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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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