Group A EDC Solar Transportation Project Report - Compressed PDF

JAYAWANT SHIKSHAN PRASARAK MANDAL’s
Bhivrabai Sawant Polytechnic

(Approved by AICTE, New Delhi, Govt. of Maharashtra, Affiliated to MSBTE Mumbai)
Gat No. 720 (1&2), Wagholi, Pune
Pune-Nagar Road, Pune-412207)
412207)
Phone: 020 – 65335100 Tele fax: - + 91-020-65335100
E-mail: bspoly@rediffmail.com Website: www.jspm.edu.in
A
REPORT
ON
‘‘Entrepreneurship Report on”

on
“Solar Transportation’’
Under Guidance
Of
Prof. – S. K. Raut
Submitted
By
1. Ms. Aishwarya Jadhav

2. Mr.Ganesh Sawant
3. Ms. Swapnali Kumbhar
4. Ms. Pooja Kadam
DEPARTMENT OF
ELECTRONICS & TELECOMMUNICATION ENGINEERING
Academic Year
2019-2020
Maharashtra State Board of Technical Education
Mumbai -51
Certificate
Title Name Enrollment Number.
This is to certify that Ms. Aishwarya Jadhav 1707100253

This is to certify that Mr.Ganesh Sawant 1707100532
This is to certify that Ms. Swapnali Kumbhar 1707100275
This is to certify that Ms. Pooja Kadam 1407100153
Submitted in partial fulfilment of requirement for award of diploma in

Electronics & Telecommunications Engineering by Maharashtra State Board of technical
Education Mumbai-51, as a record of the student own work carried out by them under my
guidance & supervision.
Prof. S.K. Raut Prof. Dhorje. R. S

(Project Guide) (Head of Department)
ACKNOWLEDGMENT
A project of such comprehensive coverage cannot be prepared without help of

numerous source & people in this field. We are specially indebt to Prof. R .S. Dhorje
Mam Head of Department Of Electronics & Telecommunication. For inspiring us for
take this project. We also express our sincere attitude of Prof. S. K. Raut . For their
valuable guidance to solve the queries and motivate us throughout the project work, to
solve it in the possible manner. Finally we are also thankful to the staff of the E&TC
Dept. And all our friends who are always encourage and support us for completion of our
project.

Phone: 020 – 65335100 Tele fax: - + 91-020-65335100
Electronics & Telecommunication Engineering Department
VISION
To develop Electronics & Telecommunication Engineers with sound technical

knowledge focusing on social and industrial demands with professional ethics.
MISSION
M1: To create environment for imparting technical education through effective

teaching- learning process.
M2:: To develop industry driven & Entrepreneurial Skills through co-curricular

co
and extra co-curricular
curricular activities.
M3: To provide value based education for socio

socio-economic
economic enhancement of
nation.

Phone: 020 – 65335100 Tele fax: - + 91-020-65335100
Institute vision & Mission
To develop globally competent technocrats by imparting quality technical

education for soco- economic enhancement of the Nation.
Mission of Institute
 M1- To nurture re and maintain an environment oof high

h academic
standard for diplomat students, encouraging for higher education and
entrepreneurial abilities
abilities.
 M2- To deliver quality education by inserting basic and engineering

knowledge, interpersonal skills
skills, critical thinking and creativity.
 M3- To equip students with technical skills, ethical and moral values to
meet aspirations of the society and Industry, thereby to contribute
sustainable development of the Nation.

Phone: 020 – 65335100 Tele fax: - + 91-020-65335100
Programme Outcomes (Po’s)

PO 1. Basic knowledge: An ability to apply knowledge of basic mathematics, sciences and
engineering to solve the engineering problems.
PO 2. Discipline knowledge: An ability to apply discipline-specific

specific knowledge to solve,
solve score
and for
or applied engineering problems.
PO 3. Experiments and practice: An ability to Plan and perform experiments and practices
and to use the results to solve engineering problems.
PO 4. Engineering
ineering tools: Apply appropriate technologies and tools with an understanding
of the limitations.
PO 5. The engineer and society: Demonstrate knowledge to Assess societal, health, safety,
legal and cultural issues and the consequent responsibilities relevant engineering practices.
PO 6. Environment and sustainability: Understand the impact of the engineering solutions in

societal and environmental contexts, and demonstrate the knowledge aand
nd need for sustainable
development.
PO 7. Ethics: Apply ethical principles for commit to professional ethics, responsibilities and
norms of the engineering practice.
PO 8. Individual and team work: Function effectively as an individual and as a team member
or leader in diverse/ multidisciplinary teams.
PO 9. Communication: An ability to communicate effectively.
PO 10. Life-long
long learning: Recognize the need for, and have the preparation and ability to
Engage in independent and life
life-long learning in the context of technological changes

Phone: 020 – 65335100 Tele fax: - + 91-020-65335100
Programme Educational Objectives (Peo’s )
PEO 1: To develop the ability among student to understand the concept of

electronics & telecommunication engineering that will facilitate social & industrial
demand.
PEO 2: To give exposure to emerging technologies adequate training &

opportunities to work as an individual & team effectively in the world of work.
PEO 3: To promote innovative ideas, logical thinking & improve communication

skills, presentation skills, learning abilities & managing skills.
PEO 4: To develop & enhance ability to solve, analyze engineering problems &
provide real time solutions.
Programme Specific Outcomes (Pso’s)

PSO 1: To apply fundamentals of electronics in various domains of analog and
digital systems.
PSO2: To design and analyze functional elements of different wired and wireless
communication systems.
PSO3: Understanding the principle and construction of electrical machine and

determine their performance through testing.
Solar Based Transportation 2020
S.W.O.T ANALYSIS
STRENGTH
Here at Solar Car Company we have a strong, hardworking, intelligent staff and the fact it is on
trend, people now a days want efficient cheap vehicles that are safe for the environment. Our
company is able to offer this through turning solar energy into a powerful automotive vehicles.
 No Emissions. Because solar-powered cars have electric motors, they burn no fuel and
produce no emissions. ...
 Preservation Of Natural Resources. ...
 No Fuel Costs. ...
 Driving Comfort.
WEAKNESS
Due to the fact our product needs a lot of sunlight, it makes it difficult to use its technology in
Northern or Southern areas. The solar panels are only meant for places with 8 or more sunny
months. This causes our company to lose some profits because of its inability to work in mainly
overcast areas. In months where there is little sun the solar panel will be less effective. This will
make it difficult to sell cars in these areas. The vehicle will also have to be left outside almost
always so it can charge which some people may not like.
JSPM’S BhivraBai Sawant Polytechnic, wagholi. ( Department of E&TC)

 Cost. The initial cost of purchasing a solar system is fairly high. ...
 Weather Dependent. Although solar energy can still be collected during cloudy and rainy
days, the efficiency of the solar system drops. ...
 Solar Energy Storage Is Expensive. ...
 Uses a Lot of Space. ...
 Associated with Pollution.
OPPORTUNITIES
Our company could make deals with automotive companies so some cars would come stock with
the solar panels. We could work with the municipalities to make solar panels for emergency
vehicles as well. Due to this our company will be able to expand quickly.
 Growth opportunities and latent adjacency in Solar Vehicle Market

 EV Charging Connector Market.
 Hybrid Vehicle Market.
 Electric Vehicle Market.
THREATS
Other companies may make a better Eco friendly vehicle which could ruin SCC. Solar panels
are expensive, people may just buy electric cars. Another threat is climate change, because if a
place that is usually sunny starts to get a lot of rain it may no longer charge the car enough. Also
with the increase in gas prices people will want to switch over to free car fuel.

SUMMARY OF THE SUCCESSFUL ENTREPRENEURS
TESLA
Musk had long been interested in the possibilities

of electric cars, and in 2004 he became one of the
major funders of Tesla Motors (later renamed
Tesla), an electric car company founded by
entrepreneurs Martin Eberhard and Marc
Tarpenning. In 2006 Tesla introduced
ntroduced its first car,
the Roadster, which could travel 245 miles (394
km) on a single charge. Unlike most previous
electric vehicles, which Musk thought were stodgy
and uninteresting, it was a sports car that could go
from 0 to 60 miles (97 km) per hour in less than
four seconds.
In 2010 the company’s initial public offering

raised about $226 million. Two years later Tesla
introduced the Model S sedan, which was
acclaimed by automotive critics for its performance and design.
The company won further pra ise for its Model X luxury SUV, which went on the market in
praise
expensive vehicle, went into production in 2017.
2015. The Model 3, a less-expensive
Musk expressed reservations about Tesla being publicly traded, and in August 2018 he made a
series of tweets about taking the company private, noting that he had “secured funding.” The
following month the U.S. Securities and Exchange Commission (SEC) sued Musk for securities
fraud, alleging that the tweets were “false and misleading.” Shortly thereafter Tesla’s board
rejectedd the SEC’s proposed settlement, reportedly because Musk had threatened to resign.
However, the news sent Tesla stock plummeting, and a harsher deal was ultimately accepted. Its
terms included Musk stepping down as chairman for three years, though he was allowed
a to
continue as CEO.

E&TC
INRTODUCTION
Energy is one of the most vital needs for human survival on earth. We are dependent
on one form of energy or the other for fulfilling our needs. One such form of energy is
the energy from fossil fuels. We use energy from these sources for generating
electricity. Running automobiles etc. But the main disadvantages of these fossil fuels
are that they are not environmental friendly and they are exhaustible & Limited in
Nature.
To deal with these problems of fossil fuels, we need to look at the Non-Conventional
Sources of energy. With regard to this idea we have searched about Automobile that
runs on soar energy.
This project a lot depends on solar panel because it using influencing if the soar
vehicles can drive.
Knowledge about solar array also important because the array is made up of many
photo-voltaic solar cell that convert sun energy into electricity the cell types & the
dimensions of the array depends on the vehicle size and chassis.
So, our topic for research & development is Solar Automobiles/ Solar Transportation.
We are going to study about the emerging trends in electronics, which have been
implemented in real life and are in working conditions.
The challenges of this project are as follows:
1. To study design use photovoltaic source of power.

2. To study fabricates & assembly of Real-World model.
3. To study the principles of Solar Energy.
4. To study the working of solar panels.
5. To study the Process of conversion of sun power into electric power
and driving the automobiles.
1 JSPM’S BhivraBai Sawant Polytechnic, wagholi. ( Department of E&TC)

LITERATURE SURVEY
Solar powered vehicles the first solar powered vehicles invented, was a tiny
15- inch vehicles created by William G. Cobb of General Motors. Called the
Sun mobile, Cobb showcased the first solar powered vehicle at the Chicago
Powerama convention on August 31, 1955. The solar powered vehicle was
made up 12 selenium photovoltaic cells and a small Pulley electric motor
turning a pulley which in turn rotated the rear wheel shaft. The first solar
powered vehicle in history was obviously too small to drive.
Now let's jump to 1962 when the first solar powered vehicle that a person
drive was demonstrated to the public. The International Rectifier Company
converted a vintage model 1912 Baker electric car to run on photovoltaic
energy in 1958, but they didn't show it until 4 years later. Around 10,640
individual solar cells were mounted to the rooftop of the Baker to help propel
it.
In 1977, Alabama University professor Ed Passereni built the Blue-bird solar

powered vehicle, which was a prototype full scale vehicle. The Bluebird was
supposed to move from power created by the photovoltaic cells only without
the use of a battery. The Bluebird was exhibited in the Koxville, TN 1982
orkd's Fair.
Between 1977 and 1980 (the exact dates are not known for sure), at Tokyo
Denki University , Professor Masaharu Fujita first created a solar bicycle, and
then a 4 wheel solar powered vehicle. The car was actually two solar bicycle
put together.
In 1979 Englishman, A lain Freeman invented a solar powered vehicle. His

road registered the same vehicle in 1980. The Freeman solar powered vehicle
was a 3-wheeler with a solar panel on the roof.

At the engineering department at Tel Aviv University in Israel, Arye

Braunsteinand his colleagues created a solar powered vehicle in 1980 . The
solar powered vehicle had a solar panel on the hood and on the roof of the City
car comprised of 432 cells creating 400 watts of peak power.
The solar powered vehicle used 8 batteries of 6 volts each to store the
photovoltaic energy .The 1,320 pound solar electricity cars said by the
engineering department to have been able to reach up to 40 mph with a
maximum range of 50 miles.
In 1981 Hans Thoktrp and Larry Perkins built a solar powered race car. In
1982, the pair became the first to cross a continent in a solar powered vehicle,
from Perth to Sydney, Australia. Tholstrup is the creator of the World Soar
Challenge in Australia.
In 1984, Greg Johansson and Joel Davidson invented the Sun-runner solar race
car. The Surunner set the official Guinness world record in Bellflower,
California of 24.7 mph. In the Mojave Desert of California and final top speed
of 41 mph was officially recorded for a. "'Solely Solar Powered Vehicle"
(didn't use a battery). The 1986 Guinness book of world records published the
official records.
The GM Suraycer in 1987 completed a 1,866 mile trip with an average speed
of 42 mph. Since this time there have been many solar powered vehicles
invented at universities for competitions such as the Shell Eco Marathon .
There is also a commercially available solar powered Vehicle called the
Venturi Astro lab. Time will only tell how far the solar powered vehicle makes
it with today's & tomorrow's technology.
Solar powered vehicles combine technology typically used in the aerospace,

bicycle, alternative energy and auto-motive industries. The design of a solar
vehicle is severely limited by the amount of energy input into the car. Most
solar powered vehicle have been built for the purpose of solar train races.
Exceptions including solar powered cars and utility vehicles.

Solar trains are often fitted with gauges as seen in conventional cars. In order
to keep the car running smoothly, the driver must keep an eye on these gauges
to spot possible problems. Cars without gauges almost always feature wireless
telemetry, which allows the driver's team to monitor the car's energy
consumption, solar energy capture and other parameters and free the driver to
concentrate on driving. Solar trains depend on PV cells to convert sunlight into
electricity.
In fact, 51% of sunlight actually enters the Earth's atmosphere. Unlike solar
thermal energy which converts soar energy to heat for either house hold
purposes, industrial purposes or to be converted to electricity,, PV cells directly
convert sunlight into electricity . When sunlight (photos) strikes PV cells, they
excite electrons and allow them to flow, Creating an electrical current.
PV cells are made of semiconductor materials such as silicon and alloys of

indium, gallium and nitrogen. Silicon is the most common material used and
has an efficiency rate of 15-20%. Of late, several consulting companies, such
as Phoenix Snider Power, have started offering technical and financial services
to institutes and teams developing solar powered vehicles worldwide
During the 1990s, regulations require in approach to "zero emissions" from

vehicles increased interest in new battery technology. Battery systems that
offer higher energy density became the subject of joint research by federal and
auto industry scientists. Solar powered vehicles were first built by universities
and manufacturers.
The sun energy collector areas proved to be too large for consumer cars,
however that is changing. Development continues on solar cell design and car
power supply requirements such as heater or air-conditioning fans.
July 2007 marks the 24th anniversary since Joel Davidson and Greg Johansson
n set The First Guinness World Record for a 100% solar powered vehicle (no
batteries). In 1986, the vehicle was retired and taken apart, but the solar array is
still producing electricity for an off-grid home.

HISTORY OF PHOTOVOLTAIC CELL
Photo voltaic system converts sun light into electric ity. The tem "photo" is
astem from the Greek "photos," which means "light." "Volt" is named for
Alessandro Vota (1745-1827). A pioneer in the study of electricity. "Photo-
voltaic," then, could literally mean "light-electricity." Most commonly known
as "solar cells".
PV systems are already an important part of our lives. The simplest systems
power many of the small calculators and wrist watches we use every day. More
complicated systems provide electricity for pumping water, powering
communications equipment, and even lighting our homes and running our
appliances. In a surprising number of cases, PV power is the cheapest form of
electricity performing these tasks.
Photo voltaic cells converts lighter energy into electric ity into atomic level.
Although first disco vered in 1839, the process of producing electric current in
a solid material with the aid of sunlight wasn't truly understood for more than a
hundred years. Through the second half of the 20th century, the science has
been refined and the process has been more fully explained. As a result, the
cost of these devices has put the m into the mainstream of modem energy
producers. This was caused in part by advances in the technology. Where PV
conversion efficiencies have improved considerably.
French physicist Edmond Becquerel first described the photo voltaic (PV)
effect in 1839, but it remained a curiosity of science for the next three quarters
of a century. At only 19, Becquerel found that certain materials would produce
small amounts of electric current when exposed to light. The effect was first
studied in solids, such as selenium, by Heinrich Hertz in the 1870s. Soon
afterward, selenium PV cells were converting light to electricity at 1% to 2%
efficiency.
As a result, selenium was quickly adopted in the emerging field of photography

for use in light- measuring devices. Major steps toward commercializing PV
were taken in the 1940s and early 1950s, when the Czochralski process was
developed for producing highly pure crystalline silicon.

In 1954, scientists at Bell Laboratories depended on the Czochralski process to

develop the first crystalline silicon photo voltaic cell, which had an efficiency
of 4%. The term “photo-voIaic" comes from the Greek pis (phös) meaning
"light", and "voltaic", meaning electric, from the name of the Italian physicist
Volta, after whom a unit of electro- motive force, the volt, is named.
The term "photo-voltaie" has been in use in English since 1849.The

photovoltaic effect was first recognized in 1839 by French physicist A E.
Becquerel. However, it was not until 1883 that the first photovolta i.e cell was
built, by Charles Fritts, who coated the semiconductor seknium with an
extremely thin layer of gold to form the junctions. The de vice was only around
1% efficient.
In 1888 Russian physicist Aleksandr Stoktov buit

the first poto- electric cell (based on the outer Photoelectric effect discovered
by Heinrich Hertz earlier in 1887). Albert Einstein explained the photoelectric
effect in 1905 for which he received the Nobel Prize in Physics in 1921.
Russell Ohl patented the modem junction semiconductor solar cell in 1946,
which was discovered while working on the series of advances that would lead
to the transistor.
The modern photo voltaic cell was developed in 1954 at Bell Laboratories. The
highly efficient solar cell was first developed by Daryl Chapin, Calvin
Southern Fuller and Gerald Pearson in 1954 using a diffused silicon p-n
junction. At first, cells were developed for toys and other minor use s, as the
cost of the electricity they produced was very high in relative terms, a cell that
produced 1 watt of electrical power in bright sunlight cost about $250,
comparing to $2 to $3 for a coal plant.
Solar cells were rescued from obscurity by the suggestion to add them to the
Vanguard I satellite. In the original plans, the satellite would be powered only
by battery, and last a short time while this ran down. By adding cells to the
outside of the fuse large, the mission time could be extended with no major
changes to the spacecraft or its power systems. There was some skepticism at
first, but in practice the cells proved to be a huge success, and solar cells were
quickly designed into many few satellites, notably Bell's Own Telstar.

