DETAILED PROJECT REPORT
Proposal
for Term loan of Rs…… lakh and Working Capital Limit of Rs…….lakh
for setting up a new project for manufacture of ………..
I. INTRODUCTORY,
PROMOTERS AND MANAGEMENT
1. Particulars of the Enterprise
|
1.1
|
Name of the
|
|
|
1.2
|
Constitution (Proprietorship/ Partnership/ Pvt. Ltd. Company/ Public
Limited Company/ Limited Liability Partnership/ Cooperative Society
|
|
|
1.3
|
MSME Status
|
|
|
1.4
|
MSME Registration No./
Date of Registration
|
|
|
1.5
|
Date of incorporation / commencement of business
|
|
|
1.6
|
ROC Number, if applicable
|
|
|
1.7
|
Address
|
|
|
Registered Office:
|
|
|
|
Administrative Office
|
|
|
|
Factory
(Whether backward area)
|
|
|
1.8 Industry
Status
|
Industry
|
Products
|
Installed Capacity
|
No of days / Shifts
|
End uses
|
Export orientation
|
|
|
|
|
|
|
|
2. Promoters:
2.1. Brief bio-data of the promoters:
Brief
background of promoters may be furnished as under. Write up on other companies,
if any, promoted by them with which they are associated.
|
Name of the promoter
|
|
|
|
|
Father’s/ Husband’s name
|
|
|
|
|
Age (years)
|
|
|
|
|
Residential Address
|
|
|
|
|
Educational Qualification
|
|
|
|
|
Passport No., valid till, place of issue
|
|
|
|
|
Permanent Account Number
|
|
|
|
|
Relationship with the chief promoter
|
|
|
|
|
Experience in what capacity/ industry/ years
|
|
|
|
|
Networth as on………………….
|
|
|
|
|
Income Tax / Wealth Tax Status
|
|
|
|
|
Other concerns interest / in which capacity / financial stake
|
|
|
|
Detailed biodata
may be furnished as per APPENDIX I and networth statement of promoters
and guarantors may be furnished as per APPENDIX II.
2.2 Brief
financial position / working results of each associate concern
Brief financial position/ working results of the
associate concern(s) for the past …. years is furnished below:
(Rs. lakh)
|
Name of
the Concern/ Location/ Established in
|
Product
|
Year/ Period
|
Sales
|
Net
Profit
|
Net
worth
|
|
|
|
|
|
|
|
|
|
|
|
|
||
|
|
|
|
|
Details of associate concern(s) may be given as per APPENDIX III.
2.3 Brief history
Brief
history of the unit may be given.
3. Management and Proposed
shareholding pattern:
3.1 Management:
Brief comments on the
management be given.
3.2 Proposed Shareholding
Pattern:
The authorised share capital of the company is Rs….. lakh. The
shareholding pattern of the company is given below:
|
S.No
|
Name of the Directors
(S/Shri)
|
No. of shares
|
Shareholding
|
|
|
Rs. lakh
|
%
|
|||
|
1
|
|
|
|
|
|
2
|
|
|
|
|
|
3
|
|
|
|
|
|
4
|
|
|
|
|
|
Total
|
|
|
|
100
|
OR
The unit is a partnership firm. The profit/loss of the firm shall be
shared by the partners in the following proportion:
|
S.No
|
Name of the Partners
(S/Shri)
|
Percentage (%) in
case of profit / loss
|
|
1
|
|
|
|
2
|
|
|
|
3
|
|
|
|
Total
|
100.00
|
|
II. TECHNICAL ASPECTS
4.1 Scope of the project:
Briefly mention scope of the project i.e. what the
project is supposed to accomplish to deliver a product or service with the
specified features and functions.
4.2 Location-availability of
infrastructural facilities:
Locational advantages of premises with reference
to absence of civic restrictions, proximity to the source of raw materials,
market for the product, availability of power, water, labour and transport may
be mentioned. Whether backward area benefits, if any, available.
4.3 Technology:
Selection of
technology, comments on alternative production process, comments on technology
(latest/ appropriate/ proven). Discuss the impact of possible changes in
technology in future. Indicate technical process whether it is a continuous
process. In case of technical collaboration, please furnish a brief write-up on
the period of collaboration agreement, the name of the collaborator company,
indicating the activities, size, turnover, particulars of the existing plants,
and other projects in India
4.4 Raw
materials/components:
Details of raw material required and their sources
may be indicated.
