charkop branch sip report
TRANSCRIPT
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LOANS AND ADVANCES MSME SECTOR AT TJSB BANK
Submitted By
Mr. Nikesh Rewashankar Rawal
UNDER THE GUIDANE !"
#r$%. Ra&indra Raswalkar '"a(ulty Ment$r)
Mr. Ash$k Sat*ute 'Bran(h Mana+er , Industry Ment$r)
#R!-ET RE#!RT SUBMITTED IN #ARTIA !M#ETI!N !" MMS
T!
Dur+ade&i Sara% Institute $% Mana+ement Studies
AT
The T-SB Sahakari Bank td./ hark$* Bran(h
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Dur+ade&i Sara% Institute $% Mana+ement Studies
Malad '0est)/ Mumbai
STUDENTS1S DEARTI!N
This is t$ de(lare that the study *resented by me t$ Dur+ade&i Sara% Institute $%
Mana+ement Studies/ in *artial ($m*leti$n $% the MMS under the title 2!ANS
AND AD3ANES , MSME SET!R4 had been d$ne under the +uidan(e $% #r$%.
Ra&indra Raswalkar/ Mr. Ash$k Sat*ute durin+ May , -uly 5678.
#la(e9 Si+nature $% the Students
Date9 Nikesh Rewashankar Rawal
MMS 567:76;
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ERTI"IATI!N "R!M THE "AUT= GUIDE
This is t$ (erti%y that Mr. Nikesh Rewashankar Rawal has ($m*leted the Summer
Internshi* entitled 2!ANS AND AD3ANES , MSME SET!R4 with the 2TheT-SB Sahakari Bank td.4 durin+ May , -uly 5678 under my +uidan(e.
T$ the best $% my kn$wled+e the Re*$rt submitted by him is $ri+inal> n$ *art $%
the re*$rt has been submitted %$r award $% any $ther de+ree %ell$wshi* $r $ther
similar titles $r *ri?es.
Si+nature $% the "a(ulty Guide
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A(kn$wled+ment
I wish t$ e@*ress my dee* sense $% +ratitude t$ 2The T-SB Sahakari Bank td.4
and in *arti(ular 2Mr. Ash$k Sat*ute/ Bran(h Mana+er4 %$r the timely +uidan(e/ins*irati$n and en($ura+ement in the ($ndu(t %$r my Summer Internshi* #r$e(t
w$rk.
I take this $**$rtunity t$ thanks #r$%. Ra&indra Raswalkar %$r her able +uidan(e
and &aluable su++esti$ns/ whi(h hel*ed me in ($m*letin+ the *r$e(t w$rk/ in
time.
I take immense *leasure in thankin+ Dr. . Babu/ Dire(t$r/ Dur+ade&i Sara%
Institute $% Mana+ement Studies/ %$r ha&in+ *ermitted me t$ (arry $ut this *r$e(t.
Nikesh Rewashankar Rawal
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EXECUTIVE SUMMARY
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WHY A PARTICULAR IS SELECTED & WHETHER IT WAS COVERED
SO FAR IN THE COLLEGE SYLLABNUS.
$ans and ad&an(es in MSME se(t$r ha&e been sele(ted %$r *r$e(t re*$rt.A%ter dis(ussin+ ab$ut &ari$us t$*i( with Industry Ment$r and with "a(ulty Ment$r this t$*i( has
been sele(ted be(ause s($*e and im*$rtan(e $% this is m$re and its +r$win+ se(t$r in India.
Gettin+ m$re kn$wled+e re+ardin+ $% MSME and bank b$th at the same time.
=es/ this t$*i( is ($&ered under ($lle+e syllabus under +uidan(e $% #r$%. Raswalkar. Many in*uts
is +i&en by *r$%ess$r re+ardin+ bankin+ stru(ture and its im*$rtant t$ an e($n$my whi(h (an be
used in *r$e(t re*$rt.
!ther in%$rmati$n has been *r$&ided by "a(ulty Ment$r re+ardin+ MSME se(t$r and re*$rt and
s*ee(hes.
OBJECTIVE & SCOPE OF THE SUBJECT & ITS IMPORATANCE TO
THE ECONOMY.
