1 11160 SB Account Since 09.02.12 Trading in cutting machine tools Individual
Sudarshan Technosales Pvt. Ltd. - No. 11-84662 of 1995 Mr. Dugad - Applied Share Amount Rs. 0.01
Current Balance 0.05
Details of Deposits: Applicant along with family members. Sr.N o. A/c Principal Maturity Amt Amt Due Date
Type
Name Nil 16.00
12. Demand: Term Loan : Rs. 13. Fresh/Renewal: 14. Purpose of Loan : 15. Primary Security: Particulars N.A.
To Purchase a Flat
Value of Security 22.00 30.74 22.00
Flat No. 1 & 1B, National Heights, CTS No. 418, Ganesh Peth, Pune As per Agreement Valuation by M/s. Bhoomi Consultants Dated 20.02.12 Total Security 16.Collateral Security: N.A. Yes Adv. C.V. Choughule
Dtd
Advised to do following compliance before execution of mortgaged deed. 1 NOC to mortgage the flats in favour of the Bank be taken from the Developer NOC not yet received as the agreement has not been executed. 2 Original Assignment / Transfer Deed to be executed by and between National Electronics and National Developers and Mr. Manish Amolakchand Dugad along with Index II and Registration Receipt 3 Original Agreement dtd. 31/12/98 - The original Assignment / Transfer Deed will be executed only after disbursement of loan. Branch will issue Bankers Cheque to M/s. National Electronics & National Developers only after receiving of original Assignment / Transfer Deed, Original Agreement dtd. 31/12/98 and registration of Mortgage Deed. 18. Background : Mr. Dugad is director in Sudarshan Technosales Pvt. Ltd having its office at Ganesh Nagar, Chinchwad, Pune 33. The firm is engaged in business of trading of cutting machine tools. Main supply is to Tata Motors, Endurance, Jaihind Industries etc and they are also in retail trading for the same. The company is having its branch offices at Chinchwad and Ganesh Peth, Pune. He is also consulting in mooshrum harvesting. He had taken a special training for the same. He has applied for a loan of Rs. 16.00 Lacs to purchase a flat at Ganesh Peth, Pune nearby his branch office of Sudarshan Technosales Pvt. Ltd. 19. Exposure Limit: Individual / Group :
Type of Facility
Name Nil
Sanc. Balance OverDue Limit O/S dues Date 0.00 0.00 0.00 N.A.
20. Details of Repayment of Earlier/Existing Loan ( Detailed explanation whether the installments are paid regularly each month or in lumpsum.) 21.Turnover in account : (CC/ Current) Latest Sale Purchase figures Period From To Sales From 01.04.11 - 31.01.12 N.A.
Purchases
N.A.
22. Details of accounts in other Banks / Financial Institutions: Account O/s as per Bal Type Bank Branch A/c No. Sheet Union Bank of 3220020 India Kasarwadi 10003228 SB Union Bank of 54130652 India Aundh 0000060 4.17 Loan (Statements to be enclosed in case of loan accounts) 23. Quantum of Finance: Amt. Rs Cost/Value/Total Requirement - Agreement Value Valuation Less Margin as per our Policy 20% of Agreement Value Permissible Finance Demand 16.00
NOC of concerned Bank taken or not C.R. dtd. 22.02.12 received C.R. dtd. 29.02.12 received
22.00 30.74 4.40 17.60 16.00 N.A. N.A.
Drawing Power (in case of Working Capital) Excel Sheet Drawing Power 1. As per Operating Cycle : Rs. 2. As per Nayak Committee:Rs. 24. Visit Report Enclosed : Yes 25. Insurance of Security: Nature of Security N.A.
Amount
Due Date
26. Financial Analysis: As per separate Sheet enclosed. 27. DSCR Calculation: (in case of Term Loan) (Excel Sheet) Particulars 2009 2010 2011
N.A.
GTI After Tax Depreciation Interest on Capital Salary to Partners/Directors Interest on Loan Cash Accurals(A) Existing Repayment Proposed Repayment Total Repayment (B) DSCR (A/B) 28.Guarantors Name Mr. Rajesh Jaswantlal Parekh A.P.R. Vittal Babu
5.20 0.04 0.00 0.00 0.00 5.24 1.83 0.00 1.83 2.86
5.08 0.03 0.00 0.00 0.00 5.11 1.83 0.00 1.83 2.79
6.00 0.71 0.00 0.00 0.00 6.71 0.45 2.31 2.76 2.43
Address
Occupation
Age 35 59
Year Income
Nikhil Park C, Hinge Khurd Virgo Engineers Ltd. 53/4, Masulkar Colony, Pimpri Enviro Socio Consultant
3.83
Jan. Salary - Gross Salary Rs. 72704.26 & Net Salary Rs. 65227.00 29. Guarantors Liability Type of Facility
Name Nil
Sanc. Limit
Balance O/S
Overdues
Due Date
30. Queries in Audit Reports :
N.A. N.A. N.A. N.A.
31. Comments on Management and Integrity: 32. Comments on Technology: 33. Comments on Product & Marketing:
34.Branch Recommendations with Justification in short : Facility Home Loan Purpose To Purchase a Flat Limit 16.00 Lacs Interest Rate 12.00% P.A. Margin % 27% Security Two Flats at Ganesh Peth, Pune Value Rs. 22.00 Period 180 Months EMI Rs. 19250/-
Subject To: 1 Share linking as per Banks norms (@ 1% of loan amount 2 Loan will be disbursed directly to National Electronics & National Developers 3 Registered simple mortgage of property in consultation with Banks advocate 4 All original papers of property is to be kept on record. 5 NOC of Builder to be kept on record and Banks charge is to be noted with them 6 Insurance of flats with Bank Clause. 7 Deed of Assignment or Sale Deed should be registered 8 Post Dated Cheques to be taken 9 Original Agreement dtd. 31/12/98 to be taken I hereby confirm that all the KYC Documents of applicant(Partners/Directors/Trustees) and guarantors are Taken on record and verified from original.
