Appraisal Note - APMC YEOLA

Protrack Proposal ID
Asset Classification Standard

Sector Indirect Agriculture
Credit Rating BOB 3 / FR 3 / CR 2 based
on Provisional Balance
Sheet of 31!32!11
"ield #2!1!$11%
Note submitted to The Chief Manager, SME Loan actor! , Nasik
Name of the "ccount "gricultural Produce Market Committee
,#eola
$ranch %algaon Neur
&egion "urangabad
'one Maharashtra ( )oa*
SECTI+N I , DET"ILS + T-E P&+P+S"L
.*/0 )ist of the Proposal,
.*.0
To consider sanction of fresh Term Loan for construction of &ural )odo1ns at #eola
Market #ard and at "ndersul Sub2 Market #ard and &e3ie1 of e4isting Term Loan
5 II , 1ith present balance outstanding for a period of 2.62 months , on the Terms
and conditions as per "nne4ure 5 D*
.*60 Increase in und $ased and Non und based Limits
#Rs in lacs %
E4isting Proposed
Fund Based li&its
'er& (oan ) I #Bridge (oan% *3++ $$
'er& (oan ) II *,1* 2-!!
'er& (oan ) III #Bridge (oan% $$ +-.!
'er& (oan ) I/ $$ 13.!!
0on$Fund Based (i&its $$ $$
T+T"L .78*79 66:*9/
.*;0 Sanction < &atification,
a* Modifications Not proposed
b* Concessions N*"*
c* &eference of e4isting sanction 1ate of sanction 1.!*2!1!
Authorit2 1R3#Pune%
1ue date for revie4 **.9*/:*6/..
================================================================
SME L+"N "CT+&# N"S-I>,
M<s "PMC , #eola *, %algaon Neur $ranch Page . of 69

6*/ $asic Data,
Sector Indirect Agriculture
Segment Agriculture
"sset Classification Standard
$ank?s Credit &ating BOB 3 / FR 3 / CR 2 based on Provisional Balance Sheet
of 31!32!11
E4ternal Credit &ating 0ot A55licable for the 5ro5osed e65osure
Constitution 3ar7et co&&ittee #AP3C8 "eola%
Date of Establishment 12!31*..
Location, &egistered +ffice 0agar$3an&ad Road "eola
#!2..*% 2+.!!+82+.,3+
actor!
0a&e of the 7e2 5erson for contact
and his address and 5hone
nu&ber/&obile
3r 9hairnar 1 C #Secretar2%
3o *,22-.+1-!
)roup 0A
Industr! and Nature of "cti3it! Co o5erative association/ co&&ission based agenc2
business
E4posure to Industr!
a0 Sectoral Cap for Industr!
b0 $ank?s E4posure on
c0 'one?s E4posure
d0 NP" @$ank0
e0 NP" @'one0
Collaboration < %*A* if an!
Dealing 1ith the $ank since 2-!: 2!!*
+ur $ank?s Share 1!!!! ;
&ate of Interest
a0 Term Loan
Securit! "3ailable
"3erage dra1ings during the
#ear 6/./2..
a0 Term Loan
#ield in the account
MaBor Inspection irregularities
Inspecting +fficer?s Comments $ranch Comments
PS& Cop! of appropriate
authorit! is not on record*
Sanction accorded b2 Regional Office
Credit &eport from NDCC $ank
Ltd* Not on record*
0o dues certificate on record
"udited financials not obtained* Since obtained
$ranch not 3erified income of
last ; !rs*
/erified
Aarious undertakings not Obtained
================================================================
M<s "PMC , #eola *, %algaon Neur $ranch Page 6 of 69

obtained*
Cndertakings from Director <
)uarantors that the! are not
relati3es of $ank?s Director <
Staff
Obtained
Concurrent "udit 0A
Internal "udit 0I(
&$I Inspection 0A
Statutor! "udit 0I(
"uditors of the irm
Dualification remarks of the
auditors
Pollution Clearance 0A
Ehether statutor! dues ha3e
been paid
"es
Ehether the names of the irm <
"ssociates or partners appear in
&$I defaulters? list and < or
caution list
RBI 1efaulters (ist dated 3!!*2!1! $ 0I(
RBI <ilful 1efaulters (ist dated 31122!1! $ 0I(
Ehether the firm<promoters and
their "ssociates are on EC)C
caution list < S*"* List*
0o
Compliance of earlier terms and
conditions including creation of
charge
All the ter&s and conditions of earlier sanction are
co&5lied 4ith as infor&ed b2 our =algaon 0eur Branch
6*/.0 $anking arrangement,
#Rs in lacs%
Name of the $ank
und based Non und $ased
F Share "mount F Share "mount
E4it Prop E4it Prop E4it Prop E4it Prop
Ban7 of Baroda $ $ $ $ $ $ $ $
T+T"L
;*/0 L+"NS &+M IN"NCI"L INSTITCTI+NS,
#Rs In lacs%
Name of the Institution< $ank Limit Present
+utstanding
E4cess <
+3er dues
Ban7 of Baroda ) >6isting *,1* 2-!!
Ban7 of Baroda ) Pro5osed Bridge
(oan
+-.! $$
Ban7 of Baroda ) Pro5osed 'er&
(oan for Construction of ?odo4n
13.!! $$
6*/G0 "n! reschedulement agreed @in last 2;2 !ears0,
================================================================
M<s "PMC , #eola *, %algaon Neur $ranch Page ; of 69

6*/90 Particulars of Partners<Directors,
@&s*in Lakhs0
Names of the Chairman < Secreatar! Net Eorth
. "rBun &aibhan >ale 68*89
6 $aburao )aBanan Somase .:*//
;*/0 Particulars of )uarantors,
@&s*in Lakhs0
Names of the Chairman < Secreatar! Net Eorth
. "rBun &aibhan >ale 68*89
6 $aburao )aBanan Somase .:*//

;*/0 $usiness e4perience of Partners,
'he directors are sons of soil of "eola and the2 are having vast e65erience of running the AP3C
'he chair&an in 4ell 7no4n in the "eola talu7a and in the 5ast he 4as 3(A of "eola 'he director
board has been elected recentl2 in last 2ear and the2 are cohesive and stable 3ost of the directors are
custo&ers of BOB including chair&an 'his co&&ittee #AP3C8 "eola% is one of the high net 4orth
co&&ittee #AP3C8 "eola% in 0ashi7 1istrict
;*/0 ISSCE +& C+NSIDE&"TI+N,
To consider sanction of fresh Term Loan for construction of &ural )odo1ns at #eola Market #ard
and at "ndersul Sub2 Market #ard and &e3ie1 of e4isting Term Loan 5 II , 1ith present balance
outstanding for a period of 2.62 months , on the Terms and conditions as per "nne4ure 5 D*

