RAHETG_RAHETGAON -00758

Values are in Lakhs

Borrower /Company Profile
(Rs. in Lakhs)
Zone: BLZONE_BHOPAL_ZONAL Branch: RAHETG_RAHETGAON Branch Region: HOSHRO_REGIONAL
OFFICE Code: 00758 OFFICE HOSHANGABAD

Name of the Unit : VIJAY KUMAR AGRAWAL

Name of Promoter(s)/Proprietor/Partner(s)/Key Person(s):
Priority Sector Yes
Industry: Large Corporate Type of Proposal: Fresh
Location:

i) Registered Office Address: Ward No. 16, Shaktimata Chowk , Tehsil Rahetgaon , Dist Harda , PIPARIYA
(DIST. HOSHANGABAD) , MADHYA PRADESH -461228
ii) Factory Address:
iii)Corporate Office Address:
iv)Mobile No. :918361400000 Telephone No. :918361400000
GSTIN: Passport No(For all Partners/Directors): DIN:
GST No.: NA
PAN: ABDPA9123A
CIN:
Udyog Aadhar/Udyam
Registration:
Aadhar No of Applicant(If
100076326865
Applicable):
ZED Rating
SME/MSME Rating(If Any):
GeM Registration
ISO Certification
CIC / Commercial Rating
Validity of Pollution Control
Not applicable / No Data found
Certificate ( if applicable )
CIC Report Taken Dated: Remarks:
MSME Classification:
Invt. in P& M,equip etc.: Activity: BSR Code:
Turnover: Trading
as on :2023 - 2024
Date of incorporation/ Establisment: Banking with us since:
Coverage under any guarantee schemes:
Any Govt Sponsored schemes (If so, Specify)
Banking Arrangement : Sole Limits with other bank :

FB : 0
 NFB : 0

Total : 0
Comments upon CRILIC Report (if any) No Data Found / Not Applicable
Date of last Review/Renewal IRAC/SMA Status Central Fraud Registry (CFR)
NA

Internal Rating Name of the Model Grade

Summary/Score MSME Score card for upto Two Crore CBI-1

Present Proposal
a) Sanction For : 1 ) Fresh GENERAL MSME -Rs 8.00 lakhs
b) Approval For : Arun Kumar Ponnappan
c) Confirmation of : SURENDRA NAVNATH LAMBE

Performance and Financial Indicators

2021-22 2022-23 2023-24 2024-25 2025-26

Particulars
( Aud ) ( Aud ) ( Est ) ( Proj ) ( Proj )
Net Sales 65.00 136.50 150.15 165.17 181.68
(Export) 0.00 0.00 0.00 0.00 0.00
PBT/Net Sales(%) 2.62 25.54 25.42 25.17 24.91
Profit after tax 1.70 34.86 38.17 41.58 45.25
PBDIT/TA 0.10 0.51 0.53 0.57 0.60
Cash Accrual -6.62 25.41 26.51 26.38 25.89
Paid up Capital 22.64 24.28 26.34 28.83 31.81
TNW 22.64 24.28 26.34 28.83 31.81
Adj. TNW 22.64 24.28 26.34 28.83 31.81
TOL/TNW 2.22 1.96 1.68 1.41 1.15
TOL/ Adj. TNW 2.22 1.96 1.68 1.41 1.15
Current Ratio 1.57 1.67 1.74 1.79 1.82
DSCR 4.45 9.80 11.18 12.94 15.36

Details of Associate Concern/ Family Concerns and their Bankers: NPAs among associates (if any), NCLT
referred a/cs (if any)
Bank Name Party Name Party Type Facility Name Sanction Limit Outstanding Balance Remarks
No data Found / Not Applicable

Comments on conduct of Account: (covering irregularities, noncompliance, LC devolvement, BG invocations,

credit summations, etc.):

Details of BG (PG / MG)

Guarantee Date of Amount in Beneficiary Expiry Date of Date of
No issue lakhs name Date Invocations adjustments

Total :
Details of LC
LC No Date of issue Amount in lakhs Beneficiary Name Due Date Date of Devolvement Date of adjustments
 Total :
Covering irregularities and Non Compliances
Sl No Irregularities Branch Comments Compliance
1
2
3
4
5
Credit summations
Particulars Last financial Year Current financial Year upto previous month
Credit Summations
Debit Summations
Highest Balance
Lowest Balance
Average Utilisation
Comments
Comments on the Project status for Outstanding guarantees
undefined

