BSUtility2013

ConfigUser NamesPasswordsExpiresadmin1/13/153/31/150trialtestme4/30/150I have set trial date to show an "expired" result.usersusf1yr4/29/160adminahvpspks1/1/800This sheet "Config" should be set as "veryhidden" in Normal use to conceal the "UserNames and Passwords"I could not find the workbook posted by Dave Hawley but this is my effort.all credit to Dave Hawley. His version may vary however this seems to work and is the best my memory could do.P1R2A-3M4O5-D0P1R

INPUTDATAIMPORTANT REPORT PAGES3/31/15By: PRAMOD KUMAR SINHA, Advocate (IT), Pakur- 816107.200976412095770BALANCE SHEET UTILITY FOR CASH CREDIT FACILITY (WITH CMA DATA)0115000002013Contribution>>9764Cash Credit>>20000002013ACTUALACTUALESTIMATEDPROJECTEDPROJECTEDPROJECTEDSUMMARY REPORTReflections2012-20132013-20142014-20152015-20162016-20172017-2018TOL/TNW0.820.971.851.371.060.85Current Ratio1.821.651.411.601.822.06NWC9755217593331382736213955930676284215141PAT/Net Sales7.87%7.77%7.30%7.33%7.39%7.46%Stock Holding (Days)197107123124125125SD Holding (Days)0011111 Month's Expense3191635484284267121633140032162672CC (Holding)159041514388963779229451782054119586503342CC (Nayak Committee)60457910052502300000271400032296603875592CC (NWC)9987038971362059887209864621482622211604DSCRN/AN/AN/AN/AN/AN/AAVG DSCR >>>>N/AINPUT BASIC INFORMATIONName of the UnitM/S HINDUSTAN HARDWAREInput here desired Cash Credit Limit2000000Main ActivityTRADINGInterest Rate of Cash Credit13.50%Activity of the UnitTradingInput Annual Salary & All to Staff0Address of the unitMAIN ROAD, PAKUR- 816107Capital Introducing Excluding Margin0ConstitutionPROPRIETORSHIPRate of Excise Duty (if any)0%Name of the ApplicantSWADHIN CHOUBEYMonthly Rent of Business Premises0Father's NameSISIR KUMAR CHOUBEYGross Profit % (If available or estimated)0%Address of the ApplicantMAIN ROAD, PAKUR- 816107Input Sales for adjustment (Compulsory)11500000Mobile No.8298061333Repayment Period of Old Term Loan (M)0PANABSPC6810FInterest Rate of Old Term Loan in %0.00%SSI Registration No.N/AI am not responsible for any inaccuracies at all due to mishandling of this software. If you find any inconsistency, please let me know and I will try to fix it at the earliest.VAT Registration No.RegisteredName of Bank (For Loan)BANK OF BARODA, PAKURName of Sanctioning OfficeBANK OF BARODA, PAKURBanking with Since (Year)Set-Up will be finalized up toCommercially Starting of UnitDate of Survey ReportYEAR WISE INPUT FOR BALANCE SHEET (INPUT ACTUAL DATA OF 2 PREVIOUS YEARS ONLY)2012BS1BS1BS2BS2BS3BS3Assets31.03.201331.03.201431.03.201531.03.201631.03.201731.03.2018Fixed Assets1126009760083590716186138552636Depreciation1500014010119721023387497483Net Block976008359071618613855263645153Security Deposit5000000000Investments/Deposit328668355601373380392050411650432230Advance Payment/ TDS8066800000Loans & Advances5432611231720830218702296024110Closing Stock with RM198801917986204697083561546567271008083765Sundry Debtors28750339304037048440Cash & Bank Balances480941105017250203602422029070Other Current Assets0000Current Assets217110719219874763913569162568146508185385TOTAL ASSETS264737523611785208911614506072789368662768Liabilities31.03.201331.03.201431.03.201531.03.201631.03.201731.03.2018Opening Capital139036214517891198524182773425929943531914Capital