state bank of india no. pan card no. 5 constitution proprietory/ partnership firm/ pvt ltd/ ltd...

STATE BANK OF INDIA:

MANUFACTURING

ANNEXURE-A - For MSE’s upto 25 Lakh. (Application form)

ANNEXURE-B - For Others Amount wise (Application form)

TRADE AND SERVICES

ANNEXURE-C - For MSE’s upto 25 Lakh. (Application form)

ANNEXURE-D - General Information (Application form)

NAME AgeAcademic

QualificationRESIDENTIAL

ADDRESSTELEPHONE

(Residence)

Experiencein the line of activity

STATE BANK OF INDIA:ANNEXURE – A

APPLICATION FORM FOR MSEs - Upto Rs 25 Lakh

To be submitted along with documents as per the checklist

(For Office Use)

1 NAME OF THE ENTERPRISE

2 REGD. OFFICE ADDRESS

3 ADDRESS OF FACTORY/ SHOP

4 WHETHER BELONGS TO SC/ST/OBC/MINORITY

Telephone No. (Office)

E MailAddress

Mobile No. PAN Card No.

5 CONSTITUTION Proprietory/ Partnership firm/ Pvt Ltd/ Ltd Company/ Co-op Society

6 DATE OF ESTABLISHMENT

7 NAME OF PROPRIETOR/ PARTNERS/ DIRECTORS OF COMPANY AND THEIR ADDRESSES

Name of AssociateConcern

Address of Associate Concern

PresentlyBanking with

Nature ofAssociation

Extent of Interest as aProp./Partner/Director

or Just Investor in Associate concern

Type of facility

Limit(in lacs)

Outstanding as on …….

Presentlybanking

with

SecurityLodged

Rate ofInterest

RepaymentTerms

Current A/c

Cash Credit

Term Loan

LC/BG

If banking with this Bank, Customer No. be given here

Type of facility

Amount(in lacs)

Purpose for which

reduiredSecurity Offered

Primary Security (Details with approx. value to be mentioned)

Whether CollateralSecurity offered (Please mention yes or no) (If yes, then provide details in Column 12)

Cash Credit YES / NO

Term Loan YES / NO

LC/BG YES / NO

8 ACTIVITY Existing

Proposed(#)# If a different activity other than existing activity is proposed

9 NAMES OF ASSOCIATE CONCERNS AND NATURE OF ASSOCIATION:

10 Relationship pf Proprietor/Partner/Directorwith the officials of the Bank/Director of the Bank

10(a) CREDIT FACILITIES (EXISTING) (Rs. in lacs)

10(b) It is certified that our unit has not availed any loan from any other Bank/ Financial Institution in the past and I am not indebted to any other Bank/ Financial Institution other than those mentioned in 10(a) above.

11 CREDIT FACILITIES (PROPOSED):

In case of term loan requirements, the details of machinery may be given as under:

Past Performance/ Future Estimates (Actual performance for two previous years, estimatesfor current year and projection for next year to be provided for working capital facilities. However for term loan facilities, projections to be provided till the proposed year of repayment of loan):

(Rs in lacs)PAST YEAR-II(Actual)

PAST YEAR-I(Actual)

PRESENT YEAR(Estimates)

NEXT YEAR(Projection)

Net SalesNet ProfitCapital (Net worth in caseof companies)

Statutory Obligation Whethercomplied with (Write Yes/No). If not applicable, then write N.A.

Remarks (Any details inconnection with the relevant obligation to be given)

1. Registration under Shops and Estd Act2. Registration under SSI (Provisional/Final)3. Drug License4. Latest Sales tax return filed5. Latest Income tax return filed6. Any other statutory dues remaining outstanding

Type of machine

Purpose for which

required

Whether imported or indigenous

Name of supplier

Total cost of machine (in case

of imported machine, the

breakup of basic cost, freight,

insurance and customs duty be

given)

Contribution being made by the promoters

Loan required

12. Details of Collateral Security offered, if any, including 3rd party guarantee *(* As per RBI guidelines, banks are not to take collateral security for loans upto Rs. 5 lakhs toMSME units)

13

14 Status regarding Statutory Obligations:

SPACE FOR PHOTO SPACE FOR PHOTO SPACE FOR PHOTO

Signatures of Proprietor/ Partner/ Director whose photo is affixed above

Only one photo of properitor / each Partner / Each working Director is required to be affixed. Each photo will be certified/attested by the Branch Team with name andsignatures on the photograph with Branch stamp. The concerned staff will put his name below the signatures.

15

16 Date: Place:

I/We certify that all information furnished by me/us is true; that I/We have no borrowing arrangements for the unit except as indicated in the application; that there is no overdues/statutory dues against me/us/promoters except as indicated in the application; that no legal action has been/is being taken against me/us/promoters; that I/We shall furnish all other information that may be required by you in connection with my/our application that this may also be exchanged by you with any agency you may deemed fit and you, your representatives, representatives of the Reserve Bank of India or any other agency as authorised by you, may, at any time, inspect/verify my/our assets, books of account etc. in our factory/business premises as given above.

ANNEXURE-B -- For Others Amount wise (Application form)

State Bank of India

Annexure – SSI /1

Small Scale Industries

Application Form

For credit facilities up to Rs. 10 lacs

Note : Item 18 to be filled in by those applying for credit facilities above Rs. 50,000/-

1. Name of the Unit:

Constitution (Please (Proprietary / Partners /

strike out which ever Co-operative Society) is not applicable)

2. Registration No.: (as given by the District Industries Centre /

Directorate of Industries)

3. Business Address:

Residential Address:

4. Background (To be filled up for each individual)

4.1 Name(s) of the Proprietor / Partners

Surname Name Father’s / Husband’s Name Age Sex

4.2 Whether the applicant belongs to Yes / No

Scheduled Caste / Tribe /Minority

Community. If yes, please furnish proof thereof.

4.3 Whether the applicant is Ex- Yes / NO

Serviceman. If yes, please furnish

proof thereof.

4.4 Present annual income of the family

with brief details of the sources

(Indicate farm income & non-farm

income separately)

State Bank of India

5. Size of the applicant’s family Adult ______ Children _____

6. Please furnish ration card No. and

Name of the Issuing Office 7. Size and particulars of land

holdings, if any, in the name of the

applicant of family members

8. Minimum amount required per Rs. ______________

month for family maintenance 9. Cost of the project Fixed Assets RS. ________

Current Assets Rs. ________

Total Rs. ________

10. Brief description of the industrial

activity 10.1 Existing

10.2 Proposed

11.1 Number of persons presently (to be filled in case of existing unit only)

11.2 Number of persons proposed to be

Employed

12. How the activity was financed so far (to be filled in case of existing

unit only)

Source of

Funds (*)

Security Rate of Int. Repayment

per Month

Present

Outstanding

Amount of

Default (if

any)

(*) (Indicate name & address of the sources of funds, e.g. banks / financial institutions / other (specify)

13. Raw materials required (quantity) and sources of supply:

14. Location of the market for the product(s):

15. Financial Projections:

Particulars 1st Year 2

nd Year 3

rd Year

Turnover

Raw Material

Purchases

Other Expenses

Profit

(Indicate the assumptions based on which the above figures have been worked out)

State Bank of India

16. Purpose of the new loan

17. Amount of loan required

18. Means of Financing

18.1 Promoter’s contribution

18.2 Subsidy

18.3 Seed Capital 18.4 Loan (Working Capital / Term Loan)

I / We certify that all information furnished by me /us is true; that I / We have no

borrowing arrangements for the unit with any bank except as indicated in this application;

that there is no overdues / statutory dues against me / us except as indicated in this application; that no legal action has been / is being taken by against me / us; that I / we

shall furnish all other information that may be required by you in connection with my /

our application; that this may also be exchanged by you with any agency you may deem

fit and you, your representatives, representatives of the Reserve Bank of India / National

Bank for Agriculture and Rural Development / Small Industries Development Bank of India or any other agency as authorized by you, may at any time, inspect / verify my / our

assets, books of accounts, etc. in our factory / business premises as given above.

