Jayant Enterprises - 284BL0000837 - Indore

Business Loan - Verfied Income
Webtop No.
1
Application Date (mm/dd/yyyy)
Product Program
Channel
Channel Name
Region
Name of City
Name of the Applicant
Name of Co-Applicant
Relationship with Applicant
10
Co-Applicant details to be clubbed
11
DOB (mm/dd/yyyy)
12
Age
13
Educational Background
14
Marital Status
15
Industry
16
Industry Type-Growing/Negative/Caution
17
Negative Profile
18
Caution Profile
19
Priority sector lending
20
Risk
21
Business/Firm Name
22
Nature of Business
23
Office/Resi with in Geo limit/Out of geo limit
24
Ownership of Ofiice
25
Total no.of yrs.in the Current Business
26
No.of yrs.of Business from the Current Premises
27
Total no.of yrs in Business
28
Constitution
29
If Partner - Profit sharing Ratio
30
Ownership of residence of Co-Applicant

Total no of years in Current City
31
Total no of years at current Residence
32
Tele-Contact ability
a)
Type of connection at Residence
b)
Type of connection at Office
c)
Tele-verification -Residence
d)
Tele-verification -Office
33
a)
b)
Repayment Track Record details

Total no of live loans
Total no of unsecured loan taken in last 6 months
c)
x)
d)
Total no of live Unsecured loans

Total no of live secured loans
Is RTR provided?
e)
Financer Name
f)
Product Type
g)
Is Loan Live or Closed?
h)
If closed - Date of Closure (dd/mm/yyyy)
i)
If Live Seasoning (in Months)
j)
Loan Amt
k)
No. of EMI Cheque Bounces for this loan(in Last 12 Months)
l)
No. of EMI Cheque Bounces for this loan(in Last 3 Months)
34
Banking
a)
Bank Name & A/c No.
b)
Account Type
c)
No of times CC/OD Over limit in last 6 months
d)
Utilisation of OD/CC limit
e)
Aging of Account (in Months)
f)
OD/CC Limit
g)
Average Monthly Credit

Total Credits during Month - MAY 2015
Total Credits during Month - JUN 2015
Total Credits during Month - JUL 2015
Total Credits during Month - AUG 2015
Total Credits during Month - SEP 2015
Total Credits during Month - OCT 2015
Total Credit of 6 months
i)
Total No. of Cheque issued
Total No.of inward Cheque bounces (in last 6 months)

Total No.of outward Cheque bounces (in last 6 months)
Total no of credits in last 6 months
35
PDC/ECS Details
B1
a) Bank Name
b) Branch Name
c) Account Type
d) Account No.
B2
a) Bank Name
b) Branch Name
c) Account Type
d) Account No.
36
Loan Amount Applied for
37
Eligible Loan Amount
38
Approved Loan Amount
39
Purpose of Loan
40
Requested Tenor (in Months)
41
ROI
42
PF
43
IRR
44
EMI
45
i)
Verifications
CPV Vendor Name
a) Residence FI
b) Office FI
c) Office PD
d) FI DEDUPE
e) Consumer CIBIL
Consumer CIBIL New scorecard
f) External DEDUPE
g) Internal DEDUPE
ii)
RCU Vendor Name

h) RCU
i) Trade referance 1
j) Trade referance 2
k) Commercial CIBIL
l) KYC Compliance
m) RBI Data Base - As per Cibil Site
Buyer Concentration
Provisional Financials Till March'2010 with CA attestation
Colletral Secuirity if Loan Amount > 50 Lacs
Proof of End Use if Loan Amount is >35 Lacs
46
Industry / Sector
47
Current Rating Agency:
48
Date of Reported Rating (Current) (mm/dd/yyyy)
49
Current Rating
50
Previous Rating Agency:
51
Date of Reported Rating (Previous) (mm/dd/yyyy)
52
Previous Rating
53
Rating Movement
Sector
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
Rating Agency:
CARE
CRISIL
FITCH
ICRA
Rating Movement:
Upgrade
Downgrade
Re-Affirmed
an - Verfied Income
284BL0000837
28/10/2015
Verified income program
DSA
addi trademartWest
INDORE
JAYANT ENTERPRISES
JAYANTI GARG
proprietor
Yes
22/09/1958
686
57
Degree
722
details not provided
Married
Trading
Growing
Not in Negative Profile list
Not in Caution Profile List
Retail Traders
Loan Amt.
2 lacs to 20lacs
Low
JAYANT ENTERPRISES
Trading retailer
With in GEO Limit
Proprietorship
Landline
Landline
report awaited
report awaited
Additional Criteria
NA
Yes
RTR type - Sec/Unsec
BANK OF BARODA----18590200000504
ICICI BANK---024105002842
Current A/c
Current A/c
NIL
NIL
682980
1406400
1635400
992250
777600
1926493
893580
409214
472428
922124
214500
296300
10629269
5952781
126
64
217
130
BANK OF BARODA
INDORE
Current A/c
18590200000504,
ICICI BANK
INDORE
Current A/c
024105002842,
5000000
-11623850
0
Working Capital
36
19.50%
2.25%
19.50%
0
Katiyal & Associates
report awaited
report awaited
report awaited
report awaited
Positive
Positive
report awaited
Negative
A. B. Associates
report awaited
report awaited
report awaited
report awaited
Positive
Positive
<=50%
No
Others
Industry Sub Sector
Industry Type
Sr No
Agri Products
Automobiles
Broad line/ Multiline
Cement
Chemicals
Computers
Construction
Containers & Packaging
Durables
1
2
3
4
5
6
7
8
9
Industry/Sector
Agri Products
Agri Products
Agri Products
Agri Products
Agri Products
Agri Products
Agri Products
Agri Products
Agri Products
Energy
Entertainment & Leisure
Finance
FMCG
Food & Beverages
Food Processing
Food Products
Gen Indl Services
Hardware Equipment
Healthcare
Healthcare Providers
Household Products
Industrial equipment
Institutions & Trusts
Jewellery
Media
Metals
Mining
Non Store Retail
Others
Paints
Paper
Petroleum Products
Photographic & Allied
Plastics
Professional Services
Rubber
Services
Services - business
Services - Communication
Services - Transport
Software
Specialty
Textiles
Transport
Transportation Logistics
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
Agri Products
Agri Products
Automobiles
Automobiles
Automobiles
Automobiles
Automobiles
Automobiles
Automobiles
Automobiles
Cement
Chemicals
Chemicals
Chemicals
Chemicals
Chemicals
Chemicals
Chemicals
Chemicals
Chemicals
Chemicals
Chemicals
Chemicals
Chemicals
Computers
Computers
Computers
Computers
Construction
Construction
Construction
Construction
Containers & Packagi
Durables
Durables
Durables
Energy
Entertainment & Leisu
Finance
FMCG
Food & Beverages
Food & Beverages
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
Food & Beverages

Food Processing
Food Processing
Food Processing
Food Processing
Food Processing
Food Products
Food Products
Food Products
Food Products
Food Products
Food Products
Gen Indl Services
Hardware Equipment
Hardware Equipment
Healthcare
Healthcare
Household Products
Household Products
Household Products
Household Products
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
Jewellery
Media
Media
Media
Media
Media
Metals
Metals
Metals
Metals
Metals
Metals
Metals
Metals
Metals
Metals
Metals
Metals
Mining
Mining
Mining
Mining
Non Store Retail
Non Store Retail
Non Store Retail
Others
Others
Others
Others
Others
Paints
Paints
Paper
Petroleum Products
Petroleum Products
Plastics
Plastics
Plastics
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
Plastics
Plastics
Rubber
Services
Services - business
Services - Communica
Software
Software
Specialty
Specialty
Specialty
Specialty
Specialty
Specialty
Specialty
Specialty
Specialty
Specialty
Specialty
Textiles
Textiles
Textiles
Textiles
Textiles
Textiles
Textiles
Transport
Transportation Logisti
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
Agri Products
Agri Products
Agri Products
Agri Products
Agri Products
Agri Products
Agri Products
Agri Products
Agri Products
Agri Products
Agri Products
Automobiles
Automobiles
Automobiles
Automobiles
Automobiles
Automobiles
Automobiles
Automobiles
Cement
Chemicals
Chemicals
Chemicals
Chemicals
Chemicals
Chemicals
Chemicals
Chemicals
Chemicals
Chemicals
Chemicals
Chemicals
Chemicals
Computers
Computers
Computers
Computers
Construction
Construction
Construction
Construction
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254
255
256
257
258
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
Durables
Durables
Durables
Energy
Finance
FMCG
Food & Beverages
Food & Beverages
Food & Beverages
Food Processing
Food Processing
Food Processing
Food Processing
Food Processing
Food Products
Food Products
Food Products
Food Products
Food Products
Food Products
Gen Indl Services
Hardware Equipment
Hardware Equipment
Healthcare
Healthcare
Household Products
Household Products
Household Products
Household Products
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300
301
302
303
304
305
306
307
308
309
310
311
312
313
314
315
316
317
318
319
320
321
322
323
324
Jewellery
Media
Media
Media
Media
Media
Metals
Metals
Metals
Metals
Metals
Metals
Metals
Metals
Metals
Metals
Metals
Metals
Mining
Mining
Mining
Mining
Non Store Retail
Non Store Retail
Non Store Retail
Others
Others
Others
325
326
327
328
329
330
331
332
333
334
335
336
337
338
339
340
341
342
343
344
345
346
347
348
349
350
351
352
353
354
355
356
357
358
359
360
361
362
363
364
365
366
367
368
369
Others
Others
Paints
Paints
Paper
Petroleum Products
Petroleum Products
Plastics
Plastics
Plastics
Plastics
Plastics
Rubber
Services
Services - business
Software
Software
Specialty
Specialty
Specialty
Specialty
Specialty
Specialty
Specialty
Specialty
Specialty
Specialty
Specialty
Textiles
Textiles
370
371
372
373
374
375
376
377
378
379
380
381
382
383
384
385
386
387
388
389
390
391
392
393
394
395
396
397
398
399
400
401
402
403
404
405
406
407
408
409
410
411
412
413
414
Textiles
Textiles
Textiles
Textiles
Textiles
Transport
Agri Products
Agri Products
Agri Products
Agri Products
Agri Products
Agri Products
Agri Products
Agri Products
Agri Products
Agri Products
Agri Products
Automobiles
Automobiles
Automobiles
Automobiles
Automobiles
Automobiles
Automobiles
Automobiles
Cement
Chemicals
Chemicals
Chemicals
Chemicals
Chemicals
Chemicals
Chemicals
Chemicals
Chemicals
Chemicals
Chemicals
415
416
417
418
419
420
421
422
423
424
425
426
427
428
429
430
431
432
433
434
435
436
437
438
439
440
441
442
443
444
445
446
447
448
449
450
451
452
453
454
455
456
457
458
459
Chemicals
Chemicals
Computers
Computers
Computers
Computers
Construction
Construction
Construction
Construction
Durables
Durables
Durables
Energy
Finance
FMCG
Food & Beverages
Food & Beverages
Food & Beverages
Food Processing
Food Processing
Food Processing
Food Processing
Food Processing
Food Products
Food Products
Food Products
Food Products
Food Products
Food Products
Gen Indl Services
Hardware Equipment
Hardware Equipment
Healthcare
Healthcare
Household Products
Household Products
Household Products
460
461
462
463
464
465
466
467
468
469
470
471
472
473
474
475
476
477
478
479
480
481
482
483
484
485
486
487
488
489
490
491
492
493
494
495
496
497
498
499
500
501
502
503
504
Household Products
Jewellery
Media
Media
Media
Media
Media
Metals
Metals
Metals
Metals
Metals
Metals
Metals
Metals
Metals
Metals
Metals
505
506
507
508
509
510
511
512
513
514
515
516
517
518
519
520
521
522
523
524
525
526
527
528
529
530
531
532
533
534
535
536
537
538
539
540
541
542
543
544
545
546
547
548
549
Metals
Mining
Mining
Mining
Mining
Non Store Retail
Non Store Retail
Non Store Retail
Others
Others
Others
Others
Others
Paints
Paints
Paper
Petroleum Products
Petroleum Products
Plastics
Plastics
Plastics
Plastics
Plastics
Rubber
Services
Services - business
Software
Software
Specialty
Specialty
550
551
552
553
554
555
556
557
558
559
560
561
562
563
564
565
566
567
568
569
570
571
572
573
Specialty
Specialty
Specialty
Specialty
Specialty
Specialty
Specialty
Specialty
Specialty
Textiles
Textiles
Textiles
Textiles
Textiles
Textiles
Textiles
Transport
Transportation
Transportation
Transportation
Transportation
Transportation
Transportation
Transportation
Logisti
Logisti
Logisti
Logisti
Logisti
Logisti
Logisti
Cost of Equipment
Margin
#N/A
Sub Sector
Industry Type
Animal Products
Manufacturing
Coffee
Manufacturing
Edible Oils
Manufacturing
Fruit & nuts
Manufacturing
Groceries & Related PManufacturing
Poultry & Meat ProducManufacturing
Spices
Manufacturing
Starches
Manufacturing
Sugar
Manufacturing
Combo
Margin
Agri ProductsAn
6.80%
Agri ProductsCo
16.16%
Agri ProductsEdi
9.88%
Agri ProductsFru
9.68%
Agri ProductsGr
20.98%
Agri ProductsPo
7.05%
Agri ProductsSp
17.91%
Agri ProductsSt
9.08%
Agri ProductsSu
16.18%
Tobacco Products
Manufacturing
Vegetables, roots andManufacturing
2 & 3 Wheelers
Manufacturing
Auto Ancillaries
Manufacturing
Auto Design
Manufacturing
Cycle & Accessories Manufacturing
LCV's/ HCV's (CommerManufacturing
Passenger Cars
Manufacturing
Tractors
Manufacturing
Tyres
Manufacturing
General Merchandise Manufacturing
Cement products & asManufacturing
Alkali's
Manufacturing
Carbon black
Manufacturing
Caustic Soda
Manufacturing
Chemicals ( not defin Manufacturing
Dyes and Pigments Manufacturing
Fertilizers (all categorManufacturing
Industrial Gases
Manufacturing
Inorganic Chemicals Manufacturing
Organic Chemicals (NManufacturing
Pesticides
Manufacturing
Petrochemicals
Manufacturing
Polymers
Manufacturing
Refractories & interm Manufacturing
Computer - EducationManufacturing
Computer - Software Manufacturing
Computers & ElectronManufacturing
Computers & ElectroniManufacturing
Ceramic Tiles & Sani Manufacturing
Construction
Manufacturing
Construction Equipm Manufacturing
Construction MaterialManufacturing
Packaging
Manufacturing
Electrical Goods
Manufacturing
Hardware, Plumbing Manufacturing
Professional & CommeManufacturing
Refineries
Manufacturing
Hotels & Restaurants Manufacturing
Recreation & Amuse Manufacturing
Travel Services
Manufacturing
Professional Services Manufacturing
FMCG
Manufacturing
Beer, Wine & DistilledManufacturing
Packaged Food
Manufacturing
Agri ProductsTo
Agri ProductsVe
Automobiles2 &
AutomobilesAuto
AutomobilesAut NA
AutomobilesCycl
AutomobilesLCV'
AutomobilesPass
AutomobilesTrac
AutomobilesTyre
Broad line/ Mul NA
CementCement pr
ChemicalsAlkali
ChemicalsCarbon
ChemicalsCausti
ChemicalsChemic
ChemicalsDyes
ChemicalsFertili
ChemicalsIndust
ChemicalsInorga
ChemicalsOrgani
ChemicalsPestic
ChemicalsPetroc
ChemicalsPolym
ChemicalsRefrac
ComputersCompu
NA
ComputersCompu
NA
ComputersComput
ComputersComput
ConstructionCer
ConstructionCon
ConstructionCon
ConstructionCon
Containers & Pa
DurablesElectri
DurablesHardwa
DurablesProfess
EnergyRefinerie
Entertainment &NA
Entertainment &NA
Entertainment &NA
FinanceProfessi NA
FMCGFMCGManuf
Food & Beverage
Food & Beverag
6.83%
17.70%
11.14%
11.54%
7.73%
8.01%
5.46%
13.94%
8.08%
13.57%
18.01%
8.52%
6.00%
15.10%
11.87%
11.39%
17.99%
11.19%
12.35%
8.50%
11.09%
13.13%
10.11%
12.08%
10.08%
14.17%
13.60%
11.76%
13.35%
11.80%
8.80%
6.98%
12.63%
8.97%
11.23%
15.26%
6.49%
Soft Drinks
Manufacturing
Bakery
Manufacturing
Bottled Water
Manufacturing
Food & Beverages
Manufacturing
Food Processing
Manufacturing
Marine Products
Manufacturing
Cocoa products &
Manufacturing
Dairy
Manufacturing
Food & Beverages
Manufacturing
Food products (other Manufacturing
Marine foods
Manufacturing
Tea
Manufacturing
Industrial Services
Manufacturing
Networking
Manufacturing
Office Equipment
Manufacturing
Medical Equipment Manufacturing
Medical Supplies
Manufacturing
Diagnostic Centres Manufacturing
Drugs & Pharmaceutica
Manufacturing
Hospitals
Manufacturing
Detergents & IntermeManufacturing
Dry Cells
Manufacturing
Electronic Equipment Manufacturing
Personal Care
Manufacturing
Abrasives & Grinding Manufacturing
Bearings
Manufacturing
Compressors
Manufacturing
Electrical EquipmentsManufacturing
Electrodes Graphite Manufacturing
Engineering
Manufacturing
Engines
Manufacturing
Fasteners
Manufacturing
Industrial furnaces
Manufacturing
Industrial machinery- Manufacturing
Industrial machinery (Manufacturing
Machine Tools
Manufacturing
Material handling eq Manufacturing
Motors & generators Manufacturing
Prime movers
Manufacturing
Printing machinery Manufacturing
Pumps
Manufacturing
Storage Batteries
Manufacturing
Structures
Manufacturing
Switching apparatus Manufacturing
Textiles Machinery
Manufacturing
Food & Beverage

