MSME Application

Application to the Committee for a Corrective Action Plan under Revival & Rehabilitation of MSME

(For Existing Loan Exposure above Rs.10 Lakhs and up to Rs.25Crore) ( To be submitted along with documents as per the check list )

Fields marked with * are mandatory

A. Brief Profile of the Enterprise:

External Credit Rating *

Name of the Agency*	Current Rating *	Previous Rating*	Valid upto*

B. Details of Proprietor/ Partners/ Directors - (Amount in Lacs)

Name of Proprietor/ Partners/ Directors	Residential Address with Contact No.	PAN No. /DIN No.	Net Worth as on ...	% of Shareholding	Other dues as Borrower / Guarantor

C. Details of Associate Concern / Sister Concern: - (Amount in Lacs)

Name of Associate Concern / Sister Concern	Business Activity	IRAC status	Banking With	Loan Limit		Financials as on...
Name of Associate Concern / Sister Concern	Business Activity	IRAC status	Banking With	FB	NFB	Net Sales	Net Profit	Net Worth

D. Social Category

E. Details of Existing Liabilities with the Bank: - (Amount in Lacs)

Facility	Market value of stocks	Advance value of stocks	Drawing Power	O/s	Overdues
Fund based working capital (CC / OD/EPC etc.)
Export Packing Credit (Rupee/PCFC)
Bills Discounting
PSFC
Fund based sub-total
LC/BG for working capital
Letters of comfort
Non Fund based Subtotal
Total Working Capital
Term Exposures (Other than Project Loans) (Balance Sheet funding)
Derivatives (after applying CCF)
Others (please specify)
Total Exposure

Banking arrangement and sharing pattern:

Financial Arrangement:

Sole Banking Consortium Multiple Banking

	FB				NFB		Total
	WC		TL
	Limit	O/s	Limit	O/s	Limit	O/s	Limit	O/s
Bank1
Bank2
Total

Loans with Financial Institutions / NBFCs and overdues, if any:

F. Details of Other Liabilities: - (Amount in Lacs)

Details of Statutory dues remaining outstanding with State Government or Central Government	Details of Unsecured Creditors. (Furnish reason for incurring liability)

G. Financials: - (Amount in Lacs)

	Past Year-II (Actual)	Past Year-I (Actual)	Present Year (Estimate)	Next Year-I (Projection)	Next Year-II (Projection)
Net Sales (including Operating Income)
(%) growth in net sales over previous year
Operating Profit (after interest)
Operating Profit Margin (%)
Other Income
Profit Before tax
PAT
Net Profit Margin (%)
Paid-up Equity Capital
Tangible Net Worth
Adjusted TNW
TOL/ Adjusted TNW
Current Ratio
Cash Accruals
Debt Service Coverage Ratio

H. In case of additional Working Capital: - (Amount in Lacs)

Actual Sales		Projected
FY -	FY -	Sales	Working Cycle(in days)	Inventory(in days)	Debtors(in days)	Creditors(in days)	Promoter’s Contribution

I. For additional term loan facilities projections to be provided till the proposed year of repayment of loan.

J. (a) Details of Existing Security: - (Amount in Lacs)

Particulars of Primary Security		Nature of charge	Date of Valuation	Value

Particulars of Collateral Security	SARFAESI Complaint (Y or N)	Nature of charge	Date of Valuation	Value

J. (b)Details of Proposed Additional Security to be offered: - (Amount in Lacs)

Particulars of Primary Security		Nature of charge	Date of Valuation	Value

Particulars of Collateral Security	SARFAESI Complaint (Y or N)	Nature of charge	Date of Valuation	Value

K. (a) Details of Existing Guarantors: - (Amount in Lacs)

Name and addresses of the Guarantors	Age	Occupation	Annual Income	Net Worth as on...	Other dues as Borrower / Guarantor

K. (b)Details of Proposed Guarantors: - (Amount in Lacs)

Name and addresses of the Guarantors	Age	Occupation	Annual Income	Net Worth as on...	Other dues as Borrower / Guarantor

L. Details of stress faced by the Enterprise*

Details of stress faced by the Enterprise
Indicative List of Stress	Details of stress faced by the Enterprise
Outstanding balance in cash credit account remaining continuously at the maximum. Inability to maintain stipulated margin on continuous basis. Failed to make timely payment of instalments of principal and interest on term loans. Decline in production. Decline in sales and fall in profits. Overdue Receivables / Bad debts Increase in level of inventories. Failed to pay statutory liabilities. Delay in meeting commitments towards payment of installments due, crystallized liabilities under LC/BGs.

