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Credit Covenants :

CREDIT APPROVAL MEMO (CAM)


Annual

CAM/Proposal No.

02/01/2014

CAM Revision Date

SME Client ID

202455

Customer Name

Constitution of the
Customer

Sole Proprietors

Customer Category

Normal

Contact No

Review
CAM Date

80861082
15/01/2015
Krishan Lal Batra And Bros,
AANPB8608C

Borrower Pan #
Address

C-1/409/4 Jaroda Gate Jagadhri


Jagadhri,Haryana,India

9896123707

Business Segment

Emerging Enterprises Group (Eeg)

Sourced By

DIRECT

Source Name

Direct

Credit / Product
Program

Sbf >10 To 25 L

LTS / CRM No.

Credit Labeling

Normal

Asset Classification

Standard

RAM Rating / Internal


Grade

5-

Ram Rating Id

RBI Code & Industry

27201 -Manufacture Of Basic


Precious And Non-Ferrous Metals
Like Copper, Aluminum, Zinc, Brass
Etc.(Smelting, Rolling, Re-Rolling,
Cold Rolling, Wire Drawing Etc.)

Customer Since In SME System

23/02/2010

Industry Exposure

FB Limit % :1.98\FB O/S % :1.94

Nature of Business

Manufacturing And Trading In Circle And Utensils

Line Of Activity

Manufacturing

Credit Group

Bbwc Credit

Facility Summary(Amount in Lacs)


Particulars
Facility Details

Existing Amount

Proposed Amount
Limit

Sub Limits

Sub Limits

Limit

Increase /Decrease Amt


Limit

Tenor

Sub Limits

1 /Term Loan/Term
Loan/Term Loan

3.60

3.60

0.00

0.00

42

2 /Cash Credit/Cash
Credit/Cash Credit

15.00

15.00

0.00

0.00

12

Total Exposure

18.60

18.60

0.00

Remarks For Facility Summary


M/S Krishan Lal Batra And Bros Has Requested For Plain Renewal Of Cash Credit Limit Of Rs.15 Lacs And Continuation Of Existing Term Loan
Remarks :

Recommended , Reviewed , Endorsed and Approved By


Proposed and Recommended By
A7703-Atulya Sharma

Reviewed By/Endorsed By
A6026-Adesh Seth
A7703-Atulya Sharma

Approved By
H1953-Himanshoo Sharma

Facility Terms And Conditions


TERMS AND CONDITIONS
Facility

Proposed Amount

Sub Limit

Interest/
Commission (%)

Tenor(in Repayment
Months) Frequency

Purpose

1 /Term Loan/Term
Loan/Term Loan

3.60

13.8

42 Monthly

Business Use

2 /Cash Credit/Cash
Credit/Cash Credit

15.00

13.8

12 Yearly

Business Use

Remarks
SlNo
1
2

Product/Sceme/Promo

Remarks

Term Loan

Continuance Of Term Loan

Cash Credit

Plain Renewal Of Cc Limit Of Rs.15 Lacs.

Documentation Details:
Standard documents as per credit policy for Working Capital Products - BBG/EEG/ABC portfolios to be obtained as per the borrower's constitution and
incremental facilities being availed
All documents as per policy and conditions stipulated in earlier CAM has been complied with, barring the following:
Details Of Deferrals :
Rm To Ensure Nil Defferals
Guarantors Details :
Na Plain Renewal
Additional Conditions/Documents :
All Documentation As Per Policy And Conditions Stipulated In Earlier Cam Has Been Complied With
Credit Covenants :
The Firms Tnw (Capital + Unsecured Loans From Promoters - Loans & Advances For Non Business Purposes) At Rs.38.0 Lacs As On 31.03.13 Be
Maintained During The Currency Of Overdraft.
Additional Conditions:
Satisfactory Rbi Check, Svr By Rm To Be Placed In Case File. ---- Prior To Upload.
Self Declaration For No Pendign Statutory Dues To Be Taken ---- Prior To Upload
Modalities Of Takeovers :
Na Existing Customer

