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20
2
Student’s Declaration
I hereby declare that the project report entitled “Small and Medium
Enterprise Financing” submitted in partial fulfillment of the
requirements for the Degree of Masters of Business Administration
in Finance to DSMS BUSINESS SCHOOL, DURGAPUR. (West Bengal
University of technology, West Bengal India,) is my original work and
not submitted for the award of any other degree, diploma, fellowship,
or any other similar title or prizes.
A project report
By
On
---------------------------------- ----------------------------------------------
Name: Name:
Qualification: Qualification:
Designation: Designation:
5
Of
From
“DSMS Business School”
Gopal Chandra Saha
Registration No. 092510710021
Roll no. 09251009040
Master of Business Administration (MBA)
Has worked under my supervision and guidance and that no part of this report has been
submitted for the awarded of any other degree, Diploma, Fellowship or other similar titles
or prizes and that the work has not been published in any journal or Magazine.
Certified
Guide’s name:
Qualification:
6
ACKNOWLEDGEMENT
The report bears the imprint of many people and without their support it
would not have existed.
First of all I would like to express my sincere in-debtless and profound sense
of gratitude to MR. Avisek Das, Relationship Manager of Standard
Chartered Bank, Siliguri Branch, whose continuous support in all manners
had made me capable to complete this project.
I acknowledge greatest thanks to Standard Chartered Bank for providing
me the opportunity to gain the practical knowledge by working in the
organization.
Thank you
1. INTRODUCTION
2. MAIN TEXT
• Financial Risks
• Lack of Financial Plans (Too many surprises & ad hoc decisions)
• Costs / Finances / Funds Inadequate attention to financial
disciplines and cash flow
• Inadequate financial plans & control over Cash Flows
(perpetually caught up in this vicious cycle).This can be dangerous.
• Inability to pay competitive wages / salaries to trained
professional in working classes
• Meticulous attention to funds flow & cash flows & follow up on
regular basis
• Marketing Risks
• Reach & Net working
• Dependence on few customers
• Technology Risks (Scope / Costs / Quality)
• Need for perpetual R&D
• Technology obsolescence
• Human Resource Risks
• Need for formally trained manpower
• Diversion of funds.
• Dissension among partners.
• Shortage of power.
• Technological obsolescence.
• Overdependence on purchases by Government.
• Lack of knowledge about various credit schemes
16
f. The number of products which are reserved for SME stands at 836
in 1994. This represents a decrease of only 7 items since the
economic reform process has been initiated in 1991.
The Government of India during the pre liberalization period i.e.
before 1991 had several incentives and subsidies for promotion of
SME sector. These included providing term finance at concessional
rates of Interest, higher debt-equity ratio, capital investment
subsidies to encourage investment in less developed areas,
incentives for starting electronic industries etc.
Working capital can be used for a variety of purposes. For one, it can
be used in the construction and renovation of a place for business. It
can also be used to acquire machinery needed for the business
operation.
There are many different working capital loans available. Here are
some common examples of the different forms that can be obtained.
20
2. Credit Line
A credit line can be used to get cash advances. This is similar to a
short term loan in that it is used for short term needs. Getting
approved for a credit line is dependent on a good credit rating.
3. Equity
These can be gotten from personal resources such as ones from a
housing property. Additional sources include friends and family
members. The terms are flexible allowing you the business owner to
grow your business rapidly without the headaches of traditional
loans and bureaucratic paper work involved with such a process.
These working capital loan program funds fast in as little as 20 to 30
days.
· Over 50 nationalities are represented among our top 500 senior executives.
· SCB is the only international bank with over 90% profits from Asia, Africa,
and the Middle-East.
· SCB is the only international bank with a long unbroken banking history in
India and
China.
· SCB is the largest international bank in India in terms of branch network
and profits
· SCB is the only bank in the Falkland Islands.
· SCB is one of three note issuing banks in Hong Kong.
a) Principles and Value
c) Brand promise
d) Values
· Responsive
· Trustworthy
· International
· Creative
· Courageous
e) Approach
·Participation
Focusing on attractive, growing markets where we can leverage our
relationships and expertise
· Competitive positioning
Combining global capability, deep local knowledge and creativity to
outperform our competitors
· Management Discipline
· Continuously improving the way we work, balancing the pursuit of
growth with firm control of costs and risks
25
Operation
But nothing works like a nudge from the Finance Minister himself. P
Chidambaram has asked the State Bank of India (SBI) to increase its
share of lending to this sector. “The bank should also use its vast
branch network to increase lending to the SME sector as it helps in
generating employment and also addresses the issue of balanced
regional development,” he said.
collateral security. SMEs can also apply for loans through the bank’s
website now. Another service in the pipeline is the roping in legal
and taxation experts as channel partners whose services SME units
could utilize. However, the most important thing is the client’s track
record, the bank maintains.
Though, these are recent initiative, almost all banks now have a
special package for this sector. The foreign banks don’t want to be
left behind either. Most of them want to target the neglected
segment of potential customers as many of these businesses get only
transactional banking services, because of their size and relatively
low cash flow requirements. Typically, these are customers who do
not have access to loans from private and nationalized banks based
on their income.
To top all initiatives, SBI, ICICI Bank and Standard Chartered Bank,
have agreed to join hands with the Small Industries Development
Bank of India (SIDBI) to float a rating agency for the SME segment.
