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 | | Link To: Union Million |
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| MSME Documentation |
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| Documentation |
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A. The existing units are expected to approach the bank with the following documents:
A.1 For Existing Units seeking WC facilities:
- Last 3 years audited balance sheet with notes on account & annexure
- Last 3 years audited profit & loss statement with notes on accounts & annexure
- Last 3 years IT returns
- Last 3 years balance sheet & profit & loss statement of associate / sister concerns
- CMA data
- Order book position / contracts / proof of demand
- Last sales tax assessment order
- Statutory clearance certificate
- Lead Bank assessment note in case of consortium finance.
- Details of Associate / Sister / Group Concerns with names, bankers, credit facilities enjoyed, present status etc.
- Details of Collaterals wherever applicable.
A.2 Additional documents required in case of take over account:
- NOC / status of the account
- Credit report from the existing bankers
- Statement of account for last 1 year.
A.3 Additional documents required for Term Loan / LC for capital goods application, if they are not included in project report:
- Cash flow statement for entire repayment schedule
- Fund flow statement for entire repayment schedule.
- Profitability projections and assumptions for entire repayment period
- Break-even analysis.
- IRR working
- DSCR working
- CA certificate for promoter's contribution
- Project: Report covering:
a) Details of cost of machinery, suppliers of machinery
b) Quotations / proforma invoices from suppliers
c) Installed capacity calculation
d) Raw material details & their availability
e) Market survey: viability reports from market, reports from associations
f) Project implementation schedule.
g)Status of various clearances required.
A.4 Additional documents required in case of factory building:
- Building approval plan
- Estimate from Architect
- Statutory clearances: Environment, pollution clearance, and other applicable clearances.
- Power & water sanction proof,
- Any other clearances like explosive license etc wherever applicable to different projects.
A.5 Additional documents required for raw material LC:
- Pattern of purchase
- Quantum & Value of import and domestic purchases.
- Import license
- Percentage of Total Purchase under LC
- Lead-time required
- DA period in case of DA LC
A.6 Additional details required in case of Bank Guarantee:
- Details of existing guarantees & facilities
- Bid bond / security deposit Details
B. In case of New Projects seeking TL & WC facilities Complete Project Report to be submitted including the following by the Entrepreneurs:
- Projected Balance Sheet for the entire repayment period,
- Projected P & L Account for the entire repayment period,
- Presumptions made in Projected Profitability Estimates
- Projected Cash Flow Statement for the entire repayment period,
- Projected Fund Flow Statement for the entire repayment period,
- Break Even Analysis
- DSCR Computation for the entire repayment period, with Average DSCR Calculation,
- IRR Computation,
- CA certificate for promoter's contribution
- IT return & personal Balance Sheet of the promoters & guarantors
- Bio data of Promoters / Directors
- Details of cost of machinery viz Name of Machine, Machine Capacity, Supplier of machinery, Quoted Value etc.
- Estimates of Construction by Architect / Chartered Engineer.
- Copies of Various Basic / Statutory Approvals to establish the unit & to run the activity.
- Installed capacity calculation
- Raw material details & their availability
- Market survey: viability reports from market, reports from associations
- Project implementation schedule.
- Market Demand & Market Arrangements
- Details of Collaterals wherever applicable.
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