CAM-Version -1.

5_ Tr-CAM format
Branch NAGPUR
Prospect ID TF16162676
Product Category Tr_New
Customer type New
Name of Appt PRALHAD BALIRAM SALAME Appt's DOB App ID Proof Pan Card
Appt's Age 37 3-Jun-83 KKJPS5720L
AT BHARREGAON, PO SIRPURBAGH COLONY, TAH DEORI DIST GONDIA PIN
Applicant Address
441901 AADHAR ID 548833951832
Applicant Mob No. 8806561422- 7620986491 VOTER ID GRC1934736
Co-appt / TARABAI BALIRAM SALAME Co-appt's DOB Co appApp ID Proof Pan Card
Co-Appt's Age 56 1-Jan-64 MT/24/148/594242 1959
AT BHARREGAON, PO SIRPURBAGH COLONY, TAH DEORI DIST GONDIA PIN
Co-applicant Address 441901 MOB NO
Appt's No of Family Members 4 AADHAR ID 962361984831
GUARANTOR / Gaurantor DOB Gaurantor ID Proof Aadhar card

GAURANTOR Address
KKS Details Yes MOB NO
Name of Insured Party PRALHAD BALIRAM SALAME
Log in / Agreement Date 5/6/2020
FI date 5-May-20
FE Name LALITKUMAR DRUGKAR
Dealer Name VARMA TRACTORS
Asset : Make - Model EICHER 333 SP
Loan Amount in Rs. 422000
Tenure (In Months) 45
No of Installment 8
Frequncy Half Yearly
PDC type Full-PDC
Emi Start Date 5-Aug-20
Advance EMI/
Dealer Subvention If any 0
Installment Amount (If Equated) 0
Asset MRP/Deal Pr in Rs Loan Amt Requested LTV in %
Rs.535000 Rs.422000 78.88

Land in Hector (Actual on 7/12) Land in Ha Land in Acres

Owned by Appt 2.9 7.16
Owned by Co-appt & family member2.25 5.56
GUARANTOR 0 0.00
Total land 0 12.72
Farmer Category Other

Below details to be update by Credit team.

Plant And Machinery

PSL classification PSL Type Gross Block Value
Agri Direct NA
BSR Code-Industry
Industry Classn (Based on application of Asset) Classification
Industry Classification TFE ( Agri Direct or Agri Indrect) New and Ref Tractor and 01151_DirFinFarmMc
Implements hnry Implmnt

Section A- Party Section B- Product

NA Individual loan Up to
Rs. 2 Crores ( Sum of
Risk Profie Agreement Value of
all Existing Loans)

Risk score 1 1
1 Final Risk Category Low
Scheme Normal
Product Classification Detrails CORE value
Product Classification All farming background cases- New/ refinace / Without Land
Attachements - Tractor and Rural Auto and others Mortgage
 Normal

Case Processed based on Provided/Uploaded Scan Docs in LOS. Tractor Deal Rs. L
Dealer Quote 5.30
Loan 4.22
MM paid 1.20 Booking
Pending MM -0.12

RM Name LALIT

Product TRACTOR_NEW

Dealer Name VARMA TRACTOR NA

District LALIT VARMA TRACTOR GONDIA

Exposure (in Cr) 7.90 7.82 8.55

IMPLEMENTS :- As per requirement Exp (1-30 DPD) 0.30 0.33 0.26

ASSET DEPLOYMENT :- Will use for agri hiring. Exp (Grt than 30 DPD) 0.34 0.51 0.37

Repayment & other details confirm in TVR Live Accounts 325 312 354

Infant Count 120 108 152

MLR 19.50% Infant Count (Grt Than 30) 1 1 1

Infant % (grt than 30) 0.83% 0.93% 0.66%

Non Starter Infant Count 2 4 3

Non Starter Infant % 1.67% 3.70% 1.97%

POT NPA Count 0 0 0
Having arrangement of EMI - Renewal of crop loan money will receive in 8 days POT NPA % 0 0 0
Exp (Grt than 90 DPD) 0 0.11 0.09
FI DATE - 5-05/DOD - 29-04 90 DPD (Nos) 0 3 2
90 DPD % 0 1.36% 1.04%

CFR/UN Search - No Match Found - CIBIL - Borr - 1/CB -1 - Lives in Joint family - 15 acre family landholdign - Cultivates Double Paddy Crop - 7.16 acre
land docs provided of Borrower - Mother is roped as CB in deal - 5 acre land on the name of Mother - Supportive income from PDS Shop - Paid margin
from bank - Having balance in banking - FTU Profile with Good equity - - Asset will be use for agri haulage work - Total funding of Rs.422000 /- On - EIC
333 SP - LTV - 79.62 Pc - With HLY installment - For 45 months tenure - Is Recommended.

