CONFIDENTIAL

VARDHMAN TRADERS UCIC/UCC In CCIF: 10851419

Unicore ID - UNI-
Sanction Date - -
000000033190-PSN

RHS - GURSEWAK
RM - NOMESH .
SINGH

INDEX

1. Borrower Details

2. Assistance details

3. Banking Summary

4. Group Concern

5. Background and Business Description

6. Management Details

7. Shareholding Pattern/Profit Sharing Ratio

8. 360 Degree Reference Checks

9. Financial Performance

10. Property Valuation

11. Recommendation

12. Terms & Conditions

13. Security Template

14. Annexure I - Dedupe

15. Annexure II - Assessment of Limits

16. Other Details

17. Pending Compliances

18. Annexure III - Visit Report

19. Annexure IV - Financial Difficulty Details

20. Annexure V - RFA Triggers

21. Annexure VI - PSL Details

22. Annexure VII - Go-No-Go Norms

23. Annexure VIII - Qualitative Credit Analysis

24. Annexure IX - Disclosures

25. Annexure X - Banking Analysis

26. Annexure XI - Additional Details

27. PDD Details

27. PSN

28. Account Opening Calculator

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 29. Customer 360 Details

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 1.Borrower Details

Risk Counterparty Counterparty 1 VARDHMAN TRADERS

Group Name No specific Group

Industry-WHOLESALE AND RETAIL TRADE; REPAIR OF MOTOR VEHICLES, MOTORCYCLES AND

Industry
PERSONAL / HOUSEHOLD GOODS

Business Vintage 7 Years 2 Months 24 days

WHOLESALE TRADE/RETAIL
Industry Type Sub Industry Type Others
TRADE

Date of incorporation 01-07-2017 Constitution Sole Propreitorship

Borrower PAN BXXPK4299J Take over case -

Proposal Type Post Sanction Note

Final Decision - Relationship Since 19-08-2023

LEI Applicability NA

LEI NUMBER -

Validity of LEI number -

Registered office 2021 22 36 37 38 malout road krishna nagar Bathinda 151001 Bathinda Bathinda PUNJAB India

Special Mention Account (SMA): NA

Back to Index

2.Assistance details

(Rs. million)

Current Proposal Proposed Validity/Last

Existing Proposed
Facility O/S applicable Drawdown
Renewal Additional Limit Total
rate Date

Fund Based

Repo
Overdraft 17.90 -12.90 17.90 5.00 0.00 12
Rate+3.00%

Sub-total A 17.90 -12.90 17.90 5.00 0.00 - -

Non Fund Based

Sub-total B 0.00 0.00 0.00 0.00 0.00 - 0

OTHER

Sub-total C 0.00 0.00 0.00 0.00 0.00 - 0.00

Total(A+ B+ C) 17.90 -12.90 17.90 5.00 0.00 - -

Comments -

Facilities Secured against 100% Cash Margin : NA

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 3. Banking Summary

ICICI Bank

Amount
Name of Facility Existing Limit Outstanding Pricing Tenor Takeover Taken Purpose Sublimit
Over

TOD Parameters

Name Of Bank ICICI Bank

IS THERE ANY TOD -

Is TOD <=20% -

Is TOD Sanction Letter Available -

Is there regular Dr/Cr in Account -

Is there Overdrawings > 45 days -

Whether any Inward Cheque Return -

Interest is regularly served during Overdrawings -

No. of TOD availed -

Back to Index

4. Group Concern : NA

(Rs. million)

Back to Index

5. Background and business description

M/S VARDHMAN TRADERS is the proprietorship firm of Mr. Jiwan Kumar. Business vintage
About the entity is more than 7 years as per GST registration certificate dated 01.07.2017. Registered place
of the business is at Malout Road, Krishna Market, Bathinda, 151001

Products / Contracts Firm is engaged in wholesale and retail trading of all types of consumer goods

Production cycle Debtors are not more than 180 Days

Future Business plans Expansion is in same line of Business

Other details .

Financial Year Product % share to total turnover

Other Details

Business Brief:-

M/S VARDHMAN TRADERS is the proprietorship firm of Mr. Jiwan Kumar. Business vintage is more than 7 years as per
GST registration certificate dated 01.07.2017. Registered place of the business is at Malout Road, Krishna Market, Bathinda,
151001

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 Management Details:-

Name Age Designation Relationship

Jiwan Kumar 60 Years Prop. of Vardhman Traders Spouse of Sushma
Renu Bala 50 Years Prop. of Sister Concern Arham Enterprises Jiwan Kumar Brother’s Wife
Lokender Jain 34 Years Property Provider Son of Jiwan Kumar
Sushma 51 Years Property Provider Jiwan Kumar’s Wife
Aman Jain 30 Years Property Provider Son of Renu Bala

Business Model:-
Firm is engaged in wholesale and retail trading of all types of consumer goods which includes more than 500 products and all
categories of stock like Beauty, Electronics, Sports, Baby, Grocery, Appliances etc. Firm purchases goods from different
vendors in nearby locations. Firm mainly purchases these stocks from warehouse of Amazon store in which returnable or
cancelled items are placed. So, Amazon has created a Bulk warehouses in all states further they supply these stock to the direct
vendor on discounted prices as per category. Further, Firm sells to the wholesaler and retailer on margin basis. Credit Period
availed by the firm is around 7 days. Firm sells the goods to various locations in Punjab, Haryana and Rajasthan on credit
period of around 20-30 days. Firm also has retail shop in Bathinda. Average stock Maintained by the customer is around 1-
1.5Mn. Around 4-5 workers are employed in the both the firms i.e Borrowing firm and sister concern.

Sister concern:- Arham Enterprises is the proprietorship concern of Rene Bala (Spouse of Jiwan Kumar). Firm is registered
under GST as on 02.05.2022 having GST no. as 03AMQPB8910L1ZX. Firm is having its registered Place of business at Shop
no. 5, ward no. 7, AGGARSAIN NAGAR, Amrik Singh Road, Bathinda, Punjab,151005. Limit of 8.3Mn have been sanction in
this firm on 10.09.2024. This firm is also engaged in same line of business.

Collateral:- Following Properties are also held as Collateral in Arham Enterprises having sanctioned limit of :-

1. Firm is providing us with Self occupied Residential property located at Street no. 2, Sai Nagri , near Sai Mandir
Gidderbaha owned by Sushma. Valuation of the property as per valuation report dated 02.08.2023 is Rs 9.85 Mn.
2. Firm is providing us with Self occupied Residential property located at Street no. 2, Sai Nagri , near Sai Mandir
Gidderbaha owned by Lokinder Jain and Aman Jain. Valuation of the property as per valuation report dated
21.08.2023 is Rs 5.75 Mn.
3. Firm is providing us with Self occupied Residential property located at Street no. 1, Sai Nagri , near Sai Mandi
Gidderbaha owned by Renu Bala and Sushma. Valuation of the property as per valuation report dated 21.08.2023 is Rs
5.50 Mn.

