CAM – SENP & SALARIED

(Enter data in White coloured cells only)

LAN # Customer Category Salaried - General Product Home Loan

Sub Product Location

Program Type Salaried
DST Name Employee No.
RM Name Employee No.
Sourcing Details ABM Name Employee No.
DSA Name DSA Code
Credit Manager KINNARI MEHTA Employee No.
Applicant Co-applicant Co-applicant 1 Co-applicant 2 Co-applicant 3 Co-applicant 4
Name of the Applicant
Fathers Name/Spouse Name
Date of Birth
Age of Applicant 120 120 120 120 120 120
Age at Loan Maturity 140 140 140 140 140 140
Retirement Age 60 60 60 60 60 60
Age Deviation 80 80 80 80 80 80
Relationship With Applicant SELF
PAN No.
CIBIL Score -1
Qualification XIIth Pass XIIth Pass
Employer Name
Risk Profile
Designation / Grade
Yrs. in Current Employment
Total Yrs. in Service
Current Residence Address
Permanent Address
Office Address
Phone No.
Email Address
Property Ownership
FI Residence
FI Office
RCU Status
Internal Dedupe
Processing Fees (PF) Details
Net Income (Monthly) 0.00 0.00

LTA + Fixed Reimbursements + Any Other Income - Monthly (As Per Policy)

Yearly Bonus (Net of Tax) - Monthly (As per Policy)

Incentives (Net of Tax) - Monthly (As per Policy)
Rental Income (Net of Tax) - Monthly (As per Policy)
Net Annual Income 0.00 0.00 0.00 0.00 0.00 0.00
Net Total Income 0.00
Total Obligations 0.00

INCOME CALCULATION - VIP

ITR VALUE 0.00 0.00 0.00 0.00 0.00 0.00

BUSINESS PROFIT/INCOME AS PER PREVIOUS YR FINANCIALS 0.00 0.00 0.00 0.00 0.00 0.00

BUSINESS PROFIT/INCOME AS PER CURRENT YR FINANCIALS 0.00 0.00 0.00 0.00 0.00 0.00

BUSINESS PROFIT/INCOME TO BE CONSIDERED FOR LOAN ELIGIBILITY 0.00 0.00 0.00 0.00 0.00 0.00

BUSINESS PROFIT/INCOME TO BE CONSIDERED FOR LOAN ELIGIBILITY 0.00

AIP
BUSINESS INCOME POST AIP MULTIPLIER (Applicable for AIP Only)
0.00 0.00 0.00 0.00 0.00
AIP INCOME ASSESSED AS PER CA REPORT (Applicable for AIP Only)
0.00 0.00 0.00 0.00 0.00
BUSINESS INCOME TO BE CONSIDERED FOR AIP PROGRAM 0.00 0.00 0.00 0.00 0.00 0.00
TOTAL INCOME CONSIDERED FOR LOAN ELIGIBILITY
0

Gross Margin
BUSINESS TURNOVER AS PER PREVIOUS YR FINANCIALS 0.00 0.00 0.00 0.00 0.00 0.00
BUSINESS TURNOVER AS PER CURRENT YR FINANCIALS 0.00 0.00 0.00 0.00 0.00 0.00
BUSINESS TURNOVER TO BE CONSIDERED 0.00 0.00 0.00 0.00 0.00 0.00
Industry Margin as per Policy to be considered for Loan Eligiblity 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
interest on OD / CC account 0.00 0.00 0.00 0.00 0.00 0.00
Income to be considered for loan eligibility 0.00 0.00 0.00 0.00 0.00 0.00
TOTAL INCOME CONSIDERED FOR LOAN ELIGIBILITY 0.00

Gross Profit
GROSS PROFIT AS PER PREVIOUS YR FINANCIALS 0.00 0.00 0.00 0.00 0.00 0.00
GROSS PROFIT AS PER CURRENT YR FINANCIALS 0.00 0.00 0.00 0.00 0.00 0.00
GROSS PROFIT TO BE CONSIDERED 0.00 0.00 0.00 0.00 0.00 0.00
20% of T/O 0.00 0.00 0.00 0.00 0.00 0.00
Minimum of the above Two 0.00 0.00 0.00 0.00 0.00 0.00

GROSS PROFIT TO BE TAKEN FOR LOAN ELIGIBILITY 0.00

Depreciation Calculation
Whether Audited or Unaudited Audited
DEPRECIATION AS PER PREVIOUS YR FINANCIALS 0.00 0.00 0.00 0.00 0.00 0.00
DEPRECIATION AS PER CURRENT YR FINANCIALS 0.00 0.00 0.00 0.00 0.00 0.00
DEPRECIATION TO BE CONSIDERED 0.00 0.00 0.00 0.00 0.00 0.00
TOTAL DEPRECIATION 0.00

RENTAL INCOME AS PER PREVIOUS YR FINANCIALS 0.00 0.00 0.00 0.00 0.00 0.00
RENTAL INCOME AS PER CURRENT YR FINANCIALS 0.00 0.00 0.00 0.00 0.00 0.00
RENTAL INCOME TO BE CONSIDERED 0.00 0.00 0.00 0.00 0.00 0.00
TOTAL RENTAL INCOME 0.00

AGRICULTURAL INCOME AS PER PREVIOUS YEAR 0.00 0.00 0.00 0.00 0.00 0.00
AGRICULTURAL INCOME AS PER CURRENT YR FINANCIALS 0.00 0.00 0.00 0.00 0.00 0.00
AGRI INCOME TO BE CONSIDERED 0.00 0.00 0.00 0.00 0.00 0.00
TOTAL AGRI INCOME 0.00

ANY OTHER REGULAR INCOME PREVIOUS YEAR 0.00 0.00 0.00 0.00 0.00 0.00
ANY OTHER REGULAR INCOME CURRENT YEAR 0.00 0.00 0.00 0.00 0.00 0.00
ANY OTHER INCOME TO BE CONSIDERED 0.00 0.00 0.00 0.00 0.00 0.00
ANY OTHER INCOME TO BE CONSIDERED 0.00 0.00 0.00 0.00 0.00 0.00
TOTAL OF ANY OTHER INCOME TO BE CONSIDERED 0.00

REPAYMENT OBLIGATIONS ON LOANS 0.00

RTR Program / BT Program

SIP EMI (ANNUAL) 0.00
INCOME TO BE CONSIDERED 0.00
MAX Annual Income under SIP 0.00

Banking Program
ABB X Multiplier of 1 0.00

Loan Eligibility Multiplier Method (Gross Receipt)

CURRENT YEAR ITR VALUE 0.00 0.00 0.00 0.00 0.00 0.00
RECEIPTS AS PER PREVIOUS YR FINANCIALS 0.00 0.00 0.00 0.00 0.00 0.00
RECEIPTS AS PER CURRENT YR FINANCIALS 0.00 0.00 0.00 0.00 0.00 0.00
RECEIPTS TO BE CONSIDERED 0.00 0.00 0.00 0.00 0.00 0.00
MULTIPLIER APPLICABLE 1.50 1.50 1.50 1.50 1.50 1.50
Total Income post multiplier 0.00 0.00 0.00 0.00 0.00 0.00
20% Standard Deduction as per Policy 0.00 0.00 0.00 0.00 0.00 0.00
Net Income post deduction 0.00 0.00 0.00 0.00 0.00 0.00
MAX Annual Income under GM/GR 0.00

EMI Per Lac 1101

HL/HE/BT Component Topup Component
PROPOSED LOAN AMOUNT 0.00
Tenor 240 180
ROI 12.00% 12.00%
FOIR WOULD BE @ 100% FOR RTR / BT / BANKING PROGRAMS
EMI 0.00 0.00
FOIR #DIV/0!
LTV CALCULATIONS FOR COP AND MV
Property Details Property I Property II

Property Address

Valuer 1 Name MANISH RUPARELIYA 0.00

Valuer 2 Name MANISH RUPARELIYA 0.00

Final Valuation 0.00 0.00

Property I Property II

AGREEMENT VALUE (N/A FOR BT / BT +

0.00 0.00
Topup / LAP CASES)
Stamp Duty 0.00 0.00
Regn. Charges 0.00 0.00

CONSTN/ FINISHING / EXTRA AMENITIES

AGREEMENT (N/A FOR HOME EQUITY CASES) 0.00 0.00

Total Property Value 0.00 0.00

LTV on COP #DIV/0! #DIV/0!

