Bank's Post-Disbursement Inspection: Key Details Revealed

Unit Inspection
Compiled by Spandane

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Unit Inspection
™Indirect tools:
¾QIS, Stock statement, market reports, Accounts, Operation in the account etc.
™Direct tools:
¾Unit Inspection, stock inspection etc.
What is Unit inspection?
™Unit inspection means ensuring that the unit to which the bank has lent its
funds is being run in a satisfactory manner.
™Its scope goes beyond stock statement scrutiny or even stock inspection.
™Unit inspection goes beyond arithmetical or physical correctness of the stocks.
™The scope of unit inspection covers ensuring whether there are orders on
hand, licenses are renewed and taxes & statutory dues have been paid in time
etc.
What is the Aim of Unit inspection?
™To ensure that the security charged to the Bank: -
¾Tallies with the statement.
¾Is adequate to cover the advance.
¾Is easily marketable at the value stated.
¾Proper inventory control is exercised to avoid excessive stock.
™The unit which is being inspected is: -
¾Run in a proper manner.
¾For the prescribed activities.
¾In a profitable way.
¾Observing all the stipulations of the business.
Modalities of unit inspection
™The person undertaking the inspection has to remember that he is
representing the Bank.
™Before the inspection

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™During the inspection
™After the inspection
Preparation before the inspection
™Studying of:
¾Stock statements
¾Annual accounts
¾Projections, QIS
¾Operations in the account
¾Correspondence with the party
¾TOD limits sanctioned during the year
¾Projections submitted at the time of availing of advance.
¾Scrutiny note
¾Comparison of projections with stock statement and annual accounts etc.
¾Whether documents are in force?
¾Whether any compliance is pending?
¾Insurance policy.
™To conduct analysis of variance during the inspection.
™To study whether the assumptions underlying the business plan were
appropriate.
™Compliance of terms of sanctions by the borrower.
™Whether any amount is overdue?
At the time for inspection
™Whether all licenses has been renewed?
™Whether all statutory payments have been made on due dates?
™ To confirm the proper upkeep of the various securities charged in favor of the
bank such as machinery, equipment, furniture & fixture, premises etc.
™In case of pledged goods, ensure that they are stored in godowns as per the
Bank’s requirement.
™Whether Bank’s hypothecation board has been displayed?
™Confirm the security arrangements at the premises, insurance, fire fighting
arrangements etc.
™Observe the working atmosphere in the unit.
™To verify stock register, Returns and other relevant records.

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™To verify order booking position. (UEOB-Unexecuted Order Book)
™To verify production records, ascertain capacity utilization.
™Verify level of stock holding at various stages. i.e. RM, WIP, FG.
™Whether stock of machinery spares is adequate?
After the inspection.
™As soon as the inspection is over, the representative should finalize the report
based on notes prepared before undertaking the inspection and observations
made at the site.
™All the positive and negative angles should be brought out in the Report
without fear or favor.
™The process of inspection should help in assessing the merits and weaknesses
of the unit, the deviations if any and justifications thereof.
™This will also help the Bank in knowing the risk factors in a particular finance,
and decide the credit rating.
Inspection Report
• Points to be covered:
• Borrower.
• Location.
• Loan O/S.
• Overdue.
• Classification.
• Position of security.
• Max. Permissible Bank Finance.
• Insurance.
• Licenses & other statutory payments.
• Inspection of stock-general points.
• Storage.
• Stock records.
• Verification of stocks.
• Inspection of Fixed Assets.
• Inspection of Premises.
Conclusion
™This handout aims to highlight some of the important points for conducting

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unit inspection.
™It is not possible to prepare a model guide of unit inspection due to complex
factors such as nature of business, industry norms & practices, quantum of
advance, relationship of the borrower with the bank etc.
™The performance of the borrowal unit is a major factor for the success of any
Bank and unit inspection is one of the tools to gauge the performance.
Inspection:
I: Identify
N: New / Old
S: Security
P: Permissions
E: Exhibit of bank’s name board
C: Condition
T: Installation
I: Insurance
O: Operation
N: Location

