Annexure- A: Common Appraisal Memorandum for MSME

(Loans above Rs 10 lakhs to 1 crore)

Br Ref No: BOB/ADV/ MSME/152/2022-23 Date: 10-05-2023

Account No : Fresh account Cust Id: C1B068455  

1. Borrower/Company Profile:
Zone: MEERUT Branch: Branch Code: Sub Segment : MICRO

Region: BAREILLY Barkhera 0830 (BARKHE) Micro/Small/Medium

DISTRICT

Group: NA
Name of the Unit: M/S SHIV SHAKTI ENTERPRISES

Constitution : PROPRIETOR
Name of Promoter(s)/ Proprietor/ Partner(s) /Key Persons(s):Mr.SATYANATH MISHRA
Priority Sector Yes Type of Proposal: FRESH

Industry
WHOLESALE/RETAIL TRADE OF BAKERY PRODUCTS

Location
i) Regd. Office Address: NEAR RAILWAY CROSSING ELECTRIC HOUSE ROAD WAR NO
01 KUNDANPUR PRATHAN BARKHERA TEH. BISALPUR DISTT
PILIBHIT
ii) Factory and Shop Address: NEAR RAILWAY CROSSING ELECTRIC HOUSE ROAD WAR NO
01 KUNDANPUR PRATHAN BARKHERA TEH. BISALPUR DISTT
iii) Corporate Office Address PILIBHIT
NIL
iv) Mobile No. (Key Person):9149199522 Telephone No.: NIL
GSTIN: Eligible : 09CLMPM4021Q1ZI Passport No. NIL DIN: NA
(for Proprietor/ all PAN of Prop / : CLMPM4021Q
Partners/ all Directors): Partners /
Directors:
PAN: CLMPM4021Q
CIN NA
Udyog Aadhar UDYAM-UP-60-0005302
Aadhar No. of applicant: (if available) 252652474048
ZED Rating NA
SME/MSME/External Rating (if any) BOB4
GeM Registration NA
ISO Certification NA
Credit Bureau Score / Rank CIBIL SCORE OF PROPRIETOR IS -778 DATED 27-04/2023
- Consumer Credit Bureau score of COMMERCIAL CIBIL OF FIRM CR-4 DATED 10-05-2023 , NO
Borrower/Prop/partners/directors ADVERSE RECORD FOUND IN THE REPORT
- Commercial Credit Bureau
Validity of Pollution Control Certificate NA
(if applicable):
Credit Bureau Report Dated : Remarks : NO ADVERSE RECORD IN CIBIL
Taken (Y/N) 27-04- REPORT., COMMERCIAL CIBIL REPORT.
2023
MSME Classification: MICRO Activity: TRADING (BAKERY
Net block in P& M, equip etc. and Turnover PRODUCTS)
Udhyam Registration obtained.

Collaboration/ Joint Venture, if any: NO BSR

code: NA
 Date of incorporation/establishment: Firm established in 2017 and Banking with us since: FIRM IS
registered with GSTIN since 27-06-2017. RUNNING CURRENT ACCOUNT
(NUMBER (08300200000267) WITH
US.
Group Dealing with us since: NA

Coverage under any guarantee schemes : NO Exposure to Group: NA

Existing :
Proposed:
Any Govt. sponsored schemes (if so Specify): NO
MPBF (FY……2022-23…………….):
Existing: NIL
Proposed: WORKING CAPITAL LIMIT (Over Draft)
OF RS.10.50 LAKHS

Banking arrangement: SOLE BANKING

Sole Banking/ Multiple Banking
Our share:100%
(Comment upon CRILIC report (if any) NA
Details of last Review/ Renewal: FRESH IRAC /SMA Status Central Fraud
ACCOUNT Registry(CFR) : NA
Date: NA
FRESH ACCOUNT
Sanction No. : NA
Authority: NA
Due Date of Review:
Internal Rating Summary/Score FRESH
ACCOUNT SO RATING WILL BE APPLICABLE
FROM ANNUAL REVIEW.
FY ……………. FY……………
NA NA