General Manager.
06.03.12 Category: Priority
Chinchwad, Pune 33
r, Chinchwad, Pune 19 9822037334
Remark
N.A.
15.02.12
_______ and has
ectronics and National ation Receipt
nt of loan. Branch will ter receiving of original f Mortgage Deed.
td having its office at tting machine tools. Main ading for the same. The o consulting in mooshrum Rs. 16.00 Lacs to ales Pvt. Ltd.
EMI
Security 22.00
. 22.02.12 received
. 29.02.12 received
Capital
10.753
EMI
Security
Particulars Years Mr. Dugad 2009 2010 2011
0.48 0.00
0.10 0.00
0.60 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.48 0.00 0.00 0.00 0.15 0.04 0.00 0.00 0.00 0.19 0.00 0.29 0.00 0.29
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.18 0.00 0.00 0.00 0.02 0.03 0.00 0.00 0.00 0.05 0.00 0.13 0.00 0.13
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.60 0.00 0.00 0.00 0.17 0.71 0.00 0.00 0.27 1.15 0.00 -0.55 0.00 -0.55
LIABILITIES Current Liabilities 24 Cash Credit 25 Sundry Creditors (Trade) 26 Advance Payment from Customers 27 Net Provision for Taxation 28 Dividend Payable 29 Other Statutory Liab. (Due within one Year) 30 Installments of term Loan within one year (Our Bank) 31 Other Current Liabilities & Provisions (due with in 1 yr) 32 TOTAL CURRENT LIABILITIES TERM LIABILITIES 33 Term Loan from our Bank(Less one Year Installments) 34 Term Loan from Other Banks. 35 Other term Liabilities 36 Unsecured loans 37 TOTAL TERM LIABILITIES 38 TOTAL OF OUTSIDE LIABILITIES NET WORTH 39 Share Capital 40 Unsecured loan (Quasi Equity) 41 General Reserve 42 Profit / Loss
2009
2010
2011
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 9.19 0.00 2.50 11.69 11.69
0.00 7.34 0.00 2.50 9.84 9.84
0.00 4.17 0.00 5.50 9.67 9.67
11.36 0.00 0.00
21.14 0.00 0.00
23.18 0.00 0.00
11.36 23.05
21.14 30.98
23.18 32.85
ANALYSIS OF BALANCE SHEET Continued - ASSETS ASSETS 2009 2010 2011
45 Current Assets 46 Cash & Bank Balances 47 Fixed Deposits with Banks 48 Stock 49 Trade Debtors & Receivable 50 Advances to Suppliers 51 Net Advance Payment of Taxes 52 Other Current Assets 53 TOTAL CURRENT ASSETS 2.27 0.00 0.00 0.00 0.00 0.00 0.10 2.37 3.11 0.00 0.00 0.82 0.00 0.00 5.60 9.53 4.48 0.00 0.00 0.00 0.00 0.00 1.53 6.01
FIXED ASSETS 54 Land , Building , Machinery etc. OTHER NON CURRENT ASSETS 55 a. Investments in Subsidiary companies/affiliates 56 b. Investment in Others (P.P.F & LIC) 57 e. Other Non-current Assets 58 TOTAL OTHER NON CURRENT ASSETS 59 TOTAL ASSETS 0.00 4.81 0.00 20.68 23.05 0.00 5.62 0.00 5.62 30.98 0.00 6.47 0.00 6.47 32.85 15.87 15.83 20.37
Ratio Analysis Current Ratio (53/32) #DIV/0! 0.97 #DIV/0! 0 #DIV/0! 100 60 3 #DIV/0! 2.15 #DIV/0! 2.40
0 #DIV/0! 2993 #DIV/0! 180 130 1 0 #DIV/0! 100 -92 -2
Pune People's Co-op. Bank Ltd., Pune Office Note Branch : Chinchwad Type of facility : Term Loan Date : Category: Priority (Non CRE)
Name of Scheme : 1. Name of Applicant / Firm : Annual Income Rs. Capital Rs. 2. Names of the Proprietor: 3. Residential Address : 4. Business Address : 5.Contact Numbers: Resi
Vehicle Loan (Commercial) (All figures in Lakhs) Mr. Deepak Ashok Ware 1.88 Financial Year 3.94 Financial Year N.A. S.No. 2253, Abhijeet Park, Vandeo Nagar, Thergaon, Chinchwad, Pune 33 S.No. 2253, Abhijeet Park, Vandeo Nagar, Thergaon, Chinchwad, Pune 33 Father - 9922235091 Office Owned by father Mobile As per Project Report As per Project Report
6.Whether the business place is Rental or Owned: (Enclose the documentary proof for above) 7. Nature of Activity: 8.Constitution : 9. Registrations: 10. Shareholder No: 11. Account Since : Sr.N o. A/c No. Type 1 10227 Savings 2 1677 Current Account Since 16.05.09 06.03.12 Tours & Travels Business Individual
Shop Act No. of Rudra Tours & Travels - Chinchwad/II/41550 valid upto 31/12/14 New Share Amount Rs. 0.01
Details of Deposits: Applicant along with family members. Sr.N o. A/c 1 2 3 4 5 Principal Maturity Amt Amt Due Date Name Kiran Tours & Travels Prop. Mr. Ashok Pralhad Ware 0.03 N.A. Mr. Ashok & Mrs. Suman Ware 0.02 N.A. Mr. Ashok Pralhad Ware Mr. Ashok Pralhad Ware Mr. Ashok Pralhad Ware 8.80 N.A. Term Loan Due Date , if Renewal: 1.20 1.41 0.03 0.80 0.03 0.80 10.03.12 15.11.13 19.12.13
Type 1253 CA 3479 SB 19023 RI 4174 RD 4202 RD
12. Demand: Term Loan : Rs. 13. Fresh/Renewal: 14. Purpose of Loan : 15. Primary Security: Particulars Tata Star Bus LP 712 / BS III Total Security 16.Collateral Security: 17.Legal Opinion: (if Property) Name of Advocate: N.A. N.A. N.A.
Yes/No
Dtd
18. Background : Mr. Deepak Ware is running a business of tours & travels in the name of Rudra Tours & Travels. His father is in tours & travels business since last 13 years. Mr. Deepak is assisting his father since last seven years and started business in his own name. He has also entered into a contract with Great Eastern Plaza to provide bus service for their staff transportation. He is also providing vehicles on commission basis. He has purchased a Tata Star bus from his own funds as he has to provide bus service to the company on urgent basis and has applied to Bank for a loan of Rs. 8.80 Lac to reimburse the amount. He has registered our hypothecation charge with RTO and Insurance Company. Vehicle documents are attached herewith. 19. Exposure Limit: Individual / Group : Type of Name Facility MS 147 Mr. Deepak Ashok Ware
