jayant enterprises _284bl0000837_indore .xls

Business Loan - Verfied Income

Webtop No. 284BL0000837

1 28/10/2015

2 Product Program Verified income program

3 Channel DSA

4 Channel Name addi trademart-

5 Region West

6 Name of City INDORE

7 Name of the Applicant JAYANT ENTERPRISES

8 Name of Co-Applicant JAYANTI GARG

9 Relationship with Applicant proprietor

10 Co-Applicant details to be clubbed Yes

11 22/09/1958

12 Age 65

13 Educational Background

14 Marital Status Married

15 Industry Trading

16 Industry Type-Growing/Negative/Caution Growing

17 Negative Profile Not in Negative Profile list

18 Caution Profile Not in Caution Profile List

19 Priority sector lending Retail Traders

20 Risk Low

21 Business/Firm Name JAYANT ENTERPRISES

22 Nature of Business Trading retailer

23 Office/Resi with in Geo limit/Out of geo limit With in GEO Limit

24 Ownership of Ofiice

25 Total no.of yrs.in the Current Business

26 No.of yrs.of Business from the Current Premises

27 Total no.of yrs in Business

28 Constitution Proprietorship

29 If Partner - Profit sharing Ratio

30 Ownership of residence of Co-Applicant

Total no of years in Current City

31 Total no of years at current Residence

32 Tele-Contact ability

a) Type of connection at Residence Landline

b) Type of connection at Office Landline

c) Tele-verification -Residence

d) Tele-verification -Office

33 Repayment Track Record details

a) Total no of live loans

b) Total no of unsecured loan taken in last 6 months

Application Date (mm/dd/yyyy)

DOB (mm/dd/yyyy)

c) Total no of live Unsecured loans

x) Total no of live secured loans

d) Is RTR provided? Yes

e) Financer Name

f) Product Type

g) Is Loan Live or Closed?

h) If closed - Date of Closure (dd/mm/yyyy)

i) If Live Seasoning (in Months)

j) Loan Amt

k) No. of EMI Cheque Bounces for this loan(in Last 12 Months)

l) No. of EMI Cheque Bounces for this loan(in Last 3 Months)

34 Banking 1

a) Bank Name & A/c No. BANK OF BARODA----18590200000504

b) Account Type Current A/c

c) No of times CC/OD Over limit in last 6 months NIL

d) Utilisation of OD/CC limit 0

e) Aging of Account (in Months) 6

f) OD/CC Limit 0

g) Average Monthly Credit

Total Credits during Month - MAY 2015 682980

Total Credits during Month - JUN 2015 1635400

Total Credits during Month - JUL 2015 777600

Total Credits during Month - AUG 2015 893580

Total Credits during Month - SEP 2015 472428

Total Credits during Month - OCT 2015 214500

Total Credit of 6 months 10629269

i) Total No. of Cheque issued 126

) Total No.of inward Cheque bounces (in last 6 months) 3

Total No.of outward Cheque bounces (in last 6 months) 0

Total no of credits in last 6 months 217

35 PDC/ECS Details

B1 a) Bank Name BANK OF BARODA

b) Branch Name INDORE

c) Account Type Current A/c

d) Account No. 18590200000504,

B2 a) Bank Name ICICI BANK

b) Branch Name INDORE

c) Account Type Current A/c

d) Account No. 024105002842,

36 Loan Amount Applied for 5000000

37 Eligible Loan Amount -11623850

38 Approved Loan Amount 0

39 Purpose of Loan Working Capital

40 Requested Tenor (in Months) 36

C69

99017936: AFTER 26 OCT BANKING NOT PROVIDED

41 ROI 19.50%

42 PF 2.25%

43 IRR 19.50%

44 EMI 0

45 Verifications

i) CPV Vendor Name Katiyal & Associates

a) Residence FI

b) Office FI

c) Office PD

d) FI DEDUPE

e) Consumer CIBIL Positive

Consumer CIBIL New scorecard Positive

f) External DEDUPE

g) Internal DEDUPE Negative

ii) RCU Vendor Name A. B. Associates

h) RCU

i) Trade referance 1

j) Trade referance 2

k) Commercial CIBIL

l) KYC Compliance Positive

m) RBI Data Base - As per Cibil Site Positive

Buyer Concentration <=50%Provisional Financials Till March'2010 with CA attestation No

Colletral Secuirity if Loan Amount > 50 Lacs Not in Negative Profile list

Proof of End Use if Loan Amount is >35 Lacs Others

46 Industry / Sector

47 Current Rating Agency:

48

49 Current Rating

50 Previous Rating Agency:

51

52 Previous Rating

53 Rating Movement

Sector1 Agri Products2 Automobiles3 Broad line/ Multiline4 Cement5 Chemicals6 Computers7 Construction8 Containers & Packaging9 Durables

Date of Reported Rating (Current) (mm/dd/yyyy)

Date of Reported Rating (Previous) (mm/dd/yyyy)

10 Energy11 Entertainment & Leisure12 Finance13 FMCG14 Food & Beverages15 Food Processing16 Food Products17 Gen Indl Services18 Hardware Equipment19 Healthcare20 Healthcare Providers21 Household Products22 Industrial equipment23 Institutions & Trusts24 Jewellery25 Media26 Metals27 Mining28 Non Store Retail29 Others30 Paints31 Paper32 Petroleum Products33 Photographic & Allied34 Plastics35 Professional Services36 Rubber37 Services38 Services - business39 Services - Communication40 Services - Transport41 Software42 Specialty43 Textiles44 Transport45 Transportation Logistics

Rating Agency:CARECRISILFITCHICRA

Rating Movement:Upgrade

DowngradeRe-Affirmed

775 811

Degree details not provided

Loan Amt. Additional Criteria Cost of Equipment

2 lacs to 20lacs NA

details not provided







report awaited

report awaited

RTR type - Sec/Unsec

2 3 4 5 6

ICICI BANK---024105002842

Current A/c

NIL

0

6

0

1406400

992250

1926493

409214

922124

296300

5952781

64

0

0

130

D69

99017936: AFTER 26 OCT BANKING NOT PROVIDED

report awaited

report awaited

report awaited

report awaited

report awaited

report awaited

report awaited

report awaited

report awaited

Industry Sub Sector Industry Type Margin

#N/A

Sr No Industry/Sector Sub Sector Industry Type Combo1 Agri Products Animal Products Manufacturing Agri ProductsA2 Agri Products Coffee Manufacturing Agri ProductsC3 Agri Products Edible Oils Manufacturing Agri ProductsEd4 Agri Products Fruit & nuts Manufacturing Agri ProductsFr5 Agri Products Groceries & Related Manufacturing Agri ProductsGr6 Agri Products Poultry & Meat Prod Manufacturing Agri ProductsP7 Agri Products Spices Manufacturing Agri ProductsS8 Agri Products Starches Manufacturing Agri ProductsS9 Agri Products Sugar Manufacturing Agri ProductsS

10 Agri Products Tobacco Products Manufacturing Agri ProductsT11 Agri Products Vegetables, roots an Manufacturing Agri ProductsVe12 Automobiles 2 & 3 Wheelers Manufacturing Automobiles2 &13 Automobiles Auto Ancillaries Manufacturing AutomobilesAut14 Automobiles Auto Design Manufacturing AutomobilesAut15 Automobiles Cycle & Accessories Manufacturing AutomobilesCyc16 Automobiles LCV's/ HCV's (CommerManufacturing AutomobilesLCV17 Automobiles Passenger Cars Manufacturing AutomobilesPas18 Automobiles Tractors Manufacturing AutomobilesTra19 Automobiles Tyres Manufacturing AutomobilesTyr20 Broad line/ Multiline General Merchandis Manufacturing Broad line/ Mu21 Cement Cement products & asManufacturing CementCement p22 Chemicals Alkali's Manufacturing ChemicalsAlkali23 Chemicals Carbon black Manufacturing ChemicalsCarbo24 Chemicals Caustic Soda Manufacturing ChemicalsCaust25 Chemicals Chemicals ( not defi Manufacturing ChemicalsChemi26 Chemicals Dyes and Pigments Manufacturing ChemicalsDyes 27 Chemicals Fertilizers (all catego Manufacturing ChemicalsFertili28 Chemicals Industrial Gases Manufacturing ChemicalsIndus29 Chemicals Inorganic Chemicals Manufacturing ChemicalsInorg30 Chemicals Organic Chemicals (NManufacturing ChemicalsOrgan31 Chemicals Pesticides Manufacturing ChemicalsPesti32 Chemicals Petrochemicals Manufacturing ChemicalsPetro33 Chemicals Polymers Manufacturing ChemicalsPolym34 Chemicals Refractories & inter Manufacturing ChemicalsRefra35 Computers Computer - Educatio Manufacturing ComputersCompu36 Computers Computer - SoftwareManufacturing ComputersCompu37 Computers Computers & ElectroManufacturing ComputersCompu38 Computers Computers & ElectronManufacturing ComputersCompu39 Construction Ceramic Tiles & Sani Manufacturing ConstructionCer40 Construction Construction Manufacturing ConstructionCo41 Construction Construction EquipmManufacturing ConstructionCo42 Construction Construction MateriaManufacturing ConstructionCo43 Containers & Packagi Packaging Manufacturing Containers & P44 Durables Electrical Goods Manufacturing DurablesElectr45 Durables Hardware, Plumbing Manufacturing DurablesHardwa46 Durables Professional & CommManufacturing DurablesProfes47 Energy Refineries Manufacturing EnergyRefineri48 Entertainment & Leis Hotels & RestaurantsManufacturing Entertainment 49 Entertainment & Leis Recreation & Amuse Manufacturing Entertainment 50 Entertainment & Leis Travel Services Manufacturing Entertainment &51 Finance Professional ServicesManufacturing FinanceProfessi52 FMCG FMCG Manufacturing FMCGFMCGManu53 Food & Beverages Beer, Wine & Distille Manufacturing Food & Beverag54 Food & Beverages Packaged Food Manufacturing Food & Beverag

55 Food & Beverages Soft Drinks Manufacturing Food & Beverag56 Food Processing Bakery Manufacturing Food Processin57 Food Processing Bottled Water Manufacturing Food Processin58 Food Processing Food & Beverages Manufacturing Food Processin59 Food Processing Food Processing Manufacturing Food Processin60 Food Processing Marine Products Manufacturing Food Processin61 Food Products Cocoa products & Manufacturing Food ProductsC62 Food Products Dairy Manufacturing Food ProductsD63 Food Products Food & Beverages Manufacturing Food ProductsF64 Food Products Food products (otherManufacturing Food ProductsF65 Food Products Marine foods Manufacturing Food ProductsM66 Food Products Tea Manufacturing Food ProductsT67 Gen Indl Services Industrial Services Manufacturing Gen Indl Servic68 Hardware Equipment Networking Manufacturing Hardware Equi69 Hardware Equipment Office Equipment Manufacturing Hardware Equip70 Healthcare Medical Equipment Manufacturing HealthcareMedi71 Healthcare Medical Supplies Manufacturing HealthcareMedi72 Healthcare Providers Diagnostic Centres Manufacturing Healthcare Prov73 Healthcare Providers Drugs & PharmaceuticManufacturing Healthcare Prov74 Healthcare Providers Hospitals Manufacturing Healthcare Prov75 Household Products Detergents & Interm Manufacturing Household Prod76 Household Products Dry Cells Manufacturing Household Prod77 Household Products Electronic Equipmen Manufacturing Household Prod78 Household Products Personal Care Manufacturing Household Prod79 Industrial equipment Abrasives & GrindingManufacturing Industrial equi80 Industrial equipment Bearings Manufacturing Industrial equ81 Industrial equipment Compressors Manufacturing Industrial equ82 Industrial equipment Electrical Equipment Manufacturing Industrial equi83 Industrial equipment Electrodes Graphite Manufacturing Industrial equi84 Industrial equipment Engineering Manufacturing Industrial equ85 Industrial equipment Engines Manufacturing Industrial equ86 Industrial equipment Fasteners Manufacturing Industrial equ87 Industrial equipment Industrial furnaces Manufacturing Industrial equi88 Industrial equipment Industrial machinery-Manufacturing Industrial equi89 Industrial equipment Industrial machinery Manufacturing Industrial equi90 Industrial equipment Machine Tools Manufacturing Industrial equ91 Industrial equipment Material handling e Manufacturing Industrial equ92 Industrial equipment Motors & generatorsManufacturing Industrial equ93 Industrial equipment Prime movers Manufacturing Industrial equ94 Industrial equipment Printing machinery Manufacturing Industrial equi95 Industrial equipment Pumps Manufacturing Industrial equ96 Industrial equipment Storage Batteries Manufacturing Industrial equi97 Industrial equipment Structure’s Manufacturing Industrial equi98 Industrial equipment Switching apparatus Manufacturing Industrial equ99 Industrial equipment Textiles Machinery Manufacturing Industrial equi

100 Industrial equipment Transformers Manufacturing Industrial equ101 Industrial equipment Transmission Line T Manufacturing Industrial equ102 Industrial equipment Turnkey Services Manufacturing Industrial equ103 Industrial equipment Valves Manufacturing Industrial equ104 Industrial equipment Welding machinery Manufacturing Industrial equ105 Institutions & Trusts Coaching Classes Manufacturing Institutions & 106 Jewellery Gems & Jewellery Manufacturing JewelleryGems 107 Media Advertising Manufacturing MediaAdvertisi108 Media Broadcasting Manufacturing MediaBroadcast109 Media Cable & Other pay telManufacturing MediaCable & Ot110 Media Post Production & A Manufacturing MediaPost Prod111 Media Publishing Manufacturing MediaPublishin112 Metals Aluminium & Alumin Manufacturing MetalsAlumini113 Metals Castings & forgings Manufacturing MetalsCastings 114 Metals Copper & copper proManufacturing MetalsCopper &115 Metals Ferro alloys Manufacturing MetalsFerro al116 Metals Ferrous metals Manufacturing MetalsFerrous 117 Metals Granite & other Non Manufacturing MetalsGranite 118 Metals Non-ferrous metals Manufacturing MetalsNon-ferr119 Metals Pig iron Manufacturing MetalsPig iron120 Metals Steel (manufacturingManufacturing MetalsSteel (m121 Metals Steel tubes & pipes Manufacturing MetalsSteel tu122 Metals Steel wires Manufacturing MetalsSteel wi123 Metals Wires and Cables Manufacturing MetalsWires an124 Mining Coal and Lignite Manufacturing MiningCoal and125 Mining Crude Oil and natura Manufacturing MiningCrude Oil126 Mining Minerals Manufacturing MiningMinerals127 Mining Non-ferrous metals Manufacturing MiningNon-ferr128 Non Store Retail Automatic Mortising Manufacturing Non Store Reta129 Non Store Retail Catalogue & Mail-or Manufacturing Non Store Retai130 Non Store Retail Direct Selling Manufacturing Non Store Retai131 Others Commission agents Manufacturing OthersCommissi132 Others Glass & Glass Produc Manufacturing OthersGlass & 133 Others Industries not classif Manufacturing OthersIndustrie134 Others Other general purpo Manufacturing OthersOther ge135 Others Wholesale traders r Manufacturing OthersWholesal136 Paints Paints & Varnishes Manufacturing PaintsPaints & 137 Paints Paints Equipment Manufacturing PaintsPaints E138 Paper Paper & Paper ProduManufacturing PaperPaper & P139 Petroleum Products Petroleum Products Manufacturing Petroleum Prod140 Petroleum Products Retail Sale of Autom Manufacturing Petroleum Prod141 Photographic & AlliedPhotographic & Allie Manufacturing Photographic & 142 Plastics Plastic Films Manufacturing PlasticsPlastic143 Plastics Plastic packaging go Manufacturing PlasticsPlastic144 Plastics Plastic resins Manufacturing PlasticsPlastic