LTV on MV #DIV/0! #DIV/0!

CREDIT APPRAISER COMMENTS

DEVIATIONS & MITIGANTS

Deviations Mitigants

KEY STRENGTHS KEY WEAKNESS

PSD CONDITIONS

Recommended by Approved By
Financial Analysis Tool

Current Year Previous Yr

Monday, November 04, 2019 (FY 17 18) (FY 16 17)

PROFIT & LOSS ACCOUNT 31-Mar-15 31-Mar-14

Sales excluding other incomes non incidental to Business 0 0
Other Income (incidental to Business) 0 0
Cost of goods sold (COGS) 0 0
Gross Profits (GP) 0 0
Gross Margin % #DIV/0! #DIV/0!
Admin Expenses 0 0
Selling & Mktg Expenses 0 0
Salary/ Employee benefit Expenses 0 0
Add back Partner's/Directors Salary 0 0
Add Partner's Interest 0 0
Business Margins 0 0
Business Margins % #DIV/0! #DIV/0!
Other Income (non incidental to Business) 0 0
Profit before Depreciation, Interest & Tax (PBDIT) (E+F) 0 0
PBDIT (C17-C12-C13) 0 0
Interest to FI and Banks 0 0
Interest to Private Parties 0 0
Total Interest Paid 0 0
Profit Before Depreciation & Tax (PBDT) 0 0
Depreciation 0 0
Profit before Tax (PBT) 0 0
Tax Paid 0 0
Profit After Tax (PAT) 0 0
Post tax Cash profits + sal. + partners int. 0 0
Net Profit Ratio #DIV/0! #DIV/0!

BALANCE SHEET 31-Mar-15 31-Mar-14

Proprietors Capital (Excluding Profit for the Year) 0 0
Profit for the Year 0 0
Advances to group co/friends 0 0
From Family and Friends (non interest bearing) 0 0
Misc. Exp. Not written of 0 0
Total Equity Fund 0 0
Secured Debt (Term Loans) 0 0
CC limit 0 0
Unsecured Debt - PL 0 0
Unsecured Debt - others (including intt bearing loans from family & 0 0
friends)
Total Outside Debts 0 0
Total Fund in the business 0 0
Gross Fixed Assets 0 0
Less : Depreciation 0 0
Net Fixed Assets 0 0

Investments 0 0

Current Assets
Stock 0 0
Debtors 0 0
- exceeding six months 0 0
- less than six months later 0 0
Loans and Advances ( other than those given to group co. / 0 0
friends)
Other Current Assets 0 0
Cash and Bank 0 0
Total Current Assets 0 0
Total Assets 0 0
Current Liabilities 0 0
Creditors 0 0
Other Liab. 0 0
Provisions (for exps, tax, div. etc.) 0 0
Residual Current Assets 0 0

Any working capital limts which is not part of secured loans 0 0

Net Working Capital 0 0

Deferred Tax Assets / (Liab.) 0 0
Total Application of Funds 0 0
Total Funds for the business 0 0

Difference in B/S 0 0

SNAPSHOT OF FINANCIALS
Financial figures in Rs Lacs 31-Mar-15 31-Mar-14
Sales/Receipts 0.00 0.00
Other Income 0.00 0.00
Operating Profits 0.00 0.00
Depreciation 0.00 0.00
Interest Expense 0.00 0.00
PAT 0.00 0.00
Secured Debt 0.00 0.00
Unsecured Debt 0.00 0.00
Total Liabilities 0.00 0.00
Total Stockholders’ Equity 0.00 0.00
 SNAPSHOT OF RATIOS
Current Ratio #DIV/0! #DIV/0!
Debtors period #DIV/0! #DIV/0!
Creditors Period #DIV/0! #DIV/0!
Debt-to-Equity #DIV/0! #DIV/0!
Interest Coverage Ratio #DIV/0! #DIV/0!
Debt Service Coverage Ratio #DIV/0! #DIV/0!
Total Outside Liabilities / Tangible Net Worth #DIV/0! #DIV/0!

All Figures in Rs Lakhs

CASH FLOW STATEMENT 31-Mar-15 31-Mar-14
Cash Flow from Operating Activity
Net profit Before Taxes and prior period adjustments 0 0
Adjustment for:
Non Cash Expenses W/off
Depreciation 0 0
Interest on Loan 0 0
Operating Profit before working capital changes 0 0
Decrease (increase) in sundry debtors 0 0
Decrease (increase) in inventories 0 0
Decrease (Increase) in Loans and advances 0 0
Decrease (Increase) in Other Current Assets 0 0
Increase (decrease) in Sundry Creditors 0 0
Increase (Decrease) in Other liabilities 0 0
Increase (Decrease) in Tax / other Provisions 0 0

Increase (Decrease) in Other Working Capital Liabilities 0 0

Cash Generated from Operations 0 0

Net cash flow from operating activities 0 0

Cash Flow from Investing Activity
Addition in Fixed Assets (net of sale) 0 0
Decrease/ (Increase) in Investments 0 0
Net cash flows from investing activities 0 0
Cash Flow from Financing Activity
Capital Introduced / (Withdrawn) 0 0
Increase (decrease) in CC 0 0
Increase (decrease) in Secured Loans 0 0

Increase (decrease) in Loans from Partners/Shareholders 0 0

Interest Paid 0 0
Net cash flows from financing activities 0 0
Net increase (decrease) in cash 0 0
Opening Cash Balance 0 0
Closing Cash Balance 0 0
Cash Balance as per Balance Sheet 0 0
Difference 0 0
EAST
WEST
NORTH
SOUTH
DSA
DST
12
 24
36
MANUFACTURING
TRADING
SERVICES PROVIDER
MANUF/TRADER
POSITIVE
NEGATIVE
REFER TO CR
 ITR Filling Date

Previous Yr Previous Yr Previous Yr Fig FY 2013-2014

(FY 12-13)

31-Mar-13 31-Mar-12 31-Mar-11 Inc./Dec. FY 2012-2013

0 0 0 #DIV/0! #DIV/0!
0 0 0 #DIV/0!
0 0 0 #DIV/0!
0 0 0 #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
0 0 0 #DIV/0!
0 0 0 #DIV/0!
0 0 0 #DIV/0!
0 0 0 #DIV/0!
0 0 0 #DIV/0!
0 0 0 #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
0 0 0 #DIV/0!
0 0 0 #DIV/0!
0 0 0 #DIV/0!
0 0 0 #DIV/0! Ratios
0 0 0 #DIV/0! Interest Coverage Ratio
0 0 0 #DIV/0!
0 0 0 #DIV/0! Debt to Equity as per Policy
0 0 0 #DIV/0!
0 0 0 #DIV/0! Current Ratio Norm
0 0 0 #DIV/0!
0 0 0 #DIV/0! Total liability_Networth Norm
0 0 0 #DIV/0!
#DIV/0! #DIV/0! #DIV/0! Fixed Asset Turnover
Total Asset Turnover

