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Mamoor h. RactherDalhr 3503
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Ohnd fhetk DYaU-9S9r VKuns
en's Laeom S>B09
Ayon hmot ha' 1305
bar KUNZER
T RG
(KAB)

Beijtgorealie CLadlnel0303 TTed.

eTet pue I9589
Torhuy geneal Sr ogny e 1903
Támee Ahd Jorgpey 14S2

Signăturg gfAuthorised O cer

BAIK
Rer(

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 Debl list
ot
CNew eanal

Yes eeenBJerrsea
oeshea OSOS
erlerpeiep CmeAlad -30939
Semdauei MaikeTing geny /39604
Co'
loco0
Meyom gat Ganfsiy (A00
SdeeeTerfrttesr I20c00
TáTal

'AB. SAisAM WANI & SO

KUNZER TANGNIARG (KN

SignătureofAuthorisedOf cer
KN

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 Adv 25
JSK Bank
as46
To,
The President / Vice-President/ Executive Manager
inspection report of stocks hypothecated / pledged to the Bank

Name of the inspecting DffcerPeer

Of cer Mácnd
Designation Ssr. Manaser
Name of the of cer who last inspected. Cefcee
1. Borrower's Name ABdul Salsm ak Cons
2. Nature of Business
Retail tnde) halesale h kigan
3. Location of stock hypothecated
Cateamatfor
4.Limit
Sanctioned S a
5. Security held

Lay Stock (detail to be furnished at the end of report)

b) Particulars of collateral security, if any held

- Reneul/Aprat euelosed.

6. Value of stocks indicate whether

market Value / invoice value cost price

7. Margin Stipulated-

8. Drawing Power law.

9. Balance outstanding as on

10. Name of insurance company with whom

stock / collateral Security insured.

11. Amount of insurance

12. Expiry date of insurance policy / policies

13. Date of visit by Branch Head/lnspecting Of cer- \4.09. 2o

14. Findings of Branch Head/lnspecting Of cer in detail. SATISRATO

Slgnăture ofAuthorised Of cer

&AIKIS

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 Certi cate of the Inspecting Of cer
Whether

1. Bank's name board exhibited at the godown / shop

if waved by central of ce please quote
letter no. & date

2. Godown / shop does not contain stocks other

than those hypothecated to bank

3 Turnover in the stock is satisfactory and

re ected in the account

4. The stocks are of good quality and marketable

at a rate not less than quoted by the
borrower

5. Stocks are in the godown / shop in accordance

with the records of the borrowers

6. The stock held under hypothecation are not beyond the stipulled period ,.
mentioned in the sanction

7. The stock / collateral security have been insured

to be extend of the full value

Details of Security

Date of Particulars Quantity Rate Value

Storage

Kenwed eredosead

ghature ofAúthorisedOf cer

KunzesS

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 SUBJECTIVEPARAMETERSCORINGSHEETOF MS ABDULSALAM WANI &
SONS-
0546020100000052
MODEL: SBS ANNEXURE 1-B

FINANCIAL RISK SCORING SHEET

SELECT
APPROPRI
PARAMETER ATTRIBUTE REMARKS
ATE
OPTION
As peraccountíngstandards with no adverseremarks from
Excellent auditors
Minor deviations from Accounting Standards and has minor
Accounting Good impact on the companies nancial position
quality
Signi cant deviations from Accounting Standards and has
Marginal signi cant impact on the companies nancial position
Weak Accounts not reliable
Excellent Less than 25 percent
Contingent Good 25 to 50 percent
Liabilities/ Net
Worth Marginal 50 to 75 percent
Weak Greater than 75 percent

BUSINESS RISK SCORING SHEET

SELECT
APPROPRI
PARAMETER ATTRIBUTE REMARKS
ATE
OPTION

Product has no substitutes or regulatory threats. Therefore,

Growth demand will remain stable or grow
Sales Trend Product has limited substitutes (Other brands or products) and
Marginal regulatory threats; however, this will not pose a threat to the
(Product)
Growth borrower
Demand for product may be affected by lower priced
Uncertain substitutes and regulation;
Demand for product faces serious threat due to substitutes or
Decline regulation.
Product does not face any seasonality either from demand or
Low supplyside
Product
Marginal Product is seasonal from supply side but not from demand side
seasonality
High Product is seasonal from demand side but not from supply side
VeryHigh Product is seasonal from both demand and supply sides
Competition Current business scenario not expected to lead to decline in
impact on Gross Low Gross Margin
Margin Average Competition may result in marginal decline in Gross Margin.

