CGTSI Internet User Manual App Processing

Satyam Computer Services Limited CGTSI
Credit Guarantee Fund Trust for Small Industries
Organisation wide IT Systems
Internet User Manual Document

(Application Processing module)
Version No. 3.0
Satyam Computer Services Limited

_________________________________________________________________
Banking & Finance Vertical Business Unit

12. C. P. Ramaswamy Road, Alwarpet, Chennai 600 018, India.
Phone: 044 2498 3221 Fax: 044 2498 3108
03003821-Internet User Manual (Application) Version 3.0 Page 1 of 67

Organisation wide IT Systems
Internet User Manual Document

(Application Processing module)
Version No. 3.0
Prepared By Inspected/Reviewed By Approved By
NAME: Jayprakash Veldurai T Dhandapani
DESIGNATION: Module Leader Project Leader Project Manager
SIGNATURE:
DATE: October 19, 2004

Version Date Changed Changes Made

No. By
1.0 04th May Jayprakash Initial Version
2004
1.1 06th May Veldurai T Reviewed and modified wherever necessary.
6, 2004
27th Veldurai Customer feed back Incorporated
2.0 August
2004
19th Sowmya Included new screen s user manual
3.0 October
2004

5. Application Processing.................................................................................................... 6
5.1 Submit New Application ........................................................................................... 6
5.1.1 Bread crumb ....................................................................................................... 6
5.1.2 Screen Shot:........................................................................................................ 6
5.1.3 Description: ........................................................................................................ 9
5.1.4 Validations: ...................................................................................................... 13
5.1.5 Functionality .................................................................................................... 13
5.1.5.1 Screen Shot:................................................................................................... 14
5.2 Submit Working Capital Application.................................................................. 14
5.2.1 Bread crumb ..................................................................................................... 14
5.2.2 Screen Shot....................................................................................................... 14
5.2.3 Description ....................................................................................................... 15
5.2.4 Validations: ...................................................................................................... 15
5.2.5 Functionality..................................................................................................... 15
5.2.5.1 Screen Shot.................................................................................................... 15
5.3 Submit Composite Loan Application...................................................................... 15
5.3.1 Bread crumb ..................................................................................................... 15
5.3.2 Screen Shot....................................................................................................... 15
5.3.3 Description: ...................................................................................................... 15
5.3.4 Validations: ...................................................................................................... 15
5.3.5 Functionality..................................................................................................... 15
5.3.5.1 Screen Shot.................................................................................................... 15
5.4 Submit Both TL and WC Application..................................................................... 15
5.4.1 Bread crumb ..................................................................................................... 15
5.4.2 Screen Shot....................................................................................................... 15
5.4.3 Description: ...................................................................................................... 15
5.4.4 Validations: ...................................................................................................... 15
5.4.5 Functionality..................................................................................................... 15
5.4.5.1 Screen Shot.................................................................................................... 15
5.5 Additional Term Loan Application ......................................................................... 15
5.5.1 Bread crumb ..................................................................................................... 15
5.5.2 Screen Shot....................................................................................................... 15
5.5.3 Description: ...................................................................................................... 15
5.5.4 Validations: ...................................................................................................... 15
5.5.5 Functionality..................................................................................................... 15
5.5.5.1 Screen Shot.................................................................................................... 15
5.5.6 Functionality..................................................................................................... 15
5.5.6.1 Screen Shot.................................................................................................... 15
5.5.7 Description: ...................................................................................................... 15
5.5.8 Validations: ...................................................................................................... 15
5.5.9 Functionality..................................................................................................... 15
5.6 Working Capital Enhancement Application ........................................................... 15
5.6.1 Bread crumb ..................................................................................................... 15
5.6.2 Screen Shot....................................................................................................... 15

5.6.3 Description: ...................................................................................................... 15