Food Processing
Food Processing
Food Processing
Food Processing
Food Processing
Food ProductsCo
Food ProductsDa
Food ProductsFoNA
Food ProductsFo
Food ProductsMaNA
Food ProductsTe
Gen Indl ServiceNA
Hardware Equip
Hardware Equip
HealthcareMedic
HealthcareMedic
Healthcare Prov NA
Healthcare Prov
Healthcare Prov NA
Household Produ
Household Produ
Household Produ
Household Produ
Industrial equi
Industrial equi
Industrial equi
Industrial equi
Industrial equi
Industrial equi
Industrial equi
Industrial equi
Industrial equip
Industrial equip
Industrial equip
Industrial equi
Industrial equi
Industrial equi
Industrial equi
Industrial equi
Industrial equi
Industrial equi
Industrial equi
Industrial equi
Industrial equi
6.22%
7.38%
12.50%
11.29%
12.88%
10.61%
11.96%
9.43%
8.00%
14.26%
12.50%
8.87%
14.43%
14.12%
19.65%
13.45%
10.01%
9.18%
19.56%
15.36%
13.90%
15.14%
19.08%
14.60%
10.50%
9.74%
8.44%
10.03%
13.47%
10.89%
13.79%
9.91%
7.95%
17.80%
14.92%
13.13%
10.44%
9.32%
8.90%
18.46%
Transformers
Manufacturing
Transmission Line To Manufacturing
Turnkey Services
Manufacturing
Valves
Manufacturing
Welding machinery Manufacturing
Coaching Classes
Manufacturing
Gems & Jewellery
Manufacturing
Advertising
Manufacturing
Broadcasting
Manufacturing
Cable & Other pay telManufacturing
Post Production & An Manufacturing
Publishing
Manufacturing
Aluminium & Alumini Manufacturing
Castings & forgings Manufacturing
Copper & copper prodManufacturing
Ferro alloys
Manufacturing
Ferrous metals
Manufacturing
Granite & other Non- Manufacturing
Non-ferrous metals Manufacturing
Pig iron
Manufacturing
Steel (manufacturing Manufacturing
Steel tubes & pipes Manufacturing
Steel wires
Manufacturing
Wires and Cables
Manufacturing
Coal and Lignite
Manufacturing
Crude Oil and naturalManufacturing
Minerals
Manufacturing
Non-ferrous metals Manufacturing
Automatic Mortising Manufacturing
Catalogue & Mail-ord Manufacturing
Direct Selling
Manufacturing
Commission agents Manufacturing
Glass & Glass ProductManufacturing
Industries not classifi Manufacturing
Other general purposManufacturing
Wholesale traders re Manufacturing
Paints & Varnishes
Manufacturing
Paints Equipment
Manufacturing
Paper & Paper ProducManufacturing
Petroleum Products Manufacturing
Retail Sale of AutomoManufacturing
Photographic & AlliedManufacturing
Plastic Films
Manufacturing
Plastic packaging go Manufacturing
Plastic resins
Manufacturing
Industrial equi
Industrial equi
Industrial equi NA
Industrial equi
Industrial equi
Institutions & T NA
JewelleryGems &
MediaAdvertisin NA
MediaBroadcast NA
MediaCable & OtNA
MediaPost ProduNA
MediaPublishingNA
MetalsAluminiu
MetalsCastings
MetalsCopper &
MetalsFerro all
MetalsFerrous m
MetalsGranite &
MetalsNon-ferro
MetalsPig ironM
MetalsSteel (ma
MetalsSteel tub
MetalsSteel wir
MetalsWires and
MiningCoal and
MiningCrude Oil
MiningMineralsM
MiningNon-ferro
Non Store Retai NA
Non Store Retai NA
Non Store Retail NA
OthersCommissiNA
OthersGlass & G
OthersIndustries
OthersOther gen
OthersWholesaleNA
PaintsPaints &
PaintsPaints Eq
PaperPaper & Pa
Petroleum Produ
Petroleum ProduNA
Photographic &
PlasticsPlastic
PlasticsPlastic
PlasticsPlastic
13.21%
11.06%
9.70%
14.39%
6.18%
12.80%
9.71%
7.13%
7.51%
13.90%
19.85%
12.35%
3.88%
12.66%
9.52%
10.35%
9.97%
8.06%
19.01%
19.03%
14.99%
9.88%
8.40%
17.08%
12.50%
21.00%
8.55%
15.08%
11.41%
13.27%
10.88%
8.50%
Plastic tubes & sheetsManufacturing

Thermoplastics
Manufacturing
Consultants
Manufacturing
Education Consulting Manufacturing
Entertainment & mediManufacturing
Executive Search
Manufacturing
IT Consulting
Manufacturing
Legal Services (solicitManufacturing
Motion Picture productManufacturing
Professionals
Manufacturing
Public Relations
Manufacturing
Technical consultancyManufacturing
Rubber & rubber prodManufacturing
Diversified
Manufacturing
HR & A/Medical
Manufacturing
Internet Services
Manufacturing
Other communicationManufacturing
s
Tele communication sManufacturing
Water transport
Manufacturing
ERP & Computer Soft Manufacturing
ITES/ Call Centres
Manufacturing
Hobby, Toy, Game, CaManufacturing
Books, Office Supplie Manufacturing
Contraceptives
Manufacturing
Home Furniture & Fur Manufacturing
Leather Footwear
Manufacturing
Luggage & Leather G Manufacturing
Opticians
Manufacturing
Other Leather producManufacturing
Pens and Pencils
Manufacturing
Sports Goods
Manufacturing
Wood & Wood ProductManufacturing
Blended yarn
Manufacturing
Textiles (other than c Manufacturing
Readymade Garment Manufacturing
Textiles - Cotton
Manufacturing
Textiles - Silk
Manufacturing
Textiles - Synthetic Manufacturing
Woollen Textiles
Manufacturing
Land Transportation Manufacturing
Clearing & Forwardin Manufacturing
Courier
Manufacturing
Goods Transport Serv Manufacturing
Passenger Transport SManufacturing
Road Transport
Manufacturing
PlasticsPlastic
PlasticsThermop
Professional Se NA
Professional Se NA
Professional Se NA
Professional Se NA
Professional Ser NA
Professional Ser NA
Professional Ser NA
Professional Ser NA
Professional Ser NA
Professional Ser NA
RubberRubber &
ServicesDiversi NA
Services - busi NA
Services - CommNA
Services - Commu
NA
Services - CommNA
Services - Trans NA
SoftwareERP & NA
SoftwareITES/ C NA
SpecialtyHobby,NA
SpecialtyBooks,
SpecialtyContra
SpecialtyHome F
SpecialtyLeathe
SpecialtyLuggag
SpecialtyOptici
SpecialtyOther
SpecialtyPens a
SpecialtySports
SpecialtyWood &
TextilesBlended
TextilesTextiles
TextilesReadym
TextilesTextiles
TextilesTextiles
TextilesTextiles
TextilesWoollen
TransportLand T
Transportation NA
Transportation L NA
Transportation L NA
Transportation L NA
Transportation L NA
8.77%
14.97%
18.29%
20.06%
16.88%
9.43%
13.34%
13.68%
15.30%
6.14%
8.00%
19.30%
10.14%
14.05%
5.09%
12.31%
10.34%
10.01%
9.43%
13.36%
9.30%
Storage & Warehousi Manufacturing

Water Transport
Manufacturing
Animal Products
Trading
Coffee
Trading
Edible Oils
Trading
Fruit & nuts
Trading
Groceries & Related PTrading
Poultry & Meat ProducTrading
Spices
Trading
Starches
Trading
Sugar
Trading
Tobacco Products
Trading
Vegetables, roots andTrading
2 & 3 Wheelers
Trading
Auto Ancillaries
Trading
Auto Design
Trading
Cycle & Accessories Trading
LCV's/ HCV's (CommerTrading
Passenger Cars
Trading
Tractors
Trading
Tyres
Trading
General Merchandise Trading
Cement products & asTrading
Alkali's
Trading
Carbon black
Trading
Caustic Soda
Trading
Chemicals ( not defin Trading
Dyes and Pigments Trading
Fertilizers (all categorTrading
Industrial Gases
Trading
Inorganic Chemicals Trading
Organic Chemicals (NTrading
Pesticides
Trading
Petrochemicals
Trading
Polymers
Trading
Refractories & interm Trading
Computer - EducationTrading
Computer - Software Trading
Computers & ElectronTrading
Computers & ElectroniTrading
Ceramic Tiles & Sani Trading
Construction
Trading
Construction Equipm Trading
Construction MaterialTrading
Packaging
Trading
Transportation NA
Transportation L NA
Agri ProductsAn
Agri ProductsCof
Agri ProductsEdi
Agri ProductsFru
Agri ProductsGro
Agri ProductsPou
Agri ProductsSpi
Agri ProductsSt
Agri ProductsSu
Agri ProductsTo
Agri ProductsVeg
Automobiles2 &
AutomobilesAuto
AutomobilesAutoNA
AutomobilesCycl
AutomobilesLCV'
AutomobilesPass
AutomobilesTrac
AutomobilesTyre
Broad line/ Mult
CementCement pr
ChemicalsAlkali'
ChemicalsCarbon
ChemicalsCausti
ChemicalsChemic
ChemicalsDyes
ChemicalsFertiliz
ChemicalsIndust
ChemicalsInorga
ChemicalsOrgani
ChemicalsPestic
ChemicalsPetroc
ChemicalsPolyme
ChemicalsRefrac
ComputersCompu
NA
ComputersComput
NA
ComputersComput
ComputersComput
ConstructionCer
ConstructionConNA
ConstructionConNA
ConstructionCons
Containers & Pa
3.95%
8.81%
3.81%
3.95%
19.22%
6.70%
7.00%
8.50%
3.00%
9.27%
9.19%
12.47%
12.54%
7.80%
3.55%
10.84%
13.50%
9.03%
8.60%
4.65%
6.10%
4.89%
5.87%
6.35%
8.27%
12.19%
14.30%
11.07%
7.80%
12.18%
7.20%
6.92%
7.90%
7.98%
8.99%
14.53%
7.40%
9.45%
Electrical Goods
Trading
Hardware, Plumbing Trading
Professional & CommeTrading
Refineries
Trading
Hotels & Restaurants Trading
Recreation & Amuse Trading
Travel Services
Trading
Professional Services Trading
FMCG
Trading
Beer, Wine & DistilledTrading
Packaged Food
Trading
Soft Drinks
Trading
Bakery
Trading
Bottled Water
Trading
Food & Beverages
Trading
Food Processing
Trading
Marine Products
Trading
Cocoa products &
Trading
Dairy
Trading
Food & Beverages
Trading
Food products (other Trading
Marine foods
Trading
Tea
Trading
Industrial Services
Trading
Networking
Trading
Office Equipment
Trading
Medical Equipment Trading
Medical Supplies
Trading
Diagnostic Centres Trading
Trading
Hospitals
Trading
Detergents & IntermeTrading
Dry Cells
Trading
Electronic Equipment Trading
Personal Care
Trading
Abrasives & Grinding Trading
Bearings
Trading
Compressors
Trading
Electrical EquipmentsTrading
Electrodes Graphite Trading
Engineering
Trading
Engines
Trading
Fasteners
Trading
Industrial furnaces
Trading
Industrial machinery- Trading
DurablesElectri
DurablesHardwar
DurablesProfess
EnergyRefinerie NA
Entertainment &NA
Entertainment &NA
Entertainment &NA
FinanceProfessioNA
FMCGFMCGTradi
Food & Beverage
Food & Beverag
Food & Beverage
Food Processing
Food Processing
Food Processing NA
Food Processing NA
Food Processing NA
Food ProductsCo
Food ProductsDa
Food ProductsFo
Food ProductsFo
Food ProductsMa
Food ProductsTe
Gen Indl ServiceNA
Hardware Equip
Hardware Equip
HealthcareMedic
HealthcareMedic
Healthcare Prov NA
Healthcare Provi
Healthcare ProviNA
Household Produ
Household Produ
Household Produ
Household Produ
Industrial equi
Industrial equi
Industrial equi NA
Industrial equip
Industrial equi
Industrial equi
Industrial equi
Industrial equi
Industrial equip
Industrial equip
8.56%
4.25%
12.63%
7.90%
13.55%
3.95%
8.00%
8.21%
8.00%
10.55%
5.00%
8.00%
7.00%
7.50%
13.65%
4.70%
8.87%
14.09%
14.92%
16.70%
6.16%
8.03%
8.59%
9.78%
13.28%
13.90%
8.93%
11.02%
10.50%
5.67%
4.06%
5.11%
13.17%
Industrial machinery (Trading

