General Points

INDIAN OVERSEAS BANK
REGIONAL OFFICE
VARANASI
REVIEW OF CAF 1
BRANCH: Anpara Scale- II, MONTH: July -2020 DATE: 07.09.2020
We place hereunder the observations in respect of CAF-1 submitted by the Branch.
CAF1 Name of the Borrower Facility Loan Amount Details of Facility

S.No.
(In Lacs)
CC—PUB
Mr. Rajendra Kumar Jaiswal Renewal Rs. 0.95 CC-PUB
S REGIONAL OFFICE OBSERVATIONS

N
……. GENERAL POINTS……….
(BRANCH TO CONFIRM) Yes No Other Remarks if necessary
1 Compliance onKYC √ Branch to ensure
2 Borrower is not on ECGC/RBI/ Other Bank defaulters list Branch to ensure
3 Satisfactory CIBIL Reports are available √ Branch to obtain
4 Having held MSMED/SSI Registration certificate (in case of √ Branch to obtain GST returns
manufacturing unit), Sales Tax/VAT registration Certificate
5 Document relating to constitution of unit √ Branch to obtain
6 Having held F-347 √
7 Whether proportionate /sufficient Turnover is routed √ Branch to takeup with Borrower

through us (F209 discussed)
8 Sales tax /Vat/GST returns for the last year Not mentioned in the office note
9 Method of lending for a)WC: a- Available

b) Term loan – DSCR b- NA
11 Rent agreement (if business premises are on rent) √ To be obtain along with no lien letter
12 Inspection/Godown Inspection conducted & report is held on √ Inspection reports tobe held with loan documents
record
13 Acceptable Working Capital Assessment √
14 Acceptable Term loan Assessment/ Average DSCR is on √ Na

Benchmark
15 Applicable Owner’s contribution held with us √ Branch to ensure
16 Correct Interest Rate as applicable, is applied √ RLRR+ 1.30 % spread
17 Repayment period/ Holiday Period as per scheme is applied √ Cash credit limit and term loan to be reviewed for
every 12 Months
18 Charge Created on security Prime: √ Stocks
(Whether advance is covered by Collateral: √ Branch not mentioned in office note

Security Value)
19 Securities (Prime & Collateral) are fully insured. √ Branch to ensure to insure the securities for full value.
22 Whether Turnover is Satisfactory or not Branch to ensure that all business transactions are
routed through the Cash Credit account.
23 Submission of Stock/Book Debt Statement Branch to ensure submission of monthly stock

statements and book debts
24 COIR observation √ Branch has confirmed nil remarks
25 All applicable Charge is recovered (As Processing Charge, Stamp √ Branch to ensure
Charge, Inspection Charge, CERSAI Charge etc.)
26 Loan is sanctioned under Branch discretionary power √
27 Scrutiny Available √
28 Subsidy Received √ Not Mentioned in office note
…………..SPECIFIC OBSERVATIONS……….
i. Branch to monitor transactions in the account and ensure that the entire sales turnover is routed through the account only.
ii. Branch to ensure that all the mortgage formalities to be completed before disbursement of loan & Title Deeds to be deposited
at notified place.
iii. Branch to do assessment of working capital on the basis of turnover method as per latest bank norms [Refer circular: ADV/
101/2017-18 dated 04.05.2017].
iv. Branch to ensure that the firm is having valid GST registration.
v. Disposal of loan proposal by branch manager is must.
vi. Branch to ensure CGTMSE fees is services regularly.
vii. Quarterly audited book debt statement is to be submitted by the Borrower.
viii. All other terms & conditions as applicable in this kind of loan as per various bank norms’ should be complied with.
Branch to ensure that latest sanction advice (Ref: bank’s circular no. MISC/167/2017-18 dated 29.06.2017) is advised.
Nidhi Singh A P Gupta