Return on Total Assets (ROA)

31-Mar-13 31-Mar-12 31-Mar-11 Inc./Dec. Return on Equity (ROE)
0 0 0 #DIV/0! Ratio Analysis: Profitability
0 0 0 #DIV/0! Gross Margins
0 0 0 #DIV/0! Business Margins
0 0 0 #DIV/0! Net Business Margins
0 0 0 #DIV/0! Net Operating Margins
0 0 0 Net Profit Margins
0 0 0 #DIV/0! Interest Coverage Ratio
0 0 0 #DIV/0! ROE (Post tax)
0 0 0 #DIV/0! Ratio Analysis: Balance Sheet
0 0 0 #DIV/0! Debt Equity without working capital
0 0 0 #DIV/0! Total borrowings/ Equity
0 0 0 #DIV/0! L/Term Debts / Fixed Assets

0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
(Rs. In Lacs)
31-Mar-13 31-Mar-12 31-Mar-11
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
Turnover / Current Assets
0 #DIV/0! Turnover / Fixed Assets
0 #DIV/0! Turnover / Total Assets
0 #DIV/0! Current Ratio
0 #DIV/0! Ratio Analysis: Working Capital
#DIV/0! % of Loans and Advances to Equity in
business
Debtors Collection Period
0 #DIV/0! Creditors Payment Period
0 #DIV/0! Stock Replenishment Period
0 #DIV/0! Working Capital Gap
0 #DIV/0! Cash Credit Days
0 #DIV/0! Other Exp. Payment days
0 #DIV/0!
0 #DIV/0! Period of Vat returns
0 #DIV/0! Apr-12
0 May-12
0 #DIV/0! Jun-12
0 #DIV/0! Jul-12
0 #DIV/0! Aug-12
0 #DIV/0! Sep-12
0 #DIV/0! Oct-12
0 #DIV/0! Nov-12
0 #DIV/0! Dec-12
0 #DIV/0! Jan-13
0 #DIV/0! Feb-13
0 #DIV/0! Mar-13
Total :------------------------
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
 #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!

31-Mar-13 31-Mar-12 31-Mar-11

NA NA NA

NA NA NA
NA NA NA
#VALUE! #VALUE! #VALUE!
NA NA NA
NA NA NA
NA NA NA
NA NA NA
NA NA NA
NA NA NA
NA NA NA

NA NA NA
NA NA NA

#VALUE! #VALUE! #VALUE!

NA NA NA
NA NA NA
#VALUE! #VALUE! #VALUE!

NA NA NA
NA NA NA
NA NA NA

NA NA NA
NA NA NA
#VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE!
NA NA #VALUE!
0 #VALUE! #VALUE!
0 0 0
0 #VALUE! #VALUE!
Date

31-Mar-15 31-Mar-14 31-Mar-13 31-Mar-12 31-Mar-11

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
31-Mar-15 31-Mar-14 31-Mar-13 31-Mar-12 31-Mar-11
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.00 0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
31-Mar-15 31-Mar-14 31-Mar-13 31-Mar-12 31-Mar-11
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

31-Mar-15 31-Mar-14 31-Mar-13 31-Mar-12 31-Mar-11

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

Sales in Rs.
Financial Analysis Tool

Provisional Current Year Previous Yr

Monday, November 04, 2019 (FY 14-15) (FY 13-14) (FY 12-13)

PROFIT & LOSS ACCOUNT 31-Mar-15 31-Mar-14 31-Mar-13

Sales excluding other incomes non incidental to Business 0 0 0

Other Income (incidental to Business) 0 0 0

Cost of goods sold (COGS) 0 0 0
Gross Profits (GP) 0 0 0
Gross Margin % #DIV/0! #DIV/0! #DIV/0!
Admin Expenses 0 0 0
Selling & Mktg Expenses 0 0 0
Salary/ Employee benefit Expenses 0 0 0
Add back Partner's/Directors Salary 0 0 0
Add Partner's Interest 0 0 0
Business Margins 0 0 0
Business Margins % #DIV/0! #DIV/0! #DIV/0!
Other Income (non incidental to Business) 0 0 0
Profit before Depreciation, Interest & Tax (PBDIT) (E+F) 0 0 0
PBDIT (C17-C12-C13) 0 0 0
Interest to FI and Banks 0 0 0
Interest to Private Parties 0 0 0
Total Interest Paid 0 0 0
Profit Before Depreciation & Tax (PBDT) 0 0 0
Depreciation 0 0 0
Profit before Tax (PBT) 0 0 0
Tax Paid 0 0 0
Profit After Tax (PAT) 0 0 0
Post tax Cash profits + sal. + partners int. 0 0 0
Net Profit Ratio #DIV/0! #DIV/0! #DIV/0!

BALANCE SHEET 31-Mar-15 31-Mar-14 31-Mar-13

Proprietors Capital (Excluding Profit for the Year) 0 0 0
Profit for the Year 0 0 0
Advances to group co/friends 0 0 0
From Family and Friends (non interest bearing) 0 0 0
Misc. Exp. Not written of 0 0 0
Total Equity Fund 0 0 0
Secured Debt (Term Loans) 0 0 0
CC limit 0 0 0
Unsecured Debt - PL 0 0 0
Unsecured Debt - others (including intt bearing loans from family & 0 0 0
friends)
Total Outside Debts 0 0 0
Total Fund in the business 0 0 0

Gross Fixed Assets 0 0 0

Less : Depreciation 0 0 0
Net Fixed Assets 0 0 0

Investments 0 0 0

Current Assets
Stock 0 0 0
Debtors 0 0 0
- exceeding six months 0 0 0
- less than six months later 0 0 0
Loans and Advances ( other than those given to group co. / 0 0 0
friends)
Other Current Assets 0 0 0
Cash and Bank 0 0 0
Total Current Assets 0 0 0
Total Assets 0 0 0
Current Liabilities 0 0 0
Creditors 0 0 0
Other Liab. 0 0 0
Provisions (for exps, tax, div. etc.) 0 0 0
Residual Current Assets 0 0 0

Any working capital limts which is not part of secured loans 0 0 0

Net Working Capital 0 0 0

Deferred Tax Assets / (Liab.) 0 0 0
Total Application of Funds 0 0 0
Total Funds for the business 0 0 0

Difference in B/S 0 0 0

SNAPSHOT OF FINANCIALS
Financial figures in Rs Lacs 31-Mar-15 31-Mar-14 31-Mar-13
Sales/Receipts 0.00 0.00 0.00
Other Income 0.00 0.00 0.00
Operating Profits 0.00 0.00 0.00
Depreciation 0.00 0.00 0.00
Interest Expense 0.00 0.00 0.00
PAT 0.00 0.00 0.00
Secured Debt 0.00 0.00 0.00
Unsecured Debt 0.00 0.00 0.00
Total Liabilities 0.00 0.00 0.00
Total Stockholders’ Equity 0.00 0.00 0.00
SNAPSHOT OF RATIOS
Current Ratio #DIV/0! #DIV/0! #DIV/0!
Debtors period #DIV/0! #DIV/0! #DIV/0!
Creditors Period #DIV/0! #DIV/0! #DIV/0!
Debt-to-Equity #DIV/0! #DIV/0! #DIV/0!
Interest Coverage Ratio #DIV/0! #DIV/0! #DIV/0!
Debt Service Coverage Ratio #DIV/0! #DIV/0! #DIV/0!
Total Outside Liabilities / Tangible Net Worth #DIV/0! #DIV/0! #DIV/0!