5.6.4 Validations: ...................................................................................................... 15
5.6.5 Functionality..................................................................................................... 15
5.6.5.1 Screen Shot.................................................................................................... 15
5.6.6 Functionality..................................................................................................... 15
5.6.6.1 Screen Shot.................................................................................................... 15
5.6.7 Description: ...................................................................................................... 15
5.6.8 Validations: ...................................................................................................... 15
5.6.9 Functionality..................................................................................................... 15
5.7 Working Capital Renewal Application ................................................................... 15
5.7.1 Bread crumb ..................................................................................................... 15
5.7.2 Screen Shot....................................................................................................... 15
5.7.3 Description: ...................................................................................................... 15
5.7.4 Validations: ...................................................................................................... 15
5.7.5 Functionality..................................................................................................... 15
5.7.5.1 Screen Shot.................................................................................................... 15
5.7.6 Functionality..................................................................................................... 15
5.7.6.1 Screen Shot.................................................................................................... 15
5.7.7 Description: ...................................................................................................... 15
5.7.8 Validations: ...................................................................................................... 15
5.7.9 Functionality..................................................................................................... 15
5.8 Modify Application ................................................................................................. 15
5.8.1 Bread crumb ..................................................................................................... 15
AP >>Modify Application ........................................................................................ 15
5.8.2 Screen Shot....................................................................................................... 15
5.8.3 Description: ...................................................................................................... 15
5.8.4 Validations: ...................................................................................................... 15
5.8.5 Functionality..................................................................................................... 15
5.8.5.1 Screen Shot.................................................................................................... 15
5.8.6 Functionality..................................................................................................... 15
5.8.6.1 Screen Shot.................................................................................................... 15
5.8.7 Description: ...................................................................................................... 15
5.8.8 Functionality..................................................................................................... 15
5.13 MCGF Scheme:..................................................................................................... 15
5.13.1 Screen Shot..................................................................................................... 15
5.13.4.2 Screen Shot.................................................................................................. 15
5.13.5 Description: .................................................................................................... 15
5.13.6 Functionality .................................................................................................. 15

5. Application Processing
This modules captures the application submitted by members and processing them
further for approval. Term loan, working capital, composite loan, additional term loan,
working capital enhancement, working capital renewal are some of the options available
for the members to enter applications. Duplicate check, eligibility checks are done before
approval. CGTSI s decision are updated into database. If application are modified after
approval, they can be approved in re-approval process.
The following use cases (5.1 5.12) describe the operations for Members who
belong to the CGFSI Scheme.
5.1 Submit New Application
5.1.1 Bread crumb

AP >>Guarantee For>>Term Loan
5.1.2 Screen Shot:



5.1.3 Description:
1. This screen will be displayed when a new term credit application has to be
submitted.
Bank / Institution reference no. Reference No. of the Bank /Institution.

Maximum length is 10.

Bank / Institution branch Name Branch Name of the Bank/ Institution.

Bank / Institution branch Code Branch Code of the branch the bank
belongs to. Maximum length is 10.
Whether Already Assisted By Bank if the borrower has already been
assisted by bank, select Yes otherwise select No.
Outstanding Amount on date of Sanction of credit facility If borrower
has been assisted by bank, outstanding amount can be entered. If not, then
outstanding amount cannot be entered. Maximum length is 13.
NPA Whether Borrower has turned NPA or not. If Borrower has turned
NPA, application cannot be submitted.
Whether borrower previously Covered by CGTSI Yes / No to indicate
whether borrower was earlier covered by CGTSI or not. If borrower has
been covered by CGTSI previously, then either the value of CGPAN /
Borrower ID should be entered. Only if the borrower has been assisted by
bank, he can be covered by CGTSI. By clicking on 'View', the user can
view the borrower details for the entered CGPAN / Borrower ID.
Constitution Name of the constitution such as Proprietary, Partnership,
Private Ltd, Public, Others. If Others is selected, the name has to be
entered. Maximum length is 50.
Borrower name Name of the Borrower. Maximum length is 100.
SSI Registration No. SSI s Registration No. Maximum length is 25.
ITPAN Of Firm ITPAN of the SSI. Maximum length is 10.
Nature of Industry Industry Nature of the firm
Industry Sector Industry Sector of the firm.
Number of Employees the number of employees working in the firm.
Projected Optimum Sales Turnover Total Sales Turnover of the firm.
Projected Optimum Exports Total Exports of the firm. Maximum
length is 13.
Address Address of the borrower. Maximum length is 500.
State State to which the borrower belongs to.
District District corresponding to the state the borrower belongs to.
Pincode Pincode of the borrower s location. Maximum length is 6.
Promoter s title Title of the promoter s name.
Promoter s First Name First Name of the promoter. Maximum length is
20.
Promoter s Middle Name Middle Name of the promoter. Maximum
length is 20.
Promoter s Last Name Last Name of the promoter. Maximum length is
20.
Gender Gender of the promoter
Date of Birth Date of Birth of the promoter.

