APPLICATION FORM FOR LOAN OF ABOVE 12 CRORE FOR WORKING CAPITAL (FUND BASED/ NON FUND BASED) &

TERM LOAN BORROWER PROFILE

Name Constitution Date of incorporation/ Date of Establishment Registered Office Corporate Office

Lemon Tree Hotels Private Limited Private Ltd 2nd June, 1992 2nd June, 1992 Registered Office: B-6/17, Safdarjung Enclave, New Delhi110029 Corporate Office: 201, Okhla Industrial Estate, Phase III, New Delhi 110020 U74899DL1992PTC049022

Company Identification Number (CIN)/ Registration Number in case of Partnership Banking with us since/New New Relationship Relationship. Names of Partners/ Main Promoters Mr. Patanjali G. Keswani

Manufacturing Facility (Locations) Name of the Contact person & phone no. E-Mail Id Name, address &membership number of the Companys Statutory Auditors / Name, address &membership number of the Firms Auditors

2. EXTERNAL RATING

Agency None

Rating
B+

Date of Rating
31.03.2011

Purpose

Valid up to

Denoting

2a. MARKET PERCEPTION

Share Price as on: Listed on/with: Face Value: High/Low (last 52 weeks)

Market Capitalization as on last ABS in case of listed companies

10

2b. FACILITIES PRESENTLY ENJOYED Na Nature of Limit me of the Bank Facility

1.Andhra Bank

O/S as on
30.09.2011 17.00 97.88

(Amt in Crore) Rate of Interest

2. Axis Bank Ltd. 3 IDBI Bank Ltd.. 4. IDFC Ltd. 5. Kotak Mahindra
Bank Ltd. 6. Tourism Finance Corporation

Term Loan Term Loan Term Loan Term Loan Term Loan Term Loan

9.00
74.06 0.30 9.86 208.10

Total

2c. Industry Line of Activity Facility Arrangements Sole/Consortium/Multiple Whether Sensitive Sector: Real Estate /Capital Market /NBFC 2d Share holding pattern as on: Name of Promoters/ Major Number of Shares Rs. in Crore % Holding share holders* 1 2 3 4 186.64 26.06% 1.Promoters 196.07 27.37% 2. Warburg Pincus 101.40 14.16% 3. Ravi Jaipuria 81.83 11.43% 4. Gokal/Dianmo 64.07 8.95% 5. Kotak Mahindra Realty 50.38 7.03% 6. Friends & Associates 18.63 2.60% 7. Employees 17.20 2.40% 8. Shinsie Bank 716.20 Total FIs/Mutual Funds/UTI/Banks/FIIs NRIs/OCBs Public Total *In case of partnership firm, names of partners & their investment and share in % should be given in the above table in points 1,3&4 2e.Whether Shares pledged to any Yes /No Bank/FI/Others If Yes, Percentage of share pledged Purpose Institution
3. Brief History:-

11

LEMON TREE HOTEL - the brand is owned by Lemon Tree Hotels Pvt. Ltd., having its registered office at B-6/17, Safdarjung Enclave, New Delhi-110029. The brand guarantees its customers an experience combining convenience, Comfort, Hygiene, safety and Security at Highly competitive Prices. The Lemon Tree Hotel positions itself as Indias finest chain of upmarket, full service, moderately priced hotels. These hotels have been conceived and managed by a group of experienced hotel professionals. The Hotels have been created especially for the discerning business traveller who wants quality services at a reasonable price; a typical Lemon Tree Hotel is located in or close to a business center/district. A typical Lemon Tree Hotel will offer between 50-300 high quality rooms (fully air conditioned, with instant broadband/WIFI internet access, telephones with direct dialling and ISD, a functional work table, refrigerator and running hot and cold water); a multi-cuisine restaurant and a bar, recreation and entertainment facilities, a fully equipped business center with meeting rooms, a fitness center and a swimming pool (where possible). Service offerings will also include round the clock reception, housekeeping, laundry and room service. Investments by Private Equity Investors US based Private Equity firm Warburg Pincus, a long term value driven investor has invested Approx 200 Cr. in the Company with a stake of 26%. Other than Warburg Pincus, two more Private Equity firms i.e. Kotak Mahindra Realty and Shinsie Bank have also invested in the Company. Details of Other Group Company / Brand Red Fox Hotels- the brand is owned by Spank Hotels Private Limited; Red Fox Hotels is a chain of midscale hotels and has been founded by the promoter of Lemon Tree Hotels. These hotels deliver unbeatable value-for-money. All Red Fox Hotels are contemporary, spotlessly clean, safe and efficient. They have been designed for the price conscious business and leisure traveler who is more discerning today and not willing to compromise on basic standards of hygiene, quality of accommodation and safety. A typical Red Fox Hotel offers: 24x7 reception and self help facilities including dispensing machine for snacks and daily need items; Utility Kiosks for ironing, ice cubes and dispensed drinking water Meeting room facilities In-room Dining (available from 7:00 am to 11:00 pm) Fitness Center Cyber Kiosk Travel assistance, tour guides, currency exchange and safe deposit lockers Outsourced laundry service Awards and Citations for Lemon Tree Hotels The NCPEDP (National Center for Promotion of Employment for Disabled People) Shell Helen Keller Award, 2010

