Only if any cahnges since the last rating Exercise

Breif Profile
1 Industrial group
2 Date of Incorporation
3 Year of commencement of operations
4 Constitution
5 Controlling Office
6 Nature of business

Particulars of Directors
Name Qualification Designation
1
2
3
4
8

Key Managerial Persons

Name Qualification Designation
1
2
3
4
Experience (years)

Experience (years)
Banker Details
Name of Bank/Financial Institution Nature of Facility Sanctioned Amount

Amount To be Rated

Amount Outstanding
Name of Lender Facility Type
as on 31 Jan 2024
 (Amount in Crores)
Outstanding Current rate of Interest Tenure

Rated Amount Maturity

Current Product Profile
Products Product 1 Product 2 Product 3 Product 4 Product 5
Avg Tenure
Avg Ticket Size
Yield Range (ROI)
Processing Fee
Collateral
Max. LTV

Product wise break up of Loan portfolio

Products FY20 FY21 FY22 FY23 FY24
1
2
3
4

Break up of AUM FY20 FY21 FY22 FY23 FY24

On book
Off book
Total AUM
Latest quarter/half year/9Months

Latest quarter/half year/9Months

CAR Details
Particulars FY20 FY21 FY22 FY23
Tier I Capital (Rs. in Crore)
Tier II Capital (Rs. in Crore)
Risk Weighted assets (Rs. in Crore)
Tier I (%)
Tier II (%)
Total CAR (%)
FY24 Latest quarter/half year/9Months
Days Past Due (% of total
portfolio) FY2020 FY2021 FY2022
Rs in Crores % Rs in Crores % Rs in Crores %
On Time
1-30 Days
31-90 Days
91-180 Days
180+Days
Total

NPA Details
Particulars FY21 FY22 FY23 FY24 Latest quarter/half year/9Mo
Gross NPAs ( Rs in Crs)
Less: Provision ( Rs in Crs)
Net NPAs ( Rs in Crs)
Gross NPA %
Net NPA %
 Latest quarter/half year/9Months
FY2023 FY24
Rs in Crores % Rs in Crores % Rs in Crores %

Latest quarter/half year/9Months

 Liquidity as on latest date
Particulars Amount in Cr
Cash and bank balances
Liquid investments
Unutilised bank limits
Unmarked FDs
Total
Last 12 months

Sanctioned Term Maximum monthly Average monthly Maximum monthly Average monthly
Month Loan Limits (in cr ) Drawing Power Utilization Utilization Utilisation % Utilisation %

Total Average % Utilization

Last 12 months
Current Demand (Excluding Current Collection (Excluding
Month
overdues/arrears) - A arrears/overdues) - B
Collection Efficiency (B/A)
Banker Contact Detalis

Name of the Borrower Contact person Name Designation Email id Contact Number

Auditor Contact Details

Name of the Firm Contact person Name Designation Email id Contact Number

Debenture Trustee Contact Details

Name of the Firm Contact person Name Designation Email id Contact Number
 Latest quarter/half year /9 months

Latest Latest
Particulars (Rs in Crore) quarter - quarter -
Previous this year
year
Total Revenues
PAT
AUM/Total Loan portfolio
Net Worth 9
Total Debt
GNPA (%)
NNPA (%)
CRAR (%)
Gearing (Times)