Small Business Banking · PAN Card Community Hindu Muslim Christian Sikh Buddhist Zoroastrian Parsi...
Transcript of Small Business Banking · PAN Card Community Hindu Muslim Christian Sikh Buddhist Zoroastrian Parsi...
Small Business Banking
Type of Facility Rs. In Lakhs Tenure (Months) Purpose Label Code
Unsecured Product Secured Product NFB
Business Loan
Unsecured OD
Quick OD
Others
Secured OD
Cash Credit
Secured Term Loan
CGTMSE
Standup India
LCBN
Merchant Loan
Others
LC
BG
LER
Buyer Credit
Others
A. BUSINESS DETAILS (FIELDS IN RED REPRESENT MANDATORY FIELDS)
Udyog Aadhar No
Pan Card
Account No. /(s)
D D M M Y Y Y YDate of Incorporation
Office Residence Factory Permanent
Whether the MSME unit is ZED rated Yes No
Bronze Silver Gold Diamond Platinum
If yes, the gradation obtained by the MSME unit (Tick appropriate one)
Spouse Name
Existing Cust ID
Authorised SignatoryBeneficial OwnerGurantor
CKYC No.
Passport No./ Voter IDDriving Licence/Others
Passport No./ Driving Licence. Expiry Date
Mothers Maiden Name
Others (__________________)
(
(
(
(
PIO/OCI
B. INDIVIDUAL APPLICANT / CO-APPLICANT / PROPRIETOR / PARTNER / DIRECTOR / OTHER DETAILS
Individual Applicant/ Proprietor /
Relationship With Applicant
Permanent Residence Address
PAN Card
Community Hindu Muslim Christian Sikh Buddhist Zoroastrian Parsi Jain Others
(
(
(
(
CKYC No. Existing Cust ID
Passport No./ Voter IDDriving Licence/Others
Passport No./ Driving Licence. Expiry Date
Mothers Maiden Name
Others (__________________)
PIO/OCI
CO-APPLICANT - II / PROPRIETOR - II / PARTNER- II / DIRECTOR II / OTHERS II DETAILS
Community Hindu Muslim Christian Sikh Buddhist Zoroastrian Parsi Jain Others
Relationship With Applicant
Permanent Residence Address
Category
Education
Maritial Status
SC ST
Matricuate
Unmarried Married
Undergraduate
OBC
Graduate
General
Postgraduate
Others _________________
Others _________________Professional
Others Number of Dependents Person With Disability Yes No
Category
Education
Maritial Status
SC ST
Matricuate
Unmarried Married
Undergraduate
OBC
Graduate
General
Postgraduate
Others _________________
Others ____________Professional
Others Number of Dependents Person With Disability Yes No
Director I /
Proprietor/
Other - I (__________________)
Director II / Other II (__________________)Co-Applicant-II / Partner-II /
Co-Applicant -I / Partner - I/
Authorised SignatoryBeneficial OwnerGurantor
Co-Applicant / Guarantor Photograph
Co-Applicant / Guarantor Photograph
Past Year II
Past Year I
Provisional
Present Year (Estimate)
Next Year (Projections)
Year
20 - 20
20 - 20
20 - 20
20 - 20
20 - 20
Turnover (Rs. in Lacs) Profit as per P & L ( Rs. in Lacs)
C. FINANCIAL/INCOME DETAILS/ITR INCOME/ PAST PERFORMANCE/FUTURE ESTIMATES
Financial Year
D. EXISTING LOAN DETAILS / FACILITY DETAILS
Loan Bank Name Type of Loan Account No. Loan Amount EMI
Loan Opening Date Tenure
1
2
3
4
ROI Security Outstanding As on
Utilized CapacityCapital (Net Worth
in case of companies)
E. DETAILS OF ASSOCIATES/GROUP ENTITITIES (IN LAKHS) DETAILS AS ON………………………….
Name of the entitiy
Existing Customer ID (If Any)
Year Of Incorporation
Nature of Business
Net Sales/Total Income
Net Profit
Net Worth
Exposure(In Lac)
Address of Associate Concerns
Presently Banking
With
Nature of Association
Extent of Interest as a Prop./ Partner/
Director or Just Investor in Associate Concern
Cash Credit Sales Working Cycle in months
Inventory Debtors Creditors Other current assets
Promoters Contribution
Projected
Fill below details for Cash Credit limit
S. No. Name of the Bank
Branch Account Number Banking Since
F. BANKING DETAILS
1 2
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 5.Latest Income Tax Returns Filed Yes/ No/ NA 6.Any other Statutory dues remaining outstanding Yes/ No/ NA
G. STATUTORY OBLIGATIONS:
Statutory Obligation: Remarks( Any details in Connection with the relevant obligation to be given)
H. SECURITY DETAILS
(b) Liquid Collateral(a) Primary Security
Type of Security with Borrower
Value as on date (in lacs)
(LIP, KVP, NSC, Fixed Deposits)1.2.3.
