Charkop Branch SIP Report

7/25/2019 Charkop Branch SIP Report

1/47

LOANS AND ADVANCES MSME SECTOR AT TJSB BANK

Submitted By

Mr. Nikesh Rewashankar Rawal

UNDER THE GUIDANE !"

#r$%. Ra&indra Raswalkar '"a(ulty Ment$r)

Mr. Ash$k Sat*ute 'Bran(h Mana+er , Industry Ment$r)

#R!-ET RE#!RT SUBMITTED IN #ARTIA !M#ETI!N !" MMS

T!

Dur+ade&i Sara% Institute $% Mana+ement Studies

AT

The T-SB Sahakari Bank td./ hark$* Bran(h


2/47

Dur+ade&i Sara% Institute $% Mana+ement Studies

Malad '0est)/ Mumbai

STUDENTS1S DEARTI!N

This is t$ de(lare that the study *resented by me t$ Dur+ade&i Sara% Institute $%

Mana+ement Studies/ in *artial ($m*leti$n $% the MMS under the title 2!ANS

AND AD3ANES , MSME SET!R4 had been d$ne under the +uidan(e $% #r$%.

Ra&indra Raswalkar/ Mr. Ash$k Sat*ute durin+ May , -uly 5678.

#la(e9 Si+nature $% the Students

Date9 Nikesh Rewashankar Rawal

MMS 567:76;


3/47

ERTI"IATI!N "R!M THE "AUT= GUIDE

This is t$ (erti%y that Mr. Nikesh Rewashankar Rawal has ($m*leted the Summer

Internshi* entitled 2!ANS AND AD3ANES , MSME SET!R4 with the 2TheT-SB Sahakari Bank td.4 durin+ May , -uly 5678 under my +uidan(e.

T$ the best $% my kn$wled+e the Re*$rt submitted by him is $ri+inal> n$ *art $%

the re*$rt has been submitted %$r award $% any $ther de+ree %ell$wshi* $r $ther

similar titles $r *ri?es.

Si+nature $% the "a(ulty Guide


4/47

A(kn$wled+ment

I wish t$ e@*ress my dee* sense $% +ratitude t$ 2The T-SB Sahakari Bank td.4

and in *arti(ular 2Mr. Ash$k Sat*ute/ Bran(h Mana+er4 %$r the timely +uidan(e/ins*irati$n and en($ura+ement in the ($ndu(t %$r my Summer Internshi* #r$e(t

w$rk.

I take this $**$rtunity t$ thanks #r$%. Ra&indra Raswalkar %$r her able +uidan(e

and &aluable su++esti$ns/ whi(h hel*ed me in ($m*letin+ the *r$e(t w$rk/ in

time.

I take immense *leasure in thankin+ Dr. . Babu/ Dire(t$r/ Dur+ade&i Sara%

Institute $% Mana+ement Studies/ %$r ha&in+ *ermitted me t$ (arry $ut this *r$e(t.

Nikesh Rewashankar Rawal


5/47


6/47

EXECUTIVE SUMMARY


7/47

WHY A PARTICULAR IS SELECTED & WHETHER IT WAS COVERED

SO FAR IN THE COLLEGE SYLLABNUS.

$ans and ad&an(es in MSME se(t$r ha&e been sele(ted %$r *r$e(t re*$rt.A%ter dis(ussin+ ab$ut &ari$us t$*i( with Industry Ment$r and with "a(ulty Ment$r this t$*i( has

been sele(ted be(ause s($*e and im*$rtan(e $% this is m$re and its +r$win+ se(t$r in India.

Gettin+ m$re kn$wled+e re+ardin+ $% MSME and bank b$th at the same time.

=es/ this t$*i( is ($&ered under ($lle+e syllabus under +uidan(e $% #r$%. Raswalkar. Many in*uts

is +i&en by *r$%ess$r re+ardin+ bankin+ stru(ture and its im*$rtant t$ an e($n$my whi(h (an be

used in *r$e(t re*$rt.

!ther in%$rmati$n has been *r$&ided by "a(ulty Ment$r re+ardin+ MSME se(t$r and re*$rt and

s*ee(hes.

OBJECTIVE & SCOPE OF THE SUBJECT & ITS IMPORATANCE TO

THE ECONOMY.


