pmmy scheme loan

7/23/2019 PMMY Scheme Loan

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PUNJAB NATIONAL BANK

BO: Nehru Place, NEW DELHI

Phone: 2644296,26222!49, 2646""4#$ %A&: 264'(!'E)*a+l -o (29 ./n-0co0+n1

Credit Appraisal Format for limits upto Rs.2 crore (for MSME upto Rs.5 crore)

SANCTIONIN A!T"ORIT#

C"IEF MANAER

The loan is processed under PMMY. The proposal falls under the powers of Chief Manager, BranchOffice due to total exposure 8.00 Lacs.

PNB PT3 No !"#00"0!0008# O$#%0#%"0!

&ate of proposal 8%0#%"0!

'hether fresh%renewal%enhance(ent%)n*principle

+resh Proposal

sset Classification as on $Credit -is -ating /ased on B 1.01."0!

Rati$% &ate of

Rati$%

Score A'S Reaso$s for

&e%radatio$

Present " 8.0#.! 2.00 1.01.! $

Pre3ious $ $

Credit -is core under P$B M4 core is 2 which is e5ui3alent

to " Marginal -is as per L6 circular 78%"07.

-ating alid up to9 2.0#."0:

Last PM core, if applica/le NACusto(er )& $o. C;<0!12 =Current %c $o.9 !"#00"0072022>

cti3it? Code

'hether sensiti3e sector @-eal estate%Capital (aretalongwith applica/le risweight

$o

00A

'hether priorit?%non priorit?sector as per L Cir 2:%"0!guidelines dated 02*0#*"0!u/*sector (a? also /e(entioned.

M4

&ate of last sanction 6anctioning uthorit?

$

IST OF T"E ROOSA

A0 Fres* applicatio$a Fu$d 'ased +or,i$% Capital imit of Rs. -. ac / ROI of 'aseRate 0 2.1 i.e 2.1 3it* applica4le processi$% fee as u$der67

-s.""!%* per Lac or part thereof

< M/s Shriansh > 1

mailto:[email protected]






Phone: 2644296,26222!49, 2646""4#$ %A&: 264'(!'E)*a+l -o (29 ./n-0co0+n1

. (i) For Fres* Term oa$7 NA

urpose

Cost of ro8ect

Total &e4t

romoter9s co$tri4utio$roposed T (our s*are)

&ER

Repa:me$t eriod

&oor to door te$or

'. Appro;al of ROI < Ser;ice C*ar%es as u$der67

articulars Nature of Facilit: E=isti$% roposed Applica4leRate

-ate of )nterest Cash Credit $ B- ".00A B- ".00A

Processing +ee +und Based -s.""!%* per Lac or part thereof

&ocu(entationCharges

+und Based -s 700%* per lac =L Cir 82%dtd "%02%"07>

.a> $a(e of the Borrower andConstitution

M% hriansh, =Proprietorship>,Cin no 0001187230715031547927

TIN NO :- 07820229523

/> ddress of -egd. Office 2! Chirag &elhi $ew &elhi 002

c> 'ors%+actor? 2! Chirag &elhi $ew &elhi002

d> &ate of incorporation%esta/lish(ent

"1.02."00

e> &ealing with P$B since ep "0!

f> Business cti3it? =Product>%)nstalled Capacit?

Manufacturing of wedding ;ar(ents

2. Branch Office%CO 175 Chirag !"hi N!# !"hi 110017>.a> &irectors%Partners%Proprietors

=$a(e, ddress, Mo/ile $o., e*(ail)& of (ain &irectors%De? persons>

Proprietor 1$ Mrs. &eepia Daush '%o Mr Manish Daush

ddress9 2! Chirag &elhiChattarpur outh &elhi $ew &elhi 002Mo/ile $o.9 #8#11"1Telephone $o9 0*1"77!#0!4*Mail )d9 shriansh2!g(ail.co(P$ $o.9 DP'0::1P

&E-9:7072"81822&ate of Birth9 7*08*#2:

/> 'hether an? of the(, in -B)FsCaution ad3ices%4C;C Cautionlist%'ilful defaultersG list. )f ?es,the reasons for considering theproposal.

