APPRAISAL MEMORANDUM

CIRCLE : N.E.Circle,
BRANCH : Dawrpui – 4809

1.a) Borrower’s Profile

Name : M/S V.LALLIANA & SONS
Address : New Market, Aizawl
Ph – 2324923 (S),Ph – 2321914 (R)

Segment : C & I (Trade & Services)

Constitution : Proprietorship

Name of Proprietor : Mr.V.Lalliana

and Address New Market, Aizawl
Ph – 2324923 (S),Ph – 2321914 (R)

IRAC Status : Standard.

Industry : Trade & Services

Activity : Dealer in sales of hardware goods & paints.

Date of Incorporation : 1964

Banking with us since : 1975

Banking Arrangement: a) Existing Connection - Cash Credit limit of Rs.25.00 lacs

b) New Unit : No.
c) If takeover, whether all norms complied with : Does not arise

b) Brief Background : The Unit is a proprietorship concerned with Mr.VLalliana as a proprietor,

established in 1964 dealing in sales of hardware items and paints at New
Market, Aizawl.
In the initial stage, A Cash Credit limit of Rs.3.90 lacs was sanctioned
to the firm in the year 1985 vide Regional Office, Shillong letter No.29/70
dt,18.02.1985. The business growth during the last ten years was good and
the profit also grew steadily. Hence, the limitb was enhanced to Rs.20.00 lacs
vide Regional Office letter No. 2/599 dt. 17.05.2003.

c) Brief condition of company

The Unit is classified under Trade & Services sector. The Unit is one of the oldest saler of hardware
goods & paints in the city and the location is the best place for line of business in the city. Besides, the
unit is well-established and having good reputation in the market.
d) RMD Advisory dated :
Qualitative approach :
Quantitative approach :
Comments :

e) Indebtedness/Exposure & Capital Charge:

Company Group Proposed Exposure
Indebtedness Existing Propose Existing Propose Credit Risk
d d conversion weight
factor
Fund based 25.00 25.00 - -
Non Fund Based - - - -
TOTAL (Indebtedness) 25.00 25.00
Investment - - - -
-
Leasing - - - -
TOTAL(Exposure) 25.00 25.00 - -
Capital Charge for Total Exposure

2. PRESENT PROPOSAL :
a) Sanction of Fund Based Working Capital limit of Rs.25.00 lacs
This proposal falls within the powers of the Chief Manager as Fund Based Total Indebtedness is Rs.30.00
lacs(non-corporatte)

b) Credit Limits(Existing and Proposed (Rs.in lacs)

Existing Proposed Change
Limits SBI % Total SBI % Total SBI Total
Cons/MBA Cons/MBA Cons/MB
A
FBWC 25.00 25.00 - -
TLs
TOTAL FB 25.00 25.00 - -
LC
BG
TOTAL NFB
TOTAL 25.00 25.00 - -
FB + NFB

c) SHARING PATTERN: (Rs.in lacs)

Financial Arrangement : Sole Banking/Consortium/Multiple Banking
Lead Bank :
FB NFB TOTAL
SBI 25.00 - 25.00
Ass. Banks - - -
SBI Group - - -
Other Banks - - -
TOTAL 25.00 - 25.00

3.PERFORMANCE AND FINANCIAL INDICATORS: (Rs.in lacs)

Last 2 yrs. Current Next Q/HY results as on
Actuals Year Year
2009 2010 2011 2012 Prev.Yr Curren
. t Year
Install cap.Qty. - - - -
Net Sales Qty. - - - -
Net Sales (value) 297.11 313.21 330.00 350.00 Sales
Exports - - - - (Exports
)
Operating Profit
PBT 10.79 12.40 14.00 15.60
PBT/Net Sales 3.63 3.96 4.24 4.46
PAT 10.79 12.40 14.00 15.60 PAT
Cash Accruals 11.13 12.69 14.24 15.81
PBDIT 14.08 15.52 17.24 18.91 b.Industry Exposure as on
PUC 52.21 55.57 60.87 65.00 FBL
TNW 55.57 60.87 65.00 69.00 NFBL
Adj.TNW 51.54 56.61 59.30 62.80 Total
TOL/TNW 0.51 0.43 0.45 0.43
TOL/Adj.TNW 0.55 0.46 0.49 0.48
Total CA 72.93 75.92 81.80 86.52
Current Ratio 2.57 2.91 2.82 2.88
NWC 44.51 49.87 52.80 56.52

