Check-list to be submitted along with Appraisal Note of Spokes (Dealers / Vendors)
Sr. Documents / Papers / Information Obtained Remarks, if any
No. (Y / N / NA)
1 Loan Application Form / Request Letter from the party (For1. Yes --
fresh limits / review / review with increase / review with
decrease)
22. KYC Documents, i.e. proof of identity, address of 6. Yes 7.
registered office / corporate office / shop / go-down, PAN,
Aadhaar, Passport, etc. (whichever applicable) of
Promoters & Borrower Firm / Company.
3.
4. Scrutinizing statement of accounts (CA/CC/OD/TL) of last -
6- months, CIBIL check (Personal & Commercial), CERSAI
check, ROC Search, CRILC SMA-2, Probe-42, accessing
various internet sites, approvals/clearances/licences from
appropriate authorities, Insurance policies, etc. for Due
Diligence.
5.
Note: Please confirm in the remarks that copies of papers /
documents taken from the customer for KYC & Due
Diligence are verified with originals. Also, if any cheque
returns, over dues, anything adverse is noticed in
statement of account, please mention the same under
‘Remarks’ column.
3 Memorandum of Association (MOA)/ Articles of 8. TIN
Association (AOA) / Certificate of Incorporation (COI) / registration
Partnership Deed / License under Shops & Establishments No
Act. / SSI Registration Certificate. (Whatever applicable as
per the constitution of the borrower)
4 Brief write-up on background of the company / firm and Mentioned
promoters / partners / directors including the following: in Appraisal
Note
a) Nature and details of all the business activities being
carried out by the Company / Firm.
b) Major buyers and suppliers of the products of the
Company / Firm.
c) Experience of the promoters / directors / partners in the
main business activity.
d) Growth / Expansion plans of the Company / Firm, if
any.
e) Other important / relevant information, if any.
Note: If the above issues are addressed in the ‘Appraisal
Note’, then the same may be mentioned accordingly in the
‘Remarks’ column.
5 Latest Shareholding pattern with list of major shareholders NA
(in case of companies)
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6 Pre-Sanction visit report as per prescribed format. Yes
Sr. Documents / Papers / Information Obtained Remarks, if any
No. (Y / N / NA)
7 Copy of external credit rating, if applicable. NA
8 Details of security offered (type, nature, full description, Proposed
etc.) and security coverage. In case of immovable FDR to the
property, details such as location, size area, owner, tune of Rs.
realizable market value, security coverage, etc. to be 6.25 Lakhs
incorporated in the proposal.
Note: In case of security in the form of immovable
property, Title opinion report and Valuation report in
prescribed formats to be obtained & submitted as per
extant guidelines.
9 Form 135 / 117 A with supporting documents in respect of Yes
Net Worth of Directors / Promoters / Proprietor/ Partner/ Attached
Guarantor OR Net Worth certificate signed by a practicing
Chartered accountant.
10 Due diligence report from CA/CS in case of limits of Rs. NA
5.00 crores & above (in case of companies).
11 Audited financial statements (last -3- years) along with Attached
CMA Data (last -3- years audited, current year estimated &
next year projected) / ITR / Sales Tax / VAT Returns.
12 Copy of contract / dealership agreement with the Anchor. Yes
13 Present Banking arrangement of the Spoke (Both Term Mentioned
Loans and Working Capital – FB / NFB) in Appraisal
Note
Sr. Name of Bank Sanctioned Present
No. Limit O/s
14 Details of associates/subsidiaries/group concerns: NA
Sr. Name of Limits Total Bank If limits from BOB,
No. the Firm / Rs. crores Rs. from Ref. of last
Company crs. which sanction / Review
FB NFB availing Date Authority
limits
Total
15 Purchase / Sales history with the Anchor: Yes
(Rs. in crores) Account
Particulars Year-1 Year–2 Current Full Next Statements
Supply Chain Finance_BCC Page 2 of 3
Audited Audited year till last Current Year attached
completed Year Projected
month Estimated
Purchases
Dealer from Anchor
Finance Total
Purchases
Sales to
Vendor Anchor
Finance
Total Sales
Details to be provided in the above table as per type of
finance i.e. Dealer Finance OR Vendor Finance, whichever
is applicable.
Notes:
1. This check-list is to be sent duly filled-up with remarks, if any, along with Spoke (Dealer /
Vendor) Appraisal Note to Centralized ‘Supply Chain Finance’ dept., BCC, to ensure that
nothing relevant is skipped and all the requisite information is obtained & incorporated in the
Appraisal Note under relevant heads.
2. Also, copies of relevant documents / papers to be submitted to Central SCF, BCC along
with Spoke (Dealer / Vendor) Appraisal Note. Further, one set of documents / papers to be
retained at SMELF and another set of the same to be sent to concerned Branch after
sanction of limits.
3. Where the spoke is located in an area not under the purview of any SME Loan Factory, then
this activity will be carried out by respective Regional office.
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