CREDIT APPRAISAL MEMORANDUM

M/s Precision Auto Components Name of Borrower Branch Name Product Name of RM Name of Branch Head Sourcing Details Nature of Client Relationship Name of the Customer Constitution of the Customer Date of Incorporation (Business start date) No. of years since business Industry Main Line of Business Registered Office address with Contact detail Address: Plot No. 49-50, Shiv Colony, Sector-22, Faridabad Email id: Phone No: Address: Email id: Phone No: Auto Mobile Industry M/s Precision Auto Components Faridabad IGL Rohit Pratap Singh Mr Dharmendra Singh Dealer (Lokesh) New M/s Precision Auto Components Partnership 04-09-2006

Corporate Office address with contact detail

Any External Credit Rating

Name of RM / Date

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CREDIT APPRAISAL MEMORANDUM

M/s Precision Auto Components Name of Promoter/ Partner/ Director with educational qualification, address and contact details 1) Name of promoter : Mr Jitendra Bharti Relation with main promoter: Self Designation: Partner Age: Educational Qualification: Residence Address: Landline No: Mobile No:9910293300 Email-id: jitender@precisionautocomponents.com

2) Name of promoter : Mr Rajbir Bhadana Relation with main promoter: Self Designation: Partner Age: Educational Qualification: Residence Address: Landline No: 9910238007 Mobile No: Email-id: rajbir@precisionautocomponents.com

PROFILE OF CUSTOMER & BUSINESS MODEL 1. COMPANY HISTORY: a) Date of Incorporation/ date of starting the business: 04-09-2006 b) Persons who started the company: Mr Jitendra Bharti & Mr Rajbir Bhadana c) Nature of Business commenced at the time of incorporation: d) History & Reason of Entering in to this Business:

e) Business in current scenario f) Awards/Special Recognition/ Certificates

2.

ORGANISATION STRUCTURE & CONTROL SYSTEMS Mr Jitendra Bharti Mr Rajbir Bhadana Page 2

Main Promoter Second line in Promoters Name of RM / Date

CREDIT APPRAISAL MEMORANDUM

M/s Precision Auto Components Decision Making Powers Number of Employees 3. PRODUCTS/ SERVICES OFFERED: Both

4. MARKETING & SALES MECHANISM: 5. MANUFACTURING PROCESS: a) Raw Material : b) Production Process: 6. INFRASTRUCTURE: a) Factory detail: S No. 1 Factory/Office address Ownership Area Comments on Set up Good Setup Plot No. 49-50, Shiv Rented Colony, Sector-22, Faridabad b) Details of Machines Type of Machinery

S No.

Quantity

c) Total investment in P&M(approx): 39.28 Lacs

d) Power back up details KVA: e) Actual Number of Employees: 1. Office staff: 2. Worker (On roll & Contractual) :

7. PRODUCTS/ SERVICES ANALYSES : S No: Name of RM / Date Produce Name % of Turnover Page 3

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M/s Precision Auto Components

8. CUSTOMER ANALYSIS: S. N Customer Name & Location Services Offered Length of Relationship %age of Sales Credit Period

Industry

9. SUPPLIER ANALYSIS: S N Length of Relationship %age of Purchase Credit Period(in days)

Suppliers Name

Product Purchased

10. COMPETITORS:

11. CLIENTS OF INTEC CAPITAL IN SAME LINE OF BUSINESS & AREA: a) Name b) Name 12. FINANCIAL ANALYSIS a) Shareholding Pattern
S No Name of shareholder Relationship with promoter No. Of Share % of shareholding

Name of RM / Date

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M/s Precision Auto Components

TOTAL

100%

b) Real Estate Position of Promoters

Details of Fixed Assets Owned by the Applicant/ Promoter/ Partner (only those extending Corporate Guarantee) Size of Residential/com property Rate Value encumbranc Property address Owned By mercial/agricult (In Sq Rs. (in Lacs) es ural/Trust Yds)

Total

c) Current years expected results and till date achievement. Expected Turnover in current year post March Sales till date Expected sales for the current year Orders in hand Amt in Lakhs Supporting Doc

Past Financial Performance : FINANCIALS Sales/ Turnover/ Receipts EBIT Interest & Finance Charges Depreciation Tax
31/3/11(P) 31/3/10 31/3/09

COMMENTS

Name of RM / Date

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M/s Precision Auto Components

Net Profit Profit Margin % Debtors turnover ratio (in month) Creditors turnover ratio (in month) Inventory turnover ratio (in months) Current Ratio Debt Equity ratio (in times) DSCR (in times) Outside liability/owners equity (TOL/TNW) EBITA / TOI (%)

13. GROUP COMPANIES (if any): Name of the Company Address Constitution Nature of business Name of promoters Turnover

14. PROFILE OFCORPORATE GAURANTOR: 1) 2) 3) Profile : Business : Financials:

15. DETAIL OF EXISTING EXPOSURE WITH ICL:

Account No Date of Disbursement Product Gross Loan Amt. Rs. (In Lacs) Tenor EMI Amt Exposure on date (Net) ETR/ GTR/PTR

Name of RM / Date

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16. DETAIL OF WORKING CAPITAL ARRANGEMENT:

Details of working capital facility (CC/OD/Bill discounting /factoring/BG/LC) from banks Nature of Current Amount Rate of Name of bank Facility (BG, outstanding (in Lacs) interest LC, CC) (in Lacs) Account Status (Active / Non Active)

Total

17. OTHER LOANS DETAIL:

Loan Name of Bank Nature of Loan Amount (Rs. in Lacs) POS (Lacs) Starting Date Tenor EMI Amount (Rs) No. Of Bounce in 6 months

TOTAL MNTHLY EMI

18. RELATIONSHIP MANAGER VISIT DETAIL Details of Customer Visit Report by Relationship Manager Date, time and place of Visit Location of the place/ How to Reach Meeting with Locality Size of Premises Name of RM / Date Page 7

CREDIT APPRAISAL MEMORANDUM

M/s Precision Auto Components Distance from HO/ BO Premises used for No. of years in the same premises Ownership of Premises Sharing Premises with Group Entities Set up Current Machinery Stock Position Man Power Seen Key Discussion Done

Other Observations

Working was on or not: Any Creditor call for payment: Any bank recovery person seen at site: Other financier approaching for funding: Interest of Promoters in business: Knowledge status of person met: Will Client agree on our rate or not: Need of the client: Attitude on information disclosure: Ambience of the premises:

End Use Detail

19. DEAL PROPOSAL Transaction Structure Amount of Loan Type of Loan Tenure of Loan

Name of RM / Date

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CREDIT APPRAISAL MEMORANDUM

M/s Precision Auto Components Upfront Margin Management Fees Advisory Fees IRR No of EMI Security Personal Guarantee (With /Without SPDC detail) Corporate Guarantee (with SPDC Qtr/Half/Yearly detail) Asset Details Plant & Machinery Details S No 1 Mode of Payment Expected date of Disbursement NA Machine Detail Cost (in Lacs) NA Vendor Name NA Adv Paid (in Lacs) NA-

Directly to Client Immediately after approval

Recommendation of relationship manager.

Name

Name of RM / Date

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Recommendation of Branch head/Regional head/Zonal Head

Name

Name of RM / Date

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