Format S 2: Circle: Smeccc: Branch

FORMAT S 2 Annexure II
(Applicable to loans Rs. 25.00 lakh to Rs. 1 crores under MSME and Indirect Agl. Segments including loans
under CGTMSE guarantee, e-DFS and other Schematic lending)
(All the figures reported in the proposal are in Rs. Lakh , unless specified otherwise)
SECTION A1
MEMORANDUM FOR Chief Manager
Circle: Hyderabad SMECCC: SME CITY CREDIT CENTER, Branch: SME CITY CREDIT CENTER,
HYDERABAD HYDERABAD
Borrower's Name: M/s. SPEAR ENGINEERING SOLUTIONS PVT LTD (MD-C S PRASAD)
Name of the Scheme: Bank's Usual Credit Dispensation Scheme
Existing CRA As on Proposed CRA As on
SB8 31/03/2017
@ Minimum mark will be NIL in cases where Collateral is not to be asked as per Bank’s norms
a)Proposal: For sanction / approval / confirmation :
i) Sanction for (i). Renewal of FBWC limits with enhancement/reduction from Rs.40 lakhs to Rs.44
lakhs and NFBWC limits of Rs.0.00 lakhs at the existing level.
ii) Approval for (i). Review of existing Term Loan/Term Loans/Corporate Loan
iii) Confirmation for (i). Action in having continued the limits beyond the validity of last sanction i.e. beyond
31/12/2017.
This proposal falls within the power of Chief Manager as
(i) FB/NFB/Total indebtedness is Rs.49.67 Lakh to Corporate
(ii) Involves policy level deviations: No
If yes, Indicate policy level deviations: NOT APPLICABLE
iii) Recommended pricing @ MCLR (%) + % = ____% p.a. falls within the discretionary powers of Not Applicable
iv) Other: NIL
b) Unit's Profile :
Location: M (Metro) Constituition : Pvt Ltd co
Line of Activity : MANFCTURING OF INDUSTRIAL FRAME WORKS IN METAL
Activity Type Manufacturing Priority Sector Yes
Industry Classification: Manufacturing Sub Industry: MANFCTURING

Date of Establishment/incorporation 04/10/2011 Commercial 04/10/2011
operation date(COD):
Value of original P&M/Equip.(Rs.) 4468254 Segment: Small Enterprise
(As per MSMED Act)
Scheme: Bank's Usual Credit Dispensation Scheme Application No: 180070501510757

Page 1 of 24
CGTMSE cover Yes Business Segment SSI MFG
New unit/Existing unit Existing Existing Connection Yes
IRAC Status of Advances Standard If Yes, Banking with 27/03/2013

us since
As on: 23/03/2018
Date of last Renewal/ Review: 31/12/2015 Renewal / Review 31/12/2017
valid upto
Whether CIBIL/ Experian/ Equifax/ Yes Date 23/03/2018

Highmarks etc check done If Yes,
their Ref No & Date
Whether unit is considered Existing

new for the purpose of CRA
calculation:
Whether Takeover involved No If Yes, Name of the NA
existing Bank
Branch NA
Conduct of account with existing NA Credit Information NA
Bank Report from existing
banker
c) Total Indebtedness (Existing and proposed): (Rs. in Lakh)
Existing Sanction Proposed Change

CC 40.00 44.00 4.00
Total FBWC 40.00 44.00 4.00
TL 5.67 5.67 0.00
Total FB(a) 45.67 49.67 4.00
Total NFBWC (b) 0.00 0.00 0.00
Derivative/Forward
Contract Limits (c)
Total NFB (b)+(c) = d 0.00 0.00 0.00

Total Indebtedness (a)+(d)
45.67 49.67 4.00
=e
d) Banking Arrangement and Sharing Pattern: (Rs. in Lakh)
Financial Arrangement: Sole Banking/ Multiple Banking

Bank’s detail FB NFB Total % Share
TL WC
SBI 5.67 44.00 0.00 49.67 100.00
Associate Banks (Total) 0.00 0.00 0.00 0.00 0.00

Other Banks ( mention name of Bank / Branch)

Page 2 of 24
e) Present Position of accounts (with our Bank): Date : 29/03/2018 (Rs. in Lakh)
Account No. Facility Existing D.P. Outstanding Irregularity Irr. Since

limits
62460944839 TL 9.50 5.96 5.67 0.00
62451876164 CC 40.00 0.00 -36.31 36.31 23/03/2018
Irregularity Reports submitted upto: NIL confirmed upto: NIL
Comments on irregularity and action plan for regularization:
No irregularity observed recently in the account. As per the CGTMSE letter Branch was clearly mentioned the recent
sanction date as 31.12.2015 and the limit sanctioned is 40.00 lakhs under CGTMSE under SME Smart score scheme,
Appraisal note is not available in the file. Hence the signed copy of the CGTMSE is treated as appraisal note.
f) Credit History (with our Bank): For past two sanctions: (Rs. in Lakh)
g) Details of the Group / Associate Entities/ Companies:
Date of Net Sales Estimated /Actual CRA CRA as on Collateral Coverage

sanction (only for the relevant year) % (Excluding
FB NFB residual value)
WC TL (o/s)
Estimated Actual Year
31/12/2015 40.00 200.00 221.19 2016 UR 31/03/2015 0.00
g) Details of the Group / Associate Entities/ Companies: Not Applicable (Rs. in Lakh)
i Name of the unit

ii Names of Promoters/Directors
iii Activity
iv Credit Limits FB NFB
v IRAC Status
vi Banking with Bank
vii Branch