All Figures in Rs Lakhs

CASH FLOW STATEMENT 31-Mar-15 31-Mar-14 31-Mar-13
Cash Flow from Operating Activity
Net profit Before Taxes and prior period adjustments 0 0 NA
Adjustment for:
Non Cash Expenses W/off
Depreciation 0 0 NA
Interest on Loan 0 0 NA
Operating Profit before working capital changes 0 0 #VALUE!
Decrease (increase) in sundry debtors 0 0 NA
Decrease (increase) in inventories 0 0 NA
Decrease (Increase) in Loans and advances 0 0 NA
Decrease (Increase) in Other Current Assets 0 0 NA
Increase (decrease) in Sundry Creditors 0 0 NA
Increase (Decrease) in Other liabilities 0 0 NA
Increase (Decrease) in Tax / other Provisions 0 0 NA

Increase (Decrease) in Other Working Capital Liabilities 0 0 NA

Cash Generated from Operations 0 0 NA

Net cash flow from operating activities 0 0 #VALUE!

Cash Flow from Investing Activity
Addition in Fixed Assets (net of sale) 0 0 NA
Decrease/ (Increase) in Investments 0 0 NA
Net cash flows from investing activities 0 0 #VALUE!
Cash Flow from Financing Activity
 Capital Introduced / (Withdrawn) 0 0 NA
Increase (decrease) in CC 0 0 NA
Increase (decrease) in Secured Loans 0 0 NA

Increase (decrease) in Loans from Partners/Shareholders 0 0 NA

Interest Paid 0 0 NA
Net cash flows from financing activities 0 0 #VALUE!
Net increase (decrease) in cash 0 0 #VALUE!
Opening Cash Balance 0 0 NA
Closing Cash Balance 0 0 0
Cash Balance as per Balance Sheet 0 0 0
Difference 0 0 0
EAST
WEST
NORTH
SOUTH
DSA
DST
12
24
36
MANUFACTURING
TRADING
SERVICES PROVIDER
MANUF/TRADER
POSITIVE
NEGATIVE
REFER TO CR
 ITR Filling Date Date

Previous Yr Previous Yr Fig FY 2014-2015

31-Mar-12 31-Mar-11 Inc./Dec. FY 2013-2014

0 0 #DIV/0! #DIV/0!

0 0 #DIV/0!
0 0 #DIV/0!
0 0 #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
0 0 #DIV/0!
0 0 #DIV/0!
0 0 #DIV/0!
0 0 #DIV/0!
0 0 #DIV/0!
0 0 #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
0 0 #DIV/0!
0 0 #DIV/0!
0 0 #DIV/0!
0 0 #DIV/0! Ratios 31-Mar-15
0 0 #DIV/0! Interest Coverage Ratio #DIV/0!
0 0 #DIV/0!
0 0 #DIV/0! Debt to Equity as per Policy #DIV/0!
0 0 #DIV/0!
0 0 #DIV/0! Current Ratio Norm #DIV/0!
0 0 #DIV/0!
0 0 #DIV/0! Total liability_Networth Norm #DIV/0!
0 0 #DIV/0!
#DIV/0! #DIV/0! Fixed Asset Turnover #DIV/0!
Total Asset Turnover #DIV/0!

Return on Total Assets (ROA) #DIV/0!

31-Mar-12 31-Mar-11 Inc./Dec. Return on Equity (ROE) #DIV/0!
0 0 #DIV/0! Ratio Analysis: Profitability 31-Mar-15
0 0 #DIV/0! Gross Margins #DIV/0!
0 0 #DIV/0! Business Margins 0.00
0 0 #DIV/0! Net Business Margins #DIV/0!
0 0 #DIV/0! Net Operating Margins #DIV/0!
0 0 Net Profit Margins 0.00
0 0 #DIV/0! Interest Coverage Ratio #DIV/0!
0 0 #DIV/0! ROE (Post tax) #DIV/0!
 0 0 #DIV/0! Ratio Analysis: Balance Sheet 31-Mar-15

0 0 #DIV/0! Debt Equity without working capital #DIV/0!

0 0 #DIV/0! Total borrowings/ Equity #DIV/0!

0 0 #DIV/0! L/Term Debts / Fixed Assets #DIV/0!
Turnover / Current Assets #DIV/0!
0 0 #DIV/0! Turnover / Fixed Assets #DIV/0!
0 0 #DIV/0! Turnover / Total Assets #DIV/0!
0 0 #DIV/0! Current Ratio #DIV/0!

0 0 #DIV/0! Ratio Analysis: Working Capital 31-Mar-15

% of Loans and Advances to Equity in
#DIV/0! business
Debtors Collection Period #DIV/0!
0 0 #DIV/0! Creditors Payment Period #DIV/0!
0 0 #DIV/0! Stock Replenishment Period #DIV/0!
0 0 #DIV/0! Working Capital Gap #DIV/0!
0 0 #DIV/0! Cash Credit Days #DIV/0!

0 0 #DIV/0! Other Exp. Payment days #DIV/0!

0 0 #DIV/0!
0 0 #DIV/0! Period of Vat returns Sales in Rs.
0 0 #DIV/0! Apr-12
0 0 May-12
0 0 #DIV/0! Jun-12
0 0 #DIV/0! Jul-12
0 0 #DIV/0! Aug-12
0 0 #DIV/0! Sep-12
0 0 #DIV/0! Oct-12

0 0 #DIV/0! Nov-12

0 0 #DIV/0! Dec-12
0 0 #DIV/0! Jan-13
0 0 #DIV/0! Feb-13
0 0 #DIV/0! Mar-13
Total :------------------------
0 0

(Rs. In Lacs)

31-Mar-12 31-Mar-11
0.00 0.00
0.00 0.00
 0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00

#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!

31-Mar-12 31-Mar-11

NA NA

NA NA
NA NA
#VALUE! #VALUE!
NA NA
NA NA
NA NA
NA NA
NA NA
NA NA
NA NA

NA NA
NA NA

#VALUE! #VALUE!

NA NA
NA NA
#VALUE! #VALUE!
 NA NA
NA NA
NA NA

NA NA
NA NA
#VALUE! #VALUE!
#VALUE! #VALUE!
NA #VALUE!
#VALUE! #VALUE!
0 0
#VALUE! #VALUE!
31-Mar-14 31-Mar-13 31-Mar-12 31-Mar-11
#DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0!
31-Mar-14 31-Mar-13 31-Mar-12 31-Mar-11
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
31-Mar-14 31-Mar-13 31-Mar-12 31-Mar-11

#DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!

31-Mar-14 31-Mar-13 31-Mar-12 31-Mar-11

#DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0!

Financial Analysis Tool

Provisional Current Year Previous Yr

Monday, November 04, 2019 (FY 14-15) (FY 13-14) (FY 12-13)

PROFIT & LOSS ACCOUNT 31-Mar-15 31-Mar-14 31-Mar-13

Sales excluding other incomes non incidental to Business 0 0 0

Other Income (incidental to Business) 0 0 0

Cost of goods sold (COGS) 0 0 0
Gross Profits (GP) 0 0 0
Gross Margin % #DIV/0! #DIV/0! #DIV/0!
Admin Expenses 0 0 0
Selling & Mktg Expenses 0 0 0
Salary/ Employee benefit Expenses 0 0 0
Add back Partner's/Directors Salary 0 0 0
Add Partner's Interest 0 0 0
Business Margins 0 0 0
Business Margins % #DIV/0! #DIV/0! #DIV/0!
Other Income (non incidental to Business) 0 0 0
Profit before Depreciation, Interest & Tax (PBDIT) (E+F) 0 0 0
PBDIT (C17-C12-C13) 0 0 0
Interest to FI and Banks 0 0 0
Interest to Private Parties 0 0 0
Total Interest Paid 0 0 0
Profit Before Depreciation & Tax (PBDT) 0 0 0
Depreciation 0 0 0
Profit before Tax (PBT) 0 0 0
Tax Paid 0 0 0
Profit After Tax (PAT) 0 0 0
Post tax Cash profits + sal. + partners int. 0 0 0
Net Profit Ratio #DIV/0! #DIV/0! #DIV/0!

