sbi (autosaved)

Circular No SMEMASTERCIR-342009-10 7 th September 2009

All the BranchesLHOs

Dear SirMadam

MASTER CIRCULARSME BUSINESS UNITLOAN PRODUCT SME SMART SCORE

We have been issuing Circulars Instructions containing operating instructions on the productSME Smart Score from time to time To enable the operating functionaries to have currentinstructions at one place a Master Circular incorporating all the existing CircularsInstructions has been prepared and is appended We advise that this Master Circularconsolidates all the previous instructions issued up to 31032009 vide the circulars listed inthe Annexure-V

Yours faithfully

Sd-

Chief General Manager (SME)

MASTER CIRCULAR SME SMART SCORE

STATE BANK OF INDIA SME BUSINESS UNIT CORPORATE CENTRE MUMBAI

INDEX

SME SMART SCOREIntroduction

Loan approval to SMEs based on credit scores is widely prevalent in developed countriesThe product ldquoSME Smart Scorerdquo has been developed for approving loans from Rs 500 lacsto Rs 5000 lacs under SME segment The product is well designed and is able to generateconfidence amongst the operating staff and encourage them to sanction fresh advancesmore confidently since it provides a well defined frame for evaluating the proposals

This product is designed to avoid delays in credit delivery due to cumbersome assessmentprocesses A simple Scoring Model (Annexure-III) has been designed for which all the datarequired has to be furnished at one go by way of an Application Form (Annexure-I) whichhas also been specially designed for this product

The product takes into account all the critical inputs from Circles and Learning Centres

Silent Features of the Loan Product ldquoSME Smart Scorerdquo

10486331048633This product can be given to units in CampI SSI and SBF segments for creditrequirements between Rs5 lacs to Rs50 lacs (Rs25 lacs for TampS) based on theprojected turnover and or project cost

10486331048633Assessment of Loan The loan quantum should be a minimum of 20 of turnoverandor 67 of project cost subject to minimum of Rs 5 Lac (Annexure-II)

10486331048633Working Capital loans can be sanctioned for two years subject to annual reviewspecifying the limit requirement for each year Documents are to be obtained for higherof the two limits The limits assessed and sanctioned for the second year should bereleased after a satisfactory review of achievement of the projected level of operationsfor the first year

10486331048633Loan renewal Working Capital loans can be renewed if credit score is 35 and aboveout of 60 under business score (Annexure-IV)

10486331048633The product is based on a set of most desirable characteristics and a set of leasttolerable characteristics of a borrower These sets have been drawn on the basis ofextensive discussions with operational functionaries in circles and faculty at staffcolleges The characteristics are grouped as Personal Business (Existing ampGreenfield) Collateral and Renewal (WC) The Scoring Model for each of these ismentioned in the Annexure I attached

Process at the level of the appraiser

i) Fill out the score sheet and calculate the score for personal business andcollateral parameters

ii) Find out the eligibility of the applicant based on total cut-off and segment wisecut-off (there is minimum score to be reached in personal and business segment)

iii) If eligible verify the responses from the supporting documents for correctness

iv) Assess the limits required repayment programme for the term loan and put up asimple note to the sanctioning authority for sanction

v) If ineligible put up a note for rejection or do further detailed appraisal andassessment if considered necessary on peculiar considerations

vi) For renewal follow the same path as in

(iv) for renewal

Target Group Individually managed proprietarypartnership firm or closely held publicprivatelimited companies in the Small and medium industrial and trading sectorunder CampI and SIB segments

Eligibility The chief promoter chief executive should be 18 to 65 years of ageThe applicant must obtain a minimum overall score of 60 with a minimum of50 under each sub-head like Personal details Business details andcollateral details (except in cases where collateral should be asked as perBankrsquos norms where the minimum marks will be nil)

Purpose Working Capital needs amp Acquisition of fixed assets

Type offacilities

Cash Credit Term Loan

Quantum ofFinance

MANUFACTURING UNITS Rs5 lacs to up to Rs50 lacs(20 of annual turnover for WC loan and 67 of project cost for TL)TRADE amp SERVICES Rs5lacs to Rs25lacs(15 of annual turnover for WC and 67 of project cost for TL)For FB and NFB single exposure limits may be sanctioned to the unitsNFB facilities can be sanctioned on the best judgement basis within thediscretionary powers delegated to sanctioning authority

Margin 25 for working capital component and 33 for TL component

Rate of Interest(with effectfrom 290609)

Size of Credit Limit

Repayable ondemand or up to 3years (pa)

Repayable in 3 years andabove ( pa)

Above Rs 5 Lacs butbelow Rs 25 Lacs

SBAR 075 above SBAR

Rs 25 Lacs and abovebut up to Rs 50 Lacs

050 above SBAR

125 above SBAR

Security- Primary- Collateral

Hypothecation of stocks and assets financed by BankAs per Banks extant norms for WC and TLs

Processing fees As applicable to SSI SBF CampI units as per CPPD circulars

Repayment WC loan to be renewed every two years with annual review of performanceTL not more than 5 years excluding moratorium not exceeding 6 months

Documentation As per simplified SME documentation

Special features A simplified appraisal model (enclosed) has been developed to standardisethe appraisal process A special application form has been designed tocapture all the required information at one instance

Override Units that are not able to score 60 or more marks in the scoring model will notqualify for consideration under SME Smart Score Scheme However such loans notapproved under SME Smart Score Scheme can still be considered by the Branches underthe normal credit dispensation based on specific considerations

LOAN APPLICATION FORMANNEXURE-IPlease fill up this form only if the answers to all the following questions are ldquoYESrdquo

Whether the chief promoter Chief executive is between 18 and 65 years of ageWhether the promoters are not defaulters to the banks financial institutionsWhether all the clearances including but not limited to environmental clearance for theproject has been obtained satisfactory evidence of their being made available will beprovidedWhether the promoters being to the area of operation of the branch and have satisfactoryreferences

General Name of the Company Firm

Address (off) (If factory and office are having different Addresses Give the AddressNearest to the branch First)PlotBuildingPlat Name and Number

Street NameCityTelephone NoMobileFax

Address(factory)PlotBuildingPlat Name and Number

Street NameCity

Telephone noMobileFax

Loan applied for

Purpose of the Loan

When and how the loan will berepaid

SME BU Master Circular as on 31032009Page 7 of 7

repaid

PERSONAL DETAILS OF THE CHIEF PROMOTER CHIEF EXECUTIVEName of the Chief Promoter ChiefExecutiveResidential Address

PlotBuildingPlat Name and Number

Street Name

City

Telephone No

Mobile

Fax

What is your date of Birth

Let us know about your family

Are you married

What is your spousersquos occupation

How many children do you have

Your house Owned Rented

What is your academic qualification Is it related to your line of trade

Are you assessed the Income-Tax Yes NO if yes PAN NODo you have a life insurance policy

Do you have a life insurance policy

I certify that all incorporation furnished by me us is true correct and complete I have noborrowing arrangement for the company firm with any bank except so indicated in theapplication form There are no over dues statuary dues by me or the firm company Nolegal action has been taken against me firm company I shall furnish all other informationthat may be required by Bank in connection with my application The Information may alsobe exchanged by you with any agency you may deem fit you your representative of anyother agencies as authorized by you may at any time inspect verify my our assets booksof account etc In our factory business premise as give above You may take appropriatesafeguards action for recovery of bankrsquos dues including publication of distributors name inwebsite submission to RBI I further agree that my loan shall be governed by the rules ofState Bank of India is may be in force from time to time