#Rs In lacs%
Nature of facilities
E4isting
Limit
Proposed
Limit
+utstanding
"s on
>6cess/
Over dues8
If an2
'er& (oan I #Bridge (oan% *3++ $$
'er& (oan II *,1* 2-!! 2-!!
'er& (oan ) III $$ +-.!
'er& (oan $ I/ $$ 13.!!
T+T"L CND $"SED .78*79 66:*9/
Inland ?uarantees $$ $$
T+T"L N+N CND $"SED 22 22
T+T"L .78*79 66:*9/
;*60 Modification in Terms ( Conditions, 0A
;*;0 Concessions, Not reHuested b! the committee
;*G0 Confirmation,
================================================================
M<s "PMC , #eola *, %algaon Neur $ranch Page G of 69

G*/0 $"C>)&+CND + T-E C+MMITTEE,
'he &ar7et co&&ittee #AP3C8 "eola% of "eola #hereinafter referred to as AP3C8 "eola%4as
established under Bo&ba2 Agricultural Produce 3ar7et Act 1*3* on 12!31*..'he 5ur5ose 4as to
regulate the 5urchase and sale of various Agril ProduceSince 1*.. the co&&ittee #AP3C8 "eola% is
in 5rofit
'he co&&ittee #AP3C8 "eola% has no loan liabilit2 fro& an2 financial institution and it is holding self
o4ned land at "eola and Andersul8 a nearb2 village fro& "eola 'he co&&ittee #AP3C8 "eola% has
its o4n sub &ar7et at Andersul and Patoda
0o4 the co&&ittee #AP3C8 "eola% 4ants to develo5 ?odo4ns for storage of agriculture 5roduce
under Central ?ovt Sche&e of ?ra&een ?oda& "o@ana
In "eola 'alu7a8 the cotton hectarage is near about ,!!!! AR and due to geogra5hical and cli&atic
advantage the cotton is e65ected to be one of the 5ri&e cro5s for the talu7a Onion is also one of the
&ain 5roduce of "eola 1ue to variations in rate8 the far&ers can store the onion 5roduce and sell it
4hen the rate is good Onion and cotton are the cash cro5s 4hich hel5s the far&ers to i&5rove its
inco&e
IN"NCI"L -I)-LI)-TS + )&+CP C+NCE&NS,
#Rs in lacs%
Name of the )roup concern
S"LES NET P&+IT NETE+&T-
6//72/: 6//:2./ 6//72/: 6//:2./ 6//72/: 6//:2./
0A
SECC&IT# C+AE&")E, 'he co&&ittee has offered follo4ing securities
#Rs in lacs%
Details of assets Date of 3aluation @&s*in
Lacs0
"* Primar! Securit!
================================================================

1 Building to be constructed at the
site
2 Other infrastructure for the
develo5&ent of site
#1etailed bifurcation is sub&itted
here4ith%
As 5er the 5ro@ect cost
sub&itted
2-!33
$* Collateral Securit!
>Buitable 3ortgage of (and
situated at ?at no -3./18 At and Po
Andersul8 'al "eola 1ist 0asi7
ad&easuring 2!: AR
As 5er valuation re5ort dated
!*!:2!11 b2 3r3uda7anna =
C
,22!!
situated at ?at no 13:8 13* and
1,! 8 At and Po Andersul8 'al
"eola 1ist 0asi7 ad&easuring 1+,
AR
!*!:2!11 b2 3r3uda7anna =
C
12,!!
situated at ?at no 13:8 13* and
1,! 8 At and Po Andersul8 'al
"eola 1ist 0asi7 ad&easuring *-.
AR
!*!:2!11 b2 3r3uda7anna =
C
1*3-!!
C* Total Securit! a3ailable @Primar! and Collateral0 689;*;;
'otal >65osure Term Loan 22*.!
'otal Securit2 Coverage Ratio #2-.333 / 22*.!% 11**
Total Securit! Co3erage, Total Securit! Co3erage is ..*:: , 1hich is satisfactor!*
Pre sanction appraisal,
1 I&&ovable 5ro5erties 5ro5osed as securit2 have been ins5ected b2 3r3uda7anna = C 8 Panel
/aluer 8 re5ort dated !2$!:$2!11
================================================================
M<s "PMC , #eola *, %algaon Neur $ranch Page I of 69

6* CI$IL reports of the borro1er<guarantors generated b! SMEL re3ealed no ad3erse
features*
3 /erified RBI 1efaulters (ist / RBI <ilful 1efaulters (ist dated 31122!1! re3ealed no
ad3erse features about Chairman < Deput! Chairman of the "PMC ,#eola*
, Ins5ection of 5ri&ar2 and collateral securities 4as carried out b2 the officials of S3> (oan
Factor28 0asi7
. 'he A P 3 C 8 "eola and Sub$&ar7et 2ard Andersul 4as visited b2 3r Anu@ Bhargava8 Chief
3anager S3>(F8 3r "eole7ar 8 3r Prashant Avhad8 Senior 3anager#Credit%8 S3>(8 3r
9aldate8 Branch 3anager8 =algaon 0eur Branch8 1ist $ 0ashi7 S3> officials had detailed
interaction 4ith 3rArun 9ale 8 Chair&an of the co&&ittee It has been observed as underC
$ A P 3 C 8"eola is second largest 3ar7et "ard for Onion in Asia ne6t to (asalgaon
$ 'he A P 3 C 8"eola is 5rofit &a7ing association 4ith strong financials
$ It is our e6isting custo&er of our =algaon 0eur <e have sanctioned 'er& (oan of
Rs1:-!! (a7hs for develo5&ent of &ar7et 2ard at Andersul under '3C Sche&e of
Central ?ovt Re5a2&ent of 'er& (oan instal&ent and interest is regular
I*/0 +T-E& IN+&M"TI+N ,
Dealing and conduct of the account 'itle search re5ort / legal re5ort is obtained fro& the ban7Ds
a55roved advocate for the 5ro5ert2 to be &ortgaged8 if so
give full detailsC +btaining title clear report from
empanelled ad3ocate is in process* Eill be obtained soon*
Documentation
Ehether proposed limits are 1ithin
$ank?s prudential single
borro1er<group e4posure norms
#es
Pro rata non fund business N*"*
Comments on utilisation of limits N*"*
Comments on credit rating BOB 3 / FR 3 / CR 2 based on Provisional Balance Sheet of
31!32!11
%ustification for the proposed rate of interest,
%ustification for the proposed concession in upfront fees,
Details of "ssociate < )roup Concerns<Cnits and their $anking arrangements,
#Rs in lacs%
Name of Cnit Name of $ank Term inance Eorking Capital
================================================================

