STATE BANK OF INDIA
_____________ BRANCH

SMALL BUSINESS FINANCE
(For All categories of motor-driven Transport Operators)
Interview – cum- Appraisal Form

(Equipment Finance / Working Capital)
1. Personal Data
1.1 Name of the applicant
1.2 Business address
1.3 Constitution
1.4 Experience
Name (s) of proprietor / partner /
Office bearers of co-operative society
Age
Previous Experience
1.5 If already owning vehicles, details
(like type, year of manufacture, cost
price, present estimated value,
income there from, if a loan has been
taken against them etc.)
1.6 Whether the vehicle will be driven
by the applicant
1.7 Staff employed
1.8 In the case of owner – drivers
(a) Number of dependents in the
Family
(b) Minimum sustenance amount
Required for the family
(c ) Present monthly income
(d) Whether belonging to scheduled
caste / tribe
(e) If owning land, its size
2 Data on the vehicle proposed to purchased
2.1 Type, make and year of manufacture
2.2 Fuel used
2.3 Dealer’s name and address
2.4 Cost : (Proforma invoice to be enclosed. In the case of second hand vehicles,
valuation certificates from two reputed dealers workshops to be enclosed)
(i) Chassis Rs.
(ii) Body building Rs.
(iii) Others ( ) Rs.
Total
Applicant’s contribution Rs.
Loan required
2.5 If a working capital loan is required, details relating to purpose (enclosing
estimates / invoices, where applicable) amount involved, etc.
2.6 Amount of working capital required Rs.
3. Operational viability
3.1 Carrying capacity of the vehicles
(persons / load)
3.2 Route on which or area where the vehicle
will operate
3.3 Position relating to the obtaining of the
Necessary licence / permit
3.4 Anticipated monthly earnings
3.5 Factors which assure the applicant of
Achieving the above earnings and of a
Successful business in his area of operation
3.6 Particulars of Sales Tax & Income Tax
Assessments
4 Repayment
4.1 Start-up period required, with
reasons
4.2 Monthly repayment towards
Existing Bank loan Rs.
4.3 Monthly repayment towards
Proposed Bank loan Rs.
4.4 Monthly repayment towards other
Borrowings (to be specified) Rs.
4.5 Total Rs. (A)
4.6 Anticipated net cash accruals as per
Enclosure Rs. (B)
4.7 Debt service ratio : B:A
5. Security
6. Any other remarks
Date Signature of the Borrower
Place
Name of the Bank official who interviewed the applicant:
Name Designation
7. Remarks of the Credit Appraisal official
8. Loan recommended / sanctioned with stipulations
Signature of the Signature of the
Recommending Officer Sanctioning Authority
Date:
TRANSPORT OPERATORS
OPERATIONAL VIABILITY
1 Income per month
(i) Number of days in a month the vehicle will be on the road
(ii) Number of kilometers it will run per day
(iii) Fare / rate per kilometer Rs.
(iv) Average income per month Rs. (A)
(v) Any other (outside)income Rs.
(vi) Total income (iv) + (v) Rs. (B)
2. Expenses per month
(i) Fuel cost per month = (x*Y*Z) / N
Where
X = No. of days the vehicle will run per month
Z= Cost of fuel per litre
Y= Kilometers run per day
N = No. of kilometers the vehicle will run per litre
(ii) Motor and other municipal taxes Rs.
(iii) Insurance premium Rs.
(iv) Garage rent Rs.
(v) Depreciation Rs.
(vi) Interest on borrowings Rs.
(vii) Maintenance expenses Rs.
(viii) Cost of oil, spares, etc. Rs.
(ix) Staff salary Rs.
(x) Drawings of the operator Rs.
(xi) Others Rs.
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Total Expenses Rs. (C)
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3. Surplus : B – C Rs.
Less Income tax, if any Rs.
Net surplus Rs.
Depreciation added back Rs.
4. Net cash accruals Rs.