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KERALA FINANCIAL CORPORATION Vellayambalam, Thiruvananthapuram 695033 Tel: 2737500, 2318319, Fax No. 2311750 www.kfc.org, [email protected] Tender Name : Study, Development, Testing & Implementation of KFC/KSEDM Online Application portal Tender No.: KFC/TDR/SYS/06/2014-15 Date:02/07/2014 Sealed tenders are invited for Study, Development, Testing & Implementation of KFC/KSEDM Online loan application. . Date of Acceptance of Tender up to 02:00 PM on 25/07/2014. Date/time for opening of Technical bid 03.00 PM on 25/07/2014. Date/time for opening of Commercial Bid 03.00 PM on 29/07/2014. Earnest Money:Rs.50,000/- (Treated as Security deposit during the warranty Period.) Sealed Tender should be sent by Registered Post/Courier at the following address or handed over to DGM(Systems), KFC, Vellayambalam, Thiruvananthapuram. “Tender for Online loan application No: KFC/SYS/06/2014-15 dt: 02.07.2014” may be supperscribed on the cover. THE CHAIRMAN & MANAGING DIRECTOR, KERALA FINANCIAL CORPORATION VELLAYAMBALAM, THIRUVANAMTHAPURAM - 695 033, KERALA. Tele: 91- 471- 2318319 (7 lines) ,Fax : 91- 471- 2311750/ 2729293
No tender received after due date and time will be considered. Only tenders in hard copy will be accepted. For more details please visit KFC’s website www.kfc.org .
Dy. General Manager(Systems)
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PART-I : REQUEST FOR PROPOSAL
Introduction
Kerala Financial Corporation (KFC) incorporated under the State Financial Corporations Act of 1951, is a trend setter and path breaker in the field of long term finance, playing a major role in the development and industrialisation of Kerala. It was established on 01.12.1953. Now KFC has 16 Branch Offices with its Head Quarters at Thiruvananthapuram and Zonal Offices at Kozhikode, Ernakulam and Thiruvananthapuram . The main objective of KFC is the rapid industrialization of the state by extending financial assistance to Micro, Small and Medium Enterprises in manufacturing and service sector. Corporation can give financial assistance for setting up of new units and for the expansion / modernization / diversification of existing units in both manufacturing and service sectors. Since inception KFC has disbursed over Rs. 3000 Crores to more than 40,000 projects, spread over the length and breadth of the State. Kerala State Entrepreneur Development Mission (KSEDM), aims at inculcating entrepreneurial confidence among youth of the State through the process of selecting persons with aptitude and earnestness, training them meticulously and providing them interest free financial assistance up to Rs.20 lakhs.
KFC’ business operations are linked with its Core Financial Solution(CFS), which encompasses all the business functionality of the organization such as Loan processing, Loan & Financial Accounting, HRMS, payroll, Asset management etc. KFC intends to make its loan application process online for applying for various schemes of KFC. The customers can login from anywhere and will be able to access the loan application form, feed the data, upload the relevant documents and submit the application form. The customer will also be able to know the status of the application. KFC can inturn utilize the facility to speedup the loan application process and to reach out to more customers.
Scope of Work
KFC intends to make its loan application (attached as Annexure III) online with an attractive user friendly frontend with backend database.
The scope of work of the project involves the following:
1. Requirement Analysis (the development team/team lead should interact with KFC officials and identify the actual requirements.)
2. Submission of Software Requirement Specification(SRS),(the firm should study the actual requirement and should submit the SRS with prototype of the proposed system and database design.)
3. Design and Develop the Online Loan Application, (the application should be
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developed in Agile mode of Development.) 4. Testing and hosting the application, (the firm should conduct unit testing,
functional testing, security testing etc. before deliver the product to KFC. Also the firm should take initiative to host the application in discussion with KFC’s Systems Department)
5. Integrate the Online Loan Application with the KFC website & Core Financial Solution (CFS) of KFC, (the firm should interact with the development team of KFC Website & CFS for integrating the developed software with those applications.)
Period of Contract:
The project schedule will be for 2years as given below
Work Duration Study, Design, Development & Implementation 4 months User Testing & Acceptance 2 months Warranty 6 months Maintenance support 1 year - contract will commence from the date of signing of the contract.
General :
1. The Online Application Portal should be an independent web portal system with its own backend database. The applicants/customers should be able to access this web portal and able to fill the details, upload the documents etc. from anywhere. There should be an interface for the branch administrator to view the application submitted online specific to their branch, and the concerned officer should be able to accept or reject the application. The accepted application details should be exported in the format required by KFC’s Core Financial Solution team to integrate with the CFS application.
2. Platform : J2EE 3. Framework : STRUTS 4. Backend : MySQL, with properly indexed. 5. The frontend should be user-friendly graphical user interface. 6. The online solution should have the ability to support Browser based User
Interface and it should support browsers like Firefox, IE, Chrome etc. 7. The proposed solution should not require any software/library/application etc. to
be installed on the client PCs/Laptops/Mobiles/Tablets etc. 8. The application should be integrated with email & SMS system. 9. The application should have the ability to generate report output directly in
Microsoft Word & Excel, PDF, Text, XML ,HTML or such other file types
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10. The application should have the ability to work concurrently with any other security, surveillance and other application software for functioning e.g. Anti Virus, Firewall, MSOffice, Tally, etc.
11. The application should have System Security in database and application levels. 12. The application should have the ability to restrict data updation/creation only
through application layer and should keep the record for all such operations. Also the deletion of records should be soft deletion mode instead of completely removing the records from the backend.
13. The application should have the ability to create customized reports by the user. 14. The application should be able to generate reports at branch level, Zonal level
and head office level 15. The application should provide MIS dashboards for senior management 16. The application should have the capability to archive attachments/ reports which
can be used in Document management system 17. The application should support TCP/IP,HTTPS protocols 18. The application should have single sign-on access across modules with easy-to-
use user interface that can be accessed via the web interface. 19. The application should have Online Documentation, On-line help, Field-level
help, Screen-level help etc. 20. The application should have the capability of maintaining data on continuous
basis without purging and without affecting system performance 21. The application should have the capability to generate standard text based
report, which shall be editable 22. The application should have the capability to generate user friendly/customized
reports, which shall be meaningful, consolidated and concise and could work as an effective tool for senior management for decision making
23. The application should have the capability to provide/display data in tabular form, text form & graphical form
User Roles
There are different user roles in the application
a) Loan Applicant - who interfaces with the online loan application form over the internet through KFC website www.kfc.org
b) Central Administrator - who is responsible for maintaining the users, master entries, document templates and checklist.
c) Branch Administrator - who is authorized to view the online loan application form pertaining to respective branch and decides to accept or reject the loan application.
d) Zonal/Branch Super user – who is authorized to view all application posted to
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branches under the respective zone. Different sort and filtering should be made possible.
e) Central Super user – who is authorized to view all online loan applications. Branch wise and Zone wise sorting should be provided. Different sort and filtering should also be made possible
Loan Applicant
The loan applicant can access the online application form through KFC’s website.
User Registration :
The Chief promoter of the Firm/Company will be allowed to create a user account before proceeding with the online application. For registration the system should capture the basic details such as
Name, Address, District, State, Pincode, Mobile number, Email address, ID proof, Purpose of registration.
• all fields are mandatory • the District, State, ID should be taken from master data available. • the mobile number & email address validations should be provided • provision to upload photos should also be provided
The system should check the same firm might be registered earlier or not.
The user will be registered once the validation process is over.
Once the user is registered, the system should maintain the user profile and a unique customer id should be generated. Loan applicant can provide a user id and password while creating the profile and the same should be automatically send to the user via SMS & E-Mail.
The user should have a separate homepage with link,
• “Apply Online” which directs to the user to select the loan scheme (in the online loan application form). User can apply for different loan schemes as and when he/she requires. Each time an application submits, unique reference number should be generated.
• “Upload Documents” which helps the user to upload any documents • “Messaging” which helps the user to send any information or query to the branch.
The administrator should be able to reply to and all the communications and also should able to view the information received online.
• “Status” helps to know the status of online application submitted. Status also
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shows any notification from the administrator. Status icon should display the notification if there is any unread notification from the administrator.
• “Change Password”, allow resetting the password on providing valid credentials. • “Upload Photo” which helps the user to upload photos
Loan Application Processing
Selecting the “Apply Online” link will facilitate a loan applicant to apply for a KFC/KSEDM loan in an online mode.
The next screen may have the option to select the Loan scheme based on the category as below
There should be a provision to use Digital Signature in applications, if the user have one.
KFC LOAN SCHEMES
KFC currently have 13 loan schemes. All the 13 loan schemes are linked with 5 different application forms. There should be an option to add new schemes, deactivate/activate existing schemes and link these schemes with the online application forms by the central administrator.
GENERAL DETAILS (Common to all Loan applications) OTHER DETAILS (Common to all Loan applications) BIODATA (Should submit multiple entries for all Promoters/co-obligants)
Scheme No:
Scheme name Application Form
1. Scheme for Term Loan for Industrial Activities
TERM LOAN/ MODERNIZATION/ EXPANSION
2. Working Capital Revolving Fund Loan REVOLVING FUND LOAN/SPECIAL RFL
3. Scheme for Construction activities and housing projects
TERM LOAN/ MODERNIZATION/ EXPANSION
4. Short Term Loan SHORT TERM LOAN 5. Special working Capital Assistance to
Hotels SHORT TERM LOAN
6. Scheme for Financial Assistance to Civil Contractors. CIVIL CONTRACTOR LOAN
7. Scheme for Financial Assistance for producing Feature Film and TV serials.
TERM LOAN/ MODERNIZATION/ EXPANSION
8. Scheme for Modernisation, upgradation and expansion of existing cinema theatres and establishment of new multiplexes.
TERM LOAN/ MODERNIZATION/ EXPANSION
9. Scheme for financing Vehicles/Fishing Boats/ House Boats. TRANSPORT SECTOR LOAN
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10. Scheme for Working Capital Term Loan TERM LOAN/ MODERNIZATION/ EXPANSION
11. Scheme for Modernisation, Upgradation, Expansion and Diversification of Existing Hotels/ Hospitals/ Industrial units
TERM LOAN/ MODERNIZATION/ EXPANSION
12. Special Revolving Fund Loans for Existing Customers.
REVOLVING FUND LAON/SPECIAL RFL
13. Receivable Finance Scheme SHORT TERM LOAN
KSEDM LOAN
KFC currently have 2 loan schemes. The schemes are linked with the related application forms. There should be an option to link Schemes with the online application forms
KSEDM Loan Schemes & Application forms
BIODATA (Should submit multiple entries for all Promoters/co-obligants)
Scheme No:
Scheme name Application Form
1. Application for financial assistance
FINANCIAL ASSISTANCE - GENERAL
2. Application for financial assistance for it based projects
FINANCIAL ASSISTANCE - IT
-‐ While selecting each item, it will redirect to the linked application form specified in
annexure-III attached. -‐ The applicant should have the option to edit the application at a later stage
before he/she finally submits the same. -‐ The applicant should have provision to upload document as and when required
even after final submission of the application online. The file size & format of the uploaded document should be restricted as per KFC’s requirement.
