WHAT IS CART

“CART” STANDS FOR CREDIT

APPRAISAL AND RATING TOOL
WHY CART

 IT IS A COMPUTER SOFTWARE WHICH

ANALYSES THE CREDIT WORTHINESS OF
THE APPLICANT AND SUGGEST INTEREST
RATES ACCORDING TO THE RISK RATING.

 IT REDUCES THE TURNAROUND TIME IN

PROCESSING OF LOAN PROPOSAL AND
ENSURE FASTER DISPOSAL OF LOAN
PROPOSALS.
ADVANTAGES

 FASTER PROCESSING AND LESSER

TURNAROUND TIME.
 IMPROVE PRODUCTIVITY AND
ENSURE QUALITY.
 SIMPLE AND USER FRIENDLY.
 AUTOMATED WORKFLOW.
STEPS INVOLVED IN DOING
CART
CLICK THE SERVER

CLICK
START

MINIMISE
THE
SCREEN

OPEN
INTERNE
T

WRITE THE WEB SITE

http://localhost:8080/cart

TO LOG IN FOR CART WEB

WORK SHEET USING USER
NAME AND PASSWORS
OPENING FIELD
. OPENING FIELDS

 LOAN TYPE.
 ASSISTANCE TYPE.
 BORROWER TYPE.
OPENING FIELD OPTIONS

LOAN TYPE:
1. UPTO 10 LACS, 2. ABOVE 10 LACS.
ASSISTANCE TYPE:
1.TERM LOAN, 2. WORKING CAPITAL
LOAN, 3. T.L & W.C Loan.
BORROWER TYPE:
1. EXISTING ; 2. GREEN FIELD.
APPRAISAL MODULE.

 APPRAISAL MODULE HAS

FOLLOWING 5 SUB- SECTIONS
1. APPLICANT’S DETAILS.
2. PROJECT DETAILS.
3. WORKING CAPITAL FACILITY.
4. FINANCIAL PROJECTIONS & MARKET.
5. FACILITY DETAILS AND
RECOMMENDATION.
APPLICANT’S DETAILS

 PARTICULARS OF THE APPLICANT

 PARTICULARS OF THE BORROWER.
 PROMOTER/ MANAGEMENT.
 PAST FIANACIAL PERFORMACE .
 PARTICULRAS OF ASSOCIATE
CONCER.
 CREDIT TRACK RECORD .
PARTICULARS OF THE
APPLICANT
 Name of the Bank: Bank name comes automatically from the master details.
 Regional/ Zonal Office: Zonal Office comes automatically from the master details.
 Branch Name: Branch name comes automatically from the master details.
 Name of the Borrower: Enter the borrower name. Regd. Address: Enter the address
 Customer Code: Enter the customer code. This is alphanumeric field.
 Relationship with Bank: This is list box to select the option (New /Existing).
 Application Number: Enter the application number. Application number to be unique.
 Application Date: Enter the date of Application.. Application Date should not be of future Date.
 Date of Receipt of Application: Enter the date of receipt of application.
 Receipt Date should not be future Date. Date of receipt of Application should be greater than
the Application date.
 Date of receipt of complete info: Enter the date of receipt of complete information. This date
should not be future Date. Date of receipt ofcomplete info. should be greater than the Date of
receipt of Application.
 Site/ plant visit on: Enter the date of Site / plant visited. Visit Date should not be future Date.
Date of Site/Plant Visit should be greater than Application Date.
 Site/ plant visit by: Enter the name of officer who visited the site / plant
 Days taken for finalization of note: It is calculated automatically. (Today’s date - Date of
Receipt of Application).
 Appraisal Team (Names and Designation): Enter the appraisal team members name and their
designation.
 Attach Report: Here user can attach and upload the report. Provision available to upload
more than one report by clicking on “Attach Report
PATRICULARS OF THE
BORROWER
 PARTICULARS OF THE BORROWERS