Machine Tools
Trading
Material handling eq Trading
Motors & generators Trading
Prime movers
Trading
Printing machinery Trading
Pumps
Trading
Storage Batteries
Trading
Structures
Trading
Switching apparatus Trading
Textiles Machinery
Trading
Transformers
Trading
Transmission Line To Trading
Turnkey Services
Trading
Valves
Trading
Welding machinery Trading
Coaching Classes
Trading
Gems & Jewellery
Trading
Advertising
Trading
Broadcasting
Trading
Cable & Other pay telTrading
Post Production & An Trading
Publishing
Trading
Aluminium & Alumini Trading
Castings & forgings Trading
Copper & copper prodTrading
Ferro alloys
Trading
Ferrous metals
Trading
Granite & other Non- Trading
Non-ferrous metals Trading
Pig iron
Trading
Steel (manufacturing Trading
Steel tubes & pipes Trading
Steel wires
Trading
Wires and Cables
Trading
Coal and Lignite
Trading
Crude Oil and naturalTrading
Minerals
Trading
Non-ferrous metals Trading
Automatic Mortising Trading
Catalogue & Mail-ord Trading
Direct Selling
Trading
Commission agents Trading
Glass & Glass ProductTrading
Industries not classifi Trading
Industrial equip
Industrial equi
Industrial equi
Industrial equi
Industrial equi
Industrial equi
Industrial equi
Industrial equip
Industrial equip NA
Industrial equi
Industrial equip
Industrial equi
Industrial equi
Industrial equi NA
Industrial equi
Industrial equi
Institutions & T NA
JewelleryGems &
MediaAdvertisin NA
MediaBroadcastiNA
MediaCable & Oth
NA
MediaPost ProduNA
MediaPublishingNA
MetalsAluminiu
MetalsCastings
MetalsCopper &
MetalsFerro allo
MetalsFerrous m
MetalsGranite &
MetalsNon-ferro
MetalsPig ironTr
MetalsSteel (maNA
MetalsSteel tub
MetalsSteel wire
MetalsWires and
MiningCoal and
MiningCrude Oil
MiningMineralsT
MiningNon-ferro
Non Store Retail NA
Non Store Retail NA
Non Store Retail NA
OthersCommissiNA
OthersGlass & G
OthersIndustriesNA
11.43%
13.08%
10.09%
8.36%
17.80%
11.07%
11.14%
12.01%
4.16%
18.52%
12.26%
11.06%
8.10%
14.67%
5.85%
10.97%
11.36%
7.42%
7.93%
13.65%
11.82%
12.30%
6.90%
6.03%
3.47%
7.75%
3.84%
11.01%
11.28%
12.30%
9.31%
Other general purposTrading

Wholesale traders re Trading
Paints & Varnishes
Trading
Paints Equipment
Trading
Paper & Paper ProducTrading
Petroleum Products Trading
Retail Sale of AutomoTrading
Photographic & AlliedTrading
Plastic Films
Trading
Plastic packaging go Trading
Plastic resins
Trading
Plastic tubes & sheetsTrading
Thermoplastics
Trading
Consultants
Trading
Education Consulting Trading
Entertainment & mediTrading
Executive Search
Trading
IT Consulting
Trading
Legal Services (solicitTrading
Motion Picture productTrading
Professionals
Trading
Public Relations
Trading
Technical consultancyTrading
Rubber & rubber prodTrading
Diversified
Trading
HR & A/Medical
Trading
Internet Services
Trading
Other communicationTrading
s
Tele communication sTrading
Water transport
Trading
ERP & Computer Soft Trading
ITES/ Call Centres
Trading
Hobby, Toy, Game, CaTrading
Books, Office Supplie Trading
Contraceptives
Trading
Home Furniture & Fur Trading
Leather Footwear
Trading
Luggage & Leather G Trading
Opticians
Trading
Other Leather producTrading
Pens and Pencils
Trading
Sports Goods
Trading
Wood & Wood ProductTrading
Blended yarn
Trading
Textiles (other than c Trading
OthersOther gen
OthersWholesale
PaintsPaints & V
PaintsPaints Eq
PaperPaper & Pa
Petroleum ProduNA
Petroleum Produc
Photographic & A
PlasticsPlastic F
PlasticsPlastic
PlasticsPlastic r
PlasticsPlastic
PlasticsThermopl
Professional Ser NA
Professional Ser NA
Professional Se NA
Professional Ser NA
Professional Ser NA
Professional ServNA
Professional Ser NA
Professional Ser NA
Professional Ser NA
Professional Ser NA
RubberRubber &
ServicesDiversif NA
Services - busi NA
Services - CommNA
Services - Commu
NA
Services - CommNA
Services - Trans NA
SoftwareERP & CNA
SoftwareITES/ CaNA
SpecialtyHobby,NA
SpecialtyBooks,
SpecialtyContra
SpecialtyHome F
SpecialtyLeathe
SpecialtyLuggagNA
SpecialtyOpticia
SpecialtyOther
SpecialtyPens an
SpecialtySports
SpecialtyWood &
TextilesBlended
TextilesTextiles
10.00%
5.67%
12.50%
12.20%
15.37%
5.30%
11.41%
11.03%
11.03%
8.50%
10.59%
10.95%
8.99%
19.30%
16.88%
10.99%
11.40%
8.60%
8.76%
8.00%
8.60%
11.13%
13.52%
9.30%
Readymade Garment Trading

Textiles - Cotton
Trading
Textiles - Silk
Trading
Textiles - Synthetic Trading
Woollen Textiles
Trading
Land Transportation Trading
Clearing & Forwardin Trading
Courier
Trading
Goods Transport Serv Trading
Passenger Transport STrading
Road Transport
Trading
Storage & Warehousi Trading
Water Transport
Trading
Animal Products
Services
Coffee
Services
Edible Oils
Services
Fruit & nuts
Services
Groceries & Related PServices
Poultry & Meat ProducServices
Spices
Services
Starches
Services
Sugar
Services
Tobacco Products
Services
Vegetables, roots andServices
2 & 3 Wheelers
Services
Auto Ancillaries
Services
Auto Design
Services
Cycle & Accessories Services
LCV's/ HCV's (CommerServices
Passenger Cars
Services
Tractors
Services
Tyres
Services
General Merchandise Services
Cement products & asServices
Alkali's
Services
Carbon black
Services
Caustic Soda
Services
Chemicals ( not defin Services
Dyes and Pigments Services
Fertilizers (all categorServices
Industrial Gases
Services
Inorganic Chemicals Services
Organic Chemicals (NServices
Pesticides
Services
Petrochemicals
Services
TextilesReadym
TextilesTextiles
TextilesTextiles
TextilesTextiles
TextilesWoollen
TransportLand T
Transportation L NA
Transportation L NA
Transportation L NA
Transportation L NA
Transportation L NA
Transportation NA
Transportation L NA
Agri ProductsAn NA
Agri ProductsCo NA
Agri ProductsEdiNA
Agri ProductsFruNA
Agri ProductsGroNA
Agri ProductsPouNA
Agri ProductsSp NA
Agri ProductsSt NA
Agri ProductsSu NA
Agri ProductsTo NA
Agri ProductsVegNA
Automobiles2 & NA
AutomobilesAutoNA
AutomobilesAuto
AutomobilesCyclNA
AutomobilesLCV'NA
AutomobilesPassNA
AutomobilesTracNA
AutomobilesTyreNA
Broad line/ Mult NA
CementCement pr
NA
ChemicalsAlkali'NA
ChemicalsCarbon
NA
ChemicalsCaustiNA
ChemicalsChemic
NA
ChemicalsDyes NA
ChemicalsFertili NA
ChemicalsIndustNA
ChemicalsInorgaNA
ChemicalsOrganiNA
ChemicalsPestic NA
ChemicalsPetrocNA
8.28%
5.80%
4.88%
4.87%
5.81%
3.60%
12.73%
Polymers
Services
Refractories & interm Services
Computer - EducationServices
Computer - Software Services
Computers & ElectronServices
Computers & ElectroniServices
Ceramic Tiles & Sani Services
Construction
Services
Construction Equipm Services
Construction MaterialServices
Packaging
Services
Electrical Goods
Services
Hardware, Plumbing Services
Professional & CommeServices
Refineries
Services
Hotels & Restaurants Services
Recreation & Amuse Services
Travel Services
Services
Professional Services Services
FMCG
Services
Beer, Wine & DistilledServices
Packaged Food
Services
Soft Drinks
Services
Bakery
Services
Bottled Water
Services
Food & Beverages
Services
Food Processing
Services
Marine Products
Services
Cocoa products &
Services
Dairy
Services
Food & Beverages
Services
Food products (other Services
Marine foods
Services
Tea
Services
Industrial Services
Services
Networking
Services
Office Equipment
Services
Medical Equipment Services
Medical Supplies
Services
Diagnostic Centres Services
Services
Hospitals
Services
Detergents & IntermeServices
Dry Cells
Services
Electronic Equipment Services
ChemicalsPolyme
NA
ChemicalsRefracNA
ComputersCompu
ComputersComput
ComputersComput
ComputersComput
ConstructionCerNA
ConstructionConNA
ConstructionCon
ConstructionCons
NA
Containers & Pa
DurablesElectri NA
DurablesHardwar
DurablesProfess
EnergyRefinerie NA
Entertainment &
Entertainment &
Entertainment &
FinanceProfessio
FMCGFMCGServiNA
Food & BeverageNA
Food & Beverag NA
Food & BeverageNA
Food Processing NA
Food Processing NA
Food Processing NA
Food Processing NA
Food Processing NA
Food ProductsCoNA
Food ProductsDaNA
Food ProductsFo
Food ProductsFoNA
Food ProductsMaNA
Food ProductsTe NA
Gen Indl Service
Hardware Equip
Hardware Equip
HealthcareMedicNA
HealthcareMedicNA
Healthcare Prov
Healthcare ProviNA
Healthcare Provi
Household ProduNA
Household ProduNA
Household ProduNA
15.59%
29.77%
17.67%
17.67%
12.32%
15.00%
6.90%
12.63%
26.42%
22.23%
21.62%
42.92%
15.52%
12.40%
15.60%
8.87%
15.79%
24.06%
Personal Care
Services
Abrasives & Grinding Services
Bearings
Services
Compressors
Services
Electrical EquipmentsServices
Electrodes Graphite Services
Engineering
Services
Engines
Services
Fasteners
Services
Industrial furnaces
Services
Industrial machinery- Services
Industrial machinery (Services
Machine Tools
Services
Material handling eq Services
Motors & generators Services
Prime movers
Services
Printing machinery Services
Pumps
Services
Storage Batteries
Services
Structures
Services
Switching apparatus Services
Textiles Machinery
Services
Transformers
Services
Transmission Line To Services
Turnkey Services
Services
Valves
Services
Welding machinery Services
Coaching Classes
Services
Gems & Jewellery
Services
Advertising
Services
Broadcasting
Services
Cable & Other pay telServices
Post Production & An Services
Publishing
Services
Aluminium & Alumini Services
Castings & forgings Services
Copper & copper prodServices
Ferro alloys
Services
Ferrous metals
Services
Granite & other Non- Services
Non-ferrous metals Services
Pig iron
Services
Steel (manufacturing Services
Steel tubes & pipes Services
Steel wires
Services
Household ProduNA
Industrial equi NA
Industrial equi NA
Industrial equi NA
Industrial equip NA
Industrial equi NA
Industrial equi NA
Industrial equi NA
Industrial equi NA
Industrial equip NA
Industrial equip NA
Industrial equip NA
Industrial equi NA
Industrial equi NA
Industrial equi NA
Industrial equi NA
Industrial equi NA
Industrial equi NA
Industrial equip NA
Industrial equip NA
Industrial equi NA
Industrial equip NA
Industrial equi NA
Industrial equi NA
Industrial equi
Industrial equi NA
Industrial equi NA
Institutions & T
JewelleryGems &
MediaAdvertisin
MediaBroadcasti
MediaCable & Oth
MediaPost Produ
MediaPublishing
MetalsAluminiu NA
MetalsCastings NA
MetalsCopper & NA
MetalsFerro allo NA
MetalsFerrous mNA
MetalsGranite &NA
MetalsNon-ferro NA
MetalsPig ironSeNA
MetalsSteel (maNA
MetalsSteel tub NA
MetalsSteel wireNA
10.90%
29.40%
11.00%
23.88%
29.32%
8.98%
23.90%
15.96%
Wires and Cables