Primary Applicant and Promoter Details


Relationship
Client ID

Appilicant Details

Applicant Type

Pan No

Address

202455

Krishan Lal Batra And Bros

Primary Applicant

AANPB8608C

921755

Subhash Chander Batra

Proprietor

AANPB8608C

C-1/409/4 Jaroda Gate


Jagadhri
,Jagadhri,Haryana,India
2052 Sri Nagar Colony
Jagadhari ,Yamuna
Nagar,Haryana,India

APPLICANT

PROPRIETOR

Shareholding Pattern
Shareholder / Director Name
MR.SUBASH CHAND BATRA

Total

Qualification
GRADUATE

Experience
30 YEARS

No of Shares Held
100

Shareholding %

Remarks

100

SUBASH CHAND BATRA


IS 100% OF SHARE
HOLDER
100.00

Applicant and Promoter Details


The Firm Is Under The Name Of Krishan Lal Batra & Bros At C-1/409/4, Jaroda Gate, Jagadhri.
Krishan Lal Batra & Bros Is One Of The Manufacturer And Trader Of Circle And Utensils From The Last 27 Year. The Promoter Mr. Subhash
Chander Batra Is B.A Having 35 Years Of Experience In The Above Said Line Of Business. In Addition To That There Was Earlier His Brother Mr.
Krishan Lal Batra And Mr. Satpal Punani Are Also Working As Partner. However In View Of Family Settlement , Both Mr. Krishan Lal Batra

And
Mr. Satpal Punani Got Retired From The Business And Mr. Subhash Chander Batra Is Running The Firm As A Proprietorship Concern Since April
2009.
Litigations pending / contemplated by other financiers, including banks, against the borrower :
As Per information no such litigation is there, however an undertaking confirming the same is stipulated to be obtained from company
Company / Directors / Group companies in RBI Defaulters list :
nil
Interest of Directors / Senior Officers (only approvers) of bank, if any :
As per information no such interest of directors or senior officers is there, However an undertaking confirming the same is stipulated to be obtained
from company

Total Facilities Availed With Banks / Institutions(Working Capital)(Amount in Lacs)


Facility

Banker
Hdfc Bank

FB-Limit/DP

Cash Credit

Total

FB-O/S

NFB Limit/DP

15.00

10.56

0.00

15.00

10.56

0.00

NFB Utilized
0.00

0.00

Existing Banking Details


The Firm Is Availing Cc Limit Of Rs.15 Lacs From Hdfc Bank Having A/C No.08728970000025. The Overall Churning Is Satisfactory. Interest
Servicing Dpd Is As Follows:
Months
Days
Jun---------9 Days
Jul---------1 Day
Aug----------16 Days
Sep--------3 Days
Oct---------9 Days
Nov---------3 Days

Security Details
Security
No./Security
Type
1/Stock

Security
Description/Address

Security value
(Rs in Lacs)

Stock

Owner name

Valuer Name

Margin %

15.00

25

2/Book
Debtors
debts/debtors

15.00

50

3/Properties

Residential Property/C4/2051,
JAGADHRI,
SRI NAGAR COLONY,
NULL,
135003,Jagadhri,Haryan