Total Collateral Value:- 21.1Mn

Total Collateral Cover against Group Exposure of 13.3Mn is 158.64%.

Banking:-
Vardhaman Traders:-
Customer is having limit of 17.9Mn with IBank via account no. 199905004638. Account conduct is ETR with score of 94.67 as
per ATR sheet of July 2024. Other details as per the banking received is as follows:-
• Average Limit utilization 60.88%
• Credit summation in the account is 108.01Mn
• No Overdrawing’s
• Average interest delay of 2 days with maximum of 3 days
• No inward bouncing
• 2 Outward cheque bounced out of 25 cheques i.e 8%.
• No Penal Interest above 500.

M-o-M Sales:-

Sales as %age of
Credit per summation of
Month summation Karza Sales
Aug-23 NA 3.52
Sep-23 7.41 2.58 287.42%

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 Oct-23 4.61 5.44 84.74%
Nov-23 7.40 6.61 111.80%
Dec-23 5.47 6.06 90.21%
Jan-24 4.49 4.14 108.53%
Feb-24 6.73 2.50 269.74%
Mar-24 13.16 6.84 192.36%
Apr-24 13.60 11.78 115.48%
May-24 13.79 12.20 113.04%
Jun-24 12.52 6.70 186.88%
Jul-24 15.68 6.53 239.96%
Aug-24 3.16 NA
Total 108.02 74.90 144.22%

Top 5 Customers:-
Name of the customer Sales as per Credit summation (In %age of summation of
Karza (In Mn) Mn) Sales
BEST DEALS 2.51 1.94 77.13%
FACTORY CLUB 2.45 2.73 111.17%
Food Corporation of India 2.02 1.94 96.07%
BHAVI ENTERPRISES 1.78 1.94 108.89%
VARDHMAN ENTERPRISES 1.17 1.80 154.39%

Top 5 Suppliers:-
Name of the Supplier Purchases as per Debit summation (In %age of summation of
Karza Mn) Purchases
DAWNTECH ELECTRONICS
6.91 8.71 126.12%
PRIVATE LIMITED
SHYAM ENTERPRISES 6.84 8.80 128.66%
RETAILEZ PRIVATE LIMITED 6.10 5.22 85.62%
BANSAL EXPORT CO. 6.00 7.30 121.69%
GUPTA ELECTRONICS 4.13 4.55 110.08%

Dedupes:- 02.09.2024

Commercial CIBIL:-
Vardhman Traders: CMR 3

Individual CIBIL:-
Jiwan Kumar : 739
Renu Bala : 716
Aman Jain:- 742
Lokender Jain: 763
Sushma :- 773

Note:-
1. Peak DPD of 61 days from Nov 2018 to July 2019 and DPD of 31 days in Aug 2021 in Education loan of Rs 0.21 mn
sanctioned in April 2011. Track is closed satisfactorily in Sep 2021. NFA marked as per Original Sanction CAM.
2. In the CIBIL of Sushma, there is Auto Lon of 0.45Mn sanctioned in Oct 2012 showing DPD of maximum 145 days from
Sep 16 to Apr 17. After Apr17, account was running standard and as on date account is closed. NFA have been marked
in sister concern

Case have been submitted for reduction, as sister Concern Arham enterprises have been sanctioned for OD limit of 8.3Mn under
Superbiz model and we have considered vardman Trader as a copplicant in that firm. Thus, Reduction being done in Vardman
traders so that total expsoure of both firms is in limit and in line with the TOI.

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 Back to Index

6. Management Details

Name of Percentage of Date of

Lokinder Jain - 17-07-1990
Promoter shareholding birth

Personal
Capacity Other YES Age -
Guarantee

0 Near santoshi mata mand

Residential
ir,giddarbaha,,Sri muktsa
status of RESIDENT PAN ASDPJ1676L Address
r sahib,Muktsar,MUKTSAR,1
directors
52101,PUNJAB,India

Name of Percentage of Date of

Jiwan kumar 100 15-01-1964
Promoter shareholding birth

Personal
Capacity Proprietor YES Age <=60 years
Guarantee

Tilk nagar ward no 3,Gidd

Residential
arbaha,,sri muktsar sahib
status of RESIDENT PAN BXXPK4299J Address
,Muktsar,MUKTSAR,152101,P
directors
UNJAB,India

Name of Percentage of Date of

Renu Bala - 09-07-1973
Promoter shareholding birth

Personal
Capacity Other YES Age -
Guarantee

w.no.3,,Nede tealfphone e
Residential
xchange,Giddarbaha, Mukts
status of RESIDENT PAN AMQPB8910L Address
ar,Muktsar,MUKTSAR,152101
directors
,PUNJAB,India

Name of Percentage of Date of

Sushma - 01-12-1971
Promoter shareholding birth

Personal
Capacity Spouse YES Age -
Guarantee

Tilk nagar, ward no-3,Gid

Residential
darbaha,,Sri Muktsar Sahi
status of RESIDENT PAN BLWPS7993C Address
b,Muktsar,MUKTSAR,152101,
directors
PUNJAB,India

Name of Percentage of Date of

Aman Jain - 30-03-1994
Promoter shareholding birth

Personal
Capacity Other YES Age -
Guarantee

w no. 3,,Neede Telephone

Residential
Exchange,Giddarbaha, Sri
status of RESIDENT PAN BDGPJ9902C Address
muktsar sahib,Muktsar,MUK
directors
TSAR,152101,PUNJAB,India

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 Back to Index

7. Shareholding Pattern/Profit Sharing Ratio

Date as on : 31-03-2024

Name of the
% holding % Pledged Relationship
shareholder/partner

Jiwan kumar 100.00% - Proprietor

Renu Bala 0.00% - Other

Lokinder Jain 0.00% - Other

Sushma 0.00% - Spouse

Aman Jain 0.00% - Other

Total 100.00% 0.00%

Back to Index

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Financial performance - -

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BankingStatement Output

ATR_Rating ATR_Rating

ATR_Score ETR

10. PROPERTY VALUATION

Parameters Internal Valuation

Application Number 1375531

Name of the valuer & date of valuation ICICI Bank 02-08-2023

STREET NO 2, SAI NAGRI, NEAR SAI MANDIR, Giddarbaha, 152101, Muktsar,

Address of property
MUKTSAR, PUNJAB, India

Valuation Rs 9.85 million

Type of property & Sub-Type of Property Immovable Fixed Assets

Status of occupancy -

Name of the owner Sushma

Parameters Internal Valuation

Application Number 1375533

Name of the valuer & date of valuation ICICI Bank 21-08-2023

STREET NO.1, Sai Nagri, Near Sai Mandir, Giddarbaha, 152101, Muktsar,
Address of property
MUKTSAR, PUNJAB, India