8/47

Objective of SME Loan Policy

The SME l$an *$li(y has been %ramed kee*in+ in mind the %$ll$win+ $be(ti&es9

T$ im*r$&e (redit %l$w t$ SME se(t$r.

T$ %$rmulate n$rms t$ SME se(t$r t$ ensure that the adeuate and timely (redit is

a&ailable t$ the se(t$r.

The SME $an *$li(y als$ *r$&ides +uidelines t$ the bran(hes $%%erin+ (redit t$ the SME

se(t$r and t$ %$rmulate n$rms $% lendin+ t$ the SME se(t$r.

T$ de&ise an $r+ani?ati$nal stru(ture t$ handle SME (redit *$rt%$li$ in a %$(used manner.

Scope of SME Loan policy

The *$li(y ($&ers the %$ll$win+9

$m*$siti$n $% the SME se(t$r

Guidelines $n lendin+ t$ the SME se(t$r

SME l$an %a(t$ry m$del

#$li(y $n (redit ratin+ and *ri(in+

Re*$rtin+ and m$nit$rin+ system


9/47

Im*$rtan(e $% MSME se(t$r in India

The de&el$*ment $% the mi(r$/ small and medium enter*rises 'SME) se(t$r is $n the *ri$rity $%

G$&ernment A+enda. As *er the ResultsC"ramew$rk D$(ument 'R"D) %$r Ministry $% Mi(r$/

Small and Medium Enter*rises '5675C567


10/47

The StateCwise distributi$n $% MSMEs sh$w that m$re than :: $% these enter*rises are in 8

States/ namely/ Uttar #radesh/ Maharashtra/ Tamil Nadu/ 0est Ben+al/ Andhra #radesh and

arnataka. "urther/ ab$ut ; $% MSMEs are $wned by w$men and m$re than JF $% the

MSMEs are *r$*riet$rshi*s $r *artnershi*s.

MSMEs in the ($untry manu%a(ture $&er 8/666 *r$du(ts. S$me $% the ma$r subse(t$rs in terms

$% manu%a(turin+ $ut*ut are %$$d *r$du(ts '7.J;)/ te@tiles and readymade +arments '7F.6:)/

basi( metal '.7)/ (hemi(al and (hemi(al *r$du(ts ';.::)/ metal *r$du(ts ';.:5)/

ma(hinery and eui*ments '8.


11/47

INDIAN BANKING STRUCTURE

Indian Bankin+ Industry

S(heduled Bank Uns(heduled Bank

S(heduled $mmer(ial Bank S(heduled $C$*erati&e Banks

#ubli( Se(t$r Bank

#ri&ate Se(t$r Bank Rural $C$*erati&e Urban $C$*erati&e

"$rei+n Bank Banks Banks

Re+i$nal Rural Bank

!ther S(hedule $mmer(ial Sh$rt Term $n+ Term Sin+le

Banks Multi State


12/47

Ab!" "#$ B%' D$"%()*

7) Name $% the Bank9 The T-SB Sahakari Bank td.

5) Address $% the Head !%%i(e9 T-SB H$use/ #l$t N$. :B/ R$ad N$. 5/ 0a+le Industrial

Estate/ Thane '0) , F6686F


13/47

TJSB%eels *r$ud t$ a(kn$wled+e the +r$wth $% lar+e number $% su((ess%ul industrialists/ traders

and *r$%essi$nals wh$ ha&e +r$wn lea*s K b$und due t$ timely assistan(e and su**$rt $% the

Bank.

TJSBhas set be%$re a 3isi$nary Gr$wth #lan %$(usin+ all business strate+ies s$lely $n (reati$n$% Stakeh$lders &alue.

T$,#)12 I("(%"(3$*4

TJSB/ a Te(hn$Csa&&y Bank has im*lemented su((ess%ully the $re Bankin+ S$luti$n 'BS).

This has hel*ed the Bank t$ mi+rate the Bran(hes %r$m bein+ the *r$(essin+ (enters t$ marketin+

(ust$mer (entri( $ut%its. It will als$ e@tend the Bank1s rea(h t$ its (ust$mers by multi*le deli&ery

(hannels su(h as ATM/ Internet/ M$bile et(. This has br$u+ht the Bank $n *ar with the leadin+

Banks. Banks has netw$rk $% 758 ATMs a(r$ss Thane/ Mumbai/ Na&i Mumbai/ Nasik/ #une/

Satara/ Auran+abad/ $lha*ur/ Na+*ur/ atur/ Guarat/ G$a K anrnataka K 5 $%%site ATMs.