Senior Manager Chief Manager
Rishi Singh
Senior Regional Manager

REGIONAL OFFICE
VARANASI
REVIEW OF CAF 1
BRANCH: Anpara Scale- II, MONTH: July -2020 DATE: 07.09.2020

S.No.
(In Lacs)
CC—PUB
Mr. Aman Gupta Renewal Rs. 3.00 CC-PUB
S REGIONAL OFFICE OBSERVATIONS

N
1 Compliance onKYC √ Branch to ensure
2 Borrower is not on ECGC/RBI/ Other Bank defaulters list Branch to ensure
3 Satisfactory CIBIL Reports are available √ Branch to obtain
4 Having held MSMED/SSI Registration certificate (in case of √ Branch to obtain GST returns
manufacturing unit), Sales Tax/VAT registration Certificate
5 Document relating to constitution of unit √ Branch to obtain
6 Having held F-347 √
7 Whether proportionate /sufficient Turnover is routed √ Branch to takeup with Borrower

through us (F209 discussed)
8 Sales tax /Vat/GST returns for the last year Not mentioned in the office note
9 Method of lending for a)WC: a- Available

b) Term loan – DSCR b- NA
11 Rent agreement (if business premises are on rent) √ To be obtain along with no lien letter
12 Inspection/Godown Inspection conducted & report is held on √ Inspection reports tobe held with loan documents
record
13 Acceptable Working Capital Assessment √
14 Acceptable Term loan Assessment/ Average DSCR is on √ Na

Benchmark
15 Applicable Owner’s contribution held with us √ Branch to ensure
16 Correct Interest Rate as applicable, is applied √ RLRR+ 1.80 % spread
17 Repayment period/ Holiday Period as per scheme is applied √ Cash credit limit and term loan to be reviewed for
every 12 Months
18 Charge Created on security Prime: √ Stocks
(Whether advance is covered by Collateral: √ Branch not mentioned in office note

Security Value)
19 Securities (Prime & Collateral) are fully insured. √ Branch to ensure to insure the securities for full value.
22 Whether Turnover is Satisfactory or not Branch to ensure that all business transactions are
routed through the Cash Credit account.
23 Submission of Stock/Book Debt Statement Branch to ensure submission of monthly stock

statements and book debts
24 COIR observation √ Branch has confirmed nil remarks
25 All applicable Charge is recovered (As Processing Charge, Stamp √ Branch to ensure
Charge, Inspection Charge, CERSAI Charge etc.)
26 Loan is sanctioned under Branch discretionary power √
28 Subsidy Received √ Not Mentioned in office note
i.Branch to monitor transactions in the account and ensure that the entire sales turnover is routed through the account only.
ii.Branch to ensure that all the mortgage formalities to be completed before disbursement of loan & Title Deeds to be deposited
at notified place.
iii. Branch to do assessment of working capital on the basis of turnover method as per latest bank norms [Refer circular: ADV/
101/2017-18 dated 04.05.2017].
iv. Branch to ensure that the firm is having valid GST registration.
vi. Branch to ensure CGTMSE fees is services regularly.
vii. Quarterly audited book debt statement is to be submitted by the Borrower.

Rishi Singh

BANKING OPERATIONS DEPARTMENT
REGIONAL OFFICE, VARANASI
REVIEW OF CAF 1
BRANCH: Anpara Scale- II, MONTH: July 2020 DATE: 07.09.2020
We place here under the observations in respect of CAF-1 submitted by the Branch.