(Affix a photo, in case of thumb impression)

Date Signature / Thumb impression of the Borrower

Place

State Bank of India

Annexure – SSI /2


Application Form

For credit facilities of over Rs. 10 lacs & up to Rs. 50 lacs

1. Name of the Unit: (In block letters)

1.2 Constitution: (Proprietary / Partnership Firm /

(Please strike out whichever is not Private Limited Company /

applicable) Public Limited Company /

Co-operative Society) 1.3 Name of the business house / group :

(if any)

2.1 Registration No. :

(As given by the District Industries

Centre / Directorate of Industries)

2.2 Date of Incorporation /

Commencement of Business:

3 Business Address with Telephone / Telex Number

3.1 Registered Office:

3.2 Administrative Office:

3.3 Factory:

4. Background of the (Please furnish background for

Proprietor / Partners / Directors each person as per the

Appendix I)

5. Brief description of the Industrial activity

5.1 Existing

5.2 Proposed

6. How the Activity was financed so far: (to be filled in case of existing unit only)

Source of Funds (*) Security Rate of

Int.

Repayment

Per month

Present O/s. (in

000s of Rs.)

Amount of

Default (if any)

(*) Indicate sources of funds with name & address, e.g. banks/ financial institutions / others specify)

State Bank of India

7. Past performance for last three years (to be filled by existing unit only)

(in 000s of Rs.)

Particulars 20__ 20__ 20__

Turnover

Net Profit

Retained Profit

Monthly Turnover for last twelve months

Jan Feb Mar Apr May Jun

Jul Aug Sep Oct Nov Dec

8. Arrears in Statutory payments (if any)

a) Income tax

b) Sales tax

c) Provident Fund

d) Employees State Insurance Corporation e) Others (specify)

9. If the unit is an ancillary unit, the undertaking to which it is catering and its

address

10. Name of the associate concern(s), if any

10.1 Nature of association and amount invested

10.2 Nature of activity

10.3 Items traded / manufactured

10.4 Turnover and profit during preceding three years.

State Bank of India

11. Employment Present Proposed

Executives

Supervisory Administrative / Office Staff

Skilled Labour

Unskilled Labour

12. Technical Feasibility ________________

12.1 Name of the product(s), including Bye-products & its (their) use

12.2 Manufacturing Process, in brief (Indicate to the extent possible, stage-wise

capacity data, yield/ conversion data, material flow, etc.

12.3 Capacity: (No . of Units / Quantity in kg. / Volume in litre per annum)

Capacity for each

product

Licensed Installed Operating

Number of working days in a month and Number of shifts in a day:

12. 4 Locational advantages of existing and /or proposed premises and with

reference to i) absence of civic restrictions

ii) proximity to the source of raw materials

iii) market for the product

iv) availability of

a) power b) water

c) labour

d) transport

v) whether clearance has been

obtained from the pollution control authority? 12. 5 Land & Building

Area / Plinth Area (in sq. meters) Value (in 000s of Rs.)

Existing Proposed Existing Proposed

Factory Land

Factory

building

Ancillary

building

Open Storage

Space

State Bank of India

12.6 Type of soil and load bearing capacity (enclose test report)

Enclosures:

a) certified photo copy of sale / lease deed

b) certified photo copy of the Govt. order converting the land into

industrial land, if applicable c) locational map

d) certified photo copy of the site plan of the land and blueprints of the

buildings duly approved by Corporation / Municipality / Panchayat.

12.7 Particulars of Machinery & other assets : As per Appendix II

12.8 Necessity & purpose for the proposed investment / addition to factory premises /

machinery (in case where such investment is intended) for achievement of the

anticipated turnover.

12.9 Raw Materials / Components

(Please mention about the imported and indigenous items separately)

Name / Brief description of the items

(A) (B) ( C) (D)

Quantity

Required

Sources of Supply

Minimum Purchase

Quantity

Lead / Procurement Time

Available throughout the

year

If answer to the above is

no, then no. of months it is

available

(enclose proforma invoices in respect of each item, if available)

13. Utilities

(Give comments on requirement, availability adequacy, qualitative aspects, etc.)

a) Power

Contracted Load

Connected Load

State Bank of India

Future power consumption

(in no. of units) per month

(Enclose certified Xerox copy of sanction for power connection)

b) Water

c) Fuel

d) Others (specify)

14. Economic Feasibility

Marketing (mention separately for each product)

14.1 Whether the product is reserved exclusively for the SSI sector?

14.2 Name of the Major customers

14.3 Region / Area where the product is / will be sold

14.4 Extent of competition & No. of Units engaged in similar line in the area

14.5 How does the unit meet / propose to meet the competition? (comment on the competitive advantages enjoyed by the unit)

14.5.1 In price and quality, how does the unit’s product compare with those of its

competitors?

14.5.2 Is the Unit selling direct to its customers? If so please furnish details like sales

force, showrooms, depots, etc.

14.5.3 If a selling / distribution agency has been appointed, its name, period of contract,

commission payable, period by which the bills will be paid by it etc. (enclose

copies of agreement, wherever such agreement has been entered into)

14.6 Nature and volume of orders / enquiries on hand

(certified Xerox copies to be furnished)

State Bank of India

14.7 If the Unit is export oriented, please furnish exporter code no., if allotted, And relevant details as under in the preceding three years:-

Code No.:

Name of the product exported

Name of the Country where Exported

F.O.B Value in US $

15. Cost of Project

(Please furnish estimates of cost of project under the following heads, Indicate the

basis for arriving at the cost of project)

(In 000s of Rs.)

Sr.

No.

Particulars Already

Incurred

To be incurred Total Cost

A Land including

development

B Building & Other Civil

Works

C Plant & Machinery

1) indigenous

2) Imported

D Essential Tools, Spares &

Accessories

E Testing Equipment

F Miscellaneous Fixed

Assets

G Erection / Installation Charges

H Preliminary Expenses

I Pre-Operative Expenses

J Provision for

Contingencies

1. Buildings

2. Plant & Machinery 3. Other Fixed Assets

K Margin for Working

Capital Required

L Total

State Bank of India


(Please furnish details of sources of finance for meeting the cost under the following heads)

(In 000s of Rs.)

Sr.

No.

Particulars Amount

Already Raised

Amount

Proposed to be Raised

Total

A Capital (specify resources contributing capital)

B Reserves

C Term Loans

(give full particulars

D Unsecured Loans and

Deposits

(indicate sources, rate of

interest, repayment period, etc.)