Improvements were slow over the next two decades, and the only widespread
use was in space applications where their power-to-weight ratio was higher
than any competing technology. Howe ver. this success was also the reason for
slow progress; space users were willing to pay anything for the best
possibilities, there was no reason to invest in lower-cost solutions if this would
reduce efficiency.
Instead, the price of cells was determined largely by the semiconductor

industry; their move to integrated circuits in the 1960s led to the availability of
larger bolus at lower relative prices. As their price fell, the price of the
resulting cells did as well. However these effects were limited, and by 1971
cell costs were estimated to be $100 a watt.

SOLAR PANEL – WORKING & FUNCTION
 What is Solar Pane1?
Essentials solar panels are groups of silicon cells used to convert light energy
into electricity. Solar pane k are thin silicon cells that are grouped together into
a simple frame with some wire works. The pane s harness daylight and process
it for human use by absorbing electrons from the sun's rays. These electrons
help to extract energy from the silicon, which is unstable due to a chemical
combination of boron and phosphorus combined in each cell. When the silicon
he acts up from the sun, it reacts with the other chemical additives and
becomes unstable. Then the electros in the sun are absorbed by the silicon and
the unstable silicon elements are forced thro ugh the wires established in the
panel this becomes D.C.energy.
 Function of Solar Cells
Not only sun is the source of heat& light it is also source of electricity too!
Solar cells also called photovoltaic cells are used to convert sunlight to
electricity. Solar cells are used to provide electricity all kinds of equipment,
from calculators and watches to roadside emergency phones and recreational
vehicles. Solar cell is most commonly made from silica, the same material used
to make computer chips.
Silicon is one of the Earth s most common elements, and is a major component
of sand and many kinds of rocks. A solar cell is built like a sandwich, with two
layers of silicon separated by a thin layer of insulating material. All three layers
work together to convert sunlight into electricity.
When sunlight falls on to the solar cell, it produces a small electric charge.Like
a battery. the charge is positive one, one side of the cell, and negative on the
other. A wire connects the two sides of the cell, allowing electricity to flow.
This flow, or current, of electricity can be used to power a small light bulb, turn
ON electric motor, or recharge a battery.

Solar cells are often used in locations where there isn't any electricity and
where electricity is needed in small amounts. In such cases, solar cells are
usually connected to batteries, allowing electricity to be stored for use during
times when the sun isn't shining.
A single solar cell is able to produce only a small amount of electricity. But
solar cells can be connected together on a multi-cell panel to produce larger
amounts of electricity. As with batteries, the more cells that are connected to
one another, the greater the current of electricity that can be produced. Soar
panels can produce enough electricity to power satellites, recreational vehicles,
and equipment for other applications where electricity is used in large amounts.

TYPE OF SOLAR PANELS
Most of the solar panel options currently available in one of three types:
1. Mono-crystalline solar panel

2. Poly-crystalline solar panel
3. Thin-film sol solar panel
These solar panels vary in how they’re made, appearance, performance, costs,
and the installations each are best suited for. Depending on the type of
installation you’re considering, one option may be more suitable than the
others.
The major types of solar panels There are three major types of solar panels:
mono-crystalline, poly-crystalline, and thin-film. Each type has its own unique
advantages and disadvantages, and the solar panel type best suited for your
installation will depend on factors specific to your own property and desired
system characteristics.
CRYSTALLINE SILICON
Almost 90% of the World’s photovoltaic’s today are based on some variation
of silicon. In 2011, about 95% of all shipments by U.S. manufacturers to the
residential sector were crystalline silicon solar panels. The silicon used in PV
takes many forms.
The main difference is the purity of the silicon. The more perfectly aligned the
silicon molecules are, the better the solar cell will be at converting solar energy
(sunlight) into electricity (the photoelectric effect). Crystalline silicon forms
the basis of mono- and polycrystalline silicon solar cells

Fig. Crystalline-Silicon panel
MONO-CRYSTALLINE
CRYSTALLINE SILICON SOLAR CELLS
Solar cells made of Mono

Mono-Crystalline silicon (mono-Si), Si), also called single-
single
crystalline silicon (single
(single-crystal-Si),
Si), are quite easily recognizable by an
external even coloring and uniform look, indicating high high-purity
purity silicon, as you
can see on the picture below:
Fig. Mono-Crystalline-Silicon panel

POLY-CRYSTALLINE SOLAR PANEL
The first solar panels based on Poly-Crystalline silicon, which also is known as
polysilicon (p-Si) and multi-crystalline silicon (mc-Si), were introduced to the
market in 1981. Unlike Mono-Crystalline-based solar panels, polycrystalline
solar panels do not require the Czochralski process. Raw silicon is melted and
poured into a square mould, which is cooled and cut into perfectly square
wafers.
Fig. Poly-Crystalline-Silicon panel
STRING RIBBON SOLAR CELLS
String Ribbon solar panels are also made out of polycrystalline silicon. String
Ribbon is the name of a manufacturing technology that produces a form of
polycrystalline silicon. Temperature-resistant wires are pulled through molten
silicon, which results in very thin silicon ribbons. Solar panels made with this
technology looks similar to traditional polycrystalline solar panels.
Evergreen Solar was the main manufacturer of solar panels using the String
Ribbon technology. The company is now bankrupt, rendering the future for
String Ribbon solar panels unclear.

THIN-FILM SOLAR CELLS (TFSC)
Depositing one or several thin layers of photovoltaic material onto a substrate

is the basic gist of how thin-film solar cells are manufactured. They are also
known as thin-film photovoltaic cells (TFPV).
The different types of thin-film solar cells can be categorized by which

photovoltaic material is deposited onto the substrate:
1. Amorphous silicon (a-Si)

2. Cadmium telluride (CdTe)
3. Copper indium gallium selenide (CIS/CIGS)
4. Organic photovoltaic cells (OPC)
Fig. Thin-Film Solar Silicon panel

GEOGRAPHICAL REPRESENTATION
( Photovoltaic Power Potential Of India )
Solar energy is radiant light and heat from the Sun that is harnessed
using a range of ever-evolving technologies such as solar heating,
photovoltaic’s, solar thermal energy, solar architecture, molten salt power
plants and artificial photosynthesis & Solar Powered Transportation.
It is an important source of renewable energy and its technologies are

broadly characterized as either passive solar or active solar depending on how
they capture and distribute solar energy or convert it into solar power.
Active solar techniques include the use of photovoltaic systems,
concentrated solar power and solar water heating to harness the energy.
Passive solar techniques include orienting a building to the Sun,
selecting materials with favorable thermal mass or light-dispersing properties,
and designing spaces that naturally circulate air.
The India large magnitude of solar energy available makes it a highly
appealing source of electricity.
So, basically India is the Country where enough sunlight is available.

Due to the availability of sunlight energy the generation of electricity can be
switch to renewable resources, so basically renewable resource based on
sunlight is solar energy,
So by setting up a solar plant which will Manufacture the Solar Panels&

Chassis, Automobiles i.e Solar Vehicles. We can turn the nation into an
emission free nation, by running the solar powered vehicles. As the sunlight if
free so no cost or charges are applied. By Switching the Transportation
method from Fossil fuel to renewable resources. A healthy environment can be
created an all of the Application can be easily done because a good quantity of
sunlight is available.
The solar plant requires an high initial Cost but once it is installed the Energy
can be used up to 5-10years, without fail.

It will increase countries energy security through reliance on an indigenous,

inexhaustible and mostly import
import-independent
independent resource, enhance sustainability, reduce
pollution, lower the costss of mitigating global warming, and keep fossil fuel prices
lower than otherwise.
As Shown in Fig. The Photovoltaic Power Potential of India, It shows the rates of
Power dissipated by sun in different Areas. Basically most of the parts/Areas receive
full sunlight. So solar plans for Transportation, Domestic Applications, Electricity
generation plant can be easily Executed.

SOLAR TRANSPORTATION
SOLAR TRANSPORTATION
A solar vehicle is an electric vehicle powered completely or significantly by

direct solar energy. Usually, photovoltaic (PV) cells contained in solar panels
convert the sun's energy directly into electric energy. This Energy is used to
Run the Automobiles i.e Car ,
The Power Dissipated from the sun rays are absorbed by the Panels and then
converted into electrical form of energy, this energy can be stored in Batteries
and then once charged it can drive the vehicle up to next discharge of battery.
The term "solar vehicle" usually implies that solar energy is used to power all
or part of a vehicle's propulsion. Solar power may be also used to provide
power for communications or controls or other auxiliary functions.
Solar vehicles are not sold as practical day-to-day transportation devices at

present, but are primarily demonstration vehicles and engineering exercises,
often sponsored by government agencies. However, indirectly solar charged
vehicles are widespread and solar boats are available commercially.
Now-a-days solar transportation is in Trend the Various applications have been

designed and published as well, like The electric bicycle , The E-Bus, The E-
Bike, The E-Rail, E-Rickshaws, The E-Bags which contains a battery which
can been used to charge mobile as well as run some other applications and
many more…………..

MODES OF TRANSPORTATION
 LAND -
a) SOLAR CARS
Solar cars depend on PV cells to convert sunlight into electricity to drive

electric motors. Unlike solar thermal energy which converts solar energy to
heat, PV cells directly convert sunlight into electricity.[1] For example, the
recently launched Hyundai Solar Car , which has solar panels mounted on the
rooftop of the car. The PV panels on the car would generate electricity to
charge the batteries in the car.The design of a solar car is severely limited by
the amount of energy input into the car. Solar cars are built for solar car races
and also for Commercial use.
b) SOLAR BUSES
Solar buses are propulsed by solar energy, all or part of which is collected from
stationary solar panel installations. The Tindo bus is a 100% solar bus that
operates as free public transport service in Adelaide City as an initiative of the
City Council. Bus services which use electric buses that are partially powered
by solar panels installed on the bus roof, intended to reduce energy
consumption and to prolong the life cycle of the rechargeable battery of the
electric bus.
c) SINGLE-TRACK VEHICLES
The first solar "cars" were actually tricycles or Quadracycles built with bicycle
technology. These were called solarmobiles at the first solar race, the Tour de
Sol in Switzerland in 1985. With 72 participants, half used solar power
exclusively while the other half used solar-human-powered hybrids. A few true
solar bicycles were built, either with a large solar roof, a small rear panel, or a
trailer with a solar panel. Later more practical solar bicycles were built with
foldable panels to be set up only during parking.

Even later the panels were left at home, feeding into the electric mains, and the
bicycles charged from the mains. Today highly developed electric bicycles are
available and these use so little power that it costs little to buy the equivalent
amount of solar electricity. The "solar" has evolved from actual hardware to an
indirect accounting system. The same system also works for electric
motorcycles, which were also first developed for the Tour de Sol.
d) E-Rail
Railways presents a low rolling resistance option that would be beneficial for
planned journeys and stops.
PV panels JPods PRT concept with photovoltaic panels above guide ways was
tested as APUs on Italian rolling stock under EU project. PVTRAIN .
Direct feed to a DC grids avoids losses through DC to AC conversion.DC grids

are only to be found in electric powered transport: railways, trams and
trolleybuses. Conversion of DC from PV panels to grid alternating current
(AC) was estimated to cause around 3% of the electricity being wasted.
PVTrain concluded that the most interest for PV in rail transport was on freight
cars where on board electrical power would allow new functionality:
1) GPS or other positioning devices, so as to improve its use in fleet

management and efficiency.
2) Electric locks, a video monitor and remote control system for cars with
sliding doors, so as to reduce the risk of robbery for valuable goods.
3) ABS brakes, which would raise the maximum velocity of freight cars to
160 km/h, improving productivity.

 WATER
a) Ships-Boats-Ferry-Yot. Etc.
Solar boats are electrical boats, with independent, quiet and clean engines, whose
batteries store free energy from the sun.
On the seas and inland waters as well as along their banks there are only a few
connections to public electricity mains. People who live on inland waterway crafts,
sailing boats, space stations and houseboats, are dependent on batteries, just as the
owners of electrically propelled boats. But batteries sometimes discharge and must be
replenished. One of the most elegant solutions for this is solar electricity. Solar
modules on a ship can charge the batteries on the spot - cleanly and efficiently with
free energy from the sun.
Solar electricity plants are reliable and durable. There are ever more areas of
application for solar electricity, due to lowering prices and improving technologies.
Right now we have Photovoltaic modules which are set in the roof of the ship.
 SPACE
In outer space there is an uninterrupted availability of huge amount of solar

energy in the form of light and heat. So the use of satellites primarily aimed at
collecting the solar energy and beam it back to the earth is being considered.
In geosynchronous orbit, i.e. 36,000 km (22,369 miles), a Solar Power Satellite

(SPS) would be able to face the sun over 99% of the time. No need for costly
storage devices for when the sun is not in view. Only a few days at spring and
fall equinox would the satellite be in shadow. Unused heat is radiated back into
the space. Power can be beamed to the location where it is needed, need not
have to invest in as large as a grid.
Electrical power accounts for much of the energy consumed. On the one hand,
the major loss of power occurs during transmission, from generating stations to
the end users. The resistance of the wire in the electrical grid distribution
system causes a loss of 26% to 30% of the energy generated. Therefore, the
loss implies that our present system of electrical transmission is 70% to 74%
efficient.

SCIENTIFIC STUDIES.
The sun constitutes of hot plasma interwoven with magnetic fields. The energy
is generated by nuclear fusion of hydrogen nuclei into helium. The surface
temperature attained by sun is 5762 K (Kreith F, Kreider JF, 1978). The sun’s
total energy output is 3.8 x 10²º MW, a small quantum of which, 1.7 X 1014
kW of the total emitted radiation is intercepted by earth.
Nevertheless, world energy demand for one year is only 30 min of solar
radiation falling on earth. Entire solar radiation emitted by sun is not reached
on earth due to atmospheric absorption, diffraction and scattering. Thus, a solar
constant is defined by the solar irradiance that the sun deposits per unit area,
that is directlySolar energy technologies transform the energy in sunlight into
electrical and thermal (heat) energy.
The earth’s surface receives approximately 1000 watts of power from the sun
for every square metre facing the sun.Solar energy is a rapidly growing way to
generate electricity, and it is estimated by the International Energy Agency that
solar energy power, and some experts think it will contributeto 50% of the total
world’s energy exposed to sunlight and perpendicular to it is 1.368 kW/m²
(Kalogirou S.A, 2004).
Solar energy harnessing system is broadly classified into two categories viz.
Solarthermal and Solar Photo Voltaic (PV). Thermal system captures the solar
energy and utilizes it for thermal applications like space heating and cooling,
water heating, desalination etc., whereas PV system converts the sunlight
directly into electricity without intervening engine.
Ghaffour Noreddine et al., (2014) presented a Renewable energy-driven

integrated desalination system. Since Solar PV generates high grade energy, it
is not recommended to degrade it into low grade energy utility such as heating
of water, desalination, distillation etc. Tech-Socio-Commercial suitability of
Oceans environment for solar energy harnessing includes
1) Cooling by air and seawater promotes higher PV conversion efficiency

(Skoplaki E and Palyvos JA., 2009).
2) Abundant water for cleaning of the panel.
3) The modular and scalable system from microwatt to megawatt.
4) Reduces water evaporation and growth of algae by shading the water.
5) Buoyancy may be utilized in best way with a supporting a simple
structure design.

SOLAR ENERGY - BASIC PRINCIPLES
Solar energy is created by light and heat which is emitted by the sun, in the
form of electromagnetic radiation. With today's technology, we are able to
capture this radiation and turn it into usable forms of solar energy - such as
heating or electricity.
Solar energy is the sun's nuclear fusion reactions within the continuous energy
generated. Earth's orbit, the average solar radiation intensity is 1367kw/m2.
Circumference of the Earth's equator is 40000km, thus we can calculate the
energy the earth gets is up to 173,000 TW.
At sea level on the standard peak intensity is 1kw/m2, a point on the earth's
surface 24h of the annual average radiation intensity is 0.20kw/m2, or roughly
102,000 TW of energy. Humans rely on solar energy to survive, including all
other forms of renewable energy (except for geothermal resources)
Although the total amount of solar energy resources is ten thousand times of
the energy used by humans, but the solar energy density is low, and it is
influenced by location, season, which is a major problem of development and
utilization of solar energy.
http://www.articlesbase.com/technology-articles/solar-energy-basic-principles-
6 49460.html

MANUFACTURES IN INDIA
The automobile industry and Indian car manufacturers are working on Make In
India mission of electric vehicles under the flagship of National
onal Electric
Mobility Mission Plan by the Government of India. Electric vehicle industry in
India will produce more number of electric bikes, electric cars and electric
three wheeler over the next two decades.
National Electric Mobility Mission Plan has bbeen

een launched in 2013 to promote
hybrid and electric vehicles in the country with an aim to reduce liquid fuel
consumption and target the sales of hybrid and electric vehicles in India.
Tata Electric
Tata Motors launched Hybrid and electric Star

Star-bus from manufacturing
anufacturing facility
in Pune under its zero emission mass transport solution.
Tata Motors offers

ffers a wide range of electric vehicles and contributing to the
electric vehicle industry in India with Tata Tigor electric car, Ultra Electric
bus, Star bus Hybrid Electric Buses for cleaner and greener public
transportation.

Mahindra Electric
Mahindra Electric Mobility Limited is based in Bangalore, sells electric

vehicles in the segments of passenger and cargo as well as into the
manufacturing of compact electric vehicles.
Earlier Reva electric company was acquired by Mahindra & Mahindra and
today the company has launched Mahindra e2o,electric hatchback e2oPlus,
eVerito sedan, commercial electric eSupro and upcoming electric version of
the KUV100.
Ashok Leyland Electric
Ashok Leyland is one of the largest bus manufacturer in the world and market
leader of trucks in India. The company has already launched fully electric bus
called Circuit in India, advanced nonplugin version of HYBUS, Electric E
Euro 6
Truck and announced iBUS.