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Practical Tips for carrying out Inspection
Plant & Machinery
Sr. No.
1 Carry quotation, bill and installation report of equipment.
2 Verify machinery with reference to above. Confirm make, serial number,
Manufacturer and capacity.
3 Observe machinery condition & working.
4 Enquire about machinery spares, servicing, annual service contract etc.
5 Whether bank’s name board has been affixed / painted on the machinery?
6 Take photos of the equipment from front, rear & side.
7 Make sketch / layout of shop floor showing installation of various
equipments.
8 Enquire about machinery breakdown?
9 Whether machinery breakdown insurance has been taken?
10 Whether fire extinguishers have been installed near machinery?
11 In case of moving machinery, whether protective railing has been
installed?
Computer
Sr. No.
1 Carry quotation, bill and installation report of computers system.
2 Verify monitors, key- boards, modems, CPU with reference to above.
3 Observe the atmosphere of the location. Is it dust free? Is it clean?
4 Whether computers are in working condition?
5 Enquire about servicing, AMC? Whether preventive maintenance is
carried out?
6 Whether earthing is proper and checked periodically by electrician?
7 Configuration can be checked by pressing pause key when computer is
booted and also from control manager---system.
8 Whether Anti-virus software has been installed? Is it updated
periodically? Is it original or pirated?
9 Whether UPS / voltage stabilizer has been installed?
10 Whether proper servicing is carried out?
11 Whether printers are in working condition?

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Vehicle
Sr. No.
1 Private (white number plate) Commercial (Yellow number plate)
Tourist (t)
2 RTO Regd. No. MH-Maharashtra. 01-B’bay central, 02- Andheri, 03-
Ghatkopar, 04- Thane
3 Verify Chassis number & Engine number of the vehicle. Take Pencil
impression of Chassis number & Engine number.
4 Whether PUC is valid?
5 Verify Insurance policy, note down bank clause, permit, vehicle fitness
certificate.
6 Observe general condition of the vehicle. Colour, Body, Tyre condition
etc.
7 Note down the Kilo Meter reading.
8 Whether no claim discount has been given in the insurance policy?
9 Whether steering lock & petrol tank lock has been fitted?
10 Whether tourist permit has been obtained?
11 Insurance company does not entertain the claim if vehicle is used for
hire, racing unless specifically disclosed?
Shop
Sr. No.
1 Verify Shop & establishment license, BMC permission, Weights & Scale
license, Shutter license, Neon sign licenses, Health dept. permit, Drug
license etc. depending on type of business.
2 Whether fire extinguishers have been installed and the same are in
working condition?
3 Make sketch of shop layout, storage racks, Furniture.
4 Whether shutter center lock has been fitted in case length of the shutter
is more than say 8’-10’?
5 Enquire about area of the Godown & shop?
6 Select 2-3 racks at random & estimate the stock.
7 Compare the physical stock with sum insured in the policy.
8 Photographs should be taken in sequence. E.g. clockwise.
9.1 Ascertain how stock statement is prepared every month for submission
to Bank?
9.2 Obtain detailed stock statement on yearly basis.

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10 Wine shop: Verify excise records for purchases, sales & stock. Refer
daily brand wise stock register.
11 Chemist: Expired stock? Recruitment of Qualified D. Pharma assistant
is compulsory. Note down the name of the said staff. Whether AC is
installed?
12 Cloth merchant: Count number of Sarees, shirt pieces, trouser pieces,
shirting rolls etc and estimate the stock value.