E Deferred Payment Arrangements including

Suppliers Credit

F Subsidy Central Govt.

State Govt.

G Seed Capital

(indicate sources)

H Internal Cash Accruals

I Other Sources (specify)

J Total

16.1 In case internal accruals are taken as source of finance, explain the basis for

estimation of internal accruals by means of a statement.

16.2 Indicate sources from which expenditure already incurred has been financed

16.3 Promoter’s contribution to the project as % of the total cost

(Please furnish list of persons / firms who would be contributing to promoter’s

share of the capital and the respective amounts and their relationships)

State Bank of India

17. Schedule of Implementation

Please indicate the progress made so far in the implementation of the project and furnish the schedule of implementation as follows

Date of Expected date of

commencement completion

a) Acquisition of Land

b) Development of Land c) Civil works for

Factory building

Machinery Foundation

Administrative Building

d) Plant & Machinery Imported

Indigenous

e) Arrangement for power

f) Arrangement for water

g) Erection of equipment h) Commissioning

i) Initial Procurement of Raw

Material

j) Trial Runs

k) Commercial Production

18. Future Projections

(To be given for the next three years)

Please furnish data on projected profitability as per Appendix III

Please furnish data on projected cash flow statement as per

Appendix IV.

Percentage of Cash Sales in Total Sales ____% Period in which payment is received in respect of credit sales

___ days

Average credit available on purchases

____ days

19. Working Capital Required for the Anticipated Turnover:

(Please furnish data as per Appendix VI)

20. Repayment Programmes:

State Bank of India

21. Details of Securities to be offered

21.1 Primary

(Working capital and term loan

securities to be indicated separately)

21.2 Collateral, if any, (give full details)

21.3 Details of guarantor(s)

21.3.1 Name

21.3.2 Residential Address

21.3.3 Occupation

(if in service, name, & address of

his / her employer)

21.3.4 Details of Movable & Immovable

Property (ies) Owned by him / her & Other dependent family members

21.3.5 Details of any similar guarantee, if

Any, given to other institutions

I / We certify that all information furnished by me / us is true; That I / We have no

borrowing arrangements for the Units with any bank except as indicated in the

application; that there is no overdues / statutory dues against me / us / promoters except

State Bank of India

as indicated in the application; that no legal action has been / is being taken against me /

us / promoters; that I / We shall furnish all other information that may be required by you

in connection with my / our application; that this may also be exchanged by you with any agency you may deem fit and you, your representatives, representatives of the Reserve

Bank of India / National Bank of Agriculture & Rural Development / Small Industries

Development Bank of India / Deposit Insurance and Credit Guarantee Corporation of any

other agency as authorized by you, may at any time, inspect / verify my / our assets,

books of accounts, etc., in our factory / business premises as given above.

Date __________________

Place Signature of the Borrower

(Name & Designation)

Encl.: Certified Xerox copies of

a) Balance Sheets with Trading and Profit & Loss Account for the last three

years.

b) Memorandum and Articles of Association, Certificate for Commencement

of Business. c) Income Tax, Wealth Tax Returns and assessment orders for the last

Three years, for the unit as well as proprietors / partners / Directors

d) Sales Tax Returns for the last three years.

Forms as per Appendix – SSI-I to Appendix – SSI- VI given hereafter should also be submitted along with the application for advances above Rs. 10 lacs,

State Bank of India

Annexure – SSI /3


Application Form

For Credit Facilities of over Rs. 50 lacs & upto Rs. 5 crores

1.1 Name of the Unit

(In block letters) 1.2 Constitution: (Proprietary / Partnership Firm /

(Please strike out whichever is not Private Limited Company /

applicable) Public Limited Company /

Co-operative Society)

1.3 Name of the business house / group : (if any)


(As given by the District Industries

Centre / Directorate of Industries)

2.2 Date of Incorporation /

Commencement of Business:

3 Business Address with Telephone / Telex Number

3.1 Registered Office:

3.2 Administrative Office:

3.3 Factory:

4. Background of the (Please furnish for

Proprietor / Partners / Directors each person as per the

Appendix I)

5. Brief description of the Industrial activity 5.1 Existing

5.2 Proposed

6. How the Activity was financed so far: (to be filled in case of existing unit only)

Source of Funds (*) Security Rate of Int.

Repayment Per month

Present O/s. (in 000s of rs.)

Amount of Default (if any)

(*) Indicate sources of funds with name & address, e.g. banks/ financial institutions /

others specify)

State Bank of India

7. Past Performance

(To be filled by the existing unit only)

(Indicate in 000s of Rs.)

Particulars Last Year Last but One year Last but two years

Turnover

Net Profit

Retained Profit

Monthly Turnover for last twelve months

Jan Feb Mar Apr May Jun

Jul Aug Sep Oct Nov Dec

8. Arrears in Statutory payments (if any)

a) Income tax b) Sales tax

c) Provident Fund

d) Employees State Insurance Corporation

e) Others (specify)

9. If the unit is an ancillary unit, the undertaking to

which it is catering and its address

10. Name of the associate concern(s), if any

10.1 Nature of association and amount invested

10.2 Nature of activity

10.3 Items traded / manufactured

10.4 Turnover and profit during preceding three years.

11. Employment Present Proposed

Executives Supervisory

Administrative / Office Staff

Skilled Labour

Unskilled Labour

State Bank of India

12. Technical Feasibility

12.1 Name of the product(s),

including Bye-products & its

(their) use

12.2 Manufacturing Process, in brief (Indicate to the extent

possible, stage-wise capacity data,

yield/ conversion data, material flow, (etc).

12.3 Capacity: (No . of Units / Quantity in kg. / Volume in litre per annum)

Capacity for each

product


Number of working days in a month

and Number of shifts in a day:

12.4 Locational advantages of existing

and /or proposed premises and with

reference to

i) absence of civic restrictions



i) availability of a) power

b) water

c) labour

d) transport

v) whether clearance has been obtained from the pollution control authority?

State Bank of India

12.5 Land & Building

Area / Plinth Area (in sq. metres) Value (in 000s of Rs.)


Factory Land

Factory

building

Ancillary

building

Open Storage

Space

12.6 Type of soil and load bearing capacity (enclose test report)

Enclosures:

a) certified photo copy of sale / lease deed

b) certified photo copy of the Govt. order converting the land into

industrial land, if applicable c) locational map

d) certified photo copy of the site plan of the land and blueprints of the

buildings duly approved by Corporation / Municipality / Panchayat.

12.7 Particulars of Machinery & other fixed assets :

As per Appendix II

12.8 Necessity & purpose for the proposed investment / addition to factory premises /

machinery (in case where such investment is intended) for achievement of the

anticipated turnover.

State Bank of India

12.9 Raw Materials / Components

(Please mention about the imported and indigenous items separately)

Name / Brief description of the items

(A) (B) ( C) (D)

Quantity

Required

Sources of Supply

Minimum Purchase

Quantity

Lead / Procurement Time

Available throughout the year

If answer to the above is

no, then no. of months it is available

(enclose proforma invoices in respect of each item, if available

13. (Give comments on requirement, availability / adequacy, qualitative aspects, etc.)

