Common Documents for Credit Proposal:
Application/ Letter with Broad Terms (Amount, Tenor, RoI, PF, Commission, Primary &
Collateral Security Coverage, Corporate Guarantee / Personal Guarantee)
Profile/ write-up / Information Memorandum on Company’s Business Model & Management
Background
Firm’s KYC Documents (Signed & verified copy) – PAN, GSTN, CIN, Cert. of Incorporation,
Udhyam Registration Certificate (URC), Copy of IEC Code in case of (import/ export), Rent
Agreement / Property Tax receipt + Latest Electricity Bill, Partnership Deed & RoF, For
Company - MoA & AoA, etc.
KYC of Promoters & Guarantors (Signed & verified copy) – PAN, Aadhar, Passport
Details of Group Firms & KYC Documents – PAN, GSTN, CIN, Cert. of Incorporation etc.
Details of Existing Loans/ Liabilities - (Sanctioned Limits, Present Outstanding)
Sanction Letter of Existing Loans/ Liabilities
All existing Loan & Current A/c Statements for last 12 months
External Credit Rating report (if available)
ITR & Last 3 Year’s ABS of Firm/ Company
Current year’s form 26AS (if available).
PBS & latest sales + (1 Year GST Returns Copy GSTR 3B)
Latest Stock & Receivables Statement with outstanding days bifurcation
Copy of Stock Audit Report (if available)
Copy of ASM report (if available)
Copy of Insurance policy.
CA certified Net worth certificate of each guarantor alongwith proofs such as Copy of Property
Tax receipts, LIC Policies copy, Demat/ Holding Statements, FDRs, Wealth tax assessment
orders etc.
Last 3 year’s ITR & Latest Bank Statements of Guarantors.
Details/ Description (Location, measurement, ownershiop etc.) of Immoveable property
offered as primary/ collateral security
Copy of Sale deeds, Approved Plan & Master File for Immoveable Security
(including NA Permission, Plan Approval, construction permission, Latest Tax paid receipt &
Occupancy Certificate (BUC))
Group Firms/ Companies Details:
Latest Banking (Sanction Letters & Statement of Accounts)
3 years’ Audited Financials of Sister Concerns
Valuation report from Bank’s empanelled Valuer [2 R for property
Legal Search Report from Bank’s Panel Advocate
ROC search report in case of companies
Due Diligence Report from Company Secretary / Chartered Accountant
Documents required for Working Capital Proposal:
CMA Data (Financial Projections) with justifications for Working Capital Cycle.
Assessment of Non Fund Based (LC / BG Limits)
Copy of Work Orders in Hand
Documents required for Fresh Term Loan Proposal:
Performa Invoices/ Quotations / Details of proposed project cost (in case of Term Loan
Details of Means of Finance including Source of Promoters Margin.
Information Memorandum, Detailed Project Report, Financial Model, CMA Data
Signed copy of Quotations of Plant & Machinery.
Background & profile of EPC contractor (Turnkey Contractor).
Brief Write-up on Proposed Project covering
Background of Promoters – Qualifications, Experience
Business Model
Manufacturing /Production process
Existing & proposed production capacity. Existing & proposed capacity utilization.
Availability of Subsidy
Selling arrangements etc.
Techno Economic Viability of Project.
GPCB permission (Consent to Establish i.e. CTE, Consent to Opertate i.e. CTO)/ CETP
Permission (water disposal)/ Power load sanction/ Factory License/ Gumastradhara/ Any
other License required for proposed activity