The rating agency, Small and Medium Enterprises Rating Agency
(SMERA), will rate the company’s overall strength; unlike most
rating agencies whose core business are to rate debt instruments.
After the application form along with the documents are received by
the bank the credit manager first verifies the authenticity of the
documents and starts analyzing the various financial statements and
makes a report on the assessment of the Working Capital
Requirement with the help of CMA data sheet, prepares a Credit Risk
Rating, checks the past credit history of the firm and then finally
arrives at a decision to grant the loan.
FORM II: Details of Operating Statement for last two years audited
figures, current year estimates and projections for next year are
calculated. Here calculations for gross sales, net sales, cost of sales,
operating profit, other non-operating income, total income and
profit before tax is shown.
FORM III: Here the Balance Sheet for last two years audited figures,
current year estimates and projections for next year are analyzed.
The categories of broad heads here are Current Liabilities, Term
Liabilities, Net Worth, Total Liabilities, Current Assets, Fixed Assets,
other Non-Current Assets, Total Assets, Tangible Net Worth and Net
Working Capital. Current Liabilities include Short term borrowings
from banks/others, sundry creditors, advance from customers,
provisions, dividend payable, other statutory liabilities, other
current liabilities and provisions. The total of all these items
accounts for TOTAL CURRENT LIABILITIES (A). The term liabilities
include debentures, preference shares, term loans, and other
unsecured loans which totals to TOTAL TERM LIABILITIES (B).
(A+B) is the TOTAL OUTSIDE LIABILITIES. The NET WORTH (C)
includes share capital, general reserve, and profit and loss a/c. The
total of (A+B+C) forms TOTAL LIABILITIES. Current Assets include
cash/bank balance, investments (other than long term), receivables,
stock, and other current assets. The total of CURRENT ASSETS,
FIXED ASSETS AND NON-CURRENT ASSETS forms TOTAL ASSETS.
Net Working Capital is the difference of total current assets and
liabilities.
35
FORM V:
Computation of Maximum Permissible Bank Finance for Working
Capital Requirement for last two years audited figures, current year
estimates and projections for next year.
FORM VI: Details of funds flow statement for last two years audited
figures, current year estimates and projections for next year are
calculated. Here increase/decrease in current assets and liabilities
are shown in details. Along with the above forms a statement of
Analytical and Comparative Ratios is also submitted. These data are
also last two years audited figures, current year estimates and
projections for next year are calculated. The various ratios include
current ratio, Debt/Equity ratio, Bank borrowing/Total outside
liabilities, net sales/Total tangible assets, etc. Also stock of raw
material in terms of No. of months consumption, WIP in terms of No.
of months cost of production, FG in terms of No. of months cost of
sales, Sundry debtors in terms of No. of months sales are also given.
36
1. Origin
2. Evaluation
3. Negotiation
4. Approval
5. Documentation
6. Disbursement
7. Portfolio Management
8. Administration
9. Orderly Payment
10. Unforeseen, Workout & Re-Payment
The process starts with Origin where client referrals, prospect discovery and
outside referrals take place. After that the next step is Evaluation which is
the most important step and almost half of sanctioning process is completed
in this step. The step consist of the loan, the type of business that the
customer engage with, management, figure and risk rating to determine the
credit worthiness of the client and to arrive at the lending rate. The rest of
the steps take place in the given sequence as shown in Fig 1.
The process can be easily understood with the help of this diagram:
40
Orderly Repayment
Administration
Re-payment
Figures Unforeseen Principal in full
Collateral Interest in full
Payment Workout
Credit review Early Recognition
Restructuring Re-payment
Management of plans Principal in full
Legal Efforts Interest in full
Re-Organization
Term of Recognition
41
• Actually SME is looking for short & medium type business. This SME is
providing a simple way to develop the businesses. Every business men are
getting these opportunities through Standard chartered bank. This bank
provides CC with less interest than any other banks. Under this project the
following 20 segments are functioning in this bank.
1. Automobile 2 wheeler
2. Automobile 4 wheeler
3. Foods grains
4. Traders of Oil
6. Traders of Electrical
7. Retailer of Garments
8. Traders of Pulses
• Objective of the project: The main object of this project was found out the
top five players from this segment with respect of their turnover. I surveyed the
Siliguri market and it was found that maximum businessman’s turnover was
above 5 crore.
So many small and medium 2wheeler auto dealers are situated in Siliguri. These
auto dealers are doing their business in siliguri market with high or medium
turnover.
43
These auto dealers are like i) Hero Honda (Beekay Auto Pvt. Ltd) ii) Yamaha
(National motors) iii) TVS motor (Annapurna house) iv) Bajaj (Siliguri Auto works
pvt. Ltd) v) Royal Enfield (Siliguri Distributors) vi) Kinetic vii) LML
Basically the segment of Standard Chartered Bank is to find out top five players
in siliguri market. After survey of 2 wheeler auto dealers in siliguri market those
auto dealers are playing with high value of turnover in the 2 wheeler sectors,
they are i) Beekay auto pvt. Ltd. ii) Annapurna house iii) Siliguri auto works pvt.
Ltd. iv) National motors v) Siliguri distributor.
These auto dealers are doing their business with the help of different banks like
SBI, HDFC, Union Bank, AXIS Bank, Canara Bank, PNB, Karnataka Bank etc.
Mainly they have chosen their existing bank for their self satisfaction. Some
banks do not provide “CC” to the auto dealers because the criteria are not
fulfilled by the customer. The criteria should match with the banker’s
requirement.
As examples, Hero Honda (Beekay auto pvt Ltd) has 15 crore turnover p.a. and
following CC form SBI with 12.5% interest because the organization is getting
better facilities from SBI.
Bajaj (Siliguri auto works pvt ltd) has 13 crore turnover p.a. and their existing
bankers are SBI, HDFC and using CC from SBI with 12.25% interest because they
are getting good facility.
TVS (Annapurna house) has 12 crore turnover p.a. and they are using CC from
Canara Bank because they enjoying better facilities with 12.5% interest. Their CC
limit is 1 crore.
Yamaha (National motors) has 8 crore turnover p.a and they are satisfied by
HDFC bank at 12.25% interest because they believe to do banking with good
relationship. So Yamaha get good relation with HDFC.
Royal Enfield (Siliguri Distributors) has 6 crore turnover p.a. and they are
enjoying their banking with Karnataka Bank and using current account.
44
If the top five players of two wheeler auto dealers are shown in a graph then it
will show the exact position among them in siliguri market.
There are so many 4wheeler auto dealers in siliguri. They are doing their
business with their long year experience and with their relationship of banks.
The banks are all time helping them to do their business. The business men are
getting different types of facility from banks i.e. working capital loan, term loan,
Cash Credit etc. Some business man doesn’t want to change their bank for their
long year relation.
Their existing banks are SBI, HDFC, AXIS, ICICI, PNB etc. Maximum dealers are
doing their business with SBI because it is the oldest Govt. bank in siliguri.
45
The survey report has detailed about the top five 4wheeler auto dealers in
siliguri. This auto dealer has positioned on the basis of their turnover.
These 4wheeler auto dealers are Kaysons Motors, Bajla motors Pvt. Ltd, Topsel
Toyota, Beekay Auto, Durga Hyundai, Ravi Auto (Mahindra) etc.
These top five auto dealers (4wheeler) are banking with SBI, ICICI, AXIS, and
HDFC.
Beekay Auto (Maruti Suzuki) is the top player in this segment because Maruti
Suzuki has great demand in this siliguri market. Their products are Alto,
ZenEstilo, Versa, Ritz, Aster etc. Their turnover is 12 crore and they are using
“CC” from SBI with 12.5% interest. They believe that SBI is Govt. bank and it has
more secured than private bank.
Bajla motors pvt. Ltd (Tata) is also reputed organization in siliguri. Their turnover
is 8 crore and they are also using “CC” from ICICI bank with 12% interest.
Kaysons House (Chevrolet) is 6 years old organization and its turnover is 4.2
crore. Their existing banks are Axis, SBI and ICICI. They are using “CC” from SBI
with 11.5% interest.
Ravi Auto (Mahindra) has 7 crore turnover and their existing bank is HDFC. They
follow “CC” of this bank with 12% interest. They have chosen this bank for their
long year relationship.
Durga Hyundai (Hyundai) has 5 crore turnover and their existing banks are HDFC,
ICICI. They have only normal current account.
46
There are so many food grains dealers in siliguri market. Maximum business men
are running their business from generation with their own experience and also
they are very qualified person. Their business strategies are totally different with
others. Maximum business men are following Govt. bank because it is more
secure than private bank. Actually this type of dealers follows the other dealer
that how they are dealing their business and how they are benefited by bank
etc. At that time of survey so many business men are not like to share their
turnover, their existing bank, their stock level etc. Because they think that it can
be hamper their business indirectly.
After survey I have found some top food grain players in siliguri market and
within this player I have located top five players. They are PP Commercial,
Motikar trading co., S.K enterprise, Mangal chand Anup kr., Motilal Kisan lal.
Though they are dealing with other private bank yet they follow SBI only for
their business safety. Their turnover is 8 crore.
Motikar trading co. has good business in siliguri market. Their turnover is 5 crore
and their existing bank is SBI. They follow CC at 12 % interest.
Mangal chand Anup kr has 6 crore turnover. They follow CC from PNB with
11.50% interest. This organization believes on cash transaction and they have
minimum creditors account in their balance sheet.
S.k enterprise has 7 crore turnover. Their existing bank is SBI and they follow CC
at 12% interest. This organization is very old organization and the owner of this
organization is very educated. His business handling ability is very good and I can
say he is perfect gentle man.
Motilal Kisan lal has 4 crore turnover. Their existing bank is Standard Chartered
Bank. They follow CC at 11.25% interest. They are satisfied with their banking
because they are more facility than the other banks.
10
9
8
7
6
5
4
3
2
1
0
Motikar Mangal Chand S.K Enterprise Motilal Kishan PP commerce
trading Co. Anup kumar Lal
48
4. Trader of Oil:
This type of business is situated in siliguri’s Nayabazar. They all are very
experience person. They have been doing their business for so many years.
Maximum dealers prefer SBI for their banking transaction and beside this bank
they also prefer HDFC, ICICI, Union Bank, Bank of Baroda etc. Though in this
segment every business is touching the position of crore but after surveys I have
found some top class dealers at nayabazar.