Place

Date Signature of Chief Promoter Chief ExecutiveSME BU Master Circular as on 31032009Page 8 of 8

BUSINESS DETAILSYear of commencement of business

State the profit loss for the last 3 financial years

Year I Year II Year III

State the sales turnover for the last 3 financial yearsYEAR I YEAR II YEAR III

Tell about your factorypremises

Owned Rented Leased for over 5 years

Tell us about your product

How do you plan to produce it

Does the product require special know how If so are you in possession of the know

Whether your line of activity falls under priority sector

What are raw materials required

How do you plan to produces them Are they available on credit If so what are theterms of credit

How do you plan to ensure the quality of your product Any special steps beingtaken

What about the utilities like water power etc Please describe the requirements andhow are they met

Whether you need skilled labour Please describe your plants for skilled labour

Any special reason to locate your business at the present location Is there anyadvantage in procuring the raw materials locally Is the local market big enough tosubscribe the finished product of your firm Any other advantage

Manufacturing process in brief

What the level of competition for the product How do you plan to meet thecompetition

Give the total outside liabilities for the last 3 years and your tangible networkPARAMETER Year I Year II Year IIITotal outside liabilities

Tangible net worth(including loans fromfriends and relatives)TOL TNW

hat is the quality of your receivables How many monthsrsquo sales do they represent Canyou give an ageing of your receivables

age amount Percentage to totalLess than one month old1 to 2 months old2 to 3 months oldMore than 3 months oldPercentage

What is the quality of your finished goods inventory Are they sold against order as andwhen produced Are they kept in stock for long How many monthsrsquo sales do theyrepresent

What will be the time period between procurement of raw materials to realization of saleproceeds Can you cut short the cycle without increasing your liability

Give the details of cost and the means of finance for your project

Item Why do you need to purchase the item

What is the basis of your cost

Cost of item

How do you proposed to aquireprocure the item

Land Buildings Macinery

Other items

What are the means of finance

Means Amount FIVE DETAILS (BANK SHOULDBE SATISFIED ABOUT YOURABILITY TO PROVIDE THEMARGIN)

From own sources

Bank loan

Friends and relatives

Others

Total

Has the project been vetted by consultancy cell of the Bank or consultants of reputeGive details

What is the repayment period you are looking for the term loan What will be the annualcash accruals What will be your liability towards payment of installments and interest onterm loan in a year Whether the cash accruals will be sufficient to take care of therepayment liability

Anything else you would like to tell about your business

What is the collateral you would be able to offer GIVE DETAILS


ITEM VALUE BASIS

TOTALPlease tell us about your future plans

What is the level of sales you are projecting Briefly describe the basis

What is the level of receivables you are expecting in terms of monthrsquos sale

What is the level of furnished goods inventory you are expecting to maintain in terms ofmonthrsquos sale

I certify that all information furnished by me us is true correct and complete I have nobarrowing engagement for the company firm with any bank except as indicated in theapplication form There are no overdues statutory dues owed by me or the firmcompany Nolegal action has been taken against me us firm company I shall furnish all other informationthat may be required by Bank in connection with my application The Information may also beexchanged by you with any agency you may deem fit You your representatives of any otheragencies as authorized by you may at any time inspect verify my our assets books of accountetc in our factory business promises as give above You may take appropriate safeguardsactionfor recovery of bankrsquos dues including publication of defaultersrsquo name in web sitesubmission toRBI I further agree that my loan shall be governed by the rules of State bank of India as may bein force from time to time

Place For and on behalf of the company

Date Signature of Chief Promoter Chief Executive

LOAN APPRAISAL

ANNEXURE-II

ASST GENERAL MANAGER CHIEF MANAGER - FOR SANCTION

APPRAISAL MEMORANDUM UNDER SME SMART SCORE

Branch

SEGMENT CampI SSI SBF (MicroSmall Enterprises)

The proposal conforms to the extant instructions of the scheme The scores awarded undercredit scoring criteria are as under

SEGMENT MIN SCORE MARKS SCOREDPersonal Details 1530

Business Details (or)Greenfield ventures

2550

Collateral Conditions 1020

Total Score 50100

(To be eligible under the scheme the unit should get a minimum score of 60 with aminimum of 50 under each sub-head)1 PROPOSAL FORI Sanction ofabII Approval forcdIII Confirmation ofe2 Details of Credit limits Rsin lakhsFacility Existing Limits Facility Proposed LimitsCC(Hyp) CC(Hyp)

SME Credit Plus SME Credit Plus

TL TL

LCBG (As sub limitof CC(Hyp))


Total limits Total limits

3Name of the Borrower

4Name of Proprietor PartnersDirectors

5AddressFactoryOffice

SME BU Master Circular as on 310320094 of 14

6Constitution ProprietorshipPartnership Private LimitedCompany

7Line of activity8Year of Incorporation9Banking with SBI since10IRAC Status11Details of Associate ConcernsFamilyConcerns and their BankersAny NPArsquos among associates12Date of last sanction(not applicable for fresh exposures)

13 Position of the account as on (Rs in lakhs)Facility Limit MV AV DP OS Irregularity

if any

(Not applicable for new units)

14 Brief background amp History -( to be brief and in bullet points only)(Comments on management products tie-up arrangement if any qualityapprovalscertifications etc)

15Performance and financial indicators Rsin lakhs31 MARCH YRBEFORE

LASTAudited

LASTYEARAudited

CURRENTYEAREstimates

FOLLOWINGYEARProjections

Domestic Sales

Export Sales

Net Sales

Profit After Tax

PAT Net Sales ()Cash Accrual

Paid Up Capital

TNW

TOLTNW(times)Current Ratio


Comments on Financials ( Brief bullet points only)

16Term LoanProject Details Project Cost Rs

Bank Loan Recommended Rs(As per assessment in annexure-III)

Debt Equity Comments

19 Whether (a) the name(s) of the IndividualDirectors appear(s) in RBIrsquos list ofdefaultersRBIrsquos list of willful defaulters amp (b) the IndividualDirectors name figures inECGCrsquos caution listPARTICULARS LOCATION DATERBI Willful Defaulters list(Non-Suit Filed)Rs25lacs andAboveCIBIL List(Suit filed) Rs25 lacs and aboveECGC specific approval list

20 Comments on IampA and other audit reports which have an impact on credit risk on theunit if anyName of report Date of report Serious irregularities

Adverse featuresremaining unattended

Comments in last IampA report amp itspresent status

Companys audited Balance Sheet(Qualifications)

21 If the unit has scored less than 60 marks in any of the individual parameters in SMESmart Score please comment critically on those parameters (even though the aggregate scoremay be more than 60)

22 RecommendationsRecommended for sanction of Working Capital limit of Rs Term loan of Rs --------------------------- Total limit RsOn the terms and conditions as set out in Annexure-VI

SignatureName

Appraised amp Assessed by Sanctioned by

DesignationDate

EnclosureApplicantrsquos applicationamp othersStatement of Credit Score arrived as Annexure -I


TERMS AND CONDITIONS

Controlled bySignatureNameDesignationDate

ANNEXURE-II-A

1 Facility

Limit

2 Security

Primary WCTL

Collateral

Personal Guarantee(Indicate Net worth ofGuarantors with date ofcompilation of opinionreports)

