Finacle Marks Allotted Level

Customer ID CREDIT RATING SHEET FOR MSME ADVANCE Max Marks

1

Company/FIRM Name: PAN NO:

I BUSINESS PERFORMANCE 10 10

1 Achievement of projected Sales Turnover 0 0

a If achieved 100% of target or Variance within 10% below accepted level 10
b Variance above 10% but below 20% below accepted level 8
c Variance above 20 % but below 30% below accepted level 5
NA
d Variance above 30% but below 50% below accepted level 3
e Variance above 50% below accepted level 0
f Not Applicable NA
2 Achievement of projected PAT in terms of percentage to Net Sales 5 5
a Achieved as projected or achieved up to 10% negative variance below accepted leve 5
b Achieved beyond 10% but below 20% below accepted level 4
c Variance above 20 % but below 30% below accepted level 3
5
d Achieved beyond 30% but below 50% below accepted level 2
e Variance above 50% below accepted level 0
f Not Applicable NA
3 Increase in Tangible Net Worth 5 5
a If PAT ploughed back 100% 5
b 50% to 99% 3
c 25% to 49% 1
5
d Plough back below 25% 0
e No increase/reduction in TNW -5
f Not Applicable NA
II FINANCIAL PARAMETERS 15 0

1 Current Ratio (Variable as per Bank’s Loan Policy) 5 0

1.17 and above for Micro & Small Enterprises
1.20 and above for Medium Enterprise 5
1.33 and above for large/other units

1.00 and above for Micro & Small Enterprises

1.10 and above for Medium Enterprise 3
0
1.17 and above for large/other units

Below 1.00 for Micro & Small Enterprises

Below 1.10 for Medium Enterprise 0
Below 1.17 for large/other units
Not Applicable NA
2 D.E. Ratio (Variable as per Bank’s Loan Policy ) 5 0
a 3.00 and below 5
b >3.00 upto 4.00 3
c >4.00 upto 5.00 2
0
d >5.00 upto 6.00 1
e >6.00 0
f Not Applicable NA
3 DSCR in case of term loan 5 0
a 1.75 and above 5
b 1.50 and above upto 1.75 3
c 1.25 and above upto 1.50 2 0
d <1.25 0
f Not Applicable NA
III CONDUCT OF THE ACCOUNT 30 0

1 Repayment Obligations Timely repayment 15 0

a Repayment within 7 days 15
b Repayment within 15 days 10
c Repayment within 1 months 5
0
d Repayment within 2 months 0
e Delayed payment beyond 2 months(Value is 0 but deducted in Net Marks) -5
f Not Applicable NA

Operation in the Account- Routing of sale proceeds through A/C with us

2 in case of sole Banking. In case of consortium/Multiple banking 5 0
proportionate share is to be considered.
a Entire sale proceeds routed through a/c 5
b Sale proceeds partially routed (Equal or above 75%) 3
0
c Sale proceeds partially routed (below 75%) 0
d Not Applicable NA
3 Discipline in operating the Account 10 0
a Whether cheques are returned for financial reasons NO -2, YES - 0, NA 0
b Ad hoc excess/excess drawings on more than four occasion in a year NO -2, YES - 0, NA 0
 c BP/BD returns (exceeding 5% of total no. of bills purchased/discounted) NO -2, YES - 0, NA 0
d Devolvement of LCs- non retirements of bills under LCs beyond 10 days NO -2, YES - 0, NA 0
e Invocation of BGs NO -2, YES - 0, NA 0

IV COMPLIANCE OF TERMS AND CONDITIONS OF SANCTION 10 0

(including creation of mortgages, 2nd charges etc.)

1 Full compliance as per sanction terms at the time of availing the limits 10
2 Partial compliance 5
0
3 Non-compliance 0
4 Not Applicable NA

V SUBMISSION OF CONTROL STATEMENTS 15 0

1 Submission of stock /Book-debts statement 10 0

a Regular submission throughout the year 10
b Delayed submission on two occasions 5
c Delayed submission on more than two occasions 0
0
d -5
Non submission for 2 months and above(Value is 0 but deducted in Net Marks)
e Not Applicable NA
2 Submission of renewal Data/financials 5 0
a Upto one month before due date of review 5
b Less than one month before due date of review 3
c Upto one month after due date of review 0
0
d Late submission beyond one month of due date of review(Value is 0 but deducted -5
in Net Marks)
e Not Applicable NA

VI ADEQUACY OF TANGIBLE COLLATERAL SECURITY (If stipulated 10 0

in sanction ): Refer to Note 1 Below.

a If coverage is 100% and above 10

b 50% and above but < 100% 7
c 25% and above but <50% 5 0
d < 25% 0
e Not Applicable NA

TOTAL MARKS OBTAINED 90 10

BONUS MARKS (Maximum 10 Marks in Aggregate) 10 0

1 For consistent growth in sales at average 15% during past 3 years. 2 0
2 For export sales being 50% or more of total sales 2 0

3 For outstanding achievement/recognition at national /international level like 2 0

export performance award, best managed company etc.

4 Satisfactorily conducted “Standard Assets” account banking with us for 10 years 2 0

and above.

Introduction of new technology or technological upgradation resulting in

5 significant increase in sales turnover (say 100% or more)/value addition /import 2 0
substitution.

6 For creation of more employment within the unit through increased investment 2 0
in plant & machinery/expansion /diversification

7 Units promoted and managed by existing well established business groups/or by 2 0

entrepreneurs with technical background qualification
8 Units engaged in activities which are ecofriendly 2 0

9 Units financed for machineries which are adaptable for multi-products/purpose 2 0

instead single products/purpose

10 2 0
Units having tie-up sales arrangement for entire or major part of production
11 Projects completed in time without cost overrun 2 0
12 Company’s product/s have obtained ISO compliance and certification 2 0

NEGATIVE MARKING (Not Exceeding -5 Marks) 0 0

As per circular number BCC: BR: 105: 410 dated 20th Sept 2013, page no. 8, sr. no. 3, only one negative 5
marks will be considered in overall calculation

NET MARKS OBTAINED 10

Percentage Obtained 11.11
 CR 7/ MSME BOB 7
RATING/EQUIVALENT OBLIGOR RATING And below

EC No(Level 1)

NAME

BRANCH ALPHA:

REGION & ZONE

DATE: