Professional Documents
Culture Documents
CAM/Proposal No.
02/01/2014
SME Client ID
202455
Customer Name
Constitution of the
Customer
Sole Proprietors
Customer Category
Normal
Contact No
Review
CAM Date
80861082
15/01/2015
Krishan Lal Batra And Bros,
AANPB8608C
Borrower Pan #
Address
9896123707
Business Segment
Sourced By
DIRECT
Source Name
Direct
Credit / Product
Program
Sbf >10 To 25 L
Credit Labeling
Normal
Asset Classification
Standard
5-
Ram Rating Id
23/02/2010
Industry Exposure
Nature of Business
Line Of Activity
Manufacturing
Credit Group
Bbwc Credit
Existing Amount
Proposed Amount
Limit
Sub Limits
Sub Limits
Limit
Tenor
Sub Limits
1 /Term Loan/Term
Loan/Term Loan
3.60
3.60
0.00
0.00
42
2 /Cash Credit/Cash
Credit/Cash Credit
15.00
15.00
0.00
0.00
12
Total Exposure
18.60
18.60
0.00
Reviewed By/Endorsed By
A6026-Adesh Seth
A7703-Atulya Sharma
Approved By
H1953-Himanshoo Sharma
Proposed Amount
Sub Limit
Interest/
Commission (%)
Tenor(in Repayment
Months) Frequency
Purpose
1 /Term Loan/Term
Loan/Term Loan
3.60
13.8
42 Monthly
Business Use
2 /Cash Credit/Cash
Credit/Cash Credit
15.00
13.8
12 Yearly
Business Use
Remarks
SlNo
1
2
Product/Sceme/Promo
Remarks
Term Loan
Cash Credit
Documentation Details:
Standard documents as per credit policy for Working Capital Products - BBG/EEG/ABC portfolios to be obtained as per the borrower's constitution and
incremental facilities being availed
All documents as per policy and conditions stipulated in earlier CAM has been complied with, barring the following:
Details Of Deferrals :
Rm To Ensure Nil Defferals
Guarantors Details :
Na Plain Renewal
Additional Conditions/Documents :
All Documentation As Per Policy And Conditions Stipulated In Earlier Cam Has Been Complied With
Credit Covenants :
The Firms Tnw (Capital + Unsecured Loans From Promoters - Loans & Advances For Non Business Purposes) At Rs.38.0 Lacs As On 31.03.13 Be
Maintained During The Currency Of Overdraft.
Additional Conditions:
Satisfactory Rbi Check, Svr By Rm To Be Placed In Case File. ---- Prior To Upload.
Self Declaration For No Pendign Statutory Dues To Be Taken ---- Prior To Upload
Modalities Of Takeovers :
Na Existing Customer
Appilicant Details
Applicant Type
Pan No
Address
202455
Primary Applicant
AANPB8608C
921755
Proprietor
AANPB8608C
APPLICANT
PROPRIETOR
Shareholding Pattern
Shareholder / Director Name
MR.SUBASH CHAND BATRA
Total
Qualification
GRADUATE
Experience
30 YEARS
No of Shares Held
100
Shareholding %
Remarks
100
And
Mr. Satpal Punani Got Retired From The Business And Mr. Subhash Chander Batra Is Running The Firm As A Proprietorship Concern Since April
2009.
