Apco Finalizing01 01 Proposal Apco June2014

8/11/2019 Apco Finalizing01 01 Proposal Apco June2014

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SME LOAN FACTORY, LUCKNOW

NOTE TO THE GENERAL MANAGERLARGE CORPORATE BANKING DEPARTMENT

OBSERVATIONS / REMARKSNECC Recommendationminutes

ordersABC

cibilinspection irr

Name of the Account : Aco Inf!atech L"m"te#B!anch / Re$"on / %one : Hazratganj Branch / Lucknow / E!

&'( I))ue fo! Con)"#e!at"on:a' "o consider re#iew$cum$enhancement o% credit %acilities as %ollows %or a period o% $&'$

months on terms and conditions mentioned in Anne(ure ) / Appraisal Note*+Rs, in crores-

L"m"t E*")t"n$ P!oo)e# Inc'+,-Dec' +.-

Out)tan#"n$(&'('0(&1

O2e!#ue)

Cash Credit ., 0, 1', 23,4 ,

Bill )iscounting under !rime Bank LC 5 2, 2, , &2., ,

3un#.4a)e# 51('(( 56('(( ,0('(( &5'( ('((Bank 6uarantee +!er%ormance /

7inancial-

&&, '., 1&2, 2',4 ,

8ub$limit* Letter o% Credit +9nland /

9mport- +Raw :aterial / Capital 6oods-

+,- ;+


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with Lead Bank

Commission onB6

!er%ormance B6*,' p,m,

7inancial B6* ,'


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e' Conf"!mat"on: "o con%irm the action o% the Assistant 6eneral :anager@ Hazratganj Branch@ %orha#ing allowed the %acilities o% the Compan= be=ond due date o% re#iew i,e, &2,0,'&. till the present

date o% re#iew,

&'0a

Refe!ence of e*")t"n$ )anct"on )ate* &.,0,'&28anction no,* CACB/:C/&


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Collaboration / oint Fenture@ i% an= "he Compan= +Apco- also has a


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7i(ed 8ecurit= Co#erage* +Rs, in crores-No' Pa!t"cu7a!) ; AmountA' P!"ma!9& 7irst charge on Current Assets o% the Compan= %or all its project on pari passu

basis with all lenders +#alue as per audited balance sheet dated 2&,2,'&2 is

Rs,


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"he Compan= representati#e has in%ormed that the legal / NEC report o% the properties was

last done at the time o% original sanction in '4 and that the Lead Bank has not insistedupon the same since then, Ie ha#e reDuested the Lead Bank to arrange %or the same and to

place the NEC report in the ensuing Consortium :eeting,

Name of Gua!anto!):+Rs, in crores-

No' Name PAN Net


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Apart %rom the abo#e@ the Compan= is also a#ailing >Bill )iscounting under !rime Bank LC?

%acilit= o% Rs, 2, crores %rom our Bank +outstanding o% Rs, &


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0'(6- Sha!eho7#"n$ Patte!n of the Coman9 a) on 5&'(5'0(&1:

As on 2&,2,'&.@ the paid up capital o% the Compan= is 2',0< crores, "he share holding

pattern is as %ollows*

No' Name of Sha!eho7#e! Sha!e ho7#"n$Amount +R)' c!o!e)- Pe!centa$e

& Anil umar 8ingh M,& '.,M&

' 8uman 8ingh 2,


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same is enclosed,

1'&( MaFo! In)ect"on I!!e$u7a!"t"e):

Concurrent Audit Nil

RB9 9nspection Nil

8tatutor= Audit Nil

8tock Audit 8tock audit has been arranged b= the Lead Bank,

"he obser#ations are anne(ed in Anne(ure ,

!8R bser#ations pending compliance Nil

Credit Audit*

No' O4)e!2at"on) B!anch Comment) Ou! Comment)

& Latest ROC search report beobtained ensure our charges are

registered as per present sanction

and report !ept on record"