Page 3 of 24
SECTION A2
PROFILE OF THE BORROWER
Unit Address (Full Address) Plot/Building/Flat Number : PLOY NO 36B SVCIE

Address Line 1 : PHASE II BALANAGAR
Address Line 2 : HYDERABAD
Village/ Town : Ghmc (M Corp.) (Part)
Block/Tehsil/Sub District : Secunderabad
City : Hyderabad
District : Hyderabad
State : Andhra Pradesh
Country : India
PIN/ZIP Code : 500037
Mobile No. : 8008755599
Telephone no. : 04023778999
Corporate Office Address Plot/Building/Flat Number : PLOTNO 77 WOMENS COOPERATIVE
SOCIETY
Address Line 1 : ROAD NO 7 A
Address Line 2 : JUBILEE HILLS HYDERABAD
Village/ Town : Ghmc (M Corp.) (Part)
City : HYDERABAD
District : Hyderabad
State : TELANGANA
Country : INDIA
Mobile No. : 8008755599
a) Names & Addresses of the Promoters / Directors /Partners /Proprietors:
Name: HEMALATHA KOLLI Designation: DIRECTOR
DOB: 11/08/1948 Net Worth: 25.25
Identifiers Full Address, mail id, mob. no.

DIN (for directors) 6540010 Plot/Building/Flat Number : PLOT NO 77 WOMEN COOP
SOCIETY
PAN No. AFCPK8495A
Address Line 1 : ROAD NO 7 A
Passport No. Address Line 2 : JUBLIEEHILLS
Village/ Town : GHMC (M Corp.) (Part)
Others (If first ID is UNIQUE IDENTIFICATION Block/Tehsil/Sub District : Ameerpet
selected other than above, NO.(UID) City : HYDERABAD
then given ID type should District : Hyderabad
be displayed) State : TELANGANA
Country : INDIA
Mobile No. : 9849246020
Email Id :

Page 4 of 24
Name: SRICHARAN SURAPANENI Designation: DIRECTOR
DOB: 09/10/1980 Net Worth: 47.40

DIN (for directors) 6538381 Plot/Building/Flat Number : 75-6-34,PRAKASH NAGAR
Address Line 1 : RAJAHMUNDRY
PAN No. BAHPS8527G
Address Line 2 : RAJAMUNDRY
Passport No. Village/ Town : Rajahmundry (M Corp. + OG) (Pa
Block/Tehsil/Sub District : Rajahmundry (Urban)
Others (If first ID is UNIQUE IDENTIFICATION City : SAMALKOT
selected other than above, NO.(UID) District : East Godavari
then given ID type should State : ANDHRA PRADESH
be displayed) Country : INDIA
Mobile No. : 9866101256
Email Id :
Name: MANJU BIKKINA Designation: DIRECTOR
DOB: 24/12/1981 Net Worth: 50.53

DIN (for directors) 6538362 Plot/Building/Flat Number : MIG 127
Address Line 1 : BHARAT NAGAR COLONY
PAN No. AJZPB2362C
Address Line 2 : HYDERABAD
Passport No. Village/ Town : GHMC (M Corp.) (Part)
Others (If first ID is UNIQUE IDENTIFICATION City : HYDERABAD
selected other than above, NO.(UID) District : Hyderabad
then given ID type should State : TELANGANA
be displayed) Country : INDIA
Mobile No. : 9246635311
Email Id :
[* Identifiers based on KYC guidelines]

Brief Background of the borrower /company / Group & Management:
(To include competence / reputation/ corporate governance etc)
M/S SPEAR ENGINEERING SOLUTIONS PVT LTD is established in the year 2011 as a private limited
company.Initially Sri C S Prasad is Managing Director of the company. He used to manage all the operations of the
company. All other directors assist him in the operations. Recently 2 of the directors Sri C S Prasad & Smt Kolli
Chaitanaya has disqualified as directors, not due to this company but due to other companies, where they are directors.
Now 3 Directors are managing the company Smt Manju Bikkina, Sri Charan Surapaneni and Smt hemalatha Kolli.
Brief write up on the Industry/ Sector /competition and the Company’s standing:
e Indian Engineering sector has witnessed a remarkable growth over the last few years driven by increased investments
in infrastructure and industrial production. The engineering sector, being closely associated with the manufacturing and
infrastructure sectors, is of strategic importance to Indias economy.
India on its quest to become a global superpower has made significant strides towards the development of its
engineering sector. The Government of India has appointed the Engineering Export Promotion Council (EEPC) as the
apex body in charge of promotion of engineering goods, products and services from India. India exports transport
equipment, capital goods, other machinery/equipment and light engineering products such as castings, forgings and
fasteners to various countries of the world. The Indian semiconductor industry offers high growth potential areas as the
industries which source semiconductors as inputs are themselves witnessing high demand.
India became a permanent member of the Washington Accord (WA) in June 2014. The country is now a part of an
exclusive group of 17 countries who are permanent signatories of the WA, an elite international agreement on

