This document outlines an industry internship program between a company and an educational institution. It provides objectives of understanding various financial facilities and loan assessment procedures. It then describes various fund and non-fund based loan facilities available from banks such as cash credit, overdraft, letter of credit, and bank guarantees. It also explains the process for sanctioning, disbursing and recovering loans including initial scrutiny of loan applications and pre-sanction activities like valuation and credit monitoring arrangements.
Special report by epic research of 01 january 2018Epic Research
Epic Research provides special report of the stock market in each segment that helps the traders to get a better overview of the market daily movements. Our aim is to serve quality services to the customers and fulfil their profit objective.
NSE witnessed a reversal in the upward trend seen at the last trading session, as the benchmark index lost 0.57% to close at 30,058.40 with 2,930 deals. Sub-sectors showed mixed performance as the banking, insurance and oil and gas sectors closed positively on the back of Mansard(+4.86%), Eterna(+5.00%), Seplat(+2.62%) and Guaranty(+1.44%) while the consumer and industrial sectors closed in negative territory on the backdrop of Uacn(-4.79%), Honyflour(-4.96%), Pz(-3.85%) and Dangcem(-1.80%).
ASI year-to-date return stands at -13.34%. Among the broad indices, 124million units valued at N1.377bn represents a decrease by 7% at par. At the close of today’s session, 23 stocks advanced relative to 24 decliners while 43 remained unchanged. Top in the gainers’ chart are ETERNA (N1.89), OKOMUOIL (N29.40) and BERGER (N10.90) while TRANSEXPR (N11.03), UACN (N27.46) and UBCAP (N1.34) led the decliners.
In trader’s opinion, investors are advised to take up buying opportunities as stock prices remain fairly priced.
Special report by epic research of 01 january 2018Epic Research
Epic Research provides special report of the stock market in each segment that helps the traders to get a better overview of the market daily movements. Our aim is to serve quality services to the customers and fulfil their profit objective.
NSE witnessed a reversal in the upward trend seen at the last trading session, as the benchmark index lost 0.57% to close at 30,058.40 with 2,930 deals. Sub-sectors showed mixed performance as the banking, insurance and oil and gas sectors closed positively on the back of Mansard(+4.86%), Eterna(+5.00%), Seplat(+2.62%) and Guaranty(+1.44%) while the consumer and industrial sectors closed in negative territory on the backdrop of Uacn(-4.79%), Honyflour(-4.96%), Pz(-3.85%) and Dangcem(-1.80%).
ASI year-to-date return stands at -13.34%. Among the broad indices, 124million units valued at N1.377bn represents a decrease by 7% at par. At the close of today’s session, 23 stocks advanced relative to 24 decliners while 43 remained unchanged. Top in the gainers’ chart are ETERNA (N1.89), OKOMUOIL (N29.40) and BERGER (N10.90) while TRANSEXPR (N11.03), UACN (N27.46) and UBCAP (N1.34) led the decliners.
In trader’s opinion, investors are advised to take up buying opportunities as stock prices remain fairly priced.
EPIC RESEARCH SINGAPORE - Daily SGX Singapore report of 14 March 2016epicresearchsgmy
Epic Research Singapore have best technical research team, Our research team provide Daily report on SGX Singapore and SGX Exchange, You can get Daily Favorable Tips & future Strategy for SGX Stocks Market.
EPIC RESEARCH SINGAPORE - Daily SGX Singapore report of 08 April 2015Epic Research Singapore
Epic Research Singapore have best technical research team, Our research team provide Daily report on SGX Singapore and SGX Exchange, You can get Daily Favorable Tips & future Strategy for SGX Stocks Market.
ACC would be the biggest beneficiary of an improvement in the domestic economy due to its Pan-India presence and have one of the cheapest valuations compared to its peers. The recent modernization of Wadi and Chanda and upcoming commissioning of modernized Jamul plant should see improved efficiencies kicking in. Stock trades at EV/T of US$120 CY15E capacity, significantly lower compared to US$156 and US$160 of UTCEM and ACEM, respectively. We maintain our Buy rating with TP of Rs1,653 at EV/T of US$140 CY15E capacity of 34m tonnes.
Karur Vysya Bank is a privately held Indian bank, headquartered in Karur in Tamil Nadu. The company operates in four business segments: treasury operations, corporate/ wholesale banking operations, retail banking operations and other banking operations. The company's investments are categorized into three categories, held to maturity, held for trading and available for sale. Karur Vysya Bank
Special report by epic research of 02 aug 2017Epic Research
Epic Research is a leading financial advisory company provides daily share market reports on different segments. it provides daily updates to investors as well as it helps investors to boost their performance in the market.
EPIC RESEARCH SINGAPORE - Daily SGX Singapore report of 06 April 2015Epic Research Singapore
Epic Research Singapore have best technical research team, Our research team provide Daily report on SGX Singapore and SGX Exchange, You can get Daily Favorable Tips & future Strategy for SGX Stocks Market.