13.1 Power

Contracted Loan

Connected Load

Future power consumption

(in No. of units) per month

Standby arrangements

(enclose certified Xerox copy of sanction for power connection)

13.2 Water

(Enclosed certified Xerox copy of sanction for water connection)

13.3 Fuel

13.4 Others (specify)

State Bank of India

14. Quality Control

14.1 Details of arrangement made for Quality control. If BIS/FPO/ISO

Specifications are followed, no. of

BIS / FPO/ISO standards and the

Particulars thereof should be

Provided

14.2 Particulars of R & D activity

Proposed

15. Economic Feasibility

Marketing (mention separately for

Each product)

15.1 Whether the product is reserved

exclusively for the SSI sector 15.2 Name of the major customers

15.3 Region / Area where the product

is / will be sold 15.4 Extent of competition and No. of

units engaged in similar line in the

area

15.5 How does the unit

meets / proposes to meet the competition (comment on the

competitive advantages enjoyed

by the unit)

15.5.1 In price and quality, how does the

unit’s product compare with those of its competitors

15.5.2 Is the unit selling direct to its

customers ? If so, please furnish

details like sales force, showrooms,

depots, etc. 15.5.3 If a selling /distribution agency has

been appointed, its name, period

of contract, commission payable,

period by which the bills will be

paid by it etc. (enclose copies of agreement,

wherever such agreement has been

entered into)

State Bank of India

15.6 Nature and volume of

orders / enquiries on hand

(certified Xerox copies to be furnished)

15.7 If the units is export oriented,

please furnish exporter code no., if

preceding three years.

Code No.:

Name of the Product

Exported

Name of the Country where

Exported

F.O.B Value in US $

16. Cost of Project

(Please furnish estimates of cost of project under the following heads, Indicate the

basis for arriving at the cost of project) (In 000s of Rs.)

Sr.

No.

Particulars Already

Incurred

To be Incurred Total

Cost

A Land including development

B Building & Other Civil Works

C Plant & Machinery

1) Indigenous

2) Imported

D Essential Tools, Spares and

Accessories

E Testing Equipment

F Miscellaneous Fixed Assets

G Erection / Installation Charges

H Preliminary Expenses

I Pre-Operative Expenses

J Provision for Contingencies

1. Buildings

2. Plant & Machinery

3. Other Fixed Assets

K Margin for Working Capital

L Total

State Bank of India

17 Means of Financing


(In 000s of Rs.)

Sr.

No..

Particulars Amount

Already

Raised

Amount

Proposed

to be Raised

Total

A Capital (specify resources contributing capital)

B Reserves

C Term Loans

D Unsecured Loans and Deposits

(indicate sources, rate of interest, repayment

period etc.)

E Deferred payment Arrangements

Including Supplier’s credit

F Subsidy

Central Govt.

State Govt.

G Seed Capital

(indicate sources)

H Internal Cash

Accruals

I Other Sources

(specify)

J Total

16.1 In case internal accruals are taken as

Source of finance, explain the basis

For estimation of internal accruals by

Means of a statement 17.2 Indicate sources from which

expenditure already incurred has

been financed

17.3 Promoter’s contribution to the

project as % of the total cost

(please furnish list of person / firms

who would be contributing to the

promoter’s share of the capital and

the respective amounts and their relationships)

State Bank of India

17 Schedule of Implementation

Please indicate the progress made so far in the implementation of the project and Furnish the scheduled of implementation as follows

Date of

Commencement

Expected Date of

Completion


b) Development of Land

c) Civil works for Factory building Machinery

Foundation

Administrative Building

d) Plant & Machinery Imported

Indigenous

e) Arrangement for power

f) Arrangement for water

g) Erection of equipment

h) Commissioning

i) Initial Procurement of Raw Material

j) Trial Runs

k) Commercial Production

19 Future Projection (to be given for the next five years) please furnish data on

19.1 Projected profitability as per Appendix III

19.2 Projected cash flow statement as per Appendix IV

19.3 Projected balance sheet as per Appendix V

19.4 Working capital requirement as per Appendix VI

Percentage of Cash Sales to Total Sales _________%

Period in which payment is received in

Respect of credit sales _______ days

Average credit available on purchases _______ days 20. Financial Assistance required

20.1 Rupee Loan

20.2 Foreign Currency Loan

20.3 Term Loan

20.4 Working Capital (as worked out in Appendix VI)

20.5 Non-Fund Based Limits, i.e. other

Forms of assistance (e.g. L/Cs, Bank

Guarantee, etc.)

21 Repayment Programme

State Bank of India

22 Details of Securities to be Offered

22.1 Primary (working capital and term loan

Securities to be indicated separately) 22.2 Collateral, if any

(full details)

22.3 Details of guarantor(s)

22.3.1 Name

22.3.2 Residential Address 22.3.3 Occupation (if in service, name & address of

his /her employer)

22.3.4 Details of Movable & Immovable

Property(ies) owned by him / her & other

Dependent family members 22.3.5 Details of any similar guarantee, if any, given

to other institutions

23 Whether any Government enquiry,

Proceedings or prosecution has been

Instituted against the unit or its Proprietor / partners / directors for any

Offence ? If so, please give details.

24. Details of pending litigation, if any, against

And by the unit.

25. Please indicate whether the proprietor / any of the partners, promoters / directors have at

any time declared themselves as insolvent If

so, details thereof.

I / We certify that all information furnished by me / us is true; that I / We have no borrowing arrangements of the unit with any bank except as indicated in the application;

that there is no overdues / statutory dues against me / us / promoters except as indicated

in the applications; that no legal action has been / is being taken against me / us /

promoters; that I / We shall furnish all other information that may be required by you in

connection with my / our application; that this may also be exchanged by you with any agency you may deem fit and you, your representatives, representatives of the Reserve

Bank of India / National Bank of Agriculture and Rural Development / Small Industries

Development Bank of India / Deposit Insurance & Credit Guarantee Corporation or any

other agency as authorized by you, may, at any time, inspect / verify, my / our assets,

books of accounts, etc., in our factory / business premises as given above.

Signature of the Borrower

(Name & Designation)

Date

Place

State Bank of India

Encl: Certified Xerox Copies of

a) Audited balance Sheets with Trading and Profit & Loss Account, for the

last three years.

b) Memorandum and Articles of Association, Certificate of

Commencement of Business.

c) Income tax, Wealth tax Returns and assessment orders for the last three years, for the unit as well as proprietor / partners / promoters / directors.

d) Sales Tax Returns for the last three years

Forms as per Appendix – SSI-I to Appendix – SSI- VI given hereafter should also be

submitted along with the application

State Bank of India

Annexure-SSI/4

STATE BANK OF INDIA SMALL SCALE INDUSTRIES

Application Form

For Credit Facilities of over Rs.5 crores.

1.1 Name of the Unit

1.2 Constitution Proprietary/Partnership/Private Limited Concern/

Co-operative Society

(Please strike out which are not applicable)

1.3 Name of the business house/group to which the unit belongs


(as given by the District Industries Centre, Directorate of Industries)

2.2 Date of incorporation/commencement of business

3. Business Address with Telephone/Telex/Fax No.

3.1 Registered Office

3.2 Administrative Office 3.3 Factory

4. Background of Proprietor/Partners /Promoters/Directors

(Please furnish information for each person as per in Annexure-I)

5. Description of the Industrial Activity 5.1 Existing

5.2 Proposed

6. How the Activity was financed so far (to be filled in case of existing unit only)

Source of

Funds(*)

Security Rate of Unit Repayment

per month

Present

O/s.

