Small Business Banking Form 16062017

[Pages:6]Type of Facility

Small Business Banking

Unsecured Product Business Loan Unsecured OD Quick OD Others

Rs. In Lakhs

Secured Product Secured OD Cash Credit Secured Term Loan CGTMSE Standup India LCBN Merchant Loan Others

Tenure (Months)

NFB LC BG LER Buyer Credit Others

Purpose

Label Code

A. BUSINESS DETAILS (FIELDS IN RED REPRESENT MANDATORY FIELDS)

Account No. /(s)

Udyog Aadhar No Pan Card Date of Incorporation

D D MM Y Y Y Y

Whether the MSME unit is ZED rated

Office

Residence

Factory

Permanent

Yes

No

If yes, the gradation obtained by the MSME unit (Tick appropriate one)

Bronze

Silver

Gold

Diamond

Platinum

B. INDIVIDUAL APPLICANT / CO-APPLICANT / PROPRIETOR / PARTNER / DIRECTOR / OTHER DETAILS Individual Applicant/ Co-Applicant -I / Partner - I/ Proprietor / Director I / Other - I (__________________)

Spouse Name

Co-Applicant / Guarantor Photograph

Mothers Maiden Name

CKYC No. PAN Card Passport No./ Voter ID Driving Licence/Others

Others (__________________)

PIO/OCI Existing Cust ID

Passport No./ Driving Licence. Expiry Date

( (

Community

Hindu Muslim Christian Sikh Buddhist Zoroastrian Parsi Jain Others

( (

( (

Permanent Residence Address

Relationship With Applicant

Gurantor Beneficial Owner Authorised Signatory

Category Education Maritial Status

SC Matricuate Unmarried

ST

Undergraduate

Married

Others

OBC

General

Graduate Postgraduate

Number of Dependents

CO-APPLICANT - II / PROPRIETOR - II / PARTNER- II / DIRECTOR II / OTHERS II DETAILS Co-Applicant-II / Partner-II / Proprietor/

Others _________________

Professional

Others _________________

Person With Disability

Yes

No

Director II / Other II (__________________)

Co-Applicant / Guarantor Photograph

Mothers Maiden Name CKYC No. Passport No./ Voter ID Driving Licence/Others

Community

Others (__________________)

PIO/OCI Existing Cust ID

Passport No./ Driving Licence. Expiry Date

( (

Hindu Muslim Christian Sikh Buddhist Zoroastrian Parsi Jain Others

Permanent Residence Address

Relationship With Applicant Category Education Maritial Status

Gurantor Beneficial Owner Authorised Signatory

SC Matricuate Unmarried

ST Undergraduate Married Others

OBC

General

Graduate

Postgraduate

Number of Dependents

Others _________________

Professional

Others ____________

Person With Disability

Yes

No

C. FINANCIAL/INCOME DETAILS/ITR INCOME/PAST PERFORMANCE/FUTURE ESTIMATES

Financial Year

Year

Turnover (Rs. in Lacs) Profit as per P & L ( Rs. in Lacs)

Capital (Net Worth Installed Capacity Utilized Capacity

in case of companies)

Past Year II

20 - 20

Past Year I Provisional Present Year (Estimate)

20 - 20 20 - 20 20 - 20

Next Year (Projections)

20 - 20

Fill below details for Cash Credit limit

Cash Credit

Sales

Working Cycle in months

Projected

Inventory

Debtors

Creditors

Other current assets

Promoters Contribution

D. EXISTING LOAN DETAILS / FACILITY DETAILS

Loan

Bank Name

Type of Loan Account No. Loan Amount EMI Loan Opening Date

Tenure

ROI

Security Outstanding

As on

1

2

3

4

E. DETAILS OF ASSOCIATES/GROUP ENTITITIES (IN LAKHS) DETAILS AS ON...............................

Name of Existing Exposure Year Of the entitiy Customer (In Lac) Incorporation

ID (If Any)

Nature of Business

Net Sales/ Net Net Total Income Profit Worth

Address of Associate Concerns

Presently Nature of Extent of Interest as a

Banking Association

Prop./ Partner/

With

Director or Just Investor in Associate Concern

F. BANKING DETAILS

S. No. 1 2

Name of the Bank

Branch

G. STATUTORY OBLIGATIONS: Statutory Obligation: Remarks( Any details in Connection with the relevant obligation to be given) Whether Complied with (select Yes /No). If not applicable then select N. A.

1. Registration under Shops and Establishment ACT

Yes/ No/ NA

2. Registration under MSME (Provisional /Final)

Yes/ No/ NA

3. Drug License

Yes/ No/ NA

4. Latest Sales Tax Return Filed

Yes/ No/ NA

5.Latest Income Tax Returns Filed

Yes/ No/ NA

6.Any other Statutory dues remaining outstanding

Yes/ No/ NA

H. SECURITY DETAILS

(a) Primary Security

Type of Security

Value as on date (in lacs)

Stock

Book Debts Others _______________

(b) Liquid Collateral

Type of Security (LIP, KVP, NSC, Fixed Deposits) 1. 2. 3.

