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SILIGU_SILIGURI WEST BENGAL. -00125
Values are in Lakhs
Borrower /Company Profile
(Rs. in )
Zone: CAZONE_KOLKATTA_ZONAL Branch Region: SILDIV_REGIONAL
Branch:
OFFICE Code: 00125 OFFICE SILIGURI
Name of the Unit : HINDUSTHANENTERPRISE
Name of Promoter(s)/Proprietor/Partner(s)/Key Person(s): PRADIP BARDIA,BIJAY BARDIA
Priority Sector Yes
Industry: Type of Proposal: Fresh
Location:
i) Registered Office Address: RAJGANJ fULBARI-1 , FULBARI-I DIST JALPAIGURI , JALPAIGURI ,
JALPAIGURI , WEST-BENGAL -734015
ii) Factory Address:
iii)Corporate Office
Address:
iv)Mobile No. :918436558995 Telephone No. :918436558995
Passport No(For all Partners/Directors):
GSTIN: Eligible DIN:
GST No.: 19AAGFH0479L1ZY
PAN: AAGFH0479L
CIN: NA
Udyog Aadhar/Udyam
WB09A0001720
Registration:
Aadhar No of Applicant(If
Applicable):
ZED Rating
SME/MSME Rating(If
Any):
GeM Registration
ISO Certification
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CIC / Commercial Rating
Validity of Pollution Control
Certificate ( if applicable )
Remark
CIC Report Taken Dated:
s:
MSME Classification:
Invt. in P& M,equip etc.: Activity: BSR Code:
Turnover: Manufacturing
as on :2022 - 2023
Banking with us since:
Date of incorporation/ Establisment: 01/04/2006
01/02/2024
CGTMSE Guarantee Fee :
,
Coverage under any guarantee schemes:
Annual service fee : ,
DAN :
Any Govt Sponsored schemes (If so, Specify)
Limits with other bank :
FB : 0
Banking Arrangement : Sole
NFB : 0
Total : 0
Comments upon CRILIC Report (if any) No Data Found / Not Applicable
Central Fraud Registry
Date of last Review/Renewal
IRAC/SMA Status (CFR)
NA
Internal Rating Name of the Model Grade
Summary/Score MSME Score card for upto Two Crore CBI 3
Present Proposal
a) Sanction For : 1 ) Fresh GENERAL MSME -Rs 20.00 lakhs
b) Approval For :
c) Confirmation of :
2021-22 2022-23 2023-24 2024-25 2025-26
Particulars
( Aud ) ( Aud ) ( Est ) ( Proj ) ( Proj )
Net Sales 89.81 80.51 100.64 117.86 141.44
(Export) 0.00 0.00 0.00 0.00 0.00
PBT/Net Sales(%) 6.89 8.86 8.58 6.38 5.33
Profit after tax 6.19 7.13 8.63 7.52 7.54
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2021-22 2022-23 2023-24 2024-25 2025-26
Particulars
( Aud ) ( Aud ) ( Est ) ( Proj ) ( Proj )
PBDIT/TA 0.27 0.20 0.17 0.18 0.18
Cash Accrual 2.80 3.44 3.83 3.46 3.27
Paid up Capital 19.78 33.43 28.23 27.98 28.15
TNW 19.78 33.43 28.23 27.98 28.15
Adj. TNW 19.78 33.43 28.23 27.98 28.15
TOL/TNW 0.45 0.42 1.19 1.18 1.16
TOL/ Adj. TNW 0.45 0.42 1.19 1.18 1.16
Current Ratio 1.71 1.57 1.15 1.18 1.22
DSCR 23.12 52.00 33.31 5.87 5.76
Details of Associate Concern/ Family Concerns and their Bankers: NPAs among associates (if any), NCLT
referred a/cs (if any)
Bank Party Party Type Facility Sanction Outstanding Remarks
Name Name Name Limit Balance
No data Found / Not Applicable
Comments on conduct of Account: (covering irregularities, noncompliance, LC devolvement, BG
invocations, credit summations, etc.):
Details of BG (PG / MG)
Guarantee Date of Amount in Beneficiary Expiry Date of Date of
No issue lakhs name Date Invocations adjustments
Total :
Details of LC
LC Date of Amount in Beneficiary Due Date of Date of
No issue lakhs Name Date Devolvement adjustments
Total :
Covering
Sl No irregularities and Non Compliances
Irregularities Branch Comments Compliance
1
2
3
4
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5
Credit summations
Particulars Last financial Year Current financial Year upto previous month
Credit Summations
Debit Summations
Highest Balance
Lowest Balance
Average Utilisation
Comments
Comments on the Project status for Outstanding guarantees
undefined
Annual Review of Term Loans
Irregula
Outstan
Sl. No Account No Limit DP/DL rity, if Remarks
dings
any
Not Applicable
Annexure-I
Assessment Of Working Capital:
Assessment Name : Upto 5 cr - Projected TO Method
Facility Name & Limit : GENERAL MSME & Rs.20.00 lakhs
2021-22 2022-23 2023-24 2024-25 2025-26
Particulars
( Aud ) ( Aud ) ( Est ) ( Proj ) ( Proj )
[Link] Turn over Method(Nayak Committee
method)
[Link] Sales for the current year 89.81 80.51 100.64 117.86 141.44
[Link] Capital requirement (in Percentage) 25.00 25.00 25.00 25.00 25.00
[Link] Capital required (a * b) (in Amount) 22.45 20.13 25.16 29.47 35.36
d. Minimum margin from borrower in %( incl.