RC search obtained andsatis%ied with,

Noted, "he samema= be accepted,

', Branch is not e(changing

in%ormation o% the account/compan= among other member

bank?s under multiple /

consortium banking arrangement

on regular inter#al as per Bank?sguidelines,

8ince done Noted, "he same

ma= be accepted,

2, 8"C/98/:R/AB) statementbe obtained at regular inter#alsand satis%ied upon )! %i(ed

accordingl=,

8tock statement isobtained on monthl= basisand )! is %i(ed

accordingl=,


., All securities o% insurable naturecharged to the bank be

adeDuatel= insured and li#e

insurance policies with bank

clause be held on record,

Lead Bank in%ormed thatcollaterals are insured and

cop= o% these are

a#ailable with them,

Noted, Branch toensure,


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was %ound thatconstruction work

is going on in %ull

swing,

0, Credit auditor has in%ormed that

stock audit is wai#ed asmentioned in ::R, Branch tocon%irm that the same wai#ed b=

competent authorit=,

8tock audit has been

arranged b= the LeadBank,

Noted,

4, Credit audit o% eligible associate/senjo=ing credit %acilities with our

bank be got carried out based on

latest sanction in consultation

with Qonal o%%ice,

No associate %irm isa#ailing credit %acilities

%rom our bank,


M, Credit auditor pointed out that

processing charges %or re#iew

with increase dated &2$0$'&2and adhoc %acilit= o% Rs .,

lac granted in :arch are =et to be

reco#ered, Branch is ad#ised to

reco#er the same and date amount o% reco#er= be ad#ised to

this o%%ice,

Branch has reco#ered the

processing %ee during

credit audit,

Noted, Branch to

ensure,

3, Consortium meeting be held

regularl= as per guidelines last

carried out on &4,3,'&'

Ie ha#e asked

consortium leader BC

and the Compan= %or

conducting regular

consortium meetings,

Noted, Branch to

ensure that

Consortium

:eetings are held

at regularinter#als, "he last

Consortium

:eeting was heldon '


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&2, Consortium )ocuments aree(ecuted on


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8'( Com7"ance:


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"he Compan= has two associate concerns, )etails are as %ollows*

a, :/s Ashir#ad 8er#ice 8tation* 9t is a !artnership 7irm o% :r, Anil umar 8ingh and :r

)ig Fija= 8ingh, "he 7irm runs a petrol %illing station o% 9CL, 9ts ke= %inancial parameters

%or 2&,2,'&2 are as %ollows*+Rs, crores-

Pa"# u Ca"ta7 Tan$"47e Net


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+Rs, crores-

Pa"# u Ca"ta7 Tan$"47e Net


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'( u)t"f"cat"on:

A' Re2"e.cum.enhancement of Ca)h C!e#"t 7"m"t a) fo77o):

Pa!t"cu7a!) E*")t"n$ P!oo)e# Inc!ea)e

Consortium Rs, &


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Cash %low %or the e(isting projects o% 7'&.$&


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"he Assistant 6eneral :anager@ Hazratganj Branch@ has recommended %or %a#ourable consideration o%

the reDuest o% the Compan= %or re#iew$cum$enhancement o% its Cash Credit limit %rom Rs ., croresto Rs, 0, crores, Ie endorse,

B' Re2"e.cum.enhancement of Ban= Gua!antee +3"nanc"a7 / Pe!fo!mance- 7"m"t "th LC)u4.7"m"t a) fo77o):

Pa!t"cu7a!) E*")t"n$ P!oo)e# Inc!ea)eConsortium B6* Rs,


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&Additional B6s reDuired %or Business 6rowth Continuit= in 7'&.$&)ra%t nertaking? under Bank 6uarantee section o%

Credit :anagement Chapter in Book o% 9nstructions '&'-2, !ledge o% 7)Rs as kept as margin., Letter o% depositing 7)Rs cum undertaking +L)C$&0A-


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9n case the guarantee period is e(tended@ the commission %or the e(tendedperiod shall also be reco#ered, Commission shall be reco#ered %or the claim

period@ i% an=,

Benef"c"a!9+"e)- Farious 6o#t, )epartments/ ndertakings@ !8s@ Reputed !#t, Corporates@

Local Authorities etc,Pe!"o# &' monthsP!o2")o.

i. 6uarantee issued shall be speci%ic uneDui#ocal as regards* a-Amount b-!eriod

c-Bene%iciar= and d-!urpose,

ii. "he %ollowing t=pe o% guarantees shall not be issued*

6uarantees ha#ing unlimited #alidit=/ maturit= o% more than & =ears E(cept in %a#our o%

courts backed b= & margin,

6uarantees in respect o% deposits/ loans recei#ed %rom an= person/ bank/NB7C@ in lieu o%

their risk appraisal,iii. "he Bank 6uarantee issued b= the Branch shall not contain an= onerous clause or liabilit=