145 Plastics Plastic tubes & sheetManufacturing PlasticsPlastic 146 Plastics Thermoplastics Manufacturing PlasticsThermop147 Professional Services Consultants Manufacturing Professional Se148 Professional Services Education ConsultingManufacturing Professional Se149 Professional Services Entertainment & medManufacturing Professional Se150 Professional Services Executive Search Manufacturing Professional Se151 Professional Services IT Consulting Manufacturing Professional Se152 Professional Services Legal Services (solici Manufacturing Professional Ser153 Professional Services Motion Picture producManufacturing Professional Se154 Professional Services Professionals Manufacturing Professional Se155 Professional Services Public Relations Manufacturing Professional Se156 Professional Services Technical consultanc Manufacturing Professional Se157 Rubber Rubber & rubber proManufacturing RubberRubber &158 Services Diversified Manufacturing ServicesDiversi159 Services - business HR & A/Medical Manufacturing Services - bus160 Services - CommunicaInternet Services Manufacturing Services - Comm161 Services - CommunicaOther communication sManufacturing Services - Comm162 Services - CommunicaTele communication Manufacturing Services - Com163 Services - Transport Water transport Manufacturing Services - Tran164 Software ERP & Computer Sof Manufacturing SoftwareERP & 165 Software ITES/ Call Centres Manufacturing SoftwareITES/ C166 Specialty Hobby, Toy, Game, CManufacturing SpecialtyHobby167 Specialty Books, Office SupplieManufacturing SpecialtyBooks,168 Specialty Contraceptives Manufacturing SpecialtyContr169 Specialty Home Furniture & FuManufacturing SpecialtyHome 170 Specialty Leather Footwear Manufacturing SpecialtyLeath171 Specialty Luggage & Leather G Manufacturing SpecialtyLugga172 Specialty Opticians Manufacturing SpecialtyOptici173 Specialty Other Leather produ Manufacturing SpecialtyOther174 Specialty Pens and Pencils Manufacturing SpecialtyPens a175 Specialty Sports Goods Manufacturing SpecialtySport176 Specialty Wood & Wood ProduManufacturing SpecialtyWood 177 Textiles Blended yarn Manufacturing TextilesBlende178 Textiles Textiles (other than cManufacturing TextilesTextiles179 Textiles Readymade GarmentManufacturing TextilesReadym180 Textiles Textiles - Cotton Manufacturing TextilesTextile181 Textiles Textiles - Silk Manufacturing TextilesTextiles182 Textiles Textiles - Synthetic Manufacturing TextilesTextile183 Textiles Woollen Textiles Manufacturing TextilesWoollen184 Transport Land Transportation Manufacturing TransportLand 185 Transportation LogistiClearing & ForwardinManufacturing Transportation 186 Transportation LogistiCourier Manufacturing Transportation 187 Transportation LogistiGoods Transport ServManufacturing Transportation 188 Transportation LogistiPassenger Transport Manufacturing Transportation 189 Transportation LogistiRoad Transport Manufacturing Transportation

190 Transportation LogistiStorage & Warehous Manufacturing Transportation191 Transportation LogistiWater Transport Manufacturing Transportation 192 Agri Products Animal Products Trading Agri ProductsAn193 Agri Products Coffee Trading Agri ProductsCo194 Agri Products Edible Oils Trading Agri ProductsEd195 Agri Products Fruit & nuts Trading Agri ProductsFr196 Agri Products Groceries & Related Trading Agri ProductsGr197 Agri Products Poultry & Meat Prod Trading Agri ProductsPo198 Agri Products Spices Trading Agri ProductsSp199 Agri Products Starches Trading Agri ProductsSt200 Agri Products Sugar Trading Agri ProductsSu201 Agri Products Tobacco Products Trading Agri ProductsT202 Agri Products Vegetables, roots an Trading Agri ProductsVe203 Automobiles 2 & 3 Wheelers Trading Automobiles2 &204 Automobiles Auto Ancillaries Trading AutomobilesAuto205 Automobiles Auto Design Trading AutomobilesAut206 Automobiles Cycle & Accessories Trading AutomobilesCyc207 Automobiles LCV's/ HCV's (CommerTrading AutomobilesLCV'208 Automobiles Passenger Cars Trading AutomobilesPas209 Automobiles Tractors Trading AutomobilesTra210 Automobiles Tyres Trading AutomobilesTyr211 Broad line/ Multiline General Merchandis Trading Broad line/ Mul212 Cement Cement products & asTrading CementCement p213 Chemicals Alkali's Trading ChemicalsAlkali214 Chemicals Carbon black Trading ChemicalsCarbo215 Chemicals Caustic Soda Trading ChemicalsCaust216 Chemicals Chemicals ( not defi Trading ChemicalsChemic217 Chemicals Dyes and Pigments Trading ChemicalsDyes 218 Chemicals Fertilizers (all catego Trading ChemicalsFertili219 Chemicals Industrial Gases Trading ChemicalsIndust220 Chemicals Inorganic Chemicals Trading ChemicalsInorga221 Chemicals Organic Chemicals (NTrading ChemicalsOrgani222 Chemicals Pesticides Trading ChemicalsPestic223 Chemicals Petrochemicals Trading ChemicalsPetro224 Chemicals Polymers Trading ChemicalsPolym225 Chemicals Refractories & inter Trading ChemicalsRefrac226 Computers Computer - Educatio Trading ComputersCompu227 Computers Computer - SoftwareTrading ComputersCompu228 Computers Computers & ElectroTrading ComputersCompu229 Computers Computers & ElectronTrading ComputersCompu230 Construction Ceramic Tiles & Sani Trading ConstructionCer231 Construction Construction Trading ConstructionCon232 Construction Construction EquipmTrading ConstructionCo233 Construction Construction MateriaTrading ConstructionCon234 Containers & Packagi Packaging Trading Containers & P

235 Durables Electrical Goods Trading DurablesElectri236 Durables Hardware, Plumbing Trading DurablesHardwa237 Durables Professional & CommTrading DurablesProfes238 Energy Refineries Trading EnergyRefinerie239 Entertainment & Leis Hotels & RestaurantsTrading Entertainment &240 Entertainment & Leis Recreation & Amuse Trading Entertainment 241 Entertainment & Leis Travel Services Trading Entertainment &242 Finance Professional ServicesTrading FinanceProfessi243 FMCG FMCG Trading FMCGFMCGTrad244 Food & Beverages Beer, Wine & Distille Trading Food & Beverage245 Food & Beverages Packaged Food Trading Food & Beverag246 Food & Beverages Soft Drinks Trading Food & Beverage247 Food Processing Bakery Trading Food Processin248 Food Processing Bottled Water Trading Food Processin249 Food Processing Food & Beverages Trading Food Processin250 Food Processing Food Processing Trading Food Processin251 Food Processing Marine Products Trading Food Processin252 Food Products Cocoa products & Trading Food ProductsC253 Food Products Dairy Trading Food ProductsD254 Food Products Food & Beverages Trading Food ProductsF255 Food Products Food products (otherTrading Food ProductsFo256 Food Products Marine foods Trading Food ProductsM257 Food Products Tea Trading Food ProductsT258 Gen Indl Services Industrial Services Trading Gen Indl Service259 Hardware Equipment Networking Trading Hardware Equi260 Hardware Equipment Office Equipment Trading Hardware Equip261 Healthcare Medical Equipment Trading HealthcareMedi262 Healthcare Medical Supplies Trading HealthcareMedic263 Healthcare Providers Diagnostic Centres Trading Healthcare Prov264 Healthcare Providers Drugs & PharmaceuticTrading Healthcare Prov265 Healthcare Providers Hospitals Trading Healthcare Prov266 Household Products Detergents & Interm Trading Household Prod267 Household Products Dry Cells Trading Household Produ268 Household Products Electronic Equipmen Trading Household Prod269 Household Products Personal Care Trading Household Prod270 Industrial equipment Abrasives & GrindingTrading Industrial equi271 Industrial equipment Bearings Trading Industrial equi272 Industrial equipment Compressors Trading Industrial equ273 Industrial equipment Electrical Equipment Trading Industrial equi274 Industrial equipment Electrodes Graphite Trading Industrial equi275 Industrial equipment Engineering Trading Industrial equi276 Industrial equipment Engines Trading Industrial equi277 Industrial equipment Fasteners Trading Industrial equi278 Industrial equipment Industrial furnaces Trading Industrial equi279 Industrial equipment Industrial machinery-Trading Industrial equi

280 Industrial equipment Industrial machinery Trading Industrial equi281 Industrial equipment Machine Tools Trading Industrial equ282 Industrial equipment Material handling e Trading Industrial equi283 Industrial equipment Motors & generatorsTrading Industrial equ284 Industrial equipment Prime movers Trading Industrial equ285 Industrial equipment Printing machinery Trading Industrial equi286 Industrial equipment Pumps Trading Industrial equ287 Industrial equipment Storage Batteries Trading Industrial equi288 Industrial equipment Structure’s Trading Industrial equi289 Industrial equipment Switching apparatus Trading Industrial equi290 Industrial equipment Textiles Machinery Trading Industrial equi291 Industrial equipment Transformers Trading Industrial equ292 Industrial equipment Transmission Line T Trading Industrial equi293 Industrial equipment Turnkey Services Trading Industrial equi294 Industrial equipment Valves Trading Industrial equi295 Industrial equipment Welding machinery Trading Industrial equ296 Institutions & Trusts Coaching Classes Trading Institutions & 297 Jewellery Gems & Jewellery Trading JewelleryGems 298 Media Advertising Trading MediaAdvertisi299 Media Broadcasting Trading MediaBroadcast300 Media Cable & Other pay telTrading MediaCable & Ot301 Media Post Production & A Trading MediaPost Prod302 Media Publishing Trading MediaPublishin303 Metals Aluminium & Alumin Trading MetalsAluminiu304 Metals Castings & forgings Trading MetalsCastings 305 Metals Copper & copper proTrading MetalsCopper &306 Metals Ferro alloys Trading MetalsFerro all307 Metals Ferrous metals Trading MetalsFerrous 308 Metals Granite & other Non Trading MetalsGranite 309 Metals Non-ferrous metals Trading MetalsNon-ferr310 Metals Pig iron Trading MetalsPig ironT311 Metals Steel (manufacturingTrading MetalsSteel (ma312 Metals Steel tubes & pipes Trading MetalsSteel tub313 Metals Steel wires Trading MetalsSteel wir314 Metals Wires and Cables Trading MetalsWires an315 Mining Coal and Lignite Trading MiningCoal and 316 Mining Crude Oil and natura Trading MiningCrude Oil317 Mining Minerals Trading MiningMinerals318 Mining Non-ferrous metals Trading MiningNon-ferr319 Non Store Retail Automatic Mortising Trading Non Store Retai320 Non Store Retail Catalogue & Mail-or Trading Non Store Retai321 Non Store Retail Direct Selling Trading Non Store Retail322 Others Commission agents Trading OthersCommissi323 Others Glass & Glass Produc Trading OthersGlass & G324 Others Industries not classif Trading OthersIndustries

325 Others Other general purpo Trading OthersOther ge326 Others Wholesale traders r Trading OthersWholesal327 Paints Paints & Varnishes Trading PaintsPaints & 328 Paints Paints Equipment Trading PaintsPaints E329 Paper Paper & Paper ProduTrading PaperPaper & P330 Petroleum Products Petroleum Products Trading Petroleum Prod331 Petroleum Products Retail Sale of Autom Trading Petroleum Produ332 Photographic & AlliedPhotographic & Allie Trading Photographic & 333 Plastics Plastic Films Trading PlasticsPlastic 334 Plastics Plastic packaging go Trading PlasticsPlastic335 Plastics Plastic resins Trading PlasticsPlastic 336 Plastics Plastic tubes & sheetTrading PlasticsPlastic 337 Plastics Thermoplastics Trading PlasticsThermop338 Professional Services Consultants Trading Professional Se339 Professional Services Education ConsultingTrading Professional Se340 Professional Services Entertainment & medTrading Professional Se341 Professional Services Executive Search Trading Professional Se342 Professional Services IT Consulting Trading Professional Se343 Professional Services Legal Services (solici Trading Professional Ser344 Professional Services Motion Picture producTrading Professional Se345 Professional Services Professionals Trading Professional Se346 Professional Services Public Relations Trading Professional Se347 Professional Services Technical consultanc Trading Professional Se348 Rubber Rubber & rubber proTrading RubberRubber &349 Services Diversified Trading ServicesDiversi350 Services - business HR & A/Medical Trading Services - busi351 Services - CommunicaInternet Services Trading Services - Comm352 Services - CommunicaOther communication sTrading Services - Comm353 Services - CommunicaTele communication Trading Services - Com354 Services - Transport Water transport Trading Services - Tran355 Software ERP & Computer Sof Trading SoftwareERP & 356 Software ITES/ Call Centres Trading SoftwareITES/ C357 Specialty Hobby, Toy, Game, CTrading SpecialtyHobby,358 Specialty Books, Office SupplieTrading SpecialtyBooks,359 Specialty Contraceptives Trading SpecialtyContra360 Specialty Home Furniture & FuTrading SpecialtyHome F361 Specialty Leather Footwear Trading SpecialtyLeathe362 Specialty Luggage & Leather G Trading SpecialtyLugga363 Specialty Opticians Trading SpecialtyOptici364 Specialty Other Leather produ Trading SpecialtyOther 365 Specialty Pens and Pencils Trading SpecialtyPens a366 Specialty Sports Goods Trading SpecialtySports367 Specialty Wood & Wood ProduTrading SpecialtyWood 368 Textiles Blended yarn Trading TextilesBlended369 Textiles Textiles (other than cTrading TextilesTextiles

