Proposal 2024/076/00332

Borrower ID 1234567
Borrower Name Hemant
Model NBFC Model - DCB
Assessment Year Apr 2022 - Mar 2023 (Audited)
Initiation Date

Borrower Rating

Risk Item 2023

55.75
Company Risk Score

BBB
Company Risk Grade

14.09
PD
Facility Rating

Facility Name Facility Amount Security Name Security Amount Combined Rating
Advance Against Bills 100 C ash & Equivalent 150 A+
Combined Rating

Borrower Grade Borrower PD EL% Combined Rating

BBB 14.09 6.34 A+
Rating Component Details

Parameter Name Parameter Description Parameter Score

Key Financial Ratios

Borrowings / NOF Score On Error 0

AUM / Net Owned Funds Score On Error 0

Provision Coverage Ratio Score On Error 0

Net NPA / NOF (%) Score On Error 0

Return on Average Assets Score On Error 0

Return on Net Owned Funds Score On Error 0

% Growth in AUM Score On Error 0

% Increase in NII Score On Error 0

Cumulative Inflows / Cumulative Outflows upto 12 Months(from AL Score On Error 0

Cumulative Inflows / Cumulative Outflows upto 3 Months(from ALM Score On Error 0

Financial Risk

Sources of Funding Well Diversified funding sources (each sourced contributing 20-25% each) 0.25

Business Risk

1/3
Parameter Name Parameter Description Parameter Score
Stock Exchange of Listing EQUITY Listed 0.25

External Rating AAA 5

AUM % of Top 1 State < 10 1

RBI Layer Classification Upper Layer 1

Product Diversification Five or more than five loan products 0.75

Business Vintage/ Promotor's Strength Greater than 10 years 0.75

Secured Portfolio % of Borrower < 40 0.3

Collection Efficiency >=90% to 95% 0.6

Management Risk

Competence of Management/Promotor/Founder Senior management are of good reputation (Greater than 20 years of manage mentor experience with same/multiple organizations under same industry 0.5

Change in Auditors Change of auditors as per regulations 0.5

Qualification in the Audit Report No 0.5

Regulatory non-compliance/ Major Proceedings or litigation against

borrower entity No 0.5

Frequent changes in KMP/Promotor No Change during the last three financial years 1

Unpaid statutory dues and its trend(NBFC) Yes 0

Penalties Levied by the Regulator (RBI) No instances of penalties by RBI 1

History of reneging on personal/ third-party guarantee by Never happened 1

promoter/director/guarantor entities in group entities

History of default by the Company or its Promoters. Never happened 1

Succession Plan The company has clear succession plan, but company's operations are dependent on the present leadership. 0.8

Projection vs. Achievements in Net Profit >= 70% but < 90% 0.8

Projection vs. Achievements in AUM >= 90% 1

Transactional Risk

Relationship with the Bank Greater than equal to 3 and less than 5 years 1.2

Overdue with our Bank since last sanction Accounts remained irregular for up to 10 days 1.2

Frequency of occurrence of 31 DPD defaults since last sanction It happened >= 3 and < 4 times in a year -1.2

Overdue with other Banks (CRILC/Credit Bureau) Never happened 3

Submission of QIS/MSOD/Stock/Book debts Statements Timely Submission 1

Compliance with previous covenants / terms & conditions of the existing Breach of some conditions / covenants in the past, but subsequently rectified 0
facilities with the bank

Industry Risk

2/3
Parameter Name Parameter Description Parameter Score
Industry Risk Score 6 6

3/3