-‐ The application submitted can be accessed by respective KFC branch office selected at the time of filling the application form, Branch master should be provided.
-‐ Print out/Export to pdf option for application should be provided -‐ While final submission of the Online application, successful application received
message should be send to the applicant with the reference id in the format specified below.(Email & SMS service will be provided by KFC and the same should be integrated with the online application by the developer itself). Format : KFCAPP_<BR-SHORT>_<global-running-serial-number>
-‐ Facility for applicant to know the status of the application submitted on login.
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-‐ The applicant can able to view the application based on the status (accepted/ rejected/ pending) on login, if it is rejected the applicant can able to resubmit the application after necessary corrections.
-‐ On final submission of the online loan application by a customer an Email & SMS should be send to the concerned branch admin that an application is submitted.
For Branch Administrators
-‐ Each branch should have a separate login -‐ Once administrator in each branch login they should have an email like interface
to access the posted application -‐ The branch admin should be able to view only those applications meant for
him/her. -‐ The administrator should have the provision to download the application in xml,
pdf or word(doc, docx) formats. -‐ The uploaded documents should be shown as separate icon with the number
over it, representing the no:of documents uploaded under it. The administrator should also have the provision to download the attachments.
-‐ Each and every time the applicant does a new upload, a distinct identification should be given to the down load icons.
-‐ Branch admin should have the provision to reject or accept application stating valid reason. No hard deletion of application is allowed for the branch administrator. The applicant can able to view the application based on the status(accepted/rejected/pending) on login, if it is rejected the applicant can able to resubmit the application after necessary corrections.
-‐ Branch admin should be able to view all application based on status (in process, accepted, rejected etc.).
-‐ Branch Admin should be able to update the status of each loan ‘in process’ status to ‘Under Valuation’, ‘Under Sanction’, ‘Sanctioned’, ‘Rejected’ etc. This may be finalized at the time of development.
-‐ Branch wise report on applications with different status like rejected, accepted & in process application should be made available, sorting option should be provided based on date, customer/concern name, scheme etc.
-‐ The branch admin should have provision to take printout of individual application.
For Zonal/Branch Super user
-‐ Each Zone/Branch Super user should have a separate login. -‐ While login as the Super user they should have a dashboard like interface with
each branch application submitted, in process, accepted, rejected etc. -‐ Once the Zone/Branch Super User login they should have an email like interface
to access the posted application under each branch.
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-‐ The Zone Super user should be able to view all application posted under a branch or branches under the zone.
-‐ The Super user should have the provision to view the application and its status. -‐ The uploaded documents should be shown as separate icons with the number
over it, representing the no:of uploads under it. The Super users should have the provision to view the attachments.
-‐ Branch wise report on applications with different status like rejected, accepted, in process etc. should be available, sorting option should be provided based on date, customer/concern name, scheme, branch etc. should be provided.
-‐ The Zone/Branch super user should have provision to take printout of individual application.
For Central Super user
-‐ There will be more than one Central super user who should be able to see all branch application details.
-‐ Once the Super user login they should have a dashboard like interface with each branch/zone application submitted, in process, accepted, rejected etc.
-‐ While selecting each branch/zone details they should have an email like interface to access the posted application
-‐ The Super user should be able to view all application posted to branch under each branch/zone.
-‐ The Super users should have the provision to view/print the application and its status.
-‐ The uploaded documents should be shown in separate icons with the number over it, representing the number of uploads under it.
-‐ Each and every time the applicant does a new upload, a distinct identification should be given to the down load icons.
-‐ Branch/Zone wise Separate report for rejected, accepted & in process application can be taken, sorting option should be provided based on date, customer/concern name, scheme, branch etc.
-‐ The central super user should have provision to take printout of individual application.
For Central Administrator
-‐ There will be one central administrator who will create branch administrators, Zone/branch super users
-‐ Once the central admin login he/she should have an interface to manage members, officers, applications, change/reset passwords for the users, update master entries etc.
-‐ The central administrator should have the provision to view all applications. -‐ The central administrator should be able to delete the application permanentely.
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-‐ The administrator should have the provision to download the application in xml, pdf or word(doc, docx) formats.
-‐ The uploaded documents should be shown in separate icons with the number over it, representing the no:of uploads under it. The administrator should have the provision to download the attachments.
-‐ Branch wise & Zone wise sorting should be provided based on date, customer/concern name, scheme, branch etc.
-‐ The central admin should have provision to take printout of individual application.
Source Code
-‐ The complete ownership of the source code, database scripts etc. will be with KFC, Vellayambalam, Thiruvananthapuram.
-‐ The selected Firm/Company should provide the entire source code access for the Corporation and should be ready to execute an undertaking to that effect.
-‐ All source codes, database scripts etc. should be properly documented and submitted in Soft Copy on CD-ROM/DVD or otherwise as specified. The source code should contain all codes for compiled/compressed programs (.dll, jar, war etc), if any.
-‐ Printed document on the detailed database structure and relations should be provided
-‐ KFC will have exclusive right to the online application package and other computer programs developed (including the source code, database scripts etc) for online loan application.
-‐ Firm/Company, which is awarded the work order, should not use the database generated for any other purposes other than those specified by the KFC, who will have the exclusive right to the database.
-‐ Full documentation on installation of the application & database should be provided and the firm should be demonstrating the same with the source code, DB scripts etc. submitted to the KFC.
-‐ If the submitted source code is identified as incomplete, the project is treated as incomplete and charges the penalty as per the ‘The penalty clause’ in Part-II Section 34 of this document.
-‐ Release of the payment will be based on the successful implementation of the project, submission of complete source code, DB scripts etc. and successful demonstration of the same.
Support and maintenance
-‐ Six months Service warranty also includes free updates on any content of the application form.
-‐ 1-year maintenance support includes updating any content of the application form. Charges are on call basis and per person hourly rates should be submitted
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along with this tender. Per man month should be considered as 6 working days per week.
-‐ Delay in work should attract penalty as per clause ‘THE PENALTY CLAUSE’ defined in Part-II, Section 34 of this document.
Reports
-‐ A separate section of reports should be provided to all users, based on their access rights. Provision for printout for the following should be made available.
I. Registered user list, Applications posted, branch wise/Zone wise/All and in between dates.
II. Application, Sector wise, rejected, accepted, pending, realized etc. III. User log IV. Access log
-‐ The format of the reports should be discussed and finalized at the time of development.
-‐ Additional reports if any, identified at the time of system study should also be included with out any further cost.
Search option
-‐ Search for all users should be with Application Number, Applicant name, Branch, District, Sector, between dates, promoters name, company/firm name etc.
-‐ Other search criteria required should be incorporated at the time of development with out any additional cost.
General
-‐ All dropdown combo values should be from master tables only. -‐ Ajax should be incorporated whenever necessary, unnecessary page refresh on
combo selection, control events is not recommended -‐ Standardized coding practice and validations should be incorporated to make the
system fast and secure -‐ Districts/villages/taluks in Kerala should be provided by default -‐ The database should be properly indexed and normalized and standardized to
avoid delay in data retrieval. -‐ Every component on the screen should have tooltip help facility. -‐ Selected Firm/Company should ensure the code should handle security loop
holes(like SQL injection) on application access, data and data transfers. -‐ Selected Firm/Company shall be required to provide zero error/security-loophole
certificates on data capturing, reports, result etc.
Hosting
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-‐ The application should be hosted as per KFC’s discretion. Any special requirement, if any, should be discussed & finalized with the DGM(Systems), Systems Department.
PART-II: INSTRUCTIONS TO THE BIDDERS
Tender Name:
Study, Development & Implementation of Online Loan Application Forms for KFC
Terms and Conditions.
The quotations duly SEALED AND SUPERSCRIBED ON THE ENVELOPE WITH Tender No, Date and Tender Name should be addressed to:
The Chairman & Managing Director, Kerala Financial Corporation, Vellayambalam, Thiruvananthapuram-695033, Kerala
So as to reach on or before the due date stipulated. Quotations received after the due date and time will not be considered. The covers received without superscription are liable for rejection.
1. The quotation shall be submitted in two bid system in the prescribed form and shall be valid for a minimum period of 3 (three) months from the date of opening of Tender.
2. Quotations will not be accepted by Fax, Email or any such electronic data transfer form.
3. EMD/Security Deposit(SD)
1.1 The bidder shall enclose a Demand Draft/Banker’s Cheque for Rs.50,000/- [Rupees fifty thousand only] drawn on any scheduled commercial bank in favour of “Kerala Financial Corporation” payable at Thiruvananthapuram towards EMD along with the Technical bid in [COVER – I]
1.2 The EMD will not carry interest.
1.3 The offer received without the required EMD will be summarily rejected.
1.4 The earnest money of the unsuccessful bidders will be refunded without any interest.
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1.5 In case the successful bidder fails to execute the order as per the terms and conditions, the EMD deposited shall be forfeited without further notice.
1.6 The EMD remitted by the successful bidder shall be converted to Performance Guarantee in the form of Security Deposit (SD). SD will also do not carry any interest.
1.7 ‘SD’ will be returned at the end of the contract period (after the support & maintenance period) after a period of 60 days beyond the date of completion of all contractual obligations of the successful bidder.
1.8 In the event of failure to honor the selected agency’s commitment or contractual obligations or any violation of conditions as per this tender, KFC shall forfeit the EMD(Rs.50,000/-)/Security Deposit without further notice. The agency will also be liable for other penal (both civil and criminal) actions and for compensation to KFC of any loss as may be computed by KFC at its sole discretion.
4. The bidders are advised to study the tender document carefully. Submission of tender shall be deemed to have been done after careful study and examination of the tender papers with full understanding and implications thereof. Any bid that is technically not feasible is liable to be rejected.
5. Every page submitted should be numbered and signed.
6. Concern/Company, which has been blacklisted/terminated by KFC or by any State/Central Government’s Departments/Organizations/PSUs in the last, three Financial Years for the development of software are not eligible to participate in the tender.
