Checklist for submitting credit proposals

(Fresh Proposal)

Applicant: M/s Vishnu poultry farms. Kazipet branch, Warangal District

S. Documents Yes/No/ In case of “No”,
No. N.A. justification/timeline
1. Loan application Form(In prescribed format) Yes
Documents as per details mentioned in loan application format:
1.1 Address Proof of promoters, concern & guarantors (Copy of
Aadhar Card/Passport etc.) Yes
1.2 PAN Card of concern/group concerns/promoters/guarantors Yes
1.3 Category, wherever applicable
1.4 Partnership Declaration (In case of Partnership) Yes
Article & Memorandum of Association/Board Resolution/
incorporation/ Commencement certificate (In case of
company)
Trust Deed in case of Trust etc as per constitution
(Whichever is applicable)
1.5 Registration Certificate/s/ IE code, wherever Yes
applicable/Licenses/Statutory approvals
1.6 Sanction Advice of other banks (In case of NA
multiple/Consortium Banking Arrangement/ takeover)
1.7 Insurance policy of Primary & Collateral Security Yes
1.8 IT returns with acknowledgements/ computation sheet of
Concern/ Sister concerns/promoters/ guarantors and NA
Assets & liability statement thereof
1.9 Copies of properties related documents offered as security Yes Legal opinions submitted
(Not to be sent to SARAL)
1.10 Brief Note:
- Background of promoters/Concern Yes
- Change in shareholding pattern, pledge/encumberance of
shares, wherever applicable
- Exposure details from Banking system (Existing, if
any/proposed)
- Updated status of payment of statutory dues.
2. Credit Information Form of Concern/ promoters/guarantors Yes Credit Reports attached
along with reason for variation from last means, if any. (Credit
report compiled by branch to be sent to SARAL)
3. CMA data with projections Yes
Break-up of following financials should be submitted:
3.1 Aging of debtors i.e. receivables over six months & below NA
3.2 Export/domestic sales NA
3.3 Import/domestic purchase NA
3.4 Loans and advances including to sister/subsidiary concerns NA
or promoters
3.5 Unsecured loans (w/w quasi-equity/relation/interest paying NA
or not)
3.6 Non-current assets NA
4. Financials:
4.1 Audited balance sheet of last three years, wherever Yes
applicable along with audit report, notes on account and
annexure of the concern.
4.2 Latest Audited balance sheet along with audit report, notes NA
 on account and annexure of the Sister Concern/s.
4.3 Provisional balance sheet of the concern (Wherever, audited Yes
balance sheet of immediately preceding year is not
available)
4.4 Month-wise sales-purchase of previous year and current NA
year
4.5 Comments on financial projections including sales Yes
(Domestic/Export), profit margins, induction of additional
funds, creation of fresh assets.
4.6 Original Value of Plant & machinery, in case not available in NA
the latest balance sheet
5. 5.1 VAT returns of previous year and current year, wherever NA
applicable
5.2 Last Sales tax Assessment Order, wherever applicable NA
5.3 Major customers/buyers NA
6. Term Loan
6.1 Project Report (To be covered under TEV report, wherever
applicable) (Including background of project, financial
projections upto tenor of loan & assumption thereof, Cost of
project & means of finance, Details & cost of machinery,
supplier of machinery, quotation/Performa invoice from
suppliers, Source of promoters contribution, installed
capacity calculation, estimates from architect, NA,
statutory/regulatory clearances and approvals, location, Existing
marketing arrangement, competition & raw material
availability, drawdown schedule, repayment schedule,
implementation schedule, project consultants & their
background etc.)
6.2 CA certificate on cost incurred on the project and means of
finance
6.3 Architect certificate on physical progress of the project,
wherever applicable
7. Bank Guarantee
7.1 Details of existing/fresh BG requirement (Work order, Name
of principle, date of allotment, Value of order, %
completion, Guarantee issued/to be issued, due date &
Expected date of completion, total receipts etc.) NA
7.2 Nature of BG, Assessment of BG, Period of BG & Margin
on BG
8. Letter of Credit
8.1 Pattern of purchase (Including name of major suppliers, LC NA
beneficiaries)
8.2 % of purchase under LC
8.3 % of import & local purchase
8.4 Duties and Octroi
8.5 Nature of LC, Usance period, Lead Time and Margin
10. Cash Budget projections, wherever applicable NA
11. CA certificate on induction of promoter contribution/margin, NA
wherever applicable
12. Order Book Position/List of project (Executed/Under NA
Implementation/Received/ Proposed), wherever applicable
13. Statement of Accounts of other banks, wherever applicable NA
14. Reports as per as per IC 8731 dt.04.08.2010 for NA
multiple/consortium banking accounts, wherever applicable:
14.1 Minimum Information to be declared by borrowing entities
to Banks
14.2 Diligence report Yes
15. Brief note:
 15.1 Unhedged Foreign currency exposure, wherever applicable NA
15.2 In case of takeover, reasons for shifting the account.
NA
16. Other documents, if any NA
❖ In case documents/details are already submitted to the branch, the same may not be submitted again
normally at the time of renewal/enhancement.
❖ Branch should specifically list out the applicable documents from the above checklist, which are to be
submitted by the applicant.
❖ KYC documents need not be sent by the branch unless specifically sought by the SARAL.