Relationship with Borrower

Value as on date (in lacs)

Account Number Banking Since

(c) Other Collateral Type of Collateral

Letter of Credit (LC)

Bank Guarantee (BG) Stand by Letter of Credit (SBLC)

Value as on date (in lacs)

(d) Property Collateral

Type of Security

1

2

(Immovable Property)

Type of Property Name of Registered owner Relationship Borrower Property Address

Area (in Sq. ______ ) Age of Property (in yrs) Market value as on date (in lacs)

(e). In case of Term loan Requirements, the details of Assets may be given as under :

Type of Assets

Purpose for which

required

Imported / Indigenous

Name of supplier

Total cost of Assets

3

Contribution made by the promoters

Loan required

*In case of imported machine, the breakup of basic cost, freight, insurance and custom duty may be given. I . REFERENCE DETAILS ( BUSINESS REFERENCE )

Relationship with applicant / co-applicant (Customer, supplier, Competitor)

Relationship with applicant / co-applicant (Customer, supplier, Competitor)

/ Reference II

/ J. INFORMATION ON OTHER PRODUCTS AND OFFERINGS

K. INFORMATION ON SUBSIDY

TUFS

CLCSS

IDLSS

FPTUFS

Others _____________ Value of Asset Rs. _______________

To be handed over do the customer

ACKNOWLEDGEMENT FOR RECEIPT OF APPLICATION FORM

Axis Bank has received your application for a Small Business Banking /Facility of Rs .______________

Axis Bank will convey its decision (within 2 weeks for credit limit up to Rs. 5 lakh and within 3 weeks for credit limit above Rs. 5 lakh and up to Rs. 25 lakh for Micro & Small enterprises borrowers) and (within 30 working days for other borrowers) from the date of receipt of the application provided the application is complete in all respects and is submitted along with all the documents as per 'check list' provided in the application for loan and/or any additional documents as may be required by the bank for proper appraisal of the application. The computation of timelines shall starts from the day on which all documents required for a proper appraisal of the application are provided by the Customer to bank.

Signature of Sales Manager Sourcing Channel (ASL/DSA/etc.)

1.Last 2 years Audited /CA certified financial statement 2.MOA & AOA of Company / Partnership deed of Partnership firm 3.Six Months Bank statement 4.KYC Documents Note : Additional document may be required for Credit assessment

1.Executing Facility related documents 2.Executing security creation documents and submitting original security documents. pliance of Sanction terms and other conditions as may apply. Note : Additional documents may be required as per Sanction term

L SPECIFIC CUSTOMER DISCLOSURE IN RESPECTIVE OF RELATIONSHIP WITH DIRECTOR/SENIOR OFFICER OF THE BANK /ANY OTHER BANK

1 2 3 4 5 M PRIORITY SECTOR CATEGORY / MSME

Upto INR 25 lakh (Micro)

Upto INR 10 lakh (Micro)

Value of Plant & Machinery Rs. Above INR 25 lakh upto INR 5 crore (Small)

Value of Equipment Rs. Above INR 10 lakh upto INR 2 crore (Small)

Above Rs. 5 crore upto Rs. 10 crore (Medium) Above Rs. 2 crore upto Rs 5 crore (Medium)

N. DETAILS OF PARTNERS / DIRECTORS

Name of Complete Partners/ Residence Directors Address of company/ Proprietors

Father/ Spouse

DOB

Aadhar No. PAN No. Category Telephone Contact

/DIN No.

SC/ST/OBC/ No.

Details

Minority/ (Residence)

Women

Age

Profit

Academic Experience

(in years) Sharing/ Qualification in the line

Shareholding %

of activity

(Years)

O. GST DETAILS - BUSINESS (For Individual fill Annexure)

Whether registered under GST

Y

N

GST Registration

Single

Multiple

Special Economic Zone

Y

N

GSTIN (Default)

GST Exemption

Y

N

Address registered for GSTIN

Same as Ofce Address

Registration Date: D D M M Y Y Y Y (Please fill GST Annexure for multiple GST Registration) SEZ Code(If Yes) _____________________________

Exemption Reason(If Yes) _____________ Exemption Valid Till : D D M M Y Y Y Y

Same as Factory Address

As given below

RA/SBB/App. Form/ Feb 18 /Version 7.0

DETAILS OF CHARGES *

Sr.NO Nature of fee / charges

1

Processing Fees

Cash Credit

Overdraft

Upto 1.25% +Taxes applicable Upto 1.25% +Taxes applicable

Merchant Loan

Secured Term Loan

Unsecured Business Loan

Upto 2.00% +Taxes applicable Upto 1.25% +Taxes applicable Upto 2.00% +Taxes applicable