$o

c> )f an? of the(, related to&irectors% r. Officers of P$B

$o

d> Manage(ent Change since lastsanction, if an?

$o

e> 'hether Me(orandu( of ssociation per(its the cti3it? 6

Powers for /orrowings

$

< M/s Shriansh > 2







Phone: 2644296,26222!49, 2646""4#$ %A&: 264'(!'E)*a+l -o (29 ./n-0co0+n1

f> hareholding Pattern s at 1.01."0!. &eepia Daush =00A>

g> 'hether the profile of the/orrower, its &irector% Partners%Pro(oters and its ;roup Cos.%

ssociate +ir(s has /een 3erifiedthrough C)B)L data/ase%othercredit infor(ation /ureaus

)f $o @ please gi3e reasons.)f Yes @ please gi3e details.

&ateOf C)- $a(e of C)C

d3erse features,if an? o/ser3ed

8.0#."0! 45uifax $il

8.0#."0! C)B)L $il

?. Facilities Recomme$ded 6 =-s.in lac>

Nature E=isti$% roposedNAT!RE

Cas* Credit N+l '0## Lac

TOTA COMMITMENT N+l '0## Lac

5 &etails of limits from ot*er 'a$,s<FIs<Co$sortium<Multiple 'a$,i$% 7 Nil

@.A &etails of roup Compa$ies<Allied<Associate firms a$d t*e facilities sa$ctio$ed to t*emNA

@.' Comme$ts o$ co$duct of t*ese accou$ts 3it* our 4a$,<ot*er 4a$,s 7 NA

@.C e: Fi$a$cial Fi%ures (Audited) of roup<Allied<Associate co$cer$s (for t*e last > :ears) NA

(Rs. i$ lac)

Paid <p Capital

-eser3es 6 urplus

Ta$%i4le Net3ort*

Bloc ssets

ecured%<nsecured Loans

ales

Profit /efore Tax

Profit fter Tax

Comme$ts o$ Fi$a$cial I$dicators 7 NA

B.A(i) Fi$a$cial ositio$ of t*e 4orro3er(Rs. i$ ac)

>.>.> >.>.? >.>.5 >.>.@

Audited Audited Audited ro8ected

;ross ales :".!" 7.00 78."8 80.00

A ;rowth *12.7"A 2.2!A :!.20A

Other )nco(e 0.00 0.00 0.00 0.00

Operating Profit 7.2# !." !.# !.71

$et Profit 7.2# !." !.#0 !.71

Cash Profit !.# !.78 :."" :.7:

Bloc ssets 1.## 1.!# 1.78 #.1&epreciation 0.70 0.1: 0.1" .01

$et ssets 1.!# 1."1 1.: 8."8

< M/s Shriansh > 3







Phone: 2644296,26222!49, 2646""4#$ %A&: 264'(!'E)*a+l -o (29 ./n-0co0+n1

Total Borrowings 0 0 0.00 8.00

Capital "0.:: "1.:! "2.8 #.2

Tangi/le $et 'orth "0.:: "1.:! "2.8 #.2

$et 'oring Capital .02 7.71 7."2 .71

Current -atio "".!# !7.77 #.81 ".17

&e/t 45uit? -atio * * * 0.70

OperatingProfit%ales

0.08 0.." 0." 0.0:

Long Ter( ources "0.:: "1.:! "2.8 #.2

Long Ter( <ses #.!# #."1 ".# 8."8

urplus % &eficit .02 7.71 7."2 .71

hort Ter( ources 0.7# 0."2 0.21 8.!

hort Ter( <ses .!: 7.2 !.00 #.#1

urplus % &eficit *.02 *7.71 *7."2 *.71

B.A(ii) Comme$ts o$ Fi$a$cial I$dicators

aid up capital<TN+The net*worth has increased fro( -s"1.:! lacs as on 1.01."07 to -s "2.8 as on 1.01."0! dueto retention of profit in /usiness. The net worth of the proprietor will decrease fro( -s "2.8 Lacs ason 1.01.! to -s#.2 Lacs as on 1.01."0: as proHected /? /orrower.