Page 5 of 24
Brief write up on the Industry/ Sector /competition and the Company’s standing:
engineering studies and mobility of engineers.

Market size
The capital goods and engineering turnover in India is expected to reach US$ 125.4 billion by FY17.
India exports its engineering goods mostly to the US and Europe, which accounts for over 60 per cent of the total
exports.
Recently, India's engineering exports to Japan and South Korea have also increased with shipments to these two
countries rising by 16 and 60 per cent respectively. Sri Lanka, Nepal and Bangladesh have also emerged as the major
destinations for India's engineering exports.
According to the India Electronics & Semiconductor Association, the Indian Electronic System Design and
Manufacturing (ESDM) market is expected to grow at a CAGR of 16-23 per cent to reach US$ 228 billion by 2020 from
$100 billion in 2016-17.
The electrical equipment industry observed a growth of 9.7 per cent during April-September 2017. Also, Growth of
Indias mining and construction equipment sector is expected at 13-17 per cent in 2017 driven by increase in
infrastructure spending.
According to a study by The Associated Chambers of Commerce of India (ASSOCHAM) and NEC Technologies, the
demand for electronic products in India is expected to grow at a Compound Annual Growth Rate (CAGR) of 41 per cent
during 2017-20 to US$ 400 billion by 2020.
According to data from the Engineering Export Promotion Council of India, engineering exports from India grew 11.33
per cent year-on-year to reach US$ 65.23 billion in FY 2016-17. Exports of electrical machinery rose to US$ 4.6 billion
in FY 2016-17 from US$ 3.7 billion in FY 2015-16.
Indias engineering exports recorded a growth of 22.75 per cent to reach US $ 56,091.89 million in April-December
2017. Exports during December 2017 grew 25.41 per cent year-on-year to US$ 7,133.93 million from US$ 5,688.32
million in the same period a year ago.
Investments
The engineering sector in India attracts immense interest from foreign players as it enjoys a comparative advantage in
terms of manufacturing costs, technology and innovation. The above, coupled with favourable regulatory policies and
growth in the manufacturing sector has enabled several foreign players to invest in India.
The foreign direct investment (FDI) inflows into India's miscellaneous mechanical and engineering industries during
April 2000 to September 2017 stood at around US$ 3.36 billion, as per data released by the Department of Industries
Policy and Promotion (DIPP). The engineering sector is a growing market. Spending on engineering services is
projected to increase to US$ 1.1 trillion by 2020. The government, in consultation with semiconductor industry, has
increased focus on the ESDM sector in last few years. Some of the initiatives outlined in the National Electronics policy
and the National Telecom policy are already in the process of implementation, such as Preferential Market Access
(PMS), Electronics Manufacturing Clusters (EMC) and Modified Special Incentive Package Scheme (M-SIPS).

Page 6 of 24
PERFORMANCE DETAILS SECTION A3
(Rs. in Lakh)
a) Performance and financial indicators:
2016 2017 2018 2019
Financial Parameters Audited Audited

Estimated Projected
(Estimated) (Estimated)
221.73 223.90 246.00 271.20
Gross Domestic Sales
(0.00) (0.00)
0.00 0.00 0.00 0.00
Export Sales (if any)
(0.00) (0.00)
221.73 223.90 246.00 271.20
Net Sales
(0.00) (0.00)
Profit Before Tax 8.56 4.14 8.12 8.97

(PBT) (0.00) (0.00)
3.86 1.85 3.30 3.31
PBT/Net Sales (%)
(0.00) (0.00)
21.80 23.28 28.74 33.22
PBDIT
(0.00) (0.00)
17.73 15.89 19.74 23.72
Cash Accrual
(0.00) (0.00)
6.52 2.77 5.62 6.47
Profit after Tax (PAT)
(0.00) (0.00)
61.00 61.00 61.00 61.00
Paid Up Capital
(0.00) (0.00)
67.06 49.49 51.20 54.71
TNW
(0.00) (0.00)
45.38 33.19 36.20 39.71
Adjusted TNW
(0.00) (0.00)
2.83 4.08 4.05 3.84
TOL/TNW(times)
(0.00) (0.00)
4.18 6.09 5.72 5.29
TOL/Adjusted TNW
(0.00) (0.00)
1.05 1.18 1.21 1.32
Current Ratio
(0.00) (0.00)
Net Working Capital 5.12 22.44 26.60 41.95