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Bank: Branch
Post Disbursement Report Date of visit
Sr.
No.
1 Name of the borrower
2 Constitution Proprietary firm / Partnership /
Pvt. Ltd. / Public ltd.
3 Branches
4 Nature of business
5 Place of visit Office:
Godown:
Factory:
6 Telephone Office:
Godown:
Factory:
Residence:
7 Name of the person met &
Designation
8 Security offered
Stock Rs.
Debtors Rs.
Property Rs.
9 Details of machinery offered as
security & other equipments
Description Original Cost WDV
10 Details of collateral security

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Description Original Cost WDV
11 Details of existing Loans Rs’000
Loan
Loan Sanctioned
A/C
on
O/S Due date Overdue
Principal Interest
Total
CC Last 3 months
Debit summations
Credit summations
Whether Credit summations are commensurate with CC
Limit?
12 Stock statement submission
is
Regular / Irregular / Late / At a time
Last stock statement on
record
13 Whether bank’s name board
has been displayed?
14 Details of insurance policy
Policy no.
Sum insured Rs.
Date of expiry
Risk covered
Property covered
Whether S.I. is adequate?
15 Stock at the time of visit
(Working sheet enclosed)
Rs.
16 Book debts as on > 90 days Rs. < 90 days Rs.
17 Creditors as on > 90 days Rs. < 90 days Rs.

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18 Staff strength at the time of
visit
Office staff
Labour
19 Visit Report in brief Attach separate sheet.
19.1 S&E Certificate valid up to
19.2 Business License valid up to
19.3 Safety measures
19.4 Whether LY Accounts,
IT Return is on record?
20 Inspection Team
Name Designation Signature
Notes:

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Inspection Report-Term Loan
Report No: IR /
Date Date of visit:
A Borrower:
1.0 Name
Constitution
2.0 Location:
Office
Telephone
Factory
Telephone
3.0 Loan A/C No: Branch:
4.0 Loan Details:
Term loan Security
¾ No. of installments Of Rs. p.m. From
5 O/S as on
¾ Term Loan
6 Overdue as on
¾ Installments No. of installments
¾ Interest Interest recd. Up to
7 Classification of loan as per RBI
guidelines as on 31-03-
Standard / Sub-standard /
Doubtful ( )
B Position of Security: RS.’000
1 Value of security O/S Unsecured
¾ Term loan
2 Original cost of
Date of purchase
Less: Depreciation @ % for
months

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WDV as on
Approx. Market value as on
3 Collateral security
C Insurance:
1 Assets covered
Location
Sum Insured
Policy no. Expiry
Actual value
Excess / Shortage
2 Risks covered
3 Risks to be covered / Insured
Fixed Assets
4 Whether Bank clause has been attached with Insurance
policy?
Yes /
No
D Licenses and other statuary payments:
1 Factory license renewed up to
2 Shop & establishment renewed up to
3 Rent paid up to On
4 Municipal Taxes paid up to On
5 Water charges paid up to On
6 Power / electricity charges paid up to On
7 Provident Fund paid up to On
8 ESIS paid up to On
9 Sales tax / VAT paid up to On
10 Sales tax VAT /Assessment completed up to
11 I.T. Return for P. Y. Filed on
12 Advance Tax for A.Y. (P.Y.)
Installment
Paid up on
13 Income Tax Assessment completed up to
14 Excise duty returns submitted up to

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15 Whether P&L and B/S of P. Y. has been
submitted to Bank
E Inspection of Fixed Assets:
E-I Plant & Machinery , Furniture & Fixtures , Equipment etc
1 Whether list of Fixed Assets offered to
Bank as security is on record?
2 Whether various items are in working
condition?
3 Whether in house periodic maintenance
schedule has been laid down?
4 Whether service contracts have been
entered into for major items?
5 Whether machinery spare parts are held in
stocks?
If yes, whether useful?
6 Whether various items have been
numbered?
7 Whether fixed assets are verified
periodically?
8 Are there any damaged / obsolete items of
fixed assets?
9 Are there any physical safeguards against
Theft or loss of tools and other movable
equipment?
10 Whether the name plate indicating Bank’s
hypothecation charge is fastened securely
To or that the lending Bank’s name is
painted on the machinery?
11 Whether boiler inspection has been carried
out?
12 Original Cost
Less: Depreciation
WDV as on
13 Whether Fixed Assets Register has been
maintained?
14 List of machinery inspected is attached