Any Reschedulement in last three years: NA

2. Present Proposal:
a) Sanction for
WORKING CAPITAL LIMIT (OVER DRAFT) OF RS.10.50 LAKHS FOR

PURCHASE OF STOCKS OF BAKERY PRODUCTS

b) Approval for Modification/ NA

Deviation etc, if any
c) Confirmation of NIL
3. (a) Brief Profile of unit/ proprietor/partners/directors/ with comments of their experience in business:
BACKGROUND OF FIRM:

 M/S SHIV SHAKTI ENTERPRISES is a Proprietorship Firm Registered under GSTIN (Registration Date
27-06-2017). We have obtained copy of GSTIN and his Registered no. is (09CLMPM4021Q1ZI) .The
Registered address of the firm is NEAR RAILWAY CROSSING ELECTRIC HOUSE ROAD WAR NO 01
KUNDANPUR PRATHAN BARKHERA TEH. BISALPUR DISTT PILIBHIT PIN 262203. Above business
address is at approx. 500 meters from our Bank of Baroda Barkhera Branch.Mr.SATYANATH MISHRA is
the Sole Proprietor of the Firm.

M/S SHIV SHAKTI ENTERPRISES has a business WHOLESALE/RETAIL TRADE OF BAKERY

PRODUCTS

 . The Firm has its godown for storage is at its registered address where the stock of BAKERY
PRODUCTS etc is stored for trading. The godown is owned by the proprietor. The firm achieved major
part of sales through wholesale trading by selling of BAKERY PRODUCTS etc.

 The firm has CMR Rating as CMR-4 RATED as per report order no W-294080592 dated 10-05-2023 with
no adverse observation.

 Rating of the firm under BOBICON MSME model is BOB4 which is satisfactory

 Firm has achieved excellent Sales in the business. Firm has achieved a net sale of Rs.34.89 lakhs in FY
20-21 AND Rs.64.95 lakhs in FY 21-22. Borrower has a estimation of Rs.70.00 lakhs for current FY
2022-23 and Projection of Rs.77.00 Lakh for next FY 2023-24.

 At present firm is maintaining Current (Account No.08300200000267) with our Branch since 2022.
The current account a sufficient turnover of Approx. Rs 90.00 Lakh and sales receipts are routing
through the current account.

 Pre Sanction report has been done by Mr PooranLal and Mr Hemant Kumar Jointly with no adverse
observation.

 Net Worth of the party is assessed and found satisfactory

(b) Shareholding pattern: NOT APPLICABLE

4. Credit limits (Existing and proposed): (Rs. in Lakh)

Description Existing Proposed Change Overdue, if any

CC / OD /PC 0.00 10.50 10.50 NA
FBP/FBD 0.00 0.00 0.00 NA
Total FBWC 0.00 10.50 10.50 NA
TL 0.00 0.00 0.00 NA
Total FB 0.00 10.50 10.50 NA
LC/BG 0.00 0.00 0.00 NA
Derivative limit 0.00 0.00 0.00 NA
Total Non FB 0.00 0.00 0.00 NA
Total (FB + Non FB) 0.00 10.50 10.50 NA

5.(a) Facility with other

Banks: No account with
other Bank
 Bank Name Facility Type Limit Outstanding Security & its value

NA NA NIL NA NA
TOTAL NA NIL NA NA

(b) Comments on Banking arrangement and conduct of above accounts: NA

6. (a) Performance and Financial Indicators: Past 2 years actual may be incorporated
(Rs. in Lakh)
We have obtained Actual Balance Sheet as on 31.03.2020, 31.03.2021 and 31.03.2022, Provisional Balance
sheet as Estimated and projected balance sheet for the ensuing years.