12

Ranked 69th, in the 2011 study of 100 Best Companies to Work For by the Great Place to Work Institute & the Economic Times The NCPEDP (National Center for Promotion of Employment for Disabled People) - MphasiS Universal Design Award, 2011 (for work done towards the cause of accessibility) Times Travel Honours 2011 for Best Mid Range Hotel SATTE 2010 Hotelier for Best Mid-Market Developer FHRAI (Federation of Hotels and Restaurant Associations of India) Hall of Fame Award, 2010 7 Lemon Tree Hotels have been awarded TripAdvisors Certificate of Excellence (TripAdvisor is the worlds most trusted travel advice site) 4 Lemon Tree Hotels were Expedia Insiders Select hotels 2010 (top 1% of 114,000 hotels globally)

3a. Board of Directors/Partners S.No Name Designation Mr. Patanjali G. Keswani CMD, Promoter 1 Mr. Puneet Bagrodia Independent Director 2 Mrs. Sharanita Keswani Director 3 Mr. Gopal Jiwarajka Independent Director 4 Mr. Ravi Kant Jaipuria Nominee Director 5 Mr. Nukul Jagivan Nominee Director 6 Mr. Niten Malhan Nominee Director 7 Mr. Rajesh Khanna Nominee Director 8 Mr. Vikas Chimakurthy Nominee Director 9 Mr. Ravi Dubey Independent Director 10

DIN

PAN

UID

3.b:Brief Profile of Partners/ Directors: Lemon Tree Hotel Company is promoted by Mr.
Patu Keswani, the Managing Director of the Company. Patu Keswani is a B.Tech (Electrical Engineering) from IIT Delhi and an MBA (Finance and Marketing) from IIM Kolkata. Patu has been with the Tata Group for most of his professional career and has spent over 15 years with the Taj Group of Hotels where he has been Chief Operating Officer of the Taj Business Hotels Group (21 Hotels across India) and just prior to leaving, the Senior Vice President of Special Projects. Patu has also worked with A. T. Kearney Inc., the premier American strategic management consulting firm as Director in their India Office.

PATU KESWANI Chairman & Managing Director

Patu Keswani is a B.Tech (Electrical) from IIT Delhi and an MBA from IIM Kolkata. He has 15 years of experience with The Taj Group of Hotels including as Chief Operating Officer of Taj Business Hotels and as Sr Vice President Special Projects. Patu has also worked with A.T. Kearney Inc., as Director in their India Office. Just some of the things that make him head Lemon.