(NWC) (0.00) (0.00)
0.00
DSCR - - -
@ Figures in brackets denote estimates at the time of last renewal
b) Interim
Financials

Page 7 of 24
Particulars Q1/H1 current Year Q1/H1 last year
Net sales 0.00 0.00
Export 0.00 0.00
c) Comments on Performance & Financial Indicators -
i). Net Sales
Firm has achieved sales of 223.90 lakhs as on 31/03/2107 which is slightly more than the previous year. this year firm
is estimating sales of 246 lakhs as on 31/03/2018.
ii). Profitability (PBT / NS):
Profitability is low for the firm in the year 2016-17 due to increase of operational expenditure and salaries. And is
expected to be improved for the coming years after sales improvement.
iii). TNW (Rs. in Lakh)
2016 2017 2018 2019
Particulars
Audited Audited Estimated Projected
Opening TNW 60.54 67.06 49.49 51.20
Add Share Application Money 0.00 0.00 0.00 0.00
Add PAT 6.52 2.77 5.62 6.47
Add (a) Increase in equity/Capital 0.00 0.02 0.02 0.04
Add (b) Increase in share premium 0.00 0.00 0.00 0.00
Add/Subtract change in intangible assets 0.00 21.07 3.93 3.00

Adjust Prior year expenses
Less Drawings / Dividend Payment 0.00 0.00 0.00 0.00
Less DTA 0.00 -.71 0.00 0.00
Closing TNW 67.06 49.49 51.20 54.71
Less Investments in Associates/Subsidiaries 21.68 16.30 15.00 15.00

(A & S )
Less Long Term Loans to (A & S) 0.00 0.00 0.00 0.00
Adjusted TNW 45.38 33.19 36.20 39.71

Page 8 of 24
Comments :
iv). TOL / TNW:

TOL/TNW is slightly above the bank bench mark level. firm has taken loans and advances from the shareholders which
resulted in increase of TOL/TNW.
v). TOL / Adj. TNW:
TOL/Adj.TNW is at 6.09 which is above the threshold level and it is expected to be improved in the coming year below
6.
vi). CURRENT RATIO & NWC:
Current Ratio is above 1 but below 1.33 and is expected to be improved slowly in the coming years as per projections &
NWC is increasing every year which is improving the firm liquidity position.
d). Compliance with takeover norms, if applicable:
Not applicable
e).Brief summary of fresh Term Loan applied: Not Applicable
f). Review of existing Term Loan : Comment on reasons for over dues (if Term Loan availed): (Rs. in Lakh)
Term Loan: Rs.5.67 Lakh
i) No of installments due: 23 ii) No of installments paid: 23
iii) No of Installments in 1 iv) Amount of interest in arrears: 0.00

arrears:
v) Comment on the Not Applicable account is regular and paid one in installment in advance.
company’s action plan
for regularizing the
account.
vi) Comments on reason No Overdue
for over dues:

Page 9 of 24
SECTION A4
1. Details of Due Diligence:
Date of Pre-Sanction visit 07/03/2018
Place(s) visited Plot No 36, SVCIE, Phase II, Bala Nagar, Hyderabad 500037
Name(s) of officials, who visited B PRAVEEN KUMAR, PO & AVL NARASIMHA, CHIEF
MANAGER
Whether papers required for KYC YES
obtained (PAN/Articles/Memo etc)?
Yes/No
Date of Search Report obtained 20/03/2018
from ROC, in case of companies
Formalities regarding obtention of YES
legal opinion/valuation report
completed? (Yes/No)
Due diligence on take over NOT APPLICABLE
Other Observations, if any ROC Search Report obtained from Sri BS Hari Krishna & CO on
20/03/2018. There he pointed out that charge has not been
registered with ROC.
Immovable property has been physically
verified on
2. RMD ADVISORY :( Applicable only for manufacturing units)
RMD Guidance Industry / Present Out Threshold Level Company’s status

Note date Segment Look
For New Unit For Enhancement

31/12/2016 SSI NA NA NA Enhancement
MFG/Manufacturing
Comments : Not Applicable
(on deviation , if applicable)
3. Comments on conduct of Account:

(Rs. in Lakh)
Details Previous Year Period under review

(2016-17) (2017-18)
Credit summations 273.95 142.44
Debit summations 270.38 139.68
Gross Sales 223.90 246.00
Opening Sundry Debtors 48.39 52.26
Closing Debtors 52.26 55.22
Devolvement of LC NA NA
Devolvement of BG NA NA

Page 10 of 24
Any other irregularity / non compliance
1) Firm has not filed bank charge in ROC
Comments on Summations vis-à-vis sales

Credit, Debit summations in the account are satisfactory in the year 2016-17. However in 2017-18 Credit, Debit
summations in the account are low, however firm has routed the transactions in the current account.
Comments on Devolvement of LC/BG and any other irregularity/non-compliance