Reco$ciliatio$ of TN+ =-s. in Lac>

T$' as on close of +Y ended 1.1."07 "1.:! Lacs

dd9 PT !.#0Lacs

Less9 &rawings ".12 Lacs

T$' as on close of +Y ended 1.1."0! "2.8 Lacs

SalesThe sales of the fir( includes sales and Ho/ wor for reputed clients, where a part of (aterial issupplied /? the clients. The sales has increased fro( -s 7.00 Lacs in +Y"01*7 to -s 78."8 Lacsin +Y "07*!. The sales is expected to increase to -s80.00 Lacs in +Y "0!*:.The total salesachie3ed till 10.0:.! is -s 8."8 Lacs, out of this -s 1.!8 Lacs is for direct sales and -s 7.2 Lacs isIo/ wor. The part? has said that sales will pic up in the festi3al season fro( ep"0! onwards andthe fir( is expected to achie3e its target sales of 80.00Lacs as on 1.01."0:.

Ot*er i$come6 $o other inco(e is reported /? the fir(.

rofita4ilit:

The profit of the fir( has increased despite fluctuation in sales. This is due to the (argin 3ariationfro( clients. The (argin with /ul orders are less whereas it is high with retail sales. The fir( isplanning to esta/lish its own retail outlet in future in order to increase (argin. )t will also help the fir(to sta/iliJe its profit (argins and reduce dependence on whole sale /u?ers. The profit for +Y "0!*:is not expected to rise in the sa(e ratio as sales due to expenses on /rand de3elop(ent, increasedwages for (ore sought after artisans and new (ethod of charging depreciation. s per the part?, thefir( is expected to (ae good profit in future.

Curre$t ratio<&e4t Euit: Ratio

The /alance sheet till 1.01."0! contained 3alue of in3entor? which was not related to /usiness. lso, there were no /orrowings. This (ade the current ratio to increase a/nor(all? high. The

proHected /alance sheet of +Y "0!*: includes /an /orrowing and hence the current ratio ca(edown to ".71 which is accepta/le /eing (arginall? higher than /anFs standard at .11.

< M/s Shriansh > 4







Phone: 2644296,26222!49, 2646""4#$ %A&: 264'(!'E)*a+l -o (29 ./n-0co0+n1

B.' &etails of i$;estme$t i$ S*ares &e4e$tures !$its or di;ersio$ of fu$ds outside t*e

4usi$ess etc. 7 Nil

B.C &etails of ia4ilities $ot accou$ted for<Co$ti$%e$t lia4ilities 7 Nil

B.& Status<details of ad;erse comme$ts 4: Auditors of t*e 4orro3i$% u$it 7 NAB.E ositio$ of assessme$t of i$come ta=<sales ta=<3ealt* ta= of t*e 4orro3i$% co$cer$<

part$ers<proprietor7

The )T- for Y "0!*: has /een filed /? the fir( and the sales tax return for 5uarter ended10*0:*"0! has also /een su/(itted.

B.F O;erall li,el: impact of (B.' to B.E) o$ t*e fi$a$cial positio$ of t*e 4orro3i$% u$it

There is no ad3erse i(pact.

-.A rimar: Securit:.

i> +or,i$% capital facilit:6 E?pothecation of all inds of toc of raw (aterial, wor in progressto /e used in the Manufacturing of -ead?(ade ;ar(ents and +inished ;oods 6 Boo&e/ts.