Details of stress faced by the Enterprise

Indicative List of Stress

Details of stress faced by the Enterprise

Outstanding balance in cash credit account remaining continuously at the maximum.

Inability to maintain stipulated margin on continuous basis.

Failed to make timely payment of instalments of principal and interest on term loans.

Decline in production.

Decline in sales and fall in profits.

Overdue Receivables / Bad debts

Increase in level of inventories.

Failed to pay statutory liabilities.

Delay in meeting commitments towards payment of installments due, crystallized liabilities under LC/BGs.

M. Suggested Remedial Measures with the estimated time frame to justify the action plan*

Suggested Remedial Measures with the estimated time frame to justify the action plan:
Indicative Remedial Measures	Suggested remedial measures with the estimated time frame by the Enterprise with supporting details to justify the action plan /solution, duly supported/vetted by TEV as the case may be.
Rectification:
Restructuring: Reschedulement of Instalments. Capitalisation of interest. Fresh and/or additional WC / WCTL. Fresh term loan assistance for need based expansion.

Suggested Remedial Measures with the estimated time frame to justify the action plan:

Indicative Remedial Measures

Suggested remedial measures with the estimated time frame by the Enterprise with supporting details to justify the action plan /solution, duly supported/vetted by TEV as the case may be.

Rectification:

Restructuring:

Reschedulement of Instalments.

Capitalisation of interest.

Fresh and/or additional WC / WCTL.

Fresh term loan assistance for need based expansion.

Declaration: I/We hereby certify that all information furnished by me/us is true, correct and completeto the best of my/our knowledge and belief. I/We shall furnish all other information that may be required by Bank in connection with my/our application.The information may also be exchanged by you with any agency you may deem fit.You, your representatives or any other agency as authorised by you, may at any time, inspect/ verify my/our assets, books of accounts etc. in my/our factory/business premises.You may take appropriate safeguards/action for recovery of bank's dues.

CHECK LIST: (The check list is only indicative and not exhaustive and depending upon the requirements of banks addition/deletion could be made as per necessity)

Last two years balance sheets (wherever applicable as per Statutory requirements / Bank's instructions) of the units along with income tax/sales tax return etc.
Projected balance sheets for two years in case of working capital limits and for the period of the loan in case of term loan.
Sales achieved during the current financial year up to the date of submission of application/Provisional Balance sheet as at Previous Quarter End.
Asset & Liability statement of Proprietor/ Partners/ Directors.
If funds proposed to be infused by borrower, please specify Sources.
Detailed Particulars of securities primary/collateral proposed, if any.
Details of all liabilities of the enterprise, including the liabilities owed to the State or Central Government and unsecured creditors, if any.
Supporting details for the suggested remedial measures with the estimated time frame by the Enterprise to justify the action plan /solution.

Security Code* captcha

Select Branch*
Name of the Enterprise / Borrower*	Constitution * Proprietary Partnership Pvt. Ltd. Ltd. Company Others
Current Business Activity*	Current Office Address / Residential Address*	Landline Number
Mobile *	E-Mail*	Udyog Aadhaar No./ Registration No. *
Date of incorporation / Establishment *	Activity* MFG Trading Services Others	Brief of Business activity*
Banking with since*	SMA Status as on*	SMA* SMA-0 SMA-1 SMA-2
Banking arrangement * Sole Banking Consortium Multiple Banking

Gender * Female Male Transgender	Physically challenged* Yes No	Social Category * General SC ST OBC Women Minority
If Minority Community Buddhists Muslims Christians Sikhs Jains Zoroastrians

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