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E-II Building:
1 Whether flat, gala needs any repairs?
2 When it was painted last?
3 Whether building fitness certificate has
been obtained every year from civil /
structural engineer?
4 Condition of flat / gala
5 Original cost RS.
Year of Purchase
Area
Market value approx. @ Rs. Rs.
Notes:
Name Name Name Name
Borrower Designation Designation Designation

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Inspection Report- Cash Credit & Term Loan
Report No: IR /
Date Date of visit:
A Borrower:
1.0 Name
Constitution
2.0 Location:
Office
Telephone
Factory
Telephone
3.0 Loan A/C No: Branch
4.0 Loan Details:
4.1 Term loan Security
¾ No. of installments Of Rs. p.m. From
4.2 Cash Credit: Rs. Security: Due date:
5 O/S as on
¾ Term Loan Cash Credit
6 Overdue as on
¾ Installments No. of installments
¾ Interest Interest recd. Up to
7 Classification of loan as per RBI
guidelines as on 31-03-
Standard / Sub-standard /
Doubtful ( )
B Position of Security: RS.’000
1 Value of security O/S Unsecured
¾ Term loan
¾ Cash credit
Total
2 Original cost of
Date of purchase
Less: Depreciation @ % for
months

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WDV as on
Approx. Market value as on
3 Stock Less: Creditors
Debtors Less: Over 60
days
Sub-total Sub-total
Less: Margin @ %
Drawing Power
Outstanding as on
Excess drawing
4 Max. Permissible Bank Finance Year ended As on
Current Assets
Less : Current liabilities
Working capital gap
Less: Promoters contribution
@ 25%
Max. Permissible Bank Finance
Less: CC Limit sanctioned
Excess borrowing
5 Collateral security
C Insurance:
1 Assets covered
Location
Sum Insured
Policy no. Expiry
Actual value
Excess / Shortage
2 Risks covered
3 Risks to be covered / Insured
Fixed Assets
Stocks

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4 Whether Bank clause has been attached with Insurance
policy?
Yes /
No
D Licenses and other statuary payments:
1 Factory license renewed up to
2 Shop & establishment renewed
3 Rent paid up to On
4 Municipal Taxes paid up to On
5 Water charges paid up to On
6 Power / electricity charges paid up to On
7 Provident Fund paid up to On
8 ESIS paid up to On
9 Sales tax / VAT paid up to On
10 Sales tax / VAT Assessment completed up to
11 I.T. Return for P. Y. Filed on
12 Advance Tax for A.Y. (P.Y.)
Installment
paid up on
13 Income Tax assessment completed up to
14 Excise duty returns submitted up to
15 Whether P&L and B/S of P. Y. has been
submitted to Bank
E Inspection of stocks:
E-I General:
1 Products manufactured and sold
2 Whether production is seasonal or
throughout the year?
3 Whether demand is seasonal or
throughout the year?
4 Main Items of:
RM
FG
WIP
5 Factory works in Shifts.
6 No. Of fire extinguishers.
Whether in up to date condition?
7 Strength: Staff Workers

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E-II Storage:
1 Watch & ward arrangement Self managed / Outside
agency
2 Whether Burglar Alarm has been
installed?
3 Shop Floor Tidy / Clean / untidy /
well laid out / clustered
4 Shop floor environment
5 Whether Bank’s name board has been
installed?
6 Whether stocks are stored in assigned in
areas?
7 If yes, whether access to these areas is
limited?
8 Whether storage capacity is adequate?
9 Whether material has been stored
properly?
10 Who is responsible for custody of stock?
11 Physical facilities available for storage?
12 Storage system adopted. Protection from
dust, dampness?
13 Stock & its life
14 Location / Area of Godown
15 Whether stock has been stored properly
to facilitate verification of same?
16 Who is responsible for custody of
Godown keys?
17 Whether wire seal is used while closing
Godowns?
E-III Stock Records:
1 Whether stock statements are submitted?
2 If yes, submission is regular / irregular /
late?
3 How many stock statements were
submitted in last 12 months?
4 Basis of preparation of stock statements:
book records/ physical?
5 Whether stock register is maintained?
6 If yes, whether up to date?

