OMOo 6D1DH soleI o Canara Bank <

I o ) Pnz Syndlcate|
gyo From, TO
THE SR. MANAGER
CREDIT REVIEW MONITORING & RECOVERY SECTION
WANDOOR BRANCH
&ty rufeu REGIONAL OFFICE MALAPPURAM
HTuRH/MALAPPURAM (7968)
fi/Date: 09.05.2023
./ Ref No: MRO/CRM/CR//2023/82
REVIEW OF LOAN ACCOUNT
MR.ABDUL KABEER
NAME OF BORROWER

CUSTOMER ID &ACC NO. 113075091 Account No. 170006866800

CONSTITUTION Proprietorship
NAME OF THE KEY PERSONS& NET WORTH MR.ABDUL AKBEER

LIMIT &AMOUNT
TL :Rs .5.60Lacs
LIMIT TYPE NEW
REVIEWING AUTHORITY Divisional Manager-RO
DATE OF SANCTION 14.12.2022

OBSERVATION I REMARKS:
All scheme guidelines to be adhered to.
Ensure Credit Scoring as per appropriate format for PMEGP is done (219/2017)
Ensure compliance of KYC guidelines. Ensure that all documents are self attested
End use to be strictly ensured.
Ensure CIR reports- Consumer & Commercial - are verified and kept on record
Ensure satisfactory working of the unit and post inspection report to be on record.
Ensure availability of perfect enforceable documentation.
PMMY scheme below 10 Lakhs
Application form for Pradhan Mantri Mudra Yojana to be obtained for loans under
it is in tune with the estimated balance sheet
Ensure obtention of Balance Sheet for the current year and ensure that
Ensure that risk rating is done in appropriate format and approved by authorised signatory
IT returns to be obtained and ensure that actual figures commensurate with projections.
Credit investigation to be done from three informants (NF588)
Ensure Udyam Registration is obtained and updated in CBS (96/2021)
Ensure the availability GST registration if applicable and periodic GST returns to be obtained.
Ensure EDP/Skill Development Training is completed by the borrower
Ensure that all business transactions are being routed through our account.
Godown / unit inspection to be done periodically.
Bank's hypothecation board to be displayed in the unit/godown.
updation of BAM73
Ensure that CERSAl registration of movable/immoveable securities and
guarantee fee is covered (For limit up to Rs.10.00 Lakhs)
Ensure the loan is covered under CGFMU/CGTMSE and the annual
statements analysis to arrive at WC assessment
Ensure proper credit appraisal with financial
Ensure valid License / Permissions & rent agreement is obtained.
All applicable charges as per schemes &guidelines to collected.
219/2017. Branch to rectify.
For PMEGP the sanction communication should be as per model format given in HO CIR
Ensure proceeds were sent to suppliers by way of DD/RTGS/NEFT.
Ensure the availability of original invoice and stamped receipt.
Ensure that valid insurance with bank clause for full value of prime and collateral securities.
for review before 7th of succeeding
Delay is observed in sending CR copy for review. Branch to ensure that CR copy is being sent
month.
manual of instructions and other
Ensure compliance of all terms and conditions stipulated in your sanction and also those stipulated in
communications from time to time on the scheme

Specific remarks:
1 Ensure compliance of KYC guidelines.
2) Ensure perfect documentation.
3) Internal risk rating is not approved by SA.
more than Rs.5
4) WC limit is sanctioned along with term loan but limit is not maintained. As per HO Circular 560/2016, projects costing
lakh, which do not require working capital, need clearance from the next higher authority, branch to concur with the same
5) Ensure availability of original Invoices &stamped receipts for the total project cost.
6) ROI to be corrected as per cir 273/2022.
7) Pre-post sanction /End use report is not available. Branch to ensure the availability of the same.
8) Ensure the availability GST registration if applicable and periodic GST returns to be obtained.
CRM SECTION, RO MALAPPURAM
9) Ensure that Valid Insurance copy of Security with bank clause is avallable.
10) Ensure that CERSAI registration of movable/immoveable securities and updating BAM73.
11) Branch to note that URC is in the name of M/S Aadhi Garments and loan account is in the name of Mr. Abdul Kabeer.
12) Ensure that financial benchmark parameters (CURRENT RATIO DER, DsCR, TOL:TNW )are complied with.
13) Arrears to be collected immediately.
14) 6 Month moratorilum extended for tailoring unit. Reason for the same is not justifled. Branch to closely monitor the A/C and ensure
prompt repayment.

QoNI s/ForCANARA BANK

SÑONMAACORAIOC
NAREgection
ufa, eypRegional Ofice, Malappuram

MR.ABDUL KABEER : WANDOOR CRM SECTION, RO MALAPPURAM