RAHETG_RAHETGAON -00758

Values are in Lakhs

PROCESS NOTE FOR GOVT. SPONSORED SCHEME / SMALL BUSINESS PMEGP , PMEGP

1 Name of Applicant BRAJ MOHAN SOLANKI

2 Name of the Propretior NA
3 Age of the Propretior NA
4 Address NA
5 Category of applicant
6 Age of Applicant 39
7 Govt. Scheme PMEGP
8 Purpose of Loan PS-SSI-FOOD - FOOD PROCESSING
9 Activity
PMEGP 10.34 Lakhs
10 Limit Applied
PMEGP 3.88 Lakhs
Bank Loan Rs.10.34 Lakhs
Bank Loan Rs.3.88 Lakhs
Backend Subsidy Rs.2.7225 Lakhs
10 Loan Components
Margin Brought by Borrower Rs.1.089 Lakhs
Minimum Margin Rs.1.089 Lakhs
Cost of Project Rs.14.98 Lakhs
11 PRICING
0 (RBLR) + 0.25 (Spread) = 9.35 % P.A.
ROI
0 (RBLR) + 0.25 (Spread) = 9.35 % P.A.
RS . +GST
Processing/Upfront Charge
RS .1164 +GST
RS. +GST
Inspection Charge
RS. +GST
RS. +GST
Documentation Charge
RS. +GST
CGTMSE/MUDRA Guarantee
RS. + GST
fees
CIBIL Charges Rs. + GST
CERSAI Charges RS . + GST
Penal Interest The Bank shall charge penal interest under the following circumstances:
1. 1% p.a. with monthly rests on Default in observance of borrowing
covenants/terms and conditions of the sanction.
2.1% p.a. with monthly rests on Delayed submission of renewal data, if
period exceeds 3 month from due date.
3. 1% p.a. with monthly rests on Non-submission/delayed submission of
stock, book debt statements (submitted after 15th of subsequent month
 or as allowed in sanction).
4. 1% p.a. with monthly rests on Non submission of audited financials on
time, penal interest to be charged from 1st November till the date of
submission.
5. Any other eventuality/situation to be decided by the bank.
6. 2% p.a. with monthly rests on irregular portion including Term Loan.
However, the total additional interest charges on a borrower due to
various non-compliances will not exceed 2% p.a. with monthly rests.
12 Educational Qualification
13 Technical Qualification
14 Place of Business NA
15 Guarantors Name with Address
Amount Already invested in 1.089%
16
Business 1.089%
Stock in Trade
17 Primary Security
Stock in Trade
18 Collateral
Whether Covered under
19 Yes
CGTMSE
CRIF Score - 701
20 CIBIL Score and comments CIBIL Score - 00740
EXPERIAN Score -
21 RATING Low Risk Rating 97
Technical Feasibility of the
22
proposal
1. Whether the applicant is having valid Driving License?
23 In case of vehicle proposal
2. Whether Permit is on record?
24 Insurance
12 Months
25 Moratorium Period
Months
84 Months
26 Repayment Period
Months
27 Mode of Disbursement
Amount recommended for 10.34 Lakhs
31
Sanction 3.88 Lakhs
32 Documents to be obtained 1 . DP Note Corporate Clients
2 . Agreement of Hypothecation to Secure Demand Cash Credit Against
Goods
3 . Loan Cum Hypothecation Agreement (Machinery)
4 . Letter of Interest Variation
5 . Term Loan Agreement for Hypothecation of Vehicle
6 . Overdraft Agreement
7 . CGTMSE Undertaking
8 . Consent Letter of Borrower
9 . Supplementary Agreement
10 . Demand Promissory Note (Consortium)
11 . Memorandum of Entry
12 . Demand Promissory Note (Company)
13 . Demand Promissory Note (Individual)
14 . Demand Promissory Note Joint & Several (Individual)
15 . Term Loan Agreement
 16 . Demand Promissory Note (Partnership Firm)
17 . Letter of Deposit of Advance Cheques
18 . Demand Promissory Note (Proprietor)
19 . Letter of Continuity
20 . Declaration and Undertaking
21 . Letter of Waiver