Sanc. Balance OverDue Limit O/S dues Date 0.60 0.09 0.00 24.09.12
0.60 0.09 20. Details of Repayment of Earlier/Existing Loan ( Detailed explanation whether the installments are paid regularly each month or in lumpsum.) Installment is paid regularly each month 21.Turnover in account : (CC/ Current) Latest Sale Purchase figures N.A. New business
0.00
22. Details of accounts in other Banks / Financial Institutions: Account O/s as per Bal Type Bank Branch A/c No. Sheet Nil (Statements to be enclosed in case of loan accounts) 23. Quantum of Finance: Cost/Value Less Margin as per our Policy 15% Permissible Finance Demand Amt. Rs 0.00
NOC of concerned Bank taken or not
11.83 1.77 10.06 8.80 N.A. N.A.
Drawing Power (in case of Working Capital) Excel Sheet Drawing Power 1. As per Operating Cycle : Rs. 2. As per Nayak Committee:Rs. 24. Visit Report Enclosed : Yes 25. Insurance of Security: Nature of Security Tata Star Bus
Amount Due Date 11.24 29.09.12 Project Report Attached N.A. - New Business
26. Financial Analysis: As per separate Sheet enclosed. 27. DSCR Calculation: (in case of Term Loan) (Excel Sheet) 28.Guarantors
Address Occupation Abhijeet Park, Kiran Tours & Mr. Ashok Pralhad Ware Thergaon Travels Ashoka Society, Krishnakant Tours & Mr. Shashikant Bhimrao Patil Thergaon Travels Vishal Nagar, Pimple Prerana Education Mrs. Padmini Eknath Warade Nilakh Society
Name
Age 44 34 52
Year Income 2.66 3.71
Jan. Salary - Gross Salary Rs. 38402.00 & Net Salary Rs. 30168.00 29. Guarantors Liability Type of Name Sanc. Balance OverDue Facility Limit O/S dues Date HSG 28 Mr. Ashok Pralhad Ware 8.50 7.16 0.00 26.07.22 MS 211 Mr. Ashok Pralhad Ware 4.00 2.44 0.00 08.10.13 Total 12.50 9.60 0.00 Installments of loan are regular. 30. Queries in Audit Reports : N.A.
31. Comments on Management and Integrity: Mr. Deepak Ware is working with his father, Mr. Ashok Ware. Mr. Ashok Ware has Tours & Travels business since last 13 years. Therefore he has sufficient experience of travels business. 32. Comments on Technology: N.A.
33. Comments on Product & Marketing: Mr. Deepak Ware has entered into contract with Great Eastern Plaza to provide bus for their staff transportation. As per agreement he has been allotted two routes. From Nasik Phata to AFL Factory or Hadapsar to AFL factory. For this he will be paid Rs. 52500/ & Rs. 47250/respectively for first 3000 k.m./p.m. and extra k.m. travel will be paid by Rs. 14 k.m. Also his father's contacts will help him to develop his business on commission basis. 34.Branch Recommendations with Justification in short : Facility Term Loan Purpose Vehicle Loan Limit 8.80 Lacs Interest Rate 13.50% P.A. Margin % 26% Security Tata Star Bus Rs. 11.83 Period 60 Months EMI Rs. 20300/Subject To: 1 Share linking as per Banks norms (@ 1% of loan amount I hereby confirm that all the KYC Documents of applicant(Partners/Directors/Trustees) and guarantors are Taken on record and verified from original.
Branch Manager.
General Manager.
26. Project Report :Details of Project :(Rs. In Lacs up to two decimal) Cost of Project : 1 Tata Star Bus Total Means of Finance 1 Own Contribution 2 Bank Loan Total 11.82 11.82
3.02 8.80 11.82
Year Sales Other Income Depreciation Interest on Term Loan N.P.B.T. Provision for Tax N.P.A.T DSCR Calculations N.P.A.T Depreciation
1st 10.50 0.13 3.55 1.19 1.89 0.01 1.88 1.92 1.88 3.55
2nd 11.55 0.14 2.48 0.95 3.83 0.20 3.63 2.05 3.63 2.48
3rd 12.69 0.16 1.74 0.71 5.49 0.42 5.07 2.23 5.07 1.74
4th 13.93 0.17 1.22 0.48 6.99 0.71 6.28 2.36 6.28 1.22
5th 15.31 0.19 0.85 0.24 8.41 1.04 7.37 2.63 7.37 0.85
Interest on Loan Total (A) Repayment (B) DSCR = A/B Average DSCR is 3.41
1.19 6.62 2.44 2.71
0.95 7.06 2.44 2.89
0.71 7.52 2.44 3.08
0.48 7.98 2.44 3.27
0.24 8.46 2.44 3.47
07.03.12 Category: Priority (Non CRE)
Chinchwad, Pune 33
Chinchwad, Pune 33 992254423
41550 valid upto 31/12/14
Remark
CC of 1.00 Bal. 0.12 Bal. 0.09
els in the name of Rudra pak is assisting his red into a contract with viding vehicles on o provide bus service to mburse the amount. He documents are attached
EMI 0.02
Security Byke 0.81
Lacs Lacs Lacs Lacs
Capital 11.27 8.81
EMI 0.10 0.14
Security Flat-11.0 Bus-8.00
h his father, Mr. Ashok he has sufficient
nto contract with Great een allotted two routes. Rs. 52500/ & Rs. 47250/so his father's contacts
Pune People's Co-op. Bank Ltd., Pune Office Note Branch : Chinchwad Type of facility : Term Loan Name of Scheme : Home Loan (All figures in Lakhs) 1. Name of Applicant / Firm : Annual Income Rs. Capital Rs. Mrs. Khoja is Housewife. Mr. Nasirkhan Pyarali Khoja & Mrs. Meenaz Nasirkhan Khoja 3.04 Financial Year 14.60 Financial Year 2011 2011 Date : Category: Priority (CRE)
2. Names of the Proprietor/Partners/Directors/Trustees: 3. Residential Address : 4. Business Address : 5.Contact Numbers: Resi