4.5 Utilities
4.5.1 Power:
Requirement of power depending upon plant and
machinery and its availability from State Electricity Board may be mentioned.
Back-up arrangement of power by way of DG Set may also be furnished.
4.5.2 Water:
Requirement of water for process/ human
consumptions and its availability from Municipality/ bore well may be
mentioned.
4.5.3 Fuel:
Details of fuels required depending upon
production process and its arrangement of supply may be mentioned.
4.5.4 Others
like steam/compressed air etc:
Details of steam/ compressed air required
depending upon production process and its arrangement in the project may be
mentioned. Capacity of boiler/ compressor may be furnished.
4.6 Effluent disposal:
Mention about whether the unit falls
under green, orange, red categories as per guidelines of State Pollution
Control Department. Type of pollutants generated under the process and pollution
control measures being taken in the project may be mentioned. Whether the unit
has applied/ will apply to State Pollution Control Department for getting
consent to establish.
4.7 Manpower:
The
requirement of proposed manpower in various cadres viz. executives, technical
persons, supervisors, administrative
staff, skilled and unskilled labours and their arrangements being made to be
commented upon keeping in view the location of the unit, industry etc.
4.8 Implementation schedule:
Based on the progress
already made and other arrangements made by the unit, the implementation
schedule for following may be mentioned.
|
Particulars
|
Date of
Commencement
|
Expected Date of
Completion
|
|
Acquisition of Land
|
|
|
|
Development of Land
|
|
|
|
Civil Works for
- Factory building
- Machinery foundation
- Administrative Building
|
|
|
|
Plant & Machinery
- Imported
- Indigenous
|
|
|
|
Arrangement for power
|
|
|
|
Arrangement for water
|
|
|
|
Erection of equipment
|
|
|
|
Commissioning
|
|
|
|
Initial Procurement of Raw Material
|
|
|
|
Trial Runs
|
|
|
|
Commercial Production
|
|
|
III. PROJECT COST AND MEANS OF FINANCE
5. The broad break-up of cost of project is as under:
(Rs. lakh)
|
S.No.
|
Particulars
|
Already
incurred
|
To be incurred
|
Total Cost
|
|
|
Firm
|
Non-firm
|
||||
|
1
|
Land and Site Development
|
|
|
|
|
|
2
|
Buildings
|
|
|
|
|
|
3
|
Plant & Machinery – Imported
|
|
|
|
|
|
Plant & Machinery – Indigenous
|
|
|
|
|
|
|
4
|
Miscellaneous Fixed Assets
|
|
|
|
|
|
5
|
Preliminary expenses
|
|
|
|
|
|
6
|
Preoperative expenses
|
|
|
|
|
|
7
|
Contingencies
|
|
|
|
|
|
8
|
Margin money for working capital
|
|
|
|
|
|
|
Total
|
|
|
|
|
5.1 Land and site
development:
Location, area, purchase price,
adequacy, availability for future expansion, comment if land acquired is in
proportion to requirement, whether Non-agricultural (NA) permission obtained,
freehold or leasehold, if leasehold, who owns, period of lease, whether lease
deed registered, whether mortgage of leasehold rights possible, period of lease
and adequacy thereof, price and reasonableness thereof, when acquired, land in
the name of whom, if not steps taken for transfer to the company, break-up of
site development cost viz. leveling & filling, internal roads, barbed wire
compound etc. and reasonableness thereof.
Details of site development required and cost may
be given in following table. It may be supported by the estimate from the
architect.
|
S. No.
|
Description of Building
|
Cost
(Rs. lakh)
|
|
(a)
|
Cost of leveling & development of
………..acres/ sq.mts. of land @ Rs……per acre/ sq. mt.
|
|
|
|
Cost
of laying roads
|
|
|
(b)
|
(i) Approach road connecting the
factory site to main road ……. running meters @ Rs……per rm.
|
|
|
(ii) Internal roads for the factory
……. running meters @ Rs……per rm.
|
|
|
|
(c)
|
Cost of fencing/ compound wall …….
running meters @ Rs……per rm.
|
|
|
(d)
|
Cost of ….. Gates
|
|
|
|
|
|
|
|
Total
Cost of Site Development
|
|
5.2 Buildings:
Details may be furnished in following table:
(Rs. lakh)
|
S. No.
|
Description of Building
|
Type of Construc-tion
|
Estimated Cost
(Rs. lakh)
|
Area
(sq. mts. or sq. fts.)
|
Cost. per sq. mt. or sq. ft.