Projections 31.03.2021 31.03.2022 31.03.2023 31.03.2024 31.03.2025

(Actual) (Actual) (Estimated) (Projected) (Projected)
Capital  2.44 3.13 3.66 4.24 4.34
Share App. Money including share 0.00 0.00
premium/Capital Pooled
0.00 0.00 0.00
Profit and Loss Account (Net 5.23 5.19
Profit) 5.62 6.16 6.56
Others(central investment 0.00 0.00 0.00 0.00 0.00
subsidy)
OTHER INCOME 0.00 0.05 0.00 0.00 0.00
Drawings 4.55 4.72 5.05 5.85 6.00
TNW 3.13 3.66 4.23 4.54 4.80
Others(central investment 0.00 0.00 0.00 0.00 0.00
subsidy)
Adjusted Networth 3.13 3.66 4.23 4.54 4.80
Term Liabilities 0.00 0.00 0.00 0.00 0.00
---Term Loans 0.00 0.00 0.00 0.00 0.00
---Unsecured Loans  0.00 0.00 0.00 0.00 0.00
---Others  0.00 0.00 0.00 0.00 0.00
Net Owned Funds 3.13 3.66 4.23 4.54 4.80
Capital Employed 3.13 3.66 4.23 4.54 4.80
           
Net Block (excluding revaluation 0.03 0.02 0.02 0.02 0.02
reserve)
Funds invested outside business 0.00 0.00 0.00 0.00
0.00
Other Noncurrent assets  0.00 0.00 0.00 0.00 0.00
Current Assets 8.04 9.58 14.57 14.94 15.24
---Inventories 6.90 7.98 14.00 14.25 14.50
---Debtors  0.35 0.49 0.52 0.60 0.63
---Cash & Bank Balance 0.12 9.58 0.05 0.09 0.11
---Other Current Assets  0.00 0.00 0.00 0.00 0.00
Current Liabilities 5.17 6.16 10.55 10.60 10.62
---Creditors 5.05 5.87 0.00 0.00 0.00
---Bank Borrowings 0.00 0.00 10.50 10.50 10.50
---TL payable in one year  0.00 0.00 0.00 0.00 0.00
---Other Liabilities/provisions 0.12 0.28 0.05 0.10 0.12
Net Current Assets 2.87 3.42 4.02 4.34 4.62
           
Operations Data:          
Gross sales 34.89 64.95 70.00 77.00 80.85
 Freight Charges 0.00 0.00 0.00 0.00 0.00
Net Sales 34.89 64.95 70.00 77.00 80.85
of which exports 0.00 0.00 0.00 0.00 0.00
Gross Profit 5.23 4.71 3.66 4.24 6.56
Salay Wages and Gen Exp 0.58 0.90 1.25 1.42 1.57
Interest  0.02 - 0.18 1.10 1.20
Other income 4.07 4.95 0.00 0.00 0.00
Other expenses 0.00 0.00 0.00 0.00 0.00
PBT 5.23 3.66 3.66 4.54 6.56
Provision for tax 0.00 0.00 0.00 0.00 0.00
PAT 5.23 5.19 5.62 6.16 6.56
           
           
Ratios          
Current Ratio (Considering TL 1.55 1.55 1.38 1.40 1.43
inst.)
Current Ratio (without 1.55 1.55 1.38 1.40 1.43
considering TL inst.)
DE Ratio (TTL/TNW) 0.00 0.00 0.00 0.00 0.00
DE Ratio (TOL/TNW) 0.65 0.68 2.47 2.33 2.29

(b)Comments on significant variations in Financial Indicators:

Net Sales:  Firm has a satisfactory trend in its sales in the

business. Firm has achieved a net sale Rs.34.89 lakh
in FY 2020-21 Rs. 64.95 lakh in FY 2021-22 Now as
the demand and peak season is nearby so we can
expect a good momentum in the sale of the firm in
ensuing years.
 The Estimated Sale of Rs.70.00 lakhs for current year
and projected sale of Rs.77.00 lakhs is easily
achievable.
Net Profit / Profitability
 In account of the sale estimation we are accepting the
net profit estimation of Rs.5.62 lacs and projection
Rs.6.16 lacs, as the growth in the same is achievable
with growth in the sale.