SWAPNIL SHAHU
5/6/2020
 Advance EMI/
Dealer Subvention If 0.00 Half Yearly Month & Year
any

Borrower`s Name PRALHAD BALIRAM SALAME Referal Amount 0 -429358 0 May-20

Location AT BHARREGAON, PO SIRPURBAGH COLONY, TAH DEORI DIST GONDIA PIN 441901 Amount Finance 429358 0 1 Jun-20 0
Loan Amount 429358 In Months In Years Flat Rate 11.00% 0 2 Jul-20 0
Tenure
Major EMI 75809 45 3.75 Tenure/Year 3.75 100000 3 Aug-20 QTY
IRR 16.58% Flat Rate 8.11% EMI 75809 0 4 Sep-20 0
Repayment Half Yearly Referral chgs 0 IRR 16.10% 0 5 Oct-20 0
Processing Fee 5094 Net IRR to BANK 16.10% Instt Frequency Half Yearly 0 6 Nov-20 HYI
Moratorium 6 0 7 Dec-20 0
Proposed Repayment Schedule 0 8 Jan-21 0
Due Date Principal O/S Interest Principal Paid Installment Outstanding No of Days EMI Start Date 5-Aug-20 75000 9 Feb-21 QTY
5-Aug-20 429358 17747 82253 100000 347105 91 1 Agmt Date 6-May-20 0 10 Mar-21 0
5-Feb-21 347105 29009 45991 75000 301114 184 2 0 11 Apr-21 0
5-Aug-21 301114 24755 50245 75000 250869 181 3 Loan Amount 422000 0 12 May-21 HYI
5-Feb-22 250869 20966 54034 75000 196835 184 4 KLI Primium Amt 7358 0 13 Jun-21 0
5-Aug-22 196835 16182 58818 75000 138018 181 5 CAR Amt. 0 1500 0 14 Jul-21 0
5-Feb-23 138018 11535 48465 60000 89553 184 6 KKS Total Amt 7358 2000 75000 15 Aug-21 QTY
5-Aug-23 89553 7362 52638 60000 36915 181 7 Ins Funding TATA Aig - 3250 0 16 Sep-21 0
5-Feb-24 36915 3085 36915 40000 0 184 8 Total Funding 429,358 0 0 17 Oct-21 0
9 0 18 Nov-21 0
10 0 19 Dec-21 0
11 0 20 Jan-22 0
12 75000 21 Feb-22 QTY
13 0 22 Mar-22 0
14 0 23 Apr-22 0
15 0 24 May-22 HYI
16 0 25 Jun-22 0
17 0 26 Jul-22 0
18 75000 27 Aug-22 QTY
19 0 28 Sep-22 0
20 0 29 Oct-22 0
21 0 30 Nov-22 HYI
22 0 31 Dec-22 0
23 0 32 Jan-23 0
24 60000 33 Feb-23 QTY
25 0 34 Mar-23 0
26 0 35 Apr-23 0
27 0 36 May-23 HYI
28 0 37 Jun-23 0
29 0 38 Jul-23 0
30 60000 39 Aug-23 QTY
31 0 40 Sep-23 0
32 0 41 Oct-23 0
33 0 42 Nov-23 HYI
34 0 43 Dec-23 0
35 0 44 Jan-24 0
36 40000 45 Feb-24 QTY
37 0 46 Mar-24 0
38 0 47 Apr-24 0
39 0 48 May-24 HYI
40 0 49 Jun-24 0
41 0 50 Jul-24 0
42 0 51 Aug-24 QTY
43 0 52 Sep-24 0
44 0 53 Oct-24 0
45 0 54 Nov-24 HYI
46 0 55 Dec-24 0
47 0 56 Jan-25 0
48 0 57 Feb-25 QTY
49 0 58 Mar-25 0
50 0 59 Apr-25 0
51 0 60 May-25 HYI
52 0 61 Jun-25 0
53 0 62 Jul-25 0
54 0 63 Aug-25 QTY
55 0 64 Sep-25 0
56 0 65 Oct-25 0
57 0 66 Nov-25 HYI
58 0 67 Dec-25 0
59 0 68 Jan-26 0
60 0 69 Feb-26 QTY
0 70 Mar-26 0
0 71 Apr-26 0
0 72 May-26 HYI
Total 1789766 130642 429358 560000 0 73 Jun-26 0
0 74 Jul-26 0
0 75 Aug-26 QTY
0 76 Sep-26 0
0 77 Oct-26 0
0 78 Nov-26 HYI
0 79 Dec-26 0
0 80 Jan-27 0
0 81 Feb-27 QTY
0 82 Mar-27 0
0 83 Apr-27 0
0 84 May-27 HYI
 KOTAK MAHINDRA BANK LTD. -AGRICULTURAL BUSINESS LOAN-TRACTOR
BENEFIT OPTION FOR MEMBER -110%

Wednesday, May 06, 2020

LIFE INSURED'S INFORMATION

NAME OF LIFE INSURED PRALHAD B SALAME

LOAN AGREEMENT NO. PLEASE ENTER LOAN AGREEMENT NO.

