Co Applicant and Guarantor Fleet List

Finance /
Sl No. Registered Owner Relation Asset Model YOM Registration No. Free Financier AD / PD Run Off POS REMARK

1 MOHD ALEEM SELF HCV AL 3718 2015 KA566472 FINANCE SUNDARAM 0 7/41 1376000 Paid EMI 07/41
REFINANCED, PAID EMI 08/41, OWNERSHIP
2 MOHD MEHRAJ Cousine Brother HCV AL 3718 2017 KA562819 FINANCE SUNDARAM 0 8/41 1342000 SINCE 2017 - 1ST OWNER
 Free CEAV -

Financed CEAV #VALUE!

Total CEAV #VALUE! #VALUE!

Proposed funding 1,300,000
Forwarding looking CEAV 1,300,000
Free:Finance ratio 0.00%
 Viability Sheet for Non-Captive Profile
Parameters Factors Per KM/Ton Per month
Route (HUBLI-DHARWAD-BELGAUM-BANGALORE-BAGALKOT) AL 3723/2013
No of KM per Trip 1600
No of Trip per month 4
Monthly running (in KM) 6400
Average load in tons per Trip 12
Rate Per Trip per ton 59800
Total Rental Income (A) 2870400
Diesel Consumption (in L) 4 25600
Price per liter 89
Diesel Cost: 89 2278400
Maintenance expenses 20% 455680
Driver Salary 20000
Tyre Cost 6000
Taxes 4000
Insurance Cost 5000
Other Expenses 5000
Total Expenses (B) 2774080
Free Cash Flow (A-B) 96320
EMI Commitment 45790
FCF / EMI 2.1
 Details of Asset : AL 3723/2013
Asset Model and Make Net of Discount Price(NOD) LTV
Rs-1684375 /- (Insurance) 77%
AL 3723/2013
Rs.  1495000 /- (vehicle valuation ) 87%
AL 3723/2013
Amt. Financed No. of Units Total Amount

1300000 1 Rs- 13.00L
 Aapplicant
Repayment Track Record (RTR)
PLS. DONOT FILL ANYTHING IN COLOURED CELLS OF THIS SHEET AS THEY CONTAINS FORMULA. TRACK SUMARY
Name of the Client MOHD ALEEM Total No. of EMIs 41
Name of the Financier SUNDARAM FINANCE No. of EMIs Paid 7

Asset Financed REP USED KA566472 Balance Tenure 34

ANYTHING IN COLOURED CELLS OF THIS SHEET AS THEY CONTAINS
Type
FORMULA.
of Finance (Equik/Requik)
AL 3718/2015 Total Delay 0
Peak Delay 26
Finance Amount 1600000 Loan No. S015600110 Avg. Delay 0.75

Finance Charges 410060 Loan Start Date 10/10/2022 Track Status ETR

Lone Maturity
Contract Value 2010060 Date 1/10/2026 Total Amount Paid 2256150

Installment Due Date(dd-mm-

Installment No. Amount yy) Receipt No. Payment Date Amount Paid Delay Days
1 49025 10-Oct-22 10-Oct-22 49025 0
2 49025 10-Nov-22 10-Nov-22 49025 0
3 49025 10-Dec-22 10-Dec-22 49025 0
4 49025 10-Jan-23 10-Jan-23 49025 0
5 49025 10-Feb-23 10-Feb-23 49025 0
6 49025 10-Mar-23 10-Mar-23 49025 0
7 49025 10-Apr-23 10-Apr-23 49025 0

GUARANTOR
Repayment Track Record (RTR)
PLS. DONOT FILL ANYTHING IN COLOURED CELLS OF THIS SHEET AS THEY CONTAINS FORMULA. TRACK SUMARY
Name of the Client MOHAMMAD MEHRAJ Total No. of EMIs 53
Name of the Financier SUNDARAM FINANCE No. of EMIs Paid 53

Asset Financed NEW NEW KA562819 Balance Tenure 0

ANYTHING IN COLOURED CELLS OF THIS SHEET AS THEY CONTAINS
Type
FORMULA.
of Finance (Equik/Requik)
AL 3718/2017 Total Delay 1
Peak Delay 26
Finance Amount 2460000 Loan No. S015600938 Avg. Delay 0.607843137254902

