Group Members…27. Radhika Gothi

28. Rimpal Gothi

32. Vishal Jadav

44. Dharmesh Korat

Submitted To…

Prof. Sonu Gupta

1

Capacity

Measures a borrower’s ability to repay a loan by comparing income against

recurring debts

Can the borrower generate adequate cash to repay the loan?

Capital

Refers to the net worth, or equity, of a business

Is the borrower adequately capitalized within industry standards to withstand

unexpected loss?

Conditions

The economic, industry, and market environment can and will change; the state

of the borrower or the state of the economy

Is the borrower flexible enough to adapt? 2

Collateral

Helps secure the debt.

Is there an alternative source of repayment in case the primary source fails?

Character

Personal integrity of business owners and officers

Is management willing to repay the loan and will it attempt to do so under

adverse conditions?

(Continued…)

3

Business Loan from HDFC Bank

Whatever be your need we have a loan for you. Over the years we have

won the trust of their customers and have become market leader in loan products.

Enjoy triple benefits when you take a Loan from HDFC Bank:

Faster loan - they loan sanction and disbursal is one of the quickest with

easy documentation and doorstep service.

Competitive pricing - they loan rates and charges are very attractive

Transparency – All charges are communicated up front in writing along

with the loan quotation

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Features and Benefits of Business Loan

In Principle loan eligibility in online and across all branches

Convenience of contacting us through SMS, Phone Banking and across all

Branches

Business Loan is also available on the basis of repayment of home loans, auto

loans and credit cards.

Loan Amount up to Rs. 15 Lakhs (Up to Rs. 40 Lakhs in selected locations).

Flexible repayment options ranging from 12 - 36 Months.

Credit protect insurance plan:

A Credit Protect Plan to cover your loan at a nominal premium.

Features

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Protects the family by paying off the loan amount in case of death

of the customer

Life Coverage – provides peace of Mind

No need to use other savings to repay the loan

Tax Benefits as per applicable laws

One convenient package - loan + insurance

Key benefits of policy

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Reduce your EMI, transfer your existing Business

Loan to us. Business Loan balance transfer offers special and

exclusive benefits.

Interest rate as low as 14.99 % on existing loan transfer.

Processing fees as low as 0.99%

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Self employed including individual proprietors, private ltd. Co. And partnership

firms involved in the Business of Manufacturing, Trading or Services.

Minimum Turnover of Rs. 40 Lakhs.

Years in business: Minimum of 3 years in current business and 5 years

total business experience

Business must be profit making for the last 2 years

Minimum Annual Income (ITR): Rs. 1.5 Lakhs p.a.

Age of Applicant: Min 21 years & Max. 65 years at the time of loan

maturity.

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PAN Card – For Company /Firm/ individual.

Proof of your identity: Copy of Aadhaar Card/Passport/Voter’s ID card/driving

license.

Proof of your address: Copy of Aadhaar Card/Telephone bill/Electricity

bill/Passport.

Bank Statement (latest 6 months)

Latest ITR along with computation of income, Balance sheet and Profit &

Loss a/c for the last 2 years. Financial should be CA Certified /Audited.

Proof of continuation (ITR/Trade license /Establishment /Sales Tax certificate)

Other Mandatory Documents (Sole Prop. Declaration Or Certified Copy of

Partnership Deed, Certified true copy of Memorandum & Articles of

Association (certified by Director) & Board resolution (Original)9

Interest Rate Range: 17.00% to 22.00%

Loan Processing Charges :Up to 2.50% of the loan amount subject to a

minimum of Rs. 1,000/- & Maximum of Rs. 75000/-

Pre-payment charges :

No pre-payment permitted until repayment of 6 EMIs,

07-24 Months - 4% of Principal Outstanding

25-36 Months - 3% of Principal Outstanding

>36 Months - 2% of Principal Outstanding

Charges for late payment of EMI : @ 24 % p.a on amount outstanding

from date of default

Stamp Duty & other statutory charges : As per applicable laws of the

state10

Project Finance: If you are seeking funding for a new project or new

avenue in your business, then don't stretch your current financial constraints.

With the easily available financial aid at your disposal, it's possible to finance

your long-term infrastructure or industrial.

Equipment Finance: Take the advantage of they finance options to

acquire equipment that may be critical for your business.They unique SME

loans are designed to cater to your unique needs, be it for equipment leasing or

other refinancing options.

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Corporate Loans: They have a wide array of financial options available

to suit your distinct needs. They corporate loans are designed to iron out your

interim financial needs catering to various corporate and business needs.