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E-IV Verification of stocks:
1 Whether norms have been laid down for
stock levels?
2 How often stocks is physically verified in
a year?
3 Stocks as on List attached Rs.
4 Non-moving , damaged , obsolete stock Rs.
5 Over stock holding vis-à-vis consumption Rs.
F Inspection of Fixed Assets:
F-I Plant & Machinery , Furniture & Fixtures , Equipment etc:
1 Whether list of Fixed Assets offered to
Bank as security is on record?
2 Whether various items are in working
condition?
3 Whether in house periodic maintenance
schedule has been laid down?
4 Whether service contracts have been
entered into for major items?
5 Whether machinery spare parts are held in
stocks?
If yes, whether useful?
6 Whether various items have been
numbered?
7 Whether fixed assets are verified
periodically?
8 Are there any damaged / obsolete items of
fixed assets?
9 Is there any physical safeguards agt. Theft
or loss of tools and other movable
equipment?
10 Whether the name plate indicating Bank’s
hypothecation charge is fastened securely
To or that the lending Bank’s name is
painted on the machinery?
11 Whether boiler inspection has been carried
out?
12 Original Cost
Less: Depreciation

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WDV as on
13 Whether Fixed Assets Register has been
maintained?
14 List of machinery inspected is attached
F-II Building:
1 Whether flat, gala needs any repairs?
2 When it was painted last?
3 Whether building fitness certificate has
been obtained every year from civil /
structural engineer?
4 Condition of flat / gala
5 Original cost Rs.
Year of Purchase
Area
Market value approx. @ RS. Rs.
Notes:
Name Name Name Name
Borrower Designation Designation Designation

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Visit Report of Flat / Shop / House property
Sr.
No.
Remarks
1.0 Bank
2.0 Branch
3.0 Loan A/C No.
4.0 Amount of Loan applied / Sanctioned Rs.
Disbursed on
5.0 Visited by
6.0 Date & time of visit
7.0 Address of flat / shop & Telephone no.
/ Mobile no.
8.0 Name of the Builder / Society
9.0 Person accompanied / contacted
10.0 Details of Property:
10.1 Area of the flat / shop & floor
10.2 No. Of Rooms 1 RK / 2 BHK / 3 BHK /
10.3 No of storeys / floors in the building Total no. of flats in
the building:
10.4 No. Of wings in the building
10.5 No. Of buildings in the complex /
society
10.6 Proximity from the nearest railway
station
Kms. From Railway
station.
10.7 Bus route to nearest railway station
10.8 Whether complex bus service is
available?
11.1 Whether flat / shop is fully constructed
or under construction?
11.2 If under construction, level of progress
of construction.
Up to Plinth /
Slab
( % Of construction
completed)
11.3 Date of latest commencement certificate Up to
Slab
Entire
structure

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12.1 If constructed, whether fully occupied?
12.2 If not % of occupation
12.3 Whether occupation certificate from
Municipal Authorities has been
received?
No. & Date
12.4 Whether water pipeline has been
approved by municipal authorities /
CIDCO etc.?
12.5 Whether water supply is available 24
hours?
12.6 Whether Electricity company has
approved electricity meters?
13.1 Whether the construction / present
status of the building is satisfactory or
not?
13.2 Whether building has been painted?
13.3 Whether drainage line has been
connected to Municipal drainage line?
13.4 Whether flat has been insured?
13.5 If yes, Policy no. & period
14.1 Whether society has been formed?
14.2 If no, whether application has been
made for registration?
14.3 If yes, whether conveyance has been
done?
14.4 Whether completion certificate has been
received from municipal authorities /
CIDCO etc.?
15.0 Details of amenities provided:
15.1 Marble flooring
15.2 Electrical wiring Concealed / Casing –capping
15.3 Plumbing Concealed / Open
15.4 Intercom connection
15.5 Internet connection
15.6 Cable connection
15.7 Sliding windows
15.8 Grill
15.9
16.1 Whether flat is occupied / vacant?