Social Category Social Category of the Promoter such as SC, BC,

Scheduled Caste
Legal ID Legal ID of the promoter. Maximum length is 50.
Legal Value Value of the Legal ID. Maximum length is 20.
Other Main Promoters Name, ITPAN, Date of Birth of the other main
promoters. All the names are not mandatory. If ITPAN or Date of Birth of
any Promoter is entered, then the corresponding name of the promoter is
mandatory. Promoter s Names have a maximum length of 50. Promoters
ITPAN have a maximum length of 10.
Collateral Security Taken Whether Collateral Security Taken or not
Third Party Personal Guarantee Whether Third Party Guarantee taken
or not.
Guarantor s Details Name and Net Worth of the Guarantors.
Guarantor s details are not mandatory. If the net worth of any of the
Guarantors is entered, then the corresponding name of the guarantors is
mandatory. Guarantor s Names have a maximum length of 100.
Guarantor s Net Worth has a maximum length of 13.
Name of Subsidy / Equity support Subsidy / Equity Support Scheme
under which the borrower got subsidy.
Primary Security Details Security Particulars and Value of the
particulars. Security particulars are not mandatory. If value of any of the
particulars is entered, the corresponding name is mandatory. Security
Particulars have a maximum length of 4000. Particular s Net Worth has a
maximum length of 13.
Means of finance:
Term Credit Sanctioned Sanctioned Amount for Term Credit Loan.
Working Capital Limit Sanctioned Value Fund Based Limit Sanctioned
Value for Working Capital loan. Maximum length is 13.
Promoter s contribution Amount contributed by promoter. Maximum
length is 13.
Subsidy / Equity Support Amount got through subsidy. Maximum
length is 13.
Term Loan - Other Means of Finance Other s Sources of Finance for
Term Loan. Maximum length is 13.
Working Capital - Other Means of finance Other s Sources of Finance
for Working Capital. Maximum length is 13.
Project Cost It is calculated as the sum of Term Credit sanctioned,
Promoter s Contribution, Subsidy / equity Support and Other s means of
finance. Maximum length is 13.
Working Capital Assessed It is calculated as the sum of Fund Based
Limit Sanctioned Value, Promoter s Contribution, Subsidy / Equity
Support and Other means of finance. Maximum length is 13.

Project Outlay When margin money under Term Loan is Yes , then
project outlay is equal to working capital assessed. Else it is calculated as
the sum of project cost and working capital assessed. Maximum length is
13.
Term Loan details:
Amount Sanctioned Amount Sanctioned is equal to the Term Credit
Sanctioned value entered under Means of Finance . Maximum length is
13.
Date of Sanction Date on which the loan amount has been sanctioned.
Credit to be guaranteed Amount This amount should be lesser than or
equal to Amount Sanctioned. Members seek guarantee cover for this
amount from CGTSI. Maximum length is 13.
Disbursement Details Amount Disbursed, Date of first disbursement
and final disbursement date. If first disbursement date is entered, amount
disbursed is mandatory. If final disbursement date is entered, then amount
disbursed and first disbursement date is mandatory. Maximum length for
disbursed Amount is 13.
Tenure Tenure of term loan. Maximum length is 3.
Interest Type Interest type of the term loan.
Type of PLR This is used to calculate the interest rate. Maximum
length is 50.
Prime Lending rate Prime Lending rate of the MLI. Maximum length is
3.
Interest Rate Rate of Interest for the interest type chosen. Maximum
length is 5.
Moratorium Moratorium Tenure. Maximum length is 3.
First Installment Due Date Installment Due Date should be later than
the current Date. Date on which the borrowers pay their first installment
amount. This field is mandatory if the disbursed amount is entered.
Periodicity Interval during which the borrower pays back the
installments. (Monthly, Quarterly)
Outstanding Details Outstanding Amount and Date on which it is
outstanding. Maximum length for outstanding amount is 13
Outstanding Details can be entered only if disbursement details are
available.
Securitization Details:
Spread Over PLR Value for Spread over PLR. Maximum length is 5.
Repayment in equal installments Whether payment has been made in
equal Installments
Tangible Net Worth Value of tangible net worth. Maximum length is
13.
Fixed Asset Coverage Ratio Value of fixed Asset coverage ratio.
Current Ratio Value of current ratio. Maximum length is 5.