3 Interest(Linked to SBAR)

CC(HYP)TL

4 Margin() StocksReceivablesCover PeriodBGLC (cash Margins)

Term loan

4 REPAYMENT CC(HYP)- Repayable on demandTL

5 Validity of SanctionReviewRenewal

Sanction valid for two years A review shall be made after 12months

6 Inspection Quarterly

7 Stock Statement To be submitted monthly

8 Insurance

9 Processing fee

10 EM Charges

11 Commitment Charges CC(HYP)-Term Loan-

12 Penal Interest

Documents As per SME Documentation

13 Other Stipulations ifany

ASSESSMENT OF LOAN

ANNEXUREII-B

Name of the Borrower

ASSESSMENT OF WORKING CAPITALI For SSI SBF and Retail traders Rsin lakhs1Projected Turnover Method (Nayak Committee Method)for SSI

EstimatedIst year

Projected2nd Year

a Estimated Sales for the Current yearb Working capital required (25 of lsquoarsquo)Eligible Bank Finance (80 of lsquobrsquo)Bank finance Required (A)

2Assessment as per Traditional MethodEstimated Purchases in the current YearEstimated Average Raw Material Holding at any time(Calculated at cost of Purchases)Estimated Average holding of Stock in process and Finishedgoods at any one time(calculated at cost of Production)Estimated Average Receivable outstanding at any one timeTotal RequirementLess estimated average credit enjoyed on purchasesLess estimated average credit enjoyed on purchasesLess Other Sources like unsecured loans plough back of profitsEtcBank Finance Required (B)

Working Capital AssessedrecommendedA or B above which ever is higher ie

IIFor Self Employed and Professionals

50 of Gross annual income as declared in their Income Tax return

IIIComments on Production aspects (covering location advantages availability of rawmaterial and other utilities like water power fuel labour etc

IVBrief Comments on Marketing Aspects

V i) Assessment of EPC limits Rsin lakhsSr No Particulars Estimated

Ist yearProjected2nd year

1 Estimated Exports

2 Exports - at cost

3 Lead time and usance period(includes order period manufacturing period etc)

4 No Of Cycles in a year

5 EPC requirement per cycle

6 Less- Margin on EPC ndash

7 Eligible Limit

8 EPC limit recommended

ii) Assessment of EBD limits

Sr No Particulars EstimatedIst year

Projected2nd year

1 Estimated Exports

2 Exports on Usance bill basis

3 Usance period

4 Lead Time

5 No of cycles in a year

6 Eligible EBD Facility

7 Limit requested by the unit

8 Limit recommended

iii) Brief Comments on the above limits


VI Assessment of Non fund based limits

i)Assessment of LC limits Rsin lakhs Annual Raw Material purchasesMonthly Raw Material purchasesMonthly Raw Material purchases through LCrsquos (A)Average Usance Period (B)Lead Time and transit period (C)Total of lsquoBrsquo and lsquoCrsquo (D)LC limits required (= A X D)Recommended LC Limits

Assessment of BG limits

Outstanding BGs as onAdd BGrsquos required during the next 12 months as under1Earnest Money deposit2Security Deposit3Advance Payment BG4Retention Money DepositMaintenance Guarantee5 Guarantees on account of sales tax commercial tax and excise duty paymentsLess Estimated maturitycancellation of BGrsquos during the period Requirements of BGrsquosRecommended BG limit

Brief comments on requirements of above limits

VII Assessment of Term Loan

1 Project Details Rsin lakhsProject cost Cost Margin

()Margin amount Required Bank Finance

Land ampBuildingsPlantamp MachineryWC marginContingenciesTotal project costMeans of financeOwn fundsBorrowings fromfriends and relativesBank financeOthersTotal means offinance

Debt Equity

3 Details of capital expenditure ie land and factory building as well as machineryproposed to purchase

4 Remarks on cost of project amp means of finance (in brief)

5 Term Loan Assessment Rsin lakhsYears 1

(Act)2(E)

3(E)

4(E)

5(E)

6(E)

Net ProfitDepreciationCash AccrualsRepayment obligations(including Interest)DSCRAverage DSCR

6 Project implementation schedule

7 Comments on Commercial viability


VIII) Term Loan assessment for Transport Operators (SRTO) Cost of Vehicles Rs Borrowerrsquos Margin ( ) Rs

Term loan recommended Rs

AssessmentEarnings

1 Total No of Kilometers to be run per day (estimated) No oftrips per day

2 Earnings per Km earning per trip3 No of working days in a month4 Total monthly earnings 1 x 2 x 3 hellipA

Expenses5 Cost of Fuel per litre6 Quantity of fuel required per month7 Cost of fuel per month8 Monthly Wages batta for driver cleaner etc9 Maintenance10 Repair11 Insurance (annual premium 12)12 MV Tax (annual tax 12)13 Interest on borrowings14 Sustenance15 Other expenses

Total Monthly Expenses (5 to 15)hellipB16 Monthly surplus hellip A - B17 Monthly TL repayment18 DSCR 1617

Brief details of above workings

CREDIT SCORING CRITERIAANNEXUREIII

Name of the Company Firm

Name of the chief promoter chief executive(in case of partnership concerns where the partners are having equal stake the personal

profile of the active promoter as decided by the concern could be taken)

1 Personal details SrNo Parameters Maximum

marksMarksScored

Criteria Marks

1 Age 5 18 to 2425 to 4950 to 5960 to 65

3510

2 No Of children 2 Upto 3gt 3

20

3 Owining a house 5 OwnNot owninghouse

50

4 Academic qualifications

4 ProfessionalGraduatePGMetricBelow Metric

4210

5 Experience in the line of trade

5 gt 5 years2 to 5 yearslt 2 years

530

6 Spouse details 1 EmployedHomemaker

10

7 Assessed for income tax

2 AssessedNot assessed

20

8 Deposit account with SBI(min deposit should be Rs10000- in the period underreview)

5 3 Yrs amp above6 M to lt 3 Yrslt 6 M

520

9 Have life insurance policy

1 Yes No

10

MARKS SCORED 30

Minimum score should be 15 marks

SME BU Master Circular as on 31032009

Page 26 of 26

2 Business Score 2(i) For existing units which have not so far availed any loan from the Bank If takeover from another Bank takeover norms prescribed by the bank are to be first evaluated and fulfilled

SrNo

Parameters Maximummarks

MarksScored

Criteria Marks

1 Years in business 5 5 Years amp over3Years to lt 51 year to lt 3

531

2 Continuous net profits (beforetax)

5 Last 3 yearsLast 2 yearsLast year

531

3 Sales show a rising trend

5 Last 3 yearsLast 2 years

53

4 Factory premises 3 Owned or over 5years of leaseRented

30

5 Know-how 2 SpecialisedCommon

20

6 Line of activity 1 Priority SectorNon priority

10

7 Competition 4 LowMediumHigh

420

8 TOLTNW (quasi equity to beadded to TNW and reduced fromTOL)

5 2 amp Belowgt 2 but upto 3gt 3 but upto 4gt 4 but lt 5

5421

9a Quality of receivables

5 Upto 3 months ofsalesgt 3 but upto 4months of salesgt 4 months of sales

5

1

0

9b Quality of finished goodsinventory

5 Upto 1 month ofsalesgt 1 but upto 2months of salesgt 2 months of sales

5

1

0

10 Repayment period (not applicablefor only working capital loans)

5 Upto 3 yearsgt 3 to 5 yearsgt 5 years

530

11 Gross DSCR (not applicable foronly working capital loans

5 gt 215 To 2lt 15

520

MARKS SCORED

50

Items 10 amp 11 are not applicable for working capital loans alone In that case thescore should be normalized for 50 (marks scored40)50