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Objective of SME Loan Policy
The SME l$an *$li(y has been %ramed kee*in+ in mind the %$ll$win+ $be(ti&es9
T$ im*r$&e (redit %l$w t$ SME se(t$r.
T$ %$rmulate n$rms t$ SME se(t$r t$ ensure that the adeuate and timely (redit is
a&ailable t$ the se(t$r.
The SME $an *$li(y als$ *r$&ides +uidelines t$ the bran(hes $%%erin+ (redit t$ the SME
se(t$r and t$ %$rmulate n$rms $% lendin+ t$ the SME se(t$r.
T$ de&ise an $r+ani?ati$nal stru(ture t$ handle SME (redit *$rt%$li$ in a %$(used manner.
Scope of SME Loan policy
The *$li(y ($&ers the %$ll$win+9
$m*$siti$n $% the SME se(t$r
Guidelines $n lendin+ t$ the SME se(t$r
SME l$an %a(t$ry m$del
#$li(y $n (redit ratin+ and *ri(in+
Re*$rtin+ and m$nit$rin+ system
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Im*$rtan(e $% MSME se(t$r in India
The de&el$*ment $% the mi(r$/ small and medium enter*rises 'SME) se(t$r is $n the *ri$rity $%
G$&ernment A+enda. As *er the ResultsC"ramew$rk D$(ument 'R"D) %$r Ministry $% Mi(r$/
Small and Medium Enter*rises '5675C567
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The StateCwise distributi$n $% MSMEs sh$w that m$re than :: $% these enter*rises are in 8
States/ namely/ Uttar #radesh/ Maharashtra/ Tamil Nadu/ 0est Ben+al/ Andhra #radesh and
arnataka. "urther/ ab$ut ; $% MSMEs are $wned by w$men and m$re than JF $% the
MSMEs are *r$*riet$rshi*s $r *artnershi*s.
MSMEs in the ($untry manu%a(ture $&er 8/666 *r$du(ts. S$me $% the ma$r subse(t$rs in terms
$% manu%a(turin+ $ut*ut are %$$d *r$du(ts '7.J;)/ te@tiles and readymade +arments '7F.6:)/
basi( metal '.7)/ (hemi(al and (hemi(al *r$du(ts ';.::)/ metal *r$du(ts ';.:5)/
ma(hinery and eui*ments '8.
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INDIAN BANKING STRUCTURE
Indian Bankin+ Industry
S(heduled Bank Uns(heduled Bank
S(heduled $mmer(ial Bank S(heduled $C$*erati&e Banks
#ubli( Se(t$r Bank
#ri&ate Se(t$r Bank Rural $C$*erati&e Urban $C$*erati&e
"$rei+n Bank Banks Banks
Re+i$nal Rural Bank
!ther S(hedule $mmer(ial Sh$rt Term $n+ Term Sin+le
Banks Multi State
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Ab!" "#$ B%' D$"%()*
7) Name $% the Bank9 The T-SB Sahakari Bank td.
5) Address $% the Head !%%i(e9 T-SB H$use/ #l$t N$. :B/ R$ad N$. 5/ 0a+le Industrial
Estate/ Thane '0) , F6686F
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TJSB%eels *r$ud t$ a(kn$wled+e the +r$wth $% lar+e number $% su((ess%ul industrialists/ traders
and *r$%essi$nals wh$ ha&e +r$wn lea*s K b$und due t$ timely assistan(e and su**$rt $% the
Bank.
TJSBhas set be%$re a 3isi$nary Gr$wth #lan %$(usin+ all business strate+ies s$lely $n (reati$n$% Stakeh$lders &alue.
T$,#)12 I("(%"(3$*4
TJSB/ a Te(hn$Csa&&y Bank has im*lemented su((ess%ully the $re Bankin+ S$luti$n 'BS).
This has hel*ed the Bank t$ mi+rate the Bran(hes %r$m bein+ the *r$(essin+ (enters t$ marketin+
(ust$mer (entri( $ut%its. It will als$ e@tend the Bank1s rea(h t$ its (ust$mers by multi*le deli&ery
(hannels su(h as ATM/ Internet/ M$bile et(. This has br$u+ht the Bank $n *ar with the leadin+
Banks. Banks has netw$rk $% 758 ATMs a(r$ss Thane/ Mumbai/ Na&i Mumbai/ Nasik/ #une/
Satara/ Auran+abad/ $lha*ur/ Na+*ur/ atur/ Guarat/ G$a K anrnataka K 5 $%%site ATMs.