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 Valuation Rs 5.50 million

Type of property & Sub-Type of Property Immovable Fixed Assets

Status of occupancy -

Name of the owner Sushma,Renu Bala

Parameters Internal Valuation

Application Number 1375532

Name of the valuer & date of valuation ICICI Bank 21-08-2023

Street no. 2, Sai Nagri, Near Sai Mandir, Giddarbaha, 152101, Muktsar,
Address of property
MUKTSAR, PUNJAB, India

Valuation Rs 5.75 million

Type of property & Sub-Type of Property Immovable Fixed Assets

Status of occupancy -

Name of the owner Lokinder Jain,Aman Jain

Back to Index

11. Recommendation

Approved Credit Facilities to VARDHMAN TRADERS on the terms and conditions as mentioned in below:

APPROVER ACCESS
USERID USERNAME DESIGNATION DECISION DECISION_DATE REMARK
TYPE

2024-09-24
90002124 AKANKSHA FROM CREDIT MANAGER Accept Submitted
23:52:02

2024-09-24
90004956 NOMESH . THROUGH Relationship Manager - -
23:52:02

GURSEWAK REGIONAL HEAD 2024-09-24

312150 THROUGH - -
SINGH SALES 23:52:02

2024-09-24
148299 YASHINDER PAL TO REGIONAL HEAD - -
23:52:02

2024-09-24
472475 ANJLI . TO CREDIT MANAGER - -
23:52:02

(Rs. million)

Facility Existing limit Additional limit Proposed total Pricing

Fund based

Overdraft 17.90 -12.90 5.00 Repo Rate+3.00%

Sub-total A 17.90 -12.90 5.00 -

Non Fund based

Sub-total B 0.00 0.00 0.00 -

Other

Sub-total C 0.00 0.00 0.00 -

Total (A+B) 17.90 -12.90 5.00 -

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 A. Deviation (Part A)

Variance from standard terms and conditions in the present sanction (in case of fresh proposals)* and/or deviations from
earlier sanction (in case of renewal proposals)* as detailed below:

Sr. Nature Of
Clause Norm Actual Justification
No Deviation

ICICI Bank shall be entitled to

have all the assets offered as
security, valued by one or more
appraisers appointed by ICICI
Bank, at the cost of the
Operational Valuation As per
1 - Borrower and the Borrower shall
Terms report Requirement
ensure that required assistance
is provided to such appraiser. -
Every 2 years from the date of
valuation report/Annually from
the date of valuation report.-

Collateral cover of 100% (pre

LTV) to be maintained during
currency of loan. Equitable
mortgage to be created on the
Operational Collateral cover of 100% (pre property as per timeline in
As per
2 terms and Collateral Cover LTV) to be maintained during security template (Already
Requirement
Condition currency of loan Done). Property to be
acceptable as per program and
property guidelines. Clean and
marketable title of property
offered as collateral.

Sole Banking: Borrower to route

Sole Banking: Borrower to route all banking transaction with
Operational all banking transaction with ICICI Bank Ltd. Customer to
Routing of As per
3 terms and ICICI Bank Ltd within 3 months reduce the limit of Vardhman
turnover Requirement
Condition from the date of disbursment of Traders to 5Mn by its own funds
the limits. prior to disbursement and same
to be vetted by CPG

Borrower undertakes that

during the currency of ICICI
Bank facilities, it shall not avail
Borrower undertakes that of any credit facility / opening of
during the currency of ICICI current account from other
Operational Bank facilities, it shall not avail banks / FI without prior written
Special As per
4 terms and of any credit facility / opening of permission of ICICI Bank Ltd.
Condition Requirement
Condition current account from other LAD to be taken every 3 years.
banks / FI without prior written Savings account of all Partners
permission of ICICI Bank Ltd. and Co-applicant to be opened
with ICICI Bank before Limit
setup. (NFA for same is
available with RH)

5 Operational Cross The collateral security offered The collateral security offered As per

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 terms and collateralisation for Arham Enterprises is to cover for Arham Enterprises is to cover Requirement
Condition 1 the limits provided to the the limits provided to the
Vardhman Traders and vice Vardhman Traders and vice
versa. Cross collateralization versa. Cross collateralization
process as defined in internal process as defined in internal
guidelines to be followed. guidelines to be followed. NOC
Blocking by marking Lien of Re1
to be done in all the accounts

B. Deviation (Part B) : NA

C. NFA

Others

Official
Official
from
Norm Actual Justification/Rationale from
Business
Business
Credit

DIP in TOI have been

observed as new firm
have been incorporated
with same line of
business. we are
reducing the limit from
17.9Mn to 5Mn. Senior
Regional
DIP in TOI DIP in TOI in F.Y24 However, Case have Credit
Head
been recommended Manager
basis Satisfactory CIBIL
score, Sufficient
Collateral and Sufficient
churning in the case and
ETR account conduct
with score of 100.

D. Authority

E. Dedupe NFA

Back to Index

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 12. Terms and conditions

Existing conditions of terms and conditions and default interest to be continued(Please use template of terms and conditions
for the products specific to the company. Operating terms & conditions and Default Interest Rates are also to be stipulated as
applicable).

Facility - Overdraft

http://universe.icicibankltd.com/businessgroups/RMG/Asp/CRMG_FormatsAppraisalNote_StandardsTC.asp

Operational Terms and conditions

Clause Standard Data TimeLine Data

ICICI Bank shall be entitled to have all the assets

offered as security, valued by one or more
Valuation report appraisers appointed by ICICI Bank, at the cost of Every 3 years from the date of valuation report.
the Borrower and the Borrower shall ensure that
required assistance is provided to such appraiser.

ROI and PF Pricing (ROI and PF) approval to be taken prior to Disbursement

Collateral cover of 100% (pre LTV) to be maintained during currency of loan. Equitable mortgage to be
Collateral Cover created on the property as per timeline in security template (Already Done). Property to be acceptable
as per program and property guidelines. Clean and marketable title of property offered as collateral.

The facilities availed from ICICI Bank will not be diverted/utilized to sister concern or for financing
Diversion of Funds
activity.

Group companies including borrower availing exposure with ICICI Bank: Any default committed by
Cross default - Other
Arham Enterprises shall be deemed to be an event of default by borrower and vice-versa. Hence liability
Company
of the borrowers are joint and several.