370 Textiles Readymade GarmentTrading TextilesReadym371 Textiles Textiles - Cotton Trading TextilesTextiles372 Textiles Textiles - Silk Trading TextilesTextiles 373 Textiles Textiles - Synthetic Trading TextilesTextiles374 Textiles Woollen Textiles Trading TextilesWoollen375 Transport Land Transportation Trading TransportLand T376 Transportation LogistiClearing & ForwardinTrading Transportation 377 Transportation LogistiCourier Trading Transportation 378 Transportation LogistiGoods Transport ServTrading Transportation 379 Transportation LogistiPassenger Transport Trading Transportation 380 Transportation LogistiRoad Transport Trading Transportation 381 Transportation LogistiStorage & Warehous Trading Transportation 382 Transportation LogistiWater Transport Trading Transportation 383 Agri Products Animal Products Services Agri ProductsAn384 Agri Products Coffee Services Agri ProductsCo385 Agri Products Edible Oils Services Agri ProductsEdi386 Agri Products Fruit & nuts Services Agri ProductsFr387 Agri Products Groceries & Related Services Agri ProductsGr388 Agri Products Poultry & Meat Prod Services Agri ProductsPo389 Agri Products Spices Services Agri ProductsSp390 Agri Products Starches Services Agri ProductsSt391 Agri Products Sugar Services Agri ProductsSu392 Agri Products Tobacco Products Services Agri ProductsTo393 Agri Products Vegetables, roots an Services Agri ProductsVe394 Automobiles 2 & 3 Wheelers Services Automobiles2 &395 Automobiles Auto Ancillaries Services AutomobilesAuto396 Automobiles Auto Design Services AutomobilesAut397 Automobiles Cycle & Accessories Services AutomobilesCycl398 Automobiles LCV's/ HCV's (CommerServices AutomobilesLCV'399 Automobiles Passenger Cars Services AutomobilesPas400 Automobiles Tractors Services AutomobilesTra401 Automobiles Tyres Services AutomobilesTyr402 Broad line/ Multiline General Merchandis Services Broad line/ Mul403 Cement Cement products & asServices CementCement p404 Chemicals Alkali's Services ChemicalsAlkali405 Chemicals Carbon black Services ChemicalsCarbo406 Chemicals Caustic Soda Services ChemicalsCausti407 Chemicals Chemicals ( not defi Services ChemicalsChemic408 Chemicals Dyes and Pigments Services ChemicalsDyes 409 Chemicals Fertilizers (all catego Services ChemicalsFertili410 Chemicals Industrial Gases Services ChemicalsIndust411 Chemicals Inorganic Chemicals Services ChemicalsInorga412 Chemicals Organic Chemicals (NServices ChemicalsOrgani413 Chemicals Pesticides Services ChemicalsPestic414 Chemicals Petrochemicals Services ChemicalsPetro

415 Chemicals Polymers Services ChemicalsPolym416 Chemicals Refractories & inter Services ChemicalsRefrac417 Computers Computer - Educatio Services ComputersCompu418 Computers Computer - SoftwareServices ComputersCompu419 Computers Computers & ElectroServices ComputersCompu420 Computers Computers & ElectronServices ComputersComput421 Construction Ceramic Tiles & Sani Services ConstructionCer422 Construction Construction Services ConstructionCon423 Construction Construction EquipmServices ConstructionCo424 Construction Construction MateriaServices ConstructionCon425 Containers & Packagi Packaging Services Containers & Pa426 Durables Electrical Goods Services DurablesElectri427 Durables Hardware, Plumbing Services DurablesHardwa428 Durables Professional & CommServices DurablesProfes429 Energy Refineries Services EnergyRefinerie430 Entertainment & Leis Hotels & RestaurantsServices Entertainment &431 Entertainment & Leis Recreation & Amuse Services Entertainment 432 Entertainment & Leis Travel Services Services Entertainment &433 Finance Professional ServicesServices FinanceProfessi434 FMCG FMCG Services FMCGFMCGServ435 Food & Beverages Beer, Wine & Distille Services Food & Beverage436 Food & Beverages Packaged Food Services Food & Beverag437 Food & Beverages Soft Drinks Services Food & Beverage438 Food Processing Bakery Services Food Processin439 Food Processing Bottled Water Services Food Processing440 Food Processing Food & Beverages Services Food Processin441 Food Processing Food Processing Services Food Processing442 Food Processing Marine Products Services Food Processin443 Food Products Cocoa products & Services Food ProductsC444 Food Products Dairy Services Food ProductsDa445 Food Products Food & Beverages Services Food ProductsF446 Food Products Food products (otherServices Food ProductsFo447 Food Products Marine foods Services Food ProductsM448 Food Products Tea Services Food ProductsT449 Gen Indl Services Industrial Services Services Gen Indl Service450 Hardware Equipment Networking Services Hardware Equip451 Hardware Equipment Office Equipment Services Hardware Equip452 Healthcare Medical Equipment Services HealthcareMedi453 Healthcare Medical Supplies Services HealthcareMedic454 Healthcare Providers Diagnostic Centres Services Healthcare Prov455 Healthcare Providers Drugs & PharmaceuticServices Healthcare Prov456 Healthcare Providers Hospitals Services Healthcare Prov457 Household Products Detergents & Interm Services Household Prod458 Household Products Dry Cells Services Household Produ459 Household Products Electronic Equipmen Services Household Prod

460 Household Products Personal Care Services Household Prod461 Industrial equipment Abrasives & GrindingServices Industrial equi462 Industrial equipment Bearings Services Industrial equi463 Industrial equipment Compressors Services Industrial equ464 Industrial equipment Electrical Equipment Services Industrial equi465 Industrial equipment Electrodes Graphite Services Industrial equi466 Industrial equipment Engineering Services Industrial equi467 Industrial equipment Engines Services Industrial equi468 Industrial equipment Fasteners Services Industrial equi469 Industrial equipment Industrial furnaces Services Industrial equi470 Industrial equipment Industrial machinery-Services Industrial equi471 Industrial equipment Industrial machinery Services Industrial equi472 Industrial equipment Machine Tools Services Industrial equi473 Industrial equipment Material handling e Services Industrial equi474 Industrial equipment Motors & generatorsServices Industrial equi475 Industrial equipment Prime movers Services Industrial equ476 Industrial equipment Printing machinery Services Industrial equi477 Industrial equipment Pumps Services Industrial equ478 Industrial equipment Storage Batteries Services Industrial equi479 Industrial equipment Structure’s Services Industrial equi480 Industrial equipment Switching apparatus Services Industrial equi481 Industrial equipment Textiles Machinery Services Industrial equi482 Industrial equipment Transformers Services Industrial equi483 Industrial equipment Transmission Line T Services Industrial equi484 Industrial equipment Turnkey Services Services Industrial equi485 Industrial equipment Valves Services Industrial equi486 Industrial equipment Welding machinery Services Industrial equ487 Institutions & Trusts Coaching Classes Services Institutions & 488 Jewellery Gems & Jewellery Services JewelleryGems &489 Media Advertising Services MediaAdvertisin490 Media Broadcasting Services MediaBroadcast491 Media Cable & Other pay telServices MediaCable & Ot492 Media Post Production & A Services MediaPost Prod493 Media Publishing Services MediaPublishin494 Metals Aluminium & Alumin Services MetalsAluminiu495 Metals Castings & forgings Services MetalsCastings 496 Metals Copper & copper proServices MetalsCopper &497 Metals Ferro alloys Services MetalsFerro all498 Metals Ferrous metals Services MetalsFerrous m499 Metals Granite & other Non Services MetalsGranite 500 Metals Non-ferrous metals Services MetalsNon-ferr501 Metals Pig iron Services MetalsPig ironS502 Metals Steel (manufacturingServices MetalsSteel (ma503 Metals Steel tubes & pipes Services MetalsSteel tub504 Metals Steel wires Services MetalsSteel wir

505 Metals Wires and Cables Services MetalsWires and506 Mining Coal and Lignite Services MiningCoal and 507 Mining Crude Oil and natura Services MiningCrude Oil508 Mining Minerals Services MiningMinerals509 Mining Non-ferrous metals Services MiningNon-ferr510 Non Store Retail Automatic Mortising Services Non Store Retai511 Non Store Retail Catalogue & Mail-or Services Non Store Retai512 Non Store Retail Direct Selling Services Non Store Retail513 Others Commission agents Services OthersCommissi514 Others Glass & Glass Produc Services OthersGlass & G515 Others Industries not classif Services OthersIndustries516 Others Other general purpo Services OthersOther ge517 Others Wholesale traders r Services OthersWholesale518 Paints Paints & Varnishes Services PaintsPaints & 519 Paints Paints Equipment Services PaintsPaints Eq520 Paper Paper & Paper ProduServices PaperPaper & P521 Petroleum Products Petroleum Products Services Petroleum Prod522 Petroleum Products Retail Sale of Autom Services Petroleum Produ523 Photographic & AlliedPhotographic & Allie Services Photographic & 524 Plastics Plastic Films Services PlasticsPlastic 525 Plastics Plastic packaging go Services PlasticsPlastic 526 Plastics Plastic resins Services PlasticsPlastic 527 Plastics Plastic tubes & sheetServices PlasticsPlastic 528 Plastics Thermoplastics Services PlasticsThermop529 Professional Services Consultants Services Professional Se530 Professional Services Education ConsultingServices Professional Se531 Professional Services Entertainment & medServices Professional Se532 Professional Services Executive Search Services Professional Se533 Professional Services IT Consulting Services Professional Ser534 Professional Services Legal Services (solici Services Professional Ser535 Professional Services Motion Picture producServices Professional Ser536 Professional Services Professionals Services Professional Se537 Professional Services Public Relations Services Professional Ser538 Professional Services Technical consultanc Services Professional Se539 Rubber Rubber & rubber proServices RubberRubber &540 Services Diversified Services ServicesDiversif541 Services - business HR & A/Medical Services Services - busi542 Services - CommunicaInternet Services Services Services - Comm543 Services - CommunicaOther communication sServices Services - Comm544 Services - CommunicaTele communication Services Services - Comm545 Services - Transport Water transport Services Services - Tran546 Software ERP & Computer Sof Services SoftwareERP & 547 Software ITES/ Call Centres Services SoftwareITES/ C548 Specialty Hobby, Toy, Game, CServices SpecialtyHobby,549 Specialty Books, Office SupplieServices SpecialtyBooks,

550 Specialty Contraceptives Services SpecialtyContra551 Specialty Home Furniture & FuServices SpecialtyHome F552 Specialty Leather Footwear Services SpecialtyLeathe553 Specialty Luggage & Leather G Services SpecialtyLuggag554 Specialty Opticians Services SpecialtyOptici555 Specialty Other Leather produ Services SpecialtyOther 556 Specialty Pens and Pencils Services SpecialtyPens a557 Specialty Sports Goods Services SpecialtySports558 Specialty Wood & Wood ProduServices SpecialtyWood 559 Textiles Blended yarn Services TextilesBlended560 Textiles Textiles (other than cServices TextilesTextiles561 Textiles Readymade GarmentServices TextilesReadym562 Textiles Textiles - Cotton Services TextilesTextiles563 Textiles Textiles - Silk Services TextilesTextiles 564 Textiles Textiles - Synthetic Services TextilesTextiles565 Textiles Woollen Textiles Services TextilesWoollen566 Transport Land Transportation Services TransportLand T567 Transportation LogistiClearing & ForwardinServices Transportation 568 Transportation LogistiCourier Services Transportation 569 Transportation LogistiGoods Transport ServServices Transportation 570 Transportation LogistiPassenger Transport Services Transportation 571 Transportation LogistiRoad Transport Services Transportation 572 Transportation LogistiStorage & Warehous Services Transportation 573 Transportation LogistiWater Transport Services Transportation

7 8 9 10 11 12 13

Margin Sector Sub Sector6.80% Agri Products Animal Products

16.16% Agri Products Coffee9.88% Agri Products Edible Oils9.68% Agri Products Fruit & nuts

20.98% Agri Products Groceries & Related Products 7.05% Agri Products Poultry & Meat Products

17.91% Agri Products Spices9.08% Agri Products Starches

16.18% Agri Products Sugar

6.83% Agri Products Tobacco Products17.70% Agri Products Vegetables, roots and tubers11.14% Automobiles 2 & 3 Wheelers11.54% Automobiles Auto Ancillaries

NA Automobiles Auto Design7.73% Automobiles Cycle & Accessories8.01% Automobiles LCV's/ HCV's (Commercial Vehicles)5.46% Automobiles Passenger Cars

13.94% Automobiles Tractors8.08% Automobiles Tyres

NA Broad line/ MultGeneral Merchandise13.57% Cement Cement products & asbestos products (trader)18.01% Chemicals Alkali's

8.52% Chemicals Carbon black6.00% Chemicals Caustic Soda

15.10% Chemicals Chemicals ( not defined elsewhere)11.87% Chemicals Dyes and Pigments11.39% Chemicals Fertilizers (all categories)17.99% Chemicals Industrial Gases11.19% Chemicals Inorganic Chemicals (Not Defined Elsewhere)12.35% Chemicals Organic Chemicals (Not Defined Elsewhere)

8.50% Chemicals Pesticides11.09% Chemicals Petrochemicals13.13% Chemicals Polymers10.11% Chemicals Refractories & intermediates

NA Computers Computer - EducationNA Computers Computer - Software

12.08% Computers Computers & Electronics10.08% Computers Computers & Electronics - IT- Hardware14.17% Construction Ceramic Tiles & Sanitaryware13.60% Construction Construction11.76% Construction Construction Equipment13.35% Construction Construction Materials11.80% Containers & PaPackaging

8.80% Durables Electrical Goods6.98% Durables Hardware, Plumbing & Heating Equipment

12.63% Durables Professional & Commercial Equipment8.97% Energy Refineries

NA Entertainment &Hotels & RestaurantsNA Entertainment &Recreation & AmusementNA Entertainment &Travel ServicesNA Finance Professional Services

11.23% FMCG FMCG15.26% Food & BeveragBeer, Wine & Distilled

6.49% Food & BeveragPackaged Food

6.22% Food & BeveragSoft Drinks7.38% Food Processin Bakery

12.50% Food Processin Bottled Water11.29% Food Processin Food & Beverages12.88% Food Processin Food Processing10.61% Food Processin Marine Products11.96% Food Products Cocoa products &

9.43% Food Products DairyNA Food Products Food & Beverages

8.00% Food Products Food products (other than poultry and meat)NA Food Products Marine foods

14.26% Food Products TeaNA Gen Indl Servic Industrial Services

12.50% Hardware Equi Networking8.87% Hardware Equi Office Equipment

14.43% Healthcare Medical Equipment14.12% Healthcare Medical Supplies

NA Healthcare ProvDiagnostic Centres19.65% Healthcare ProvDrugs & Pharmaceuticals, Drug Proprietary & Druggists' Sundries

NA Healthcare ProvHospitals13.45% Household ProdDetergents & Intermediates10.01% Household ProdDry Cells

9.18% Household ProdElectronic Equipment19.56% Household ProdPersonal Care15.36% Industrial equi Abrasives & Grinding13.90% Industrial equi Bearings15.14% Industrial equi Compressors19.08% Industrial equi Electrical Equipments14.60% Industrial equi Electrodes Graphite10.50% Industrial equi Engineering