5.00 5.00 5.00 5.00 5.00
proportionate margin)
e. Minimum margin from borrower (a * d) 4.49 4.03 5.03 5.89 7.07
f. Eligible bank Finance (c * 0.8) 17.96 16.10 20.13 23.58 28.29
g. Actual NWC available 4.56 7.48 5.03 6.04 7.18
h. Margin stipulated (Higher of e or g, whichever is
4.56 7.48 5.03 6.04 7.18
higher)
i. Limit Permissible (c-h) 17.89 12.65 20.13 23.43 28.18
If the proposal is Micro or Small and Limit
17.96 16.10 20.13 23.58 28.29
requirement is upto Rs.5.00 Crores, I = f
Brief Comments:
ASSESSMENT OF NON-FUND BASED LIMITS
No Data Found
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Annexure-II
Guarantee Details
Name of the CIC
S.N Networth as Compiled on Dt of Credit
Guarantor/Proprietor/P NW Consumer
o on Date Report
artner/Director Score
PRADIP KUMAR
1 31/03/2023 67.94 03/02/2023 03/02/2024
BARDIA
BIJAY KUMAR
2 31/03/2023 136.20 03/02/2023 03/02/2024
BARDIA
Details of CIBIL other liabilities of each of the Guarantor/Proprietor/ Partner / Director
With our bank:
Account No Facility Type of Facility Limit Of Balance
No data Found / Not Applicable
With other bank:
Account No / Type of
Facility Limit Of Balance
Bank Name Facility
No data Found / Not Applicable
Details of insurance (Reasons, if waived)
[Link] Security Type Value Valid up to
Collateral
[Link] Security Type Value Valid up to
1 CGTMSE GURANTEE 30.00
2 CGTMSE Guarantee to be obtained
Total 30.00
Pricing:
Pricing/Interest
Existing Rate Card Rate Proposed Rate
MCL
Facility R/ Effecti Effectiv
Spread Spread Spread Concessio
Repo ve e Effective Rate
n
Rate Rate
Cash Credit
GENERAL
0.00 0.00 0.00 0.25 9.60 0.00 0.00 0.00
MSME
Term Loan
LC & BG
Comments:
Value of account (During financial year):
Advances Previous Year (Period) Current Year
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(Period)
Not Applicable/No Data Found
c) Non-Compliances, if any(Only non compliances/ irregularities, if any to be included along with a brief
justification):
Parameters Indicative Levels Unit Level Justifications
[Link] -
[Link]/ Adj. TNW -
[Link]/TNW -
[Link]' contribution Yes / No -
Avg.
[Link] gross DSCR -
Min.
Avg.
[Link] Net DSCR -
Min.