-
 Comments : Sales : Net Sales was Rs.297.11 lacs last year with an increase in 94.91% from 2009.
The firm’s projected turnover Rs.350.00 lacs for March, 2011 (20.49% increase) is considered to be
achievable in view of past performances and proposal for enhancement of Cash Credit limit from
Rs.10.00 lacs to Rs.25.00 lacs.

Profitability : The PBT/Sales projected at the level of 4.46%. The net profit and Net Working Capital
are expected to increase over the years due to retention of profit. Therefore, the projected level of
profitability is considered acceptable.
TOL/TNW : The projected ratio is well above the benchmark and is acceptable. The is no outside
borrowing except sundry creditors as well as advance received from customers.
Current Ratio : The projected ratio is also well above the bench mark and the position is considered
acceptable.

c) Movement in TNW (Past three years): (Rs. in lacs)

Audited Audited Audited
31.03.08 31.03.09 31.03.2010
Opening TNW 48.25 52.21 55.57
Add PAT 10.20 10.79 12.40
Add. Increase in equity/premium - - -
Add/Substract change in intangible assets - - -
Adjust prior year expenses - - -
Deduct Divident Payment 6.24 7.43 7.10
Closing TNW 52.21 55.57 60.87

4. RISK ASSESSMENT :

a) Credit Rating
Borrower Rating Facility Rating
Working Capital Term Loan Facilities Existin Propose
g d
Exist. Pros. Exist. Pros. Hurdle
rate
CRA SB-2 SB-1 Cash SB-1
Credit
CRISIL
ICRA
Others

Existing Proposed
CRA based on audited balanced sheet as on - 31.03.2010
Validated on

b) Risk and mitigating factors :

Critical risks preceived
Due to location of shop is in the main
heart of the city and financial crisis in the
state, there can be traffic problem and
decrease of purchasing power of the
people and therefore sales may not be
upto the level of estimated..
Mitigating factors
The items dealt with is essential
commodities for our life and demand
could not be increased even though
financial crisis in the state. Besides, the
unit is well established and having good
reputation in the market.

c) Warning signals/Major irregularities in Inspection Report/

-
 Credit Audit/Other Reports
Reports Warning signal/ Comments
Major Irregularities
I/A Audit Report Nil Nil
Credit Audit Reports
Other Audit Reports
Qualification if any, in Auditors report

d) SECURITY :
Details Valuation & basis of Date of valuation /
valuation Opinion Report
Primary Security Hypothecation of Audited statement
hardwares & paints & personal
inspection
Collateral 1 )Equitable of landed Valuation done by ……………
Security property owned by Mr. Bank’s Empanelled
V.Lalliana at New valuer Rs-47.78 lacs
Market, Aizawl under
LSC No.AZL.76 of 1969,
market value of Rs.47.78
lacs
2) Lien on STDR for
Rs.10.00 lacs
Guarantee Vanthangpuia,Dawrpui, Opinion Report …………..
Aizawl
Collateral For SBI 100%
Coverage % For Others

e.) Changes in security if any, Justification: Not applicable

4. PRICING :0.75% above SBAR 11.75%wef 29/06/2009

Minimum -12.50%

a) Conduct of Account : (Last Year)

No.of occasions Average period for Irregularity report
regularisation last submitted on
Irregularity in Nil Nil Nil
Working Capital
Comments : - - -
Irregularity in - - -
Term Loan
Comments - - -
Utilisation of limits
FB Limits Average Utilisation 90%
NFB Limits Average Utilisation %

b) Income Analysis : (Rs in lacs)