9.74% Industrial equi Engines8.44% Industrial equi Fasteners

10.03% Industrial equi Industrial furnaces13.47% Industrial equi Industrial machinery- chemical and textiles10.89% Industrial equi Industrial machinery (excl. chem. & text.)13.79% Industrial equi Machine Tools

9.91% Industrial equi Material handling equipments7.95% Industrial equi Motors & generators

17.80% Industrial equi Prime movers14.92% Industrial equi Printing machinery13.13% Industrial equi Pumps10.44% Industrial equi Storage Batteries

9.32% Industrial equi Structure’s8.90% Industrial equi Switching apparatus

18.46% Industrial equi Textiles Machinery

13.21% Industrial equi Transformers11.06% Industrial equi Transmission Line Towers

NA Industrial equi Turnkey Services9.70% Industrial equi Valves

14.39% Industrial equi Welding machineryNA Institutions & T Coaching Classes

6.18% Jewellery Gems & JewelleryNA Media AdvertisingNA Media BroadcastingNA Media Cable & Other pay television servicesNA Media Post Production & AnimationNA Media Publishing

12.80% Metals Aluminium & Aluminium9.71% Metals Castings & forgings7.13% Metals Copper & copper products7.51% Metals Ferro alloys

13.90% Metals Ferrous metals19.85% Metals Granite & other Non-Metal12.35% Metals Non-ferrous metals

3.88% Metals Pig iron12.66% Metals Steel (manufacturing)

9.52% Metals Steel tubes & pipes10.35% Metals Steel wires

9.97% Metals Wires and Cables8.06% Mining Coal and Lignite

19.01% Mining Crude Oil and natural gas19.03% Mining Minerals14.99% Mining Non-ferrous metals

NA Non Store RetaiAutomatic MortisingNA Non Store RetaiCatalogue & Mail-orderNA Non Store RetaiDirect SellingNA Others Commission agents

9.88% Others Glass & Glass Products8.40% Others Industries not classified

17.08% Others Other general purposeNA Others Wholesale traders reporting only commission income

12.50% Paints Paints & Varnishes21.00% Paints Paints Equipment

8.55% Paper Paper & Paper Products15.08% Petroleum ProdPetroleum Products

NA Petroleum ProdRetail Sale of Automotive11.41% Photographic & Photographic & Allied13.27% Plastics Plastic Films10.88% Plastics Plastic packaging goods

8.50% Plastics Plastic resins

8.77% Plastics Plastic tubes & sheets, other plastic products14.97% Plastics Thermoplastics

NA Professional SerConsultantsNA Professional SerEducation ConsultingNA Professional SerEntertainment & media content providerNA Professional SerExecutive SearchNA Professional SerIT ConsultingNA Professional SerLegal Services (solicitor firms)NA Professional SerMotion Picture production, distribution & exhibitionNA Professional SerProfessionalsNA Professional SerPublic RelationsNA Professional SerTechnical consultancy & engineering services

18.29% Rubber Rubber & rubber productsNA Services DiversifiedNA Services - busin HR & A/MedicalNA Services - Com Internet ServicesNA Services - Com Other communication services (wireless services, Telex Services, Fax services, Pager Services, Other telephone services, other communication services)NA Services - Com Tele communication servicesNA Services - Trans Water transportNA Software ERP & Computer SoftwaresNA Software ITES/ Call CentresNA Specialty Hobby, Toy, Game, Camera & Photographic Supply Stores

20.06% Specialty Books, Office Supplies & Stationery16.88% Specialty Contraceptives

9.43% Specialty Home Furniture & Furnishing13.34% Specialty Leather Footwear13.68% Specialty Luggage & Leather Goods15.30% Specialty Opticians

6.14% Specialty Other Leather products8.00% Specialty Pens and Pencils

19.30% Specialty Sports Goods10.14% Specialty Wood & Wood Products14.05% Textiles Blended yarn

5.09% Textiles Textiles (other than cotton, jute & yarn, silk and synthetics)12.31% Textiles Readymade Garments10.34% Textiles Textiles - Cotton10.01% Textiles Textiles - Silk

9.43% Textiles Textiles - Synthetic13.36% Textiles Woollen Textiles

9.30% Transport Land TransportationNA Transportation LClearing & Forwarding agentsNA Transportation LCourierNA Transportation LGoods Transport ServicesNA Transportation LPassenger Transport Services (Road)NA Transportation LRoad Transport

NA Transportation LStorage & WarehousingNA Transportation LWater Transport

3.95%8.81%3.81%3.95%

19.22%6.70%7.00%8.50%3.00%9.27%9.19%

12.47%12.54%

NA7.80%3.55%

10.84%13.50%

9.03%8.60%4.65%6.10%4.89%5.87%6.35%8.27%

12.19%14.30%11.07%

7.80%12.18%

7.20%6.92%7.90%

NANA

7.98%8.99%

14.53%NANA

7.40%9.45%

8.56%4.25%

12.63%NANANANANA

7.90%13.55%

3.95%8.00%8.21%8.00%

NANANA

10.55%5.00%8.00%7.00%7.50%

13.65%NA

4.70%8.87%

14.09%14.92%

NA16.70%

NA6.16%8.03%8.59%9.78%

13.28%13.90%

NA8.93%

11.02%10.50%

5.67%4.06%5.11%

13.17%

11.43%13.08%10.09%

8.36%17.80%11.07%11.14%12.01%

NA4.16%

18.52%12.26%11.06%

NA8.10%

14.67%NA

5.85%NANANANANA

10.97%11.36%

7.42%7.93%

13.65%11.82%12.30%

6.90%NA

6.03%3.47%7.75%3.84%

11.01%11.28%12.30%

NANANANA

9.31%NA

10.00%5.67%

12.50%12.20%15.37%

NA5.30%

11.41%11.03%11.03%

8.50%10.59%10.95%

NANANANANANANANANANA

8.99%NANANANANANANANANA

19.30%16.88%10.99%11.40%

NA8.60%8.76%8.00%8.60%

11.13%13.52%

9.30%

8.28%5.80%4.88%4.87%5.81%3.60%

NANANANANANANANANANANANANANANANANANANANA

12.73%NANANANANANANANANANANANANANANANANANA

NANA

15.59%29.77%17.67%17.67%

NANA

12.32%NA

15.00%NA

6.90%12.63%

NA26.42%22.23%21.62%42.92%

NANANANANANANANANANANA

15.52%NANANA

12.40%15.60%

8.87%NANA

15.79%NA

24.06%NANANA

NANANANANANANANANANANANANANANANANANANANANANANANA

10.90%NANA

29.40%11.00%23.88%29.32%

8.98%23.90%15.96%

NANANANANANANANANANANA

NANANANANA

12.40%12.40%12.40%

5.90%NANANANANANANANANANANANANANANA

20.79%24.29%28.50%25.00%12.62%30.00%22.80%19.83%20.00%17.30%

NA17.38%24.18%

6.10%30.00%16.47%34.52%19.42%21.52%20.06%

NA

NANANANANANANANANANANANANANANANANA

18.19%10.65%

6.60%13.10%

8.41%24.21%30.84%

Additional Notes / Remarks / Attachable Objects

811

ConstructionCeramic Tiles & SanitarywareManufacturer

Drugs & Pharmaceuticals, Drug Proprietary & Druggists' Sundries

Other communication services (wireless services, Telex Services, Fax services, Pager Services, Other telephone services, other communication services)

Business Loan - Credit Approval Memo

Main Applicant JAYANT ENTERPRISES

Joint Applicant JAYANTI GARG

Marital status MarriedEducation 0channel DSAProduct Program Verified income programBusiness Name JAYANT ENTERPRISES Industry 0Industry Type GrowingLoan Applied for 5000000Priority Sector Lending Retail Traders

Age of Applicant 65 Age Criteria not met

Residence / Office StabilityCriteria Actual Deviation

<> Rented 0

No

Ownership of Office <> Rented 0

Tele - Contact AbilityType of Connection

Residence Landline/WLL/Post paid Mobile Landline

Yes

Office Landline/WLL/Post paid Mobile Landline

Employment Details

>=3 Years 0 Yes

Total no.of yrs in Business >=3 Years 0 Yes

Repayment Track Record

Is RTR provided? Yes

Name of Bank 0

Type of Loan 0

Is Loan Live or Closed? 0

Ownership of Residence of Co-Applicant

No.of yrs of Business from the Current Premises

RTR Loan Amount 0

Total No. of live unsecured Loans 0 No

Criteria Actual

Period since Closure Not Applicable 0 Not Applicable

Seasoning Not Applicable 0 Not Applicable

2 0 No

0 0 No

0 0 No

Loan AmountMinimum Rs.3 Lacs

- YesMaximum -11623850Eligible Loan Amount in lacs (11,623,850.00)

Loan TenorMinimum 12 Months

36 NoMaximum 36 Months

ROI 19.50% 19.50% No

PF 2.00% 2.25% No

Banking parameters

Aging of OD/CC limit NA NA NA

Total Credit of the 6 months >=40% of the previous year Turnover 10629269 Yes

ABB Norms 1 time of proposed EMI

1% 2.38% RCM Level Deviation

3% 0.00% No

Financial DetailsTurnover >=Rs. 1 Cr 54,535,500.00 NoTrend of TurnOver Increasing Increasing No

Net Income for the Latest Yr 1,105,782.00 No

Debt Equity Ratio <=2.5 1.41 NoInterest Coverage Ratio >=2 2.57 NoCurrent Ratio Norms >=1 2.14 NoTOL/TNW Norms <=4 1.41 NoDebt Service coverage ratio >=1.25 0.20 Yes

No.of Cheque Returns (in the last 12 Months)



%age of Inward cheque Returns (in Last 6 Months)

%age of Outward cheque Returns (in Last 6 Months)

>=Rs.3 Lacs (For Partnership/LTD company consider Total Income)

Net Worth 5,952,837.00 No

43290.1 - No

2061862.66666667 - No

Debtors Collection Period <=120 Days 81.47 NoCreditors Payment Period <=120 Days 53.47 NoProfit for Last 2 Years Positive Negative YesNet Worth for 1st Year Positive Positive NoNet Worth for 2nd Year Positive Positive No

>=6 Months Yes

Ageing of Last ITR <=12 Months No

VerificationsCPV Vendor Name Katiyal & Associates

RCU Vendor Name A. B. Associates

Residence FI Positive 0 No

Office FI Positive 0 No

FI DEDUPE Positive 0 No

Negative Profile Others No

Caution Profile Others No

CIBIL Positive Positive No

External DEDUPE Positive 0 No

Internal DEDUPE Positive Negative YesRCU Positive 0 No

Trade Referance 1 Positive 0 No

If Loan Amt of <=7.50 Lacs, Networth should be >=Rs.25 LacsIf Loan Amt of >7.50 Lacs, Networth should be >=Rs.50 Lacs

Commitment as a % of PBDIT Not to Exceed 2%

Recent Borrowing (Not more than 1/3rd)

No. of Months between 2 consecutive ITR's

Not in Negative Profile list

Not in Caution Profile List

Trade Referance 2 Positive 0 No

RBI Data base as per cibil site Positive Positive No

Other DeviationsDescription

Deviations :-

Debt Service coverage ratio norms not met - 0.20against the norms >=1.25

Profit For Last 2 Years - Negative

Internal dedup IN NEGATIVE

Banking norms not met - 19.49against the norms 40%

Total I/w cheque is 2.38% against the norms of 1%

Details & Documents reqd : -

Trade refrences

ALL KYC REQ.

Complete loans details as per EMI sheet required

Some emi are not reflecting in banking ----complete banking reqd with existing loan emi clearance----

Business continuity proof

NOTE :-

Subject to :-

PDC Details

Bank NameBANK OF BARODA

#REF!

Branch NameINDORE

INDORE

Final Loan Amount Approved (in Rs.) 0

Final Tenor Approved (in Months) 36

ADDITIONAL NORMS FOR LOAN AMOUNT OF RS. 50 LACS

NORMS ACTUALSTurnover 35crores 54535500

Net worth 3 crores 5952837

PAT 40lacs 1105782

Business stability 7 years 0

Debtor collection days <=120days 81

Creditors Payment date: <=120 days 53

DSCR >=1.50 0

TOL/TNW <=3 1

Banking norms >=60% of previous year turnover 19

Repayment track

Recent Borrowing

0

Commitment as a %of PBDIT Not to exceed 2%. 0

NORMS FOR TURNOVER BASED PROGRAM(New)Particulars Criterion Actuals Met/Not Met

Min Loan Amount 5 lacs0 Not Met

Met / Not met

75% of eligible loan amount with 12 month seasoning

Not more than 1/3rd of unsecured Loan and LAP should have been

borrowed within last one year post the Balance Sheet Date

Max Loan Amount 20 lacs0 Not Met

Min Tenure 12 months36 Met

Max Tenure(for all applicants) 36 months

Turnover54535500 Not Met

1% Met

Banking parameters 0 Not Met

Cheque Return Criteria0 Met

0 Met

Unsecured Loans Criteria Not Met

CC / OD Limit Criteria

0 Met

Not Met

Not Met

Not Met

Net worth5952837

Met

For Loan amount upto Rs 15 Lacs :Min T/O of >= Rs 1 crore

required. For loan amount above Rs 15 lacs: Minimum T/O of >= Rs 3 crore. Any increase in turnover of > 50% as compared

to previous year should be averaged.

No Dip should be reported in current year

At least 40% of previous year’s turnover should reflect in 6

months current banking

I/w Cheque returns should not exceed 1% of total cheques

issued.

O/w cheque returns should not exceed 3% of the total cheques

Applicant should not have availed more than three unsecured loans OR more than One LAP loan OR

one LAP and >= 1 unsecured loan in last 6 months

Minimum CC / OD of Rs 25 lacs required for a loan amount above

Rs 10 lacs.

(i) CC limit should not be overdrawn for 30 days prior to

loan application

(ii) If the limit is overutilised and not regularized within three days then Letter of Adhoc limit

should be obtained and documented

There should be no I/w cheque returns during the period of

overutilization

Networth to be positive forcurrent year

Net worth3204561

Met

Cash profit 1322615 Not Met

DSCR 0.20 Met

VAT Returns - Not Met

RTR Criteria Not Met

D/E ratio D/E ratio <= 2.5 1.41 Met

Cibil Score Not Met

ITR Not Met

Networth to be positive forcurrent year

· Minimum Cash profit >=Rs 3 lacs for loan amount between Rs

5 lacs to Rs 10 lacs.

Minimum Cash Profit >= Rs 4 lacs for loan amount above Rs 10 lacs upto Rs 20 lacs (Cash profit should not decline over previous

year)

(i)DSCR not applicable for Loan upto Rs 15 Lakh

(ii) DCSR >= 0.75 For loan > Rs 15lakh

(iii)DSCR upto 0.5 can be approved at PCH level

VAT returns for the current year to be documented to verify the

turnover.