Services
Coal and Lignite
Services
Crude Oil and naturalServices
Minerals
Services
Non-ferrous metals Services
Automatic Mortising Services
Catalogue & Mail-ord Services
Direct Selling
Services
Commission agents Services
Glass & Glass ProductServices
Industries not classifi Services
Other general purposServices
Wholesale traders re Services
Paints & Varnishes
Services
Paints Equipment
Services
Paper & Paper ProducServices
Petroleum Products Services
Retail Sale of AutomoServices
Photographic & AlliedServices
Plastic Films
Services
Plastic packaging go Services
Plastic resins
Services
Plastic tubes & sheetsServices
Thermoplastics
Services
Consultants
Services
Education Consulting Services
Entertainment & mediServices
Executive Search
Services
IT Consulting
Services
Legal Services (solicitServices
Motion Picture productServices
Professionals
Services
Public Relations
Services
Technical consultancyServices
Rubber & rubber prodServices
Diversified
Services
HR & A/Medical
Services
Internet Services
Services
Other communicationServices
s
Tele communication sServices
Water transport
Services
ERP & Computer Soft Services
ITES/ Call Centres
Services
Hobby, Toy, Game, CaServices
Books, Office Supplie Services
MetalsWires andNA
MiningCoal and NA
MiningCrude Oil NA
MiningMineralsSNA
MiningNon-ferro NA
Non Store Retail
Non Store Retail
Non Store Retail
OthersCommissi
OthersGlass & GNA
OthersIndustriesNA
OthersOther genNA
OthersWholesaleNA
PaintsPaints & V NA
PaintsPaints Eq NA
PaperPaper & PaNA
Petroleum ProduNA
Petroleum Produc
NA
Photographic & A
NA
PlasticsPlastic F NA
PlasticsPlastic NA
PlasticsPlastic r NA
PlasticsPlastic NA
PlasticsThermoplNA
Professional Ser
Professional Ser
Professional Se
Professional Ser
Professional Ser
Professional Ser
Professional Ser
Professional Ser
Professional Ser
Professional Ser
RubberRubber &NA
ServicesDiversif
Services - busi
Services - Comm
Services - Commu
Services - Comm
Services - Trans
SoftwareERP & C
SoftwareITES/ Ca
SpecialtyHobby,
SpecialtyBooks, NA
12.40%
12.40%
12.40%
5.90%
20.79%
24.29%
28.50%
25.00%
12.62%
30.00%
22.80%
19.83%
20.00%
17.30%
17.38%
24.18%
6.10%
30.00%
16.47%
34.52%
19.42%
21.52%
20.06%
Contraceptives
Services
Home Furniture & Fur Services
Leather Footwear
Services
Luggage & Leather G Services
Opticians
Services
Other Leather producServices
Pens and Pencils
Services
Sports Goods
Services
Wood & Wood ProductServices
Blended yarn
Services
Textiles (other than c Services
Readymade Garment Services
Textiles - Cotton
Services
Textiles - Silk
Services
Textiles - Synthetic Services
Woollen Textiles
Services
Land Transportation Services
Clearing & Forwardin Services
Courier
Services
Goods Transport Serv Services
Passenger Transport SServices
Road Transport
Services
Storage & Warehousi Services
Water Transport
Services
SpecialtyContra NA
SpecialtyHome FNA
SpecialtyLeathe NA
SpecialtyLuggagNA
SpecialtyOpticiaNA
SpecialtyOther NA
SpecialtyPens anNA
SpecialtySports NA
SpecialtyWood &NA
TextilesBlended NA
TextilesTextiles NA
TextilesReadym NA
TextilesTextiles NA
TextilesTextiles NA
TextilesTextiles NA
TextilesWoollen NA
TransportLand T NA
Transportation L
Transportation L
Transportation L
Transportation L
Transportation L
Transportation
Transportation L
18.19%
10.65%
6.60%
13.10%
8.41%
24.21%
30.84%
10
11
12
13
Sector
Agri Products
Agri Products
Agri Products
Agri Products
Agri Products
Agri Products
Agri Products
Agri Products
Agri Products
Sub Sector
Animal Products
Coffee
Edible Oils
Fruit & nuts
Groceries & Related Products
Poultry & Meat Products
Spices
Starches
Sugar
Agri Products
Tobacco Products
Agri Products
Vegetables, roots and tubers
Automobiles
2 & 3 Wheelers
Automobiles
Auto Ancillaries
Automobiles
Auto Design
Automobiles
Cycle & Accessories
Automobiles
LCV's/ HCV's (Commercial Vehicles)
Automobiles
Passenger Cars
Automobiles
Tractors
Automobiles
Tyres
Broad line/ MultiGeneral Merchandise
Cement
Cement products & asbestos products (trader)
Chemicals
Alkali's
Chemicals
Carbon black
Chemicals
Caustic Soda
Chemicals
Chemicals ( not defined elsewhere)
Chemicals
Dyes and Pigments
Chemicals
Fertilizers (all categories)
Chemicals
Industrial Gases
Chemicals
Inorganic Chemicals (Not Defined Elsewhere)
Chemicals
Organic Chemicals (Not Defined Elsewhere)
Chemicals
Pesticides
Chemicals
Petrochemicals
Chemicals
Polymers
Chemicals
Refractories & intermediates
Computers
Computer - Education
Computers
Computer - Software
Computers
Computers & Electronics
Computers
Computers & Electronics - IT- Hardware
Construction
Ceramic Tiles & Sanitaryware
Construction
Construction
Construction
Construction Equipment
Construction
Construction Materials
Containers & Pa Packaging
Durables
Electrical Goods
Durables
Hardware, Plumbing & Heating Equipment
Durables
Professional & Commercial Equipment
Energy
Refineries
Entertainment &Hotels & Restaurants
Entertainment &Recreation & Amusement
Entertainment &Travel Services
Finance
FMCG
FMCG
Food & Beverag Beer, Wine & Distilled
Food & Beverag Packaged Food
Food & Beverag Soft Drinks

Food Processing Bakery
Food Processing Bottled Water
Food Processing Food & Beverages
Food Processing Food Processing
Food Processing Marine Products
Food Products Cocoa products &
Food Products Dairy
Food Products Food & Beverages
Food Products Food products (other than poultry and meat)
Food Products Marine foods
Food Products Tea
Gen Indl ServiceIndustrial Services
Hardware Equip Networking
Hardware Equip Office Equipment
Healthcare
Medical Equipment
Healthcare
Medical Supplies
Healthcare ProviDiagnostic Centres
Healthcare ProviDrugs & Pharmaceuticals, Drug Proprietary & Druggists' Sundries
Healthcare ProviHospitals
Household ProduDetergents & Intermediates
Household ProduDry Cells
Household ProduElectronic Equipment
Household ProduPersonal Care
Industrial equi Abrasives & Grinding
Industrial equi Bearings
Industrial equi Compressors
Industrial equi Electrical Equipments
Industrial equi Electrodes Graphite
Industrial equi Engineering
Industrial equi Engines
Industrial equi Fasteners
Industrial equi Industrial furnaces
Industrial equi Industrial machinery- chemical and textiles
Industrial equi Industrial machinery (excl. chem. & text.)
Industrial equi Machine Tools
Industrial equi Material handling equipments
Industrial equi Motors & generators
Industrial equi Prime movers
Industrial equi Printing machinery
Industrial equi Pumps
Industrial equi Storage Batteries
Industrial equi Structures
Industrial equi Switching apparatus
Industrial equi Textiles Machinery
Industrial equi Transformers

Industrial equi Transmission Line Towers
Industrial equi Turnkey Services
Industrial equi Valves
Industrial equi Welding machinery
Institutions & Tr Coaching Classes
Jewellery
Gems & Jewellery
Media
Advertising
Media
Broadcasting
Media
Cable & Other pay television services
Media
Post Production & Animation
Media
Publishing
Metals
Aluminium & Aluminium
Metals
Castings & forgings
Metals
Copper & copper products
Metals
Ferro alloys
Metals
Ferrous metals
Metals
Granite & other Non-Metal
Metals
Non-ferrous metals
Metals
Pig iron
Metals
Steel (manufacturing)
Metals
Steel tubes & pipes
Metals
Steel wires
Metals
Wires and Cables
Mining
Coal and Lignite
Mining
Crude Oil and natural gas
Mining
Minerals
Mining
Non-ferrous metals
Non Store Retail Automatic Mortising
Non Store Retail Catalogue & Mail-order
Non Store Retail Direct Selling
Others
Commission agents
Others
Glass & Glass Products
Others
Industries not classified
Others
Other general purpose
Others
Wholesale traders reporting only commission income
Paints
Paints & Varnishes
Paints
Paints Equipment
Paper
Paper & Paper Products
Petroleum ProduPetroleum Products
Petroleum ProduRetail Sale of Automotive
Photographic & A
Plastics
Plastic Films
Plastics
Plastic packaging goods
Plastics
Plastic resins
Plastics
Plastic tubes & sheets, other plastic products
Plastics
Thermoplastics
Professional Ser Consultants
Professional Ser Education Consulting
Professional Ser Entertainment & media content provider
Professional Ser Executive Search
Professional Ser IT Consulting
Professional Ser Legal Services (solicitor firms)
Professional Ser Motion Picture production, distribution & exhibition
Professional Ser Professionals
Professional Ser Public Relations
Professional Ser Technical consultancy & engineering services
Rubber
Rubber & rubber products
Services
Diversified
Services - busin HR & A/Medical
Services - CommInternet Services
Services - CommOther communication services (wireless services, Telex Services, Fax services, Pager S
Services - CommTele communication services
Services - Trans Water transport
Software
ERP & Computer Softwares
Software
ITES/ Call Centres
Specialty
Hobby, Toy, Game, Camera & Photographic Supply Stores
Specialty
Books, Office Supplies & Stationery
Specialty
Contraceptives
Specialty
Home Furniture & Furnishing
Specialty
Leather Footwear
Specialty
Luggage & Leather Goods
Specialty
Opticians
Specialty
Other Leather products
Specialty
Pens and Pencils
Specialty
Sports Goods
Specialty
Wood & Wood Products
Textiles
Blended yarn
Textiles
Textiles (other than cotton, jute & yarn, silk and synthetics)
Textiles
Readymade Garments
Textiles
Textiles - Cotton
Textiles
Textiles - Silk
Textiles
Textiles - Synthetic
Textiles
Woollen Textiles
Transport
Land Transportation
Transportation L Clearing & Forwarding agents
Transportation L Courier
Transportation L Goods Transport Services
Transportation L Passenger Transport Services (Road)
Transportation L Road Transport
Transportation L Storage & Warehousing

Transportation L Water Transport
722
14
15
ConstructionCeramic Tiles & SanitarywareManufacturer
' Sundries
Services, Fax services, Pager Services, Other telephone services, other communication services)
Additional Notes / Remarks / Attachable Objects
able Objects
Business Loan - Credit Appr

Main Applicant
JAYANT ENTERPRISES
Joint Applicant
JAYANTI GARG
Marital status
Education
channel
Product Program
Business Name
Industry
Industry Type
Loan Applied for
Priority Sector Lending
Married
0
DSA
JAYANT ENTERPRISES
0
Growing
5000000
Retail Traders
Age of Applicant
57
Residence / Office Stability

Criteria
Ownership of Residence of Co-Applicant
<> Rented
Ownership of Office
<> Rented
Tele - Contact Ability

Type of Connection
Residence
Landline/WLL/Post paid Mobile
Office
Landline/WLL/Post paid Mobile
Employment Details
No.of yrs of Business from the Current
Premises
>=3 Years
Total no.of yrs in Business
>=3 Years
Repayment Track Record

Is RTR provided?
Name of Bank
Type of Loan
Is Loan Live or Closed?
RTR Loan Amount

Total No. of live unsecured Loans
Period since Closure

Seasoning
Criteria
Not Applicable
Not Applicable
No.of Cheque Returns (in the last 12 Months)
Loan Amount
Minimum
Maximum
Eligible Loan Amount in lacs
Rs.3 Lacs
-11623850
(11,623,850.00)
Loan Tenor
Minimum
Maximum
12 Months
36 Months
ROI
PF
19.50%
2.00%
Banking parameters
Aging of OD/CC limit
Total Credit of the 6 months

ABB Norms
%age of Inward cheque Returns (in Last 6
Months)
%age of Outward cheque Returns (in Last 6
Months)
NA
>=40% of the previous year Turnover
1 time of proposed EMI
1%
3%
Financial Details
Turnover
Trend of TurnOver
>=Rs. 1 Cr
Increasing
Net Income for the Latest Yr
>=Rs.3 Lacs (For Partnership/LTD company

consider Total Income)
Debt Equity Ratio

Interest Coverage Ratio
Current Ratio Norms
TOL/TNW Norms
Debt Service coverage ratio
<=2.5
>=2
>=1
<=4
>=1.25
Net Worth
If Loan Amt of <=7.50 Lacs, Networth should be

>=Rs.25 Lacs
If Loan Amt of >7.50 Lacs, Networth should be
>=Rs.50 Lacs
Commitment as a % of PBDIT Not to Exceed

2%
43290.1
Recent Borrowing (Not more than 1/3rd)
2061862.66666667
Debtors Collection Period

Creditors Payment Period
Profit for Last 2 Years
Net Worth for 1st Year
Net Worth for 2nd Year
<=120 Days
<=120 Days
Positive
Positive
Positive
No. of Months between 2 consecutive ITR's
>=6 Months
Ageing of Last ITR
<=12 Months
Verifications
CPV Vendor Name
RCU Vendor Name
Residence FI
Positive
Office FI
Positive
FI DEDUPE
Positive
Negative Profile
Others
Caution Profile
Others
CIBIL
Positive
External DEDUPE
Internal DEDUPE
RCU
Positive
Positive
Positive
Trade Referance 1
Positive
Trade Referance 2
Positive
RBI Data base as per cibil site
Positive
Other Deviations
Description
Deviations :Debt Service coverage ratio norms not met - 0.20against the norms >=1.25
Profit For Last 2 Years - Negative
Internal dedup IN NEGATIVE
Banking norms not met - 19.49against the norms 40%
Total I/w cheque is 2.38% against the norms of 1%
Details & Documents reqd : Trade refrences
ALL KYC REQ.
Complete loans details as per EMI sheet required
Some emi are not reflecting in banking ----complete banking reqd with existing loan emi clearance---Business continuity proof
NOTE :-
Subject to :-
PDC Details
BANK OF BARODA
#REF!
INDORE
INDORE
Bank Name
Branch Name
Final Loan Amount Approved (in Rs.)