(Rs.)
|
|
(a)
|
Factory building for the main plant
& equipment
|
|
|
|
|
|
(b)
|
Factory building for auxiliary services
like steam supply, water supply, laboratory, workshop etc.
|
|
|
|
|
|
(c)
|
Administrative building
|
|
|
|
|
|
(d)
|
Godowns, warehouses and open yard
facilities.
|
|
|
|
|
|
(e)
|
Misc. non-factory buildings like
canteen, guest house, time office, excise house etc.
|
|
|
|
|
|
(f)
|
Quarters for essential staff
|
|
|
|
|
|
(g)
|
Silos, tanks, wells, chest, basin,
cisterns, hoopers bins and other structures which are necessary for
installation of plant and equipment and which may be constructed in RCC and
such other structural civil engineering materials
|
|
|
|
|
|
(h)
|
Garages
|
|
|
|
|
|
(i)
|
Cost of Sewers drainage
|
|
|
|
|
|
(j)
|
Civil Engineering works not included
above
|
|
|
|
|
|
(k)
|
Architects’ fees
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total
Cost of Building
|
|
|
|
|
Please furnish the particulars of
Architect viz. name and address of the architect firm, scope of work, rates
quoted and detailed estimate of expenses, fee payable and manner in which
payable, time schedule, penalties, past experience of the architect in similar
work.
5.3 Plant and machinery – imported
& indigenous :
The
details of plant and machinery (imported & indigenous) proposed to be
acquired may be furnished in following table:
IMPORTED
(Rs. lakh)
|
S. No.
|
Name of Machinery and Specification
|
Quantity
|
Supplier
|
Unit Cost in Foreign Currency (CIF)
|
Foreign Currency
|
Exchange Rate
|
Total Cost (Rs. lakh)
|
Import Duty (%)
|
Import Duty (Amount)
|
|
1
|
|
|
|
|
|
|
|
|
|
|
2
|
|
|
|
|
|
|
|
|
|
|
3
|
|
|
|
|
|
|
|
|
|
|
4
|
|
|
|
|
|
|
|
|
|
|
5
|
|
|
|
|
|
|
|
|
|
|
6
|
|
|
|
|
|
|
|
|
|
|
7
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total Cost of Imported Machinery
|
|
|
|
|
|
|
|
|
INDIGENOUS
(Rs. lakh)
|
S. No.
|
Name of Machinery and Specification
|
Quantity
|
Supplier
|
Unit Cost in Rupees (Incl. taxes)
|
Total Cost (Rs. lakh)
|
|
1
|
|
|
|
|
|
|
2
|
|
|
|
|
|
|
3
|
|
|
|
|
|
|
4
|
|
|
|
|
|
|
5
|
|
|
|
|
|
|
6
|
|
|
|
|
|
|
7
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total
Cost of Indigenous Machinery
|
|
|
|
|
Basis of selection of the suppliers whether based
on recent competitive quotations or otherwise, reputation of suppliers and guarantees
regarding performance may be mentioned. In case of fabricated equipment, cost
should be reasonable and justifiable. In case of imported machinery, details of
customs duty may also be given. If second hand machinery, please enclose
valuation report regarding age, performance and value from an approved
chartered engineer. Also indicate reasons for going in for second hand
machinery. Separate mention may be made about towards transportation/ erection/
installation of plant and machinery. In case of imported machinery, details of
customs duty may also be given. Separate mention may be made about towards
transportation/ erection/ installation of plant and machinery.
If any consultant is engaged, following details
may be furnished:
(a) Name and address of the consultants
(b) Fees payable and the manner in which payable
(c) Scope of work assigned to them
(d) Brief
particulars of consultants including organisational set-up, bio data of senior personnel,
names of directors/ partners, particulars of work done in the past and work on hand.
5.4 Misc. fixed assets:
The details of miscellaneous fixed assets proposed
to be acquired may be furnished in following table.
(Rs. lakh)
|
S. No.
|
Name of MFA and Specification
|
Quantity
|
Supplier
|
Unit Cost in Rupees (Incl. taxes)
|
Total Cost (Rs. lakh)
|
|
1
|
|
|
|
|
|
|
2
|
|
|
|
|
|
|
3
|
|
|
|
|
|
|
4
|
|
|
|
|
|
|
5
|
|
|
|
|
|
|
6
|
|
|
|
|
|
|
7
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total
Cost of MFAs
|
|
|
|
|
Basis of selection of the suppliers whether based
on recent competitive quotations or otherwise, reputation of suppliers and
guarantees regarding performance may be mentioned.