N.A.
Flat No. B/3, Plot No. 502, Ganga Nebula Society, Viman Nagar, Pune 14 Gat No. 1567, Shelar Vasti, Dehu Alandi Road, Chikhali, Pune 412 114 9325895739 -Mrs. Office Mobile
6.Whether the business place is Rental or Owned: The property is owned by Mrs Meenaz Khoja by (Enclose the documentary proof for above) Registered Development Agreement and Power of Attorney 7. Nature of Activity: 8.Constitution : 9. Registrations: Plastic Moulding Individual SSI Registration No. 111947445 dtd. 22.09.99 Chikhali/II/2638 valid upto 31/12/14 Mr. Khoja - 30055 Mrs. Khoja - New Share Amount Rs. 0.10 0.01
10. Shareholder No:
11. Account Since : Sr.N o. A/c No. Type
Current Balance
Account Since
1 1643 CA Closed on 09/01/12 03.10.11 Details of Deposits: Applicant along with family members. Sr.N o. A/c Principal Maturity Amt Amt Due Date
Type
Name Nil 20.00
12. Demand: Term Loan : Rs. 13. Fresh/Renewal: 14. Purpose of Loan : 15. Primary Security: Particulars N.A. Home Loan
Value of Security 42.17 55.76 42.17 Yes Adv. C.V. Choughule Dtd
Flat No. 704, D Building, Gera's Emerald City, Kharadi, South Phase at S.No. 73/1, Kharadi. 1265 sq.ft. Valuation by Mr. Harshad Ruparel Dated 21.02.12 Total Security 17.Legal Opinion: (if Property) Name of Advocate:
Advised to do following compliance before execution of mortgaged deed. 1 Original Assignment / Transfer Deed to be executed by and between Ikram Hassin Nanji and Nasir Pyarali Khoja & Meenaz Nasir Khoja along with Index II and Registration Receipt 2 Original Agreement dtd. 25/11/10 - The original Assignment / Transfer Deed will be executed only after disbursement of loan. Branch will issue Bankers Cheque to Mr. Ikram Nanji only after receiving of original Assignment / Transfer Deed and Original Agreement dtd. 25/11/10 and registration of Mortgage Deed. 18. Background : Mr. Nasir Khoja proprietor of Kapila Enterprises is running business of plastic moulding since last 12 years. The premises is in industrial area, the plot about 5000 sq.ft. on which a shed of 4500 sq.ft. is build. Registered Development Agreement and Power of Attorney of the property is executed in the name of his wife Mrs. Minaz Khoja. He is having following machinery :1 Horizontal Plastic Moulding Machine - 180 Tone Capacity 2 Horizontal Plastic Moulding Machine - 50 Tone Capacity 3 Horizontal Plastic Moulding Machine - 30 Tone Capacity 4 Riveting Machine 5 Scrap Grinder 6 Air Compressor - 5 HP 7 Bench Grinder 8 Air Drying Unit 9 Chain Pulling Block 10 Diesel Generating Set 11 Tapping Machine
12 Single Pillar Fly Press
13 Table Drilling Machine
They are authorized vendors for Rinder India Pvt. Ltd., Jay Auto components Ltd., Lumax Automotive Systems, Kirloskar Integrated Technologies Ltd., Filtrum Tools & Components etc. They are manufacturing Bobbins for Generator Tray, Kawasaky Tail Lamp Assembly, A/C Panel for Indica Car, Earthquake Sleeve etc. There are 15 workers working in two shifts. Bank has given a cash credit of Rs. 4.00 Lacs & a machinery loan of Rs. 6.00 Lacs. Transactions in cash credit are good. Installments of loan are regular. Now Mr. Khoja has applied for a loan of Rs. 20.00 Lacs to purchase a flat at Kharadi. Previously Mr. Khoja was operating a cash credit account with Rupee Bank. He closed the same on 12.11.11 19. Exposure Limit: Individual / Group : Type of Facility CCS 228 MS 289 Name Kapila Enterprises - Mr. N.Khoja Kapila Enterprises - Mr. N.Khoja Sanc. Balance OverDue Limit O/S dues Date 4.00 4.01 0.00 03.11.12 6.00 10.00 5.78 9.79 0.00 03.11.16 Moulding machine of Rs. 16.31 0.00
20. Details of Repayment of Earlier/Existing Loan ( Detailed explanation whether the installments are paid regularly each month or in lumpsum.) Installments of loan are regularly in each month 21.Turnover in account : (CC/ Current) If Turnover is less than 75 % of sales , reason Latest Sale Purchase figures N.A. N.A.
22. Details of accounts in other Banks / Financial Institutions: Account O/s as per Bal Type Bank Branch A/c No. Sheet Nil 23. Quantum of Finance: Amt. Rs 20.00 Cost/Value/Total Requirement as per Agreement (Agreement Rs. 40.00 + Stamp Duty 1.83 + Registration Fee 0.30 Lacs) Valuation Less Margin as per our Policy 25% of Agreement Value Permissible Finance Demand Drawing Power (in case of Working Capital) Excel Sheet
NOC of concerned Bank taken or not
42.13 55.76 10.53 32.00 20.00 N.A.
Drawing Power 1. As per Operating Cycle : Rs. 2. As per Nayak Committee:Rs. 24. Visit Report Enclosed : Yes 25. Insurance of Security: N.A.
N.A.
26. Financial Analysis: As per separate Sheet enclosed. 27. DSCR Calculation: (in case of Term Loan) (Excel Sheet) Particulars 2009 2010 2011 Net Profit After Tax 0.00 0.00 3.04 Depreciation 0.00 0.00 2.45 Interest on Capital 0.00 0.00 0.00 Salary to Partners/Directors 0.00 0.00 0.00 Interest on Loan 0.00 0.00 0.00 Cash Accurals(A) 0.00 0.00 5.49 Existing Repayment Proposed Repayment Total Repayment (B) DSCR (A/B) 28.Guarantors Address Occupation Sai Kunj Apartment, TUV India Pvt. Ltd. Pimpri, Pune 18 Jan. Salary - Gross Salary of Rs. 30000.00 & Net Salary of Rs. 27575.00 29. Guarantors Liability Type of Facility Name Mr. Rajesh Ashok Joshi Age 41 Year Income 0.00 0.00 0.00 0.00 0.00 0.00 1.66 2.89 4.55 1.21