Firm is at receive 100.00 lakhs from their debtors.
4.Whether names of promoters, directors, company, group concerns figure in defaulter/willful

defaulters list
PARTICULARS DATE POSITION

CICs defaulter List 30/09/2016 Not Found
CICs Wilful Defaulters list 31/03/2016 Not Found
PARTICULARS DATE
ECGC specific approval list 31/01/2018
Not Applicable
Deviations required for Borrower/partner for CIBIL 19/03/2018

default:
Verified CRIF reports of all the Directors and guarantors and found satisfied with the credit history.
CIBIL List(Suit filed) Rs.25 lacs and above 30/09/2017
Not Found
Other Credit Information Company(CIC) – Credit 23/03/2018

History
Verified the Commercial credit information report No 4192721 ID W-19013301 and found the no
Banned list of Promoters-SEBI 30/09/2017
Not Applicable
i-Probe Check 24/03/2018

Not Available
5. Comments on I&A and other audit reports,which have an impact on credit risk on the unit,if any:
Name of report Date Serious irregularities/ Adverse features remaining

unattended
Comments in last I&A report dated
……&its present status
Any other Audit if conducted after last
sanction :

Page 11 of 24
Company's audited Balance Sheet 31/03/2017 No Major iregularities
Statutory dues/other contingent liabilities: (Rs. in Lakh)
Dues Amount quantified in Impact on financial Negative score in CRA, if

Audited B/S position (as % of TNW) any
Statutory dues 0.00
Contingent liabilities
Comments, in brief, if the impact is significant
No Such pending sundry debtors as per interview with the firm.
Critical Risk
1) 2 of the Directors were disqualified as Directors by ROC.
Mitigation
In order to mitigate the risk we advise the disqualified directors not be in the board and we advise the remaining 3
directors to submit the application for the proposed facilities. we are also taking the personal guarantee of the 3
directors and 2 disqualified directors also.
6. Comments on interchangeability (if any) :
No Interchangeability of limits
7. Recommendations and Justification:

1) Firm has initially availed cash credit facility of 40.00 lakhs on 31.12.2015. Since from the inception firm is banking
with us.
2) Firm has achieved sales of 223.14 lakhs as on 31/03/2017 which is slightly more than the previous year sales of
221.19 lakhs.
3) As per the Assessment firm is eligible for cash credit limit of 44.00 lakhs. The conduct of the account is satisfactory,
except some directors became disqualified as directors by ROC and they were no longer in the firm as directors and
they continued as shareholders. hence recommended for sanctioning renewal with enhancement of cash credit limit
from existing 40.00 lakhs to 44.00.
4) As per the ROC search we found that firm has not filed the charge of Bank, Hence It is recommended for file the
charge before release of the limits.
5) Firm is engaged in manufacturing of industrial frameworks in metal and services.
6) All the Present and founding directors are offering their personal guarantee to the company.
7) Company to adhere to the Covenants Of Sanction before release of limits.
8) And also it is observed that last sanction resolution and appraisal were not available hence the copy submitted for
CGTMSE is treated as sanction and the sanction is confirmed in SME car loan sanction done in the month of March
2016 and the same is avaialble.
Recommended for sanction / approval / confirmation on the terms and conditions asset out in
annexure-1
i) Sanction for (i). Renewal of FBWC limits with enhancement/reduction from Rs.40 lakhs to Rs.44
lakhs and NFBWC limits of Rs.0.00 lakhs at the existing level.
ii) Approval for (i). Review of existing Term Loan/Term Loans/Corporate Loan
iii) Confirmation for (i). Action in having continued the limits beyond the validity of last sanction i.e. beyond
31/12/2017.

Page 12 of 24
Appraised by Assessed by
Signature
Name
Designation
PF No.
Mail ID
Date
Sanction details:
Sanctioned by: Remarks, if any.

Signature
Name
Designation
Date:
Date Chart:
1. Nature of facility (ies) applied for: Amount Format Selected is: LAKH
CC-44.00
TL-5.67
2. Date of receipt of the proposal 20/03/2018
3. Information sought on changes in the revised Business Plan
4. Reply received date
5. Discussions held with Company’s officials 27/03/2018
6. Information received on
7. Addl. Information received on
8. In Principle Note submitted, if any
9. Date of receipt of complete information
10. Date of submission to sanctioning Authority 29/03/2018

Page 13 of 24
Annexure : 1
HYDERABAD HYDERABAD
1. Security
Primary
Realisable Date of Bank Assessed
Facility Details of Security
Value valuation Value
CC Stock Statement 64.48 23/03/2018 64.48
STOCK
The above properties have been inspected by and genuineness of title verified. We also found the valuations of the
property to be reasonable. The Certified copy of the title deeds obtained from Sub-Registrar office and compared with
the originals.
2. Personal / Third Party Guarantees:
Name SATYANARAYANA PRASAD CHERUKURI
Father's name VENKATESWAR RAO Address