TJSBis the %irst Bank in $C$*erati&e se(t$r t$ install heue De*$sit$ry Ma(hines at bran(hes
whi(h are $*erati$nal 5FL;.
TJSBhas *ut in *la(e Real Time Gr$ss Settlement System 'RTGS) transa(ti$ns. 0ith $re
Bankin+ S$luti$n in *la(e the Bank is #r$&idin+ RTGS %a(ility t$ all its (ust$mers.
TJSBhas initiated *r$(ess %$r strate+i( allian(e with $ther Banks %$r the usa+e $% their deli&ery(hannels by whi(h nearly J666 ATMs will be a&ailable t$ Bank 1s (ust$mers a(r$ss the ($untry.
TJSBis %irst Bank In the ($untry t$ intr$du(e Aut$mated heue Issuan(e Ma(hine whi(henable ust$mers t$ take #ers$nalised heue B$$k 5F L ;.
TJSBhas enabled Transa(ti$nal %eature in Internet Bankin+.
B!*($** P+,$** R$5$1($$+(14
W("# "#$ *!,,$**6!) (78)$7$"%"( 6 C+$ B%'(1 S)!"( TJSB #%* (("(%"$ B!*($**
P+,$**
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ReCen+ineerin+ by establishin+9
S*e(iali?ed redit ell
S*e(iali?ed Retail Bankin+ ell
entrali?ed M$nit$rin+ ell
entrali?ed Ba(k $%%i(e #r$(essin+ ell
ECl$bby
B%,%**!+%,$4
TJSB /L(,$*$ N. 99:;*
ban(assuran(e is re($+ni?ed as $ne $% the m$st su((ess%ul ban(assuran(e in the ($untry.
I*!+%,$ (* "#$ *!b?$," 7%""$+ 6 *)(,("%"(
S8$,(%) M$"(4
!ne $% the &ery %ew ($C$*erati&e banks t$ +et AD9 )(,$*$t$ $%) ( F+$(1 $@,#%1$
The Indian Bank Ass$(iati$n 'IBA) ha&e a(($lade T-SB with TECHNOLOGY BANK OF
THE YEARaward in the $C$*erati&e Banks (ate+$ry %$r "= 566J
TJSBhas been awarded 7 st #ri?e %$r the Best $C!*erati&e Bank in Maharashtra by
2M%#%+%*#"+% S"%"$ U+b% B%'>* F$$+%"( L".
%$r the ".=.566FC566:.
TJSBhas been awarded 7st #ri?e as 2P%7%b#!*#% V%*%"%% P%"() U"'%+*#% N%1+(
S%#%'%+( B%'%$r the ".=.566
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METHODOLOGY
Intera(ti$n with Industry Ment$r.
Usin+ in%$rmati$n what is tau+ht in the (lass.
Guidan(e %r$m "a(ulty Ment$r.
$lle(tin+ in%$rmati$n %r$m bran(hes.
$lle(tin+ in%$rmati$n %r$m Bank Site.
!ther in%$rmati$n %r$m bran(h sta%%.
DATA
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M$%(1 6 M(,+ *7%)) % 7$(!7 $"$+8+(*$*
Mi(r$/ small and medium enter*rises as *er MSMED A(t/ 5668 are de%ined based $n their
in&estment in *lant and ma(hinery '%$r manu%a(turin+ enter*rise) and $n eui*ment %$r
enter*rises *r$&idin+ $r renderin+ ser&i(es. The *resent (eilin+s $n in&estment %$r enter*rises t$
be (lassi%ied as mi(r$/ small and medium enter*rises are as %$ll$ws9
lassi%i(ati$n Manu%a(turin+ Enter*rises
'In&estment limit in #lant K
Ma(hinery)
Ser&i(es Enter*rises
'In&estment limit in #lant K
Ma(hinery)
Mi(r$ Rs. 5: lakhs Rs. 76 lakhs
Small Rs. : (r$res Rs. 5 (r$res
Medium Rs. 76 (r$res Rs. : (r$res
The term 2&illa+e industries4 has been rede%ined in amended 3I A(t/7J:8 as 2any industry
l$(ated in a rural area whi(h *r$du(es any +$$ds $r renders any ser&i(es with $r with$ut the use
$% *$wer and in whi(h the %i@ed (a*ital in&estment *er head $% artisan $r w$rker d$es n$t e@(eed
Rs. !ne lakh 'Rs. !ne lakh and %i%ty th$usand in (ase $% &illa+e industry l$(ated in a hilly area)
$r su(h $ther sum as may/ by n$ti%i(ati$n in the !%%i(ial Ga?ette/ be s*e(i%ied %r$m time t$ time
by the entral G$&ernment4.