FINANCIAL PARAMETERS:

2024-2025 2025-2026 2026-2027 2027-2028 2028-2029 2029-2030 2030-2031

( ( ( ( ( ( (
Particulars
Projection Projection Projection Projection Projection Projection Projection
) ) ) ) ) ) )
Repairs & Maintenance 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Selling Expenses 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Gross Profit 5.76 43.58 47.06 50.67 54.43 57.89 61.59
Cash Cycle 0.00 0.00 0.00 0.00 0.00 0.00 0.00
ADDITIONAL
INFORMATION
Contingent liabilities
Arrears of depreciation 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Arrears of cumulative
0.00 0.00 0.00 0.00 0.00 0.00 0.00
dividends
Guarantees issued
0.00 0.00 0.00 0.00 0.00 0.00 0.00
(relating to business)
Guarantees issued (for
0.00 0.00 0.00 0.00 0.00 0.00 0.00
group companies)
Gratuity Liability not
0.00 0.00 0.00 0.00 0.00 0.00 0.00
provided for
Disputed excise /
0.00 0.00 0.00 0.00 0.00 0.00 0.00
customs / tax Liabilities
LCs accepted.. 0.00 0.00 0.00 0.00 0.00 0.00 0.00
"All other contingent
liabilities (incldg. Bills
0.00 0.00 0.00 0.00 0.00 0.00 0.00
purchased - Under
LC)"
Total Contingent
0.00 0.00 0.00 0.00 0.00 0.00 0.00
liabilities
Other information
Installments of Term
Loans / Deferred
payment credits / 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debentures / deposits
(due within one year)
Preference Share
Capital (due in less 0.00 0.00 0.00 0.00 0.00 0.00 0.00
than a year)
 2024-2025 2025-2026 2026-2027 2027-2028 2028-2029 2029-2030 2030-2031
( ( ( ( ( ( (
Particulars
Projection Projection Projection Projection Projection Projection Projection
) ) ) ) ) ) )
CURRENT
LIABILITIES
Creditors for
Purchases - Group 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Companies
Total Current Liabilities 21.66 22.23 22.51 22.80 23.12 23.48 23.88
Unsecured Loans 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Other term liabilities 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Term Liabilities 28.50 25.46 21.83 17.84 13.45 8.63 3.33
TOTAL OUTSIDE
50.16 47.69 44.34 40.64 36.57 32.11 27.21
LIABILITIES
NET WORTH
TOTAL LIABILITIES 72.80 71.97 70.68 69.47 68.38 67.74 67.67
BG - Where No Assets
will be created out of 0.00 0.00 0.00 0.00 0.00 0.00 0.00
loan amount- 20%
From Other Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00
BG-Where Assets will
be created out of loan 0.00 0.00 0.00 0.00 0.00 0.00 0.00
amount- 100%
LC-Where Assets will
be created out of loan 0.00 0.00 0.00 0.00 0.00 0.00 0.00
amount- 100%
BG-Where No Assets
will be created out of 0.00 0.00 0.00 0.00 0.00 0.00 0.00
loan amount- 20%
LC-Where Assets will
be created out of loan 0.00 0.00 0.00 0.00 0.00 0.00 0.00
amount- 20%
Any kind of guarantee-
0.00 0.00 0.00 0.00 0.00 0.00 0.00
