NF 1042

र◌ ु .10.00
10.00 लाखलाख
तक तक क◌े एमएसएमई
के एमएसएमई ण ◌ो◌ं
ऋणो केऋिलए ललए
क◌े त
सरलीकृ सरलीक
सामा य मू ◌ृयांत मान्य
कनस◌ाापन
म◌ू ल्◌ा◌ो◌ं कन ापन
SIMPLIFIED COMMON APPRAISAL MEMORANDUM FOR MSME LOANS UP TO RS.10.00 LAKHS

ACCOUNT M/s: CUST ID:

BRANCH : CIRCLE:
RO:
REF : :
DATE OF RECEIPT DATE OF SANCTION

I (a) BRIEF PROFILE:

Name of the Borrower

URC No (Udyam Registration No.)

MSME
Line of activity RETAIL SELLING OF PRODUCTS
Corporate / Registered Office

Key persons / promoters

Group NOT APPLICABLE

Established in / Dealing with us since

Constitution PROPRIETORSHIP INDIVIDUAL

Asset Classification (Std. /Sub-Std./

STANDARD
Doubtful/Loss)

Date of Sanction - Sanctioning Authority

Details of Last Sanction
SENIOR MANAGER
Tenability / Extended Tenability

Priority / Non-priority
PRIORITY
BSR Code
Internal Risk Rating Present
CNR-SVM-1-LOW RISK-III
Previous
CNR-SVM-3-MODERATE RISK-1
Whether reported as SMA 0/1/2
NOT APPLICABLE

Whether CIBIL report is

obtained/verified YES VERIFIED

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Whether facility is covered under

CREDIT FACILITY IS COVERED UNDER CGFMU SCHEME
CGTMSE/CGFMU/Any other Credit
OF BANK
Guarantee Scheme.

Up to which year income tax/sales tax

INCOME TAX/ SALES TAX
assessed? Has it been paid? Give
ASSESSED UPTO LAST FINANCIAL YEAR.
Particulars

I (b). ए जर / EXPOSURE :
EXPOSURE
( . लाखों म Rs in Lakhs)
Fund Based / Non Fund Based

Existing Proposed Existing Proposed

Borrower %,0 .2f %,0 .2f NA NA
NA NA NA NA
Other group borrowers

Total group credit exposure NA NA

%,0 .2f %,0 .2f
Banking Arrangement Sole Banking

Share Holding Pattern: 100% ( PROPRIETOR)

Details of Proprietor/Partners/Directors:

( . लाखों म / Rs in Lakhs)
Name of Promoters /
Proprietor /Partners/ Desig- DIN %age of
Directors nation share Networth
Source Year
holding

PROP. NA 100% %,0 .2f Own Fund

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III. वतसमान
PRESENTाव / PRESENT PROPOSAL:
PROPOSAL :

ए) क◌ाय◌ाश◌ील
a) To permit प◌ू
the◌ं जी सीम◌ा क◌ो
Working Capital limitमह◌ीन◌े
............ /वर◌्◌ाof
for a period क◌ी12अव ध क◌े लas
months ए नम्न◌ान◌ु सार
मर◌् करना:
अन◌ुunder:
a) To permit the Working Capital limit for a period ......... months/year as under:
ऋण सीमा का कार / Nature of limit लागू लाखों म
वतसमान ालवत
Applicable Existing Proposed
a) Regular : %,0 .2f %,0 .2f %,0 .2f
b) Adhoc : NA NA NA
Total Fund Based Limit
%,0 .2f %,0 .2f %,0 .2f
c) Regular : NA NA NA
d) Adhoc : NA NA NA
Total Non-Fund Based Limit NA NA NA

TOTAL FB + NFB
%,0 .2f %,0 .2f %,0 .2f
Margin:
Stock %,0 .2f %,0 .2f
Book Debts
NFB Cash Margin
Rate of Interest
Commission NA NA NA
Processing Charges NA
Documentation Charges NA

Other Charges NA

(a)
क) मों Sanction
ज़ूरी की terms
शत लजसकी sought
मा◌ो◌ं ग : / Sanction terms sought:
की गई Particulars
S.No. Existing Proposed