Secured Business Loans: Whenever you are in need of financial aid,

look for the secured business loans for entrepreneurs. They secured business

loans provide you with sufficient leverage for financing your corporate

projects.

Working Capital Loans: Any business cannot be run without the

financial aid. They working capital loans facilitate your daily business needs.

We ensure that your business is run as smoothly as possible with our hassle-

free and easy working capital loans.

(Continued…)

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Bill Discounting: Enjoy the distinctive features offered by they bill

discounting facilities. They ensure that corporate can successfully discount

their bills before the maturity date.

Insurance Solutions: They basket of solutions for SME finance involves

facilitating all your business needs. With they unique insurance solutions, they

ensure your business safety for the future.

(Continued…)

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Vyapar Mitra

Small traders and businessmen provide yeoman service to the community.

They are honest and hard working and not so educated community with low

financial means who need to be supported by banks.

Bank has recognized their potential. They are trusted and trustworthy

people.

Bank has devised a hassle free scheme to extend credit facilities to

them.14

The details of the scheme are as under.

Particulars

Purpose Small traders/ businessmen

Limit Amount Maximum cash credit of Rs.30 lacs or 70% of valuation of

Property or 30%of projected sales looking to last two year

growth whichever lower

Margin 40% of valuation of mortgage property

Repayment Period Renew of limit every year

Rate of interest 13.5% P.A at monthly rest (Subject to change at the discretion

of Bank) (not eligible for credit rating rebate)

Guarantee Guarantor possessing own property and also Income tax-payer

Security Mortgage of office/Resident – immovable property15

Manufacturing, trading and services units

Minimum track record of three years

Profits in the last two years

Minimum security coverage as per the product scheme

The applicant shall be engaged with trading/ industrial/ Service

activity with valid Licenses.

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Apply for a Business Loan by submitting the completed Business

KALUPUR Loan application form with these documents:

Balance Sheet & Profit and Loss Account of company

Proof of ownership of Residential Or Commercial Property

IT returns for last two years

Proof of residence

Proof of identity

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A) Proof of identity: (any one of the following)

Passport

PAN Card

Voter's Identity Card

Driving License

Identity card issued by the Employer (subject to Bank’s satisfaction)

Letter from a recognized public authoruty or public servant verifying the

identity and residence of the customer to the satisfaction of bank.

Letter from a Gazetted officer verifying the identity and attesting photograph

and address.

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B) Proof of current address: (any one of the following)

Telephone bill

Electricity bill

Letter from employer (subject to Bank’s satisfaction).

Letter from any recognized public authority (subject to Bank’s

satisfaction).

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Cash Credit/ Over Draft- A Cash Credit is a short-term cash loan to a

company and KALUPUR BANK provides it against collateralized security.

Loan limit is prearranged and companies can continuously draw up to the limit

as and when needed.

Working Capital Demand Loans- KALUPUR BANK provides

working capital facilities in the form of Working Capital Demand Loan instead

of cash credit facility. The primary or collateral security will be as

mentioned in cash credit facility. Here also interest is levied on the amount

drawn rather than on the amount utilized.

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Term Loans- KALUPUR BANK caters to the need of long-term funds to

enable growth opportunities of business, capacity expansions, plant

modernization and other such requirements. Keeping these requirements in

mind we provide term loans up to acceptable tenor with suitable moratorium, if

required, and repayment options structured on the basis of companies estimated

cash flows.

These loans are primarily secured by a first charge on the fixed assets

acquired through the loan amount. This loan is against Suitable collateral

security.

(Continued…)

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Bill Discounting Facilities- KALUPUR BANK provides bill

discounting facilities to fund customer's receivables. This is done by

discounting credit worthy bills or receivables and providing credit against that.

This facility is provided for a period of 3-6 months depending upon the tenor

of the bill.

Export Finance- KALUPUR BANK provides finance for export activities

in the form of Pre-Shipment Credit against firm order and Letter of Credit and

Post shipment credit. Credit is available for procuring raw materials,

manufacturing the goods, processing and packaging the goods and shipping

the goods. Finance is provided in Indian or foreign currency depending upon

the need of the borrower.

(Continued…)

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Stock & Debtors will be collateral security, only initial stock/debtors statement

will have to be submitted.

The property shall have clear & marketable title & saleability.

Valuation Report of the Panel Values to be considered.

The property shall not be older than 25 years.

It should be self occupied.

If the property is already mortgaged with the bank; the unencumbered

portion can be considered in deserving cases.

The property will have to be mortgaged with registered mortgage.

Important points for security :

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