INDIAN OVERSEAS BANK

REGIONAL OFFICE
VARANASI
REVIEW OF CAF 1
BRANCH: Pratapgarh Scale- II, MONTH: June-2020 DATE: 29.08.2020
We place hereunder the observations in respect of CAF-1 submitted by the Branch.

CAF1 Name of the Borrower Facility Loan Amount Details of Facility

S.No.
(In Lacs)

M/s. Sentor Orthopatic

Proprietor : Mohd Naseem CC--PUB Rs.15.00 CC-PUB

S REGIONAL OFFICE OBSERVATIONS

N

……. GENERAL POINTS……….

(BRANCH TO CONFIRM) Yes No Other Remarks if necessary

1 Compliance onKYC √ Branch to ensure

2 Borrower is not on ECGC/RBI/ Other Bank defaulters list Branch to ensure

3 Satisfactory CIBIL Reports are available √ Cibil report is obtained. Score is 817. Commercial
Cibil no credit History

4 Having held MSMED/SSI Registration certificate (in case of √ Branch to obtain GST returns
manufacturing unit), Sales Tax/VAT registration Certificate

5 Document relating to constitution of unit √ Branch to obtain

6 Having held F-347 √

7 Whether proportionate /sufficient Turnover is routed √ Turnover is 74.66

through us (F209 discussed)

8 Sales tax /Vat/GST returns for the last year Not mentioned in the office note

9 Method of lending for a)WC: a- Available

b) Term loan – DSCR b- NA

11 Rent agreement (if business premises are on rent) √ To be obtain along with no lien letter

12 Inspection/Godown Inspection conducted & report is held on √ Inspection reports tobe held with loan documents
record

13 Acceptable Working Capital Assessment √

14 Acceptable Term loan Assessment/ Average DSCR is on √ Na

Benchmark

15 Applicable Owner’s contribution held with us √ Branch to ensure

16 Correct Interest Rate as applicable, is applied √ RLRR+ 1.80% spread

17 Repayment period/ Holiday Period as per scheme is applied √ Cash credit limit and term loan to be reviewed for
 every 12 Months

18 Charge Created on security Prime: √ Stocks

(Whether advance is covered by Collateral: √ Branch not mentioned in office note

Security Value)

19 Securities (Prime & Collateral) are fully insured. √ Branch to ensure to insure the securities for full value.

22 Whether Turnover is Satisfactory or not Branch to ensure that all business transactions are
routed through the Cash Credit account.

23 Submission of Stock/Book Debt Statement Branch to ensure submission of monthly stock

statements and book debts

24 COIR observation √ Branch has confirmed nil remarks

25 All applicable Charge is recovered (As Processing Charge, Stamp √ Branch to ensure
Charge, Inspection Charge, CERSAI Charge etc.)

26 Loan is sanctioned under Branch discretionary power √

27 Scrutiny Available √

…………..SPECIFIC OBSERVATIONS……….

i. Branch to monitor transactions in the account and ensure that the entire sales turnover is routed through the account only.
ii. Branch to ensure that all the mortgage formalities to be completed before disbursement of loan & Title Deeds to be deposited
at notified place.
iii. Branch to do assessment of working capital on the basis of turnover method as per latest bank norms [Refer circular: ADV/
101/2017-18 dated 04.05.2017].
iv. Branch to ensure that the firm is having valid GST registration.
v. Prerelease clearance to be obtained from competent authority.
vi. Disposal of loan proposal by branch manager is must.
vii. Quarterly audited book debt statement is to be submitted by the Borrower.
viii. All other terms & conditions as applicable in this kind of loan as per various bank norms’ should be complied with.
CAF sheet not forwarded. Branch to ensure that latest sanction advice (Ref: bank’s circular no. MISC/167/2017-18 dated 29.06.2017) is
advised.

Nidhi Singh A P Gupta

Senior Manager Chief Manager

Rishi Singh
Senior Regional Manager

INDIAN OVERSEAS BANK

REGIONAL OFFICE, VARANASI
REVIEW OF CAF 1
BRANCH: Pratapgarh Scale- II MONTH: June 2020 DATE: 29.08.2020

We place hereunder the observations in respect of CAF-1 submitted by the Branch.