0A
Ehether listed compan! 2 present market Huotation 2 96 1eeks high < lo1, 0A
+ur $ank?s in3estment in the firm , 0il
+ur e4posure to the captioned firm,
#Rs in lacs%
C(I "d3ance Priorit! Sector International Di3* SME T+T"L
22*.! $$ $$ 22*.!
Contingent liabilities,
8*/ %CSTIIC"TI+N < &EC+MMEND"TI+N,
1% 'he co&&ittee #AP3C8 "eola% is in 5rofit since ince5tion 0o loan liabilit2 is seen 'he co&&ittee
#AP3C8 "eola% has necessar2 funds to e6ecute the 5ro@ect
2% 'he directors are having 4ide e65erience in this line of activit2 'he directors are cohesive and
stable 'he2 are recentl2 elected and are the board 4ill re&ain stable for further five 2ears
3% Central ?ovt also has granted a subsid2 to the tune of Rs *3++ lacs to the co&&ittee #AP3C8
"eola%
,% 'he overall securit2 coverage is 11** for the Ban7Ds e65osure
.% 'he co&&ittee #AP3C8 "eola% is earning dail2 Rs 1!! lac co&&ission as the co&&ission/aadat
for transactions of Agri Produce
+% 0ashi7 district fulfils al&ost 1!!; of onion reBuire&ent of the countr2 and "eola talu7a is one of
the leading onion 5roducers in 0asi7 Onion is 5erennial and can be 5roduced in three different
seasons through out the 2ear All the transactions for onion ta7es 5lace at &ar7et 2ard ie AP3C
and hence the revenue generation is continuous
-% B2 constructing the sub &ar7et at Andersul for 4hich the '( is 5ro5osed8 it 4ill be one of the
&ain revenue sources of AP3C 'he 5ro@ect surel2 4ill increase the revenue as all the transactions
related to cotton and Onion 8 4ill hold 5lace in Andersul
:% 'he 5ro@ect is econo&icall2 viable All the financial ratios are satisfactor2
*% 'his Credit Rating is BOB 3 / CR 2 based on Provisional Balance Sheet of 31!32!11 8 4hich is
satisfactor2
1!% Our =algaon 0eur Branch has reco&&ended for 5ro5osed credit facilities
In vie4 of the above8 4e reco&&end the 5ro5osed credit facilities as 5er the anne6ure$1
================================================================

Submitted for consideration
#Prashant Av@ad%
Senior 3anager
S3> (F 0ashi7
EEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEE
#S ? "eole7ar%
Senior 3anager#Credit%
S3> (F 0ashi7
Comments of sanctioning authorit!,
================================================================
M<s "PMC , #eola *, %algaon Neur $ranch Page : of 69

Mo3ement chart,
Pro5osal received atC
a% S3> CellC
b% Additional infor&ation receivedC8
c% 0ote Sub&ittedC
Papers submitted 1ith appraisal note,
a% A55lication for& fro& the co&5an2 in 5rescribed for&at
b% C3A data F >sti&ated Balance sheet for ne6t Si6 2ears
c% Credit Rating Sheet
d% 1etails of 0et 4orth of the 1irectors and guarantors in for& no 13. / 11- A dul2 filled u5 and
signed
e% CIBI( Re5orts of the borro4er / guarantors
================================================================
M<s "PMC , #eola *, %algaon Neur $ranch Page ./ of 69

$"N> + $"&+D"
SME L+"N "CT+&#, N"S-I>
LE)"L C+MPLI"NCE CE&TIIC"TE
&e*, M<s $ranch 2 resh "d3ance Proposal for sanction of credit facilities aggregating &s*
66:*9/ lacs to " P M C , #eola*
C>R'IFI>1 'AA' 4hile e6ercising discretionar2 lending 5o4ers for sanction of the above credit
facilit2 for the ca5tioned account8 all the relevant guidelines8 regulations8 rules and la4s as a55licable
and reBuired to be 7e5t in vie48 have been co&5lied 4ith and all the due diligence has been
underta7en
Date , @"NC% $-"&)"A"0
Place, Nasik C-IE M"N")E&
C>R'IFI>1 'AA' 4hile 5rocessing the credit 5ro5osal for the ca5tioned account8 to be considered
b2 'he Chief 3anager8 S3> (oan Factor28 0ashi7 all the relevant guidelines8 regulations8 rules and
la4s as a55licable and reBuired to be 7e5t in vie48 have been co&5lied 4ith and all the due diligence
has been underta7en
@P&"S-"NT "A-"D0
SENI+& M"N")E& @C&EDIT0
SME L N"S-I>
SECTI+N II, IN"NCI"L P"&"METE&S "ND "SSESSMENT
.*/0 IN"NCI"L PE&+&M"NCEC
================================================================
M<s "PMC , #eola *, %algaon Neur $ranch Page .. of 69

#ear Last 6 !ears
audited
Pro3* Estimates ProBections
6//: 6/./ 6/.. 6/.6 6/.; 6/.G 6/.9 6/.I 6/.8
a0 $alance
Sheet
Data<Capital
Str
Paid up
Capital
a% >Buit2 Share
Ca5ital
b% Preference
Share Ca5ital 0A 0A 0A 0A 0A 0A 0A 0A 0A
Reserves F
Sur5lus #>6cl
Revaluation
reserves and
net of
intangible
assets%

.-3!1

-1,,:
:
3:*.
**
...

181.*-
,

183+1:
*

18.:-1
+

18:3*,
2

28123.+
'angible 0et
4orth

.-3!1

-1,,:
:
3:*.
**
...

181.*-
,

183+1:
*

18.:-1
+

18:3*,
2

28123.+
'er& (iabilities

3*1!

23-..
2
:,2-
3-
+.+

32,!+

2:33:

2,2-!