Minimum score should be 25

2(ii) For Greenfield ventures SrNo


MarksScored

Criteria Marks

1 Branch is in the know of business(includes cases where the projectis appraised by consultants ofrepute)

10 YesNo

100

2 Manufacturingservicingtradingprocess is well known to applicantto produceservicetrade therequired quality and quantity ofthe product

5 YesNo

50

3 Location advantage 2 YesNo

20

4 Availability of utilities includinglabour

2 EasyOk

20

5 Firmrsquos capacity to sell the productat the price and quantity

5 GoodOk

50

6 Line of activity 1 PrioritySectorNon priority

10

7 TOLTNW (quasi equity to beadded to TNW and reduced fromTOL) Competition

5 1 and belowgt 1 upto 2gt 2 upto 3gt 3

5430

8a Quality of receivables as perProjections

5 Upto 3months ofsalesgt 3 but upto

5

1

4months ofsalesgt 4 months ofSales

0

8b Quality of finished goodsinventory as per projections

5 Upto 1 monthof salesgt 1 but upto 2months ofsalesgt 2 months of

5

1

0


5 Upto 3 yearsgt 3 to 5 yearsgt 5 years sales

53

0


5 gt 215 to 2lt 15

520

MARKS SCORED 50 40

Minimum Marks 25 out of 50


3 Collateral conditions

SrNo


MarksScored

Criteria Marks

1 Equitable Mortgage of property Value of property (if TDR orcash equivalent is offered assecurity multiply cash equivalentby 2 and add to the collateralvalue) loan amount ()

15 75 and over50 to lt7525 to lt50lt25NIL

1510530

2 Residential property as part of 1

5 YesNo

50

MARKS SCORED 20

Minimum Marks are 10 (except in cases where Collateral should not be asked as per Bankrsquosnorms where the minimum marks will be NIL)

Appraised by Approved by

NameDate


RENEWAL PROPOSALSANNEXURE-IVFORMAT FOR ANNUAL REVIEW RENEWAL OF LOANSSANCTIONED UNDER SME SMART SCORE

PROPOSAL FOR REVIEW OF WC AND TERM LOAN SANCTIONED UNDER lsquoSMESMART SCORE SCHEME1Name of the unit ProprietorshipPartnershipPrivate limited

Company2 Constitution3Name of theProprietorpartnersdirectors4 Business AddressPhoneCell No5Nature of activity6 a)Date of LastSanctionreviewb) Sanction is Valid up to7 IRAC Position as on8Present Position ofAccounts as on date(Rs In lakhs)

Facility Limit DP OS IrregulCCTLLCBG

Comments on Conduct of above accounts


9Financial parameters(Rs In lakhs) Year Earlier

Estimated(previousyear)

Actualachieved(previousyear)

Estimated(Currentyear)

Net salesPBTCashAccrualTNWTOLTNWC R

Comments( to be commented on actuals for deviations overestimates if any)

9 Conduct of WC ac(Rs In lakhs)

Annual Turn over estimated RsAnnual Credit Summations in the account RsValue of the account Rs(InterestExchangecommission Booked)Cross selling Products Booked (Give the name of the products booked)Retail Business BookedNumber of retail loans and amount booked for thepromotersemployees

10 Whether earlier sanctionterms complied with11 Whether irregularitiesobserved in IampA reportrectifiedIf not present status12Other Comments( from Risk Angle)(On associates conduct ofaccounts Competitionquality of products CIBILreport for individuals orcorporate as applicable etcand other relevant risksBullet points only)


14 RecommendationsThe Conduct of WC loan and Term loan has been reviewed and found satisfactory TheCredit Score for renewal of limits is as per annexure ndashI is satisfactory

1Recommended for continuation of Working Capital limit of Rs

2 Recommended for release of additional working capital limit of Rs as per the originalsanction on (give date) for the projected year-----

On the above terms and conditions as already set out in the original sanction datedmdash

SignatureNameDesignationDate



Credit Scoring Model for Renewal proposals

SrNo


MarksScored

Criteria Marks

1 Actual salesprojectedsales

10 90 amp above70 to lt 9050 to lt 70Below 50

10852

2 PBTNS () 10 IncreasingFlatDecreasing

1051

3 Change in TOLTNWduring the year

5 Decreasing and upto 3Decreasing but above 3Increasing but upto 3Increasing but above 3

5330

4 Overall conduct of theaccount and working ofthe unit

15 ExcellentGoodOK

15100

5 Credit summations in theaccount during thepreceding 12 months

10 90 amp above70 ndash 8950 ndash 69lt 50 ( of sales)

1075NIL

Marks scored 50

Minimum Marks should be 3050Veto Power if the account is unsatisfactorily conductedi) cheques are frequently returnedii) debit balance (outstanding) is over the drawing power for over 160 days in theyeariii) non-compliance of critical terms and conditions(frequent devolvement of LCs and invocation of guaranteesnon receipt of stockstatements etc have not been mentioned as they would be reflected in ii)


Name

CIRCULAR REFERENCES ANNEXURE-V

PDM264 dated February 13 2002

PDMCircular no 1 of 2003-04 dated April 3 2003

SMESVCir-15 2005-06 dated December 21 2005

SMESVCir-23 2005-06 dated March 25 2006

Sme knp 714 dated December 7 2007

Sme knp 1116 March 28 2008


MASTER CIRCULAR SME SMART SCORE

STATE BANK OF INDIA SME BUSINESS UNIT CORPORATE CENTRE MUMBAI

INDEX


















(iv) for renewal




Type offacilities


Quantum ofFinance








SBAR 075 above SBAR


050 above SBAR

125 above SBAR














Street NameCity


Loan applied for

Purpose of the Loan



repaid



Street Name

City

Telephone No

Mobile

Fax



Are you married








Place





























Cost of item



Other items



From own sources

Bank loan


Others

Total






ITEM VALUE BASIS








LOAN APPRAISAL

ANNEXURE-II



Branch





2550


Total Score 50100



TL TL











if any




LASTAudited

LASTYEARAudited



Domestic Sales

Export Sales

Net Sales

Profit After Tax


Paid Up Capital

TNW














SignatureName


DesignationDate





ANNEXURE-II-A

1 Facility

Limit

2 Security

Primary WCTL

Collateral



CC(HYP)TL


Term loan






8 Insurance

9 Processing fee

10 EM Charges


12 Penal Interest



ASSESSMENT OF LOAN

ANNEXUREII-B



EstimatedIst year

Projected2nd Year










1 Estimated Exports

2 Exports - at cost





7 Eligible Limit




Projected2nd year

1 Estimated Exports


3 Usance period

4 Lead Time




8 Limit recommended












Debt Equity




(Act)2(E)

3(E)

4(E)

5(E)

6(E)







