TJ Financial consultancy & Investments Pvt ltd

Since 1988

MSME Customer Sales Documentation

Ver 1.0

Mar 31 2023
TJFC’s Mission TJ Financial consultancy & Investments Pvt

statement
ltd
Since 1988

To become an organisation, Living entity that transcends the founding members

that supports financial inclusion, What is the organisation’s larger purpose?

by empowering MSME & businesses & How to achieve the purpose?

and growing our business with integrity

KYC TJ Financial consultancy & Investments Pvt

Documents
ltd
Since 1988

Sales team comments

S.No Document Details
( write key points captured )

1 Aadhar Customer as well as Guarantor(s)

2 PAN Customer as well as Guarantor(s)

Of the customer to understand the

3 Gas connection
relocation history
Incorporation documents including regulatory
4 Business registration approvals as applicable . Check place of business
& customer name.
5 Udyam registration Central government central registry

Check if place of business & customer name

6 GST registration
matches with GST registered address

7 CIBIL score Provided by customer or taken at head office

 Business & financial documents
TJ Financial consultancy & Investments Pvt
ltd
Since 1988

Sales team comments

S.No Document Details
( write key points captured )
1 Business profile of customer Through personal discussion (PD) . See attached

2 Job of Guarantor with salary proof

3 EB ( place of business ) track record

4 Employee salary payment track record

5 EPF/ESI payment track record

6 Place of business/machinery Insurance

7 Income Tax documents ITR, balance sheet for past 3 years

8 GST statements For the past 12 months

9 Bank statements In excel, of all banks, for past 12 months

List out all assets, including lands, house, vehicles

10 List of assets
share/ mutual funds

11 List of loans List out all loans including loan approval document

12
Business profile (PD) : TJ Financial consultancy & Investments Pvt ltd

expectation Since 1988

Questions Expected response Sales team action

Category of business ( Fabrication, manufacturing, trading etc )

What is the nature of business check with Udyam registration
and sector ( auto ancillary, leather, Pharma etc)
Married/Unmarried, number of kids and their education status,
Family profile Capture kids school name
other elders staying together

Products and services Details of all products and services provided by the business

ITR returns & market sources,

Years of business Numerical years in this specific business
incorporation certificate
Clearly distinguish number of Full time employees as well as part-
How many employees
time/ wages

What is the revenue for the past 4 Provide the overall revenue in rupees for the past 4 years
years
What are the financials of sales and
See Annexure attached
operations

Customer details Top 5 customer including contact details as appearing in invoice Calling the customers

Supplier details Top 5 supplier including contact details as appearing in invoice Calling the supplier

Clear reasons with details of costing ( Ex: purchase XYX machine Validate if the costing is correct. Also analyse if
Purpose of Loan
which cost 5L, working capital towards purchase of supplies etc ) the expense can be in tranches to minimise
credit
Business TJ Financial consultancy & Investments Pvt ltd

profile
Since 1988

Questions Customer response Sales team comments/validation

What is the nature of business

Family profile

Products and services

Years of business

How many employees

What is the revenue for the past 4

years

Customer details

Supplier details
Purpose of Loan
Annexure - expense - TJ Financial consultancy & Investments Pvt ltd

1
Since 1988

Monthly or
Category Value in Rupees or % ) Comments
Yearly

Typical sales from < > Elaborate for all customers, include cash & carry, other sale ( ex: scrap)

Typical sales from < >

Typical sales from < >

Other business Income of the customer If the customer has other businesses

Rental Income of the customer

Agricultural Income of the customer

Income from employment of customer &

his family

Business place monthly rent

Business place monthly electricity charges
Annexure - expense - TJ Financial consultancy & Investments Pvt ltd

2
Since 1988

Monthly or
Category Value in Rupees or % ) Comments
Yearly

Material & consumable cost If its % of the overall revenue , mention that clearly

Machine/plant maintenance cost If its annual please mention clearly in response

Monthly salary expenses Include both full time as well as wages/labour

Monthly loan re-payments ( from all loans Separate out the payments for individual loans
)

Other monthly financial payments Insurance ( life, vehicles ) premiums

Monthly family maintenance expenses
 TJ Financial consultancy & Investments Pvt ltd
Since 1988

Thank you