Name of the Borrower Facility Loan Amount Purpose

(Rs. In Lacs)

Mr. Durvash Chandra Sharma HL-Subhagruha Rs.25.00 Lakh For construction

SR REGIONAL OFFICE OBSERVATIONS

(BRANCH TO CONFIRM) Yes No Other Remarks if necessary

1 Compliance on KYC √

2 Satisfactory CIBIL Report are available √ Cibil report is obtained and the same is
Satisfactory.

3 Borrower is on RBI’s Defaulter List Branch to ensure

4 Having held satisfactory report of the other Bank, if any √

5 Authentic proof of income is held/ Last 3 years ITR √ Branch to obtain authenticate proof of income
mentioned in the note.

6 Income / 50% take home income criteria as laid down in √

the scheme stands complied with.

7 Correct Interest Rate as applicable, is applied √

8 Applicable Margin is held √

9 Repayment period/ Holiday Period as per scheme is applied √ Repayment in Months,180 EMIs

Holiday Period: 3 Months

10 Pre-Sanction Inspection done & report is held on record √ Pre-sanction inspection reports to be held with
loan documents.

12 Securities (Prime /Collateral) are fully insured. √ Branch to ensure to insure the property for full
value.

13 Whether Liability Insurance available or not √

14 Having held Approved Plan for construction and NOC √

15 Having held F-347, F-337 √ Branch to ensure

16 Having held valuation report of the property √ Branch to ensure that the same has been taken
from our panel valuer.

17 Having held valid Legal opinion with title clearance √

 certificate

18 Mortgage/Supplemental Mortgage is created as per Legal √ Branch to ensure

opinion and BPEC is held/ Memorandum Created/Proposed

19 Post-Sanction Inspection done & report is held on record Branch to ensure

and end-use verified.

20 Loan Sanction with in Branch discretionary power √

21 All applicable Charge is recovered (As Processing Charge, Branch to ensure to recover all charges from
Stamp Charge, Inspection Charge, CERSAI Charge etc.) applicant.

22 Compliance of all sanction terms and conditions and √ Branch to ensure that all document held perfectly
perfection in all document in all respect.

23 Scrutiny Available √

……… SPECIFIC OBSERVATIONS………..

1 i. Branch to ensure that the proposal is satisfactorily complying with 50% norms.
ii. Branch to ensure that the title of the property of present owner is clear, marketable and there is no
encumbrance and valid mortgage can be created.
iii. Branch to ensure that mortgage to be created is perfect and strictly as per terms of legal opinion and
SARFAESI is applicable on the property.
iv. Branch to ensure that the property is registered under CERSAI within the stipulated timeframe.
v. Disposal of loan proposal by branch manager is must.
vi. All other terms & conditions as applicable in this kind of loan as per bank’s norms to be complied
with.
Branch to ensure that latest sanction advice (Ref: bank’s circular no. MISC/167/2017-18 dated 29.06.2017) is ad-
vised.

We may advise the branch to take note of the above and confirm compliance.

Nidhi Singh A P Gupta

Senior Manager Chief Manager

Rishi Singh
Senior Regional Manager

INDIAN OVERSEAS BANK

BANKING OPERATIONS DEPARTMENT
REGIONAL OFFICE, VARANASI
REVIEW OF CAF 1
BRANCH: Pratapgarh Scale- II, MONTH: June 2020 DATE: 29.08.2020

We place here under the observations in respect of CAF-1 submitted by the Branch.

CAF1 Name of the Borrower Facility Loan Amount Details of Facility

(In Lacs)

M/s Suman Enterprises

Prop. Mrs. Suman Sharma CC-MUD Rs.10.00 CC-Mudra

REGIONAL OFFICE OBSERVATIONS

SR

……. GENERAL POINTS……….

(BRANCH TO CONFIRM) Yes No Remarks of R.O.