28.73 SUBHASH CHANDER


BATRA

10

4/Plant &
Machinery

P&M

4.85

Total

Property
Type/Occupancy
Type

RESIDENTIAL
PROPERTY

25

63.58

Security Details Remarks


110% Collateral Coverage

Security Linking Details


Sl No

Customer
Number

Proposed Security
No

Security No

Primary

Secondary

Existing/
Proposed

202455-Krishan
Lal Batra And
Bros

202455-1/Stock

2/Cash Credit

EXISTING

202455-Krishan
Lal Batra And
Bros

202455-2/Debtors

2/Cash Credit

EXISTING

202455-Krishan
Lal Batra And
Bros

2024553/Residential
Property

202455-Krishan
Lal Batra And
Bros

202455-4/P&M

1/Term Loan,2/Cash Credit

1/Term Loan

EXISTING

EXISTING

Security wise Remarks


Sl No

Security

Existing/
Proposed

Remarks

STOCK

EXISTING

MARGIN IS 25% on Stock < 90 days

DEBTORS

EXISTING

MARGIN IS 50% on Debtors < 90 days

RESIDENTIAL
PROPERTY

EXISTING

Collatera security to provide coverage of at least 10%

P&M

EXISTING

25% margin

Key Personnel /Promoters / Directors


Designation
(Promoter/ Director/ Key
Personnel)

Name
MR.SUBHASH CHANDER
BATRA

Self Employed

Qualification
GRADUATE

Responsibility
PROPRIETOR

Experience
30 YEARS

Borrower Profile
Histroy And Background
M/S Krishan Lal Batra & Bros Is A Proprietorship Firm Under Namely Mr. Subhash Chander Batra Has Been Running Manufacturing And Trading
In Circle And Utensils Since 1983. The Firm Was Started As Partnership Concern But It Change Into Proprietorship As On 01.04.2009. Reason
For The Same Was Due To Family Settlement As Confirmed By The Rm .
The Firm Is Availing A Cash Credit Limit Of Rs.15 Lacs From Hdfc Bank.
The Firm Has Achieved The Sale Of Rs.73.14 Lacs For The Fy 12-13.
Nature Of Business And Products Dealt In
The Firm Is Under The Name Of Krishan Lal Batra & Bros At C-1/409/4, Jaroda Gate, Jagadhri.
Krishan Lal Batra & Bros Is One Of The Manufacturer And Trader Of Circle And Utensils From The Last 27 Year. The Promoter Mr. Subhash
Chander Batra Is B.A Having 35 Years Of Experience In The Above Said Line Of Business. In Addition To That There Was Earlier His Brother Mr.
Krishan Lal Batra And Mr. Satpal Punani Are Also Working As Partner. However In View Of Family Settlement , Both Mr. Krishan Lal Batra And
Mr. Satpal Punani Got Retired From The Business And Mr. Subhash Chander Batra Is Running The Firm As A Proprietorship Concern Since April
2009.
Business Analysis
M/S Krishan Lal Batra & Bros Is A Proprietorship Firm Under Namely Mr. Subhash Chander Batra Has Been Running Manufacturing And Trading
In Circle And Utensils Since 1983. The Firm Was Started As Partnership Concern But It Change Into Proprietorship As On 01.04.2009.
Infrastructure And Operational Aspects (Including Production And Capacity)
Na
Marketing Network / Major Competitors / Other Details
Na
Industry Scenario
Na

Monthly Sales Details(Amount In Lacs)


Month

2012

2013

Jan

4.09

Feb

3.93

Mar

10.73

Apr

8.14

May

8.41

Jun

10.03

Jul

9.01

Aug

8.50

Sep

9.17

Oct

6.70

Nov

7.20

Dec

4.16

Total

4.16

85.91

Average

4.16

7.81

Banking Account Conduct (Amount in Lacs)


Monthly Credit / Deposits
Bank Name

Total

HDFC BANK

A/C No
08728970000025

OD Facility
Yes/No

Yes

A/C Limit
15.00

15.00

Months

Sales
amount of
the Month

Total of all the


credit of banks

Credit amount

Credit amount

Credit amount

Credit amount

Credit amount

Jun - 2013

24.06

24.06

10.03

Jul - 2013

10.07

10.07

9.01

8.50

8.50

8.50

11.25

11.25

9.17

Aug - 2013

Sep - 2013

Monthly
Credit to
Sales %
240

112

100

123
Oct - 2013

3.91

3.91

6.70
58

Nov - 2013

6.00

6.00

7.20
83

63.79

Total

50.61
126

Utilization of limits for OD accounts(Amount In Lacs)


HDFC BANK

Months
Account Limit

Months

15.00

CA / WC %

CA / WC %

Jun - 2013

52.67

Jul - 2013

91.47

Aug - 2013

97.13

Sep - 2013

92.20

Oct - 2013

95.07

Nov - 2013

96.73

CA / WC %

CA / WC %

CA / WC %

Banking Account Conduct Remaks


Sl No

Bank Name

Remarks

HDFC BANK

THE FIRM IS AVAILING A CC LIMIT OF RS.15 LACS FROM HDFC BANK HAVING A/C
NO.08728970000025

TOD Details (Amount in Lacs)

TOD Report For


Sl.No

HDFC BANK

08728970000025
From Date

To Date

No.Of Days

TOD Amount

Cheque Return Report


Sl No

Bank Name

A/C No

Type Of Cheque
Return

Cheque Return
Date

Cheque Amount

Cheque Return Reason

LC Remaks

BG Remaks
Banking Account Overall Conduct Remaks
SATISFACTORY BANKING CONDUCT

Financial Details
P&L Sheet (All figures in Rs. lacs)

31-03-2013

31-03-2011

31-03-2012
74.30

73.90

73.20

PBDIT

7.80

6.50

5.90

Interest

3.80

2.40

2.40

Depreciation

0.90

1.00

0.70

PBT

3.00

3.10

2.80

Tax

0.10

0.10

0.30

PAT

2.90

3.00

2.50

Cash Profits

3.90

4.00

3.20

Tangible Networth

30.50

26.20

10.40

Short Term Debt

14.80

12.50

14.80

Long Term Debt

2.00

2.90

3.60

Unsecured loans from promoters

16.20

12.60

13.20

Total Debt

33.10

28.00

31.60

6.80

0.40

7.40

70.37

54.73

49.38

Net Fixed Assets

5.40

5.50

6.40

Investments

0.00

0.00

2.20

Loans & Advances

8.70

10.60

0.60

Sundry Debtors

21.70

2.80

8.40

Inventories

32.10

33.30

30.60

Other Current Assets

2.50

2.50

1.20

Total Current Assets

65.00

49.20

40.70

Total Assets

70.37

54.73

49.38

Gross Margin (PBDIT/TI)

10.50

8.80

8.00

Net Margin (PAT / TI)

3.90

4.00

3.40

Current Ratio

3.00

3.79

1.84

Interest Coverage

2.03

2.67

2.45

DSCR

1.70

1.88

1.54

Debt / Equity Ratio

1.09

1.07

3.05

Leverage (TOL / Tangible Networth)

1.31

1.09

3.76

TOL (excl Unsec loans) / Tangible NW

0.51

0.41

1.09

89

67

56

Debtor Days

108

14

42

Inventory Days cost of sales

176

180

166

34

38

Total Income

Current Liabilities & Provisions

Total Liabilities

Current Assets / Sales

Creditors days as cost of sales


Latest Financial

Audited

Financial Remarks :
The Sales Of The Firm Has Increased By 1.15 % Amounting To Rs 73.86 Lacs In F.Y 2011-12 & It Has Decreased To Rs 73.14
Lacs Showing Decreased Of -0.97 % In F.Y 2012-13
Gross Margins Of The Firm Are 8 % In F.Y 2010-11 & It Has Increased To 8.8 % In F.Y 2011-12 & It Has Increased To
9

