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SME-CHECK-LIST

The document is a checklist for borrowers applying for an SME loan, detailing required documents and information across various categories including application, proprietor/partner/guarantor details, unit registration, balance sheets, and collateral security. It emphasizes the need for financial statements, identification documents, project reports, and compliance certificates. Additionally, it includes requirements for renewal, enhancement, and takeover of loans, as well as technical and CIBIL reports.

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Gaurav Joshi
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46 views

SME-CHECK-LIST

The document is a checklist for borrowers applying for an SME loan, detailing required documents and information across various categories including application, proprietor/partner/guarantor details, unit registration, balance sheets, and collateral security. It emphasizes the need for financial statements, identification documents, project reports, and compliance certificates. Additionally, it includes requirements for renewal, enhancement, and takeover of loans, as well as technical and CIBIL reports.

Uploaded by

Gaurav Joshi
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PDF, TXT or read online on Scribd
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Check list From Borrower for SME Loan

1 Application  Application
 Opinion Report (Bio Data Form)/ Feed Back Form (SBI’s
affidavit form with Rs.100/- stamp)
 DD for processing fee / Advocate fee / Valuation fee.
 Justification for advances in our Bank. (If other loan A/c
with other Bank).
 Capital Raise and Unsecured Loan list and CA
Certificate.
 Justification in case of uneven rise in sales, profit or
lower if any (if applicable).
2 Proprietor  Brief Profile
Partner /  Photo
Guarantor  Passport /EC Card/Driving License/
 Telephone Bill/Ration Card
 PAN CARD
 lT Returns for last two years
 Personal Assets & Liabilities Statement along with
supporting proof or affidavits for personal assets &
Liabilities.
 Share of Promoters age, Pan No., Relation.
 GIDC permission for EM in lease deed.
3 Unit  Project Partnership Deed and Partnership Letter
Registered  Memorandum of Article of Association / Certificate of
incorporation / Commencement of Business, Board
Resolution.
 Search Report from Registrar of Companies.
 SSI Registration Certificate
 Panchayat License / Shop act license
 PAN Card
 lT Return for last Two years
 VAT Returns for last two years
 Project Repot (For Term Loan)/ Unit Profile in working
capital
 Power Allocation
 Plan/Estimate / Invoices
 Pollution Control Clearance
 Marketing arrangement; report of an, study / survey
conducted. Quotation project report of machinery.
 GSPC connection (if applicable).
 Quality, Control arrangement (ISO Certificate)
 Lease Agreement for hired premises.
 Share of Promoters age, Pan No., Relation.
GIDC permission for EM in lease deed.
4 Balance Sheet  Actual Past 2 Years (3 Years where CRA is required)
 Estimated current year
 Projected Next Year
 Projected -6 years (For Term Loan)
 CMA (For where credit rating is required)
 Actual Sales upto the Last Month of current year (CA
Certified)
5 Associate  Brief Profile
Units  Last Balance Sheet
 Opinion Report from Bankers
6 Renewal /  Last Stock Statement
enhancement  Last Inspection Report
 Term Loan Review
 Copy of latest sanction note
 Confirmation of irregularity, if any
7 Take over  Copy of sanction letter of their existing Bankers
 Statement of account for one year
 Credit Information Report from their existing Banker
8 Collateral  Details – TCR and valuation. (SGB/ SBI approved
Security advocate/ valuer.)
9 Comparison of  Comparison with other unit.
activity
10 CIBIL  If any outstanding in CIBIL – Bank statement, Bank
Report
11 ECGC  ECGC report of dealer’s in (Imported machinery).
12 Technical  Technical report of machinery.
report
13 Running /  Sales fig CA certified up to last month.
Switch over  Opinion report from present Bankers.
unit.  How present loan A/c will be liquidated?

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