PD REPORT_Applicant Name_Location_ALC name_ Date of report

Home Loan/Loan Against Property :- Balance transfer/Top up

PERSONAL DATA
Applicant Co-Applicant
Name
Date of Birth
Qualifications
Current Experience
Overall Experience
Profile (Trading
/Manufacture.
/Service)
Residence Address

Residence Status Self owned/Rented

Residing Since
Residential Area Carpet Area:-
(Sq.ft.) Built - up :-
Purchase Cost :-
Residential Value Agreement Value :-
(Rs.) Market Value :-
Rental p.a.(If Rented Property):
Name Relation Earning/Dependent
Family Background

BUSINESS DATA

ASBS & Co. Income Sources:

Observations
Particulars Applicant Co-Applicant
Turnover (Rs.) -
Entity -
Gross Margin (Rs.) -

Net Margin (Rs.) -

Director’s /Partner
Salary(Rs.)
Share of Profit(Rs.)

Others Income (Rs.) -

Total Earning (Rs.) -

Page 1 of 7
 Assets Backing:
 Applicant and co-applicant have total Assets & Investment backing Rs.
___approx. (For the detail of assets please refer “Assets Head +
Investment” below)

Existing Commitments:
 Applicant has an EMI commitment (incld. CC/OD interest) of approx. of

Particulars Ratio (In Percentage)

Loan To Property value
EMI Commitments To Total Earning

1.Proposed EMI at _% for 20 years on_ comes to _p.m.

(HL @ 8.50% , LAP 11.25%)

Business Profile  History of Applicant:

- Points: how he starts, how much invest & mode of arrangement.

 Business Process:
- Regular Business Profile.
- Monthly Consumption

 Present value of business set-up:

- How much net worth of the entity at presently i.e. total of Assets side.
(fixed assets + investments+ Net loan given + stock + debtors + Balance -
creditors)

 Regularity of Cash flow:

 Comment on Turnover as per Financial Statement, and Turnover

till date:

Year Turnover (Rs.) Profit (Rs.)

March' 19 (as
per F.S)
March' 19
(Actual)
April- Till
date
(Actual)

Page 2 of 7
  Comment on Trend of Business of last 2 years:
Don’t write just Growing, Quantify in terms of No. Of Clients, No. of
Employees, Consumption/Production etc.

 Future Projection:

Name of Entity
Type of Entity Proprietorship Concern / Partnership / Company / LLP / Professional
Age of Entity (Years) __ Years
PD Conducted with
Designation Proprietor / Partner / Director / Partner / Professional
Address Visited
(Office Address)
Vicinity (Here mention about the accessibility of area)
Ownership Self Owned/Rental (Amount)
Phone Number
Visit Date and Time 14th August 2019
00.00 am/pm

No. of Visits 1
Loan Applied (As
per Appl.Form)
Loan Amount (Rs.)
Loan Applied (As
per P.D)
In case of LAP/ If Commercial Property :- Ask all the details of mortgage property
Top Up purpose of
Loan. For Other purpose :-
Ask in detailed purpose like,
 Any working capital issues, Compare Debtors and creditor, Stock and
turnover
 If new product/Market area/Franchise/etc :- Then ask Revenue
projections as well per se turnover , Profit etc

Family Members in
Business
Generation First/Second Generation
Shareholding Pattern
of Ownership Entity Name. Name Share Holding (%)

Main use of
products/services
Documents seen 1) GST Certificate
Sales/Purchase/LL 2) Shop and Establishment Certificate (Ghumasta)
Documents /Any 3) Invoices
other 4) Rental Agreement
5) Others
Cities of
Representation of

Page 3 of 7
Business
Credit Period -
Provided to
Customers (Months)
Credit Period given -
by Suppliers
(Months)
Key Competitors to -
Business

No. of No. Of Employees Total Salary(Rs.