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 Competition has resulted/may result in signi cant decline in
High GrossMargin.
Gross Margin has declined signi cantly due to competition and
VeryHigh expected to decline further.
Thereare noforeseenchanges in the directindirect tax
structure or import/export restrictions which could impact the
Low pro tability of the product.
Some changes are foreseen in the direct/indirect tax structure
or import/export restrictions. These may have some impact on
Average the pro tability of the product.
Impact of duties Some changes are foreseen in the direct/in direct tax structure
(Product) or importlexport restrictions. These may have a major impact
on the pro tability of the product and affect viability of marginal
High players.
Signi cant changes are foreseen in the direct/indirect tax
structure and/or import/export restrictions. These may have a
signi cant impact on the pro tability of the product and viability
VeryHigh ofplayers.
Technology is not expected to change in the long run; or
Low technology risk is not relevant.
Technology Technology is unlikely to change in the medium term; or
Dependence Average Largely irelevant
(Product) High Technology likely to change in the medium term.
Outdated technology or technology subject to very fast
VeryHigh obsolescence.
Low Unlikelytofacepollution relatedproblems in future.
Environmental |Average Limited likelihood of facing pollution related problems in future.
impact (Product) Polluting product but complies with curent norms which are
High subject to change.
VeryHigh Polluting product and does not comply curent noms
Diversi ed customer base having reasonable size, stable
purchase patten from the rm and likely to pay outstanding
Excellent invoices on a timely basis.
Generally diversi ed customer base who may not have either a
reasonable size or a stable purchase pattem from the rm but
is likely to pay outstanding invoices on a timely basis. There
Customer quality Good maybe a few large customers.
& concentration
Customer base has neither reasonable size nor a stable
purchase pattem from the rm but is likely to pay outstanding
invoices on a timely basis. The n may have only a few
Marginal customers with little product diversi cation
Customers are not expected to pay on time. The n may
Unfavourable have only 1-2 customers.
Borrower has a choice of suppliers supplying quality goods &
Excellent services.
Borrower has a choice of suppliers supplying average quality
Supplier reliability Good goods & services.
& concentration
Borrower has very few suppliers supplying goods & services.
Marginal Quality of goods & services is not very good.
Weak Monopolistic situation with no control over quality.

9
Tgeo).

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 MANAGEMENT RISK SCORING SHEET

SELECT
APPROPRI
PARAMETER ATTRIBUTE REMARKS
ATE
OPTION
Promoter has a well-established reputation and track record of
Excellent honouring its commitment even under adverse circumstances
Promoter has a good standing in the business community and
Good by and large, is known to honour its commitments
Integrity Promoter has a mixed reputation, and has reneged on some of
Marginal its business commitments in the past for a variety of reasons
Promoter has a history of willful default and/ or diverting
borrowed funds, or no positive information could be obtained
Doubtful about management'sintegrity
Promoter is highly involved in the business either because of
substantial nancial/reputational exposure to the business or
because the business contributes signi cantly to his overall
Excellent business investment
Promoter is fairly committed to this business but also has
substantial investment in other businesses, the relative fortunes
Business High of which could dilute his commitment to this business
Commitment This business occupies only a small portion of his time and
investment, and his most signi cant business interest lies
Marginal elsewhere
No involvement of the promoter, business merely a legacy or
promoter diversifying into other areas where his involvement
will increase in future; or unable to gauge commitment of
Low promoterto thisbusiness
Promoter is nancially very strong and has other independent
sOurces of income which could support this business in adverse
Excellent situations.
Promoter is nancially strong, but may have other businesses
that may not be doing well or could need funds for meeting
Financial Good personal expenses
Strength Promoter's nancial strength is reasonable: however fund
requirements from other business interests/personal needs
Marginal could affect thisbusinessadversely
Promoter has poorlquestionable nancial strength; Or widely
Weak differing opinions obtained
Management is very skilled, well organised and is
Excellent knowledgeable about the business
Management has reasonable skills but weakness in one or two
Good areas is evident.
Management
Management exhibits limited skills, and does not have a
competence
Marginal completeunderstanding of thebusiness.
Management exhibits a total lack of skill, with decisions
appeaning to be illogical. Consequently, loan repayment could
Inadequate be at risk
Business Excellent business acumen and experience in the line of
experience Excellent business