They are G.Corporation, Chandan Mal Kisan Lal Trader, Kalika & Sanghai
Distributor, Mahendra Munna Distributor, Biresh lal Jagdish Prasad. They all are
top class business man in this segment. Their oil products are Ruchi, Tulsi,
Emmami, Fortune etc.
G.Corporation is doing their banking transaction with SBI and HDFC. They also
follow CC (Cash Credit) of SBI at 11.5% interest. Their turnover is 15 crore. I have
talked with Jiban Krishna Roy, the owner of this business and a very experienced
person. He shared me about his business’s turnover, existing banks and vintage
of this business. The vintage of this business is above 15 years.
Kalika & Sanghai Distributor is very reputed business man at Nayabazar and they
have two firms, first is Kalika Distributor and second Sanghai Distributor. The
owner of this firm is Naresh Kr. Sanghai. Their turnover is 8 crore and they have
70 lakh CC in HDFC Bank at 12% interest. But they are not satisfied with HDFC’s
customer service. When I informed some great offer of Standard Chartered Bank
then he want to shift his bank because Standard Chartered interest is CC interest
rate is 11.25%. I have also arranged a meeting with my senior for their bank
shifting.
Mahendra & Munna Distributor has 7 crore turnover and they follow CC HDFC
Bank at 11.75% interest. The Owner of this organization is OM
Prakash Agarwall is a very good business man and also very experienced person.
49
Chandan Mal kishan Lal Trader has 10 crore turnover and the vintage of this
business is 20 year. They have the dealership of Tulshi oil and they follow CC
with SBI at 10.68% interest. Their CC limit is 94 lakh.
Biresh Lal Jagdish Prasad has 7 crore turnover and they follow CC with Bank
Baroda at 12.25% interest. The owner of this business is Nand kishore Agarwall.
He will be also shifting his bank with our bank because he is not satisfied with
Bank of Baroda customer service
16
14
12
10
8
6
4
2
0
G. Kalika & Chand Mal Mahendra & Biresh Lal
Corporation Sanghai Trader Munna Jagdish
Distributor Prasad
This type of business is situated in siliguri’s Church road. They all are very
experience person. They have been doing their business for so many years.
Maximum dealers prefer SBI for their banking transaction and beside this bank
they also prefer HDFC, ICICI, Union Bank, Bank of Baroda etc. Though in this
segment every business is touching the position of crore but after surveys I have
found some top class dealers at Church road.
In this segment the top five players are Siliguri Sanjay Traders, R.K Sanitation,
Classic Sanitation, Sushil Sanitary Mart, and Shree Omkar Trader.
50
Siliguri Sanjay Trader is doing their banking transaction with HDFC. They also
follow CC (Cash Credit) of SBI at 11.5% interest. Their turnover is 6 crore. I have
talked with Bimal Agarwal, the owner of this business and a very experienced
person. He shared me about his business’s turnover, existing banks and vintage
of this business. The vintage of this business is above 15 years.
R.K Sanitation is very reputed business man at Church road and they have two
firms, first is R.K Sanitation. The owner of this firm is R.K Agarwall. Their turnover
is 4 crore and they have 30 lakh CC in PNB Bank at 12% interest.
Classic Sanitation Distributor has 2 crore turnover and they follow CC SBI Bank at
12% interest. The Owner of this organization is P.K Agarwall a very good
business man and also very experienced person.
Sushil Sanitary Mart Trader has 3 crore turnover and the vintage of this business
is 20 year. Their bank is IDBI bank and they don’t follow any CC but now they
want to create it in Standard Chartered Bank. They are interest for 50 lacks limit
CC.
Shree Omkar Trader has 1 crore turnover and they follow CC of Canara Bank at
12.25% interest. There CC limit is 10 Lacks and the owner of this business is
Navin Agarwall.
51
3.5
2.5
1.5
0.5
0
Siliguri Sanjay Shree Omkar Sushil Sanitary Classic Sanitation R.K Sanitation
Traders Trader Mart
There are so many Electricals dealers in siliguri market. Maximum business men
are running their business from generation with their own experience and also
they are very qualified person. Maximum business men are following Govt. bank
because it is more secure than private bank. Actually this type of dealers follows
the other dealer that how they are dealing their business and how they are
benefited by bank etc. At that time of survey so many business men are not like
to share their turnover, their existing bank, their stock level etc. Because they
think that it can be hamper their business indirectly. There are so many electrical
dealers in siliguri market and difficultly it was founded top five players in this
market.
52
So these players are Shree Shyam Supplier, Jyoti Enterprise, Mahavir Electricals,
Bharti Enterprise and Sanjay Electrics.
Shree Shyam Supplier is doing their banking transaction with SCB. They also
follow CC (Cash Credit) of SCB at 11.25% interest. Their turnover is 12 crore. I
have talked with Manish Golyan, a very experienced person. He shared me
about his business’s turnover, existing banks and vintage of this business. The
vintage of this business is above 15 years.
Jyoti Enterprise is very reputed business man at Church road.The owner of this
firm is OM Prakash Agarwall. Their turnover is 9 crore and they have 2 crore CC
limit in SCB at 11.25% interest.
Mahavir Electricals Distributor has 5crore turnover and they follow CC SCB at
11.25% interest. Their CC limit is 1 crore. The Owner of this organization is Dhiraj
Golyan a very good business man and also very experienced person.