ate+$ries under *ri$rity se(t$r
A) A+ri(ultureB) M(,+ & S7%)) E"$+8+(*$*) Edu(ati$n $an
D) H$usin+ $anE) !thers
Tar+et Sub tar+et %$r *ri$rity se(t$r
Tar+et under *ri$rity se(t$r lendin+ w$uld be linked t$ Adusted Net Bank redit 'ANB) $r
redit Eui&alent am$unt $% !%% Balan(e Sheet E@*$sure '!BE) whi(he&er is hi+her.
ANBC T"%) )%* % %3%,$* b()) (*,!"$ ("# RBI & "#$+ %88+3$ F(%,(%)
I*"("!"(* I3$*"7$" 7%$ %6"$+ A!1 = :== ( NON SLR b* !$+ HTM
,%"$1+2
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Tar+et and sub tar+et set under *ri$rity se(t$r lendin+ %$r UB1s are %urnished bel$w. Sti*ulati$n
re+ardin+ *ri$rity se(t$r is n$t a**li(able t$ Salary Earner Bank.
T$tal #ri$rity Se(t$r
F6 $% ANB $r redit Eui&alent am$unt $% !%% balan(e Sheet E@*$sure
whi(he&er is hi+her
Mi(r$/ Small K Medium Enter*rises 'MSME)
7. Ad&an(es t$ MSME se(t$r will be re(k$ned in ($m*utin+ a(hie&ement under
the $&erall *ri$rity se(t$r tar+et $% F6 $% ANB $r redit Eui&alent
am$unt $% !%% balan(e sheet e@*$sure whi(he&er is hi+her.
5. F6 $% t$tal ad&an(es t$ MSME sh$uld +$ t$ Mi(r$ 'manu%a(turin+)
Enter*rises ha&in+ in&estment in #lant K Ma(hinery u*t$ Rs. 76 lakhs and
Mi(r$ 'Ser&i(es) Enter*rises ha&in+ in&estment in eui*ment u* t$ Rs. F
lakhs.
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E@*$rt (redit t$ MSMEs units 'b$th manu%a(turin+ and ser&i(es) %$r
e@*$rtin+ $% +$$ds ser&i(es *r$du(ed by them. hadi and 3illa+e Industries Se(t$r '3I).
I(+$," F(%,$
$ans t$ *ers$n in&$l&ed in assistin+ the de(entrali?ed se(t$r in the su**ly
$% in*uts t$ and marketin+ $% $ut*uts $% artisans/ &illa+e and ($tta+e
industries. $ans t$ *r$du(ers in the de(entrali?ed se(t$r &i? artisans/ &illa+e and
($tta+e industries
A C#$,' L(*" /C+$(" P+8*%)0
9. L% A88)(,%"(a. $an a**li(ati$n %$rm duly %illed in and si+ned by the b$rr$wer and +uarant$rs
b. Reuest letter $% the a**li(ant B$ard res$luti$n %$r a**li(ati$n $% (redit %a(ilities
a+ainst the se(urity $%%ered as ($llateral *rime by the ($m*any.
(. R! Sear(h in (ase $% new ($m*anies.
d. redit Ratin+ as *er $ur (ir(ular i% the e@*$sure is bey$nd Rs.