NCGTC/CGTMSE etc
CURRENT ASSETS
Cash & Bank Balances 2.24 2.00 2.98 3.52 4.19 4.91 5.84
Investments
Receivables
Prepaid Expenses 0.00 0.00 0.00 0.00 0.00 0.00 0.00
TOTAL CURRENT
29.00 32.12 34.17 35.83 37.15 38.57 40.24
ASSETS
FIXED ASSETS
Land 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Buildings 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Plant and Machinery 30.94 26.30 22.35 19.00 16.15 13.73 11.67
 2024-2025 2025-2026 2026-2027 2027-2028 2028-2029 2029-2030 2030-2031
( ( ( ( ( ( (
Particulars
Projection Projection Projection Projection Projection Projection Projection
) ) ) ) ) ) )
Furnitures, Fixtures,
0.00 0.00 0.00 0.00 0.00 0.00 0.00
Office equipments
Vehicles 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Other Fixed Assets 17.50 17.50 17.50 17.50 17.50 17.50 17.50
Gross Block 48.44 43.80 39.85 36.50 33.65 31.23 29.17
Net Block 48.44 43.80 39.85 36.50 33.65 31.23 29.17
TOTAL ASSETS 77.44 75.92 74.02 72.33 70.80 69.80 69.41
TOL/TNW with NFB 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Any other Assets
created out of Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Finance
Collateral ( Third Party
0.00 0.00 0.00 0.00 0.00 0.00 0.00
/ Associates)
Net Cash Flow from
0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Activities
Net Cash Flow from
0.00 0.00 0.00 0.00 0.00 0.00 0.00
Investing Activities
Net Cash Flow from
0.00 0.00 0.00 0.00 0.00 0.00 0.00
Financing Activities
Total
Incraese/Decrease in 0.00 0.00 0.00 0.00 0.00 0.00 0.00
cash
Opening Cash and
0.00 2.24 2.00 2.98 3.52 4.19 4.91
bank balance
Closing Cash and bank
2.24 2.00 2.98 3.52 4.19 4.91 5.84
balance
Opening TNW 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Share Application
0.00 0.00 0.00 0.00 0.00 0.00 0.00
Money
Add PAT 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Add Increase in Equity 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Add Increase in Share
0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premium
Plus or minus)Change
0.00 0.00 0.00 0.00 0.00 0.00 0.00
in Intangible assets
Plus/minus prior Year
0.00 0.00 0.00 0.00 0.00 0.00 0.00
Expenses
Deduct Dividend
0.00 0.00 0.00 0.00 0.00 0.00 0.00
payment
Add/Subtract :
0.00 0.00 0.00 0.00 0.00 0.00 0.00
DTL/DTA
Closing TNW 22.64 24.28 26.34 28.83 31.81 35.63 40.46
 2024-2025 2025-2026 2026-2027 2027-2028 2028-2029 2029-2030 2030-2031
( ( ( ( ( ( (
Particulars
Projection Projection Projection Projection Projection Projection Projection
) ) ) ) ) ) )
Investments in
associates/Subsidiaries 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(A&S)
Long Term Loans to
0.00 0.00 0.00 0.00 0.00 0.00 0.00
A&S
Adjusted TNW 22.64 24.28 26.34 28.83 31.81 35.63 40.46