J. K. Chawla Senior Vice President-Projects & Engineering Services

Jagdish Chawla is an engineer from Pusa Polytechnic, Delhi and has 20 years of experience with The Taj Group of Hotels including as Chief Engineer of Taj Palace Hotel, Delhi and as a senior member of the team that built Jai Mahal Palace Hotel, Jaipur and Taj Residency

13

Hotel, Lucknow Davander Singh Tomar Senior Vice President-Security & Administration Davander Tomar is an M.A. and an L.L.B. from Delhi University and has 18 years of experience in the Security function with The Taj Group of Hotels including as Area Security Manager, Taj Group, Delhi. Aradhana Lal Vice President-Sales & Marketing Aradhana Lal is an MBA from IIM Ahmedabad. Her last assignment was with Hindustan Lever as Sales Operations Manager for the direct selling business Hindustan Lever Network. Prior to this she was Sales Manager, Taj Mahal Hotel, Delhi. Rahul Pandit Vice President-Operations & Vice President-People Rahul Pandit is a graduate from Institute of Hotel Management, Pusa, Delhi and a former member of the Indian Karate team. His last assignment was as Front Office Manager, Grand Intercontinental Hotel, Delhi. His earlier experience includes stints at Wipro Spectramind, The Taj Group of Hotels and Choice Hotels. Kapil Sharma Vice President-Finance Kapil Sharma is a CA. His last assignment was as Head-Finance and Accounts, Leroy Somer (Emerson Group). With over a decade of experience in the finance and commercial function, he also worked with DHL Worldwide Express and Onida Finance. R. Hari General Manager-Human Resources R. Hari is a post graduate in arts, with a professional degree in law. His last assignment was as General Manager Human Resources, VLCC. Over a career spanning 24 years, he has worked with Sun n Sand, Pune, Holiday Inn in Ahmedabad, Vadodra and Ooty and with ITDC. Naresh Chander Malhotra AVP- Projects & Engineering Services Naresh Malhotra is a mechanical engineer, a graduate (Delhi University) and holds part A AMIE certification. His last assignment was as Chief Engineer, Batra Hospital. His experience also encompasses The Taj Group of Hotels, Clarks Hotels, Santa Cruz International Airport and Indraprastha Power Station. Sumant Jaidka AVP-Operations Sumant Jaidka is a graduate from Salzburger School of Hotel Management, Austria. His last assignment was as Executive Assistant Manager, Crowne Plaza, Delhi. His career has included the The Taj Group of Hotels, Hilton, Maurya Sheraton and Hyatt Regency. Cyrus Madan General Manager-Operations Cyrus Madan is a graduate from Welcomgroup Graduate School of Hotel Administration, Manipal. His last stint was as Behavioral

14

Training Manager, GE Capital and prior to that, he worked with The Taj Group of Hotels. Rajiv Tyagi AVP-Finance Rajiv Tyagi is a commerce graduate from Delhi University. His career spanning over 25 years includes Maurya Sheraton and The Taj Group of Hotels (Delhi), where he was last the Area Credit Manager, Taj Group, Delhi. Jai Raj Singh General Manager-Materials Management Jai Raj Singh is an arts graduate, with a professional diploma in materials management. His last assignment was with S. J. P. India Associates as General Manager-Commercial. His 28-year experience includes Nirulas Corner House, Intercontinental, Times of India, Fedders Lloyd Corporation and Delhi Cloth Mills. Nikhil Sharma General Manager-Operations Nikhil Sharma is a graduate from Institute of Hotel Management, Pusa, Delhi. His last stint was as a senior Front Office team member at Grand Intercontinental Hotel, Delhi. His experience includes Taj hotels in Delhi and Udaipur, Marriot in Mumbai and Intercontinental in Srinagar and Delhi. Sareena Kochar Corporate Housekeeper Sareena Kochar is a B. Sc. from Kurukshetra University with professional diplomas in Hotel Management. Her last assignment was as Corporate Executive Housekeeper, VLCC. Prior to this she was with Howard International and Jaypee Residency Manor in Mussorie, Vasant Continental, Delhi and Intercontinental in Delhi, Goa and Srinagar. Saket Puri General Manager-Finance Saket Puri is a CA with over 18 years of experience. His last assignment was as a Finance Consultant with Spraylite Industries, Dubai. Prior to this Saket had handled the finance function in the manufacturing, construction, shipping and hospitality industries in India and Dubai. Lt. Col. Narendar Chowdhry General Manager-Security & Administration Lt. Col. Narendar Chowdhry is a commerce graduate from Delhi University. He was an Indian Army officer for 20 years and handled security, intelligence, administration and logistics in both combat and peace time. He was a part of the Indian Peace Keeping Force operations in Sri Lanka and Kargil. Sharanita Keswani Director on the Board & Marketing Advisor Sharanita Keswani was last Director, Marketing, KFC (Yum! Restaurants International) where she was responsible for the relaunch of the brand in India. She earlier set up Quadra Advisory - a