%or pa=ment o% interest, "he liabilit= o% the bank should be clearl= determined in terms o%amount time, 9% deemed necessar=@ the guarantee %ormat ma= be got #etted %rom the

legal %%icer,iv. No Bid$ bond guarantee is to be issued under regular B6 limit@ since Bank is reDuired to

undertake additional obligations b= wa= o% "erm loan Iorking Capital limits to %ul%ill

commitment o% the contract to be awarded under B9) B6,v. 9% no ad#ance %rom the customers is projected in C:A@ Ad#ance :one=/ :obilization

ad#ance B6 is to be issued onl= a%ter earmarking eDui#alent amount in cash credit limit,vi. !er%ormance B6 is to be issued %or onl= recent dated order/s and not %or old ones where

per%ormance is poor or =et to start, Be%ore issue o% large #alue per%ormance B6s@ the

branch is to ensure that the compan= has adeDuate in%rastructure in place respect o%

%actor= land and building@ machineries@ manpower@ owned %unds@ etc, to e(ecute the orderin time,

vii. 9% the B6 is issued %or procurement o% raw materials@ the amount o% such B6 issued in theaccount is to be subtracted while calculating drawing power,

viii. 9n case o% in#oked B6@ no %urther guarantee is to be issued without permission %rom

Regional %%ice,ix. "he guidelines o% %% Balance 8heet !olic=@ '3 be complied with,

x. "he Bank 6uarantee should be issued in Bank?s prescribed %ormat,

xi. 6uarantees will be issued b= the bank on behal% o% the borrower without in an= manner

impl=ing a commitment to allow additional credit %acilities to the compan= %or pa=ment o%claims against guarantees,

xii. "he Bank shall be entitled at an= time during the currenc= o% the guarantee@ to demand

and reco#er margin to the e(tent o% & o% the guarantees and in case o% de%ault inpa=ment b= the borrower o% the margin so demanded@ the Bank reser#es its right to

reco#er such margin b= debit to an= o% the borrower?s accounts and such debit shall bereco#erable %rom the borrowers as their dues

xiii. Bank 6uarantee be issued in the Bank?s appro#ed %ormat,

xiv. 6uarantee %or disputed amount will be issued G & cash margin,

xv. "o issue guarantees %or oint #entures also within o#erall limit,

P!o2")o a) e! te!m) an# con#"t"on) of !ecommen#at"on note of Lea# Ban=:&' Man#ato!9 c7au)e "n BG

"he Bank 6uarantee %orm shall incorporate the %ollowing clause*JNotwithstanding an=thing contained herein*

+i- ur liabilit= under this Bank 6uarantee shall not e(ceed Rs,XXXXXX onl=O

A/c M/s Apco Infratech Ltd., Hazratganj Branch, Lucknow

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+ii- "his Bank 6uarantee shall be #alid up to XXXXXXXO and

+iii-Ie are liable to pa= the guaranteed amount or an= part thereo% under this Bank6uarantee onl= and onl= i% =ou ser#e upon us a written claim or demand on or

be%oreXXXXXXXX +date o% e(pir= o% 6uarantee-,K0' Sec"f"c uneu"2oca7 BG

6uarantees issued shall be speci%ic and uneDui#ocal as regardsi- AmountO ii- !eriod iii- Bene%iciar= i#- !urpose,

5' T9e of Gua!antee) not to 4e "))ue#"he %ollowing t=pe o% guarantees shall not be issued*$

a- 6uarantees ha#ing unlimited #alidit=/ maturit= o% more than & =ears e(cept in %a#ouro% courts backed b= & margin,

b- 6uarantees in respect o% deposits/ loans recei#ed b= an= person/ Non$ Banking 7inanceCompanies %rom an= source,

1' One!ou) c7au)e "n BG"he Bank 6uarantee issued b= the Branch shall not contain an= onerous clause or liabilit=

%or pa=ment o% interest, As %ar as possible@ it should be issued on the S:odel 7ormS as

appro#ed b= the Bank, 9% deemed necessar=@ the guarantee %ormat ma= be got #etted %romthe Legal Retainer at Regional %%ice,

8' E*o!t Gua!antee)9n case o% E(port guarantees@ the same shall be co#ered under EC6C?s ad#ance pa=ment

guarantee/e(port per%ormance guarantee or as per rules o% EC6C and the relati#e EC6C

premium to be borne b= the borrower, "he borrower shall compl= with the %ormalities %orobtaining due co#erage and all relati#e charges/%ees o% EC6C to be borne b= the borrower,