Tangible Net Worth  The Proprietor of the Firm has a contribution of

Rs.2.44 lakhs and Rs 3.13 Lakh in the form of capital
in the Business as on 31/03/2021 and 31/03/2022
providing a sufficient cushion to the business.
Previous trend n TNW is satisfactory
 Estimation and projections for TNW is quite well and
in increasing trend. Estimated TNW as on 31.03.2023
is Rs.3.66 lacs and projected TNW is Rs.4.24 lacs.
TOL/ATNW and TTL/ATNW  Both TTL/TNW (Maximum 3.00) and TOL/TNW
(Maximum 4.50) is below the maximum benchmark
level. TTL/TNW (Debt Equity ratio) is Zero as there
is no long term Liability in the Business .

 Estimated TOL/TNW is 2.47 for current FY also

improving to 2.33 for ensuing year, with in the
permissible limit hence Acceptable.
Current Ratio  Current ratio in the previous years is above the
benchmark (1.17 for micro enterprises).
 The estimated Current ratio for 2022-23 is 1.38
( above to the benchmark of 1.33 and 1.17 for Micro
Enterprises) and improving in the projected years
up to 1.40 which is signing for a strong liquidity in
the proposed business and also a good utilization of
working capital limit for current asset generation.
 The growth in the current ratio is continued for
further years and we are accepting the same.

We have checked the estimation and projection provided by

borrower and required financial parameters are
Any Other Comments satisfactory for ensuing years. Looking into the previous
trends we are accepting estimation and projections.

(d) Auditor Remarks:

Name of Auditor NA
Qualifying remarks NA
Whether Statutory dues have been paid NA

Contingent liabilities NIL

Others NA

7. Details of Associate Concern/facility Concerns and their bankers (NPAs among Associates, if any, NCLT
referred accounts, if any)

NIL

8. (a) Comments on conduct of Account: (covering irregularities, non-compliance, LC

devolvement, BG invocations, credit summations, etc.):

NIL

(b) Comments on following:

Turnover as compared to sales Current account has sufficient
turnover.
No. and Amount of cheque return for NIL
financial reasons
TOD/Excess/Adhoc Granted during review period NIL
Whether maintain Current account/ BD under LC NO
facility with other Bank (without approval)
Comments on limit utilization FRESH ACCOUNT
Pending ATR if any: NIL
Any other Major Default: NO

9. Annual Review of Term Loans: (Rs.in Lakh) No term loan having borrower.

SI. Account No Limit DP/ DL Outstanding Irregularity, Remarks

No if any
NA NA NA NA NA NA NA
10. Assessment Of Working Capital: As per Annexure – I enclosed
11. Assessment Of Term Loan: Not Applicable

12. Guarantee:
Name of the Net worth Compiled on Date of Credit
Credit Bureau Score
Guarantor// as on.( in lacs) Date Report
(Consumer)
Partner / Director
NIL NIL NIL NIL NIL

13. Details of insurance (Reasons, if waived) Will be obtained

Insurance of the Property will be obtained

Primary Security after sanction of Working Capital limit. Valid upto:

Collateral NA Valid upto:

Personal /Others NA Valid upto:
Pricing:
Pricing/ Interest
Facility BRLLR+S Existing Rate Card Rate Proposed rate
P
Spread Effective Spread Effective Spread Concession Effective
Rate Rate Rate

OVER DRAFT 9.15+0.2 - - - - 2.35 0.00 11.75

5
Term Loan - - - - - - - -

Others - - - - - - - -

Comments/ Justification:
- Concession: NO CONCESSION
- Concession in other charges such as BG Commission, LC Commission, processing etc

Advances: Previous Year Current Year

FY………….. FY…………..