Amount of

Default (if any)

(*) Indicate source of funds with name & address e.g. Banks/financial institutions/others (specify)

State Bank of India

7. Arrears in Statutory Payments (if any)

a) Income Tax

b) Sales Tax

c) Provident Fund

d) Employees State Insurance Corporation e) Other (specify)

8. Past Performance for the last three years (in case of existing units)

Particulars 20__ 20__ 20__

Turnover

Net Profit

Retained Profit

9. Monthly Turnover for last twelve months.

JAN FEB MAR APR MAY JUN

JUL AUG SEP OCT NOV DEC

9.1 MANAGEMENT

(Please furnish background of the main promoter other than those furnished in

Annexure-1. write-up on other companies, if any, promoted by him or with which

he is associate together with a copy of the latest balance sheet)

9.2 In case the promoter is a Limited Company, please furnish a write-up on the activities and past performance of the company and any other expansion

programme(s)/diversification contemplated

(a) Memorandum & Article of Association

(b) Audited Balance Sheet and Trading and Profit Loss A/cs for the last three

years of the promoter company.

Copy of the agreement(s), if any, entered into among the promoters.

State Bank of India

9.3 SHAREHOLDING

9.3.1 Please provide a list of shareholders under the heads

a) Promoters

b) Other major groups

c) Foreign collaborations d) NRI shareholders

e) Other institutions

Owing or controlling 5% or more of equity shares, indicating the amount owned

and business relationship, if any, with the company.

9.3.2 In case of preference shareholder, please give a list of ten largest shareholders.

9.3.3 Also furnish number of equity shareholders and preference shareholders

9.4 Employment Present Proposed

Executives

Supervisory

Administrative/Office Staff

Skilled Labour

Other (specify)

9.5 Particulars of existing key technical and executive staff

(Please furnish for existing as well as proposed staff)

Name Designation Qualification Experience Any Special achievement

(Inventions/

Research etc.)

Functional Duties at the

Unit.

10. If the unit is an ancillary unit, the

undertaking to which it is catering and its address

11. Name of the associated concern(s), if any and

11.1 Nature of Association and amount invested

11.2 Nature of Activity

11.3 Items traded/manufactures 11.4 Turnover and profit during preceding three years.

State Bank of India

12. Technical Feasibility (Please enclose the

Feasibility / project report)

12.1 Name of the Products (including by-products)

& its (their) use

12.2 Manufacturing Process, in brief, (indicate

technical process, whether it is a continuous

process, whether this has been tried in the country,

stage-wise capacity data, yield/conversion data,

Material flow etc.) 12.3 Capacity of Units/Quantity in Kg./Volume in Liters)

Capacity of

each product


12.4 No. of working days in a month & No. of shifts in a day 12.4.1 In case of any collaboration, please furnish a brief

write-up on the period of collaboration agreement,

the name of the collaborator company, indicating

the activities. Size, turnover, particulars of the

existing plants, other projects in India and abroad set up with same collaboration.

a) Copy of the published brochure highlighting the

activities of the collaborator and balance sheet

for the latest year.

b) Copy of the collaboration agreement c) Fees/royalties payable and the manner in which

payable.

d) Copy of the government approval, if required

for the service of foreign technicians, if any.

12.4.2 If there is no collaboration agreement please furnish full details of arrangement proposed to

be made for obtaining technical advice and

service needed for the implementation of the

project.

State Bank of India

12.4.3 Particulars of the Consultants :

a) Name and address of the consultants

b) Fees payable and the manner in which

payable c) Scope of work assigned to them

d) Brief particulars of consultants including

organizational set-up, bio-data of senior

personnel, names of directors/partners,

particulars of work done in the past and work on hand. Please enclose a copy of

the agreement with the consultants, and in

case of foreign consultant(s) approval of

the Government.

12.4.4 Whether any of the partners/

promoters/directors have any interest in

consultant/collaborator firm. If so, details to

be furnished

12.5 Locational advantages of existing and/or proposed premises with reference to :

i) absence of civic restrictions



iv) availability of a) power

b) water

c) labour

d) transport

12.6 LAND & BUILDING

Area/Plinth area

(in sq. metres)

Value (in 000sof Rs.)


Factory Land

Factory Building

Ancillary Building

Open Storage Space

(enclose Test Report)

State Bank of India

12.7 Type of soil and load bearing capacity

Enclosures :

a) Certified zerox copy of sale/lease deed

b) Certified zerox copy of the Govt. Order converting the land into industrial land, if applicable.

c) Locational map

d) Certified zerox copy of the site plan of the land showing contour lines, the

internal road, power receiving station, railway siding, tube-wells, etc. and

blue-prints of the building duly approved by corporation/municipality panchayat.

12.8.1 Please furnish the following particulars of Architects

12.8.1.1 Name and address of the architects/firm

12.8.1.2 Scope of work.

12.8.1.3 Rates quoted and detailed estimate of expenses

12.8.1.4 Fees payable and manner in which payable.

12.8.1.5 Time schedule

12.8.1.6 Penalties

12.8.1.7 Past experience of the architects in the similar work

12.9 PARTICULARS OF MACHINERY & OTHER FIXED ASSETS

As per Annexure –II

12.9.1 If sub-contract of any portion of production is envisaged, the production stages in which the sub-contracting will be done.

Details to indicate the availability of machinery particulars with the sub-

contractors with adequate spare capacity.

12.9.2 Arrangements made for erection and commissioning of the plant.

12.10 Necessity & purpose for the proposed investment/addition to factory

premises/machinery (in case where such investment is intended) for

achievement of the anticipated turnover.

State Bank of India

12.11 RAW MATERIALS & COMPONENTS (Please mention about the imported and indigenous items separately)

(A) (B) (C) (D)

Quantity Required

Sources of Supply

Minimum Purchase

Quantity

Lead/Procurement

Time

Available throughout

the year

If answer to above is

no then no. of months

& period when it is

available

(enclose copies of proforma invoices in respect of each item)

13. UTILITIES (Give comments on requirement, availability/adequacy, qualitative

aspects etc.)

13.1 Power

13.2 Sources of Power and Supply Voltage - Taken from Electricity Board

- Own generation

- Stand-up arrangements

13.1.2 Maximum Demand

13.1.3 Contracted Load 13.1.4 Connected Load

13.1.5 Energy Consumption per year

13.1.6 Power Tariff

13.1.7 Cost of Power per annum at maximum capacity utilization

Please enclose a. Certified zerox copy of sanction for power

b. Certified zerox copy of agreement with electricity board.

c. Certified zerox copy of electrical layout of the plant.