7. The KFC will open the technical bid (Cover I) first. The ‘Financial Offer ' (Cover II) of the qualified bidder will be opened thereafter.
8. Eligibility Criteria (Should submit with supporting documents)
8.1 The bidder should be a registered IT software development company and have sufficient infrastructure to cater the service.
8.2 The Vendor intended to participate in this Tender process must have professionals with through knowledge in JAVA, Struts, AJAX etc.
8.3 Developer should have undertaken, executed & completed satisfactorily at least three similar online application project in JAVA platform in any Financial institution/Schedule Commercial Banks/NBFC in India which is up and running now.
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8.4 The bidder should have firm’s PAN/TAN number and the proof of the same must be attached.
8.5 The bidder should have firm’s Service Tax Registration number and the proof of the same must be attached including the latest chellan.
8.6 The company shall have resident software development team in Thiruvananthapuram, Kerala.
8.7 The bidder should have achieved an annual turnover of at least Rs.100 Lakhs in the IT software services business during each of the last three financial years
8.8 Developer should have minimum of five years of experience in similar line of business and having adequate experience in successful implementation of similar projects.
9 Details of work and time limits allotted for the work
9.1 The Concern/Company will be responsible for the Study, Development & Implementation/ Integration of online application as per PART-I REQUEST FOR PROPOSAL of this document.
9.2 Failure to comply with the requirements would be treated as dishonor of contractual obligations. The bill payments will be withheld in failure of the same.
9.3 In case of any issues, a detailed analysis of failure should be conducted to avoid any similar failure in future.
9.4 The selected Firm/Company will also nominate a supervisor/project leader who will visit KFC Systems Department whenever required to discuss problems and/or issues in consultation with KFC officials.
9.5 The maintenance agency shall provide a clear-cut escalation matrix to the DGM(Sys), Systems Department.
9.6 If any errors are observed, the Concern/Company should analyze them in detail and carry out necessary activities to eliminate them as part of service support (Warranty/AMC service).
9.7 Weekly report on the status of development/service support, which highlights the findings & follow-up actions, will be submitted to the DGM(Sys), Systems Department within two days.
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9.8 The prospective bidders can depute an authorized representative for discussing any doubts regarding the requirements. They may contact DGM(Systems), Head Office, KFC – 9496030127 / 0471-2737520 for the same.
10 Proposal Format (failing of any of the conditions which the same may be rejected)
Two covers, one ‘Techno Commercial Offer along with Required EMD’ envelope super scribing “Technical Bid” (Cover I) and the other one with the Financial Offer super scribing “Financial Bid” (Cover II) shall be enclosed separately. The sealed envelopes mentioned above should again be placed in a single sealed main envelope superscripted as "Tender for KFC’s Loan Online Application Form", TENDER No: KFC/SYS/06/2014-15, From : Bidder’s Name and Contact details” which will be received in the office of KFC Vellayambalam up to the due date and time mentioned in this document.
10.1 The Techno-Commercial proposal may contain:
10.1.1 the Demand Draft in favor of “Kerala Financial Corporation” payable at Thiruvananthapuram for EMD of Rs.50,000/-
10.1.2 copies of testimonials to confirm the responsiveness and quality of development service offered.
10.1.3 Copy of PAN/TAN/Service Tax Registration.
10.1.4 Information sheet as per Annexure I duly filled after affixing signature and office seal on both pages.
10.1.5 Audited balance sheet for FYs 2010-11, 2011-12 and 2012-13 should be submitted. Provisional balance sheet for FY 2013-14 may also be enclosed.
10.1.6 Bidder should submit the ISO 9001:2000/2008/CMM Level certification, if any, covering software developmental services.
10.1.7 The Financial Offer as per Annexure-II may contain rates both in numerical value and in words. The rate and amount quoted should be exclusive of all expenses such as all duties, taxes, freight, insurance etc., Such charges, if any, should be mentioned separately. No amount will be paid extra on any account.
10.1.8 Any other supporting document as per this tender.
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10.1.9 The prices quoted by the bidder shall have sufficient details to enable KFC to arrive at the price of service/ system offered, failing which such tender will be summarily rejected.
10.1.10 If any information asked in the TENDER document is not available in the Technical/Financial Bid or if the bidder does not meet the criteria given at 8.3 the bid is liable for rejection.
10.1.11 Prices should not be indicated in the Technical Bid.
10.1.12 All the columns of the Price Bid shall be duly, properly and exhaustively filled in. The rates and units shall not be overwritten. Rates shall always be both in the figures and words.
11 The Technical Bid and Commercial Bid shall be submitted in the format given in Annexure I and Annexure- II respectively and the authorized signatory of the Bidder shall sign them. Copy of the authorization letter from the Chief Executive/Governing Board of the Bidder shall be enclosed.
12 Technically qualified and commercially responsive lowest offers will be considered for award of the contract. However, the KFC reserves the right to reject all or any of the offers of the Bidder without assigning any reason. No claim or complaint in this regard will be entertained by KFC.
13 Arithmetical errors will be rectified on the following basis: If there is a discrepancy between the unit price and the total price that is obtained by multiplying the unit price and quantity, the unit price shall prevail and the total price shall be corrected. If the Bidder does not accept the correction of the errors, his bid will be rejected. If there is a discrepancy between words and figures, the amount in words will prevail.
14 Tie breakers in case of identical Bids :If rates are found to be identical by more than a firm, preference will be given to firm with highest turnover in financial year 2012-13 (audited).
15 Qualification of developers attending the development of the product. The developer should have a MCA/MSc-IT(full time)/Engineering degree(full time) holder from any recognized university with minimum 2 year of experience in software development in JAVA/J2EE. The agency should submit the list of technicians along with qualification and experience in the Annexure- I.
16 The technicians/engineer listed in Annexure- I normally will not change and in case of change the prior approval of KFC should be obtained in writing.
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17 The selected agency should not outsource the contract either partially or fully to any third party.
18 The selected agency will indemnify the KFC against any claim, loss, damage occurred, or caused to the KFC due to willful acts or omissions or carelessness or negligence of its engineers/supervisors, while on duty.
19 The Selected agency should maintain a good cooperation with the existing service provides in KFC on Application/DB/VC/AV/Mail server management and hardware service providers. Failure or shifting of any assigned work with respect to this contract to anyone else would be treated as dishonor of contractual obligations. In case of any dispute with any other service provider, the matter should be referred to DGM(Sys), Systems Department, KFC.
20 KFC also reserves the right to ask the Agency to replace the developer from the site/development with immediate effect, if his behavior / performance is not up to the mark and / or found indulging in unlawful activities. Agency shall immediately comply with such instructions.
21 Conditional quotations not accompanied with the required documents will be rejected forthright.
22 KFC shall have right to issue addendum to tender document to clarify, amend, modify, supplement or delete any of the conditions, clauses or items stated therein. Each addendum shall form a part of the original invitation to tender.
23 Signed copy of the tender document with each page duly signed by the authorized official of the bidder should be submitted as a token of acceptance of the terms and conditions.
24 The Selected agency should submit a copy of the concerned extract of the company resolution as proof by whom to be authorized to sign the Agreement at the time of finalization of the contract.
25 Late Bids Any bid received by the KFC Vellayambalam after the time and date for receipt of bids prescribed in the TENDER document will be rejected and returned unopened to the Bidder.
26 Modification and withdrawal of Bids
Bids once submitted can not be modified or withdrawn
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27 Bid Forms
27.1 Wherever a specific form is prescribed in the Bid document, the Bidder shall use the form to provide relevant information. If the form does not provide space for any required information, space at the end of the form or additional sheets shall be attached and used to convey the information sought.
27.2 Corporation shall not be bound by any printed conditions or provisions in the Bidder’s Bid Forms. In case terms and conditions of the work order applicable to this invitation to quotation are not acceptable to any tenderer, he should clearly specify deviation in his tender. Corporation reserves the right to accept or reject them and will not be bound to give reasons for its refusal to consider the tender with such deviations.
28 Evaluation of Bids: 28.1 Technical Bid: Only the technically qualified bidders, on the ground of
satisfactorily submission of above-said Pre-Qualification documents, will be considered for opening of the commercial bid. No further discussion/interface will be held or entertained with the bidder whose bid has been technically disqualified / rejected.
28.2 Commercial Bids: Commercial bids of those bidders who qualify the technical evaluation will only be opened.
29 Demonstration of technical expertise: 29.1 If Required, the Firms/Companies short-listed by the Corporation should
demonstrate their technical capabilities to handle the tasks and are required to demonstrate at their own expense before the opening of financial bids.
30 Terms of Payment.
30.1 Firm/Company would be required to sign an agreement on a stamp paper of an appropriate value.
30.2 The rates once approved will not be enhanced by the KFC in any case during the period of the contract.
30.3 Payment will be made submission of the bill as per the following conditions & Schedule of Payment
30.3.1 (a)satisfactory performance/completion report and (b) Work completion certificate countersigned by the DGM(Systems), System Department as per the requirement specification above.
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30.3.2 All the papers with respect to development should be countersigned by DGM(S).
30.4 The applicable TDS will be deducted from the payments made by Corporation.
Payment Milestone % of Basis Basis Key Requirement
Submission of documents by the selected Firm/Concern on project design, total system architecture, Team deployed, Project planning and phasing, Implementation strategy, detailed SRS, preliminary design document, Functional document and acceptance certificate by Systems Department, KFC
10% Total Project Cost
7.5% of the amount paid will be withheld as performance guarantee
Supply, testing, implementation and training by the service provider and its user acceptance in all respects by KFC
40% Total Project Cost
7.5% of the amount paid will be withheld as performance guarantee
2 month after the successful implementation, operation and acceptance of system in all respects by KFC
50% Total Project Cost
These two months will be counted only after the smooth running of the module with out any bugs or errors. If any such bugs or errors were found, the period will be extended for one more months from the date of rectification of the error. 7.5% of the amount paid will be withheld as performance guarantee
*7.5% amount withheld along with the SD will be released after the AMC is over, based on the service during the warranty period. If any noncompliance the amount will be forfeited by the Corporation. The withheld amount will not carry any interest.
31 Taxes.
Taxes shall be deducted from the successful Contractor’s payment as per Government Rules. Tax Deduction Certificate shall be issued on demand.
32 Completion, Extension & Termination.
32.1 Period of contract is for two year from the date of signing the contract. Within the contract period an AMC of 1year should be ensured. A written request to renew AMC for further year must be submitted by the selected agency along with
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Balance Sheet of the previous Financial year. AMC will be renewed for another year subject to the satisfactory performance of the agency and approval by CMD of the Corporation..