Financial Particular of the unit Projected financial particular of the new

unit. Maximum length is 13.
Minimum DSCR Value of minimum Debt Service Coverage Ratio.
Average DSCR Value of average Debt Service Coverage Ratio.
Remarks Comments for the term loan application being submitted.
5.1.4 Validations:
5.1.4.1 Mandatory fields
Bank / Institution Reference No.
Bank / Institution Branch Name
Constitution
Borrower name
Address
State
District
Pincode
Activity Type
Promoter title
Promoter First name
Promoter Last name
Gender
ITPAN of Chief Promoter
Collateral Security Taken
Third Party Personal Guarantee
Term Credit Sanctioned
Date of Sanction
Credit to be guaranteed
Tenure
Type of PLR
Prime Lending Rate
Interest Rate
No of Installments
5.1.5 Functionality
1. User clicks Save button.

The entered application and term credit details are saved into the temp
database.
The application is submitted for the logged in member

If the user enters new borrower details, SSI Reference number is

generated and stored in the temp database. During approval by CGTSI,
new Borrower ID is generated.
If the user retrieves the borrower details by entering CGPAN / CGBID
in the screen, SSI Reference Number will not be generated. Instead,
the application is submitted for the SSI Reference Number
corresponding to the CGPAN / CGBID entered. During approval by
CGTSI user, Borrower ID is not generated.
A new Application reference Number is generated for the submitted
application and stored in the temp database.
The generated application reference number is displayed to the user.
If the mandatory fields are not entered, system will validate these
fields and errors would be displayed to the user.
2. User clicks Reset button
The entered data is reset to its original values. If the screen is new, all
the input fields would be empty.
3. User clicks Cancel button
Home page is displayed.
5.1.5.1 Screen Shot:
5.2 Submit Working Capital Application
5.2.1 Bread crumb

AP >>Guarantee For>>Working Capital Limit
5.2.2 Screen Shot



5.2.3 Description
1. This screen will be displayed when a new working capital loan application has to
be submitted.

Whether Already Assisted By Bank If the borrower has already been
been covered by CGTSI previously, then either the value of CGPAN /

Borrower ID should be entered. Only if the borrower has been assisted by

bank, he can be covered by CGTSI. By clicking on 'View', the user can
view the borrower details for the entered CGPAN / Borrower ID.
length is 13.
20.
length is 20.
20.
Scheduled Caste
or not.


Working Capital Details:

Interest Type Interest type of the working capital loan.
Type of PLR It is used for calculating the interest rate. Maximum
length is 50.
5.
length is 5.
Fund Based limit Sanctioned This amount is equal to the Working
Capital Fund Based Limit Sanctioned amount entered under [Means of
Finance . Maximum length is 13.
Sanctioned Date Date on which the fund based amount is sanctioned.
Credit to be guaranteed - Fund Based This amount should be lesser
than the Fund based limit sanctioned amount. Members seek guarantee
cover for this amount from CGTSI. Maximum length is 13.
Outstanding details Outstanding Amount and the date on which the
amount is outstanding. Maximum length for outstanding amount is 13.
Outstanding Date is mandatory if outstanding amount is entered.
equal Installments
13.