Litigations pending / contemplated by other financiers, including banks, against the borrower :
As Per information no such litigation is there, however an undertaking confirming the same is stipulated to be obtained from company
Company / Directors / Group companies in RBI Defaulters list :
nil
Interest of Directors / Senior Officers (only approvers) of bank, if any :
As per information no such interest of directors or senior officers is there, However an undertaking confirming the same is stipulated to be obtained
from company
Banker
Hdfc Bank
FB-Limit/DP
Cash Credit
Total
FB-O/S
NFB Limit/DP
15.00
10.56
0.00
15.00
10.56
0.00
NFB Utilized
0.00
0.00
Security Details
Security
No./Security
Type
1/Stock
Security
Description/Address
Security value
(Rs in Lacs)
Stock
Owner name
Valuer Name
Margin %
15.00
25
2/Book
Debtors
debts/debtors
15.00
50
3/Properties
Residential Property/C4/2051,
JAGADHRI,
SRI NAGAR COLONY,
NULL,
135003,Jagadhri,Haryan
10
4/Plant &
Machinery
P&M
4.85
Total
Property
Type/Occupancy
Type
RESIDENTIAL
PROPERTY
25
63.58
Customer
Number
Proposed Security
No
Security No
Primary
Secondary
Existing/
Proposed
202455-Krishan
Lal Batra And
Bros
202455-1/Stock
2/Cash Credit
EXISTING
202455-Krishan
Lal Batra And
Bros
202455-2/Debtors
2/Cash Credit
EXISTING
202455-Krishan
Lal Batra And
Bros
2024553/Residential
Property
202455-Krishan
Lal Batra And
Bros
202455-4/P&M
1/Term Loan
EXISTING
EXISTING
Security
Existing/
Proposed
Remarks
STOCK
EXISTING
DEBTORS
EXISTING
RESIDENTIAL
PROPERTY
EXISTING
P&M
EXISTING
25% margin
Name
MR.SUBHASH CHANDER
BATRA
Self Employed
Qualification
GRADUATE
Responsibility
PROPRIETOR
Experience
30 YEARS
Borrower Profile
Histroy And Background
M/S Krishan Lal Batra & Bros Is A Proprietorship Firm Under Namely Mr. Subhash Chander Batra Has Been Running Manufacturing And Trading
In Circle And Utensils Since 1983. The Firm Was Started As Partnership Concern But It Change Into Proprietorship As On 01.04.2009. Reason
For The Same Was Due To Family Settlement As Confirmed By The Rm .
The Firm Is Availing A Cash Credit Limit Of Rs.15 Lacs From Hdfc Bank.
The Firm Has Achieved The Sale Of Rs.73.14 Lacs For The Fy 12-13.
Nature Of Business And Products Dealt In
The Firm Is Under The Name Of Krishan Lal Batra & Bros At C-1/409/4, Jaroda Gate, Jagadhri.
Krishan Lal Batra & Bros Is One Of The Manufacturer And Trader Of Circle And Utensils From The Last 27 Year. The Promoter Mr. Subhash
Chander Batra Is B.A Having 35 Years Of Experience In The Above Said Line Of Business. In Addition To That There Was Earlier His Brother Mr.
Krishan Lal Batra And Mr. Satpal Punani Are Also Working As Partner. However In View Of Family Settlement , Both Mr. Krishan Lal Batra And
Mr. Satpal Punani Got Retired From The Business And Mr. Subhash Chander Batra Is Running The Firm As A Proprietorship Concern Since April
2009.
Business Analysis
M/S Krishan Lal Batra & Bros Is A Proprietorship Firm Under Namely Mr. Subhash Chander Batra Has Been Running Manufacturing And Trading
In Circle And Utensils Since 1983. The Firm Was Started As Partnership Concern But It Change Into Proprietorship As On 01.04.2009.