10.5 % In F.Y 2012-13


The Raw Material Costs Are 91.3 % In F.Y 2010-11 & It Has Decreased To 91 % In F.Y 2011-12 & It Has Decreased To 90.6 % In
F.Y 2012-13
The Net Margins Of The Firm Are 3.4 % In F.Y 2010-11 & It Has Increased To 4 % In F.Y 2011-12 & It Has Decreased To 3.9 % In
F.Y 2012-13
The Cash Margins Of The Firm Are 4.3 % In F.Y 2010-11 & It Has Increased To 5.3 % In F.Y 2011-12 & It Has Decreased To 5.2
% In F.Y 2012-13
Inventory Holding Day Was 166 Days In F.Y 2010-11 & It Has Increased To 180 Days In F.Y 2011-12 & It Has Decreased To 176
Days In F.Y 2012-13
The Day S Debtors Levels Are 42 Days In F.Y 2010-11 & It Has Decreased To 14 Days In F.Y 2011-12 & It Has Increased To 108
Days In F.Y 2012-13
The Current Assets/Sales Is 56 % In F.Y 2010-11 & It Has Increased To 67 % In F.Y 2011-12 & It Has Increased To 89 % In F.Y
2012-13
The Liquidity Position Of The Firm Is Satisfactory With The Current Ratio Is 1.84 In F.Y 2010-11 & It Has Increased To 3.79 In F.Y
2011-12 & It Has Decreased To 3 In F.Y 2012-13
The Interest Coverage Ratio Was 2.4 In F.Y 2010-11 & It Has Increased To 2.7 In F.Y 2011-12 & It Has Decreased To 2 In F.Y
2012-13
The Loans & Advances Are Rs 0.58 In F.Y 2010-11 & It Has Increased To Rs. 10.55 In F.Y 2011-12 & It Has Decreased To Rs.
9.28 In F.Y 2012-13

Stock and book debts and Creditiors Satement(Amount In Lacs)


SlNo

Month/Year

Curr.

Stock

Debtors

Creditors

Total Amount

Apr-2013

INR

23.55

21.71

0.00

45.26

May-2013

INR

0.00

0.00

0.00

0.00

Jun-2013

INR

0.00

0.00

0.00

0.00

Jul-2013

INR

31.67

18.46

10.82

39.31

Aug-2013

INR

0.00

0.00

0.00

0.00

Sep-2013

INR

0.00

0.00

0.00

0.00

Oct-2013

INR

22.10

19.70

0.48

41.32

Justification
Margin Is 25% On Stock
Margin Is 50% On Book Debts
Margin Is 25% On Creditor

ASSESSMENT OF FACILITY PROPOSED:


Turn Over Method(Amount in Lacs)
Particulars

Calculation

Amount

Sales Turnover - 2013

(A)

73.14

Sales Turnover Expected - 2014

(B=A+(37% of A))

Maximum Working Capital Limit - 25% of expected Sales

(C=(25% of B))

25.05

Minimum Margin to be brought by Borrower

(D=(20% of C))

5.01

Maximum WC Limits Eligibility

(E=C-D)

Credit Facility already availed with other banks

(F)

0.00

Maximum WC Limits Eligible

(G)

20.04

100.20

20.04

Justification :
Plain renewal of cc of Rs.15 lacs
Unhedged Exposure(Rs in Lacs)
10

I.Exchange Risk of the Borrower


A. Net FX position
Total FX earnings(A)
Total FX Outgoing(B)
Net FX position(A-B)
B. Details of unhedged Position
Total Inflows(C)
Total outflows (including FX borrowings which are not hedged)(D)
Net Unhedged Position (D-C)
C.Current MTM Position with us and others

Comments

II.Financial Details
Details

FY

Internal Rating(HDB 5/6/7 etc)