introduced/Gifts/SB000000Add: Net Profit237767390568898870109323013413101658020628335Less: Drawings176340643833269660327970402390497410820173130.53%Closing Capital14517891198524182773425929943531914469252430.00%T/L (old) after repayment000000Unsecured Loan000000Cash Credit Limit9987038971362000000200000020000002000000Income Tax (Provision)005988798646148262211604Sundry Creditors196883265518132129014534201598760175864046240111.49%Total Outside Liabilities119558611626543381177355206637470223970244TOTAL LIABILITIES264737523611785208911614506072789368662768Mfg,Trading & P/L A/c2012-20132013-20142014-20152015-20162016-20172017-2018Gross Sales/Receipts30228975026251115000001357000016148300193779604024574Less: Excise Duty000000Net Sales/Receipts3022897502625111500000135700001614830019377960Closing Stock198801917986204697083561546567271008083765Other Income/Receipts371103740740980450784958654544372590.93%TOTAL50480266862278162380631923054322924986275162695955152GP65145110.94%Opening stock1066765198801917986204697083561546567271001527392ExpensesManufacturingTradingWorks ContractServicesOthersPurchase/Excavation etc.336050640578811006948211881989141395671696748088%370919492.16%Purchase45.1%87.6%37.6%0.0%50.1%Power (Electricity & Fuel)0000000%00.00%Power8.0%0.0%3.0%26.0%2.0%Wages(Unskill) & all0000000%00.00%Wages23.0%0.0%30.0%2.0%30.0%Other Direct Expenses87175470561725002035502422252906692%671161.67%Direct Exp12.0%1.5%18.0%12.0%7.0%Production/Construction Loss0000000%0P Loss1.0%0.0%0.5%0.0%0.0%Rent (as per agreement)720008400092400101640111804122984G. P.10.9%10.9%10.9%60.0%10.9%Salary/wages(Skilled) & all390006600072600798608785096640100%100%100%100%100%Other Indirect Exps. & Tax30206533702790302744142848894977428Depreciation on F/A (old)1500014010119721023387497483Bank Intt. & Chg. on T/L (old)000000Bank Interest & Charges139607161374270000318600379130454960Insurance00143015701730190000.00%Income tax (provision)005988798646148262211604Net profit2377673905688988701093230134131016580203141687.81%8.05%TOTAL50480266862278162380631923054322924986275162690000Depreciation31.03.201331.03.201431.03.201531.03.201631.03.201731.03.20185988779323104131135802Furniture & Fixture12600126001134010206918582665977498646148262211604Less: Depreciation @10%0126011341021919827Building / Work shade000000Less: Depreciation @10%000000Plant & Machineries1000008500072250614125220044370Less: Depreciation @15%150001275010838921278306656Vehicles All000000Less: Depreciation @15%000000Vehicles All000000Less: Depreciation @30%000000Computer & All000000Less: Depreciation @60%000000Others (Dep.not taken in P/L)000000Less: Depreciation @23%000000Others (Not depreciable)000000Net Block976008359071618613855263645153Prepared as per information of the ApplicantPLEASE COMMENT FOR BETTERMENT THANKS A LOT.....Software by: -PRAMOD KUMAR SINHAByDesign.: -Income Tax AdvocatePramod Kumar Sinha, Adv.(IT), PakurAddress: -Madhpara, Pakur- 816107Madhpara, Pakur- 816107, Mob.- 9431549555Mobile: -94315 49555 / 99737 03216e-mail: -pksinha_pkr@yahoo.co.inBy: PRAMOD KUMAR SINHA, Advocate (IT), Pakur- 816107.YEAR201320142015201620172018FINANCIAL YEAR2012-20132013-20142014-20152015-20162016-20172017-2018YEAR ENDED ON31.03.201331.03.201431.03.201531.03.201631.03.201731.03.2018