SBI
From Estimates Actuals Estimates
(Last Year) (Last Year) (Current Year)
WC Int. - 0.79 3.00
TL Int,. - - -
LC - - -
BG - - -
Bill - - -
Forex - - -
Others - - -
-
Interest & Other Charges as per latest SBI Share Amount and percentage
Balance Sheet dated 31.03.2010
Interest SBI Share Amount and percentage
Rs.0.79 lac is SBI (100%) as Interes on
Other Charges Cash Credit account

c) Other Bank’s/FIs Pricing

Existing Proposed
Term Loan Nil Nil
Working Capital Nil Nil

d) Proposed Pricing :
ITEM Existing Rate Card rate Proposed Rate
Int. on WC SB-1
Int. on TL -
Processing fee Rs.17,500
Commit charges
Upfront fee
LC
BG
Justification for concessions already extended/propose(mention about cost benefit)

6. LOAN POLICY : DEVIATIONS AND COMPLIANCE :

a) Whether names of promoters, directors, company, group concerns figure in
defaulter/willful defaulters list
RBI defaulters’ list dated : No
Name of the Director Default in connection
with: Not applicable
(Name of the company)
Justification for considering
continuation/enhancement in Does not arise
facility

Willful defaulters’ list dated : No

Name of the Director Default in connection with:
(Name of the company) Not applicable

Justification for considering

continuation/enhancement in Does not arise
facility
ECGC caution list N.A.
CIBIL N.A.
b) Deviations in Loan Policy :
Parameters Indicative Company’s level
Min/Max. level as on 31.03.10
1. Liquidity Min. 1.33 ……
2. TOL/TNW Max. 3.00 0.43
3. Average gross DSCR (TL) Min. 1.7 -
4. Debt/Equity Min. 2:1 -
5. Promoter’s contribution to the Max. 20% 25%
project (TL
6. Prudential Norms -
7. FB exposure to the industry -
8. Substantial exposure : Borrower -
9. Substantial exposure : Group -
10. Others -

-
c) Deviations in Take over norms and comments : Not applicable

d) Directors of the borrower company are relatives(scope of the terms ‘relative as defined in RBI Master
Circular on loans and advances – Statutory and other Restrictions) of any members of the Bank’s
Board/Senior Officer of the Bank/Member of any other Bank’s Board -
No

e) Compliance with Section 20 of the Banking Regulation Act : Whether any of the Directors of the Bank
is Director of the borrower company or is having any interest in the same :
Not applicable

7. a) Future Plans & Business potential (ver a 3-5 Year horizon) including Cross Selling/Retail Marketing
based on Co./Group future plans (to be quantified)
Items Present Position – Business
Whether Tie-Up ? Estimated.
(Yes/No)*
i) Corporate Salary Package
ii) P Segment Loans
a) Housing
b) Auto Loans
c) Personal Loans
iii) SBI Credit Card
iv) SBI Life
v) SBI Mutual Funds
vi) SBI Vishwayatra Foreign Travel Yatra Cards
vii) Vendor/Dealer Finance
viii) Any Other(specify)

b) Environmental and sustainability implications : Does not arise

c) Earlier terms of sanction : compliance status : Does not arise

d) Statutory dues/Other contingent liabilities :

Dues Level (Rs.in lacs) Impact on financial position
Statutory Dues Nil
Contingent Liabilities Nil

8. a) Justification for the proposal : (Only bullet points)

Subject to the following, the proposal is considered a fair banking risk keeping in view of the
following :

a) The promoter, Mr. V.Lalliana is maintaining good credit in the market. The family is also well-
established.

b) Sufficient collateral security will be available to cover our exposure in the form of landed
properties and personal guarantees.

c) There is a good demand for the products as the items dealt with is essential commodities in our
life and market competition is not tough in this line.

d) The Unit is a well-established with proven track records.

b) Recommendation for saction/approval

-
 In view of the above, I recommend for sanction of Cash Credit limit of Rs.25.00 (Rupees twenty
five lacs only)under C&I segment for a period of one year.

