A. The existing units are expected to approach the bank with the following indicative 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 GST 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 indicative documents 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 promoter's & guarantors
• Bio data of Promoter's / 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.
  

C.MSME Certificate or Incorporation Certificate not mandatory for opening of current account for Micro Enterprises