Plot/Building/Flat Number : PLOT NO 77 ROAD NO 7A
Address Line 1 : JUBLIEE HILLS
PAN No. Address Line 2 : HYDERABAD
Net Means 14.40 Block/Tehsil/Sub District : Secunderabad
City : HYDERABAD
As On 31/12/2017 District : Hyderabad
State : TELANGANA
Country : INDIA
Compiled on 23/03/2018
Mobile No. : 8008755599
Email Id :
Name MANJU BIKKINA
Father's name RAGHAVENDRA RAO B Address

Plot/Building/Flat Number : MIG 127
Address Line 1 : BHARAT NAGAR
PAN No. Address Line 2 : HYDERABAD
City : HYDERABAD
State : TELANGANA
Country : INDIA
Mobile No. : 8008755599
Email Id :

Page 14 of 24
Name SRI CHARAN SURAPANENI
Father's name VARA PRASAD RAO Address

Plot/Building/Flat Number : E43 FLAT NO 203 DEVI ELITE
Address Line 1 : MADHURA NAGAR SR NAGAR
PAN No. BAHPS8527G Address Line 2 : HYDERABAD
City : HYDERABAD
State : TELANGANA
Country : INDIA
Mobile No. : 9849246020
Email Id :
Name CHAITANYA CHERUKURI
Father's name SATYANARAYANA PRASAD Address

Address Line 1 : JUBLIEE HILLS
PAN No. AHMPK8904E Address Line 2 : HYDERABAD
City : HYDERABAD
State : TELANGANA
Country : INDIA
Mobile No. : 8008755599
Email Id :
Name HEMALATHA KOLLI
Father's name VENKAT DURGA PRASAD RAO Address

Address Line 1 : WOMEN COOPERATIVE SOCIETY
PAN No. AFCPK8495A Address Line 2 : JUBLIEEHILLS
City : HYDERABAD
State : TELANGANA
Country : INDIA
Mobile No. : 8008755599
Email Id :
3. Interest Rate : MCLR(8.15%)+3.50% = 11.65% p.a. at monthly rests.

CC(HYP):
Concession : Not Applicable
TL: NOT APPLICABLE
SLC: NOT APPLICABLE
Not Applicable
EPC :

Page 15 of 24
4. Margin (%) Stocks:-- 25.00
Receivables:-- 50.00
Cover Period (Days):-- 60.00
BG :-- NA
LC :-- NA
Term loan:-- NA
5. Repayment CC(Hyp) : Repayable on demand, Renewable after one year
TL: Not Applicable
6. (i) Validity of Sanction(in Sanction valid for 12 Months.
months)
(ii) Review/Renewal (in 12
months)
7. Inspection Stocks and books of the Firm shall be inspected once in quarter at irregular
intervals by one or more representatives of the Bank. The firm shall extend all
assistance to the aforesaid representatives in conducting and completing such
inspection smoothly and shall take steps to carry out such remedial measures as
necessitated due to shortcomings, if any pointed out by
the inspections shall be born by the firm.
8. Stock Statement Monthly
9. Insurance Entire assets financed by the Bank should be insured against all risks. Insurance
of stocks / mortgaged property should be arranged. In the case of immovable
properties mortgaged to the Bank whether as primary or collateral security,
besides such properties being insured against usual risks such as fire, riot, strike,
breakage and breakdown, nsurance against flood, earthquake and cyclone
should also be arranged where the place of the unit is susceptible to such natural
calamities.
10. Processing fee WC 0.30% of loan amount.Maximum of Rs 30 Lac + Applicable GST
SLC Fees NA
Upfront fee for TL Not applicable
CGTMSE fees As per the CGTMSE fee changed time to time
11. Inspection charges 275/- per lac p.a Min. Rs 600/- p.a Max. Rs. 15000/- p.a
12. Branch Allocation Not applicable
13. EM Charges Not Applicable
14. Commitment Charges If the average utilization is more than 75% - No charges. If the average utilization
is between 50-75% - 0.25% p.a to be recovered on entire unutilized portion on a
quarterly basis. If the average utilization is less than 50% - 0.50% p.a to be
recovered on entire unutilized portion on a quarterly basis.
15. Other Charges Nil
16. Pre Payment Penalty Nil
17. Penal Interest 5.00 % per annum on the irregular portion for the period of irregularity.

Page 16 of 24
18. Documents SME Documentation
19. Others Nil
20. Other Stipulations, if any. NA
21. Covenants of sanction : Before Release of the limits company to provide/comply the following
1) CIF of the firm need to be updated by the firm
2) Cash credit Account mandate to be updated by the firm suitably as per
present board.
3) ABS to be signed by all the present directors.
4) Notarized Assets and Liabilities to be submitted.
5) Internal resolution exiting the 2 disqualified directors and present directors
who are on the table should provide resolution for availing the credit limits to be
provided.
6) ROC charge for the existing limits to be created
7) Company to Submit up to date GST Returns.
8) Recent Statutory approvals.
9) Application for limits in Bank standard format.
10) Latest Work orders and Debtors list to be provided.