6' Cha!$e o2e! cu!!ent a))et) a) a7"ca47e+Ihere stipulated as per terms o% sanction and agreed to b= the borrower or as agreed b=

the consortium-$ "he borrower will be reDuired to e(ecute h=pothecation agreemente(tending charge o#er the compan=?s current assets to the e(tent o% guarantee limit as a

co#er %or all guarantees issued and/or to be issued b= the bank on behal% o% the borrower,' Reco2e!9 of c7a"m f!om 4enef"c"a!9

"he borrower shall gi#e an irre#ocable letter o% authorit= to the bank %or debiting theiraccount straightawa= with the amount o% claims recei#ed %rom the bene%iciar= plus

incidental charges,?' No comm"tment to a77o an9 a##"t"ona7 c!e#"t 7"m"t

6uarantees will be issued b= the bank on behal% o% the borrower without in an= mannerimpl=ing a commitment to allow additional credit %acilities to the borrower %or pa=ment o%

claims against guarantees,' Deman# an# !eco2e! ma!$"n

"he Bank shall be entitled at an= time during the currenc= o% the guarantee@ to demandand reco#er margin to the e(tent o% & o% the guarantees and in case o% de%ault in

pa=ment b= the borrower o% the margin so demanded@ the Bank reser#es its right toreco#er such margin b= debiting an= o% the borrower?s accounts and such debit shall be

reco#erable %rom the borrowers as their dues,&('3o!e"$n BG Com7"ance of RBI $u"#e7"ne)

9n case o% 7oreign Bank 6uarantee@ all E(change control guidelines o% RB9 relating toissuance o% such guarantees shall be complied with,

&&'Ta=eo2e! of BG out)tan#"n$ 49 othe! Ban=9n case an= guarantee is outstanding and the account is taken o#er b= some other bank@

the securities shall be released onl= a%ter obtaining & margin or 6uarantee o% thatbank containing a speci%ic clause that their liabilit= under the said guarantee shall e(ist till

the original 6uarantee Bond is recei#ed or a release letter %rom the bene%iciar= is recei#edb= our Bank,


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III' 3ac"7"t9 Letter o% Credit +9nland / 9mport- +Raw :aterial / Capital 6oods- sance20 da=s- +8ub$limit o% B6 %acilit=-

L"m"t 8ub$limit o% Rs,


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0' Genu"ne T!a#e B"77)Ad#ance shall be allowed against genuine trade bills representing goods in which

the part= deals regularl= and the bills drawn on associate/ allied concerns shall not

be purchased/ discounted,

5' C!e#"t Reo!t of D!aee)9n case o% usance bills@ the specimen signatures o% the drawees dul= attested b=

their bankers shall be obtained and kept on record along with the credit report o%

the drawees

1' Reco2e!9 of out of Poc=et E*en)e)ut o% pocket e(penses incurred b= the Bank/ interest in case o% returning o% bills

shall be reco#ered as per the Bank?s schedule o% ser#ice charges as amended %rom

time to time,

8' Su79 to Go2t' Dea!tment / PS)!ower o% Attorne= shall be got registered with the respecti#e 6o#ernment

)epartment/ ndertaking/ Corporation to ensure direct pa=ment in case o% suppl=

to such bu=ers,6' Va7uat"on of Stoc=)

"he #aluation o% goods as mentioned in the accompan=ing in#oice shall also be

#eri%ied to see that there is no o#er$#aluation o% stocks,

' Su4.7"m"t fo! #!aee8ub limit %or each drawee shall be %i(ed in consultation with Regional %%ice,

?' D")4u!)ement fo! B"77) un#e! LC"he proceeds o% the bills shall be released to the borrower onl= a%ter getting con%irmation

%rom the LC issuing Bank that the LC has been issued b= them and that the= will makepa=ment on due date,

ther !ro#iso*

7acilit= is to be allowed with recourse to the drawer,

Bill )iscounting will be allowed onl= a%ter*

"he bills are accepted b= the L/C issuing bank %or pa=ment on the due date,

Branch satis%ies itsel% through independent and discrete inDuir= about the

genuineness o%

+A-Letter o% Credit+B-Bills being )iscounted

+C-Ad#ice o% acceptance

Branch obtains an irre#ocable con%irmation that

Bills as tendered ha#e been accepted under L/ C

9ts due date has been con%irmed,

L/C issuing bank shall without demand remit the proceeds o% the bills to ourbank on the due date,

