Bil Lap

Sr no Bank Name Sr no Bank Name

1 Hdfc Bank Ltd 1 Hdfc Bank Ltd
2 ICICI Bank Ltd 2 ICICI Bank Ltd
3 RBL 3 IDFC
4 Tata Capital 4 RBL
5 IDFC 5 Tata Capital
6 Bajaj Capital Ltd. 6 Bajaj Capital Ltd.
7 Magma Financials 7 Edalwise
8 Intelgrow 8 Kotak Mahindra
9 Utkarsh Finance 9 Indusind
10 Edalwise 10 Magma Financials
11 Axix Bank 11 capital flot
12 Yes Bank 12 Hero Fincorp
13 13 india bulls
14 Kotak Mahindra 14 Fulletron
15 Indusind 15 aditya birla
16 capital flot 16 UPF
17 Hero Fincorp 17 SCB
18 india bulls 18 arohan
19 Fulletron 19 shriram
20 aditya birla 20 Axix Bank
21 UPF 21 Yes Bank
22 SCB 22 hdb
24 arohan 24 Indusind Card Against
25 shriram 25 New Groth
26 26 Punawala
23 23 Equitas
hdb 24 hola
Indusind Card Against
New Groth
Punawala
Equitas
Customer Name

product Name Bank Name

Exe Name Ref

Sr No Pending Document Remark

Notes
 CUSTOMER DETAIL SHEET

PRODUCT :- Ref Name / Mobile No Loan Amount

Business Name :-

Buisness Address

Bussiness Landmark:-

Business Phone :- Buss Type ;- No of Years in bussiness :-

Name email id :-

Resi Address

Resi Landmark:-

Resi Stability :- No of Dependent :- Qualification

Mothers Name :- Husband / wife name :- Mobile No /Resi Phone No

Name email id :-

Resi Address

Resi Landmark:-

Resi Stability :- No of Dependent :- Qualification

Mothers Name :- Husband / wife name :- Mobile No /Resi Phone No

Refrence 1 Refrence 2

Name of Firm Name of Firm

Contact person Name Contact person Name

ADDRESS ADDRESS

PHONE / MOBILE NO PHONE / MOBILE NO

Relation Relation

Buyer Supplier

Name of Firm Name of Firm

Contact person Name Contact person Name

ADDRESS ADDRESS

PHONE / MOBILE NO PHONE / MOBILE NO

Details Financials

Current Year Sale As on detor EMI Bounces

Banking To Turn Over As On Date GST

Other Loans
Customer Name GST
CASH ACCRUALS 20-21 19-20 Months Amount Months Total Credit Months Total Credit Months
TO 15593105 18211207 Apr-20 0 Apr-20 Apr-20 Apr-20
GP 2916812 2884385 May-20 0 May-21 291396 May-20 May-20
Net Profit 679300 989702 Jun-20 123098 Jun-21 850916 Jun-20 469321 Jun-20
Tax 32915 91610 Jul-20 77602 Jul-21 415000 Jul-20 967309 Jul-20
PAT 646385 898092 Aug-20 0 Aug-20 223540 Aug-20 409309 Aug-20
Depreciation (from P&L) 184857 Sep-20 27203 Sep-20 231849 Sep-20 127829 Sep-20
Interest on Partners' Oct-20 553142 Oct-20 182696 Oct-20 553219 Oct-20
capital
Remuneration Salaries Nov-20 2930869 Nov-20 747450 Nov-20 621244 Nov-20
to Partners/
Interest paidDirectors
on all loans 424844 329774 Dec-20 2433766 Dec-20 447350 Dec-20 629048 Dec-20
(from P&L)
Monthly EMI 50000 0 Jan-21 3876409 Jan-21 1178166 Jan-21 1516433 Jan-21
Detoer 5810500 7470769 Feb-21 0 Feb-21 1558980 Feb-21 726906 Feb-21
Creditor 11249418 12039312 Mar-21 0 Mar-21 1240955 Mar-21 456065 Mar-21
CC Intrest Apr-21 2679602 Apr-21 559432 Apr-21 290467 Apr-21
Capital 1249551 May-21 0 Total 3011051 Total 6767150 Total
Total Cash Profit 1071229 1412723 Jun-21 0 Average balance 669845.27273 Average balance 647668.3 Average balance