15

marketing consultancy JV of WPP, UK- with the late Shunu Sen (former Marketing Director and board member of Hindustan Lever). At Lemon Tree Hotels, Sharanita provides brand and concept development inputs to the group.

16

4. OTHER DETAILS:

17

(4.a)Whether any of the Partner/ Firm, N.A. Director/Company appearing in Caution Advices circulated by the Bank from time to time/RBIs Willful defaulters list/ Caution list of ECGC/CIBIL etc

18

N.A. (4.b)Whether any of the partner/firm, Directors/Company is connected in the past with any One time settlement/suit filed account/Non performing assets with any Bank/Financial Institution

19

20

(4.c)Whether any of the partner/Directors is related to Directors/Senior Officers of Central Bank of India/Other Banks (4.d)Whether there has been any change in the partnership /Management during last one year. (4.e)Whether there is any litigation initiated against the Borrower by any Bank/FI/others

21

(4.f) Whether activity undertaken and borrowings sought are as per borrowing powers vested to the Board by Memorandum & Article of Association.

22

5. PRESENT REQUEST:

23

Nature Fund Based Total FBWC Term Loan Non Fund Based LC LG Total (FB+NFB)

Limit requested

Margin

Rate of Intt/Com requested

Our Proposed Share in % in consortium

24

Forward Contract

25

5.a: SUB LIMITS

26

Within CCH Within Bills Within LC/LG

27

Within Term Loan

28

Transfer of D.P. If request is for fresh sanction/enhancement in working capital limits (Fund based/Non fund Based) Information as per annexure -1 should be given here. If request is for fresh term loan, information as per annexure -2 should be given here. 6. PRIME SECURITY OFFRED:

29

Nature / Description of Security WDV

Market Value & Basis of valuation (Rs in crore)

30

Equitable mortgage over a piece of land situated at Sector 60, Gurgaon, having total area of 3.1675 Acres, Approved FSI of 2.41 lacs Sq. Ft. registered in the name of Toucan Real Estate Pvt. Ltd. ( a group Company of Lemon Tree Hotels Private Limited)

Rs. 130.00 Crores (our share in the property equal to 1.50 times of the Loan amount i.e., Rs.60.00 Crores )

31

(6.a)Collateral Security offered:

32

Nature / Description of Security

WDV

Market Value (Rs in crore)

33

Post Dated Cheques towards interest and Principal.

Rs. 40.00 Crores + Interest

34

(6.b)Time Period required for perfection of security: (6.c) Personal Guarantee Offered:

35

Name

Relationship with Company/Firm

Net Worth as on 31.03.2011

36

Mr. Patanjali G. Keswani

CMD, Promoter

Rs. 60.38 Crores

37

7.Information in case of Term Loan:

38

Nature

Existing Book Value

FACR

Proposed Book Value

FACR on project completion

39

Primary

40

41

(7.a) Debt Profile as on : Facility Fund Based Limit O/s Our Bank W.C. Term Loan Sub Total Other Banks FIs

(Rs in crore) Non- Fund Based Limit O/s Total Limit O/s

42

TOTAL

43

(7.b) Details of Short Term Loans /Adhoc availed during last 12 months if any.

44

Date of sanction and name of the Bank.

Amount in crore

Period

ROI

Date of adjustment / Roll over

(7.c) Details of facility availed outside consortium during last 2 months, if any. Name of the Institution Nature of facility Security O/S as on Purpose ROI

(7.d) Term Loans from other Banks /FIs/Other Institution- (including Loans/ Ds/ Corporate Loans, Debentures etc. Name of the Bank/FIs 1. Andhra Bank 2. Axis Bank Ltd 3. IDBI Bank Ltd 4. IDFC Ltd. 5. Kotak Mahindra
Bank Ltd. 6. Tourism Finance Corporation Of India Ltd.

Facility sanctioned
Term Loan Term Loan Term Loan Term Loan Term Loan Term Loan

Balance O/S as Overdue if any Rate of Intt on 30.09.2011

17.00 97.88

9.00
74.06 0.30 9.86

Total

208.10

(7.e) Details of Working Capital limits from the Consortium / Multiple Banking
Name of the Bank/FIs Existing Share% Proposed share ROI

FB

NFB

FB

NFB

FB

NFB

FB

NFB

8. Details of Associate Concerns Subsidiary, if any: Profile in Brief (each group company),Synopsis of last 3 years B/S, Banking arrangements.

Annexure-3

45

9 S.No 1 2 3 4 5 6 7 8 9 10 11

Group Financials ( All group Companies taken together) Year FY FY Audited Audited Adjusted TNW of the Group (Without unsecured Loans as quasi-equity) Adjusted TNW of the Group (With unsecured Loans as quasi-equity) Total Fixed Assets Total Term loans Total working Capital (FB)+ STLs Total working Capital (NFB) Total indebtness (4+5+6) FACR ACR ( chargeable assets/total indebtness Total Sales/Revenues Total PAT

( Rs in crore) FY Audited

46

ANNEXURE 1 Details required if request is for working capital finance (Fund/Non fund based) Assessment of Working Capital Limits:

47

Actual Sales of the last year ended Estimates for the current year ending Projections for the following year Actual Sales achieved up to completed Months: In case sales are not as per estimates on pro-rata Basis, reasons thereof and efforts being made to achieve the targets Present installed Capacity Capacity Utilization last 3 years (both in terms of % and units produced) Proposed Capacity utilization for next 2 years

48

Details about proposed capacity addition ,if any

49

Details of Other Current Assets(OCA) Details of Other Current Liabilities(OCL) Proposed Inventory and Receivables Levels:

50

Actual Level 1st year Months Raw Material Imported Raw Material Indigenous Work In Progress Finished Goods Store & Spares Receivables Export Domestic Value (In crore)

Actual Level 2nd year Months Value (In crore)

Estimates Following year Months Value (In crore)

51

Sundry Creditors

52

Please give justification for proposed inventory holding.

ANNEXURE 1 Assessment and Justification for Non fund based limits. Assessment of Letter of Credit:

53

1 2 3 4 5 6 7

Particulars ILS(indigenous) Total purchases during the year Purchases proposed against LC (FOB/CIF Value) RM requirement against LC per month Usance period in months Lead period in months Total period in months LC requirement (3x6)

FLC(Imported)

Assessment of Bank Guarantee: 1 2 3 4 5 6 7 8 Limit Required Guarantees required to be issued during the yr. Average period for which guarantees to be issued Purpose Beneficiary(s) Margin proposed Security Justification for the proposed limit

Assessment of Standby Letter of Credit:

Assessment of Deferred Payment Guarantee:

ANNEXURE-2

54

In case of Fresh Term Loan information should be given in the following table :

55

Purpose of Term Loan Project Information Memorandum (PIM) by

: :

56

TEV study carried out by, if any, and : conclusions made in the report

57

(Rs. in crore)

58

Cost of Project Rs. T/L from our Bank Rs. Proposed Share Maximum DSCR %

Total Debt DE Ratio IRR *Tied up Portion Average DSCR

Rs.

59

Minimum DSCR

60

61

Repayment Door to Door Tenor Zero date Implementation period Schedule date of Completion of project COD Moratorium Actual Repayment Period Whether Mthly/Qtrly/HY/Yrly instalment First installment due on Last installment due on Loan Availability Period

: : : : : : _____ Years : : : :

62

Terminal Date of disbursement

63

ANNEXURE -2

TERM LOAN POPOSAL: Purpose About the project : Need for the project ( in case of expansion project- existing capacity utilization etc.,) Summary of Cost of Project & Means of Finance: (Rs in crore)

64

Cost of Project

Means of Finance

65

66

Source of promoters contribution, Upfront contribution to be brought and the time schedule for the remaining contribution. Status of tie up of loans Brief about major items of cost of project , reputation of suppliers, availability of performance guarantee from suppliers, EPC contract etc. alongwith comments on the technology used. Comments in brief on aspects like locational advantage, availability of infrastructure facilities. ( Coal/Fuel linkage in case of Power projects/Right of way in case of Road Projects) Status of various statutory approvals and clearances. Present physical and financial status. Implementation schedule.