 Constitution of the Borrower: Select the constitution from the button.(From the list
Company, Partnership etc.
 Status of the Borrower: Select the status from the list box. (From the list SSI, Service
Sector etc.
 Date of Incorporation: Enter the date. User can enter the date or can use the date
picker button.
 No. Of years in active business: Enter the no. of years of experience of the borrower
having in active business.
 No. Of years in similar line of business: Enter the no. of years of experience the
borrower having in similar line of business.
 This should be less or equal to No. of years in similar line of business.
 Scheme Name: Select the scheme name from the button.
 Industry: Select the industry from the button.
 Product: Select the product from the button.
 Capacity: Enter the existing and proposed capacity of the unit
 PROMOTER/MANAGEMENT
 Name: Enter the name of the promoter and select whether entered name is a Chief promoter /
partner / promoter / Guarantor / giving unsecured loan by check / uncheck the button.
 Father’s / Husband’s Name : Enter the father / husband name of the promoter
 Age : Enter the age of the promoter.
 Gender : Enter gender of the promoter
 Qualification : Enter the qualification of the promoter.
 Relationship with the chief promoter : Enter the relationship between the chief promoter and the
name of the person entered in this section tab as promoter.
 Networth : Enter the networth amount of the promoter in Lakhs.
 As on Date : Enter the date on which networth is calculated / considered for the promoter. Enter
the date in dd-mm-yyyy format.
 Permanent / Present address / Residing since: Enter the address.
 Regarding ownership, by default “Owned” is selected. User can change the status to “rented” by
clicking on it. Similarly for the Present address. Enter the date of residing in that address in dd-
mm-yyyy format.
 Passport No / Issued From : Enter the passport number of the promoter and place of issue of
Passport. PAN No : Enter the PAN (Permanent Account Number) of the Promoter.
 Tel No.: Enter telephone number of the promoter. Enter only numeric and special character.
 Mobile No.: Enter mobile number of the promoter.
 Existing Security already offered to Banks / FIs : Enter the list of securities already offered by the
promoter to banks and financial institutions
COMMON TO ALL PROMOTERS
 Brief Comments on Cohesiveness of promoters/group(interrelationship,
succession plan etc.) : Comments on the cohesiveness of promoters /
group to be entered.
 Brief Comments on background and experience of the promoters :
Comments on background and experience of the promoter to be
entered.
 Brief Comments on Management of proposed project (past track record
in implementation of similar projects) : Comments on management of
proposed project and track record in implementation of similar projects
to be entered.
 Brief Comments on Corporate governance (based on interaction with
promoters/ quality of information / visit) : Comments on corporate
governance based on interaction with promoters / quality of information
to be entered.
 Brief Comments on promoters' entrepreneurial competence in terms of
experience, industry knowledge and financial resourcefulness :
 Comments on promoters entrepreneurial competence in terms of
experience, industry knowledge and financial resourcefulness to be
entered.
PAST PERFORMANCE
PAST PERFORMANCE