6. Conditions of present business and market reputation (give details)

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 Adequate business experience in the line of business or has
excellent credentials in another business, which could be
Good extrapolated in this line of business
Marginal Fair experience in the business, but not much success
Inadequate Little or no business experience
Internal Control is fairly good and is dependent on the
Excellent management's long standing relationship with employees.
Intermal Control is good, largely because of
Internal Control Good promoter's/manager'sphysicalparticipationinbusiness
Internal Control is not very tight and employees have too much
Marginal discretion.
No internal control at all - the management does not have a
Inadequate clue as to what is happening
Motivated and loyal employees who have a sound
Excellent understanding of the business
Employee Good Employees are loyal but do not have much experience
Relations/quality
Marginal Employees are not motivated and not very competent
Weak Employees are demotivated and incompetent.
Well-de ned succession plan in place; business not dependent
Excellent on oneperson
Business dependent on one person at present, but in the event
of incapacitation of that persorn a good succession plan is in
Good place
Succession Succession is not addressed adequately and hence dealing
planning with a change in the management team could adversely affect
the borrower's performance; however the damages can be
Marginal contained
Succession has not been addressed and in the event of
incapacitation of the key person, the business would suffer
Inadequate nancial setbacks
Promoter has never violated any terms or conditions of any of
its loan agreements in the past. In other words, management
Excellent has an impeccable track record
Promoter is known to have dishonoured or rernegotiated some
tens and conditions of its loan agreements, which are not
Credit Track signi cant breaches. Such actions can be attributed to reasons
Record Good that are beyond the management's control
Promoter has been known to renegotiate/breach signi cant
terms or conditions of its obligations, the reasons of which are
Marginal not entirely beyond the management's control
Promoter has a dubious record in honouing its credit contracts
Weak for all kinds of reasons

Above 10 Yrs Fimm in existence for more than 10 years

Firm's Age 5-10Years Firm in existence for between 5-10 years
2-5 Years Firm in existence for between 2-5 years
Below 2 Yrs Firm in existence for less than 2 years

General Excellent relationship with suppliers with no disruption of

Reputation supplies. Excellent reputation with customers resulting in
VeryHigh growth and timely payments.

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 Good relationship with supplers with some disruption of
supplies. Good reputation with customers resulting in growth
High andgenerallytimelypayments.
Fair relationship with suppliers with frequent disruption of
supplies. Fair reputation with customers but increase in credit
Marginal period and some defaults.
Poor relationship with suppliers. Poor reputation with
customers with substantial increase in credit period and high
Low defaults.

ONDUCT OF ACCOUNTS

PARAMETER ATTRIBUTE REMARKS

Less than 4
4 to 7 times
Number of times DP/ imit
overdrawn 7 to 10 times

3 Greater than 10 times

Cumulative no of days DPAimit Less than 30

exceeded
4.
Number of days interest overdue
Number of cheques/bills payatble by
the borrower returmed
From 30 to 60 days
Greater than 60 days
1 Payments are received on or before due date
2 Payments are received within 1 month of the due date
3 Payments arereceived within 1 quarter of the due date
Payments are delayed more than 1 quarter from the due
4 date
None
Lessthan 3 times
3 to 8 times
Greater than 8 times

None
Number of LG/BG issued in favour 1

of buyer devolved/invoked From 1 to 5

Greater than 5
e.g. Quaterly infommation Statements, Monthly Stock
Within due date Statementsetc.
Delay in submission of renewal Within 15 days
proposal/statements by borrower Within 30 days
Generaly received 30
days after due date
5. Cc