Sole Banking: Borrower to route all banking transaction with ICICI Bank Ltd. Customer to reduce the
Routing of turnover
limit of Vardhman Traders to 5Mn by its own funds prior to disbursement and same to be vetted by CPG

Borrower undertakes that during the currency of ICICI Bank facilities, it shall not avail of any credit
facility / opening of current account from other banks / FI without prior written permission of ICICI Bank
Special Condition
Ltd. LAD to be taken every 3 years. Savings account of all Partners and Co-applicant to be opened with
ICICI Bank before Limit setup. (NFA for same is available with RH)

The collateral security offered for Arham Enterprises is to cover the limits provided to the Vardhman
Cross collateralisation 1 Traders and vice versa. Cross collateralization process as defined in internal guidelines to be followed.
NOC Blocking by marking Lien of Re1 to be done in all the accounts

Additional Interest Rate

Sr Nature of default (as Reckoning of default Editable Default interest rate (p.a.) Applicability
No applicable) interest payable monthly (Y/N)

Repayment Schedule

Facility Repayment Measurement Number of Proposed Percentage/Amount of

Frequency
Name type Criteria(Percentage/Amount) Installments Total Installment

Covenant : No

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13. Security Template :

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 A.SECURITY DETAILS :

Collateral Security

Valuation Date Residual Value (in

Type of
Type Of Charge Status Of Property Value of asset (wherever case of cross-
property/asset
applicable) collateral)

Immovable Fixed Joint Without

Exclusive charge 5.75 21-08-2023 -
Assets Borrower

Owned (by
Immovable Fixed promoter
Exclusive charge 9.85 02-08-2023 -
Assets group/related
party/etc.)

Immovable Fixed Joint Without

Exclusive charge 5.5 21-08-2023 -
Assets Borrower

Timeline for
Security
Timeline for Perfection Timeline for Name of
Security (apart from pari-passu Address owner of Facility
Creation CHG1 letter property
and Pari
Passu)

Street no. 2,Sai Nagri,Near Sai Man Lokinder

Upfront Not Applicable Not Applicable dir,Giddarbaha,152101,MUKTSAR,PUNJA Jain,Aman Overdraft
B,Muktsar,India. Jain

STREET NO 2,SAI NAGRI,NEAR SAI MAN

Upfront Not Applicable Not Applicable DIR,Giddarbaha,152101,MUKTSAR,PUNJA Sushma Overdraft
B,Muktsar,India.

STREET NO.1,Sai Nagri,Near Sai Mand

Sushma,Renu
Upfront Not Applicable Not Applicable ir,Giddarbaha,152101,MUKTSAR,PUNJAB Overdraft
Bala
,Muktsar,India.

Comfort Security Details

Name of Personal Networth excl Capital Investment in

Class (I, Relationship Total Networth As On
Personal % Share in borrowing the Borrower Company
II or III) with Promoter (Rs.million) Date
guarantor company (Share)

Personal 31-03-
Renu Bala Class II 2.50 0 2.5
Guarantee 2024

Personal 31-03-
Sushma Class II 2.50 0 2.5
Guarantee 2024

Personal 31-03-
Aman Jain Class II 2.50 0 2.5
Guarantee 2024

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 Personal 31-03-
Lokinder Jain Class II 2.50 0 2.5
Guarantee 2024

Personal 31-03-
Jiwan kumar Class II 2.50 0 2.5
Guarantee 2024

Collateral Table

Exposure
Overall
Sr Security Collateral Collateral Based on Proposed
Collateral ID Sub-Type Collateral Status
No detail Cover % Value Collateral Limit
Cover
cover

Immovable Residential
1 COLL_769081 100.00 9.85 9.85 5.00 197.00 Used
Fixed Assets Property

Immovable Residential
1 COLL_763501 100.00 9.85 9.85 5.00 197.00 Used
Fixed Assets Property

Immovable Residential
2 COLL_769082 100.00 5.75 5.75 5.00 115.00 Used
Fixed Assets Property

Immovable Residential
2 COLL_763506 100.00 5.75 5.75 5.00 115.00 Used
Fixed Assets Property

Immovable Residential
3 COLL_769083 100.00 5.5 5.50 5.00 110.00 Used
Fixed Assets Property

Back to Index

14. Annexure I - DEDUPE

A. Consumer Bureau

CIBIL
Sr No. Name PAN Dedupe Generation Date
Score

1 Lokinder Jain ASDPJ1676L 2024-09-20 11:11:32.0 763

2 Aman Jain BDGPJ9902C 2024-09-20 11:11:32.0 742

3 Renu Bala AMQPB8910L 2024-09-20 11:11:32.0 716

4 Sushma BLWPS7993C 2024-09-20 11:11:32.0 773

5 Jiwan kumar BXXPK4299J 2024-09-20 11:11:32.0 759

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 B. Commercial Bureau

CMR
Sr No. Name PAN Dedupe Generation Date
Score

VARDHMAN
1 BXXPK4299J 2024-09-20 11:11:41.0 CMR-3
TRADERS

C. Fircosoft

Sr No. Name PAN Status

1 Jiwan kumar BXXPK4299J FFF_OK

2 VARDHMAN TRADERS BXXPK4299J FFF_OK

3 Sushma BLWPS7993C FFF_OK

4 Aman Jain BDGPJ9902C FFF_OK

5 Lokinder Jain ASDPJ1676L FFF_OK

6 Renu Bala AMQPB8910L FFF_OK

D. CPCS

Reported
Sr No. Name PAN Match Found Description
Date

2024-09-
1 Aman Jain BDGPJ9902C No 20 Process Completed
11:11:25

2024-09- MCA defaulters company

2 SUSHMA Yes 20 list with CIN no.
11:11:25 U29255KA2014PTC074653

2024-09-
3 Jiwan kumar BXXPK4299J No 20 Process Completed
11:11:25

SHREE 2024-09-
Finacle 60+ DPD from
4 VARDHMAN AALPJ2842G Yes 20
MIS3686
TRADERS 11:11:25

2024-09- Account no 754705000022

VARDHMAN
5 AHKPJ4047M Yes 20 NPA of Finacle as at 2023-
TRADERS
11:11:25 06-30 (NPA date)