-.' uara$tee<uara$tors-s in Lacs

Na*e o5 uaran7or

N8 IP Da7ePre+ou

Preen7 Pre+ou

Preen7

Pre+ou

Preen7

Mrs !!%i&a'a(sh

NA 27$18 Ni" Ni" NA 18$09$2015

Comme$ts o$ c*a$%es if a$:9

-.C Total Commitme$ts 4: uara$tor(s)

-.& Collateral Securit: (I$cludi$% details of c*a$%es i$ Is as securit: from last sa$ctio$ ifa$:)

$ot applica/le as the loan will /e co3ered under C;TM4, as per M<&- guidelines.

90 ositio$ of Accou$tD $ =+resh Proposal>

.A Co$duct of t*e Accou$t D $ =+resh Proposal>

.' Re;ie3 of t*e Accou$t (Appe$di= C to 4e e$closed) D

$ =+resh Proposal>

.C alue of t*e Accou$t D $ =+resh Proposal>

.& u((ar? of irregularities pointed out /? BanFs )nspectors, Concurrent uditors, Credit udit6 -e3iew &i3ision =C6-&>, -B) )nspectors, tatutor? uditors, o/ser3ations of toc udit-eport, Co((ent on Pre3enti3e Monitoring core Trends, =and status of rectification of theseirregularities>

< M/s Shriansh > 5







Phone: 2644296,26222!49, 2646""4#$ %A&: 264'(!'E)*a+l -o (29 ./n-0co0+n1

$ @ $il

. 'rief "istor: (S*ould also i$clude comme$ts o$ i$dustr: sce$ario a$d i$dustr:outloo, ma$a%eme$t productio$ a$d mar,eti$% 4orro3ers di;ersificatio$

e=pa$sio$ moder$isatio$ pro%ramme ris, perceptio$ i$cludi$% e$;iro$me$tal a$dsocial ris, alo$%3it* proposed miti%atio$s)

M% hriansh is a proprietor fir( owened /? Mr &epia Daush since ?ear "00. The fir( is in the/usiness of (aing wedding gar(ents. The clints of the fir( includes well nown stores of &elhi andMu(/ai. Their (ain clint are M% &iwan ahe/ +ashions P3t ltd, M% Millionaire of Mu(/ai and M%Iinaa( of Mu(/ai. The fir( is planning to expand its /usiness and open its own store. Mrs &eepiaDaush is a graduate of $)+T, &elhi. he is well experienced in the /usiness.

2. rese$t roposal

a> Brief of the proposal

The present proposal is for grant of woring Capital of -s 8.00 Lacs to the fir(./> Iustification for woring capital sanction as per si(plified (ethod or traditional (ethod of

lending, as the case (a? /e

(ii) Assessme$t of Fu$d 'ased imits as per simplified tur$o;er met*od(Rs. i$ ac)

257@

ccepted ales =i> 80.00

'oring Capital-e5uire(ent "!A of the

ales =ii>

"0.00

tipulated Margin !A of the ales =iii>

7.00

$et 'oring Capital 3aila/le =i3>

.71

Per(issi/le Ban +inance=ii>*=iii> % =ii>*=i3>, whiche3er is

less

8.!2

+ir(Fs -e5uest 8.00

>. > Co((ents on Credit -is -ating -eport =-easons for downgrade /e (entioned>The internal rating P$B M4 score is 2 which indicates ris rating of K"F Marginal

-is.

/> -ate of )nterest applica/le as well as proposed9-ate of )nterest as per Ban ;uidelines is proposed.

c> -is perception, if an?9The fir( is woring in highl? co(petiti3e (aret, which li(its the a/ilit? to pass on theincrease in input cost to custo(ers. Eowe3er, the proprietor is well experienced in thisline of /usiness and ha3e esta/lished good relationship with the custo(ers.