5.2.4 Validations:
Constitution
Borrower name
Address
State
District
Pincode
Activity Type
Promoter title
Promoter First name
Promoter Last name
Gender
Working Capital Limit Sanctioned Fund Based Value
Sanctioned date
Credit to be guaranteed Fund Based
Type of PLR
Prime Lending Rate
Interest Rate
5.2.5 Functionality
The entered application and working capital details are saved into the
temp database.
The application is submitted for the logged in member.
generated and stored in the temp database during approval by CGTSI
User, new Borrower ID is generated.
corresponding to the CGPAN / CGBID entered. During approval,
Borrower ID is not generated.

5.2.5.1 Screen Shot
5.3 Submit Composite Loan Application
5.3.1 Bread crumb

AP >>Guarantee For>>Composite Loan
5.3.2 Screen Shot




5.3.3 Description:
1 . This screen will be displayed when a new composite credit loan application has
to be submitted.

been
covered by CGTSI previously, then either the value of CGPAN / Borrower
ID should be entered. Only if the borrower has been assisted by bank, he
can be covered by CGTSI. By clicking on 'View', the user can view the
borrower details for the entered CGPAN / Borrower ID.
length is 13.


20.
length is 20.
20.
Scheduled Caste
or not.
Means of finance:
length is 13.


length is 13.
13.
Term Loan details:
13.
length is 50.
3.
length is 5.


available.
length is 50.
5.
length is 5.
equal Installments
13.
5.3.4 Validations:
Constitution

Borrower name
Address
State
District
Pincode
Activity Type
Promoter title
Promoter First name
Promoter Last name
Gender
Sanctioned Date for term loan
Tenure
Type of PLR for term loan
Prime Lending Rate for term loan
Interest Rate for term loan
No of Installments
Sanctioned date for Working capital
Type of PLR for working capital
Prime Lending Rate for working capital
Interest Rate for working capital
5.3.5 Functionality
The entered application, term loan and working capital details are
saved into the temp database.
The application is submitted for the logged in member.
generated and stored in the temp database. During approval, new
Borrower ID is generated.
corresponding to the CGPAN / CGBID entered. During approval by
CGTSI, Borrower ID is not generated.
This application enables the user to enter both term credit and working
capital details at one shot. It is considered as a term credit application.


5.3.5.1 Screen Shot
5.4 Submit Both TL and WC Application
5.4.1 Bread crumb

AP >>Guarantee For>>Both TL and WC
5.4.2 Screen Shot




5.4.3 Description:
1. This screen will be displayed when both TL and WC application has to be submitted.

been
covered by CGTSI previously, then either the value of CGPAN / Borrower
ID should be entered. Only if the borrower has been assisted by bank, he
can be covered by CGTSI. By clicking on 'View', the user can view the
borrower details for the entered CGPAN / Borrower ID.
length is 13.
20.


length is 20.
20.
Scheduled Caste
or not.
Means of finance:
length is 13.
length is 13.


13.
Term Loan details:
13.
length is 50.
3.
length is 5.
available.



length is 50.
5.
length is 5.
equal Installments
13.
5.4.4 Validations:
Constitution
Borrower name
Address
State
District
Pincode

Activity Type
Promoter title
Promoter First name
Promoter Last name
Gender
Sanctioned Date for term loan
Tenure
Type of PLR for term loan
Prime Lending Rate for term loan
Interest Rate for term loan
No of Installments
Sanctioned date for Working capital
Type of PLR for working capital
Prime Lending Rate for working capital
Interest Rate for working capital
5.4.5 Functionality
The entered application, term loan and working capital details are
saved into the temp database.
The application is submitted for the logged member.
generated and stored in the temp database. During approval, new
Borrower ID is generated.
corresponding to the CGPAN / CGBID entered. During approval,
Borrower ID is not generated.
This application is considered as two different applications Term
Credit Application and Working capital Application. Hence two
application reference numbers are generated.
Both the application reference numbers generated is displayed to the
user.
The first application reference number corresponds to the working
capital application and the second application reference number
corresponds to the term credit application.