32.2 The extension of AMC is considered if the service is satisfactory in all respect to KFC. The decision of Chairman & Managing Director, KFC in this regard shall be final.
32.3 It shall be open to the agency to terminate this agreement any time by giving three months’ advance notice to KFC, in writing.
32.4 In case the vendor fails to provide the solution as per the requirements and/or satisfactory level of maintenance and/or the calculated damages in any month exceeds 20% of the total project cost, KFC reserves the right to serve a minimum of 7 days’ notice and terminate the contract. In this connection the decision of KFC shall be final and binding on the Contractor.
33 Confidentiality 33.1 The Bidder should not disclose to any other party and keep confidential
the terms and conditions of this Contract agreement, any amendment hereof, and any Attachment or Annexure hereof.
34 THE PENALTY CLAUSE: Company/Firm has to complete the work as per the prescribed schedule and strictly in accordance with the terms and conditions of the Tender failing which the Corporation without prejudice to any other right or remedy available may recover any such amount suffered as loss from the Company/Firm as ascertained/assessed by this office as liquidation damages and not by way of penalty to be imposed, separately at the rate of 0.5% per day of delay on the total value of work order subject to a maximum of 25% of the total value of work order, provided if any loss or delay has been caused due to any reasons beyond the control of any of the parties (Force Majeure). The CMD, KFC, Thiruvananthapuram shall have the sole discretion to waive off such loss or penalty as he deems fit, provided further that the selected Firm/Company shall explain in writing the reasons which caused such delay or loss within 5 days from the date of delay or incurrence of such loss.
35 Arbitration.
35.1 In the event of any dispute or difference between the parties hereto, such disputes or differences shall be resolved amicably by mutual consultation. If such resolution is not possible, then the unresolved dispute or difference shall be
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referred to arbitration. The provisions of Arbitration and Conciliation Act, 1996 shall be applicable to the arbitration. The venue of such arbitration shall be at Thiruvananthapuram or any other place, as may be decided by the arbitrator appointed by the CMD of the Corporation. The language of arbitration proceedings shall be English. The arbitrator shall make a reasoned award (the “Award”), which shall be final and binding on the parties. The cost of the arbitration shall be borne by the bidder.
35.2 All cases / proceedings relating to any dispute or claim arising out of the tender shall be subject to the exclusive jurisdiction of the court at Thiruvananthapuram.
36 Schedule of events
36.1 Start date for issue of Tender Document -- 02/07/2014
36.2 Last date/time for receipt of offers 02.00 PM on 25/07/2014..
36.3 Date/time for opening of Cover – I (Technical bid) in the presence of representatives of the Bidder – 03.00 PM on 25/07/2014.
36.4 Date/time for opening of Cover – II (Commercial Bid) in the presence of representatives of the Bidder.-- 03.00 PM on 29/07/2014.
36.5 Place of opening - Head Office of KFC, Vellayambalam, Thiruvananthapuram.
Dy. General Manager(Systems)
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Annexure – I TECHNICAL BID
(INFORMATION SHEET – 1/ 3) 1. Name & Address of the Firm
Ph. No.
Fax no
Email id :
2. TAN: PAN: 3. Service Tax No:
4. Name & Address of contact officials
Ph. No.
Fax no
Email id : Ph. No.
Fax no
Email id : I declare that all the details furnished in the application are true and correct to the best of my knowledge and that in case of furnishing any false information or suppression of any material information would lead to rejection of application besides initiation of legal proceedings by the Corporation, if it deems fit. Signatures of authorized signatory: Name :
Designation :
Date:
Seal of Agency
[Copy of the authorization letter from the Chief Executive/Governing Board of the agency shall be enclosed.]
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TECHNICAL BID (INFORMATION SHEET - 2/3)
1. Experience /Projects Undertaken, if any, (please furnish details of three major clients and details of contact persons, for whom similar online application project in JAVA platform in Financial institution/Schedule Commercial Banks/NBFC in India). (1) Client:
Contact Person with Tel. No.
Project: (2) Client:
Contact Person with Tel. No.
Project: (3) Client:
Contact Person with Tel. No.
Project: 2. Expertise of the Proposed Development Team (please furnish details of staff members of the firm / other firms / consortiums possessing experience /expertise in providing similar solution). (1) Staff strength Managerial: Technical: Total: (2) Qualification-wise B.Tech/BE: Engg. Diploma: Other Specialists:
Grade-wise (Specify the Designation and Name of the Staff Members proposed for the Project) – additional sheets may be added if required Name & Designation Qualification Certifications Skill Areas
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TECHNICAL BID (INFORMATION SHEET - 3/3)
CHECK LIST. Sl No.
Description Yes/No Remarks
1 2 3 4 1 Enclosed DD for EMD for Rs.50,000/-
2 Technical Bid in the format Cover I
3 Commercial Bid in the format Cover II
4 Proof of PAN registration No:……………..
5 Proof of TAN registration No:……………..
6 Service tax details No:……………..
7 Are you registered IT SOFTWARE DEVELOPMENT COMPANY or a Government Agency or an Agency registered as private or public limited company having minimum experience of 3 years of software development jobs?
Attach certified copy.
8 Is your minimum total gross turnover at least Rs.100 lakhs each in last three years in software development or related activities?
Attach relevant proof.
9 Availability of service center in Thiruvananthapuram. (Give address with contact person and phone numbers and email in separate sheet) ?
Attach relevant proof.
10 Detailed business profile along with space and organizational structure showing details of professional, technical and other manpower with their qualifications and experience attached?
11 Evidence of having successfully undertaken similar online application project in JAVA platform in Financial institution/Schedule Commercial Banks/NBFC in India ?
Attach relevant proof.
12 Certificate of incorporation and also certificate of commencement of business in the case of Public Limited Company ?
Attach relevant proof.
13 Balance Sheet for FY 2010-11 copy enclosed
14 Balance Sheet for FY 2011-12 copy enclosed 15 Balance Sheet for FY 2012-13 copy enclosed
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16 Balance Sheet for FY 2013-14 (Audited/Provisional)
copy enclosed
17 Income Tax Return of the company for the last three years up to including assessment year 2012-2013
18 Have you ever been indicted in any legal issue? If yes, please specify.
19 Have you ever been disqualified by any public/ private sector company/ Government Department etc
20 ISO/CMM level certification
# Separate page may be added, if required.
I declare that all the details furnished in the application are true and correct to the best of my knowledge and that in case of furnishing any false information or suppression of any material information would lead to rejection of application besides initiation of legal proceedings by the Corporation, if it deems fit. Signatures of authorized signatory: Name :
Designation :
Date:
Seal of Agency
[Copy of the authorization letter from the Chief Executive/Governing Board of the agency shall be enclosed.]
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ANNEXURE-II
Performa for Financial Bid
NAME OF AGENCY: ………………………………………………… …………………
COMPLETE ADDRESS: …………………………………………… …………………
… ………..……………………………………………………………… …………………
E-mail: ……………. ……………………… Web : ………………… ……………………
Tel: ……………………….. Fax: …………………….. Mobile: …………………………
JOB Quoted Rates (Amt. in Rs.)
Work as per the PART I – Requirement Specification *
Amount in Words :
* This amount is only considered for the finalization of the project
Other Work Quoted Rates (Amt. in Rs.)
Amount in words
Warranty for 6 months
AMC for 1 year
Per man hourly rate for further updates after the warranty period is Rs.:………………… (in words:.. …………… ………………………………………….. ………………………….)
(Per man week is considered as 6 days) I declare that all the details furnished in the application are true and correct to the best of my knowledge and that in case of furnishing any false information or suppression of any material information would lead to rejection of application besides initiation of legal proceedings by the Corporation, if it deems fit. Signatures of authorized signatory: Name :
Designation :
Date:
Seal of Agency
[Copy of the authorization letter from the Chief Executive/Governing Board of the agency shall be enclosed.] (with Financial Bid – in companies letter head)
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To, The Chairman & Managing Director Kerala Financial Corporation Vellayambalam, Thiruvananthapuram – 695033 Ph: 0471-2318319.
Dear Sir,
With reference to the Development & Implementation of KFC’s Online Loan Application, we underwrite / give firm commitment to complete the project as per the
requirement in Part-I of this tender document with in the period specified on the terms
and conditions mentioned in your notice inviting tender no:KFC/SYS/06/2014-15 dated
02/07/2014. We agree that the above price have been quoted after reading and
understanding the complete tender documents.
We understand that in the event of our failure to honour our commitment or
contractual obligations, we shall besides forfeiting our EMD/Security Deposit (Rs. 50,000/-), will also be liable for other penal (both civil and criminal) actions and for
compensation to KFC of any loss as may be computed by KFC at its sole discretion.
Thanking You,
Yours faithfully,
(Authorised Signatory, Name and Designation) Signature with Seal [Copy of the authorization letter from the Chief Executive/Governing Board of the agency shall be enclosed]
1
ANNEXUTE III KERALA FINANCIAL CORPORATION
(Incorporated under the state Financial Corporation Act No. LXIII of 1951) VELLAYAMBALAM, TTHIRUVANANTHAPURAM – 695033
Phone : 0471-2737500, 2318319 Fax: Email : [email protected] Website : www.kfc.org
Office Use: Branch Reg.No .: Loan No.: Date : Amount applied for Rs. Loan For Concern Individual Scheme Industry Type Manufacturing/CRE/Hospital/Hotel/Services/Film & Serial/Contractor loan/others Micro Small Medium Large Industry Code This application form contains eight parts, fill the relevant section only; PART A,G & H is common for all schemes. PART A – GENERAL (Common to all loans); PART B – FOR TERM LOAN/ MODERNIZATION/ EXPANSION PART C – FOR REVOLVING FUND LOAN/SPECIAL RFL ; PART D – FOR TRANSPORT SECTOR LOAN; PART E – FOR CIVIL CONTRACTORS LOAN PART F – FOR SHORT TERM LOAN PART G – OTHER DETAILS (Common to all loans); PART H – BIODATA (Should submit separate sheets for all Promoters/co-obligants)
I. PART A - GENERAL 1. Name of the Unit Unit Name
2. Name of the Chief Promoter Promoter Name
3. Correspondence Address Address State
Post Pin
Phone (Office) Phone (Res.) Mobile Fax Email
4. Reg.Office Address Address State
Post Pin
Phone Fax 5. Factory/Unit Address Address State
Post Pin
Phone Fax
2
6. Constitution Limited Company Partnership Firm Sole Proprietary Co-operative Society
Society Trust Limited Liability Partnership
Co-owner Corporations
7. Type of Industry (Sector) (Please put the tick mark)
1. Hotel 7. Metal Crusher 2. Medical & health 8. Transport 3. General Engineering 9. Construction 4. Paper Products 10. IT & ITES 5. Printing 11. Other (specify) 6. Tourism ______________________
8. Nature of Unit Existing New 9. Line of activity : _________________________________________________ 10. EM PART I Regn.No : ____________________________________ Date: d d m m y y y y
11. EM PART II Regn.No. : __________________________________ Date: d d m m y y y y 12. Date of Commercial production d d m m y y y y 13. Loan Required
Rs. in lakhs Sl.No. Brief details of the purpose of availing the loan Amount
Required
TOTAL In Words
14. Repayment period required (in months) 15. Comments, if any :
3
II. PART B - APPLICATION FOR TERM LOAN/ MODERNISATION/ EXPANSION
PROJECT DETAILS
1. Brief note on the project :
2. Land Details i) Freehold / Leasehold : ii) Date of purchase/lease : iii) Nature of land : Industrial/ Other iv) Extent of land : v) Cost of land : Briefly describe the suitability of land for the proposed project