DATE OF BIRTH OF LIFE INSURED (DD-MON-YYYY) 3-Jun-1983

DATE OF COVER OF COMMENCEMENT (DD-MON-YYYY) 6-May-2020

SANCTIONED LOAN AMOUNT (IN RS.) 4,22,000.00

LOAN TENURE (IN YEARS) 4

AGE OF LIFE INSURED 36

UNDERWRITING STATUS OF LIFE INSURED DOGH Rate and underwriting status for the Member may change if the date of cover commencement
is post next birth anniversary of the said borrower i.e. post 3-6-2020

FINAL SUM ASSURED (IN RS.) 4,22,000.00

KOTAK PREMIUM WITHOUT GOODS AND SERVICE TAX (IN RS.) 6,235.35

GOODS AND SERVICE TAX @ 18% 1,122.36

TOTAL KOTAK PREMIUM INCLUDING GOODS AND SERVICE TAX 7,358.00 Rounded up to next Rupee

KEY NOTES

• Fields marked in yellow are the input fields

• Fields marked in white are the final output fields
• DOGH implies Declaration of Good Health Form
• DOGH+ MT implies Declaration of Good Health Form + Medical Tests
 CREDIT SCORING MODEL - TFE - Tractors
Name of Borrower PRALHAD BALIRAM SALAME

A B C D E Scale Total Score Weight Wtd. Total

Score

1. PORTFOLIO AND PROFILE RELATED

District 1.5 No. of crops / yr 2.0 agricultural land 3.0 Guarantor avilability 2.0 Dependence on Monsoon 1.5 10.0
mortgaged (land
value / loan)
No Trigger 4.0 1 1.0 < 1.00 1.0 Yes 3.0 Full 1.0
Trigger-1 3.0 2 2.0 1.00 - 2.00 2.0 No and LTV <70% 3.0 Partial 2.0

Trigger-2 2.0 3 3.0 2.00 - 3.00 3.0 No and LTV >70% 2.0 Not dependent 4.0

Trigger-3 1.0 >3 4.0 > 3.00 4.0 Guarantor with APDCs 4.0
4 6.0 2 4.0 0 0.0 3 6.0 2 3.0 19.00 20% 3.80
COMMERCIAL ORIENTED CLIENT ASPECTS
Other Assets Owned 2.5 Installment frequency 2.0 Existing Loan 3.0 Proof of commercial activity 2.5 10.0
repayment Record (sum of scores)

Tractor 3.0 Monthly 4.0 ETR 4.0 Contract document 2.0

Other comm.l vehicle 2.0 Quarterly 3.0 GTR 3.0 I.tax return / receipts 1.0
Other Personal 4 wheeler 2.0 Hlf yrly 2.0 no loan record 1.0 bank A/c statement 2.0
Never owned 1.0 1.0 property papers / utility bills 1.0
1 2.5 2 4.0 1 3.0 1 2.5 12.00 20% 2.40
2. PERSONAL DETAILS
Family type 2.5 No. of yrs in current 3.0 Guaranor Profile 2.5 Other assets (Sum Up) 2.0 10.0
area
Joint Family 2.0 < 2 yrs 1.0 Having tractor 4.0 Cattle (cow/buffalo) < 2 1.0
Nuclear Family 1.0 2 to 5 yrs 3.0 Having land > 3.0 two-wheeler 1.0
> 5 yrs 4.0 borrower/CB
None of the above 1.0 Cattle (cow/buffalo) > 2 1.0

2 5.0 4 12.0 3 7.5 3 6.0 0 0.0 30.50 10% 3.05

3. TECHNICAL FACTORS
Other collateral avilability 3.0 Loan tenure 2.0 Margin Amount 5.0 Asset category 10.0

Other tractor 3.0 < 3 yrs 4.0 15% 1.0 A 4.0

FD 3.0 3 - 4 yrs 3.0 20% 2.0 B 3.0
Nil 1.0 4 - 5 yrs 2.0 25% 3.0 C up to 65% 2.0
> 5 yrs 1.0 >25% 4.0 Others 1.0
1 3.0 3 6.0 4 20.0 4 29.00 25% 7.25
FINANCIAL PARAMETERS:
Agri Income / Total 3.0 Total net income - 4.0 Total Net Income - 3.0 10.0
Income Total Expense (net of Total Expenses
installment)/ Annual
Installment

> 75% 2.0 < 0.5 1.0 < 40000 1.0

75 % - 50% 3.0 0.5 - 0.99 2.0 40000 - 80000 2.0
50% - 25% 4.0 1.00 - 1.5 3.0 80000 - 120000 3.0
< 25% 2.0 > 1.5 4.0 >120000 4.0

2 6.0 1 4.0 1 3.0 13.00 25% 3.25

GROSS SCORE 19.8 100% 19.75

Category Cut off Score

A 25.0
B 20.0
C 17.0
To be Rejected Below 17