TJSBis the %irst Bank in $C$*erati&e se(t$r t$ install heue De*$sit$ry Ma(hines at bran(hes

whi(h are $*erati$nal 5FL;.

TJSBhas *ut in *la(e Real Time Gr$ss Settlement System 'RTGS) transa(ti$ns. 0ith $re

Bankin+ S$luti$n in *la(e the Bank is #r$&idin+ RTGS %a(ility t$ all its (ust$mers.

TJSBhas initiated *r$(ess %$r strate+i( allian(e with $ther Banks %$r the usa+e $% their deli&ery(hannels by whi(h nearly J666 ATMs will be a&ailable t$ Bank 1s (ust$mers a(r$ss the ($untry.

TJSBis %irst Bank In the ($untry t$ intr$du(e Aut$mated heue Issuan(e Ma(hine whi(henable ust$mers t$ take #ers$nalised heue B$$k 5F L ;.

TJSBhas enabled Transa(ti$nal %eature in Internet Bankin+.

B!*($** P+,$** R$5$1($$+(14

W("# "#$ *!,,$**6!) (78)$7$"%"( 6 C+$ B%'(1 S)!"( TJSB #%* (("(%"$ B!*($**

P+,$**


14/47

ReCen+ineerin+ by establishin+9

S*e(iali?ed redit ell

S*e(iali?ed Retail Bankin+ ell

entrali?ed M$nit$rin+ ell

entrali?ed Ba(k $%%i(e #r$(essin+ ell

ECl$bby

B%,%**!+%,$4

TJSB /L(,$*$ N. 99:;*

ban(assuran(e is re($+ni?ed as $ne $% the m$st su((ess%ul ban(assuran(e in the ($untry.

I*!+%,$ (* "#$ *!b?$," 7%""$+ 6 *)(,("%"(

S8$,(%) M$"(4

!ne $% the &ery %ew ($C$*erati&e banks t$ +et AD9 )(,$*$t$ $%) ( F+$(1 $@,#%1$

The Indian Bank Ass$(iati$n 'IBA) ha&e a(($lade T-SB with TECHNOLOGY BANK OF

THE YEARaward in the $C$*erati&e Banks (ate+$ry %$r "= 566J

TJSBhas been awarded 7 st #ri?e %$r the Best $C!*erati&e Bank in Maharashtra by

2M%#%+%*#"+% S"%"$ U+b% B%'>* F$$+%"( L".

%$r the ".=.566FC566:.

TJSBhas been awarded 7st #ri?e as 2P%7%b#!*#% V%*%"%% P%"() U"'%+*#% N%1+(

S%#%'%+( B%'%$r the ".=.566


15/47

METHODOLOGY

Intera(ti$n with Industry Ment$r.

Usin+ in%$rmati$n what is tau+ht in the (lass.

Guidan(e %r$m "a(ulty Ment$r.

$lle(tin+ in%$rmati$n %r$m bran(hes.

$lle(tin+ in%$rmati$n %r$m Bank Site.

!ther in%$rmati$n %r$m bran(h sta%%.

DATA


16/47

M$%(1 6 M(,+ *7%)) % 7$(!7 $"$+8+(*$*

Mi(r$/ small and medium enter*rises as *er MSMED A(t/ 5668 are de%ined based $n their

in&estment in *lant and ma(hinery '%$r manu%a(turin+ enter*rise) and $n eui*ment %$r

enter*rises *r$&idin+ $r renderin+ ser&i(es. The *resent (eilin+s $n in&estment %$r enter*rises t$

be (lassi%ied as mi(r$/ small and medium enter*rises are as %$ll$ws9

lassi%i(ati$n Manu%a(turin+ Enter*rises

'In&estment limit in #lant K

Ma(hinery)

Ser&i(es Enter*rises

'In&estment limit in #lant K

Ma(hinery)