Interest is not considered as CC & TL interest is not mentioned separately
DSCR for 2009 & 2009 is not calculated as loan account have been closed.
Sanc. Balance OverDue Limit O/S dues Date Guarantor to Mr. Khoja for above mentioned loan & cash credit. Nil N.A. N.A. N.A.
Name
31. Comments on Management and Integrity: 32. Comments on Technology: 33. Comments on Product & Marketing:
34.Branch Recommendations with Justification in short : Facility Home Loan Purpose To Purchase a Flat Limit 20.00 Lacs Interest Rate 12.00% P.A. Margin % 53% Security Flat at Kharadi of Rs. 42.13 Period 180 Months EMI Rs. 24050/Subject To: 1 Share linking as per Banks norms (@ 1% of loan amount 2 Loan will be disbursed directly to Mr. Ikram Hassain Nanji 3 Registered simple mortgage of property in consultation with Banks advocate 4 All original papers of property is to be kept on record. 5 Insurance of flat with Bank Clause. 6 Deed of Assignment or Sale Deed should be registered 7 Original Agreement dtd. 25/11/10 to be taken on record I hereby confirm that all the KYC Documents of applicant(Partners/Directors/Trustees) and guarantors are Taken on record and verified from original.
Officer/Clerk.
Branch Manager.
General Manager.
21.02.12 Category: Priority
(All figures in Lakhs) Nasirkhan Khoja
an Nagar, Pune 14
i, Pune 412 114 9325895732 -Mr.
d by Mrs Meenaz Khoja by ment and Power of Attorney
Remark
15.02.12
_______ and has
in Nanji and Nasir
nt of loan. Branch will ent / Transfer Deed and
ng business of plastic q.ft. on which a shed of property is executed in
max Automotive Systems, nufacturing Bobbins for Sleeve etc. There are 15 hinery loan of Rs. 6.00 Khoja has applied for ating a cash credit account
EMI N.A.
Security
Stock & Debtors 0.14 Plastic ding machine of Rs. 16.31
not considered as CC & TL not mentioned separately 2009 & 2009 is not as loan account have been
Capital
EMI
Security
edit.
1 Sales/Labour Charges 2 Opening Stock
19.90 1.20
18.52 1.95
57.18 1.66
3 Purchases 4 Power & Fuel & Electricity 5 Direct Labour(Wages) 6 Transportation/Octroi etc 7 Other Direct Expenses (Excise Duty & Labour Chr) 8 Sub Total 9 Closing Stock 10 Gross profit 11 Salaries & wages 12 Administrative & selling Expenses 13 Interest on Unsecured Loans 14 Other Expenses 15 Depreciation 16 Interest on Capital to Partners/Directors 17 Salaries to Directors & Partners 18 Interest on Bank Loan & CC 19 Sub Total 20 Other Income if any 21 Net Profit Before Tax 22 Provision for Tax 23 Net Profit after Tax
7.61 1.94 1.39 0.17 1.40 12.51 1.95 8.12 0.43 0.00 0.00 1.51 2.58 0.00 0.00 1.49 6.01 0.04 2.15 0.03 2.12
10.33 0.00 0.96 0.00 0.00 11.29 1.66 6.94 0.00 0.00 0.00 1.58 2.33 0.00 0.00 1.29 5.20 0.00 1.74 0.03 1.71
25.32 0.00 2.30 0.00 15.35 42.97 1.86 14.40 0.44 0.00 0.00 7.66 2.45 0.00 0.00 0.81 11.36 0.00 3.04 0.00 3.04
LIABILITIES Current Liabilities 24 Cash Credit 25 Sundry Creditors (Trade) 26 Advance Payment from Customers 27 Net Provision for Taxation 28 Dividend Payable 29 Other Statutory Liab. (Due within one Year) 30 Installments of term Loan within one year (Our Bank) 31 Other Current Liabilities & Provisions (due with in 1 yr) 32 TOTAL CURRENT LIABILITIES TERM LIABILITIES 33 Term Loan from our Bank(Less one Year Installments) 34 Term Loan from Other Banks. 35 Other term Liabilities 36 Unsecured loans 37 TOTAL TERM LIABILITIES 38 TOTAL OF OUTSIDE LIABILITIES NET WORTH 39 Share Capital 40 Unsecured loan (Quasi Equity) 41 General Reserve 42 Profit / Loss 12.18 0.00 0.00 2.15 13.09 0.00 0.00 1.74 14.60 0.00 0.00 3.04 0.00 4.41 0.00 0.00 4.41 11.33 0.00 1.94 0.00 0.00 1.94 7.86 0.00 0.18 0.00 0.00 0.18 9.72 5.55 1.18 0.00 0.00 0.00 0.00 0.00 0.19 6.92 4.07 1.23 0.00 0.00 0.00 0.00 0.00 0.62 5.92 3.99 2.94 0.00 0.00 0.00 1.01 0.00 1.60 9.54
14.33 25.66
14.83 22.69
17.64 27.36
45 Current Assets 46 Cash & Bank Balances 47 Fixed Deposits with Banks 48 Stock 49 Trade Debtors & Receivable 50 Advances to Suppliers 51 Net Advance Payment of Taxes 52 Other Current Assets 53 TOTAL CURRENT ASSETS 8.04 5.96 8.33 0.15 0.00 1.95 5.92 0.00 0.02 0.17 0.50 1.66 3.51 0.00 0.12 0.20 0.50 1.86 5.20 0.00 0.57
FIXED ASSETS 54 Land , Building , Machinery etc. OTHER NON CURRENT ASSETS 55 a. Investments in Subsidiary companies/affiliates 56 b. Investment in Others - Shares (Rupee Bank) 57 e. Other Non-current Assets 58 TOTAL OTHER NON CURRENT ASSETS 59 TOTAL ASSETS 0.00 0.12 0.00 15.48 23.52 0.00 0.12 0.00 0.12 20.95 0.00 0.12 0.00 0.12 24.30 15.36 14.87 15.85
Ratio Analysis Current Ratio (53/32) 1.16 1.44 60 109 57 41 11 15 1.01 2.47 52 69 43 37 9 12 0.87 4.23 16 33 42 25 5 17
Pune People's Co-op. Bank Ltd., Pune Office Note Branch : Chinchwad Type of facility : Cash Credit Name of Scheme : 1. Name of Applicant / Firm : Annual Income Rs. Capital Rs. Trade Finance for Working Capital (All figures in Lakhs) V.S. Rubber Products 6.40 Financial Year 17.52 Financial Year 2011 2011 Date : Category: Priority (Non CRE)
2. Names of the Proprietor:

