Application for Credit Facilities under UCO Vyapar Samridhi Scheme

Annexure-I

To
The Branch Manager Date: _______________
UCO Bank
……………………….. Branch

1. Name of the Enterprise* _______________

2. Regd. Office Address* __________________

3. Address of Factory/Shop* __________________ Photograph

4. Premises (Owned/Rented/Leased) ________________

5. Telephone No.* __________

6. E mail Address*_______________

7. Mobile No.* __________

8. PAN Card No. _______________

9. Constitution (Please Select)* Individual/Joint/Prop. Concern/Partnership/Pvt Ltd Co/Limited

Co/Trust/others

10. GST No./Udyog Aadhaar No./Registration No. _______________

11. Date of Establishment/Incorporation* ___________

12. State *__________

13. City where loan is required* __________ District_____________

14. Branch where loan is required. (If any) ___________

15. Name of Proprietors/ Partners/ Directors of Company and Their Addresses: *

Gender
(Male/ Category
S. Date of Father/ Female/ Academic SC/ST/OBC/
Name Mobile No
NO. Birth Spouse Third- Qualification Minority/
gender) Women

1.

2.

3.
16. Activity* Existing _______ since _________

Proposed# _________

#if a different activity other than existing activity is proposed/new unit

17. i) Whether the MSME unit is ZED rated (Yes/No) ________________________

ii) If yes, the gradation obtained by the MSME unit (Tick appropriate one)

Bronze Silver Gold Diamond Platinum

18. Names of Associate Concerns and Nature of Association:

Name of Associate Address of Associate Presently Banking With Nature of Association Extent of Interest as a
Concerns Concerns Prop./ Partner/ Director
or Just Investor in
Associate Concern

19. Relationship of Proprietors/Partners/Directors with the officials of the Bank/Director of

the Bank: Please select (Yes/No) _____

20. Banking/Credit Facilities (Existing) (amount in lakh)

Type of Limit (in Outstanding Presently Securities Rate of Repayment

Facilities lakh) as on Banking Interest Terms
With

Current
Account
Cash
Credit
Term Loan
Total
If banking with our Bank, customer ID be given here: __________
It is certified that our unit has not availed any loan from any other Bank / Financial Institution
in the past and I am not indebted to any other Bank / Financial Institution other than those
mentioned in column no. 20 above.
21. Credit Facilities (Proposed)*

Type of Amount Purpose for Security Offered

Facilities (in lakh) which Primary Whether Collateral Security
Required Security(Details with Offered (If , yes, then provide
approx. value to be details on column-20)
mentioned) (Yes/ No)
Cash
Credit
Term
Loan
LC/BG
Others
Total
*Mandatory Fields
**Basis of Cash Credit Limit applied

Projected
Cash Sales Working Inventory Debtors Creditors Other Promoters
Credit Cycle in current Contribution
months assets

22. In case of term loan requirements, the details of machinery may be given as under:

Type of Purpose Whether Name of Total Cost Contribution Loan

Machine/ for which Imported Supplier of Machine being required
Equipment Required or ( in case of made
Indigenous imported by the
machine, promoters
the
breakup of
basic
costs,
freight,
insurance
and
customs
duty may
be given)

23. Details of Collateral Securities Offered, if any, including third party guarantee (As per RBI
guidelines banks are not to take collateral security for loans upto Rs. 10 Lakhs to MSME Units)
a) Third Party Guarantee:

[Link] Name of Father Residential Telephone Mobile Net Aadhar PAN

Guarantor / Address No. No. worth No. No
Spouse (Residence) (Rs. in
name lakh)
1.
2.
3.

b) Other Collateral Security (if offered):

[Link] Name of owner of Collateral Security

Collateral
Nature Details Value (Rs. in
lakh)
1.
2.
3.