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+. atest &isit details al$n+ with the &isit re*$rt
h. In (ase $% (han+e in ($nstituti$n date $% the (han+e in ($nstituti$n
:. P%8$+* (6+7%"( %b!" "#$ %88)(,%"
a. Address9
i. Re+istered !%%i(e9
ii. Administrati&e !%%i(e9iii. Manu%a(turin+ Unit9
b. Brie% *r$%ile Bi$ data $% the *r$*riet$r*artnersdire(t$rs/ number $% years $%
e@*erien(e(. $*y $% the Mem$randum and Arti(les $% Ass$(iati$n in (ase $% the ($m*any
bein+ a new a**li(ant
d. $*y $% the Re+istered #artnershi* deed in (ase $% the %irm bein+ a new a**li(ante. $*y $% the Diss$luti$n retirement deed where&er a**li(able
%. $*ies $% &ari$us re+istrati$ns in(ludin+ that $% SSI/ Im*$rt E@*$rt re+istrati$n i%
a**li(able
+. Shareh$ldin+ *attern in (ase $% #&t. td. #ubli( imited $m*aniesh. atest ($*y $% the Annual return %iled with R!
i. $*y $% "$rm n$.
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< $(ati$n $% "a(t$ry
F $(ati$n $% Head $%%i(e
: Name $% Dire(t$rs #artner
8 Nature $% ass$(iati$n with the a**li(ant
Units
; Date $% Establishment
Nature $% A(ti&ity
J IRA
76 "inan(ial #$siti$n as $n
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h. In (ase $% re($nstituti$n/ %inan(ials &i?. #r$%it and $ss A(($unt and Balan(e
Sheet as $n that date
;. P+?$," D$"%()*
a. Details as t$ *resent manu%a(turin+ setu* in(ludin+ in%rastru(ture %a(ilities su(h
as shed/ *$wer/ Trans*$rt/ Skilledunskilled lab$ur/ arran+ement %$r ($m*lian(e
$% en&ir$nmental n$rms.
b. In (ase $% reuirement $% new Term $ani. T$tal *r$e(t $st and Means $% "inan(e
ii. $mments $n *r$du(ti$n %a(t$rs su(h as utilities/ Man*$wer/ raw material in(ludin+
s$ur(es $% raw material/ marketin+iii. #r$e(t im*lementati$n s(hedule
(. In (ase $% new e@*ansi$n $% e@istin+ a(ti&ities/ ($m*lete detail ab$ut *r$e(t t$
be *r$&ided in(ludin+ e@istin+ and *r$*$sed installed (a*a(ity and (a*a(ity
utili?ed
. D$"%() 6 C))%"$+%)
a. Detail $% ($llateral se(urities in the %$ll$win+ %$rmat
Des(ri*ti$n $% the
*r$*erty se(urity
!wnershi* details Em*l$yed %ree A**r$@.
market &alue
$(ati$n area in
s. %t.
b. $*ies $% *r$*erty *a*ers sti*ulated as se(urity %$r the ad&an(es t$ be taken $n
re($rd and Title Re*$rt %r$m *anel ad&$(ated t$ be $btained durin+ the *r$(edure
$% (redit a**raisal
(. atest &aluati$n details $% the *r$*erty ma(hinery %r$m $ur *anel &aluer i% any
d$ne al$n+ with the ($*ies there$% where&er a**li(able. E@istin+ &aluati$n re*$rt
Market 3alue may be *r$&ided.
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(. Insuran(e details and ($*ies $% the renewed insuran(e *$li(ies
d. Se(urity *$siti$n al$n+ with the *$siti$n $% the $&erdues i% any in &ari$us
a(($unts $n the latest date and *lans %$r (learan(e $% $&erdues.