1 Smt. Parvati Shivaji Kamble
Annual Income Rs.

6.40
Flat No. E1 & 2, Gokul Nagari, 25/1, Tuljabhavani Nagar, Pimple Gurav, Pune 26 Gat No. 79/80, Jyotiba Nagar, Talawade, Pune 14 Office Owned Mobile
6.Whether the business place is Rental or Owned: (Enclose the documentary proof for above) 7. Nature of Activity: 8.Constitution : 9. Registrations: 10. Shareholder No: 11. Account Since :
Sr.N o. A/c No. Type 1 1652 Current Account Since 22.11.11
Rubber Moulding & Rubber Adhesive Proprietorship Talewade/II/5589 valid upto 31/12/12 New
Share Amount Rs.
0.01
Current Balance 0.42
Details of Deposits: Applicant along with family members. Sr. No. A/c
Principal Maturity Amt Amt Due Date
Type
Name Nil 10.00
12. Demand: Cash Credit : Rs. 13. Fresh/Renewal: 14. Purpose of Loan : 15. Primary Security:
Particulars Fresh
Stock Add Debtors Less Creditors (As on date 31/01/12) Total Security
16.Collateral Security:
Particulars 1228 sq.ft. of Gat No. 79 (Part) & 2000 sq.ft of Gat No. 80 (Part) total area of 3228 sq.ft. at Village Talawade, Tal. Haveli, Dist. Pune Valuation by M/s. A.D. Joshi & Asso. Dated 22.02.12 Value of Security 41.63 41.63
Yes
Dtd
Adv. Vijayalaxmi Basva Advised to do following compliance before execution of mortgaged deed. 1 Original Copy of Sale Deed dtd. 29/01/09 bearing Sr.No. 911/2001 bet V.S. Rubber Products & Mr. V. Patheja to be taken on Record - Received 2 Original copy of 7/12 extracts dtd. 06/02/12 to be taken on record - Received 3 Original copy of Mutation Entry No. 8335 dtd. 09/02/12 to be taken on record - Received
18. Background : V.S. Rubber Products Prop. Smt Parvati Kamble is in business of rubber molding & Rubber Adhesive since last 18 years. She is processing Rubber Coated Nylon Cloth which is used for Life Saving boats, Jackets. She is also manufacturing Rubber bushes. The main supply is Galvanizer India, Rieco Industries, Vasudha Enterprises, Swastik Rubber, Indian Card Clothing, Singh Hindustan Marine Pvt. Ltd., Zeppelin Systems India Pvt. Ltd etc. At present she is banking with Cosmos Bank & HDFC Bank. She has applied for a cash credit of Rs. 10.00 Lacs for working capital. She has offered her property at Talewade as a security for the same.
19. Exposure Limit: Individual / Group :