Type of Security Value as on date (in lacs)
Stock
Book Debts
Others _______________
(c) Other Collateral
Value as on date (in lacs)
Type of Collateral
Letter of Credit (LC)
Bank Guarantee (BG)
Stand by Letter of Credit (SBLC)
Relationship
Installed Capacity
(e). In case of Term loan Requirements, the details of Assets may be given as under :
*In case of imported machine, the breakup of basic cost, freight, insurance and custom duty may be given.
Type of
Assets
Purpose for
which
required
Imported /
Indigenous
Name of
supplier
Total cost of
Assets
Contribution
made by the
promoters
Loan required
Relationship with applicant / co-applicant(Customer, supplier, Competitor)
Reference II
I . REFERENCE DETAILS ( BUSINESS REFERENCE )
Relationship with applicant / co-applicant(Customer, supplier, Competitor)
/
/
Signature of Sales Manager Sourcing Channel
(ASL/DSA/etc.)
To be handed over do the customer
ACKNOWLEDGEMENT FOR RECEIPT OF APPLICATION FORM
Axis Bank will convey its decision (within 2 weeks for credit limit up to Rs. 5 lakh and within 3 weeks for credit limit above Rs. 5 lakh and up to Rs. 25 lakh for Micro & Small enterprises borrowers) and (within 30 working days for other borrowers) from the date of receipt of the application provided the application is complete in all respects and is submitted along with all the documents as per 'check list' provided in the application for loan and/or any additional documents as may be required by the bank for proper appraisal of the application. The computation of timelines shall starts from the day on which all documents required for a proper appraisal of the application are provided by the Customer to bank.
Axis Bank has received your application for a Small Business Banking /Facility of Rs .______________
1.Last 2 years Audited /CA certified financial statement2.MOA & AOA of Company / Partnership deed of Partnership firm3.Six Months Bank statement 4.KYC Documents Note : Additional document may be required for Credit assessment
1.Executing Facility related documents2.Executing security creation documents and submitting original security documents.3.Compliance of Sanction terms and other conditions as may apply.Note : Additional documents may be required as per Sanction term
J. INFORMATION ON OTHER PRODUCTS AND OFFERINGS
INFORMATION ON SUBSIDYK.
TUFS CLCSS IDLSS FPTUFS Others _____________ Value of Asset Rs. _______________
(d) Property Collateral
Type of Security (Immovable Property)
1 2 3
Type of Property
Name of Registered owner
Relationship Borrower
Property Address
Area (in Sq. ______ )
Age of Property (in yrs)
Market value as on date (in lacs)
Name of Partners/Directors
of company/Proprietors
Complete Residence Address
Father/Spouse
DOB Aadhar No./DIN No.
PAN No. Category SC/ST/OBC/
Minority/Women
Telephone No.
(Residence)
Contact Details
Age (in years)
Profit Sharing/
Shareholding %
Academic Qualification
Experience in the line of activity
(Years)
N. DETAILS OF PARTNERS / DIRECTORS
1
2
3
4
5
L
Value of Plant & Machinery Rs.
Value of Equipment Rs.
M
Upto INR 25 lakh (Micro) Above INR 25 lakh upto INR 5 crore (Small) Above Rs. 5 crore upto Rs. 10 crore (Medium)
Upto INR 10 lakh (Micro) Above INR 10 lakh upto INR 2 crore (Small) Above Rs. 2 crore upto Rs 5 crore (Medium)
PRIORITY SECTOR CATEGORY / MSME
RA
/SB
B/A
pp. F
orm
/N
ove
mber
18 /V
ers
ion
.0
8
1 Processing Fees Upto 1.25% +Taxes applicable Upto 1.25% +Taxes applicable Upto 2.00% +Taxes applicable Upto 1.25% +Taxes applicable Upto 2.00% +Taxes applicable
2
Stamp Duty & otherstatutory document charges
As per applicable laws of stateAs per applicable laws of
stateAs per applicable laws of state
As per applicable
laws of state
As per applicablelaws of state
3
ROC ling charges Rs. 1200/- +Taxes applicable Rs. 1200/- +Taxes applicable Rs. 1200/- +Taxes applicable Rs. 1200/- +Taxes applicable NA4
Non submission of stock
statement2% +Taxes applicable of the outst
anding amount from the date of default NA NA NA NA5
Non submission of
property/stock insurance2% Additional rate of interest on the amount outstanding
2% Additional rate of intereston the amount outstanding
NA2% Additional rate of intereston the amount outstanding
NA6
Cheque book
issuance charges
First 100 leaves free (for new borrower account) and
thereafter Rs 2/- per leaf
First 100 leaves free (fornew borrower account)
and thereafter Rs. 2/- per leaf
First 100 leaves free (for new borrower account) and
thereafter Rs 2/- per leaf
NA NA7
Cheque Bounce Rs. 500/- per instance +Taxes applicable Rs. 500/- per instance +Taxes applicable Rs. 500/- per instance +Taxes applicable Rs. 500/- per instance +Taxes applicable Rs. 500/- per instance +Taxes applicable8
Penal Interest2.00% p.a. additional onexisting Rate of Interest
