Name of the company

Facility/ies Exposure Proposed - Rs. in lacs Total CAM Exposure

[Excluding DRUL, 100% liquid security (including Proposed - Rs. in 2860
SBLC) backed exposures] lacs
Total Term Loan
Total Business Property Value Rs. In lacs - To be
Exposure Proposed - 0
consider for the PMB
Rs. in lacs
Months (financial year) 12 12
P&L Sheet (All figures in Rs. lacs) 31/03/2026 % sales 31/03/2025
Sales
Other Income
Total Income 0.0 0.00 0.0
Total Expenses 0.0 #DIV/0! 0.0
PBDIT 0.0 #DIV/0! 0.0
Interest #DIV/0!
Depreciation #DIV/0!
PBT 0.0 #DIV/0! 0.0
Tax #DIV/0!
PAT #DIV/0!
Cash Profits 0.0 0.0

Liabilities 12 Month 2860

Equity Share Capital
Reserves (excluding revaluation reserves)
Tangible Networth 0.0 0.0
Short Term Debt
Long Term Debt
Unsecured loans from promoters
Total Debt 0.0 0.0
Current Liabilities (CL)
Provisions
Total Liabilities 0.000 0.000

Assets 0 Excl Exposure

Net Fixed Assets
Investments
Loans & Advances
Sundry Debtors
Inventories
Cash & Bank balances
Other Current Assets
Total Current Assets 0.0 0.0
Total Assets 0.000 0.000

Debt Repayment during the year 0 0

Current funde based WC (part of CL)
Financial Ratios
Gross Margin (PBDIT/TI) 0.0% 0.0%
Net Margin (PAT / TI) 0.0% 0.0%
Cash Profit Margin (Cash Profits/TI) 0.0% 0.0%
ROCE 0.0% 0.0%
Current Ratio 100.00 100.00
Interest Coverage 100.00 0.00
DSCR 0.00 0.00
Debt / Equity Ratio 0.00 0.00
TOL / Tangible Networth 0.00 0.00
TOL/(Tangible NW+ Loans from promo.) 100.00 100.00
Current Assets / Sales 0% 0%
Total Assets / Sales 0% 0%
Debtor Days 0 0
Inventory Days cost of sales 0 0
Creditors days as cost of sales 0 0
Working Capital Gap 0 0
Promoters contribution of WC Gap 0 0
Promoters contribution of WC Gap (%) 0% 0%
Investment in group companies
Investment in group cos./NW 0% 0%
Tangible networth / Facility value 0% 0%
(TNW + USL from Prom.) / Facility value 0% 0%
Raw Material Costs / Traded Goods purchases
RM Costs / Sales 0% 0%
Employee costs
Employee Costs / Sales 0.0% 0.0%
Sales & Advtg/Marketing Expenses
Mktg Expenses / Sales 0.0% 0.0%
Remuneration to directors/partners
Remuneration to partners/ Sales 0.0% 0.0%
Promoters contribution of CA (%) 0% 0%
Latest Financials Projected Provisional
Years in Business 5
Family in business 2nd generation
Competitive advantage Strong
Dependence on Government policies High
Nature of Products / Services Mature
Promoter reputation / Integrity Mixed
Promoter involevement in business High
Audit Qualification No qualification
Dependence on customers - Max. Share of any
customer in applicant's sales 5-10%
Impact of technology change Medium Biz prop in biz considered for addition
PMB/Facility Amount 0.0 0 0.0
TNW / Sales #DIV/0!
Banking Behaviour Trends
Churn >= 75% >= 75%
Overdrawings / TOD No overdrawings
Repayment Track Prompt
Cheque Returns No cheque bounces
Overall Account Conduct Good For GOOD, Max 3 I/w Cheque bounces / Quarter AND EMIs regular
AND Max TOD = 10 Days / 6 months AND churn adequate
Financial Trends Avg. Prev. 2 yrs. 31/03/2026 31/03/2025
TOL / TNW 0.00 0.00 0.00
Current Ratio 100.00 100.00 100.00
Net Profits 0.00 0.00 0.00
Sales Growth 0.00 0.0 0.0
Inventory Days 0 0 0
TNW + Un Sec Loans from Promoter 0 0 0
Prom. Cont to WC / Current Assets #DIV/0! 0%
CC+LC+BG Limits upon prev. yr sales #DIV/0!
Score 54
Internal Grading 6

Promoter
involevement in
Latest Financials Family in business business Dependence on custome
Audited 1st generation High Upto 5 %
Provisional 2nd generation Multiple businesses 5-10%
3rd generation Side activity 10-20%
Above 20%
 12
% sales 31/02/2024 % sales

0.00 0.0 #DIV/0!