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PROCESS OF LOAN SANCTIONING
B+%,#
L% A88)(,%"( %)1 ("# (6+7%"( 8+8*%) *!b7(""$ " M!7b%(
+ N%3( M!7b%( +$1( /S8$,(%)($ C+$(" C$)) 0 6+ 8+,$**(1
S,+!"(2 & L$""$+ +$1%+(1 +$!(+$7$" 6 ,!7$"* " 8+,$$* "#$8+8*%)
C78)(%,$ 6+7 A88)(,%"*
A%)2*(* & J!*"(6(,%"( 6 8+$*$" +$!$*"
P+8*%) 8!" !8 %* 8$+ $)$1%"( 6 8$+ S%,"((1 A!"#+("2
A88+3%) 6 )%* 8+8*%) b2 S%,"((1 C77(""$$
S%,"( L$""$+ (**!$ b2 M!7b%( + N%3( M!7b%( +$1(
/S8$,(%)($ C+$(" C$)) 0
C78)(%,$ 6 "#$ T$+7 & C("( % (*b%+7$" 6 L%*
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F%,()("($* 66$+$ b2 TJSB S%#%'%+( B%' " MSME S$,"+
COMMERCIAL LOANS AT TJSB
FUNDED CREDIT
FACILITIES
NON FUNDED CREDIT
FACILITIES
SPECIAL SCHEMES
ash redit imit!&erdra%t
imit
etter $% redit T-SB Trade Ease $an
Bill Dis($untin+ Bank Guarantee T-SB "EET Term $an
Bill Dis($untin+ Buyers redit T-SB SME $an
#re Shi*ment "inan(e #radhan Mantri Mudra y$ana
'#MM=)
#$st Shi*ment "inan(e
#led+e "a(ility A+ainst
0HR
Term $an
iuid Rent Dis($untin+
S(heme
SPECIAL SCHEME TJSB
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TJSB T+%$ E%*$ L%
T28$ 6 )%4 Term l$an !&erdra%t ash redit
P!+8*$4 0$rkin+ a*ital $r a(uisiti$n $% *r$*erty
L% A7!" 4 Min. : la(s
Ma@. 566 la(s
R$8%27$"4 7. "$r term l$an 86 m$nths 'Ma@)
5. "$r (ash (redit $&erdra%t 75 m$nths 'renewable a%ter e&ery year)
R%"$ 6 I"$+$*"4 inked with banks #R as *er (redit ratin+
ELIGIBILITY
9. W# ,% b++ 4 I(3(!%)* P+8+($"+*#(8 P%+"$+*#(8 P3". L". & P!b)(, L"
C78%($*
5. Business units sh$uld ha&e been established in the line $% business %$r a 7((7!7 8$+( 6
: 2$%+*K makin+ *r$%it %$r last 5 years and submissi$n $% IT returns %$r 5 years.
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T28$ 6 )%4 7. "und based9 (ash (redit term l$an
5. N$n "und based 9 BGs s
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Mi(r$ Units De&el$*ment K Re%inan(e A+en(y td. 'MUDRA) is a new instituti$n bein+ set u*
G$&ernment $% India %$r de&el$*ment and re%inan(in+ a(ti&ities relatin+ mi(r$ units.The *ur*$se
$% MUDRA is t$ *r$&ide %undin+ t$ the N$n ($r*$rate Small Business Se(t$r. MUDRA1s basi(
*ur*$se is t$ %und the un%und by brin+ su(h units in %$rmal %inan(ial system and e@tendin+
a%%$rdable (redit t$ them.
Eli+ible se(t$ra(ti&ities are as %$ll$w9
7. L% "+%*8+" *$,"+, #ur(hase $% trans*$rt &ehi(les %$r +$$ds *ers$nal trans*$rt su(h
as aut$ ri(kshaw/ small +$$ds trans*$rt &ehi(les/ < wheelers/ eCri(kshaw/ *assen+er (ars/
ta@is et(.
5. F 8+!,"* *$,"+ , "$r a(ti&ities su(h as *a*ad makin+/ a(har makin+/ amelly
makin+/ a+ri(ulture *r$du(e and *reser&ati$n at rural le&el/ sweet sh$*/ small ser&i(es
%$$d stalls and day t$ day (aterin+(anteen ser&i(es/ ($ld (hain &ehi(les/ ($ld st$ra+es/
i(e makin+ units/ i(e (ream makin+ units/ bis(uits/ bread and bun makin+ et(.
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7 Shishu $ans u* t$ Rs. :6/666
5 ish$re $ans ab$&e Rs. :6/666 t$ Rs. :/66/666
< Tarun $ans ab$&e Rs. :/66/666 t$ Rs. 76/66/666
In &iew $% ab$&e/ we are intr$du(in+ a l$an s(heme under #MM=. The detail are listed bel$w9
N%7$ 6 "#$ S,#$7$ #radhan Mantri Mudra =$ana
T28$* 6 6%,()("2 7. ash redit %$r w$rkin+ (a*ital
reuirement.5. Term l$an %$r *ur(hase $% eui*ment
OMa(hineryO"urnitureO#r$*erty.