OBLIGATIONS Jul-21 emi payable 133969.05455 emi payable 129533.66 emi payable
All retail obligations (Su 50,000 600,000 Aug-21
Proposed HDFC EMI 36,153 433833.546431 Sep-21 Loan Amount 36.042253039 Loan Amount 34.848980361 Loan Amount
Outstanding of Term Loa 0 0 Oct-21
Outstanding of External Unsecu 0 0 Nov-21 Stability Stability Onwership
Interest paid on all loans 424844 329774 Dec-21 Resi Resi
Total Total 12701691 Business Business
Net Incime / net expenses Net Incime / net expenses
Net Income / Net Expenses ( IncluNet Income / Net Expenses ( Including CC Intrest ) *100
 Formulae for calculating EMIs for PL cases Property Details
Total Credit 1 Valuvation
Loan Amount 1000000 Address
Tenor 36
Rate of Interest 18 Squ feet
EMI 36152.795535917 2 valuvation
Address
Total Income 1071229
Total Expenses 1,033,834 Squ feet
DSCR 1.04 >1 3 valuvation
Detor Days 136.010916363354 < 45 Days Address
Creditor Days 263.323922336186 < 45 Days
BTO 19.3101438103572 0.8 Squ feet
GST 81.4570991473475 > 100 %
Depith Equipy #DIV/0! 4
0 Capital -1249551 No withdrawl
#DIV/0! As On date Detor -2799449
#DIV/0! As On date creditor
Stock
#DIV/0! Purchase
ON 3CB Income
Loan Eligibility
DSCR
Banking Surrogate ( CA / CC )
GST Surrogate
st ) *100 BT Program
Loan Surrogate
FOIR
plane calculation
 DD/MM/YY DD/MM/YY 8 21 RTR
Tenor Loan Start LOAN END Balance
S.No. Bank Name Borrower Bank Account No Type Loan Amount EMI (in Date DATE Month Year Seasoning Tenor
Months) Due Date Oct-20 Nov-20 Dec-20 Jan-21 Feb-21 Mar-21 Apr-21
1 ₹ 25,000 36 4/1/2019 4 19 29 7

2 ₹ 25,000 12 99 -939 939

3 12 99 -939 939

4 12 99 -939 939

5 12 99 -939 939

6 12 99 -939 939

7 12 99 -939 939

8 12 99 -939 939

9 12 99 -939 939

10 12 99 -939 939
Total 0 50,000
Months 1 5 10 15 20 25 Total Months
Feb 8114 6953 384599 29866 23505 5698 458735 Feb
March 928 63936 4779 3361 42284 2740 118028 March
April 50755 9271 17460 8017 101988 7485 194976 April
May 18668 36012 11041 6515 2517 95648 170401 May
June 89767 2290 36967 667 14840 22938 167469 June
July 19687 6690 2192 5794 5319 53933 93615 July
Total Total 1203224 Total
Average 33423
Average balance 33423 Average balance
emi payable 8355.72222222 emi payable

Loan Amount 2.24797477057 Loan Amount

Months 1 5 10 15 20 25 Total Months

october 0 0 0 0 0 0 0 october
November 0 0 0 0 0 0 0 November
December 0 0 0 0 0 0 0 December
January 0 0 0 0 0 0 0 January
Feb 0 0 0 0 0 0 0 Feb
March 0 0 0 0 0 0 0 March
Total Total 0 Total
Average 0
Average balance 0 Average balance
emi payable 0 emi payable

Loan Amount 0 Loan Amount

Months 1 5 10 15 20 25 Total Months

April 0 0 0 0 0 0 0 April
May 0 0 0 0 0 0 0 May
June 0 0 0 0 0 0 0 June
July 0 0 0 0 0 0 0 July
August 0 0 0 0 0 0 0 August
September 0 0 0 0 0 0 0 September
October 0 0 0 0 0 0 0 October
November 0 0 0 0 0 0 0 November
December 0 0 0 0 0 0 0 December
January 0 0 0 0 0 0 0 January
February 0 0 0 0 0 0 0 February
March 0 0 0 0 0 0 0 March
Total Total 0 Total
Average 0
Average balance 0 Average balance
emi payable 0 emi payable