Bharti Enterprise has 2 crore turnover and the vintage of this business is 20 year.
Their bank is PNB and they follow CC in this bank.
Sanjay Elecricals has 3 crore turnover and they follow CC of Bank of Baroda at
12.25% interest. There CC limit is 50 Lacks and the owner of this business is P.K
Agarwall.
53
10
0
Shree Shyam Mahavir Jyoti Bharti Sanjay
Supplier electricals Electricals Electricals Electricals
7. Retailer of Garments:
There are so many Garments retailer in siliguri. They all very habituated and
highly educated person. Maximum business men are following Govt. bank
because it is more secure than private bank. Actually this type of dealers follows
the other dealer that how they are controlling their business and how they are
benefited by bank etc. But their turnover is not very high as like other segment.
Maximum business men are not follow CC, they use only normal current
account.
The top five players are Agarwal Brothers, Rony’s, Guru Nanak Garments, JP
Brothers, and Modi Garments.
54
Agarwal Brothers is situated at gouri sankar market .The owner of this firm is S.K
Agarwall. Their turnover is 1 crore and their bank name is Bank of Baroda.
Rony’s is situated at gouri sankar market .The owner of this firm is Manab Dutta.
Their turnover is 48 lacks and their bank name is Grameen Bank. They follow CC
at 5 lack limit.
Guru Nanak is situated at gouri sankar market .The owner of this firm is Jashbir
Singh (Sonu). Their turnover is 40 lacks and their bank name is ICICI Bank.
Modi Garments is situated at gouri sankar market .Their turnover is 30 lacks and
their bank name is HDFC, AXIS Bank.
8. Traders of Pulses:
All this dealers are situated in siliguri at nayabazar and they are very
knowledgeable person. They know how to control business and customer. After
my survey, I have found that maximum business men are depending on Govt.
55
bank and they does not trust private bank. Though the private banks are giving
maximum facility than Govt. bank yet they believe on Govt. bank. I have found
some five players at nayabazar. They are Shree Bhawani Enterprises, PP
Commercial, Sanjay kr. Rajib kr., Mahendra & Munna Distributor, Binod kr &
Monoj kr.
Mahendra & Munna Distributor has 7 crore turnover and they follow CC HDFC
Bank at 11.75% interest. The Owner of this organization is OM Prakash Agarwall
a very good business man and also very experienced person.
Binod kr. & Monoj kr. has 6 crore turnover and they follow CC in HDFC Bank at
11.75% interest. The Owner of this organization is Ajay Agarwall.
30
25
20
15
10
0
Shree PP Sanjay kr. Mahendra & Binod kr.&
Bhawani Commercial Rajib Kr. Munna Monoj kr.
Enterprise Distributor
56
All this dealers are situated in siliguri and they are very knowledgeable person.
They know how to control business and customer. After my survey, I have found
that maximum business men are depending on Govt. bank and they does not
trust private bank. Though the private banks are giving maximum facility than
Govt. bank yet they believe on Govt. bank because their money is safe in Govt.
bank. I have found top five hardware dealers in this market. They are Siliguri
Balaji Stores, Mahavir Traders, Sinhal Brothers & Co., Durga Iron Steel and
Shyam Hardware Store.
Siliguri Blaji Store has 4 crore turnover and they follow CC in Union Bank at 12%
interest. The Owner of this organization is Bijay Kr. Agarwall.
Mahavir Traders has 5 crore turnover and they follow CC in SBI at 11.75%
interest. The Owner of this organization is Chandan Mal Agarwall. They also do
their business with Canara Bank.
Sinhal Brothers & Co. has 6 crore turnover and they follow CC in SBI at 11.5%
interest.
Durga Iron Steel has 3 crore turnover and they follow CC in HDFC Bank at 12%
interest. The Owner of this organization is Sankar Lal Agarwall.
Shyam Hardware Store has 4 crore turnover and they follow CC in SBI at 11.75%
interest. The Owner of this organization is Pradip Agarwall.
57
10
0
Siliguri Balaji Mahavir Sinhal Durga Iron Shyam
Store Trader Brothers & Steel Hardware
Co. Store
All this dealers are situated in siliguri and they are very knowledgeable person.
They know how to control business and customer. After my survey, I have found
that maximum business men are depending on Govt. bank and they does not
trust private bank. Though the private banks are giving maximum facility than
Govt. bank yet they believe on Govt. bank. I have found top five hardware
dealers in this market. They are Siliguri Builders (P) Ltd, Bajrang Trading Co.,
Ganesh Steel Syndicate, Kundu Complex and Durga Iron Store.
Siliguri Builder has 100 crore turnover and they follow CC in SBI at 12% interest.
The Owner of this organization is Bikash Agarwall.
Bajrang Trading Co. has 3 crore turnover and they follow CC in OBC at 12%
interest. The Owner of this organization is Mr.P.K Agarwall. Their CC limit is 30
lacks.
Ganesh Steel Syndicate has 5 crore turnover and they follow CC in SBI at 12%
interest. The owner of this organization is Sanjib Agarwal.
58
Kundu Complex has 5 crore turnover and they follow CC in HDFC Bank at 11.75%
interest. The Owner of this organization is Samir Kundu.
Durga Iron Steel has 3 crore turnover and they follow CC in HDFC Bank at 12%
interest. The Owner of this organization is Sankar Lal Agarwall.