2 Non Refundable Login Fee Rs. 5000/- + Taxes applicable Rs. 5000/- + Taxes applicable

NA

Rs. 5000/- + Taxes applicable

NA

3

Stamp Duty & other statutory document charges

As per applicable laws of state

As per applicable laws of state

As per applicable laws of state

As per applicable laws of state

4

ROC ling charges

Rs. 1200/- +Taxes applicable Rs. 1200/- +Taxes applicable Rs. 1200/- +Taxes applicable Rs. 1200/- +Taxes applicable

Non submission of stock

2% +Taxes applicable of the outst

5

NA

NA

NA

statement

anding amount from the date of default

Non submission of 6 property/stock insurance

2% Additional rate of interest 2% Additional rate of interest

on the amount outstanding

on the amount outstanding

NA

2% Additional rate of interest on the amount outstanding

As per applicable laws of state NA NA

NA

Cheque book

First 100 leaves free (for new

First 100 leaves free (for

First 100 leaves free (for new

7 issuance charges

borrower account) and

new borrower account)

borrower account) and

NA

NA

thereafter Rs 2/- per leaf

and thereafter Rs. 2/- per leaf

thereafter Rs 2/- per leaf

8

Cheque Bounce

Rs. 500/- per instance +Taxes applicable Rs. 500/- per instance +Taxes applicable Rs. 500/- per instance +Taxes applicable Rs. 500/- per instance +Taxes applicable Rs. 500/- per instance +Taxes applicable

9

Penal Interest

2.00% p.a. additional on existing Rate of Interest

2.00% p.a. additional on existing Rate of interest

2.00% p.a. additional on existing Rate of interest

2.00% p.a. additional on existing Rate of interest

2.00% p.m. on the amount of overdue installment

10

RS. 150 + Taxes applicable RS. 150 + Taxes applicable

RS. 150 + Taxes applicable

RS. 150 + Taxes applicable RS. 150 + Taxes applicable

11

CERSAI charges per collateral

Rs.100/- + Taxes applicable Rs.100/- + Taxes applicable Rs.100/- + Taxes applicable Rs.100/- + Taxes applicable

NA

"Goods and Services tax (GST) will be charged extra as per the applicable rates, on all the charges and fees (wherever GST is applicable)"

P. CUSTOMER DECLARATION

address.21. It is certified that our unit has not availed any loan from any other Bank / Financial Institution in the past and I am not indebted to any other Bank / Financial Institution other than those mentioned in above columns. 22. I/We authorize Axis Bank to verify and authenticate my/our Aadhaar number during processing my/our application for legitimate Business purposes. 23. I/We further authorise the Bank to share my Aadhaar related details/information with regulatory / statutory bodies as and when required.

1. Axis Bank will convey its decision (within 2 weeks for credit limit up to Rs. 5 lakh and within 3 weeks for credit limit above Rs. 5 lakh and up to Rs. 25 lakh for Micro & Small enterprises borrowers) and (within 30 working days for other borrowers) from the date of receipt of the application provided the application is complete in all respects and is submitted along with all the documents as per 'check list' provided in the application for loan and/or any additional documents as may be required by the bank for proper appraisal of the application. The computation of timelines shall starts from the day on which all documents required for a proper appraisal of the application are provided by the Customer to bank.

/ facility

As per RBI guidelines, classification of accounts as NPA is done Borrower wise and not Facility wise and hence, it may be noted that in case of non-payment of dues by the customer in case of any facility availed from the Bank and consequently the account is to be classified as NPA, all other loan accounts of the Borrower/Card Holder, with the Bank also shall be classified as NPA as per the guidelines issued by RBI and it shall entitle the Bank to recall all such loans/facilities availed by the same customer from the Bank irrespective of the regular repayment in such accounts

Applicant Signature

Co-Applicant -I / Partner-I Proprietor / Director

Co-Applicant -II Partner II / Director II

Co-Applicant -III Partner III / Director III

Q. SOURCING DETAILS (for Official use only)

Direct

Corporate Linked Open Market

MAB

Connector

Digital Circle

Others ______ (Please Specify)

Sampark

Vistaar

Vistaar +

Further options of Digital Circle

SMS

Email

Inbound customer service

DSA Code :

DSA Name :

TL Code :

Corporate Name

Mobile

Internet Banking

Remote Banking RM.

Web Leads ATM

Corporate Scheme label

Telecalling

Fulfilment Channel:

SBB SM's Vistaar branches

Vistaar + branches ARM

MAB

Other

AXIS Bank Relationship Manager : Referrer Branch Name : Ref ID : / CRM ID Account Opening City Account Opening Branch Name Account Opening Branch Sol ID

Signature of Sourcing Channel

Documents Received Certified KYC VERIFICATION CARRIED OUT BY

FOR BANK USE ONLY

Emp. Name

: _______________________________________________

Emp. Code

: _______________________________________________

Emp. Designation

: _______________________________________________

Emp. Organisation & Code : _A_X_I_S_B__A_N_K__L_IM__IT_E_D__,0_0_1___________________________

Emp. Branch

: _______________________________________________

Place : ______________________

Date : D D M M Y Y Y Y

(Employee Signature)

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