ASSESSMENT OF WORKING FACILITIES

a) Inventory & Receivable level : (Months/Days)

Inventory/Payments Actuals Estimated Projected
Raw Materials - - -
-Imported - - -
-Domestic - - -
SIP - - -
FG 55.30 56.00 57.00
Receivables 19.37 24.20 28.00
Sundry Creditors - - -
- Import - - -
- Domestic - - -

b) Assessed Bank Finance :

Assessed Bank Finance Actual Estimated Projected

Year 2010 2011 2012
TCA 75.92 81.80 86.52
OCL 3.85 4.00 5.00
WC Gap 72.07 77.80 81.52
NWC 49.87 52.80 56.52
BF 22.20 25.00 25.00
NWC/TCA(%) 65.69 64.55 65.33
FB/TCA(%) 29.24 30.56 28.90
OCL/TCA(%) 0.00 0.00 0.00

c. Assessment of EPC/FBD limits : Not applicable

d) Computation of LC Limits for WC : Not applicable

Annual RM Cons.under LC -
Monthly RM purchases -
Usane -
Lead time -
L/C limit required -
Recommended LC limit -
Documentary : Non Documentary

e) Assessment of BG limit :
Outstanding BGs as on….. Not applicable
Add : BGs required during the period……. Not applicable
Less : Estimated maturity/cancellation of BG
During the period………..
Requirements of BGs
Recommended BG limit
-
 Financial :

f) Efficiency ratios :
Particulars A A(E) E P
Net Sales to Total Tangible assets(times) 3.60 3.51 3.54
PBT to Total Tangible Assets (%) 14.27 14.89 15.7
6
Operating Cost to Sales(%) 96.28 96.00 95.8
3
Bank Finance to Current Assets(%) 29.24 30.56 28.9
0
Inventory + Receivables to Net Sales(days) 0 0 0

g) Fund Flow Analysis:

For the Year 2009 2010 2011 2012
Long Term Sources 15.48 16.39 19.83 20.18
Long Term Uses 11.64 10.69 16.61 16.23
Long Term Surplus 3.84 5.70 3.22 3.95

TERM & CONDITIONS

CIRCLE : N.E.

COMPANY : M/S V.Lalliana & Sons

A. Security
Facility : Cash Credit

Primary : Hypothecation of entire stocks, receivables, inventory and all other current
assets of the unit both present and future.

-
 Collateral : 1)Equitable of landed propertyowned by Mr. V.Lalliana at New Market,
Aizawl under LSC No.AZL.76 of 1969, market value of Rs.47.78 lacs
.
2)Third Party guarantee of Mr.Vanthangpuia,
Prop: of M/S Life Drug Centre, Upper Bazar, Aizawl whose Net at Rs 52.00
lacs.

3) Pledge of STDR No.626687. dt. 25.03.2004 for Rs. 5,00,000/- in the name
of Mr. V.Lalliana, A/C No. 10276826539, Amount of Rs. 7,12,088

B. ECGC COVER : Not applicable.

C. MARGIN :
Cash Credit Existing Proposed
RM : Domestic - 25%
: Impoted - -
SIP - -
FG - -
Receivables(Cover 90 days) - -
Letter of Credit - -
BG - -

D. RATE OF INTEREST : Facility : Cash Credit

CRA : SB-2
Pricing : SB-1

E. INSURANCE : To be done for market value covering all

Insurable risks

F. PROCESSING FEE : Processing Fees to be realized @

Rs 500 per lacs

G. INSPECTION : Inspection to be done at monthly irregular

Interval.

H TERM LOAN MARGIN : Not applicable

H. i) Repayment Schedule : Not applicable since repayable on demand

ii)Repayment to start from : Not applicable since repayable on demand

I. OTHER CRITICAL COVENANTS :

i) Loan will be disbursed after completion of all formalities.

ii) Equitable mortgage and Equitable Mortgage on LSC will be created free from all defects.

iii) The applicant will bank only with SBI

iv) Stock statement should be submitted monthly.