Final Tenor Approved (in Months)
ADDITIONAL NORMS FOR LOAN AMOUNT OF RS. 50 LACS
Turnover
Net worth
PAT
Business stability
Debtor collection days
Creditors Payment date:
DSCR
TOL/TNW
Banking norms
Repayment track
Recent Borrowing
Commitment as a %of PBDIT
NORMS
35crores
3 crores
40lacs
7 years
<=120days
<=120 days
>=1.50
<=3
>=60% of previous year turnover
75% of eligible loan amount with 12
month seasoning
Not more than 1/3rd of unsecured
Loan and LAP should have been
borrowed within last one year post the
Balance Sheet Date
Not to exceed 2%.
NORMS FOR TURNOVER BASED PROGRAM(New)

Criterion
Particulars
5 lacs
Min Loan Amount
Max Loan Amount

Min Tenure
Max Tenure(for all applicants)
20 lacs
12 months
36 months
Turnover
For Loan amount upto Rs 15 Lacs :Min

T/O of >= Rs 1 crore required.
For loan amount above Rs 15 lacs:
Minimum T/O of >= Rs 3 crore.
Any increase in turnover of >
50% as compared to previous year should
be averaged.
No Dip should be reported in current year
Banking parameters
Cheque Return Criteria
Unsecured Loans Criteria
At least 40% of previous years turnover

should reflect in 6 months current banking
I/w Cheque returns should not exceed 1%
of total cheques issued.
O/w cheque returns should not exceed 3%
of the total cheques
Applicant should not have availed more

than three unsecured loans OR more than
One LAP loan OR one LAP and >= 1
unsecured loan in last 6 months
Minimum CC / OD of Rs 25 lacs required

for a loan amount above Rs 10 lacs.
CC / OD Limit Criteria
(i)CC limit should not be overdrawn for

30 days prior to loan application
(ii)If the limit is overutilised and not
regularized within three days then Letter of
Adhoc limit should be obtained and
documented
Net worth
There should be no I/w cheque returns

during the period of overutilization
Networth to be positive for
current year
Net worth
Networth to be positive for

current year
Minimum Cash profit >=Rs 3 lacs for
loan amount between Rs 5 lacs to Rs 10
lacs.
Cash profit
DSCR
VAT Returns
RTR Criteria
Minimum Cash Profit >= Rs 4 lacs for loan

amount above Rs 10 lacs upto Rs 20 lacs
(Cash profit should not decline over
previous year)
(i)DSCR not applicable for Loan upto Rs 15
Lakh
(ii) DCSR >= 0.75 For loan > Rs 15lakh
(iii)DSCR upto 0.5 can be approved at PCH
level
VAT returns for the current year to be

documented to verify the turnover.
RTR of AL, PL, BL, HL, HE & Term
Loan (with monthly repayments )of 50% of
the proposed loan amount for loan amount
upto Rs 10 lacs.
Cibil Score
RTR of AL,BL,PL,HL , HE & Term Loan

(with monthly repayments) of 75% of the
proposed loan amount for loan amount
above Rs 10lacs
D/E ratio <= 2.5
Individual Cibil score of the Co-applicant to
be generated and should be >= 700
ITR
Minimum ITR : Rs 2.00 lacs (Minimum

income from business to be atleast Rs 2.00
lacs)
D/E ratio
Business Loan - Credit Approval Memo

Date of Application
Webtop No.
Relationship with
Applicant
Region
City
Purpose of Loan
IRR
EMI
Constitution
Nature of business
Risk
Actual
Deviation
Comments
No
For Photo ID, DOB, Sign proof :For Relation Proof :For Resi address Proof :For Office address Proof :For Resi or office Ownership proof :For Latest 3 years Business continuity proof :Any other Docs :-
Landline
For Resi contactability proof :Yes
Landline
For office Contactability proof :-
Yes
As per application form / FI / PD Reports :-
Yes
As per application form / FI / PD Reports :-
Yes
0
0
0
: RTR Criteria :
Loans above 35 Lacs has to be supported with Unsecured RTR of 75% of the
Loan amount with 12 month seasoning.
Loan a/c conduct:

There should not have been more than one Cheques bounce in the last 12 mo
never in last 3 months in relation to any of the loan accounts. The bounced Ch
should have been repaid within 30 days of the EMI due date.
Loans above 35 Lacs has to be supported with Unsecured RTR of 75% of the
Loan amount with 12 month seasoning.
Loan a/c conduct:

There should not have been more than one Cheques bounce in the last 12 mo
never in last 3 months in relation to any of the loan accounts. The bounced Ch
should have been repaid within 30 days of the EMI due date.
0
0
No
Actual
0
0
Not Applicable
Not Applicable
No
No
No
No more than 2 EMI Bounce in existing track per year paid within 30 days
approved at PCH Level
Yes
Maximum loan amount Rs. 35 lacs and Minimum loan amount of Rs. 3 la
Comments
36
No
19.50%
2.25%
No
No
NA
NA
Bank Name & A/c No. :OD/CC limit as per sanction letter :OD/CC limit against what :-
10629269
Yes
19.4905501921
2.38%
RCM Level Deviation
0.00%
No
54,535,500.00 No
Increasing
Minimum Turnover of Rs. 1 Crore for all BL Cases.
No
1,105,782.00 No
1.41
2.57
2.14
1.41
0.20
No
No
No
No
Yes
AY 2015 -16 ITR Copy GTI of Rs. NOT PROVIDED

AY 2014 -15 ITR Copy GTI of Rs.11516447/-
5,952,837.00 No
No
No
81.47 No
53.47 No
Negative
Positive
Positive
Yes
No
No
Yes
AY 2014 - 15 :- 22-11-2014
No
AY 2015 - 16 :- NOT PROVIDED
No
Resi FI Comments with status : report awaited

Resi TVR Comments with status : report awaited
No
Office FI Comments with status : report awaited

Office TVR Comments with status : report awaited
No
FI Dedup Comments with status : report awaited
Katiyal & Associates

A. B. Associates
Not in Negative Profile

No
list
NA
Not in Caution Profile

List
No
NA
Positive
No
1st Co-applicant Name :- JBYANTI LAL NANDRAM GRAG

Cibil status : positive.
Cibil Score : TUS-833
No. of enquiries in last 3 months :- NA.
0
Negative
0
No
Yes
No
No
External dedup comments with status : report awaited

Internal dedup comments with status : positive.
RCU Comments with Status : report awaited
Trade Reference :- 01 Company Name :Contact no. :Concered person name :-
No
Trade Reference :- 02 Company Name :Contact no. :Concered person name :-
Positive
No
Comments of Cibil Site :- positive.
mi clearance----
Comments
Account type
Account No.
Name of the Credit Manager
0
36
Signature of the Credit Manager
T OF RS. 50 LACS
ACTUALS
Met / Not
met
54535500
5952837
1105782
0
81
53
0
1
19
OGRAM(New)
Actuals
0
Met/Not Met
Not Met
Not Met
36
Met
54535500
Not Met
1%
Met
Not Met
Met
Met
Not Met
Any Loan
track
Met
Not Met
Not Met
Not Met
5952837
Met
Met
3204561
1322615
Not Met
0.20
580%
(Vat Turnover) /
Turnover
-100%
Met
Not Met
Not Met
1.41
Change in
Cash Profit
Met
Not Met
Not Met
10/28/2015
284BL0000837
proprietor
West
INDORE
Working Capital
20%
0
Proprietorship
Trading retailer
Low
DOB, Sign proof :roof :ess Proof :ress Proof :ice Ownership proof :ears Business continuity proof :s :-
ctability proof :-
tactability proof :-
tion form / FI / PD Reports :-
tion form / FI / PD Reports :-
: RTR Criteria :
5 Lacs has to be supported with Unsecured RTR of 75% of the Eligible

ith 12 month seasoning.
ct:
ot have been more than one Cheques bounce in the last 12 months and
months in relation to any of the loan accounts. The bounced Cheques
en repaid within 30 days of the EMI due date.
5 Lacs has to be supported with Unsecured RTR of 75% of the Eligible

ith 12 month seasoning.
ct:
ot have been more than one Cheques bounce in the last 12 months and
months in relation to any of the loan accounts. The bounced Cheques
en repaid within 30 days of the EMI due date.
2 EMI Bounce in existing track per year paid within 30 days to be

CH Level
amount Rs. 35 lacs and Minimum loan amount of Rs. 3 lacs
A/c No. :per sanction letter :gainst what :-
over of Rs. 1 Crore for all BL Cases.
R Copy GTI of Rs. NOT PROVIDED

R Copy GTI of Rs.11516447/-
22-11-2014
NOT PROVIDED
ents with status : report awaited

ments with status : report awaited

mments with status : report awaited
nt Name :- JBYANTI LAL NANDRAM GRAG

ositive.
US-833
es in last 3 months :- NA.
p comments with status : report awaited

comments with status : positive.
ts with Status : report awaited
ce :- 01 me :-
son name :-
ce :- 02 me :-
son name :-
Cibil Site :- positive.
Current A/c
Current A/c
18590200000504,
024105002842,
Not required for loan above Rs 10 Lakh if there is

a loan track (Any Loan except HL) of
Met
equivalent/more value
as the proposed loan value with no bounce
reported in last 12 months.
Met
Not Met
s / Attachable Objects
Financial Analysis Tool

Sunday, November 01, 2015
PROFIT & LOSS ACCOUNT

Sales excluding other incomes
Cost of goods sold (COGS)
Gross Profits (GP)
Gross Margin %
Other exp. (incl.prtnr's sal& int.)
d1
Add back Partner's/Directors Salary
d2
E
And Partner's Interest

Business Margins
Business Margins %
Other Incomes
Profit before Depreciation, Interest & Tax (PBDIT) (E+F)
PBDIT (C14-C9-C10)
Interest to FI and Banks
Interest to Private Parties
Total Interest Paid
Profit Before Depreciation & Tax (PBDT)
Depreciation
Profit before Tax (PBT)
Tax paid
Profit After Tax (PAT)
Post tax Cash profits + sal. + partners int.
Net Profit Ratio
A
B
C
F
G
H
I
J
K
L
a
b
c
d
e
BALANCE SHEET
Share Capital
Reserves and Surplus
Advances to group co./friends
From Family and Friends
Misc. Exp. Not written off
Total Equity Fund
f
g
h
Secured Debts
Unsecured Debt - PL
Unsecured Debt - others
Total Outside Debts
Total Fund in the business
Gross Fixed Assets

Less : Depreciation
Net Fixed Assets
Investments
Current Assets
k
l
m
n
o
p
q
r
s
t
Stock
Debtors
- exceeding six months
- less than six months later
Loans and Advances ( other than those given to group co. / friends)
Other genuine advances
Cash and Bank
Total Current Assets
Current Liabilities (Excl. OD/CC)
Creditors
Other Liab.
Provisions (for exps, tax, div. etc.)
Residual Current Assets
OD / CC
Net Working Capital
Deferred Tax Assets / (Liab.)
Total Application of Funds
Total Funds for the business
Difference in B/S
Description
Turn Over
15% of Gross TurnOver OR Industry Margin(Lower of Both)
Margin Considered:
Net Annual Income consider for calculation purpose(lower of 15% Gross
Turn Over Margins and Industry Margins)
Annual Income (Average of 2 years if Income is >50% increased)
(otherwise pls consider cell no.C7)
Other Income / 12
Net Monthly Income consider for calculation purpose
Fixed Obligation -TCL proposed EMI-Monthly
Other Loan EMI-Monthly
Annual Interest paid on OD/CC (As per Banking)
Monthly Interest paid on OD /CC
Total monthly Obligation including TCL EMI+other emi+int.paid on
OD/CC
FOIR
Max FOIR allowed if (ITR <5 lacs==70%) OR (ITR>5Lacs) 80%
Current Ratio >=1
Bank Name & A/c No.

Months / Interest on OD or CC Per month
Total
Average Interest on OD / CC
Annual Interest on OD / CC
Common Norms for all the Doctor program

Parameters
Norms
(i)Post Graduate Doctors(MD/DM/MS/MCH/MDS)
(ii) Graduate Doctors (MBBS/BDS)
Education
qualification
Homeopathy and Ayurvedic Doctors not allowed

Degree form USSR, Russian Universities and Estern
Europeon universities not allowd
Age
Min Age : 21 years for Salaried & 25 years, for Self employedMax
Age : 65 years for Self Employed and forSalaried 58 years or
retirement age whichever
is later
Current City Stability
Residential
Stability
Current Resi Stability

(For self/Parental owned it stability can be
less than one year supported with ownership
proof)
Landline at office.
Contactability
Landline/WLL/Post Paid at Residence
Last 3 months average bank balance to be

equal or greater than the proposed EMI of our
loan.
ABB upto 0.75 can be approved at RCM level
& ABB upto 0.5 at PCH level
ABB Norms
No bounce reported in last 6 months for

Insufficient funds
EMI Bounces
Not more than 2 EMI

Bounce in existing track per year paid within
30 days to be approved at PCH level
Inward
Cheques
Returns
Should not exceed more than 2% of the

total cheques issued by the customer for Self
employed.
Outward
Cheque
Returns
CIBIL Scores
Should not exceed more than 3%

Minimum CIBIL Score to be 700
Clubbing of husband and wifes income is
allowed. ( only If both are Doctors)
Clubbing of
Income
Tenor of Base Track

<=12- should be 8 MOB
12> <=24 - should be 12 MOB
>24 - should be 15 MOB
Top up Norms
For Gross Receipts Program

Parameters Norms
Target
Customer
Profile
Self employed practising doctors (Individual/ Proprietorship/

Partnership held within family)
Min Loan
Amount
Rs 3 lakh
Max Loan
Amount
Rs 20 lakh
Tenure
Qualifier
Norms
Minimum Tenure: 12 months

Maximum Tenure: 48 months.
Minimum Gross Receipts:
For Graduate Doctors: Rs 10 Lakh
For Post Graduate Doctors: Rs 15 Lakh
Employment Operating from current premises for last one year & minimum total
Stability
work experience of 5 years post graduates & ten years for Graduate
Doctors
RTR
Banking
Norms
Loans above Rs 15 lakh have to be supported by a secured loan

(Auto Loan / LAP/Term Loan with monthly repayment) of a similar
value with 12 month seasoning. OR unsecured loan with a
repayment track of 50% of the proposed loanamount with 12
months clean repayment
RAAC normAt least 4 credits and 4 debit transaction per month. i) If met in 4
months out of 6 then the same can be approved at RCM level. If met
in 3 months out of 6 then the same can be approved at CH level.
Else policy level
Eligibility Calculation - Gross Receipts program
Gross Receipts
Multiplier
Annual Obligations
Eligibility
EAST
WEST
NORTH
SOUTH
DSA
DST
12
24
36
MANUFACTURING
TRADING
SERVICES PROVIDER
MANUF/TRADER
POSITIVE
NEGATIVE
REFER TO CR
Current Yr
Previous Yr
Fig
31-3-15
31-3-14
Inc./Dec.
54535500
53984482
50648106
49778493
3887394
4205989
7.1%
7.8%
1768111
3159917
1%
2%
-8%
-9%
-44%
#DIV/0!
2119283
3.9%
45222
2164505
2164505
841890
1046072
1.9%
103842
1149914
1149914
770640
841890
1322615
216833
770640
379274
253602
1105782
125672
1105782
1322615
2.03%
184661
-58989
194613
0.23%
1105782
1149915
31-3-15
31-3-14
#DIV/0!
103%
101%
-56%
88%
88%
9%
#DIV/0!
9%
249%
-14%
780%
-100%
-1975%
580%
771%
Inc./Dec.
5952837
3204561
5952837
3204561
6185588
4712893
2511901
86%
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
86%
2200317
8385905
14338742
7224794
10429355
31%
-100%
#DIV/0!
16%
37%
1580937
216833
1364104
1834537
253602
1580935
-14%
-14%
-14%
4432955
3875000
14%
#DIV/0!
3182350
12173147
1895080
11870818
12173147
69580
11870818
1081985
618341
16043418
149992
14997875
7501735
7419005
10024455
10005534
82730
8541683
18921
4973420
8541683
4973420
14338742
14338742
10429355
10429355
68%
3%
#DIV/0!
3%
-94%
#DIV/0!
312%
7%
-25%
-26%
#DIV/0!
337%
72%
#DIV/0!
72%
#DIV/0!
37%
37%
Turnover Based
31.3.2013
54535500
#N/A
#N/A
31.3.2012
53984482
#N/A
#N/A
Inc./Dec.
1%
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
0
0
0
#N/A
Amount in Rs. Amount in Rs. Amount in Rs.
0
0
0
0
0
0
Doctor Profile
tor program
Actual
Norms Met/Not
Met
Level of
Deviation
Policy
57
Policy
Not Met
Policy
Not Met
Policy
Landline
Met
Policy
Landline
Met
Policy
#DIV/0!
#DIV/0!
#DIV/0!
Met
Policy
PCH/Policy
2.38%
Not Met
Policy
0.00%
Met
Policy
Not Met
Policy
Policy
Policy
Level of
Met/Not Met Deviation
Policy
Policy
Policy
Policy
Policy
Policy
Policy
Policy
eipts program
54535500
2
7134540
101936460
Figures
Proposed TCL Loan Amount
Tenor
Turnover
Net worth
Multiplier
0
36
54535500
5952837
2
PAT
Depreciation
Income from Other Sources
Interest to Partners
Partners salary /Directors Renumeration
Total annual obligations for loans not declared in balance sheet
Eligible loan amount as per cash profit multliplier
1105782.00
216833
0
7134540
-11623850
2.57
Debt to Equity as TCL Policy
1.41
Debt Service Coverage Ratio
0.20
Current Ratio Norm
2.14
Total liability_Networth Norm
1.41
Net Worth Norms
5952837.00
Turn Over Norms
Not Applicable
Profit After Tax Norms

Ratio Analysis: Profitability
Gross Margins
Business Margins
Net Business Margins
Net Operating Margins
Net Profit Margins
ROE (Post tax)
Not Applicable
31-3-15
Ratio Analysis: Balance Sheet

Debt Equity without working capital
Total borrowings/ Equity
L/Term Debts / Fixed Assets
Turnover / Current Assets
Turnover / Fixed Assets
Turnover / Total Assets
Current Ratio
31-3-15
Ratio Analysis: Working Capital

% of Loans and Advances to Equity in business
31-3-15
0.07
0.04
0.04
0.02
0.02
2.57
0.22
1.41
1.41
6.15
3.40
39.98
2.50
2.14
er Based

Stock Replenishment Period
Working Capital Gap
Cash Credit Days
Other Exp. Payment days
Period of Vat returns
April - 2011
May - 2011
June - 2011
July - 2011
August - 2011
September - 2011
October - 2011
November - 2011
December - 2011
January - 2012
February - 2012
March - 2012
Total :------------------------
81.47
53.47
22.93
50.94
0.00
0.00
Sales in Rs.
r Profile
Self Employed (Income Based Program) - Proprietorship /Partnership /Pvt Ltd Companies )
Norms
Self employed doctors - Owning a hospital / nursing home/ clinic

Rs 3 lakh
Rs 35 lakh for Self
Employed
Net worth to be Positive
DE<= 2 .5
DSCR>= 0.75
Operating from current premises for last one year & minimum
total work experience of 5 years post graduates &
ten years for Graduate Doctors
Met/ Not Met
Loans above Rs 15 lakh have to be supported by a secured loan

(Auto Loan / LAP/Term Loan with monthly repayment) of a similar
value with 12 month seasoning. OR unsecured loan with a
repayment track of 50% of the proposed loanamount with 12
months clean repayment
Not Applicable
Eligibility Calculation - Income Based program
Cash Profit
Multiplier
Annual Obligations
Eligibility
758614
4
7134540
-4100084
3204561
NORMAL
No
NORMAL
DECLINE
No
Normal
NORMAL
NORMAL
Not Applicable
Not Applicable
31-3-14
0.08
0.02
0.02
0.01
0.00
1.49
0.06
Inc/Dec
-0.09
1.01
0.86
2.45
7.71
0.72
2.66
2.25
2.25
4.57
3.60
34.15
2.64
1.50
Inc/Dec
-0.38
-0.38
0.35
-0.06
0.17
-0.05
0.43
31-3-14
31-3-14
Inc/Dec
0.00
80.26
73.37
13.90
20.79
0.00
0.00
0.02
-0.27
0.65
1.45
#DIV/0!
#DIV/0!
hip /Pvt Ltd Companies )

Level of
Deviation
Policy
Policy
Policy
Policy
Policy
Policy
Policy
Policy
Policy
am
758614
4
7134540
-4100084
Salaried cum Self Employed

Norms
Consulting doctors - With leading hospitals who are on retainer basis,
consulting /salaried with any
reputed Government/Private hospital/ Self employed practising
Doctor
Rs 3 lakh
Rs 3 lakh
Minimum Net Monthly Salary of Rs 50 K & Form 16+ Form 16A of
Minimum Rs 7 Lakh (For Contractual Income)
(i)Should be Employed with current hospital / Operating from current
premises for minimum one year & The total employment stability
should be minimum 3years for Post Graduates & 5 years for
Graduates
Met/Not Met
Not Applicable
Not Applicable
Eligibility Calculation'
1. Salary Income
Monthly Net Income
Monthly contractual income
Total Income
Applicable multiplier
Eligibility as per Salaried program
2. Self employed Income
Gross Receipts Program
Income Based cash profit program
Eligibility as per Self Employed program
Annual Obligations
Final Eligibility
0
0
0
11
0
Yes
3034456
81803250
7134540
74668710
Level of
Deviation
Policy
Policy
Policy
Policy
Policy
Policy
Policy
0
0
0
11
0
81803250
3034456
81803250
7134540
74668710
ts
Additional Notes / Remarks / Att
ional Notes / Remarks / Attachable Objects
able Objects
Additional Notes / Rem
Additional N
Additional Notes / Remarks / Attachable Ob
s / Remarks / Attachable Objects
ts
Provisional Financial Analysis Tool

Sunday, November 01, 2015
A
B
C
D
d1
d2
E
F
G
H
I
J
K
L
a
b
c
d
e
PROFIT & LOSS ACCOUNT

Sales excluding other incomes
Cost of goods sold (COGS)
Gross Profits (GP)
Gross Margin %
Other exp. (incl.prtnr's sal& int.)
Add back Partner's/Directors Salary
And Partner's Interest
Business Margins
Business Margins %
Other Incomes
Profit before Depreciation, Interest & Tax (PBDIT) (E+F)
PBDIT (C14-C9-C10)
Interest to FI and Banks
Interest to Private Parties
Total Interest Paid
Depreciation
Tax paid
Net Profit Ratio
BALANCE SHEET
Share Capital
Reserves and Surplus
Advances to group co./friends
From Family and Friends
Misc. Exp. Not written off
Total Equity Fund
f
g
h
Secured Debts
Unsecured Debt - PL
Unsecured Debt - others
Total Outside Debts
Gross Fixed Assets

Less : Depreciation
Net Fixed Assets
Investments
Current Assets
k
l
m
n
o
p
q
r
s
t
Stock
Debtors
- exceeding six months
- less than six months later
Loans and Advances ( other than those given to group co. / friends)
Other genuine advances
Cash and Bank
Creditors
Other Liab.
Provisions (for exps, tax, div. etc.)
OD / CC
Net Working Capital
Deferred Tax Assets / (Liab.)
Difference in B/S
Description
Turn Over
15% of Gross Turn Over
Nature of Business :
Industry Margin as per Policy :
Net Annual Income consider for calculation purpose(lower of 15% Gross
Turn Over Margins and Industry Margins)
Annual Income (Average of 2 years if Income is >50% increased)
(otherwise pls consider cell no.C7)
Other Income / 12
Net Monthly Income consider for calculation purpose
Fixed Obligation -TCL proposed EMI-Monthly
Other Loan EMI-Monthly
Annual Interest paid on OD/CC (As per Banking)
Monthly Interest paid on OD /CC
Total monthly Obligation including TCL EMI+other emi+int.paid on
OD/CC
FOIR
Max FOIR allowed if (ITR <5 lacs==70%) OR (ITR>5Lacs) 80%
Current Ratio >=1
Bank Name & A/c No.

Months / Interest on OD or CC Per month
Total
Average Interest on OD / CC
Annual Interest on OD / CC
EAST
WEST
NORTH
SOUTH
DSA
DST
12
24
36
MANUFACTURING
TRADING
SERVICES PROVIDER
MANUF/TRADER
POSITIVE
NEGATIVE
REFER TO CR
Next Yr
Current Yr
FiG
31-3-15
Inc./Dec.
54535500.00
50648106.00
3887394
7.1%
1768111.00
0.00
0.00
2119283
3.9%
45222.00
2164505
2164505
841890.00
0.00
841890
1322615
216833.00
1105782
0.00
1105782
1322615
2.03%
-100%
-100%
-100%
#DIV/0!
-100%
#DIV/0!
#DIV/0!
-100%
#DIV/0!
-100%
-100%
-100%
-100%
#DIV/0!
-100%
-100%
-100%
-100%
#DIV/0!
-100%
-100%
#DIV/0!
30-Dec-99 31-3-15
Inc./Dec.
5952837.00
0.00
0.00
0.00
0.00
0
5952837
-100%
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
-100%
0
#DIV/0!
0
#DIV/0!
0
0
0
0
0
0
0
#DIV/0!
0
0
6185588.00
0.00
2200317.00
8385905
14338742
-100%
#DIV/0!
-100%
-100%
-100%
1580937.00
216833.00
1364104
-100%
-100%
-100%
4432955.00
-100%
#DIV/0!
3182350.00
12173147
0.00
12173147.00
69580.00
0.00
618341.00
16043418
-100%
-100%
#DIV/0!
-100%
-100%
#DIV/0!
-100%
-100%
0
0
7501735
7419005.00
0.00
82730.00
8541683
0.00
8541683
0.00
14338742
14338742
-100%
-100%
#DIV/0!
-100%
-100%
#DIV/0!
-100%
#DIV/0!
-100%
-100%
0
0
0
0
Turnover Based
31.3.2013
31.3.2012
0.00 54535500.00
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
0
0
0
#N/A
Inc./Dec.
-100%
#N/A
#N/A
Amount in
Rs.
Amount in
Rs.
Amount in Rs.
0
0
0
0
0
0
Figures
Proposed TCL Loan Amount
Tenor
Turnover
Net worth
Multiplier
PAT
Depreciation
Income from Other Sources
Interest to Partners
Partners salary /Directors Renumeration
Total annual obligations for loans not declared in balance sheet
Eligible loan amount as per cash profit multliplier
0
36
0
0
0
0.00
0
0
7134540
0
#DIV/0!
Debt to Equity as TCL Policy
#DIV/0!
Debt Service Coverage Ratio
0.00
Current Ratio Norm
#DIV/0!
Total liability_Networth Norm
#DIV/0!
Net Worth Norms
0.00
Turn Over Norms
Not Applicable
Profit After Tax Norms

Ratio Analysis: Profitability
Gross Margins
Business Margins
Net Business Margins
Net Operating Margins
Net Profit Margins
ROE (Post tax)
Not Applicable
30-Dec-99
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
Ratio Analysis: Balance Sheet

Debt Equity without working capital
Total borrowings/ Equity
L/Term Debts / Fixed Assets
Turnover / Current Assets
Turnover / Fixed Assets
Turnover / Total Assets
Current Ratio
30-Dec-99
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
Ratio Analysis: Working Capital

% of Loans and Advances to Equity in business
30-Dec-99
nover Based

Stock Replenishment Period
Working Capital Gap
Cash Credit Days
Other Exp. Payment days
Period of Vat returns
April - 2011
May - 2011
June - 2011
July - 2011
August - 2011
September - 2011
October - 2011
November - 2011
December - 2011
January - 2012
February - 2012
March - 2012
Total :------------------------
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
Sales in Rs.
5952837
#DIV/0!
#DIV/0!
#DIV/0!
DECLINE
#DIV/0!
#DIV/0!
#DIV/0!
DECLINE
Not Applicable
Not Applicable
31-3-15
0.07
0.04
0.04
0.02
0.02
2.57
0.22
Inc/Dec
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
1.41
1.41
6.15
3.40
39.98
2.50
2.14
Inc/Dec
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
31-3-15
31-3-15
Inc/Dec
#DIV/0!
81.47
53.47
22.93
50.94
0.00
0.00
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
ts
able Objects
Additional Notes / Rem
Additional N
Additional Notes / Remarks / Attachable Ob
s / Remarks / Attachable Objects
ts
able Objects
Total Interest paid as per P & L A/c
Total Debts Secured + Unsecured (Excl. OD/CC & from Family & friends)
Total Debts Secured + Unsecured / 3 (If exact tenure is available as per

Repayment schedule / Track then divided by exact tenure only)
EMI *12 of all loans which are nor reflecting in balance sheet
TCL Proposed EMI * 12
SUM OF A+C+D+E
PBDIT as per Financial analysis
DSCR
G/F
NOTE :- DSCR Calculation to be recheck by credit.
DSCR
<0.75
0.75 to 1.00
1.00 to 1.25
1.25 to 1.50
>1.50
841890
8385905
2795301.66666667
7134540
0
10771732
2164505
0.2009430858
Weights
0
1
2
3
4
hable Objects
Total Interest paid as per P & L A/c
Total Debts Secured + Unsecured (Excl. OD/CC & from Family & friends)
Total Debts Secured + Unsecured / 3 (If exact tenure is available as per

Repayment schedule / Track then divided by exact tenure only)
EMI *12 of all loans which are nor reflecting in balance sheet
TCL Proposed EMI * 12
SUM OF A+C+D+E
PBDIT as per Provisional Financials
Prov
DSCR
G/F
NOTE :- DSCR Calculation to be recheck by credit.
DSCR
<0.75
0.75 to 1.00
1.00 to 1.25
1.25 to 1.50
>1.50
0
0
0
7134540
0
7134540
0
Weights
0
1
2
3
4
hable Objects
Loan Details Sheet :-
Financer Name
Type of Loan
Loan Amount (Rs)
Loan details as per provided repayment track record are as below :RELIGARE
HDB
BAJAJ
HDFC
HDFC
JFS
TATA
MAGMA
RELIGARE
BL
PL
BL
AL
AL
DETAILS NOT CONFI
BL
BL
BL
E M I (Rs)
1000000
500000
1295000
750000
848000
1000000
750000
1000000
1520000
36404
18838
47143
25090
22040
38200
31700
37475
56102
1339975
7400000
7435909
1000000
48443
168373
169190
36152
Cibil report reflected loan details are as below :Joint

Individual
Individual
Joint
BL
HL
HL
BL
Additional match found Cibil report reflected loan details are as below :NA
Bank statement reflected loan details are as below :Financer Name
RELIGARE
HDB
HDFC
HDFC
BAJAJ
BAJAJ
56102
18838
22040
25090
47143
47110
Total of unsecured +LAP loan amount which are taken as obligation

