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1. Proof of Identity : Voter’s ID Card/ Passport/ Driving License/ Pan Card/ Signature identification from
present bankers of proprietor, partner of director (if a company)(not mentioned at 26 A above)
2. Proof of residence: Recent telephone bills, electricity bill, property tax receipt
/Passport/ voter’s ID card of Proprietor, partner or Director (if a company)
3. Proof of business Address (The list differs from 26 B above)
4. Applicant should not be defaulter in any Bank/F.I.
5. Last three years balance sheets of the units along with income tax / sales tax returns etc. (Applicable for
all cases from Rs.2 lakh and above) However, for cases below fund based limits of Rs.25 lakh if audited
balance sheets are not available, then un audited balance sheets are also acceptable as per extant
instructions of the bank. **
6. Memorandum and articles of association of the Company / Partnership Deed of partners etc.
7. Assets and liabilities statement of promoters and guarantors along with latest income tax returns.
8. Rent Agreement (if business premises on rent) and clearance from pollution control board if applicable.
9. SSI / MSME registration/Udyog Aadhar Registration if applicable.
10. Projected balance sheets for the next two years in case of working capital limits and for the period of the
loan in case of term loan (For all cases of Rs.2 lakh and above).
11. In case of takeover of advances, sanction letters of facilities being availed from existing bankers/
Financial Institutions along with detailed terms and conditions.
12. Photocopies of lease deeds/ title deeds of all the properties being offered as primary and collateral
securities.
13. Position of accounts from the existing bankers and confirmation about the asset being standard with
them. (In case of takeover).
14. Copy of VAT return if applicable.
** To enforce discipline and ascertain true financial position, no credit proposals (except schematic lending)
above Rs.10 lakh from individual/firms shall be entertained without audited financials
For Cases With Exposure Above Rs.25 Lakhs
15. The audited balance sheets are necessary.
16. Profile of the unit (includes names of promoters, other directors in the company, the activity being
undertaken addresses of all offices and plants, shareholding pattern etc.
17. Last three years balance sheets of the Associate / Group Companies (if any).
18. Project report (for the proposed project if term funding is required) containing details of the machinery to
be acquired, from whom to be acquired, price, names of suppliers, financial details like capacity of
machines, capacity of utilization assumed, production, sales, projected profit and loss and balance sheets
for the next 7 to 8 years till the proposed loan is to be paid, the details of labour, staff to be hired, basis of
assumption of such financial details etc.
19. Review of account containing month wise sales (quantity and value both), production (quantity and value),
imported raw material (quantity and value), indigenous raw material (quantity and value), value of stocks
in process, finished good (quantity and
value), debtors, creditors, bank’s outstanding for working capital limits, term loan limits, bills discounted.
20. Manufacturing process if applicable, major profile of executives in the company, any tie-ups, details about
raw material used and their suppliers, details about the buyers,
details about major-competitors and the company’s strength and weaknesses
as compared to their competitors etc.
.
(The check list is only indicative and not exhaustive and depending upon the local requirements at
different places addition could be made as per (necessity).
Data /information mentioned a point no. 17,18,19 may be sought from unit requesting limit of Rs. 50 lacs
and above.
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