Mi(r$ Rs. 5: lakhs Rs. 76 lakhs

Small Rs. : (r$res Rs. 5 (r$res

Medium Rs. 76 (r$res Rs. : (r$res

The term 2&illa+e industries4 has been rede%ined in amended 3I A(t/7J:8 as 2any industry

l$(ated in a rural area whi(h *r$du(es any +$$ds $r renders any ser&i(es with $r with$ut the use

$% *$wer and in whi(h the %i@ed (a*ital in&estment *er head $% artisan $r w$rker d$es n$t e@(eed

Rs. !ne lakh 'Rs. !ne lakh and %i%ty th$usand in (ase $% &illa+e industry l$(ated in a hilly area)

$r su(h $ther sum as may/ by n$ti%i(ati$n in the !%%i(ial Ga?ette/ be s*e(i%ied %r$m time t$ time

by the entral G$&ernment4.

ate+$ries under *ri$rity se(t$r

A) A+ri(ultureB) M(,+ & S7%)) E"$+8+(*$*) Edu(ati$n $an

D) H$usin+ $anE) !thers

Tar+et Sub tar+et %$r *ri$rity se(t$r

Tar+et under *ri$rity se(t$r lendin+ w$uld be linked t$ Adusted Net Bank redit 'ANB) $r

redit Eui&alent am$unt $% !%% Balan(e Sheet E@*$sure '!BE) whi(he&er is hi+her.

ANBC T"%) )%* % %3%,$* b()) (*,!"$ ("# RBI & "#$+ %88+3$ F(%,(%)

I*"("!"(* I3$*"7$" 7%$ %6"$+ A!1 = :== ( NON SLR b* !$+ HTM

,%"$1+2


17/47

Tar+et and sub tar+et set under *ri$rity se(t$r lendin+ %$r UB1s are %urnished bel$w. Sti*ulati$n

re+ardin+ *ri$rity se(t$r is n$t a**li(able t$ Salary Earner Bank.

T$tal #ri$rity Se(t$r

F6 $% ANB $r redit Eui&alent am$unt $% !%% balan(e Sheet E@*$sure

whi(he&er is hi+her

Mi(r$/ Small K Medium Enter*rises 'MSME)

7. Ad&an(es t$ MSME se(t$r will be re(k$ned in ($m*utin+ a(hie&ement under

the $&erall *ri$rity se(t$r tar+et $% F6 $% ANB $r redit Eui&alent

am$unt $% !%% balan(e sheet e@*$sure whi(he&er is hi+her.

5. F6 $% t$tal ad&an(es t$ MSME sh$uld +$ t$ Mi(r$ 'manu%a(turin+)

Enter*rises ha&in+ in&estment in #lant K Ma(hinery u*t$ Rs. 76 lakhs and

Mi(r$ 'Ser&i(es) Enter*rises ha&in+ in&estment in eui*ment u* t$ Rs. F

lakhs.


18/47

E@*$rt (redit t$ MSMEs units 'b$th manu%a(turin+ and ser&i(es) %$r

e@*$rtin+ $% +$$ds ser&i(es *r$du(ed by them. hadi and 3illa+e Industries Se(t$r '3I).

I(+$," F(%,$

$ans t$ *ers$n in&$l&ed in assistin+ the de(entrali?ed se(t$r in the su**ly

$% in*uts t$ and marketin+ $% $ut*uts $% artisans/ &illa+e and ($tta+e

industries. $ans t$ *r$du(ers in the de(entrali?ed se(t$r &i? artisans/ &illa+e and

($tta+e industries

A C#$,' L(*" /C+$(" P+8*%)0

9. L% A88)(,%"(a. $an a**li(ati$n %$rm duly %illed in and si+ned by the b$rr$wer and +uarant$rs

b. Reuest letter $% the a**li(ant B$ard res$luti$n %$r a**li(ati$n $% (redit %a(ilities

a+ainst the se(urity $%%ered as ($llateral *rime by the ($m*any.

(. R! Sear(h in (ase $% new ($m*anies.

d. redit Ratin+ as *er $ur (ir(ular i% the e@*$sure is bey$nd Rs.