BALANCE SHEET 31-Mar-15 31-Mar-14 31-Mar-13

Proprietors Capital (Excluding Profit for the Year) 0 0 0
Profit for the Year 0 0 0
Advances to group co/friends 0 0 0
From Family and Friends (non interest bearing) 0 0 0
Misc. Exp. Not written of 0 0 0
Total Equity Fund 0 0 0
Secured Debt (Term Loans) 0 0 0
CC limit 0 0 0
Unsecured Debt - PL 0 0 0
Unsecured Debt - others (including intt bearing loans from family & 0 0 0
friends)
Total Outside Debts 0 0 0
Total Fund in the business 0 0 0

Gross Fixed Assets 0 0 0

Less : Depreciation 0 0 0
Net Fixed Assets 0 0 0

Investments 0 0 0

Current Assets
Stock 0 0 0
Debtors 0 0 0
- exceeding six months 0 0 0
- less than six months later 0 0 0
Loans and Advances ( other than those given to group co. / 0 0 0
friends)
Other Current Assets 0 0 0
Cash and Bank 0 0 0
Total Current Assets 0 0 0
Total Assets 0 0 0
Current Liabilities 0 0 0
Creditors 0 0 0
Other Liab. 0 0 0
Provisions (for exps, tax, div. etc.) 0 0 0
Residual Current Assets 0 0 0

Any working capital limts which is not part of secured loans 0 0 0

Net Working Capital 0 0 0

Deferred Tax Assets / (Liab.) 0 0 0
Total Application of Funds 0 0 0
Total Funds for the business 0 0 0

Difference in B/S 0 0 0

SNAPSHOT OF FINANCIALS
Financial figures in Rs Lacs 31-Mar-15 31-Mar-14 31-Mar-13
Sales/Receipts 0.00 0.00 0.00
Other Income 0.00 0.00 0.00
Operating Profits 0.00 0.00 0.00
Depreciation 0.00 0.00 0.00
Interest Expense 0.00 0.00 0.00
PAT 0.00 0.00 0.00
Secured Debt 0.00 0.00 0.00
Unsecured Debt 0.00 0.00 0.00
Total Liabilities 0.00 0.00 0.00
Total Stockholders’ Equity 0.00 0.00 0.00
SNAPSHOT OF RATIOS
Current Ratio #DIV/0! #DIV/0! #DIV/0!
Debtors period #DIV/0! #DIV/0! #DIV/0!
Creditors Period #DIV/0! #DIV/0! #DIV/0!
Debt-to-Equity #DIV/0! #DIV/0! #DIV/0!
Interest Coverage Ratio #DIV/0! #DIV/0! #DIV/0!
Debt Service Coverage Ratio #DIV/0! #DIV/0! #DIV/0!
Total Outside Liabilities / Tangible Net Worth #DIV/0! #DIV/0! #DIV/0!

All Figures in Rs Lakhs

CASH FLOW STATEMENT 31-Mar-15 31-Mar-14 31-Mar-13
Cash Flow from Operating Activity
Net profit Before Taxes and prior period adjustments 0 0 NA
Adjustment for:
Non Cash Expenses W/off
Depreciation 0 0 NA
Interest on Loan 0 0 NA
Operating Profit before working capital changes 0 0 #VALUE!
Decrease (increase) in sundry debtors 0 0 NA
Decrease (increase) in inventories 0 0 NA
Decrease (Increase) in Loans and advances 0 0 NA
Decrease (Increase) in Other Current Assets 0 0 NA
Increase (decrease) in Sundry Creditors 0 0 NA
Increase (Decrease) in Other liabilities 0 0 NA
Increase (Decrease) in Tax / other Provisions 0 0 NA

Increase (Decrease) in Other Working Capital Liabilities 0 0 NA

Cash Generated from Operations 0 0 NA

Net cash flow from operating activities 0 0 #VALUE!

Cash Flow from Investing Activity
Addition in Fixed Assets (net of sale) 0 0 NA
Decrease/ (Increase) in Investments 0 0 NA
Net cash flows from investing activities 0 0 #VALUE!
Cash Flow from Financing Activity
 Capital Introduced / (Withdrawn) 0 0 NA
Increase (decrease) in CC 0 0 NA
Increase (decrease) in Secured Loans 0 0 NA

Increase (decrease) in Loans from Partners/Shareholders 0 0 NA

Interest Paid 0 0 NA
Net cash flows from financing activities 0 0 #VALUE!
Net increase (decrease) in cash 0 0 #VALUE!
Opening Cash Balance 0 0 NA
Closing Cash Balance 0 0 0
Cash Balance as per Balance Sheet 0 0 0
Difference 0 0 0
EAST
WEST
NORTH
SOUTH
DSA
DST
12
24
36
MANUFACTURING
TRADING
SERVICES PROVIDER
MANUF/TRADER
POSITIVE
NEGATIVE
REFER TO CR
 ITR Filling Date Date

Previous Yr Previous Yr Fig FY 2013-2014

31-Mar-12 31-Mar-11 Inc./Dec. FY 2012-2013

0 0 #DIV/0! #DIV/0!

0 0 #DIV/0!
0 0 #DIV/0!
0 0 #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
0 0 #DIV/0!
0 0 #DIV/0!
0 0 #DIV/0!
0 0 #DIV/0!
0 0 #DIV/0!
0 0 #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
0 0 #DIV/0!
0 0 #DIV/0!
0 0 #DIV/0!
0 0 #DIV/0! Ratios 31-Mar-15
0 0 #DIV/0! Interest Coverage Ratio #DIV/0!
0 0 #DIV/0!
0 0 #DIV/0! Debt to Equity as per Policy #DIV/0!
0 0 #DIV/0!
0 0 #DIV/0! Current Ratio Norm #DIV/0!
0 0 #DIV/0!
0 0 #DIV/0! Total liability_Networth Norm #DIV/0!
0 0 #DIV/0!
#DIV/0! #DIV/0! Fixed Asset Turnover #DIV/0!
Total Asset Turnover #DIV/0!

Return on Total Assets (ROA) #DIV/0!

31-Mar-12 31-Mar-11 Inc./Dec. Return on Equity (ROE) #DIV/0!
0 0 #DIV/0! Ratio Analysis: Profitability 31-Mar-15
0 0 #DIV/0! Gross Margins #DIV/0!
0 0 #DIV/0! Business Margins 0.00
0 0 #DIV/0! Net Business Margins #DIV/0!
0 0 #DIV/0! Net Operating Margins #DIV/0!
0 0 Net Profit Margins 0.00
0 0 #DIV/0! Interest Coverage Ratio #DIV/0!
0 0 #DIV/0! ROE (Post tax) #DIV/0!
 0 0 #DIV/0! Ratio Analysis: Balance Sheet 31-Mar-15

0 0 #DIV/0! Debt Equity without working capital #DIV/0!

0 0 #DIV/0! Total borrowings/ Equity #DIV/0!

0 0 #DIV/0! L/Term Debts / Fixed Assets #DIV/0!
Turnover / Current Assets #DIV/0!
0 0 #DIV/0! Turnover / Fixed Assets #DIV/0!
0 0 #DIV/0! Turnover / Total Assets #DIV/0!
0 0 #DIV/0! Current Ratio #DIV/0!