On the backdrop of falling money market rates, the equity market received some boost today as the volume and value rose significantly.
The rise in market activity, however, did not lead to positive return in the All Share Index as the benchmark index, closed a marginal 0.03% lower. Sub-sectors showed mixed performance as NSEOILG and NSEINS closed positive on the back of Oando (+10.10%), NEM(+4.55%) and Lawunion (+3.85%) while NSEBNK, NSECNSM and NSEIND closed in negative territory on the backdrop of Guaranty(-0.34%), 7UP(-3.15%) and heavyweight Dangcem (-0.61%).
EPIC RESEARCH SINGAPORE - Daily SGX Singapore report of 09 April 2015Epic Research Singapore
Epic Research Singapore have best technical research team, Our research team provide Daily report on SGX Singapore and SGX Exchange, You can get Daily Favorable Tips & future Strategy for SGX Stocks Market.
"Among all top 10 stock advisory company Indore Trade Nivesh is the best financial platform to get daily intraday stock market recommendations and market calls. You can also visit our site to have free trading trials."
Today at the Nigerian Stock Exchange, investors’ sentiment remained negative as the benchmark index lost 75bps. Sub-sectors monitored by the exchange showed mixed performance with consumer sector adding 44bps to lead the gainers on the back of Nascon(+3.70%), Champion(+3.21%) and Flourmill(+1.25%) while NSEOILG led the losers chart on the back of Seplat(-9.75%), Mobil(-2.31%) and Oando(-1.44%)
ASI year-to-date return stands at -12.48%. Among the broad indices, the volume (300 million units) of trades depreciated by 28% while the value (3.048bn) appreciated by 33% relative to previous figures. At the close of today’s session, 18 stocks advanced relative to 21 decliners while 64 remained unchanged. Top in the gainers’ chart are CUTIX (N1.82), UNITYBNK (N1.42) and NASCON (N7.00) while SEPLAT (N225.54), MCNICHOLS (N1.20) and NAHCO (N4.45) led the decliners.
"Among all top 10 stock advisory company Indore Trade Nivesh is the best financial platform to get daily intraday stock market recommendations and market calls. You can also visit our site to have free trading trials."
Nifty50 closed negative 10718 at 0.20%.Benchmark indices ended the range bound session on a flat note Wednesday but the broader markets underperformed, with the Nifty Midcap index falling 1.5 percent and BSE Smallcap declining over a percent amid earnings.
Wall Street cut losses to end little changed on Tuesday
while energy stocks rallied after US President Donald
Trump said the United States would quit the Iran nuclear
deal, confirming what many investors had expected.
EPIC RESEARCH SINGAPORE - Daily SGX Singapore report of 14 March 2016epicresearchsgmy
Epic Research Singapore have best technical research team, Our research team provide Daily report on SGX Singapore and SGX Exchange, You can get Daily Favorable Tips & future Strategy for SGX Stocks Market.
EPIC RESEARCH SINGAPORE - Daily SGX Singapore report of 08 April 2015Epic Research Singapore
Epic Research Singapore have best technical research team, Our research team provide Daily report on SGX Singapore and SGX Exchange, You can get Daily Favorable Tips & future Strategy for SGX Stocks Market.
ACC would be the biggest beneficiary of an improvement in the domestic economy due to its Pan-India presence and have one of the cheapest valuations compared to its peers. The recent modernization of Wadi and Chanda and upcoming commissioning of modernized Jamul plant should see improved efficiencies kicking in. Stock trades at EV/T of US$120 CY15E capacity, significantly lower compared to US$156 and US$160 of UTCEM and ACEM, respectively. We maintain our Buy rating with TP of Rs1,653 at EV/T of US$140 CY15E capacity of 34m tonnes.
Karur Vysya Bank is a privately held Indian bank, headquartered in Karur in Tamil Nadu. The company operates in four business segments: treasury operations, corporate/ wholesale banking operations, retail banking operations and other banking operations. The company's investments are categorized into three categories, held to maturity, held for trading and available for sale. Karur Vysya Bank
Special report by epic research of 02 aug 2017Epic Research
Epic Research is a leading financial advisory company provides daily share market reports on different segments. it provides daily updates to investors as well as it helps investors to boost their performance in the market.
EPIC RESEARCH SINGAPORE - Daily SGX Singapore report of 06 April 2015Epic Research Singapore
Epic Research Singapore have best technical research team, Our research team provide Daily report on SGX Singapore and SGX Exchange, You can get Daily Favorable Tips & future Strategy for SGX Stocks Market.
On the backdrop of falling money market rates, the equity market received some boost today as the volume and value rose significantly.
The rise in market activity, however, did not lead to positive return in the All Share Index as the benchmark index, closed a marginal 0.03% lower. Sub-sectors showed mixed performance as NSEOILG and NSEINS closed positive on the back of Oando (+10.10%), NEM(+4.55%) and Lawunion (+3.85%) while NSEBNK, NSECNSM and NSEIND closed in negative territory on the backdrop of Guaranty(-0.34%), 7UP(-3.15%) and heavyweight Dangcem (-0.61%).
