Hunter.doc

Personal Discussion Sheet PD Details App ID Location Name of the Applicant: Name of Co-applicant Loan Amount: Type of Loan (HL/LAP/CP): HL - Self construction / Builder Purchase/ Resale Purchase / Land Purchase only / Land purchase + Self Construction / Home Renovation LAP - Construction of property / for Business Use / for Personal Use / Others (detailed). Date of PD: NA Visiting Address (Address where PD Conducted): GPS Co-ordinates Address Type (Residence/ Office/ Shop/ Factory/ Others) Customer Contact no: Agency/Credit Manager Name:

NA Borivali NA NP Rs. 80 Lakhs approx.

LAP

12/01/2019 AN NA NA Residential Premise NA NA

Profile: ABOUT THE BORROWERS : Mr. NA proprietor of MNAsince last 20 years approx. He has around 30 years of work experience in the same line of business. He has studies 12th Standard from Mumbai. (This business is parental started by his father, Prior applicant working with his in same business)

Family Background Name NA NA An AN

Relation NA An Na Father

Age AN Na Na N

Education AN Nna N Graduate

Occupation Housewife Studying Studying Retired

4 Members

NO. OF DEPENDENTS GENERAL LIFESTYLE/PERSONALITY (Below Average/ Medium/ Above Average)

Below Average/ Medium/ Above Average

OTHER REMARKS Name of Business Concern A Constitution (Proprietorship / Partnership / Pvt Ltd Co. / Ltd Co./ LLP) Proprietorship Concern (Registered in applicant’s father name.) Name of Promoters / Partners/ Shareholders & their Share of Profit (where Multiple Promoters) NA Vintage of Business (no. of years since business is running) Is business run by promoters or other person Nature and Line of Business:

Since last 43 years approx. (Parental Business) No He resides AN by applicant’s father and applicant take over since last 20 years approx. (Purchased details not shared) Applicant is engaged in the business of Pesticides and House Keeping. He provides services like housekeeping, pesticides to his fixed and individual clients. As per applicant, he has few fixed companies that he provides these facilities. As per applicant, he operates at his fixed companies commercial premises and also operates at company’s staff’s

residential premises as mention in company’s contract agreement. As per applicant, he has tie-up M/s. Mahindra and Mahindra, M/s. RBI, M/s. Elf Lubricon, M/s. New Insurance, etc. He also operates at his refers individual clients and commercial premises. Note: As per applicant he has 200 employees, those employees work for his tie-up companies on applicant’s payroll basis. As per applicant, he gets around 20 Lakhs every month as salary of 200 employees from his tie-up companies. His operating timing is from 11:00 AM to 8:00 PM with weekly off on Sunday. As per applicant, he has 10 machines for cleaning purpose having current market value of Rs. 3 Lakhs approx. As per applicant, his annual turnover is of Rs. 2.5 Cr to Rs. 3 Cr approx and net profit margin of 6% to 8% approx.  Business Set-up Seen- Yes/ No (Separately demarcated at his residential premise )  Business activity Seen – Yes / No Comments on Business  Stock Maintained – Yes / No – Activity by Agency / Credit Manager :  Employees Seen – Yes / No – 5 Employees were Seen (Select Yes / No & specify  Customers Seen – Yes / No – details where required)  Machine & Equipments Seen – Yes / No  Name Board Seen – Yes/ No – specify the form (Board/ Printout/ Banner/ Painted/ Other)  Aadhar Card NA  He provided contract agreement of House Keeping with M/s. Mahindra & Mahindra Ltd. (Agreement was expire few months ago, as per applicant; he is initiated for new agreement.) Documentary Check  He provides bank statements for verification and business transactions are reflecting.  ITR AY MA filed as on 26.09.2018.  ITR AY 201ans Sales / Customers: List of Major Customer As per applicant, he has fixed and refers customer in his business. His and Suppliers: receipts transaction 100% on cheque/NEFT basis. He provides 1 month as credit facility his fixed customers to regular customers he does not provide any credit. Sr. Name of customers Location Contact no. No 1 NP NP

2 3

M/s. scs ad

NP NP

NP NP

Purchase / Suppliers: As per applicant, he purchases all his material and chemical from his fixed suppliers. His payment transactions are 100% on cheque/NEFT basis. He gets 30 days as credit facility from his suppliers. Sr. Name of supplier Location Contact no. No 1 NA NA NA Financial Details: Asset Details:

Assets type

Location of Description

Property/ Asset Owned By

Property

He resides and operates his business from owned residential premise located NA This premise is in the name of applicant. Operating from this premise since 1975 by applicant’s father and applicant take over since last 20 years approx. (Purchased Applica details not shared) nt

Residenti al Premise Gold

He has owned residential premise located NA Rs. 60 Lakhs approx. This premise is in the name of applicant. Currently this premise is vacant. (Purchase details not shared and this premise is secured Applica against HL obligation. nt None

Loan Expected running if market any value (Rs. in lakhs)

No

Rs. 2 Cr approx.

Yes

Rs. 60 Lakhs approx.

He has 1 car & 2 bikes Applica for personal use. nt

Vehicles FD/NSC / KVP/PP F None Shares/ MF Insurance None Policies Other None Bank Name Type Account Banking Details (Details of & bank account of SBI Bank applicant / co-applicant) Saraswat Bank

Current Account Current Account

Bank Name NA Anqs

Loan Details

Type Loan A Snq

of Sanction amt NA Nd

Branch Kandivali

Years Since last 30 years

Borivali

Since last 30 years

EMI Paid Naq Nas

Balance Tenor A NP

BUDGET ANALYSIS SR. NO.

PARTICULARS

1

Total Monthly Net Income

2

Overall Family expenses per month

3

Existing Loan EMI’s

4

Total Monthly Expenses (2+3)

5

NET SURPLUS (1-4)

AMOUNT Rs. 2 Lakhs approx Rs. 25,000/- approx Rs. 1,02,000/- approx Rs. 1,27,000/- approx Rs. 73,000/- approx

As per bank AFFORDABLE EMI (as per borrower) Collateral & End Use of Funds Details of Collateral / Property to be mortgaged: Security Offered: He offers his residential premise as collateral (Select from options security for this loan. provided & specify details where required) NA

He wants LAP of Rs. 80 Lakhs for the purpose of settle all his existing End Use of Loan Funds: loans and rest amount he wants to keep for future government tender security. Sr. Individual / Business Name Knowin Feedback No. g Since Since last 7 Third Party Check 1 Security Guard years. Positive Since last 15 years 2 Neighbor approx Positive  Business cum residential set-up and activity was seen.  Business name board was not seen.  Interior & Exterior Premise was good.  Visited Premise located at residential area of Borivali (W).  At the Time of visit Business cum residential Set up, Employees, family members, activity etc. was seen.  He provided Aadhar card, PAN Card, ITR’s, Shop Act License, Bank Statements, Contract agreement with clients, etc. for Major Observations / verification. Comments / Concerns  Visiting Card Provided during PD:  He did not provide GSTIN & GST returns, Purchase bills, employee’s payments receipts, etc. for verification.  His receipts transaction 100% on cheque basis  He has 2 Loan obligations in his name.  All the information was provided by applicant at initiated address. 

TPC was done with Security Guard and neighbors got positive response about applicant and his business.

PD Status (Select from options Positive (On the basis Business set up, activity, Documents and TPC) provided & specify details where required) Business proprietorship is registered in the name of applicant’s father. Remarks Name of the Agency Executive: sd