1. Stock statements/BD/MSOD statements

a) Our Format (or) Lead Bank format OUR FORMAT OUR FORMAT

b) Simplified (or) Detailed SIMPLIFIED SIMPLIFIED

2. Periodicity QUARTERLY QUARTERLY

3. Due date for submission QUARTERLY QUARTERLY

4. Periodicity of inspection QUARTERLY QUARTERLY

a) Local
b) Outstation

5. Type of LC / Purpose of LC NOT NOT

a) Revolving/Non revolving APPLICABLE APPLICABLE
b) Clean
c) Standby

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S.No. Particulars
Existing Proposed
6. Period of LC NOT NOT
a) ILC APPLICABLE APPLICABLE
b) FLC

7. Usance for LCs NOT NOT

a) ILC APPLICABLE APPLICABLE
b) FLC

8. Period of Bank Guarantee NA NA

9. Purpose of Bank Guarantee NA NA
(Specify EMD/SD/ Performance /Financial/Bid Bond)

10. PC period/ Usance for bills limits, age of book debts, NA NA

etc.)

नम्न ल खर् शर् ◌ो◌ं पर नए साव ध ऋण क◌ी अन◌ुम र◌्

ि◌◌े ना
(स◌ी) नम्न ल खर् शर् ◌ो◌ं पर नए साव ध ऋण क◌ी अन◌ु म र◌्
ख)
ि◌◌ेToनाpermit fresh Term Loan on following Terms & conditions :
1 Nature of Facility NOT APPLICABLE

2 Amount NOT APPLICABLE

3 Purpose NOT APPLICABLE
4 Security NOT APPLICABLE
5 Margin NOT APPLICABLE
6 Tenor NOT APPLICABLE
7 Repayment NOT APPLICABLE
8 Date of Commence of NOT APPLICABLE
Commercial Operation

Applicable Proposed
9 Rate of Interest NOT APPLICABLE NOT APPLICABLE

10 Upfront fee NOT APPLICABLE NOT APPLICABLE

11 Prepayment penalty NOT APPLICABLE NOT APPLICABLE

12 Other Charges NOT APPLICABLE NOT APPLICABLE

10 Conditions NOT APPLICABLE

ग) कAny न ◌् य अन◌ु
ई अother मलतय◌ा◌ोNOT
permission: ◌ं / APPLICABLE
Any other
Permissions :

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IV. र् ◌ा
यLATEST क नव◌ीनतम
LIMITS, ऋण&स◌ीम◌ाए
LIABILITIES OVERDUES ि◌
◌ो◌ं , AS ◌े यत◌ाए
ON व अलति◌◌े य
_______________ स ऋण
(INCLUDING
रालशसीम◌ाओ◌ो◌ं ST/ADHOC
एस ट◌ी ति◌र् LIMITS):
सलि◌त) LATEST LIMITS, & OVERDUES AS ON
LIABILITIES (INCLUDING ST/ADHOC
LIMITS): ( . लाखों म Rs in Lakhs)
Nature Loan /
Of Limit Limit Liability DP Overdues ROI/Commission Exposure
(Actuals)

FB NFB
CC LIMIT NIL NIL
%,0 .2f %,0 .2f %,0 .2f %,0 .2f
TOTAL
%,0 .2f %,0 .2f %,0 .2f %,0 .2f

V. लDETAILS
तभ◌ू लतय◌ाOF
◌ो◌ं SECURITIES:
/ DETAILS OF
SECURITIES:

Value in
Type Nature Source & Rs./Lakhs)
Particulars of of Date of
Asset charge Valuation

a)PRIME
i)Working Capital STOCK FIRST
%,0 .2f
CHARGE
ii)Term Loan NA NA NA NA
Total NA NA NA

PERSONAL GUARANTEE :
b) वै य क गारों टी / Personal Guarantee:
Name Net worth Source and date

%,0 .2f Own Funds

c) गारों
टी ावरण(कवर)
Availability की उपलCover:
of Guarantee ता/ Availability of Guarantee
COVERED UNDER CGFMUCover:

d) स◌े रसाई प◌ो◌ं

CERSAI क◌े स◌ो◌ं:ब◌ो◌ं ि◌ म◌े ◌ं लववरण / CERSAI
ज◌ीकरण Details
Registration
Registration Details :
CERSAI Date of last Date of registration Security Asset Remarks
CERSAI search with CERSAI ID ID

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VI. चयलनत लव ीय सोंके तक :

SELECT FINANCIAL INDICATORS.
( . लाखों म / Rs in Lakhs)
Particulars
ABS ABS PBS EST PROJ
Capital
Tangible Net Worth

NWC
Net Sales
NPAT/(Loss)
Current Ratio
Quick Ratio
TOL/TNW
DER

 पछले महीन ◌े र् क क◌ी गई बि◌◌ी/अन◌ुमा नर◌् बि◌◌ी क◌ी

र◌्◌ुtill
Sales achieved लनाthe
म◌ेlast ाि◌न।
◌ं नmonth/Performance compared to estimated sales.