?. Ot*er Issues

I$crease i$ Fi=ed AssetsThe +ir( has proposed to increase the Bloc ssets during +Y "0!*: /? purchase of new(achiner? to increase the output.

< M/s Shriansh > )







Phone: 2644296,26222!49, 2646""4#$ %A&: 264'(!'E)*a+l -o (29 ./n-0co0+n1

5. Summar: of merits<8ustificatio$s for co$sideri$% t*e proposal.

• The proprietor is well experienced in this line of /usiness.

2@A &eficie$cies<&e;iatio$s i$ t*e proposal o4ser;ed 4: t*e recomme$di$% aut*orit:7Nil

@.' Recomme$datio$s6

Deeping in 3iew the a/o3e, we reco((end for +und Based 'oring Capital Li(its of -s.8.00Lac with applica/le -O), Processing +ee, Co((ission and &ocu(entation charges asfollows9

(Rs. i$ ac)

Nature of imit E=isti$% roposed

Cash Credit $il 8.00

Total Commitme$t Nil -.

&etailed Terms a$d Co$ditio$s are as per Appe$di=D I.

Certified that the stipulated ter(s and conditions ha3e /een dul? discussed with the /orrower.

Ma$a%er

Orders of t*e Sa$ctio$i$% Aut*orit:

C*ief Ma$a%er &ATE6

< M/s Shriansh > 7







Phone: 2644296,26222!49, 2646""4#$ %A&: 264'(!'E)*a+l -o (29 ./n-0co0+n1

AEN&IG D I&etailed Terms a$d Co$ditio$s of Sa$ctio$

Accou$t6 M<s S*ria$s*'O6 Ne*ru lace Ne3 &el*i

FACIIT# NO.

NAT!RE OF FACIT# Cas* Credit imit

AMO!NT -s.8.00 Lac

RATE OF INTEREST B- "A i.e ".00A at (onthl? rest su/Hect tochange fro( ti(e to ti(e as per Ban guidelines

Mar%i$ "!A on toc and 70A on Boo &e/ts

C*ar%es . rocessi$% Fee7 -s ""!.00per Lac plus

er3ice tax and education Cess 7.7" A2. &oc C*%6 -s 700.00 Per Lac plus er3icetax 7.7"A

SEC!RIT# . rimer:6 E?pothecation O+ toc of -M,')P, +inished ;oods and -ecei3a/les $&Boo &e/ts

2. Seco$dar:6 ;uaranteed under C;TM4. pplica/le +ee as per /an guidelines will/e charged for C;TM4 co3er

Su4missio$ of stoc, stateme$t6

i> To /e su/(itted uarterl? /? 0th of the each 5uarter.2 Stoc, aluatio$ H ;erificatio$

i> tocs to /e 3alued at Cost price or realiJa/le 3alue, whiche3er is lower.

ii> tocs under cash credit will /e checed% 3erified on uarterl? /asis at regular inter3al /? BanFs officials and /orrower to facilitate the /an in this regard.Boode/ts%recei3a/le up to #0 da?s will /e considered for calculating &P.

> I$sura$ce

i> Borrower shall get the h?pothecated stocs ,including stocs in transit insured for

full 3alue co3ering the riss of fire, thefts ,/urglar?, -CC =tries, riots, ci3il,co((otion> earth5uae, terrorist riss, floods, riots etc. co(prehensi3el? withKgreed /an clause at /orrowerFs cost.

ii> ll the other assets h?pothecated or (ortgaged to the /an are to /e eptco(prehensi3el? insured with usual /an clause.

TERMS H CON&ITIONS6.

. The o3erall ceiling of +B Li(it for CC li(its shall /e -s. 8.00 Lac.

The facilit? to /e guaranteed under C;TM4

< M/s Shriansh > 8







Phone: 2644296,26222!49, 2646""4#$ %A&: 264'(!'E)*a+l -o (29 ./n-0co0+n1

$a(e of ;uarantor $Ms )Ps C- &ate

Pre3ious Present Pre3ious Present Pre3ious

Mrs &eepia Daush $ "2.8Lacs $il $il 8.0#."0!