Infrastructure And Operational Aspects (Including Production And Capacity)
Na
Marketing Network / Major Competitors / Other Details
Na
Industry Scenario
Na
2012
2013
Jan
4.09
Feb
3.93
Mar
10.73
Apr
8.14
May
8.41
Jun
10.03
Jul
9.01
Aug
8.50
Sep
9.17
Oct
6.70
Nov
7.20
Dec
4.16
Total
4.16
85.91
Average
4.16
7.81
Total
HDFC BANK
A/C No
08728970000025
OD Facility
Yes/No
Yes
A/C Limit
15.00
15.00
Months
Sales
amount of
the Month
Credit amount
Credit amount
Credit amount
Credit amount
Credit amount
Jun - 2013
24.06
24.06
10.03
Jul - 2013
10.07
10.07
9.01
8.50
8.50
8.50
11.25
11.25
9.17
Aug - 2013
Sep - 2013
Monthly
Credit to
Sales %
240
112
100
123
Oct - 2013
3.91
3.91
6.70
58
Nov - 2013
6.00
6.00
7.20
83
63.79
Total
50.61
126
Months
Account Limit
Months
15.00
CA / WC %
CA / WC %
Jun - 2013
52.67
Jul - 2013
91.47
Aug - 2013
97.13
Sep - 2013
92.20
Oct - 2013
95.07
Nov - 2013
96.73
CA / WC %
CA / WC %
CA / WC %
Bank Name
Remarks
HDFC BANK
THE FIRM IS AVAILING A CC LIMIT OF RS.15 LACS FROM HDFC BANK HAVING A/C
NO.08728970000025
HDFC BANK
08728970000025
From Date
To Date
No.Of Days
TOD Amount
Bank Name
A/C No
Type Of Cheque
Return
Cheque Return
Date
Cheque Amount
LC Remaks
BG Remaks
Banking Account Overall Conduct Remaks
SATISFACTORY BANKING CONDUCT
Financial Details
P&L Sheet (All figures in Rs. lacs)
31-03-2013
31-03-2011
31-03-2012
74.30
73.90
73.20
PBDIT
7.80
6.50
5.90
Interest
3.80
2.40
2.40
Depreciation
0.90
1.00
0.70
PBT
3.00
3.10
2.80
Tax
0.10
0.10
0.30
PAT
2.90
3.00
2.50
Cash Profits
3.90
4.00
3.20
Tangible Networth
30.50
26.20
10.40
14.80
12.50
14.80
2.00
2.90
3.60
16.20
12.60
13.20
Total Debt
33.10
28.00
31.60
6.80
0.40
7.40
70.37
54.73
49.38
5.40
5.50
6.40
Investments
0.00
0.00
2.20
8.70
10.60
0.60
Sundry Debtors
21.70
2.80
8.40
Inventories
32.10
33.30
30.60
2.50
2.50
1.20
65.00
49.20
40.70
Total Assets
70.37
54.73
49.38
10.50
8.80
8.00
3.90
4.00
3.40
Current Ratio
3.00
3.79
1.84
Interest Coverage
2.03
2.67
2.45
DSCR
1.70
1.88
1.54
1.09
1.07
3.05
1.31
1.09
3.76
0.51
0.41
1.09
89
67
56
Debtor Days
108
14
42
176
180
166
34
38
Total Income
Total Liabilities
Audited
Financial Remarks :
The Sales Of The Firm Has Increased By 1.15 % Amounting To Rs 73.86 Lacs In F.Y 2011-12 & It Has Decreased To Rs 73.14
Lacs Showing Decreased Of -0.97 % In F.Y 2012-13
Gross Margins Of The Firm Are 8 % In F.Y 2010-11 & It Has Increased To 8.8 % In F.Y 2011-12 & It Has Increased To
9
Month/Year
Curr.
Stock
Debtors
Creditors
Total Amount
Apr-2013
INR
23.55
21.71
0.00
45.26
May-2013
INR
0.00
0.00
0.00
0.00
Jun-2013
INR
0.00
0.00
0.00
0.00
Jul-2013
INR
31.67
18.46
10.82
39.31
Aug-2013
INR
0.00
0.00
0.00
0.00
Sep-2013
INR
0.00
0.00
0.00
0.00
Oct-2013
INR
22.10
19.70
0.48
41.32
Justification
Margin Is 25% On Stock
Margin Is 50% On Book Debts
Margin Is 25% On Creditor
Calculation
Amount
(A)
73.14
(B=A+(37% of A))
(C=(25% of B))
25.05
(D=(20% of C))
5.01
(E=C-D)
(F)
0.00
(G)
20.04
100.20
20.04
Justification :
Plain renewal of cc of Rs.15 lacs
Unhedged Exposure(Rs in Lacs)
10
Comments
II.Financial Details
Details
FY
TNW( Rs Mn)
Total Unhedged Exposure
Eligibility Criteria
Bench Mark Value
Sl.No
Actual
Program Type
Text
Numeric
Text
Numeric
Sbf >10 To 25 L
Listed In Rbi Defaulters List
16
No
No
17
No
No
23
No
Na
No
No
Yes
Yes
30
5.00
31.00
3.00
Tod Days Per Quarter
34
10.00
Interest Servicing Within No. Of Days Of Month
35
7.00
16.00
75.00
126.00
Yes
Yes
20.00
21.00
11
1.00
2.50
Yes
Yes
Collateral Coverage
53
1.33
1.33
35.00
35.00
35.00
35.00
200.00
200.00
1.50
1.50
Deviations
Deviation Level
Deviation Description
Deviation Type
SYSTEM
SYSTEM
Comments Of Auditors :
Recommendations :
Considering Satisfactory Conduct Of Account, Good Business Vintage And In View Of Overall Financial Position, Case Is Recommended For Plain
Renewal Of Cc Limit Of Rs. 15 Lacs For One Year And Continuation Of Exisitng Term Loan Subject To Terms And Conditions Mentioned In The Cam.