5.4.5.1 Screen Shot
5.5 Additional Term Loan Application
5.5.1 Bread crumb

AP >>Guarantee For >>Additional Term Loan
5.5.2 Screen Shot

5.5.3 Description:
When the MLI user wants to apply for additional term loan, this screen is
displayed. Additional Term Loan is filed by MLI User for existing borrowers and for
borrowers that are already covered by CGTSI
Member ID The member ID of the logged in MLI User is
displayed.
CGPAN CGPAN of the application belonging to the Member ID
Borrower ID Borrower ID belonging to the Member ID entered.
5.5.4 Validations:
Any one of the other two fields Borrower ID / CGPAN
5.5.5 Functionality
1. User clicks OK button
If CGPAN belonging to the displayed member ID is entered, the
corresponding application details from the intranet database is
populated and displayed to the user.
If borrower ID belonging to the displayed member ID is entered,
the list of CGPANs belonging to the entered combination from the
intranet database is displayed in the next page.
If the borrower Id entered does not belong to the displayed
Member ID, error is displayed to the user.
Only expired TC CGPANs can apply for additional term loan.

5.5.5.1 Screen Shot
5.5.6 Functionality
If the CGPAN link is clicked, the corresponding application details
from the intranet database is populated and displayed to the user.
5.5.6.1 Screen Shot



5.5.7 Description:
Refer for 5.1.7 field description
5.5.8 Validations:
Refer 5.1.8 for mandatory fields

5.5.9 Functionality
The entered details are saved into the temp database.
A new Application Reference number is generated and stored in the
temp database. It is also displayed to the user. There is no Borrower ID
generation
5.6 Working Capital Enhancement Application
5.6.1 Bread crumb

AP >>Guarantee For >>Enhancement in WC
5.6.2 Screen Shot
5.6.3 Description:
When the CGTSI user wants to apply enhancement in working capital, this screen
is displayed.
Member ID The member ID of the logged in MLI user is displayed.
CGPAN CGPAN of the application belonging to the logged in MLI
User. Maximum length is 13.
Borrower ID Borrower ID belonging to the logged in MLI User.
5.6.4 Validations:
5.6.5 Functionality
1. User clicks OK button

If borrower ID belonging to the logged in MLI User is entered the

list of CGPANs belonging to the entered combination from the
intranet database is displayed in the next page.
If CGPAN belonging to the logged in member ID is entered, the
corresponding application with all the details from the intranet
database is populated and displayed to the user.
CGPANs that are expired / closed / rejected /hold/ pending cannot
be filed for working capital enhancement.
5.6.5.1 Screen Shot
5.6.6 Functionality
If the CGPAN link is clicked, the corresponding application with
all the details from the intranet database is populated and displayed
to the user.
5.6.6.1 Screen Shot



5.6.7 Description:
1. This screen will be displayed when working capital loan has to be enhanced
Application, Borrower and Promoter Details cannot be modified.
The description for Project Outlay Details and Securitization Details is
same as a working capital loan application.(Refer 5.2.6)
In the working capital sanctioned amount field the entered amount is the
sum of existing and new amount. It is not enhanced amount.
Working Capital Enhancement details:

Interest Type Type of interest of the working capital loan.
Existing Fund Based Existing Working capital Limit Sanctioned Fund
Based Amount. Maximum length is 13.
Existing Interest Rate Existing Working Capital Interest Rate.
Existing Total This amount is equal to the Existing Fund Based
Amount. Maximum length is 13.
Enhanced Fund Based It is equal to the sum of the existing fund based
amount and working capital Limit Sanctioned Fund Based Amount.
Total Total Amount including enhanced fund based amount. Maximum
length is 13.

Date of enhancement Date on which the working capital loan is

enhanced
5.6.8 Validations:
The mandatory fields for project outlay and Securitization details are same
as a working capital application. (Refer 5.2.7) Apart from that the
following fields are also mandatory.
Enhanced Fund Based
Interest
Date of Enhancement
5.6.9 Functionality
The application details are copied to the temp database and the
modified details are updated into the temp database.
5.7 Working Capital Renewal Application
5.7.1 Bread crumb

AP >>Guarantee For >>Renewal of Cover for WC
5.7.2 Screen Shot
5.7.3 Description:
When the MLI user wants to renew the working capital loan, this screen is
displayed.