2. The /orrower will deal with us exclusi3el? and shall not open current account with an? Banwithout our prior per(ission and shall route all sale transactions through the accounts.

>. The 3alidit? of the sanction shall /e " (onths and the co(pan? shall arrange su/(ission of co(plete papers for renewal of li(its within 0 (onths fro( the date of sanction. )n case of non su/(ission of re5uisite infor(ation /? the /orrower within " (onth of the sanction, penalinterest as per BanFs guidelines shall /e charged.

?. $o &P to /e allowed against stoc older than : (onths, de/tors older than #0 da?s. $etting of creditors against de/tors shall /e done as per Ban guidelines.

5. Processing fees, inspection charges and other charges to /e reco3ered as per Banguidelines.

@. The part? to su/(it stoc state(ent along with list of sundr? de/tors 6 creditors e3er? uarter /efore 0th of next (onth. The part? to also (aintain in3entor? register. The Ban or itsauthoriJed officials or its other representati3e will ha3e the right to carr? our periodicalinspection or exa(ine the /oos of the accounts at the cost of the part?.

B. The /an shall ha3e the right to withdraw%(odif? all% an? sanction ter(s and conditions as per stipulate fresh conditions under inti(ation to the co.

-. The part? to undertae not to di3ert%utiliJe /anFs funds to other sister%associate%group

concerns or for the purposes other than those for which the credit facilities ha3e /eensanctioned.

. The /an shall charge penal interest under the following circu(stances9a> )rregularities%o3er drawings in PC%P accounts/> $on su/(ission %dela?ed su/(ission of stoc state(ent after the 0th of the following

(onth.c> $on*su/(ission%dela?ed su/(ission of 5uarterl? re3iew sheet infor(ation after 0da?s

fro( the close of the concerned 5uarter.d> $on*su/(ission%dela?ed su/(ission of renewal proposal with audited /alance sheet as

stipulated a/o3e.e> &efault in o/ser3ance of /orrowers co3enants%ter(s 6 conditions of the sanction.

f> 4xcess /orrowing arising out of shortfall in (ini(u( stipulated $'C as recurred in PB+co(putation.

. )n case the co(pan? co((its default in the repa?(ent of loan%ad3ance or in the pa?(ent of interest thereon or an? of the agreed install(ent of loan on due date, the Ban and %or -B) willha3e an un5ualified right to disclose or pu/lish the na(e of the fir( and its proprietor asdefaulters in such (anner and through such (ediu( as the Ban or -B) in their a/solutediscretion (a? thin fit.

. toc to /e co(prehensi3el? insured at /orrowerFs cost with agreed Ban clause. +ixed assetsto also re(ain co(prehensi3el? insured against all riss.

2. toc to /e 3alued at cost price or realiJa/le 3alue whiche3er is lower

>. ll other ter(s and conditions as applica/le to such ad3ance will /e applica/le fro( ti(e to

< M/s Shriansh > 9







Phone: 2644296,26222!49, 2646""4#$ %A&: 264'(!'E)*a+l -o (29 ./n-0co0+n1

ti(e

?. The Ban will alwa?s /e at li/ert? to stop (aing further ad3ance or cancel the credit facilit? atan? ti(e without pre3ious notice and without assigning an? reason e3en though the said li(it%credit facilit? has not /een full? a3ailed of.

5. Part? to gi3e an affida3it that there is no ;o3t.% tatutor? dues i.e. electricit?% water% Telephone/ills, Propert? Tax etc. is outstanding and paid in ti(e. Latest pa?(ent proof of such taxes /eo/tained and ept on record.

Ma$a%er C*ief Ma$a%er

< M/s Shriansh > 10



pmmy scheme loan

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