Project Assesment:

1. Mahalaxmi Garments
2. Goyal Impex
3. Shairavi Impex (Proposed to setting up new Entity)

Pre-check Norms

Existing Proposal

Key Financial Indicators

Takeover Norms are:

Turnover- Increasing trends

TOL/TNW

Current Ratio

NWC Shortfall if any in MPBF etc.

Debt Equity Ratio

DSCR

Current Proposal:
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Overview
Write up a Brief Profile of the Client must include past experience

Nature of activity

Major Products

Raw Material Used and sourced from domestic or International Market

Proposed Machinery, its benefits viz.

Cost benefit

Production benefits

Profitability model & benefits

Manpower benefits

Automation benefits

Relevance benefits

Advancement of products etc.

Proposed Project:

Cost of Project

Means of Finance

Existing Repayment obligations

Proposed Repayment Plan

Debt Service Coverage Ratio

Analytical Mind
1. Identify Repayment capability

2. Identify turnover and sustainability

3. Banking Risk

4. Capital Adequacy norms

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Specific Schemes for Subsidy

Textile Proposal

Subsidy under ATUFS

Subsidy Under Invest Punjab

Milestones

I. Prepare a proposal under fair Banking Risk

II. Complied under Risk Ratio

III. Justify for Banking Consideration