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16.2 If flat is occupied, then by whom?
17.0 Whether the flat to be purchased is on
the floor, which is a result of the
additional FSI obtained by the builder?
18.0 Other observations:
18.1 Security arrangement
18.2 Compound wall
18.3 Fire fighting equipment
18.4 Lift
18.5 Generator
18.6 Close circuit TV
18.7 Solar energy lighting
18.8 Recycling of toilet water for garden use.
18.9 Any other observations:
Signature of applicant /
borrower
Signature of Branch
officials
Signature of Branch
officials
Name Name Name
Designation Designation

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Vehicle Inspection Report
Report No: Date: Time:
A Borrower:
1 Name
Address
2 Loan A/C No. Branch:
3 Loan Rs. Disbursed on:
No. of installments of Rs.
4 Balance as on: RS.
5 Overdue:
¾ Installments
¾ Interest
B Vehicle Details:
1 Type of vehicle
2 Make Model
3 Vehicle No.
4 Engine No. Chassis No
5 R. C. Book
6 R. T. O. Tax paid up to
7 R.T.O. certificate for bank hypothecation
8 Any HPA Endorsement / remark
9 Fitness certificate valid up to
10 Permit No. Valid up to
11 Insurance Policy No Valid up to
12 Bill No. Date
13 Receipt No. RS.
14 Valuation report
15 Duplicate Key Obtained / not obtained
16 Bank’s Name Plate Displayed /
Not displayed
17 No claim discount (%) given in the policy %
18 Driving License No. Valid up to
C Comments in respect of condition of the Vehicle:
1 Body / Tin work
2 Colour
3 Pollution control checked on
4 Tyre condition
5 Accident details (Last 2 years)

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Hotel :
Visit Observations
Date of visit Visited by
Sr.
No.
Particulars / Observations
1.0 Hotel Renovation work status to be reviewed. (Separate report attached)
Sr.
No.
2.0 Hotels in nearby area:
Name & Grade Lodging
(Rooms)
Restaurant
Capacity
Veg./ non
Veg
Distance
From
(Km)
2.1 Dining
2.2 Dining
2.3 Dining
2.4 Dining
2.5 Dining
2.6 Dining
2.7 Dining
Sr.
No.
3.0 Vehicles parked in the compound of the hotel:
Type No. Time
3.1 Luxury Buses
3.2 ST Buses
3.3 Pvt. Cars
3.4 2 wheelers
3.5 Cycles
3.6
Sr.
No.
4.0 Cleanliness:
Location Observations Time
4.1 Compound

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4.2 Reception hall
4.3 Rooms
4.4 Restaurant
4.5 Kitchen
4.6 Stores
Sr.
No.
5.0 Customers in the restaurants:
Restaurant Capacity Occupied Time
5.1 Restaurant
5.2
5.3
5.4
Sr.
No.
6.0 Rooms Occupied at the time of visit:
Room No. Of rooms Occupied Time
Non AC
AC
Deluxe
Maharaja
Conference
Total
Sr.
No.
7.0 Staff Strength:
Category As per Muster On Duty
7.1 GM
7.2 Supervisors
7.3 Head Cook
7.4 Cook
7.5 Steward
7.6 Room service
7.7 Waiters
7.8 Kitchen helpers