5.5 Preliminary expenses:
Expenses before incorporation of the company may
be furnished in following table.
|
S. No.
|
Nature
of expenses
|
Rs. lakh
|
|
(a)
|
Brokerage & commission on capital
|
|
|
(b)
|
Other capital issue expenses (legal,
advertisement, printing stationary etc.)
|
|
|
(c)
|
Other preliminary expenses (company
flotation & other initial expenses)
|
|
|
|
|
|
|
|
Total
Preliminary Expenses
|
|
5.6 Pre-operative expenses:
Pre-operative expenses may be furnished in
following table.
|
S. No.
|
Nature
of expenses
|
Rs. lakh
|
|
(a)
|
Establishment
|
|
|
(b)
|
Rent, rate & taxes
|
|
|
(c)
|
Traveling expenses
|
|
|
(d)
|
Misc. expenses
|
|
|
(e)
|
Interest during construction period
|
|
|
(f)
|
Insurance during construction
including erection insurance
|
|
|
(g)
|
Mortgage expenses (stamp duty,
registration charges and other legal expenses) (….% on loan of Rs. …. lakh)
|
|
|
(h)
|
Upfront fee for sanction of term loan
|
|
|
(i)
|
Security Deposit with Electricity
Board and charges for power connection
|
|
|
|
|
|
|
|
Total
Pre-operative Expenses
|
|
5.7 Contingencies:
Contingencies may be related to non-firm cost on building, plant
& machinery and Misc. fixed assets.
5.8 Margin money for working
capital:
Margin money for working capital for first full
year of projections either based on Nayak Committee Method (upto working
capital limit of Rs.5 crore in respect of SSI units) or Second Method of
Lending may be mentioned.
6. Means of finance:
The proposed means of
finance is as under:
(Rs. lakh)
|
Sl No
|
Particulars
|
Amount already
raised
|
Amount proposed to
be raised
|
Total Amount
|
|
1
|
Share capital/ Partner’s Capital/ Proprietor’s
capital
|
|
|
|
|
2
|
Subsidy- Central/ State Government
|
|
|
|
|
3
|
Interest free unsecured loans
|
|
|
|
|
4
|
Term loan from Bank
|
|
|
|
|
|
Total
|
|
|
|
IV. ARRANGEMENTS
MADE/PROPOSED TO BE MADE FOR WORKING CAPITAL
7. Proposed arrangement for sanction of working
capital limit from Bank or own sources may be mentioned.
V. INDUSTRY/ MARKET AND
SELLING ARRANGEMENTS
8.1 Industry Overview and
Future Outlook:
Prospects of the industry may be mentioned here. Government
Policies and Regulations WTO related issues, Demand Supply
Scenario, Competitor Analysis etc. may be covered.
8.2 Marketing & Selling
Arrangements:
Details regarding main markets (locations), competitors, how
does the unit propose to meet the competition, how does the unit's product
compare with those of its competitors, any USP or specific market strength,
whether product has multiple applications, distribution channels (e.g. direct
sales, retail network, distribution network), Marketing team details, if any,
firm tie up, orders on hand, details of marketing study done, if any, may be
mentioned here.
VI. FINANCIAL VIABILITY
Detailed profitability
assumptions may be given as per APPENDIX IV. Detailed profitability
estimates, projected cash flow statements, projected balance sheet, break even
analysis, working capital computation, Debt Service Coverage Ratio and Internal
Rate of Return calculations may be prepared as per Excel file
(Profitability_Projections) and be attached as ANNEXURES I to XIV. Indicate
the critical assumptions and give meaningful comments on projected capacity
utilisation, selling prices assumed for finished products/ raw materials, gross
profit percentage compared to industry average, indicate the critical factors
on which viability depends.
VII. STRENGTH/ WEAKNESS
Such as market
standing, product/ service differentiation, technical expertise, infrastructure
facilities etc.
VIII. FINANCIAL ASSISTANCE
SOUGHT FROM BANK
Amount of term loan
and/ or working capital limit sought from the Bank may be mentioned. Repayment
period in respect of term loan sought from the Bank, including repayment
holiday may be mentioned.