6. Conditions of present business and market reputation (give details)

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 Actuals are within 10 percent of projected sales
2 Actuals are between 10 to 30 percent of projected sales
rance in projected sales versus
actual sales 3 Actuals are within 30 percent of projected sales
Wide variance - Actuals are more than 50 percent of
projected gures
Promptly
pelay in recti cation of inspection Within 15 days
iregularities by borower From 15 to 30 days
Over 30 days
Excellent Complied fully - Security and nancial covenants
Delay in compliance of sanction Good Complied with creation of security
order conditions by borrower Marginal Complied with nancial covenants only
The sanctioned/disbursement conditions have not been
Not complied complied
Greater than 90%
B.
Between 85% and
Credit summation/Sales (%)- 90%
excluding cheques returned
(percentage) Between 75% and
85%
Less than 75%
On time
Delay of less than 1
b Delay in submission of Audited month
Balance Sheet to Bank From 1 to 3 months
C

d) Greater than 3 months

e)

Con

onditions of present business and market reputation (give details)

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 Individual/sole Proprietary Concern
J&K Bank CREDIT REPORT Adv-90
Business Unit....... Kun34.
1. Full name, age and address of the party: dul Salawwani eo kehmign
2. Particulars of occupation/business-
(in case of individuals in service indicate status and salary)

a) Head of ce & Branches Can.

b) Constitution. Dmdindual
c) Agriculturist/Non-Agriculturist Aerwtycit
d) Father's name Atyou! aed we~
e)

f)
Year established
Particulars of other business if any
05
3. Estimated net means details (oerleaf) See ias ove)ek
200. 200.

4. other Information: Rs. Rs.

a) Sales for the last two years

b) Purchase for the last two years Aaea erdose.
c) Pro t for the last two years
d) Income tax paid for the assessment
200
e) Observation on previous dealings

e.g ) Operation in the account and turnover of stocks

Amount Particulars
5. Contingent liabiligties on guarantees etc. Rs.

6. Conditions of present business and market reputation (give details)

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 PARTICULARS OF MEANS (VIDE ITEMS 3)

1. Assetsof the rmindividualsas on...>l-3-o)9

a) Fixed assets (immovable properties, Plant and machinery etc.
Description Location Estimated Market
Value Rs.
1.
2.
3.
etc

b) Liquid Assets Rs. 1.47

I) Cash and Bank balance Rs. 2912
ii) Stocks
i) Sundrydebtors, billsreceivable (a+b)
Rs.
Rs
9.41
iv) Other Assets Sub Total (a) Rs.

c) Details of assets in the; personal name of the proprietor of the rm other those indicated above

Properties Description Estimated Value

a) Movable
b) Immovable Residetin Mrane cichmatipoa
ala
2
c) etc

Sub Total (b) Rs.

Total (a+b+c) Rs. (4S-ss

2. Less Liabilities:
1. From our bank
(give details)
es
2. From other banks
(Specify limit and security)

3. From Private persons etc. Rs. Rs.

4. Due to suppliers Rs..
Estimated net worth (-2) Rs.
7. The name and address of person/s bank from whom I have made inquiries are as follows:

Date of Name and address of party/ His/their address of the worth of Is the information given
Opinion bank from who opinion the partyy (verbatim reported oral or in writing
received or enquires made should be given, if from bank)
1
2 3 4

hsom

sel all

I have made independentenquires about the position above of the party and l am satis ed that the
information above furnished to the best of my knowledge and belief and is correct.
All the properties both immovable and movable detailed above are to be unencumbered.

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 Individual/sole Proprietary Concern
SJSK Bank CREDIT REPORT Adv-90
BusinessUnit.... *. uorente
1 Full name, age and address of the party

2. Particulars of occupation/business Capleyee

(in case of individuals in service indicate status and salary)

a) Head of ce & Branches Auealan Sept

b) Constitution nelidual
c) Agriculturist/Non-Agriculturist Amewkit
d) Father's name Au lat lone
e) Year established

f) Particulars of other business if any [poted,

3. Estimated net means details (overleaf) ee e4e
200. 200.

4. other Information: Rs. Rs.

a) Sales for the last two years

b) Purchase for the last two years
c) Pro t for the last two years
d) Income tax paid for the assessmént
200
e) Observation on previous dealings Stifaue
e.g ) Operation in the account and turnover of stocks Ldor

Amount Particulars
5. Contingent liabiligties on guarantees etc. Rs.

uennti

6. Conditions of present business and market reputation (give details)

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 PARTICULARS OF MEANS (VIDE ITEMS 3)

1. Assets of the rm individuals as on

a) Fixed assets (immovable properties, Plant and machinery etc.
Description Location Estimated Market
Value Rs.
1

2
etc

b) Liquid Assets Rs.