3. Building (Approved plan and detailed estimate to be furnished) Sl. No.
Description Type RCC/ AC/ Others
Plinth Area
Rate (Rs.) Cost
Date of approval of building plan :
4. Plant and machinery/equipments : Cost(Rs) (List with competitive quotations to be furnished)
Sl. No. Description Cost
5. Other Fixed Assets : (Quotation to be furnished)
Sl. No. Description Cost
6. Infrastructure Facilities Source Requirement Annual Charge Power Water Other
4
7. Effluent treatment facilities required (If any permission required :
Certificate to be furnished)
8. Quality control equipments required (if any standard followed
Particulars to be furnished)
9. Details of preliminary and preoperative expenses
Sl. No. Description Amount 1. Company incorporation expenses
2. Cost of project report
3. Salary during construction period
4. Interest during construction period
5. Others (specify)
10. Raw materials/Consumables(100% capacity utilization/single shift basis)
Sl.No: Items Source Quantity Rate Amount (Rs. In lakhs)
11. Product-mix/income from services(100% capacity utilization/single shift basis)
Sl.No. Particulars Quantity/nos. Rate Amount (Rs. In lakhs)
Total
12. Marketing Arrangements :
5
13. Working capital Total Requirement(Rs.in lakhs) Sources
14. Time required for the completion of the project(Weeks/months)
15. Cost of project (Rs. In lakhs)
Particulars Incurred To be incurred
Total (Rs.in lakhs)
Land Land Development Building & other civil works Plant & Machinery Electrification Erection Charges Equipments Miscellaneous Fixed Assets Provision for contingencies Prel. And pre-op. Expenses Margin Money/Initial Working Capital(*)
Total (*) for SWS total working capital requirement may be indicated
16. Means of Finance (Rs. In Lakhs)
Promoters capital Term Loan Others
17. Source of Raising Promoters Contribution
III. PART – C : APPLICATION FOR REVOLVING FUND/ SPECIAL REVOLVING FUND ( Applicable for existing customers only) 1. Loan Purpose Renewal of Bar License Working Capital Both
2. Year of commencement of production/function
Annual turn over/production in rupee terms
Annual requirement of raw materials consumables
3. Total loan available from the Corporation
Present total balance O/s with corporation
Any arrears/dues
4. Amount of Revolving Fund Required : Rs. ___________________________________ 5. Purpose / Details :
6
IV. PART – D : APPLICATION FOR TRANSPORT LOAN (Quotation to be furnished) 1. Loan Purpose Purchase of New Vehicle 2. VEHICLE DETAILS
Sl.No. Particulars Vehicle Body 1 Category 2 Type 3 Manufacturer 4 Make 5 Model 6 Supplier
(Name & Address with Contact details)
3. COST DETAILS
Sl.No. Particulars Vehicle (Rs.) 1 Cost ( Vehicle ) 2 Cost ( Body ) 3 Insurance 4 Accessories 5 Road tax 6 Others :________________ TOTAL GRAND TOTAL
4. Means of Finance (Rs. In Lakhs)
Promoters capital Term Loan Others
PART – E : APPLICATION FOR CIVIL CONTRACTOR LOAN ( Copy of Work Agreement and Sanction Order to be furnished)
A) Category of Contractor : A / B / C.
B) Registration No.:_____________________
C) Number of contracts undertaken during the last three years :
D) Agreed P A C : Rs. _____________________/-
E) Contract Awarding Authority :
F) Location of the contract work :
G) Amount applied for : Rs.______________________/-
7
PART – F : APPLICATION FOR SHORT TERM LOAN ( Estimate for the proposed work to be furnished) A) Purpose of the Loan : B) Expected expenditure : C) Amount applied for :Rs.____________________/- D) Existing loan details :
Total loan availed from the Corporation
Present total balance O/s with corporation
Any arrears / dues
Total loan availed from other financial institutions
Present total balance O/s Any arrears / dues
E) Means of Finance (Rs. in Lakhs)
Promoters capital Term Loan Others
V. PART G - OTHER DETAILS
A. MANAGEMENT
1. Brief History/Company profile for Industry/Concern (If required, separate sheet may be attached) :
2. Proprietor /Director/Partners Details (Please enclose Biodata details of all partners in prorforma enclosed) Sl:No Name Proprietor / Director/
Partner etc Qualification/ Background
Experience
8
3. Shareholding pattern especially Director’s holdings. *
Name of shareholder/ partner No of Shares Total Share value Percentage Whether giving
personal guarantee
Total *Note : Please enclose additional Sheets if necessary
4. Details of Associate/Sister concern Sl.No.
Name & Address of the concern
Name of Promoter(s) Share holding % in the concern
Line of Activity
Financed by
5. Guarantors/ Co-obligants details (Please enclose Biodata details of all guarantors in prorforma enclosed) Sl. No
Name of the Guarantor/ Co-obligant Relationship with Promoter(S)
Networth (Rs. In lakhs)
B. FINANCIAL ASPECTS
1. Details of Loan availed from the Corporation Date of sanction
Amount Sanctioned
Amount Availed
Outstanding Over Dues, if any
Whether account is in standard category
2. Details of Team Loans/Working Capital Loans availed from other Financial Institutions/ Banks
Institution/ Bank Name
Date of sanction
Amount Sanctioned
Amount Availed
Outstanding Whether account is in standard category
3. Details of Bank Accounts of Company/firm
Name of Bank Type of account Account No.
9
4. Working results for the last 3years : Financial Year
Sales/ Turnover
Net Profit/ Loss Depreciation Cash Profit Income Tax
C. DETAILS OF PROPERTIES OFFERED AS SECURITY
a) Details of industrial land
Sl. No
Area in Ares
Description of Land (Extend, Survey number etc)
Village, Taluk & District
Freehold / Leasehold
Cost including Regn. (Rs. In lakhs)
Title Holder
b) Collateral Securities (Land) Sl. No.
Name of the Co-obligent/ Co-borrower /Owner
Details of property offered for CS Nature Value (Rs. In Lakhs) Extent Survey
number Village, Taluk & District
c) Collateral Securities (Building) Sl. No.
Name of the Co-obligent/Co-borrower
Building Number
Panchayath/ Corporation
Nature Value (Rs. In Lakhs)
d) Collateral Securities (Others : Machinery Equipments/Bonds/FD etc) Sl. No.
Name of the Co-obligent/Co-borrower
Type (Machinary Equipments/Bonds/FD etc.)
Details of property offered for CS
Value (Rs. In Lakhs)
5. Details of factory premises Owned Leased
6. Fin. Year upto which income tax assessment has been completed : ________________________
7. Details in respect of any statutory liability:
8. Statutory approvals if any required.
10
DECLARATION
I/we declare that all the particulars and information given in the application /annexure are true, accurate, complete and up to date in all respects and I/We have not withheld any information and same shall form the basis of the loan Kerala Financial Corporation may consider to me/us. Corporation is at liberty to take any such action as it may deem fit if my/our statements are found to be untrue.
I/We confirm that the funds will not be used for speculative/illegal or anti social purposes. I/We confirm that I/we had no insolvency proceedings against me/us nor have I/We ever been adjudicated insolvent.
I/We agree that my/our loan shall be governed by the rules of Kerala Financial Corporation, which may be in force from time to time. Kerala Financial Corporation reserves the right to reject the loan application without providing any reason.
I/We authorize Kerala Financial Corporation or its agents to make references and enquiries relative to the information in the application which Kerala Financial Corporation consider necessary.
I/We undertake to inform Kerala Financial Corporation regarding change in my/our residence/employment and to provide any further information that the Corporation may require.
I/we understand that certain particulars given by me/us are required by the operational guidelines governing SFCs.
I/we authorize Kerala Financial Corporation to exchange, share, or part with all the information relating to my/our loan details/repayment history / information to other branches / Banks / Financial Institutions / RBI / CIBIL / Credit Bureau / Agencies / Statutory Bodies as may be required and shall not hold Kerala Financial Corporation or/& its agents liable for use of this information. Kerala Financial Corporation reserves the right to retain the photographs & documents submitted with this application and will not return the same to the applicant/s.
I/We confirm that I/We have not defaulted in repayment of loan taken from Kerala Financial Corporation /other banks.