Annual Review of Term Loans

Outstandi Irregularit
Sl. No Account No Limit DP/DL Remarks
ngs y, if any
Not Applicable
Eligibility checks:
Facility and amount of loan applied GENERAL MSME - 8 lakhs
Existing business
TNW positive
CIBIL/CRIC score >700
No
Experian >700 and/or CMR up to CMR6
Rate Of Interest GENERAL MSME - 10.3%
Repayment GENERAL MSME -
Credit Rating Low Rating 97 - CBI-1
Whether the legal opinion from Panel Advocate is Obtained Yes
Pre Sanction Inpection Done on undefined-undefined-NA

Terms and conditions:

1) You must submit the originals of the documents as mentioned in the LSR before execution of security documents for
creation of Equitable Mortgage by us.

2)The loan amount should be utilized for the purpose for which it is sanctioned.

3)Equitable mortgage is to be registered with the concerned sub-registrar office at your cost and broken period EC
reflecting our bank charge is to be obtained.

4)Your overdraft account is to be reviewed /renewed annually as per existing practice and laid down procedures

5)You have to give ECS mandate to us at ECS centre for debit of EMI s from your account maintained with other bank
which is to be registered with the concerned Bank/Branch

6) In case of any default in payment of interest/installment, penal interest is to be charged @ 2 % over sanctioned
interest rate for the overdue amount and overdue period.
7)As the rate of interest stipulated is of floating in nature, the rate of interest @RBLR REPO ROI will be automatically
changed as per rates announced from time to time whether change is in Repo Rate or spread or both.

8) As the rate of interest stipulated is of floating in nature, the rate of interest @RBLR REPO ROI will be automatically
changed as per rates announced from time to time whether change is in Repo Rate or spread or both. Such changes will
be notified in Banks website and notice board of the branch.

9)In non ECS centres , minimum 10 post dated cheques, signed by the borrower for repaying monthly installments to be
obtained along with letter of deposit of advance cheques. An undertaking from the borrower is also to be obtained to
replenish PDCs at appropriate interval. This will form a part of concession to the borrower and not as a condition, hence
it is to be used judiciously.

10)All due diligence in respect of documentation, creation of mortgage, disbursement, post disbursement inspection,
follow up, etc are to be observed and reports should be kept on record.

11)Property(except the vacant plot) mortgaged to us should be adequately insured with usual bank clause for full value
against fire, riot wherever required and also against other appropriate hazards such as earth quake ,flood, lighting etc.
the insurance cover is to be kept in force during the currency of the loan the borrower is to be persuaded for insurance
under bank's corporate agency (BANCASSURANCE)

12) You have to carry out post disbursement inspection and the report is to be kept in record.

13) As the security (mortgaged property) consists of vacant land, periodical (yearly) inspection to be conducted
subsequent to availment of loan to ascertain the status of the security. Inspection charge will be borne by Borrower

14)The Branch Manager should satisfy himself/herself about the genuineness and fair value of the property to be
mortgaged.

15)KYC norms are to be strictly followed.

16)Over & above, you have to comply with usual Terms & Conditions as circulated by Central Office from time to time.

RECOMMENDING AUTHORITY SANCTIONING AUTHORITY

Name: SURENDRA NAVNATH LAMBE Name: Arun Kumar Ponnappan
PF No: 137652 PF No: 121937
Date: 02/05/2024 Date: 02/05/2024
Annexure-I

ASSESSMENT OF NON-FUND BASED LIMITS

No Data Found
Annexure-II
Guarantee Details
Name of the
Compiled on CIC Consumer Dt of Credit
S.No Guarantor/Proprietor/Part Networth as on NW
Date Score Report
ner/Director
No data Found / Not Applicable
Details of CIBIL other liabilities of each of the Guarantor/Proprietor/ Partner / Director
With our bank:
Account No Facility Type of Facility Limit Of Balance
No data Found / Not Applicable

With other bank:

Account No /
Facility Type of Facility Limit Of Balance
Bank Name
No data Found / Not Applicable

Details of insurance (Reasons, if waived)

S.No Security Type Value Valid up to
Collateral
S.No Security Type Value Valid up to
1 Divert Godown 0.0093 Hect area 1615500.00 02/05/2024
 S.No Security Type Value Valid up to
Total 1615500.00

Pricing:
Pricing/Interest
Existing Rate Card Rate Proposed Rate
MCLR/
Facility Effective Effective
Repo Spread Spread Spread Concession Effective Rate
Rate Rate
Cash Credit
Term Loan
LC & BG
Comments:
Value of account (During financial year):
Advances Previous Year Current Year
Not Applicable/No Data Found

c) Non-Compliances, if any(Only non compliances/ irregularities, if any to be included along with a brief justification):
Parameters Indicative Levels Unit Level Justifications
I.Liquidity -
II.TOL/ Adj. TNW -
III.TOL/TNW -
IV.Promoters' contribution Yes / No -
Avg.
V.Average gross DSCR -
Min.
Avg.
VI.Average Net DSCR -
Min.
VII.Debt/Equity -
VIII.Loan Policy Guidelines / Take-over norms / Scheme-specific deviations

Non-compliance with
SI.No Nature of non-compliance Comments
regard to
Critical Risk Factors and their Mitigation ( If Applicable)
Critical Risks Perceived Mitigating Factors
The name of promoters/Directors/Company/Group concerns is not
appearing in the RBI Defaulters list/CICs/Internal System Probing
CRA Related
Group Related
Sustainability Concerns
Audit Reports
Risk
Compliance
Foreign Currency Exposure(FCE) of the company (if applicable)

Salient Features and Justification for the Proposal:

Recommended for sanction / approval / confirmation:

a) Sanction For : 1 ) Fresh GENERAL MSME -Rs 8.00 lakhs

b) Approval For : Arun Kumar Ponnappan
c) Confirmation of : SURENDRA NAVNATH LAMBE

Details Appraised and Recommended By Assessed and Recommended By Sanctioned By

Signature
Name SURENDRA NAVNATHLAMBE SURENDRA NAVNATHLAMBE Arun Kumar Ponnappan
PF.NO 137652 137652 121937
Designation ASSISTANT MANAGER SCALE I ASSISTANT MANAGER SCALE I ASSISTANT MANAGER SCALE I
Mobile No. 7567664045

Recommendations Remarks

SURENDRA NAVNATH LAMBE

Recommended for Sanction
Terms & Conditions
1. Borrower should take undertaking that he will not repay the unsecured loan during currency of the loan.
2. You must submit the originals of the documents as mentioned in the LSR before execution of security documents for
creation of Equitable Mortgage by us.
3. The loan amount should be utilized for the purpose for which it is sanctioned.
4. Equitable mortgage is to be registered with the concerned sub-registrar office at your cost and broken period EC
reflecting our bank charge is to be obtained.
5. Your overdraft account is to be reviewed /renewed annually as per existing practice and laid down procedures
6. You have to give ECS mandate to us at ECS centre for debit of EMI s from your account maintained with other bank
which is to be registered with the concerned Bank/Branch
7. In case of any default in payment of interest/installment, penal interest is to be charged @ 2 % over sanctioned
interest rate for the overdue amount and overdue period.
8. As the rate of interest stipulated is of floating in nature, the rate of interest @RBLR REPO ROI will be automatically
changed as per rates announced from time to time whether change is in Repo Rate or spread or both.
9. As the rate of interest stipulated is of floating in nature, the rate of interest @RBLR REPO ROI will be automatically
changed as per rates announced from time to time whether change is in Repo Rate or spread or both. Such changes
will be notified in Banks website and notice board of the branch.
10. In non ECS centres , minimum 10 post dated cheques, signed by the borrower for repaying monthly installments to
be obtained along with letter of deposit of advance cheques. An undertaking from the borrower is also to be obtained to
replenish PDCs at appropriate interval. This will form a part of concession to the borrower and not as a condition, hence
it is to be used judiciously.
11. All due diligence in respect of documentation, creation of mortgage, disbursement, post disbursement inspection,
follow up, etc are to be observed and reports should be kept on record.
12. Property(except the vacant plot) mortgaged to us should be adequately insured with usual bank clause for full value
against fire, riot wherever required and also against other appropriate hazards such as earth quake ,flood, lighting etc.
the insurance cover is to be kept in force during the currency of the loan the borrower is to be persuaded for insurance
under bank's corporate agency (BANCASSURANCE)
13. You have to carry out post disbursement inspection and the report is to be kept in record.
14. As the security (mortgaged property) consists of vacant land, periodical (yearly) inspection to be conducted
subsequent to availment of loan to ascertain the status of the security. Inspection charge will be borne by Borrower
15. The Branch Manager should satisfy himself/herself about the genuineness and fair value of the property to be
mortgaged.
16. KYC norms are to be strictly followed.
17. Over & above, you have to comply with usual Terms & Conditions as circulated by Central Office from time to time.
Name of the Unit/Borrower: VIJAY KUMAR AGRAWAL
Facility Limit
1
GENERAL MSME 8.00
2 Security Details
Bank
Realizab Basis of
Facility Details Of Security Date of valuation Assessed
le Value valuation
Value

Collateral
Details Of Security Owned Type of Charge Realizable Value Da Date
By te of
of Title
Val Sear
 uat ch
ion Repo
rt
VIJAY 20/
KUMAR 03/
Divert Godown 0.0093 Hect area 1615500.00
AGRAW 20
AL 24
Total 1615500.00
Less:Existing Charges/Extension (If Any) 0.00
Available Amount of Security for the Loan 1615500.00
Guarantee Details
Complied
Sl. No. Name Net Means As on
on Date
No data Found / Not Applicable

Pricing/Interest
Existing Rate Card Rate Proposed Rate
Facility MCLR / Effectiv
Repo Spread Spread Effective Spread Concession
e Effective Rate
Rate
Rate
3
Cash Credit
Term Loan
LC & BG
No data Found / Not Applicable

Margin For WC (%) GENERAL MSME - %

Stocks
Receivables
Cover Period
Margin for Term Loan
4 Financial / Money Guarantee
Performance Guarantee
Advance Payment Guarantee
LC & BG
9.35 (RBLR) + 0.95 (Spread) = GENERAL MSME - 10.3 %
Rate Of Interest
P.A.
5 Repayment
GENERAL MSME 0 Months

Term Loan Repayment RepayMent

Term Loan Freuency Period
No data Found / Not Applicable

i)Validity of Sanction (in months) 3 Months

6
ii)Review/Renewal (in months) 12 Months
7 Inspection
8 Stock Statement
9 Insurance Securit Insurance Insurance
Security Sub Type
y Type Amount Due Date
Primary
No data Found / Not Applicable
Collateral
 Property Commercial industrial 1615500.00 02/05/2024
factory property.

N/A
CGTMSE guarantee fee & Annual service fee &
10 N/A
Demand Advice No (DAN) N/A
11 Processing Fee
12 Upfront Fee
13 Mortgage Charges
14 Commitment Charges
15 Penal Interest
1 - Agreement of Hypothecation to Secure Demand Cash
Credit Against Goods
2 - DP Note Corporate Clients Mudra
3 - Loan Cum Hypothecation Agreement (Machinery)
4 - Letter of Interest Variation
5 - Overdraft Agreement
6 - Form of Guarantee for Advances & Credits Generally
(Letter of Guarantee for others)
7 - Supplementary Agreement
8 - Demand Promissory Note (Consortium)
9 - Consent Letter of Borrower
10 - Demand Promissory Note (Company)
16 Documents 11 - Memorandum of Entry
12 - Demand Promissory Note (Individual)
13 - Guarantors Consent Letter
14 - Demand Promissory Note Joint & Several (Individual)
15 - Letter of Deposit of Title Deeds
16 - Term Loan Agreement
17 - Demand Promissory Note (Partnership Firm)
18 - Letter of Deposit of Advance Cheques
19 - Demand Promissory Note (Proprietor)
20 - Letter of Continuity
21 - Hypothecation Book Debts
22 - Declaration and Undertaking
23 - Letter of Waiver
17 Other Stipulations, If Any
Mandatory covenants(Pre Disbursement)
Mandatory covenants(Post Disbursement)
18 Covenants of Sanction
Mandatory Negative covenants(Pre Disbursement)
Mandatory Negative covenants(Post Disbursement)