I) Cash and Bank balance Rs.
ii) Stocks
iltand,
ii) Sundrydebtors, ls receivable (atb)
Rs.
Rs
iv) Other Assets Sub Total (a) Rs.

c) Details of assets in the; personal name of the proprietor of the rm other those indicated above

Properties Descriptio... Estimated Value

a) Movable
b) Immovable KWouse aly Chna.
c) etc
Unlemeal
Sub Total (b) Rs.

Total (a+b+c) Rs.

2. Less Liabilities:
1. From our bank Rs.
(givedetails)
2. From other banks Rs.
(Specify limit and security)
3. From Private persons etc. Rs. Rs.

4. Due to suppliers Rs. Rs.

Estimated
networth(-2)Rs. tot. lo
7. The name and address of person/s bank from whom I have made inquiries are as follows:

Date of Name and address of party/ His/their address of the worth of Is the information given
Opinion bank from who opinion the party (verbatim reported oral or in writing
received or enquires made should be given, if from bank)
1 2 3 4

rey a
as

I have made independent enquires about the position above of the party and I am satis ed that the
information above furnished to the best of my knowledge and belief and is correct.
All the properties both immovable and movable detailed above are to be unencumbered.

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 Individuallsole Proprietary Concern

JsKBank CREDIT REPORT Adv-90

Business Unit....
tuarsnty
1. Full name, age and address of the party : Mir aNeed Salee
2. Particulars of occupation/business

(in case of individuals in service indicate status and salary)

a) Head of ce & Branches ductiom Drpatnest

b) Constitution. hdiidusl
c) Agriculturist/Non-Agriculturist ksscuturist
d) Father's name

e) Year established.
f) Particulars of other business if any Na Icpoted.
3. Estimated net means details (overleaf) See Atel redet
200. 200.

4. other Information: Rs. Rs.

a) Sales for the last two years
b) Purchase for the last two years
c) Pro t for the last two years
d) Income tax paid for the assessment
200
e) Observation on prelous dealings

e.g ) Operation in the account and turnover of stocks

do

Amount Particulars
5 Contingent liabiligties on guarantees etc. Rs.
yuorte
do-

6. Conditions of present business and market reputation (give details)

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 PARTICULARS OF MEANS (VIDE ITEMS 3)

1. Assets of the rm individuals as on ..

a) Fixed assets (immovable properties, Plant and machinery etc.
Description Location Estimated Market
Value Rs.
1.
2.
3.
etc

b) Liquid Assets Rs.

I) Cash and Bank balance Rs.
ii) Stocks Rs.
ii) Sundrydebtors,billsrepeivable (a+b) Rs
iv) Other Assets Sub Total (a) Rs.

c) Details of assets in the; personal name of the proprietor of the rm other those indicated above

Properties Description Estimated Value

a)Movable Reicletia Wewe
b) Immovablend arehad
c) etc
and.
Sub Total (b) Rs
5.las
Total (a+b+c) Rs. 8S-c lee.
2. Less Liabilities:
1.
(give
Fromourbank Do
details)or u
Rs. .c
2. Fromother bankąoc Rs. 3.6.
(Specifylimitand šeeity)
3. From Private persons etc.

4. Due to suppliers
Rs. / Rs
Rs. Rs.
Estimated net wo Rs.
7. S.wen
The name and address of person/s bank from whom I have made inquiries are as folows:

Date of Name and address of party/ His/theiraddress of the worth of Is the information given
Opinion bank from who opinion the party (verbatim reported oral or in writing
received or enquires made should be given, if from bank)
1 2 3 4

Mrey
enoum Grelly

Ihave made independent enquires about the position above of the party and I am satis ed that the
information above furnished to the best of my knowledge and belief and is correct.
All the properties both immovable and movable detailed above are to be unencumbered.

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