(In Lacs)
M/s Sunil Singh & Sons
Prop. Mr. Ajay Pratap Singh CC-MUD Rs.5.00 CC-Mudra
REGIONAL OFFICE OBSERVATIONS

SR
(BRANCH TO CONFIRM) Yes No Remarks of R.O.
1 Compliance on KYC √
2 Satisfactory CIBIL Reports are available √ Branch to obtain commercial & Consumer Cibil
3 Borrower is on RBI’s Defaulter List Branch to ensure
4 Having held satisfactory report of the other Bank, if √

any
5 Having held F-347 complete in all respects √ Branch to ensure
7 Whether comments on financial available √ Branch to ensure
8 Correct Interest Rate as applicable, is applied √
9 Applicable Margin is held √
10 Whether Subsidy Claimed/Received √ Not Applicable
11 Repayment/ holiday period as per scheme is applied √ Cash credit limit to be renewed for every 12 Months
12 Pre-Sanction Inspection/Godown Inspection √ Unit inspection done.

conducted & report is held on record
13 POST DISBURSEMENT Inspection conducted & √ Branch to ensure

report is held on record
14 Acceptable Term loan Assesment √ NA
15 Having held supplier’s Invoice/Quotation Branch to ensure
16 Security 1. Stocks
2. Machines and equipments
17 Securities (Prime & Collateral) are fully insured. Branch to ensure
18 Compliance of all sanction terms and conditions and Branch to ensure compliance.
perfection in all document
19 Processing charge or other charges Applicable charges if any to be recovered
i. Branch to monitor that sufficient income is generated out of the business to repay the term
loan.
ii. Branch to monitor transactions in the cash credit account and ensure that the entire sales
turnover is routed through the cash credit account only.
iii. Branch is required to do rating of the account under new CRRM model.
iv. The assets to be purchased out of term loan are not described in the appraisal note. Branch to confirm
that valid quotation/proforma invoice containing item wise details of the assets and
name/address/GSTIN of the dealer/supplier of machinery/equipment to be purchased out of loan
amount is submitted by the borrower and genuineness of the same is verified by branch.
v. Branch to ensure that minimum margin required as per bank norms is applicable while fixing
monthly drawing power of the cash credit account.
vi. Branch to verify asset creation as per quotation submitted by the borrower and ensure that
loan amount is used exclusively for the purpose for which it is financed.
vii. The loan is covered under CGFMU , Branch to ensure charges are serviced regularly
We may advise the branch to take note of the above and confirm compliance.

Rishi Singh

REVIEW OF CAF 1
BRANCH: Anpara Scale-I I, MONTH: July 2020 DATE:07.09.2020
1We place here under the observations in respect of CAF-1 submitted by the Branch.
(In Lacs)
Dhanajay Kumar SL-MUD 5.00 SL-MUD

SR
2 Satisfactory CIBIL Reports are available √ Cibil report is obtained. Score is -1.

any
9 Applicable Margin is held √ Rs.55600/- Less than standard Guidelines
10 Whether Subsidy Claimed/Received √ NA
11 Repayment/ holiday period as per scheme is applied √ NIL
12 Pre-Sanction Inspection/Godown Inspection Unit inspection done.

13 POST DISBURSEMENT Inspection conducted & Unit inspection and post inspection to be done as per
report is held on record the extant guidelines.
14 Acceptable Term loan Assessment √ Not Available
16 security 1. Stocks

i. Branch to ensure there is sufficient surplus in the business to repay the loan amount.
ii. Branch to recover amount which is excess financed.
iii. Place of business is owned or rented not mentioned in note.
iv. Branch is required to do rating of the account under new CRRM model.
v. Supplier details to be mentioned.
vi. Disposal of loan proposal by branch manager is must.
vii. All other terms & conditions as applicable in this kind of loan as per various bank norms’ should be
complied with.
Branch to ensure that latest sanction advice (Ref: bank’s circular no. MISC/167/2017-18 dated 29.06.2017) is ad-
vised.

Rishi Singh

REVIEW OF CAF 1
BRANCH: Anpara Scale-I I, MONTH: July 2020 DATE:07.09.2020
1We place here under the observations in respect of CAF-1 submitted by the Branch.

