Personal Discussion Report
To,
Date 16 Nov, 2024 11:02
AUXILO FINSERVE PRIVATE LIMITED,
Case No 100619086464
Status of PD Not Recommended
Dear Sir/Madam,
Sub: PD Report of Nithin Kumar Aitha/Aitha Ravinder Reddy
Please refer to your instructions on the captioned matter. In this connection, we submit our report as
under:
SUMMARY
INFORMATION
Date of Visit 15 Nov, 2024 Venue Type Residence
Name of Applicant Nithin Kumar Aitha/Aitha Ravinder Reddy
Co-borrower Name Mr.Aitha Ravinder Reddy
Address of the 2-33/1, khajipalli, Burugupalle, Naseerabad , Jaipur, ADILABAD TELANGANA
meeting 504204
Person to whom the Mr.Satishkumar
service provider met
KYC Verified Document Category Document Name Document Type Remarks
verified and found
KYC Documents AADHAAR Card Original
correct
ATRPA2191A Date Of
KYC Documents PAN Card Original
Birth: 25/03/1975
Met by (Service Satish kumar Vanaparthi
Provider)
Applicant Qualification B.Tech In Mechanical Engineering.
Loan Amount Applied 0
Name of the University University of Delauuare
applied for
Course Applied Master In Robotics Engineering
Country USA
Business firm name Rice mill
Is it Prop./ Partnership Proprietorship Concern
/ Pvt Ltd / Ltd
Details of Partners / Relation with Coming into Functional of
Name of the % of
Main Designation Loan Partner /
Directors Shareholder
Applicant
Shareholding
Structure Director
Not Provided Not Provided Not Provided 0 No Not Provided
Sharing Pattern 0%
Business Proof details Document Category Document Name Document Type Remarks
(like S & E / GST verified and found
Other Documents Electricity Bills Original
correct
Certificate / Electricity AY 2024-25 By Gross
Receipts of
Bills) Income & Expense Rs.7,68,000/- To
ITRs Scan Image
Records Netprofit of
Rs.2,30,400/- Date of
Filling: 29-Julyi-2024.
SBI Bank Statement
Income & Expense
Bank Statements Scan Image Period From 01 May
Records
2024 To 05 Nov 2024.
He Did shown
Agriculture Income
Certificate To His
Spouse Application
Income & Expense No.AIC022400306634
Other Scan Image
Records with Total come oF Rs
148020/- per Annum
Date of Issue
:22/02/2024.
AY 2023-24 By Gross
Receipts of
Income & Expense Rs.7,12,000/- To
ITRs Scan Image
Records Netprofit of
Rs.2,13,600/- Date of
Filling: 31-Julyi-2023
Nature of Business Co-Applicant Engaged in The Business of Rice Mill
Brief Profile of Co-Applicant Engaged in The Business of Rice Mill. He Is Doing This Business For
Business 23 Years At Current location. Under His Business He Does Provided Service For
Farmers For Flourishing the Paddy Seeds. His Customers Are Come From
Surrounding location and He Receipts Transactions are 100% Cash with 7 Days
Credit Period. His Supplier Are From Mancherial and He Payments Transactions
are 100% Cash Without Any Credit Period.
Note : The Co-Applicant Not Provided Properly Information About His Business.
Vintage of Business Since 2002
Appr. Margin in the 30%
business
Inventory item details Stocks Valuation of Rs.50,000/- Approx. And Machine Valuation of Rs.10 Lakhs
with estimated value Approx.
Annual Turnover Rs.3 lakhs To Rs.5 lakhs Approx.
details
Number of branches / 0
offices with details
Business Cycle – How 7 Days
many days credit
allowed to Debtors
Business Cycle – How No Credit
many days credit
allowed by Creditors
Prominent Customers No of Fixed Customers : 50
(Name, location) Debtors Cash Cheque Proportion : 100% Cash
Name Contact Details Location Ref. Check
Mr.Bandi saraiah Not Provided Surrounding location Positive
Mr.Thedu srinu Not Provided Surrounding location Positive
Supplier Name (Name, No of Fixed Suppliers :3
Location) Creditors Cash Cheque Proportion : 100% Cash
Name Contact Details Location Ref. Check
Not Provided Not Provided Not Provided Positive
Details of Office / He Operating The Business From Own Premises located at 1-202/1AA
Factory infrastructure khajipalli, Burugupalle, Naseerabad , Jaipur, ADILABAD TELANGANA 504204
Having an Area of 7 Guntas and This Property Name on Applicant Father and
Present Market value of Rs.50 lakhs To Rs.70 Lakhs Approx.
Number of Staffs Salary per Wages per
No. of Status of No. of Status of
month per month / per
Employees Employee Labours Labour
Employee day
Not Provided Not Provided Fixed Not Provided Not Applicable Fixed
Working Hours: Business Time: 07.00AM To 07.00PM Without weekly off.
PF / ESIC details if Not Provided
applicable
Is office premise on Owned
rented / owned
Family Background Relation Income per
Age
Name with Qualification Occupation month Dependent
(Yrs)
Applicant (approx.)