EPIC RESEARCH SINGAPORE - Daily SGX Singapore report of 09 April 2015Epic Research Singapore
Epic Research Singapore have best technical research team, Our research team provide Daily report on SGX Singapore and SGX Exchange, You can get Daily Favorable Tips & future Strategy for SGX Stocks Market.
"Among all top 10 stock advisory company Indore Trade Nivesh is the best financial platform to get daily intraday stock market recommendations and market calls. You can also visit our site to have free trading trials."
Today at the Nigerian Stock Exchange, investors’ sentiment remained negative as the benchmark index lost 75bps. Sub-sectors monitored by the exchange showed mixed performance with consumer sector adding 44bps to lead the gainers on the back of Nascon(+3.70%), Champion(+3.21%) and Flourmill(+1.25%) while NSEOILG led the losers chart on the back of Seplat(-9.75%), Mobil(-2.31%) and Oando(-1.44%)
ASI year-to-date return stands at -12.48%. Among the broad indices, the volume (300 million units) of trades depreciated by 28% while the value (3.048bn) appreciated by 33% relative to previous figures. At the close of today’s session, 18 stocks advanced relative to 21 decliners while 64 remained unchanged. Top in the gainers’ chart are CUTIX (N1.82), UNITYBNK (N1.42) and NASCON (N7.00) while SEPLAT (N225.54), MCNICHOLS (N1.20) and NAHCO (N4.45) led the decliners.
"Among all top 10 stock advisory company Indore Trade Nivesh is the best financial platform to get daily intraday stock market recommendations and market calls. You can also visit our site to have free trading trials."
Nifty50 closed negative 10718 at 0.20%.Benchmark indices ended the range bound session on a flat note Wednesday but the broader markets underperformed, with the Nifty Midcap index falling 1.5 percent and BSE Smallcap declining over a percent amid earnings.
Wall Street cut losses to end little changed on Tuesday
while energy stocks rallied after US President Donald
Trump said the United States would quit the Iran nuclear
deal, confirming what many investors had expected.
Mergers And Acquisitions Management Powerpoint Presentation SlidesSlideTeam
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Mergers and Acquisitions Management PowerPoint Presentation Slides SlideTeam
Presenting this set of slides with name - Mergers And Acquisitions Management PowerPoint Presentation Slides. This is a one stage process. The stages in this process are Merger And Acquisition Framework, Mergers And Acquisitions Management, Merger And Acquisition Model.
Seamless Pipes and Tubes - Market Survey cum Detailed Techno Economic Feasibi...Ajjay Kumar Gupta
The seamless steel pipe industry is almost one century old. The prime reason for the development was provided by transportation sector. Petroleum sector consumes largest quantities of seamless tubes. The Indian seamless tube industry is about 55 Years old.
Seamless pipe as the name suggests is a pipe without a seam or a weld-joint in contrast to Seam or Welded pipe. In a Seam or Welded pipe, the seam or the weld-joint is the weaker part of the pipe limiting the strength of the pipe to the strength of the weld-joint. Whereas the seamless pipe does not have any such joint and thus has uniform structure & strength all over the pipe body. Thus the seamless pipe can withstand higher pressure, higher temperature, higher mechanical stress & corrosive atmosphere and find wide applications in Oil & Gas, Refinery, Petrochemical, Chemical, Fertilizer, Power, Automotive, Bearing, Mechanical & Structural applications.
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Mergers And Acquisitions Framework Powerpoint Presentation SlidesSlideTeam
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If you are about to execute an M&A, our Mergers And Acquisitions Framework PowerPoint Presentation Slides can help you to focus on the right things. M&A involves buying selling and combing companies. Business valuation comprehensive PowerPoint deck helps you to present each and every aspect in detail as it contains set of professionally designed template such as key steps, company overview, business, and financial overview, determining new growth market, types of inorganic opportunities, M&A criteria, identify targets, balance sheet KPIs, cash flow statement, financial projections, key financial ratios, liquidity and profitability ratios, activity and solvency ratios, M&A synergy framework, company valuation methodologies, valuation results, business due diligence process, post-merger integration framework, challenges and performance tracker etc. The mergers and acquisitions are crucial as organizations moving towards an expansion. Download incredible M&A strategy PPT slide to save time in delivering an exceptional business presentation. Let nothing disturb your concentration. Our Mergers And Acquisitions Framework Powerpoint Presentation Slides will keep you focused. https://bit.ly/3kIHDjc
Mergers and Acquisitions Framework PowerPoint Presentation Slides SlideTeam
If you are about to execute an M&A, our Mergers And Acquisitions Framework PowerPoint Presentation Slides can help you to focus on the right things. M&A involves buying selling and combing companies. Business valuation comprehensive PowerPoint deck helps you to present each and every aspect in detail as it contains set of professionally designed template such as key steps, company overview, business, and financial overview, determining new growth market, types of inorganic opportunities, M&A criteria, identify targets, balance sheet KPIs, cash flow statement, financial projections, key financial ratios, liquidity and profitability ratios, activity and solvency ratios, M&A synergy framework, company valuation methodologies, valuation results, business due diligence process, post-merger integration framework, challenges and performance tracker etc. The mergers and acquisitions are crucial as organizations moving towards an expansion. Download incredible M&A strategy PPT slide to save time in delivering an exceptional business presentation. Let nothing disturb your concentration. Our Mergers And Acquisitions Framework PowerPoint Presentation Slides will keep you focused.