Member ID The member Id of the logged in MLI User. Maximum

length is 12.
CGPAN CGPAN of the application belonging to the displayed
Member ID entered. Maximum length is 13.
Borrower ID Borrower ID belonging to the displayed Member ID.
5.7.4 Validations:
5.7.5 Functionality
1. User clicks Save button

If borrower ID belonging to the logged in member is entered the
list of CGPANs belonging to the entered combination is displayed
in the next page.
If CGPAN belonging to the logged in member is entered, the
corresponding application with all the details from the intranet
database is populated and displayed to the user.
Only expired WC CGPANs can apply for Working capital
renewal.
5.7.5.1 Screen Shot
5.7.6 Functionality
If CGPAN link in the above page is clicked, the corresponding
application with all the details from the intranet database is
populated and displayed to the user.
5.7.6.1 Screen Shot




5.7.7 Description:
1. This screen will be displayed when working capital loan has to be renewed
Application, Borrower and Promoter Details cannot be modified.
The description for Project Outlay Details and Securitization Details is
same as a working capital loan application.(Refer 5.2.6)
Working Capital Renewal details:

Interest Type Type of interest of the working capital loan.
Existing Fund Based Existing Working capital Limit Sanctioned Fund
Based Amount. Maximum length is 13.
Existing Interest Rate Existing Working Capital Interest Rate.
Existing Total This amount is equal to the Existing Fund Based
Amount. Maximum length is 13.
Renewal Fund Based It is equal to the sum of the existing fund based
amount and working capital Limit Sanctioned Fund Based Amount.
Interest Rate It is the interest rate of the working capital renewal
application. Maximum length is 5.

Total It is equal to the renewal fund based amount. Maximum length is

13.
Date of renewal date on which the working capital loan is renewed.
5.7.8 Validations:
The mandatory fields for project outlay and Securitization details are same
as a working capital application. Apart from that the following fields are
also mandatory.
Renewal Fund Based
Interest
Date of Renewal
5.7.9 Functionality
User clicks Save button.
The entered details are saved into the temp database.
A new Application reference number is generated and stored in the
temp database. The reference number is also displayed to the user.
There is no Borrower ID generation.
5.8 Modify Application
5.8.1 Bread crumb
AP >>Modify Application
5.8.2 Screen Shot

5.8.3 Description:
When the MLI user wants to modify any application, this screen is displayed.
Member ID Member ID of the logged in member. Maximum length

is 12.
Borrower ID Borrower ID belonging to the logged in member.
Maximum length is 9
CGPAN CGPAN of the application belonging to the logged in
member. Maximum length is 13
Application Reference Number reference number of the application
that has to be modified belonging to the logged in member. Maximum
length is 10.
Borrower Name name of the borrower belonging to the logged in
member. Maximum length is 100.
5.8.4 Validations:
Any one of the other four fields Borrower ID / CGPAN / Application
Reference Number / Borrower Name
5.8.5 Functionality
1. User clicks Save button
If valid borrower ID / Borrower name belonging to the logged in member
is entered the list of CGPANs and Application Reference numbers
belonging to the entered combination is displayed. Incase of approved
applications, CGPAN is also displayed along with the application
reference number. Incase of unapproved applications, only Application
Reference Numbers are displayed.