Analysis of the Financial Statements :

2024-2025 2025-2026 2026-2027 2027-2028 2028-2029 2029-2030 2030-2031

( ( ( ( ( ( (
Particulars
Projection Projection Projection Projection Projection Projection Projection
) ) ) ) ) ) )
Repairs & Maintenance 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Selling Expenses 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Gross Profit 5.76 43.58 47.06 50.67 54.43 57.89 61.59
Cash Cycle 0.00 0.00 0.00 0.00 0.00 0.00 0.00
ADDITIONAL
INFORMATION
Contingent liabilities
Arrears of depreciation 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Arrears of cumulative
0.00 0.00 0.00 0.00 0.00 0.00 0.00
dividends
Guarantees issued
0.00 0.00 0.00 0.00 0.00 0.00 0.00
(relating to business)
Guarantees issued (for
0.00 0.00 0.00 0.00 0.00 0.00 0.00
group companies)
Gratuity Liability not
0.00 0.00 0.00 0.00 0.00 0.00 0.00
provided for
Disputed excise /
0.00 0.00 0.00 0.00 0.00 0.00 0.00
customs / tax Liabilities
LCs accepted.. 0.00 0.00 0.00 0.00 0.00 0.00 0.00
"All other contingent
liabilities (incldg. Bills
0.00 0.00 0.00 0.00 0.00 0.00 0.00
purchased - Under
LC)"
Total Contingent
0.00 0.00 0.00 0.00 0.00 0.00 0.00
liabilities
Other information
 2024-2025 2025-2026 2026-2027 2027-2028 2028-2029 2029-2030 2030-2031
( ( ( ( ( ( (
Particulars
Projection Projection Projection Projection Projection Projection Projection
) ) ) ) ) ) )
Installments of Term
Loans / Deferred
payment credits / 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debentures / deposits
(due within one year)
Preference Share
Capital (due in less 0.00 0.00 0.00 0.00 0.00 0.00 0.00
than a year)
CURRENT
LIABILITIES
Creditors for
Purchases - Group 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Companies
Total Current Liabilities 21.66 22.23 22.51 22.80 23.12 23.48 23.88
Unsecured Loans 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Other term liabilities 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Term Liabilities 28.50 25.46 21.83 17.84 13.45 8.63 3.33
TOTAL OUTSIDE
50.16 47.69 44.34 40.64 36.57 32.11 27.21
LIABILITIES
NET WORTH
TOTAL LIABILITIES 72.80 71.97 70.68 69.47 68.38 67.74 67.67
BG - Where No Assets
will be created out of 0.00 0.00 0.00 0.00 0.00 0.00 0.00
loan amount- 20%
From Other Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00
BG-Where Assets will
be created out of loan 0.00 0.00 0.00 0.00 0.00 0.00 0.00
amount- 100%
LC-Where Assets will
be created out of loan 0.00 0.00 0.00 0.00 0.00 0.00 0.00
amount- 100%
BG-Where No Assets
will be created out of 0.00 0.00 0.00 0.00 0.00 0.00 0.00
loan amount- 20%
LC-Where Assets will
be created out of loan 0.00 0.00 0.00 0.00 0.00 0.00 0.00
amount- 20%
Any kind of guarantee-
0.00 0.00 0.00 0.00 0.00 0.00 0.00
NCGTC/CGTMSE etc
CURRENT ASSETS
Cash & Bank Balances 2.24 2.00 2.98 3.52 4.19 4.91 5.84
Investments
Receivables
Prepaid Expenses 0.00 0.00 0.00 0.00 0.00 0.00 0.00
 2024-2025 2025-2026 2026-2027 2027-2028 2028-2029 2029-2030 2030-2031
( ( ( ( ( ( (
Particulars
Projection Projection Projection Projection Projection Projection Projection
) ) ) ) ) ) )
TOTAL CURRENT
29.00 32.12 34.17 35.83 37.15 38.57 40.24
ASSETS
FIXED ASSETS
Land 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Buildings 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Plant and Machinery 30.94 26.30 22.35 19.00 16.15 13.73 11.67
Furnitures, Fixtures,
0.00 0.00 0.00 0.00 0.00 0.00 0.00
Office equipments
Vehicles 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Other Fixed Assets 17.50 17.50 17.50 17.50 17.50 17.50 17.50
Gross Block 48.44 43.80 39.85 36.50 33.65 31.23 29.17
Net Block 48.44 43.80 39.85 36.50 33.65 31.23 29.17
TOTAL ASSETS 77.44 75.92 74.02 72.33 70.80 69.80 69.41
TOL/TNW with NFB 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Any other Assets
created out of Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Finance
Collateral ( Third Party
0.00 0.00 0.00 0.00 0.00 0.00 0.00
/ Associates)
Net Cash Flow from
0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Activities
Net Cash Flow from
0.00 0.00 0.00 0.00 0.00 0.00 0.00
Investing Activities
Net Cash Flow from
0.00 0.00 0.00 0.00 0.00 0.00 0.00
Financing Activities
Total
Incraese/Decrease in 0.00 0.00 0.00 0.00 0.00 0.00 0.00
cash
Opening Cash and
0.00 2.24 2.00 2.98 3.52 4.19 4.91
bank balance
Closing Cash and bank
2.24 2.00 2.98 3.52 4.19 4.91 5.84
balance
Opening TNW 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Share Application
0.00 0.00 0.00 0.00 0.00 0.00 0.00
Money
Add PAT 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Add Increase in Equity 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Add Increase in Share
0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premium
Plus or minus)Change
0.00 0.00 0.00 0.00 0.00 0.00 0.00
in Intangible assets
 2024-2025 2025-2026 2026-2027 2027-2028 2028-2029 2029-2030 2030-2031
( ( ( ( ( ( (
Particulars
Projection Projection Projection Projection Projection Projection Projection
) ) ) ) ) ) )
Plus/minus prior Year
0.00 0.00 0.00 0.00 0.00 0.00 0.00
Expenses
Deduct Dividend
0.00 0.00 0.00 0.00 0.00 0.00 0.00
payment
Add/Subtract :
0.00 0.00 0.00 0.00 0.00 0.00 0.00
DTL/DTA
Closing TNW 22.64 24.28 26.34 28.83 31.81 35.63 40.46
Investments in
associates/Subsidiaries 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(A&S)
Long Term Loans to
0.00 0.00 0.00 0.00 0.00 0.00 0.00
A&S
Adjusted TNW 22.64 24.28 26.34 28.83 31.81 35.63 40.46