AssessmentEarnings











marksMarksScored

Criteria Marks

1 Age 5 18 to 2425 to 4950 to 5960 to 65

3510


20


50



4210



530


10



20



520


1 Yes No

10

MARKS SCORED 30



Page 26 of 26


SrNo


MarksScored

Criteria Marks


531



531



53


30


20


10


420



5421



5

1

0



5

1

0



530


5 gt 215 To 2lt 15

520

MARKS SCORED

50





MarksScored

Criteria Marks


10 YesNo

100


5 YesNo

50


20


2 EasyOk

20


5 GoodOk

50


10



5430



5

1


0



5

1

0



53

0


5 gt 215 to 2lt 15

520

MARKS SCORED 50 40




SrNo


MarksScored

Criteria Marks



1510530


5 YesNo

50

MARKS SCORED 20



NameDate


























SrNo


MarksScored

Criteria Marks



10852


1051



5330


15 ExcellentGoodOK

15100



1075NIL

Marks scored 50



Name


























(iv) for renewal




Type offacilities


Quantum ofFinance








SBAR 075 above SBAR


050 above SBAR

125 above SBAR














Street NameCity


Loan applied for

Purpose of the Loan



repaid



Street Name

City

Telephone No

Mobile

Fax



Are you married








Place





























Cost of item



Other items



From own sources

Bank loan


Others

Total






ITEM VALUE BASIS








LOAN APPRAISAL

ANNEXURE-II



Branch





2550


Total Score 50100



TL TL











if any




LASTAudited

LASTYEARAudited



Domestic Sales

Export Sales

Net Sales

Profit After Tax


Paid Up Capital

TNW














SignatureName


DesignationDate





ANNEXURE-II-A

1 Facility

Limit

2 Security

Primary WCTL

Collateral



CC(HYP)TL


Term loan






8 Insurance

9 Processing fee

10 EM Charges


12 Penal Interest



ASSESSMENT OF LOAN

ANNEXUREII-B



EstimatedIst year

Projected2nd Year










1 Estimated Exports

2 Exports - at cost





7 Eligible Limit




Projected2nd year

1 Estimated Exports


3 Usance period

4 Lead Time




8 Limit recommended












Debt Equity




(Act)2(E)

3(E)

4(E)

5(E)

6(E)







AssessmentEarnings











marksMarksScored

Criteria Marks

1 Age 5 18 to 2425 to 4950 to 5960 to 65

3510


20


50



4210



530


10



20



520


1 Yes No

10

MARKS SCORED 30



Page 26 of 26


SrNo


MarksScored

Criteria Marks


531



531



53


30


20


10


420



5421



5

1

0



5

1

0



530


5 gt 215 To 2lt 15

520

MARKS SCORED

50





MarksScored

Criteria Marks


10 YesNo

100


5 YesNo

50


20


2 EasyOk

20


5 GoodOk

50


10



5430



5

1


0



5

1

0



53

0


5 gt 215 to 2lt 15

520

MARKS SCORED 50 40




SrNo


MarksScored

Criteria Marks



1510530


5 YesNo

50

MARKS SCORED 20



NameDate


























SrNo


MarksScored

Criteria Marks



10852


1051



5330


15 ExcellentGoodOK

15100



1075NIL

Marks scored 50



Name












Type offacilities


Quantum ofFinance








SBAR 075 above SBAR


050 above SBAR

125 above SBAR














Street NameCity


Loan applied for

Purpose of the Loan



repaid



Street Name

City

Telephone No

Mobile

Fax



Are you married








Place





























Cost of item



Other items



From own sources

Bank loan


Others

Total






ITEM VALUE BASIS








LOAN APPRAISAL

ANNEXURE-II



Branch





2550


Total Score 50100



TL TL











if any




LASTAudited

LASTYEARAudited



Domestic Sales

Export Sales

Net Sales

Profit After Tax


Paid Up Capital

TNW














SignatureName


DesignationDate





ANNEXURE-II-A

1 Facility

Limit

2 Security

Primary WCTL

Collateral



CC(HYP)TL


Term loan






8 Insurance

9 Processing fee

10 EM Charges


12 Penal Interest



ASSESSMENT OF LOAN

ANNEXUREII-B



EstimatedIst year

Projected2nd Year










1 Estimated Exports

2 Exports - at cost





7 Eligible Limit




Projected2nd year

1 Estimated Exports


3 Usance period

4 Lead Time




8 Limit recommended












Debt Equity




(Act)2(E)

3(E)

4(E)

5(E)

6(E)







AssessmentEarnings











marksMarksScored

Criteria Marks

1 Age 5 18 to 2425 to 4950 to 5960 to 65

3510


20


50



4210



530


10



20



520


1 Yes No

10

MARKS SCORED 30



Page 26 of 26


SrNo


MarksScored

Criteria Marks


531



531



53


30


20


10


420



5421



5

1

0



5

1

0



530


5 gt 215 To 2lt 15

520

MARKS SCORED

50





MarksScored

Criteria Marks


10 YesNo

100


5 YesNo

50


20


2 EasyOk

20


5 GoodOk

50


10



5430



5

1


0



5

1

0



53

0


5 gt 215 to 2lt 15

520

MARKS SCORED 50 40




SrNo


MarksScored

Criteria Marks



1510530


5 YesNo

50

MARKS SCORED 20



NameDate


























SrNo


MarksScored

Criteria Marks



10852


1051



5330


15 ExcellentGoodOK

15100



1075NIL

Marks scored 50



Name



















Street NameCity


Loan applied for

Purpose of the Loan



repaid



Street Name

City

Telephone No

Mobile

Fax



Are you married








Place





























Cost of item



Other items



From own sources

Bank loan


Others

Total






ITEM VALUE BASIS








LOAN APPRAISAL

ANNEXURE-II



Branch





2550


Total Score 50100



TL TL











if any




LASTAudited

LASTYEARAudited



Domestic Sales

Export Sales

Net Sales

Profit After Tax


Paid Up Capital

TNW














SignatureName


DesignationDate





ANNEXURE-II-A

1 Facility

Limit

2 Security

Primary WCTL

Collateral



CC(HYP)TL


Term loan






8 Insurance

9 Processing fee

10 EM Charges


12 Penal Interest



ASSESSMENT OF LOAN

ANNEXUREII-B



EstimatedIst year

Projected2nd Year










1 Estimated Exports

2 Exports - at cost





7 Eligible Limit




Projected2nd year

1 Estimated Exports


3 Usance period

4 Lead Time




8 Limit recommended












Debt Equity




(Act)2(E)

3(E)

4(E)

5(E)

6(E)







AssessmentEarnings











marksMarksScored

Criteria Marks

1 Age 5 18 to 2425 to 4950 to 5960 to 65

3510


20


50



4210



530


10



20



520


1 Yes No

10

MARKS SCORED 30



Page 26 of 26


SrNo


MarksScored

Criteria Marks


531



531



53


30


20


10


420



5421



5

1

0



5

1

0



530


5 gt 215 To 2lt 15

520

MARKS SCORED

50





MarksScored

Criteria Marks


10 YesNo

100


5 YesNo

50


20


2 EasyOk

20


5 GoodOk

50


10



5430



5

1


0



5

1

0



53

0


5 gt 215 to 2lt 15

520

MARKS SCORED 50 40




SrNo


MarksScored

Criteria Marks



1510530


5 YesNo

50

MARKS SCORED 20



NameDate


























SrNo


MarksScored

Criteria Marks



10852


1051



5330


15 ExcellentGoodOK

15100



1075NIL

Marks scored 50



Name









repaid



Street Name

City

Telephone No

Mobile

Fax



Are you married








Place

Date Signature of Chief Promoter Chief ExecutiveSME BU Master Circular as on 31032009 of 8




