Olectra – BYD Green E

E-Bus
Olectra Greentech is one of the market leader of manufacturing electric buses,

designed with BYD for Indian roads. The electric bus manufacturer BYD
venture with Olectra has introduces electric buses in Hyderabad, Pune,
Telangana and Delhi plus continue to electrify Indian E
E-BUS
BUS market.
Ola Electric
Ola has launched multimodal

electric vehicle project in
Nagpur under the Mission
Electric and also running
electric public transport
vehicles in India. The
homegrown company is also
plans for launching 10,000 e
rickshaws in India as well as
invest in setting up charging
stations of electric vehicles in
major Indian cities.

KONA Electric
Kona Electric vehicle by Hyundai is India’s first fully electric SUV priced at
25.3 lakh (ex-showroom,
showroom, India). The SUV is loaded with Android smartphone
connectivity, Google navigation system and USB entertainment features along
with wireless phone charging.
Hyundai is not only offering

ffering power packed driving experience of KONA
Electric SUV but also planning to install EV charging facilities in India by
Partnering with IOCL at fuel stations
Okinawa Electric
Okinawa Autotech is a popular

Indian electric two wheeler
manufacturing company with an aim
of contributing absolutely zero
emission to the green society and
new technologies in Indian
automobile industry. Okinawa ridge
and Okinawa Praise are two scooters
designed with best st in class
technology from price starts at Rs.
39,990 to Rs. 1.17 lakh.

Hero Electric
Hero Electric is the biggest manufacturer of electric scooters in India with a

vision of providing electric mobility to nation. The market leader of the Indian
Electric
ric industry in Two Wheeler segment, oofferingffering wide range of electric
vehicles to Indian such as Photon, flash la, optima and hero electric nyx.
Emflux
flux Motors producing high performance electric motorcycle named as
Emflux
flux One, The superbike hasn’t launched yet in the country but expected to
launching in India around December 2019.
Menza Motors
Menza motors is an electric automobile company based in Ahmadabad city has

launched its first electric motorcycle, the Lucat in India. Two wheeler startup,
Lucat motorcycle cost Rs 2.8 lakh (exshowroom).
Lohia Auto
Lohia Auto is one of the leading ee-rickshaw

rickshaw company in India along with
Mahindra, TVS,Bajaj and Atul Auto. Electric Rickshaw have become very
popular In India and there are list of ee-rickshaw
rickshaw Manufacturers in India.

There are list of other companies also launching ee-scooters

scooters and electric bikes in
India such as Ather Energy,Okinawa Electric, Atom Electric,Em
Electric,Emflux
flux Electric,
22 KYMCO iFlow, YOBykes, TVS Electric and Menza Motors – Read the full
article. Top e-rickshaw
rickshaw Manufacturers are Bajaj E Rickshaw,Mahindra electric
e-Alfa
Alfa Mini rickshaw,Thukral Electric, Kinetic Green, Jezza Motors, Udaan E E-
Rickshaw and Skyride E Rickshaw.
Electric cars are becoming more popular in India with energy stored in
rechargeable batteries as well as plug in electric variety of charging stations.
Nissan Leaf and Tesla are the top two best selling electric car in the world,Here
is the list of upcoming
oming electric cars in India.
 Tata Altroz
 EV Mahindra
 eKUV100
 Maruti Suzuki WagonR EV
 Nissan Leaf EV
 MG eZS
 Tesla Model S
 Audi e-Tron
 Ford Aspire EV

COST OF E-VEHICLES (SOLAR POWERED)
Vehicles Costs in INR
Lohina Auto-Rickshaw 1.49 lakhs
Menza Motors 2.8 lakhs
Hero Electric 66,500
Okinawa Electric 77,200
KONA Electric 26.8 lakhs
Olectra – BYD Green E-Bus 2.8 Corers
Ashok Leyland Electric 1.5 Corers
Tata Electric 2.5 Corers
Mahindra Electric 6.5 lakhs
Solar Ferry India 2.7 Corers
Solar Train
(For Running the Other Application, 54 lakhs.
as power back-up)
1.07 lakhs
Solar Powered Charging Points

COST OF SOLAR PANELS
Solar Panels Costs in INR
Solar Panel 100 Watt 3200
Solar Panel 400 Watt 11,411
Solar Panel 450 Watt 42,800
Solar Panel 1000 Watt Crores

SOLER POWERED CHARGING POINTS
Fig. Solar Powered Charging Points
An electric vehicle charging station, also called EV charging station, electric

recharging point, charging point, charge point, electronic charging station
(ECS), and electric vehicle supply equipment (EVSE), is an element in an
infrastructure that supplies electric energy for the recharging of plug-in electric
vehicles—including electric cars, neighborhood electric vehicles and plug-in
hybrids.
For charging at home or work, some electric vehicles have converters on board
that can plug into a standard electrical outlet or a high-capacity appliance
outlet. Others either require or can use a charging station that provides
electrical conversion, monitoring, or safety functionality. These stations are
also needed when traveling, and many support faster charging at higher
voltages and currents than are available from residential EVSEs. Public
charging stations are typically on-street facilities provided by electric utility
companies or located at retail shopping centers, restaurants and parking places,
operated by a range of private companies.
Charging stations provide a range of heavy duty or special connectors that

conform to the variety of standards. For common DC rapid charging, multi-
standard chargers equipped with two or three of the Combined Charging
System (CCS), CHAdeMO, and AC fast charging has become the de facto
market standard in many regions.

1) Residential charging stations: An EV owner plugs into a standard

receptacle (such as NEMA connector in the US) when he or she returns
home, and the car recharges overnight.[2] A home charging station usually
has no user authentication, no separate metering, but may require wiring a
dedicated circuit to have faster charging.[3] Some portable chargers can
also be wall mounted as charging stations.
2) Charging while parked (including public charging stations) – a private or
commercial venture for a fee or free, sometimes offered in partnership with
the owners of the parking lot. This charging may be slow or high speed and
often encourages EV owners to recharge their cars while they take
advantage of nearby facilities.[4] It can include parking for an
organization's own employees, parking at shopping malls, small centers,
and public transit stations.[5][6] Typically, AC Type1 / Type2 plugs are
used.
3) Fast charging at public charging stations >40 kW, capable of delivering
over 60-mile (97 km) of range in 10–30 minutes. These chargers may be at
rest stops to allow for longer distance trips. They may also be used
regularly by commuters in metropolitan areas, and for charging while
parked for shorter or longer periods. Common examples are J1772, Type 2
connector, Combined charging system, CHAdeMO, and Tesla
Superchargers.[7]
4) Battery swaps or charges in under 15 minutes. A specified target for CARB
credits for a zero-emission vehicle is adding 200 miles (approx. 320 km) to
its range in under 15 minutes. In 2014, this was not possible for charging
electric vehicles, but it is achievable with EV battery swaps. It intends to
match the refueling expectations of regular drivers and give crane mobile
support for discharged vehicles where there is no charging station.
SPARC STATION
The SPARC (Solar Powered Automotive Recharging Station) uses a single
custom fabricated monocrystalline solar panel capable of producing 2.7 kW of
peak power to charge pure electric or plug-in hybrid to 80% capacity without
drawing electricity from the local grid. Plans for the SPARC include a non-grid
tied system as well as redundancy for tying to the grid through a renewable
power plan. This supports their claim for net-zero driving of electric vehicles.

CASE STUDY INNOGY DUISBURG SOLAR FAST CHARGING

STATIONS
Fig. INNOGY Solar Charge Point Principle
The 150 kW fast charging station is equipped with a 180 m2 27.5 kW solar
rooftop and a 210 kWh battery storage facility. The project is a result of
innogy’s research and development teams. The battery storage minimises the
pressure on the electricity grid by buffering peak load periods with green
electricity from the solar panel when several vehicles are using ultra ultra-fast
chargers on full power at the same time. In addition, it maximises the use of the
solar electricity which can be stored when vehicles are not charging or the sun
is not shining: the charging station can even operate completely off off-grid at
times. When solar power is not available, grid green power is sourced to supply
the additionally needed kWh. While the local grid capacity is often not
sufficient
ficient to connect the fast charging station, with this innovative project,
innogy facilitates the integration of a fast charging station into the grid with
green electricity.

THE WHOLE MANUFACTURING PROCESS &

DESCRIPTION
A. COMPONENTS
Unlike primary batteries that have a limited lifetime of chemical reactions that
produce energy, the secondary-type batteries found in electric vehicles are
rechargeable storage cells. Batteries are situated in T-formation down the
middle of the car with the top of the "T" at the rear to provide better weight
distribution and safety. Batteries for electric cars have been made using nickel-
iron, nickel-zinc, zinc-chloride, and lead-acid.
Weight of the electric car has also been a recurring design difficulty. In electric
cars, the battery and electric propulsion system are typically 40% of the weight
of the car, whereas in an internal combustion-driven car, the engine, coolant
system, and other specific powering devices only amount to 25% of the weight
of the car.
Other technologies in development may provide alternatives that are more

acceptable to the public and low (if not zero) emissions. Use of the fuel cell in
a hybrid automobile is the most promising development on the horizon, as of
1999. The hybrid automobile has two power plants, one electric and one
internal combustion engine. They operate only under the most efficient
conditions for each, with electric power for stop-and-start driving at low speeds
and gasoline propulsion for highway speeds and distances. The electric motor
conserves gasoline and reduces pollution, and the gas-powered portion makes
inconvenient recharging stops less frequent.
Fuel cells have a chemical source of hydrogen that provides electrons for
generating electricity. Ethanol, methanol, and gasoline are these chemical
sources; if gasoline is used, fuel cells consume if more efficiently than the
internal combustion engine. Fuel cell prototypes have been successfully tested,
and the Japanese began manufacturing a hybrid vehicle in 1998. Another future
hope for electric automobiles is the lithium-ion battery that has an energy
density three times greater than that of a lead-acid battery. Three times the
storage should lead to three times the range, but cost of production is still too
high. Lithium batteries are now proving to be the most promising, but limited
supplies of raw materials to make all of these varieties of batteries will hinder
the likelihood that all vehicles can be converted to electrical power.

B. RAW MATERIALS
The electric car's skeleton is called a space frame and is made of aluminum to
be both strong and lightweight. The wheels are also made of aluminum instead
of steel, again as a weight-saving method. The aluminum parts are poured at a
foundry using specially designed molds unique to the manufacturer. Seat
frames and the heart of the steering wheel are made of magnesium, a
lightweight metal. The body is made of an impact-resistant composite plastic
that is recyclable.
Electric car batteries consist of plastic housings that contains metal anodes and
cathodes and fluid called electrolyte. Currently, lead-acid batteries are still used
most commonly, although other combinations of fluid and metals are available
with nickel metal hydride (NiMH) batteries the next most likely power source
on the electric car horizon. Electric car batteries hold their fluid in absorbent
pads that won't leak if ruptured or punctured during an accident. The batteries
are made by specialty suppliers. An electric car like the General Motors EV1
contains 26 batteries in a T-shaped unit.
The motor or traction system has metal and plastic parts that do not need
lubricants. It also includes sophisticated electronics that regulate energy flow
from the batteries and control its conversion to driving power. Electronics are
also key components for the control panel housed in the console; the on-board
computer system operates doors, windows, a tire-pressure monitoring system,
air conditioning, starting the car, the CD player, and other facilities common to
all cars.
Plastics, foam padding, vinyl, and fabrics form the dashboard cover, door
liners, and seats. The tires are rubber, but, unlike standard tires, these are
designed to inflate to higher pressures so the car rolls with less resistance to
conserve energy. The electric car tires also contain sealant to seal any leaks
automatically, also for electrical energy conservation. Self-sealing tires also
eliminate the need for a spare tire, another weight- and material-saving feature.
The windshield is solar glass that keeps the interior from overheating in the sun
and frost from forming in winter. Materials that provide thermal conservation
reduce the energy drain that heating and air conditioning impose on the
batteries.

C. DESIGN
Today's electric cars are described as "modern era production electric vehicles"
to distinguish them from the series of false starts in trying to design an electric
car based on existing production models of gasoline-powered cars and from
"kit" cars or privately engineered electric cars that may be fun and functional
but not production-worthy. From the 1960s-1980s, interest in the electric car
was profound, but development was slow. The design roadblock of the high-
energy demand from batteries could not be resolved by adapting designs.
Finally, in the late 1980s, automotive engineers rethought the problem from the
beginning and began designing an electric car from the ground up with heavy
consideration to aerodynamics, weight, and other energy efficiencies.
The space frame, seat frames, wheels, and body were designed for high
strength for safety and the lightest possible weight. This meant new
configurations that provide support for the components and occupants with
minimal mass and use of high-tech materials including aluminum, magnesium,
and advanced composite plastics. Because there is no exhaust system, the
underside is made aerodynamic with a full belly pan. All extra details had to be
eliminated while leaving the comforts drivers find desirable and adding new
considerations unique to electric automobiles. One eliminated detail was the
spare tire. The detail of the rod-like radio antennae was removed; it causes
wind resistance that robs energy and uses energy to power it up and down. An
added consideration was the pedestrian warning system; tests of prototypes
showed that electric cars run so quietly that pedestrians don't hear them
approach. Driver-activated flashing lights and beeps warn pedestrians that the
car is approaching and work automatically when the car is in reverse.
Windshields of solar glass were also an important addition to regulate the
interior temperature and minimize the need for air conditioning and heating.
Among the many other design and engineering features that must be
considered in producing electric cars are the following:
Batteries that store energy and power the electric motor are a science of their
own in electric car design, and many options are being studied to find the most
efficient batteries that are also safe and cost effective. An electric motor that
converts electrical energy from the battery and transmits it to the drive train.
Both direct-current (DC) and alternating current (AC) motors are used in these
traction or propulsion systems for electric cars, but AC motors do not use
brushes and require less maintenance.

A controller that regulates energy flow from the battery to the motor allows for
adjustable speed. Resistors that are used for this purpose in other electric
devices are not practical for cars because they absorb too much of the energy
themselves. Instead, silicon-controlled rectifiers (SCRs) are used. They allow
full power to go from the battery to the motor but in pulses so the battery is not
overworked and the motor is not underpowered.
Any kind of brakes can be used on electric automobiles, but regenerative

braking systems are also preferred in electric cars because they recapture some
of the energy lost during braking and channel it back to the battery system.
Two varieties of chargers are needed. A full-size charger for installation in a

garage is needed to recharge the electric car overnight, but a portable recharger
(called a convenience recharger) is standard equipment for the trunk so the
batteries can be recharged in an emergency or away from home or a charging
station. For safety, an inductive charger was created for electric cars with a
paddle that is inserted in the front end of the car. It uses magnetic energy to
recharge the batteries and limit the potential for electrocution.

D. THE MANUFACTURING PROCESS

The manufacturing process
required almost as much design
consideration as the vehicle
itself; and that design includes
handcrafting and simplification
as well as some high high-tech
approaches. The assemblers
work in build-station
station teams to
foster team spirit and mutual
support, and parts are stored in
modular units called creform
racks of flexible plastic tubes
and joints that are easy to ffill and
reshape for different parts. On the high
high-tech
tech side, each station is equipped with
one torque wrench with multiple heads; when the assembler locks on the
appropriate size of head, computer controls for the machine select the correct
torque setting for
or the fasteners that fit that head.
E. BODY SHOP
The body for the electric car is handcrafted at six work stations.
1) Parts of the aluminum space frame are put together in sections called
subassemblies that are constructed of prefabricated pieces that are
welded or glued together. The glue is an adhesive bonding material, and
it provides a connection that is more durable and stiffer than welding.
As the subassemblies for the undercarriage of the car are completed,
they are bonded to each other until the ent
entire
ire underbody is finished.
2) The subassemblies for the upper part of the body are also bonded to
make larger sections. The completed sections are similarly welded or
glued until the body frame is finished. The body is added to the
underbody. The adhesive uused
sed throughout staged assembly of the frame
is then cured by conveying the body through a twotwo-stage
stage oven.
3) The roof is attached. Like other parts of the exterior, it has already been
painted. The underbody and the rest of the frame are coated with
protective
ive sealants, and the finished body is moved to the general
assembly area.

F. GENERAL ASSEMBLY
General assembly of the operating
components and interior of the electric
car is completed at eight other work
stations.
At the first assembly station, the first sset

of the electric car's complex electronics
are put in place. This includes the body
wiring and seating of the Power
Electronics Bay which holds the
Propulsion Control Module, integrated
drive unit, and a small radiator. The
integrated drive unit consists of the
alternating current induction motor and a two two-stage
stage gear reduction and
differential. These units are all preassembled in their
The manufacturing process used to make an electric vehicle is as intricate as

the vehicle design. It takes six work stati
stations
ons to create the body of an electric
vehicle. Each station is equipped with one torque wrench with multiple heads;
when the assembler locks on the appropriate size of head, computer controls
for the machine select the correct torque setting for the fasten
fasteners
ers that fit that
head.
The manufacturing process used to make an electric vehicle is as intricate as

the vehicle design. It takes six work stations to create the body of an electric
vehicle. Each station is equipped with one torque wrench with multiple he heads;
when the assembler locks on the appropriate size of head, computer controls
for the machine select the correct torque setting for the fasteners that fit that
head. own housings. The components of the control console are also installed.
The interior is outfitted. Flooring, seats, carpeting, and the console and dash are
placed in the car. The process is simple because the instrument panel and
console cover are made of molded, fiberglass reinforced urethane that has been
coated with more urethane of finis
finish quality and with a non-reflective
reflective surface.
These two pieces are strong and don't need other supports, brackets, or
mounting plates. Assembly is straight forward, and performance is superior
because fewer pieces reduce possibilities for rattles and squeak
squeaks.

G. BATTERY WORK
At the third work station,
the air conditioning,
heating, and circulation
system is inserted, and the
system is filled.
The battery pack is added.

The T-shaped
shaped unit is
seated by lifting the heavy
pack using a special hoist
up into the car. The pack is
attached
ttached to the chassis, as are
the axles complete with wheels and tires. With both batteries and the
propulsion unit in place, the car no longer has to be moved from station to
station on specially designed dollies. Instead, it is driven to the remaining w
work
stations. The system is powered up and checked before it is driven to the next
team.
The windshield is installed and other fluids are added and checked. The door
systems (complete with vinyl interiors, arm rests, electronics, and windows)
are also attached,
ched, and all the connections are completed and checked. The
exterior panels are added. Similar to the roof and doors, they have been
prepared and painted before being brought to the work station. The final trim is
attached to complete the upper exterior.