Branch:kazipet, Hanamakonda District

- External
S. Documents Yes/No/ In case of No,
No. N.A. justification/ timeline
1. ROC search report including CIN/DIN number & copy of NA
annual returns filed therein (Applicable in case of companies)
2. TEV Report, wherever applicable NA
3. LIE report, wherever applicable NA
4. CIBIL report of Concern/ Sister concerns/promoters/guarantors
and CRILC report of concern/sister concern Yes
5. Copy of last Sanction note and modification thereof (In case the NA
proposal was earlier dealt at Branch level)
6. Credit report from other Banks of concern/group concerns
(Should not be older than 1 year in case of existing accounts) NA
7. Legal/Valuation report/s of property/s (Primary/Collateral)
(In case of takeover, valuation/legal report obtained by other Yes
bank, if possible may be obtained)
8. Stock Audit Report, wherever applicable (To be enclosed) NA
9. Minutes of JLF, wherever applicable NA
10. Lead Bank Assessment Note (In case of consortium) NA
11. Minutes of last Consortium meetings (In case of consortium) NA
12. Other documents, if any NA

- Internal
S. Documents Yes/No/ In case of No,
No. N.A. justification/timeline
1. Due diligence Report of Borrower including adverse market Yes
report, if any
2. Due diligence/Inspection report of property/s Yes
(Primary/Collateral)
3. Due diligence of latest Audited B/S for FY_2022___.(As per IC Yes
9751 dt.28.11.2013)
4. Pre-sanction Inspection report Yes
5. Credit report of Concern/ promoters/guarantors Yes
6. Technical Inspection report, wherever applicable NA
7. RBIA/Flash/Special Report/RBI Audit/Concurrent Audit NA
(Relevant portion to be Enclosed)
8. Charge Creation Certificate (ROC) NA
9. Letter of approval of Term sheet, wherever applicable NA
10. Certificate of documents verified from original by the branch. Yes
11. CPA report, wherever applicable NA
12. Qualitative comments on operational performance Yes
13. Letter of Recommendation Yes
14. Other documents, if any NA
❖ Minimum documents for initiating the credit appraisal should be submission of details required from the
applicant/branch for compilation of prescribed appraisal format.
❖ N.A. denotes Not Applicable

(Signature)
Name of Branch Manager: Ch Suresh Babu

1. Co-ordinator

2. Work Cell Manager

Note: The activities to be undertaken by SARAL wherever applicable without insisting the same from the
branch is enclosed as Annexure-_____.

1. Inputting of Sector/BSR code

2. Inputting of Delegated Authority
3. Obtaining Market value of shares from BSE/NSE website
4. Financial Diligence including assessment of credit facility, Break-up of financial indicators/Cash flow/Fund
Flow & comments thereof, scrutiny of audited/provisional balance sheet as well as CMA, computation
of % of net worth to contingent liabilities,
5. Comments on utilisation of short term funds to long term uses and utilisation of debt raised by
sister/subsidiaries as equity in the concern as reflected in submitted Balance Sheet of concern/group
concern/s.
6. Financial break-up of balance sheet of sister concern/subsidiary & consolidation thereof.
7. Output Generation of MMR (Prepared by the branch) from the system.
8. Obtaining details of External Credit Rating
9. Obtaining Quarterly published results from BSE/NSE website
10. Analysis of Peer group performance as per available Industry data.
11. Assessment of Business Risk as per due diligence report/Qualitative comment on operational performance
compiled by branch and Industry Risk as per Industry Reports
12. Validating compliance of RBI guidelines/Loan Policy
13. Preparation of Template for Restructuring as per Bank’s guidelines
14. Output Generation of outstanding balance against the credit facilities from the system.
15. Inputting other liabilities of directors/promoters as per CIBIL report/Credit reports compiled by branch.
16. Inputting Bank’s Exposure to Industry (Information to be filled in by Central Office)
17. Computation of Capital Charge
18. Inputting Prudential exposure norms
19. Inputting Industry norms as per approved rating agencies on holding level., wherever applicable
20. Inputting applicable standard terms and conditions as per IC9287 dated 16.05.2012
21. Presentation of MIS template in Executive Summary
22. Presentation of Flow chart in Executive Summary
23. Inputting of details pertaining to Internal Rating
24. Generation of quantitative operational data available in the system.
25. Formatting as well as presentation of data as per Executive Summary format.
26. Vetting of scrutiny of RBI defaulters’ / caution list / caution list of exporters / wilful defaulters /ECGC
SAL List/CIBIL Lists (Individual, Non-individual, Mortgage & Detect) /CRILC List.
27. Customer relationship value, wherever applicable