IX. DETAILS OF
SECURITIES OFFERED TO THE BANK
(a) Primary (working capital and term
loan securities to be indicated separately)
(b) Collateral (full details)
(c) Details of personal and corporate
guarantees, if any
Signature of the
Borrower
Date:
Place:
List of Enclosures
|
APPENDIX I
|
Bio-Data of the
Promoter
|
|
APPENDIX II
|
Net worth
Statement of the Promoter
|
|
APPENDIX III
|
Details
of the associate concern (if applicable)
|
|
APPENDIX IV
|
Assumptions underlying
profitability estimates
|
|
ANNEXURE I
|
Cost of Project and Means of Finance
|
|
ANNEXURE II
|
Projections of Performance & Profitability
|
|
ANNEXURE III
|
Projected Cash Flow Statement
|
|
ANNEXURE IV
|
Projected Balance Sheet
|
|
ANNEXURE V
|
Calculation of Margin Money for WC & Assessment of WC
|
|
ANNEXURE VI
|
Calculation of Depreciation
|
|
ANNEXURE VII
|
Calculation of Interest on Term Loan from Bank
|
|
ANNEXURE VIII
|
Break Even Point
|
|
ANNEXURE IX
|
DSCR
|
|
ANNEXURE X
|
Calculation of IRR & NPV
|
|
ANNEXURE XI
|
Cost of Capital
|
|
ANNEXURE XII
|
Return on Capital Employed
|
|
ANNEXURE XIII
|
Tax Provision
|
Other Documents
|
1
|
Audited Financial statements for the last three years of
all the associate concerns of the applicant unit (if applicable)
|
|
2
|
Certified copy of Memorandum and Articles of Association/
Certificate of Incorporation/ Certificate of Commencement of business/
Partnership Deed/ Trust Deed/ Bye-laws/ Registration Certificate from
Registrar of firms/ Societies, as the case may be.
|
|
3
|
IT/ Wealth Tax assessment orders/ returns/ certificates for
the last 3 years in the respect of the promoters.
|
|
4
|
Photocopy of PAN card of all the promoters/ directors/
guarantors
|
|
5
|
Know Your Customer (KYC)* Documents of all the promoters/
directors/ guarantors.
|
|
6
|
Photograph of all the promoters/ directors/ guarantors with
signatures duly certified by their bankers/ as per extant guidelines
|
|
7
|
MSME registration certificate
|
|
8
|
Collaboration agreement, if applicable
|
|
9
|
Agreement with Technical consultants, if any
|
|
10
|
Title Documents such as
|
|
11
|
Govt. order/ permission converting the land into industrial
land, if required.
|
|
12
|
Agreement with the electricity board for sanction of
requisite power load
|
|
13
|
No objection certificate/ Consent to establish obtained
from the pollution control board
|
|
14
|
Orders/ enquiries in hand for the output of the proposed
project
|
|
15
|
Invoices/ quotations for each item of plant & machinery
and miscellaneous fixed assets proposed to be purchased under the project
alongwith a write up on the technical specifications, advantages, etc. of the
machinery.
|
|
16
|
Detailed estimates for civil construction with bio-data of
the builder/ architect.
|
|
17
|
In-principle letter of sanction for working capital
assistance to the applicant unit given by a Bank.
|
|
18
|
In case some portion of the expenditure has already been
incurred, please furnish necessary proofs (cash receipts) alongwith a CA
certificate with regard to sources of finance, items of expenditure, etc.
|
|
19
|
In case the applicant unit has been promoted by a Company,
please furnish Memorandum and Articles of Association and Audited Balance
Sheet and Trading and Profit & Loss A/cs for the past three years of the
promoter company
|
* Please refer to Page No.21-24 for KYC Documents
APPENDIX I
Bio-Data of the Promoter
Details of Proprietor/ Partners/ Managing
Partner/
Promoters/ Directors/ Managing Director
(Please indicate inter-relationship, if
any, among the partners/ directors/ promoters)
|
Full Name
|
|
|
Name of the Father/
Husband
|
|
|
Relationship with
the chief promoter:
|
|
|
Residential Address
|
|
|
State
|
|
|
Tel. No.
|
|
|
Mobile No.
|
|
|
Permanent Address
|
|
|
Personal Details :
|
|
|
Age
|
|
|
Sex
|
|
|
Academic
Qualification
|
|
|
Passport No., Place
of issue, Validity Period
|
|
|
PAN Card No., Date
of Issue
|
|
|
IT/ Wealth Tax
Status
|
|
|
Mention, if belongs
to Scheduled Castes/ Scheduled Tribes/ Minority Community)
|
|
|
Mention, if
Ex-serviceman
|
|
|
Mention, if first
generation entrepreneur
|
|
|
Experience in
similar line of activity
|
|
|
Experience in any
other line of activity
|
|
|
Functional
responsibilities in the unit
|
|
|
Share Holding in the
unit (existing)
|
|
|
Share Holding in the
unit (proposed)
|
|
|
Any other relevant
information
|
|
Contd….
