S. No.

Documents

1.

Loan application Form (In prescribed format)

Documents as per details mentioned in loan application format:

• Address Proof of promoters, concern & guarantors (Copy of Aadhar Card/Passport etc.)

• PAN Card of concern/group concerns/promoters/guarantors

• Category, wherever applicable

• Partnership Declaration (In case of Partnership)

  Article & Memorandum of Association/Board Resolution/ incorporation/ Commencement certificate (In case of company)

  Trust Deed in case of Trust etc as per constitution

  (Whichever is applicable)

• Registration Certificate/s/ IE code, wherever applicable/Licenses/Statutory approvals

• Sanction Advice of other banks (In case of multiple/Consortium Banking Arrangement/ takeover)

• Insurance policy of Primary & Collateral Security

• IT returns with acknowledgements/ computation sheet of Concern/ Sister concerns/promoters/ guarantors and Assets & liability statement thereof

• Copies of properties related documents offered as security

• Brief Note:
  • Background of promoters/Concern
  • Change in shareholding pattern, pledge/encumbrance of shares, wherever applicable
  • Exposure details from Banking system (Existing, if any/proposed)
  • Updated status of payment of statutory dues.

2.

• Credit Information Form of Concern/ promoters/guarantors along with reason for variation from last means, if any.

3.

• CMA data with projections

Break-up of following financials should be submitted:

• Aging of debtors i.e. receivables over six months & below

• Export/domestic sales

• Import/domestic purchase

• Loans and advances including to sister/subsidiary concerns or promoters

• Unsecured loans (w/w quasi-equity/relation/interest paying or not)

• Non-current assets

4.

Financials:

• Audited balance sheet of last three years, wherever applicable along with audit report, notes on account and annexure of the concern.

• Latest Audited balance sheet along with audit report, notes on account and annexure of the Sister Concern/s.

• Provisional balance sheet of the concern (Wherever, audited balance sheet of immediately preceding year is not available)

• Month-wise sales-purchase of previous year and current year

• Comments on financial projections including sales (Domestic/Export), profit margins, induction of additional funds, creation of fresh assets.

• Original Value of Plant & machinery, in case not available in the latest balance sheet

5.

• GST returns of previous year and current year, wherever applicable (monthly / quarterly)

• Last GST Assessment Order, wherever applicable

• Major customers/buyers

6.

Term Loan

• Project Report (To be covered under TEV report, wherever applicable) (Including background of project, financial projections upto tenor of loan & assumption thereof, Cost of project & means of finance, Details & cost of machinery, supplier of machinery, quotation/Performa invoice from suppliers, Source of promoters contribution, installed capacity calculation, estimates from architect, statutory/regulatory clearances and approvals, location, marketing arrangement, competition & raw material availability, drawdown schedule, repayment schedule, implementation schedule, project consultants & their background etc.)
• CA certificate on cost incurred on the project and means of finance
• Architect certificate on physical progress of the project, wherever applicable

7.

Bank Guarantee

• Details of existing/fresh BG requirement (Work order, Name of principle, date of allotment, Value of order, % completion, Guarantee issued/to be issued, due date & Expected date of completion, total receipts etc.)
• Nature of BG, Assessment of BG, Period of BG & Margin on BG

8.

Letter of Credit

• Pattern of purchase (Including name of major suppliers, LC beneficiaries)
• % of purchase under LC
• % of import & local purchase
• Duties and Octroi / GST
• Nature of LC, Usance period, Lead Time and Margin

9.

• Photocopies of lease deeds/ title deeds of all properties being offered as primary and collateral securities

10.

• Cash Budget projections, wherever applicable

11.

• CA certificate on induction of promoter contribution/margin, wherever applicable

12.

• Order Book Position/List of project (Executed/Under Implementation/Received/ Proposed), wherever applicable

13.

• Statement of Accounts of other banks, wherever applicable

14.

• Other documents, if any