2,!!!

2.!!!
Capital
Emplo!ed I.6*.. :96*/;
..6;*6
6 .;86*..
.,G7;*7
/
.,IG9*6
8
.,76:*7
I
6,/8:*G
6 6,;8;*9I
0et Bloc7

.-,.1

-.+,!
:
.:+2
18!-
222

18!3.:
:

18!,!.
+

18!-+:
.

1813.3
!

182-+2!
Funds Invested
outside
Business

-1!

-!!

-!,

21!

22!

23!

2,!

2.!

2+!
Current Assets

*,2-

3!1!1
3
3-..
,1
323

.,*--

+*,**

:,2**

**.:-

1813++1
Current
(iabilities

+3--

1123:

-***
11
.,,

1!,!.

*2.:

*23:

.,2.

,1:.
0et Current
Assets/0<C

3!.!

1::+3
2
.-.+
2*
--*

,,.-2

+!2,1

-.!+1

*,1+2

18!*,-+
Capital
Deplo!ed I.6*.. :96*/;
..6;*6
6 .;86*.. .G7;*7/ .IG9*68 .76:*7I 6/8:*G6 6;8;*9I
b0 +perational
Data
?ross Sales
1
*--!
2
,232
2+!
.1 311!!
3-,
!!
,2.!
!
,-!!
!
.2.!
!
.*!!
!
(essC >6cise /
Sales 'a6 0A 0A 0A 0A 0A 0A 0A 0A 0A
0et Sales
1
*--!
2
,232
2+!
.1 311!!
3-,
!!
,2.!
!
,-!!
!
.2.!
!
.*!!
!
Of 4hich
e65orts 0A 0A 0A 0A 0A 0A 0A 0A 0A
================================================================
M<s "PMC , #eola *, %algaon Neur $ranch Page .6 of 69

3anufacturing
e65enses

,,31

..32
-:
:. *,,*
1!:
.*
12.:
,
1,22
1
1+2!
2
1:.3
+
Ad& F Selling
>65enses

3!:.

2-+.
3.
+1 ,2-3
.12
:
+1!
2
-32
2
:-:
+
1!23
+
1e5reciation

-:!

*:2
13
23 1+1:
1*+
1
1:*
:
1:3
*
1-:
,
1-.
.
Interest 5aid

$

+*!
-
+! 2!+,
2*-
1
1+,
-
1!,
+
,+
+
!3
3
0et Profit
before 'a6
112
+-
1,
1,-
12,,
- 13+2- 1+,1* 2!21. 22.2- 2.22+ 2:,1,
0et Profit After
'a6
112
+-
1,
1,-
12,,
- 13+2- 1+,1* 2!21. 22.2- 2.22+ 2:,1,
1ividend 0A 0A 0A 0A 0A 0A 0A 0A 0A
c0 Profitabilit!
&atio
0P/ 0et Sales
; .+** .:3: ,--: ,3:2 ,3*! ,-.+ ,-*3 ,:!. ,:1+
0et Profit / 0et
<orth ;

1*++

1*:!

1,:,
1
3+*

1,1+

1,:,

1,1*

13-1

133:
0et Profit /
total Assets
;

1*+1

1:-!

1,.!
1
2-1

1.:.

1*,3

2!*2

2222

222+
Current Ratio

1,:
2
+:
,
22 3.:
.
2:
-
.1
*
13
1:
3+
2-
1+
1/> Ratio
#'O(/'0<%

!1:
!
,*
!
,3 !,*
!
3-
!
2:
!
21
!
1+
!
1,
6*/0 C+MMENTS +N PE&+&M"NCEC
.* Sales< &eceipts,
'he Co&&ittee is getting fee inco&e fro& transaction occurred in the &ar7et 2ard as sale F
5urchase of agricultural 5roduce Average &onthl2 inco&e is about Rs 3.$,! lacs For the 2ear
2!!:$!*8 the co&&ittee has earned inco&e to the tune of Rs 1*--! lacs For the 2ear 2!!*$1!8
the co&&ittee has 5osted recei5ts to Rs 2,232 lacs 8 an increase of 22.-; over the 5revious
2ear recei5ts 'he co&&ittee has earned recei5ts of Rs2+!.1 (a7hs 8 an increase of Rs1:1*
(a7hs
Sales , Estimates<proBections
"ear 0et sales #Rs in lacs% ?ro4th rate
1 2!!:$!* 1*--! 1*3-;
2 2!!*$1! 2,232 22.-;
3 2!1!$11 2+!.1 -.1;
, 2!11$12 311!! 1*3:;
6* Net Profit,
================================================================
M<s "PMC , #eola *, %algaon Neur $ranch Page .; of 69

'he Co&&ittee has no &a@or e65enses e6ce5t regular Ad&inistration e65enses 'herefore8 the
5rofitabilit2 for 5ast 2$3 2ears is above .!; In ne6t t4o 2ears the co&&ittee has to 5a2 interest
for our 'er& (oan and to 5rovide 1e5reciation 'herefore the 5rofitabilit2 is 5ro@ected to above
,3; for ne6t 2 2ears 'hereafter the 5rofit &a2 be &ore than .!; of the recei5ts
Net Profit,
#ear 6//72/: 6//:2./ 6/./2.. 6/..2.6
"udited "udited Pro3isional Estimated
PA' 112+- 1,1,- 12,,- 13+2-
Sales 1*--! 2,232 2+!.1 311!!
PA' / Sales #;% .+** .:3: ,--: ,3:2
;* Net Eorth,
As 5er last Balance Sheet ie 2!1!$118 the '0< 4as Rs :3:*. lacs 'he co&&ittee has
5ro@ected to increase the '0< after adding bac78 total 5rofit bac7 into the business 'herefore8
actual F 5ro@ected '0< are at co&fortable level and denotes the sta7e of the co&&ittee in the
5ro@ect
G* &atios,
a0 Current &atio,
'he Current (iabilities &ainl2 co&5rises of de5osits received fro& various custo&ers and advance
5a2&ents 0o ban7 borro4ing is seen e6ce5t fro& our Ban7 On the other hand cash accrual is
on ver2 large side resulting into higher current ratio For 2!!*$1! 2ear the Current ratio 4as 2+:
and at ,22 for the 2ear 2!1!$11 res5ectivel2 'here is slight decrease for the 2ear 2!11$12 as
instal&ents of ter& loan are considered as Current (iabilities 'his is 4ell above bench &ar7 level
and can be acce5ted
b0 D<E &atio,
'0< of the co&&ittee is ver2 &uch stronger 0o loan liabilit2 or an2 &a@or outside liabilities are
seen >ven after8 the '( of Rs 22*!! lacs availed8 the 1> ratio never co&es above 1 'he
co&&ittee has sufficient funds to re5a2 our loan easil2
;*/0 "SSESSMENT + N+N CND $"SED LIMITSC
0ot reBuired b2 the co&&ittee #AP3C8 "eola%
&e3ie1 of Term Loan 5 II of &s*68*// Lakhs
'he AP3C 8 "eola has sanctioned a 'er& (oan of Rs*3++ (a7hs and 'er& (oan ) II of Rs*,1*
(a7hs for construction of Office 8 Cotton 3ar7et at Andersul 8 Puucca Roads 8 Par7ing 8 Sho55ing
co&5le6es at "eola 'he cost of Pro@ect 4as Rs221!! (a7hs
'he Ban7 has sanctioned Rs*3++ (a7hs as Bridge Finance and Rs*,1* (a7hs to develo5 cotton
&ar7et under Central ?ovt Sche&e of '3C #'echnolog2 3ission of Cotton%
================================================================
M<s "PMC , #eola *, %algaon Neur $ranch Page .G of 69