If the borrower Id / borrower Name entered does not belong to the logged
in Member, error is displayed to the user.
CGPAN / Application Reference numbers whose status is Closed /
Rejected / Expired will not be displayed.
5.8.5.1 Screen Shot

5.8.6 Functionality
If either CGPAN / Application Reference Number link in the above
page is clicked, the corresponding application with all the details is
populated and displayed to the user. If it s an approved application,
details are retrieved from the intranet database; else it s retrieved from
the temp database.
If valid CGPAN / Application Reference Number belonging to the
logged in member is entered, the corresponding application with all
the details is populated and displayed to the user. If it s an approved
application, details are retrieved from the intranet database; else it is
retrieved from the temp database.
Applications whose status is Closed / Rejected / Expired cannot be
modified.
5.8.6.1 Screen Shot




5.8.7 Description:
The sample screen shot shown above is a Term credit application that is to
be modified.
Depending on the Application Reference Number / CGPAN entered, the
corresponding type of application (Term Loan / Working capital /
Composite Credit) is displayed to the user.
The description and the mandatory fields are same as the case for a new
application.
Refer the corresponding use cases for the description and mandatory
fields.
Term Credit Application (5.1)
Working Capital Application (5.2)
Composite Credit Application (5.3)
5.8.8 Functionality
1. User clicks Save
Borrower Details and Promoter Details cannot be modified.
Incase of a Term Credit Application, disbursement details,
repayment schedule details and outstanding details cannot be
modified.
Incase of a Working Capital Application, outstanding details
cannot be modified.
The application details are copied into the temp database and the
modified application details are updated into the temp database.
If the user does not enter any of the mandatory fields, they are
validated and error messages are displayed to the user.
2. User clicks Reset
The entered data is reset to its initial values.
3. User clicks Cancel
Home Page is displayed.
5.13 MCGF Scheme:
MCGF Users perform all the operations as that of a Non MCGF Users except that along
with the application details, MCGF Details are also entered.

5.13.1 Screen Shot
When the link is clicked the application screen with all the details and the
borrower details is displayed.
5.13.4.2 Screen Shot




5.13.5 Description:
When an MCGF User wants to submit an application, this screen is displayed.
The Description of the all the fields is same as that of a term credit
application.(Refer 5.1.7)
In all the applications, the MCGF Details is added along with the application.
The description, validations and functionality holds good for all the types of
applications.
MCGF Details:
Participating Bank name Name of the Participating Bank
Participating bank Branch Name Branch to which participating bank
belongs to.
District District of the participating bank.
MCGS Id member Id of the MCGS Member. It is same as the member ID
entered in the filter page.
MCGF Name MCGF Name
Approved Amount by MCGF Amount approved by the MCGF.
Guarantee Cover Start Date Guarantee cover start date by MCGF.
Approved Date MCGF approved date.
5.13.6 Functionality
Refer functionality for term credit (5.1.9) application.

CGTSI Internet User Manual App Processing

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Satyam Computer Services Limited CGTSI

Credit Guarantee Fund Trust for Small Industries

Organisation wide IT Systems

Internet User Manual Document

Version No. 3.0

Satyam Computer Services Limited

Banking & Finance Vertical Business Unit

03003821-Internet User Manual (Application) Version 3.0 Page 1 of 67

Organisation wide IT Systems

Internet User Manual Document

Version No. 3.0

Prepared By Inspected/Reviewed By Approved By

NAME: Jayprakash Veldurai T Dhandapani

DESIGNATION: Module Leader Project Leader Project Manager

DATE: October 19, 2004

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Version Date Changed Changes Made

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5.6.3 Description: ...................................................................................................... 15

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5.1 Submit New Application

5.1.1 Bread crumb

5.1.2 Screen Shot:

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Bank / Institution reference no. Reference No. of the Bank /Institution.

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Bank / Institution branch Name Branch Name of the Bank/ Institution.

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Social Category Social Category of the Promoter such as SC, BC,

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Financial Particular of the unit Projected financial particular of the new

1. User clicks Save button.

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If the user enters new borrower details, SSI Reference number is

5.1.5.1 Screen Shot:

5.2 Submit Working Capital Application

5.2.1 Bread crumb

5.2.2 Screen Shot

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Bank / Institution reference no. Reference No. of the Bank /Institution.

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Borrower ID should be entered. Only if the borrower has been assisted by

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mandatory. Guarantor s Names have a maximum length of 100.

Working Capital Details:

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Remarks Comments for the term loan application being submitted.

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5.2.5.1 Screen Shot

5.3 Submit Composite Loan Application

5.3.1 Bread crumb

5.3.2 Screen Shot

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