30.5

TNW( Rs Mn)
Total Unhedged Exposure

Eligibility Criteria
Bench Mark Value
Sl.No

Actual

Program Type
Text

Numeric

Text

Numeric

Sbf >10 To 25 L
Listed In Rbi Defaulters List
16

No

No

17

Listed In Any Negative Or Rejected Database Of


Hdfc Bank

No

No

23

Property Proposed Other Than Resi / Commercial


Property For Odap Facility

No

Na

No

No

Yes

Yes

Listed In Cibil Database


26
Satisfactry Cpv By Bank Officer
29

30

Biz. Stability Vintage In Yrs / Minimum Years In


Same Business

5.00

31.00

I/W Chq. Rtn Per Quarter


31

3.00
Tod Days Per Quarter

34

10.00
Interest Servicing Within No. Of Days Of Month

35

7.00

16.00

75.00

126.00

Min % Of Churn In The Bank Account


36
Satisfactory Tl Rep. And Prom. Personal Track
37

Yes

Yes

Cc/Od+Lc+Bg Limits Upon Prev. Yr Sales


41

20.00

21.00

11

Pmb Upon Facility Amount


43

1.00

2.50

Positive Tnw And Pat For The Latest Financial


44

Yes

Yes

Collateral Coverage
53

1.33

1.33

35.00

35.00

35.00

35.00

200.00

200.00

1.50

1.50

Margin On Residential Prop. For Odap - Ltv


55
Margin On Commercial Prop. For Odap - Ltv
56
Enhancement Over Existing Limits
64
Pmb Upon Facility Amount 2
84

Deviations
Deviation Level

Deviation Description

Deviation Type
SYSTEM

CC/OD+LC+BG LIMITS UPON PREV. YR


SALES

SYSTEM

INTEREST SERVICING WITHIN NO. OF


DAYS OF MONTH

Deviation / Eligibility Criteria :


Customer Has Achieved Sales Of Rs 75 Lakhs In Last Fy 12-13 And Customer Is Projecting Sales Of Rs 100 Lakhs In Current Fy 13-14 Which Brings
Cc Exposure To 15% Of Proposed Sales.
Interest Servicing Is Deayed Once By 16 Days For The Month Of Aug, Otherwise Interest Servicing Is Regular. Recommended For Approval Being
Plain Renewal
Based On Above Case Is Recommended For Plain Renewal Of Cc Limit Of Rs. 15 Lacs For One Year And Continuation Of Exisitng Term Loan On
The Basis Of Proposed Sales And Good Banking Conduct.
Risk And Mitigant :

Comments Of Auditors :

WAYS OUT ANALYSIS :


1.Cash Flows Of The Business
2.Liquidation Of Primary Security
3.Revocation Of PG whenever available
4.Legal Recourse
5.Collateral Security / Others / Guarantee (when ever available)
EARNINGS (from the Relation to The Bank) :

Recommendations :
Considering Satisfactory Conduct Of Account, Good Business Vintage And In View Of Overall Financial Position, Case Is Recommended For Plain
Renewal Of Cc Limit Of Rs. 15 Lacs For One Year And Continuation Of Exisitng Term Loan Subject To Terms And Conditions Mentioned In The Cam.

Customer Grading :

Sl.No

Criteria:

Management

Years in business

Family in business

Grade A (4
marks)

Grade B (4
marks)

Grade C (4
marks)

Grade D(4
marks)

Details

Details

20
>=15 years

>=10 years

>=5 years

< 5 years

3rd generation 2nd generation 1st generation -

31

31

1st
generation

1st generation

20
4

12

Promoter involvement &


competence

Business Criteria

High
Multiple
involvement & businesses
competence
less
personalised
attn

Dependence on customers Upto 5


Max. Share of any customer in
applicant's sales

Dependence on govt. policies

Impact of technology change

5-10

No experience is a side
activity

High

10-20

5-10

Above 20

High
4

5-10

Low

Medium

High

High

High

Low

Medium

High

Medium

Medium

>2

>=1.5

>=1

<1

2.51

2.51
209

Financials

PMB/Facility Amount

Ability to raise funds from


internal sources

>= 50 of (TNW >= 25 of (TNW >= 10 of (TNW < 10 of (TNW


+ USL) of
+ USL) of
+ USL) of
+ USL) of
previous year previous year previous year previous year