2024-09-
Vardhman
6 AHZPB2621E Yes 20 To be processed in TBR
Traders
11:11:25

2024-09-
7 Lokinder Jain ASDPJ1676L No 20 Process Completed
11:11:25

2024-09-
8 Renu Bala AMQPB8910L No 20 Process Completed
11:11:25

E. MCA Check : NA

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 Back to Index

15. ANNEXURE II

Assessment of Limits

Rs. million

Fund Based

Overdraft

Turnover as per Banking 164.37

Growth rate of turnover as per Banking%

Justification for growth rate

Limit Requested 5.00

Assessed Limit 32.87

Turnover

Non Fund Based : NA

Term Loan - NA

FCNR B Term Loan

FCNR B Term Loan-1 -

Assessment Method: Working Capital

a Turnover as per Banking 164.37

b Growth rate of Banking% -

c Justification for growth rate -

d Limit Requested 5

Working capital Fund Based Limit with other

e
banks

f Assessed Limit 32.87

Limit as per Bank Borrowing to Sales

a Total Proposed Borrowing 5.00

b Facilities / Loans to be excluded 0

c Facilities / Loans to be included 8.3

d Total Borrowings to be considered for BBS 13.30

e Turnover as per Banking 164.37

f Bank Borrowing to Sales % 8.09

______________________________________________________________________________________________
UNICORE--North and East 1-VARDHMAN TRADERS-10851419
16
 Overall

a Total assessed Fund Based Limit 5

b Total assessed Non Fund Based Limit 0

g Total Limit Requested 5.00

Back to Index

Other Details

16. Others Details

1. Comparision of financial year with previous years(Rs. In Mn)

Was provisional or projections considered during previous sanction No

2. Debtors Ageing(Rs. In Mn)

NA

Remarks : -

3. Stock Audit

Is stock Audit Applicable : No

4. Original Sanction date

Date of Sanction Amount of Sanction(Rs. In Mn)

19-09-2024 5

Back to Index

Pending Compliances

17. Pending Compliances

1.Pending compliances applicable: No

NA

NA

Back to Index

18. Annexure III: Visit Report

Site Visit Report

Name of the entity VARDHMAN TRADERS

Address visited malout road,krishna

______________________________________________________________________________________________
UNICORE--North and East 1-VARDHMAN TRADERS-10851419
17
 nagar,Bathinda,151001,Bathinda,Bathinda,PUNJAB,India.

Mobile Nos. +91 9417004269

Any Other Branch/Factory/Godown Na

Emp ID and Name 90004956 , NOMESH .

Person met with designation MS Jiwan kumar , Proprietor

Date & time of visit 17-09-2024 at 02:00PM

General Observation -

Who is occupying the property (Partner/ Promoters/ Directors/

Owned by Borrower
Rented/ Etc.

About the locality -

Whether any other board or any other ownership/hypothecation

Na
displayed

Permanent Emp -, At Bathinda Office

No. of Staff permanent / Outsource/temporary daily wages
Outsource Emp --

Business activity Seen -

Comment on overall infrastructure (space-own/rented, area of

good
premise)

Any other point worth highlighting. -

Stock levels Seen -

Summary Of visit NA

Any other observations -

Back to Index

19: ANNEXURE IV - Financial Difficulty Details

Financial Difficulty Details Applicability: NA

Back to Index

20. Annexure V - RFA Triggers

Sr Type of Indicative Trigger Qualified

Parameter for Evaluation Details Justification
No. Trigger Source Breach as RFA?

______________________________________________________________________________________________
UNICORE--North and East 1-VARDHMAN TRADERS-10851419
18
 Drop in turnover/credit
summation by 50% or more
as compared to the previous
year (wherever annual data
Turnover is not available, there should Bank
A NO Na NA -
Related not be more than 50% dip in Statement
last six month's credit
summation as compared to
previous six month's credit
summation)

Adverse findings based on Bureau /

Dedupe
B the dedupe check (60+ in DPD NO Na NA -
check
last 12 months) Report

Adverse findings based on

Business Visit
C unit visit report (if NO Na NA -
existence Reports
applicable)

Non-creation of security for

Security Pending
a period exceeding six
D Related compliance NO Na NA -
months from the due date (if
check report
applicable)

Any other trigger, on a case

to case basis EWS testing to
E Other - NO Na NA -
be done by the Credit/
Product team.

RFA Triggers

We recommend that the account is not to be tagged as RFA because of vintage, satisfactory
RFA
account conduct, growing topline and it being reputed client. Highlighted to sanctioning authority

No. of RFA trigger observed 0

Back to Index

21. Annexure VI: PSL Details

Priority Sector Categorization PSL SMALL MANUFACTURING

Udyam Registration Certificate available Yes

Udyam Registration Certificate (URC) No. UDYAM-PB-03-0006081

Date of Udyam Registration Certificate 2021-06-03

PSL Classification Basis Manufacturing

Customer Classification SMALL

Whether client is engaged in Agri Processing or

No
Food Processing ?*

______________________________________________________________________________________________
UNICORE--North and East 1-VARDHMAN TRADERS-10851419
19
 Whether the MSME unit is ZED rated* NA

Weaker Section Sub sector Finacle code Not Applicable

MSME Unit -

Type of facility Purpose Sector code Sub Sector code Mode of Advance

Overdraft ICORE PRIORITY SEMF *-MSME

Back to Index

22: Annexure VII : Go-No-Go Norms

Sr.No Norms Declarations

No director, manager, managing agent, employee, guarantor of the Borrower or of the subsidiary of the
Borrower, or of the holding company of the Borrower or any person holding substantial interest in the
1 Yes
Borrower or a subsidiary or the holding company of the Borrower is a director of ICICI Bank.(as per E-circular
no 11235)

No director or partner or guarantor of the Borrower or any person holding substantial interest in the
Borrower is:i. a director of any other banking company (including any scheduled co-operative banks), or a
2 director of any subsidiaries of any banking company (including ICICI bank) or a trustee of mutual Yes
funds/venture capital funds set up by any banking company (including ICICI bank).ii. a senior officer of ICICI
Bank or a relative of a senior officer of ICICI Bank.

No director or partner or guarantor or of the Borrower or any person holding major shares or control in the
Borrower or in its holding company or in its subsidiary company is: (i). a relative (as specified by RBI) of any
director (including chairman and managing director) of ICICI Bank or any other banking company(including
3 Yes
scheduled co-operative banks) or a relative of any director of subsidiaries of any banking company
(including ICICI bank) or a relative of any trustees of mutual funds/venture capital funds set up by any
banking company (including ICICI bank)

4 The proposal should be in compliance with clause 2.2.6 of CAAM as approved from time to time Yes

The proposal should be in compliance to the provisions of Section 20 of Banking Regulation Act, 1949 and
5 Yes
bank wide connected lending clauses (as applicable)

The proposal should be in compliance with all regulatory guidelines and the borrowing
6 entity/promoters/guarantors should not appear in the RBI/ECGC list of defaulters/ terrorist list/RBI wilful Yes
defaulters list/ RFA/ Fraud / Non-Cooperative Borrowers

As per RBI guideline on Loan System for Delivery of Bank Credit dated December 5, 2018 for borrowers with
7 fund based working capital limit of Rs. 1500.0 million and above, minimum level of loan component at 60% Yes
from July 1, 2019 (as amended from time to time).

Borrowers under financial difficulty (as per parameters laid under the extant RBI guideline and Credit and
8 Yes
Recovery Policy) will not be funded

Fresh/enhancement proposal would not be processed under Program which are identified as Sick unit
9 as per Framework for Rehabilitation of Micro and Small Enterprise (MSE) Sick Units as amended from Yes
time to time

Legal Entity Identifier (LEI) number should be obtained prior to sanction/renewal/enhancement of facilities; if
10 applicable as per extant RBI guidelines /Bank Internal policy / process, (This norm shall be applicable as Yes
amended from time to time.)

Exposure should be within Enterprise Risk Management framework for borrower group and any other
11 Yes
exposure related regulatory norms.

12 KYC related norms as per KYC circular to be complied Yes

13 Anti-money laundering related norms to be complied Yes

______________________________________________________________________________________________
UNICORE--North and East 1-VARDHMAN TRADERS-10851419
20
 If any of the promoter/borrowing entity is a part of the list of entities provided by FARG from time to time,
14 pre-sanction approval needs to be taken from FARG for processing the case subject to the list of such Yes
entities uploaded in CPCS by FARG

15 All regulatory guidelines rolled out from time to time complied Yes

Back to Index

23: Annexure VII - Qualitative Credit Analysis

Back to Index

24. Annexure IX - Disclosures

1.Real Estate Exposure:NO

2.Capital Market Exposure : NO

3.Project Company : NO

OFAC Questions

Whether OFAC declaration obtained ? Not applicable to be selected only when there is no export/import transactions -

Country of Risk/Indirect Risk

Percentage exports to total revenue to the country/ies identified -

Is Country of Risk/Indirect Risk Applicable? NA

Country of risk NA

Country of indirect risk NA

Back to Index

25: Annexure X - Banking Analysis

ETR/GTR/PTR Details

Name of Bank: ICICI Bank

Total
Facilities Input ETR/GTR/PTR
Score

CC and OD

Limits Utilisation % 60.88

Credit Summation % 634.41

Limits Overdrawn Days 0.00

Average Overdrawn % of Fund Based Sanction Limits 0.00

Interest servicing (Average no. of delays in interest servicing) 1.50

No of Inward Cheque Return as a % no.of Cheques Issued 12.00

No of Outward Cheque Return as a % no.of Cheques Received 8.00

WCDL/EPC/Bills

______________________________________________________________________________________________
UNICORE--North and East 1-VARDHMAN TRADERS-10851419
21
 No of Tranches/Bills Delayed NA

Average No. of Days of Delays NA

LC BG

% of LC BG Development NA

Term Loan WCTL DD Loan DLOD

Average No. of Days of Delay in repayment of Principal and/or interest NA

Penal Interest

Penal Interest more than 500 for all facilities Number of times 0.00

TOD

No of TOD's availed by the borrower

TOTAL

SCORE 100.00

CLASSIFICATION RATING ETR

Any Irregularity > 60 days

Any Irregularity exceeding 60 days in any facility for the past 12 months

TOD<=20%

Without Santion Letter maximum overdrawing upto 45 days in the past 12 month with regular debits
and credits in the account No interest delay.

FINAL CLASSIFICATION

Final Borrower/Corporate Guarantor Rating

Back to Index

26. Annexure XI - Additional Details

Credit Appraisal Remarks :

Kindly approve

Back to Index

27. PDD Details

Document Timelines for submission of post

Sr.No Document Name Applicable Remarks
Code Disbursement documents (in days)

1 Security Creation PDSEC No - -

2 Other Bank A/c closure PDACC No - -

3 Other Bank A/c closure_1 PDAC1 No - -

4 Other Bank A/c closure_2 PDAC2 No - -

5 Other Bank A/c closure_3 PDAC3 No - -

______________________________________________________________________________________________
UNICORE--North and East 1-VARDHMAN TRADERS-10851419
22
 6 No dues certificate PDNDC No - -

7 CHG1 PDCHG No - -

Submission of Audited
8 PDAUD No - -
financials

CA certificate for capital

9 PDCAC No - -
infusion

10 Tax Receipts PDTAX No - -

11 Notice of Intimation PDNOI No - -

12 Insurance (Property/Stock) PDINS No - -

13 AQR PDAQR No - -

14 Other Documents PDOTH No - -

Before Expiry of
15 Valuation after 3 years PDVAL Yes 1095
3 Years

Letter of Acknowledgement of Before Expiry of

16 PDLAD Yes 1095
Debt (LAD) 3 Years

17 Legal Entity Identifier (LEI) PDLEI No - -

18 Title Search Report PDTSR No - -

19 End use certificate PDEUC No - -

Back to Index

Program Module

Program Name Balance Takeover Varient

Existing Ops Team LOPS

New Program Name Banking Variant

Previous Case Program Other

Back to Index

Back to Index

27. PSN

S. No Section Heading Existing Proposed Rationale

Auto-PSN:

Assistance Details

Operation
S.No Section Heading Existing Proposed Remarks
Type

Existing value in Pricing

New value in Pricing
Existing Facility De (Tot
(Total of
1 MODIFIED tails of Overdraft c al of Rate Base + Spread) No Change made
Rate Base + Spread) is
hanged was
9.50
6.5

______________________________________________________________________________________________
UNICORE--North and East 1-VARDHMAN TRADERS-10851419
23
 Terms and Conditions

Operation
S.No Section Heading Existing Proposed Remarks
Type

Existing Standard New Standard (Editable)

(Editable) o of Int
f Interest of Overdraft was erest against Overdraft is
Re Rep
po Rate :The rate of o Rate: The rate of
interest interest o
of the Facility stipulated f the Facility stipulated by
by t
the Bank shall be sum of he Bank shall be sum of
the R the Re
epo Rate plus "Spread" po Rate plus "Spread" per
per ann annu
um, plus applicable m, plus applicable
statutory statutory l
levy, if any ("Interest evy, if any ("Interest
Rate") Rate")
and shall be charged on and shall be charged on
the p the pr
rincipal amount of the incipal amount of the
Facilit Facility
y remaining outstanding remaining outstanding
each d each da
ay. The applicable Repo y. The applicable Repo
Rate s Rate sh
hall be the rate prevailing all be the rate prevailing
on one
Existing Standard co e Business Day preceding Business Day preceding
1 MODIFIED ndition of Overdraft the d the da No Change made
changed ate of account opening te of account opening
/limit /limit s
set-up /renewal. As on et-up /renewal. As on date
date t
the Repo Rate is 6.50% he Repo Rate is 6.50%
and Spr and Spre
ead is 3.00%%. "Repo ad is 3.00%. "Repo Rate"
Rate" or or "
"Policy Repo Rate" means Policy Repo Rate" means
the the ra
rate of interest published te of interest published by
by th
the Reserve Bank of India e Reserve Bank of India
("RB ("RBI"
I") on the RBI website ) on the RBI website from
from ti time
me to time as Repo Rate to time as Repo Rate or
or Pol Polic
icy Repo Rate. The Repo y Repo Rate. The Repo
Rat Rate
e component of the component of the Interest
Interest Ra Rate
te shall be reset after shall be reset after every 3
every
3 months following the months following the date
date of of a
account opening /limit set- ccount opening /limit set-