19/47

+. atest &isit details al$n+ with the &isit re*$rt

h. In (ase $% (han+e in ($nstituti$n date $% the (han+e in ($nstituti$n

:. P%8$+* (6+7%"( %b!" "#$ %88)(,%"

a. Address9

i. Re+istered !%%i(e9

ii. Administrati&e !%%i(e9iii. Manu%a(turin+ Unit9

b. Brie% *r$%ile Bi$ data $% the *r$*riet$r*artnersdire(t$rs/ number $% years $%

e@*erien(e(. $*y $% the Mem$randum and Arti(les $% Ass$(iati$n in (ase $% the ($m*any

bein+ a new a**li(ant

d. $*y $% the Re+istered #artnershi* deed in (ase $% the %irm bein+ a new a**li(ante. $*y $% the Diss$luti$n retirement deed where&er a**li(able

%. $*ies $% &ari$us re+istrati$ns in(ludin+ that $% SSI/ Im*$rt E@*$rt re+istrati$n i%

a**li(able

+. Shareh$ldin+ *attern in (ase $% #&t. td. #ubli( imited $m*aniesh. atest ($*y $% the Annual return %iled with R!

i. $*y $% "$rm n$.


20/47

< $(ati$n $% "a(t$ry

F $(ati$n $% Head $%%i(e

: Name $% Dire(t$rs #artner

8 Nature $% ass$(iati$n with the a**li(ant

Units

; Date $% Establishment

Nature $% A(ti&ity

J IRA

76 "inan(ial #$siti$n as $n


21/47

h. In (ase $% re($nstituti$n/ %inan(ials &i?. #r$%it and $ss A(($unt and Balan(e

Sheet as $n that date

;. P+?$," D$"%()*

a. Details as t$ *resent manu%a(turin+ setu* in(ludin+ in%rastru(ture %a(ilities su(h

as shed/ *$wer/ Trans*$rt/ Skilledunskilled lab$ur/ arran+ement %$r ($m*lian(e

$% en&ir$nmental n$rms.

b. In (ase $% reuirement $% new Term $ani. T$tal *r$e(t $st and Means $% "inan(e

ii. $mments $n *r$du(ti$n %a(t$rs su(h as utilities/ Man*$wer/ raw material in(ludin+

s$ur(es $% raw material/ marketin+iii. #r$e(t im*lementati$n s(hedule

(. In (ase $% new e@*ansi$n $% e@istin+ a(ti&ities/ ($m*lete detail ab$ut *r$e(t t$

be *r$&ided in(ludin+ e@istin+ and *r$*$sed installed (a*a(ity and (a*a(ity

utili?ed

. D$"%() 6 C))%"$+%)

a. Detail $% ($llateral se(urities in the %$ll$win+ %$rmat

Des(ri*ti$n $% the

*r$*erty se(urity

!wnershi* details Em*l$yed %ree A**r$@.

market &alue

$(ati$n area in

s. %t.

b. $*ies $% *r$*erty *a*ers sti*ulated as se(urity %$r the ad&an(es t$ be taken $n

re($rd and Title Re*$rt %r$m *anel ad&$(ated t$ be $btained durin+ the *r$(edure

$% (redit a**raisal

(. atest &aluati$n details $% the *r$*erty ma(hinery %r$m $ur *anel &aluer i% any

d$ne al$n+ with the ($*ies there$% where&er a**li(able. E@istin+ &aluati$n re*$rt

Market 3alue may be *r$&ided.


22/47

(. Insuran(e details and ($*ies $% the renewed insuran(e *$li(ies

d. Se(urity *$siti$n al$n+ with the *$siti$n $% the $&erdues i% any in &ari$us

a(($unts $n the latest date and *lans %$r (learan(e $% $&erdues.


23/47

PROCESS OF LOAN SANCTIONING

B+%,#

L% A88)(,%"( %)1 ("# (6+7%"( 8+8*%) *!b7(""$ " M!7b%(

+ N%3( M!7b%( +$1( /S8$,(%)($ C+$(" C$)) 0 6+ 8+,$**(1

S,+!"(2 & L$""$+ +$1%+(1 +$!(+$7$" 6 ,!7$"* " 8+,$$* "#$8+8*%)

C78)(%,$ 6+7 A88)(,%"*

A%)2*(* & J!*"(6(,%"( 6 8+$*$" +$!$*"