At the final work station, the alignment is checked and adjusted, and the under-
body panel is bolted into place. The process concludes with the last,
comprehensive quality control check. Pressurized water is sprayed on the
vehicle for eight minutes, and all the seals are checked for leaks. On a
specialized test track, the car is checked for noises, squeaks, and rattles on a
quality-based test drive. A lengthy and thorough visual inspection concludes
the quality audit.
Unique to the electric vehicle is the battery pack. The battery pack is made up
of rechargeable secondary-type batteries that act as storage cells. Batteries are
situated in T-formation down the middle of the car with the top of the "T" at
the rear to provide better weight distribution and safety.
Unique to the electric vehicle is the battery pack. The battery pack is made up
of rechargeable secondary-type batteries that act as storage cells. Batteries are
situated in T-formation down the middle of the car with the top of the "T" at
the rear to provide better weight distribution and safety.

H. QUALITY CONTROL
Industry has proven that work stations are a highly effective method of
providing quality control throughout an assembly process. Each work station
has two team members to support each other and provide internal checks on
their part of the process. On a relatively small assembly line like this one for
the electric car (75 assemblers in a General Motors plant), the workers all know
each other, so there is also a larger team spirit that boosts pride and
cooperation. Consequently, the only major quality control operation concludes
the assembly process and consists of a comprehensive set of tests and
inspections.
Unique to manufacture of the electric car, the operation of the car has been
tested during the final assembly steps. The car has no exhaust system and emits
no gases or pollutants, so, after the battery pack and propulsion unit have been
installed, the car can be driven inside the plant. Proof that the product works
several steps before it is finished is a reassuring quality check.
I. BYPRODUCTS/WASTE
There are no byproducts from the manufacture of electric cars. Waste within
the assembly factory also is minimal to nonexistent because parts, components,
and subassemblies were all made elsewhere. Trimmings and other waste are
recaptured by these suppliers, and most are recyclable.
J. THE FUTURE
Electric cars are critically important to the future of the automobile industry
and to the environment; however, the form the electric car will ultimately take
and its acceptance by the public are still uncertain. Consumption of decreasing
oil supplies, concerns over air and noise pollution, and pollution caused (and
energy consumed) by abandoned cars and the complications of recycling
gasoline-powered cars are all driving forces that seem to be pushing toward the
success of the electric car.

LOANS & BUSINESS FINANCE

7 - STEPS OF BUSINESS FINANCE
1) GETTING A BUSINESS LOAN
The most common option for getting funding is through a loan given by banks
as well as other financial institutions. Nowadays, getting a loan is not as easy
as it was before. The financial-economic crisis that hit several years ago has
made banks restrict lending to small businesses. It is therefore very important
for you to know the necessary steps for getting a business loan from a bank so
you can improve your chance of getting an approval. Here are seven steps to
take when applying for a business loan from the bank.
2) HAVE A PROPER BUSINESS PLAN
In order to secure a loan, many banks need you to have a strong financial plan
which brings out what your business entails. It forms an introduction about
who you are and what your business is all about. A business plan should be
able to state the business' goals, mission and how it will be run in order to
achieve all the objectives stated. Remember a great business plan means that
the business is likely to succeed according to the mind of the lender.
3) STATE HOW YOU WANT TO SPEND YOUR FINANCES
Banks have a tendency to assess how the loan applicant wants to spend the
funds borrowed. If you want to purchase equipment for example, you need to
apply for an equipment loan. On the other hand, if you want funds to keep the
business running before your debtors pay you, it would be advisable to apply
for a short-term loan. Thus, stating what your loan will be used for makes it
easy for the bank to determine whether the amount applied for will meet all
your needs.
4) STATE THE AMOUNT OF MONEY YOU NEED
When applying for a loan, it is good to do a thorough research in order for you
not to underestimate or overestimate the amount of money you require. This is
due to the fact that underestimating could lead to financial problems in the
future. Overestimating on the other hand makes the bank question whether a
thorough research was done before writing the business plan. To avoid all these
doubts, have a good budget with proper financial projections.

5) BE KEEN ON YOUR CREDIT SCORE
Nowadays, all banks have to verify whether every applicant is eligible to be

given a loan. When applying for financial help, it is advisable to check your
personal credit reports and scores. A credit score of 700 and above is excellent.
If your score is below 680, it would be hard for you to get a loan but you may
want to consider a revenue based loan as an alternative. If your score is low,
work hard and raise it before applying for any bank loan.
6) CLEAN UP YOUR CREDIT REPORT
Sometimes there could be errors in your credit report and if you are not careful,
it might negatively affect your credit score. This is why it is always advisable
to monitor your business credit and personal credit files regularly. In case you
notice some errors, contact a credit reporting agency immediately to rectify and
raise the score by removing the discrepancies, otherwise no loan will be
approved by a bank when your credit rating is low.
7) ASSESS ALL YOUR LENDING OPTIONS
After checking your credit report and ensuring that it is okay, it is time to
research and come up with a list of banks that are viable to extend the type of
loan you are in need of. Choose the bank that offers loans at low interest rates
and offers the most flexible approval guidelines.
8) KEEP PROPER FINANCIAL RECORDS
Getting a business loan from a bank becomes easier when you have proper
financial statements. Banks will always want to check your balance sheet, cash
flow statements and income statements so as to ascertain whether you have the
ability to repay the loan or not. This means that if you have not been keeping
these records, it is time to start since they could be of help in future when
applying for a loan.

FORMATS FOR LOAN

&
LOAN APPLICATION FORMS

BUSINESS LOAN APPLICATION FORM
(Please write in BLOCK LETTERS. Please complete the application to help us serve you better)
I hereby apply to IDFC FIRST Bank Limited (The Bank) to grant me Personal/Business Loan as mentioned in this Application Form. I furnish my particulars as mentioned below.
Sr. No.:  City: 
Application Ref. No.:  Sales Point: 
Application Date:  S.O./DSA Code: 
Scheme:  R. O. Code: 
FINANCE REQUIREMENT
Purpose of Loan: Business Expansion  Loan Consolidation  Working Capital  Others Business Requirement 
Loan Amount (`): __________________________ Desired Tenure: ______________________________
COMPANY DETAILS
Company Name: _________________________________________________________________________________________________________________
Company Type: Partnership  LLP  Proprietorship  Private Limited  Public Ltd.  HUF  Others (Please specify) __________________
OnePerson Company  Liaison/Project/Branch Office  Joint Venture (Not incorporated)  Embassy/Consulate/High Commission 
Date of Incorporation: 
D D 
M M 
Y Y Y Y Number of years in current office: _____________ Company PAN Card No. 
Nature of Business:  Agriculture & Allied Consultation  Manufacturing  Retail Trading  Wholesale Trading  Service
 Others (Please specify) _________________
Annual Turnover for last 3 years (please mention years in blocks below for example 2018-19) Rupees in lakh
Year 1 2 0 -
 _____________________________________ Year 2 
2 0 - _____________________________________
Year 3 2 0 -
 _____________________________________
BSR Code ____________________________________________ Industry Classification (Refer Annexure) _________________________________________
Office Address: __________________________________________________________________________________________________________________
_______________________________________________________________________________________________________________________________
State: ______________________________ City: __________________________ Pin  Landmark: ________________________________
Telephone: STD Code:  No. 
Email address: ____________________________________________________________________ Business Premises: Owned  Rental 
GST Address: _________________________________________________________________
GST DECLATAION: 1) GST Regd No. : Yes  No  2) GSTIN No. 
That I have shared correct GSTIN., hence separate verification of my GSTIN is not required and I shall not hold IDFC FIRST Bank Limited liable for loss of credit
arising on account of incomplete, erroneous or wrong GST details.
For all GST purposes the mailing address will be consider as place of supply i.e. GST address
Whether Relative to Director of IDFC FIRST Bank Ltd - Yes  No
Whether Relative to Senior Management of IDFC FIRST Bank Ltd - Yes  No 
AUTHORIZED SIGNATORY DETAILS

Title: Mr.  Ms.  Mrs.  Others (Please specify) _________________________________________________________________________________
Name: ____________________________________________ _________________________________ ____________________________________
First Name Middle Name Last Name
PAN No: _______________________________________________________ Aadhar Card No: _________________________________________________
Designation/Relation with Company:___________________________________________
CO APPLICANT DETAILS
Title:  Mr.  Ms.  Dr. Title:  Mr.  Ms.  Dr.

 Others (Please specify) ___________________  Others (Please specify) __________________
TO
TO
C-KYC No. _____________________________________ C-KYC No. _____________________________________

O
O
PH
Name: ________________________________________
PH
Name: _________________________________________
First Name Middle Name Last Name First Name Middle Name Last Name
(Please affix your photograph (Please affix your photograph
Father’s/Spouse’s Name: and sign across it ) Father’s/Spouse’s Name: and sign across it )
________________ _______________ ___________ ________________ _______________ __________

ACKNOWLEDGEMENT
We acknowledge receipt of the application for Business Loan from IDFC FIRST Bank Limited. IDFC FIRST Bank Limitedwould require a processing time of approximately 20 working
days from the date of the completed application. This is subject to submission of all documents as required by IDFC FIRST Bank Limited. For any queries or suggestions, please write to
us at customer.care@capitalfirst.com or visit www.idfcfirstbank.com or our nearest branch.
Customer Name:  Date: 
D D M M Y Y
Application Reference Number: 
Note: This is a Preprinted acknowledgment and does not require signature.
Mother’s Name: ________________ _______________ ____________ Mother’s Name: ________________ _______________ ____________
PAN No: _______________________ Aadhar Card No: _________________ PAN No: _______________________ Aadhar Card No: ________________
Qualification:  Undergraduate  Graduate  Postgraduate Qualification:  Undergraduate  Graduate  Postgraduate
 Others (Please specify) _____________________  Others (Please specify) _______________________
Gender:  Male  Female  Transgender Gender:  Male  Female  Transgender

Whether Relative to Director of IDFC FIRST Bank Ltd - Yes  No 
Whether Relative to Director of IDFC FIRST Bank Ltd - Yes  No 
Whether Relative to Senior Management of IDFC FIRST Bank Ltd - Yes 
Whether Relative to Senior Management of IDFC FIRST Bank Ltd - Yes 
No 
No 
Marital Status:  Single  Married  Others ___________
Marital Status:  Single  Married  Others ___________
Email: ________________________________________________________
Email: ___________________________________________
Date of Birth 
Date of Birth 
Designation/ Relation with Company : _______________________________
Designation/ Relation with Company : _______________________________
Total Work Experience _______________ Years & ________________Month
Total Work Experience _______________ Years & ________________Month
Current Residence Address: ______________________________________
Current Residence Address: _______________________________________
_____________________________________________________________
______________________________________________________________
Landmark: ______________________________ District: _______________
Landmark: _______________________ District: ______________________
State: ___________________________ City: _______________________
State: ___________________________ City: _______________________
Pin 
Pin 
Residence Details:  Rented  Self-owned  Parental  Residence Details:  Rented  Self-owned  Parental 
Company Provided  Others (Please specify) Company Provided  Others (Please specify)
Telephone: STD Code:  No.  Telephone: STD Code:  No. 
Mobile No.: Mobile No.:
Permanent Residence Address: Same as above  ___________________ Permanent Residence Address: Same as above  ___________________
______________________________________________________________ ______________________________________________________________
Landmark: ______________________________ District: ________________ Landmark: _______________________ District: ______________________
State: ___________________________ City: _________________________ State: ___________________________ City: _________________________
Pin  Pin 
Residence Details:  Rented  Self-owned  Parental  Residence Details:  Rented  Self-owned  Parental 
Company Provided  Others (Please specify) Company Provided  Others (Please specify)
 No. 
Telephone: STD Code:  No. 
Telephone: STD Code:
Mobile No.:  Mobile No.: 
COMMUNICATION
Would you like to receive updates about various offers and promotion from Would you like to receive updates about various offers and promotion from
to time? Yes  No  to time? Yes  No 
If yes, mode of communication: Phone  SMS  E-mail  If yes, mode of communication: Phone  SMS  E-mail 
LOAN REPAYMENT ACCOUNT DETAILS

Bank Name: _________________________________________________ Account Number: 
Branch Address: _________________________________________________________________________________________________________________
_______________________________________________________________________________________________________________________________
BUSINESS/TRADE REFERENCES ONLY

1) Name: _______________________________________________________________________________________________________________________
Relationship with Applicant: _______________________________________________________________________________________________________
Current Residence/Office Address: ___________________________________________________________________________________________________
________________________________________________State ___________________________ City _________________________ Pin 
Mobile: 
DOCUMENTS REQUIRED
Photo identity proof*: Passport, PAN card, voters identity card, driving license, Aadhar Card, NREGA Job Card.
Address proof* passport, driving license, bank a/c statement, electricity/telephone bill, aadhaar card, Voter ID Card, NREGA Job Card, Property or Municipal Tax Reciept, Post Office
savings bank account statement, any document notified by the central government.
Income proof* Latest ITR, Latest Form 16, Latest salary slip/certificate, Latest Audited Financials, Bank details with last 3 months salary credited
The Application will be assessed quickly after receiving the required documents. Please quote the Application Reference Number mentioned in the slip for any enquiry(ies).
* Requirement of documents might vary according to the scheme chosen.
2) Name: ______________________________________________________________________________________________________________________
Relationship with Applicant: ______________________________________________________________________________________________________
Current Residence/Office Address: _________________________________________________________________________________________________
_____________________________________________State ___________________________ City _________________________ Pin 
Mobile: 
IMPORTANT INFORMATION
BUSINESS LOAN CHARGES BUSINESS LOAN CHARGES

EMI Bounce charges per 400 Exclusive of GST Physical Repayment Schedule 500 Exclusive of GST
presentation
Late payment/Penal charges / 2% per month (Exclusive of GST) of the unpaid EMI Physical Statement of Account 500 Exclusive of GST
default interest(per month) or Rs 300 (Exclusive of GST) whichever is higher
Cheque/ Instrument Swap charges 500 (Exclusive of GST) Document retrieval charges (per 500 Exclusive of GST
(per swap) retrieval)
Cancellation/Rebooking charges 1% of the loan amount + interest from date Stamping Charges As per actuals
of disbursal till receipt of cancellation request
Cancellation request to be received within 30
days or 1st EMI presentation date, post which
cancellation will be treated as foreclosure
Processing fees Up to 3.5% of the loan amount (Exclusive of GST) EMI Pick up/ Collection Charges 350 Exclusive of GST
Foreclosure / Prepayment charges 5% of Principal loan outstanding (Exclusive of GST) Loan protect Insurance
Part Payment charges Part Payment is not allowed Personal Accident Insurance
Duplicate No Objection Certificate 500 Exclusive of GST Facilitation Fee
Issuance Charges
DECLARATION
I/We declare that all the particulars and information given in the Application Form are true, correct, complete and up-to-date in all respects and I/We have not withheld any information
whatsoever. I/We confirm that no insolvency proceeding(s) or suit for recovery of outstanding dues or monies whatsoever and/or criminal proceedings have been initiated and/or pending
against me/us and that I/We have never been adjudicated insolvent/bankrupt by any court or other authority. I/We declare that I/We have not made any payment in cash, bearer, cheque
or kind along with or in connection with this Application or any other Application fees to the executive collecting my/our Application/and I/We shall not hold IDFC FIRST Bank Limited liable
for any such payment made by us to the executive collecting this Application. I/We understand and confirm that the Application Form and all other documents submitted by me/us to IDFC
FIRST Bank Limited shall not be returned to me/us and IDFC FIRST Bank Limited shall have the right to retain the same. I/We have read the Application Form and brochures and are
agreeable to all the terms/conditions of availing finance from IDFC FIRST Bank Limited/its Group Companies.
I/we hereby agree to abide and be bound by all applicable rules/regulations/instruction/guidelines including but not limited to those issued by the Reserve Bank of India including the
FEMA Regulations 2000 governing EEFC Accounts, the Foreign Exchange Management Act, 1999 and Foreign Account Tax Compliance Act, 2010 (to the extent applicable to India) and
the Common Reporting Standards (CRS), in force time to time. I/we confirm having declared our status as per the rules applicable under section 285BA of the Income Tax Act, 1961 (the
Act) as notified by Central Board of Direct Taxes (CBDT) in this regard.
Country of birth ________________________________________ Place of birth_____________________________________
Country of residence as per tax laws _______________________________ Foreign TIN _________________________________ TIN Issuing country ________
AUTHORISATION
I/We authorise IDFC FIRST Bank/its Group Companies/its Agents to make reference and enquiries relevant to information in this Application Form which IDFC FIRST Bank
Limited/its Group Companies/its Agents consider necessary. I/We undertake to inform IDFC FIRST Bank Limited/its Group Companies/its Agents regarding the change
in the residential addresses/employment/profession and to provide any further information that IDFC FIRST Bank Limited/its Group Companies/its Agents may require. I/
We further declare and confirm that the credit facilities if any enjoyed by me/us with banks/financial institutions/non banking finance companies has been disclosed here in
above. I/We agree that IDFC FIRST Bank Limited may provide the credit facilities mentioned herein only if permitted and if approved in the manner specified or required
by the Reserve Bank of India from time to time. I/We confirm that I/We shall not use the credit facility (or any part thereof) for any improper, illegal or unlawful purpose/activities.
I/We have been read out and explained in the language known to me/us, the contents of the Application Form for availing the loan from IDFC FIRST Bank by the executive of the Bank and
I/we have signed the said Application Form after having understood them and by signing the same. I/we wish to avail of the NACH/ECS/SI/Direct Debit facility and hereby express my/our
unconditional consent to debit my/our loan instalments etc., from above mentioned account through NACH/ECS/SI/ Direct Debit. l/We authorize the bank to honour all such instructions. l/
we authorize the representative of the Company to get this mandate verified and registered with bank. Mandate Verification Charges (if any) may be charged to my/our account. I/We will
ensure sufficient balance in the funding account on the date of execution. In case NACH/ECS/SI/Direct Debit instruction is unsuccessful due to financial reasons, the NACH/ECS/SI/Direct
Debit instructions will be presented again for clearance. I/We will bear the bounce changes for transactions that have been unsuccessful due to financial reason.
I/we authorise IDFC FIRST Bank Limited to submit application/other relevant documents submitted by me to CERSAI. I/we hereby provide my consent to receive information from Central
KYC Registry through SMS/mail on the above registered number/email address.
Signed and Delivered by the Co- Applicant in token of and in witness of having read (and /or being explained), verified, understood, irrevocably agreed to, accepted, confirmed and
declared all the terms and conditions contained in the Applications Form, Schedule of charges and authenticate the accuracy and correctness of the same.
Signature of Authorized Signatory: __________________________ Signature of Co- Applicant 1: __________ Signature of Co-Applicant 2: ___________________
Stamp and seal of the company: _____________________________
Date: __________________ Place: ___________________________________
Annexure for Industry Classification: • Advertising/Media