2.00% p.a. additional on existing Rate of interest
2.00% p.a. additional on existing Rate of interest
2.00% p.a. additional on
existing Rate of interest 2.00% p.m. on the amount of overdue installment9
10
CERSAI charges per collateral
Rs.100/- + Taxes applicable Rs.100/- + Taxes applicable Rs.100/- + Taxes applicable Rs.100/- + Taxes applicable
Sr.NO Nature of fee / charges Cash Credit Overdraft Merchant Loan Secured Term Loan Unsecured Business Loan
DETAILS OF CHARGES *
RS. 150 + Taxes applicable RS. 150 + Taxes applicable RS. 150 + Taxes applicable RS. 150 + Taxes applicable RS. 150 + Taxes applicable
Non Refundable Login Fee Rs. 5000/- + Taxes applicable Rs. 5000/- + Taxes applicable Rs. 5000/- + Taxes applicable
11 NA
NA NA
“Goods and Services tax (GST) will be charged extra as per the applicable rates, on all the charges and fees (wherever GST is applicable)"
Whether registered under GST
GST Registration
Special Economic Zone
GSTIN (Default)
GST Exemption
Address registered for GSTIN
O. GST DETAILS - BUSINESS (For Individual fill Annexure)
Y N
Single Multiple (Please fill GST Annexure for multiple GST Registration)
Y N
Same as Ofce Address Same as Factory Address As given below
SPECIFIC CUSTOMER DISCLOSURE IN RESPECTIVE OF RELATIONSHIP WITH DIRECTOR/SENIOR OFFICER OF THE BANK /ANY OTHER BANK
Y N Exemption Reason(If Yes) _____________ Exemption Valid Till :
Registration Date: D D M M Y Y Y Y
SEZ Code(If Yes) _____________________________
D D M M Y Y Y Y
SBB SM's Vistaar branches Vistaar + branches MAB Other
Signature of Sourcing Channel
Connector Digital Circle
Direct
Sampark Vistaar
Others ______ (Please Specify)
Vistaar +
Open Market MAB
Further options of Digital CircleMobile Internet Banking
Inbound customer service
Web Leads ATM TelecallingEmailSMS
ARM
Remote Banking RM.
Corporate Linked
Corporate Scheme label
FOR BANK USE ONLYDocuments Received Certified
KYC VERIFICATION CARRIED OUT BY
Emp. Name : _______________________________________________
Emp. Code : _______________________________________________
Emp. Designation : _______________________________________________
Emp. Organisation & Code : _______________________________________________
Emp. Branch : _______________________________________________
(Employee Signature)
D D M M Y Y Y YDate :
Place : ______________________
AXIS BANK LIMITED,001
/ facility
Axis Bank will convey its decision (within 2 weeks for credit limit up to Rs. 5 lakh and within 3 weeks for credit limit above Rs. 5 lakh and up to Rs. 25 lakh for Micro & Small enterprises borrowers) and (within 30 working days for other borrowers) from the date of receipt of the application provided the application is complete in all respects and is submitted along with all the documents as per 'check list' provided in the application for loan and/or any additional documents as may be required by the bank for proper appraisal of the application. The computation of timelines shall starts from the day on which all documents required for a proper appraisal of the application are provided by the Customer to bank.
1.
As per RBI guidelines, classification of accounts as NPA is done Borrower wise and not Facility wise and hence, it may be noted that in case of non-payment of dues by the customer in case of any facility availed from the Bank and consequently the account is to be classified as NPA, all other loan accounts of the Borrower/Card Holder, with the Bank also shall be classified as NPA as per the guidelines issued by RBI and it shall entitle the Bank to recall all such loans/facilities availed by the same customer from the Bank irrespective of the regular repayment in such accounts
Bank / Financial Institution other than those mentioned in above columns. 22. I/We authorize Axis Bank to verify and authenticate my/our Aadhaar number during processing my/our application for legitimate Business purposes. 23. I/We further authorise the Bank to share my Aadhaar related details/information with regulatory / statutory bodies as and when required.
address.21. 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
Fulfilment Channel:
AXIS Bank Relationship Manager :
Referrer Branch Name :
Ref ID : / CRM ID
Account Opening City
Account Opening Branch Name
Account Opening Branch Sol ID
DSA Code :
DSA Name :
TL Code :
Corporate Name
P. CUSTOMER DECLARATION
Q. SOURCING DETAILS (for Official use only)
Proprietor /
Co-Applicant -I / Partner-I
Director
Co-Applicant -II
Partner II / Director II
Co-Applicant -III
Partner III / Director III Applicant Signature
7. Mudra Declaration: Axis Bank may tag the unsecured loans/facilities offered upto Rs.10Lacs to Small/Micro enterprise borrowers under Shishu, Kishor or Tarun category as per Pradhan Mantri MUDRA Yojana (PMMY) guidelines.