100
90
80
70
60
50
40
30
20
10
0
Siliguri Bajrang Ganesh Steel Kundu Durga Iron
Builder Trading Syndicate Complex Steel
All this dealers are situated in siliguri and they are very knowledgeable person.
They know how to control business and customer. I have found top four
hardware dealers in this market. They are Sunrise Builders, Shiv Builders, M.K
Trading Co., Builders Steel Center.
Sunrise Builders has 60 crore turnover and they follow CC in Union Bank at 12%
interest. The Owner of this organization is Rajesh Agarwall.
59
Shiv Builders has 25 crore turnover and they follow CC in SBI at 12.5% interest.
The Owner of this organization is Susil Agarwall.
M.K Trading Co. has 10 crore turnover and they follow CC in IDBI Bank at 12%
interest. The Owner of this organization is Mahesh Bhansali.
Builders Steel Center has 9 crore turnover and they follow CC in SBI at 12%
interest. The Owner of this organization is B.P Agarwall.
BB Agarwal & Sons has 11 crore turnover and they follow CC in Indusind Bank at
12% interest.
70
60
50
40
30
20
10
0
Sunrise Builder Shiv Builders M.K Trading Co. Builders Steel BB Agarwal & Sons
Center
All this dealers are situated in siliguri at Khudiram Pally. After survey I have
found top five players of pharmaceuticals. They are Sunrise Distribution, Gunjan
Distributors, Anand Pharmaceuticals, P.C distributor, Bikash Medical, Shree
Shyam Pharmaceuticals.
Sunrise Distribution has 2 crore turnover and they follow normal current account
Bank of Baroda. The Owner of this organization is Suresh Kr. Singla.
Gunjan Distribution has 1 crore turnover and they follow Current account PNB.
The Owner of this organization is Prasanjeet.
Anand Pharmaceuticals has 50 lakh turnover and they follow Current in Union
Bank. The Owner of this organization is Susil Agarwall.
P.C Distributors has 25 lakh turnover and they follow normal current account.
60
Bikash Medical has 20 lakh turnover and they also follow current account in SBI.
2.5
1.5
0.5
0
Sunrise Gunjan P.C Distribution Anand Bikash Medical
Distribution Distribution Distribution
I have found five electronics retailers in this siliguri market and like others they
also follow Govt.Bank. These players are Sony Center, Millennium Info system,
Computer land, Mahavir Stores and Sri Krishna Distributor.
Sony Center has 1 crore turnover and they follow normal current account in
Bank of Baroda.
Millennium Info system has 2 crore turnover and they follow Current account in
Bank of India. I have met with Suman Banik and he has given me this
information.
Mahavir Stores has 3 crore turnover and they follow CC in PNB. I have met with
Pradip Agarwal and he has given me this information about their business.
Sri Krishna Distributor has 3 crore turnover and they follow normal current
account in Syndicate Bank. The CC limit of this organization is 70 lakh.
Computer Land has 2 crore turnover and they follow current account in Bank of
India.
61
5
4.5
4
3.5
3
2.5
2
1.5
1
0.5
0
Sony Center Millennium Info Mahavir Stores Sri Krishna Computer Land
System Distributor
Maximum top class dealers are situated in siliguri at Hill Curt road. After survey I
have found top five players of Jwellery. They are Bidhan Jwellery, Diamond
queen Jwellery, Senco Gold, Guinea House, Das Jwellery.
Bidhan Jwellery has 6 crore turnover and they follow CC account in SBI. The CC
interest rate is 13%.
Gunjan Distribution has 3 crore turnover and they follow CC account SBI. I talked
with Ajay Das; he is one of member in this organization.
Diamond Queen has 5 crore turnover and they follow CC in SBI. The Owner of
this organization is Pawan kr. Sinhal.
Senco Gold has 4 crore turnover and they follow CC account in ICICI bank.
Das Jwellery has 2 crore turnover and they also follow current account in SBI.
62
10
9
8
7
6
5
4
3
2
1
0
Bidhan Jwellery Gunjan Distribution Diamond Queen Senco Gold Das Jwellery
All this dealers are situated in siliguri at Nayabazar road. After survey I have
found top five players of Sugar dealer. They are Bengal Agencies, PP Commercial,
Sanjay kr.Rajib kr., S.K Enterprise and Seven days foods (P) Ltd.
Bengal Agencies has 100 crore turnover and they follow CC account in SBI. The
CC interest rate is 11.5%. I have met with Kisan Agarwal and he has given me this
information.
PP Commercial has 18 crore turnover and they follow CC account SBI. I have met
with Rajesh Agarwal; he is one of the members of this organization. They also
follow HDFC and ICICI bank.
Sanjay kr. Rajib kr. has 5 crore turnover and they follow current account in SBI. I
have met with Rajib Kr.
Seven days foods (P) Ltd has 4 crore turnover and they follow normal current
account in HDFC.
63
10 100 18
9
8
7
6
5 5
4 4
3 3
2
1
0
Bengal PP S.k Sanjay Kr. Seven days
Agencies Commercial Enterprise Rajib kr. foods (P)
Ltd.
Siliguri is very famous for Tea and for me it is very easy to find top five players.
So these players are Sri Rama Tea Manufacturing Co. (P) Ltd., Rai & Co,
Putinbaree Tea Association Ltd, Avinash Tea Co. and Dewkinandan shivshanker.