- Interest Income NA NA
- Fee based Income NA NA
- Yield % NA NA
Value of relationship NA NA
Others NA NA
Retail Business NA NA
14. Value of account (During Financial Year): FRESH ACCOUNT WILL BE OPENED

15. (a) Whether the name of the Borrower/Guarantor appears in:

Particulars Date of list Remarks

Credit Bureau list of Willful defaulters Not in willful

defaulters

ECGC caution list/ ECGC specific approval list NA NO

Litigations against the company or its directors NA NO

Any write offs in Credit Bureau reports 1. CIBIL SCORE AS ON No write off in the
27-0420223 score CIBIL REPORT and
is 778 all accounts are
standard as per
report.

2. Commercial CIBIL CMR-4 RATED as per

CMR-4 RATED as per report order no W-
report order no W- 294080592 dated 10-
294080592 dated 10- 05-2023
05-2023

Any Member of the Bank’s Board/ Bank’s Directors / Senior officers of the Bank NO
 Members of any other Bank’s Board NO

(b) Whether proprietor of firm / directors of the company / partners of firm are related to
Bank: No

(c) Non-Compliances, if any - NIL

(Only non-compliances/ irregularities, if any to be included along with a brief justification):

Indicative Unit Level

levels As on
Parameters Justifications
31/03/2022

1.33 1.55  Current ratio in the previous

years is above the benchmark
(1.17 for micro enterprises)
Current Ratio
and as on 31.03.2022 it was
1.55

4.50 0.68
TOL/ATNW  Within the permissible limit.

3.00 0.00  Long term debt is Zero having

TTL/ATNW business as on 31.03.2022

Average DSCR 1.75 NA NA

1.75 NA NA
Minimum DSCR

SI. Nature of non-

Non-compliance with regard to Comments
No. compliance
i) Loan Policy Guidelines: COMPILED COMPILED

ii) FRESH ACCOUNT FRESH ACCOUNT

Stipulations from previous Sanction
iii) Take-over norms NOT APPLICABLE NOT APPLICABLE
Inspection / Audit irregularities: FRESH ACCOUNT FRESH ACCOUNT
Concurrent Audit
Internal Audit
RBI Inspection
iv)
Statutory Audit
Credit Audit
Stock Audit
Comments of Credit Monitoring
Deptt
v) Scheme-specific deviations NOT APPLICABLE NOT APPLICABLE

vi) NOT REQUIRED NOT REQUIRED

Environmental clearances
vii) COMPILED COMPILED
Collateral Security
viii) NA NA
Others, if any
ix) NA NA
Whether reported in SMA 1 or SMA 2 in
last year (if Yes- reason thereof)

16. Critical risk factors and their mitigation (if applicable)

As per our assessment of financials of the firm there is no major adverse observation. We have verified
all other details regarding business. There is no critical Risk factors.

17. Salient Features and Justification for the Proposal:

JUSTIFICATION FOR PROPOSOAL OF A WORKING CAPITAL LIMIT (OVERDRAFT) OF RS.10.50

LACS TO M/S SHIV SHAKTI ENTERPRISES.

EXISTING BUSINESS DETAILS:

 M/S SHIV SHAKTI ENTERPRISES is a Proprietorship Firm Registered under GSTIN
(Registration Date 27-06-2017). We have obtained copy of GSTIN and his Registered no. is
(09CLMPM4021Q1ZI) .The Registered address of the firm is NEAR RAILWAY CROSSING
ELECTRIC HOUSE ROAD WAR NO 01 KUNDANPUR PRATHAN BARKHERA TEH.
BISALPUR DISTT PILIBHIT PIN 262203. Above business address is at approx. 500 meters
from our Bank of Baroda Barkhera Branch.Mr.SATYANATH MISHRA is the Sole Proprietor of
the Firm.

 M/S SHIV SHAKTI ENTERPRISES has a business wholesale trading of BAKERY PRODUCTS.
The Firm has its godown for storage is at its registered address where the stock of cold drinks
etc is stored for trading. The godown is owned by the proprietor. The firm achieved major
part of sales through wholesale trading by selling of Cold drinks etc.