1 Compliance on KYC √

2 Satisfactory CIBIL Reports are available √ Cibil Score is -1

3 Borrower is on RBI’s Defaulter List Branch to ensure

4 Having held satisfactory report of the other Bank, if √

any

5 Having held F-347 complete in all respects √ Branch to ensure

7 Whether comments on financial available √ Projected Balance sheet for 2 years only obtained

8 Correct Interest Rate as applicable, is applied √

9 Applicable Margin is held √

10 Whether Subsidy Claimed/Received √

11 Repayment/ holiday period as per scheme is applied √ Cash credit limit to be renewed for every 12 Months

12 Pre-Sanction Inspection/Godown Inspection √ Unit inspection done.

conducted & report is held on record

13 POST DISBURSEMENT Inspection conducted & √ Branch to ensure

report is held on record

14 Acceptable Term loan Assesment √ NA

15 Having held supplier’s Invoice/Quotation Branch to ensure

16 Security 1. Stocks
2. Machines and equipments
 17 Securities (Prime & Collateral) are fully insured. Branch to ensure

18 Compliance of all sanction terms and conditions and Branch to ensure compliance.
perfection in all document

19 Processing charge or other charges Applicable charges if any to be recovered

20 Scrutiny Available √

…………..SPECIFIC OBSERVATIONS……….

i. Branch to monitor that sufficient income is generated out of the business to repay the term
loan.
ii. Branch to monitor transactions in the cash credit account and ensure that the entire sales
turnover is routed through the cash credit account only.
iii. Branch is required to do rating of the account under new CRRM model.
iv. The assets to be purchased out of term loan are not described in the appraisal note. Branch to confirm
that valid quotation/proforma invoice containing item wise details of the assets and
name/address/GSTIN of the dealer/supplier of machinery/equipment to be purchased out of loan
amount is submitted by the borrower and genuineness of the same is verified by branch.
v. Branch to ensure that minimum margin required as per bank norms is applicable while fixing
monthly drawing power of the cash credit account.
vi. Branch to ensure that subsidy claim formalities are completed within the stipulated time-
frame.
vii. Branch to verify asset creation as per quotation submitted by the borrower and ensure that
loan amount is used exclusively for the purpose for which it is financed.
viii. The loan is covered under CGTMSE branch to ensure CGPAN is generated and same is feeded
in system.
ix. All other terms & conditions as applicable in this kind of loan as per various bank norms’ should be complied with.

Branch to ensure that latest sanction advice (Ref: bank’s circular no. MISC/167/2017-18 dated 29.06.2017) is advised.

We may advise the branch to take note of the above and confirm compliance.

Nidhi Singh A P Gupta

Senior Manager Chief Manager

Rishi Singh
Senior Regional Manager
INDIAN OVERSEAS BANK
BANKING OPERATIONS DEPARTMENT
REGIONAL OFFICE, VARANASI
REVIEW OF CAF 1
BRANCH: Pratapgarh Scale- II, MONTH: July 2020 DATE: 29.08.2020
We place here under the observations in respect of CAF-1 submitted by the Branch.

CAF1 Name of the Borrower Facility Loan Amount Details of Facility

(In Lacs)

Mrs. Renu Pal CC-MUD Rs.4.00 CC-Mudra

REGIONAL OFFICE OBSERVATIONS

SR

……. GENERAL POINTS……….

(BRANCH TO CONFIRM) Yes No Remarks of R.O.

1 Compliance on KYC √

2 Satisfactory CIBIL Reports are available √ Cibil Score is -1

3 Borrower is on RBI’s Defaulter List Branch to ensure

4 Having held satisfactory report of the other Bank, if √

any

5 Having held F-347 complete in all respects √ Branch to ensure

7 Whether comments on financial available √ Projected Balance sheet for 2 years only obtained

8 Correct Interest Rate as applicable, is applied √

9 Applicable Margin is held √ Less than stipulated margin of 25%

10 Whether Subsidy Claimed/Received √

11 Repayment/ holiday period as per scheme is applied √ Cash credit limit to be renewed for every 12 Months

12 Pre-Sanction Inspection/Godown Inspection √ Unit inspection done.

conducted & report is held on record

13 POST DISBURSEMENT Inspection conducted & √ Branch to ensure

report is held on record

14 Acceptable Term loan Assesment √ NA

15 Having held supplier’s Invoice/Quotation Branch to ensure

16 security 1. Stocks
2. Machines and equipments
17 Securities (Prime & Collateral) are fully insured. Branch to ensure