Place : Date :
Name and Signature of Applicant/Partners/Managing Director/Authorised Signatory
Name and signature of the co-obligant(s)
11
PART H – BIODATA SHEET (Please enclose separate biodata of all Promoters & co-obligants; Please ensure that all mandatory fields have been filled correctly else the form is liable to be rejected)
1. Name of the Promoter/Co-Obligant/Third Party Guarantor Full Name
Father’s Name Mother’s Name Spouse’s Name
2. Date of Birth d d m m y y y y Gender M/F Marital Status M/U/W 3. Permanent Address House/Flat Name/No. Road Village State
Post Pin
4. Present/Correspondence Address House/Flat Name/No. Road Village State
Post Pin
Phone (Office) Phone (Res.) Mobile Fax Email
5. Customer Identification Procedure (KYC) Photo/Address Id Proof (minimum two ids are mandatory for Photo & Address each, copy of the documents should be attached) 1. ADDAAR Number 2. PAN Number 3. Passport Number 4. Voter’s Identity Number 5. Other __________________ Permanent Address Id Proof (If any change in present address please submit any utility bills like Telephone/Electricity bill/Gas Connection bill etc.) 1. Ration Card Number 2. Other __________________
6. Category (for statistical purpose): SC ST OBC GEN Other_____________
7. Qualification: Matriculation Graduation Post-Graduation Professional Other_____________
Please Specify : _____________________________
8. Profession : Govt. PSU Private Salary/Month : Rs. ______________/-
Photo of Promoter/ co-
obligants Proprietor/borrower Partner Promoter Director Co-obligant/Co-borrower
12
Details of job held : ________________________________________ ____________________
9. Experience including present occupation
Sl:No Name of the Firm & Address Designation Period of Service Nature of Work From To
10. Income-Tax Assesse? Yes No
If Yes, please submit copy of IT returns with computation sheets for last 3 years
Sl:No Year Income Assessed Tax paid
11. Is there any civil or criminal proceedings pending against you? Yes No
If yes, give details: ________________________________________ ______________________
12. Have you ever availed any loan from KFC or any Bank? Yes No
If yes, give details Institution Name Term Loan Lease/HP Facility Working Capital Others
13. Are you aware of any loan taken by any of your close relatives from KFC? Yes No
If yes, give particulars Loan Number Name of the Unit Branch
14. Details of Industrial Experience :
Name of Organisation Post held Years of experience
15. Asset & Liability Details
Details of Assets Amount Details of Liabilities Amount
13
16. Details of Bank Account Sl.No. Account Number Bank Name & Branch Address
18. Credit Card Details Sl.No Card No. Bank Name
19. Is any of your relative(s) employed in the Corporation?. If yes, give particulars of the employee :
20. Stood as Guarantor/Surety for others? Yes No
21. Details of Guarantees Given :
22. Amount for which Surety Given :
23. Details of references
Sl.No Name of the Reference Address of the Reference Phone No.
I confirm that all the information furnished by me as above is true.
Date :
Please sign in black ink inside the box provided
below. Rolling Thump Impression of the applicant inside the box provided below
14
CERTIFICATE
Certified that Shri.Smt……………………………………………………………………………………………………
S/o;D/o;W/o………………………………………………………………………….. residing at (address) …………
……………………………….…………………………………………………………………………………………....
……………………………….…………………………………………………………………………………………....
in …………………………………….. P.O. in ………………………………………. Village in ……………………..
…………………………Thaluk in ………………………………………………………District, whose photograph is
affixed below is personally know to me and that he/she signed below which is attested by me.
Signature : Name : Designation : (of the attesting Gazetted Officer) and Seal
Signature of the applicant Signature attested : Signature : Name : Designation : (of the attesting Gazetted Officer) and Seal
(Office Seal)
Note : The Gazetted Officer should sign across the photograph and his seal should also be put on the photograph.
Passport size Photograph of the
applicant
The Gazetted Officer
should sign across the photograph and his seal should also be put
on the photograph.
15
(Form of affidavit for Co-obligants) (On Stamp Paper worth Rs. 50/-)
AFFIDAVIT FILED BEFORE THE MANAGING DIRECTOR,
KERALA FINANCIAL CORPORATION 1. I…………………………….………………………….……………….aged…………….… son/daughter/wife of ………………………………..residing at……………………………...house, …….…….…………..P.O…………...……….District do hereby make oath and affirm as follows: 2. That Shri./That M/s………….………(give name & place) residing at ……..………House ………………..P.O…………………..has applied to Kerala Financial Corporation for a term loan of Rs…………………(Rupees……….………………………only) for starting an Industry / Hotel / Shopping Complex / Hospital. I hereby express my willingness and readiness to be the Co-obligant for the said loan my mortgaging my properties mentioned below. I am fully aware that in case of default or non-repayment of the above said loan, K.F.C. will attach my properties for the realization of the loan amount with interest. 3. I own and possess ……………………Acres ………………..Cents ………………Squares links of landed property in Sy. No. ……………………………… in ……………………… Desom ………………Village…………….Taluk………………District by virtue of document No……… of …………………….of……………….Sub Registry Office. The present approximate value of the land / including the building thereon comes to Rs…………… (Rupees…………..…………only). The above said property / properties is / are free from encumbrances, attachment or charge or any kind. I have no other landed properties except that mentioned above.
OR I have no landed property of my name. 4. I have a share in my family property worth Rs………………….. owned by my father / mother in …………………………………….. Village.
OR I have no share in my family property. 5. I have a personal liability of Rs………………… by way of borrowing from friends and relatives.
OR I have no personal liability of any kind. 6. I do not own or possess any other fixed assets and I do not have any liabilities other than that mentioned above. 7. During the last five years I have had transactions with………………… (Give Banks name and Branch) having ……………………………… Account No……………….. 8. I / my firm M/s. (give name of the business concern) have / has availed a loan of Rs. ……………………………. from the said bank / KFC. (give the details or financial liability of loan availed if any). Its present Balance outstanding is Rs………………. I have not availed by loan from any bank or financial institution. 9. ………………………….. Bank / Banks has / have charge to the extend of Rs……….. over my
16
properties.
OR No Banks has any charge on any account over my properties. 10. Neither I nor my spouse nor any parents or children or brothers have ever been or is / are the proprietor or partners or any firm or shareholders holding more than 5% of the shares in or Directors of any limited company to which Kerala Financial Corporation have given loan. Other than the following concerns:- Name of the firm How interested 1. 2. 3. Etc. 11. I have not been convicted in any criminal case by any court in India or outside. There is no criminal case pending against me in any of the courts in India.
OR The details of the criminal cases registered/charged/convicted against me are given below.
Crime & CC No.
Name of Police Station
Name of the Court
Sections of offences
Present stage
1.
2.
If any cases are registered/charged against me, subsequent to the sanction of loan, I undertake to inform the Corporation about the same within 10 days of the incident. 12. I do not own or possess any land in excess of ceiling limit as prescribed by the Kerala Land Reforms Act as on 01-01-1970 and any time thereafter. 13. I am an income tax assesse. My income tax A/c No. is ………………………..
OR (b) I am not an income tax assesse. 14. I am a wealth tax assesse. My wealth Tax A/c. No. is …………………..
OR
I am not a wealth tax assesse. All the above facts are true and correct. Name : Signature : Literate deponent personally known to me has solemnly affirmed and signed before me on this the ……………………….. day of …………………….. 201…… at my office at …………………….
17
(Name and Signature & Seal of Advocate / Notary)
(Form of affidavit for Promoters) (On Stamp Paper worth Rs. 50/-)
AFFIDAVIT FILED BEFORE THE MANAGING DIRECTOR,
KERALA FINANCIAL CORPORATION 1. I…………………………….………………………….……………….aged…………….… son/daughter/wife of ………………………………..residing at……………………………...house, …….…….…………..P.O…………...……….District do hereby make oath and affirm as follows: 2. I am the Proprietor / Partner / Director of the Industrial Concern / Tourist Home / Hospital/ Shopping Complex viz., M/s. …………………………………………… (give name & place). 3. That I have applied / That M/s. ………………………………………. Of which I am a partner / Director has applied / to Kerala Financial Corporation for a loan of Rs. …………….. (Rupees ……………………………………………… only) for the above said purpose. 4. The proposed industrial land of …………………….. cents in Sy. No. ………………… in …………………………… Desom in ………………………… Village ……………………… Taluk in ……………………………. District is owned by ………………………….
OR There is no industrial land in this case / the unit / project is in a rented building No. ……………………… of ……………………….. Corporation/Municipality/Panchayath 5. I own and possess ……………….. Acres ……………… Cents …………….. Squares links of landed property in Sy. No. ……………..………. in ………………………….. Desom ………………………Village ………………………Taluk………………………..District by virtue of document No……………….. of ………………………….. of ……………………… Sub Registry Office. The present approximate value of the land / including the building thereon comes to Rs. …………….. (Rupees …………………………………………. Only). The above said property / properties is / are free from encumbrances, attachment or charge or any kind. I have no other landed properties except that mentioned above.
OR I have no landed property of my own. 6. I have a share in my family property worth Rs………………….. owned by my father / mother in …………………………………….. Village.
OR I have no share in my family property. 7. I have a personal liability of Rs………………… by way of borrowing from friends and relatives.
OR I have no personal liability of any kind. 8. I do not own or possess any other fixed assets and I do not have any liabilities other than that mentioned above. 9. During the last five years I have had transactions with………………… (Give Banks name and Branch) having ……………………………… Account No………………..
18
10. I / my firm M/s. (give name of the unit) have / has availed a loan of Rs. ……………………………. from the said bank or KFC. Its present Balance outstanding is Rs………………. I have not availed by loan from any bank or financial institution. 11. ………………………….. Bank / Banks has / have charge to the extend of Rs……….. over my properties.
OR No Banks has any charge on any account over my properties. 12. Neither my spouse nor any parents or children or brothers have ever been or is / are the proprietor or partners or any firm or shareholders holding more than 5% of the shares in or Directors of any limited company to which Kerala Financial Corporation have given loan. Other than the following concerns:- Name of the firm How interested 1. 2. 3. Etc. 13. I have not been convicted in any criminal case by any court in India or outside. There is no criminal case pending against me in any of the courts in India.
OR The details of the criminal cases registered/charged/convicted against me are given below.
Crime & CC No.
Name of Police Station
Name of the Court
Sections of offences
Present stage
1.
2.
If any cases are registered / charged against me, subsequent to the sanction of loan, I undertake to inform the Corporation about the same within 10 days of the incident. 14. I do not own or possess any land in excess of ceiling limit as prescribed by the Kerala Land Reforms Act as on 01-01-1970 and any time thereafter. 15. I am an income tax assesse. My income tax A/c No. is ………………………..
OR (b) I am not an income tax assesse. 16. I am a wealth tax assesse. My wealth Tax A/c. No. is …………………..
OR I am not a wealth tax assesse.
All the above facts are true and correct. Name : Signature : Literate deponent personally known to me has solemnly affirmed and signed before me on this the ……………………….. day of …………………….. 201…… at my office at …………………….
19
(Name and Signature & Seal of Advocate / Notary)
CHECKLIST FOR LOAN PROPOSAL
Sl. No.
Particulars (Please tick the list) Enclosed Not
enclosed
Will be submitted
later
Not applicable
A. GENERAL 1 KFC loan application form duly filled in all
respect (Two Nos.
2 A detailed bio-data of each of the promoters and co-obligants attested by a Gazetted Officer/Notary Public in the format enclosed (two copies each).
3 Signature and photographs of the promoters and co-obligants attested by a Gazetted Officer/Notary Public in the format enclosed (two copies each)
4 Affidavit on stamp paper worth Rs. 100/- showing all personal assets and liabilities of all the promoters and co-obligants in the prescribed format (enclosed) duly attested by any advocate (original + one copy each).
5 Two photostat copies of EM Part I/Part II or related document.
6 Copies of IT returns filed by the promoter / co-obligant for the last 3 years (two copy each).
7 Sanction letter/feasibility certificate from KSEB regarding the required quantity of power and estimated cost of power connection including contribution to KSEB (Two copies).