APPENDIX I (Contd.)
If associated as proprietor/ partner/ director/ shareholder
with firms other than the applicant unit, please furnish Name and address of
the branch/ associates/ identical firms (details to be furnished separately)
|
Name of unit
|
Capacity in which associated
|
Address of the unit
|
Dealing Bank details (Name & Address)
|
|
|
|
|
|
Details of credit facilities enjoyed with
other banks in personal capacity
|
Type of facility
|
Dealing Bank details (Name and Address)
|
Account Number
|
Amount of facility
|
Outstanding Balance
|
Rate of Interest (%)
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Date : Signature
_________________________________________________________________________________
Bio-data
of each promoter director to be furnished in the above format.
APPENDIX II
Net worth Statement of the Promoter
(All Amounts in Rs. lakh unless otherwise specified)
|
1
|
Name
|
|
|
2
|
Address:
|
|
|
|
Residential
|
|
|
|
Office
|
|
3(a) DETAILS OF
ASSETS
|
(i)
|
Cash on hand
|
|
|
(ii)
|
Bank Balance
|
|
|
(iii)
|
Stock in trade
|
|
|
(iv)
|
Details of other securities like Govt bond/
Shares
|
|
|
(v)
|
Investment in business
|
|
|
(vi)
|
Others
|
|
|
|
Total
|
|
3(b) IMMOVABLE
PROPERTIES
|
Sl. No.
|
Location & Address
|
Type of property (Agri./ Industrial/ Residential
etc.
|
Area/ Extent
|
Self/ Ancestral
|
Value (Rs. lakh)
|
Details of encumbrances
|
|
(i)
|
|
|
|
|
|
|
|
(ii)
|
|
|
|
|
|
|
|
(iii)
|
|
|
|
|
|
|
|
Total
|
|
|
||||
Note : Basis of valuation may
be indicated.
3(c) LIABILITIES
|
Sr. No.
|
Borrowings from
|
Secured by
|
Amount still to be paid
|
|
(i)
|
|
|
|
|
(ii)
|
|
|
|
|
(iii)
|
|
|
|
|
Total liabilities
|
|
||
4. SUMMARY
|
Value of liquid assets
|
|
|
Value of immovable properties
|
|
|
Total Assets
|
|
|
Less: Total Liabilities
|
|
|
Net Assets
|
|
|
Profit in Business
|
|
|
|
|
Note : Guarantees/acceptances
given to banks may also be indicated.
I declare that
the above particulars are true to the best of my knowledge and belief.
Place :
Date : Signature
_________________________________________________________________________
Net worth statement of all
promoter directors to be furnished in the above format
Mention if
any Government enquiry, proceedings or prosecution has been instituted against
the promoters/ directors for any offenses? if yes, please give details.
Please
indicate whether any of the promoters or directors have at any time declared
themselves as insolvent.
APPENDIX III
Details of the
associate concern
|
Name
of associate concern
|
|
|
Address
|
|
|
Nature
of activity/ product
|
|
|
Location
|
|
|
Established
in
|
|
|
Names
of the promoters who are interested in associate concern (pl indicate in what
capacity) and their financial stake
|
|
Financial Position
and Working Results
|
|
FY……
|
FY……
|
FY…….
|
|
Share capital
|
|
|
|
|
Reserves & surplus
|
|
|
|
|
Net worth
|
|
|
|
|
Total income
|
|
|
|
|
Gross profit
|
|
|
|
|
Interest
|
|
|
|
|
Depreciation
|
|
|
|
|
Net profit
|
|
|
|
Dealing with Bank
|
Dealing
bank details (Name, Address etc.)
|
Date
of sanction/ last renewal
|
Purpose
of loan
|
Amount/
Limit sancti-oned
|
Details
of Security (incl. collateral, if any) and Value
|
Outstanding
as on date
|
Interest
Rate (%)
|
Defaults
(if any)
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Associate
Concern: B
Associate
Concern: C
APPENDIX IV
Assumptions underlying profitability estimates
|
Sr. No.
|
Particulars
|
Assumptions
|
|
1
|
The
project would commence commercial operation from ---------------- and would
operate --------- days a year on ------ shift basis.