P+8*%) 8!" !8 %* 8$+ $)$1%"( 6 8$+ S%,"((1 A!"#+("2

A88+3%) 6 )%* 8+8*%) b2 S%,"((1 C77(""$$

S%,"( L$""$+ (**!$ b2 M!7b%( + N%3( M!7b%( +$1(

/S8$,(%)($ C+$(" C$)) 0

C78)(%,$ 6 "#$ T$+7 & C("( % (*b%+7$" 6 L%*


24/47

F%,()("($* 66$+$ b2 TJSB S%#%'%+( B%' " MSME S$,"+

COMMERCIAL LOANS AT TJSB

FUNDED CREDIT

FACILITIES

NON FUNDED CREDIT

FACILITIES

SPECIAL SCHEMES

ash redit imit!&erdra%t

imit

etter $% redit T-SB Trade Ease $an

Bill Dis($untin+ Bank Guarantee T-SB "EET Term $an

Bill Dis($untin+ Buyers redit T-SB SME $an

#re Shi*ment "inan(e #radhan Mantri Mudra y$ana

'#MM=)

#$st Shi*ment "inan(e

#led+e "a(ility A+ainst

0HR

Term $an

iuid Rent Dis($untin+

S(heme

SPECIAL SCHEME TJSB


25/47

TJSB T+%$ E%*$ L%

T28$ 6 )%4 Term l$an !&erdra%t ash redit

P!+8*$4 0$rkin+ a*ital $r a(uisiti$n $% *r$*erty

L% A7!" 4 Min. : la(s

Ma@. 566 la(s

R$8%27$"4 7. "$r term l$an 86 m$nths 'Ma@)

5. "$r (ash (redit $&erdra%t 75 m$nths 'renewable a%ter e&ery year)

R%"$ 6 I"$+$*"4 inked with banks #R as *er (redit ratin+

ELIGIBILITY

9. W# ,% b++ 4 I(3(!%)* P+8+($"+*#(8 P%+"$+*#(8 P3". L". & P!b)(, L"

C78%($*

5. Business units sh$uld ha&e been established in the line $% business %$r a 7((7!7 8$+( 6

: 2$%+*K makin+ *r$%it %$r last 5 years and submissi$n $% IT returns %$r 5 years.


26/47

T28$ 6 )%4 7. "und based9 (ash (redit term l$an

5. N$n "und based 9 BGs s


27/47

Mi(r$ Units De&el$*ment K Re%inan(e A+en(y td. 'MUDRA) is a new instituti$n bein+ set u*

G$&ernment $% India %$r de&el$*ment and re%inan(in+ a(ti&ities relatin+ mi(r$ units.The *ur*$se

$% MUDRA is t$ *r$&ide %undin+ t$ the N$n ($r*$rate Small Business Se(t$r. MUDRA1s basi(

*ur*$se is t$ %und the un%und by brin+ su(h units in %$rmal %inan(ial system and e@tendin+

a%%$rdable (redit t$ them.

Eli+ible se(t$ra(ti&ities are as %$ll$w9

7. L% "+%*8+" *$,"+, #ur(hase $% trans*$rt &ehi(les %$r +$$ds *ers$nal trans*$rt su(h

as aut$ ri(kshaw/ small +$$ds trans*$rt &ehi(les/ < wheelers/ eCri(kshaw/ *assen+er (ars/

ta@is et(.

5. F 8+!,"* *$,"+ , "$r a(ti&ities su(h as *a*ad makin+/ a(har makin+/ amelly

makin+/ a+ri(ulture *r$du(e and *reser&ati$n at rural le&el/ sweet sh$*/ small ser&i(es

%$$d stalls and day t$ day (aterin+(anteen ser&i(es/ ($ld (hain &ehi(les/ ($ld st$ra+es/

i(e makin+ units/ i(e (ream makin+ units/ bis(uits/ bread and bun makin+ et(.


28/47

7 Shishu $ans u* t$ Rs. :6/666

5 ish$re $ans ab$&e Rs. :6/666 t$ Rs. :/66/666

< Tarun $ans ab$&e Rs. :/66/666 t$ Rs. 76/66/666

In &iew $% ab$&e/ we are intr$du(in+ a l$an s(heme under #MM=. The detail are listed bel$w9

N%7$ 6 "#$ S,#$7$ #radhan Mantri Mudra =$ana

T28$* 6 6%,()("2 7. ash redit %$r w$rkin+ (a*ital

reuirement.5. Term l$an %$r *ur(hase $% eui*ment

OMa(hineryO"urnitureO#r$*erty.