VII. कायसशील
WORKINGपू ोCAPITAL
जं ी मू ल्◌ा◌ो◌ं कन / WORKING CAPITAL
ASSESSMENT:
ASSESSMENT:
a) पTurnover
ावतस(टरओवर)
Method: प लत / Turnover Method:

Sl No Particulars PROJ

1 Projected Sales
2 Accepted Projection of Sales
3 25% of 2 = Working Capital Gap
%,0 .2f

4 Min. Margin Required (5% of 2)

%,0 .2f
5 Actual NWC 12
6 Permissible Bank Finance (3-4 or 3-5 whichever is lower)
NaN
7 Bank Borrowing sought (FBWC) %,0 .2f
8 Excess Bank Borrowings

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b) एन एफ बी ए ्पfor
Assessment जरNFB
क◌े स◌ो◌ं ब◌ो◌ं ि◌ म◌े ◌ं Assessment
Exposure: म◌ू ल◌्◌ा◌ो◌ं for
कनNFB
/ Exposure:

(ii) साख प /ofLetter

Letter Credit:of Credit:
Computation
कायाशील पूं जी हेofर्◌ुLCएल
limits
सी ऋणfor सीमाओय
WC: NOT APPLICABLE
की गणना / Computation of LC limits for WC:
( . लाखों म / Rs in Lakhs)
Annual Purchase for the ensuing year NA
a.
Out of above Total imports NA
B.
Average monthly import NA
c. (b/12)
d. Import duty NA
Net Value of imports for the year NA

e. (c-d)
f. Purchase on DA basis NA
g. Usance Period in months NA
h. Transit period NA

i. Total time period (g+h) NA

Foreign LC requirement DA BASIS NA
j. (f) x (i)
k. Purchase on DP basis NA
l. Transit period (h) NA

m Foreign LC requirement DA BASIS (k) x

NA
. (l)
Annual Local Purchase for the ensuing year NA
a.
b. Out of above credit purchases NA

c. Monthly Credit purchases (b)/12 NA

d. Usance Period in months NA

e. Transit period NA

f. Total time period (d +er) NA

INLAND LC REQUIREMENT NA
(c) x
g. (f)
TOTAL LC REQUIREMENT (j + m
NA
u. + t)

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Branch M/s………………………… Ref No:

बक गारो
Bank ं टी / Bank Guarantee:
Guarantee:

बी जी ऋण सीमाofकी
Computation BGगणना
limit:/NOT APPLICABLE
Computation of BG limit:
( . लाखों म / Rs in Lakhs)
Outstanding BGs as on NA
BGs required during 20 – 20 NA
Bid Bond at
Performance Guarantee at
Advance Payment at
Other/Misc for retention

Less estimated maturity/cancellation of BGs NA

Requirement of BGs NA
Requirement of BG limit NA

VIII. ट◌ीएल, OF TL,ल◌

आकलन/म◌ू
SANCTION ् ◌ा◌ो◌ं कन, आिल क◌ी ◌ीक
ASSESSMENT/APPRAISAL, ◌ृ लत, य
ETC., IFिल क
ई ि◌ :

1) पररय जन◌ा
Comments onक◌ेNature,पbrief
पर लटdescription,
लणय◌ा◌ा◌ँ , need
स◌ो◌ं लfor the
लववरण, पररय Promoters.
Project, जन◌ा क◌ी
आवश्यकत◌ा, वतसक
Comments on Nature, brief description, need for the Project, Promoters.

2) पररय
Costजन◌ा क◌ी लागत
of project और लव
& Means क◌े साि◌न:
of Finance
( . लाखों म Rs. in Lakhs)
PROJECT COST /
MEANS OF FINANCE
Particulars Amount
Particulars Amount
Land NA Term NA
Loan

Building & Civil Works NA Promoter's NA

Contribution

Plant & Machinery NA NA NA

Miscellaneous Fixed Assets NA NA NA
Grand Total NA Grand Total NA

3)अनु
3) मालनत लाभ
Comments onऔर ि◌◌ा◌ा◌ँ
Projected P &इ L:
लेख ा(पी APPLICABLE
NOT एों ड एल) पर
लट लणया◌ा◌ँ :