EMI Clearance sheet :Financer Name
RELIGARE
HDB
HDFC
EMI Amount
56102
18838
22040
EMI Debited Through which A/c & BOB-18590200000504BOB-18590200000504BOB-185902000005
Concerned Bank A/c Holder's NamJAYANT ENTERPRISEJAYANT ENTERPRISEJAYANT ENTERPRI
Apr-15
May-15
Jun-15
Jul-15
Aug-15
Sep-15
3
1
1
1
1
1
EMI Clearance Sheet provided by branch as below :-
4
2
5
4
4
4
8
7
7
9
8
8
Schedule of Secured & Unsecured loans from bank & financial institution for March 2015 as below:-
EMI taken as an
Obligation
(for DSCR/Eligibility
Calculation)
Remarks & EMI Start date
1/10/2014
4/10/2013
2/8/2014
7/12/2014
7/6/2012
30-12-2014
23-10-2013
7/12/2012
1/11/2013
0
0
0
0
0
0
31700
37475
56102
7/31/2015
2/20/2015
1/27/2015
7/31/2014
48443
168373
169190
36152
EMI taken as an
Obligation
(for FOIR
Calculation)
Tenure
36
36
36
36
48
36
36
36
36
0
0
0
0
0
47110
Total Obligations
Annual Obligations
594545
7134540
0
0
HDFC
25090
BOB-18590200000504
JAYANT ENTERPRISES
BAJAJ
47143
ICICI BANK-024105002842
JAYANT ENTERPRISES
BAJAJ
47110
ICICI BANK-024105002842
JAYANT ENTERPRISES
8
7
7
9
7
8
2
2
2
2
3
2
Emi Paid
13
25
14
11
42
11
30
11
25
2015 as below:Additional Notes / Remarks / Attachable Objects
Loan A/c No.
Name of the
Borrower
Reflected in
Balance
Sheet
Reflected in
Which Bank
Statement &
A/c No.
Performance
XSMEIND0054065 DETAILS NOT CONFIRM

472881
JAYANTI GARG
425PSB03681551
JAYANTI GARG
30329054
JAYANTI GARG
21379741
JAYANTI GARG
30368650000578,
JAYANT ENTERPRISES
3614984
JAYANT ENTERPRISES
PG/0135/P/11/000049JAYANT ENTERPRISES
XSMEIND00049148 JAYANT ENTERPRISES
JAYANTI GARG
JAYANTI GARG
JAYANTI GARG
JAYANTI GARG
JAYANT ENTERPRISES
JAYANT ENTERPRISES
JAYANT ENTERPRISES
JAYANT ENTERPRISES
JAYANT ENTERPRISES
JAYANT ENTERPRISES
BOB-18590200000504
BOB-18590200000504
BOB-18590200000504
BOB-18590200000504
ICICI BANK-024105002842
ICICI BANK-024105002842
Attachable Objects
Suit Filed Accounts of Rs. 100 Lakhs and above
Suit-filed accounts of Rs. 1 Cr. and above as on 30-Sep-2015

Search details
Borrower Containing - JAYANT ENTERPRISES/City - INDORE/Direct
Loading...
Bank
borrowerId
quarterId
No Records
Suit Filed Accounts (Willful Defaulters) of Rs. 25 Lakhs and
Suit-filed accounts (Willful Defaulters) of Rs. 25 Lacs and above a

Search details
Borrower Containing - JAYANT ENTERPRISES/City - INDORE/Direct
Loading...
Bank
No Records
borrowerId
quarterId
INDORE
JAYANT ENTERPRISES
JAYANTI GARG
Rs. 100 Lakhs and above
on 30-Sep-2015
City - INDORE/Directors Containing - JAYANTI GARG
Branch
Quarter
ulters) of Rs. 25 Lakhs and above
25 Lacs and above as on 30-Sep-2015
City - INDORE/Directors Containing - JAYANTI GARG
Branch
Quarter
B
S.NO
I
PARAMETERS
Financial Analysis
1 Turnover (INR In Crs)
<0.4 cr
>=0.4 cr
>=1 cr
>=3 cr
>=5 cr
>=7 cr
2 Minimum Income declared as per ITR
2 Tenor of proposed TCL Loan (in Months)
Less and equal to 24 months
36 months
48 months
Above 48 months
3 All (TCL + Other obligations ) EMI to Cash Profit Ratio
<=40%
<=60%
<=80%
>80%
4 Turnover Growth (y-o-y for last 2 years)
>=15%
>=12%
>=9%
>=6%
>=3%
<3%
5 Profit Pattern (declared) - last 2 years
Constant + ve Growth
Stable within 10% var
Loss in 1/ 3 yrs-prev
Loss in 1/ 3 yrs-last
6 Business Margins
>=15%
>=12%
>=10%
>=8%
>=5%
<5%
7 Net Worth (in Cr)
<0.5 cr
>=0.5 cr
>=2 cr
>=3 cr
>=4 cr
>=5 cr
9 Total Liability /TNW
8 Debt Equity Ratio
<=1.5
<=2
<=2.5
<=3
>3
9 Interest Coverage Ratio
<1.5
>=1.5
>=2
>=2.5
>3
12 Current Ratio
10 Debtors days
<=30 days
<=60 days
<=120 days
<=180 days
>180 days
II
BUSINESS MODEL
14 Constitution of Entity
15 Business stability
1 Business Continuity in the same business
Less than 1.5 year
More than 1.5 years
More than 3 years
More then 5 years
2 Ownership of property in the co-applicant's name - Residence
3 Ownership of property in the co-applicant's name - Office
19 Type of Industry
20 Industry sector
4 Buyer Concentration
<=30%
<=40%
<=50%
<=60%
<=70%
>70%
III
Banking Analysis based on Current Account

1 Credit Turnover from six months banking to be % last year's reflected turnover
>=40%
>=60%
<40%
2 No of credits in last 6 months
>=100
>=75
>=50
>=25
>=10
<10
3 I/w Cheque Ret in last 6 mths including EMI bounces
<2%
>=2%
4 O/w Cheque Rett. In last 6 mths
4 No. of times CC / OD Overlimit in last 6 months
NIL
1 reg within 2 w.days
> 3 / not reg in 7 days
6 Utilisation of OD/CC Limits
IV
Credit history Analysis

No. of unsecured loan
1-2
3-4
No loan
5-6
>6
No. of secured loan
1-2
3-4
No loan
5-6
>6
2 No.of unsecured loans taken in less than 6 months
No loans
Less than 2
Less than 4
Less than 6
Less than 8
Demographics
1 Age of the Co-applicant at the time of Loan Maturity
2 Educational Qualification of Main Co-applicant
3 Geo Limits
4 Residence status
1 Current Residence Stability
Less than 1 year
More than 2 years
More than 3 years
More than 5 years
VI
Verification
1 Internal Dedupe
2 External Dedupe
3 Residence FI
4 Office FI
5 Office PD
6 RCU
7 Trade Reference - first
Trade Reference - second
8 Tele-verification -Residence
9 Tele-verification -Office
1 Consumer CIBIL Score
800 +
750-799
700-749
650-699 / 0 / -1
600-649
< 600
11 Commercial CIBIL
12 KYC Compliance
2 DSCR
<0.75
0.75 to 1.00
1.00 to 1.25
1.25 to 1.50
>1.50
Parameters
Financial Analysis
Business Model
Bank Analysis
Credit History
Demographics
Verification
Total
Business Loan
Final Score
Score band
Above 80%
70-80%
Below 70%
Business Loan Score Card

ACTUAL FIGURES
5.45
Score
24.7%
2.7322842437042%
0.00%
0.68%
1.37%
2.05%
2.73%
3.42%
11.06
36
1.84781017022825%
539.43%
0.512303295694537%
1%
0.00%
779.9%
3.36%
3.9%
0.00%
0.60
2.27690353642016%
2.78%
1.85%
0.92%
0.00%
2.05%
1.54%
1.02%
0.51%
5.69%
4.55%
3.42%
2.28%
1.14%
0.00%
3.36%
2.68%
2.01%
1.34%
0.67%
0.00%
4.10%
3.28%
2.46%
1.64%
0.82%
0.00%
0.00%
2.28%
4.55%
6.83%
9.11%
11.38%
1.41
1.41
4.25021993465097%
4.25%
3.19%
2.13%
1.06%
0.00%
2.57
7.49639004528149%
0.00%
2.50%
5.00%
7.50%
10.00%
2.14
81.47
2.23895514414649%
4.48%
3.36%
2.24%
1.12%
0.00%
2.4%
Proprietorship
0
0
0.00%
0.00%
1.34%
2.69%
4.05%
0
Trading
Growing
<=50%
2.40024970164351%
19.4905501921
6.55%
0.00%
217
2.98843589155146%
4.00%
3.32%
2.40%
1.60%
0.80%
0.00%
0.59%
1.17%
0.00%
Transactions
2.99%
2.39%
1.79%
1.20%
0.60%
0.00%
(Customer's Cheques are bouncing)
2.56%
0.00%
2.38%
(Third Party Cheques are bouncing)
0.00%
NIL
0.00%
3.56%
3.56%
2.85%
2.13%
1.42%
0.71%
0.00%
0.00%
9.2%
3%
1.5%
4.66053692611002%
6.01%
4.81%
3.00%
1.20%
0.00%
3.00%
2.40%
1.50%
0.60%
0.00%
4.66%
3.50%
2.33%
1.17%
0.00%
0.0%
57
0
With in GEO Limit
0
0
0.00%
0.00%
0.17%
0.34%
0.51%
4.8%
Negative
0
0
0
0
0
0
0
0
0
Positive
4.78%
4.78%
3.83%
2.87%
1.91%
0.96%
0.00%
0
Positive
0.2009430858
0.00%
2.50%
5.00%
7.50%
10.00%
Weight ages
40%
15%
15%
10%
5%
15%
100%
47.60%
Good
Medium
Bad
0%
Description
3.5833333333
Increasing
CROSS CHECK WITH EMI SHEET
B
S.NO
I
PARAMETERS
Provisional Financials
1 Turnover (INR In Crs)
<0.4 cr
>=0.4 cr
>=1 cr
>=3 cr
>=5 cr
>=7 cr
2 Minimum Income declared as per ITR
2 Tenor of proposed TCL Loan (in Months)
Less and equal to 24 months
36 months
48 months
Above 48 months
3 All (TCL + Other obligations ) EMI to Cash Profit Ratio
<=40%
<=60%
<=80%
>80%
4 Turnover Growth (y-o-y for last 2 years)
>=15%
>=12%
>=9%
>=6%
>=3%
<3%
5 Profit Pattern (declared) - last 2 years
Constant + ve Growth
Loss in 1/ 3 yrs-prev
Loss in 1/ 3 yrs-last
6 Business Margins
>=15%
>=12%
>=10%
>=8%
>=5%
<5%
7 Net Worth (in Cr)
<0.5 cr
>=0.5 cr
>=2 cr
>=3 cr
>=4 cr
>=5 cr
9 Total Liability /TNW
8 Debt Equity Ratio
<=1.5
<=2
<=2.5
<=3
>3
9 Interest Coverage Ratio
<1.5
>=1.5
>=2
>=2.5
>3
12 Current Ratio
10 Debtors days
<=30 days
<=60 days
<=120 days
<=180 days
>180 days
II
BUSINESS MODEL
14 Constitution of Entity
15 Business stability
1 Business Continuity in the same business
Less than 1.5 year
More than 1.5 years
More than 3 years
More then 5 years
2 Ownership of property in the co-applicant's name - Residence
3 Ownership of property in the co-applicant's name - Office
19 Type of Industry
20 Industry sector
4 Buyer Concentration
<=30%
<=40%
<=50%
<=60%
<=70%
>70%
III
Banking Analysis based on Current Account

1 Credit Turnover from six months banking to be % last year's reflected turnover
>=40%
>=60%
<40%
2 No of credits in last 6 months
>=100
>=75
>=50
>=25
>=10
<10
3 I/w Cheque Ret in last 6 mths including EMI bounces
<2%
>=2%
4 O/w Cheque Rett. In last 6 mths
4 No. of times CC / OD Overlimit in last 6 months
NIL
> 3 / not reg in 7 days
6 Utilisation of OD/CC Limits
IV
Credit history Analysis

1-2
3-4
No loan
5-6
>6
No. of secured loan
1-2
3-4
No loan
5-6
>6
2 No.of unsecured loans taken in less than 6 months
No loans
Less than 2
Less than 4
Less than 6
Less than 8
Demographics
1 Age of the Co-applicant at the time of Loan Maturity
2 Educational Qualification of Main Co-applicant
3 Geo Limits
4 Residence status
1 Current Residence Stability
Less than 1 year
More than 2 years
More than 3 years
More than 5 years
VI
Verification
1 Internal Dedupe
2 External Dedupe
3 Residence FI
4 Office FI
5 Office PD
6 RCU
7 Trade Reference - first
8 Tele-verification -Residence
9 Tele-verification -Office
1 Consumer CIBIL Score
800 +
750-799
700-749
650-699 / 0 / -1
600-649
< 600
11 Commercial CIBIL
12 KYC Compliance
2 DSCR
<0.75
0.75 to 1.00
1.00 to 1.25
1.25 to 1.50
>1.50
Parameters
Business Model
Bank Analysis
Credit History
Demographics
Verification
Total
Business Loan
Final Score
Score band
Above 80%
70-80%
Below 70%
Business Loan Score Card