P!+8*$ Business #ur*$se

E)(1(b()("2 7. Indi&idual5. !ther #r$*riet$ry ($n(erns/ #artnershi*

"irm/ #&t. td./ td $s./ #/ SHG/ A!#/

B!I.

I,7$ E)(1(b()("2 7. In (ase $% E@istin+ set u*9 In($me su%%i(ient

t$ take (are $% EMIs $% a**li(ants thr$u+h

(ash a((ruals.

5. In (ase $% New set u*9 !n *r$e(ti$n basis

a((e*table t$ Bank.

A1$ Ma@imum u* t$ 86 years. De&iati$n in a+e $r

with ($ a**li(ant a((e*table t$ bank $n (ase

t$ (ase basis.

L% L(7("9 S+

N.

C%"$1+2 L% A7!"

7 Shishu $an u* t$ Rs. :6/666

5 ish$re $an ab$&e Rs. :6/666

t$ Rs. :/66/666

< Tarun $ans ab$&e Rs.

:/66/666 t$ Rs.

76/66/666

R%"$ 6 I"$+$*" 76.55 *.a.

P+(7$ S$,!+("2 M$rt+a+e $% *r$*erty Hy*$the(ati$n $%

Ma(hineryst$(ksB$$k debts et(.

lean limit sh$uld n$t e@(eeds Rs. :/66/666

C))%"$+%) S$,!+("2 T$ e@*l$re the *$ssibility


29/47

R$3($R$$%) "$r ash redit %a(ility/ annual

re&iewrenewal is ne(essary

R$8%27$" 8$+( Ma@imum : years in(ludin+ m$rat$rium

G!%+%"+* Minimum !ne a((e*table +uarant$r

M%+1( Minimum * C#%+1$* As *er *re&ailin+ n$rms

I*!+%,$ 6 A**$"* Insuran(e $% underlyin+ assets with Bank

lause till e@isten(e $% the l$an am$unt

*re%erably thr$u+h Bank

CASE STUDY

NAME OF APPLICANT 4 M* XY-

B+%,# 4

M$7b$+*#(8 4

A. PRESENT PROPOSAL 4

T$ san(ti$n renewal $% ash redit imit $% Rs. ; la(s a+ainst St$(k K B$$k Debt Q 7:.;:

*.a. 'at *ar with #R) with F6 mar+in %$r a *eri$d $% $ne year.

B. PURPOSE OF FACILITIES SOUGHT4 0$rkin+ (a*ital reuirement

C. BRIEF BACKGROUND47. CONSTITUION 4#r$*riet$rshi*

5. ASSET CLASSIFICATION 4Standard

. ADDRESS

.9 OFFICE /L$%*$0 4


30/47

.: OFFICE /L$%*$0 4

. DATE OF ESTABLISHMENT45665

. BANKING SINCE 45675

;. CATERGORY4N$n *ri$rity

. ACTIVITY 4

/%0 Main A(ti&ity 9 i&il $nsultan(y K $ntra(tin+ $% residential $C$*. Hs+. S$(ieties

/ Industrial$mmer(ial #remises

/b0 Main #r$du(ts Ser&i(es $%%ered 9 3ari$us residential $C$*. Hs+. S$(ieties / Builder$% Industrial $mmer(ial #remises

/,0 Industry 9 $nstru(ti$n


31/47

SECURITY Bld+ N$.


32/47

Debt$rs 8.:6

Sub t$tal 'a) 7


33/47

D%"$ P%+"(,!)%+ A**$" ID

77.6


34/47

DEBT EUITY RATIO4 The Debt Euity rati$ $% the a**li(ant has mar+inally

in(reased %r$m 6.J797 in 567


35/47

B HS/ Ga&an #ada/ Mulund 'East)

DE HS/ Ga&an #ada/ Mulund 'East)

HR HS/ G$re+a$n '0est)

D HS/ Mahim 'East)

AS #remises/ Andheri

!S HS/ Ga&an #ada/ Mulund 'East)MIS Assn./ Ga&an #ada/ Mulund 'East)

The ($nsultan(y (har+es are $n an a&era+e ar$und :

PRESENT REUEST4

The a**li(ant %irm is *resently en$yin+ ash redit imit $% Rs. ;.66 la(s a+ainst St$(k K B$$k

Debts. !*erati$ns in the a(($unt are satis%a(t$ry.

The a**li(ant %irm is int$ business $% (i&il ($nsultan(y and ($ntra(tin+ $% residential $C

$*erati&e Hs+. S$(ieties industrial ($mmer(ial *remises.

As in%$rmed by the a**li(ant their business +r$win+ ra*idly. #resently the %irm is ha&in+

%$ll$win+ $nsultan(y K $ntra(tin+ w$rk in hand under e@e(uti$n.

CONSULTANCY WORK PROJECT IN HAND4

S+. N. N%7$ 6 P%+"2 C#%+1$* (

6 ""%) ,*"

C#%+1$*

7. BR HS


36/47

ONGOING CONTRACTING PROJECTS4

S+. N. N%7$ 6 8%+"2 W+' O+$+

9. NI HS


37/47

Thus ($nsiderin+ the in(reasin+ sale/ adeuate se(urity ($&era+e/ we re($mmend t$ san(ti$n

renewal $% ash redit imit $% Rs. ;.66 la(s a+ainst St$(k K B$$k Debt Q 7:.;: *.a. 'at *ar

with #R) %$r a *eri$d $% $ne year.

S%,"((1 A!"#+("24

$nsiderin+ the t$tal e@*$sure $% Rs. ;.66 la(s/ the *r$*$sal %alls within the dele+ated *$wers $%hie% Mana+er thus *la(ed %$r san(ti$n.

NMMRO RECOMMDATION4

T$ san(ti$n renewal $% ash redit imit $% Rs. ;.66 la(s a+ainst St$(k K B$$k Debt Q 7:.;:

*.a. 'at *ar with #R) with F6 mar+in %$r a *eri$d $% $ne year.

TERMS AND CONDITIONS4

9. P+(7$ S$,!+("24 Hy*$the(ati$n $% St$(k and B$$k Debts.

:. C))%"$+%) S$,!+("2 " ,"(!$4

%. "DR N$. ":J85 and " :J8< $% Rs. F.7: la(s P interest a((rued there$n.

b. M$rt+a+e $% "lat Bld+ N$.


38/47

99. A**li(ant t$ (arry $ut e@(lusi&e bankin+ with T-SB Bank.

9:. Rent A+reement $% new $%%i(e *remises at


39/47

; Term $ans %r$m !THERS :.8: 7.


40/47

58 ESS9 De*re(ati$n

5; NET BLOCK /:5:;0 7J.; 7.8 7.65

OTHER NON5CURRENT

ASSETS /ONCA0

5 In&estment inSubsidiariesass$(iate

5J Debt$rs m$re than 8 m$nths


41/47

e !ther manu%a(turin+ E@*

% De*re(iati$n 7.;< 7.:F 7.


42/47

7: RETAINED EARNING

959

F.<


43/47

8 URRENT RATI! 7.66 5.J; 5.5;

; NET 0!RING A#ITA C6.65 57.;: 7:.58

ASSETS TURN!3ER

RATI!

7.F< 7.J; 5.77

J REE3IABE RATI! :F.87 F5.


44/47

ANALYSIS OF DATA INFORMATION & FINDING

/R*. ( ,++$*0

P%+"(,!)%+ :=9 :=9 :=9;

T$tal Ad&an(es F6;F.67 FF6.F; F;:8.6

Ad&an(es t$ #ri$rity

Se(t$r

788;.J5 788;.


45/47

2014 2015 20163600

3800

4000

4200

4400

4600

4800

5000

4074.01

4408.47

4756.8

Advances

!vance"

2014 2015 20161600

1620

1640

1660

1680

1700

1720

1740

1760

1780

1800

1667.#3 1667.32

1785.61

Priority Sector

P$io$ity Secto$


46/47

2014 2015 20161040

1060

1080

1100

1120

1140

1160

1180

1200

1220

12401215.57

1110.33

113#.36

MSME Sector

MSME Secto$

RECOMMENDATIONS


47/47

REFERENCES

Documents

Charkop Branch SIP Report