ESTIMATED AND PROJECTED FINANCIALS:

 We have obtained Balance sheet of previous three year and next two year and as per financial
performance section we have calculated all required financial parameter and ratios and we
have already given the justification for the same and all financial parameter is as per
benchmark level and accepted for the proposed facility.
 Net Sales, Net Profit, TNW, Current Ratio, Debt-Equity ratio all are acceptable in previous
years as well as estimated and projected years. Detailed analysis mentioned in Financial
Performance Section.

COLLATERAL SECURITY DETAILS: CGTMSE Coverage

SUMMARY OF JUSTIFICATION:

 The firm has CMR Rating as RATED as CMR-4 RATED as per report order no W-294080592
dated 10-05-2023. NO adverse observation.

 Rating of the firm under BOBICON MSME model is BOB4 which is satisfactory

 Firm has achieved excellent Sales in the business. Firm has achieved a net sale of Rs.34.89
lakhs in FY 20-21 AND Rs.64.95 lakhs in FY 21-22. Borrower has a estimation of Rs.70.00
lakhs for current FY 2022-23 and Projection of Rs.77.00 Lakh for next FY 2023-24.

 At present firm is maintaining Current (Account No.08300200000267) with our Branch since
2022. The current account a sufficient turnover of Approx. Rs 90.00 Lakh and sales receipts
are routing through the current account.
  Pre Sanction report has been done by Mr PooranLal and Mr Hemant Kumar Jointly with no
adverse observation.

 Net Worth of the party is assessed and found satisfactory

18. Recommended for sanction / approval / confirmation:

a) Sanction for WORKING CAPITAL LIMIT (OVERDRAFT) OF RS.10.50 LAKHS TO M/S SHIV
SHAKTI ENTERPRISES
b) Approval for Modification/ NA
Deviation etc, if any
c) Confirmation of NA

20. Details of due diligence done:

i) Applicant interviewed on ………..27-04-2023
ii) Pre-sanction inspection done/ last inspection on ……10-01-2023………
Findings Satisfactory/Unsatisfactory: SATISFACTORY
iii) Verification of Residence /Office/Factory at
Done on 10-05-2023
iv) Inspection of properties to be mortgaged (if applicable) done on ……NA
v) Search with Registrar of Companies obtained on ……NA………….
vi) Search Report /Valuation Report on properties to be mortgaged (if applicable) done on NA
vii) Status Report from existing bankers (if applicable) : obtained/not obtained: NOT APPLICABLE
viii) Credit Bureau /ECGC/RBI/CFR/ willful defaulters’ list checked – No Adverse Observation
Satisfactory/Unsatisfactory: SATISFACTORY
ix) ROC Charged Registration date (in case of existing account in the name of company): NA
x) CERSAI registration reference no and date (In case of existing accounts, wherever applicable
on NOT APPLICABLE
xi) Market enquiries --- Satisfactory/Unsatisfactory : SATISFACTORY
xii) Pollution Control Board Clearance Obtained (if applicable) Yes/No : NA
xiii) ID/Address Proof (any of the following) :
a) Passport b) Voter ID c) Pan card d) Driving license e) Aadhar Card
xiv) Any other Information: NO
21. Status Regarding Statutory Obligations:

1. Registration under Shops & Establishment Act Yes / No / NA

2. Registration under MSME (Provisional / Final) Yes / No / NA
3. Drug License Yes / No / NA
4. Latest GST Return filed Yes / No / NA
5. Latest Income Tax Returns filed Yes / No / NA
6. Any other Statutory dues remaining outstanding Yes / No / NA