Cost of item



Other items



From own sources

Bank loan


Others

Total






ITEM VALUE BASIS








LOAN APPRAISAL

ANNEXURE-II



Branch





2550


Total Score 50100



TL TL











if any




LASTAudited

LASTYEARAudited



Domestic Sales

Export Sales

Net Sales

Profit After Tax


Paid Up Capital

TNW














SignatureName


DesignationDate





ANNEXURE-II-A

1 Facility

Limit

2 Security

Primary WCTL

Collateral



CC(HYP)TL


Term loan






8 Insurance

9 Processing fee

10 EM Charges


12 Penal Interest



ASSESSMENT OF LOAN

ANNEXUREII-B



EstimatedIst year

Projected2nd Year










1 Estimated Exports

2 Exports - at cost





7 Eligible Limit




Projected2nd year

1 Estimated Exports


3 Usance period

4 Lead Time




8 Limit recommended












Debt Equity




(Act)2(E)

3(E)

4(E)

5(E)

6(E)







AssessmentEarnings











marksMarksScored

Criteria Marks

1 Age 5 18 to 2425 to 4950 to 5960 to 65

3510


20


50



4210



530


10



20



520


1 Yes No

10

MARKS SCORED 30



Page 26 of 26


SrNo


MarksScored

Criteria Marks


531



531



53


30


20


10


420



5421



5

1

0



5

1

0



530


5 gt 215 To 2lt 15

520

MARKS SCORED

50





MarksScored

Criteria Marks


10 YesNo

100


5 YesNo

50


20


2 EasyOk

20


5 GoodOk

50


10



5430



5

1


0



5

1

0



53

0


5 gt 215 to 2lt 15

520

MARKS SCORED 50 40




SrNo


MarksScored

Criteria Marks



1510530


5 YesNo

50

MARKS SCORED 20



NameDate


























SrNo


MarksScored

Criteria Marks



10852


1051



5330


15 ExcellentGoodOK

15100



1075NIL

Marks scored 50



Name




































Cost of item



Other items



From own sources

Bank loan


Others

Total






ITEM VALUE BASIS








LOAN APPRAISAL

ANNEXURE-II



Branch





2550


Total Score 50100



TL TL











if any




LASTAudited

LASTYEARAudited



Domestic Sales

Export Sales

Net Sales

Profit After Tax


Paid Up Capital

TNW














SignatureName


DesignationDate





ANNEXURE-II-A

1 Facility

Limit

2 Security

Primary WCTL

Collateral



CC(HYP)TL


Term loan






8 Insurance

9 Processing fee

10 EM Charges


12 Penal Interest



ASSESSMENT OF LOAN

ANNEXUREII-B



EstimatedIst year

Projected2nd Year










1 Estimated Exports

2 Exports - at cost





7 Eligible Limit




Projected2nd year

1 Estimated Exports


3 Usance period

4 Lead Time




8 Limit recommended












Debt Equity




(Act)2(E)

3(E)

4(E)

5(E)

6(E)







AssessmentEarnings











marksMarksScored

Criteria Marks

1 Age 5 18 to 2425 to 4950 to 5960 to 65

3510


20


50



4210



530


10



20



520


1 Yes No

10

MARKS SCORED 30



Page 26 of 26


SrNo


MarksScored

Criteria Marks


531



531



53


30


20


10


420



5421



5

1

0



5

1

0



530


5 gt 215 To 2lt 15

520

MARKS SCORED

50





MarksScored

Criteria Marks


10 YesNo

100


5 YesNo

50


20


2 EasyOk

20


5 GoodOk

50


10



5430



5

1


0



5

1

0



53

0


5 gt 215 to 2lt 15

520

MARKS SCORED 50 40




SrNo


MarksScored

Criteria Marks



1510530


5 YesNo

50

MARKS SCORED 20



NameDate


























SrNo


MarksScored

Criteria Marks



10852


1051



5330


15 ExcellentGoodOK

15100



1075NIL

Marks scored 50



Name









Other items



From own sources

Bank loan


Others

Total






ITEM VALUE BASIS








LOAN APPRAISAL

ANNEXURE-II



Branch





2550


Total Score 50100



TL TL











if any




LASTAudited

LASTYEARAudited



Domestic Sales

Export Sales

Net Sales

Profit After Tax


Paid Up Capital

TNW














SignatureName


DesignationDate





ANNEXURE-II-A

1 Facility

Limit

2 Security

Primary WCTL

Collateral



CC(HYP)TL


Term loan






8 Insurance

9 Processing fee

10 EM Charges


12 Penal Interest



ASSESSMENT OF LOAN

ANNEXUREII-B



EstimatedIst year

Projected2nd Year










1 Estimated Exports

2 Exports - at cost





7 Eligible Limit




Projected2nd year

1 Estimated Exports


3 Usance period

4 Lead Time




8 Limit recommended












Debt Equity




(Act)2(E)

3(E)

4(E)

5(E)

6(E)







AssessmentEarnings











marksMarksScored

Criteria Marks

1 Age 5 18 to 2425 to 4950 to 5960 to 65

3510


20


50



4210



530


10



20



520


1 Yes No

10

MARKS SCORED 30



Page 26 of 26


SrNo


MarksScored

Criteria Marks


531



531



53


30


20


10


420



5421



5

1

0



5

1

0



530


5 gt 215 To 2lt 15

520

MARKS SCORED

50





MarksScored

Criteria Marks


10 YesNo

100


5 YesNo

50


20


2 EasyOk

20


5 GoodOk

50


10



5430



5

1


0



5

1

0



53

0


5 gt 215 to 2lt 15

520

MARKS SCORED 50 40




SrNo


MarksScored

Criteria Marks



1510530


5 YesNo

50

MARKS SCORED 20



NameDate


























SrNo


MarksScored

Criteria Marks



10852


1051



5330


15 ExcellentGoodOK

15100



1075NIL

Marks scored 50



Name














LOAN APPRAISAL

ANNEXURE-II



Branch





2550


Total Score 50100



TL TL











if any




LASTAudited

LASTYEARAudited



Domestic Sales

Export Sales

Net Sales

Profit After Tax


Paid Up Capital

TNW














SignatureName


DesignationDate





ANNEXURE-II-A

1 Facility

Limit

2 Security

Primary WCTL

Collateral



CC(HYP)TL


Term loan






8 Insurance

9 Processing fee

10 EM Charges


12 Penal Interest



ASSESSMENT OF LOAN

ANNEXUREII-B



EstimatedIst year

Projected2nd Year










1 Estimated Exports

2 Exports - at cost





7 Eligible Limit




Projected2nd year

1 Estimated Exports


3 Usance period

4 Lead Time




8 Limit recommended












Debt Equity




(Act)2(E)

3(E)

4(E)

5(E)

6(E)