· RTR of AL, PL, BL, HL, HE & Term Loan (with monthly

repayments )of 50% of the proposed loan amount for loan

amount upto Rs 10 lacs.

RTR of AL,BL,PL,HL , HE & Term Loan (with monthly repayments)

of 75% of the proposed loan amount for loan amount above Rs

10lacs

Individual Cibil score of the Co-applicant to be generated and

should be >= 700

Minimum ITR : Rs 2.00 lacs (Minimum income from business

to be atleast Rs 2.00 lacs)

Business Loan - Credit Approval Memo Additional Notes / Remarks / Attachable ObjectsDate of Application 10/28/2015

JAYANT ENTERPRISES Webtop No. 284BL0000837

JAYANTI GARG proprietor

Married Region West0 City INDORE DSA Purpose of Loan Working CapitalVerified income program IRR 20%JAYANT ENTERPRISES EMI 00 Constitution ProprietorshipGrowing Nature of business Trading retailer5000000 Risk LowRetail Traders

Age Criteria not met

Deviation Comments

No

Yes

For Resi contactability proof :-

Yes As per application form / FI / PD Reports :-

Yes As per application form / FI / PD Reports :-

Yes

0

0

0

Relationship with Applicant

For Photo ID, DOB, Sign proof :- For Relation Proof :- For Resi address Proof :- For Office address Proof :- For Resi or office Ownership proof :- For Latest 3 years Business continuity proof :- Any other Docs :-

For office Contactability proof :-

: RTR Criteria :

Loans above 35 Lacs has to be supported with Unsecured RTR of 75% of the Eligible Loan amount with 12 month seasoning.

Loan a/c conduct:There should not have been more than one Cheques bounce in the last 12 months and never in last 3 months in relation to any of the loan accounts. The bounced Cheques should have been repaid within 30 days of the EMI due date.

0

No

Comments

Not Applicable

Not Applicable

No

No

No

Yes

No

No

No

NA

Yes 19.4905501920767

RCM Level Deviation

No

No Minimum Turnover of Rs. 1 Crore for all BL Cases.

No

No

NoNoNo

: RTR Criteria :

Loans above 35 Lacs has to be supported with Unsecured RTR of 75% of the Eligible Loan amount with 12 month seasoning.

Loan a/c conduct:There should not have been more than one Cheques bounce in the last 12 months and never in last 3 months in relation to any of the loan accounts. The bounced Cheques should have been repaid within 30 days of the EMI due date.

No more than 2 EMI Bounce in existing track per year paid within 30 days to be approved at PCH Level

Maximum loan amount Rs. 35 lacs and Minimum loan amount of Rs. 3 lacs

Bank Name & A/c No. :- OD/CC limit as per sanction letter :- OD/CC limit against what :-

AY 2015 -16 ITR Copy GTI of Rs. NOT PROVIDEDAY 2014 -15 ITR Copy GTI of Rs.11516447/-

YesNoNo

Yes

No AY 2015 - 16 :- NOT PROVIDED

Katiyal & Associates

A. B. Associates

No

No

No FI Dedup Comments with status : report awaited

No NA

No NA

No

No External dedup comments with status : report awaited

Yes Internal dedup comments with status : positive.

No RCU Comments with Status : report awaited

No

AY 2014 - 15 :- 22-11-2014

Resi FI Comments with status : report awaitedResi TVR Comments with status : report awaited

Office FI Comments with status : report awaitedOffice TVR Comments with status : report awaited

1st Co-applicant Name :- JBYANTI LAL NANDRAM GRAGCibil status : positive.Cibil Score : TUS-833No. of enquiries in last 3 months :- NA.

Trade Reference :- 01 - Company Name :- Contact no. :- Concered person name :-

No

No Comments of Cibil Site :- positive.

Description Comments

Deviations :-

Debt Service coverage ratio norms not met - 0.20against the norms >=1.25

Profit For Last 2 Years - Negative

Internal dedup IN NEGATIVE

Banking norms not met - 19.49against the norms 40%

Total I/w cheque is 2.38% against the norms of 1%

Details & Documents reqd : -

Trade refrences

ALL KYC REQ.

Complete loans details as per EMI sheet required

Some emi are not reflecting in banking ----complete banking reqd with existing loan emi clearance----

Business continuity proof

NOTE :-

Subject to :-

Trade Reference :- 02 - Company Name :- Contact no. :- Concered person name :-

BANK OF BARODAAccount type

Current A/c

#REF! Current A/c

INDORE Account No.

18590200000504,

INDORE 024105002842,

Name of the Credit Manager

Signature of the Credit Manager

Y MetAny Loan

track

Not required for loan above Rs 10 Lakh if there is a loan track (Any Loan except HL) of equivalent/more valueas the proposed loan value with no bounce reported in last 12 months.

580% Met

-100% Not Met

Change in Cash Profit

(Vat - Turnover) / Turnover

Financial Analysis Tool

Tuesday, April 18, 2023 Current Yr Previous Yr

PROFIT & LOSS ACCOUNT 31-3-15 31-3-14A Sales excluding other incomes 54535500 53984482B Cost of goods sold (COGS) 50648106 49778493

C Gross Profits (GP) 3887394 4205989

Gross Margin % 7.1% 7.8%

D Other exp. (incl.prtnr's sal& int.) 1768111 3159917

d1 Add back Partner's/Directors Salary

d2 And Partner's Interest

E Business Margins 2119283 1046072

Business Margins % 3.9% 1.9%

F Other Incomes 45222 103842

G Profit before Depreciation, Interest & Tax (PBDIT) (E+F) 2164505 1149914

H PBDIT (C14-C9-C10) 2164505 1149914

Interest to FI and Banks 841890 770640

Interest to Private Parties

I Total Interest Paid 841890 770640

Profit Before Depreciation & Tax (PBDT) 1322615 379274

J Depreciation 216833 253602

Profit before Tax (PBT) 1105782 125672K Tax paid 184661

Profit After Tax (PAT) 1105782 -58989

L Post tax Cash profits + sal. + partners int. 1322615 194613

Net Profit Ratio 2.03% 0.23%

1105782 1149915

BALANCE SHEET 31-3-15 31-3-14a Share Capital 5952837 3204561b Reserves and Surplusc Advances to group co./friendsd From Family and Friendse Misc. Exp. Not written off

Total Equity Fund 5952837 3204561

f Secured Debts 6185588 4712893g Unsecured Debt - PL 2511901

h Unsecured Debt - others 2200317

Total Outside Debts 8385905 7224794

Total Fund in the business 14338742 10429355

i Gross Fixed Assets 1580937 1834537Less : Depreciation 216833 253602

Net Fixed Assets 1364104 1580935

j Investments 4432955 3875000

Current Assets

k Stock 3182350 1895080

l Debtors 12173147 11870818- exceeding six months- less than six months later 12173147 11870818

m Loans and Advances ( other than those given to group co. / friends) 69580 1081985n Other genuine advances

o Cash and Bank 618341 149992

Total Current Assets 16043418 14997875

Current Liabilities (Excl. OD/CC) 7501735 10024455p Creditors 7419005 10005534q Other Liab.r Provisions (for exps, tax, div. etc.) 82730 18921

Residual Current Assets 8541683 4973420

s OD / CC

Net Working Capital 8541683 4973420

t Deferred Tax Assets / (Liab.)

Total Application of Funds 14338742 10429355

Total Funds for the business 14338742 10429355

Difference in B/S 0 0

Turnover Based

Description 31.3.2013 31.3.2012Turn Over 54535500 5398448215% of Gross TurnOver OR Industry Margin(Lower of Both) #N/A #N/AMargin Considered: #N/A #N/A

#N/A #N/A

#N/AOther Income / 12Net Monthly Income consider for calculation purpose #N/AFixed Obligation -TCL proposed EMI-MonthlyOther Loan EMI-MonthlyAnnual Interest paid on OD/CC (As per Banking) 0Monthly Interest paid on OD /CC 0

0

FOIR #N/A

Current Ratio >=1

Net Annual Income consider for calculation purpose(lower of 15% Gross Turn Over Margins and Industry Margins)

Annual Income (Average of 2 years if Income is >50% increased) (otherwise pls consider cell no.C7)

Total monthly Obligation including TCL EMI+other emi+int.paid on OD/CC

Max FOIR allowed if (ITR <5 lacs==70%) OR (ITR>5Lacs) 80%

Bank Name & A/c No.

Months / Interest on OD or CC Per month

Total 0 0

Average Interest on OD / CC 0 0

Annual Interest on OD / CC 0 0

Doctor Profile

Common Norms for all the Doctor program

Parameters Norms Actual


Age

65

Current City Stability 0 Not Met

0 Not Met

Contactability

Landline at office. Landline Met

Landline/WLL/Post Paid at Residence Landline Met

Amount in Rs.

Amount in Rs.

Norms - Met/Not

Met

Education qualification

(i)Post Graduate Doctors(MD/DM/MS/MCH/MDS)

(ii) Graduate Doctors (MBBS/BDS)

Homeopathy and Ayurvedic Doctors not allowed

Degree form USSR, Russian Universities and Estern Europeon universities not allowd

Min Age : 21 years for Salaried & 25 years, for Self employedMax Age : 65 years for Self Employed and forSalaried 58 years or

retirement age whicheveris later

Residential Stability

Current Resi Stability (For self/Parental owned it stability can be

less than one year supported with ownershipproof)

ABB Norms #DIV/0! #DIV/0!

EMI Bounces

0 Met

2.38% Not Met

Should not exceed more than 3% 0.00% Met

CIBIL Scores Minimum CIBIL Score to be 700 Not Met

For Gross Receipts Program

Parameters NormsMet/Not Met

Policy

Rs 3 lakh Policy

Rs 20 lakh Policy

TenurePolicy

Policy

Policy

Last 3 months average bank balance to beequal or greater than the proposed EMI of our

loan.ABB upto 0.75 can be approved at RCM level

& ABB upto 0.5 at PCH level

No bounce reported in last 6 months forInsufficient funds

Not more than 2 EMIBounce in existing track per year paid within

30 days to be approved at PCH level

Inward Cheques Returns

Should not exceed more than 2% of thetotal cheques issued by the customer for Self

employed.

Outward Cheque Returns

Clubbing of Income

Clubbing of husband and wife’s income isallowed. ( only If both are Doctors)

Top up Norms

Tenor of Base Track<=12- should be 8 MOB

12> <=24 - should be 12 MOB>24 - should be 15 MOB

Level of Deviation

TargetCustomer

Profile Self employed practising doctors (Individual/ Proprietorship/ Partnership held within family)

Min LoanAmount

Max LoanAmount

Minimum Tenure: 12 monthsMaximum Tenure: 48 months.

QualifierNorms

Minimum Gross Receipts:For Graduate Doctors: Rs 10 LakhFor Post Graduate Doctors: Rs 15 Lakh

EmploymentStability Operating from current premises for last one year & minimum

total work experience of 5 years post graduates & ten years for Graduate Doctors

RTR

Policy

PolicyEligibility Calculation - Gross Receipts program

Gross Receipts 54535500

Multiplier 2

Annual Obligations 7134540Eligibility 101936460

Loans above Rs 15 lakh have to be supported by a secured loan (Auto Loan / LAP/Term Loan with monthly repayment) of a similar value with 12 month seasoning. OR unsecured loan with a repayment track of 50% of the proposed loanamount with 12 months clean repayment

BankingNorms

RAAC norm-At least 4 credits and 4 debit transaction per month. i) If met in 4 months out of 6 then the same can be approved at RCM level. If met in 3 months out of 6 then the same can be approved at CH level. Else policy level

EASTWESTNORTHSOUTHDSADST

122436

MANUFACTURINGTRADINGSERVICES PROVIDERMANUF/TRADERPOSITIVENEGATIVEREFER TO CR

Fig

Inc./Dec. Figures1% Proposed TCL Loan Amount 02% Tenor 36

-8% Turnover 54535500

-9% Net worth 5952837

-44% Multiplier 2

#DIV/0!

#DIV/0! PAT 1105782.00

103% Depreciation 216833

101% Income from Other Sources

-56% Interest to Partners 0

88% Partners salary /Directors Renumeration -

88% Total annual obligations for loans not declared in balance sheet 7134540

9% Eligible loan amount as per cash profit multliplier -11623850

#DIV/0!

9% Interest Coverage Ratio 2.57

249%

-14% Debt to Equity as TCL Policy 1.41

780%

-100% Debt Service Coverage Ratio 0.20

-1975%

580% Current Ratio Norm 2.14

771%

Total liability_Networth Norm 1.41

Net Worth Norms 5952837.00

Turn Over Norms Not Applicable

Profit After Tax Norms Not Applicable

Inc./Dec. Ratio Analysis: Profitability 31-3-1586% Gross Margins 0.07

#DIV/0! Business Margins 0.04#DIV/0! Net Business Margins 0.04#DIV/0! Net Operating Margins 0.02#DIV/0! Net Profit Margins 0.02

86% Interest Coverage Ratio 2.57

ROE (Post tax) 0.2231%

-100%

#DIV/0! Ratio Analysis: Balance Sheet 31-3-15

16% Debt Equity without working capital 1.41

37% Total borrowings/ Equity 1.41

L/Term Debts / Fixed Assets 6.15-14% Turnover / Current Assets 3.40-14% Turnover / Fixed Assets 39.98

-14% Turnover / Total Assets 2.50

Current Ratio 2.14

14%

#DIV/0! Ratio Analysis: Working Capital 31-3-15

% of Loans and Advances to Equity in business

68% Debtors Collection Period 81.47

3% Creditors Payment Period 53.47#DIV/0! Stock Replenishment Period 22.93

3% Working Capital Gap 50.94-94% Cash Credit Days 0.00

#DIV/0! Other Exp. Payment days 0.00

312%

7% Period of Vat returns Sales in Rs.

April - 2011

-25% May - 2011-26% June - 2011

#DIV/0! July - 2011337% August - 2011

72% September - 2011

#DIV/0! October - 2011

72% November - 2011

#DIV/0! December - 2011

37% January - 2012

37% February - 2012

March - 2012

Total :------------------------ 0

Turnover Based

Inc./Dec.1%

#N/A

#N/A

0

0

0

Doctor Profile

Common Norms for all the Doctor program

Policy

Policy

Policy

Policy

Policy

Policy

Amount in Rs.

Level of Deviation

#DIV/0!