Loan Amount 0 Loan Amount

5 15 25 Total Months 1st 7th 14th 21st
6953 29866 5698 42517 Feb 8114 32 70362 76255
63936 3361 2740 70037 March 928 1365 8361 42284
9271 8017 7485 24773 April 50755 3859 38017 99988
36012 6515 95648 138175 May 18668 53014 6822 31598
2290 667 22938 25895 June 89767 1301 20850 14850
6690 5794 53933 66417 July 19687 2192 30791 4327
Total 367814 Total
Average 20434
20434 Average balance 27872.37
5108.52777778 emi payable 8361.71

1.37436851702 Loan Amount 2.16009

5 15 25 Total Months 1st 7th 14th 21st

0 0 0 0 october 0 0 0 0
0 0 0 0 November 0 0 0 0
0 0 0 0 December 0 0 0 0
0 0 0 0 January 0 0 0 0
0 0 0 0 Feb 0 0 0 0
0 0 0 0 March 0 0 0 0
Total 0 Total
Average 0
0 Average balance 0
0 emi payable 0

0 Loan Amount 0

5 15 25 Total Months 1st 7th 14th 21st

0 0 0 Err:522 April 0 0 0 0
0 0 0 Err:522 May 0 0 0 0
0 0 0 Err:522 June 0 0 0 0
0 0 0 Err:522 July 0 0 0 0
0 0 0 Err:522 August 0 0 0 0
0 0 0 Err:522 September 0 0 0 0
0 0 0 Err:522 October 0 0 0 0
0 0 0 Err:522 November 0 0 0 0
0 0 0 Err:522 December 0 0 0 0
0 0 0 Err:522 January 0 0 0 0
0 0 0 Err:522 February 0 0 0 0
0 0 0 Err:522 March 0 0 0 0
Total Err:522 Total
Average 0
Err:522 Average balance 0
Err:522 emi payable 0

Err:522 Loan Amount 0

28th Total
1928 31338.2
1715 10930.6
45847 47693.2
78487 37717.8
5487 26451
8520 13103.4
27872.37
27872.37

28th Total
0 0
0 0
0 0
0 0
0 0
0 0
0
0

28th Total
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0
0
 CC SURROGATE
CC LIMIT
DATE MAY JUN JUL
1 10000000 10000000 10000000 10000000
5 10000000 10000000 10000000 10000000
10 10000000 10000000 10000000 10000000
15 10000000 10000000 10000000 10000000
20 10000000 10000000 10000000 10000000
25 10000000 10000000 10000000 10000000
TOTAL AVG 10000000
20% 2000000
EMI deducted from another bank 100000
Eligible for monthly EMI 1900000

Note - Filled only in Yellow,CC Utilization require below 98%

ABB SURROGATE
BALANCE AS ON DATE
DATE MAY JUN
1 19362818 18291955
5 17203146 15200714
10 17839498 15488921
15 17375651 15902171
20 17608574 19075193
25 18248886 18603535
TOTAL AVG 18038589
20% 3607718
EMI deducted from another bank 100000
Eligible for monthly EMI 3507718

Note - Filled only in Yellow

 BALANCE AS ON DATE
DATE MAY JUN JUL
1 0 0 0 CC Utlization 98%
5 0 0 0
10 0 0 0 Actual Utlization 0.00
15 0 0 0
20 0 0 0
25 0 0 0

TE
JUL
17994512
19209680
19534394
19752355
19055271
18947323
9800000

0
 Kotak
DSCR calculations - BL/PL EMI Details

Particulars Amt (Rs) Financier Rs

Net Profit 679300 -
Depreciation 0 Total Emi #REF!
Interest Cost 424844
Partners Interest 0
Partners Salary 0

PBDIT 0

Yearly obligation (EMIx12) 600000

Interest cost 0

Total 0

Loan amount Tenure #REF!

New Loan obligation 433833.54643 2000000 36

DSCR #DIV/0!