Sri Rama Tea Manufacturing Co. has 20 crore turnover and they follow CC
account in SBI. The CC interest rate is 11.5%. I have met with Babulal Agarwal
and he has given me this information.
Rai & Co. has 5 crore turnover and they follow CC account in United Bank. I have
met with S.Roy; he is one of the members of this organization.
Putinbaree Tea Association Ltd. has 3 crore turnover and they follow CC in SBI.
Chandanmal Binod Kr. traders has 25 crore turnover and they follow CC in UCO
Bank. I have met with Rambilash Gloyel.
64
Avinash Tea Co. has 6 crore turnover and they follow CC account in SBI and their
CC limit is 31 lakh.
25
20
15
10
0
Shree Rama Tea Rai & Co. Putinbaree Chandanmal Binod Avinash Teac
Manufaturing Co. Kr.
There so many marbles dealers in siliguri and they are Ridhi Sidhi Marbles,
Haryana Marbles, Marbles House, Ganpati Marbles, and Bhawani Marble &
Sanitation.
Ridhi Sidhi Marbles has 20 crore turnover and they follow CC account in IDBI.
The CC interest rate is 11.5%. I have met with Ram Agarwal and he has given me
this information.
Haryana Marbles has 5 crore turnover and they follow CC account in SBI.
Marbles House has 3 crore turnover and they follow CC in SBI. The owner of the
organization is Dalon Mondol.
65
Ganpati Marbles traders has 3 crore turnover and they follow CC in SBI. I have
met with Pramod Maiya.
Bhawani Marble & Sanitation has 2 crore turnover and they follow CC account in
SBI. The owner of the organization is Ashok Goel.
25
20
15
10
0
Ridhi Sidh Haryana Marbles Ganpati Bhawani
Marbles Marbles House Marbles Marble &
Sanitation
66
4.1 Questionnaire
2. Address:
……………………………………………………………………………………………………………………………
……………………………………………………………………………………………………..
6. Designation:
7. Contact no:
8. Level of stock:
9. Paid stock:
………………………………………………………………………..
18. Do you think that your bank is providing quality customer care services?
a) Yes b) No
………………………………………………………………………………………………………..
………………………………………………………………………………………………………..
Date.
69
TRADER OF CEMENT
Sl Present
No. Name Contact Person Address & Phone No. Bankers Turnover
3rd mile Infront of Sonamotor,Sevoke
1 Sunrise Builders Rajesh Agarwal Road,SLG,Ph no.9434045411 Union Bank 60 Crore
Burdwan Road,SLG,PH
2 Shiv Builders Susil Agarwal no.9434045148 SBI 25 crore
2nd mile,Sevoke Road.Ph
3 M.K.Trading Co. Mahesh Bhansali no.9434044691 IDBI 10 Crore
Builders Steel
4 Center(Ultra Tech) B.P Agarwal Sevoke Road,SLG,Ph no.2777553 SBI 9 crore
Indusind
5 BB Agarwal & Sons KC Dey Road,Ph no. 2430732 Bank 11 Crore
6
RETAILER OF GARMENTS
Sl Present
No. Name Contact Person Address & Phone No. Bankers Turnover
Bank of
1 Agarwal Brothers S.K Agarwala Seth Srilal Market,SLG,Ph no.2530348 Baroda 1 crore
HDFC,Bank
of india50
2 Sachin Sourav Retails G.Agarwal H.C Road,SLG,Ph no.6459401 akh 30 lakh
Gouri Sankar Market,SLG,Bidhan Grameen
3 Rony's Manab Dutta Road,SLG,Ph no.2536410 Bank 48 lakh
ICICI
Gouri Sankar Market,SLG,Bidhan Bank,Axis
4 G.M. Dresses Suman Road,SLG,Ph no.2537165 Bank 20 lakh
Guru Nanak Jasbir Gouri Sankar Market,SLG,Bidhan
5 Garments Singh(Sonu) Road,SLG,Ph no.9832328008 Union Bank 40 lakh
Gouri Sankar Market,SLG,Bidhan
6 Pradeep Trading Pradeep Road,SLG,Ph no.9832317075 ICICI 24 lakh
Gouri Sankar Market,SLG,Bidhan
7 Kamal Hosiery P.C Sharma Road,SLG,PH no.9434188388 IDBI 20 lakh
Gouri Sankar Market,SLG,Bidhan
8 J.P Brothers Road,SLG ICICI 50 lakh
Gouri Sankar Market,SLG,Bidhan
9 Modi Garment Road,SLG HDFC,Axis 30 lakh
RETAILER OF ELECTRONICS
Sl Present
No. Name Contact Person Address & Phone No. Bankers Turnover
Bank of
1 Sony Center Sevoke RoadSLG,Ph no.2641654 Baroda 1 crore