 Net Sales / Income

 PAT (Profit after Tax)
 Gross Cash Accurals (PAT+Depreciation+Amortization)
 NPM (PAT/Net Sales *100)
 Gross Cash Accurals / Net Sales (Gross Cash Accruals/Net sales*100)
 Net Working Capital (Total Current Asset-Total Current outside liability)
 Networth ( Promoters Capital, Reserve& Surplus, Share Money
etc)
 Secured Debt
 TOL / TNW (Total Outside Liability/Tangible Networth)
 DER (Debt Equity Ratio)
 Current Ratio ( Current Asset/Current Liability)
 Inventory Days (Average Inventory*365/Cost of the Goods Sold)
 Debtor Days ( Average Debtors*365/Direct Income)
 Creditor Days (Average Creditors*365/Net Purchase)
ASSOCIATE CONCERN DATA
 Name: Name of associate concern.
 Constitution: Select the constitution from the list box.
 Location : Enter the location of Associate Concern.
 In Existence Since : Enter the existence year of the associate concern (in
dd/mm/yyyy format). Here select whether the associate concern is
“Active” /“Dormant”.
 Product: Select the product from the list box.
 Net worth: Enter the net worth value of the Associate concern in Lakhs.
 Turnover : Enter the Turnover value of the Associate concern in Lakhs.
 Net Profit (Last F-Year) : Enter the Net Profit of the Associate concern for
 the last year in Lakhs. Net Profit (Last but one FYear) : Enter the Net Profit of the
Associate concern for the last but one year in Lakhs. by the system in 2 decimal
format.
 Comments on financials of the associate concerns, especially flagship/ main
concern : Enter the Comments on financials of the associateconcerns, especially
flagship / main concern. This field is common for all associate concerns.
 Comments on problems, if any, being faced by any of the associate concern(s) :
Enter the Comments on problems, if any, being faced by any of the associate
concern(s). This field is common for all associate concerns.
CREDIT TRACK RECORD
 Bank Name : Enter the name of the bank where Borrower / AssociateConcern is
having the relationship. If the borrower / associate concern is not having any
relationship with the bank, select “No”. Otherwise, select “Yes” and enter the Bank
Name.
 Bank Branch Name and Address : Name of the Branch and Address of the branch
where Borrower / Associate concern is having the relationship with the Bank
 Dealing Since : Enter the year when borrower / associate concern started
relationship with the Bank.
 Asset Classification : Enter the asset classification. Sanctioned (Fund Based TL,
Fund Based WC / Non Fund Based) :
 (Enter numeric Value) Enter the amount sanctioned by the bank to the borrower /
associate concerns in Lakhs.
 Outstanding / Utilisation (as on Date) (Fund Based TL, Fund Based
 WC / Non Fund Based) : (Enter numeric Value) Enter the outstanding /utilization
(as on date) and amount by the borrower / associate concerns out of amount
sanctioned by the bank in Lakhs.
 Rate of Interest : (Enter numeric value) Enter the rate of interest for the assistance
taken by borrower / associate concerns from the bank
 Nature of Security and Value : Enter the details about the security already offered
to any FIs
 Banker’s report received : Select whether the banker’s report received /not. If received
whether it is satisfactory or not.
 Discussion with the banker : Enter details about the bank contact person name, phone
number with whom discussions held and gist of discussions in details.
COMMON FIELD

 Market enquiries made : Details about the market

enquiries made, Key persons contacted and gist of
discussions
 RBI Caution List : Enter comments on the scrutiny of RBI
Caution List. RBI Willful Defaulters List : Enter comments
on the scrutiny of RBI willful defaulters list.
 RBI Defaulter List : Enter comments on the scrutiny of
RBI Defaulter List.
 CIBIL List : Enter comments on the scrutiny of CIBIL List.
 ECGC SAL : Enter comments on the scrutiny of ECGC
SAL (if applicable)
 COST OF THE PROJECT
(Rs in lacs)
HEADS INCURRED TOTAL
LAND    
CIVIL CONSTRUCTION    
PLANT & MACHINERY    
i) Indigenous    
ii) Imported    

MISC. FIXED ASSETS    

P.P EXPENSES    
MARGIN MONEY FOR W.C    
CONTINGENIES.    
OTHERS    
MEANS OF FINANCE

S.L NO PARTICULARS RAISED TOTAL

       
1 PROMOTER'S CONTRIBUTION    
  Addition (Share) Capital    
  Internal Accruals    
  Intt Free Unsecured Loan.    
       
2 TERM LOAN    
       
3 OTHERS    
       
  TOTAL    
MEANS OF FINANCE
WORKING CAPITAL ARRANGEMENT
TECHNICAL ASPECTS
WORKING CAPITAL
ASSESSMENT
FINANCIAL PROJECTION
INDUSTRY, MARKET,
SELLING ARRANGEMENT.
RECOMMENDATION
 RATING ANALYSIS
 The objective of the Rating model is to analyse the
Borrower on defined parameters and suggests the Interest
Rate / Rating Value / Rating description for the borrower /
assisted unit.
 User is required to select the appropriate option under
each rating parameter. Once all the rating parameters are
filled under all sections, system shows the interest rate /
rating value / rating.

THE RATING PART CONTAINS FOLLOWING SECTIONS

1. MANAGEMENT.
2. FINANCAL
3. BUSINESS & OPERATIONAL
4. INDUSTRY
THANK YOU