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Annexure ‘D’
SCROINGMODEL- MORTGAGELOAN FORTRADE&SERVICESSECTOR:

Sl. No.

Parameters

Max. Marks

Marks scored

Criteria

Marks

1.

Age

3

18-30

31-45

46 & Above

3

2

1

2.

Owning House

3

Own (NM)

Own (M)

Not owning a house

3

2

0

3.

Academic

Qualification

5

Technical

Professional/PG

Graduates

Less than Graduate

5

4

3

2

4.

Experience

In line of trade

4

More than 5 Years

3-5 Years

1-3 Years

Less than one Year

4

3

2

1

5.

Loyalty

(Deposit

Advances

3

Dealing with SBS

More than 3 Years

1-3 Years

Less than one Year

3

2

1

6.

Spouse

Details

2

Employed

Home-maker

2

0

7.

Assessed for IT

2

Assessed

Not Assessed

2

0

8.

>Has Life Insurance

Policy>

2

Yes

No.

2

0

9.

Track record of repayment of personal loan>

3

Prompt/No loan

Irregular

3

0

10.

Continuous Profits

5

Last 5 Years

Last 3 Years

Last Year

5

3

1

11.

Sales show rising trend

5

Last 5 Years

Last 3 Years

Last Year

5

3

1

Marketing

3

>

Tie-up arrangement

in operation

Ancillary

>Others

3

2

1

TOL/TNW

5

Less than 1

1 to 2

2 to 4

More than 4

5

4

3

0

14.

CA/CL

5

More than 1.33

1 to 1.33

Less than 1

5

3

0

DSCR

5

More than 2

1.5 to 2

1 to 1.5

Less than 1

5

3

2

0

 

Routing of sales turnover through the account

100%

75%

50%

< 50%>

5

4

3

1

Total

60

NB : In case any of the above parameters is not applicable, the scoring
should be normalised out o­f 60.


State Bank of Saurashtra______________Branch
Annexure ‘E’           

SCHEME  OF‘MORTGAGELOANFORTRADE&SERVICESSECTOR
Proposal-cum-Sanction Note-cum-Control Report  

Ref. No. SSI/SBF/C&I:

Date:_______________

A/c. __________________________________     

1

Name and address of the Company / Firm


2

Constitution(withname & address of Chief Promoter/Chief Executive ) :

Segment: (SSI/SBF/C&I):


3

Nature ofBusiness / Line of activity:

Since When Established:


4

Worth of the Borrower:

(a)Total Means

Rs.

(b)Tangible Net worth

Worth of the Guarantor, if any:

Rs.


5

Dealing with our Bank since:

(in case of existing units having credit facilities with us)


6

Marks Scored underScoring Model

(A copy of the scoring sheet enclosed)


7

Performance:                                                                              
(Rs. In lacs)

FY ended/ ending à

Past Performance

Estimates

Projections

31/3/-----

31/3/-----

31/3/-----

31/3/-----

31/3/------

(a) Sales Turn over / Income

(b) Net Profit

(c) Debt/ equity ratio

(d) Current ratio

(e) NWC

Mortgage Loanfor Trade & Services Sector:
Proposal-cum-Sanction Note-cum-Control Report


SSI/SBF/C&I:A/c.:____________________Branch:___________


8. Debt Service Coverage: (for Term Loan)
  Year Year Year Year Year
(a)Net profit          
(b)Cash accruals          
(c) Annual repayment obligations          

(d) DSCR

         

9

Nature and Amount ofLimit
(FB / NFB ; C.C. / O.D. ;L.C. / B.G.)

 
9-a Purpose of Loan  
9-b Rate of Interest / Commission  

10-a

In case ofTerm Loan/Term Loan Component proposed:
Project Cost

Item

Cost

Margin %

Margin Amt.

Loan amount proposed

Land

Building

Machinery

Other F.A.

Total

10-b

Rate of Interest

10-c

Repayment Schedule


11.

Total Facility proposed

Working Capital

Term Loan

Total

Non Fund Based:

 

Rs. _______________

Rs. _______________

Rs. _______________

Rs._______________


12 Insurance  
13 Periodicity of Inspection  
14 Submission of stock statement for WC)  

Mortgage Loanfor Trade & Services Sector: Proposal-cum-Sanction Note-cum-Control Report

SSI/SBF/C&I:A/c.:________________Branch:_____________


15

Is valuation report of the security,title clearance report,obtainedand carried out search in the ROC , where applicable and found satisfactory? (Tick whichever is applicable)

Yes

No

Not applicable

Valuation report(s) of security

Title Clearance Report

Search in ROC

16.

Details of Documents Obtained

with date:

17.

Details of Security :

(A) Primary:

(B) Collateral Security:

a)Description of propertyequitably mortgaged / to be mortgaged, with revenue survey No. & exact location.

Particulars as given in the revenue records with boundries to be given.

b)Property standing in the name of :

c) Legal Opinion

d)Realisable Value of Immovable Property (ies),Mortgaged / to be Mortgaged, as per valuation report.

e) Margin:

f) Advance Value: (d-e)

g) Eligible Loan Amount

The Title of the property (ies) offered as security is/are scrutinized by the bank’s approved Advocate Shri /M/s.,_____________and the titles are clear, marketable & free from any encumbrance. Copy (ies) of report dated _______is enclosed.

Rs.___________. Valuation report(s) of bank’s approved valuer i) Shri _____________, dated and

ii) Shri _______________dated obtained. Copy(ies)is/are enclosed.

Rs.(i.e.65% of the realizable value)

18.

Property Verification Certificate:

The property (ies) equitably mortgaged/to be mortgaged against which the advance has been made / to be made has / have been physically verified by me / Branch Manager and satisfied about its existence & description as per details given above.

19.

Recommendations,use additional sheet if required):
We have thoroughly gone through the application and supporting documents provided by the applicant. We have found the applicant eligible for finance as proposed herein above under the ‘Mortgage Loan for Trade & Services Sector’. Copies of Application, Scoring tables and other relevant papers are enclosed. Pre-sanction inspection of the unit and of the properties, proposed to be mortgaged, has been carried out. Opinion reports on the borrower and guarantors,have been compiled and kept on branch record. All other necessary papers / documentshave been obtained and kept on branch record.

We recommend for sanction of the credit facilities as detailed herein above.

Date:

 

Place:

(Recommending Authority)

 


Sanctioned: Working Capital limit of Rs. ________________

Medium Term Loan of  Rs. _________________

                       Total Limits Rs. _________________

On the terms and conditions narrated hereinabove/hereunder.

Remarks, if any:

Date:

 

Place:

 

(Sanctioning authority)


REVIEWED

Remarks, if any:

Date:

Place:

 

(Reviewing Authority)

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