22. CONFIRMATION:
a Compliance of last sanctioned terms(if No, give details) NOT APPLICABLE
b Security Documents are valid/in force NOT APPLICABLE
c Proper charge on securities created in Bank’s favour NOT APPLICABLE
d Last Audited Balance Sheet submitted by the company is verified NOT APPLICABLE
from the Balance Sheet submitted to ROC
e Exposure is within Bank’s prudential Norms/RBI guidelines YES
f Whether company/directors are under Bank’s/RBI/ NO
ECGC/CIBIL defaulter’s list/Central Fraud Registry
g Any deviation from usual norms NO
h Whether directors are disqualified under Section 164 of NO
Companies Act, 2013
i Any arrears in payment of statutory liabilities by the Co. NO
j Auditor’s comments on Corporate Governance Practices NOT APPLICABLE
followed in case of Limited Companies
k Pending litigation against/by the company NO
(If yes details to be given)
l Whether Company’s directors are directors in our NO
Bank’s/Other Bank’s Board
m Exchange of information with participating banks has been done NOT APPLICABLE
in the RBI prescribed format
n Whether due diligence certificate obtained from Professional NOT APPLICABLE
( as applicable )
o Asset Status with other Banks as per CRILC data NOT APPLICABLE
p Any others NIL
 Annexure A (i): ASSESSMENT OF WORKING CAPITAL
(In case digital sales turnover do not exceed 25% of the total / assessed turnover)

Name of the Borrower: M/S SHIV SHAKTI ENTERPRISES

(Rs. in Lakh)
1. Projected Turnover Method Projected
(Nayak Committee Method) FY 2023-24
77.00
a. Estimated Sales for the Current year

b. Working capital required

(25% of ‘1a’)
(5% margin of the unit) 19.25
Eligible Bank Finance (80% of ‘1b’) (A) 15.40
Bank Finance Required 10.50

Comments on Assessment of Working Capital Limit:

As per above mentioned table we may extend credit facility of Rs 10.50 Lakh to the proposed
borrower.

3. Assessment of EPC / FBD limits: Not Applicable

Brief comments: NA

4. Assessment of Non fund based limits: NA

i) Assessment of LC limits: NA

Annual Raw Material purchases (Rs. in lakhs)

Monthly Raw Material purchases NA

Monthly Raw Material purchases through LC’s @ ………% (A) NA
Average Usance Period (B) NA
Lead Time and transit period (C) NA
Total of ‘B’ and ‘C’(D) NA
LC limits required (= A X D) NA
Recommended LC Limits NA

ii.) Assessment of BG limits: (Rs.in lakhs)

Outstanding BGs as on NA
Add: BG’s required during the next 12 months, as under NA
1.Earnest Money deposit NA
2.Security Deposit
3.Advance Payment BG
4. Retention Money Deposit/Maintenance Guarantee
1. Guarantees on account of sales tax, commercial tax and excise duty payments

Less: Estimated maturity/cancellation of BG’s during the period. NA

Requirements of BG’s NA
 Recommended BG limit NA
Brief Comments on requirements of NFB limits NA

Note: This format is applicable for entities with digital sales turnover not exceeding 25% of the total /
assessed turnover. In case the digital sales turnover exceeds 25% of the total / assessed turnover,
additional 5% of the digital sales turnover will be added to the total assessment of working capital ie 30%
of turnover for Digital sales and 25% of non-digital sales added together will be considered at point no.1 b
above.
 Annexure – A (ii):
TERM LOAN APPRAISAL: Not Applicable

Date of receipt of proposal Date of receipt of full Date of submission of proposal to

clarification/information sanctioning authority
27-04-2023 10-05-2023 10-05-2023

Comments of recommending authority:

Considering the above all facts represented in the above appraisal report, I recommend the proposal for
Sanction.

Comments of sanctioning authority:

Sanctioned as per Recommendation

Appraised and Assessed &

Details Recommended By Recommended by Sanctioned by

Signature

Name POORAN LAL POORAN LAL HEMANT KUMAR

EC No. 102366 102366 89481
Designation Credit officer Credit officer Branch Manager
Date 10-05-2023 10-05-2023 10-05-2023
 Annexure –A (iii): TERMS AND CONDITIONS

Name of the Unit/Borrower: M/S SHIV SHAKTI ENTERPRISES

(Rs. in Lakh)
1.
Existing 0.00
Facility limit
Proposed Rs.10.50 Lakh

Term Loan 0.00

CASH CREDIT 10.50

NFB facilities 0.00

2. Security
i) Primary
Facility Details of Security Market Date of Basis of Bank Assessed
Value valuation Valuation Value
OVERDR HYPO OF STOCK AND BD 10-05-2022 )
AFT