______________________________________________________________________________________________
UNICORE--North and East 1-VARDHMAN TRADERS-10851419
24
 up up /
/renewal (as applicable), renewal (as applicable),
as as a
a sum of Repo Rate + sum of Repo Rate +
"Spread", "Spread", p
plus applicable statutory lus applicable statutory
lev levy,
y, if any. The applicable if any. The applicable
Repo Repo R
Rate shall be the rate ate shall be the rate
prevai prevaili
ling one Business Day ng one Business Day
precedin preceding
g the reset date. The Bank the reset date. The Bank
sh shal
all have the right to l have the right to modify
modify t the
he reset frequency and reset frequency and reset
reset d dat
ate from time to time in e from time to time in
accor accorda
dance with the extant RBI nce with the extant RBI
Guid Guidel
elines. The Borrower ines. The Borrower further
further a ack
cknowledges that Interest nowledges that Interest
Rate Rate m
may change, upward or ay change, upward or
downwar downwards
ds, as the case may be, in , as the case may be, in
lin line
e with change in the Repo with change in the Repo
Rate Rate.
. The Bank reserves the The Bank reserves the
right right to
to reset the Spread at any reset the Spread at any
tim time
e upon substantial change upon substantial change
in t in the
he Borrower credit Borrower credit
assessment assessment an
and/ or on account of d/ or on account of
deterior deteriorat
ation in the credit risk ion in the credit risk profile
profi . Any change in would be
le. Any change in would commu
be com nicated by the Bank
municated by the Bank through ei
through ther: (i) Letter (ii) E-Mail (
either: (i) Letter (ii) E-Mail iii) SMS (iv) Statements of
(iii) SMS (iv) Statements of Ac
counts (v) WhatsApp or
Accounts (v) WhatsApp or any oth
any o er suitable mode. The
ther suitable mode. The Borrower
Borrow shall be deemed to have
er shall be deemed to notic
have not e of changes in the Repo
ice of changes in the Repo Rate
Rat when displayed on the

______________________________________________________________________________________________
UNICORE--North and East 1-VARDHMAN TRADERS-10851419
25
 e when displayed on the notice b
notice oard of the Branch or
board of the Branch or displaye
displa d on Bank"s website
yed on Bank"s website (www.icici
(www.ici bank.com) and the
cibank.com) and the Borrower is
Borrower i

Security details

Operation
S.No Section Heading Existing Proposed Remarks
Type

Exisitng Immovable F
ixed Assets with Val
ue ["5.5"] and Addre
ss TILAK NAGAR BACK
SIDE DAV COLLEGE GID Property address wri
1 DELETED DERBAHA 151001 Bathi tten as per valuatio
nda Bathinda PUNJAB n report
India and Owned by R
enu Bala,Sushma dele
ted from Security de
tails.

New Immovable Fixed

Assets with Value ["
5.5"] and Address ST
REET NO.1 Sai Nagri
Property address wri
Near Sai Mandir Gidd
2 INSERTED tten as per valuatio
arbaha 152101 Muktsa
n report
r MUKTSAR PUNJAB Ind
ia and Owned by Sush
ma,Renu Bala added i
n Security details.

Exisitng Immovable F
ixed Assets with Val
ue ["5.75"] and Addr
ess TILAK NAGAR BACK
SIDE DAV COLLEGE GI
Property address wri
DDERBAHA 151001
3 DELETED tten as per valuatio
Bath
n report
inda Bathinda PUNJAB
India and Owned by
Aman Jain,Lokinder J
ain deleted from Sec
urity details.

New Immovable Fixed

Assets with Value ["
5.75"] and Address S
treet no. 2 Sai Nagr
i Near Sai Mandir Gi Property address wri
4 INSERTED ddarbaha 152101 Mukt tten as per valuatio
sar MUKTSAR PUNJAB I n report
ndia and Owned by Lo
kinder Jain,Aman Jai
n added in Security
details.

______________________________________________________________________________________________
UNICORE--North and East 1-VARDHMAN TRADERS-10851419
26
 Exisitng Immovable F
ixed Assets with Val
ue ["9.85"] and Addr
ess TILAK NAGAR BACK
SIDE DAV COLLEGE GI Property address wri
5 DELETED DDERBAHA 151001 tten as per valuatio
Bath n report
inda Bathinda PUNJAB
India and Owned by
Sushma deleted from
Security details.

New Immovable Fixed

Assets with Value ["
9.85"] and Address S
TREET NO 2 SAI NAGR
Property address wri
I NEAR SAI MANDIR Gi
6 INSERTED tten as per valuatio
ddarbaha 152101 Mukt
n report
sar MUKTSAR PUNJAB I
ndia and Owned by Su
shma added in Securi
ty details.

New Facility Overdra

ft for Immovable Fix
ed Assets with Value
["9.85"] and Addres
s STREET NO 2 SAI N
AGRI NEAR SAI Property address wri
7 INSERTED MANDIR tten as per valuatio
Giddarbaha 152101 M n report
uktsar MUKTSAR
PUNJA
B India and Owned By
Sushma added in Sec
urity details

New Facility Overdra

ft for Immovable Fix
ed Assets with Value
["5.75"] and Addres
s Street no. 2 Sai N
agri Near Sai Mandir Property address wri
8 INSERTED Giddarbaha 152101 M tten as per valuatio
uktsar MUKTSAR n report
PUNJA
B India and Owned By
Lokinder Jain,Aman
Jain added in Securi
ty details

New Facility Overdra

ft for Immovable Fix
ed Assets with Value
["5.5"] and Address
Property address wri
STREET NO.1 Sai Nag
9 INSERTED tten as per valuatio
ri Near Sai Mandir G
n report
iddarbaha 152101 Muk
tsar MUKTSAR PUNJAB
India and Owned By S
ushma,Renu Bala adde

______________________________________________________________________________________________
UNICORE--North and East 1-VARDHMAN TRADERS-10851419
27
 d in Security detail
s

Existing Facility Ov
erdraft for Immovabl
e Fixed Assets with
Value ["5.75"] and A
ddress TILAK NAGAR B
ACK SIDE DAV Property address wri
10 DELETED COLLEGE tten as per valuatio
GIDDERBAHA 151001 B n report
athinda Bathinda PUN
JAB India and Owned
By Aman Jain,Lokinde
r Jain deleted from
Security details