Introducing our content ready Monthly Review PowerPoint Presentation Slides. The topic-specific monthly plan review presentation deck comprises of self-explanatory PPT slides such as business overview, financial performance, client and project updates, competitor’s analysis, future roadmap, CSR, key developments /milestones achieved to name a few. Provide an overall picture of your monthly performance using the monthly business plan PPT visuals. Utilize these editable business performance assessment PowerPoint templates to facilitate your monthly business review meeting. Showcase your numbers according to country, geography, product, segment, etc. with the help of business review meeting format PowerPoint presentation. Utilize business performance review PowerPoint templates to track and monitor your progress against strategic and operational goals. Furthermore, this professional-looking corporate review PPT presentation template will provide you the appropriate format to conduct a monthly business meeting with your employees. Therefore, download the visually appealing business review report PPT graphics to drive internal performance and growth. Beat the heat with our Monthly Review Powerpoint Presentation Slides. Feel chilled out anywhere. https://bit.ly/3wqrGSS
This complete presentation has a set of sixtysix slides to show your mastery of the subject. Use this ready-made PowerPoint presentation to present before your internal teams or the audience. All presentation designs in this Monthly Review Powerpoint Presentation Slides have been crafted by our team of expert PowerPoint designers using the best of PPT templates, images, data-driven graphs and vector icons. The content has been well-researched by our team of business researchers. The biggest advantage of downloading this deck is that it is fully editable in PowerPoint. You can change the colors, font and text without any hassle to suit your business needs.
This complete presentation has a set of sixty six slides to show your mastery of the subject. Use this ready-made PowerPoint presentation to present before your internal teams or the audience. All presentation designs in this Monthly Corporate Analysis Powerpoint Presentation Slides have been crafted by our team of expert PowerPoint designers using the best of PPT templates, images, data-driven graphs and vector icons. The content has been well-researched by our team of business researchers. The biggest advantage of downloading this deck is that it is fully editable in PowerPoint. You can change the colors, font and text without any hassle to suit your business needs.
Mergers And Acquisitions Project Plan Powerpoint Presentation SlidesSlideTeam
Mergers and Acquisitions is a common practice for business growth, companies see this as an opportunity to improve their competitive edge. Download our Mergers And Acquisitions Project Plan PowerPoint Presentation Slides to highlight your M&A strategy. Business valuation PowerPoint complete deck assist you in presenting each step in detail as it includes a set of slides like key steps, company overview, business, and financial overview, determining new growth market, types of inorganic opportunities, M&A criteria, identify targets, balance sheet KPIs, cash flow statement, financial projections, key financial ratios, liquidity and profitability ratios, activity and solvency ratios, M&A synergy framework, company valuation methodologies, valuation results, business due diligence process, post-merger integration framework, challenges and performance tracker etc. This strategic alliance Presentation template can benefit professionals from different industries. Download M&A strategy PPT slide to give a presentation on corporate finances, management, and strategy Our Mergers And Acquisitions Project Plan Powerpoint Presentation Slides ensure focused attention to your thoughts. They get exclusive handling. https://bit.ly/39rtZLC
Disposable Syringes made of plastic material have been successfully used in medical and pharmaceutical practice for many years. The constantly increasing use of this type Syringe indicates its importance which is based mainly on the advantages it offers regarding cost and hygienic applications. The manufacture of plastic syringes has been developed to such a degree that the products now satisfy the requirements and standards set by Hospital and physicians. At the same time they offer the best possible technique of application to the physician and the highest possible degree of safety to the patient.
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Mergers and Acquisitions is a common practice for business growth, companies see this as an opportunity to improve their competitive edge. Download our Mergers And Acquisitions Project Plan PowerPoint Presentation Slides to highlight your M&A strategy. Business valuation PowerPoint complete deck assist you in presenting each step in detail as it includes a set of slides like key steps, company overview, business, and financial overview, determining new growth market, types of inorganic opportunities, M&A criteria, identify targets, balance sheet KPIs, cash flow statement, financial projections, key financial ratios, liquidity and profitability ratios, activity and solvency ratios, M&A synergy framework, company valuation methodologies, valuation results, business due diligence process, post-merger integration framework, challenges and performance tracker etc. This strategic alliance Presentation template can benefit professionals from different industries. Download M&A strategy PPT slide to give a presentation on corporate finances, management, and strategy Our Mergers And Acquisitions Project Plan PowerPoint Presentation Slides ensure focused attention to your thoughts. They get exclusive handling.