P!+8*$ Business #ur*$se
E)(1(b()("2 7. Indi&idual5. !ther #r$*riet$ry ($n(erns/ #artnershi*
"irm/ #&t. td./ td $s./ #/ SHG/ A!#/
B!I.
I,7$ E)(1(b()("2 7. In (ase $% E@istin+ set u*9 In($me su%%i(ient
t$ take (are $% EMIs $% a**li(ants thr$u+h
(ash a((ruals.
5. In (ase $% New set u*9 !n *r$e(ti$n basis
a((e*table t$ Bank.
A1$ Ma@imum u* t$ 86 years. De&iati$n in a+e $r
with ($ a**li(ant a((e*table t$ bank $n (ase
t$ (ase basis.
L% L(7("9 S+
N.
C%"$1+2 L% A7!"
7 Shishu $an u* t$ Rs. :6/666
5 ish$re $an ab$&e Rs. :6/666
t$ Rs. :/66/666
< Tarun $ans ab$&e Rs.
:/66/666 t$ Rs.
76/66/666
R%"$ 6 I"$+$*" 76.55 *.a.
P+(7$ S$,!+("2 M$rt+a+e $% *r$*erty Hy*$the(ati$n $%
Ma(hineryst$(ksB$$k debts et(.
lean limit sh$uld n$t e@(eeds Rs. :/66/666
C))%"$+%) S$,!+("2 T$ e@*l$re the *$ssibility
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R$3($R$$%) "$r ash redit %a(ility/ annual
re&iewrenewal is ne(essary
R$8%27$" 8$+( Ma@imum : years in(ludin+ m$rat$rium
G!%+%"+* Minimum !ne a((e*table +uarant$r
M%+1( Minimum * C#%+1$* As *er *re&ailin+ n$rms
I*!+%,$ 6 A**$"* Insuran(e $% underlyin+ assets with Bank
lause till e@isten(e $% the l$an am$unt
*re%erably thr$u+h Bank
CASE STUDY
NAME OF APPLICANT 4 M* XY-
B+%,# 4
M$7b$+*#(8 4
A. PRESENT PROPOSAL 4
T$ san(ti$n renewal $% ash redit imit $% Rs. ; la(s a+ainst St$(k K B$$k Debt Q 7:.;:
*.a. 'at *ar with #R) with F6 mar+in %$r a *eri$d $% $ne year.
B. PURPOSE OF FACILITIES SOUGHT4 0$rkin+ (a*ital reuirement
C. BRIEF BACKGROUND47. CONSTITUION 4#r$*riet$rshi*
5. ASSET CLASSIFICATION 4Standard
. ADDRESS
.9 OFFICE /L$%*$0 4
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.: OFFICE /L$%*$0 4
. DATE OF ESTABLISHMENT45665
. BANKING SINCE 45675
;. CATERGORY4N$n *ri$rity
. ACTIVITY 4
/%0 Main A(ti&ity 9 i&il $nsultan(y K $ntra(tin+ $% residential $C$*. Hs+. S$(ieties
/ Industrial$mmer(ial #remises
/b0 Main #r$du(ts Ser&i(es $%%ered 9 3ari$us residential $C$*. Hs+. S$(ieties / Builder$% Industrial $mmer(ial #remises
/,0 Industry 9 $nstru(ti$n
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SECURITY Bld+ N$.
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Debt$rs 8.:6
Sub t$tal 'a) 7
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D%"$ P%+"(,!)%+ A**$" ID
77.6
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DEBT EUITY RATIO4 The Debt Euity rati$ $% the a**li(ant has mar+inally
in(reased %r$m 6.J797 in 567
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B HS/ Ga&an #ada/ Mulund 'East)
DE HS/ Ga&an #ada/ Mulund 'East)
HR HS/ G$re+a$n '0est)
D HS/ Mahim 'East)
AS #remises/ Andheri
!S HS/ Ga&an #ada/ Mulund 'East)MIS Assn./ Ga&an #ada/ Mulund 'East)
The ($nsultan(y (har+es are $n an a&era+e ar$und :
PRESENT REUEST4
The a**li(ant %irm is *resently en$yin+ ash redit imit $% Rs. ;.66 la(s a+ainst St$(k K B$$k
Debts. !*erati$ns in the a(($unt are satis%a(t$ry.