0 0 #DIV/0! Ratio Analysis: Working Capital 31-Mar-15

% of Loans and Advances to Equity in
#DIV/0! business
Debtors Collection Period #DIV/0!
0 0 #DIV/0! Creditors Payment Period #DIV/0!
0 0 #DIV/0! Stock Replenishment Period #DIV/0!
0 0 #DIV/0! Working Capital Gap #DIV/0!
0 0 #DIV/0! Cash Credit Days #DIV/0!

0 0 #DIV/0! Other Exp. Payment days #DIV/0!

0 0 #DIV/0!
0 0 #DIV/0! Period of Vat returns Sales in Rs.
0 0 #DIV/0! Apr-12
0 0 May-12
0 0 #DIV/0! Jun-12
0 0 #DIV/0! Jul-12
0 0 #DIV/0! Aug-12
0 0 #DIV/0! Sep-12
0 0 #DIV/0! Oct-12

0 0 #DIV/0! Nov-12

0 0 #DIV/0! Dec-12
0 0 #DIV/0! Jan-13
0 0 #DIV/0! Feb-13
0 0 #DIV/0! Mar-13
Total :------------------------
0 0

(Rs. In Lacs)

31-Mar-12 31-Mar-11
0.00 0.00
0.00 0.00
 0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00

#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!

31-Mar-12 31-Mar-11

NA NA

NA NA
NA NA
#VALUE! #VALUE!
NA NA
NA NA
NA NA
NA NA
NA NA
NA NA
NA NA

NA NA
NA NA

#VALUE! #VALUE!

NA NA
NA NA
#VALUE! #VALUE!
 NA NA
NA NA
NA NA

NA NA
NA NA
#VALUE! #VALUE!
#VALUE! #VALUE!
NA #VALUE!
#VALUE! #VALUE!
0 0
#VALUE! #VALUE!
31-Mar-14 31-Mar-13 31-Mar-12 31-Mar-11
#DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0!
31-Mar-14 31-Mar-13 31-Mar-12 31-Mar-11
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
0.00 0.00 0.00 0.00
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
31-Mar-14 31-Mar-13 31-Mar-12 31-Mar-11

#DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!

31-Mar-14 31-Mar-13 31-Mar-12 31-Mar-11

#DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0!

 Co nsidered fo r Cons ider ed for Scorecard
Sr. No. Name of borrower Bank Name Loan Type Loan start date Loan Amount EMI in Rs Loan O/s Original Tenor Paid Tenor O/s Tenor FOIR Considered for RTR FOIR Considered for RTR Live/Closed/To be Closed Bounces Remarks
Summary -
Existing Loans Bo unces (Last Multiplier Pr opos ed
Total Last 12 Months (PL/B L/HE/HL) 12 M onths ) No of Installments Applicab le EMI Amount Loan Amount EM I Amou nt
0 Yes 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 No. of Installments Multiplier
0 Yes 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 6-8 1
0 Yes 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 9-12 1.5
0 Yes 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 13-35 1.8
0 No 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 36 & Above 2.1
0 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00
0 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00
0 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00
0 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00
0 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00
0 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00
0 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00
0 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00
0 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00
Total of Loan Obligated 0.00 0 0 0.00 0.00

RTR Multiplier 0.00

 BL
Live Yes

Closed No HE/LAP

To be closed from our BT Disb Amount. HL

To be closed from our Topup Disb Amount. WCDL
To be Closed by customer TL
< 12 Months AL
CEQ
LAS
CD
GL
AGRI
EL
CV
SME
PF
CF
ME
FE
TW
 Business Loan

Home Equity

Home Loan
Working Capital Loan
Term Loan
Auto Loan
Construction Equipment
Loan Against Shares
Consumer Durables
Gold Loan
Agricultural Loan
Education Loan
Commercial Vehicle Loan
Small and Medium Enterprises
Project Finance
Construction Finance
Medical Equipment
Farm Equipment
Two Wheeler
 Applicant Details Income Tax Calulator
Name of Applicant 0 Slab Deduction Closing balance I Tax In % I Tax Amt
Name of Organisation 0 Standard Ded 200000 -200000 0% 0
Grade / Designation 0 0-2.5 Lacs 250000 -450000 0% 0
Amount (Rs.) 2.5-5 Lacs 250000 -700000 10% 25000
Considered for Loan
Nature of
Particulars % Allocated eligibility (Rs.) (Average
Component Mar-18 Feb-18 Jan-18 Average Salary * % Allocated) 5-10 Lacs 500000 -1200000 20% 100000

Add Fixed BANK SALARIED 0.00 0.00 0.00 0.00 100% 0.00 Above 10 Lacs -1200000 0 30% -360000
Add Fixed 0.00 0.00 0.00 0.00 100% 0.00 Total Income 0 Yearly Tax -235000
Add Fixed 0.00 0.00 0.00 0.00 100% 0.00 Monthly Tax -19583.33
Add Fixed 0.00 0.00 0.00 0.00 100% 0.00
Add Fixed 0.00 0.00 0.00 0.00 100% 0.00
Add Fixed 0.00 0.00 0.00 0.00 100% 0.00
Add Fixed 0.00 0.00 0.00 0.00 100% 0.00
Add Fixed 0.00 0.00 0.00 0.00 100% 0.00
Add Fixed 0.00 0.00 0.00 0.00 100% 0.00 Income Tax
Net Salary Post Tax
Add Fixed 0.00 0.00 0.00 0.00 100% 0.00 (Enter Manually from P9 Column Above)
Gross Earnings Per Month 0.00 0.00 0.00 0.00 100.00 0.00 0.00 0.00 0.00
Less Fixed 0.00 0.00 0.00 0.00 100% 0.00
Less Fixed 0.00 0.00 0.00 0.00 100% 0.00
Less Fixed 0.00 0.00 0.00 0.00 100% 0.00
Less Fixed 0.00 0.00 0.00 0.00 100% 0.00
Less Fixed 0.00 0.00 0.00 0.00 100% 0.00
Less Fixed 0.00 0.00 0.00 0.00 100% 0.00
Less Fixed 0.00 0.00 0.00 0.00 100% 0.00
Less Fixed 0.00 0.00 0.00 0.00 100% 0.00
Less Fixed 0.00 0.00 0.00 0.00 100% 0.00
Less Fixed 0.00 0.00 0.00 0.00 100% 0.00
Gross Deductions Per Month 0.00 0.00 0.00 0.00 100% 0.00
Net Earnings Per Month 0.00 0.00 0.00 0.00 0.00