|
|
|
2
|
Installed Capacity per
annum would be as under
|
Units/MTs
|
|
|
(i) Product I
|
|
|
|
(ii) Product II
|
|
|
|
(iii) Product III
|
|
|
3
|
The capacity utilisation
has been assumed as under
|
Percentage
|
|
|
FY.. (Ist yr)
|
|
|
|
FY.. (2nd yr)
|
|
|
|
FY.. (3rd yr)
|
|
|
|
FY.. (4th yr) onward
|
|
|
4
|
The selling prices have
been assumed as under
|
Rs. per Kg/ MT
|
|
|
(i) Product I
|
|
|
|
(ii) Product II
|
|
|
|
(iii) Product III
|
|
|
5
|
The raw material prices
have been assumed as under
|
Rs. per Kg/ MT
|
|
|
(i) Raw Material A
|
|
|
|
(ii) Raw Material B
|
|
|
|
(iii) Raw Material C
|
|
|
6
|
Power
consumption is estimated at --------- KVA. Power tariff from Electricity
Board has been assumed at Rs….. per KW.
|
|
|
7
|
Fuel
consumption is estimated at ----------------and charges per unit has been
estimated at Rs. ------------.
|
|
|
8
|
Repairs
and maintenance have been assumed at …. % of building, …% of Plant &
Machinery and % of MFAs with ….% percentage increase every year
|
|
|
9
|
Selling
expenses have been assumed at --% of
net sales.
|
|
|
10
|
Administrative
expenses have been assumed at --% of
net sales.
|
|
|
11
|
Interest
rates for the term loan and working capital have been assumed at …% and ….%
respectively.
|
|
|
12
|
Depreciation
has been provided for on straight line method for Profitability estimates and
Written Down Value method as per Income Tax Rates for Tax purpose.
|
|
|
13
|
Working capital has been
computed based on Nayak Committee Method or Second Method of Lending.
|
|
The
above format is a sample one which will vary depending on type of industry,
product etc.
KYC Documents
|
Features
|
Documents for
identity proof
|
Documents for proof
of correct permanent address
|
|
(I)
Accounts of Individuals
(a)
Legal name and another name used
(b)
Current address and contact telephone / mobile numbers
and e-mail address, if any.
|
1)
Passport
2)
PAN card
3)
Voter’s Identity Card
4)
Valid driving license
5)
Photo Identity card (subject to the Bank’s
satisfaction)
6)
Photo credit card
7)
Letter from a recognized public authority or public
servant verifying the identity and residence of the customer to the
satisfaction of the Bank.
(any one of the above document to the
satisfaction of the Bank alongwith a recent passport size photographs)
|
1)
Latest telephone bill
2)
Latest certified original bank account statement.
3)
Letter from any recognized public authority
4)
Latest electricity bill.
5)
Ration card
6)
Latest certified original demat account statement.
7)
Letter from employer from corporates and other entities
of repute (subject to satisfaction of the Bank)
(any
one of the above document to the satisfaction of the Bank)
|
|
(II)
Accounts of Proprietorship concerns
(a)
Proof of the name, existence, mailing address and
activity of the concern and
(b)
Proof of the name and address of the proprietor.
(c)
Telephone /mobile / fax numbers / e-mail address of the
concern and the proprietor, if any.
|
1)
Registration certificate (in case of a registered
concern)
2)
Certificate/license issued by the Municipal authorities
under Shops & Establishment Act
3)
Sales and income tax returns
4)
CST/VAT certificates
5)
Certificate/registration document issued by Sales Tax /
Service Tax / Professional Tax authorities
6)
License issued by the Registering authorities like
Certificate of Practice issued by Institute of Chartered Accountants of
India, Institute of Cost Accountants of India, Institute of Company
Secretaries of India, Indian Medical Council, Food and Drug Control
Authorities, etc.
7)
Registration/licensing document issued in the name of
the proprietary concern by the Central Government or State Government
Authority / Department
8)
IEC (Importer Exporter Code) issued to the proprietary
concern by the office of DGFT.
(Any two of the above documents would
suffice. These documents should be in the name of the proprietary concern).
9)
Any document, as given above for accounts of
individuals, to identifying the proprietor, viz.
(1) Passport, (2) PAN card, (3) Voter’s
Identity Card, (4) Driving license, (5) Photo Identity card (subject to the
Bank’s satisfaction), (6) Photo credit card, (7) Letter from a recognized
public authority or public servant verifying the identity and residence of
the customer to the satisfaction of the Bank.
|
(All the following documents to be
obtained)
1)
Latest telephone bill / utility bill in the name of the
concern / proprietor.
