APPLICATION FOR MICRO, SMALL & MEDIUM ENTERPRISES (MSME) FOR LOANS UP TO Rs.50.00 LAKH
(To be submitted along with documents as per the checklist)
1.
Name of the Unit / Applicant
2.
Regd. Office Address
3.
Address of the factory /Shop/ Business
Telephone No.
Mobile No.
E-mail ID
4.
Category
√
SC
ST
OBC
Minority
General
5.
Constitution
√
Proprietary
Partnership
Pvt. Ltd.
Ltd. Company
Co-op.society
Any Others (Specify)
6.
Date of Establishment
(DD/MM/YYYY)
PAN No
7
Details of Proprietor/Partners/Directors Of Company*
First
Second
Third
Name
Age (year)
Academic qualification
Residential address
PAN No.
Telephone no./Mobile
Years of Experience in the line
*Use separate sheet, if required.
PNB-1166
2
8.
Line of activity
Existing :
Proposed (#)
# if a different activity other than existing activity.
9. Names of Associate Concerns and Nature of Association
Name of the Associate concern
Addresses of the Associate Concern
Presently Banking with
Nature of Association
Extent of Interest as a Prop./Partner Director/or Just investor in Associate concern
10.
Relationship of Proprietor/Partner/Director with the officials of the Bank/Director of the Bank
10(a)
Credit Facilities (Existing)
Type of facilities
Limits
(in lakhs)
Outstanding as on ………
Presently banking with
Security lodged
ROI
Repayment terms
Current Account
Cash Credit
Term Loan
LC/BG
If Banking with PNB, customer ID to be given,
10(b)
It is certified that our unit has not availed any loan from any other Bank/Financial Institution in the past and I am no indebted to any other Bank/Financial Institution other than those mentioned in 10(a) above.
11
Credit Facilities (proposed)
Type of Facilities
Amt.
(In lakh)
Purpose for which required
Security offered
Primary security (details with approx. value to be mentioned)
Whether collateral security offered
Cash Credit
Yes/No
Term Loan
Yes /No
LC/BG
Yes/No
3
12. In case of term loan requirements, details of proposed machinery/Equipments:-
Type of Machine/ Equipments
Purpose for which required
Whether imported or indigenous
Name of supplier
Total cost of machine (in case if imported machine, the break-up of basic cost , freight, insurance and customs duty may be given)
Contribution being made by the promoters
Loan required
Total
13. Details of collateral security offered, if any including 3rd party guarantee:-
(* As per RBI guidelines banks are not to take collateral security for loans upto Rs. 5 Lakh to MSME Units)
(a) Immovable Property:-
Details
Area
Valuation
(b) Guarantee if offered:-
Name
Address
Nature of Connection
Estimated means
Telephone/
Mobile No.
PAN No.
Others limit sanctioned
14.
Past performance/future estimates (Actual performance for two previous years, estimates for current year and projections for next year to be provided for working capital facilities. However for term loon facilities projections to be provided till the proposed year of repayment of loan on separate sheet)
Amount in Lakh
Past Year II
(Actual)
Past Year I (Actual)
Present Year (Estimates)
Next Year (Projections)
Net Sales
Net Profit
Capital (Net Worth in case of companies)
4
15
Status regarding statutory obligations
Statutory Obligations
Whether complied with) Write Yes/No). If not, applicable then write NA
Remarks (Any details in connection with the relevant obligation to be given)
1.
Registration under shops and Establishment Act
2.
Registration under SSI (Provisional/Final)
3.
Drug License (if applicable)
4.
Latest VAT Tax Return Filed
5.
Latest Income Tax Return Filed
6.
Any other statutory dues remaining outstanding
7.
Any other specify
16.
SPACE FOR THE PHOTO
SPACE FOR THE PHOTO
SPACE FOR THE PHOTO
SIGNATURE
SIGNATURE
SIGNATURE
Only one photo of proprietor/each partner/each working Director is required to be affixed.