13.2 Water : 13.2.1 Indicate the requirements and suitability of water

13.2.2 Describe the water treatment arrangement

13.2.3 Sources for supply of water arrangement

Proposed and water charges payable

13.3 Steam : 13.3.1 Requirement of steam

13.3.2 Capacity of boiler

13.3.3 Arrangements proposed for steam

State Bank of India

13.4 Compressed Air :

13.4.1 Requirements of compressed air

13.4.2 Arrangements proposed for compressed air 13.5 Fuel :

13.5.1 Requirement of fuel

13.5.2 Arrangements proposed for supply

13.6 Arrangement proposed for carrying raw materials.

14. EFFLUENT Please furnish full details of the value of atmosphere, soil and water pollution

likely to be created by the project and measures proposed for control of pollution.

Indicate whether necessary permission for the disposal of effluent has been

obtained from the concerned authority, if yes, a copy of the certificates should be

furnished.

15. QUALITY CONTROL 15.1 Details of arrangements made for quality control

If BIS/FPO/ISO specifications are followed, no. of

BIS/FPO/ISO standards and particulars thereof should be provided

15.2 Particulars of R&D activity proposed.

16 ECONOMIC FEASIBILITY

Marketing (mention separately for each product)

(Please enclose a Market Survey Report

16.1 Whether the product is reserved exclusively for the SSI Sector? If so, please

furnish Item Code No.

16.2 Names of the Major customers

16.3 Region/Area where the product is/will be sold

16.4 Extent of competition & No. of Units engaged in similar line in the area

16.5 How does units meat/propose to meet the competition

(Comment on the competitive advantages enjoyed by the unit)

16.5.1 In price and quality, how does the unit’s product compare with those of its

competitors

16.5.2 Is the unit selling direct to its customers? If so, please furnish details like sales

force, showrooms, depots etc.

State Bank of India

16.5.3 If a selling/distribution agency has been appointed, its name, period of contract,

commission payable, period by which the bills will be paid by it etc. (enclose

copies of agreement, wherever applicable)

16.6 Nature and volume of orders/enquiries on hand (zerox copies to be furnished)

16.7 If the unit is export oriented, please furnish exporter code no., if allotted, and

relevant details as per the following details in the preceding three years. Code No.:

Name of the Product

Exported

Name of the Country

where Exported

F.O.B. Value in US$

17. Cost of Project

(Please furnish estimates of cost of project under the following heads indicate the basis for arriving at the cost of project)

(in 000’s of Rs.)

Sr.No. Particulars Already

Incurred

To be

Incurred

Total cost

A. Landing including

development

B. Building & Other Civil

Works

C. Plant & Machinery

i) Indigenous

ii) Imported

D. Essential Tools, Spares &

Accessories

E. Testing Equipment

F. Miscellaneous Fixed Assets

G. Erection/Installation Charges

H. Preliminary Expenses

I. Pre-operative Expenses

J. Provision for

Contingencies

1. Buildings

2. Plant & Machinery

3. Other Fixed Assets

K. Margin for Working

Capital Required

L. Total

State Bank of India



(in 000s of Rs.)

Sr.

No.

Particulars Amount

Already

Raised

Amount

Proposed to

be Raised

Total

A. Capital

(specify resources contributing capital)

B. Reserves

C. Term Loans (give full

particulars)

D. Unsecured Loans and

Deposits (Indicate sources,

rate of interest repayment

period etc.)

E. Deferred Payment

Arrangements including Suppliers Credit

F. Subsidy

- Central Govt. - State Govt.

G. Seed Capital (indicate sources)

H. Internal Cash Accruals

I. Other sources (specify)

J. Total

19.1 In case internal accruals are taken as sources of finance explain the basis for

estimation of internal accruals by means of a statement.

19.2 Indicate sources from which expenditure already incurred has been financed.

19.3 Promoter’s contribution to the project as % of the total cost.

(Please furnish list of persons/firms who would be contributing to the promoters’

share of the capital and the respective amounts and their relationships).

20. Financial Assistance required :

20.1 Rupee Loan

20.2 Foreign Currency Loan 20.3 Underwriting

20.3.1 Equity Capital

20.3.2 Preference Capital

State Bank of India

20.3.3 Debentures

20.3.4 Guarantee of foreign currency loan/Deferred Credit

20.4 Guarantee for foreign currency loan/Deferred Credit 20.5 Working Capital (Please furnish as per Annexure-VI)

20.6 Other forms of assistance (e.g. LC’s, Guarantees, etc.)

21. Schedule of Implementation :

Please indicate the progress made so far in the implementation of the project and furnish the scheduled of implementation as follows :

Date of Expected

Commencement Date of Completion


b) Development of Land

c) Civil Works for

- Factory Building

- Machinery Foundation - Administrative Building

d) Plant & Machinery

- Imported

_ Indigenous

e) Arrangement for power f) Arrangement for water

g) Erection of equipment

h) Commissioning

i) Initial procurement of Raw Material

j) Trial Runs k) Commercial Production.

22. Future Projections

(To be given for the next five years)

Please furnish data on :

22.1 Projected profitability as per Annexure-III

22.2 Projected cash flow statement as per Annexure-IV

22.3 Projected balance sheet as per Annexure-V

22.4 Working Capital requirement as per Annexure –VI 22.5 Percentage of Cash Sales in total Sales - -------%

22.6 Period in which payment is received in respect

of Credit Sales _______days

22.7 Average credit available on purchases _______ days

23. How far does the unit contribute to the establishment of ancillary units in the region.

State Bank of India

24. Please furnish International/CIF/FOB Price of all inputs, which can be imported.

25. Government Consents:

Please indicate whether the various licenses / consents required for the project

have been obtained from the respective authorities.

24.1 Specify any special condition attached to the licenses / consents and the

Undertaking given by the company in connection therewith.

26 Repayment programme:

27 Details of securities to be offered

27.1 Primary

(working capital & term loan securities to be indicated separately)

27.2 Collateral (full details)

27.3 Details of guarantors(s)

27.3.1 Name

27.3.2 Residential address

27.3.3 Occupation (if in service, name & address of his / her employer)

27.3.4 Details of Movable & Immovable Property (ies) owned by him / her & other

Dependent family members

27.3.5 Details of any similar guarantee, if any, given to other institutions.

28 Whether any Government enquiry proceedings of prosecution has been instituted

against the unit or its proprietors / partners / promoters / directors for any

offences? if so, please give details.

29 Details of pending litigation, if any, against and by the concern.

30. Please indicate whether any of the promoters of directors have at any time

declared themselves as insolvent.

State Bank of India

I / We certify that all information furnished by me / us is true; that I / We have no

borrowing arrangements for the unit with any Bank except as indicated in the application;

that there is no overdues / statutory dues against me / us / promoters except as indicated in the application; no legal action has been / is being against me / us / promoters; that I /

We shall furnish all other information that may be required by you in connection with my

/ our application; that this may also be exchanged by you with any agency you may deem

fit and you, your representatives, representatives of the Reserve Bank of India / National

Bank of Agriculture and Rural Development / Small Industries Development Bank of India / Deposit Insurance & Credit Guarantee Corporation or any other agency as

authorized by you, may, at any time, inspect / verify, my / our assets, books of accounts,

etc., in our factory / business premises as given above.