[Link]/Equity -
[Link] Policy Guidelines / Take-over norms / Scheme-specific deviations
Non-compliance
[Link] Nature of non-compliance Comments
with regard to
Critical Risk Factors and their Mitigation ( If Applicable)
Critical Risks Perceived Mitigating Factors
CRA Related
Group Related
Sustainability Concerns
Audit Reports
Risk
Compliance
Foreign Currency Exposure(FCE) of the company (if applicable)
The name of promoters/Directors/Company/Group concerns is not
appearing in the RBI Defaulters list/CICs/Internal System Probing
Salient Features and Justification for the Proposal:
M/s Hindustan Enterprise is a partnership firm incorporated on 01.04.2006
Mr Pradip Kumar Bradia and Mr Bijay Kumar Bardia are the partners of the said firm
The Firm is dealing with manufacturing unit of Plastic Items since long and having good financial status
and satisfactory turnover
Recommended for sanction / approval / confirmation:
a) Sanction For : 1 ) Fresh GENERAL MSME -Rs 20.00 lakhs
b) Approval For :
c) Confirmation of :
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Appraised and Recommended Assessed and Recommended
Details Sanctioned By
By By
Signature
Name PRAVEENKUMAR PRAVEENKUMAR MANOJKESHRI
[Link] 127911 127911 83541
Designatio SENIOR MANAGER SCALE SENIOR MANAGER SCALE
SENIOR MANAGER SCALE III
n III III
Mobile No.
Recommendations Remarks
PRAVEEN KUMAR
M/s Hindusthan Enterprise was originally incorporated under Partneship act 1932
Registered address of the firm is 30D Dabgram Industrial Estate, Satelite Township Fulbari, Jalpaiguri,
West Bengal -734015
The Firm comply the statutory liabilities & registered under GST & Trade license Act & also classified as
MSME unit having UDYAM Registration No. UDYAM-WB-09-0001199
Sri Bijay Kumar Bardia and Sri Pradip Kumar Bardia are the partners of the said firm
The firm is carrying on business of manufacturing and trading of Plastic pipes and allied products.
Partners have vast experience in this field for over 40 years and gathered sufficient knowledge in this
field The experience of the the firm is satisfactory and conduct of the is satisfactory
The Partners enjoy high reputation and goodwill in the market.
Last ABS 2022-23 was audited by Manish Saraogi & Associates, FRN : 0324615E, Manish Saraogi,
Membership No. 060783
The firm has applied for working capita Cash Credit (H) limit of ₹ 20.00 Lakhs for the enhancement of
business.
Hence on the basis of financials, Estimated , Projected turnover a, Market report and as per our central
office guidelines we are recommending for approval of Cash Credit (H) limit of Rs 20.00 lakhs under
CGTMSE Guarantee.
Terms & Conditions
1. You must submit the originals of the documents as mentioned in the LSR before execution of
security documents for creation of Equitable Mortgage by us.
2. The loan amount should be utilized for the purpose for which it is sanctioned.
3. Equitable mortgage is to be registered with the concerned sub-registrar office at your cost and broken
period EC reflecting our bank charge is to be obtained.
4. Your overdraft account is to be reviewed /renewed annually as per existing practice and laid
down procedures
5. You have to give ECS mandate to us at ECS centre for debit of EMI s from your account maintained
with other bank which is to be registered with the concerned Bank/Branch
6. In case of any default in payment of interest/installment, penal interest is to be charged @ 2 %
over sanctioned interest rate for the overdue amount and overdue period.
7. As the rate of interest stipulated is of floating in nature, the rate of interest @RBLR REPO ROI will be
automatically changed as per rates announced from time to time whether change is in Repo Rate or spread
or both.
8. As the rate of interest stipulated is of floating in nature, the rate of interest @RBLR REPO ROI will be
automatically changed as per rates announced from time to time whether change is in Repo Rate or spread
or
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both. Such changes will be notified in Banks website and notice board of the branch.
9. In non ECS centres , minimum 10 post dated cheques, signed by the borrower for repaying monthly
installments to be obtained along with letter of deposit of advance cheques. An undertaking from the borrower
is also to be obtained to replenish PDCs at appropriate interval. This will form a part of concession to the
borrower and not as a condition, hence it is to be used judiciously.
10. All due diligence in respect of documentation, creation of mortgage, disbursement, post disbursement
inspection, follow up, etc are to be observed and reports should be kept on record.
11. Property(except the vacant plot) mortgaged to us should be adequately insured with usual bank clause for
full value against fire, riot wherever required and also against other appropriate hazards such as earth quake
,flood, lighting etc. the insurance cover is to be kept in force during the currency of the loan the borrower is to
be persuaded for insurance under bank's corporate agency (BANCASSURANCE)
12. You have to carry out post disbursement inspection and the report is to be kept in record.
13. As the security (mortgaged property) consists of vacant land, periodical (yearly) inspection to be conducted
subsequent to availment of loan to ascertain the status of the security. Inspection charge will be borne by
Borrower
14. The Branch Manager should satisfy himself/herself about the genuineness and fair value of the property to
be mortgaged.