ZED RATING
• Agriculture • Airlines • Arms/Antique/Art Dealer • Auto Finance Co. • Automobile • Bar/Casino/Night Club • Bullion/Forex Dealer • Cement • Chemicals/Dyes/Paints • Consultancy
• Courier/Freight Forwarders • Consumer Durables • Dairy/Food Processing • Departmental/Grocery Store • Education • Engineering Goods • Exchange House • Electronics/Computer
Hardware • Fertilizers/Seeds/Pesticides • Fishery/Poultry • Furniture/Timber • Gems & Jewellery • Government Contractor/Contractor • Hospital • Hotel/Resort • Housing Finance Co.
• Insurance Co. • Iron & Steel • Health Club/Spa • IT/Software/BPO • Liquor Distributor • Marble/Granite • Mining • Nursing Home/Clinic/Diagnostic Center • Other Pvt. Financial Corp.
• Petroleum Oil & Gas • Printing/Publishing • Plastic/Paper & Allied Products • Pharmaceutical/Chemist • Real Estate • Realty & Infrastructure • Scrap Metal • Telecom • Term Lending
Co. • Transportation/Logistics • Textiles/Garments/Handloom • Travel & Tourism • Self Employed Professional (Doctor/CA/Architect/Lawyer/Consultant) • Self Employed Professional
(Entertainment/Alternate Medicine Practitioner/Beautician)
OFFICE USE ONLY
Original seen & verified by : Name: _____________________________________ Sign: __________________________ Code:_____________________________
(V1.2)57/2017 PRIORITY SECTOR LENDING
Direct Agri: (Agriculturist/Farmer/Agri allied activities like, dairy farming, Poultry farming, fishery, bee-keeping etc.) – Loans up to 02 crore
Indirect Agri: Service units like trader, Dealers/sellers of fertilizers, pesticides, seeds, cattle feed, poultry feed, agricultural implements and other inputs – Loans
02 to 05 crore
Micro and Small Enterprise:
Please tick relevant box as per Investment* is upto or less than
Mfg. Service
Micro Upto 25 Lakh Upto 10 Lakh
Small Above 25 Lakh Upto 05 Crore Above 10 Lakh Upto 02 Crore
Medium Above 05 Crore Upto 10 Crore Above 02 Crore Upto 05 Crore
Basis of Identification CA Certificate MSME / SSI Certificate.
Housing Loan:
(* Mfg. Enterprise – Investment in Plant & Machinery, Service Enterprise – Investment in Equipment’s)
Value of Property up to 35 lakh to 25 lakh in Metro & Non Metro Cities respectively
Weaker Section:
i. Individual women beneficiaries up to 1 lakh ii. Loans to: SC ST Others iii. Religion: Hindu Muslim Christians Zoroastrians Sikh
Buddhists Jain Others (Please specify) _________ iv. if Minority communities: Yes No v. Annual household Income : __________________
vi. Preference category: Widow Working Disability Others (Please specify)
Beneficiary Owners (BO) Name and Photo Annexure
1. Beneficiary Owner 1
o Name : ______________________________________________________________________
o Photo :
RECENT COLOUR
PHOTOGRAPH
o Name : ______________________________________________________________________
o Photo :
RECENT COLOUR
PHOTOGRAPH
o Name : ______________________________________________________________________
o Photo :
RECENT COLOUR
PHOTOGRAPH
o Name : ______________________________________________________________________
o Photo :
RECENT COLOUR
PHOTOGRAPH
IDFCFIRST/BIL_APP/06012019/V.1
IDFC First Bank Limited (formerly IDFC Bank Limited)

Naman Chambers, C 32, G Block, Bandra Kurla Complex, Bandra (East), Mumbai 400051 Tel: +91 22 7132 5500, Fax: +91 22 2654 0354
Registered Office: KRM Towers, 7th Floor, No. 1, Harrington Road, Chetpet, Chennai 600031. Tel: +91 44 4564 4000 Fax: +91 44 4564 4022
CIN: L65110TN2014PLC097792, bank.info@idfcbank.com, www.idfcfirstbank.com
LOAN APPLICATION FORM
Fields marked in "RED" are mandatory
BANK USE SECTION
Sourcing Channel Branch DST DSA PBK Web Referral Sales Other Channel (Specify)
Source 1 Source 2 Source 3 Source 4
Branch Code LTS/CRMN No. Sales Promo Code LG Code
SM Emp Code SE Code DSA/DDSA Name
ASM Emp Code TSE Code DSA /DDSA Vendor Code Dealer SE Code
RSM Emp Code TL Code
Dealer / DSA Stamp / Signature
CUSTOMER SECTION (to be filled by the Customer in CAPITAL LETTERS)

I wish to apply for below ticked () loan and request you to process the loan application as per details provided in the form Application date D D M M Y Y
Personal Business Large Ticket Business Self Employed Professional
Existing App1 App 2 App 3
Customer Cust Id Cust Id Cust Id
Savings/ Current
A/C no. Loan no.
A. PERSONAL DETAILS (Leave space between two words)
Title Mr. Ms. M/S. Others __________ Applicant Co-Applicant Guarantor PAN No.
Applicant Name
Father's/
Husband's Name
Date of Birth/ Gender M Status Single Married No. of Dependents
Incorporation D D M M Y Y Y Y F
SC ST
Educational Details Undergraduate Graduate Post Graduate & above Others _________ Religion ____________ OBC Other________
Present Address
(Residence)
Landmark Years at current city Y Y M M

City PIN Code Years at current residence Y Y M M
State Country Aadhar Card No.
Tel (R) S T D - L A N D L I N E Mobile no. 91 Fax No.
e-mail ID I N C A P I T A L L E T T E R S O N L Y
Present Address is Owned Parental Company provided Rented (Monthly Rent in r ________________) Tick if permanent address is same as above
Permanent
Address
(Residence / Regd
Office)
Landmark
City PIN Code
State Country Voter ID Card No.
Tel (R /O) S T D - L A N D L I N E Mobile no. 91
B. OCCUPATIONAL DETAILS
Occupation Salaried Self employed Self employed professional Retired Housewife Student Other___________
If self employed professional Doctor CA / CS Consultant Architect Other___________
If self employed Type of company Pvt. Ltd. Partnership Proprietor Public Ltd. Ltd. liability co. Other___________
businessman /
Constitution Nature of business Manufacturer Agriculturist Service Provider Trader/Distributor Comm. Agent Retailers Other___________
Type of company Pvt ltd. Partnership Proprietor Public Ltd. Retailers PSU Govt. MNC Other___________
If Salaried Automobiles Agriculture based Banking BPO Capital goods Telecom IT Retail
Type of industry
Real estate Consumer Durables FMCG NBFC Marketing / Adv. Pharma Media Other___________
Employer / Business Details Designaton:_________________ Exp in Current Job/Business Yrs Months Total Exp in Job/Business Yrs Months
Company /
Employers Name
Company /
Employers
Address
Landmark
City PIN Code
State Country
Page 1
Tel (O) S T D - L A N D L I N E E X N T Preferred Mailing Address Residence Office

Official e-mail ID I N C A P I T A L L E T T E R S O N L Y
Proprietor / Partner / Directors Details (For Partnership / Private Ltd. / Public Ltd. Co. Only)
Name PAN no. Contact details Date of birth Education background Profit sharing/stakeholder % Total experience
C. INCOME AND BANKING DETAILS

Monthly salary R Existing Loan Details
U P E E S A/C no. 1) Bank / Co. name ___________________________
Annual turnover R U P E E S Bank name ____________ Loan type ______________________
Amount (`)_________ EMI (Ì ) __________________
Net profit R U P E E S Branch Tenure _____________ Start date _______________
Loan a/c no. ________________________________
Other income R U P E E S Cust ID Opened in Y Y Y Y
Rental Agricultural Account type 2) Bank / Co. name ___________________________
Other income
source ____________ Loan type ______________________
Other ________________ Credit card no. Amount (`) _________ EMI (ì) _______________
Interested in opening HDFC Bank Account Tenure _____________ Start date _______________
Issuing Bank
Yes No Loan a/c no. ________________________________
D. LOAN DETAILS - CUM - KEY FACT STATEMENT INCLUDING SCHEDULE OF CHARGES

Transportation of
Purpose of loan Home renovation Marriage Travel Education Business expansion Agriculture/Farming Agri Produce Other _____________
Loan Amount (`) Loan Tenure Months EMI (`)
No. of Advance EMI Scheme________________
1) Stamp Duty: At actual as per applicable law. 2) Interest rate of (subject to changes as per Terms and
Conditions/ Agreement) _________% p.a. (monthly reducing). 3) Processing Charges of Rs. ` ____________.
3(a). Services tax on PF _______%. 4) Cheque/SI/ECS return charges (without prejudice to the civil and
criminal rights and remedies of the Bank for the dishonor) : `r618/- Per instance 5) Default Interest / Late
payment charges : 2% per month from unpaid EMI 6) CIBIL Report Copy Charges: ` 50 per copy 7) Legal,
repossession and Incidental Charges: At actual 8) Duplicate Amortization/ Repayment Schedule: ` 200/-
9) Cheque/SI/ECS swapping Charges : ` 500/- 10) Details of Security _______ 11) Taxes at Actuals,
applicable presently or in future. 12) Date on which annual Outstanding balance statement will be issued: 31st
May 13) Loan Cancellation Charges: NIL. Interest would be charged for the interim period between date of
disbursement and date of loan cancellation.
Note: Visit http://www.hdfcbank.com for detailed fees and charges under the respective loan product.
Changes in charges from time to time are updated on bank’s website.
Personal / Business Loan

Type of Loan
Salaried Self Employed
Due date of EMI 4th / 7th 4th
Prepayment not
allowed up to 12 EMI 06 EMI
payment of
Prepayment Charges 12-24 Months of EMI Repayment- 4% 07-24 Months of EMI Repayment- 4%
[on Principal 25 to 36 Months of EMI Repayment- 3% 25 to 36 Months of EMI Repayment- 3%
Outstanding] >36 Months of EMI Repayment- 2% >36 Months of EMI Repayment- 2%
Applicable Service Tax will be charged on foreclosure charges
E. ADDITIONAL DETAILS
Vehicle Owned : Manufacturer : _______________________________ Model :________________________ Bought in Yr. Y Y Y Y Financed Y N
Other Items : LCD / LED Microwave Home theatre Washing machine Modular Kitchen Smartphone AC Laptop / Tablet
Wish to Apply for : Insurance Mutual fund Credit card Savings / Current a/c FD/RD Advisory/Treasury Loan ______________
PERSONAL REFERENCE (Name & address of reference living in the same city)
1) Name____________________________________________________________________ 2) Name____________________________________________________________________
Relationship with applicant ____________________________________________________ Relationship with applicant ____________________________________________________
Residential address _________________________________________________________ Residential address _________________________________________________________
__________________________________City______________State__________________ __________________________________City______________State__________________
PIN ______________Mobile no.______________________ Landline no._______________ PIN ______________Mobile no.______________________ Landline no._______________
Relationship with Applicant is a director of any Bank or is a Firm in which any director is interested as partner / guarantor or is a relative of directors of
Nature of Relationship:
Other bank other banks or is a firm in which relatives of directors are interested as partner or director.
Page 2
Relationship with
Applicant is a Director / Sr. Officer / relative of director or Sr. Officer of the Bank. __________________________________
Financing bank
F. PRIORITY SECTOR CATEGORY (Important : If applicant belongs to any of the below category, pls tick the box) (Bank Copy)
Direct Agri (Agriculturist / Farmer / Agri allied activities like, dairy farming, poultry farming, fishery, bee-keeping etc)
Land (acres) <3 3 to 5 >5 to 10 >10 to 15 > 15 Specify (acres):____________ Location:_________________________________ Pin Code:______________
Indirect Agri : Service units like trader / dealer in fertilizers / seeds / pesticides / cattle feed / poultry feed / agri equipment or machinery, dealer of tractors or contracting tractors / borewells etc.
Manufacturing enterprises Manufacturing unit with investment in plant & machinery upto ` 5 Lakh Manufacturing unit with investment in plant & machinery > ` 5 Lakh to ` 25 Lakh
Manufacturing unit with investment in plant & machinery > ` 25 Lakh to ` 5 Cr Value of investment (i)______________ CC limit(a) ____________
Service enterprise : (Professional / Non Service unit with investment in equipment upto ` 2 Lakh Service unit with investment in equipment > ` 2 Lakh to ` 10 Lakh
Professional / SRTO / Trade / Retail Trade) Service unit with investment in equipment > ` 10 Lakh to ` 2 Cr Value of investment (i)____________________________________
Khadi & village industries (KVI sector)
Declaration: I/we hereby declare/confirm that the vehicle purchased/ to be purchased / loan availed / to be availed by me/us shall be used
For the purpose of Agriculture and/or assist the transport of agriculture input and farm product.
For the purpose of Business : I / We are aware that it is on the faith of this representation, declaration and confirmation that you have agreed to consider my loan application for financial assistance under the category of
Priority sector advances. I / We shall indemnify the bank to make the loss of good in the event of any loss or damage that may arise on account of false / incorrect declaration by me / us.
G. DOCUMENTS SUBMITTED
I / we confirm having submitted the following self attested documents (ticked below) along with this loan application form to the Bank representative
Photograph (signed across) Proof of Identity Proof of residence Latest 2 salary slips 3/6 months bank statement ______Post Dated Cheques
Proof of continuity of current job Proof of office Proof of qualification Loan Agreement Signature Verification ECS/SI mandate
______Security Post-dated cheques Proof of turnover (latest sales/services tax returns) Last 2 yr ITR with computed income
Loan a/c statement for balance transfer / balance transfer & top up / repayment / retention cases
H. MOST IMPORTANT TERMS AND CONDITIONS AND DECLARATION BY THE CUSTOMER
I/We agree and confirm: (1) To the applicable schedule of charges, fees, commissions including the key facts informed to me by HDFC Bank Ltd.
(Bank) and as more particularly mentioned in the “Schedule of Charges” of this Application. (2) That the bank's representative/ staff will not receive
any payment in cash/ bearer cheque or kind along with or in connection with this loan application from me/ us. (3) That no discount or free gift or any
other commitment whatsoever is given to me/ us by the Bank or any of its authorized representative(s) other than what is not documented in this
application form the Terms and Conditions/ Agreement pursuant to the Loan. (4) The Bank shall not process incomplete/ defective application form,
for which if any loss or delay is caused to me/ us, I/We will not hold the Bank liable for such loss or delay. (5) That Loan processing and disbursement
will take at least 7 working days post submission of all requisite documents and information as may be required by the Bank as per Bank's criteria. (6)
That submission of loan application to your bank does not imply automatic approval by the Bank and the Bank will decide the quantum of the loan at
its sole and absolute discretion. The Bank in its sole and absolute discretion may either sanction or reject the application for granting the loan. Incase
of rejection, the Bank shall not be required to give any reason. (7) That the Bank shall have the right to make disclosure of any information relating to
me/us including personal information, details in relation to Loan, defaults, security, etc to the Credit Information Bureau of India (CIBIL) and/or any
other governmental/regulatory/statutory or private agency/entity, credit bureau, RBI, the Bank's other branches/ subsidiaries / affiliates / rating
agencies, service providers, other banks / financial institutions, any third parties, any assignes/potential assignees or transferees, who may need,
process and publish the information in such manner and through such medium as it may be deemed necessary by the publisher/ Bank/ RBI, including
publishing the name as part of willful defaulter's list from time to time, as also use for KYC information verification, credit risk analysis, or for other
related purposes. (8) The Bank reserves its right to reject the loan application and retain the loan application form along with the photograph,
information and documents. (9) That I/ We shall furnish any additional documents as and when required by the Bank. (10) That I/ We have not taken
any loan from any other bank/ finance company unless specifically declared by me/ us. (11) That there is no impediment or restriction (whether legal
or judicial) against me/ us and/or our asset filed/ reported by any other bank/ financer/ bank. (12) That the funds shall be used for the purpose for
which loan has been applied and will not be used for speculative or antisocial purpose. (13) I/ We do not have any existing customer ID or customer ID
apart from the one mentioned above, and incase found otherwise, Bank reserves the right to consolidate the customer IDs under a single customer ID
as it may decide, without any prior notice to me/ us. (14) That the information furnished by me/ us above is true and accurate.
I.
Other declarations : I/ We : (1) shall advise the HDFC Bank Ltd. (Bank) in writing of any change in my/ our residential or employment address. (2) hereby
authorize and give consent to the Bank to disclose, without notice to me/ us, information furnished by me/ us in the application form(s)/ related documents
executed/ to be executed in relation to the facilities to be availed by me/ us from the Bank, to the Bank's other branches/ subsidiaries/ affiliates/ Credit
Bureaus/ Rating Agencies/ Service Providers, banks/ financial institutions, governmental/ regulatory authorities or third parties for information verification,
credit risk analysis, or for other related purposes that the Bank may deem fit. I/ We waive the privilege of privacy and privity of contract. (3) shall credit all
sums received by you in either or all the names of this account. (4) hereby confirm having received, read and understood the terms and conditions applicable
to this loan including the application form and the Terms and Conditions/ Agreement and accept the same. (5) hereby unconditionally, agree that these terms
may be changed by the Bank at any time and I / We will be bound by the amended terms and conditions. (6) Confirm that I/ We are citizen of India.
I / We also confirm that the executive collecting my loan Application / Document has informed me / us : (1) that services tax is applicable and will be
charged in connection with the loan. (2) all the commission/s (in the form of up front and trail commissions) payable to HDFC Bank for the insurance policy
recommended to me/us. (3) In the case of loan cancellation, the applicable pro-rata interest charges on any outstanding loan amount will have to be borne
by me/us. I understand that Processing Fee, Stamp Duty are non-refundable charges and would not be waived/ refunded in case of loan cancellation or
where the loan has not been disbursed. (4) That all the post-dated cheques are to be issued favouring HDFC Bank Limited A/c <Mention Product Name>
only. (5) that loan related information like “welcome letter”, “repayment schedule”, “Terms and condition”, “disbursal advice (as applicable to Personal Loan/
Business Loan)”, will be sent on the e-mail id mentioned by me/ us in this loan application form. (6) that I/ We can log on to HDFC Bank Net Banking
(www.hdfcbank.com) to view the welcome letter and repayment schedule. I/ We may also request for a physical copy of Welcome Letter and Repayment
Schedule separately if need be.
J. DO NOT CALL REGISTRY : I understand that in case I do not wish to receive promotional information through telephone calls / email / sms on products and services not currently
availed by me, I can register for "Do Not Call" service through the Bank's website www.hdfcbank.com or through PhoneBanking or other channels that the Bank may offer. I agree
that this service will not apply to receipt of advice and information regarding products and services currently availed by me, to help me in fully realising the benefits of the range of
financial solutions designed to make my banking relationship value added and more convenient.
I/We have read and verified the entire contents of the aforesaid Loan Application Form including the information, the Most Important Terms
and Conditions , the Declarations being Part A to Part J and I/We hereby irrevocably represent, confirm and declare that all the information
given thereunder are completely true and correct and further agree, acknowledge, accept and confirm the same.
92864/13.02.2014
Please Paste
Latest Passport Size
Photograph
Applicant's/Co-applicant's Signature
Page 3
Name: ____________________________________ Date:___________________ Place:________________