SAVE MESELECT PAGE & PRINTReset AllOPEN SAVED FILEINPUT STARTING YEARMake Balance Sheet for CC upto 2 cr. easly (Professional use Only)admin:It should be either 125% of T/L or 75% of Capitaladmin:It will be > 1.77admin:It should be greater than proposed CC limit in estimated & projected Balance Sheetadmin:It should be greater than proposed CC limit in estimated & projected Balance Sheetadmin:It should be greater than Proposed CC limit in estimated & projected Balance Sheetsadmin:It will be increasing order in Estimated & Projected Balance Sheetadmin:It will be always >1.33 but 303. Owning House55Own5Not owning04. Academic Qualification41Professional4Graduates/PG2Metric1Below Matric05. Experience in line of trade55More than 5 yrs52-5 years3< 2 years06. Spouse details10Employed1Home Maker07. Assessed For Income Tax22Assessed2Not assessed08. Deposit Account with Bank52More than 3 yrs5>6 months-3 years2< 6 months09. Has Life Insurance Policy11Yes1No0TOTAL3023Normalized out of 30Minimum Score should be 15 MarksMarked score23out of 30Total (After defraying not applicable points)302. Business Score2A. For existing units which have not so far availed any loan from the Bank. If takeover from another Bank, takeovernorms, prescribed by the Bank are to be first evaluated and fulfilled.1. Years in Business55More than 5 yrs53 Years to < 5 yrs31 Year to < 3 yrs12. Continuous Profits55Last 5 years5Last 3 years3Last year13. Sales show rising trend55Last 3 years5Last 2 years34. Factory Premises30Owned/Leased > 5 yrs3Rented05. Know-how20Specialized2Last 2 years06. Line of activity10Priority Sector1Non-priority07. Competition42Low4Medium2High08. TOL/TNW (Quasi equity to be added to TNW and reduced from TOL)5NALess than 25> 2 but up to 34> 3 but up to 42More than 419. (a) Quality of receivables5NAUp to 3 months of Sales5> 3 but up to 4 m of Sales1> 4 m of Sales09. (b) Quality of finished goods (Inventory)51Up to 1 months of Sales5> 1 but up to 2 m of Sales1> 2 m of Sales010. Repayment Period (Not Applicable for WC Loan)5NAUp to 1 months of Sales5> 1 but up to 2 m of Sales3> 2 m of Sales011. Gross DSCR (Not Applicable for WC Loan)5NAUp to 1 months of Sales5> 1 but up to 2 m of Sales2> 2 m of Sales0TOTAL5018Minimum Score should be 25 MarksMarked score18out of 30Total (After defraying not applicable points)302B. For Greenfield Ventures: NA1. Branch is in the know of Business includes cases where the project is appraised by the consultants of repute)10NAYes10No02. Manufacturing/Servicing/Trading process is well known to applicant to produce/service/trade the required quality and quantity of the product.5NAYes5No03. Location Advantage2NAYes2No04. Availability of utilities including labour2NAEasy2OK05. Firm's capacity to sell the product at the price and quantity5NAGood5OK06. Line of activity1NAPriority Sector1Non-priority07. TOL/TNW (Quasi equity to be added to TNW and reduced from TOL)5NALess than 151 to 242 to 33More than 308. (a) Quality of receivables as per projection5NAUp to 3 months of Sales5> 3 but up to 4 m of Sales1> 4 m of Sales08. (b) Quality of finished goods (Inventory) as per projections5NAUp to 1 months of Sales5> 1 but up to 2 m of Sales1> 2 m of Sales09. Repayment Period (Not Applicable for WC Loan)5NAUp to 1 months of Sales5> 1 but up to 2 m of Sales3> 2 m of Sales010. Gross DSCR (Not Applicable for WC Loan)5NAUp to 1 months of Sales5> 1 but up to 2 m of Sales2> 2 m of Sales0TOTAL500Minimum Score should be 25 MarksMarked score0out of 0Total (After defraying not applicable points)03. Collateral Conditions1. TOL/TNW (Quasi equity to be added to TNW and reduced from TOL)15NA> 75%15> 50% & < 75%10> 25% & < 50%5< 25%30%02. Residential property as part of5NAYes5No0TOTAL200Minimum Score should be 10 MarksMarked score0out of 0Total (After defraying not applicable points)0Note : Proposal is under SMECFL scheme covered under CGTMSE so no Collateral is asked for.

