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Executive Summary Format For Credit Proposal of Above Rs.10Lacs and Less Than Rs.500Lacs
Executive Summary Format For Credit Proposal of Above Rs.10Lacs and Less Than Rs.500Lacs
Executive Summary Format For Credit Proposal of Above Rs.10Lacs and Less Than Rs.500Lacs
Date:
MEMORANDUM TO (SANCTIONING AUTHORITY)
A/C WITH:________BRANCH_______RO______ FGMO
A.1
A.2
A.3
G.
H.
I.
J.
K.
L.
B.
C.
D.
E.1
E.2
F.
Existing
Limit.
Prop.
Limit
Applicable
Our Bank
0.00
Total
Other
Banks/FIs
0.00
0.00
Interest/Commission
[With reference to BR]
Existing /
Prop.
Effective
/Effective
rate
rate
(Rs. in _____)
Margin
Conces
sion
Exist
Prop
Total
0.00
Grand
0.00
Total
(The referred interest rate as well as approval of concession shall be enumerated.)
Delegated authority: The proposal falls within the delegated authority of bRA on account of _______.
Date of sanction / Last review
Sanctioning authority (previous sanction)
Due date of review
:
:
:
Asset classification
Status of account
Credit rating:
:
: Regular or EAS / SMA due to ______
ABS as of previous year
ABS as of current year
Date:
Date:
Rating Date
Internal Rating
2.
Sr.
No.
Name
Designation
PAN
(Rs. in ______)
Means
Previou
s
Date:
DIN, if
applicable
Latest
Date:
Total
(PAN & DIN, if applicable should be invariably mentioned / Reason for variation in means to be
commented upon)
3.
4.1
Background
(Including
latest
development in business & present
request in brief.)
3.1 Firm/Company/Concern
wherever
Capital
Structure,
applicable
Authorised Capital
Issued & Subscribed Capital
Paid Up Capital
Book Value
Market Value (Listed companies)
:
:
:
:
:
Face Value
Current
Date:
Holding %
Previous
Date:
TOTAL
In case of partnership firms indicate capital contributed by each partner separately:
Name of the partner
Current/Date:
Previous/Date:
TOTAL
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6.1
6.2
6.3
: (Yes/No
If yes, comments on the same)
6.4
: (Yes/No
If yes, comments on the same)
7.
: Yes/No
If Yes, compliance of takeover norms
8.1
of
other
Banks
on
sister
:
:
:
Contingent
Investments
Present
irregularity, if
any
MOR
8.2
Comments
concerns
8.3
9.
Insurance
Amount:
Date
of
Expiry:
concern
&
[Rs. in ____]
CERSAI
Remarks
Search with
date
Name of Valuer:
TOTAL
(Whether insurance is adequate should be comment upon. Details of valuation of plant & machinery, if
applicable shall also be provided. Comments on latest & previous valuation, wherever available should
be mentioned)
(Rs. In ____)
Means as per last sanction
(Credit report date ____)
Total
(Reason for variation in means to be commented upon)
11
S.
No.
a.
b.
c.
d.
e.
e(i)
Paid-Up Capital
Reserves & Surplus
Intangible assets
Tangible Net Worth (a+b-c)
Long Term Liabilities
(w/w unsecured loan i.e.
Quasi Equity)
Capital Employed (d+e)
Net Block
Investments
Non Current Assets
f.
g.
h.
i.
: -
Mar.__
(Aud.)
Page 4 of 9
j.
:
:
12
13.
13.1
11.3
13.2
No. of Statements /
Return recd. During
the year
: (If
applicable
Number)
: (If
applicable
Number)
Stock Statement / BD
QPR/Half Yearly Statement
Page 5 of 9
Last Stat. /
Return recd.
(Date)
(Date)
13.3
Particulars
Previous
Year
Current
Year
Credit Turnover
Sales
% of credit
turnover to sales
Maximum Debit
Balance
Average Debit
Balance
No. of days in
debit
Inward cheque
return (No.)
Outward Cheque
return (No.)
No. of occasions
excesses/ TOD
allowed
Maximum
Excesses/ TOD
allowed
Remarks:
13.4
13.5
13.6
:
:
: (Including Date of MMR)
13.7
Value of account (During Financial Year):
i) Advances:
Previous year/Date:
- Interest Income
- Fee Based Income
ii) Third party products:
iii)
Retail / Consumer / Finance[to
No. of Accounts
employees associates]
iv) Deposits:
- Own
- Third Party
Amount
14.
14.1
14.2
14.3
14.4
14.5
(Rs. in _____)
Current year/Date:
Amount
Tenure
:
: (Yes/No
Date of completion of mortgage:
Date of legal vetting of mortgage: )
: (Yes/No
Search ID
Date:______)
: (Yes/No
Date of documents:
Date of DBC:
Date
of
legal
Vetting
documents:______)
: (Yes/No
Date:______)
(Yes/No)
of
14.6
14.7
14.8.1
14.8.2
14.9
14.10
(In case
held
at
15.
Audit
observations
(Pending for compliance)
15.1RBI Inspection
15.2 RBIA (Internal Audit)
15.3Concurrent
15.4Statutory
15.5 Stock Audit
Date
: (Yes/No)
Date of last Consortium meeting
Gist of minutes:
: (Yes/No)
: (Yes/No)
(Yes/No)
: (Date:
Comments :)
: (Date:
Gist of inspection :)
provided)
Observations
Branch Replies
including COR
Present status
(Rs. in _____)
16.1
Irregularities,
if any
TOTAL
Investment
(Date of Stock-Book debt statement should be mentioned in prime securities)
16.2 Exposure details from banking system/FIs (Incl. Our Bank):
Existing Limits
Fund Based WC
Non Fund Based
Term Loan
Sl.
No.
Name of
the Bank
TOTAL
Proposed Limits
Sl.
Name of
No.
the Bank
% Share
Amt.
% Share
Fund Based WC
% Share
Amt.
Amt.
%
Share
Amt.
(Rs. In _____)
Comments on
Conduct of the
Account and
position of last
sanction / review
Term Loan
% Share
Amt.
TOTAL
16.3
17.
17.1
Page 7 of 9
:
: (Overall limit and our share)
: (Including sales achieved during current
year, achievement vis-a-vis projection
during last year and details of major
customers/buyers)
17.2
Raw materials
- Indigenous
- Imported
(Months Consumption)
Stock in process
(Months Cost of Production)
Finished Goods
(Months Cost of Sales)
Stores
(Months Consumption)
Export Receivables
(Months Export Sales)
Domestic Receivables
(Months domestic Sales)
Other Current Assets
Sundry Creditors
(Months Purchases)
17.3
17.4
Term Loan
18
:
Marks Obtained
Previous Year
Current Year
ABS as of
ABS as of
Parameters
Borrower Rating
Facility Rating
Risk Mitigators
Business aspects
Total Marks with Grade
Rating Rationale:
(In case of down-gradation of credit rating, justification for the same shall be provided. Comments on
external rating, wherever applicable)
19.
Recommendations
:
We recommend for review/renewal/enhancement/fresh credit facilities as mentioned below on stated
terms and conditions:
(Rs. In _____)
Amount
Int./
Nature of Limit
Margin
Primary Security
Comm.
Existing
Proposed
Page 8 of 9
TOTAL
(Present Base Rate @ ________ w.e.f. ______ vide IC No._______ dt._________)
19.1
19.2
19.3
19.4
19.5
19.6
Collateral Security:
Personal/Corporate Guarantee:
Processing charges/Upfront Fees:
Upfront Contribution (In case of Term Loan)
Repayment Schedule (In case of Term Loan)
Other Matters:
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