Policy

PCH/Policy

Policy

Policy

Policy

Policy

Policy

Norms Met/ Not Met

Self employed doctors - Owning a hospital / nursing home/ clinic

Rs 3 lakh

Net worth to be PositiveDE<= 2 .5

Self Employed (Income Based Program) - Proprietorship /Partnership /Pvt Ltd Companies )

Rs 35 lakh for SelfEmployed


DSCR>= 0.75

Operating from current premises for last one year & minimum total work experience of 5 years post graduates &ten years for Graduate Doctors

Not ApplicableEligibility Calculation - Income Based program

Cash Profit 758614

Multiplier 4

Annual Obligations 7134540Eligibility -4100084

Loans above Rs 15 lakh have to be supported by a secured loan (Auto Loan / LAP/Term Loan with monthly repayment) of a similar value with 12 month seasoning. OR unsecured loan with a repayment track of 50% of the proposed loanamount with 12 months clean repayment


3204561

NORMAL

NoNORMAL

DECLINE

Normal No

NORMAL

NORMAL

Not Applicable

Not Applicable

31-3-14 Inc/Dec0.08 -0.090.02 1.010.02 0.860.01 2.450.00 7.71

1.49 0.72

0.06 2.66

31-3-14 Inc/Dec

2.25 -0.38

2.25 -0.38

4.57 0.353.60 -0.06

34.15 0.17

2.64 -0.05

1.50 0.43

31-3-14 Inc/Dec

0.00

80.26 0.02

73.37 -0.2713.90 0.6520.79 1.45

0.00 #DIV/0!0.00 #DIV/0!

Turnover Based

Doctor Profile

Salaried cum Self Employed

Norms

Policy

Policy Rs 3 lakh

Policy Rs 3 lakh

PolicyPolicyPolicyPolicy

Policy

Proprietorship /Partnership /Pvt Ltd Companies )

Level of Deviation

Consulting doctors - With leading hospitals who are on retainer basis, consulting /salaried with anyreputed Government/Private hospital/ Self employed practising Doctor


Minimum Net Monthly Salary of Rs 50 K & Form 16+ Form 16A of Minimum Rs 7 Lakh (For Contractual Income)

(i)Should be Employed with current hospital / Operating from current premises for minimum one year & The total employment stability should be minimum 3years for Post Graduates & 5 years for Graduates

Policy

Not Applicable

Not ApplicableEligibility Calculation - Income Based program Eligibility Calculation'

758614 1. Salary Income4 Monthly Net Income

7134540 Monthly contractual income-4100084 Total Income

Applicable multiplierEligibility as per Salaried program

2. Self employed IncomeGross Receipts ProgramIncome Based cash profit programEligibility as per Self Employed programAnnual ObligationsFinal Eligibility

Salaried cum Self Employed

Met/Not Met

Policy

Policy

Policy

Policy

Policy

Policy

Level of Deviation

Policy

Eligibility Calculation'1. Salary Income

000

110

2. Self employed IncomeYes 81803250

3034456

818032507134540

74668710

Additional Notes / Remarks / Attachable Objects Additional Notes / Remarks / Attachable Objects

Provisional Financial Analysis Tool

Tuesday, April 18, 2023 Next Yr Current Yr

PROFIT & LOSS ACCOUNT 31-3-15A Sales excluding other incomes ###B Cost of goods sold (COGS) ###

C Gross Profits (GP) 0 3887394

Gross Margin % #DIV/0! 7.1%

D Other exp. (incl.prtnr's sal& int.) 1768111.00

d1 Add back Partner's/Directors Salary 0.00

d2 And Partner's Interest 0.00

E Business Margins 0 2119283

Business Margins % #DIV/0! 3.9%

F Other Incomes 45222.00

G Profit before Depreciation, Interest & Tax (PBDIT) (E+F) 0 2164505

H PBDIT (C14-C9-C10) 0 2164505

Interest to FI and Banks 841890.00

Interest to Private Parties 0.00

I Total Interest Paid 0 841890

Profit Before Depreciation & Tax (PBDT) 0 1322615

J Depreciation 216833.00

Profit before Tax (PBT) 0 1105782

K Tax paid 0.00

Profit After Tax (PAT) 0 1105782

L Post tax Cash profits + sal. + partners int. 0 1322615

Net Profit Ratio #DIV/0! 2.03%

BALANCE SHEET 30-Dec-99 31-3-15a Share Capital 5952837.00b Reserves and Surplus 0.00c Advances to group co./friends 0.00d From Family and Friends 0.00e Misc. Exp. Not written off 0.00

Total Equity Fund 0 5952837

f Secured Debts 6185588.00g Unsecured Debt - PL 0.00

h Unsecured Debt - others 2200317.00

Total Outside Debts 0 8385905

Total Fund in the business 0 14338742

i Gross Fixed Assets 1580937.00Less : Depreciation 216833.00

Net Fixed Assets 0 1364104

j Investments 4432955.00

Current Assets

k Stock 3182350.00

l Debtors 0 12173147- exceeding six months 0.00- less than six months later ###

m Loans and Advances ( other than those given to group co. / friends) 69580.00n Other genuine advances 0.00

o Cash and Bank 618341.00

Total Current Assets 0 16043418

Current Liabilities (Excl. OD/CC) 0 7501735p Creditors 7419005.00q Other Liab. 0.00r Provisions (for exps, tax, div. etc.) 82730.00

Residual Current Assets 0 8541683

s OD / CC 0.00

Net Working Capital 0 8541683

t Deferred Tax Assets / (Liab.) 0.00

Total Application of Funds 0 14338742

Total Funds for the business 0 14338742

Difference in B/S 0 0

Turnover Based

Description 31.3.2013 31.3.2012Turn Over 0.00 ###15% of Gross Turn Over #N/A #N/A

#N/A #N/A

#N/A #N/A

#N/AOther Income / 12Net Monthly Income consider for calculation purpose #N/AFixed Obligation -TCL proposed EMI-MonthlyOther Loan EMI-MonthlyAnnual Interest paid on OD/CC (As per Banking) 0Monthly Interest paid on OD /CC 0

0

FOIR #N/A

Current Ratio >=1

Nature of Business : Industry Margin as per Policy :

Net Annual Income consider for calculation purpose(lower of 15% Gross Turn Over Margins and Industry Margins)

Annual Income (Average of 2 years if Income is >50% increased) (otherwise pls consider cell no.C7)

Total monthly Obligation including TCL EMI+other emi+int.paid on OD/CC

Max FOIR allowed if (ITR <5 lacs==70%) OR (ITR>5Lacs) 80%

Bank Name & A/c No.

Months / Interest on OD or CC Per month

Total 0 0

Average Interest on OD / CC 0 0

Annual Interest on OD / CC 0 0

Amount in Rs.

Amount in Rs.

EASTWESTNORTHSOUTHDSADST

122436

MANUFACTURINGTRADINGSERVICES PROVIDERMANUF/TRADERPOSITIVENEGATIVEREFER TO CR

FiG

Inc./Dec. Figures-100% Proposed TCL Loan Amount 0-100% Tenor 36

-100% Turnover 0

#DIV/0! Net worth 0 5952837

-100% Multiplier 0

#DIV/0!

#DIV/0! PAT 0.00

-100% Depreciation 0

#DIV/0! Income from Other Sources

-100% Interest to Partners 0

-100% Partners salary /Directors Renumeration -

-100% Total annual obligations for loans not declared in balance sheet 7134540

-100% Eligible loan amount as per cash profit multliplier 0

#DIV/0!

-100% Interest Coverage Ratio #DIV/0! #DIV/0!

-100%

-100% Debt to Equity as TCL Policy #DIV/0! #DIV/0!

-100%

#DIV/0! Debt Service Coverage Ratio 0.00 DECLINE

-100%

-100% Current Ratio Norm #DIV/0! #DIV/0!

#DIV/0!

Total liability_Networth Norm #DIV/0! #DIV/0!

Net Worth Norms 0.00 DECLINE

Turn Over Norms Not Applicable Not Applicable

Profit After Tax Norms Not Applicable Not Applicable

Inc./Dec. Ratio Analysis: Profitability 30-Dec-99 31-3-15-100% Gross Margins #DIV/0! 0.07

#DIV/0! Business Margins #DIV/0! 0.04#DIV/0! Net Business Margins #DIV/0! 0.04#DIV/0! Net Operating Margins #DIV/0! 0.02#DIV/0! Net Profit Margins #DIV/0! 0.02

-100% Interest Coverage Ratio #DIV/0! 2.57

ROE (Post tax) #DIV/0! 0.22-100%

#DIV/0!

-100% Ratio Analysis: Balance Sheet 30-Dec-99 31-3-15

-100% Debt Equity without working capital #DIV/0! 1.41

-100% Total borrowings/ Equity #DIV/0! 1.41

L/Term Debts / Fixed Assets #DIV/0! 6.15-100% Turnover / Current Assets #DIV/0! 3.40-100% Turnover / Fixed Assets #DIV/0! 39.98

-100% Turnover / Total Assets #DIV/0! 2.50

Current Ratio #DIV/0! 2.14

-100%

#DIV/0! Ratio Analysis: Working Capital 30-Dec-99 31-3-15

% of Loans and Advances to Equity in business

-100% Debtors Collection Period #DIV/0! 81.47

-100% Creditors Payment Period #DIV/0! 53.47#DIV/0! Stock Replenishment Period #DIV/0! 22.93-100% Working Capital Gap #DIV/0! 50.94-100% Cash Credit Days #DIV/0! 0.00

#DIV/0! Other Exp. Payment days #DIV/0! 0.00

-100%

-100% Period of Vat returns Sales in Rs.

April - 2011

-100% May - 2011-100% June - 2011

#DIV/0! July - 2011-100% August - 2011

-100% September - 2011

#DIV/0! October - 2011

-100% November - 2011

#DIV/0! December - 2011

-100% January - 2012

-100% February - 2012

March - 2012

Total :------------------------

Turnover Based

Inc./Dec.-100%

#N/A

#N/A

0

0

0

Amount in Rs.


#DIV/0!

#DIV/0!

Inc/Dec#DIV/0!#DIV/0!#DIV/0!#DIV/0!#DIV/0!

#DIV/0!

#DIV/0!

Inc/Dec

#DIV/0!

#DIV/0!

#DIV/0!#DIV/0!#DIV/0!

#DIV/0!

#DIV/0!

Inc/Dec

#DIV/0!

#DIV/0!

#DIV/0!#DIV/0!#DIV/0!#DIV/0!#DIV/0!

Turnover Based

A Total Interest paid as per P & L A/c 841890

B 8385905

C 2795301.66666667

D EMI *12 of all loans which are nor reflecting in balance sheet 7134540

E TCL Proposed EMI * 12 0

F SUM OF A+C+D+E 10771732

G PBDIT as per Financial analysis 2164505

DSCR G/F 0.200943085752693

NOTE :- DSCR Calculation to be recheck by credit.

DSCR Weights<0.75 00.75 to 1.00 11.00 to 1.25 21.25 to 1.50 3>1.50 4

Total Debts Secured + Unsecured (Excl. OD/CC & from Family & friends)

Total Debts Secured + Unsecured / 3 (If exact tenure is available as per Repayment schedule / Track then divided by exact tenure only)

A Total Interest paid as per P & L A/c 0

B 0

C 0

D EMI *12 of all loans which are nor reflecting in balance sheet 7134540

E TCL Proposed EMI * 12 0

F SUM OF A+C+D+E 7134540

G PBDIT as per Provisional Financials 0

G/F 0

NOTE :- DSCR Calculation to be recheck by credit.

DSCR Weights<0.75 00.75 to 1.00 11.00 to 1.25 21.25 to 1.50 3>1.50 4

Total Debts Secured + Unsecured (Excl. OD/CC & from Family & friends)

Total Debts Secured + Unsecured / 3 (If exact tenure is available as per Repayment schedule / Track then divided by exact tenure only)

Prov DSCR

Loan Details Sheet :-

Financer Name Type of Loan E M I (Rs)

Loan details as per provided repayment track record are as below :-

RELIGARE BL 1000000 36404 1/10/2014 0

HDB PL 500000 18838 4/10/2013 0

BAJAJ BL 1295000 47143 2/8/2014 0

HDFC AL 750000 25090 7/12/2014 0

HDFC AL 848000 22040 7/6/2012 0

JFS DETAILS NOT C 1000000 38200 30-12-2014 0

TATA BL 750000 31700 23-10-2013 31700

MAGMA BL 1000000 37475 7/12/2012 37475

RELIGARE BL 1520000 56102 1/11/2013 56102

Cibil report reflected loan details are as below :-

Joint BL 1339975 48443 7/31/2015 48443

Individual HL 7400000 168373 2/20/2015 168373

Individual HL 7435909 169190 1/27/2015 169190

Joint BL 1000000 36152 7/31/2014 36152

Additional match found Cibil report reflected loan details are as below :-

NA

Bank statement reflected loan details are as below :-

Financer Name

RELIGARE 56102 0

HDB 18838 0

HDFC 22040 0

HDFC 25090 0

BAJAJ 47143 0

BAJAJ 47110 47110

Total of unsecured +LAP loan amount which are taken as obligation Total Obligations 594545

Annual Obligations 7134540

EMI Clearance sheet :-

Financer Name RELIGARE HDB HDFC HDFC BAJAJ

EMI Amount 56102 18838 22040 25090 47143

EMI Debited Through whichBOB-1859020000BOB-1859020000BOB-185902000BOB-1859020000050 ICICI BANK-02410500

Concerned Bank A/c HoldeJAYANT ENTERPJAYANT ENTERPJAYANT ENTERJAYANT ENTERPRISJAYANT ENTERPRIS

Apr-15 3 4 8 8 2

May-15 1 2 7 7 2

Jun-15 1 5 7 7 2

Jul-15 1 4 9 9 2

Aug-15 1 4 8 7 3

Sep-15 1 4 8 8 2

EMI Clearance Sheet provided by branch as below :-

Loan Amount (Rs)

Remarks & EMI Start date

EMI taken as an Obligation

(for DSCR/Eligibility Calculation)

Schedule of Secured & Unsecured loans from bank & financial institution for March 2015 as below:-


Tenure Emi Paid Loan A/c No.

36 13 XSMEIND005406DETAILS NOT CONFIRM

36 25 472881 JAYANTI GARG

36 14 425PSB0368155 JAYANTI GARG



36 11 30368650000578JAYANT ENTERPRISES

36 30 3614984 JAYANT ENTERPRISES

36 11 PG/0135/P/11/00 JAYANT ENTERPRISES

36 25 XSMEIND000491JAYANT ENTERPRISES

JAYANTI GARG

JAYANTI GARG

JAYANTI GARG

JAYANTI GARG

JAYANT ENTERPRISES BOB-18590200000504




JAYANT ENTERPRISES ICICI BANK-024105002842

JAYANT ENTERPRISES ICICI BANK-024105002842

0

0

BAJAJ

47110

ICICI BANK-024105002842

JAYANT ENTERPRISES

-

-

-

-

-

2

EMI taken as an Obligation

(for FOIR Calculation)

Name of the Borrower

Reflected in Balance

Sheet

Reflected in Which

Bank Statement & A/c No.

Performance

ICICI BANK-024105002842

ICICI BANK-024105002842

Suit Filed Accounts of Rs. 100 Lakhs and above

Suit-filed accounts of Rs. 1 Cr. and above as on 30-Sep-2015Search details

Loading...