Others NIL NIL NIL NIL NIL

ii) Collateral
SI. Facility Details of Owned Type of Realizable Date of Date of
No. Security by Charge Value Valuation Title
Search
Report
1 OVERDRAFT CGTMSE NIL NIL NIL NIL NIL

Total NIL
Less: Existing Charges/ Extension (if any) NA
NA
Available Amount of security for the Loan

Guarantees
Sl. No. Name Net Means As on Compiled on Date
NIL NIL NIL NIL NIL
3. Pricing/ Interest
Facility BRLLR Existing Rate Card Rate Proposed rate
S Effective Rate Spread Effective Spread Concession Effective Rate
p Rate
r
OVERDRAFT 9.15 - - - - 2.35 0.00 11.75
Term Loan - - - - - - - -
Others - - - - - - - -
4. Margin (%) 25% OF Stock and Book Debts
Stocks NA
Receivables NA
Cover Period NA
BG NA
LC NA
Term Loan NA
5. Repayment
i) CC(Hyp)/ 12 MONTHS SUBJECTED TO ANNUAL REVIEW
Overdraft
ii) Term NA
Loan
iii) Others NIL
3 MONTHS
(i)Validity of
6.
Sanction (in
months) 12 MONTHS
(i) Review/
Renewal (in
months)

Frequency of ANNUAL
7.
inspection
Frequency of ANNUAL
8.
Stock
9. Statement TO BE OBATINED
Insurance
10. CGTMSE NA
guarantee fee &
Annual No.
CGPAN service NA
11. 3675+ GST
Processing fee
12. LC/BG NA
Mortgage NIL+ GST.
13.
Charges
14. Commitment NA
15. Penal Interest 2%
 SECURITY DOCUMENTS:

1) Attestation Memo(ldoc1)
2) DP note for Sole Proprietorship Firm. (ldoc3b)
3) Letter of continuing security (ldoc7)
4) Composite Hypothecation Agreement (ldoc 17b)
5) Declaration Cum Undertaking Cum Authority
6) Letter of Proprietorship (ldoc38)

16. Documents
 1) Equitable Mortgage of Security will be carried out and will be security till the limit
in existence and valuation of the same will be done once in three year and Insurance of
security is manadatory.
2) Penal interest @ 2% p.a wil be charged for non - payment / delayed payment on
overdue amount.
3) Borrower to note that Floating Rate of Interest will undergo change as and
when Bank will revise Floating Rate or BRLLR wherever is applicable.
4) Rate of Interest shall be reset on annual basis.
5) Rate of Interest is linked to BRLLR of the Bank.
6) The BRLLR prevailing on the date of disbursement will be applicable till the
next reset date i.e. one year, irrespective of the changes in the BRLLR during the
interim period

7) The OVERDRAFT facility is sanctioned for a period of 12 months. Renewal of

facility will be subject to satisfactory conduct and performance for which the
required information (financial statements, etc) should be submitted by the firm
-3-months before the due date. Failure to do so would attract penal interest @
2% p.a.

8) Obtaining of financial statements if applicable i.e. Balance Sheet and Profit and
Loss A/C is dispensed with. However, declarations on annual sales supported by
Returns / Assessment on Sales Tax, Income Tax, etc. be obtained and kept on
17. Specific record at the time of annual review
condition, if any:
9) Bank will have the right to carry out inspection of securities and the charges
thereof will be borne by the firm.

10) Branch to ensure that current account/s maintained with other Bank/s is
closed.

11)The borrower would keep the Bank informed of the happening of the event
that is likely to have substantial effect on the profit / business or circumstances
adversely affecting its financial position.

12) Stock Statement to be submitted once in a year in the month of febrauary.

 Other NA
Stipulation,
18. ( Bank’s usual /
common terms
& conditions )