#DIV/0! 0.0 0.0%
#DIV/0! 0.0 0.0%
#DIV/0! 0.0%
#DIV/0! 0.0%
#DIV/0! 0.0 0.0%
#DIV/0! 0.0%
#DIV/0! 0.0%
0.0

Month 0

0.0

0.0

0.000

Excl Exposure

0.0
0.000

0.0%
0.0%
0.0%
0.0%
100.00
0.00
0.00
 0.00
0.00
100.00
0%
0%
0
0
0
0
0
0%

0%
0%
0%

0%

0.0%

0.0%

0.0%
0%
Audited

>= 75%

ounces / Quarter AND EMIs regular

onths AND churn adequate
31/02/2024
0.00
100.00
0.00
0.0
0
0
0%
Dependence on Gov
Impact of technol Audit QualOverdrawinRepayment Track Churn Overall A Competit
High High No qualifi No overdra Prompt >= 75% Good Strong
Medium Medium Low implic Ocassional <= 30 days >= 60% Average Sustainab
Low Low Material ImUsually ove > 30 days >=50% Poor Losing gr
<=50%
 No overdrawings
Ocassional overdrawings
Usually overdrawn
Mature
1st generation
2nd generation
3rd generation

Strong
Sustainable
Losing ground

Audited
Provisional

High
Medium
Low

1
1
1
1
1
1
1

0
1

1
1
1
0
1

#REF!
 0

Nature ofPromoter rGrading

Mature Excellent (4)
Growth Good (5-)
Decline Mixed (5)
(5+)
(6)
(7)
A116:

L36: A116:
P&L Sheet (All figures in Rs. lacs) 31/03/2026 31/03/2025 31/02/2024
Total Income 0.0 0.0 0.0

PBDIT 0.0 0.0 0.0

Interest 0.0 0.0 0.0

Depreciation 0.0 0.0 0.0
PBT 0.0 0.0 0.0
Tax 0.0 0.0 0.0
PAT 0.0 0.0 0.0
Cash Profits 0.0 0.0 0.0
Liabilities
Tangible Networth 0.0 0.0 0.0
Short Term Debt 0.0 0.0 0.0
Long Term Debt 0.0 0.0 0.0
Unsecured loans from promoters 0.0 0.0 0.0
Total Debt 0.0 0.0 0.0
Current Liabilities & Provisions 0.0 0.0 0.0
Total Liabilities 0.0 0.0 0.0
Assets
Net Fixed Assets 0.0 0.0 0.0
Investments 0.0 0.0 0.0
Loans & Advances 0.0 0.0 0.0
Sundry Debtors 0.0 0.0 0.0
Inventories 0.0 0.0 0.0
Other Current Assets 0.0 0.0 0.0
Total Current Assets 0.0 0.0 0.0
Total Assets 0.0 0.0 0.0
Financial Ratios
Gross Margin (PBDIT/TI) 0.0% 0.0% 0.0%
Net Margin (PAT / TI) 0.0% 0.0% 0.0%
Current Ratio 100.00 100.00 100.00
Interest Coverage 100.00 0.00 0.00
DSCR 0.00 0.00 0.00
Debt / Equity Ratio 0.00 0.00 0.00
Leverage (TOL / Tangible Networth) 0.00 0.00 0.00
TOL (excl Unsec loans) / Tangible NW 100.00 100.00 100.00
Current Assets / Sales 0% 0% 0%
Debtor Days 0 0 0
Inventory Days cost of sales 0 0 0
Creditors days as cost of sales 0 0 0
 Borrower grading criteria for customer exposures upto Rs. 200 Lacs

Grade A Grade B Grade C Grade D

Criteria: (4 marks) (2 marks) (1 mark) (Nil Details Details 54 52
Management marks) 31/03/20 31/03/20
A 26 25 31/03/202 31/03/2025
Years in business >=15 years >=10 years >=5 years < 5 years

1 5 5 1 1
Family in business 3rd 2nd generation 1st generation - 2nd 2nd
generation generatio generatio
2 n n 2 2
Promoter involvement & High Multiple No -
competence involvement businesses, less experience, is
& personalised a side activity
3 competence attn High High 4 4
B Business Criteria
Dependence on customers - Max. Upto 5 % 5-10% 10-20% Above
Share of any customer in applicant's 20%
1 sales 5-10% 5-10% 2 2
2 Dependence on govt. policies Low Medium High - High High 1 1
3 Impact of technology change Low Medium High - Medium Medium 2 2
C Financials
1 PMB/Facility Amount >2 >=1.5 >=1 <1 0.00 0.00 0 0
Ability to raise funds from internal >= 50% of >= 25% of >= 10% of < 10% of
sources (TNW + (TNW + USL) (TNW + USL) (TNW +
USL) of of previous year of previous USL) of
previous year previous
2 year year 0% 0% 0 0
3 Current Ratio >=1.5 >=1.33 >=1 <1 100.00 100.00 4 4
4 ISCR >=4.0 >=3 >=2 <2 100.00 0.00 4 0
5 Net Profit Margin
- For Manufacturing >=7.5% >=2.5% >=1.0% <1.0% 0% 0% 0 0
- For Retail / Distributors / Services >=5.0% >=2.0% >=0.5% <0.5%
0% 0% 0 0
6 Current Assets / Sales <= 25% <=40% <=75% >75% 0.0% 0.0% 4 4
7 Debtor Days (Days sales)
- For manufacturers <=60 days <=90 days <=120 days > 120 days - - 0 0
- For retail / distributors/ services <=30 days <=60 days <=90 days > 90 days 0 0 4 4
8 Inventory Days (Days cost of sales)
- For manufacturers / dealers/ <=60 days <=90 days <=120 days > 120 days
distributors / services - - 0 0
- For retail <= 90 days <=120 days <=180 days > 180 days 0 0 4 4
Auditor Qualification No Low Material - No No
qualification implication Implication qualificat qualificat
9 ion ion 4 4
TOL (Excl. Unsec loans from <=1.5 <=2.0 <=3.0 > 3.0
Prom.)/(Tangible Networth + Unsec.
10 Loans from promoters) 100.00 100.00 0 0
D Financial Trends
Sales turnover >=110% of >=90% of last 60-90% of last < 60% of
last 2 years 2 years average 2 years last 2 years
1 average average average 0% 0% 0 0
Net profits >=110% of >=90% of last 60-90% of last < 60% of
last 2 years 2 years average 2 years last 2 years
2 average average average 0% 0% 0 0
Net worth + Unsec loans from >=125% of >=110% of last >=100% of < 100% of
promoters last 2 years 2 years average last 2 years last 2 years
3 average average average 0% 0% 0 0
Total Outside Liabilities / Tangible <=90% of <=110% of last 110-150% of > 150% of
Networth last 2 years 2 years average last 2 years last 2 years
4 average average average 1000% 100% 0 2
Current ratio >=110% of >=90% of last 60-90% of last < 60% of
last 2 years 2 years average 2 years last 2 years
5 average average average 100% 100% 2 2
E Banking Behaviour
Overdrawing / TOD No Occasional Usually - No No
overdrawing Overdrawing Overdrawn overdraw overdraw
1 ings ings 4 4
2 Repayment Track Record Prompt <=30 days > 30 days - Prompt Prompt 4 4
Cheque Returns No cheque Outward Inward - No No
bounces Cheques Cheques cheque cheque
3 bounces bounces 4 4
4 Churn >= 75% >= 60% >=50% <=50% >= 75% >= 75% 4 4

Score 54 Rating 6