Millennium Info Bank of
2 system Suman Banik Sevoke Road,Slg,Ph no.2641808 India 2 crore
3 Computer Land Sevoke Road Sevoke Road,SLG,Ph no.2642980 BOI 2 crore
Sevoke Road,Siliguri,Ph
4 Mahavir Stores Pradip Agarwal no.9932210531 PNB 3 Crore
Syndicate
5 Sri Krishna Distributor Ronit Agarwal Nayabazar,SLG,Ph no.2503117 Bank 3 Crore
RETAILER OF JEWELLERY
Sl Present
No. Name Contact Person Address & Phone No. Bankers Turnover
1 Guinea House Ajay Das Hilcurt Road,Siliguri. Ph no.2430446 SBI 3 Crore
Hilcurt Road,Siliguri. Ph
2 Das Jewellery no.9832033325 PNB 2 Crore
3 Jashamati Jewellery Hilcurt Road,Siliguri. Ph AXIS Bank 1 Crore
71
no.9832015251
Hilcurt Road,Siliguri. Ph
4 Senco Gold no.9874027010 SCB,ICICI 4 crore
5 Bidhan Jewellery Hilcurt Road,Siliguri.Ph no.2530358 SBI 6 crore
Diamond queen
6 Jwellers Pawan Kr. Sinhal Seth Srilal Market,SLG,Ph no.2520016 SBI 5 Crore
Chandan Prakash Seth Srilal Market,SLG,Ph
7 Silver Queen Jwellers Sinhal no.9832375446 ICICI 1 Crore
Min 50
8 Ujjwala Jewellery Ram Ch. Pal Hilcurt Road,Siliguri.Ph no.9434377443 SBI akhs
\
TRADER OF TEA
Sl Present
No. Name Contact Person Address & Phone No. Bankers Turnover
Sri Rama Tea
Manufacturing Co.(p) Naya Bazar,Siliguri,Ph No:
1 Ltd. Babulal Agarwal 9434019301 SBI 20 Crore
133,Hill Cart Road,Siliguri,Ph United
2 Rai & Co. S.Roy no:9832367275 Bank 5 Crore
Putinbaree Tea Ass. Mangturam Road(Khalpara),SLG,Ph
3 Ltd. G.R Agarwal no.9434059998 SBI 8 Crore
Khapara,Ward no.8,SLG,Ph SBI,Union
4 Avinash Tea Co. no.9933808882 bank 6 Crore
Mahesh Kr. Dr.Kalinath Road(Naya Bazar),Ph
5 Rambilas Roshanlal Agarwal no.9832063258 SBI/PNB 50lakhs
Dewkinandan
6 shivshanker Awind Singhal Mahabirsthan,slg,ph:9832010499 SBI 3 crore
M/S Chandan tea
7 corporation Rajib Hillcurt Road,slg,ph:9735000000 Union Bank 2crore
8 Usha tea traders Pradip Ghosh Hillcurt Road,slg,ph:0353-2431283 SBI 2 crore
Chandanmal Binod
9 Kr. Rambilash Gloyel Naya Bazar,Siliguri,Ph no.25022424 UCO 25
MARBLES
Sl Present
No. Name Contact Person Address & Phone No. Bankers Turnover
3rd mile Sevoke Road,SLG,Ph
1 Ridhi Sidhi Marbles Ram Agarwal no.9332230051 IDBI 20 Crore
2nd mile,Sevoke Road,SLG,Ph
2 Marbles House Dalon Mondol no.9832009987 SBI 3 crore
3rd mile ,Sevoke Road,Ph
3 Haryana Marbles no.9641021325 SBI 5 crore
Burdwan Road,Near Jalpaimore,Ph
4 Bharat Marbles Suresh Dalmia no.9832073766 IDBI 1 crore
Rameshwaram 4th mile,Sevoke Road,SLG,Ph Rajastan
5 Marbles&Tiles Shiv Kr. Agarwal no.9093368972 Bank 2 crore
Balchand 2nd mile,Sevoke Road.Ph
6 Jain Marbles Choraria no.9832032135 SBI 15-20 lakhs
3rd mile,Sevoke Road,SLG,Ph
7 Marble Centre Avinash Mantri no.9933471226 BOB 50-70 lakhs
Bhawani Marble & 2.5 mile,Sevoke road,SLG,Ph
8 Sanitation Ashok Goel no.9832321117/9832035619 SBI 2 Crore
3rd mile, Sevoke Road,SLG,Ph
9 Ganapati Marbles Pramod Maiya no.9832024666 SBI 3 Crore
Kailash
10 Balaji Tiles Chowdhary 2nd Mile,Opp. Prapti Showroom ICICI 60 lakhs
Distributors
Sl Present
No. Name Contact Person Address & Phone No. Bankers Turnover
1 Lal Chand Amar Suraj Kundolia S.F road,SLG,Ph no. 9434044766 HDFC 5 crore
72
chand
2 Pen corner Ramesh Agarwal Mahabirsthan Road,Slg,Ph no.2504898 Union Bank 1 Crore
Niranjan Network(P) 330,SF road,Behind urbashi Cinema
3 Ltd. Receiption Hall,SLG, Ph no. 9378189003 ICIC Bank 4 Crore
Chandan Kr.
4 Bidya Trader Gupta Mahabirsthan Road,Slg,Ph no.2503403 SBI 1 crore
Dindayal
5 Marda Enterprise Maheswari Nayabazar,SLG,Ph no.923341934 Union Bank 5crore
Mahabirsthan Road, SLG, Ph
6 Mundra Agen Govind Mundra no.9434067111 PNB 1 crore
7 S.p Trading Nirmal Mahabirsthan Road,Slg,Ph no.2778242 SBI 3 crore
73
5. REFERENCES