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FEEDBACK REPORT
Name of Firm : M/S V.LALLIANA & SONS

EXISTING CONNECTIONS
1.a. NATURE OF PROPOSAL: Renewal at existing level/ with enhancement
1.b. Date of receipt of application with CMA data at the branch: N.A.
2. Facilities sought
(Rs. in lacs)
Existing Proposed Change
Facilities (+ / -)
CASH CREDIT- (HYP) 25.00 25.00 -
- (BOOK DEBTS)
WCDL Nil. Nil. NIL
EPC/ PCFC NIL NIL NIL
EBD/ EBN NIL NIL NIL
DDP (Cheques) NIL NIL NIL
(Bills) NIL NIL NIL
Term Loan Nil. NIL NIL

Letter of Credit NIL NIL NIL

Bank Guarantees . Nil.
Others NIL NIL NIL

[In case of Consortium/MBA, details of the existing/ proposed limits with individual banks, facility wise]

3. Indicative change sought in the existing terms and conditions (Only change from existing terms and conditions of
sanction need be mentioned):
a. Primary Security
b. Collateral Security (if any) *
c. Personal Guarantee
d. Pricing (Facility wise)
Hypo. of stock-in-trade(LPG)
Equitable of landed property owned by Mr.
V.Lalliana at New Market, Aizawl under LSC
No.AZL.76 of 1969, market value of Rs.47.78 lacs
Third Party guarantee of Mr.Vanthangpuia,
Prop: of M/S Life Drug Centre, Upper Bazar,
Aizawl whose Net at Rs 52.00 lacs.
.
Dispensed with SBI Trader’s Easy Loan

e. Margin Cash Credit-25%

Bank Guarantee –…na..%
f. Upfront/ processing fees Existing -Rs. 20,000
Proposed – Rs.25,000
g. Repayment terms/ tenor in case DNA
of Term Loan
h. Special conditions, requirement DNA
of the Co.

i. Details of reset of interest rates in DNA

respect of existing TLs including
date of last reset
j. Whether any modifications in the DNA
-
 standard covenants are required
and if so, details.

* Details of existing collateral security furnished under item 10

4.a Income Analysis (Borrower) (Rs. In lacs)

Estimates Actuals Estimates Projections
(2009-10) (2009-10) (2010-11) (2011-12)
Working capital interest 2.00 2.29 2.80 3.00
Term Loan interest - - - -
Income from LC
Income from BG
Income from Bills
Processing charges 0.10 0.15 0.15
Upfront fees
Commitment Charges
EM Creation/extension charges - - 0.15 -
Exchange earned from
remittance business
Commission from cross selling
(SBI Card/SBI Life/SBI Mutual
Funds/New India Assurance
Forex business
- Sales
- Purchase
- Derivative products turnover
- Remuneration
Other Income (Please specify)

4.b VALUE OF THE GROUP: (Rs. in lac)

Estimates Actuals Estimates
(2008-09) (2008-09) (2009-10)
Interest

Exchange

Commission
Other Income
Forex business - Sales
- Purchase

4. c. Quarterly / Half yearly cumulative performance (For existing unit):

(Rs. in lac)
Up to last quarter Up to corresponding Quarter
(Current Year) (Previous Year)
PBT

4. d. Quarterly net sales performance of the Company/ Unit:

[Only Net Sales figures pertaining to a quarter need to be furnished (without cumulative figures)]
(Rs. in lac)

PREVIOUS YEAR (Last) CURRENT YEAR

Quarter - I 68.89 75.00

Quarter - II 69.73 86.00

-
Quarter - III 70.98 92.00

Quarter - IV 72.05 97.00

5.a. Conduct of the account (s) (last year)

No. of times No of Total Average Report submitted Report confirmed
the account occasions No. of period of
was days regularization
Upto To Upto By
irregular (days)
month authorit month authorit
(Please
y y
specify
facility-wise)
Cash Credit Nil Nil Nil Nil Nil Nil Nil

Term loan Nil Nil Nil Nil Nil Nil Nil

Letter of Nil Nil Nil Nil Nil Nil Nil

Credit
Bank Nil Nil Nil Nil Nil Nil Nil
Guarantee
Other Nil Nil Nil Nil Nil Nil Nil
accounts
In case of irregularity in the Term Loan a/c, please mention whether the irregularity was due to non-payment of installment/
interest.