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SurveyReportBANK OF BARODA, PAKURPRE-SANCTION SURVEY REPORT1. Name of the unit :M/S HINDUSTAN HARDWARE2. Address of the unit:MAIN ROAD, PAKUR- 8161073. Address of the Office:MAIN ROAD, PAKUR- 8161074. Name of the Prop.:SWADHIN CHOUBEY4a. Address of the Prop.MAIN ROAD, PAKUR- 8161074b. Purpose of visit:Pre-sanction survey of unit, collateral security and residence of borrowerand guarantor.Name of the person who was interviewed and his relationship with the unitName of the personAddressRelation with the unit5. VISIT TO FACTORY/ WORKS:i). Date of visit :12/31/99ii) Stock (Apx. Value)iii) Books of AccountsMaintainediv) Details of existing charge on AssetsNov) Level of ActivityTRADING6. VISIT TO OFFICE:i) Date of visit:12/31/99ii) ObservationsFirm is at prime location and the location in the market is good. Businessis in rising trend. Applicant's relatives also help in his activity.7. VISIT LOCAL RESIDENCE OF PROMOTER:i) Date of visit:12/31/99ii) ObservationsApplicant/ Promoter is permanent resident ofMAIN ROAD, PAKUR- 816107He has been residing at above mentioned address since long.His creditworthiness is fair in the market.8. MARKET OPINION:i) Date of visit:12/31/99ii) ObservationsBased on the indicated parameters---Talked to Neighbors, Competitors, Customers and Other Banks.9. GENERAL REMARKS/ CONCLUSIONS:Applicant/ Promoter/ Proprietor is young, energetic and laborious.Remarks: From our survey it is found that both borrower and guarantor enjoy good marketreputation and nothing adverse has been heard against them as per enquiry made from localpeople.As per Pre-sanction survey done, the unit is considered acceptable for banks finance.Credit Officer

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AgreementLetterBANK OF BARODA, PAKURARRANGEMENT LETTERToM/S HINDUSTAN HARDWAREName-SWADHIN CHOUBEYAddress-MAIN ROAD, PAKUR- 816107Dear Sir,In context of your loan application of Rs.2,000,000./- only, we are please to advise that yourloan proposal has been sanctioned/ renewed by us.1.The above sanction is valid for 12 months and subject to completion of other formalities along withfulfilment of Terms & conditions and documentation.2.Terms & Conditions:ParticularsStipulations1.Facility & LimitsCash Credit for Rs.2,000,000./- only.2.SecurityPrimaryHypothecation of stocks & receivables.CollateralGuarantor0003.Interest(Linked to SBAR/BASE rate)0.75% above SBARTerm Loan:NA4.Processing fee/ Upfront feesCash Credit/ BG/ LC Rs.500.00/ per lacNA5.EM ChargesNA6.Penal Interest2% on entire outstanding amount7.Margin(%)Cash Credit=25%Term Loan=NABG/ LC=NA8.RepaymentCash Credit: on demandTerm loan: NA9.Validity of SanctionWC loan is valid for 3 years, but is subject to annual review.10.InspectionQuarterly/Half yearly at random basis.11.Stock StatementQuarterly12.InsuranceStocks/Equipment to be insured for full market value for all possible risks with bank clause.Please return the duplicate copy of this letter duly signed as token of acceptance of terms andconditions of the sanction.Branch Manager

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OpinionReportM/S HINDUSTAN HARDWAREMAIN ROAD, PAKUR- 816107OPINION REPORT1. Date of Report:02. Name of the Branch:BANK OF BARODA, PAKUR3. Name of the inspecting official:4. Name of the Applicant:SWADHIN CHOUBEY5. Father/ Husband's Name:SISIR KUMAR CHOUBEY7. Address of the Applicant:MAIN ROAD, PAKUR- 8161078. Age:34 YEARS9. activity:CC(Hyp)10. Annual Income:11: Assets:i) MOVABLE ASSETSa. Cash A/c.Rs.0.00b. Bank Deposit A/CRs.0.00c. VehicleRs.0.00d. Other Liquid (KVP, NSC, IVP, LIC)Rs.Particulars:-e. Gold OrnamentsRs.f. House hold goodsRs.g. OthersRs.ii) IMMOVABLE ASSETSa. Land and BuildingRs.Particulars:TOTAL ASSETSRs.0.0012.Liabilities:a. Loan from bankRs.0.00Particulars:b. Other liabilitiesRs.Particulars:TOTAL LIABILITIESRs.0.0013. NET MEANS (Asset Liabilities)Rs.0.0014. REMARKS:After perusal of the relative documents and on discreet enquiries made by me it is observed that SWADHIN CHOUBEY, aged 34 YEARS and resident of MAIN ROAD, PAKUR- 816107 is a person of integrity. His net means has been arrived Rs. 0 and he has capacity to repay the above mentioned loan.Place :Date:Credit Officer