Page 17 of 24
ANNEXURE-2
HYDERABAD HYDERABAD
Assessment for Working Capital facilities:

(If the assessment of the WC limits is based on any other parameters, like Cash Budget method, Nayak Committee-
Turnover Method, please specify them along with an explanation)
a) Inventory & receivable levels: Amount Rs. in Lakh (Days):
Inventory/Payments Previous Actuals Average as per Now Estimated Projected

Estimated Mthly. Review
2017 2017 2017 2018 2019
Raw material
(i)Imported (days) 0.00 (0) 0.00 (0) 0.00 (0) 0.00 (0) 0.00 (0)
(ii)Indigenous (days) 0.00 (0) 73.86 (813) 0.00 (0) 80.00 (746) 88.00 (743)
SIP Amount (days) 0.00 (0) 0.00 (0) 0.00 (0) 0.00 (0) 0.00 (0)
FG Amount (days) 0.00 (0) 0.00 (0) 0.00 (0) 0.00 (0) 0.00 (0)
Receivables Amount (days) 0.00 (0) 52.26 (85) 0.00 (0) 55.22 (82) 65.00 (87)
S Creditors Amount (days) 0.00 (0) 53.66 (591) 0.00 (0) 54.22 (506) 55.25 (466)
b) Projected Turnover Method (Nayak Committee Method) and Traditional Method (Upto credit limits Rs. 5.00
crores)
(Rs. in Lakh)
Particulars Actual Estimated Projected
2017 2018 2019
a. Estimated Sales for the Current year 223.90 246.00 271.20

b.Working capital required (31.25% of ‘a’) or (18.75% of
‘a’) 69.97 76.88 84.75
Eligible Bank Finance (80% of ‘b’) 55.98 61.50 67.80

Bank finance Required (A) 55.98 61.50 67.80
2. Assessment as per Traditional Method
Estimated Purchases in the current Year 33.14 39.13 43.23
Estimated Average Raw Material Holding at any time
(Calculated at cost of Purchases) 73.86 80.00 88.00
Estimated Average holding of Stock in process and

Finished goods at any one time
0.00 0.00 0.00
(calculated at cost of Production)
Estimated Average Receivable outstanding at any one

time 52.26 55.22 65.00

Page 18 of 24
Total Requirement 126.12 135.22 153.00
Less Estimated average credit enjoyed on purchases
53.66 54.22 55.25
Less Other Sources like unsecured loans, plough back of

profits etc 0.00 0.00 0.00
Bank Finance Required (B) 72.46 81.00 97.75

Working Capital Assessed/recommended 44.00 44.00 44.00
(A or B which ever is higher) i.e. 72.46 81.00 97.75
Comments
c. For Self Employed and Professionals Not Applicable
d. Assessment of EPC/FBD limits: Not Applicable
f. Assessment of other facilities:
(i) Assessment of Stand by Line Of Credit (SLC) : Not Applicable

Page 19 of 24
(ii) Assessment of SME Credit plus: Not Applicable
(iii) Assessment of SME Care/SME Help: Not Applicable
(iv) Assessment of Open Term Loan: Not Applicable
(v) Assessment of SME Car Loan: Not Applicable

(vi) Assessment under Exporters Gold Card: Not Applicable
g.Assessment of Non fund based limits:

i) Assessment of LC limits: Not Applicable

Page 20 of 24
ANNEXURE-3
Assessment of Term Loan: Not Applicable

Page 21 of 24
Annexure 4
HYDERABAD HYDERABAD
Details of the approvals, sanctions and misc. details of the Firm / Company:
(Rs. in Lakh)
Details Particulars Remarks
1. CIF No(s) 72133456092

2. Trade Tax Registration. u74900tg2011ptc07628
3. TAN No. of the unit
4. IT Pan No. of the unit AAQCS4904C PAN
5. Company Registration No. U74900TG2011PTC076828
6. SSI/SME Registration Yes YES
7. Pollution Control Board clearances No
8. Whether covered under CGTMSE Yes CG20160013509WC

guarantee
9. Guarantee cover CGTMSE for
WC :(Amt)Rs. 44.00 CC
TL :(Amt)Rs 5.67 SME CAR
10. CGTMSE Guarantee valid upto
WC : 31/03/2018 CC
TL : 31/03/2018 NOT APPLICABLE
11. Charge in ROC registered /modified 29/03/2018 NOT DONE

on
12. Last ROC Search done on 20/03/2018 OBTAINED
13. Security Documents valid upto 01/01/2019 VALID
14. Insurance details
Company
Policy No POLICY
Amount
15. Date of last TIR

Page 22 of 24
16. Date of last NEC
17. Date of last valuation
18. Mention any other, if any