Customer Grading :
Sl.No
Criteria:
Management
Years in business
Family in business
Grade A (4
marks)
Grade B (4
marks)
Grade C (4
marks)
Grade D(4
marks)
Details
Details
20
>=15 years
>=10 years
>=5 years
< 5 years
31
31
1st
generation
1st generation
20
4
12
Business Criteria
High
Multiple
involvement & businesses
competence
less
personalised
attn
5-10
No experience is a side
activity
High
10-20
5-10
Above 20
High
4
5-10
Low
Medium
High
High
High
Low
Medium
High
Medium
Medium
>2
>=1.5
>=1
<1
2.51
2.51
209
Financials
PMB/Facility Amount
251
Current Ratio
>=1.5
>=1.33
>=1
<1
3.00
3.79
ISCR
>=4.0
>=3
>=2
<2
2.03
2.67
>=2.5
>=1.0
<1.0
>=5.0
>=2.0
>=0.5
<0.5
<= 25
<=40
<=75
>75
88.9
66.6
For manufacturers
<=60 days
<=90 days
<=120 days
<=30 days
<=60 days
<=90 days
> 90 days
108
14
<=60 days
<=90 days
<=120 days
For Retail
<= 90 days
<=120 days
<=180 days
176
180
Auditor Qualification
No
qualification
Low
implication
Material
Implication
No
qualification
No
qualification
10
TOL
<=1.5
<=2.0
<=3.0
> 3.0
0.51
0.41
For Manufacturing
For Retail / Distributors /
Services
6
Debtor Days
Inventory Days
Financial Trends
Sales turnover
101
Net profits
121
>=125 of last 2 >=110 of last 2 >=100 of last 2 < 100 of last 2 149
Net worth + Unsec loans from
years average years average years average years average
promoters
165
29
Current ratio
206
Banking Behaviour
13
Overdrawing / TOD
Cheque Returns
Churn
No
overdrawing
Occasional
Overdrawing
Usually
Overdrawn
No
overdrawings
No
overdrawings
Prompt
<=30 days
> 30 days
Prompt
Prompt
No cheque
bounces
Outward
Cheques
Inward
Cheques
No cheque
bounces
No cheque
bounces
>= 75
>= 60
>=50
<=50
>= 75
>= 75
Score
68
Rating
5-
Grading Remarks
Score Ou To Be 68 With Grading 5-
Approval
Reason
EXISTING CUSTOMER
Remarks
Approved by
HIMANSHOO SHARMA
Annexures:
CRI Details
Proposal No
80861082
Client No
Client Name
202455
SME Classification
MEDIUM MANUFACTURING
: NO
NO
Commodities Exposure
Sensitive Sector
Commodities Details
Group Exposure
: NO
PSU
: No
Banking Method
Terms of % age
: 0
Lead/Member Bank
Project Finance
Subsidy Flag
SSI
Segment
Project cost(Rs)
: 0
: 0
No
Eligibility Certificate No
Unit
Sole
0.00
RBI Defaulter
: NO
Litigation
NO
: NO
Original Investment in
Equipment
14
Clients No
Clients Name
Status(Match/No Match)
****End of CAM****
15