Finance Charges 576061 Loan Start Date 4/10/2027 Track Status ETR

Lone Maturity
Contract Value 3036061 Date 6/10/2021 Total Amount Paid 2970661

Installment Due Date(dd-mm-

Installment No. Amount yy) Receipt No. Payment Date Amount Paid Delay Days
1 65400 10-Apr-17 10-Apr-17 65400 0
2 65400 10-May-17 10-May-17 65400 0
3 65400 10-Jun-17 09-Jun-17 65400 0
4 65400 10-Jul-17 10-Jul-17 65400 0
5 65400 10-Aug-17 10-Aug-17 65400 0
6 65400 10-Sep-17 08-Sep-17 65400 0
7 65400 10-Oct-17 10-Oct-17 65400 0
8 65400 10-Nov-17 09-Nov-17 65400 0
9 65400 10-Dec-17 07-Dec-17 65400 0
10 65400 10-Jan-18 09-Jan-17 65400 0
11 65400 10-Feb-18 09-Feb-18 65400 0
12 65400 10-Mar-18 07-Mar-18 65400 0
13 65400 10-Apr-18 10-Apr-18 65400 0
14 65400 10-May-18 10-May-18 65400 0
15 65400 10-Jun-18 11-Jun-18 65400 1
16 65400 10-Jul-18 05-Jul-18 65400 0
17 65400 10-Aug-18 04-Aug-18 65400 0
18 65400 10-Sep-18 06-Sep-18 65400 0
19 65400 10-Oct-18 03-Oct-18 65400 0
20 65400 10-Nov-18 05-Nov-18 65400 0
21 65400 10-Dec-18 05-Dec-18 65400 0
22 65400 10-Jan-19 04-Jan-19 65400 0
23 65400 10-Feb-19 05-Feb-19 65400 0
24 65400 10-Mar-19 08-Mar-19 65400 0
25 65400 10-Apr-19 06-May-19 65400 26
26 65400 10-May-19 10-May-19 65400 0
27 65400 10-Jun-19 10-Jun-19 65400 0
28 65400 10-Jul-19 08-Jul-19 65400 0
29 65400 10-Aug-19 08-Aug-19 65400 0
30 65400 10-Sep-19 09-Sep-19 65400 0
31 65400 10-Oct-19 09-Oct-19 65400 0
32 65400 10-Nov-19 11-Nov-19 65400 1
33 65400 10-Dec-19 11-Dec-19 65400 1
34 65400 10-Jan-20 10-Jan-20 65400 0
35 65400 10-Feb-20 10-Feb-20 65400 0
36 0 10-Mar-20 10-Mar-20 0 0
37 0 10-Apr-20 10-Apr-20 0 0
38 0 10-May-20 10-May-20 0 0
39 0 10-Jun-20 10-Jun-20 0 0
40 0 10-Jul-20 10-Jul-20 0 0
41 0 10-Aug-20 10-Aug-20 0 0
42 65400 10-Sep-20 12-Mar-20 65400 0 EMI ADJUST FROM MARCH
43 65400 10-Oct-20 07-Oct-20 65400 0
44 65400 10-Nov-20 09-Nov-20 65400 0
45 65400 10-Dec-20 09-Dec-20 65400 0
46 65400 10-Jan-21 10-Jan-21 68871 0
47 65400 10-Feb-21 10-Feb-21 63893 0
48 65400 10-Mar-21 12-Mar-21 71000 2
49 65400 10-Apr-21 05-Apr-21 73153 0
50 65400 10-May-21 10-May-21 70622 0
51 65400 10-Jun-21 09-Jun-21 69279 0
52 65400 10-Jul-21 28-Jun-21 68643 0
53 65400 10-Aug-21

GUARANTOR
 Repayment Track Record (RTR)
PLS. DONOT FILL ANYTHING IN COLOURED CELLS OF THIS SHEET AS THEY CONTAINS FORMULA. TRACK SUMARY
Name of the Client MOHAMMAD MEHARAJ Total No. of EMIs 41
Name of the Financier SUNDARAM FINANCE No. of EMIs Paid 8

Asset Financed REP USED KA562819 Balance Tenure 33

ANYTHING IN COLOURED CELLS OF THIS SHEET AS THEY CONTAINS
Type
FORMULA.
of Finance (Equik/Requik)
AL 3718/2017 Total Delay 0
Peak Delay 0
Finance Amount 1600000 Loan No. S015600103 Avg. Delay 0

Finance Charges 403435 Loan Start Date 9/3/2022 Track Status ETR

Lone Maturity
Contract Value 2003435 Date 12/3/2025 Total Amount Paid 343175

Installment Due Date(dd-mm-

Installment No. Amount yy) Receipt No. Payment Date Amount Paid Delay Days
1 49025 03-Sep-22 03-Sep-22 49025 0
2 49025 03-Oct-22 03-Oct-22 49025 0
3 49025 03-Nov-22 03-Nov-22 49025 0
4 49025 03-Dec-22 03-Dec-22 49025 0
5 49025 03-Jan-23 03-Jan-23 49025 0
6 49025 03-Feb-23 03-Feb-23 49025 0
7 49025 03-Mar-23 03-Mar-23 49025 0
8 49025 03-Apr-23 03-Apr-23 49025 0
 No of Unit
Existing Exposure 0
Proposed Exposure 1
Total Exposure 1
Gross Fin Amt POS
0.00 0.00
13.00 13.00
13.00 13.00
 PRS SCORE :- 81.50
Perticulars LIC Score
Asset Risk  (A) 35
Viability  (B) 15
Customer Profile  (C) -2.5
Collateral  (D) 18
Total Score  (A+B+C+D) 65.5
Total Weightage 100%
WAS ( Total Score /Total 0.65
ORE :- 81.50 CIBIL
BM Score Applicant Cibil Score 757
35 Co-applicant Cibil Score -
15 Guarantor Cibil Score 717
-2.5
18
65.5
100%
0.65
 Deal Structure
Applicant MOHD ALEEM
Co-applicant NA
Guarantor MD MEHRAJ - ( Cousine Brother )
Make & Model AL 3723/2013
IDV 1684375
Valuation 1495000
Funding Amount 1300000
LTV 87%
Customer category FTB PRIOR VEHICLE
Sourcing agent name DIRECT
No of Unit ONE
Tenure 3 YEARS
Moratorium 30
IRR 14.51%
Mode of Repayment ENACH
 USED REFINANCE   -PROPOSED DEAL HCA CROSS CHECK CONDITIONS
Repayment Mode: E Nach.
Original valuation and B extract to be documented .
Latest property proof-( RTC ) to be document
RCU to be screened.
Duly filled FI report, Applicant information sheet, Assessment Sheet and reference check.
INSURANCE VALID > 3 Months
Nil overdue in HLF existing contracts if any.
HCA to recheck on deviations / PRS.
Vehicle dedupe and Customer dedupe copy to be documented in the file.
Proposed vehicle should not be a repossessed vehicle – HM / LM to ensure
01.check on Theft vehicle to be done. For used vehicle funding pls check below ,
“ No Match found Screen shot “ to be documented as per COO Mail with immediate effect.
Use LINK  http://www.digitalpolicecitizenservices.gov.in/centercitizen/login.htm

NON-COVID DEVIATIONS
 (Existing Rs. 0.00 lakhs & Proposed Rs. 13.00 Lakhs)- Total 13.00L on Valuation -L2
PRS 65.50 - L3
Tenure 3 years/35 Months: L1
IRR 14.51 % -L3
Cibil - Borrower - 729-L2
Cibil - Guarantor 764 -L1
Processing Fee 1% Colected - (0.25% Waiver) L2
Internal Guarantor (Cousin Brother) L2

USED REPURCHASED -PROPOSED DEAL  CROSS CHECK  CONDITIONS

PDD and PRS with all supporting documents .
Deal with LI
Original valuation to be documented
IDV should be min of 129%
Account Holder Name MOHA ALEEM
Bank Name KARNATAKA BANK
ACCOUNT NO 4982500100601001
Branch Address MATALA
Oct-22 360672
Nov-22 364229
Dec-22 344993
Jan-23 524503
Feb-23 366369
Mar-23 625026
Apr-23 322610
TOTAL 2908402
MONTHLY INFLOW 415486
 Customer Codes
Mohd Aleem KA00119018
Md Meharaj KA00119107