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7.9 Sweepers
7.10 Watchman
Total
Sr.
No.
8.0 Registers / Records:
Name Observations
8.1 Customer Visit Register
8.2 In & Out Register
8.3 KOT
8.4 Power failure register
8.5 Muster / Attendance
cards
8.6 Stock register
8.7 Excise records (Liquor)
8.8 Billing register
8.9 Daily Cash book
8.10 Complaint book
8.11
8.12
8.13
Sr.
No.
9.0 Security arrangement: Own staff / Contract
9.1 No. Of Security personnel:
9.2 On duty at the time of visit:
9.3 Name of the security
agency
9.4 Rate:
Sr.
No.
10.0 Stock at the time of visit: (As per list)
Rs.
10.1 Provision

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10.2 Ice cream
10.3 Cold drink
10.4 Beer
10.5
10.6
10.7
Total
Sr.
No.
11.0 Fire Fighting Equipment:
Type No.
11.1 Fire extinguishers
11.2 Sand Buckets
11.3 Water Sprinklers
11.4
11.5
11.6
11.7
Sr.
No.
12.0 Hotel Equipment:
Equipment Condition AMC
12.1 DG Set
12.2 Boiler
12.3 Solar system
12.4 EPABX
12.5 Credit card machine
12.6 AC
12.7
12.8
12.9
12.10

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Gymnasium:
Visit Observations
Date of visit Visited by
Sr.
No.
1.0 Gymnasiums in nearby area:
Name & Grade No. of
Members
Fee scale
Rs.
Distance
From
(Km)
1.1
1.2
1.3
1.4
1.5
1.6
1.7
Sr.
No.
2.0 Vehicles parked in the compound of the Gymnasium:
Type No. Time
2.1 Cars
2.2 2 wheelers
2.3
2.4
2.5
Sr.
No.
3.0 Cleanliness:
Location Observations Time
3.1 Compound
3.2 Reception hall
3.3 Exercise Room
3.4 Equipments

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3.5 Steam bath
3.6 Massage room
3.7
3.8
Sr.
No.
4.0 Customers in the Gymnasium:
Scheme Capacity Present Time
4.1
4.2
Sr.
No.
5.0 Staff Strength:
Category As per Muster On Duty
GM
Supervisors
Instructor
Dietician
Sweepers
Watchman
Total
Sr.
No.
6.0 Registers / Records:
Name Observations
6.1 Customer Visit Register
6.2 Members Cards
6.3 Suggestion book
6.4 Complaint book
6.5 Receipt book
6.6 Muster / Attendance
cards

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6.7 Billing register
6.8 Daily Cash book
Sr.
No.
7.0 Security arrangement: Own staff / Contract
7.1 No. Of Security personnel:
7.2 On duty at the time of visit:
7.3 Name of the security
agency
Rate:
7.4 Observation about security
Sr.
No.
8.0 Fire Fighting Equipment:
Type No.
8.1 Fire extinguishers
8.2 Sand Buckets
8.3 Water Sprinklers
8.4
Sr.
No.
9.0 Equipment:
Equipment Condition Warranty AMC
9.1 Gymnasium
9.2 Weighing scale
9.3 Music system
9.4 EPABX
9.5 Credit card machine
9.6 Air Conditioners
9.7
9.8

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01 Jai Ambe Provision Stores.
Sr.
No.
1.0 Location:
1.1 The shop is located at Charkop, Kandivali-W near Apna Bazar.
2.0 Banking Limits:
2.1 CC limit of Rs.5 Lacs
3.0 Business:
3.1 Grocery & General Stores
3.2 Area of the shop 250 sq. ft.
4.0 Major equipments installed in the shop:
4.1 Weighing scale
4.2 Refrigerator
4.3 Counters, Show cases and other furniture
5.0 Ownership:
5.1 Mr. Patel is the proprietor of the shop.
5.2 He is of 45 years of age.
6.0 Financial Data:
6.1 A/C of previous year shows sales of Rs.20 Lacs.
7.0 Security for the loan:
7.1 Stock & Book debts
7.2 Shop
8.0 GM has requested you to:
8.1 Visit the shop and submit your report. Prepare the checklist of
observations to be made at the time of visit.
8.2 Compile checklist for obtaining information from the borrower.
8.3 Give your comments on Strength, Weakness, Opportunity and Threats
(SWOT) of the borrower.
8.4 How you will verify stock & Book debts?