15. KYC norms are to be strictly followed.
16. Over & above, you have to comply with usual Terms & Conditions as circulated by Central Office
from time to time.
Name of the Unit/Borrower: HINDUSTHANENTERPRISE
Facility Limit
1
GENERAL MSME 20.00
2 Security Details
Realiza Bank
Date of Basis of
Facility Details Of Security ble Assessed
valuation valuation
Value Value
Collateral
D
at Date
e of
of Title
Owned Realizable
Details Of Security Type of Charge V Sear
By Value
al ch
ua Rep
tio ort
n
HINDU
STHAN
CGTMSE GURANTEE 30.00
ENTER
PRISE
CGTMSE Guarantee HINDU 20.00
STHAN
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ENTER
PRISE
Total 50.00
Less:Existing Charges/Extension (If Any) 0.00
Available Amount of Security for the Loan 50.00
Guarantee Details
Complie
Sl. No. Name Net Means As on d on
Date
03/02/20
1 PRADIP KUMAR BARDIA 67.94 31/03/2023
24
03/02/20
2 BIJAY KUMAR BARDIA 136.20 31/03/2023
24
Pricing/Interest
Existing
Card Rate Proposed Rate
Rate
MCLR /
Facility Effect Effecti
Repo Sprea Sprea Sprea Concessi
ive ve Effective Rate
d d d on
3 Rate Rate
Cash Credit
GENERAL
0.00 0 0.00 0.25 9.60 0.00 0.00 0.00
MSME
Term Loan
LC & BG
Margin For WC (%) GENERAL MSME - 25.00%
Stocks
Receivables
Cover Period
Margin for Term Loan
4 Financial / Money Guarantee
Performance Guarantee
Advance Payment Guarantee
LC & BG
9.35 (RBLR) + 0.25 (Spread) = GENERAL MSME - 9.6
Rate Of Interest
% P.A.
5 Repayment
GENERAL MSME 12 Months
Term Loan Term Repayment RepayMent
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Loan Freuency Period
No data Found / Not Applicable
i)Validity of Sanction (in months) 3 Months
6
ii)Review/Renewal (in months) 12 Months
The Bank will have the right to examine at all the
times the books of account, premises, business unit
and the assets charged to the Bank and the
periodical inspection will be carried out by the
Bank’s officials and or outside agency appointed by
7 Inspection the Bank, the cost of Inspection shall be borne by
the borrower Firm.
Inspection charge-@0.10% ; Min ₹2000/-
The above charges shall be levied quarterly on prorata
basis throgh system
8 Stock Statement To be submited at first weak of every month
Security Security Insurance Insurance
Type Sub Type Amount Due Date
Primary
No data Found / Not Applicable
9 Insurance Collateral
Stock Stock in
30.00
Statement Trade
CGTSI to be
Guarantee
Guarantee obtained
N/A
CGTMSE guarantee fee & Annual service
&
10 fee N/A
Demand Advice No (DAN) N/A
11 Processing Fee GENERAL MSME--0.05
12 Upfront Fee Not Applicable
13 Mortgage Charges Not applicable
14 Commitment Charges Not Applicable
15 Penal Interest Review/Renewal proposal should be submitted one
month before expiry of one year period from the
date of sanction. In case of delayed submission,
Bank reserves the right to impose penal interest.
Limits will be valid for 12 months form the date of
sanction. Company must submit the relevant
papers like Audited Balance Sheet, CMA Data,
Assessment order etc. for review/renewal of the
limits well within time. Non submission of the
same on time will attract penal interest.
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In case of any default in payment of interest, penal
interest is to be charged @ 2 % over sanctioned
interest rate for the overdue amount and overdue
period.
Monthly Stock statement is to be submitted within
10th day of the following month, failing which penal
interest as per CO guidelines to be recovered from the
account for the period of default.
16 Documents
17 Other Stipulations, If Any
Mandatory covenants(Pre Disbursement)
Mandatory covenants(Post Disbursement)
18 Covenants of Sanction
Mandatory Negative covenants(Pre Disbursement)
Mandatory Negative covenants(Post Disbursement)
11/
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