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Polyethylene terephthalate or PET (also known as PETE) is one of the most common types of plastic. Most single-serve plastic bottles, including those for water, soft drinks and juices, are made with PET. Designated by the recycling code “1”. Being extremely light, PET bottles help to reduce the emission of contaminants during their transport. Since they require less fuel during transport, they also help saving energy. PET is globally recognized as a safe, recyclable packaging material. PET is the main constituent in a variety of consumer and industrial products including plastic fibers, videotape, audiotape, film, engineered resin, food containers.
PET recycling is the process of reprocessing plastic that already has been used before and giving it some new reusable form. For instance, this could mean melting down soft drink bottles and then casting them as plastic chairs and tables. Typically a plastic is not recycled into the same type of plastic, and products made from recycled plastics are often not recyclable.Thus, it is a good project for entrepreneurs to invest.
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Strategies To Overcome Bankruptcy PowerPoint Presentation Slides
PresentationIIP
1. INDUSTRY INTERNSHIP PROGRAMME
COMPANY GUIDE FACULTY GUIDE
MR. MALAYA KUMAR SAHOO MR. SANJAY SINHA
ASSISTANT GENERAL MANAGER
HEAD OF DEPARTMENT
ITM, BUSINESS SCHOOL
AGM, IDBI BANK
MR. RANESH SARKAR
CHIEF MANAGER
2. OBJECTIVE AND
SIGNIFICANCE OF THE STUDY
Understanding for selection of customers and providing financial
facilities as per their requirement.
To perceive the meaning of fund Base Facility.
To understand the meaning of working capital and working
capital cycle.
To visualize the significance of CC/OD and term loan.
Understanding the assessment of Cash credit, overdraft and term
loan facilities.
Understanding the procedure of sanction, disbursement,
monitoring and recovery of loans.
3. FUND BASE LOAN FOR MICRO &
SMALL ENTERPRISES
FACILITIES BY BANK
WORKING CAPITAL TERM LOAN
FUND BASED NON FUND BASED
Cash Credit
Overdraft Letter of Credit
Bank Guarantee
4. CASH CREDIT/ OVER DRAFT
REQUIREMENTS
ASSESMENT
Cash credit loan:-This kind of fund based working capital
facility is provided to traders/manufacturers & the like.
Bank has focus for extending cash credit facility to small
& medium size enterprises.
Purpose : working Capital requirements /
Additional stock
purchase / Repayment of trade
condition
Eligibility : Small traders/ Manufacturers /
Partnership firms / companies
Margin :
Minimum 25% of net inventory
and book debts *
Security :
Closing Stock, Debtors,
Movable/Immovable Properties
Repayment :
Maximum period upto 12
months on renewable basis.
TURNOVER METHOD
Estimated Sale : A
25% of A : B
5% of B (margin) : C
NWC (CA-CL) : D
Bank borrowing : B- C/D
{Whichever is higher}
5. INITIAL SCRUTINY
Visit Report
KYC
Checklist Sl. No Documents
1 Loan Application Form
2 Audited Balance Sheet For 3 Years
3 Brief background of firm/company and promoters.
4 Marketing arrangement
5 Provisional balance sheet/Current Year Estimate/Next Years Projections
6 CMA Forms Duly Filled (Soft And Hard) With Justification For Holding Levels
7 Cash Flow (If Applicable)
8 Project Report/Viability Report (If Applicable, normally TL)
9 Guarantors Consent Forms with Networth Proof
10 Entity and residential address proof.
11 Age wise Debtors /Creditors Statement
12 sales till date of the concern
13 Audited Balance Sheet of Group Accounts (If Applicable)
14 Rent Agreement
15 Current Order Position/Invoice
16 BG Details (value to be bid) and LC Details (Purchase under LC)
17 MOA/AA/Partnership Deed/Others
18 Form 32 in case of retirement/introduction of directors
19 Board resolution
20 Latest Shareholding level
21 Confirmation that there are no changes In Constitution/Partnership Deed
22 Registration Certificate For SSI/MSI
23 KYC Form
24 IT/Wealth Tax Returns of the Applicant/Directors/Partners/Guarantors
25 Sales Tax Assessment Order of the firm, if applicable Form 17 – A
26 Details of collateral
27 Name of 5 customers and 5 suppliers with contact person and contact No.
28 ISO certificate, Dealership certificate etc.
29 List of Machinery if the same is offered as security
6. PRESANCTION ACTIVITY
Valuation Report
Search Report
Credit monitoring Arrangement
Business Report ( RISK AND SCORE)
DANMSE Product-Property Power
M/s Bhawani Cement Pipe Industries
Branch: Urla Industrial Area (1216)
1. Borrower's Profile
Reference No.