67

Activity

Starting Date

Completion Date

68

69

Draw Down Schedule Quarter wise.

70

Period of Draw Down Quarter ending

Amount in crore.

71

Quarter ending

72

Important Note: To enclose the following:Projected Balance Sheet, Profit & Loss, Cash Flows covering repayment period.,working of DSCR,Sensitivity Analysis,IRR,Break-Even analysis.

73

Risk & Mitigating factors template, SWOT and Industry Scenario and comparison with peer industries should be enclosed as Annexure.)

74

FINANCIAL INDICATORS OPERATING STATEMENT: (Applicable for working capital & Term Loans) As per P/L Account Actuals/Est. for the Year ended/ending Last Year Actual Current year Folio Yr. Year estimates Projections 1 Gross Sale 2 Less Excise Duty 3 Net Sales 4 Cost of Sales a) Raw Materials -Imported -Indigenous b) Other Spares c) Power & Fuel d) Direct Labour e) Repairs & Main. f) Other Mfg.Exp. g) Depreciation Sub Total Add: Opening SIP Deduct: Closing SIP Sub Total Add: Opening FGs Deduct: Closing FGs (Cost of Sales) 5 Gross Profit (3 4) 6 Interest Selling, General & admn. 7 Expenses 8 Operating Profit 9 Other Income/Exp. Add Income Deduct exp. Sub Total ( - ) ( + ) 10 Profit before tax Less provision for tax 11 Net Profit / Loss Dividend Paid / Payable 75

76

ANALYSIS OF BALANCE SHEET: (Applicable

for working capital & Term Loans)

77

LIABILITIES

As per Balance Sheet as of Last Two Current years Year Actuals Est. Foll. year Proj.

ASSETS

As per Balance Sheet as of Last Two years Actuals Current Year Est. Foll. year Proj

Current Liabilities 1 Short term borrowings from Bank a) from C.B.I. b) from others 2 3 4 5 6 Sub total (A) Short term borrowings from others Deposits (maturing in 1 year) Sundry Creditors (Trade) Unsecured Loans Advances/progress payments from customers/deposit from dealers Interest and other charges accrued, but not due for payment Provision for taxation Dividend payable Other statutory liabilities (due in 1 year) Installments of Term Loans/Deferred payment credits/debentures/ redeemable preference shares (due in 1 year) Other current liabilities and provisions(due in one year)

Current Assets 30 Cash & Bank balances 31 Investments a) Govt. & other Trustee securities b) FD in Banks a) Receivables other than deferred & export receivables(due in 1 year) b) Export Receivables Installments of deferred receivables Inventory a)Raw Materials (incl. stores) b) Stock in process c) Finished goods d)Other consumable spares Advances to suppliers of raw materials and stores/spares consumables Advance payment of taxes

32

33 34

7 8 9 10 11

35 36

12

37

Other Current Assets

78

13

Total Current Liabilities(A+B)

38

Total Current Assets

79

BALANCE SHEET SPREAD(CONTD) (Applicable

for working capital & Term Loans)

80

LIABILITIES

As per Balance Sheet as of Last Current Two Year years Est. Actuals Foll. year Proj.

ASSETS

As per Balance Sheet as of Last Two Current Foll. years Year Est. year Actuals Proj.