_
CUSTOMER ACKNOWLEDGMENT SECTION (Customer Copy)
I / we confirm having submitted the following self attested documents (ticked below) along with this loan application form to the Bank representative
Photograph (signed across) Proof of Identity Proof of residence Latest 2 salary slips 3/6 months bank statement Last 2 yr ITR with computed income
Proof of continuity of current job Proof of office Proof of qualification Loan Agreement Signature Verification Proof of turnover (latest sales/services tax returns)
______Post Dated Cheques ______Security Post-dated cheques ECS/SI mandate Loan a/c statement for balance transfer/balance transfer & top up/repayment/retention cases
SCHEDULE OF CHARGES
1) Stamp Duty: At actual as per applicable law. 2) Interest rate of (subject to changes as per Terms and
Conditions/ Agreement) _________% p.a. (monthly reducing). 3) Processing Charges of Rs. ` ____________.
3(a). Services tax on PF _______%. 4) Cheque/SI/ECS return charges (without prejudice to the civil and
criminal rights and remedies of the Bank for the dishonor) : `r618/- Per instance 5) Default Interest / Late
payment charges : 2% per month from unpaid EMI 6) CIBIL Report Copy Charges: ` 50 per copy 7) Legal,
repossession and Incidental Charges: At actual 8) Duplicate Amortization/ Repayment Schedule: ` 200/-
9) Cheque/SI/ECS swapping Charges : ` 500/- 10) Details of Security _______ 11) Taxes at Actuals,
applicable presently or in future. 12) Date on which annual Outstanding balance statement will be issued: 31st
May 13) Loan Cancellation Charges: NIL. Interest would be charged for the interim period between date of
disbursement and date of loan cancellation.
Note: Visit http://www.hdfcbank.com for detailed fees and charges under the respective loan product.
Changes in charges from time to time are updated on bank’s website.
Personal / Business Loan

Type of Loan
Salaried Self Employed
Due date of EMI 4th / 7th 4th
Prepayment not
allowed up to 12 EMI 06 EMI
payment of
Prepayment Charges 12-24 Months of EMI Repayment- 4% 07-24 Months of EMI Repayment- 4%
[on Principal 25 to 36 Months of EMI Repayment- 3% 25 to 36 Months of EMI Repayment- 3%
Outstanding] >36 Months of EMI Repayment- 2% >36 Months of EMI Repayment- 2%
Applicable Service Tax will be charged on foreclosure charges
MOST IMPORTANT TERMS AND CONDITIONS AND DECLARATION BY THE CUSTOMER
I/We agree and confirm: (1) To the applicable schedule of charges, fees, commissions including the key facts informed to me by HDFC Bank Ltd. (Bank) and as more
particularly mentioned in the “Schedule of Charges” of this Application. (2) That the bank's representative/ staff will not receive any payment in cash/ bearer cheque or
kind along with or in connection with this loan application from me/ us. (3) That no discount or free gift or any other commitment whatsoever is given to me/ us by the
Bank or any of its authorized representative(s) other than what is not documented in this application form the Terms and Conditions/ Agreement pursuant to the Loan.
(4) The Bank shall not process incomplete/ defective application form, for which if any loss or delay is caused to me/ us, I/We will not hold the Bank liable for such loss or
delay. (5) That Loan processing and disbursement will take at least 7 working days post submission of all requisite documents and information as may be required by
the Bank as per Bank's criteria. (6) That submission of loan application to your bank does not imply automatic approval by the Bank and the Bank will decide the
quantum of the loan at its sole and absolute discretion. The Bank in its sole and absolute discretion may either sanction or reject the application for granting the loan.
Incase of rejection, the Bank shall not be required to give any reason. (7) That the Bank shall have the right to make disclosure of any information relating to me/us
including personal information, details in relation to Loan, defaults, security, etc to the Credit Information Bureau of India (CIBIL) and/or any other
governmental/regulatory/statutory or private agency/entity, credit bureau, RBI, the Bank's other branches/ subsidiaries / affiliates / rating agencies, service providers,
other banks / financial institutions, any third parties, any assignes/potential assignees or transferees, who may need, process and publish the information in such
manner and through such medium as it may be deemed necessary by the publisher/ Bank/ RBI, including publishing the name as part of willful defaulter's list from time
to time, as also use for KYC information verification, credit risk analysis, or for other related purposes. (8) The Bank reserves its right to reject the loan application and
retain the loan application form along with the photograph, information and documents. (9) That I/ We shall furnish any additional documents as and when required by
the Bank. (10) That I/ We have not taken any loan from any other bank/ finance company unless specifically declared by me/ us. (11) That there is no impediment or
restriction (whether legal or judicial) against me/ us and/or our asset filed/ reported by any other bank/ financer/ bank. (12) That the funds shall be used for the purpose
for which loan has been applied and will not be used for speculative or antisocial purpose. (13) I/ We do not have any existing customer ID or customer ID apart from the
one mentioned above, and incase found otherwise, Bank reserves the right to consolidate the customer IDs under a single customer ID as it may decide, without any
prior notice to me/ us. (14) That the information furnished by me/ us above is true and accurate.
Other declarations : I/ We : (1) shall advise the HDFC Bank Ltd. (Bank) in writing of any change in my/ our residential or employment address. (2) hereby authorize
and give consent to the Bank to disclose, without notice to me/ us, information furnished by me/ us in the application form(s)/ related documents executed/ to be
executed in relation to the facilities to be availed by me/ us from the Bank, to the Bank's other branches/ subsidiaries/ affiliates/ Credit Bureaus/ Rating Agencies/
Service Providers, banks/ financial institutions, governmental/ regulatory authorities or third parties for information verification, credit risk analysis, or for other related
purposes that the Bank may deem fit. I/ We waive the privilege of privacy and privity of contract. (3) shall credit all sums received by you in either or all the names of this
account. (4) hereby confirm having received, read and understood the terms and conditions applicable to this loan including the application form and the Terms and
Conditions/ Agreement and accept the same. (5) hereby unconditionally, agree that these terms may be changed by the Bank at any time and I / We will be bound by the
amended terms and conditions. (6) Confirm that I/ We are citizen of India.
I / We also confirm that the executive collecting my loan Application / Document has informed me / us : (1) that services tax is applicable and will be charged in
connection with the loan. (2) all the commission/s (in the form of up front and trail commissions) payable to HDFC Bank for the insurance policy recommended to me/us.
(3) In the case of loan cancellation, the applicable pro-rata interest charges on any outstanding loan amount will have to be borne by me/us. I understand that
Processing Fee, Stamp Duty are non-refundable charges and would not be waived/ refunded in case of loan cancellation or where the loan has not been disbursed. (4)
That all the post-dated cheques are to be issued favouring HDFC Bank Limited A/c <Mention Product Name> only. (5) that loan related information like “welcome
letter”, “repayment schedule”, “Terms and condition”, “disbursal advice (as applicable to Personal Loan/ Business Loan)”, will be sent on the e-mail id mentioned by me/
us in this loan application form. (6) that I/ We can log on to HDFC Bank Net Banking (www.hdfcbank.com) to view the welcome letter and repayment schedule. I/ We
may also request for a physical copy of Welcome Letter and Repayment Schedule separately if need be.
(Customer Copy)
ACKNOWLEDGEMENT FOR LOAN APPLICATION CONTACT US
Name of the Applicant__________________________________________________________ To get the status of your loan application you can reach us at below Contact Numbers
Type of Loan Applied___________________________________________________________ State Telephone State Telephone
Andhra Pradesh 040-61606161, 9949493333 Madhya Pradesh 0731-6160616, 9893603333
Branch Code :___________________ Date & Time of Receipts__________________________
Assam 9957193333 Maharashtra 022-61606161, 9890603333
Branch Contact Person Name_________________________ Contact No_________________
Bihar 0612-6160 616 Meghalaya 99571 93333
DSA Contact Person Name____________________________ Contact No_________________
Chandigarh 0172-6160616 New Delhi 011-61606161
Follow us on
Goa 9890603333 Odisha 99379 03333
www.facebook.com/hdfcbank
Gujarat 079-61606161, 9898271111 Punjab 0175-5001722, 98153 31111
www.twitter.com/hdfcbank_offers
Haryana 011-61606161, 9996243333 Rajasthan 9875003333
Watch us on
Himachal Pradesh 1800180 4333 Sikkim 98310 73333
www.youtube.com/hdfcbank Signature of Executive / Bank Staff Jammu & Kashmir 9890603333 Tamil Nadu 044-61606161, 9840673333
For more information please visit Jharkhand 0612-6160616 Uttar Pradesh 0522-6160616, 0522-4003333
www.hdfcbank.com
Karnataka 080-61606161, 9945863333 Uttarakhand 0135-3245413
Kerala 0484-6160616 West Bengal 033-61606161, 98310 73333
You may also write to us at : loansupport@hdfcbank.com
Important Information for Customer - Form No. IL

Period of Coverage: ______________months. Premium Amount: r ______________________
1) Anti-Rebating Warning : As per Section 41 of the Insurance Act 1938, as amended, the practice of rebating is prohibited, as follows: No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to
take out or renew or continue an insurance policy in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium show on the policy, nor shall any
person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with he published prospectus or tables of the insurer. Violations of Section 41 of the insurance Act 1938, as
amended, shall be punishable with a fine which may extend to five hundred (500) Rupees.
2) Insurance is the subject matter of the solicitation.
3) For any loss reported under the Section of Credit Shield Cover of Sarv Suraksha Plus / Star, the loss will be paid by HDFC ERGO General Insurance Co Ltd to HDFC Bank Limited. Under "Assignee Clause”
4) On receipt of request from HDFC Bank Limited, for cancellation of insurance, due to for example, cancellation of loan, forfeiture of loan, payment default etc., and also policy cancellation by the insurer, HDFC ERGO General Insurance
Co Ltd to cancel the policy and pro-rata premium for the remaining tenure of the loan would be refunded to HDFC Bank Limited and the insurance would cease to exist.
Paycheck Protection Program OMB Control No.: 3245-0407
Borrower Application Form Expiration Date: 09/30/2020
Check One:  Sole proprietor  Partnership

(  C-Corp  S-Corp  LLC
 DBA or Tradename if Applicable
 Independent contractor  Eligible self-employed individual
 501(c)(3) nonprofit  501(c)(19) veterans organization
 Tribal business (sec. 31(b)(2)(C) of Small Business Act)  Other
Business Legal Name
Business Address Business TIN (EIN, SSN) Business Phone

( ) -
Primary Contact Email Address
Average Monthly Payroll: $ x 2.5 + EIDL, Net of $ Number of Employees:

Advance (if Applicable)
Equals Loan Request:
Purpose of the loan
(select more than one): ☐Payroll ☐Lease / Mortgage Interest ☐Utilities ☐Other (explain):__________________
Applicant Ownership
List all owners of 20% or more of the equity of the Applicant. Attach a separate sheet if necessary.
Owner Name Title Ownership % TIN (EIN, SSN) Address
If questions (1) or (2) below are answered “Yes,” the loan will not be approved.
Question Yes No
1. Is the Applicant or any owner of the Applicant presently suspended, debarred, proposed for debarment, declared ineligible,  
voluntarily excluded from participation in this transaction by any Federal department or agency, or presently involved in any
bankruptcy?
☐☐
2. Has the Applicant, any owner of the Applicant, or any business owned or controlled by any of them, ever obtained a direct or ☐☐
guaranteed loan from SBA or any other Federal agency that is currently delinquent or has defaulted in the last 7 years and
caused a loss to the government?
3. Is the Applicant or any owner of the Applicant an owner of any other business, or have common management with, any other ☐☐
business? If yes, list all such businesses and describe the relationship on a separate sheet identified as addendum A.
4. Has the Applicant received an SBA Economic Injury Disaster Loan between January 31, 2020 and April 3, 2020? If yes, ☐☐
provide details on a separate sheet identified as addendum B.
If questions (5) or (6) are answered “Yes,” the loan will not be approved.
Question Yes No
5. Is the Applicant (if an individual) or any individual owning 20% or more of the equity of the Applicant subject
to an indictment, criminal information, arraignment, or other means by which formal criminal charges are ☐ ☐
brought in any jurisdiction, or presently incarcerated, or on probation or parole?
Initial here to confirm your response to question 5 →
6. Within the last 5 years, for any felony, has the Applicant (if an individual) or any owner of the Applicant 1)
been convicted; 2) pleaded guilty; 3) pleaded nolo contendere; 4) been placed on pretrial diversion; or 5) been
placed on any form of parole or probation (including probation before judgment)?
☐ ☐
Initial here to confirm your response to question 6 →
7. Is the United States the principal place of residence for all employees of the Applicant included in the ☐
Applicant’s payroll calculation above?
☐
8. Is the Applicant a franchise that is listed in the SBA’s Franchise Directory? ☐ ☐
1
SBA Form 2483 (04/20)
Paycheck Protection Program
Borrower Application Form
By Signing Below, You Make the Following Representations, Authorizations, and Certifications
CERTIFICATIONS AND AUTHORIZATIONS

I certify that:
 I have read the statements included in this form, including the Statements Required by Law and Executive Orders, and I understand them.
 The Applicant is eligible to receive a loan under the rules in effect at the time this application is submitted that have been issued by the
Small Business Administration (SBA) implementing the Paycheck Protection Program under Division A, Title I of the Coronavirus
Aid, Relief, and Economic Security Act (CARES Act) (the Paycheck Protection Program Rule).
 The Applicant (1) is an independent contractor, eligible self-employed individual, or sole proprietor or (2) employs no more
than the greater of 500 or employees or, if applicable, the size standard in number of employees established by the SBA in 13
C.F.R. 121.201 for the Applicant’s industry.
 I will comply, whenever applicable, with the civil rights and other limitations in this form.
 All SBA loan proceeds will be used only for business-related purposes as specified in the loan application and consistent with the
Paycheck Protection Program Rule.
 To the extent feasible, I will purchase only American-made equipment and products.
 The Applicant is not engaged in any activity that is illegal under federal, state or local law.
 Any loan received by the Applicant under Section 7(b)(2) of the Small Business Act between January 31, 2020 and April 3, 2020 was
for a purpose other than paying payroll costs and other allowable uses loans under the Paycheck Protection Program Rule.
For Applicants who are individuals: I authorize the SBA to request criminal record information about me from criminal justice agencies for the
purpose of determining my eligibility for programs authorized by the Small Business Act, as amended.
CERTIFICATIONS
The authorized representative of the Applicant must certify in good faith to all of the below by initialing next to each one:
_____ The Applicant was in operation on February 15, 2020 and had employees for whom it paid salaries and payroll taxes or paid independent
contractors, as reported on Form(s) 1099-MISC.
_____ Current economic uncertainty makes this loan request necessary to support the ongoing operations of the Applicant.
_____ The funds will be used to retain workers and maintain payroll or make mortgage interest payments, lease payments, and utility payments,
as specified under the Paycheck Protection Program Rule; I understand that if the funds are knowingly used for unauthorized purposes,
the federal government may hold me legally liable, such as for charges of fraud.
_____ The Applicant will provide to the Lender documentation verifying the number of full-time equivalent employees on the Applicant’s
payroll as well as the dollar amounts of payroll costs, covered mortgage interest payments, covered rent payments, and covered utilities
for the eight-week period following this loan.
_____ I understand that loan forgiveness will be provided for the sum of documented payroll costs, covered mortgage interest payments,
covered rent payments, and covered utilities, and not more than 25% of the forgiven amount may be for non-payroll costs.
_____ During the period beginning on February 15, 2020 and ending on December 31, 2020, the Applicant has not and will not receive another
loan under the Paycheck Protection Program.
_____ I further certify that the information provided in this application and the information provided in all supporting documents and
forms is true and accurate in all material respects. I understand that knowingly making a false statement to obtain a guaranteed loan
from SBA is punishable under the law, including under 18 USC 1001 and 3571 by imprisonment of not more than five years and/or a
fine of up to $250,000; under 15 USC 645 by imprisonment of not more than two years and/or a fine of not more than $5,000; and, if
submitted to a federally insured institution, under 18 USC 1014 by imprisonment of not more than thirty years and/or a fine of not
more than $1,000,000.
_____ I acknowledge that the lender will confirm the eligible loan amount using required documents submitted. I understand,
acknowledge and agree that the Lender can share any tax information that I have provided with SBA's authorized representatives,
including authorized representatives of the SBA Office of Inspector General, for the purpose of compliance with SBA Loan
Program Requirements and all SBA reviews.
_________________________________________________________ ________________________
Signature of Authorized Representative of Applicant Date
Print Name Title
2
SBA Form 2483 (04/20)
Purpose of this form:
This form is to be completed by the authorized representative of the Applicant and submitted to your SBA Participating Lender. Submission of
the requested information is required to make a determination regarding eligibility for financial assistance. Failure to submit the information
would affect that determination.
Instructions for completing this form:
With respect to “purpose of the loan,” payroll costs consist of compensation to employees (whose principal place of residence is the United
States) in the form of salary, wages, commissions, or similar compensation; cash tips or the equivalent (based on employer records of past tips
or, in the absence of such records, a reasonable, good-faith employer estimate of such tips); payment for vacation, parental, family, medical, or
sick leave; allowance for separation or dismissal; payment for the provision of employee benefits consisting of group health care coverage,
including insurance premiums, and retirement; payment of state and local taxes assessed on compensation of employees; and for an
independent contractor or sole proprietor, wage, commissions, income, or net earnings from self-employment or similar compensation.
For purposes of calculating “Average Monthly Payroll,” most Applicants will use the average monthly payroll for 2019, excluding costs over
$100,000 on an annualized basis for each employee. For seasonal businesses, the Applicant may elect to instead use average monthly payroll
for the time period between February 15, 2019 and June 30, 2019, excluding costs over $100,000 on an annualized basis for each employee.
For new businesses, average monthly payroll may be calculated using the time period from January 1, 2020 to February 29, 2020, excluding
costs over $100,000 on an annualized basis for each employee.
If Applicant is refinancing an Economic Injury Disaster Loan (EIDL): Add the outstanding amount of an EIDL made between January 31, 2020
and April 3, 2020, less the amount of any “advance” under an EIDL COVID-19 loan, to Loan Request as indicated on the form.
All parties listed below are considered owners of the Applicant as defined in 13 CFR § 120.10, as well as “principals”:
 For a sole proprietorship, the sole proprietor;

 For a partnership, all general partners, and all limited partners owning 20% or more of the equity of the firm;
 For a corporation, all owners of 20% or more of the corporation;
 For limited liability companies, all members owning 20% or more of the company; and
 Any Trustor (if the Applicant is owned by a trust).
Paperwork Reduction Act – You are not required to respond to this collection of information unless it displays a currently valid OMB
Control Number. The estimated time for completing this application, including gathering data needed, is 8 minutes. Comments about this time
or the information requested should be sent to : Small Business Administration, Director, Records Management Division, 409 3rd St., SW,
Washington DC 20416., and/or SBA Desk Officer, Office of Management and Budget, New Executive Office Building, Washington DC
20503.
Privacy Act (5 U.S.C. 552a) – Under the provisions of the Privacy Act, you are not required to provide your social security number. Failure to
provide your social security number may not affect any right, benefit or privilege to which you are entitled. (But see Debt Collection Notice
regarding taxpayer identification number below.) Disclosures of name and other personal identifiers are required to provide SBA with
sufficient information to make a character determination. When evaluating character, SBA considers the person’s integrity, candor, and
disposition toward criminal actions. Additionally, SBA is specifically authorized to verify your criminal history, or lack thereof, pursuant to
section 7(a)(1)(B), 15 USC Section 636(a)(1)(B) of the Small Business Act (the Act).
Disclosure of Information – Requests for information about another party may be denied unless SBA has the written permission of the
individual to release the information to the requestor or unless the information is subject to disclosure under the Freedom of Information Act.
The Privacy Act authorizes SBA to make certain “routine uses” of information protected by that Act. One such routine use is the disclosure of
information maintained in SBA’s system of records when this information indicates a violation or potential violation of law, whether civil,
criminal, or administrative in nature. Specifically, SBA may refer the information to the appropriate agency, whether Federal, State, local or
foreign, charged with responsibility for, or otherwise involved in investigation, prosecution, enforcement or prevention of such violations.
Another routine use is disclosure to other Federal agencies conducting background checks but only to the extent the information is relevant to
the requesting agencies' function. See, 74 F.R. 14890 (2009), and as amended from time to time for additional background and other routine
uses. In addition, the CARES Act, requires SBA to register every loan made under the Paycheck Protection Act using the Taxpayer
Identification Number (TIN) assigned to the borrower.
Debt Collection Act of 1982, Deficit Reduction Act of 1984 (31 U.S.C. 3701 et seq. and other titles) – SBA must obtain your taxpayer
identification number when you apply for a loan. If you receive a loan, and do not make payments as they come due, SBA may: (1) report the
status of your loan(s) to credit bureaus, (2) hire a collection agency to collect your loan, (3) offset your income tax refund or other amounts
due to you from the Federal Government, (4) suspend or debar you or your company from doing business with the Federal Government, (5)
refer your loan to the Department of Justice, or (6) foreclose on collateral or take other action permitted in the loan instruments.
Right to Financial Privacy Act of 1978 (12 U.S.C. 3401) – The Right to Financial Privacy Act of 1978, grants SBA access rights to
financial records held by financial institutions that are or have been doing business with you or your business including any financial
3
SBA Form 2483 (04/20)
institutions participating in a loan or loan guaranty. SBA is only required provide a certificate of its compliance with the Act to a financial
institution in connection with its first request for access to your financial records. SBA's access rights continue for the term of any approved
loan guaranty agreement. SBA is also authorized to transfer to another Government authority any financial records concerning an approved
loan or loan guarantee, as necessary to process, service or foreclose on a loan guaranty or collect on a defaulted loan guaranty.
Freedom of Information Act (5 U.S.C. 552) – Subject to certain exceptions, SBA must supply information reflected in agency files and
records to a person requesting it. Information about approved loans that will be automatically released includes, among other things, statistics
on our loan programs (individual borrowers are not identified in the statistics) and other information such as the names of the borrowers (and
their officers, directors, stockholders or partners), the collateral pledged to secure the loan, the amount of the loan, its purpose in general terms
and the maturity. Proprietary data on a borrower would not routinely be made available to third parties. All requests under this Act are to be
addressed to the nearest SBA office and be identified as a Freedom of Information request.
Occupational Safety and Health Act (15 U.S.C. 651 et seq.) – The Occupational Safety and Health Administration (OSHA) can require
businesses to modify facilities and procedures to protect employees. Businesses that do not comply may be fined, forced to cease operations,
or prevented from starting operations. Signing this form is certification that the applicant, to the best of its knowledge, is in compliance with
the applicable OSHA requirements, and will remain in compliance during the life of the loan.
Civil Rights (13 C.F.R. 112, 113, 117) – All businesses receiving SBA financial assistance must agree not to discriminate in any business
practice, including employment practices and services to the public on the basis of categories cited in 13 C.F.R., Parts 112, 113, and 117 of
SBA Regulations. All borrowers must display the "Equal Employment Opportunity Poster" prescribed by SBA.
Equal Credit Opportunity Act (15 U.S.C. 1691) – Creditors are prohibited from discriminating against credit applicants on the basis of race,
color, religion, national origin, sex, marital status or age (provided the applicant has the capacity to enter into a binding contract); because all
or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right
under the Consumer Credit Protection Act.
Debarment and Suspension Executive Order 12549; (2 CFR Part 180 and Part 2700) – By submitting this loan application, you certify
that neither the Applicant or any owner of the Applicant have within the past three years been: (a) debarred, suspended, declared ineligible or
voluntarily excluded from participation in a transaction by any Federal Agency; (b) formally proposed for debarment, with a final
determination still pending; (c) indicted, convicted, or had a civil judgment rendered against you for any of the offenses listed in the
regulations or (d) delinquent on any amounts owed to the U.S. Government or its instrumentalities as of the date of execution of this
certification.
4
SBA Form 2483 (04/20)
Small Business Loan Application Form
RBL Bank Limited (Formerly : The Ratnakar Bank Limited) Application Date
I/ We hereby request you to sanction the Loan based on the following:
Type of loan : Secured Term Loan Unsecured Term Loan Loan Amount requested: `
Purpose of loan
Mudra Category : Shishu Kishore Tarun
Security Offered : Residential Commercial Others : ( Please specify )
Rate of Interest : Tenure:
Existing RBL Bank Customer Yes No If Yes, Customer ID Reference ID
Non Individual Details

Name
Date of Incorporation D D M M Y Y Y Y PAN Form 60 / 61 Yes No (If PAN not available)
Constitution 1 Individual 2 Sole Proprietorship 3 Partnership 4 Others (If “others“ fill as per Bank’s KYC policy )
Industry Type 1 Manufacturing 2 Trading 3 Service 4 Micro Enterprises 5 Others

If “others“ fill as per Bank’s KYC policy
Annual Turnover 1 0 - 5 Lakh 2 5 - 10 Lakh 3 10 - 25 Lakh 4 25 Lakh - 1 Cr. 5 1 - 5 Cr.
(Avg. income for corp.)
Business Activity
Number of Years in Business Number of Employees SSI Registration No.
Registered Address of the Entity Preferred Mailing Address
Address Line 1
Address Line 2 Pin Code
City State Country
Business Premises Self Owned Rented Years in Current Address
Operating Address of the Entity Preferred Mailing Address Same as Mailing Address
Address Line 1
Address Line 2 Pin Code
City State Country
Business Premises Self Owned Rented Years in Operating Address
Name of The Contact Person
Telphone No. S T D Mobile No. (For receiving SMS Alerts)
Email ID
Individual Details (fill new form for additional co-applicants)

(Individual/Sole Prop./Managing Partner) Applicant
Title 1 Mr. 2 Ms. 3 Mrs. 4 Dr. 5 Others
Please Specify
Full name
(First-Middle-Last)
Mother's Maiden Name
(First-Middle-Last)
Date of Birth
Gender Male (Type of Org - 41) Female(Type of Org - 42) Trans Gender
Marital Status Married Unmarried Other_______________
Nationality Indian Other_______________
Education Level Undergraduate Graduate Post Graduate Professional Other ________________
Employment Type Salaried Self-employed Retired Student Politician Housewife Other ________________
Occupation Doctor CA/CS Lawyer Architect
(Self employed professional)
Engineer Consultant Agriculturist Other ________________
Source of Income Salary Business Income Investment Income Agriculture Other ________________
Gross Annual Income < 60K 60K-1.2 Lakh 1.2 - 2 Lakh 2 - 3 Lakh 3 - 5 Lakh 5 - 10 Lakh 10 - 50 Lakh > 50 Lakh
(Individual/Sole Prop./Managing Partner) Co - Applicant
Title 1 Mr. 2 Ms. 3 Mrs. 4 Dr. 5 Others
Please Specify
Full name
(First-Middle-Last)
Co-applicant is __________________ in relation with the main applicant:--
Mother's Maiden Name
(First-Middle-Last)
Date of Birth
Gender Male (Type of Org - 41) Female(Type of Org - 42) Trans Gender
Marital Status Married Unmarried Other_______________
Nationality Indian Other_______________
Education Level Undergraduate Graduate Post Graduate Professional Other ________________
Employment Type Salaried Self-employed Retired Student Politician Housewife Other ________________
Occupation Doctor CA/CS Lawyer Architect
(Self employed professional)
Engineer Consultant Agriculturist Other ________________
Source of Income Salary Business Income Investment Income Agriculture Other ________________
Gross Annual Income < 60K 60K-1.2 Lakh 1.2 - 2 Lakh 2 - 3 Lakh 3 - 5 Lakh 5 - 10 Lakh 10 - 50 Lakh > 50 Lakh
Small Business Banking
Applicant Co-Applicant
Category SC ST OBC Minority General Category SC ST OBC Minority General
Religion Hindu Sikh Muslim Zoroastrian Religion Hindu Sikh Muslim Zoroastrian
Christian Buddhist Others____________ Christian Buddhist Others_____________
Adhaar Number Adhaar Number
KYC Details - Type & No ID Proof Address Proof KYC Details - Type & No ID Proof Address Proof
(PAN/Voter ID/Driving Licence/ (PAN/Voter ID/Driving Licence/
ID Proof Number
Ration card/ Passport etc.) Add Proof Number Ration card/ Passport etc.) ID Proof Number Add Proof Number
Current Registered Mailing Address Same as Applicant's Address
Pin Code Pin Code

Staying for ______Years & Owned Family Rented Staying for ______Years & Owned Family Rented
Permanent Residential Address Same as Current Registered Mailing Address
Pin Code Pin Code
Tel Nos S T D Tel Nos S T D
Mobile Mobile
Office Address
Pin Code Pin Code
Tel Nos S T D Tel Nos S T D
Mobile Mobile
Constitution 1 Individual 2 Sole Proprietorship 3 Partnership 4 Others (If “others“ fill as per Bank’s KYC policy )
PSL Classification : Direct Agri (101) Indirect Agri (102) Micro Mfg (103) Micro Service (104) Small Mfg (105)
Small Service (106) Education (107) Housing Loan (108) Micro Credit (118)
Unit activity Status : Micro- Service Micro- Mfg Micro- Retail Small- Service Small- Mfg Small - Retail
Banking & Existing Loans Details

A. Banking
Account holder Current / Saving / Since how
Name of bank & branch Account No.
(Applicant) CC or OD many years
B. Existing Loan
Name of Lending Purpose of loan Loan Amount Tenor of Monthly Current Balance
Institution loan (Mths) Instalment Outstanding Tenor (Mths)
C. Trade Reference
1. Name 2. Name
Contact Person Contact Person
Address Address
Contact No Contact No
Relationship with applicant Relationship with applicant

Security Details
Particular Details
a. Primary Stock/Debts/Others
Market Value as on date (` in lakhs)
b. Collateral
i. Immovable Property Ownership Type Self Joint Others
Name of the registered owner
Relationship with Applicant/ Co-Applicant
Property Address
Area (In Sq. Ft)

Age of the property in years
ii. Other Security FD/LIC Policy/KVP/Shares/Bonds/Others
Security Details
Documents Checklist
Pre-Sanction Documents
1. Profile of the Firm and Promoters
2. Bank Statement for the last 6 months
3. Audited Financial Statement of the last 2/3 years along with the schedules, notes to accounts and Audit Report
4. ITR of the last 2/3 years along with all relevant Annexures
5. Self-Certified Provisional Balance Sheet and P&L A/c of 20_____________________
6. Kuccha Bills, Sales & Purchase Register (Applicable for unsecured loans)
7. Sanction letter of any existing banking facility
8. Proof of Identity & age proof (Passport, Valid driving license, Voters ID Card, Pan card, Aadhar card) *
9. Proof of Address & signature(Valid driving license, Leave & License Agreement, Register sale deed or sale agreement)*
10. Proof of Address of the firm: Latest Telephone Bill / Electricity Bill / Bank Statement / Leave and licence agreement (Any One)
11. Certificate of Registration of Firm (if registered) / Partnership Deed
12. SSI Registration, if applicable
13. VAT assessment order or Sales Tax Registration or License issued under Shop & Establishment Act or CST / VAT Certificate.
14. Property paper including Title Deed, Completion Certificate, Occupancy Certificate, Tax Receipt, Sanction Plan, etc.
15. Any other document / information as required on a case to case basis.
Post Sanction Documents
1. Loan Agreement Booklet and other documents enclosed in the kit
2. Accepted copy of Sanction letter
3. Signature Verification
4. ECS/SI/PDC/Security Cheques
* Note :
·For SBB Loan additional details may be accepted by RBL Bank.
·RBL Bank reserves the right to seek any additional document if required and the same shall be informed to the Applicant
and/ or Co- Applicant.
FOR OFFICE USE ONLY
Branch Code LC Code LG Code Bus. Seg Product Code:

Sourcing Code Lead Generator
RO's Name & EMP ID ________________________________________Signature__________________Date: D D M M Y Y Y Y Place: ______________
Customer ID (Entity): DSB Industry - Others Residuary
Customer ID (App/Co-app): BSR Activity Code:
Customer ID (App/Co-app):
Status of Applicant/Co-Applicant : Individual Proprietorship Partnership Firm

Investment in Plant and Machinery (manufacturing enterprise)/ office equipment (Service enterprises): ` __________________
Bank use Only
Know your customer details (KYC)
1. Document _______________________________ Document ID No______________________ Date of issue_________________ Expiry Date_________________
2. Document _______________________________ Document ID No______________________ Date of issue_________________ Expiry Date_________________

I have met Mr. / Ms. _______________________________________________________________ in person. I confirm that I have visited the residential/
office address of the applicant and verified the applicant’s identity and address. The form has been filled and signed in my presence. The original documents
have been verified by me.
Name of Bank Official/DSE/DSA Signature of Bank Official/DSE/DSA Emp. ID

Staff Indicator Staff ID Branch Code Constitution Individual Pensioner RBL Staff NRI
(For RBL Bank Emp only) Other then RBL
Do not call Customer Type Individual NRI HNI Sr. Citizen Promo Code
LC Code (LG) Code Walk-in customer Yes No
Preferred Customer ID Sourcing Code Lead Generator
Primary Relationship Manager ID Weaker Section PEP
Only for Assets
CRPEP BSR Type of Organization MIS Code.1

Business Segment MIS Code.2 MIS Code.3 MIS Code.4
MIS Code.5 MIS Code.6 Risk Categorization : L M H
Confirmations / Declarations:
1. I/We declare that all the particulars and information given in the application form is true, correct and complete and no material information has
been withheld/suppressed.
2. I/We shall advise the RBL Bank in writing of any change in my/our residential or employment/ business address or any such change which may
affect my credit worthiness.
3. I/We confirm that the funds shall be used for the stated purpose and will not be used for speculative or antisocial purpose.
4. I /We understand that the Bank reserves the right to retain the photographs and documents submitted with this application and will not return the
same to me /us.
5. I/Weunderstand that the sanction of this loan is at the sole discretion of the Bank and upon my/our executing necessary security(ies) and other
formalities as required by the Bank.
6. I/We confirm that I/we are not a director or a relative of director of other banks, not a firm in which a director or a relative of directors or other banks
are interested partner/ guarantor, not a director/ senior officer/ relative of director or senior officer of the bank.
7. I/We hereby authorize and give consent to the Bank to disclose, without notice to me/us, information furnished by me/us in application form(s)/
related documents executed in relation to the facilities availed from the Bank, to the Bank's other branches/subsidiaries/affiliates, Credit
Bureaus/Rating Agencies, Services Providers, banks/financial institution, governmental/ regulatory authorities, third parties for KYC information
verification, credit risk analysis, or for other related purposes that the Bank may deem fit.
8. I/We waive the privilege of privacy and privity of contract.
9. I/We understand that the tenure /repayment /interest/other terms and conditions of the loan are subject to changes as a consequence to any
changes in themoney market conditions or on account of any other statutory or regulatory requirements or at the Bank’s discretion. The Bank
reserves that right to review and amend the terms of the loan to such extent as it may deem fit.
10. I/We understand that the purchase of any insurance products is purely voluntary, and is not linked to availment of any other facility from the Bank.
11. I/We Consent / Do not consent to receive information/ service etc. for marketing purpose through Telephone/ Mobile/SMS/ E-mail by the
Bank/ its agents.
12. I/We confirm that I/we have read and understood the above Declaration, and that the details provided on the form are correct.
Entity's
Authorized Co-Applicant/
Applicant Photo
signatory Guarantor Photo
Photo
Signature of Authorised Person Signature of Authorised Person Signature of Authorised Person
Name :__________________________________ Name :__________________________________ Name :__________________________________
_________________________________________ _________________________________________ _________________________________________
CUSTOMER SERVICE: +91 22 61846300 (9 AM - 7 PM, 7 Days a Week) @ Email us at : customercare@rblbank.com Website : www.rblbank.com
MOST IMPORTANT TERM & CONDITIONS
MSME Loans Fees & Charges

Processing Fees No processing fee for MSE Loans (Loans upto Rs. 5 Lacs without security),
SBB Loans (Loans upto Rs. 5 Lacs with security) : 3.0% of Loan Amount,
Secured Loans: 2.0% of Loan Amount for Rs. 5 Lacs and above
Legal & Technical Valuation Charges Rs.4000 Upfront for Secured Loans
Rs.1000 for SBB Loans.
Charges for late payment of EMI 2% additional interest per month on overdue EMI amount
Issue of Duplicate Interest & Principal Certificate Rs.250
Duplicate no due certificate / NOC Rs.250
Cheque swapping charges Rs.250
Bounce Cheque Charges Rs.250
Charges for CIBIL report Rs.50
Part Pre-Payment Charges No pre-payment charge upto 15% of outstanding principal in one year.
(For Secured Loans only) Prepayment above 15% of outstanding will be charged at 2% of amount paid
Foreclosure charges 3% of principal outstanding
Documentation Fees (For MSE Loans) Rs.7500
* Please see overleaf for more conditions
MOST IMPORTANT TERM & CONDITIONS
MSME Loans Fees & Charges

Processing Fees No processing fee for MSE Loans (Loans upto Rs. 5 Lacs without security),
SBB Loans (Loans upto Rs. 5 Lacs with security) : 3.0% of Loan Amount,
Secured Loans: 2.0% of Loan Amount for Rs. 5 Lacs and above
Legal & Technical Valuation Charges Rs.4000 Upfront for Secured Loans
Rs.1000 for SBB Loans.
Charges for late payment of EMI 2% additional interest per month on overdue EMI amount
Issue of Duplicate Interest & Principal Certificate Rs.250
Duplicate no due certificate / NOC Rs.250
Cheque swapping charges Rs.250
Bounce Cheque Charges Rs.250
Charges for CIBIL report Rs.50
Part Pre-Payment Charges No pre-payment charge upto 15% of outstanding principal in one year.
(For Secured Loans only) Prepayment above 15% of outstanding will be charged at 2% of amount paid
Foreclosure charges 3% of principal outstanding
Documentation Fees (For MSE Loans) Rs.7500
* Please see overleaf for more conditions

I/we confirm that the executive collecting the application/document has /have Informed me/us of the
• The applicable rate of interest and the type of interest (floating/fixed). Processing fees & Legal and Technical Valuation Charges ( non-refundable) that will be charged towards loan application.
• The service tax as may be applicable that will be charged in connection with the fees. The other applicable charges such as cheque return charges, PDC swapping charges, Foreclosure charges
etc. as mentioned in the attached Table
• Details with respect to the EMI and amount will be communicated separately through a welcome letter post disbursement of loan.
• The credit decision is based on a credit model which includes factors like credit history, repayment track record, banking habits, business stability & cash flow analysis which is assessed through a
combination of personal discussion and documentation.
That:
• Incomplete / defective application will not be processed and RBL Bank. RBL Bank shall not be responsible in any manner for the resulting delay or otherwise
• Equated Monthly Installment(EMI) will be due on 5th of every month or the date as specified in the sanction letter/welcome letter.
• The loan Foreclosure charges are as per the Loan agreement. The Foreclosure charges are levied / calculated on the balance principal outstanding of the loan( subject to clause governing par t
prepayments). No foreclosure charges/prepayment penalties on floating rate term loans sanctioned to individual Applicant/ Co-Applicant.
• The Bank would update you about the loan decision in approximately 15 working days from the date of receipt of the completed application form and all the required documents.
• The loan terms as sanctioned are applicable for the specified product as indicated in the loan application and are valid for period of 30 days only. Where for some reasons, there is a delay in
concluding the loan. The Bank reserves the right to revise the loan terms as may be applicable at the time of actual loan availment.
I/We also confirm that
a) The executive has not made any commitments to me /us regarding the loan quantum / sanction process(or) promised any deviation / waivers.
b) The executive has collected self attested copies of the documents mentioned on the front side and verified the same with originals produced by me/us.
c) We have not given/ made any payment in cash, bearer cheque or kind along with or in connection with this loan application to the said executive (or)to any
other employee of the bank(or) to any other third party.
The details of loan terms / conditions inclusive of all charges have been read by me /us in full read out to me/us (in vernacular) and understood by me/us.
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Name of Bank Official/DSE/DSA:

Signature of
Applicant Name:
Bank Official/DSE/DSA
Application Date D D M M Y E A R Applicant Signature
For Any queries/ clarifications please contact:
CUSTOMER SERVICE: +91 22 61156300 to 99 (9 AM - 7 PM, 7 Days a Week) @ Email us at : customercare@rblbank.com

I/we confirm that the executive collecting the application/document has /have Informed me/us of the
• The applicable rate of interest and the type of interest (floating/fixed). Processing fees & Legal and Technical Valuation Charges ( non-refundable) that will be charged towards loan application.
• The service tax as may be applicable that will be charged in connection with the fees. The other applicable charges such as cheque return charges, PDC swapping charges, Foreclosure charges
etc. as mentioned in the attached Table
• Details with respect to the EMI and amount will be communicated separately through a welcome letter post disbursement of loan.
• The credit decision is based on a credit model which includes factors like credit history, repayment track record, banking habits, business stability & cash flow analysis which is assessed through a
combination of personal discussion and documentation.
That:
• Incomplete / defective application will not be processed and RBL Bank. RBL Bank shall not be responsible in any manner for the resulting delay or otherwise
• Equated Monthly Installment(EMI) will be due on 5th of every month or the date as specified in the sanction letter/welcome letter.
• The loan Foreclosure charges are as per the Loan agreement. The Foreclosure charges are levied / calculated on the balance principal outstanding of the loan( subject to clause governing par t
prepayments). No foreclosure charges/prepayment penalties on floating rate term loans sanctioned to individual Applicant/ Co-Applicant.
• The Bank would update you about the loan decision in approximately 15 working days from the date of receipt of the completed application form and all the required documents.
• The loan terms as sanctioned are applicable for the specified product as indicated in the loan application and are valid for period of 30 days only. Where for some reasons, there is a delay in
concluding the loan. The Bank reserves the right to revise the loan terms as may be applicable at the time of actual loan availment.
I/We also confirm that
a) The executive has not made any commitments to me /us regarding the loan quantum / sanction process(or) promised any deviation / waivers.
b) The executive has collected self attested copies of the documents mentioned on the front side and verified the same with originals produced by me/us.
c) We have not given/ made any payment in cash, bearer cheque or kind along with or in connection with this loan application to the said executive (or)to any
other employee of the bank(or) to any other third party.
The details of loan terms / conditions inclusive of all charges have been read by me /us in full read out to me/us (in vernacular) and understood by me/us.
bmoZ Ho$ {Z¶‘m|/eVm] Ho$ {ddaU g^r MmO}O g{hV ‘¢Zo/h‘Zo nyar Vah n‹T> {bE h¢, ‘oao/h‘mao {bE (àmXoerH$ ^mfm ‘|) n‹T>o JE h¢ VWm ‘¢Zo/h‘Zo BÝh| g‘P {b¶m h¡.
gd© ewëH$m§gh H$Om©À`m {Z`_/AQ>tMr g{dñVa _m{hVr _r/Amåhr dmMbr Amho, _bm / Amåhmbm (àmXo{eH$) ^mfo_Üò dmMyZ XmIdÊ`mV Ambr Amho Am{U hr _bm/Amåhmbm g_Obr Amho.
sdpd QpÆ®k krls gp¡__p„ r_edp¡ A_¡ ifsp¡_¡ d¢/Ad¡ hp„Ãep„ R>¡, d_¡/Ad_¡ (v$¡iu cpjpdp„) hp„Qu k„cmphhpdp„ Apìep„ R>¡ A_¡ d¢/Ad¡ A¡ kdÆ gu^p„ R>¡.
ÓÝÆ¨Ü ¯Ÿí«Ü®æWÜÙÜ®Üá° /ÐÜÃÜñÜá¤WÜÙÜ®Üá° ÊÜáñÜá¤ GÆÉ ÍÜáÆRWÜÙÜ ËÊÜÃÜWÜÙÜ®Üá° ®Ý®Üá/®ÝÊÜâ ÓÜí±Üä|ìÊÝX K©, A¥ÜìÊÜÞwPæãíw¨æªà®æ/Êæ; ®Ü®ÜWæ/®ÜÊÜáWæ (ÊÜÞñÜê»ÝÐæ¿áÈÉ) ÓÜí±Üä|ìÊÝX K©ÖæàÙÜÇÝX¨Üáª, A¨Ü®Üá°
®Ý®Üá/®ÝÊÜâ A¥ÜìÊÜÞwPæãíw¨æªà®æ/Êæ.
Ææÿ$×ý… °Äæý$Ðèþ$ °º…«§æþ¯èþË$/^éÈjË °MæüÆæÿ… ÑÐèþÆ>Ë$ ¯óþ¯èþ$/Ðóþ$Ðèþ$$ çÜ…ç³NÆæÿ~…V> ^èþ¨ÐéÐèþ$$, ¯éMæü$/Ðèþ*Mæü$ ^èþ¨Ñ Ñ°í³…^èþºyìþ…¨ (Ðèþ*™èþ– ¿êçÙÌZ) Ðèþ$ÇÄæý$$ ¯óþ¯èþ$/Ðóþ$Ðèþ$$ AÆæÿ¦…^óþçÜ$Mæü$¯é²Ðèþ$$.
AøÚzx Pmhn[PÒ Em£h PhÝUPõÚ ÂvPÒ/{£¢uøÚPÎß Â£µ[PøÍ |õß/|õ[PÒ £izx ¦›¢x öPõskÒ@Íß/öPõskÒ@Íõ® AÀ»x
GßÚõÀ/G[PÍõÀ ¦›¢x öPõÒÍU Ti¯ ¤µõ¢v¯ ö©õÈ°À GÚUS/G[PÐUS £izxU Põmh¨£mkÒÍÚ.
Name of Bank Official/DSE/DSA:

Signature of
Applicant Name:
Bank Official/DSE/DSA
Application Date D D M M Y E A R Applicant Signature
For Any queries/ clarifications please contact:

CUSTOMER SERVICE: +91 22 61156300 to 99 (9 AM - 7 PM, 7 Days a Week) @ Email us at : customercare@rblbank.com
CONCLUSIONS AND RECCOMENDATIONS
This study looked at future 2040, 25 model years from now, when it was assumed that
all automobiles will have been replaced by electric (PEVs and PHEVs) vehicles only.
Certain assumptions were needed to be held in order to forecast various types of data,
essential to the process of obtaining related results. Results showed that the annual
cost of operating a PEV or a PHEV, in 2040, is 3 to 4 times as low compared to a
gasoline-powered car, not including battery’s replacement cost. Furthermore, it was
estimated that the cost to fuel California’s automobile fleet in 2040 would be half of
that required had there been only gasoline-powered vehicles on the roads.
The study also calculated the net tailpipe emissions of all automobiles in 2040 for the
two cases where in the first case they are all electric (PEVs and PHEVs) and in the
second they are all gasoline-powered. It was found that if California switches to
electric vehicles it would reduce its CO2 emissions by 40 million metric tons. The
number of power stations needed to be built to meet the electricity demand to power
the State’s automobile fleet in 2040 was estimated by the type of energy source the
plant uses, assuming the State’s power production mix is the same between now and
2040.
However, as the State is expected to increasingly keep moving towards renewable

sources, in order to meet its goal of reducing its emissions by 80% of 1990 levels,
California is likely to reduce even further the projected 40 million metric tons of CO2
emissions. Moreover, should the State decide to resort to using nuclear sources of
energy more widely in the future, not only it will be able to reduce substantially its
CO2 emissions but also will need to build far fewer plants due to the very high
capacity factor nuclear source brings into the mix.
Another great challenge that the State will need to overcome in order to accommodate
the transformation of its future, 2040, automobile fleet into an electric-based one
(consisting solely of PEV’s and PHEV’s) is the construction and instalment of a great
number of charging stations. Specifically, based on the stated assumptions, it was
estimated that the State will need to build on average 42,599 charging stations per year
in the period 2015-2040 a rate 38 times higher to the one between 2014 and 2015.
49 JSPM’S BhivraBai Sawant Polytechnic, wagholi. (Department of E&TC)

However, with developments in charging technology in combination to an increased

demand for electric vehicle technologies the number of required charging stations may
decrease along with the cost of their construction. Through this study, overall, it is
apparent that the benefits that EV’s bring, assumed not only on a personal for the
consumer level but also for the general well-being, are significant.
However, major steps need to be taken towards battery technology and charging
planning and infrastructure. But, since a free market is dictated by the economic laws
of supply and demand, it is equally important that consumers’ view on these
technologies must change in order to propagate such revolutions. On a more individual
level, I believe that it is duty of us all to be as adequately aware of these, and any
developing, technologies in order to be able to make responsible, to ourselves, the
others and the planet, decisions.
‘The more you know, the less you need’

REFERENCES
 https://greenliving.lovetoknow.com/Hybrid_Car_Company_Names
 https://en.m.wikipedia.org/wiki/Hybrid_electric\_vehicle
 https://www.slideshare.net/mobile/christensenperformance/solar-powered-vehicles-
the-future-of-transportation
 http://www.madehow.com/Volume-1/Solar-Cell.html
 https://interestingengineering.com/all-you-need-to-know-about-solar-powered-cars
 https://www.irjet.net/archives/V4/i8/IRJET-V4I8322.pdf
 https://www.researchgate.net/publication/268391373_A_SOLAR_VEHICLE_BASE
D_ON_SUSTAINABLE_DESIGN_CONCEPT
 https://science.howstuffworks.com/science-vs-myth/everyday-myths/does-hybrid-car-
production-waste-offset-hybrid-benefits1.htm
 https://www.ijirset.com/upload/2018/april/109_DESIGN.pdf
 https://theicct.org/sites/default/files/publications/ICCT_TechBriefNo1_Hybrids_July2
015.pdf
 https://www.tesla.com/
 https://m.economictimes.com/industry/auto/auto-news/hyundai-kona-indias-first-
fully-electric-suv-at-rs-25-3-lakh-launched/videoshow/70145823.cms
 https://www.hyundai.com/in/en/find-a-car/kona-electric/highlights.html

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JAYAWANT SHIKSHAN PRASARAK MANDAL’s

Bhivrabai Sawant Polytechnic

‘‘Entrepreneurship Report on”

1. Ms. Aishwarya Jadhav

This is to certify that Ms. Aishwarya Jadhav 1707100253

Submitted in partial fulfilment of requirement for award of diploma in

Prof. S.K. Raut Prof. Dhorje. R. S

A project of such comprehensive coverage cannot be prepared without help of

Bhivrabai Sawant Polytechnic

Electronics & Telecommunication Engineering Department

To develop Electronics & Telecommunication Engineers with sound technical

M1: To create environment for imparting technical education through effective

M2:: To develop industry driven & Entrepreneurial Skills through co-curricular

M3: To provide value based education for socio

Bhivrabai Sawant Polytechnic

Institute vision & Mission

To develop globally competent technocrats by imparting quality technical

 M1- To nurture re and maintain an environment oof high

 M2- To deliver quality education by inserting basic and engineering

Bhivrabai Sawant Polytechnic

Programme Outcomes (Po’s)

PO 2. Discipline knowledge: An ability to apply discipline-specific

PO 6. Environment and sustainability: Understand the impact of the engineering solutions in

PO 9. Communication: An ability to communicate effectively.

Bhivrabai Sawant Polytechnic

Programme Educational Objectives (Peo’s )

PEO 1: To develop the ability among student to understand the concept of

PEO 2: To give exposure to emerging technologies adequate training &

PEO 3: To promote innovative ideas, logical thinking & improve communication

Programme Specific Outcomes (Pso’s)

PSO3: Understanding the principle and construction of electrical machine and

JSPM’S BhivraBai Sawant Polytechnic, wagholi. ( Department of E&TC)

 Growth opportunities and latent adjacency in Solar Vehicle Market

JSPM’S BhivraBai Sawant Polytechnic, wagholi. ( Department of E&TC)

SUMMARY OF THE SUCCESSFUL ENTREPRENEURS

Musk had long been interested in the possibilities

In 2010 the company’s initial public offering

JSPM’S BhivraBai Sawant Polytechnic, wagholi. ( Department of E&TC)

The challenges of this project are as follows:

1. To study design use photovoltaic source of power.

1 JSPM’S BhivraBai Sawant Polytechnic, wagholi. ( Department of E&TC)

In 1977, Alabama University professor Ed Passereni built the Blue-bird solar

In 1979 Englishman, A lain Freeman invented a solar powered vehicle. His

2 JSPM’S BhivraBai Sawant Polytechnic, wagholi. ( Department of E&TC)

At the engineering department at Tel Aviv University in Israel, Arye

Solar powered vehicles combine technology typically used in the aerospace,

3 JSPM’S BhivraBai Sawant Polytechnic, wagholi. ( Department of E&TC)

PV cells are made of semiconductor materials such as silicon and alloys of

During the 1990s, regulations require in approach to "zero emissions" from

4 JSPM’S BhivraBai Sawant Polytechnic, wagholi. ( Department of E&TC)

HISTORY OF PHOTOVOLTAIC CELL

As a result, selenium was quickly adopted in the emerging field of photography

5 JSPM’S BhivraBai Sawant Polytechnic, wagholi. ( Department of E&TC)

In 1954, scientists at Bell Laboratories depended on the Czochralski process to

The term "photo-voltaie" has been in use in English since 1849.The

In 1888 Russian physicist Aleksandr Stoktov buit

6 JSPM’S BhivraBai Sawant Polytechnic, wagholi. ( Department of E&TC)

Instead, the price of cells was determined largely by the semiconductor