2)
Any document, as given above for accounts of
individuals, for address proof of the proprietor, viz. (1) Latest telephone
bill, (2) Latest certified original bank account statement, (3) Letter from
any recognized public authority, (4) Latest electricity bill, (5) Ration
card, (6) Latest certified original demat account statement, (7) Letter from
employer from corporates and other entities of repute (subject to satisfaction
of the Bank).
|
|
(III)
Accounts of Partnership Firms
(a)
Name, existence and legal status
(b)
Mailing address of the firm
(c)
Object Clause
(d)
Ownership and control structure
(e)
Names of all
partners and their addresses
(f)
Names of Authorized signatories and their addresses
(g)
Telephone / mobile / fax numbers / e-mail addresses of
the Firm / its Partners / Authorized Signatories
|
(All
the following documents to be obtained)
1) Registration
certificate, if registered
2) Partnership deed
3)
Power of Attorney granted to a partner or an employee
of the firm to transact business on its behalf.
4)
Identification of authorized signatories should be
based on photographs and signature cards duly attested by the firm/their
banker.
5)
Any document, as given above for accounts of
individuals, identifying the partners and the persons holding the Power of
Attorney, viz. (1) Passport, (2) PAN card, (3) Voter’s Identity Card, (4)
Driving license, (5) Photo Identity card (subject to the Bank’s
satisfaction), (6) Photo credit card, (7) Letter from a recognized public
authority or public servant verifying the identity and residence of the
customer to the satisfaction of the Bank.
6) Copy of PAN
allotment letter in the name of the firm / PAN proof.
Additional
document to be obtained in case of Medium & high risk customers
7)
Any business registration document / certificate –
Shops and Establishment Registration / Sales Tax Registration / Service Tax
Registration / Factory Registration / SEBI Registration.
|
(All the following documents to be
obtained)
1)
Latest telephone bill / utility bill in the name of
firm/partners.
2)
Any document, as give above for accounts of
individuals, for address proof of each of the partners and the persons
holding the power of attorney, viz. (1) Latest telephone bill, (2) Latest
certified original bank account statement, (3) Letter from any recognized
public authority, (4) Latest electricity bill, (5) Ration card, (6) Latest
certified original demat account statement, (7) Letter from employer from
corporates and other entities of repute (subject to satisfaction of the
Bank).
|
|
(IV)
Accounts of companies
a)
Name of the company, existence and legal status
b)
Principal place of business
c)
Mailing address of the company
d)
Object Clause
e)
Ownership and control structure
f)
Power to borrower / offer security
g)
Names of all Directors / principal functionaries / main
promoters and their addresses
h)
Names of authorized signatories and their addresses
i)
Telephone / mobile / fax number / e-mail addresses of
the Company / its Directors/ Authorized Signatories
|
(All
the following documents to be obtained)
1)
Certificate of Incorporation and Memorandum &
Articles of Association
2)
Certificate of commencement of business.
3)
List of Directors and the Form 32 supporting their
director status.
4)
Resolution of the Board of Directors to open the account / make the investment / avail the
facility and identification of those who have authority to operate the
account and identification of those who have authority to accept the facility
on behalf of the company through resolution.
5)
Power of Attorney, if any, granted to its managers /
officers / employees to transact business on its behalf.
6)
Identification of authorized signatories should be
based on photographs and signature cards duly attested by the company / their
banker.
7)
Any document, as given above for accounts of
individuals, for identity proof of the chairman, managing director & all
other directors, authorized signatories, viz. (1) Passport, (2) PAN card, (3)
Voter’s Identity Card, (4) Driving license, (5) Photo Identity card (subject
to the Bank’s satisfaction), (6) Photo credit card, (7) Letter from a
recognized public authority or public servant verifying the identity and
residence of the customer to the satisfaction of the Bank.
8)
Copy of PAN allotment letter in the name of the Company
/ PAN proof.
|
(All
the following documents to be obtained)
1)
Telephone bill / utility bills in the name of the
company showing principal address / mailing address of the company as the
case may be.
2)
Any document, as given above for accounts of
individuals, for address proof of the chairman, managing director & all
other directors and authorized signatories, viz. (1) Latest telephone bill,
(2) Latest certified original bank account statement, (3) Letter from any
recognized public authority, (4) Latest electricity bill, (5) Ration card,
(6) Latest certified original demat account statement, (7) Letter from
employer from corporates and other entities of repute (subject to
satisfaction of the Bank).
|