Mr.Aitha
Father 49 12th Pass Business 15000 Independent
Ravinder Reddy
Mrs.Aitha Not
Mother 42 12th Pass None Dependent
Rajani Provided
Miss.Aitha Not
Daughter 23 Graduate Studying Dependent
Niveditha Provided
Asset details with Co-Applicant Owned Asset
market value Market
Purchase
Area (in sq. Purchase Value Owner
Address Cost (in Mortgaged
ft) Year (in Name
Lakhs)
Lakhs)
2-33/1, khajipalli,
Burugupalle, 3 Guntas
Not Not Applicant
Naseerabad , Jaipur, (Residential 40 No
Provided Provided Father
ADILABAD House )
TELANGANA 504204
khajipalli, village 2 Acres
Not Not Applicant
Mancherial,ADILABAD Agriculture 100 No
Provided Provided Mother
TELANGANA 504204 land
Nithin
10 Acres Kumar
Pokkur Village , Not Not
Agriculture 200 Aitha/Aitha No
Mancherial District Provided Provided
land Ravinder
Reddy
Any Liquid, Moveable & Monetary items such as
Cash, Gold, FD, RD, Mutual Fund Holdings, Not Provided
Shares, Bonds, Securities -
Life Insurance, Mediclaim, Property/Asset
Rs.20,000/- Per Annum
Insurance (Premium & Sum Assured) -
Capital invested in any business, Loans &
Not Provided
Advances given -
Car, Bike and any other vehicle (Company Name
1 Bike
and Model) -
Note: Above mentioned amounts are approx.
Details of Collateral / Noncollateral
Property to be
mortgaged, if any
Income Tax Returns ITR of Applicant
Details Assessment Year Total Gross Income Filing Date
Not Provided Not Provided Not Provided
Not Provided Not Provided Not Provided
ITR of Co-Applicant
Assessment Year Total Gross Income Filing Date
2023-24 499430 31-07-2023
2024-25 539660 29-07-2024
Banking Details and Bank Account of Co-Applicant
Limit, OD and CC Limit Bank Branch Type CC/OD Limit Remarks
with bank Bhimaram,
SBI Bank Savings A/C Not Applicable Not Applicable
Mancherial
Bank Account of Applicant
Bank Branch Type CC/OD Limit Remarks
HDFC Bank Mancherial Savings A/C Not Provided Not Provided
EXISTING LOANS / LIABILITIES
Sanctioned Month on Secured
Name of Type of O/S Balance Tenure EMI Paid
Amount (in EMI (in Rs.) Books Against
Bank / NBFC Loan (in Lakhs) (months) Bank
Lakhs) (MOB) which Asset
Not Not Not Not Not Not Not Not Not
Provided Provided Provided Provided Provided Provided Provided Provided Provided
Note: Above mentioned amounts are approx.
Cost Analysis Sheet of Education Loan
Sr. No. Particulars Amount (in Rs.)
Total Cost of education (including visa, boarding, and loading
1 Rs 73 lakhs
expense, college fees)
2 Less: Owned Fund Used with their source Not Provided
Net amount to be taken from outsource funds (unsecured loans
3 Not Provided
from relative / banks etc)
4 Loan applied with Auxilo Rs.40 lakhs
Monthly Income Assessment of Customer
Particulars Co-Applicant Co-Applicant (2) Co-Applicant (3)
Business Monthly
Sales / Gross Receipts 0.00 0.00 0.00
Total Income (A) 0.00 0.00 0.00
Purchases 0.00 0.00 0.00
Electricity Expenses 0.00 0.00 0.00
Employee Salary 0.00 0.00 0.00
Rent 0.00 0.00 0.00
Other Expenses 000.00 0.00 0.00
Total Expenses (B) 000.00 0.00 0.00
Net Profit per month
000.00 0.00 0.00
(A-B)
Less: Household
000.00 0.00 0.00
Expenses (50% of NP)
Less: Present EMI 0.00 0.00 0.00
Net Disposal Income 000.00 0.00 0.00
Affordable EMI as per Rs.60,000/-
Customer
Affordable EMI as per 0.00
our Executive
Major Observations / Applicant Details:
comments / concerns Mr. Aitha Ravinder Reddy Age 21 Years He Completed B. Tech In Mechanical
during PD Engineering.
Observations:
Comforts:
• He Did Shown Original KYC Documents like Aadhar card, Pan card
During The Visit.
• He Did Shown Latest Electrical Bill During The Visit.
• We Observed Few Stocks Was seen During The Visit.
• We Observed Business Related Machineries Was seen During The
Visit.
• He Did Shown Agriculture Income Certificate to His Spouse with
• He Did Shown Business Premises House Property Tax Bill During The
Visit.
• He Did Shown One Business Property Tax Bill During The Visit.
Discomforts:
• No Business Setup and Customers Activity Was Seen During The Visit.
• No Business Name Board Was Seen During The Visit.
• He Didn't Shown Business Licence During The Visit.
• He Didn't Shown Business Related Purchase and Sales Bills During The
Visit.
• He Did Not Provided Proper Information about His Business.
• TPC Was Not Confirmed About Co-Applicant and His Business.
• Note : The Business Belongs to Another Person. But the co-applicant is
saying that the business is mine
• Note : The Business Premises very Difficult To Find.
• Note : Co-Applicant Has 2 Crop loans in SBI and Deccan Grameena
Bank
• the SBI Bank Has Been Given With Amount Of Rs.87000/- & Deccan
Grameena Bank Has Been Given of Rs.160000/-of Sanction Amounts.
Site Coordinates: Latitude: 18.9212475, Longitude: 79.645049
Overall Remarks Not Recommended
Photographs:
Disclaimer:
This report (including any attachments) has been prepared on the basis of information provided by the
person contacted. Auxilo Finserve Pvt Ltd will be solely responsible for any actions taken on this report and
any liabilities directly or indirectly accruing from such actions. Veeraraghavan & Co. will not be held liable in
any case.