Branch should #eri%= and satis%= itsel% that@ the bills has arisen out o% and is backed

b= genuine trade transactions,

Branch should e(ercise utmost care and caution in dealing with L/Cs and

con%irmation and acceptance letter,

Branch to ensure that on due date the proceeds are recei#ed /collected %rom the

L/C issuing bank without dela=,


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Branch should not discount the bills bearing the without recourse clause,

Accommodation bills will not be discounted b= the branch, "he underl=ing trade

transactions should clearl= identi%ied and proper records thereo% maintained in the

branch conducting the bills business,

"he bills tendered %or discounting are without discrepancies and all the laid down

norms /sa%eguards %or such transactions are %ull= complied with,

9nstructions con#e=ed #ide CBR Circular N, 32/&42 dated M,&,'& and

3./


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' EDuitable :ortgage o% Commercial propert= situated at B$3@ Fibhuti hand@ 6omti Nagar@

Lucknow standing in the name o% :/s, Apco 9n%ratech Ltd,@ admeasuring &


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O()*R (*R+S AND CONDI(IONS:

&'Pena7 Inte!e)t:

9n terms o% the current instruction %rom RB9@ the bank ma= charge penal interest G' p,a,abo#e the rate applicable to cash credit account@ subjects to the ma(imum stipulated b= RB9

%rom time to time on the entire outstanding in the account+s- under the %ollowing

circumstances and & p,a, %or non %ul%illment o% an= borrowing co#enants,

a, 9rregularities in Cash Credit account+s- G'

0' Su4m"))"on of )tatement):

8tock statement and Book debt statement,

"he compan= has to submit stock and book debt statement on monthl= basis and

between the %irst and tenth da= o% succeeding month %or calculation o% )! and also book

debt statement on Duarterl= basis dul= certi%ied b= chartered accountants,

&' Va7uat"on of Stoc=) Sto!e) etc:

Ra Mate!"a7): $ At cost@ current market rates@ 6o#ernment control rates or in#oicerates@ whiche#er be lowest,

Stoc= "n P!o$!e)): .Raw materials at cost plus %actor= o#erheads,3"n")he# Goo#): .At cost@ market rate@ 6o#ernment controlled rate@ compan=?s sellingprice@ whiche#er is the lowest,

0' In)ect"on:.

uarterl= or o%ten at the Bank?s discretion or as decided b= the consortium, "he jointinspection o% the unit will be carried out once in si( months, "he inspection charges and

other incidental e(penses incurred b= the bank will be borne b= the compan=,

6' In)u!ance :.

H=pothecated securit= should be kept %ull= insured against %ire and such other risks asma= be reDuired b= the Bank and the original policies should be submitted to the lead

Bank and copies to member Banks in the consortium %or their record, 9nsurance policiesshould contain the Bank mortgage clause, +insurance on construction material and work in

progress is wai#ed-, Branch to obtain prescribed undertaking %rom the compan= %or wai#er

o% insurance,

' Re$")t!at"on of Cha!$e:.


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a- "he Bank charge on basis o% securit= documents e(ecuted should be %iled with R,,C

within the stipulated time o% $2$ da=s and registration thereo% will be pursued acti#el=,b- "he Borrower shall pa= on demand to the participating Bank/ banks the cost between

8olicitors/ ad#ocate/ Compan= 8ecretaries and client@ incurred b= them or an= o% them

in connection with the creation/ registration o% this securit= and certi%icate o% charge

thereo% with Registrar o% Companies@ complication o% 8earch/ 8tatus Reports and/orother matter incidentall= arising out o% or in connection with this transaction o% the

borrower with the Bank,

i, "he Compan= shall %urnish to the Bank e#er= =ear $2$ copies o% audited/ printed

balance sheet and pro%it and loss accounts statements o% the compan= immediatel= onthese being published/signed b= the auditors@ along with the usual renewal particulars,

ii, "he Compan= shall %orward hal% =earl= balance sheet and pro%it and loss account

statements within two months %rom the end o% the hal%$=ear and annual audited

accounts within $2$ months,iii, "he compan= shall maintain a minimum net working capital o% '


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&3, "he terms and conditions are subject to change %rom time to time,

', "he %irm shall undertake that during the currenc= o% the Bank?s credit %acilities it wouldnot@ without the permission o% the bank in writings*

a, E%%ect an= change in their capital structure@ )epreciation method and accounting

procedure etc,

b, 7ormulate an= scheme o% merger@ acDuisition/ amalgamation/ reconstitution,c, ndertake guarantee obligations on behal% o% an= other compan=@ %irm or

person,

d, ndertaking an= new project schemes without obtaining the bank?s prior consent

unless the e(penditure on such e(pansion etc@ or %or long term %unds recei#ed %or%inanciang such new projects or e(pansion,

e, 9n#est b= wa= o% share capital in or lend or ad#ance %unds to or place deposited

with an= other concern, Normal trade credit@ securit= deposits in the usual courses o%

business or ad#ance to emplo=ees etc, are howe#er@ not co#ered b= this co#enant,%, Enter into borrowing arrangements either secured or unsecured with an= other

bank@ 7inancial institution@ compan= or other wise sa#e and e(cept the working capital

%acilities granted/to be granted b= the other consortium members banks@ underconsortium arrangements with the bank and the term loans proposed to be obtained%rom %inancial institution/Bank %or completion o% the replacement$cum$modernization

program,

'&')irectors o% the borrowing compan= will submit a declaration that the= are not related toan= director o% our bank/an= other banking compan= or to an= sta%% o% our bank,

'', "he compan= should ensure and satis%= that all reDuired permission / appro#als /

licenses/ clearances under #arious laws/ rules ha#e been obtained b= them %rom the

competent authorities and the stipulated terms /pro#isions/ conditions thereo% are

complied with/obser#ed in totalit=, A suitable undertaking to keep such permissionsalwa=s #alid to be %urnished b= the compan=,

'2, Branch will not consider book$debts older than 3 da=s while calculating drawing power

in the account,

'., "he compan= to pro#ide the means report %or all directors / guarantors e#er= =ear in7orm No, &2< and details ha#e been gi#en in 7$&2< o% all directors / guarantors must be

supported b= #alid proo%, Branch to ensure,

'


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2&, "he compan= shall not di#ert an= part o% working capital/term loan %or an= other

purpose including business o% associate concerns,2', "he compan= to submit monthl= per%ormance o% sales along with the 8tock and book$

debt statements and audited Book$ )ebt statement on Duarterl= basis,

22, Compan= shall not go %or an= e(pansion/di#ersi%ication without prior permission o% the

Bank,2., Compan= to raise / in%use %resh %und in the business in current as well as in ne(t

%inancial =ear to maintain acceptable proportion between eDuit= and borrowings as

projected,

2


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Anne*u!e I

Reco!# of Bu)"ne)) Tu!no2e!

From 01-04-2013 to 31-03-2014

Cash Credit

Particular Amount(Rs. in crores)

Cash Credit limit 40.00

Max. deit !alance "#.75

Minimum !alance Credit alance

Avera$e !alance %5.54

&nterest earned %.#4

Credit summations (01'04'%01" to "1'0"'%014) ".%

ra*in$ po*er as on "1.05.%014 40.00

Bill Discount:

Particular Amount(Rs. in crores)limit "00.00

Max. deit !alance 155.67

Avera$e !alance 6"."7

&nterest earned 6.#4

Credit summations (01'04'%01" to "1'0"'%014) 17."4

d) Term Loans & Deferred Payment Guarantees

(Rupees in Crores)

Nature of

Limit

Limit

Sanctioned

Interest

earned

Present O/S

()

Overdues Rescedu!in"

done or not#

Remar$s

Inst!. InterestNi! Ni! Ni! No

e) %uarantee (oter tan Deferred Pa&ment)

Issued from ''*+', to ,',+'* Purpose Outstandin"

No. of %uarantees. -ota!

Liai!it&

Comm.

earned

No. of %uarantees

Secured nsecured Secured nsecured

Financia!

5 0.11 Performance +2.51

Oters

Period ''*+', to ,',+'* (Rupees in crores)

Interest income +.3*

Oter car"es '.,1

-ota! income ,.,+


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4vera"e uti!iation +5.5*

&ie!d ,.'' 6

4mt. in crores

Faci!it& Limit Outstandin" as on0.'2.+'*

Cas Credit *'.'' ,5.22

7i!! Discount ,''.'' 51.''

7an$ %uarantee '.'' +2.51

Cas credit 8 7an$ %uarantee faci!ities are under consortium 7an$in" arran"ement and 7i!! discount

!imit is outside consortium.

7i!! discounted ear!ier as een ad9usted on due date


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DUE DILIGENCE REPRT !as "er Lead Ban# $anction Note)

$N P%RTICUL%R$ RE%R'$

. Name of te 7orro:er / 4pp!icant4PCO Infratec Ltd.

+. ;


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directors does not feature inECGC S!L as on ++.+

'. Oservations made & e

Documents

Apco Finalizing01 01 Proposal Apco June2014