Employees Details Employees specified by P.A.)
seen applicant

FINANCIAL DATA

Monthly
Turnover (Rs.)
Annual
Purchase (Rs.) Monthly
Annual
Other Income (Rs.)
Major Expenses
Net Margin
(Percentage &
Value)
Business Assets :-

Personal Assets :-

Particulars Location Year of Area(in Status Market

/ Purchas sq.Feet) of Value(R
Company e property s.)
Name (Self
Assets in Value (Rs.) acquire
d/Paren
tal)

Debtors as on date Due >/= 6

(Rs.) Months
Due < 6 Months

Page 4 of 7
 Total

Average Debtor to Turnover Ratio:- (Avg. Debtors/ Average Turnover) :

Major Clientele
Sr. No Name of Client Contact No.
1
2
3

Creditors as on date
(Rs.)
Major Supplier
Name of
Sr. No Supplier Contact No.
1
2
3

Present Value of Stock :-

Raw Materials -
Stock Level as on W.I.P -
date(Rs.) Finished
Goods

Average Stock Turnover Ratio:- (Avg. Stock / Turnover) :-

Bank Name Branch Type Balance as on

date (Rs.)

Bank Account Details

Particulars Market Value (Rs.)

Investment

Type of Bank Loan Tenur EMI Outstanding Remark

Loan Details loan. Name. Amount e(Mon (Rs.) (Rs.)
(Rs.) ths)

Page 5 of 7
 Type of Bank Name Limit Average Interest Remarks
Facility (Rs.) Utilization Rate (%)
Credit Facility (Rs.)

GSTIN
DETAILS OF PROPERTY TO BE MORTGAGED

Name of the Builder

(If Under
Construction
Property)
Address of the
Property
Date of Purchase
Area (Sq.ft.) Carpet Sq. ft :-
Built up :-

Own Contribution
(In case of Home Purchase Value (Rs.)
Loan) OCR Already Paid
(Rs.) / Token
Amount
Balance OCR to be
paid (Rs.)
Eg. Gold, Shares, MF, Other Property,
Relatives, Friend, Fixed Deposit.
Source of Balance
If he says from business:-Then ask how,
OCR
since already blocked in debtors and even
ROI of Home loan is less than ROR from
business .

Purchase Cost :-
Value (Rs.) Agreement Value :-
Market Value :-
Occupied By
Observation noted at the time of visit and final recommendation

CIBIL Rating and Kindly Refer CIBIL Rating.

Comments
1.Business Plate name seen:
Other Observation
2.Activtity Seen:
(Yes/No)
3.Employees Seen: Yes/No/NA

Page 6 of 7
 4.Customer Seen: Yes/No/NA + No. of Customers
5.Stock seen:
6. During Visit : (Here Mention about actual scenario that u observed during
visit i.e. what was applicant doing when u entered, what were employees
engaged in, how many customers u saw during visit, how many PCs , how
many laptops, how many labour movement eg:- in APMC etc.)
7.Third Party Check :-

Name of Shop/Person/Residential Flat no. I and Positive/Negative

Name of Shop/Person/Residential Flat no. II and Positive/Negative

No Watchmen
8. Screenshot of CCTV of premises other than Visited :- Yes/No/NA
9. Behaviour of applicant : (Whether Rude/Co operative/ Reluctant in sharing
financials etc)

Disclaimer Clause:-

The above data and explanation are based on the information provided to us during the course of the
visit. This report (including any attachments) has been prepared on the basis of verbal information
provided by the person contacted. Bank will be solely responsible for any actions taken on this report
and any liabilities directly or indirectly accruing from such actions. ASBS & Co. will not be held liable in
any case.

For ASBS& Co.

Chartered Accountants

Authorised Signatory
Date:- Date of Report send to ALC

Prepared by :-
Name :
Contact No :
Reviewed by :-
Name :

Photographs
1) Photo of Stock (Covering all stock)
2) Photo of employees (Covering all Employees)
3) Photo of Business Set up
4) Photo of Business name Plate / Residential Name plate
5) Photo of Documents if any

Minimum 12 Photos , per page 4-6 properly organised.

Page 7 of 7