SME SMART SCORE
LOAN APPLICATION FORM

Please fill up this form only if the answers to all the following questions are “YES”
1. Whether the chief promoter / Chief executive is between 18 and 65 years of age
2. Whether the promoters are not defaulters to the banks financial institutions.
3. Whether all the clearances including but not limited to environmental clearance for
the project has been obtained / satisfactory evidence of their being made available
will be provided?
4. Whether the promoters being to the area of operation of the branch and have
satisfactory references?
General :
Name of the Company / Firm
Address (off.) (If factory and office are having different Addresses, Give the Address
Nearest to the branch First)
Plot/Building/Plat Name and Number
Street Name
City
Telephone No
Mobile
Fax:
Address(factory):
Plot/Building/Plat Name and Number
Street Name
City
Telephone No
Mobile
Fax:
Loan Applied for
Purpose of the Loan
When and how the loan will be
repaid?
PERSONAL DETAILS OF THE CHIEF PROMOTER / CHIEF EXECUTIVE
Name of the Chief / Promoter / Chief
Executive
Residential Address:
Plot/Building/Flat Name and Number
Street Name
City
Telephone No
Mobile
Fax:
What is your date of Birth?
Let us know about your family:
i) Are you married?
ii) What is your spouse’s occupation? Business
iii) How many children do you have?
Your house Owned Rented
What is your academic qualification? Is it related to your line of trade?
Are you assessed the Income-Tax
Your Account Number / How long are you having deposit account with SBI? What
would be the minimum balance in the account?
Do you have a life insurance policy?
I certify that all incorporation furnished by me / us is true correct and complete. I have no
borrowing arrangement for the company / firm with any bank except so indicated in the
application form. There are no over dues / statuary dues by me or the firm / company. No
legal action has been taken against me / firm / company. I shall furnish all other
information that may be required by Bank in connection with my application. The
Information may also be exchanged by you with any agency you may deem fit you, your
representative of any other agencies as authorized by you may at any time inspect / verify
my / our assets, books of account etc. In our factory business premise as give above. You
may take appropriate safeguards / action for recovery of bank’s dues including
publication of distributors name in website/ submission to RBI. I further agree that my
loan shall be governed by the rules of State Bank of India is may be in force from time to
time.
Place :
Date : Signature of Chief Promoter / Chief Executive
BUSINESS DETAILS
Year of commencement of business
State the profit / loss for the last 3 financial years
Year 1 Year 2 Year 3
State the sales turnover for the last 3 financial years
Year 1 Year 2 Year 3
Tell about your factory premises
Owned
Rented
Leased for over 5 years
Tell us about your product
How do you plan to produce it?
Does the product require special know how? If so, are you in possession of the know
Whether your line of activity falls under priority sector?
What are raw materials required?
How do you plan to produces them? Are they available on credit? If so what are the
terms of credit?
How do you plan to ensure the quality of your product? Any special steps being taken?
What about the utilities like water power etc? Please describe the requirements and
how are they met?
Whether you need skilled labour? Please describe your plants for skilled labour?
Any special reason to locate your business at the present location? Is there any
advantage in procuring the raw materials locally? Is the local market big enough to
subscribe the finished product of your firm? Any other advantage?
Manufacturing process in brief
What the level of competition for the product? How do you plan to meet the
competition?
Give the total outside liabilities for the last 3 years and your tangible network
PARAMETER 2003-2004 2004-2005 2005-2006
Total outside liabilities
Tangible net worth
(including loans from
friends and relatives)
TOL / TNW
What is the quality of your receivables? How many months’ sales do they represent?
Can you give an ageing of your receivables?
AGE AMOUNT PERCENTAGE TO
TOTAL
Less than 1 months old
1 to 2 months old
2 to 3 months old
More than 3 months old
Total percentage
What is the quality of your finished goods inventory? Are they sold against order / as
and when produced? Are they kept in stock for long? How many months’ sales do they
represent?
What will be the time period between procurement of raw materials to realization of
sale proceeds? Can you cut short the cycle without increasing your liability?
Give the details of cost and the means of finance for your project
ITEM WHY DO YOU
NEED TO
PURCHASE
THE ITEM?
WHAT IS
THE BASIS
OF YOUR
COST
COST OF
THE ITEM
HOW DO YOU
PROPOSED TO
ACQUIRE PROCURE
THE ITEM
Land
Building
Machinery
Other Items
What are the means of finance?
MEANS AMOUNT FIVE DETAILS (BANK
SHOULD BE SATISFIED
ABOUT YOUR ABILITY TO
PROVIDE THE MARGIN)
From own sources
Bank loan
Friends and relatives
Others
Total
Has the project been vetted by consultancy cell of the Bank or consultants of repute?
Give details
What is the repayment period you are looking for the term loan? What will be the
annual cash accruals? What will be your liability towards payment of installments and
interest on term loan in a year? Whether the cash accruals will be sufficient to take
care of the repayment liability?
Anything else you would like to tell about your business
What is the collateral you would be able to offer? GIVE DETAILS
ITEM VALUE BASIS
TOTAL
Please tall us about your future plans
What is the level of sales you are projecting? Briefly describe the basis
What is the level of receivables you are expecting in terms of month’s sale?
What is the level of furnished goods inventory you are expecting to maintain in terms
of month’s sale?
I certify that all information furnished by me / us is true, correct and complete. I have no
barrowing engagement for the company / firm with any bank except as indicated in the
application form. There are no overdues / statutory dues owed by me or the firm/company.
No legal action has been taken against me / us firm / company. I shall furnish all other
information that may be required by Bank in connection with my application. The
Information may also be exchanged by you with any agency you may deem fit. You, your
representatives of any other agencies as authorized by you may at any time inspect / verify
my / our assets, books of account etc. in our factory business promises as give above. You
may take appropriate safeguards/action for recovery of bank’s dues including publication of
defaulters’ name in web site/submission to RBI. I further agree that my loan shall be
governed by the rules of State bank of India as may be in force from time to time.
Place: For and on behalf of the company
Date: Signature of Chief Promoter / Chief Executive