8 Last three year's audited balance sheet and profit and loss account of the unit and other all existing concerns of promoters, if any (two copies).
9 Letter addressed to bank with whom the promoters are associated, authorizing KFC to obtain confidential information about the promoter from the bank (two copies).
10 Letter from bank regarding working capital availability (original + one copy)
11 Competitive quotations and catalogues for all machinery/equipments/furniture etc. from three reputed manufacturers/suppliers (two copies each)
12 Vehicle/Chassis body quotation from the supplier (two copies each)
13 Copies of plan and detailed estimate of project building (industrial building/ Commercial complex/Hotel Building/Resort/ Godown etc.)
14 Permission/approval, if any required from local bodies for construction of the above said building (two copies)
15 License from local bodies for starting and running the unit (two copies)
16 Project report regarding the proposed project/Scheme/Line of activity.
17 Two copy of Electoral Identity Card/ Aadhar/Driving License/Ration Card/ Passport of promoter and co-obligants
20
18 Attested PAN card of promoter and co-obligants
19 NOC from Fire Department 20 NOC from Airport Authority of India 21 Explosive License 22 Forest Clearance 23 Quarrying permit from Mining
Department
24 License for import of machinery 25 Coastal Regulation Zone clearance 26 For Star Hotels approval from Tourism
Department
27 NOC from Health Department
B. DOCUMENTS REGARDING INDUSTRIAL LAND/COLLATERAL SECURITY
1 Latest land tax receipt from Village Office (Original + Two copies)
2 Encumbrance certificate for a period of 15 years prior to the date of application or from the date of present title deed whichever is longer from the Sub Registry Office (Original + two copies.)
3 Copies of each of the release documents if any, noted in the encumbrance certificate (original + two copies)
4 Possession and non-attachment certificate from the Village Officer/Tahsildar in the form attached herewith (Original + Two copies)
5 55
Adangal extract or certified copy of Thandapper Account of the land from the Village Officer or other Revenue Authorities (Original + Two copies)
6 Certified copy of the survey plan from the Village Officer with side measurements and all boundary details including boundary Sy. Nos. of all boundaries (Original + Two copies)
(OR) A location plan or location sketch with location certificate of the site showing access from main road showing details of private roads, existing structure, names of owner of the neighbouring land with boundary, survey No. and boundary measurements etc. from Village Office (Original + Two copies)
7 Attested photostat copies of all pages of the original title deeds (Two copies)
8 Attested photostat copies of the prior (munnadharam or Adiyadharam) title deed (two copies)
9 Building tax receipt from Panchayath/ Municipality/Corporation (Original + Two copies)
C. FOR UNITS IN RENTED / LEASED PREMISES OR IN DEVELOPMENT PLOTS AREAS
1 If the land and building is rented/leased, two photostat copies of the rent/lease agreement on stamp paper worth Rs. 100.00 in the prescribed format (Draft rent/ lease agreement should be got approved
21
from KFC)
2 All papers of the plot or shed allotted by DIC or KINFRA (two copy each)
D. PARTNERSHIP FIRMS 1 Partnership deed (two copy) 2 Acknowledgement of firm registration
(original + one copy)
3 Certified extract of the entries in the Register of firms from the Registrar of firm (original + one copy)
E. COMPANY 1 Memorandum of Association (two copies) 2 Articles of Association (two copies) 3 Certificate of incorporation – From registrar
of companies
4 Search Report (two copies) showing details of directors, charge, capital etc.
5 Resolution empowering Managing Director to take loans from KFC (two copies)
F. CO-OPERATIVE SOCIETY 1 Bye-law 2 Certificate of Registration 3 Certified copy of the minutes/Resolution of
the General Body authorizing to borrow money from the Corporation.
4 List of office bearers and governing body members.
G. TRUST 1 Trust Deed 2 Bye-law/Constitution (if any) 3 Certified copy of General Body Minutes or
Resolution authorizing settler/office bearers to borrow money from the Corporation
4 Certified list of Settler/Trustee/Governing body members
5 Registration Certificate (if any)
H. FOR CONTRACTOR LOANS 1 Copy of registration as approved contractor
with Government
2 Copy of the award of contract 3 Irrevocable Power of Attorney in favour of
KFC to receive the bill amount directly from the work issuing authority.
4 Details of contracts undertaken during the past three years including details of contracts presently under execution.
I. FOR FILMS/SERIAL LOANS 1 Certificate of Registration of the Title of firm 2 Agreement for satellite right/Audio/Video/
CD/Music/Overseas rights
3 Agreement for distribution of films 4 NOC from Lab agreeing to release the film
only with the consent of the Corporation.
5 Consent letter from leading actors/ Director / Cameraman etc. to work in the project.
6 Full details of the project like story, lyrics, cost of projects etc.
22
GENERAL CONDITIONS
1
Application and related documents are to be submitted along with a covering letter 2 Application will not be accepted without all required papers. 3 Project report is required only for loans above Rs. 30 lakhs. 4 Land offered must have original title deed and road access. 5 The draft Power of Attorney if any should be got approved from KFC before its registration. 6 Any other paper/document required for scrutiny of loan applications/legal documents also to be
produced. 7 All photocopies of documents have to be attested.
For any queries please mail your concern to [email protected]
1
KERALA STATE SELF ENTREPERNEUR DEVELOPMENT MISSION
APPLICATION FOR FINANCIAL ASSISTANCE
(To be downloaded, filled up completely and submitted to the local Branch of
Kerala Financial Corporation for forwarding to the Financing Agencies for further processing)
(The format can be edited to suit the requirement in terms of space. But in no case is any of the items be deleted or modified)
A Introductory Details of the Project
1 Name of the Enterprise
2 Full Postal Address of the Enterprise
3 Full Postal Address of Registered / Administrative Office
4
Name of Local Body (Panchayat, Municipality, Corporation) and District of Location of Enterprise
4
Constitution of the Promoting Entity, Details of Registration / Incorporation and List of Promoters
5 Activity Proposed
6 Additional Employment Likely to be Generated
2
B Land (Give a brief description of the land, its location in terms of survey number, village, block, taluk, district, accessibility to transport facilities, distance from nearest highways / junctions, distance from nearest railway stations, bus stands and airports, ownership of land, document details including value indicated in it, basis on which the promoters are using the same, details of supporting documents, market value assessed, etc. Give a sketch showing the location of the land viz-a-viz identifiable nearby locations like main roads, junctions, etc.) C Building and Civil Structures
Sl. No.
Particulars of Civil Structures indicating type of construction, roofing, new / existing, owned or
leased Plinth Area Estimated
Cost
Total (Justify the requirements of the type of building, area and cost suggested above. If the building is leased / rented, the details of ownership and lease / rental conditions to be indicated.) D Plant & Machinery, Equipment and Other Fixed Assets Sl. No.
Particulars of Plant & Machinery, Equipment and Other Fixed Assets
Source from Where Proposed to be Acquired
Estimated Cost
Total (Specify the critical machinery which determines the capacity of the unit, the justification for the capacity of other assets and justification for selection of a selected supplier for the major fixed assets. Also state the time
3
of delivery of the major assets. In case of need for technical collaboration and appointment of specially trained manpower for operating any of the above, the same has to be indicated) E Marketing of Products (Explain the market, scope and proposed marketing strategy / network for the proposed product / service. Also specify any marketing discounts required to be provided and confirm whether the price indicated in the ‘Operational Capabilities’ account for these.) F Working Capital Requirements Sl. No.
Nature of Requirement like raw material, finished goods, etc.
Average Period of Holding
Estimated Investment in Working Capital
G Cost of Project Sl. No. Particulars of Components Amount Already
Incurred Amount to be
Incurred Total
1 Land 2 Land Development 3 Contingency 4 Building & Civil Structures 5 Contingency
6 Plant & Machinery, Equipment
7 Contingency 8 Other Assets 9 Margin Money for WC
10 Preliminary & Pre-operative Expenses
Total H Means of Finance Sl. No. Source of Finance Amount Percentage of
Total 1 Loan Under KSSEDM 2 Own Funds 3 Other Sources ( Specify) Total
(State very clearly the means of generating the required promoters contribution and likelihood of arranging the sources, other than loan from financial institutions) I Effluent Disposal (State details of effluents generated as a result of the process and state methods of its disposal / treatment to non-harmful nature)
4
J Progress with Regard to Statutory Clearances / Licenses / Permissions / Registration
Sl. No.
Particulars of Statutory Clearance / License /
Permission /Registration Issuing Agency Current Status
K Schedule of Implementation Sl. No. Activity in the Implementation Process Period of Execution of
Activity (From / To Dates)
(State the likely date on which the enterprise is likely to start commercial operation. L Details of Additional Guarantees a Collateral Security (Give a brief description of the land, its extent in hectares/ares, location in terms of survey number, village, block, taluk, district, accessibility to transport facilities, distance from nearest highways / junctions, ownership of land, document details including value indicated in it, reason behind the offer of collateral security of persons other than promoters and their relationship with members of the promoter group, details of supporting documents, market value assessed, etc. Give a sketch showing the location of the land viz-a-viz identifiable nearby locations like main roads, junctions, etc.) b Guarantee of Solvent Sureties Sl. No. Name of Surety Relationship with Member of
Promoter Group Net Worth
c Payment of Credit Guarantee Fee (Depending on the amount of financial assistance applied for estimate the credit guarantee fee payable initially and in succeeding years. State whether the promoters are willing to make remittances of guarantee from own funds.)