Bank borrowerId quarterId Branch

No Records

Suit Filed Accounts (Willful Defaulters) of Rs. 25 Lakhs and above

Suit-filed accounts (Willful Defaulters) of Rs. 25 Lacs and above as on 30-Sep-2015Search details

Loading...

Bank borrowerId quarterId Branch

No Records

Borrower Containing - JAYANT ENTERPRISES /City - INDORE /Directors Containing - JAYANTI GARG


INDORE

JAYANT ENTERPRISES

JAYANTI GARG

Suit Filed Accounts of Rs. 100 Lakhs and above

Quarter

Suit Filed Accounts (Willful Defaulters) of Rs. 25 Lakhs and above

Suit-filed accounts (Willful Defaulters) of Rs. 25 Lacs and above as on 30-Sep-2015

Quarter



Business Loan Score Card

S.NO PARAMETERS

I Financial Analysis

1 Turnover (INR In Crs)

<0.4 cr

>=0.4 cr

>=1 cr

>=3 cr

>=5 cr

>=7 cr

2 Minimum Income declared as per ITR

2 Tenor of proposed TCL Loan (in Months)

Less and equal to 24 months

36 months

48 months

Above 48 months

3 All (TCL + Other obligations ) EMI to Cash Profit Ratio

<=40%

<=60%

<=80%

>80%

4 Turnover Growth (y-o-y for last 2 years)

>=15%

>=12%

>=9%

>=6%

>=3%

<3%

5 Profit Pattern (declared) - last 2 years

Constant + ve Growth

Stable within 10% var



Loss in 1/ 3 yrs-prev

Loss in 1/ 3 yrs-last

6 Business Margins

>=15%

>=12%

>=10%

>=8%

>=5%

<5%

7 Net Worth (in Cr)

<0.5 cr

>=0.5 cr

>=2 cr

>=3 cr

>=4 cr

>=5 cr

9 Total Liability /TNW

8 Debt Equity Ratio

<=1.5

<=2

<=2.5

<=3

>3

9 Interest Coverage Ratio

<1.5

>=1.5

>=2

>=2.5

>3

12 Current Ratio

10 Debtors days

<=30 days

<=60 days

<=120 days

<=180 days

>180 days

II BUSINESS MODEL

14 Constitution of Entity

15 Business stability

1 Business Continuity in the same business

Less than 1.5 year

More than 1.5 years

More than 3 years

More then 5 years

2 Ownership of property in the co-applicant's name - Residence

3 Ownership of property in the co-applicant's name - Office

19 Type of Industry

20 Industry sector

4 Buyer Concentration

<=30%

<=40%

<=50%

<=60%

<=70%

>70%

III Banking Analysis based on Current Account

1 Credit Turnover from six months banking to be % last year's reflected turnover

>=40%

>=60%

<40%

2 No of credits in last 6 months

>=100

>=75

>=50

>=25

>=10

<10

3 I/w Cheque Ret in last 6 mths including EMI bounces

<2%

>=2%

4 O/w Cheque Rett. In last 6 mths

4 No. of times CC / OD Overlimit in last 6 months

NIL

1 reg within 2 w.days




> 3 / not reg in 7 days

6 Utilisation of OD/CC Limits

IV Credit history Analysis

No. of unsecured loan

1-2

3-4

No loan

5-6

>6

No. of secured loan

1-2

3-4

No loan

5-6

>6

2 No.of unsecured loans taken in less than 6 months

No loans

Less than 2

Less than 4

Less than 6

Less than 8

V Demographics

1 Age of the Co-applicant at the time of Loan Maturity

2 Educational Qualification of Main Co-applicant

3 Geo Limits

4 Residence status

1 Current Residence Stability

Less than 1 year

More than 2 years

More than 3 years

More than 5 years

VI Verification

1 Internal Dedupe

2 External Dedupe

3 Residence FI

4 Office FI

5 Office PD

6 RCU

7 Trade Reference - first

Trade Reference - second

8 Tele-verification -Residence

9 Tele-verification -Office

1 Consumer CIBIL Score

800 +

750-799

700-749

650-699 / 0 / -1

600-649

< 600

11 Commercial CIBIL

12 KYC Compliance

2 DSCR

<0.75

0.75 to 1.00

1.00 to 1.25

1.25 to 1.50

>1.50

Parameters

Financial Analysis

Business Model

Bank Analysis

Credit History

Demographics

Verification

Total

Business Loan

Final Score

Score band

Above 80%

70-80%

Below 70%


ACTUAL FIGURES Score

24.7%

5.45 2.7322842437042%

0.00%

0.68%

1.37%

2.05%

2.73%

3.42%

11.06

36 1.84781017022825%

2.78%

1.85%

0.92%

0.00%

539.43% 0.512303295694537%

2.05%

1.54%

1.02%

0.51%

1% 0.00%

5.69%

4.55%

3.42%

2.28%

1.14%

0.00%

779.9% 3.36%

3.36%

2.68%

2.01%

1.34%

0.67%

0.00%

3.9% 0.00%

4.10%

3.28%

2.46%

1.64%

0.82%

0.00%

0.60 2.27690353642016%

0.00%

2.28%

4.55%

6.83%

9.11%

11.38%

1.41

1.41 4.25021993465097%

4.25%

3.19%

2.13%

1.06%

0.00%

2.57 7.49639004528149%

0.00%

2.50%

5.00%

7.50%

10.00%

2.14

81.47 2.23895514414649%

4.48%

3.36%

2.24%

1.12%

0.00%

2.4%

Proprietorship

0

0 0.00%

0.00%

1.34%

2.69%

4.05%

0 0

0

Trading

Growing

<=50% 2.40024970164351%

4.00%

3.32%

2.40%

1.60%

0.80%

0.00%

6.55%

19.4905501920767 0.00%

0.59%

1.17%

0.00%

Transactions 217 2.98843589155146%

2.99%

2.39%

1.79%

1.20%

0.60%

0.00%

(Customer's Cheques are bouncing) 2.38% 0.00%

2.56%

0.00%

(Third Party Cheques are bouncing) 0.00%

NIL 3.56%

3.56%

2.85%

2.13%

1.42%

0.71%

0.00%

0.00%

9.2%

0 3%

6.01%

4.81%

3.00%

1.20%

0.00%

0 1.5%

3.00%

2.40%

1.50%

0.60%

0.00%

0 4.66053692611002%

4.66%

3.50%

2.33%

1.17%

0.00%

0.0%

65

0

With in GEO Limit

0

0 0.00%

0.00%

0.17%

0.34%

0.51%

4.8%

Negative

0

0

0

0

0

0

0

0

0

Positive 4.78%

4.78%

3.83%

2.87%

1.91%

0.96%

0.00%

0

Positive

0.200943085752693 0%

0.00%

2.50%

5.00%

7.50%

10.00%

Weight ages

40%

15%

15%

10%

5%

15%

100%

47.60%

Good

Medium

Bad


Description

3.5833333333

Increasing

CROSS CHECK WITH EMI SHEET

1


S.NO PARAMETERS

I Provisional Financials

1 Turnover (INR In Crs)

<0.4 cr

>=0.4 cr

>=1 cr

>=3 cr

>=5 cr

>=7 cr

2 Minimum Income declared as per ITR

2 Tenor of proposed TCL Loan (in Months)

Less and equal to 24 months

36 months

48 months

Above 48 months

3 All (TCL + Other obligations ) EMI to Cash Profit Ratio

<=40%

<=60%

<=80%

>80%

4 Turnover Growth (y-o-y for last 2 years)

>=15%

>=12%

>=9%

>=6%

>=3%

<3%

5 Profit Pattern (declared) - last 2 years

Constant + ve Growth




Loss in 1/ 3 yrs-prev

Loss in 1/ 3 yrs-last

6 Business Margins

>=15%

>=12%

>=10%

>=8%

>=5%

<5%

7 Net Worth (in Cr)

<0.5 cr

>=0.5 cr

>=2 cr

>=3 cr

>=4 cr

>=5 cr

9 Total Liability /TNW

8 Debt Equity Ratio

<=1.5

<=2

<=2.5

<=3

>3

9 Interest Coverage Ratio

<1.5

>=1.5

>=2

>=2.5

>3

12 Current Ratio

10 Debtors days

<=30 days

<=60 days

<=120 days

<=180 days

>180 days

II BUSINESS MODEL

14 Constitution of Entity

15 Business stability

1 Business Continuity in the same business

Less than 1.5 year

More than 1.5 years

More than 3 years

More then 5 years

2 Ownership of property in the co-applicant's name - Residence

3 Ownership of property in the co-applicant's name - Office

19 Type of Industry

20 Industry sector

4 Buyer Concentration

<=30%

<=40%

<=50%

<=60%

<=70%

>70%

III Banking Analysis based on Current Account

1 Credit Turnover from six months banking to be % last year's reflected turnover

>=40%

>=60%

<40%

2 No of credits in last 6 months

>=100

>=75

>=50

>=25

>=10

<10

3 I/w Cheque Ret in last 6 mths including EMI bounces

<2%

>=2%

4 O/w Cheque Rett. In last 6 mths

4 No. of times CC / OD Overlimit in last 6 months

NIL





> 3 / not reg in 7 days

6 Utilisation of OD/CC Limits

IV Credit history Analysis


1-2

3-4

No loan

5-6

>6

No. of secured loan

1-2

3-4

No loan

5-6

>6

2 No.of unsecured loans taken in less than 6 months

No loans

Less than 2

Less than 4

Less than 6

Less than 8

V Demographics

1 Age of the Co-applicant at the time of Loan Maturity

2 Educational Qualification of Main Co-applicant

3 Geo Limits

4 Residence status

1 Current Residence Stability

Less than 1 year

More than 2 years

More than 3 years

More than 5 years

VI Verification

1 Internal Dedupe

2 External Dedupe

3 Residence FI

4 Office FI

5 Office PD

6 RCU

7 Trade Reference - first


8 Tele-verification -Residence

9 Tele-verification -Office

1 Consumer CIBIL Score

800 +

750-799

700-749

650-699 / 0 / -1

600-649

< 600

11 Commercial CIBIL

12 KYC Compliance

2 DSCR

<0.75

0.75 to 1.00

1.00 to 1.25

1.25 to 1.50

>1.50

Parameters

Provisional Financials

Business Model

Bank Analysis

Credit History

Demographics

Verification

Total

Business Loan

Final Score

Score band

Above 80%

70-80%

Below 70%


ACTUAL FIGURES Score

#DIV/0!

0.00 0.00%

0.00%

0.68%

1.37%

2.05%

2.73%

3.42%

0.00

36 1.84781017022825%

2.78%

1.85%

0.92%

0.00%

#DIV/0! #DIV/0!

2.05%

1.54%

1.02%

0.51%

-100% 0.00%

5.69%

4.55%

3.42%

2.28%

1.14%

0.00%

-100.0% 0.00%

3.36%

2.68%

2.01%

1.34%

0.67%

0.00%

#DIV/0! #DIV/0!

4.10%

3.28%

2.46%

1.64%

0.82%

0.00%

0.00 0.00%

0.00%

2.28%

4.55%

6.83%

9.11%

11.38%

#DIV/0!

#DIV/0! #DIV/0!

4.25%

3.19%

2.13%

1.06%

0.00%

#DIV/0! #DIV/0!

0.00%

2.50%

5.00%

7.50%

10.00%

#DIV/0!

#DIV/0! #DIV/0!

4.48%

3.36%

2.24%

1.12%

0.00%

2.4%

Proprietorship

0

0 0.00%

0.00%

1.34%

2.69%

4.05%

0 0

0

Trading

Growing

<=50% 2.40024970164351%

4.00%

3.32%

2.40%

1.60%

0.80%

0.00%

6.55%

19.4905501920767 0.00%

0.59%

1.17%

0.00%

Transactions 217 2.98843589155146%

2.99%

2.39%

1.79%

1.20%

0.60%

0.00%

(Customer's Cheques are bouncing) 2.38% 0.00%

2.56%

0.00%

(Third Party Cheques are bouncing) 0.00%

NIL 3.56%

3.56%

2.85%

2.13%

1.42%

0.71%

0.00%

0.00%

9.2%

0 3%

6.01%

4.81%

3.00%

1.20%

0.00%

0 1.5%

3.00%

2.40%

1.50%

0.60%

0.00%

0 4.66053692611002%

4.66%

3.50%

2.33%

1.17%

0.00%

0.0%

65

0

With in GEO Limit

0

0 0.00%

0.00%

0.17%

0.34%

0.51%

4.8%

Negative

0

0

0

0

0

0

0

0

0

Positive 4.78%

4.78%

3.83%

2.87%

1.91%

0.96%

0.00%

0

Positive

0 0%

0.00%

2.50%

5.00%

7.50%

10.00%

Weight ages

40%

15%

15%

10%

5%

15%

100%

#DIV/0!

Good

Medium

Bad


Description

3.5833333333

Declining

CROSS CHECK WITH EMI SHEET

1

Sr No.123456789

10111213141516171819202122232425262728293031323334353637383940414243

444546474849505152535455565758596061626364656667686970717273747576777879808182838485868788

8990919293949596979899

100101102103104105106107108109110111112113114115116117118119120121122123124125126127128129130131132133

134135136137138139140141142143144145146147148149150151152153154155156157158159160161162163164165166167168169170171172173174175176177178

179180181182183184185186187188189190191192193194195196197198199200201202203204205206207208

Question DescriptionDate of ApplicationWebtop No. Product Program

Channel

Channel Name

Region

Name of City

Name of the Applicant

Name of Co-Applicant

Relationship with Applicant

Co-Applicant details to be clubbed

DOB (mm/dd/yyyy)

Educational Background

Marital Status

Industry

Industry Type-Growing/Negative/Caution

Negative Profile

Caution Profile

Priority sector lending

Risk

Business/Firm Name

Nature of Business

Office/Resi with in Geo limit/Out of geo limit

Turnover (INR In Crs)

Minimum Income declared as per ITR

Tenor of proposed TCL Loan (in Months)

All (TCL + Other obligations ) EMI to Cash Profit Ratio

Turnover Growth (y-o-y for last 2 years)

Profit Pattern (declared) - last 2 years

Business Margins

Net Worth (in Cr)

Total Liability /TNW

Debt Equity Ratio

Interest Coverage Ratio

Current Ratio

Debtors days

Constitution of Entity

Business stability

Business Continuity in the same business

Ownership of property in the co-applicant's name - Residence

Ownership of property in the co-applicant's name - Office

Type of Industry

Industry sector

Buyer Concentration

Credit Turnover from six months banking to be % last year's reflected turnover

No of credits in last 6 months

I/w Cheque Ret in last 6 mths including EMI bounces

O/w Cheque Rett. In last 6 mths

No. of times CC / OD Overlimit in last 6 months

Utilisation of OD/CC Limits


No. of secured loan

No.of unsecured loans taken in less than 6 months

Age of the Co-applicant at the time of Loan Maturity

Educational Qualification of Main Co-applicant

Geo Limits

Residence status

Current Residence Stability

Internal Dedupe

External Dedupe

Residence FI

Office FI

Office PD

RCU

Trade Reference - first


Tele-verification -Residence

Tele-verification -Office

Consumer CIBIL Score

Commercial CIBIL

KYC Compliance

DSCR

Final Score

Update No.

