Circular No 183/2008/BC

BIC:6108 Region : Chennai

Branch: Maraimalai Nagar

Name & Address of borrower: Customer ID: 28194617
Bulls eye Loan A/c No: 61081400000085
Prop K R Baskar Date of Receipt: 10/03/2017
Date of Sanction: 16/03/2017

BUSINESS / COMMERCIAL LOANS OF RS. 2 LACS AND ABOVE UPTO RS. 50 LACS
INCLUDING SLUCC, SYNDVYAPAR, SYNDUDYOG
Sl.
Expla Score
No
Variable Score nation MAX MIN Allotted
Educational Qualification (of Key person in the
1 case of other than individuals/proprietorship) 8 0
1 Doctorate/ Post Graduate/ Professional 8
2 Graduate 6 6
3 Diploma 4
4 Higher Secondary 2
5 < Higher Secondary 0
2 Mobility of Borrower - Location 12 0
1 Has not changed location in past 3 years 12 12
2 Changed location once in past 3 years 5
Changed location more than once in past 3
3 years 0
3 Relationship with Bank 15 -5
1 All banking done through Bank 15 15
2 Good track record 10
3 Short term relationship 0
4 No existing relationship -5
Current Scope / Future Prospects of the
4 commercial activity 12 -3
Highly profitable at present and there is high
1
probability that it will remain so in the future. 12
Profitable at present and there is high
2 probability that it will be highly profitable in
the future. 10 10
Profitable at present but profitability is
3
uncertain in the future. 8
Not profitable at present but scope of the
4 activity is good so there is high probability
that it will turn into a profitable venture. 3
Not profitable at present and profitability is
5
uncertain in the future. -3
 Score
Sl.
Allotte
No
Variable Score Explanation MAX MIN d
Experience of the borrower / family
members in the current line of
5 activity. 10 0
1 10 years. and above 10 10
2 5 and above up to 10 years. 8
4 2 and above up to 5 years. 4
5 Experience up to 2 years. 1
6 No experience. 0
6 Constitution 10 0
1 Company 10 10
2 Partnership 5
3 Individual 0
7 Proof of income of borrower 5 0
1 Income tax returns 5 5
2 Audited Financial Statements 5
Un-audited Financial
3 Statements 2
4 No proof 0
In respect of
8 Net worth to Loan Ratio 5 0
individual
From Net worth =
1 0 and above up to 0.5 0 Movable +
2 0.5 and above up to .75 1 immovable
3 0.75 and above up to 1.0 2 assets -
liabilities and
4 1.0 and above up to 1.5 3 loan includes
5 1.5 and above up to 2.5 4 all outstanding
6 2.5 and above 5 liabilities 5
Net annual income of the borrower In respect of
9 (in lakhs of Rupees) individual Gross 12 0
monthly
income*12 -
1 Less than 1 0 (monthly PF
2 1 and above up to 2 3 deduction*12 +
Statutory
3 2 and above up to 5 7
deductions)
4 5 and above 12 For self- 12
employed
borrowers, avg
annual income
over last 3 yrs
Sl. MA Score
No Variable Score Explanation X MIN Allotted
Fixed Obligations to Income Ratio FO means cut
10 (FOIR) back. In case 15 0
of more than
1 Less than 0.3 15 one
borrower, use
2 0.3 and above up to 0.5 10 10
sum of
3 0.5 and above up to 0.7 5 numerator by
4 0.7 and above 0 sum of
denominator
method to
determine
FOIR
Borrower / Guarantor also a
11 guarantor for someone else 3 -2
1 No 3 3
2 Yes -2
12 Type of Collateral 20 0
Liquid securities like financial
1 collateral 20
2 Immovable collateral 10 10
3 Movable collateral 0
Price volatility (for Financial Only one of
13 collateral only) these two 10 -10
1 Highly volatile -10 parameters
2 Somewhat volatile 0 (Price
Volatility &
3 Stable 10
Marketability
Marketability (for Non-financial
can be scored
14 collateral only) 10 -10
for a
1 Low -10 borrower).
2 Average 0
3 High 10 10
15 Coverage provided by collateral Amt of 25 0
From Security over
1 Less than 0.25 0 Loan amount
2 0.25 and above up to 0.5 5
3 0.5 and above up to 1 10
4 1 and above up to 1.5 20
5 1.5 and above 25 25
Sl. MA Score
No Variable Score Explanation X MIN Allotted
16 Number of Guarantors 13 0
1 3 or more 13
2 1 or 2 6 6
3 0 0
17 Guarantor's Net worth to Loan Ratio 3 0
From
a) 0 and above up to 0.5 0
b) 0.5 and above up to0.75 1
c) 0.75 and above up to 1.0 2 2
d) 1.0 and above 3
In case of
Fixed Obligations to Income Ratio of more than
18 Guarantor one 3 0
From guarantor,
1 use sum of
Less than 0.3 3 3
numerator by
2 0.3 and above up to 0.5 2 sum of
3 0.5 and above up to 0.7 1 denominator
4 0.7 and above 0 method to
determine
FOIR

Sum

Business Loan up to Rs.50 lacs GradesScore Ranges

Lower limit Upper limit
Synd1 151 >151
Synd 2 141 150
Synd 3 131 140
Synd 4 121 130
Synd 5 111 120
Synd 6 101 110
Synd 7(Cut off grade) 91 100
Synd 8 76 90
Synd 9 61 75
Synd 10 <60 60
Rating allotted is Synd...

Name & signature of sanctioning authority

R KALAISELVAN
BRANCH MANAGER