'he 'er& (oan ) I of Rs*3++ (a7hs #Bridge Finance% is closed after entire a&ount of subsid2 is
received and credited into the account
'he re5a2&ent of interest and instal&ent is regular and there are no overdues 'he AP3C is ver2 cash
rich and the2 are ver2 regular in re5a2&ent of interest and instal&ents <e therefore revie4 the
'er& (oan ) II 4ith 5resent balance outstanding of Rs2-!! (a7hs 8 for a 5eriod of 12 &onths on
the ter&s and conditions as 5er anne6ure )1
TE&M L+"N
@i0 Purpose, Fresh 'er& (oan of Rs2!2.! lacs for construction of Rural ?odo4n at A P 3 C 8
"eola and Andersul Sub &ar7et 2ard
@ii0 Summar! of cost of proBect and means of finance
#Rs in lacs%
Cost of ProBect "mount Means of inance "mount
For construction of ?odo4n under
Sche&e for Constcrution of Rural
?odo4ns of central ?ovt
2-!33 Ca5ital +-.!
$$ 'er& (oan fro& Ban7 of
Baroda #Regular 'er&
(oan %
13.!!
$$ 'er& (oan #Bridge
Finance %
+-.!
Total 68/*// Total 68/*//
@iii0 Sources of Promoters? Contribution and the time schedule as to 1hen the funds 1ill be
brought, 'he 5ro&oters shall induct their contribution u5front through their o4n sources
Interest on '( 4ill be 5aid b2 the 5ro&oters fro& o4n sources as and 4hen levied
@i30 Status of tie2up of loans, 'he co&&ittee has reBuested to sanction the entire '( of Rs 2!2.!
lac to our ban7
@30 $rief e4planation for each maBor indi3idual item of cost of ProBect 1ith present status
along 1ith comments on the reasonableness< competiti3eness
A% Land , 'he co&&ittee has its o4n land at "eola and Andersul
B% $uilding, 'he co&&ittee 4ant to construct follo4ing C
Sr*
No*
Name of the Machine Supplier Name < Make Cost of
Machine
@&s* In Lacs0
1 Construction of .!! 3 'on ?odo4n at "eola As 5er >sti&ate given b2
9ishor Patil F Associates 8
Consulting >ngineer
213,
2 Construction of 1!!! 3 'on ?odo4n at "eola $1O$ ,1.3
3 >6tension of Office Building at "eola $1O$ 2:+-
, Construction of 3athadi Bhavan $1O$ 2.,!
================================================================

. Construction of Aall and Sho55ing centre 8 "eola $1O$ .:!3
+ O5en s5ace concreting $1O$ -,+.
- Construction of 3ail ?ate at Andersul ) Sub
3ar7et "ard
$1O$ -23
: Internal Road at Sub 3ar7et $ Andersul $1O$ .++
* <all co&5ound at Sub ) &ar7et $ Andersul $1O$ -:2
T+T"L 68/*;;
vi) Summary of profitabi li t y, Break- Even, DSCR:
1ebt$>Buit2 Ratio #Pro@ect% !,*
Average 1SCR ,:!
3ini&u& 1SCR #2!12$13% 21+
DSC&,
Follo4ing assu&5tions are considered 4hile calculating 1SCRC
ROI is considered as 1.!!; b2 the co&5an2 Sa&e is 7e5t unchanged
Re5a2&ent of the '( is 5ro5osed in $,:$ instal&ents 8 12 &onths after first disburse&ent
'he &oratoriu& 5eriod is $:$ &onths
#Rs in lacs%
#E"& 6/..2.6 6/.62.; 6/.;2.G 6/.G2.9 6/.92.I 6/.I2.8 T+T"L
P"T 1,13. 1-,*3 2!,.3 22+,- 2.3*2 2:.:* 12:-!*
INTT +N TL 1:*. 2+23 113! +*+ 31! !22 ++-+
DEP&ECI"TI+N 1+1: 1*+1 1:*: 1:3* 1-:, 1-.. 1!:..
T+T"L @"0 .8I*G7 66/*88 6;G*7. 69.*76 68G*7I ;/;*II .GI6*G/
INTT +N TL 1:*. 2+23 113! +*+ 31! !22 ++-+
INST"LLMENT
================================================================
M<s "PMC , #eola *, %algaon Neur $ranch Page .I of 69