CALCULATION OF DSCR
2024-2025 2025-2026 2026-2027 2027-2028 2028-2029 2029-2030 2030-2031
( ( ( ( ( ( (
Particulars
Projection Projection Projection Projection Projection Projection Projection
) ) ) ) ) ) )
Capacity utilisation % 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Sales 65.00 136.50 150.15 165.17 181.68 199.85 219.83
Net Profit 1.70 34.86 38.17 41.58 45.25 48.61 52.21
Depreciation 4.64 3.94 3.35 2.85 2.42 2.06 1.75
Cash Accruals (Net of
6.34 38.80 41.52 44.43 47.67 50.67 53.96
Margin)
Interest .. 1.08 2.59 2.26 1.90 1.50 1.07 0.59
TOTAL (A) 7.42 41.39 43.78 46.33 49.17 51.74 54.55
Term Loan
0.00 0.00 0.00 0.00 0.00 0.00 0.00
repayments
TOTAL (B) 1.08 2.59 2.26 1.90 1.50 1.07 0.59
Gross DSCR 6.87 15.98 19.37 24.38 32.78 48.36 92.46
Net DSCR 6.87 15.98 19.37 24.38 32.78 48.36 92.46
Sales 65.00 136.50 150.15 165.17 181.68 199.85 219.83
Net Profit 1.70 34.86 38.17 41.58 45.25 48.61 52.21
Cash Accruals 6.34 38.80 41.52 44.43 47.67 50.67 53.96
Interest 1.08 2.59 2.26 1.90 1.50 1.07 0.59
TOTAL 7.42 41.39 43.78 46.33 49.17 51.74 54.55
TL / DPG
Repayments
Existing Loan 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Proposed Loans 0.00 0.00 0.00 0.00 0.00 0.00 0.00
 CALCULATION OF DSCR
2024-2025 2025-2026 2026-2027 2027-2028 2028-2029 2029-2030 2030-2031
( ( ( ( ( ( (
Particulars
Projection Projection Projection Projection Projection Projection Projection
) ) ) ) ) ) )
Interest 1.08 2.59 2.26 1.90 1.50 1.07 0.59
TOTAL 1.08 2.59 2.26 1.90 1.50 1.07 0.59
Gross DSCR 6.87 15.98 19.37 24.38 32.78 48.36 92.46
Average Gross DSCR 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net DSCR 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Other Terms and Conditions:

RECOMMENDATION:

RECOMMENDING AUTHORITY SANCTIONING AUTHORITY

Name: Name: Arun Kumar Ponnappan
PF No: PF No: 121937
Date: Date: 23/04/2024