(In Lacs)
Shiv Shankar Shukla SL-MUD 5.00 SL-MUD

SR
2 Satisfactory CIBIL Reports are available √ Cibil report is obtained. Score is 697.

any
9 Applicable Margin is held √ Rs.55600/- Less than standard Guidelines
10 Whether Subsidy Claimed/Received √ NA
11 Repayment/ holiday period as per scheme is applied √ NIL

14 Acceptable Term loan Assessment √
i. Branch to ensure there is sufficient surplus in the business to repay the loan amount.
ii. Branch to recover amount which is excess financed.
iii. Place of business is owned or rented not mentioned in note.
iv. Branch is required to do rating of the account under new CRRM model.
v. Supplier details to be mentioned.
vi. Disposal of loan proposal by branch manager is must.
vii. All other terms & conditions as applicable in this kind of loan as per various bank norms’ should be
complied with.
viii. Account is partially covered under CGTMSE coverage, branch to ensure LIC policies are assigned in
banks favor & CGPAN to be generated and feeded in system.
Branch to ensure that latest sanction advice (Ref: bank’s circular no. MISC/167/2017-18 dated 29.06.2017) is ad-
vised.

Rishi Singh

REVIEW OF CAF 1
(In Lacs)
CC-Mudra Rs.3.80 CC-Mudra
Mrs. Savita Devi SL-Mudra Rs.5.70 SL-Mudra

SR
2 Satisfactory CIBIL Reports are available √ Cibil Score is -1

any
5 Having held F-347 complete in all respects Branch to ensure
7 Whether comments on financial available √
9 Applicable Margin is held √ As per Scheme 5 %
10 Whether Subsidy Claimed/Received Branch to ensure that subsidy is received

14 Acceptable Term loan Assesment √ DSCR calculated

loan.
vi. Branch to ensure that subsidy claim formalities are completed within the stipulated time-
frame.
vii. Branch to verify asset creation as per quotation submitted by the borrower and ensure that
viii. The loan is covered under CGTMSE branch to ensure CGPAN is generated and same is feeded
in system.
ix. All other terms & conditions as applicable in this kind of loan as per various bank norms’ should be complied with.

Rishi Singh

REVIEW OF CAF 1
(In Lacs)
CC-Mudra Rs.3.80 CC-Mudra
Mrs. Vijay Laxmi Gupta SL-Mudra Rs.5.70 SL-Mudra

SR
2 Satisfactory CIBIL Reports are available √ Cibil Score is -1

any
5 Having held F-347 complete in all respects Branch to ensure
7 Whether comments on financial available √
9 Applicable Margin is held √ As per Scheme 5 %
10 Whether Subsidy Claimed/Received Branch to ensure that subsidy is received

14 Acceptable Term loan Assesment √ DSCR calculated
16 Security 1. Stocks

loan.
vi. Branch to ensure that subsidy claim formalities are completed within the stipulated time-
frame.
vii. Branch to verify asset creation as per quotation submitted by the borrower and ensure that
viii. The loan is covered under CGTMSE branch to ensure CGPAN is generated and same is feeded
in system.
ix. All other terms & conditions as applicable in this kind of loan as per various bank norms’ should be complied with.

Rishi Singh

REGIONAL OFFICE,
VARANASI
REVIEW OF CAF 1
BRANCH: Anpara Scale-II, MONTH: JULY 2020 DATE: 07.09.2020
CAF1S. Name of the Borrower Facility Loan Amount (In Detail of Vehicle Whether New/used
No. Lakhs)
Mrs. Archana Kumari TL-Pushpaka Rs.5.00 For Purchase of four wheeler