18 Compliance of all sanction terms and conditions and Branch to ensure compliance.
perfection in all document

19 Processing charge or other charges Applicable charges if any to be recovered

20 Scrutiny Available √

…………..SPECIFIC OBSERVATIONS……….

i. Branch to monitor that sufficient income is generated out of the business to repay the term
loan.
ii. Branch to monitor transactions in the cash credit account and ensure that the entire sales
turnover is routed through the cash credit account only.
iii. Branch is required to do rating of the account under new CRRM model.
iv. The assets to be purchased out of term loan are not described in the appraisal note. Branch to confirm
that valid quotation/proforma invoice containing item wise details of the assets and
name/address/GSTIN of the dealer/supplier of machinery/equipment to be purchased out of loan
amount is submitted by the borrower and genuineness of the same is verified by branch.
v. Branch to ensure that minimum margin required as per bank norms is applicable while fixing
monthly drawing power of the cash credit account.
vi. Branch to ensure that subsidy claim formalities are completed within the stipulated time-
frame.
vii. Branch to verify asset creation as per quotation submitted by the borrower and ensure that
loan amount is used exclusively for the purpose for which it is financed.
viii. The loan is covered under CGFMU branch to ensure charges to be deducted.
ix. All other terms & conditions as applicable in this kind of loan as per various bank norms’ should be complied with.

Branch to ensure that latest sanction advice (Ref: bank’s circular no. MISC/167/2017-18 dated 29.06.2017) is advised.

We may advise the branch to take note of the above and confirm compliance.

Nidhi Singh A P Gupta

Senior Manager Chief Manager

Rishi Singh
Senior Regional Manager

INDIAN OVERSEAS BANK

REGIONAL OFFICE, VARANASI
REVIEW OF CAF 1
BRANCH: Pratapgarh Scale- II MONTH: July 2020 DATE: 29.08.2020

We place hereunder the observations in respect of CAF-1 submitted by the Branch.

Name of the Borrower Facility Loan Amount Purpose

(Rs. In Lacs)

Mr. Praveen Kumar Singh HL-Subhagruha Rs.14.00 Lakh For construction

SR REGIONAL OFFICE OBSERVATIONS

(BRANCH TO CONFIRM) Yes No Other Remarks if necessary

1 Compliance on KYC √

2 Satisfactory CIBIL Report are available √ Cibil report is obtained and the same is
Satisfactory.

3 Borrower is on RBI’s Defaulter List Branch to ensure

4 Having held satisfactory report of the other Bank, if any √

5 Authentic proof of income is held/ Last 3 years ITR √ Branch to obtain authenticate proof of income
mentioned in the note.

6 Income / 50% take home income criteria as laid down in √

the scheme stands complied with.

7 Correct Interest Rate as applicable, is applied √

8 Applicable Margin is held √

9 Repayment period/ Holiday Period as per scheme is applied √ Repayment in Months,180 EMIs

Holiday Period: 3 Months

10 Pre-Sanction Inspection done & report is held on record √ Pre-sanction inspection reports to be held with
loan documents.

12 Securities (Prime /Collateral) are fully insured. √ Branch to ensure to insure the property for full
value.

13 Whether Liability Insurance available or not √

14 Having held Approved Plan for construction and NOC √

15 Having held F-347, F-337 √ Branch to ensure

16 Having held valuation report of the property √ Branch to ensure that the same has been taken
from our panel valuer.

17 Having held valid Legal opinion with title clearance √

 certificate

18 Mortgage/Supplemental Mortgage is created as per Legal √ Branch to ensure

opinion and BPEC is held/ Memorandum Created/Proposed

19 Post-Sanction Inspection done & report is held on record Branch to ensure

and end-use verified.

20 Loan Sanction with in Branch discretionary power √

21 All applicable Charge is recovered (As Processing Charge, Branch to ensure to recover all charges from
Stamp Charge, Inspection Charge, CERSAI Charge etc.) applicant.

22 Compliance of all sanction terms and conditions and √ Branch to ensure that all document held perfectly
perfection in all document in all respect.

23 Scrutiny Available √

……… SPECIFIC OBSERVATIONS………..