Form 16 Provided

PF Deducted Current Asst Year Previous Asst Year

Applicant
March 2014 -2015 March 2013 -2014
Yes

Co-Applicant Details
Name of Co-Applicant 0 Income Tax Calulator
Name of Organisation 0 Slab Deduction Closing balance I Tax In % I Tax Amt
Grade / Designation 0 Standard Ded 0 0 0% 0
Amount (Rs.) Considered for Loan 0-2 Lacs 250000 -250000 0% 0
Nature of
Component Particulars % Allocated eligibility (Rs.) (Average
Jan-15 Dec-14 Nov-14 Average Salary * % Allocated) 2-5 Lacs 250000 -500000 10% 25000
Add Fixed 0.00 0.00 0.00 0 100% 0.00 5-10 Lacs 500000 -1000000 20% 100000
Add Fixed 0.00 0.00 0.00 0 100% 0.00 Above 10 Lacs -1000000 0 30% -300000
Add Fixed 0.00 0.00 0.00 0 100% 0.00 Total Income 0 Yearly Tax -175000
Add Fixed 0.00 0.00 0.00 0 100% 0.00 Monthly Tax -14583.33
Add Fixed 0.00 0.00 0.00 0 100% 0.00
Add Fixed 0.00 0.00 0.00 0 100% 0.00
Add Fixed 0.00 0.00 0.00 0 100% 0.00
Add Fixed 0.00 0.00 0.00 0 100% 0.00
Add Fixed 0.00 0.00 0.00 0 100% 0.00 Income Tax
Net Salary Post Tax
Add Fixed 0.00 0.00 0.00 0 100% 0.00 (Enter Manually from P46 Column Above)
Gross Earnings Per Month 0.00 0.00 0.00 0.00 100% 0.00 0.00 0.00 0.00
Less Fixed 0.00 0.00 0.00 0 100% 0.00
Less Fixed 0.00 0.00 0.00 0 100% 0.00
Less Fixed 0.00 0.00 0.00 0 100% 0.00
Less Fixed 0.00 0.00 0.00 0 100% 0.00
Less Fixed 0.00 0.00 0.00 0 100% 0.00
Less Fixed 0.00 0.00 0.00 0 100% 0.00
Less Fixed 0.00 0.00 0.00 0 100% 0.00
Less Fixed 0.00 0.00 0.00 0 100% 0.00
Less Fixed 0.00 0.00 0.00 0 100% 0.00
Less Fixed 0.00 0.00 0.00 0 100% 0.00
Gross Deductions Per Month 0.00 0.00 0.00 0.00 100% 0.00
Net Earnings Per Month 0.00 0.00 0.00 0.00 0.00

Form 16 Provided

PF Deducted Current Year Previous Year

Co-Applicant
March 2014 -2015 March 2013 -2014
Applicant
Account Holder Name :
Bank Name
Account No :
Account Type : Savings

Average Bank Balance Calculator Cheque Bounce (Count)

Salary Credited in I/w Cheque O/w Cheque Total Cheque
Months Bal on 7th Bal on 14th Bal on 21st Bal on 28th ABB No. of Debits Debit Amount No. of Credits Credit Amount bank EMI Reflects Min Balance Returns Returns Bounces
Mar-18 #DIV/0! 0.00 0 0 0 0 0
Feb-18 #DIV/0! 0.00 0 0 0 0 0
Jan-18 #DIV/0! 0.00 0 0 0 0 0
Dec-18 #DIV/0! 0.00 0 0 0 0 0
Nov-17 #DIV/0! 0.00 0 0 0 0 0
Oct-17 #DIV/0! 0.00 0 0 0 0 0
Total #DIV/0! 0.00 0 0 0 0

Applicant
Account Holder Name :
Bank Name
Account No :
Account Type :

Average Bank Balance Calculator Cheque Bounce (Count)

Salary Credited in I/w Cheque O/w Cheque Total Cheque
Months Bal on 7th Bal on 14th Bal on 21st Bal on 28th ABB No. of Debits Debit Amount No. of Credits Credit Amount bank EMI Reflects Min Balance Returns Returns Bounces
Nov-17 0.00 0.00 0.00 0.00 0.00 0.00 0 0 0 0 0
Oct-17 0.00 0.00 0.00 0.00 0.00 0.00 0 0 0 0 0
Sep-17 0.00 0.00 0.00 0.00 0.00 0.00 0 0 0 0 0
Aug-17 0.00 0.00 0.00 0.00 0.00 0.00 0 0 0 0 0
Jul-17 0.00 0.00 0.00 0.00 0.00 0.00 0 0 0 0 0
Jun-17 0.00 0.00 0.00 0.00 0.00 0.00 0 0 0 0 0
Total 0.00 0.00 0 0 0 0

Co-Applicant
Account Holder Name :
Bank Name
Account No :
Account Type :

Average Bank Balance Calculator Cheque Bounce (Count)

Salary Credited in I/w Cheque O/w Cheque Total Cheque
Months Bal on 7th Bal on 14th Bal on 21st Bal on 28th ABB No. of Debits Debit Amount No. of Credits Credit Amount bank EMI Reflects Min Balance Returns Returns Bounces
Nov-14 0.00 0.00 0.00 0.00 0.00 0.00 0 0 0 0 0
Dec-14 0.00 0.00 0.00 0.00 0.00 0.00 0 0 0 0 0
Jan-15 0.00 0.00 0.00 0.00 0.00 0.00 0 0 0 0 0
Feb-15 0.00 0.00 0.00 0.00 0.00 0.00 0 0 0 0 0
Mar-15 0.00 0.00 0.00 0.00 0.00 0.00 0 0 0 0 0
Apr-15 0.00 0.00 0.00 0.00 0.00 0.00 0 0 0 0 0
Total 0.00 0.00 0 0 0 0

Co-Applicant
Account Holder Name :
Bank Name
Account No :
Account Type :

Average Bank Balance Calculator Cheque Bounce (Count)

Salary Credited in I/w Cheque O/w Cheque Total Cheque
Months Bal on 7th Bal on 14th Bal on 21st Bal on 28th ABB No. of Debits Debit Amount No. of Credits Credit Amount bank EMI Reflects Min Balance Returns Returns Bounces
Nov-14 0.00 0.00 0.00 0.00 0.00 - 0 0 0 0 0
Dec-14 0.00 0.00 0.00 0.00 0.00 - 0 0 0 0 0
Jan-15 0.00 0.00 0.00 0.00 0.00 - 0 0 0 0 0
Feb-15 0.00 0.00 0.00 0.00 0.00 - 0 0 0 0 0
Mar-15 0.00 0.00 0.00 0.00 0.00 - 0 0 0 0 0
Apr-15 0.00 0.00 0.00 0.00 0.00 - 0 0 0 0 0
Total 0.00 #DIV/0! 0 0 0 0
Savings
Current
OD
CC
Applicant
Account Holder Name :
Bank Name
Account No :
Account Type :

Average Bank Balance Calculator

Months Bal on 7th Bal on 14th Bal on 21st

Dec-17 0.00 0.00 0.00
Nov-17 0.00 0.00 0.00
Oct-17 0.00 0.00 0.00
Sep-17 0.00 0.00 0.00
Aug-17 0.00 0.00 0.00
Jul-17 0.00 0.00 0.00
Jun-17 0.00 0.00 0.00
0.00 0.00 0.00
0.00 0.00 0.00
0.00 0.00 0.00
0.00 0.00 0.00
0.00 0.00 0.00
Total
ABB for Loan Calculation

Applicant
Account Holder Name :
Bank Name
Account No :
Account Type :

Average Bank Balance Calculator

Months Bal on 7th Bal on 14th Bal on 21st

Dec-17 0.00 0.00 0.00
Nov-17 0.00 0.00 0.00
Oct-17 0.00 0.00 0.00
Sep-17 0.00 0.00 0.00
Aug-17 0.00 0.00 0.00
Jul-17 0.00 0.00 0.00
Jun-17 0.00 0.00 0.00
0.00 0.00 0.00
0.00 0.00 0.00
0.00 0.00 0.00
0.00 0.00 0.00
0.00 0.00 0.00
Total
ABB for Loan Calculation
Co-Applicant
Account Holder Name :
Bank Name
Account No :
Account Type :

Average Bank Balance Calculator

Months Bal on 7th Bal on 14th Bal on 21st

Sep-14 0.00 0.00 0.00
Oct-14 0.00 0.00 0.00
Nov-14 0.00 0.00 0.00
Dec-14 0.00 0.00 0.00
Jan-15 0.00 0.00 0.00
Feb-15 0.00 0.00 0.00
Mar-15 0.00 0.00 0.00
Apr-15 0.00 0.00 0.00
May-15 0.00 0.00 0.00
Jun-15 0.00 0.00 0.00
Jul-15 0.00 0.00 0.00
Aug-15 0.00 0.00 0.00
Total
ABB for Loan Calculation

Co-Applicant
Account Holder Name :
Bank Name
Account No :
Account Type :