AssessmentEarnings











marksMarksScored

Criteria Marks

1 Age 5 18 to 2425 to 4950 to 5960 to 65

3510


20


50



4210



530


10



20



520


1 Yes No

10

MARKS SCORED 30



Page 26 of 26


SrNo


MarksScored

Criteria Marks


531



531



53


30


20


10


420



5421



5

1

0



5

1

0



530


5 gt 215 To 2lt 15

520

MARKS SCORED

50





MarksScored

Criteria Marks


10 YesNo

100


5 YesNo

50


20


2 EasyOk

20


5 GoodOk

50


10



5430



5

1


0



5

1

0



53

0


5 gt 215 to 2lt 15

520

MARKS SCORED 50 40




SrNo


MarksScored

Criteria Marks



1510530


5 YesNo

50

MARKS SCORED 20



NameDate


























SrNo


MarksScored

Criteria Marks



10852


1051



5330


15 ExcellentGoodOK

15100



1075NIL

Marks scored 50



Name









ANNEXURE-II



Branch





2550


Total Score 50100



TL TL











if any




LASTAudited

LASTYEARAudited



Domestic Sales

Export Sales

Net Sales

Profit After Tax


Paid Up Capital

TNW














SignatureName


DesignationDate





ANNEXURE-II-A

1 Facility

Limit

2 Security

Primary WCTL

Collateral



CC(HYP)TL


Term loan






8 Insurance

9 Processing fee

10 EM Charges


12 Penal Interest



ASSESSMENT OF LOAN

ANNEXUREII-B



EstimatedIst year

Projected2nd Year










1 Estimated Exports

2 Exports - at cost





7 Eligible Limit




Projected2nd year

1 Estimated Exports


3 Usance period

4 Lead Time




8 Limit recommended












Debt Equity




(Act)2(E)

3(E)

4(E)

5(E)

6(E)







AssessmentEarnings











marksMarksScored

Criteria Marks

1 Age 5 18 to 2425 to 4950 to 5960 to 65

3510


20


50



4210



530


10



20



520


1 Yes No

10

MARKS SCORED 30



Page 26 of 26


SrNo


MarksScored

Criteria Marks


531



531



53


30


20


10


420



5421



5

1

0



5

1

0



530


5 gt 215 To 2lt 15

520

MARKS SCORED

50





MarksScored

Criteria Marks


10 YesNo

100


5 YesNo

50


20


2 EasyOk

20


5 GoodOk

50


10



5430



5

1


0



5

1

0



53

0


5 gt 215 to 2lt 15

520

MARKS SCORED 50 40




SrNo


MarksScored

Criteria Marks



1510530


5 YesNo

50

MARKS SCORED 20



NameDate


























SrNo


MarksScored

Criteria Marks



10852


1051



5330


15 ExcellentGoodOK

15100



1075NIL

Marks scored 50



Name












if any




LASTAudited

LASTYEARAudited



Domestic Sales

Export Sales

Net Sales

Profit After Tax


Paid Up Capital

TNW














SignatureName


DesignationDate





ANNEXURE-II-A

1 Facility

Limit

2 Security

Primary WCTL

Collateral



CC(HYP)TL


Term loan






8 Insurance

9 Processing fee

10 EM Charges


12 Penal Interest



ASSESSMENT OF LOAN

ANNEXUREII-B



EstimatedIst year

Projected2nd Year










1 Estimated Exports

2 Exports - at cost





7 Eligible Limit




Projected2nd year

1 Estimated Exports


3 Usance period

4 Lead Time




8 Limit recommended












Debt Equity




(Act)2(E)

3(E)

4(E)

5(E)

6(E)







AssessmentEarnings











marksMarksScored

Criteria Marks

1 Age 5 18 to 2425 to 4950 to 5960 to 65

3510


20


50



4210



530


10



20



520


1 Yes No

10

MARKS SCORED 30



Page 26 of 26


SrNo


MarksScored

Criteria Marks


531



531



53


30


20


10


420



5421



5

1

0



5

1

0



530


5 gt 215 To 2lt 15

520

MARKS SCORED

50





MarksScored

Criteria Marks


10 YesNo

100


5 YesNo

50


20


2 EasyOk

20


5 GoodOk

50


10



5430



5

1


0



5

1

0



53

0


5 gt 215 to 2lt 15

520

MARKS SCORED 50 40




SrNo


MarksScored

Criteria Marks



1510530


5 YesNo

50

MARKS SCORED 20



NameDate


























SrNo


MarksScored

Criteria Marks



10852


1051



5330


15 ExcellentGoodOK

15100



1075NIL

Marks scored 50



Name




















SignatureName


DesignationDate





ANNEXURE-II-A

1 Facility

Limit

2 Security

Primary WCTL

Collateral



CC(HYP)TL


Term loan






8 Insurance

9 Processing fee

10 EM Charges


12 Penal Interest



ASSESSMENT OF LOAN

ANNEXUREII-B



EstimatedIst year

Projected2nd Year










1 Estimated Exports

2 Exports - at cost





7 Eligible Limit




Projected2nd year

1 Estimated Exports


3 Usance period

4 Lead Time




8 Limit recommended












Debt Equity




(Act)2(E)

3(E)

4(E)

5(E)

6(E)







AssessmentEarnings











marksMarksScored

Criteria Marks

1 Age 5 18 to 2425 to 4950 to 5960 to 65

3510


20


50



4210



530


10



20



520


1 Yes No

10

MARKS SCORED 30



Page 26 of 26


SrNo


MarksScored

Criteria Marks


531



531



53


30


20


10


420



5421



5

1

0



5

1

0



530


5 gt 215 To 2lt 15

520

MARKS SCORED

50





MarksScored

Criteria Marks


10 YesNo

100


5 YesNo

50


20


2 EasyOk

20


5 GoodOk

50


10



5430



5

1


0



5

1

0



53

0


5 gt 215 to 2lt 15

520

MARKS SCORED 50 40




SrNo


MarksScored

Criteria Marks



1510530


5 YesNo

50

MARKS SCORED 20



NameDate


























SrNo


MarksScored

Criteria Marks



10852


1051



5330


15 ExcellentGoodOK

15100



1075NIL

Marks scored 50



Name









ANNEXURE-II-A

1 Facility

Limit

2 Security

Primary WCTL

Collateral



CC(HYP)TL


Term loan






8 Insurance

9 Processing fee

10 EM Charges


12 Penal Interest



ASSESSMENT OF LOAN

ANNEXUREII-B



EstimatedIst year

Projected2nd Year










1 Estimated Exports

2 Exports - at cost





7 Eligible Limit




Projected2nd year

1 Estimated Exports


3 Usance period

4 Lead Time




8 Limit recommended












Debt Equity




(Act)2(E)

3(E)

4(E)

5(E)

6(E)







AssessmentEarnings











marksMarksScored

Criteria Marks

1 Age 5 18 to 2425 to 4950 to 5960 to 65

3510


20


50



4210



530


10



20



520


1 Yes No

10

MARKS SCORED 30



Page 26 of 26


SrNo


MarksScored

Criteria Marks


531



531



53


30


20


10


420



5421



5

1

0



5

1

0



530


5 gt 215 To 2lt 15

520

MARKS SCORED

50





MarksScored

Criteria Marks


10 YesNo

100


5 YesNo

50


20


2 EasyOk

20


5 GoodOk

50


10



5430



5

1


0



5

1

0



53

0


5 gt 215 to 2lt 15

520

MARKS SCORED 50 40




SrNo


MarksScored

Criteria Marks



1510530


5 YesNo

50

MARKS SCORED 20



NameDate


























SrNo


MarksScored

Criteria Marks



10852


1051



5330


15 ExcellentGoodOK

15100



1075NIL

Marks scored 50



Name









ANNEXUREII-B



EstimatedIst year

Projected2nd Year










1 Estimated Exports

2 Exports - at cost





7 Eligible Limit




Projected2nd year

1 Estimated Exports


3 Usance period

4 Lead Time




8 Limit recommended












Debt Equity




(Act)2(E)

3(E)

4(E)

5(E)

6(E)