1 i. Branch to ensure that the proposal is satisfactorily complying with 50% norms.
ii. Branch to ensure that the title of the property of present owner is clear, marketable and there is no
encumbrance and valid mortgage can be created.
iii. Branch to ensure that mortgage to be created is perfect and strictly as per terms of legal opinion and
SARFAESI is applicable on the property.
iv. Branch to ensure that the property is registered under CERSAI within the stipulated timeframe.
v. Disposal of loan proposal by branch manager is must.
vi. All other terms & conditions as applicable in this kind of loan as per bank’s norms to be complied
with.
Branch to ensure that latest sanction advice (Ref: bank’s circular no. MISC/167/2017-18 dated 29.06.2017) is ad-
vised.

We may advise the branch to take note of the above and confirm compliance.

Nidhi Singh A P Gupta

Senior Manager Chief Manager

Rishi Singh
Senior Regional Manager

INDIAN OVERSEAS BANK

REGIONAL OFFICE,
VARANASI
REVIEW OF CAF 1
BRANCH: Pratapgarh Scale-II, MONTH: JULY 2020 DATE: 29.08.2020

We place hereunder the observations in respect of CAF-1 submitted by the Branch.

CAF1S. Name of the Borrower Facility Loan Amount (In Detail of Vehicle Whether New/used
No. Lakhs)

Mr. Nishant Khandelawal TL-Pushpaka Rs.5.00 For Purchase of four wheeler

SR REGIONAL OFFICE OBSERVATIONS

……. GENERAL POINTS……….

(BRANCH TO CONFIRM) Yes No Other Remarks if necessary

1 Compliance onKYC √

2 Satisfactory CIBIL Reports are available √ CIBIL report is generated and the same is satisfactory.

3 Borrower is on RBI’s Defaulter List Branch to confirm

4 Having held satisfactory report of the other Bank, if any NA

5 Income /50% take home income criteria as laid down in the √

scheme stands complied with.

6 Authentic proof of income is held √ Branch to obtain authenticate proof of income mentioned in the
note.

7 Correct Interest Rate as applicable, is applied √ RLRR +Spread i.e 7.55 Presently

8 Applicable Margin is held √

9 Repayment period as per scheme is applied √

10 POST DISBURSEMENT Inspection conducted & report is held √ Branch to ensure to conduct Post Sanction inspection.
on record

11 Having held supplier’s Invoice √ Branch to keep record of supplier’s invoice and bills.

12 Branch to have held copy of RC with bank`s name as Financer. Branch to ensure to take copy of RC book from borrower and
ensure that Bank’s name is entered in RC as financer.

Insurance Cover is held of the vehicle for 100% of its value with √ Branch to ensure to insure the full value of vehicle and take copy of
Bank’s Clause insurance Policy and keep it with the documents and also ensure to
13 renew it as and when required.

14 Having held F-347/ F-349 complete in all respects √ Branch to ensure

15 Compliance of all sanction terms and conditions and perfection √ Branch to ensure that all documents held perfect in all respects.
in all document

16 Processing charge or other charges recovered √ Branch to ensure to recover all charges from applicant

17 Scrutiny Available √

…………..SPECIFIC OBSERVATIONS……….
 i. Branch to verify that the proposal is satisfactorily complying with 50% norms.
ii. Branch to confirm that valid quotation/proforma invoice containing details of the assets and name/
address/GSTIN of the dealer/supplier of machinery/equipment to be purchased out of loan amount
is submitted by the borrower and genuineness of the same is verified by branch.
iii. Disposal of loan proposal by branch manager is must.
iv. All other terms & conditions as applicable in this kind of loan as per various bank norms are
to be complied with.
Branch to ensure that latest sanction advice (Ref: bank’s circular no. MISC/167/2017-18 dated 29.06.2017) is
advised.

We may advise the branch to take note of the above and confirm compliance.