The a**li(ant %irm is int$ business $% (i&il ($nsultan(y and ($ntra(tin+ $% residential $C
$*erati&e Hs+. S$(ieties industrial ($mmer(ial *remises.
As in%$rmed by the a**li(ant their business +r$win+ ra*idly. #resently the %irm is ha&in+
%$ll$win+ $nsultan(y K $ntra(tin+ w$rk in hand under e@e(uti$n.
CONSULTANCY WORK PROJECT IN HAND4
S+. N. N%7$ 6 P%+"2 C#%+1$* (
6 ""%) ,*"
C#%+1$*
7. BR HS
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ONGOING CONTRACTING PROJECTS4
S+. N. N%7$ 6 8%+"2 W+' O+$+
9. NI HS
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Thus ($nsiderin+ the in(reasin+ sale/ adeuate se(urity ($&era+e/ we re($mmend t$ san(ti$n
renewal $% ash redit imit $% Rs. ;.66 la(s a+ainst St$(k K B$$k Debt Q 7:.;: *.a. 'at *ar
with #R) %$r a *eri$d $% $ne year.
S%,"((1 A!"#+("24
$nsiderin+ the t$tal e@*$sure $% Rs. ;.66 la(s/ the *r$*$sal %alls within the dele+ated *$wers $%hie% Mana+er thus *la(ed %$r san(ti$n.
NMMRO RECOMMDATION4
T$ san(ti$n renewal $% ash redit imit $% Rs. ;.66 la(s a+ainst St$(k K B$$k Debt Q 7:.;:
*.a. 'at *ar with #R) with F6 mar+in %$r a *eri$d $% $ne year.
TERMS AND CONDITIONS4
9. P+(7$ S$,!+("24 Hy*$the(ati$n $% St$(k and B$$k Debts.
:. C))%"$+%) S$,!+("2 " ,"(!$4
%. "DR N$. ":J85 and " :J8< $% Rs. F.7: la(s P interest a((rued there$n.
b. M$rt+a+e $% "lat Bld+ N$.
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99. A**li(ant t$ (arry $ut e@(lusi&e bankin+ with T-SB Bank.
9:. Rent A+reement $% new $%%i(e *remises at
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; Term $ans %r$m !THERS :.8: 7.
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58 ESS9 De*re(ati$n
5; NET BLOCK /:5:;0 7J.; 7.8 7.65
OTHER NON5CURRENT
ASSETS /ONCA0
5 In&estment inSubsidiariesass$(iate
5J Debt$rs m$re than 8 m$nths
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e !ther manu%a(turin+ E@*
% De*re(iati$n 7.;< 7.:F 7.
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7: RETAINED EARNING
959
F.<
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8 URRENT RATI! 7.66 5.J; 5.5;
; NET 0!RING A#ITA C6.65 57.;: 7:.58
ASSETS TURN!3ER
RATI!
7.F< 7.J; 5.77
J REE3IABE RATI! :F.87 F5.
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ANALYSIS OF DATA INFORMATION & FINDING
/R*. ( ,++$*0
P%+"(,!)%+ :=9 :=9 :=9;
T$tal Ad&an(es F6;F.67 FF6.F; F;:8.6
Ad&an(es t$ #ri$rity
Se(t$r
788;.J5 788;.
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2014 2015 20163600
3800
4000
4200
4400
4600
4800
5000
4074.01
4408.47
4756.8
Advances
!vance"
2014 2015 20161600
1620
1640
1660
1680
1700
1720
1740
1760
1780
1800
1667.#3 1667.32
1785.61
Priority Sector
P$io$ity Secto$
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2014 2015 20161040
1060
1080
1100
1120
1140
1160
1180
1200
1220
12401215.57
1110.33
113#.36
MSME Sector
MSME Secto$
RECOMMENDATIONS
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REFERENCES