I/We certify that all information furnished by me/us is true; that I/We have no borrowing arrangements for the unit except as indicated in the application; that there is no overdue/statutory dues against me/us/promoters except as indicated in the application; that no legal action has been/is being taken against me/us/promoters that I/We shall furnish all other information that may be required by you in connection with my/our application that his may also be exchanged by you with any agency you may deemed fit and you, your representatives,. representatives of the Reserve Bank of India or any other agency as authorized by you, may at any time, inspect/verify my/our assets, books of account etc. in our factory/business premised as given above.
Date………..
Place……….
Signature of Applicant (s)
For Branch use:
1. Application received and entered.
2. Acknowledgment given to applicant.
3. Photo & Signature of applicant should be attested/verified by Branch official.
Signature of Branch Official
5
CHECK LIST OF DOCUMENTS TO BE SUBMITTED BY THE CUSTOMER
1) Proof of identity – Voter’s ID Card/Passport/Driving License/PAN Card/signature identification from present bankers of proprietor, partner or Director (if a company).
2) Proof of residency – Recent telephone bills, electricity bill property tax receipt/voter’s ID Card of proprietor, partner or Director (if a company)
3) Proof of business address
4) Proof of Minority
5) Last three years balance sheets of the units along with income tax/sales tax returns etc. (Applicable for all cases from Rs.2 lakhs and above). However, for cases below fund based limits of Rs.25 lakhs if audited balance sheets are not available then un-audited balance sheets are also acceptable as per extant instructions of the bank. For cases of Rs.25 lakhs and above, the audited balance sheets are mandatory.
6) Memorandum and articles of Association of the Company/Partnership Deed of partners etc.
7) Assets and liabilities statement of promoters and guarantors along with latest income tax returns.
8) Rent Agreement (if business premises on rent) and clearance from pollution control board if applicable.
9) SSI registration or any other registration certificate, if applicable.
10) Projected balance sheets for the next two years in case of working capital limits and for the period of the loan in case of term loan (For all cases of Rs.2 lakhs and above)
11) In case of takeover of advances, sanction letters of facilities being availed from existing bankers/Financial Institutions along-with detailed terms and conditions.
12) Profile of the unit (includes names of promoters, other directors in the company, the activity being undertaken, addresses of all offices and plants, shareholding pattern etc. (APPLICABLE FOR CASES WITH EXPSOURE ABOVE RS.25 LAKHS)
13) Last three years balance sheets of the Associate/Group Companies (If any). (APPLICABLE FOR CASES WITH EXPOSURE ABOVE Rs25 LAKHS)
14) Project report (for the proposed project if term funding is required) containing details of the machinery to be acquired, from whom to be acquired, price, names of suppliers, financial details like capacity of machines, capacity utilization assumed, production, sales, projected profit and loss and balance sheets for the next 7 to 8 years till the propose loan is to be paid, the details of labour, staff to be hired, basis of assumption of such financial details etc. (APPLICABLE FOR CASES WITH EXPOSURE ABOVE RS. 25 LAKHS)
15) Review of account containing month-wise sales (quantity and value both), production (quantity and value), imported raw material (quantity and value), indigenous raw material (quantity and value), value of stocks in process, finished goods (quantity and value), debtors, creditors, bank’s outstanding for working capital limits , term loan limits ,bills discounted. (APPLICABLE FOR CASES WITH EXPOSURE ABOVE RS, 25 LAKHS.)
16) Photocopies of lease deeds/title deeds of all the properties being offered as primary and collateral securities.
17) Position of accounts from the existing bankers and confirmation about the asset being Standard with them (In case of takeover).
18) Manufacturing process if applicable, major profile of executives in the company, any tie-ups, and details about raw material used and their suppliers, (details about the buyers, details about major competitors and the company’s strength and weakness as compared to their competitors etc. (APPLICABLE FOR CASES WITH EXPSOURE ABOVE RS. 25 Lakh)
(The Check is list is only indicative and not exhaustive and depending upon the local requirements at different places addition could be made as per necessity).