Signature of the Borrower (Name & Designation)

Date

Place

Encl: Certified Xerox Copies of

a) Audited balance Sheets with Trading and Profit & Loss Account, for the

last three years.

b) Memorandum and Articles of Association, Certificate of Commencement of Business in case of limited companies..

c) Income tax, Wealth tax Returns and assessment orders for the last three

years, for the unit as well as proprietor / partners / promoters / directors.

d) Sales Tax Returns and assessment order for the last three years

Forms as per Appendix – SSI-I to Appendix – SSI- VI given hereafter should also be

submitted along with the application for advances above Rs. 10 lacs,

TRADE AND SERVICES

ANNEXURE-C - For MSE’s upto 25 Lakh. (Application form)


NAME AgeAcademic

QualificationRESIDENTIAL

ADDRESSTELEPHONE

(Residence)

Experiencein the line of activity

STATE BANK OF INDIA:ANNEXURE – C

APPLICATION FORM FOR MSEs - Upto Rs 25 Lakh

To be submitted along with documents as per the checklist

(For Office Use)

1 NAME OF THE ENTERPRISE

2 REGD. OFFICE ADDRESS

3 ADDRESS OF FACTORY/ SHOP

4 WHETHER BELONGS TO SC/ST/OBC/MINORITY

Telephone No. (Office)

E MailAddress

Mobile No. PAN Card No.

5 CONSTITUTION Proprietory/ Partnership firm/ Pvt Ltd/ Ltd Company/ Co-op Society

6 DATE OF ESTABLISHMENT

7 NAME OF PROPRIETOR/ PARTNERS/ DIRECTORS OF COMPANY AND THEIR ADDRESSES

Name of AssociateConcern

Address of Associate Concern

PresentlyBanking with

Nature ofAssociation

Extent of Interest as aProp./Partner/Director

or Just Investor in Associate concern

Type of facility

Limit(in lacs)

Outstanding as on …….

Presentlybanking

with

SecurityLodged

Rate ofInterest

RepaymentTerms

Current A/c

Cash Credit

Term Loan

LC/BG

If banking with this Bank, Customer No. be given here

Type of facility

Amount(in lacs)

Purpose for which

reduiredSecurity Offered

Primary Security (Details with approx. value to be mentioned)

Whether CollateralSecurity offered (Please mention yes or no) (If yes, then provide details in Column 12)

Cash Credit YES / NO

Term Loan YES / NO

LC/BG YES / NO

8 ACTIVITY Existing

Proposed(#)# If a different activity other than existing activity is proposed

9 NAMES OF ASSOCIATE CONCERNS AND NATURE OF ASSOCIATION:

10 Relationship pf Proprietor/Partner/Directorwith the officials of the Bank/Director of the Bank

10(a) CREDIT FACILITIES (EXISTING) (Rs. in lacs)

10(b) It is certified that our unit has not availed any loan from any other Bank/ Financial Institution in the past and I am not indebted to any other Bank/ Financial Institution other than those mentioned in 10(a) above.

11 CREDIT FACILITIES (PROPOSED):

In case of term loan requirements, the details of machinery may be given as under:

Past Performance/ Future Estimates (Actual performance for two previous years, estimatesfor current year and projection for next year to be provided for working capital facilities. However for term loan facilities, projections to be provided till the proposed year of repayment of loan):

(Rs in lacs)PAST YEAR-II(Actual)

PAST YEAR-I(Actual)

PRESENT YEAR(Estimates)

NEXT YEAR(Projection)

Net SalesNet ProfitCapital (Net worth in caseof companies)

Statutory Obligation Whethercomplied with (Write Yes/No). If not applicable, then write N.A.

Remarks (Any details inconnection with the relevant obligation to be given)

1. Registration under Shops and Estd Act2. Registration under SSI (Provisional/Final)3. Drug License4. Latest Sales tax return filed5. Latest Income tax return filed6. Any other statutory dues remaining outstanding

Type of machine

Purpose for which

required

Whether imported or indigenous

Name of supplier

Total cost of machine (in case

of imported machine, the

breakup of basic cost, freight,

insurance and customs duty be

given)

Contribution being made by the promoters

Loan required

12. Details of Collateral Security offered, if any, including 3rd party guarantee *(* As per RBI guidelines, banks are not to take collateral security for loans upto Rs. 5 lakhs toMSME units)

13

14 Status regarding Statutory Obligations:

SPACE FOR PHOTO SPACE FOR PHOTO SPACE FOR PHOTO

Signatures of Proprietor/ Partner/ Director whose photo is affixed above

Only one photo of properitor / each Partner / Each working Director is required to be affixed. Each photo will be certified/attested by the Branch Team with name andsignatures on the photograph with Branch stamp. The concerned staff will put his name below the signatures.

15

16 Date: Place:

I/We certify that all information furnished by me/us is true; that I/We have no borrowing arrangements for the unit except as indicated in the application; that there is no overdues/statutory dues against me/us/promoters except as indicated in the application; that no legal action has been/is being taken against me/us/promoters; that I/We shall furnish all other information that may be required by you in connection with my/our application that this may also be exchanged by you with any agency you may deemed fit and you, your representatives, representatives of the Reserve Bank of India or any other agency as authorised by you, may, at any time, inspect/verify my/our assets, books of account etc. in our factory/business premises as given above.

APPLICATION FORM

A. GENERAL INFORMATION :

1. Name:

2. Address: (furnish details of branches, if any)

3. Constitution:

(Partnership / Proprietorship/Joint Hindu Family/Co-operative Society/ Public Limited Company/Private Limited Company etc.)

4. Date of establishment:

5. Names and addresses of Partners/ Directors etc.:

Name Address

6. Brief details of business experience of persons managing the business:

7. Nature of business:

8. Names of associate concerns and nature of association (i.e. common partner, subsidiary etc.):

Names of associate Concerns Nature of Association Extent of Interest

B. PROPOSAL:

9. Nature of facilities sought: (Please indicate separately the types of facilities required, i.e. whether term loan or working capital advance i.e. cash credit/bill facilities/ clean overdraft etc.)

Sl. No. Type of facility Amount

10. Purpose of the advance: (In case of working capital advance, please state with reasons whether the advance is required (a) for advance payment to suppliers; (b) for carrying higher stocks; (c) for extension of higher credit on sales; (d) to repay sundry creditors for purchases; (e) for repayment of borrowings from other banks/financial institutions; (f) for repayment of other outside borrowings e.g. against hundies etc.; (g) withdrawal of capital; (h) investment elsewhere; (i) any other purpose).

11. (a) Existing arrangements from other banks/financial institutions and others:

(Amount in Rs. )

Name of the Bank or Nature of Position of accounts as Security, rates of

Financial Institution

facility on

_ _ /_ _ /_ _

interest, repayment terms, if any

Limits Outstandings

11. (b) Other borrowings/liabilities:

Source Amount Security Terms of repayment, if any

11. (c) Are you agreeable to deal exclusively with us? If not, please give reasons:

12. Security offered:

(a) Stock, bills etc.

(Please give brief details of stocks; also, what would be the types of bills, whether they would be clean or would be accompanied by documents, i.e., R.Rs., motor truck receipts, etc. If bills cannot be drawn, please indicate reasons therefor).

(b) Mortgage of immovable properties:

(Please indicate brief details of the properties offered, in whose names they stand, nature of mortgage, estimated market value, prior charges, if any).

(c) Life Insurance Policies, Shares, Debentures, etc.:

(Please give details of the security, surrender/market value, etc.)