TOTAL #REF!
 HDFC Bank
Customer Name
CASH ACCRUALS
PAT (from P&L after Tax deduction) 646385 646385
Depreciation (from P&L) 0 0
Interest on Partners' capital (from P&L) 0 0
Salaries to Partners/ Directors Remuneration(from P&L) 0 0
Interest paid on all loans (from P&L) 424844 424844
Total 0 1071229

OBLIGATIONS
All retail obligations (Sum of EMIs) 50000 600000
Proposed HDFC EMI 36,153 433834
Outstanding of Term Loans(from B/S) 0 0
Outstanding of External Unsecured Loans(from B/S) 0 0
Interest paid on all loans (from P&L) 424844 424844

Total 1458678

DSCR 0.73

Formulae for calculating EMIs for PL cases

Loan Amount 800,000.00

Tenor 180
Rate of Interest 12
EMI 9,602
 BIL icici
Name :- Current Year Previous Year
Nature of Business :- Trader/ shopkeeper PAT 646,385 898,092 Calculation of Depreciation
NTB YES NO CY depreciation 0
Business Stability Since Eligible Income 1
'13-14 12-13 Previous Year PAT 898,092 50% of Current Year Depreciation 0
Turnover 15,593,105 18,211,207 Current Year PAT 646,385 50% of Current Year PAT 323,193
1.5 Times of Previous Yr PAT 1,347,138 Lower of Row 5 and 6 0
Debtors 5,810,500 Lower of Row 6 and 7 646,385
FOIR Calculation Turnover 15,593,105 ADD
Total Yearly Obligation (Including of Proposed Loan &
Interest on OD / CC Limits) #REF! Ratio 37% - Salary and Interest to Partners/Directors 0 Detail Current Year Previous Year
Eligible Income + Interest on Borrowings 671,585 Days ratio 136.01 - Depreciation 25,200 1 Profit Before Tax 679,300 989,702
FOIR - (B4/B5) #REF! - Amortized Expenses 0 Less : Current year Tax 32,915 91,610
- Rental Income 0 Deferred Tax 0 0
Total Income 671,585 646,385 898,092
EMI CALCULATOR Less Partners / Director (Remuneration)
Loan Amount 1,000,000 - Capital Gains 0 1 0 0
Total Tenor 36 - Extraordinary / one off Items 0 2 0
Advance EMI 0 Total Deduction 0 0 0
Net Tenor 36 Net Eligible Income 671,585 Partners / Director (Interest)
Customer IRR 18.00% Tenor 36 1 0 0
Proposed EMI 36152 Multiplier (Based on Tenor of Loan) 2 0 0
EMI For 3 Years 36152 - 12 Months : - 1 0 0
EMI For 4 Years 29375 - 24 Months : - 1.5 Rent - Other than Doctor 0 0
EMI For 5 Years 25393 - 36 Months : - 2 75% of Average rental income for last two years 0
Eligibility (Net Eligible Income * Multiplier) 1,343,170 50% of Current rental income ( if only cy rental income is there 0
Product Limit 3,000,000 Rent - for Doctor - 100%
Net Eligible Loan Amount (Lower of Above 2) 1343170
Note : - Salary & Interest paid to partners or directors will be added for those Partners / Directors who are coming as co applicant

NAME OF BANK / NBFC TYPE OF LOANDATE OF LOAN LA EMI TENURE YEARLY OBLIGATION
#REF! 12 #REF!
12 0
0 0
12 0
12 0
12 0
0 12 0
12 0
12 0
12 0
12 0
12 0
12 0
ICICI Proposed EMI 36152 12 433828.746431002

Yearly Obligation #REF!

Add: Intt. On CC 0
Net Obligation #REF!
Total Interest

Page 15
 ABB SURROGATE
BALANCE AS ON DATE
DATE Dec Nov Oct Sep Aug Jul
1 11111 11111 11111 11111 11111 11111
5 11111 11111 11111 11111 11111 11111
10 11111 11111 11111 11111 11111 11111
15 11111 11111 11111 11111 11111 11111
20 11111 11111 11111 11111 11111 11111
25 11111 11111 11111 11111 11111 11111
TOTAL AVG 399996
20% 79999
EMI deducted from another bank 100000
Eligible for monthly EMI 3507718
13000000
195000
130000
60000
385000