Type of Facility Name Nil Sanc. Limit Balance O/S Overdues Due Date
20. Details of Repayment of Earlier/Existing Loan ( Detailed explanation whether the installments are paid regularly each month or in lumpsum.) 21.Turnover in account : (CC/ Current)
Period For 22.11.11 - 31.01.12 Max. Credit 3.47 Interest Min Credit Turnover Recd. 0.03 7.44 N.A.
Utilization N.A.
If Turnover is less than 75 % of sales , reason Latest Sale Purchase figures Period From To Sales
From 01.04.11 - 31.01.12 49.61
Purchases 23.86
22. Details of accounts in other Banks / Financial Institutions: Bank HDFC

Branch Pune A/c No. 80044290 90420430 1093017 O/s as per Bal Sheet 28.19 Account Type Property Loan CA NOC of concerned Bank taken or not Not yet received Not yet received
Cosmos Bank Khadki
(Statements to be enclosed in case of loan accounts) 23. Quantum of Finance: Amt. Rs

N.A.
Drawing Power (in case of Working Capital) Excel Sheet

Particulars
Stock Less Creditors Sub Total Add Debtors Sub Total Less 50% Margin Drawing Power Average D.P.
Mar. 11 1.30 12.09 -10.79 16.19 5.40 1.62 3.78
Nov. 11 9.62 13.49 -3.87 17.63 13.76 4.13 9.63
Dec. 11 8.53 12.67 -4.14 20.50 16.36 4.91 11.45 9.87
Jan. 12 7.99 12.85 -4.86 21.94 17.08 8.54 8.54
Drawing Power 1. As per Operating Cycle : Rs. 2. As per Nayak Committee:Rs. 24. Visit Report Enclosed : Yes 25. Insurance of Security: Nature of Security Amount N.A.
10.34
Due Date
26. Financial Analysis: As per separate Sheet enclosed. 27. DSCR Calculation: (in case of Term Loan) (Excel Sheet) 28.Guarantors Name Mr. Pratap Keshab Jena Mr. Vikas Shivaji Kamble
Address More Vasti, Chikhali Gokul Nagari, Pimple Gurav Occupation
P.K. Rubber & Engg.
N.A. Year Income 15.89
Age 29 32
Service at Lupin Ltd.
Salary of Mr. Kamble - Gross Salary Rs. 40297.03 & Net Salary Rs. 37741.00 29. Guarantors Liability
Type of Facility Name Sanc. Limit Balance O/S Overdues Due Date
MS 251
Mr. Jena Guarantor to Mr. Vikas Kamble Mr. Jena Guarantor to M/s. Delta Rubber Products Mr. Jena Guarantor to M/s. Delta Rubber Products
5.00
4.33
0.07 06.04.16
MS 282
6.00
5.69 0.35 Cr. Bal
0.12 12.10.16
CCS 232 Total
9.00
0.00 24.01.13
Additional security - Property at Talawade of Rs. 43.05 20.00 10.02 0.19 N.A.
31. Comments on Management and Integrity: 32. Comments on Technology:
33. Comments on Product & Marketing: 34.Branch Recommendations with Justification in short :
Facility Purpose Limit Interest Rate Margin % Security Period Cash Credit Trade finance for Working Capital 10.00 Lacs 13.50% P.A. 30% Stock & Debtors and Property at Talwade Value Rs. 41.63 15 Months
Subject To:
1 Share linking as per Banks norms (@ 1% of loan amount 2 Registered simple mortgage of property in consultation with Banks advocate 3 Property cards / 7/12 extracts of mortgaged property, with Banks name duly recorded, to be kept on record 4 Insurance of Stock & Property with Bank Clause. 5 Bank's charge to be created on Stock & Debtors 6 Stock, debtors, creditors statements should be submitted before 10th of every month. 7 All the debtors to form security for CC limit. Debtors up to 90 days shall be considered for D.P. calculation & drawing in the A/c will be allowed as per available drawing power
I hereby confirm that all the KYC Documents of applicant(Partners/Directors/Trustees) and guarantors are Taken on record and verified from original.
Officer/Clerk.
Branch Manager. Head Office Queries:(if any)
Head Office Remarks
Compliance / Comments by Branch
General Manager.
22.02.12 Category: Priority (Non CRE) (All figures in Lakhs)
Annual Income
, Pimple Gurav, Pune 26
9371204244
Remark
14.02.12
_______ and has
r Products &
siness of rubber molding
n Cloth which is used main supply is Card Clothing, Singh is banking with Cosmos king capital. She has
EMI
Security
N.A.
t yet received
t yet received
Capital 25.04
EMI
Security Machin e Rs. 6.75 Machin e Rs. 11.0 Stock & Debtors
0.11
0.14
N.A.
Talawade of Rs. 43.05
rded, to be kept
dered for D.P.
s/Trustees)
AGM/DGM.
30.43 3.90
33.99 2.28
51.72 1.29
17.72 0.13 2.76 0.03 0.00 20.64 2.28 8.17 2.24 0.00 0.00 5.17 0.54 0.00 0.00 0.22 8.17 0.00 4.29 0.05 4.24
17.81 0.33 5.56 0.09 0.00 23.79 1.29 9.21 2.56 0.09 0.00 1.30 0.46 0.00 0.00 0.18 4.59 0.00 4.62 0.20 4.42
26.98 0.35 9.32 0.12 0.00 36.77 1.30 14.96 2.51 0.03 0.00 1.39 0.86 0.00 0.00 3.81 8.60 0.00 6.36 0.35 6.01
LIABILITIES Current Liabilities 24 Cash Credit 25 Sundry Creditors (Trade) 26 Advance Payment from Customers 27 Net Provision for Taxation 28 Dividend Payable 29 Other Statutory Liab. (Due within one Year) 30 Installments of term Loan within one year (Our Bank) 31 Other Current Liabilities & Provisions (due with in 1 yr) 32 TOTAL CURRENT LIABILITIES TERM LIABILITIES 33 Term Loan from our Bank(Less one Year Installments) 34 Term Loan from Other Banks. 35 Other term Liabilities 36 Unsecured loans 37 TOTAL TERM LIABILITIES 38 TOTAL OF OUTSIDE LIABILITIES NET WORTH 39 Share Capital 40 Unsecured loan (Quasi Equity) 41 General Reserve 42 Profit / Loss 15.93 0.00 0.00 4.29 13.16 0.00 0.00 4.62 17.52 0.00 0.00 6.37 0.00 25.77 0.00 0.00 25.77 32.60 0.00 30.72 0.00 0.00 30.72 38.34 0.00 28.31 0.00 7.48 35.79 48.71 0.00 6.44 0.00 0.00 0.00 0.00 0.00 0.39 6.83 0.00 6.58 0.00 0.00 0.00 1.04 0.00 0.00 7.62 0.00 12.09 0.00 0.00 0.00 0.76 0.00 0.07 12.92
20.22 52.82
17.78 56.12
23.89 72.60
45 Current Assets 46 Cash & Bank Balances 47 Fixed Deposits with Banks 48 Stock 49 Trade Debtors & Receivable 50 Advances to Suppliers 51 Net Advance Payment of Taxes 52 Other Current Assets 53 TOTAL CURRENT ASSETS 4.63 0.00 2.28 11.77 0.00 0.00 0.00 18.68 4.10 0.00 1.29 13.47 0.00 0.29 0.00 19.15 2.05 0.00 1.30 16.19 0.00 0.41 0.00 19.95
FIXED ASSETS 54 Land , Building , Machinery etc. OTHER NON CURRENT ASSETS 55 a. Investments in Subsidiary companies/affiliates 56 b. Investment in Others 57 e. Other Non-current Assets 58 TOTAL OTHER NON CURRENT ASSETS 59 TOTAL ASSETS 0.00 0.00 0.00 25.68 44.36 0.00 0.00 0.50 0.50 51.49 0.00 0.00 0.20 0.20 66.24 25.68 31.84 46.09
Ratio Analysis Current Ratio (53/32) Debt/Equity (43/(37+24)) Stock Turnover - Days (9/(1-10))*365 Debtors Turnover - Days (49/1)*365 2.74 0.78 37 141 133 27 14 21 2.51 0.58 19 145 135 27 13 25 1.54 0.67 13 114 164 29 12 25