Nidhi Singh A P Gupta

Senior Manager Chief Manager

Rishi Singh
Senior Regional Manager

INDIAN OVERSEAS BANK

REGIONAL OFFICE
VARANASI
REVIEW OF CAF 1
BRANCH: Pratapgarh Scale- II, MONTH: June 2020 DATE: 29.08.2020

Sr.No Name of Borrower Facility Loan Amount Purpose

(Rs. In Lakhs(
1 M/s A Star Orthocare 0.95

2 M/s Pushpa Enterprises 4.00

3 M/s Shukla Agency 0.76

4 M/s Sentor Orthopatic 2.80

5 M/s Akhilesh Invertor Services GECL 0.80 GECL

6 Mr. Santosh Kumar Dubey 0.345

7 M/s Pratap Ent Udyog 2.30

8 M/s Panna Welding & Safety Products 3.70

9 M/s Uphar Grih 1.45

10 Mrs. Shaini Singh 0.79

11 M/s Rajneesh Surgical & Medical Agencies 1.97

Name of MLI Credit Facilities O/s as on 29.02.2020

4.79
20.11
3.80
14.03
4.04
1.74
11.50
18.60
7.28
Existing FB Credit Facilities across IOB Composite Loan Under 3.97
all MLIs MYSY 9.85

Eligible Amount Sanctioned Amount

0.95 0.95
4.02 4.00
0.76 0.76
 2.80 2.80
0.80 0.80
Eligibility Of Loan Amount 0.348 0.345
(20% of combined FB O/s across all MLIs
2.30 as 2.30
3.72 of
on 29.02.2020 or 25% of delegated power 3.70
branch whichever is less) 1.45 1.45
0.79 0.79
1.97 1.97
Repayment period 36 EMIs(max) with 1 year moratorium on Principal Amount

Compliance on eligibility under the scheme

 Overall O/s of the borrower across MLIs upto Yes
Rs.25.00 Cr
 GST registered or exempted from GST Registration Yes
 SMA Status (DPD of the borrower should be upto 60
days across all MLIs) Yes
 IRAC status (Only SMA-0 & SMA-1 accounts)
Yes
Purpose To meet operational liabilities
Whether Security stipulated is as per the guidelines Yes, additional WCTL facility shall rank as 2 nd charge with the
existing credit facilities in terms of Cash flows & Security
Whether third party guarantee stipulated 100% coverage with NCGTC
Comment on financials Not required
Whether branch has exceeded the powers No.
(Lower of 25% of Delegated power of branch & 20%
of overall FB exposure)
Whether pre sanction inspection conducted Yes

Whether charge creation of the assets created Charge on assets to be created under the scheme to be created
offered as security credited. within 3 months from the date of disbursal
Whether CIBIL report on the borrower/ guarantor Obtained
obtained or not.
Whether Interest Rate applied is as per the circular Yes, RLLR + 1.00%

CAF scrutiny sheet and latest sanction advise NO

forwarded

DEPARTMENT OBSERVATION:
 Branch to obtain undertaking letter from the borrower for utilization of funds in respect of Working capital
purpose & not for any speculative purpose.
 Branch to ensure the end use of the loan facility by conducting post sanction inspection
 Branch to closely monitor the account.
 Branch to ensure safeguard of Primary securities in respect of credit facility granted in good and enforce -
able condition.
 Branch to ensure that there is no multiple financing on extending the WCTL.
  Branch to ensure that interest is serviced during moratorium period of 1 year.
 Branch to ensure deduction of overdue charges for the overdue period.
 Branch to ensure either through a stipulation in an agreement with borrower or otherwise, that the bor-
rower shall not create any charge on the security held in account covered by the guarantee, with itself or
in favour of any other creditor(s) without intimating the trustee company.
 Branch to ensure either through a condition in an agreement with borrower or otherwise, that the right to
list the borrower’s name and particulars in the website of Trustee company, in case of default, if any.
 Branch to ensure registration of charge with CERSAI for movable assets.
 Branch is also advised to be guided by CO Master Circular No 50-of 2019-20 dated 25.10.2019 issued by
Law Dept for obtaining documents for RLLR linked loans.
 Branch to ensure opening of the account in proper GL code mentioned in CSSD circular vide memo no
Adv/36/2020-21 dt 08.06.2020 for 100% coverage with NCGTC.
 Branch should obtain CIBIL report of borrower and ensure the overall fund based O/s of the borrower re -
flected in CIBIL report across all MLIs is as per GECL guidelines.
 Branch to ensure other conditions of LPD are adhered to.
 All other terms & conditions as applicable in this kind of loan as per bank’s norms to be
complied with.

Nidhi Singh A P Gupta

Senior Manager Chief Manager

Rishi Singh
Senior Regional Manager