5
J Financial Parameters On the basis of the financial analysis, the total income, operating profit, income tax and net profit for the first three years of operation given below:
Particulars 1st year 2nd year 3rd year Sales/Income Expenses Operating profit Income Tax Net Profit Depreciation Cash Profit
The Financial Parameters are tabulated below:
Sl No Ratio Ratios in the Proposal
(a) DER
(b) Projected DSCR
(c) Promoters Contribution
(d) BEP at installed capacity
(e) Pay back Period
(f) IRR before tax
(g) IRR after tax
(h) Asset Coverage ratio
(i) Debt ratio for the firm = Total Debt / Total Assets (Capital Employed)
(j) Return on investment (last next 3 year)
(k) Net Profit to sales (projected for term loan) Attach Cash Flow Statement, Projected Balance Sheet and Profit & Loss Account K Declaration I/We do hereby declare that the information given above and the statements and other papers enclosed are to the best of my/our knowledge and belief true and correct and that I am / We are ready to comply with all the conditions and formalities required by Kerala Financial Corporation, the nodal agency, and the Financial Agency considering our proposal for providing financial assistance. L Signature of All Members of the Promoter Group All the members of the promoter group have to sign here giving their full name and position in the group (Proprietor/Managing Partner/Partner, etc.) M Signature of Guarantors and Owners of Collateral Properties, other than the Members of the Promoter Group above Sign here giving their full name and complete address
6
KERALA STATE SELF ENTREPRENUER DEVELOPMENT MISSION
BIO DATA OF PROMOTERS
(Separate Sheet for Each Promoter)
1 Full Name (With Initial Expanded)
2 Father’s Name in Full
3 Mother’s Name in Full
4 Sex
5 Marital Status
6 Husband’s / Wife’s Name in Full
7 Name of the Proposed Enterprise under KSSEDM
8 Local Body in which the Enterprise is Proposed
9 Position in the Enterprise
10 Mobile Telephone Number
11 Qualification
12 Managerial & Technical Competence
13
Item of Proof of Identity Issuing Authority Date of Issue Date of Validity
14 Date of Birth Date Month Year
15 Place of Birth
Place
Village
District
State
Post Office
PIN Code
7
16 Permanent Address
House No
House Name
Road / Street
Location
Post
PIN Code
Village
Local Body
Police Station Landline Number with STD code
17 Present Address
House No
House Name
Road / Street
Location
Post
PIN Code
Village
Local Body
Police Station Landline Number with STD code
18 Details of Training under KSSEDM
Name of Institute and Location
Period of Training
Certified as Excellent / V Good / Good
Date of Certificate
19 Details of Personal Assets
20 Details of Personal Liabilities
21 Details of Personal Accounts with Commercial Banks
22 Details of Civil / Criminal Proceedings Pending, if any
8
23
Names and Full Correspondence Address of Two References, who are not Relatives
Declaration
1. I do hereby declare that the Information given above and all statements and other papers enclosed are to the best of my knowledge and belief true and correct.
2. I have not a promoter in any other enterprise under the Mission. 3. I am a first line entrepreneur and have not been associated as promoter with any
other enterprise / venture. 4. I have not availed any concessional finance / grant from any Central / State
Government or its agencies for any venture before. 5. I am presently unemployed.
Signature
Thumb Impression (LTI Male / RTI Female)
Passport Size Photograph
1
KERALA STATE ENTREPRENEUR DEVELOPMENT MISSION
APPLICATION FOR FINANCIAL ASSISTANCE FOR IT BASED PROJECTS
(To be downloaded, filled up completely and submitted to the local Branch of Kerala Financial Corporation for forwarding to the Financing Agencies for further processing)
(The format can be edited to suit the requirement in terms of space. But in no case is any of the items be deleted or modified)
A Introductory Details of the Project
1 Name of the Enterprise
2 Full Postal Address of the Enterprise (Including phone numbers, email ids, website, etc.)
3 Full Postal Address of Registered / Administrative Office
4
Constitution of the Promoting Entity, Details of Registration / Incorporation
5 List of Promoters
6 Date of Founding and Present Stage of Operation
2
7. Description of Enterprise in 3-4 Sentences
B Location of the Enterprise and Infrastructure Description of the Location (Bldg No., Bldg Name, Floor, Street, Place, etc.)
Local Body (Panchayath, Municipality, Corporation)
District
Extent of Premises Available
Ownership of the Premises
Availability of Connectivity on a Regular Basis
Type of Connectivity Available Leased / Broadband, etc
Availability of Regular and Adequate Supply of Electricity
Transport Connectivity (Distance to nearest Public Bus Stop, Railway Station and Airport)
Terms of Lease (Period, Cost, etc.)
Facilities Provided by the Lesser (Interior Work, Furniture, Equipment, Connectivity, etc.)
Additional Facilities to be Created by Lessee
C Personnel and Management (Other Than Promoters)
(Add More Columns, if Required)
Personnel I Personnel II
Name of Identified Person
Qualification (Indicate Name of the Institution)
3
Recognition Received from Reputed Organisations for Related Works
Previous Experience (Indicate Period of Experience & Organisation Name)
Products Developed in the Past
Success of those Products
Unique Knowledge, skills or resources he or she brings to the enterprise
Period of Contract Monthly Salary Proposed D Development and Marketing of Products
(Add More Columns, if Required)
Particulars Product I Product II
Products Proposed to be Developed / Marketed
Nature of Product (One Time / Common Software / Online Product)
State of Development
Uniqueness of the Product viz-a-viz Available Products
Platform Used
Technology Used
Target Market (Indicate Local / Foreign)
Strategy for Reaching Out to the Target Market
Service Strategy
Branding Strategy
Strategy to Prevent Entry of Similar Products
Likely Date of Launch / Supply of Version 1
Annual Sales Realisation / Income in Rs Lakhs
I Yr II Yr III Yr IV Yr V Yr I Yr II Yr III Yr IV Yr V Yr
Expenses in Rs Lakhs Employee Expenses Servicing Charges Lease Rentals Including electricity, connectivity, etc.
4
Travel Expenses Others Specify Total Expenses Working Capital Requirements (Each Year of Operation)
Maximum Working Capital Requirement (Overall)
E Cost of the Project (Creation of Infrastructure and Working Capital)
(All Amounts in Rs Lakhs)
Particulars (List out each item separately)
Amount Invested
To be Invested
Total
Additional Civil Works Repairs, Flooring, Ceiling, Electric Wiring, etc.
Furnishing Interior Decoration, Tables, Chairs, etc.
Equiping Computers, Invertors, Servers, Airconditioning etc.
Additional Software Cost Technical Knowhow Cost Others Specify
Working Capital Requirement (Maximum Working Capital As Derived from Development & Marketing of Products)
Total F Means of Finance
Source of Finance Amount (In Rs Lakhs)
Percentage of Total
Loan Under KSSEDM Own Funds Assistance Received from Other Promotional Agencies Like Seed Capital Assistance Received from Government / Other Promotional Agencies Other Sources (Specify the Source) Total G Progress with Regard to Statutory Clearances / Licenses / Permissions / Registration
Sl. No.
Particulars of Statutory Clearance / License /
Permission /Registration Issuing Agency Current Status
Trade Mark Registration Export / Import Foreign Exchange
H Details of Additional Guarantees
5
a Collateral Security (Give a brief description of the land, its extent in hectares/ares, location in terms of survey number, village, block, taluk, district, accessibility to transport facilities, distance from nearest highways / junctions, ownership of land, document details including value indicated in it, reason behind the offer of collateral security of persons other than promoters and their relationship with members of the promoter group, details of supporting documents, market value assessed, etc. Give a sketch showing the location of the land viz-a-viz identifiable nearby locations like main roads, junctions, etc.) b Guarantee of Solvent Sureties Sl. No.
Name of Surety Relationship with Member of
Promoter Group Net Worth
c Payment of Credit Guarantee Fee (Depending on the amount of financial assistance applied for estimate the credit guarantee fee payable initially and in succeeding years. State whether the promoters are willing to make remittances of guarantee from own funds.) I Financial Parameters On the basis of the financial analysis, the total income, operating profit, income tax and net profit for the first three years of operation given below:
Particulars 1st year 2nd year 3rd year Sales/Income Expenses Operating profit Income Tax Net Profit Depreciation Cash Profit
The Financial Parameters are tabulated below:
Sl No Ratio Ratios in the Proposal
(a) DER
(b) Projected DSCR
(c) Promoters Contribution
(d) BEP at installed capacity
(e) Pay back Period
(f) IRR before tax
(g) IRR after tax
(h) Asset Coverage ratio
6
(i) Debt ratio for the firm = Total Debt / Total Assets (Capital Employed)
(j) Return on investment (last next 3 year)
(k) Net Profit to sales (projected for term loan) Attach Cash Flow Statement, Projected Balance Sheet and Profit & Loss Account K Declaration I/We do hereby declare that the information given above and the statements and other papers enclosed are to the best of my/our knowledge and belief true and correct and that I am / We are ready to comply with all the conditions and formalities required by Kerala Financial Corporation, the nodal agency, and the Financial Agency considering our proposal for providing financial assistance. Signature & Name of Promoter Signature & Name of Promoter Signature & Name of Promoter Signature & Name of Promoter Designation in the Firm Designation in the Firm Designation in the Firm Designation in the Firm
Signature & Name of Guarantor Signature & Name of Guarantor Position Currently Held Position Currently Held Full Postal Address Full Postal Address
7
KERALA STATE ENTREPRENUER DEVELOPMENT MISSION
BIO DATA OF PROMOTERS (Separate Sheet for Each Promoter)
1 Full Name (With Initial Expanded)
2 Father’s Name in Full
3 Mother’s Name in Full
4 Sex
5 Marital Status
6 Husband’s / Wife’s Name in Full
7 Name of the Proposed Enterprise under KSSEDM
8 Position in the Enterprise
9 Role in the Organisation (Managerial / Technical)
10 Mobile Telephone Number
11 Qualification
12
Managerial & Technical Competence in Proposed Areas of Operation (If Role is Managerial, State Experience in Operating / Managing Similar Ventures) (If Role is Technical, State Recognition Received from Reputed Organisations for Related Works, Previous Experience (Indicate Period of Experience & Organisation Name), Products Developed in the Past, Success of those Products, etc.
13
Item of Proof of Identity Issuing Authority Date of Issue Date of Validity
8
14 Date of Birth Date Month Year
15 Place of Birth
Place
Village
District
State
Post Office
PIN Code
16 Permanent Address
House No
House Name
Road / Street
Location
Post
PIN Code
Village
Local Body
Police Station
Landline Number with STD code
17 Present Address
House No
House Name
Road / Street
Location
Post
PIN Code
Village
Local Body
Police Station
Landline Number with STD code
18 Details of Training under KSSEDM
Name of Institute and Location
Period of Training
Certified as Excellent / V Good / Good
9
Date of Certificate
19 Details of Personal Assets
20 Details of Personal Liabilities
21 Details of Personal Accounts with Commercial Banks
22 Details of Civil / Criminal Proceedings Pending, if any
23 Names and Full Correspondence Address of Two References, who are not Relatives
Declaration
1. I do hereby declare that the Information given above and all statements and other papers enclosed are to the best of my knowledge and belief true and correct.
2. I have not a promoter in any other enterprise under the Mission. 3. I am a first line entrepreneur and have not been associated as promoter with any other enterprise /
venture. 4. I have not availed any concessional finance / grant from any Central / State Government or its
agencies for any venture before, other than those specified above. 5. I am presently unemployed.
Signature
Thumb Impression (LTI Male / RTI Female)
Passport Size Photograph
10