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ControlReturnBANK OF BARODA, PAKURCONTROL RETURNBranchBANK OF BARODA, PAKURDate of Sanction0Name of the BorrowerM/S HINDUSTAN HARDWAREName of the proprietorSWADHIN CHOUBEYAddress of the unitMAIN ROAD, PAKUR- 816107Line of activityTRADINGConstitutionPROPRIETORSHIPName of scheme/ facilitySME Credit Card SchemeNew / Renewal /EnhancementEnhancementSanctioned limit2,000,000.00SegmentsSBFYear ended on31.03.201531.03.2016ESTIMATEDPROJECTEDSales11500000.0016148300.00Net Profit898870.001341310.00TNW1827734.003531914.00TOL/TNW1.851.06NWC1382736.003067628.00Current Ratio1.411.82Collateral Security offeredName of Guarantors000% Margin25% on Cash creditRate of interest p.a.0.75% above SBARRepayment programme if anyCash Credit on demandRemarks: The proprietor is experienced in this line of activity. The financials of the unit are satisfactory.Processed bySanctioned byProcessing OfficerChief ManagerBANK OF BARODA, PAKURBANK OF BARODA, PAKUR

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AnnualReviewANNUAL REVIEW OF SME CREDIT CARDPROPOSAL FOR REVIEW OF WC AND TERM LOAN SANCTIONED UNDER SME CREDIT CARD SCHEME.1.Name of the unitM/S HINDUSTAN HARDWARE2. Constitution & Registration No. of the unit. ( if applicable)PROPRIETORSHIP3.Name of the Proprietor/ Partners /Directors & AddressSWADHIN CHOUBEYMAIN ROAD, PAKUR- 8161074. Business AddressMAIN ROAD, PAKUR- 8161075.Nature of activityTRADING6. Date of last sanction/ review7. IRAC position as on dateStandard8.Present Position of Accounts as on date of review. (Rs.)FacilityLimitDPO/SIrregularityCC(Hyp)200000000000Total200000009. Conduct of WC a/c (Rs.)Annual turnover estimatedRs.11500000./-Annual Credit SummationRs.0.00./-Interest/ Exchange/ CommissionRs.0.00./-(At least 50% should be routed in the account, other wise sanctioning authority has to take a view on continuation of facility)10.a) Whether earlier sanctioned terms complied with?b) Comments on non-achievement of estimated sales/profit.c)No.of times the account was irregular last year and reasons.N/A11.Comments (from risk angle)(On other associates, Competition, quality of products, I&A comments, CIBIL report for individuals etc., and other relevant to Risks. Bullet points only)Recommendations :As per above facts and terms and conditions as already set out in the original sanction note dated12.12.2012,we recommend for review of the facility for one year.Appraised bySanctioned bySignatureDesignationProcessing OfficerChief ManagerDateOfficeBANK OF BARODA, PAKURBANK OF BARODA, PAKUR

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SBILogoHomeState Bank of India

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Help1. Please Input Basic Information at first.2. If business is new and yet to be started, then no need toinput inboxes for Assets,Liabilities, Trading & P/L Account andDepreciation. But you have to fill the value ofFixed Assets for depreciation (Rate also) of current financialyear in theboxes.3. Please do not try to fillororororandcolour of boxes, these are automated.4. Please do not forget to select constitution and activity of Unit.5. Reflection portion shows the result.6. Please input appropriate rate of interest.7. Use this utility at your own risk, I will be not responsiblefor any type of loss or damage at all.

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