Date & Time

Prov Turnover (INR In Crs)

Prov Minimum Income declared as per ITR

Prov Tenor of proposed TCL Loan (in Months)

Prov All (TCL + Other obligations ) EMI to Cash Profit Ratio

Prov Turnover Growth (y-o-y for last 2 years)

Prov Profit Pattern (declared) - last 2 years

Prov Business Margins

Prov Net Worth (in Cr)

Prov Total Liability /TNW

Prov Debt Equity Ratio

Prov Interest Coverage Ratio

Prov Current Ratio

Prov Debtors days

Prov Constitution of Entity

Prov Business stability

Prov Business Continuity in the same business

Prov Ownership of property in the co-applicant's name - Residence

Prov Ownership of property in the co-applicant's name - Office

Prov Type of Industry

Prov Industry sector

Prov Buyer Concentration

Prov Credit Turnover from six months banking to be % last year's reflected turnover

Prov No of credits in last 6 months

Prov I/w Cheque Ret in last 6 mths including EMI bounces

Prov O/w Cheque Rett. In last 6 mths

Prov No. of times CC / OD Overlimit in last 6 months

Prov Utilisation of OD/CC Limits

Prov No. of unsecured loan

Prov No. of secured loan

Prov No.of unsecured loans taken in less than 6 months

Prov Age of the Co-applicant at the time of Loan Maturity

Prov Educational Qualification of Main Co-applicant

Prov Geo Limits

Prov Residence status

Prov Current Residence Stability

Prov Internal Dedupe

Prov External Dedupe

Prov Residence FI

Prov Office FI

Prov Office PD

Prov RCU

Prov Trade Reference - first

Prov Trade Reference - second

Prov Tele-verification -Residence

Prov Tele-verification -Office

Prov Consumer CIBIL

Prov Commercial CIBIL

Prov KYC Compliance

Prov DSCR

Prov Final Score

PP_FMCG_Turnover

PP_FMCG_Banking norms

PP_FMCG_%age of Inward cheque Returns (in Last 6 mth

PP_FMCG_%age of Outward cheque Returns (in Last 6 mth

PP_FMCG_Net worth

PP_FMCG_Current Ratio Norms

PP_FMCG_ITR

PP_FMCG_ABB (Average Bank Balance)

PP_FMCG_Eligiblity

PP_FMCG_Target Segments

PP_FMCG_Constitution

PP_FMCG_Loan amt

PP_FMCG_Tenor

PP_FMCG_Industry Margin

PP_FMCG_Company to be profitable

PP_FMCG_Total Unutilised bank balance

PP_FMCG_Average Unutilised bank balance

PP_FMCG_ABB to be thrice of unutilized bank balance

PP_FMCG_Total of 6 months bank balance

PP_FMCG_Average of 6 months bank bal

PP_FMCG_ABB to be twice the proposed EMI

Turnover_Prod_Turn Over

Turnover_Prod_15% of Gross Turn Over

Turnover_Prod_Nature of Business : Industry Margin as per Policy :

Turnover_Prod_Annual Income (Average of 2 years if Income is >50% increased)

Turnover_Prod_Other Income / 12

Turnover_Prod_Net Monthly Income consider for calculation purpose

Turnover_Prod_Fixed Obligation -TCL proposed EMI-Monthly

Turnover_Prod_Other Loan EMI-Monthly

Turnover_Prod_Annual Interest paid on OD/CC (As per Banking)

Turnover_Prod_Monthly Interest paid on OD /CC

Turnover_Prod_Total monthly Obligation including TCL EMI+other emi+int.paid on OD/CC

Turnover_Prod_FOIR

Turnover_Prod_Max FOIR allowed if (ITR <5 lacs==70%) OR (ITR>5Lacs) 80%

Turnover_Prod_Current Ratio >=1

Industry / Sector

Current Rating Agency:

Date of Reported Rating (Current) (mm/dd/yyyy)

Current Rating

Previous Rating Agency:

Date of Reported Rating (Previous) (mm/dd/yyyy)

Previous Rating

Rating Movement

Gross Profits (GP)

Gross Margin %

Business Margins

Business Margins %

Profit before Depreciation, Interest & Tax (PBDIT) (Business Margin+Other Income)

PBDIT (PBDIT-Partner's Salary & Interest)

Total Interest Paid

Profit Before Depreciation & Tax (PBDT)

Profit before Tax (PBT)

Turnover_Prod_Net Annual Income consider for calculation purpose(lower of 15% Gross Turn Over Margins and Industry Margins)

Profit After Tax (PAT)

Post tax Cash profits + sal. + partners int.

Net Profit Ratio

Total Equity Fund

Total Outside Debts

Total Fund in the business

Net Fixed Assets

Investments

Debtors

Total Current Assets

Current Liabilities (Excl. OD/CC)

Residual Current Assets

Net Working Capital

Total Application of Funds

Total Funds for the business

Bank Name & A/c No._1

OD/CC Limit_1


OD/CC Limit_2


OD/CC Limit_3


OD/CC Limit_4


OD/CC Limit_5


OD/CC Limit_6

Doc Gross Receipts

Doc Income

Doc FOIR

Customer Response28-10-15

284BL0000837Verified income program

DSA

addi trademart-

West

INDORE

JAYANT ENTERPRISES

JAYANTI GARG

proprietor

Yes

09/22/1958

0

Married

Trading

Growing

Not in Negative Profile list

Not in Caution Profile List

Retail Traders

Low

JAYANT ENTERPRISES

Trading retailer

With in GEO Limit

5.45

11.06

36.00

539.4%

1.0%

779.9%

3.9%

0.60

1.41

1.41

2.57

2.14

81.47

Proprietorship

0.00

0.00

0.00

0.00

Trading

Growing

<=50%

19.49

217.00

0.02

0.00

NIL

0.0%

0

0

0.00

65

30-12-99

With in GEO Limit

30-12-99

0.00

Negative

30-12-99

30-12-99

30-12-99

30-12-99

30-12-99

30-12-99

30-12-99

30-12-99

30-12-99

Positive

30-12-99

Positive

0.201

47.60%

0.000.0036

#DIV/0!-100%

-1#DIV/0!

0.00#DIV/0!#DIV/0!#DIV/0!#DIV/0!#DIV/0!

Proprietorship0000

TradingGrowing<=50%

19.4905501920767217

2.38%0.00%

NIL0.00%

000

650

With in GEO Limit00

Negative000000000

Positive 0

Positive 0

#DIV/0!00000000

0000000000000

0.0102069702178489#N/A

0#N/A#N/A

0#N/A

00000

#N/A000

0

0

0

0

0

0

0

3887394

0.0712818989465578

2119283

0.0388606137286722

2164505

2164505

841890

1322615

1105782

1105782

1322615

2.03%

5952837

8385905

14338742

1364104

4432955

12173147

16043418

7501735

8541683

8541683

14338742

14338742

BANK OF BARODA----18590200000504

0

ICICI BANK---024105002842

0

0

0

0

0

0

0

0

0

#REF!

#REF!

#REF!

NAME -

A/C.NO.

PURPOSE -

LOAN - PRE EMI INT Rs.

RATE 19.50% MORATO PERIOD

PERIOD 36 TOTAL INTEREST -

EMI 0.00 TOTAL EMI -

EMI No. MONTHLY EMI 0 Rs. Rs. Rs. - 1 - - - - 2 - - - - 3 - - - - 4 - - - - 5 - - - - 6 - - - - 7 - - - - 8 - - - - 9 - - - -

10 - - - - 11 - - - - 12 - - - - 13 - - - - 14 - - - - 15 - - - - 16 - - - - 17 - - - - 18 - - - - 19 - - - - 20 - - - - 21 - - - - 22 - - - - 23 - - - - 24 - - - - 25 - - - - 26 - - - - 27 - - - - 28 - - - - 29 - - - - 30 - - - - 31 - - - - 32 - - - - 33 - - - - 34 - - - - 35 - - - - 36 - - - -

INTEREST COMPONENT

PRINCIPAL COMPONENT

OUTSTANDING RS.

EMI No. MONTHLY EMI

37 - - - - 38 - - - - 39 - - - - 40 - - - - 41 - - - - 42 - - - - 43 - - - - 44 - - - - 45 - - - - 46 - - - - 47 - - - - 48 - - - - 49 - - - - 50 - - - - 51 - - - - 52 - - - - 53 - - - - 54 - - - - 55 - - - - 56 - - - - 57 - - - - 58 - - - - 59 - - - - 60 - - - - 61 - - - - 62 - - - - 63 - - - - 64 - - - - 65 - - - - 66 - - - - 67 - - - - 68 - - - - 69 - - - - 70 - - - - 71 - - - - 72 - - - - 73 - - - - 74 - - - - 75 - - - - 76 - - - - 77 - - - - 78 - - - - 79 - - - - 80 - - - - 81 - - - - 82 - - - -

INTEREST COMPONENT

PRINCIPAL COMPONENT

OUTSTANDING RS.

83 - - - - 84 - - - -

EMI No. MONTHLY EMI

85 - - - - 86 - - - - 87 - - - - 88 - - - - 89 - - - - 90 - - - - 91 - - - - 92 - - - - 93 - - - - 94 - - - - 95 - - - - 96 - - - - 97 - - - - 98 - - - - 99 - - - -

100 - - - - 101 - - - - 102 - - - - 103 - - - - 104 - - - - 105 - - - - 106 - - - - 107 - - - - 108 - - - - 109 - - - - 110 - - - - 111 - - - - 112 - - - - 113 - - - - 114 - - - - 115 - - - - 116 - - - - 117 - - - - 118 - - - - 119 - - - - 120 - - - - 121 - - - - 122 - - - - 123 - - - - 124 - - - - 125 - - - - 126 - - - - 127 - - - - 128 - - - - 129 - - - -

INTEREST COMPONENT

PRINCIPAL COMPONENT

OUTSTANDING RS.

130 - - - - 131 - - - - 132 - - - -

EMI No. MONTHLY EMI

133 - - - - 134 - - - - 135 - - - - 136 - - - - 137 - - - - 138 - - - - 139 - - - - 140 - - - - 141 - - - - 142 - - - - 143 - - - - 144 - - - - 145 - - - - 146 - - - - 147 - - - - 148 - - - - 149 - - - - 150 - - - - 151 - - - - 152 - - - - 153 - - - - 154 - - - - 155 - - - - 156 - - - - 157 - - - - 158 - - - - 159 - - - - 160 - - - - 161 - - - - 162 - - - - 163 - - - - 164 - - - - 165 - - - - 166 - - - - 167 - - - - 168 - - - - 169 - - - - 170 - - - - 171 - - - - 172 - - - - 173 - - - - 174 - - - - 175 - - - - 176 - - - -

INTEREST COMPONENT

PRINCIPAL COMPONENT

OUTSTANDING RS.

177 - - - - 178 - - - - 179 - - - - 180 - - - -

EMI No. MONTHLY EMI

181 - - - - 182 - - - - 183 - - - - 184 - - - - 185 - - - - 186 - - - - 187 - - - - 188 - - - - 189 - - - - 190 - - - - 191 - - - - 192 - - - - 193 - - - - 194 - - - - 195 - - - - 196 - - - - 197 - - - - 198 - - - - 199 - - - - 200 - - - - 201 - - - - 202 - - - - 203 - - - - 204 - - - - 205 - - - - 206 - - - - 207 - - - - 208 - - - - 209 - - - - 210 - - - - 211 - - - - 212 - - - - 213 - - - - 214 - - - - 215 - - - - 216 - - - - 217 - - - - 218 - - - - 219 - - - - 220 - - - - 221 - - - - 222 - - - - 223 - - - -

INTEREST COMPONENT

PRINCIPAL COMPONENT

OUTSTANDING RS.

224 - - - - 225 - - - - 226 - - - - 227 - - - - 228 - - - -

EMI No. MONTHLY EMI

229 - - - - 230 - - - - 231 - - - - 232 - - - - 233 - - - - 234 - - - - 235 - - - - 236 - - - - 237 - - - - 238 - - - - 239 - - - - 240 - - - -

INTEREST COMPONENT

PRINCIPAL COMPONENT

OUTSTANDING RS.

Banking Analysis: Particulars Account 1

Bank Name

Association with Bank in months 6

Type – CC and C/A Current A/c

Limits if OD/CC 0

Recent changes

Hypothecation

Utilization 0.00%

Particulars 31-3-15 31-3-14

Net worth 59.53 32.05 86% 0 -100.00%TO 545.36 539.84 1% 0 -100.00%Fixed Assets (Net) 13.64 15.81 -14% 0 -100.00%

PBDT 13.23 3.79 249% 0 -100.00%Depreciation 2.17 2.54 -14% 0 -100.00%PBT 11.06 1.26 780% 0 -100.00%Tax paid 0.00 1.85 -100% 0 #DIV/0!PAT 11.06 -0.59 -1975% 0 -100.00%Post tax Cash profits + sal. + partners int. 13.23 1.95 580% 0 -100.00%

DRs TO Days 81.47 80.26 2% #DIV/0! #DIV/0!CRs TO Days 53.47 73.37 -27% #DIV/0! #DIV/0!SRP 22.93 13.90 65% #DIV/0! #DIV/0!

Particulars Current Yr Previous YrICR 2.57 1.49 #DIV/0!

DER 1.41 0.00 #DIV/0!

Current Ratio 2.14 1.50 #DIV/0!

TOL/TNW 1.41 0.00 #DIV/0!

DSCR 0.20 0%

ADDITIONAL NORMS FOR LOAN AMOUNT OF RS. 50 LACS

NORMS ACTUALS Met / Not met

Turnover 35crores 545.355

Net worth 3 crores 59.52837

PAT 40lacs 11.05782

Business stability 7 years 0

Debtor collection days <=120days 81.47

Creditors Payment date: <=120 days 53.47

DSCR >=1.50 0.20

TOL/TNW <=3 1.41

Banking norms 19%

Repayment track

Recent Borrowing

Commitment as a %of PBDIT Not to exceed 2%.

Business Loan 0 0

Final Score 47.60% #DIV/0!

Score band 0 0

Above 80% Good

70-80% Medium

Below 70% Bad

BANK OF BARODA----18590200000504

% Changes of Current over Prev Yr

Provisional Financials (Rs. In Lacs)

% Changes of Prov over Current Yr

Provisional Financials

>=60% of previous year turnover

75% of eligible loan amount with 12 month

seasoning

Not more than 1/3rd of unsecured Loan and

LAP should have been borrowed within last one year post the

Balance Sheet Date

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