(LATS)
12162803140012 Date: 28-03-2014
Relationship Officer Ms. Monalisha Mahapatra (Asset Officer)
Branch Manager Mr. Susheel B. Soni
Name of the Borrower M/s Bhawani Cement Pipe Industries [BCP I]
Address with
Telephone no
Registered Address Correspondence Address
M/s Bhawani Cement Pipe
Industries
village- Deori, Block - Dharsiwa,
Dist-Raipur, Chhattisgarh, pin-
493221
M/s Bhawani Cement Pipe Industries
village- Deori, Block -Dharsiwa,Dist-
Raipur, Chhattisgarh, pin -493221
Constitution Proprietorship Date of incorporation/
Establishment
05-02-2008 as per Commercial
Tax Registration Certificate.
Contact Person with
Tel/Mo:/e-mail id
Shri Bharat Lal Agrawal
Ph-9425507207
Line of Activity Manufacturing of cement pipes & RCC Fencing P oles
BSR CODE 26903-Manufacture of articles of
concrete, cement and plaster
including asbestos cement and its
products, hume pipes etc.
PSL/Non-PSL: PS L (Micro
Manufacturing)
2. Present Proposal
(Give here limit requested by borrower along with purpose of the same)
BCP I is manufacturer of cement pipes and RCC fencing poles. Presentl y firm is enjoying CC limit of
Rs.6.95 lakh from PNB since year 2007.
The customer has requested us an overdraft limit amounting to Rs.25.00 Lakh for pa yment of its existing
unsecured loans, which have been taken for business purpose. Fund will also be utilised for working capital
assistance.
P ar amet er Valu e S c o r e Al l ote d Score
Mi c ro E nterpri s es 5
Sma l l E nterpri s es 4
Medi um E nterpi rs es 2
>=5 yea rs 5
>=3 yea rs < 5 yea rs 4
>=2 yea r<3 yea rs 3
>1 yea r<2 yea rs 2
<1 yea r 0
> = 5 yea rs 5
>=3 yea r but l es s tha n 5 yea rs 3
>=1 yea r but l es s tha n 3 yea rs 2
< 1 yea r 0
3rd g enera ti on & more 5
2nd g enra ti on 3
Is t g enera ti on 1
36-50 5
50-65 4
22-35, 3
>65 0
To t al S c o r e 25 21
36 Months a nd a bove 5
24 months a nd < 36 months 4
12 months a nd < 24 months 3
6 Months a nd < 12 months 2
< 6 month or No rel a ti ons hi p wi th us 0
>=24Month 5
>6 month <24 Month 3
<6 month 0
>750 5
> 660 upto 750 4
(-)1, between 600-660 3
1-5 2
<600 0
1-2% 5
More tha n 2% a nd l es s tha n 5% 3
More tha n 5% 0
>=60% of s a l es 5
>=40% a nd <50% of s a l es 4
>=30% a nd <40% of s a l es 3
<30% of s a l es 0
To t al S c o r e 25 20
>=20% 10
>=10% a nd <20% 5
>=5% a nd <10% 3
Growth upto 5% 2
No g rowth 0
>=15% 5
>=5% a nd <15% 3
<5% or no g rowth 0
<=4 10
> 4 to 5 5
> 5 to 6 3
5
5
Gea ri ng ra ti o
(T O L /T NW)
10
Avera g e Growth i n C a s h Profi t for l a s t 3
yea rs @ 5
C redi t Summa ti on i n the l a s t 12 months
5
Fi na nc i a l s C ri teri a
Avera g e Growth i n s a l es for l a s t 3 yea rs @
E xi s ti ng rel a ti ons hi p wi th us wi th s a ti s fa c tory
tra c k rec ord
0
B a nki ng ba hvi our wi th other ba nk wi th
s a ti s fa c tory tra c k rec ord 5
Inwa rd/O utwa rd c heque return (duri ng l a s t
12 monthhs , out of tota l C heque tra ns a c ti on)
5
G e ne ral Cri te ri a
Scor i ng mode l for Pr ope r t y Powe r t o be us e d for cas e s upt o R s 2 0 0 Lakhs
E nti ty c l a s s i fi c a ti on
Fa mi l y i n B us i nes s
1
Ag e of the Propri etor/Ma na g i ng
Pa rtner(Seni or mos t of the pa rtners )/Ma i n
Promotor
5
No of yea rs i n C urrrent B us i nes s
5
C onti nui ty of the B us i nes s a t the s a me
l oc a ti on
5
C IB IL s c ore of the borrower/Fi rm (Key
pers on/promoter)
5
Conduct Cri te ri a
7. ANALYSIS
Projections
Financial Analysis
Ratio Analysis
Na me of the Compa ny :
2009-10 2010-11 2011-12 2012-13 2013-14 2014-15 2015-16 2009-17 Ye ar 9 Ye ar 10 Ye ar 11 Ye ar 12 Ye ar 13 Ye ar 14
Audite d Audite d Audite d Es tim ate d Pr oje ctions Pr oje ctions Pr oje ctions Pr oje ctions Pr oje ctions Pr oje ctions Pr oje ctions Pr oje ctions Pr oje ctions Pr oje ctions
SALES:
1. Domestic Sales 328.89 2,600.00 2,990.00 3,438.50 3,954.28 4,547.42 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2. Export Sales 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
GROSS SALES: 328.89 2,600.00 2,990.00 3,438.50 3,954.28 4,547.42 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Le s s : Excise Duty / Sales Tax 0.71 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Add: Other Operating Income 0.00 200.00 230.00 264.50 304.18 349.80 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
NET SALES: 328.18 2,800.00 3,220.00 3,703.00 4,258.45 4,897.22 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Incr e as e in Ne t Sale s (%) 753.20% 15.00% 15.00% 15.00% 15.00% -100.00% #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0!
COST OF SALES:
1. Raw M ate r ials 301.19 2,400.00 2,725.00 3,098.75 3,563.56 4,098.10 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
A . Imported 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
B. Indigenous 301.19 2,400.00 2,725.00 3,098.75 3,563.56 4,098.10 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2. Othe r Spar e s 4.96 25.00 31.75 35.01 40.26 46.30 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
A . Imported 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
B. Indigenous 4.96 25.00 31.75 35.01 40.26 46.30 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3. Pow er & Fuel 1.11 12.00 16.80 19.32 22.22 25.55 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4. Direct Labour 1.46 60.00 69.00 75.35 86.65 99.65 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5. Other Manuf acturing Expenses 2.22 4.67 5.37 6.18 7.10 8.17 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6. Depreciation / A mortisation 13.22 33.74 33.74 33.74 33.74 33.74 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7. Repairs & Maintenance 0.00 19.63 22.57 24.96 28.70 33.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8 Packing Material / Transportation 0.00 49.08 58.44 61.21 70.39 80.95 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
9 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
SUB TOTAL: 324.17 2,604.12 2,962.68 3,354.52 3,852.63 4,425.47 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Add: Opening Stock in Process 0.00 0.00 36.50 44.96 52.34 59.43 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Le s s : Closing Stock in Process 0.00 36.50 44.96 52.34 59.43 67.12 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
COST OF PRODUCTION: 324.17 2,567.62 2,954.22 3,347.14 3,845.54 4,417.78 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
COP as % of Gr os s Sale s 98.57% 98.75% 98.80% 97.34% 97.25% 97.15% #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0!
Add: Opening Stock of Finished Goods 0.00 3.52 146.29 311.43 392.85 467.15 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Le s s : Closing Stock of Finished Goods 3.52 146.29 311.43 392.85 467.15 531.76 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
COST OF SALES: 320.65 2,424.85 2,789.08 3,265.72 3,771.25 4,353.16 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Cos t of Sale s as % of Gr os s Sale s 97.49% 93.26% 93.28% 94.98% 95.37% 95.73% #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0!
Selling, General & A dmn. Expenses 3.37 123.49 135.84 142.63 149.76 157.25 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PROFIT BEFORE INTT. & TAX (PBIT) 4.16 251.66 295.08 294.65 337.44 386.81 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PBIT as % of Gr os s Sale s 1.26% 9.68% 9.87% 8.57% 8.53% 8.51% #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0!
Interest & Other Financial Charges 3.17 103.00 123.00 102.00 90.08 78.93 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Intt. & Fin. Char ge s as % of Sale s 0.96% 3.96% 4.11% 2.97% 2.28% 1.74% #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0!
OP. PROFIT BEFORE TAX (OPBT) 0.99 148.66 172.08 192.65 247.36 307.88 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
OPBT as % of Gr os s Sale s 0.30% 5.72% 5.76% 5.60% 6.26% 6.77% #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0!
Add: Other Non-operative Income
1. Interest & Dividend 0.42 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2. Exchange Prof it / Export Incentives 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3. Excess Provision Written Back 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4. Prof it on Sale of A ssets 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5. Sale of Scrap / other misc income 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
SUB-TOTAL (INCOM E) 0.42 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Le s s : Other Non-operating Expenses
1. Loss on Investment 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2. Loss on Forex 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3. Loss on Sale of Fixed A ssets 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4. Bad Debts Written Of f 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5. Miscellaneous Expenses Written Of f 0.46 4.15 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
SUB-TOTAL (EXPENSES) 0.46 4.15 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PROFIT BEFORE TAX / LOSS 0.95 144.51 172.08 192.65 247.36 307.88 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Tax Paid 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Def erred Tax Liability/(Def f ered Tax A sset) 11.82 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Provision f or Taxes 0.14 43.35 51.63 57.80 74.21 92.36 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
NET PROFIT / LOSS (PAT) -11.02 101.16 120.46 134.86 173.15 215.51 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PAT as % of Gr os s Sale s -3.35% 3.89% 4.03% 3.92% 4.38% 4.74% #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0! #DIV /0!
Equity / Pr e fe r e nce Divide nd Paid:
1. Equity Dividend 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2. Pref erence Dividend 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
RETAINED PROFIT -11.02 101.16 120.46 134.86 173.15 215.51 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Na me of the Compa ny :
2009-10 2010-11 2011-12 2012-13 2013-14 2014-15 2015-16 2009-17 Ye ar 9 Ye ar 10 Ye ar 11 Ye ar 12 Ye ar 13 Ye ar 14
Audite d Audite d Audite d Es tim ate d Pr oje ctions Pr oje ctions Pr oje ctions Pr oje ctions Pr oje ctions Pr oje ctions Pr oje ctions Pr oje ctions Pr oje ctions Pr oje ctions
CURRENT LIABILITIES (CL):
Short Term borrow ings f rom banks (including bill
purchased/discounted)
1. f rom applicant bank 403.18 400.00 500.00 550.00 550.00 550.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2. f rom other banks 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(Out of Total Bank Borrow ings - BP & BD) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
SUB-TOTAL 403.18 400.00 500.00 550.00 550.00 550.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
1. Short Term Borrow ings f rom others incl. CPs 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2. Sundry Creditors (Trade) 78.89 14.00 15.90 18.08 20.79 23.91 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3. A dvance Payment f rom Customers / Deposit f rom Dealers 22.29 0.00 20.00 46.31 66.14 85.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4. Provision f or Taxation 0.14 43.35 51.63 57.80 74.21 92.36 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5. Dividend payable 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6. Other Stat.Liabilities (due w ithin 1 yr.) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7. Instalments of TLs / Debentures / Pref .Shares / DPGs /
Deposits / Unsecured Loans etc. (due w ithin 1 yr.)
0.00 99.00 99.00 99.00 99.00 16.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8. Other CL & Provisions (due w ithin one year) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
9. Interest accrued bot not due 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
10. Dues to Directors 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(Rupe e s in Lak h)
(Rupe e s in Lak h)
II. BALANCE SHEET - LIABILITIES
I. OPERATING STATEMENT (To be f illed by the Dealing Group f rom Balance Sheet / Projections)
II. LIABILITIES (To be f illed by the Dealing Group f rom Balance Sheet / Projections)
I. PROFIT AND LOSS ACCOUNT
M/s Shre e Pre Fa b Sre e ls Priva te Limite d
M/s Shre e Pre Fa b Sre e ls Priva te Limite d
CRITERIA TERM LOAN WORKING CAPITAL
FACILITY
PROMOTERS
CONTRIBUTION
MINIMUM 25%
AND 30%
ADEQUATE MARGIN
INTEREST
COVERAGE
RATIO
MINIMUM 1.5 MINIMUM 1.5
DSCR ( project) AVERAGE 1.5 AND
EACH YEAR MIN 1.1
NOT APPLICABEL
LEVERAGE LONG TERM DEBT TO
EQUITY RATIO ( DER)
OF MAX 3:1 FOR
INFRASTRUCTURE
AND 2.5:1
TOL/TNWOF MAX 3.5
CURRENT
RATIO
MINIMUM 1.10 MINIMUM 1.10
11. SECURITY AND CHARGE
PRIMARY SECURITY
SECONDARY SECURITY
THIRD PARTY GUARANTEE
CHARGE
FIRST AND EXCLUSIVE CHARGE
SECOND AND EXCLUSIVE
PARI PASSU
12. CALCULATIONS
DRAWING POWER
ACCOUNT MONITORING
REGULAR STOCK STATEMENT
CALCULATION FOR DP
STOCK (RAW MATERIAL + STOCK IN
PROGRESS+ FINISHED GOOD STOCK) =
TOTAL STOCK
SUBTRACT
SUNDRY CREDITORS
=
CHARGEABLE STOCK
SUBTRACT
MARGIN (25% OF CHARGEABLE STOCK)
=
DP1
15. FINNACLE OPERARTION
FINNACLE Version 7.0.25 Various menu and options on finnacle version 7.0.25
CUMM : To create Customer ID, details of customer
a. To create new customer , master Function [A]
b. To modify existing customer details, Function [M]
c. To enquire particular customer details, Function [I]
1. OAAC: To open an account (Saving account)
- Customer Id
- Scheme code -> F4
- General Details [G] -> F4
- Interest Details [I] -> F4
- Scheme details [S] -> F4
- Nomination details [N] -> F4
- F10...........
2. TM: Transaction maintenance For ( Receipt, Payment and transfer)
Functions: - [A] ADD
- [D] DELETE
- [M] MODIFY
- [C] COPY
CASH RECEIPT: C/NR
CASH PAYMENT: C/NP
TRANSFER : T/CI
3. ACM: Customer account maintenance offer modification and enquiry of customers who’s
accounts are already opened
Functions: - [I] Enquiry
- [M] modify
4. SCEME CODE:
Functions: TD 113 (RD a/c)
TD101 (FDR, 1 year or above)
TD108 (FDR, less than a year)
5. ACLI: For balance enquiry
6. PBP: Pass book print
Put Account number, date ( F2 list of date wise transaction)
SHIFT F4 to select particular date .