5.b. Utilisation of limits:

5.b
Average utilization: 94.14 %
Average utilization: N.A. %
FB Limits : Rs.25.00 lacs

6. Compliance of observations of sanctioning authority:

S.No. MCCC/ WBCC/ CCC/ ZCC observations at the time of Compliance status
last sanction
Routing of Sales proceeds into account Complied with

7. REVIEW OF ACCOUNTS (AS ON 31st March 2010)

(A) WORKING CAPITAL FACILITIES (corresponding to Co’s last F.Y.) ‘ in lacs
CC WC(OD) EPC BD
i) Outstanding as on opening date of F.Y 17.72 - - -
ii) Total debits during the year 269.97
iii) Total credits during the year* 272.82
iv) Outstanding as on closing date of F.Y. 14.87

-
 v) Minimum outstanding (on 20.11.2009) 14.90
vi) Maximum outstanding (on 31.07.2009) 20.01
vii) Average advance value of primary
security
viii) Interest earned during the year 2.29

(b) LC account (corresponding to Co’s last financial year) (Rs in lac)

Number Amount
i) Nil Nil
Outstandings on the opening date of
F.Y
ii) LCs opened during the year Nil Nil
iii) LCs paid during the year Nil Nil
iv) LCs devolved during the year (out of (iii) above) Nil Nil
v) Outstandings as on closing date of F.Y. Nil Nil
Nil Nil
vi) LC issuance charges recovered during
the year

(c) Bank Guarantee account (corresponding to Co’s last financial year) (Rs in lac)
i) Outstanding as on opening date of F.Y. N.A.

ii) BG’s issued during the year

iii) BG’s cancelled/expired during the year

iv) BG’s invoked during the year

(Out of ( iii) above)
v) Outstanding as on closing date of F.Y
vi) BG commission recovered during the year

(d) Break up of Bank Guarantees (Rs in Lacs)

Particulars Amt. In Cr. Particulars Amt. In Cr.
Security Retention Money Nil

Bid Bond Nil Performance Guarantee Nil

(e) Details of retail banking/ any other business generated through the account / Cross selling (as per details below):
(Rs. in lac)
S.No. Head
No. Amount
1 Per segment business mobilized
Amount (No of loans) from
i) Housing Loan
ii) Car Loans
iii) Personal Loans
iv) Any other per loans
Total Per loans mobilized
2 Deposits mobilized from the unit/ Promoters /
Employees
(Rough average balance during the year)
i) Current Account
ii) Salary Account
iii) Fixed Deposits
TOTAL
3 Government business routed through us
4 SBI Mutual fund business mobilized
5 SBI Life Policies sold – Amt (no.)
PAI policies of The New India Assurance Company
Limited for Bank’s loans
-
6 SBI Credit Cards
7 ATM Cards issued

f. TECHNOLOGY PRODUCTS
S.No. Head Yes / No
1 Corporate Internet Banking Introduced? No
2 Multicity Cheques Issued? Yes
3 Cash Management Product Introduced? No
4 Supply Chain finance introduced? No

g. ANY CONCESSIONS EXTENDED

S.No. Head Extent of concession

1. Inland Remittance
2 Bank Guarantee commission
3 Commission on export bills
4 Others (Specify)

8. Group Profile:
Net Means (as on………)* Date of report
Name of the borrower /
guarantor
Borrower-(Proprietor) – V.Lalliana Rs. …….. lacs

Guarantor- Vanthangpuia Rs. …. lacs

Note :
a. Associate concern details as per enclosed format to be enclosed.
b. Opinion report in the enclosed IBA format may please be obtained and a copy furnished to us for our records).

9. Present position of the borrowing Company’s/ Unit’s accounts: (as on 22.11.2010)

(Rs.in lac)
S.No. Facility Limit MVS AVS Drawing Outstanding Irregularity, if
sanctioned power any
1 CC 25.00 - - 25.00 Rs…. lacs
NIL
2 BG Nil.
NIL

10. Details of existing and additional collateral security : (Rs. In lacs)

Particulars of collateral Market Realisable Govt. Valuation by Date of Date of
security * Value Value notified Banks Inspection creation of
value approved of mortgage
valuer on Collateral
Equitable of Rs- Rs- 20.11.201
landed property 47.78 lacs 47.78 lacs 0
owned by Mr.
V.Lalliana at
New Market,
Aizawl under
LSC No.AZL.76
of 1969.
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11. Major Irregularities pointed out in various Inspection/Audit Reports –which impact risk profile of the Company and
compliance thereof-(Please refer to I&A Report/Credit Audit Report /RBI Inspection Report/LFAR etc.and indicate date
of the report)

S Audit report Date of report Major irregularities Mitigation

l
Inspection
& Audit

4. Statutory Nil Nil Nil

Audit
5. Nil Nil Nil
Circle Audit

Dy.Manager (Credit) Chief Manager.