SR REGIONAL OFFICE OBSERVATIONS
1 Compliance onKYC √
2 Satisfactory CIBIL Reports are available √ CIBIL report is generated and the same is satisfactory.
3 Borrower is on RBI’s Defaulter List Branch to confirm
4 Having held satisfactory report of the other Bank, if any NA
5 Income /50% take home income criteria as laid down in the √

scheme stands complied with.
6 Authentic proof of income is held √ Branch to obtain authenticate proof of income mentioned in the
note.
7 Correct Interest Rate as applicable, is applied √ RLRR +Spread i.e 7.55 Presently
9 Repayment period as per scheme is applied √
10 POST DISBURSEMENT Inspection conducted & report is held √ Branch to ensure to conduct Post Sanction inspection.
on record
11 Having held supplier’s Invoice √ Branch to keep record of supplier’s invoice and bills.
12 Branch to have held copy of RC with bank`s name as Financer. Branch to ensure to take copy of RC book from borrower and
ensure that Bank’s name is entered in RC as financer.
Insurance Cover is held of the vehicle for 100% of its value with √ Branch to ensure to insure the full value of vehicle and take copy of
Bank’s Clause insurance Policy and keep it with the documents and also ensure to
13 renew it as and when required.
14 Having held F-347/ F-349 complete in all respects √ Branch to ensure
15 Compliance of all sanction terms and conditions and perfection √ Branch to ensure that all documents held perfect in all respects.
in all document
16 Processing charge or other charges recovered √ Branch to ensure to recover all charges from applicant
i. Branch to verify that the proposal is satisfactorily complying with 50% norms.
ii. Branch to confirm that valid quotation/proforma invoice containing details of the assets and name/
address/GSTIN of the dealer/supplier of machinery/equipment to be purchased out of loan amount
is submitted by the borrower and genuineness of the same is verified by branch.
iii. Disposal of loan proposal by branch manager is must.
iv. All other terms & conditions as applicable in this kind of loan as per various bank norms are
to be complied with.
Branch to ensure that latest sanction advice (Ref: bank’s circular no. MISC/167/2017-18 dated 29.06.2017) is
advised.

Rishi Singh

REGIONAL OFFICE,
VARANASI
REVIEW OF CAF 1
CAF1S. Name of the Borrower Facility Loan Amount (In Detail of Vehicle Whether New/used
No. Lakhs)
Mr. Chandra Prakash Singh TL-Pushpaka Rs.8.00 For Purchase of four wheeler
SR REGIONAL OFFICE OBSERVATIONS
1 Compliance onKYC √
2 Satisfactory CIBIL Reports are available √ CIBIL report is generated and the same is satisfactory.
3 Borrower is on RBI’s Defaulter List Branch to confirm
4 Having held satisfactory report of the other Bank, if any NA
5 Income /50% take home income criteria as laid down in the √

scheme stands complied with.
6 Authentic proof of income is held √ Branch to obtain authenticate proof of income mentioned in the
note.
7 Correct Interest Rate as applicable, is applied √ RLRR +Spread i.e 7.55 Presently
9 Repayment period as per scheme is applied √
10 POST DISBURSEMENT Inspection conducted & report is held √ Branch to ensure to conduct Post Sanction inspection.
on record
11 Having held supplier’s Invoice √ Branch to keep record of supplier’s invoice and bills.
12 Branch to have held copy of RC with bank`s name as Financer. Branch to ensure to take copy of RC book from borrower and
ensure that Bank’s name is entered in RC as financer.
Insurance Cover is held of the vehicle for 100% of its value with √ Branch to ensure to insure the full value of vehicle and take copy of
Bank’s Clause insurance Policy and keep it with the documents and also ensure to
13 renew it as and when required.
14 Having held F-347/ F-349 complete in all respects √ Branch to ensure
15 Compliance of all sanction terms and conditions and perfection √ Branch to ensure that all documents held perfect in all respects.
in all document
16 Processing charge or other charges recovered √ Branch to ensure to recover all charges from applicant
i. Branch to verify that the proposal is satisfactorily complying with 50% norms.
ii. Branch to confirm that valid quotation/proforma invoice containing details of the assets and name/
address/GSTIN of the dealer/supplier of machinery/equipment to be purchased out of loan amount
is submitted by the borrower and genuineness of the same is verified by branch.
vi. All other terms & conditions as applicable in this kind of loan as per various bank norms are
to be complied with.
Branch to ensure that latest sanction advice (Ref: bank’s circular no. MISC/167/2017-18 dated 29.06.2017) is
advised.

Rishi Singh

REGIONAL OFFICE,
VARANASI
REVIEW OF CAF 1
We have not received GECL office note for any laon sanctioned, Branch to send office note.
Rishi Singh

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INDIAN OVERSEAS BANK

CAF1 Name of the Borrower Facility Loan Amount Details of Facility

S REGIONAL OFFICE OBSERVATIONS

……. GENERAL POINTS……….

(BRANCH TO CONFIRM) Yes No Other Remarks if necessary

1 Compliance onKYC √ Branch to ensure

2 Borrower is not on ECGC/RBI/ Other Bank defaulters list Branch to ensure

3 Satisfactory CIBIL Reports are available √ Branch to obtain

5 Document relating to constitution of unit √ Branch to obtain

6 Having held F-347 √

7 Whether proportionate /sufficient Turnover is routed √ Branch to takeup with Borrower

9 Method of lending for a)WC: a- Available

13 Acceptable Working Capital Assessment √

14 Acceptable Term loan Assessment/ Average DSCR is on √ Na

15 Applicable Owner’s contribution held with us √ Branch to ensure

16 Correct Interest Rate as applicable, is applied √ RLRR+ 1.30 % spread

(Whether advance is covered by Collateral: √ Branch not mentioned in office note

23 Submission of Stock/Book Debt Statement Branch to ensure submission of monthly stock

24 COIR observation √ Branch has confirmed nil remarks

26 Loan is sanctioned under Branch discretionary power √

28 Subsidy Received √ Not Mentioned in office note

Nidhi Singh A P Gupta

INDIAN OVERSEAS BANK

CAF1 Name of the Borrower Facility Loan Amount Details of Facility

S REGIONAL OFFICE OBSERVATIONS

……. GENERAL POINTS……….

(BRANCH TO CONFIRM) Yes No Other Remarks if necessary

1 Compliance onKYC √ Branch to ensure

2 Borrower is not on ECGC/RBI/ Other Bank defaulters list Branch to ensure

3 Satisfactory CIBIL Reports are available √ Branch to obtain

5 Document relating to constitution of unit √ Branch to obtain

6 Having held F-347 √

7 Whether proportionate /sufficient Turnover is routed √ Branch to takeup with Borrower

9 Method of lending for a)WC: a- Available

13 Acceptable Working Capital Assessment √

14 Acceptable Term loan Assessment/ Average DSCR is on √ Na

15 Applicable Owner’s contribution held with us √ Branch to ensure

16 Correct Interest Rate as applicable, is applied √ RLRR+ 1.80 % spread

18 Charge Created on security Prime: √ Stocks

(Whether advance is covered by Collateral: √ Branch not mentioned in office note

23 Submission of Stock/Book Debt Statement Branch to ensure submission of monthly stock

24 COIR observation √ Branch has confirmed nil remarks

26 Loan is sanctioned under Branch discretionary power √

28 Subsidy Received √ Not Mentioned in office note

Nidhi Singh A P Gupta

INDIAN OVERSEAS BANK

CAF1 Name of the Borrower Facility Loan Amount Details of Facility

M/s Sunil Singh & Sons

Prop. Mr. Ajay Pratap Singh CC-MUD Rs.5.00 CC-Mudra

REGIONAL OFFICE OBSERVATIONS

……. GENERAL POINTS……….

(BRANCH TO CONFIRM) Yes No Remarks of R.O.

3 Borrower is on RBI’s Defaulter List Branch to ensure

4 Having held satisfactory report of the other Bank, if √

5 Having held F-347 complete in all respects √ Branch to ensure

7 Whether comments on financial available √ Branch to ensure

8 Correct Interest Rate as applicable, is applied √