(d) Guarantee:

(Please indicate brief details about the guarantor, his worth, etc.)

C. FINANCIAL & OPERATIONAL DATA :

13. Performance : (000’s omitted)

Actuals for last year

Estimates for

current year

Projections for

next year Purchase

Sale

Net profit

14. Plans and Prospects: (Please indicate plans for expansion, diversification, etc. if any and prospects for the next year)

15. Position regarding Income-tax Assessment:

(Please indicate the year up to which assessment has been completed. If assessment is in arrears, reasons therefor, amount of arrears of income-tax, if any, and provision made therefor. Please attach copy of latest assessment/return.)

16. Position regarding Sales-tax:

(If there are arrears, these may please be indicated. Please attach copy of latest assessment return).

17. Position regarding Wealth-tax:

(If you are a wealth-tax payer, please attach a copy of the recent declaration and indicate position regarding assessment.)

18. Financial position of the Proprietor/each Partner/ each member of JHF :

(To be furnished in the case of proprietorship concerns partnership firms/joint Hindu family (JHF) concerns respectively.)

(a) Particulars of immovable properties

Name of the individual

Nature of immovable properties

Location Estimated value

(000’s omitted)

Prior charges, if any

(b) Particulars of movable assets


Brief details of movable assets e.g., share, units, securities, etc.

Market/surrender value (000’s

omitted)

Prior charges, if any

(c) Particulars of borrowings/ liabilities, if any.


Source Amount in Rs.

Security Terms of repayment, if any

Place.......................

Date........................ Signature of Applicant

NOTE:-

(1) This application form should be accompanied by two copies of the audited balance sheets and profit and loss account which are not more than 12 months old. (In case accounts are not audited, statements of assets and liabilities and supplementary information as per proforma Annexure-D should be furnished). In case of new connection, kindly submit the audited balance sheets and profit and loss accounts (or in the alternative, statements as per proforma Annexure-D) for the last three years.

(2) Please fill in Appendix -A and/or - B, if the application is for a working capital advance and/or term loan.

(3) Please attach two copies of Partnership Deed/Bye-laws / Memorandum and Articles of Association in case of new connection or change in the constitution of partnership firm/ co-operative society / joint-stock company.

APPENDIX-A

(This form is to be completed only when working capital finance is required)

Name of the unit: .....................................................

1. PURCHASES:

(a) General: (Please indicate who are the major suppliers, whether the goods are subject to any quota/ price control/ Government regulation, whether there are any special problems involved in making purchases).

(b) Terms of purchases:

Advance payment, if any, required to be made:

Period and amount of credit available:

(c) Trend of credit received: (000’s omitted)

Actuals for last two years

Estimates for current year

Projection for next year 20_ _ / _

_ 20_ _/_ _

Average credit received Maximum credit received(*)

Minimum credit received(*)

2. SALES:

(a) General: (Please indicate who are the major buyers or nature of class of clientele; whether the goods are subject to any quota/ price control/ Government regulations; after sales service arrangements, where necessary and whether there are any special problems involved in effecting sales.)

(b) Terms of sales:

Percentage of credit sales to total sales:

Terms of Credit:

(Please indicate period of credit, discounts

if any, offered for cash sales or earlier payments for credit sales)

(c) Trend of credit given: (000’s omitted)




_ 20_ _/_ _

Average credit given Maximum credit given (*) Minimum credit given (*)

3. STOCKS POSITION: (Please indicate quantity and value both wherever possible.)

(000’s omitted)




_ 20_ _/_ _

Average stocks carried Maximum stocks carried (*)

Minimum stocks carried (*)

4. STORAGE: (Please indicate how the goods are stored. whether adequate storage space is available, what portion of goods can be kept under Bank’s lock and key, what portion is required for display and day-to-day operations, period of which stocks can be stored safely and special precautions, if any, required to be taken for storage of stock.)

Place................................

Date................................. Signature of Applicant

(*) Data in regard to maximum and/or minimum should be given where, the average differs substantially from the maximum and/or minimum due to seasonal or other factors.

Appendix B

(This form is to be completed only when a term loan is required)

Name of the Unit:

1. Cost of the Scheme

Cost already met Cost to be met Total Cost Basis of the Cost Estimate

Land

Building

Equipments

(Please indicate nature of equipment)

Others (Please specify)

Total

2. Corresponding Sources of Finance

Cost already met Cost to be met Total cost

Own resources

Borrowing from friends, relatives etc

Borrowing from Bank

Deferred payment

Others (Please specify)

Total

3. Need for the Proposed Capital Expenditure

(Please indicate the background of the scheme viz, why it is taken up and what benefits accrue therefrom)

4. Time Schedule:

(Mention when scheme is to be completed)

5. Mode of Disbursement:

(Whether the loan is required in lump sum or in instalments and if in instalments, please indicate the dates and amounts of withdrawals)

6. i. Profitatbility:

Year 20---/-- 20--/-- 20--/-- 20--/--

Sales

Other income

Total (A)

Expenses

Purchases

Salaries & allowances

Other establishment expenses

Insurance

Rent and taxes

Advertisement and publicity

Stationary

Travelling expenses

Other expenses (Please give details of major items)

Depreciation

Interest

Total (B)

Net Profit (A-B)

Less: Income tax

Net Profit after

tax (C)

Add back depreciation (D)

Total cash accruals (C+D)

Repayment of loan

Note: In case the capital expenditure programme as well as plans for raising funds to meet the expenditure extends over a period of 2 to 3 years, a cash flow forecast statement as in item 6. (ii) given below should be furnished, otherwise statement 6 (i) given above would be sufficient.

6. ii. Cash Flow Forecast: (The statement should cover the entire period of the loan and requires to be completed only if the capital expenditure programme as well as plans for raising funds to meet expenditure extends over a period of 2/3 years or more)

a. Sources of Funds:

Year 20---/-- 20--/-- 20--/-- 20--/--

1. Net Profit after taxes (Item (C) above)

2. Add: back depreciation

3. Total cash accrual: (1+2)

4. Increase in capital

5. Increase in terms loans and deferred payment guarantee

6. Increase in current liabilities

7. Increase in short term bank borrowing

8. Increase in loans and deposits from friends and relatives, subsidiaries, etc.

9. Decrease in fixed assets

10.Decrease in stocks

11.Decrease in book debts

12.Decrease in other current assets

13.Decrease in investments in associate concerns

14.Other (Please specify)

15.Total

(b) Uses of funds

16. Repayment of term loans

17.Repayment of instalments on deferred payments

18. Increase in fixed assets

19.Decrease in current liabilities

20. Increase in book debts

21. Increase in stocks

22. Increase in investments in associate concerns

23.Repayment of deposits/loan

24.Dividends or funds required for personal maintenance

25.Any other (Please specify)

26.Total

27.Surplus (15-26)

7. Repayment Schedule: (Please indicate as to how you intend to repay the loan)

8. Security offered:

(Please give details of the security you propose to give to the bank and details of the existing charges thereon, if any)

9. Working Capital:

(Please indicate here the details of your working capital requirement and the sources from which they be met)

Place

Date Signature of Applicant

state bank of india no. pan card no. 5 constitution proprietory/ partnership firm/ pvt ltd/ ltd...

Documents