4) पूComments
वासनुमालनतonतुलन प पर लट
Projected लणया◌ा◌ँ
Balance Sheet:: NOT APPLICABLE
Comments on Projected Balance Sheet:

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5) डीएससीआर गणना
DSCR Calculation

6) पररय जना मािपो

Compliance toडं Project
◌ो◌ं काParameters
अनुपालन
Compliance to Project Parameters

Parameters Norms as per Policy Subject Project Compliance

1.Debt Equity Ratio Not more than 4:1 NOT APPLICABLE NOT
APPLICABLE

2.Promoters' 20% / Minimum of 20% of NOT APPLICABLE NOT

Contribution project cost. APPLICABLE

3.FACR /Hard Cost/ Not less than 1.33. NOT APPLICABLE NOT
Term Loan) Exceptions upto 1.20 APPLICABLE

4.Repayment Upto 7 years excluding NOT APPLICABLE NOT

Period moratorium, but not to APPLICABLE
exceed an overall tenor of
10 years

5.Overall DSCR Not below 1.50 NOT APPLICABLE NOT

APPLICABLE

7) सा◌ो◌ं लविलक
Statutory अनुपालन / Statutory
Compliance:
Compliance:

IX. अनु पालन की थलत/लनगरानी

Compliance / Compliance status/Monitoring:
status/Monitoring:

Observations
Compliance Status. Give full Details viz.
Since When pending/ Mitigants put in
place/When expected to be rectified /
completed

a) Adverse Features NOT APPLICABLE

b) Pending Matters NOT APPLICABLE
c) Inspection remarks NOT APPLICABLE
d) Observations on operations in the NOT APPLICABLE
accounts

e) Unit/Security Inspection last done on

and conducted by:

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f) Any other matter (LC devolvement/

BG Invocation/Overdues etc) NOT APPLICABLE

g) Value of the account Interest Collected: 2.5

Commission Collected: NA

Any Other Spin off Benefits: NA

h) Whether Current Account
maintained with other Banks/Banks NOT APPLICABLE

i) Details of Other Limits/Liabilities with

our Banks.
12.6

X. NEED FOR THE PROPOSAL/ JUSTIFICATION:

X. ाव / औलच क◌ी आवश्यकत◌ा (प◌ै र◌ा III क◌े ति◌त स◌ो◌ं ि◌लभसत सभी ाव ◌ो◌ं
Borrower is involved in the activity of RETAIL SELLING OF PRODUCTS His/her business
क◌े ललए):
was established
NEED in FOR
the year He/She is having(For
THE PROPOSAL/ JUSTIFICATION a very
allgood experience
proposals in this
referred line of
under

(शाख◌ा क◌े औ च क◌ो यह◌ा◌ं न ि◌◌ा कय◌ा जाना ह◌ै / Branch Justifications to be
activityspecified
of 12 YEARS
here) He/She is running his/her business under the name

He/Sheउपरोि◌
is dealing को
with us
ान since
म रखर् ◌े ए हम इस नोट केHis/Her
पैरा III केdealing
अनुसार with
अनुमbank is satisfactory.
र् ि◌◌ े सकर् ◌े ह।
In view of the above we may permit as per Para III of this note.
XI. शत / Terms and Conditions:
So we recommend a limit of Rs for one year with rate of interest of

Od limit is covered under CGFMU scheme of bank and fees is payable by borrower as and when its due.

XI. Terms and Conditions: NOT APPLICABLE

//आि◌◌े श ◌ो◌ं क◌े
SUBMITTEDSUBMITTED FOR ORDERS//
FOR ORDERS
ललए स्त◌ु त
आि◌ ◌े श / ORDERS:
ORDERS:

( Signature of the Recommending

officer/Manager) Signature of the Sanctioning Authority)
Name: Name:
Staff No: Staff No:
SP No SP No
Date Date

10
 LETTER OF PROPRIETORSHIP

FROM TO
CANARA BANK

Dear Sir,

I wish to inform you that I ____________________________________ am trading

under the name and style of M/s
________________________________________________ and that I am the sole
proprietor of the said concern. I shall be responsible for all transactions in my
account with you and obligations incurred with you or arising from the operations of
my account, whether such obligations or transactions are in the course of business
under the said trade name and style or otherwise. Notwithstanding any change in
the constitution of my concern or disposal of my proprietary interest in business in
the said name and style of my business is closed for any reason, I shall continue to
be liable to discharge all my obligations to you at all times and undertake to intimate
you about such changes and also reconstitute or close the account, as may be
warranted.

Yours faithfully

DATE:

PLACE: