STATE BANK OF INDIA

_______________ BRANCH

SMALL BUSINESS FINANCE
Interview Form For Loans above Rs.25,000/-

(To be submitted to the Sanctioning Authority along with the Application Form)

To be used for :
(i) Retail Traders and Business Enterprises
(ii) Equipment Finance and Working Capital (new / enhancement)
1. GENERAL
1.1 Application for : Equipment finance
(new / enhancement)
Working capital
1.2 Name of the applicant :
1.3 Date of establishment :
1.4 Whether the business premises are Own / rented / leased
1.5 Name of proprietor / partners Age Educational Past
Qualification Experience
1.6 Are basic books of account being maintained?
(if not, steps should be initiated to introduce them)
1.7 Will applicant be able to route his trade proceeds through the Bank?
If not, what difficulties prevent him from doing so?
1.8 Names and addresses of associate concerns, if any.
2. MARKETING
1.1 Commodities traded in or services offered
1.2 Sources / major suppliers of the commodities
1.3 Number of firms engaged in similar activity in the same locality
1.4 How will the competition be met successfully?
2. ANTICIPATED PERFORMANCE
2.1 In the case of existing units, performance in the past two years
Year Sales Net Profit
2.2 Projected turnover in 20_ _
2.3 How is the anticipated turnover considered
Feasible of achievement
2.4 Particulars of Sales Tax & Income Tax assessment
3. WORKING CAPITAL REQUIREMENT FOR THE ANTICIPATED
TURNOVER
(Amount in Rupees)
Value Margin
% Amt.
Permissible Limit
i. Average level of stocking Rs. Rs. Rs.
ii. Average level of outstanding
debtors at any one time
Rs. Rs.
iii. Total (i + ii) Rs. Rs. Rs.
Total Working Capital Required : Rs._____________
(Value column of the above)
Less Credit available from suppliers : Rs.___________
Less Margin : Rs.___________ Rs.______________
Working capital loan required Rs.______________
4.1 Repayment programme if any, for the loan :
4. FINANCE FOR EQUIPMENT
4.1 Requirements (Proforma invoices / estimates to be attached)
Sr.No. Item Supplier Cost in Rs.
Total Rs. ______________
Less : Applicant’s contribution _______ (%) Rs. ____________
Loan required from the Bank Rs._____________
4.2 Need for the equipment
4.3 Repayment Programme
(i) How long will it take for the equipment to be
Erected/anticipated sales to be reached?
(ii) Start-up period required
(iii) Repayment Programme
5. SECURITY
5.1 Primary
(for working capital and term loan to be indicated separately)
5.2 Full details relating to collateral security, if any
(If there is a guarantor, his borrowings, in any capacity, from
the Bank to be mentioned)
6. REMARKS
Date :
Place (Signature of the applicant)
(FOR BANK’S USE)
Name of the Bank official who interviewed the applicant :
Name Designation
_____________________________________________ ________________________
APPRIASAL MEMORANDUM
8. RECOMMENDATIONS
8.1 In the case of units already on our books
(i) Position of accounts as on _________________
Facility Limit Advance value
of security
Drawing Power Outstanding
(ii) Comments on the past conduct of accounts
8.2 Financial Position ; Analysis of Balance Sheet as per Appendix II
8.3 Summary of Performance & Balance Sheet Analysis
__/__/20__ __ ___/__/20__ __
Total turnover
Total Purchases
Net Profit
Net Profit / Sales (%)
Current Ratio
8.4 Remarks on the trend in sales, profit, liquidity and the general f inance position:
8.5 (a) Repayment Programme
(b) Repayment capacity
(i) Net surplus anticipated (Item 10 of Appendix 1) Rs.
(ii) Add back depreciation (Item 6 of Appendix 1) Rs.
_______________
(iii) Total cash accruals (i + ii) (A) Rs._______________
(iv) Annual Repayment obligations
(a) Towards existing term loan from bank Rs.
(b) Towards proposed term loan from bank Rs.
(c) Towards working capital loan from bank Rs.
(if stipulated)
(d) Towards other term obligations Rs.
(to be specified)
_________________
Total (B) Rs.
_________________
(v) Debt Service Ratio (B:A)
8.6 Is the anticipated turnover reasonable, keeping in view the applicant’s experience
/ past performance and the market potential in the locality?
8.7 Weaknesses in the firm which may require counseling from the Bank
8.8 Limits sanctioned / recommended
Facility Limit Margins Repayment
Existing Proposed
8.9 Stipulations
Recommended Recommended/Sanctioned Recommended/Sanctioned
Recommending Recommending/ Recommending/
Officer Sanctioning Officer Sanctioning Officer
Date Date Date
____________________
Appendix – I
SMALL BUSINESS
PERFORMANCE ANALYSIS
Name of the Unit :
In the case of Existing Units Existing and new
Units
Particulars
Last Year This Year Next year
(Projection)*
1. Sales
2. Stocks
3. Salary
4. Rent and Electricity
5. Others
6. Depreciation
7. Total Expenses (2+3+4+5+6)
8. Net Profit (before tax)
9. Tax on Profit
10. Net surplus (8-9)
* To be filled in, in the case of Term Loans only.
Appendix – II
ANALYSIS OF BALANCE SHEET
(Analysis of three years Balance Sheets to be done, if they are available)
Name of the Unit :
LIABILITY Last Three Years ASSETS Last Three Years
20___ 20___ 20___ 20___ 20___ 20___
Current
Liabilities
Our Bank
Other Banks
Sundry Creditors
Expenses
Loans
Others
Current
Assets
Cash
Investment
Stocks
Stores
Sundry debtors
Others
Sub total Sub total
Term Liabilities
Our Bank
S.F.C etc.
Loans from friends/
Relatives
Fixed Assets
Land &
Buildings
Plant &
Machinery
Others
Sub total Sub total
Capital &
Reserves
Capital
General
Reserves
Development
Rebate
Others
Miscellaneous
Investment in
Associates
Other (Specify)
Intangibles
(please specify)
Total Total
Liquid surplus (Current assets – Current liabilities) Rs._______________
Deficit (Current Liabilities – Current assets) Rs._______________