TERM LIABILITIES 14 Debentures (Not maturing in 1 yr) 15 Redeemable Pref. Shares 16 Term Loans 17 Deferred Payment Credits 18 Other Term Liabilities 19 Term Deposits 20 Total Term liabilities Total Outside liabilities 21 NET WORTH 22 Ordinary Share Capital 23 Preference Share Capital(maturing after 12 years 24 General Reserves 25 Development Rebate Reserves/Investment allowance 26 Other Reserves excl. provisions 27 Surplus (+) or Deficit (-) in P & L Account 28 Net Worth

FIXED ASSETS 39 Gross Block 40 Depreciation to date 41 Net Block OTHER NON CURRENT ASSETS 42 Investments/book debts/advances/ deposits a) Investments in subsidiary companies/ affiliates b) Advances to suppliers of capital goods/ c) Deferred receivable(maturing beyond 1 year) d) Others 43 Non consumable stores/ spares 44 Other Misc. assets including dues from directors 45 Total Other Non Current Assets 46 Intangible Assets 47 Total Assets 48 Tangible Net Worth (2846)

81

29 Total Liabilities

49 New Working Capital (38-13)

82

FINANCIAL INDICATORS: (Applicable for working capital & Term Loans)

(Rs. In crore)

83

FY Audited 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 Paid-Up Capital Reserves & Surplus Intangible Assets Tangible Net Worth Adjusted TNW Long term Liabilities Unsecured loans from Promoters / family included under (5) Capital Employed(4)+(6) Net Block Investments Non-Current Assets Current Assets Current Liabilities NWC Net Sales Domestic Export % growth Gross Profit EBIDTA Net Profit Before Tax Net Profit After Tax Depreciation Cash Accruals Long Term sources (8) Long Term uses (9+10+11) Surplus/Deficit Dividends On Equity Shares On Preference shares Average DSCR ( for proposed Term Loan)

FY Audited

FY Estim.

FY Projection

16 17 18 19 20 21 22 23 24 25 26

84

Key Financials up to last quarter(as per unaudited results in case of listed companies)

85

Parameter Period Latest Corresponding % Cumulative ended quarter quarter of last change up to this ended year quarter of current year

Cumulative % upto this change quarter of previous year

86

87

RATIOS: (Applicable for working capital & Term Loans)

88

FY Audited 1 2 3 4 Current Ratio Debt/Equity Ratio TOL/TNW Ratio TOL/TNW Ratio with unsecured loan as quasi capital & included in Net Worth Gross Profit margin % Net Profit margin % Debt/EBIDTA % FACR Return on Equity % Return on Assets % ROCE (PBDIT/TA) PBDIT/Interest (times)

FY Audited

FY Estim.

FY Projection

5 6 7 8 9 10 11 12

89

13

PAT/Operating Profit

90

Statutory Dues and other Contingent Liabilities.

91

92

93

APPLICABLE FOR WORKING CAPITAL FINANCE ONLY (Adjusted Sales= Net Sales+ Increase in FG& SIP)

94

S.No. 1 2 3 4 5 6 7 8 9 10 11 12 13 14 Total Inventory/Net sales Receivables/Gross Sales RM/Adj sales (%) Spares/ Adj sales (%) Power & Fuel/ Adj sales (%) Other Mfg Expenses/ Adj sales (%) Cost of Production/ Adj sales (%) Cost of Sales/ Adj sales (%) Net Sales/Total Tangible Assets (times) PBT/ Total Tangible Assets (%) Bank finance/Current Assets (%) Inventory to Net Sales (days) Receivables to gross Sales (days) Sundry Creditors/RM consumption

FY Audited

FY Audited

FY Estimates

FY Projections

95

Following documents to enclosed along with request letter: Memorandum & Article of Association/Deed of partnership in case of new account. Last 3 years balance sheet and Last year balance sheet in case of existing account. Income tax/Sales tax returns for 3 years in case of fresh account and of last one year in case of existing account. Projected Balance sheet /PL/Cash Flow in case request is for fresh term loan. TEV Study/Information memorandum in case of fresh term loan. Proof of identity of Directors/Partners. Asset & Liability statements of Directors/Partners and passport size photos, date of Birth. Copy of lease agreements, if applicable. Copies of all Statutory permissions. In case request is for take over of loan of other Bank , copy of sanction letter of facility being availed from other Bank, statement of account for the last 12 months . Photo Copies of title deeds of the properties being offered as security. Check list is only indicative and not exhaustive. Branch may ask for additional information/documents depending upon the requirement.

96