4. Past Performance / Future Estimates

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 loan facilities projections to be provided till the proposed year of
repayment of loan)
Rs. in lakh Past Year Past Year Present Next Year Installed Utilized
1 (Actual) 2 (Actual) Year (Projection) Capacity Capacity
(Estimate)
Net Sales
Net Profit
Capital (Net
Worth in
case
of
Companies)

25. Status Regarding Statutory Obligations:

Statutory Obligation: Remarks (Any details in Connection with the relevant obligation to be
given)

Whether Complied with (select Yes /No). If not applicable then select N. A.
1. Registration under Shops and Establishment ACT Yes/ No/ NA
2. Registration under MSME (Provisional /Final) Yes/ No/ NA
3. Drug License Yes/ No/ NA
4. Latest Sales Tax Return Filed Yes/ No/ NA
Yes/ No/ NA
[Link] Income Tax Returns File Yes/ No/ NA
[Link] other Statutory dues remaining outstanding Yes/ No/ NA
26. ID & Address proof:

a) ID Proof (Any of following):

Passport/Voter Identity Card/PAN Card/Driving Licence/Job Card/Aadhaar Card/Identity
Card (subject to the satisfaction of bank)
ID Proof No. _________________

b) Address Proof (Any of following):

Electricity Bill/Telephone Bill/Bank Account Statement of any other bank/Letter from
reputed employer/Letter from recognized public authority verifying the address of the
customer to the satisfaction of the bank/Ration Card
Address Proof No. __________________

Declaration:
I/We hereby certify/authorise that all information furnished by me/us is true, correct and
complete; that I/We have no borrowing arrangements for the unit except is in the application;
that there is no over dues/ statutory dues against me/us/promoters except as indicated in the
application; that I/We have not been declared as defaulter/wilful defaulter by any Bank/FS and
no Legal action has been taken/initiated against me/us by any Bank/FIsI/We shall furnish
all other information that may be required connection with my/our application that this may
also be exchanged by you with an agency you may deem fit and you, your
representatives or Reserve Bank of India or any other agency as authorised by you, may at any
time, inspect/ verify my/our assessment of account etc. in our factory/business premises as given
above; you may take appropriate safeguards/action for recovery of Bank’s dues including
publication of defaulters name in website/submission to RBI; further agree that my/our loan
shall be governed by the rules of your Bank which may be in force from time to time.

Signature:

To be signed at the designated branch only:

CHECK LIST

1. Proof of Identity: Voter’s ID Card/Passport/Driving License/PAN Card/Signature

identification from present bankers of proprietor, partner of director (if a company) (not
mentioned at 26 A above)
2. Proof of residence: Recent telephone bills, electricity bill, property tax receipt/Passport/
voter’s ID Card of Proprietor, partner of Director (if a company)
3. Proof of business Address (The list differs from 26 B above)
4. Applicant should not be defaulter in any Bank/F.I.
5. Last three years balance sheets of the units along with income tax/sales tax returns etc.
(Applicable for all cases from Rs. 2 lakh and above) However, for cases below fund based
limits of Rs. 25 lakh if audited balance sheets are not available, then
unaudited balance sheets are also acceptable as per extant instructions of the bank.
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/MSME registration 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 lakh 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. Photocopies of lease deeds/title deeds of all the properties being offered as primary and
collateral securities.
13. Position of accounts from the existing bankers and confirmation about the asset being
standard with them. (in case of takeover).
14. Copy of GST return if applicable.

For Cases With Exposure above Rs. 25 Lakhs

15. The audited balance sheets are necessary.

16. 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.
17. Last three years balance sheets of the Associate/Group Companies (if any).
18. 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 of utilization assumed, production,
sales, projected profit and loss and balance sheets for the next 7 to 8 years till the
proposed loan is to be paid, the details of labour, staff to be hired, basis of assumption of
such financial details etc.
19. 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 good (quantity and value),
debtors, creditors, bank’s outstanding for working capital limits, term loan limits, bills
discounted.
20. Manufacturing process if applicable, major profile of executives in the company, any tie-ups,
details about raw material used and their suppliers, details about the buyers, details about
major-competitors and the company’s strength and weaknesses as compared to their
competitors etc.

(The check list is only indicative and not exhaustive and depending upon the local requirements
at different places addition could be made as per (necessity).
Data /information mentioned a point no. 17, 18, 19 may be sought from unit requesting limit of Rs.
50 lacs and above.

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