STATE BANK OF INDIA

DAWRPUI BRANCH:

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 ANNEXURE ‘G’

DETAILS ABOUT ASSOCIATE CONCERNS

(Rs. In lac)
Particulars
1) Company details:
a) Name
M/s.
b) Constitution
c) Name of Partners/
Directors
d) Activity
e) Established on

Financial parameters (Rs. in lac)

As on 31.03. 2008 2009
(past two years)
Net Sales
PBT
PBT/NS %
PUC
TNW
TOL/TNW
CR

Bankers
Credit Facilities:
Fund-Based
Inland Bill discounting
Total
If they are banking with us, date of last sanction.
4) Credit Rating
5) IRAC
6) Conduct of account

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 DECLARATION OF ASSETS & LIABILITIES

1. Name of Applicant : .V.LALLIANA

Address (with Phone No,if any) : New Market, Aizawl
Ph – 2324923 (S),Ph – 2321914 (R)

2. Name of Business/Occupation: Authorised dealer in sales of hardware goods & paints

Activity, etc.

3. Age & Qualification : ….. years, ………

4. Name of father : ………..

5. Name of Firm (If firm) : M/S V.LALLIANA

Address (with Phone No.if any) : New Market, Aizawl
Date of establishment : 1964.

6. CURRENT ASSETS
A) Name of Bank & Branch. Account No. Balance (Rs.)
SBI, Dawrpui Branch 10276826539 (STDR) Rs. 7,12,088

b) Stock value (for business) : Rs. 40,00,000

c) G.P.Fund balance : Nil
d) Others/Householdgoods : Nil

7. FIXED ASSETS :
a) Type of vehicles : Registration No. Yr.of Purchase. Present Value
Maruti Gypsy MZ-01/B-7266 ………… Rs.2,00,000

b) L.S.No. Location Type of building. Approx. Value

(Assam Type/RCC)
AZL. 76 of 1969 New Market Rs.47.78 lacs.

c) Insurance Policy No. : Nil

Sum Assured. : ………………
Premium :

8. Liability, (if any) : ………………….

9. Any others :

Dt.22nd November, 2010 (V.LALLIANA)

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 DECLARATION OF ASSETS & LIABILITIES

1. Name of Applicant : .VANTHANGPUIA

Address (with Phone No,if any) : Dawrpui, Aizawl
Ph – 2325841

2. Name of Business/Occupation: Prop: of M/S Life Drug Centre, Upper Bazar, Aizawl
Activity, etc.

3. Age & Qualification : 47 years, ………………

4. Name of father : ………..

5. Name of Firm (If firm) : M/S Life Drug Centre, Upper Bazar, Aizawl
Address (with Phone No.if any) : Phone - 2325841
Date of establishment :

6. CURRENT ASSETS
A) Name of Bank & Branch. Account No. Balance (Rs.)

b) Stock value (for business) :

c) G.P.Fund balance :
d) Others/Householdgoods :

7. FIXED ASSETS :
a) Type of vehicles : Registration No. Yr.of Purchase. Present Value

b) L.S.No. Location Type of building. Approx. Value

(Assam Type/RCC)
NIL

c) Insurance Policy No. : Nil

Sum Assured. : ………………
Premium :

8. Liability, (if any) : Nil.

9. Any others :

Dt.22nd November, 2010

(VANTHANGPUIA)

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 INDEX NO................
DATE : ......................
OPINION REPORT
PART - I
INFORMATION ON THE FIRM/BORROWERS

1 Name of the Borrower/Unit M/S V.LALLIANA & SONS,

and address New Market, Aizawl
Ph – 2324923 (S),Ph – 2321914 (R)

2 Constitution Proprietorship
Mr. V.Lalliana,
3 Name of Proprietor New Market, Aizawl
& Address Ph – 2324923 (S),Ph – 2321914 (R)