Average Bank Balance Calculator

Months Bal on 7th Bal on 14th Bal on 21st

Sep-14 0.00 0.00 0.00
Oct-14 0.00 0.00 0.00
Nov-14 0.00 0.00 0.00
Dec-14 0.00 0.00 0.00
Jan-15 0.00 0.00 0.00
Feb-15 0.00 0.00 0.00
Mar-15 0.00 0.00 0.00
Apr-15 0.00 0.00 0.00
May-15 0.00 0.00 0.00
Jun-15 0.00 0.00 0.00
Jul-15 0.00 0.00 0.00
Aug-15 0.00 0.00 0.00
Total
ABB for Loan Calculation
 Bal on 28th ABB No. of Debits Debit Amount No. of Credits
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00
r Loan Calculation 0.00

Bal on 28th ABB No. of Debits Debit Amount No. of Credits

0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00
r Loan Calculation 0.00
 Bal on 28th ABB No. of Debits Debit Amount No. of Credits
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00
r Loan Calculation 0.00

Bal on 28th ABB No. of Debits Debit Amount No. of Credits

0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00
r Loan Calculation 0.00
 Cheque Bounce (Count)
Salary Credited in I/w Cheque
Credit Amount bank EMI Reflects Min Balance Returns
0.00 0 0 0
0.00 0 0 0
0.00 0 0 0
0.00 0 0 0
0.00 0 0 0
0.00 0 0 0
0.00 0 0 0
0.00 0 0 0
0.00 0 0 0
0.00 0 0 0
0.00 0 0 0
0.00 0 0 0
0.00 0 0

Cheque Bounce (Count)

Salary Credited in I/w Cheque
Credit Amount bank EMI Reflects Min Balance Returns
0.00 0 0 0
0.00 0 0 0
0.00 0 0 0
0.00 0 0 0
0.00 0 0 0
0.00 0 0 0
0.00 0 0 0
0.00 0 0 0
0.00 0 0 0
0.00 0 0 0
0.00 0 0 0
0.00 0 0 0
0.00 0 0
 Cheque Bounce (Count)
Salary Credited in I/w Cheque
Credit Amount bank EMI Reflects Min Balance Returns
0.00 0 0 0
0.00 0 0 0
0.00 0 0 0
0.00 0 0 0
0.00 0 0 0
0.00 0 0 0
0.00 0 0 0
0.00 0 0 0
0.00 0 0 0
0.00 0 0 0
0.00 0 0 0
0.00 0 0 0
0.00 0 0

Cheque Bounce (Count)

Salary Credited in I/w Cheque
Credit Amount bank EMI Reflects Min Balance Returns
0.00 0 0 0
0.00 0 0 0
0.00 0 0 0
0.00 0 0 0
0.00 0 0 0
0.00 0 0 0
0.00 0 0 0
0.00 0 0 0
0.00 0 0 0
0.00 0 0 0
0.00 0 0 0
0.00 0 0 0
0.00 0 0
Cheque Bounce (Count)
O/w Cheque Total Cheque
Returns Bounces
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0

Cheque Bounce (Count)

O/w Cheque Total Cheque
Returns Bounces
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
Cheque Bounce (Count)
O/w Cheque Total Cheque
Returns Bounces
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0

Cheque Bounce (Count)

O/w Cheque Total Cheque
Returns Bounces
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
Savings
Current
OD
CC
 APPLICANT 0

Net Salary as per Amount credited in

Month Date of credit Gross Salary as per salary slip salary Slip bank
0.00
0.00
0.00
0.00
0.00
0.00
Average Salary #DIV/0! 0.00

CO-APPLICANT 0

Net Salary as per Amount credited in

Month Date of credit Gross Salary as per salary slip salary Slip bank
0.00
0.00
0.00
0.00
0.00
0.00
Average Salary #DIV/0! 0.00

Loan Eligibility Multiplier Method (Gross Receipt)

RTR Program
BT Program
Banking Program
High Equity
NIP Program
Gross Receipt
AIP
Topup Program
VIP
 REPAYMENT TRACK RECORD
1 2 3 4
CUSTOMER NAME 0 CUSTOMER NAME 0 CUSTOMER NAME 0 CUSTOMER NAME 0
BANK NAME 0 BANK NAME 0 BANK NAME 0 BANK NAME 0
DEDU. BANK DEDU. BANK DEDU. BANK DEDU. BANK
LOAN AMT 0 LOAN AMT 0 LOAN AMT 0 LOAN AMT 0
TYPE OF LOAN 0 TYPE OF LOAN 0 TYPE OF LOAN 0 TYPE OF LOAN 0
LOAN A/C NO. LOAN A/C NO. LOAN A/C NO. LOAN A/C NO.
EMI 0.00 EMI 0.00 EMI 0.00 EMI 0.00
START DATE 30-Dec-99 START DATE 30-Dec-99 START DATE 30-Dec-99 START DATE 30-Dec-99
END DATE END DATE END DATE END DATE
O/S. PRINCIPAL 0.00 O/S. PRINCIPAL 0.00 O/S. PRINCIPAL 0.00 O/S. PRINCIPAL 0.00
SR NO DATE EMI SR NO DATE EMI SR NO DATE EMI SR NO DATE EMI
1 1 1 1
2 2 2 2
3 3 3 3
4 4 4 4
5 5 5 5
6 6 6 6
7 7 7 7
8 8 8 8
9 9 9 9
10 10 10 10
11 11 11 11
12 12 12 12

5 6 7 8
CUSTOMER NAME 0 CUSTOMER NAME 0 CUSTOMER NAME 0 CUSTOMER NAME 0
BANK NAME 0 BANK NAME 0 BANK NAME 0 BANK NAME 0
DEDU. BANK DEDU. BANK DEDU. BANK DEDU. BANK
LOAN AMT 0 LOAN AMT 0 LOAN AMT 0 LOAN AMT 0
TYPE OF LOAN 0 TYPE OF LOAN 0 TYPE OF LOAN 0 TYPE OF LOAN 0
LOAN A/C NO. LOAN A/C NO. LOAN A/C NO. LOAN A/C NO.
EMI 0.00 EMI 0.00 EMI 0.00 EMI 0.00
START DATE 30-Dec-99 START DATE 30-Dec-99 START DATE 30-Dec-99 START DATE 30-Dec-99
END DATE END DATE END DATE END DATE
O/S. PRINCIPAL 0.00 O/S. PRINCIPAL 0.00 O/S. PRINCIPAL 0.00 O/S. PRINCIPAL 0.00
SR NO DATE EMI SR NO DATE EMI SR NO DATE EMI SR NO DATE EMI
1 1 1 1
2 2 2 2
3 3 3 3
4 4 4 4
5 5 5 5
6 6 6 6
7 7 7 7
8 8 8 8
9 9 9 9
10 10 10 10
11 11 11 11
12 12 12 12
 Income Tax Calculator FY 2015-16 (AY 201
Monthly Gross Salary
Annual Gross Salary
Less: Total Deductions Under Income Tax
Loss from House Property
Deduction Under Chapter VI
Net Taxable Income after all deductions

Tax Slab

Income Tax Payee Type

250,000

500,000

1,000,000

10,00,000+

Tax on Total Income

Education Cess

Tax with Cess

Monthly Income Tax

me Tax Calculator FY 2015-16 (AY 2016-17)
Input -
-

On Case to Case Basis 200000

On Case to Case Basis 150000 350,000
Net Tax payable on this income Output -350,000

Slab Income Tax Rate Tax Amount

Male, Female, Sr. Citizen>60, Very Sr. Citizen>80 Input Male

-350,000 0% -

- 10% -

- 20% -

- 30% -

Output -

3% -

Output -