Cross Selling and access to Alternate Channels: (Rs. in Lakh)
a. CINB facility extended No
b. Insta Deposit Card Issued No
c. Cash Pick-up required No
d. Cross Selling details :
Corporate Salary Package
P Segment Loans (Nos)
(a) Housing
(b) Auto Loans
(c) Personal Loans
SBI Credit Card (No.)
Point Of Sale Terminals
SBI Life Business : (Premium )
SBI General Insurance (Premium)
SBI Mutual Funds (Gross investment) 0 0

Page 23 of 24
CUE Rating Annexure
CUE Rating Applicable Not Applicable
PAN Number AAQCS4904C
Current Proposal Previous Sanction
CUE Application # NA NA
CUE Customer Name NA NA
CUE Rating NA NA
Date of CUE Validation NA NA
CUE PD(%) NA NA
Deposit Module PD(%) NA NA
Cash Credit Module PD(%) NA NA
Customer Info Module PD(%) NA NA
QCA Module PD(%) NA NA
Bureau Module PD(%) NA NA
Financial Module PD(%) NA NA
Remarks Not Applicable

Page 24 of 24

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FORMAT S 2 Annexure II

MEMORANDUM FOR Chief Manager

Name of the Scheme: Bank's Usual Credit Dispensation Scheme

Existing CRA As on Proposed CRA As on

a)Proposal: For sanction / approval / confirmation :

Industry Classification: Manufacturing Sub Industry: MANFCTURING

Scheme: Bank's Usual Credit Dispensation Scheme Application No: 180070501510757

New unit/Existing unit Existing Existing Connection Yes

IRAC Status of Advances Standard If Yes, Banking with 27/03/2013

Whether CIBIL/ Experian/ Equifax/ Yes Date 23/03/2018

Whether unit is considered Existing

c) Total Indebtedness (Existing and proposed): (Rs. in Lakh)

Existing Sanction Proposed Change

Total NFB (b)+(c) = d 0.00 0.00 0.00

d) Banking Arrangement and Sharing Pattern: (Rs. in Lakh)

Financial Arrangement: Sole Banking/ Multiple Banking

Associate Banks (Total) 0.00 0.00 0.00 0.00 0.00

Scheme: Bank's Usual Credit Dispensation Scheme Application No: 180070501510757

Account No. Facility Existing D.P. Outstanding Irregularity Irr. Since

62460944839 TL 9.50 5.96 5.67 0.00

62451876164 CC 40.00 0.00 -36.31 36.31 23/03/2018

Irregularity Reports submitted upto: NIL confirmed upto: NIL

Comments on irregularity and action plan for regularization:

Date of Net Sales Estimated /Actual CRA CRA as on Collateral Coverage

i Name of the unit

Scheme: Bank's Usual Credit Dispensation Scheme Application No: 180070501510757

PROFILE OF THE BORROWER

Unit Address (Full Address) Plot/Building/Flat Number : PLOY NO 36B SVCIE

DOB: 11/08/1948 Net Worth: 25.25

Identifiers Full Address, mail id, mob. no.

Scheme: Bank's Usual Credit Dispensation Scheme Application No: 180070501510757

DOB: 09/10/1980 Net Worth: 47.40

Identifiers Full Address, mail id, mob. no.

DOB: 24/12/1981 Net Worth: 50.53

Identifiers Full Address, mail id, mob. no.

[* Identifiers based on KYC guidelines]

Scheme: Bank's Usual Credit Dispensation Scheme Application No: 180070501510757

engineering studies and mobility of engineers.

Scheme: Bank's Usual Credit Dispensation Scheme Application No: 180070501510757

Financial Parameters Audited Audited

Profit Before Tax 8.56 4.14 8.12 8.97

Net Working Capital 5.12 22.44 26.60 41.95

@ Figures in brackets denote estimates at the time of last renewal

Scheme: Bank's Usual Credit Dispensation Scheme Application No: 180070501510757

Net sales 0.00 0.00

Export 0.00 0.00

c) Comments on Performance & Financial Indicators -

i). Net Sales

ii). Profitability (PBT / NS):

iii). TNW (Rs. in Lakh)

2016 2017 2018 2019

Opening TNW 60.54 67.06 49.49 51.20

Add Share Application Money 0.00 0.00 0.00 0.00

Add PAT 6.52 2.77 5.62 6.47

Add (a) Increase in equity/Capital 0.00 0.02 0.02 0.04

Add (b) Increase in share premium 0.00 0.00 0.00 0.00

Add/Subtract change in intangible assets 0.00 21.07 3.93 3.00

Less DTA 0.00 -.71 0.00 0.00

Closing TNW 67.06 49.49 51.20 54.71

Less Investments in Associates/Subsidiaries 21.68 16.30 15.00 15.00

Adjusted TNW 45.38 33.19 36.20 39.71

Scheme: Bank's Usual Credit Dispensation Scheme Application No: 180070501510757

iv). TOL / TNW: