EWS SnapShot Report

As On 12/03/2024

Amount in Lakhs.

Customer Name: CHOPRA ENTERPRISES Customer ID O38221588

1.
Status STANDARD Line of Activty
trading of electric items
Constitution PARTNERSHIP Sanctioning authority GM-HO
Sol Id 812400 Circle Office CO-KOLKATA SOUTH (BEHALA
Zonal Office ZO-KOLKATA Type Of Advance -
Last Sanction Date -

Total Exposure 202.78

Outstanding Overdue
Fund Based 202.78 200.99 0.00
Non Fund Based 0.00 0.00 0.00

Score Rank Indicator

SAJAG 94.67 5 Likely NPA
RBI SAJAG 36.88 - Severe
For Rating Purpose in
20.84 1 Healthy
Trac

EWS Score 100.00 EWS Score Dial

Parameter Transactional Financial Non-Financial
Overall Obtained EWS
12.33 26.66 1.57 EWS Score plot
Score
Max Score 40.00 33.33 26.67

RBI Score 31.48 RBI Score Dial

Parameter Transactional Financial Non-Financial
Overall Obtained RBI
1.43 8.33 0.00
Score
Max Score 40.00 33.33 26.67

Overrides
Transactional Financial Non-Financial Over all
- Last Financial Statement date is
31/03/2022
Override Invocation Date :
- Delay in submission of stock statement
- 12/03/2024 -
Override Invocation Date : 12/03/2024
- Overdue internal rating
Override Invocation Date :
12/03/2024

Internal Rating

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As On 12/03/2024

Amount in Lakhs.

Date of ABS Overdue Date Rating Grade Rating Score

31/03/2022 31/12/2023 PNB-B1 54.96

External Rating
Rating Amount
Rating Agency Facility Rating Assigned Rating Date Industry Instrument
(In Lakhs)

Facility Types Account Number Limit DP Balance Overdue DPD Status

TL 09047121000213 20.00 100.00 2.78 0.00 0 STANDARD

CC 09044015003837 200.00 211.28 198.21 0.00 0 STANDARD

Customer Other Details

42 PARK MANSION,57A PARK
CIN AAJFC6931B Address STREET,KOLKATA,WEST BENGAL-
700016 IN
PAN AAJFC6931B Telephone Number 919830273230
GSTIN - Mobile Number 919830273230
Authorised Capital 0.00 FAX Number -
Paid Up Capital 0.00 Email Id vivekchopra82@gmail.com
WebSite -

Sr No As On Date Sajag Score

1 12-03-2024 36.88
2 29-02-2024 39.46

Trigger
Trigger Name Trigger Reason
Generated Date

Under Insured Or Over Insured Inventory (Score = 8)

Under Insured Or AccountID Collateral_ID Insured_Value Security_Component_Value

Over Insured 2/19/2024
09044015003837 IG259678454 80.00 171.63
Inventory

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 EWS SnapShot Report
As On 12/03/2024

Amount in Lakhs.

Close Date Closure Remark

Closure Template
selection:Optimum insurance
2/27/2024
cover since obtained Closure
Remarks:

Report Run Date/Time : 13/03/2024 Page No. 3 of 13

06:36:13:PM
 EWS SnapShot Report
As On 12/03/2024

Amount in Lakhs.

Trigger
Trigger Name Trigger Reason
Generated Date

Primary Security Under-Insured (Score = 8)

AccountID Collateral_ID Insured_Value Security_Component_Value

Primary Security
2/19/2024
Under-Insured 09044015003837 IG259678454 80.00 171.63

Significant Inconsistencies Within The Annual Report (between Various Sections) (Score =
8)Variance in the values for following heads : (Score = 8)

Column_0 CY_2022 Financial_Heads PY_2021

Significant
Inconsistencies 41.81 53.86 Short Term Borrowings 3.47
Within The -77.52 174.30 Other Current Liabilities 34.28 2/19/2024
Annual Report
(between Various -77.80 0.78 Short Term Loans And Advances 122.91
Sections) 1210.46 7.61 Long Term Borrowings 4.11

Report Run Date/Time : 13/03/2024 Page No. 4 of 13

06:36:13:PM
 EWS SnapShot Report
As On 12/03/2024

Amount in Lakhs.

Close Date Closure Remark

Closure Template
selection:Adequate insurance
2/27/2024
since obtained Closure
Remarks:

Closure Template
selection:The same is within
2/27/2024 the acceptable limits as
approved by competent
authority Closure Remarks:

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06:36:13:PM
 EWS SnapShot Report
As On 12/03/2024

Amount in Lakhs.

Trigger
Trigger Name Trigger Reason Close Date
Generated Date

TOL/TNW (Score = 8)Total Non Current Liabilities for Mar 2022 = 60.50Total Current
Liabilities for Mar 2022 = 476.41Share Capital for Mar 2022 = 304.07Reserves And Surplus
for Mar 2022 = 0.00Intangible Assets for Mar 2022 = 0.00TOL/TNW Ratio for Mar 2022 = 1

Note
TOL/TNW (Score = 8)Total Non
Current Liabilities for Mar 2022
= 60.50
Total Current Liabilities for Mar
2022 = 476.41
Share Capital for Mar 2022 =
304.07
Reserves And Surplus for Mar
2022 = 0.00
Intangible Assets for Mar 2022
= 0.00
TOL/TNW Ratio for Mar 2022 =
1.77

Total Non Current Liabilities for

TOL/TNW 2/19/2024 2/27/2024
Mar 2021 = 90.17
Total Current Liabilities for Mar
2021 = 303.11
Share Capital for Mar 2021 =
302.49
Reserves And Surplus for Mar
2021 = 0.00
Intangible Assets for Mar 2021
= 0.00
TOL/TNW Ratio for Mar 2021 =
1.30

Increase in TOL/TNW Ratio =

36.15%

Report Run Date/Time : 13/03/2024 Page No. 6 of 13

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 EWS SnapShot Report
As On 12/03/2024

Amount in Lakhs.

Closure Remark

Closure Template
selection:The same is within
the acceptable limits as
approved by competent
authority Closure Remarks:

Report Run Date/Time : 13/03/2024 Page No. 7 of 13

06:36:13:PM
 EWS SnapShot Report
As On 12/03/2024

Amount in Lakhs.

Trigger
Trigger Name Trigger Reason Close Date
Generated Date

Significant Movement In Inventory, Disproportionately Differing Vis A Vis Change In

Turnover (Score = 8)Inventory to Turnover Ratio : Mar 2022 = 0.32Inventory to Turnover
Ratio : Mar 2021 = 0.38Change in Ratio = -15.79 %

Note
Significant Movement In
Inventory, Disproportionately
Significant Differing Vis A Vis Change In
Movements In Turnover (Score = 8)Inventory
Inventory, to Turnover Ratio : Mar 2022 =
Disproportionatel 2/19/2024 2/27/2024
0.32
y Differing Vis A
Vis Change In Inventory to Turnover Ratio :
The Turnover Mar 2021 = 0.38
Change in Ratio = -15.79 %

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As On 12/03/2024

Amount in Lakhs.

Closure Remark

Closure Template
selection:Accumulation of
inventory is in tune with the
business expansion plans
Closure Remarks:

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 EWS SnapShot Report
As On 12/03/2024

Amount in Lakhs.

Trigger Name Trigger Reason

Current Ratio (Score = 8)Current Assets for Mar 2022 = 722.68Current Liabilities for Mar
2022 = 476.41Current Ratio for Mar 2022 = 1.52Current Assets for Mar 2021 =
581.38Current Liabilities for Mar 2021 = 303.11Current Ratio for Mar 2021 = 1.92Decline i

Note
Current Ratio (Score = 8)Current
Assets for Mar 2022 = 722.68
Current Liabilities for Mar 2022
= 476.41
Current Ratio for Mar 2022 =
1.52

Current Assets for Mar 2021 =

Current Ratio 581.38
Current Liabilities for Mar 2021
= 303.11
Current Ratio for Mar 2021 =
1.92

Decline in Current Ratio =

20.83%

Percentage Of Inward Cheques Returned To Total Inwards Cheques (Score = 8)Transactions

considered from 30/01/2024 to 29/02/2024Number of Inward Cheques Returned in Last 30
Days : 2 Cheques

Number Of Account_No. Amount Cheque_No. Date_of_return

Inward Cheque 09044015003837 1.28 142259 28/02/2024
Returns In Last
30 Days 09044015003837 8.53 142248 28/02/2024

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06:36:13:PM
 EWS SnapShot Report
As On 12/03/2024

Amount in Lakhs.

Trigger
Close Date Closure Remark
Generated Date

Closure Template
selection:The same is within
2/19/2024 2/27/2024 the acceptable limits as
approved by competent
authority Closure Remarks:

Payee SI.no.
1 3/1/2024
2

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06:36:13:PM
 EWS SnapShot Report
As On 12/03/2024

Amount in Lakhs.

Trigger
Trigger Name Trigger Reason
Generated Date

Delay In Submission Of Stock Statement (SME and Corporate/Mid-corporate) (Score = 8)

Delay In
Submission Of Account_ID Due_Date Previous_Collateral_ID
Stock Statement 09044015003837 06/11/2023 66337363 3/5/2024
(SME and
Corporate/Mid- 09044015003837 06/11/2023 66337362
corporate)

No. Of Consecutive Months Of Decline In Credit Summation (Score = 8)Month-wise Credit

SummationsTransaction data considered from 01/03/2023 To 29/02/2024

Current_Amount Current_Month Previous_Amount Previous_Month

Number Of 24.72 Nov 2023 112.63 Nov 2023
Consecutive
Months With 86.52 Dec 2023 78.54 May 2023 3/5/2024
Decline In Credit- 73.46 Jun 2023 132.26 Jun 2023
Debit Summation
112.63 Jul 2023 73.46 Oct 2023

Report Run Date/Time : 13/03/2024 Page No. 12 of 13

06:36:13:PM
 EWS SnapShot Report
As On 12/03/2024

Amount in Lakhs.

Close Date Closure Remark

Report Run Date/Time : 13/03/2024 Page No. 13 of 13

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