251

Current Ratio

>=1.5

>=1.33

>=1

<1

3.00

3.79

ISCR

>=4.0

>=3

>=2

<2

2.03

2.67

Net Profit Margin


>=7.5

>=2.5

>=1.0

<1.0

>=5.0

>=2.0

>=0.5

<0.5

<= 25

<=40

<=75

>75

88.9

66.6

For manufacturers

<=60 days

<=90 days

<=120 days

> 120 days

For retail / distributors/


services

<=30 days

<=60 days

<=90 days

> 90 days

108

14

For manufacturers / dealers/


distributors / services

<=60 days

<=90 days

<=120 days

> 120 days

For Retail

<= 90 days

<=120 days

<=180 days

> 180 days

176

180

Auditor Qualification

No
qualification

Low
implication

Material
Implication

No
qualification

No
qualification

10

TOL

<=1.5

<=2.0

<=3.0

> 3.0

0.51

0.41

For Manufacturing
For Retail / Distributors /
Services
6

Current Assets / Sales

Debtor Days

Inventory Days

Financial Trends

Sales turnover

>=110 of last 2 >=90 of last 2 60-90 of last 2 < 60 of last 2 100


years average years average years average years average

101

Net profits

>=110 of last 2 >=90 of last 2 60-90 of last 2 < 60 of last 2 107


years average years average years average years average

121

>=125 of last 2 >=110 of last 2 >=100 of last 2 < 100 of last 2 149
Net worth + Unsec loans from
years average years average years average years average
promoters

165

Total Outside Liabilities /


Tangible Networth

<=90 of last 2 <=110 of last 2 110-150 of last > 150 of last 2 54


years average years average 2 years
years average
average

29

Current ratio

>=110 of last 2 >=90 of last 2 60-90 of last 2 < 60 of last 2 107


years average years average years average years average

206

Banking Behaviour

13

Overdrawing / TOD

Repayment Track Record

Cheque Returns

Churn

No
overdrawing

Occasional
Overdrawing

Usually
Overdrawn

No
overdrawings

No
overdrawings

Prompt

<=30 days

> 30 days

Prompt

Prompt

No cheque
bounces

Outward
Cheques

Inward
Cheques

No cheque
bounces

No cheque
bounces

>= 75

>= 60

>=50

<=50

>= 75

>= 75

Score

68

Rating

5-

Grading Remarks
Score Ou To Be 68 With Grading 5-

Approval
Reason

EXISTING CUSTOMER

Remarks

RECOMMENDED FOR APPROVAL

Approved by

HIMANSHOO SHARMA

Annexures:

CRI Details
Proposal No

80861082

Client No

Client Name

KRISHAN LAL BATRA


AND BROS

202455

Non Banking Financial


Company (NBFC)

Priority / Non Priority Sector : MANUFACTURING ENTP- MICRO


Credit

SME Classification

MEDIUM MANUFACTURING

Capital Market Exposure

: NO

Real Estate Exposure

NO

Commodities Exposure

Sensitive Sector

Commodities Details

Gross investment in P & M

Group Exposure

: NO

PSU

: No

Banking Method

Name of the Group belongs :


to
Backed by Government
guarantee

Our Share (%)

Terms of % age

: 0

Lead/Member Bank

Project Finance

Under IFC's Exclusion list

Subsidy Flag

SSI

Segment

: EMERGING ENTERPRISES GROUP

Project cost(Rs)

: 0

Amount of Sanction from


Nodal Agency

: 0

No

SEMS Guidelines Applicable :


TUFS

Eligibility Certificate No

Unit

Date of submission to Nodal :


Agency
:
Date of Sanction from Nodal
Agency

Sole

Total cost of machinery


eligible under tufs

0.00

RBI Defaulter

: NO

Litigation

NO

Interest of Directors of the


Bank

: NO

Original Investment in
Equipment

14

Caution advice Check


Proposal No

Clients No

Clients Name

Status(Match/No Match)

****End of CAM****

15

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