You are on page 1of 8

PD Sheet

(If applicant or family members (spouse /children) run several businesses, details to
be obtained for all of them)
Name of applicant: Mr. NALohar

Name of co-applicant: NP

Address visited: Room NoNA

Name of person who visited : Mr. Vikash Maurya


Personal details
Age of applicants: 40 years

Qualification of applicants: He has studied till 8th standard from Rajasthan.

Residence locality: He resides and operates from rental residential NA. 35,000/-
approx. Operating from this premise since last 2 years approx. (Rent agreement was
not provided)

Residence ownership status : Rented

Market Value of residence: NA (Rented)

Years at residence: Since last 2 years approx

Phone at residence: None

Family background: His family consists of 6 members including his


wife (housewife), 3 Daughters & 1 Son (all studying) and applicant himself.

Number of children: 4

NA

Educational NA
Other dependents: 1

Mrs

Occupation
Nature of business:
Mr. NAprox and he has 18 years of work experience in the same line of business. He
has studied till 8th standard from Rajasthan.

Applicant is engaged in the business of Civil Interior Works. He does all type of
interior works such as Tiles fitting, POP, Furniture, Painting, Electrical, etc for
residential premises, commercial premises, Offices, etc. As per applicant he majorly
does Individual refer client’s residential premises works. As per applicant, he does
both with material and without material works. His business operating ratio is 50%
with material and 50% without material. He operates all over India.

As per him, he does 12 to 15 contracts approx per annum and charges depend on per
sq ft basis.

As per applicant, he has in hand NA that he pays monthly salary of Rs. 1.25 Lakhs approx. He
also hires daily basis labour as per requirement of the contract and charges are Rs. 300/- to Rs.
1,000/- approx for per personal of daily basis.

As per applicant, his operating timing is not fixed he operates as per contract timing.

As per applicant, his annual turnover is of Rs. 40 Lakhs to Rs. 45 Lakhs approx and
net profit margin of 20% approx.
Years at current business: since last 12 years approx.

Background – Parental/Start-up: He Started this business by owned funding.

Workplace locality: Residential Premise.


Workplace ownership status:

He resides and operates from rental residential premise NA. 35,000/- approx.
Operating from this premise since last 2 years approx. (Rent agreement was not
provided)

Market Value of Workplace if owned: NA (Rented)

Phone at workplace: NP

Top suppliers (at least 3 required) along with details of trade relationship ( Name and
phone number to be documented:

As per applicant, he has few fixed suppliers in his business. His Payment transactions
are 85% on Cash basis & 15% Cheque basis. He gets 10 days as credit facility from his
suppliers.

His major suppliers are as follows:

(Contact detail not provided by the applicant)

Top clients (at least 3 required) along with details of trade relationship ( Name and
phone number to be documented:

As per applicant, he has fixed, referred & walk in customers in his business. His
receipts transaction is 80% on cash basis & 20% Cheque/NEFT basis. He gets his
payment on partly basis.

His few customers are as follows:

(Contact details were not provided for verification)


Address of any other premises/godown/branch: None

Business type (proprietor/partnership/company): Proprietorship Concern

Management Structure/Control: All the business activities are handled by applicant


himself.

No. of employees: As per applicant, he has 4 fixed employees in his business that he
pays monthly salary of Rs. 1.25 Lakhs approx. He also hires daily basis labour as per
requirement of the contract and charges are Rs. 300/- to Rs. 1,000/- approx for per
personal of daily basis.
Assets noticed (Office Equipment & Others): NP

Remarks on Business Setup:

 Residential setup was seen.


 At the time of visit family members, furniture, home appliances, etc was seen.
 Interior & Exterior Premise was Average.
 Visited premise which is located at Residential area of Borivali (E).
Details of license as per business nature/product:

 Udyog NA, that name is printed by mistake)

Details of any new business initiatives (if any): None

Any business owned/affiliated that was recently shut down in past : None

Previous Employment/Business (if any): Prior he was working as labour in the same
line of business.

Main Competitors: NP

Market Share/Size: He operates all over India.

Financial status
Turnover (to be correlated with nature of business and years in business): As per
applicant, his annual turnover is of Rs. 40 Lakhs to Rs. 45 Lakhs approx.
Number of customers per day: NA

Approximate profit earned: He gets net profit margin of 20% approx.

Capital invested – stock/machinery/premises: NP

Average credit period given to debtors: He gets his payment on partly basis.
Average credit period availed from creditors: He gets 10 days as credit facility from
his suppliers.
Last 9-10 months turnover : NA

-----NA-----

Whether any losses suffered in past: No

Average stock level maintained: NA


Gross profit margin: NP

Net profit margin: He gets monthly net margin of 20% in his business.

Name and Address of the client’s auditor

-----NA-----

Actual vs. declared turnover as per client

-----NA-----

Purchase/Sales bills validated by visitor:

-----NA-----

Other income: None

Bank Details
 NA
Facilities from bank (CC/ OD): None
Facilities Rate of Interest Name of the Bank Collateral

None None None None

Asset ownership
Asset ownership: NP
Property:

 He has owned commercial premise located NAPurchased before 1 year of Rs.


22 Lakhs approx. (Currently let-out on rent of Rs. 6,000/- approx.)
Investments:

 He pays LIC Premium of Rs. 2.5 Lakhs approx.

 He pays Mediclaim Premium of Rs. 7,000/- P.A. approx.

Liabilities
Other loans taken: None

Guarantees: NA

Future obligations (like daughter’s marriage/future expansion plans etc): None

Comfortable EMI: As per Banker.

He wants HL of Rs. 35 Lakhs approx for purchasing resale residential premise for self
occupancy purpose.
He is going offer to his purchasing resale residential premise as security against this
loan.

NASavings & Business Profits)

Credit History
Loan details
Name of Loan Utilization
Type of O/S EMI Pending Track
Bank / start for
Loan balance (in ₹) EMIs record
NBFC date CC/OD/etc
None

Any loan paid ahead of schedule:

-----NA-----

No of inward cheque bounce:

-----NA-----

Reason for inward cheque bounce:

-----NA-----

No of outward cheque bounce:

-----NA-----

Reason for outward cheque bounce:

-----NA-----

Reason for high debit/Credit balance:

-----NA-----

References
Trade reference: NP
Interviewer’s comments
 Residential setup was seen.
 At the time of visit family members, furniture, home
appliances, etc was seen.
 Interior & Exterior Premise was Average.
 Visited premise which is located at Residential area of
Borivali (E).
 Applicant

Strengths  He provided work order invoice for verification.


 He provided visiting card for verification.
 He provided
 Shop Act License, Work Order, Quotations, etc for
verification.
 TPC was done with nearby premise and got positive
response about applicant & his business.
 He didn’t provide Bank Statement, ITR AY2017-18,
Weakness GSTIN, GST Returns, etc for verification.

Positive (On the basis of observations, Information Provides,


documents & TPC)
Final recommendation