AssessmentEarnings











marksMarksScored

Criteria Marks

1 Age 5 18 to 2425 to 4950 to 5960 to 65

3510


20


50



4210



530


10



20



520


1 Yes No

10

MARKS SCORED 30



Page 26 of 26


SrNo


MarksScored

Criteria Marks


531



531



53


30


20


10


420



5421



5

1

0



5

1

0



530


5 gt 215 To 2lt 15

520

MARKS SCORED

50





MarksScored

Criteria Marks


10 YesNo

100


5 YesNo

50


20


2 EasyOk

20


5 GoodOk

50


10



5430



5

1


0



5

1

0



53

0


5 gt 215 to 2lt 15

520

MARKS SCORED 50 40




SrNo


MarksScored

Criteria Marks



1510530


5 YesNo

50

MARKS SCORED 20



NameDate


























SrNo


MarksScored

Criteria Marks



10852


1051



5330


15 ExcellentGoodOK

15100



1075NIL

Marks scored 50



Name














1 Estimated Exports

2 Exports - at cost





7 Eligible Limit




Projected2nd year

1 Estimated Exports


3 Usance period

4 Lead Time




8 Limit recommended












Debt Equity




(Act)2(E)

3(E)

4(E)

5(E)

6(E)







AssessmentEarnings











marksMarksScored

Criteria Marks

1 Age 5 18 to 2425 to 4950 to 5960 to 65

3510


20


50



4210



530


10



20



520


1 Yes No

10

MARKS SCORED 30



Page 26 of 26


SrNo


MarksScored

Criteria Marks


531



531



53


30


20


10


420



5421



5

1

0



5

1

0



530


5 gt 215 To 2lt 15

520

MARKS SCORED

50





MarksScored

Criteria Marks


10 YesNo

100


5 YesNo

50


20


2 EasyOk

20


5 GoodOk

50


10



5430



5

1


0



5

1

0



53

0


5 gt 215 to 2lt 15

520

MARKS SCORED 50 40




SrNo


MarksScored

Criteria Marks



1510530


5 YesNo

50

MARKS SCORED 20



NameDate


























SrNo


MarksScored

Criteria Marks



10852


1051



5330


15 ExcellentGoodOK

15100



1075NIL

Marks scored 50



Name


















Debt Equity




(Act)2(E)

3(E)

4(E)

5(E)

6(E)







AssessmentEarnings











marksMarksScored

Criteria Marks

1 Age 5 18 to 2425 to 4950 to 5960 to 65

3510


20


50



4210



530


10



20



520


1 Yes No

10

MARKS SCORED 30



Page 26 of 26


SrNo


MarksScored

Criteria Marks


531



531



53


30


20


10


420



5421



5

1

0



5

1

0



530


5 gt 215 To 2lt 15

520

MARKS SCORED

50





MarksScored

Criteria Marks


10 YesNo

100


5 YesNo

50


20


2 EasyOk

20


5 GoodOk

50


10



5430



5

1


0



5

1

0



53

0


5 gt 215 to 2lt 15

520

MARKS SCORED 50 40




SrNo


MarksScored

Criteria Marks



1510530


5 YesNo

50

MARKS SCORED 20



NameDate


























SrNo


MarksScored

Criteria Marks



10852


1051



5330


15 ExcellentGoodOK

15100



1075NIL

Marks scored 50



Name











AssessmentEarnings











marksMarksScored

Criteria Marks

1 Age 5 18 to 2425 to 4950 to 5960 to 65

3510


20


50



4210



530


10



20



520


1 Yes No

10

MARKS SCORED 30



Page 26 of 26


SrNo


MarksScored

Criteria Marks


531



531



53


30


20


10


420



5421



5

1

0



5

1

0



530


5 gt 215 To 2lt 15

520

MARKS SCORED

50





MarksScored

Criteria Marks


10 YesNo

100


5 YesNo

50


20


2 EasyOk

20


5 GoodOk

50


10



5430



5

1


0



5

1

0



53

0


5 gt 215 to 2lt 15

520

MARKS SCORED 50 40




SrNo


MarksScored

Criteria Marks



1510530


5 YesNo

50

MARKS SCORED 20



NameDate


























SrNo


MarksScored

Criteria Marks



10852


1051



5330


15 ExcellentGoodOK

15100



1075NIL

Marks scored 50



Name














marksMarksScored

Criteria Marks

1 Age 5 18 to 2425 to 4950 to 5960 to 65

3510


20


50



4210



530


10



20



520


1 Yes No

10

MARKS SCORED 30



Page 26 of 26


SrNo


MarksScored

Criteria Marks


531



531



53


30


20


10


420



5421



5

1

0



5

1

0



530


5 gt 215 To 2lt 15

520

MARKS SCORED

50





MarksScored

Criteria Marks


10 YesNo

100


5 YesNo

50


20


2 EasyOk

20


5 GoodOk

50


10



5430



5

1


0



5

1

0



53

0


5 gt 215 to 2lt 15

520

MARKS SCORED 50 40




SrNo


MarksScored

Criteria Marks



1510530


5 YesNo

50

MARKS SCORED 20



NameDate


























SrNo


MarksScored

Criteria Marks



10852


1051



5330


15 ExcellentGoodOK

15100



1075NIL

Marks scored 50



Name









of 26


SrNo


MarksScored

Criteria Marks


531



531



53


30


20


10


420



5421



5

1

0



5

1

0



530


5 gt 215 To 2lt 15

520

MARKS SCORED

50





MarksScored

Criteria Marks


10 YesNo

100


5 YesNo

50


20


2 EasyOk

20


5 GoodOk

50


10



5430



5

1


0



5

1

0



53

0


5 gt 215 to 2lt 15

520

MARKS SCORED 50 40




SrNo


MarksScored

Criteria Marks



1510530


5 YesNo

50

MARKS SCORED 20



NameDate


























SrNo


MarksScored

Criteria Marks



10852


1051



5330


15 ExcellentGoodOK

15100



1075NIL

Marks scored 50



Name











530


5 gt 215 To 2lt 15

520

MARKS SCORED

50





MarksScored

Criteria Marks


10 YesNo

100


5 YesNo

50


20


2 EasyOk

20


5 GoodOk

50


10



5430



5

1


0



5

1

0



53

0


5 gt 215 to 2lt 15

520

MARKS SCORED 50 40




SrNo


MarksScored

Criteria Marks



1510530


5 YesNo

50

MARKS SCORED 20



NameDate


























SrNo


MarksScored

Criteria Marks



10852


1051



5330


15 ExcellentGoodOK

15100



1075NIL

Marks scored 50



Name










0



5

1

0



53

0


5 gt 215 to 2lt 15

520

MARKS SCORED 50 40




SrNo


MarksScored

Criteria Marks



1510530


5 YesNo

50

MARKS SCORED 20



NameDate


























SrNo


MarksScored

Criteria Marks



10852


1051



5330


15 ExcellentGoodOK

15100



1075NIL

Marks scored 50



Name











SrNo


MarksScored

Criteria Marks



1510530


5 YesNo

50

MARKS SCORED 20



NameDate


























SrNo


MarksScored

Criteria Marks



10852


1051



5330


15 ExcellentGoodOK

15100



1075NIL

Marks scored 50



Name


































SrNo


MarksScored

Criteria Marks



10852


1051



5330


15 ExcellentGoodOK

15100



1075NIL

Marks scored 50



Name









Name









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