35
02 Alok Wine Shop
Sr.
No.
1.0 Location:
1.1 The shop is located at Dadar on Dr. B. A. road.
2.0 Banking Limits:
3.0 Business:
3.1 Wine mart.
3.2 Area of the shop 250 sq. ft. & Godown of 200 sq. ft.
4.1 Deep fridge
5.0 Ownership:
5.1 Mr. Shah & Mr. Kothari are partners of the shop.
5.2 Both the partners are in the age group of 55-60 years.
6.0 Financial Data:
7.1 Stock & Book debts.
7.2 Collateral security of LIC Policy.
8.1 Visit the shop and submit your report. Prepare the checklist of

36
03 Damodar Chemist.
Sr.
No.
1.0 Location:
1.1 The shop is located at Borivali on L. T. Road.
2.0 Banking Limits:
3.0 Business:
3.1 Medical & General Stores
4.1 Refrigerator
5.0 Ownership:
5.1 Mr. Damodar is the proprietor of the shop.
5.2 He is of 55 years of age. His son Aryan age 25 years helps him in the
business.
5.3 No. Of staff members: 15
6.0 Financial Data:
7.2 Shop
8.1 Visit the Shop and submit your report. Prepare the checklist of

37
04 Marathe Saree Emporium.
Sr.
No.
1.0 Location:
1.1 The shop is located at Dadar on Ranade Road.
2.0 Banking Limits:
2.2 Term loan Rs.5 Lacs
3.0 Business:
3.1 Saree shop of exclusive Sarees.
4.1 Counters, show cases and other furniture.
5.0 Ownership:
5.1 Mr. Marathe is the proprietor of the shop.
5.2 He is of 65 years of age. His son Aryan age 35 years & his daughter in
law help him in the business.
6.0 Financial Data:
7.2 Shop
7.3 Furniture & Fixtures in the shop.
8.1 Visit the Shop and submit your report. Prepare the checklist of
8.4 How you will verify stock?

38
05 Sahani Petrol Pump
Sr.
No.
1.0 Location:
1.1 The petrol pump is located at Bandra on Hill Road.
2.0 Banking Limits:
3.0 Business:
3.1 Petrol pump, Car service center etc.
3.2 Area of the petrol pump 1000 sq. ft.
4.1 5 dispensing units of petrol & 1 dispensing unit of Diesel.
4.2 Storage tank of 30000 litres for petrol & 10000 litres for Diesel.
4.3 Counters, show Cases and other furniture
4.4 Petrol & Diesel is also sold on credit of 1 month to regular customers.
5.0 Ownership:
5.1 Mr. Sahani is proprietor of the shop.
5.2 He is of 55 years of age.
6.0 Financial Data:
8.1 Visit the Petrol pump and submit your report. Prepare the checklist of

39
06 Sure Success Computer Classes
Sr.
No.
1.0 Location:
1.1 The Class is located at Lokhandwala Complex, Andheri.
2.0 Banking Limits:
2.1 Term loan of Rs.35 Lacs
3.0 Business:
3.1 Computer Class.
4.1 Computers, Printers etc.
4.2 Computer Trollies.
5.0 Ownership:
5.1 Mr. D’souza is the proprietor of the shop.
5.2 He is of 55 years of age. He is computer hardware engineer.
6.0 Financial Data:
6.1 A/C of previous year shows Fee receipts of Rs.25 Lacs.
7.1 Computers.
7.2 Shop
7.3 Furniture & Fixtures.
8.1 Visit the Class and submit your report. Prepare the checklist of
8.4 How you will verify security?

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