+ TL
TL 5 I 3.,2 $$ $$ $$ $$ $$ 3.,2
TL 2 II $$ -.*+ .!+2 33-+ 33-+ :,! 2!2.!
T+T"L @$0 9G*;8 ./6*.: I.*:6 G/*86 ;I*7I 7*I6 6/6*9/
DSC& @"<$0 32. 21+ 3-* +1: -,+ 3.23 ,:!
"A) DSC& ,:!
'he average 1SCR is ,:!8 4hich is at satisfactor2 level 3in 1SCR in a single 2ear is
21+ 'he co&&ittee 4ill be able to generate sur5lus funds to serve the interest and
instal&ents of 5ro5osed '(
3iii0 Status of 3arious statutor! appro3als and clearances
'he co&&ittee has to ta7e a55roval for construction fro& 0agar Parishad 8 "eola and
?ra& Pancha2at 8 Andersul
'he co&&ittee has to obtain 0OC fro& 0agar Parishad 8 "eola and ?ra& Pancha2at 8
Andersul before starting construction of the godo4ns
i40 Present ph!sical ( financial status of proBect, if an!
The committee has !et to start its construction acti3ities*
40 Implementation schedule
.0 Land , "lread! in possession @present land is being used0 )at No*8;9 < . "t "ndersul , Tal 5
#eola , Dist 5 Nashik* )at No*..8 <6 "t #eola , Dist 5 Nasik* )at No* .;7 , .;: , .G/ at
"ndersul Tal 5#eola , Dist 5 Nasik*
60 $uilding , +ffice , pucca roads , concretisation , platforms and parking places , godo1ns are
to be constructed in I months*
4i0 Proposed repa!ment schedule
Scheduled date of Co&5letion of Pro@ect A5ril 2!12
Co&&ercial O5erations 1ate #CO1% =une 2!12
3oratoriu& #in &onths% fro& the date of Ist
disburse&ent
12 &onths
Re5a2&ent 5eriod in &onths #including
&oratoriu& 5eriod%
+! &onths
0o of install&ent ,: &onths

As 5er the Sche&e for construction of Rural ?5do4ns b2 Central ?ovt 8 the borro4er has to
contribute 2.; of the cost of 5ro@ect and 2.; 4ill be Subsid2 fro& the ?ovt of India Rest of the
a&ount ie .!; of 5ro@ect cost 4ill be given b2 Ban7 in the for& of 'er& (oan 'he 2.; of the
5ro@ect cost ie Rs+-.! (a7hs 4ill be contributed b2 the co&&ittee in stages and an a&ount of
's+-.! (a7hs 4ill be subsid2 a&ount 8 the co&&ittee 4ill receive after it 4ill start its construction
activit2 'he Ban7 4ill give Rs13.!! (a7hs as 'er& (oan for a 5eriod of +! &onths #including
&oratoriu& 5eriod of 12 &onths%

================================================================

"nne4ure 2 D
$orro1er?s name, "gricultural Produce Market Committee , #eola
$ranch, %algaon Neur
E4isting limits Proposed limits
Term Loan 2 I I@&e3ie1 0 *,1* &s 68*// Lacs
Pur5ose , Infrastructure develo5&ent for 3ar7et "ard
1isburse&ent of loan , 1irectl2 to the su55liers of the 3achineries / fi6ed assets and
based on >ngineerDs certificate for the i&&ovable 5ro5erties to
be constructed
'he a&ount alread2 5aid to be considered as &argin &one2 as a
5art of the 5ro&oterDs contribution not e6ceeding to Rs ,2!!
lacs
3argin , 1. ; on the fi6ed assets to be brought in b2 the co&&ittee
#AP3C8 "eola%
Period , $3+$ &onths sub@ect to annual revie4 #Residual Period%
Aolida2/3oratoriu& 5eriod , $12$ &onths
Rate of interest ,
================================================================

Re5a2&ent , $3+$ 3onthl2 instal&ents of Rs 1*+3!!/$ lacs 5lus &onthl2
interest to be recovered as and 4hen a55lied
Securit2 , 1% 1P note to be e6ecuted b2 the co&&ittee #AP3C8
"eola%
2% Co&5osite A25othecation Agree&ent for 5lant and
&achiner2
3% (etter of instal&ent 4ith acceleration clause
,% Co&5osite underta7ing cu& declaration dul2 sta&5ed
.% 3ortgage of the land8 building F other collaterals8 for
the loan is considered
+% ?eneral For& of ?uarantee
Term Loan 2 III @resh 0 $$ &s I8*9/ Lacs
'25e , Infrastructure develo5&ent for 3ar7et "ard
Pur5ose $ridge inance
be constructed
3argin , 2. ; on the fi6ed assets to be brought in b2 the co&&ittee
#AP3C8 "eola%
Re5a2&ent Period , $2, &onths fro& the date of first disburse&ent 8 sub@ect to
annual revie4 4hich includes construction/ installation 5eriod
and &oratoriu& 5eriod of $12$ &onths
Rate of interest ,
Re5a2&ent Schedule , $12 3onthl2 instal&ents of Rs .+2.!!/$ lacs 5lus &onthl2
interest to be recovered as and 4hen a55lied First instal&ent to
begin 12 &onths after a date of first disburse&ent
Securit2 , 1P note to be e6ecuted b2 the co&&ittee #AP3C8 "eola%
Co&5osite A25othecation Agree&ent for 5lant and &achiner2
================================================================
M<s "PMC , #eola *, %algaon Neur $ranch Page .: of 69

(etter of instal&ent 4ith acceleration clause
Co&5osite underta7ing cu& declaration dul2 sta&5ed
3ortgage of the land8 building F other collaterals8 for the loan is
considered
?eneral For& of ?uarantee
Term Loan 5 IA @resh0 0il &s .;9*// Lacs
Pur5ose , Infrastructure develo5&ent for 3ar7et "ard
be constructed
3argin , Rs +-.! lacs ie 2. ; on the fi6ed assets to be brought in b2
the co&&ittee #AP3C8 "eola%
Re5a2&ent Period , $+!$ &onths sub@ect to annual revie4 4hich includes
construction/ installation 5eriod and &oratoriu& 5eriod of $12$
&onths
Rate of interest ,
Re5a2&ent Schedule , $,:$ 3onthl2 instal&ents of Rs 2:12.!/$ lacs 5lus &onthl2
interest to be recovered as and 4hen a55lied First instal&ent to
begin 12 &onths after a date of first disburse&ent
Securit2 , 1% 1P note to be e6ecuted b2 the co&&ittee #AP3C8 "eola%
2% Co&5osite A25othecation Agree&ent for 5lant and
&achiner2
3%(etter of instal&ent 4ith acceleration clause
,%Co&5osite underta7ing cu& declaration dul2 sta&5ed
.%3ortgage of the land8 building F other collaterals8 for the loan
================================================================
M<s "PMC , #eola *, %algaon Neur $ranch Page 6/ of 69