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Pune People's Co-op. Bank Ltd., Pune Office Note Branch : Chinchwad Type of facility : Date : 01.03.

2. Names of the Proprietor/Partners/Directors/Trustees:N.A.

5.Contact Numbers: Resi

Owned ( Residence in the name of husband)

Sr.N o. A/c No.

Account Current Balance Since 1000/17.01.12

15.00 Due Date , if Renewal:

Purchase of Office (Clinic)

17.Legal Opinion: (if Property) Name of Advocate:

Yes Adv. C.V. Choughule

Min Debit Turnover

NOC of concerned Bank taken or not Not taken

21.08 27.83 5.27 15.78 15.00

Amount Due Date

Mr. Rahul Ramesh Padole

Mr. Manish Nandkumar Junnarkar 29. Guarantors Liability Type of Facility

Balance OverDue O/S dues Date 0.00 0.00 0.00

Total 30. Queries in Audit Reports :

Head Office Recommendations:

te : 01.03.2012 tegory: Priority

_______ and has

P.Gupta and the

ncerned Bank taken or not Not taken

Lacs Lacs Lacs Lacs Lacs

ence in her working area. c in her own property.

start clinic from Kerala Therapy

oing to open a clinic is

1 Sales/Receipts 2 Opening Stock

0.10 0.06 1.65 0.00 0.00 0.38

0.58 1.22 0.64 0.00 0.64

ANALYSIS OF BALANCE SHEET - LIABILITIES

43 NET WORTH 44 TOTAL LIABILITIES (18+24)

ANALYSIS OF BALANCE SHEET Continued - ASSETS ASSETS

1.33 0.00 0.00 0.10 0.45 1.88 0.00 0.00 0.28

0.44 1.43 0.99 0.17 0.82

2. Names of the Proprietor/Partners/Directors/Trustees: 1 Mr. Rajendra Shankar Choudhari

3. Residential Address : 4. Business Address : 5.Contact Numbers: Resi

Rented Rent Agreement is enclosed

8.Constitution : 9. Registrations: 10. Shareholder No:

Current Balance 0.04 0.01

Account Since 04.11.09 16.11.11

Name Mrs. Prabhavati R. Choudhari 10.00

Due Date , if Renewal:

Trade Finance for Working Capital

Value of Security 42.65 42.65

Value of Security 0.75 0.75 Dtd

Conditions in Legal Report and its compliance:

Min Debit 13.85 0.11 0.07

NOC of concerned Bank taken or not Not Taken

Drawing Power Average D.P.

Amount Due Date 22.00 21.03.12

Ashirwad Dhiraj Apts, Mrs. Vandana Sitaram Pandit Chinchwad, Pune

Mr. Choudhari is an authorized dealer for Exide & Luminous

Head Office Recommendations:

14.03.12 Sent to HO: 15.03.12

(All figures in Lakhs)

rized Distributor for

Security Stock & Debtors

concerned Bank aken or not

Security Ford Figo Rs. 5.83 Stock & Debtors

ce last 4 years. All

dealer for Exide & Luminous.

er. He also distributes he business & he also