Existing Facility Ov
erdraft for Immovabl
e Fixed Assets with
Value ["5.5"] and Ad
dress TILAK NAGAR BA
CK SIDE DAV COLLEGE Property address wri
11 DELETED GIDDERBAHA 151001 tten as per valuatio
Ba n report
thinda Bathinda PUNJ
AB India and Owned B
y Renu Bala,Sushma d
eleted from Security
details

Existing Facility Ov
erdraft for Immovabl
e Fixed Assets with
Value ["9.85"] and A
ddress TILAK NAGAR B
Property address wri
ACK SIDE DAV
12 DELETED tten as per valuatio
COLLEGE
n report
GIDDERBAHA 151001 B
athinda Bathinda PUN
JAB India and Owned
By Sushma deleted fr
om Security details

27.Account Opening Calculator

Account Opening Calculator

Whether ICICI bank has/ is proposing CC/OD facilities Yes

Whether other bank has CC/OD facilities No

Existing - ICICI Bank Sanction Amount Exposure 17.90

Fresh/Enhancement of ICICI Bank TBE (in Mn) 0.00

Reduction of ICICI Bank TBE (in Mn) 12.90

Total ICICI Bank TBE(in Mn) 4.999999999999998

Total TBE of borrower other than ICICI Bank exposure (in Mn) 0.00

Of which, NBFC and Others Sanction Amount (in Mn) 0.00

______________________________________________________________________________________________
UNICORE--North and East 1-VARDHMAN TRADERS-10851419
28
 Adjusted basis Annexure I (in Mn) -

Overall TBE of borrower (Sanction Amount) (including ICICI Bank proposed exposure)(in Mn) 5.00

ICICI Bank Exposure vis-vis overall TBE 100.00%

Actionables Continue CA

28.Customer 360 Details

A. C360 for Borrowing Entity

I-Bank Non I-Bank

Particulars Product Type
Count Amt Mn Count Amt Mn

CA MAB (A) - - - -

Deposit Time MEB (B) - - - -

Total MIB (A+B) - - - -

Working Capital-
- - - -
FB

Working Capital-
- - - -
NFB

Term Loan - - - -

Business Loans - - - -

Property Loan - - - -

Gold Loan - - - -

Loan against
- - - -
Securities/FD
Retail Assets
Credit Cards
- - - -
(Corporate)

Auto Loan - - - -

Commercial Vehicle - - - -

Commercial
- - - -
Equipment

Medical Equipment - - - -

Infrastructure
- - - -
Finance

Other Loans - - - -

Trade Fee - - - -
Banking Fee
Retail Forex Fee - - - -

Accounting
Software( ERP) - - - -
Name

ERP - Plugin / API /

PCS - - - -
CB

Payments: Bizpay
- - - -
360 / I pay

Collection E - - - -

______________________________________________________________________________________________
UNICORE--North and East 1-VARDHMAN TRADERS-10851419
29
 Collections /
Payment Links

Payment Gateway /
- - - -
EazyPay

POS / QR /
Merchant Solution Churning through - - - -
us

Demat / M52 - - - -

Mutual Funds - - - -

GI (GHI / Fire /
Investments Marine / KMP /
- - - -
Burglary / Building,
P&M)

OTHERS - - - -

Monthly GST
- - - -
Payment

Direct Taxes
- - - -
Payment
Digital Activation
Customs Duty
- - - -
Payment

CIB / TOL Fx / Fx
- - - -
Online / InstaBiz

Vendor Finance - - - -

Dealer Finance - - - -
SCF Ecosystem
Factoring / Reverse
- - - -
Factoring

B. C360 for PODS/ BO

I-Bank Non I-Bank

Particulars Product Type
Count Amt Mn Count Amt Mn

SA / CA MAB (A) - - - -

PODS / BO1 Time MEB (B) - - - -

Total MIB (A + B) - - - -

SA / CA MAB (A) - - - -

PODS / BO2 Time MEB (B) - - - -

Total MIB (A + B) - - - -

SA / CA MAB (A) - - - -

PODS / BO3 Time MEB (B) - - - -

Total MIB (A + B) - - - -

PODS / BO4 SA / CA MAB (A) - - - -

Time MEB (B) - - - -

______________________________________________________________________________________________
UNICORE--North and East 1-VARDHMAN TRADERS-10851419
30
 Total MIB (A + B) - - - -

Working Capital - FB - - - -

Working Capital - NFB - - - -

Business Loans - - - -

Loan against
- - - -
Securities/FD

Home Loan - - - -

Property Loan - - - -

Auto Loan - - - -
Retail Assets
Personal Loan - - - -

Education Loan - - - -

Gold Loan - - - -

Commercial Vehicle
- - - -
Loan

Commercial Equipment - - - -

Credit Cards - - - -

Other Loans - - - -

Demat / M52 - - - -

Mutual Funds - - - -

Investments(for all Retail forex - - - -

PODS)
LI (Term Insurance of
- - - -
BO / KMP)

Others - - - -

Family Banking: Linking

Consolidation(for of all Accounts in One - - - -
all PODS) Group

Setting up Family Office - - - -

C. C360 for Group / Sister Entity Banking

I-Bank Non I-Bank

Particulars Product Type
Count Amt Mn Count Amt Mn

CA MAB (A) - - - -

Deposit Time MEB (B) - - - -

Total MIB (A+B) - - - -

Retail Assets Working Capital-

- - - -
FB

Working Capital-
- - - -
NFB

Term Loan - - - -

Business Loans - - - -

Property Loan - - - -

______________________________________________________________________________________________
UNICORE--North and East 1-VARDHMAN TRADERS-10851419
31
 Gold Loan - - - -

Loan against
- - - -
Securities/FD

Credit Cards
- - - -
(Corporate)

Auto Loan - - - -

Commercial Vehicle - - - -

Commercial
- - - -
Equipment

Medical Equipment - - - -

Infrastructure
- - - -
Finance

Other Loans - - - -

Trade Fee - - - -
Banking Fee
Retail Forex Fee - - - -

Accounting
Software( ERP) - - - -
Name

ERP–Plugin / API /
- - - -
CB

Payments: Bizpay
PCS - - - -
360 / I pay

Collection E
Collections / - - - -
Payment Links

Payment Gateway /
- - - -
EazyPay

POS / QR /
Merchant Solution Churning through - - - -
us

Demat / M52 - - - -

Mutual Funds - - - -

GI (GHI / Fire /
Investments Marine / KMP /
- - - -
Burglary / Building,
P&M)

OTHERS - - - -

Monthly GST
- - - -
Payment

Direct Taxes
- - - -
Payment
Digital Activation
Customs Duty
- - - -
Payment

CIB / TOL Fx / Fx
- - - -
Online / InstaBiz

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 SCF Ecosystem Vendor Finance - - - -

Dealer Finance - - - -

Factoring / Reverse
- - - -
Factoring

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UNICORE--North and East 1-VARDHMAN TRADERS-10851419
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