is considered
+%?eneral For& of ?uarantee
Other 5rov , Pre5a2&ent charges as a55licable to be recovered at the ti&e of
foreclosure of the 'er& (oan
Ins5ection is to be conducted at the ti&e of each disburse&ent
of the loan
All original bills and recei5ts/ are to be 7e5t 4ith the Ban7 for all
the fi6ed assets being financed b2 the Ban7
+T-E& TE&MS "ND C+NDITI+NS,
1 $ranch to reco3er &s*69.://<2 @ including Ser3ice Ta40 as Cnified Processing and
Documentation charges*
2 $ranch to ensure to obtain N+C of Nagar Parishad , #eola and )ram Pancha!at ,
"ndersul for construction of Market #ard before disbursement of credit facilities*
3. $ranch to ensure to obtain Plan for construction to be appro3ed b! the competent
authorit! before disbursement of credit facilities*
, $ranch to ensure to obtain Search &eport of the properties to be mortgaged b!
"PMC , #eola*
5. $ranch to ensure that the eHuit! is brought in b! the committee in stages as
agreed , be entr! in our books and supported b! a certificate from the Chartered
"ccountant of the committee*
+ $ranch to obtain credit report from Nasik Dist* Central Co2+perati3e $ank Ltd* ,
Market #ard , #eola and %abresh1ar $ranch and get satisfied about conduct of the
account*
7. "n! disbursement in Term Loan to be supported b! "rchitect?s < Engineers?s
certificate certif!ing completion of 1ork , C " certificate , thereb! certif!ing
e4penses ha3ing incurred b! the committee*
: The Directors < )uarantors to submit a declaration that none of them is related to
an! director of our $ank < an! other $anking compan! or to an! staff of our $ank*
9. 'he co&&ittee #AP3C8 "eola% should not create8 4ithout 5rior consent of the Ban78
charges on their an2 or all 5ro5erties or assets during the currenc2 of the credit facilities
granted b2 Ban7/consortiu& ban7s
1! 'he co&&ittee #AP3C8 "eola% is to 5a2 5rocessing8 docu&entation8 ins5ection8
incidental charges and u5front fees etc as 5er ban7Ds guidelines 'he co&&ittee #AP3C8
"eola% to 5a2 Service 'a68 surcharge etc 4herever a55licable
================================================================
M<s "PMC , #eola *, %algaon Neur $ranch Page 6. of 69

11 >6ecution of 5ro5er docu&ents for each t25e of facilit2 as detailed in the sanction and
verification of the sa&e b2 the ban7Ds (egal Officer is a &ust
12 "ll the securities to be kept full! insured under $anc2assuarance Scheme, against
fire and such other risks as ma! be reHuired b! the $ank and the policies are
reHuired to be submitted to $ank, dul! assigned* Charges to be borne b! the
committee @"PMC, #eola0*
13 'he co&&ittee #AP3C8 "eola% should obtain 5rior 4ritten consent fro& the ban7 in
res5ect of the follo4ing &attersG
>ntering into an2 borro4ing arrange&ent 4ith other ban7s/ financial institutions
and other 5arties
'a7ing of an2 ne4 5ro@ect or large e65ansion
3a7ing invest&ent in or giving loans to subordinates individuals and other 5arties
and >ffecting acBuisitions
?iving guarantee on behalf of the third 5arties
1, 'he co&&ittee #AP3C8 "eola% to give follo4ing underta7ings thatC
It shall utiliHe the funds onl2 for the 5ur5ose for 4hich the sa&e is 5rovided
It shall not diversif2 / go for e65ansion / &oderniHation 4ithout the consent of the
Ban7
Authorit2 to the Ban7 for disclosing its na&e8 directorDs na&e8 in case of default
'he co&&ittee #AP3C8 "eola% 4ill 7ee5 the Ban7 infor&ed of the ha55ening of
An2 event li7el2 to have substantial effect on their 5rofits and business
'he co&&ittee #AP3C8 "eola%Ds ancillar2 business should be routed through the
Ban7 'he co&&ittee #AP3C8 "eola% &ust confine its entire dealing 4ith our
Ban7 and shall not &a7e an2 financial arrange&ent 4ith an2 other ban7 either
te&5orar2 or of 5er&anent nature 4ithout 5rior 4ritten consent fro& our Ban7
1. In case of overdue / dela2ed interest and non$co&5liance of an2 ter&s and conditions of
the sanction the ban7 4ill charge 5enal interest I 2; 5a on the entire outstanding of the
account
1+ 'he Ban7 reserves the right to change / alter / &odif2 an2 of the ter&s of sanction fro&
ti&e to ti&e and the sa&e shall be binding on the co&&ittee #AP3C8 "eola%
1- 'he co&&ittee #AP3C8 "eola% 4ill dis5la2 Ban7Ds na&e board at the 5lace 4here the
securit2 charged to the Ban7 are located or stored
1: 'he i&&ovable 5ro5erties &ortgage to the Ban7 shall be valued / revalued fro& ti&e to
ti&e at the discretion of the Ban7 and charges therefore shall be borne b2 the co&&ittee
#AP3C8 "eola%
1* 'he a55licable rate of interest 4ill be based on the credit rating to be done 5eriodicall2
and the sa&e 4ill be a55licable fro& ti&e to ti&e Interest 4ill be charged and recovered
on &onthl2 basis at the rates furnished above for the 5resent Ao4ever it is sub@ect to
change 4ithout 5rior notice
2! For an2 &isutilisation and /or diversion of the loan a&ount /credit facilit2 b2 the
co&&ittee #AP3C8 "eola%8 the Ban7 shall be entitled to call bac7 the credit facilit2 /
outstanding 4ith interest and cost of recover2
21 'he co&&ittee #AP3C8 "eola% to sub&it financial state&ents8 I' assess&ent order8 and
other necessar2 infor&ation necessar2 for revie48 $ 3$ &onths before the revie4 date
22 In case of default in regulariHing the account/re5a2&ent of the Ban7Ds advance the Ban7
and/or RBI/ Credit Infor&ation Bureau #India% (td 4ill have the right to disclose or
5ublish the na&e of the co&&ittee #AP3C8 "eola% as 4ell as the 1irectors in such
================================================================