ACTUAL FIGURES
0.00
Score
#DIV/0!
0.00%
0.00%
0.68%
1.37%
2.05%
2.73%
3.42%
0.00
36
1.84781017022825%
#DIV/0!
#DIV/0!
-100%
0.00%
-100.0%
0.00%
#DIV/0!
#DIV/0!
0.00
0.00%
2.78%
1.85%
0.92%
0.00%
2.05%
1.54%
1.02%
0.51%
5.69%
4.55%
3.42%
2.28%
1.14%
0.00%
3.36%
2.68%
2.01%
1.34%
0.67%
0.00%
4.10%
3.28%
2.46%
1.64%
0.82%
0.00%
0.00%
2.28%
4.55%
6.83%
9.11%
11.38%
#DIV/0!
#DIV/0!
#DIV/0!
4.25%
3.19%
2.13%
1.06%
0.00%
#DIV/0!
#DIV/0!
0.00%
2.50%
5.00%
7.50%
10.00%
#DIV/0!
#DIV/0!
#DIV/0!
4.48%
3.36%
2.24%
1.12%
0.00%
2.4%
Proprietorship
0
0
0.00%
0.00%
1.34%
2.69%
4.05%
0
Trading
Growing
<=50%
2.40024970164351%
19.4905501921
6.55%
0.00%
217
2.98843589155146%
4.00%
3.32%
2.40%
1.60%
0.80%
0.00%
0.59%
1.17%
0.00%
Transactions
2.99%
2.39%
1.79%
1.20%
0.60%
0.00%
(Customer's Cheques are bouncing)
2.56%
0.00%
2.38%
(Third Party Cheques are bouncing)
0.00%
NIL
0.00%
3.56%
3.56%
2.85%
2.13%
1.42%
0.71%
0.00%
0.00%
9.2%
3%
1.5%
4.66053692611002%
6.01%
4.81%
3.00%
1.20%
0.00%
3.00%
2.40%
1.50%
0.60%
0.00%
4.66%
3.50%
2.33%
1.17%
0.00%
0.0%
57
0
With in GEO Limit
0
0
0.00%
0.00%
0.17%
0.34%
0.51%
4.8%
Negative
0
0
0
0
0
0
0
0
0
Positive
4.78%
4.78%
3.83%
2.87%
1.91%
0.96%
0.00%
0
Positive
0
0.00%
2.50%
5.00%
7.50%
10.00%
Weight ages
40%
15%
15%
10%
5%
15%
100%
#DIV/0!
Good
Medium
Bad
0%
Description
3.5833333333
Declining
CROSS CHECK WITH EMI SHEET
Sr No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
Question Description
Date of Application
Webtop No.
Product Program
Channel
Channel Name
Region
Name of City
Name of the Applicant
Name of Co-Applicant
Relationship with Applicant
Co-Applicant details to be clubbed
DOB (mm/dd/yyyy)
Educational Background
Marital Status
Industry
Industry Type-Growing/Negative/Caution
Negative Profile
Caution Profile
Priority sector lending
Risk
Business/Firm Name
Nature of Business
Office/Resi with in Geo limit/Out of geo limit
Turnover (INR In Crs)
Minimum Income declared as per ITR
Tenor of proposed TCL Loan (in Months)
All (TCL + Other obligations ) EMI to Cash Profit Ratio
Turnover Growth (y-o-y for last 2 years)
Profit Pattern (declared) - last 2 years
Business Margins
Net Worth (in Cr)
Total Liability /TNW
Debt Equity Ratio
Current Ratio
Debtors days
Constitution of Entity
Business stability
Business Continuity in the same business
Ownership of property in the co-applicant's name - Residence
Ownership of property in the co-applicant's name - Office
Type of Industry
Industry sector
Buyer Concentration
Credit Turnover from six months banking to be % last year's reflected turnover
No of credits in last 6 months
I/w Cheque Ret in last 6 mths including EMI bounces
O/w Cheque Rett. In last 6 mths
No. of times CC / OD Overlimit in last 6 months
Utilisation of OD/CC Limits
No. of secured loan
No.of unsecured loans taken in less than 6 months
Age of the Co-applicant at the time of Loan Maturity
Educational Qualification of Main Co-applicant
Geo Limits
Residence status
Current Residence Stability
Internal Dedupe
External Dedupe
Residence FI
Office FI
Office PD
RCU
Trade Reference - first
Tele-verification -Residence
Tele-verification -Office
Consumer CIBIL Score
Commercial CIBIL
KYC Compliance
DSCR
Final Score
Update No.
Date & Time
Prov Turnover (INR In Crs)
Prov Minimum Income declared as per ITR
Prov Tenor of proposed TCL Loan (in Months)
Prov All (TCL + Other obligations ) EMI to Cash Profit Ratio
Prov Turnover Growth (y-o-y for last 2 years)
Prov Profit Pattern (declared) - last 2 years
Prov Business Margins
Prov Net Worth (in Cr)
Prov Total Liability /TNW
Prov Debt Equity Ratio
Prov Interest Coverage Ratio
Prov Current Ratio
Prov Debtors days
Prov Constitution of Entity

Prov Business stability
Prov Business Continuity in the same business
Prov Ownership of property in the co-applicant's name - Residence
Prov Ownership of property in the co-applicant's name - Office
Prov Type of Industry
Prov Industry sector
Prov Buyer Concentration
Prov Credit Turnover from six months banking to be % last year's reflected turnover
Prov No of credits in last 6 months
Prov I/w Cheque Ret in last 6 mths including EMI bounces
Prov O/w Cheque Rett. In last 6 mths
Prov No. of times CC / OD Overlimit in last 6 months
Prov Utilisation of OD/CC Limits
Prov No. of unsecured loan
Prov No. of secured loan
Prov No.of unsecured loans taken in less than 6 months
Prov Age of the Co-applicant at the time of Loan Maturity
Prov Educational Qualification of Main Co-applicant
Prov Geo Limits
Prov Residence status
Prov Current Residence Stability
Prov Internal Dedupe
Prov External Dedupe
Prov Residence FI
Prov Office FI
Prov Office PD
Prov RCU
Prov Trade Reference - first
Prov Trade Reference - second
Prov Tele-verification -Residence
Prov Tele-verification -Office
Prov Consumer CIBIL
Prov Commercial CIBIL
Prov KYC Compliance
Prov DSCR
Prov Final Score
PP_FMCG_Turnover
PP_FMCG_Banking norms
PP_FMCG_%age of Inward cheque Returns (in Last 6 mth
PP_FMCG_%age of Outward cheque Returns (in Last 6 mth
PP_FMCG_Net worth
PP_FMCG_Current Ratio Norms
PP_FMCG_ITR
PP_FMCG_ABB (Average Bank Balance)
PP_FMCG_Eligiblity
PP_FMCG_Target Segments
PP_FMCG_Constitution
PP_FMCG_Loan amt
PP_FMCG_Tenor
PP_FMCG_Industry Margin
PP_FMCG_Company to be profitable
PP_FMCG_Total Unutilised bank balance
PP_FMCG_Average Unutilised bank balance
PP_FMCG_ABB to be thrice of unutilized bank balance
PP_FMCG_Total of 6 months bank balance
PP_FMCG_Average of 6 months bank bal
PP_FMCG_ABB to be twice the proposed EMI
Turnover_Prod_Turn Over
Turnover_Prod_15% of Gross Turn Over
Turnover_Prod_Nature of Business : Industry Margin as per Policy :
Turnover_Prod_Net Annual Income consider for calculation purpose(lower of 15% Gross Turn Over Margins and Industry Mar
Turnover_Prod_Annual Income (Average of 2 years if Income is >50% increased)
Turnover_Prod_Other Income / 12
Turnover_Prod_Net Monthly Income consider for calculation purpose
Turnover_Prod_Fixed Obligation -TCL proposed EMI-Monthly
Turnover_Prod_Other Loan EMI-Monthly
Turnover_Prod_Annual Interest paid on OD/CC (As per Banking)
Turnover_Prod_Monthly Interest paid on OD /CC
Turnover_Prod_Total monthly Obligation including TCL EMI+other emi+int.paid on OD/CC
Turnover_Prod_FOIR
Turnover_Prod_Max FOIR allowed if (ITR <5 lacs==70%) OR (ITR>5Lacs) 80%
Turnover_Prod_Current Ratio >=1
Industry / Sector
Current Rating Agency:
Date of Reported Rating (Current) (mm/dd/yyyy)
Current Rating
Previous Rating Agency:
Date of Reported Rating (Previous) (mm/dd/yyyy)
Previous Rating
Rating Movement
Gross Profits (GP)
Gross Margin %
Business Margins
Business Margins %
Profit before Depreciation, Interest & Tax (PBDIT) (Business Margin+Other Income)
PBDIT (PBDIT-Partner's Salary & Interest)
Total Interest Paid

Net Profit Ratio
Total Equity Fund
Total Outside Debts
Net Fixed Assets
Investments
Debtors
Net Working Capital
Bank Name & A/c No._1
OD/CC Limit_1
OD/CC Limit_2
OD/CC Limit_3
OD/CC Limit_4
OD/CC Limit_5
OD/CC Limit_6
Doc Gross Receipts
Doc Income
Doc FOIR
Customer Response
28-10-15
284BL0000837
DSA
addi trademartWest
INDORE
JAYANT ENTERPRISES
JAYANTI GARG
proprietor
Yes
09/22/1958
0
Married
Trading
Growing
Not in Caution Profile List
Retail Traders
Low
JAYANT ENTERPRISES
Trading retailer
With in GEO Limit
5.45
11.06
36.00
539.4%
1.0%
779.9%
3.9%
0.60
1.41
1.41
2.57
2.14
81.47
Proprietorship
0.00
0.00
0.00
0.00
Trading
Growing
<=50%
19.49
217.00
0.02
0.00
NIL
0.0%
0
0
0.00
57
30-12-99
With in GEO Limit
30-12-99
0.00
Negative
30-12-99
30-12-99
30-12-99
30-12-99
30-12-99
30-12-99
30-12-99
30-12-99
30-12-99
Positive
30-12-99
Positive
0.201
47.60%
0.00
0.00
36
#DIV/0!
-100%
-1
#DIV/0!
0.00
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
Proprietorship
0
0
0
0
Trading
Growing
<=50%
19.4905501921
217
2.38%
0.00%
NIL
0.00%
0
0
0
57
0
With in GEO Limit
0
0
Negative
0
0
0
0
0
0
0
0
0
Positive
0
Positive
0
#DIV/0!
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0.0102069702
#N/A
0
#N/A
#N/A
0
#N/A
0
0
0
0
0
#N/A
0
0
0
0
0
0
0
0
0
0
3887394
0.0712818989
2119283
0.0388606137
2164505
2164505
841890
1322615
1105782
1105782
1322615
2.03%
5952837
8385905
14338742
1364104
4432955
12173147
16043418
7501735
8541683
8541683
14338742
14338742
BANK OF BARODA----18590200000504
0
ICICI BANK---024105002842
0
0
0
0
0
0
0
0
0
#REF!
#REF!
#REF!
NAME
A/C.NO.
PURPOSE
LOAN
RATE
PERIOD
EMI
EMI
No.
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
19.50%
36
0.00
INTEREST
COMPONENT
Rs.
PRE EMI INT Rs.

MORATO PERIOD
TOTAL INTEREST
TOTAL EMI
PRINCIPAL
COMPONENT
Rs.
-
MONTHLY EMI
Rs.
-
EMI
No.
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
INTEREST
COMPONENT
PRINCIPAL
COMPONENT
-
MONTHLY EMI
-
83
84
EMI
No.
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
INTEREST
COMPONENT
PRINCIPAL
COMPONENT
MONTHLY EMI
130
131
132
EMI
No.
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
INTEREST
COMPONENT
PRINCIPAL
COMPONENT
MONTHLY EMI
177
178
179
180
EMI
No.
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
INTEREST
COMPONENT
PRINCIPAL
COMPONENT
MONTHLY EMI
224
225
226
227
228
EMI
No.
229
230
231
232
233
234
235
236
237
238
239
240
INTEREST
COMPONENT
PRINCIPAL
COMPONENT
MONTHLY EMI
OUTSTANDING RS.
-
OUTSTANDING RS.
-
OUTSTANDING RS.
-
OUTSTANDING RS.
-
OUTSTANDING RS.
-
OUTSTANDING RS.
-
Banking Analysis:
Particulars
Account 1
Bank Name
Association with Bank in months
BANK OF BARODA---18590200000504
6
Type CC and C/A
Current A/c
Limits if OD/CC
Recent changes
Hypothecation
Utilization
0.00%
59.53
545.36
13.64
32.05
539.84
15.81
% Changes of Current over

Prev Yr
86%
1%
-14%
PBDT
Depreciation
PBT
Tax paid
PAT
13.23
2.17
11.06
0.00
11.06
13.23
3.79
2.54
1.26
1.85
-0.59
1.95
DRs TO Days
CRs TO Days
SRP
81.47
53.47
22.93
80.26
73.37
13.90
Particulars
31-3-15
Net worth
TO
Fixed Assets (Net)
Particulars
ICR
DER
Current Ratio
TOL/TNW
DSCR
Turnover
Net worth
PAT
Business stability
Debtor collection days
Creditors Payment date:
DSCR
TOL/TNW
Banking norms
Repayment track
31-3-14
Current Yr
Previous Yr
2.57
1.41
2.14
1.41
0.20
>=60% of previous year

turnover
19%
75% of eligible loan amount

with 12 month seasoning
Not more than 1/3rd of
unsecured Loan and LAP
should have been borrowed
within last one year post the
Balance Sheet Date
Recent Borrowing
Commitment as a %of PBDIT
Business Loan
Final Score
Score band
Above 80%
70-80%
Below 70%
-100.00%
-100.00%
-100.00%
249%
-14%
780%
-100%
-1975%
580%
0
0
0
0
0
0
-100.00%
-100.00%
-100.00%
#DIV/0!
-100.00%
-100.00%
2%
-27%
65%
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
0%
ADDITIONAL NORMS FOR LOAN AMOUNT OF RS. 50 LACS

NORMS
ACTUALS
35crores
545.355
3 crores
59.52837
40lacs
11.05782
7 years
0
<=120days
81.47
<=120 days
53.47
>=1.50
0.20
<=3
1.41
Not to exceed 2%.
0
47.60%
0
0
#DIV/0!
0
Good
Medium
Bad
% Changes of Prov over

Current Yr
0
0
0
1.49
0.00
1.50
0.00
(Rs. In Lacs)
Met / Not met
Please enable Macros or else you cannot Upd
Update CAM
Update Counter
1

Jayant Enterprises - 284BL0000837 - Indore

Enviado por

Dados do documento

Título original

Direitos autorais

Formatos disponíveis

Compartilhar este documento

Compartilhar ou incorporar documento

Opções de compartilhamento

Você considera este documento útil?

Este conteúdo é inapropriado?

Direitos autorais:

Formatos disponíveis

Jayant Enterprises - 284BL0000837 - Indore

Enviado por

Direitos autorais:

Formatos disponíveis

Business Loan - Verfied Income

Application Date (mm/dd/yyyy)

Name of the Applicant

Relationship with Applicant

Co-Applicant details to be clubbed

Priority sector lending

Office/Resi with in Geo limit/Out of geo limit

Total no.of yrs.in the Current Business

No.of yrs.of Business from the Current Premises

Total no.of yrs in Business

If Partner - Profit sharing Ratio

Ownership of residence of Co-Applicant

Total no of years at current Residence

Type of connection at Residence

Type of connection at Office

Repayment Track Record details

Total no of live Unsecured loans

Is Loan Live or Closed?

If closed - Date of Closure (dd/mm/yyyy)

If Live Seasoning (in Months)

No. of EMI Cheque Bounces for this loan(in Last 12 Months)

No. of EMI Cheque Bounces for this loan(in Last 3 Months)

Bank Name & A/c No.

No of times CC/OD Over limit in last 6 months

Utilisation of OD/CC limit

Aging of Account (in Months)

Average Monthly Credit

Total No. of Cheque issued

Total No.of inward Cheque bounces (in last 6 months)

Loan Amount Applied for

Eligible Loan Amount

Approved Loan Amount

Requested Tenor (in Months)

RCU Vendor Name

Current Rating Agency:

Date of Reported Rating (Current) (mm/dd/yyyy)

Previous Rating Agency:

Date of Reported Rating (Previous) (mm/dd/yyyy)

RTR type - Sec/Unsec

Industry Sub Sector

Food & Beverages

Food & Beverage

Plastic tubes & sheetsManufacturing

Storage & Warehousi Manufacturing

Industrial machinery (Trading

Other general purposTrading

Readymade Garment Trading

Wires and Cables

Food & Beverag Soft Drinks

Industrial equi Transformers

Transportation L Storage & Warehousing

ConstructionCeramic Tiles & SanitarywareManufacturer

Additional Notes / Remarks / Attachable Objects

Business Loan - Credit Appr

Residence / Office Stability

Tele - Contact Ability

Landline/WLL/Post paid Mobile

Landline/WLL/Post paid Mobile

Total no.of yrs in Business

Repayment Track Record

RTR Loan Amount

Period since Closure

No.of Cheque Returns (in the last 12 Months)