SME CITY CREDIT CENTRE
APPLICATION FOR CASH CREDIT / TERM LOAN UNDER SME CREDIT CARD

1 Name of the unit
2 Name of the Partners
3
Category of Unit
1 for SSI
2 for P & SE
3 for Retail Traders
4 for B/E
4
Constitution
5
Business address
6
Residential address
7
Age
8
Owning a House
1 for Own
2 for Own No mortgage
3 for Not Owning
9
Academic Qualification
1 for Technical
2 for Professional
3 for Graduate
4 for Undergraduate
10
Spouse Details
1 for Employed
2 for Not Working
11
Income Assessed under I Tax
1 for Yes
2 for No
12
Taken Life Insurance Policy
1 for Yes
2 for No
13 Whether belongs to 1 for SC/ST
2 for Minority
Community
3 for Male
4 for Female
5 for Ex-serviceman
14
SSI Registration Number
15
PAN Number
Gross Income
BUSINESS DETAILS
16
Description of Activity
17
Dealing with Business since
18. PROJECT DETAILS
Cost of Project Amount Means of Finance Amount
Fixed Assets Working Capital
Term Loan
Current Assets Other
Total Total
19. TRACK RECORD
Years 2003-2004 2004-2005 2005-2006 2006-2007 2007-2008
Sales
Depreciation
Profit
20 Credit Summations
21 Repayment of existing loan
1 for prompt / no loan
2 for irregular.
22 Banking with SBI
Details of Deposit A/c since 20 years
Details of Advances A/c since 20 years
Loans Prepaid
23 Marketing Arrangement
1 for tie up
2 for ancillary unit
3 for other
24 Financial Ratios TOL/TNW RATIO
CURRENT RATIO
DSCR
25
Amount of Loan Required
26. I/We certify that (i) all information furnished by me/us is true, correct and complete; (ii)
I/We have no borrowing arrangement for the unit with any Bank as except indicated in the
application; (iii) there are no over dues/statutory dues against me/us; (iv) no legal action has
been taken against me/us; (v) I/We shall furnish all other information that may be required by
Bank in connection with my application; (vi) the information may also be exchanged by you
with any agency you may deem fit; (vii) you/your representatives or any other agency as
authorized by you may at any time inspect/verify my/our assets, books of accounts etc. in our
factory/business premises as given above; (viii) you may take appropriate safeguards/action
for recovery of Bank's dues including publication of defaulters name in web site/submission
to RBI; (ix) I/We further agree that my/our loan shall be governed by the rules of State bank
of India which may be in force from time to time.
Place: Mumbai
Signature of Borrower
NAME OF THE UNIT: M/S _________________
(CEO - SHRI. _____________________________)
SCORING MODEL - SME CREDIT CARD
Sr. No. And Parameters Max Marks Marks scored Criteria Marks
1. Age 3
18-30
31-45
46 & above
3
2
1
2. Owning House 3
Own(NM)
Own(M)
Not owning
3
2
0
3. Academic Qualification 5
Technical
Professional/PG
Graduates
Less than grad.
5
4
3
2
4. Experience in line of trade 4
More than 5 yrs
3-5 years
1-3 years
Less than 1 yr
4
3
2
1
5. Loyalty (Deposits /Advances) 3 3
Dealing with SBI More than
3 yrs
1-3 years
Less than 1 yr
3
2
1
6. Spouse details 2
Employed
Home Maker
2
0
7. Assessed For IT 2
Assessed
Not assessed
2
0
8. Has Life Insurance Policy 2
Yes
No
2
0
9. Track Record of repayment of
personal loan
3
Prompt/No loan
Irregular
3
0
10. Continuous Profits 5
Last 5 years
Last 3 years
Last year
5
3
1
11. Sales show rising trend 5
Last 5 years
Last 3 years
Last year
5
3
1
12. Marketing 3
Tie up arrngt.
in operation
Ancillary
Others
3
2
1
13. TOL/TNW 5
Less than 1
1 to 2
2 to 4
More than 4
5
4
3
0
14. CA/CL(Current Ratio) 5
More than 1.33
1 to 1.33
Less than 1
5
3
0
15. D.S.C.R. (5)
More than 2
1.5 to 2
1 to 1.5
Less than 1
5
3
2
0
16. Routing of sales turnover
through the account
5
100%
75%
50%
<50%
5
4
3
1
TOTAL (NORMALISED TO 60) 60
NB: In case, any of the above parameters is not applicable, the scoring should be normalised out of 60.
Normalised to 60, the score secured is
Vavilala Ramakrishna
Credit Officer