NEOCON INDIA
A-6, FIRST FLOOR, INNER CIRCLE, CONNAUGHT PLACE, NEW DELHI-110001
CHECK LIST – FOR CREDIT PROPOSAL

GENERAL DOCUMENTS

  • MOA/Partnership Deed as applicable
  • CIBIL Report
  • Copy of PAN of the company/ firm/ proprietor.
  • In case of company, List of Shareholders and Holding therein.
  • In case of company, List of Directors, copies form 32 if there is any change in Directorship since incorporation.
  • Audited Financials for last 3 years with all schedules, directors’ report, audit report, Tax Audit Report, Income Tax Returns with computation of Income.
  • Provisional Financials or Key financial figures like turnover/profit/Bank loans outstanding, Capital etc. as on Year (current year).
  • Company Profile covering history of the company, management & key persons’ profile and achievements of the company etc.
  • Existing Bankers Sanction Letters, Repayment schedule of existing terms loans. In case of consortium banking, Lead Bank’s appraisal note to be provided.
  • Copy of Title Deeds in respect of prime/collateral securities to be mortgage. Give existing bankers legal and valuation reports, if possible.
  • Bank Account statement for last six months
  • Term Loan Account Statement for last one year.
  • List of Associate / Sister Concerns and Financials for the latest year and if there is any credit facilities availed by them the copy of the sanction letter.
  • Copies of all relevant licenses viz. SSI Registration Certificate, Sales Tax, Excise, Vat, Import/Export code, Registration of trade mark/ Patents.
  • List of Key management personnel and portfolio handled.
  • Purchases / Production / Sales / Exports month-wise for the current year.
  • VAT Returns from Year
  • Details of orders in hand / expected.
  • Detail of top 5 suppliers with purchase made from them in FY (current year) and contact numbers
  • Detail of top 5 customers with sales made to them in FY (current year) and contact numbers
  • Stock Statement for last 6 months.
  • CIBIL Report company & Director’s Individual

IN CASE OF MANUFACTURING COMPANY

  • Brief description of manufacturing process in case of manufacturing concerns.
  • Product wise Licensed, Installed and Utilized Capacity for last two year.
  • Pollution Control Certificate from relevant Pollution Control Board.
  • PERSONAL DETAILS - BORROWER/ GUARANTORS

  • Residence Proof and PAN Card all the Directors and Guarantors
  • Income Tax Returns with computation of income, Net worth statement (latest) of all the Directors and Guarantors.
  • Profile and Bio-data of Promoters/Directors/Key Management persons with details of, age, experience, qualifications and details of projects promoted etc.