&anner or through such &edia as the Ban7 / RBI &a2 dee& fit
23 'he Ban7 has the right to furnish / disclose such infor&ation to RBI / CIBI( or an2 other
institution in connection 4ith the credit facilities granted to the co&&ittee #AP3C8
"eola%
2, 'his sanction shall stand cancelled and shall be absolutel2 null and void if )
a 'here are an2 &aterial changes in the Pro@ections for 4hich the above credit
facilities are sanctioned
b An2 &aterial facts concerning 2our 5rofits or abilit2 to re5a2 or an2 other
relevant as5ects of 2our 5ro5osal are 4ithheld8 su55ressed8 concealed and not
&ade 7no4n to us and an2 state&ent &ade in the a55lication is found to be
incorrect or untrue
2. 'he ban7 4ill have the right to e6a&ine at all ti&es8 the co&&ittee #AP3C8 "eola%Ds
boo7 of account and to have securities #5ri&ar2 as 4ell as collateral% ins5ected fro& ti&e
to ti&e b2 officer#s% of the Ban7 and/or Bualified auditors and/or technical e65erts and/or
&anage&ent consultants of Ban7s choice 'he i&&ovable 5ro5erties &ortgaged to the
Ban7 shall be valued /revalued fro& ti&e to ti&e at the discretion of the ban7 Cost of
such ins5ection/valuation to be borne b2 the co&&ittee #AP3C8 "eola% 'he ban7 4ill
have stoc7 / boo7 debt audited fro& an outside agenc28 the cost to be borne b2 the
co&&ittee #AP3C8 "eola%
2+ 'he branch 4ill call for the credit re5orts on the co&&ittee #AP3C8 "eola% F its sister
concerns F directors fro& their ban7ers and satisf2 about the dealings If not found
satisfactor2 the2 should infor& it to the sanctioning authorit2
2- 'he co&&ittee #AP3C8 "eola% is to note that )
'he Ban7 &a2 revo7e in 5art or in full or 4ithdra4 / sto5 financial assistance at
an2 state 4ithout an2 notice or giving an2 reason for an2 5ur5ose 4hatsoever
'he rate of interest / 5enal interest / fees / charges etc sti5ulated are sub@ect to
change fro& ti&e to ti&e
'he sanction does not vest in an2 one8 the right to clai& an2 da&ages against the
Ban7 for an2 reason 4hatsoever
'he release of credit facilities is sub@ect to vetting of securit2 docu&ents b2 the
ban7Ds a55roved advocate or (egal 1e5tt 'he charges / fees for drafting8 vetting
of docu&ents to be charged b2 the advocate are 5a2able b2 the co&&ittee
#AP3C8 "eola%
'he sanction is valid for a 5eriod of )+$ &onths onl2
2: An2 &aterial facts concerning 2our 5rofits or abilit2 to re5a2 or an2 other relevant as5ects
of 2our 5ro5osal are 4ithheld8 su55ressed8 concealed and not &ade 7no4n to us and an2
state&ent &ade in the a55lication is found to be incorrect or untrue
2* 'he co&&ittee #AP3C8 "eola% 4ill 7ee5 the ban7 infor&ed of the ha55ening of an2
event li7el2 to have substantial effect on their 5rofits and business
3! The cop! of sanction letter dul! signed b! the borro1er and guarantor for agreeing
to the terms and conditions incorporated therein is to be obtained before disbursing
the facilities*
31 'he co&&ittee #AP3C8 "eola% and to sub&it audited financial state&ent 4ithin one
&onth of Co&5letion of audit or on or before 3!
th
0ove&ber ever2 2ear8 4hichever is
earlier
32 Limits to be released onl! after compliance of all terms and conditions of the
sanction, creation of mortgage of all properties and noting of our charge 1ith
appropriate authorit!, 3etting of documents from $ank?s empanelled "d3ocate,
and prior permission is obtained from SME Loan actor! , Nasik**
================================================================
M<s "PMC , #eola *, %algaon Neur $ranch Page 6; of 69

33 'he ban7 reserves the right to discontinue the facilities / advances / loans and 4ithheld /
sto5 an2 disburse&ent 4ithout an2 notice in case of non co&5liance of an2 of the ter&s
and conditions sti5ulated herein and fro& ti&e to ti&e as also in the relevant docu&ents
or an2 infor&ation/ 5articulars furnished to us found to be incorrect or in case of an2
develo5&ents or an2 situations8 4here in the o5inion of the Ban78 as interest 4ill be / is
li7el2 to be 5re@udiciall2 affect an2 such continuation or disburse&ent
Enclosure to Circular no BCC: BR: 101:24 dated 23.01.2009
"SC&+M D"T" INPCT S-EET
@or Critical ields +nl!0
Jone 0a&e 3aharashtra F ?oa
Region 0a&e Aurangabad
Branch =algaon 0eur Branch
Borro4er 0a&e Agriculture Produce 3ar7et Co&&ittee 8 "eola
Borro4er ASCRO3 Id #'o
be filled in after o5ening of
account%
0a&e of Field ASCRO3 Code 1escri5tion
1 Constitution ., SOCIETY/ASSOCIATIONS
2 Occu5ation *** Others
3 Religion 0 A
, S5ecial Categor2 0 A
. Sector 2 Agriculture ) (ong 'er&
+ Sche&e *** Ban7 other sche&e
- Activit2 1.22
3ar7et "ard
: Sanctioning Authorit2 *2 Factor2 Aead
* 'urnover A&t in Rs
#Pro@ected 'urnover for
assessing Credit (i&it%
KKKKKKKKKKKKKKKKK
K
2!11$12$ Rs 311!! (acs
1! Business Seg&ent @As 5er
our Ban7Ls internal
seg&entation%
6 "griculture
11 0e6t 'hree "ear Sales
#A&t in (acs%
KKKKKKKKKKKKKKKKK
K
2!11$12 2!12$13 2!13$1,
311!!
3-,!! ,2.!!
12 Invest&ent in Plant and
3achiner2/
>Bui5&ent #In case of
3anufacturing/ Service
units%
0A
13 Credit Rating /Credit Score KKKKKKKKKKKKKKKKK
K
CR ) 2 / BOB 3 based on Provisional balance sheet
as on 31!32!11
1, >6ternal Credit Rating KKKKKKKKKKKKKKKKK
K
0A for the 5ro5osed e65osure
1. Re5a2&ent &ode 1 3onthl2
1+ Securit2 MORT MULTI-PURPOSE COMMERCIAL
PREMISES Rs.2753.33 Lakhs
================================================================
M<s "PMC , #eola *, %algaon Neur $ranch Page 6G of 69

Place, N"SI> &ecommending +fficer Sanctioning "uthorit!
Date,

================================================================

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