4 Date of Establishment, etc. 1964

5 Banking with the branch since 1975

6 Name of other Bank, if any, Nil

where they have account

7 Nature of business/activity Dealer in sales of Hardware Goods &

Paints
In case of Limited Company
8 (a) Authorised Capital Not applicable
(b) Paid-up Capital
(Rs.in lacs)
9 Performance (Annual) As on 31.03.2010
a) Sales /Bills received 313.21
b) Purchases ………… 280.11
c) Gross Profit ………… 24.71
d) Depreciations ………… 0.29
e) Taxation ………… -
f) Net Profit ………… 12.40

10 Information on outside
borrowings/liabilities for wages, Nil
taxes and other expenses.

11 Information on Identical/ Does not arise

Associate concerns

12 Technical ability with particular Technical know-how is not required.

reference to the background of Practical experience for 5 years in the
the borrower/proprietor, etc. line of business
13 Marketability of the product It is located in the main market area of
with regards to demand & Aizawl City. There will be no
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 acceptability of its quality competition in the area as the unit is
an authorized dealer for hardware
products in the whole state of Mizoram.

Contd….2….

.
-2 –

14 Details of immovable Equitable of landed property owned by

Properties Mr. V.Lalliana at New Market, Aizawl
Location of Land & building, under LSC No.AZL.76 of 1969, market
Survey No., Encumbrance, if value of Rs.47.78 lacs
any, Realisable value, etc.
15 Movable Properties
a) Bank Balances : Name of SBI, Dawrpui Branch
Bank
& Branch 10276826539 (STDR)
Account No.
Total Balance – Rs.7,21,000
Bank
Balance

b) Stock/ receivables
c) Life Insurance, if any.
Policy No…………
Sum assured………
Premium already paid
d) Vehicles : Type of Maruti Gypsy
vehicle ...
MZ-01/B-7266
Motor
No./Regn. …………

Year of Rs.2,00,000
Purchased

Approx.value

e) Others/
f) Householdgoods
Total value of Movable
Properties (Col.a,b,c,d,e,f) Rs.9.21 lacs

16 LIABILITIES, if any

1 Estimated Net Means

7 (Co.14 +15-16)
18 Credit worthiness of the
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 borrower /proprietor, etc. Our discreet enquiry reveal that he is
(Reputation for business held in good credit in the market
commitments, i.e. whether they
are meeting their debt
obligations promptly or not)
19 Experience as regards dealing
with the Bank(brief write up on The promoter is our regular and good
areas like re gularity or customer
irregularity in the A/C failure to
meet obligations.

INDEX NO. : ...........

DATE : ................
OPINION REPORT
PART - III
INFORMATION ON GUARANTOR

1 Name of Guarantor & Address VANTHANGPUIA

Dawrpui, Aizawl
Ph – 2325841

2 Age of Guarantor 47 years

3 Telehphones : Shop Ph – 2325841
Residence

4 Academic qualification ………………

5 Functional reponsibilities in
the Unit. Nil.

6 Securities offered by the Personal Guarantee

guarantor for borrowing from
the Bank.
7 Honesty/Integrity/Credit
worthiness of the guarantor He is an honest person
8 Credit reputation of the He is reliable person to meet his
guarantor (reputation to meet business commitment
business
commitment.)

9 Details of immovable Nil.

Properties
Location of Land & building,
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 Survey No., Encumbrance, if
any, Realisable value, etc.
10 Movable Properties
a) Bank Balances : Name of
Bank
& Branch
Account No.

Bank
Balance
b) Stock-in-trade
c) G.P.F. balance, if any
d) Life Insurance, if any.
Policy No…………
Premium already
paid
e) Vehicles : Type of vehicle ..
Motor
No./Regn.
Year of
Purchased
Approx.value

Contd……2……

– 2-

f) Others/Household goods

Total value of Movable

Properties (Col.a,b,c,d,e,f)

11 LIABILITIES, if any Nil.

12 Estimated Net Means

(Col.9+110-11)
Mr.Vanthangpuia is involves in social
13 General Remarks and church services. He is held in good
credit in the market.

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