Personal Discussion Report

File number : NP Date of request : 01/02/2019

NA NA Date of report : 04/02/2019
1. Name of Customer MrsNP
(with DOB)
2. Name of business entity Individual Concern
3. Constitution of the Individual Concern
business entity
4. Registration no/ TIN no/ NP
CST no/ IEC no/ Excise no
Please mention document
checked if any
5.Proprietor/Partner/Direct Individual Concern
or/ Shareholders involved
(With profit sharing ratio /
shareholding pattern &
relationship with applicant)
6. Vintage in business Since last 9 years approx
7. No. of offices/ branches – NA
Details Whether owned/
rented, Area (in sq. feet)
8. Number of employees None.
Permanent/contractual
9.Business Profile (Detailed) Applicant is fashion (Dress) Designer by her profession. She
designs western and ethnic wears in her profession. As per
her, she designs dresses on requirement of her clients. She
deals in individual clients and also few designing companies
such as M/s. Gulal. She is operating as freelancer in her
profession. Her charges of dress designing start from Rs.
8,000/- approx as on. She represents her designs in her laptop
and Sketch basis to her clients.

Note: Further details were not shared regarding her profession

Her operating timing is not fixed.

As per applicant, her annual turnover is of Rs. 5 Lakhs to Rs. 6

Lakhs approx and net profit margin of 80% approx.
10. Five main customers - As per applicant she has fixed and refers clients in her
credit limit as compared to business. Her receipt transactions are on 100% cheque/NEFT
industry norms basis, She provides 1 month as credit facility to her fixed
clients.

Some of her fixed clients are as follows:

  M/s. Gulal
(Contact details not provided at the time of visit)

11. Five main suppliers - NA

credit limit as compared to
industry norms
12. Inventory for how many None
days with tentative value
13. Target Market Segment & NP
Competitors. USP?
15. Documents checked – NP
Cash book/ Kutchha challan
book etc.
16. Remuneration model – NA
Basis
17. Contracts with MNC’s, NP
Govt. Orgn, Fortune 500
companies etc.
18. Name of Bankers  She has saving account in BOB bank at Kandivali
branch since last 9 years approx
 She has saving account in Dena bank at Kandivali
branch since last 9 years approx
 She has saving account in Kotak bank at Kandivali
branch since last 1 year approx

19. Financial Status – as disclosed by the customer

AY 2018-19 AY 2017-18
Turnover or revenue NP NP
Gross Profit NP NP
Gross Profit Margin (%) NP NP
Net Profit NP NP
Net Profit Margin (%) NP NP
If turnover is fluctuating/ NA
decreasing/ showing steep
increase – Justification
If profit is fluctuating/ NA
decreasing/ showing steep
increase – Justification
Provisional sales for current NP
year (Pls collect Sales Tax/
VAT returns as proof)
Advance tax for current year NP

20. Borrowing Details for all obligations (To be reconciled from CIBIL report)
Loan Institution Sanction Outstandin EMI Loan Start date / Loan
type amount g End date
 Amount
None
21. Existing Home loans/ NA
LAP’s/ Terms loans –
Security details & Current
End use
In case of existing Home NA
loan/ LAP/ HIL from
another institution –
Whether interest in BT? If
not, reason thereof.

1. Group Concerns (second line of business)

Name of business entity None None
Business Type None None
Share of customer in business None None
Year Started None None
Nature of business None None
Operating from same premises None None
Turnover None None
Profit None None
Borrowings None None

2. Personal Profile
Personal details/ NA
qualification with year
of pass out and
University
Family background Her family consists of 4 members including her husband (Self
and dependents Employed at M/s. NJ Exports), Daughter (studying) and applicant
herself.
Residence owned or NA
rented with area
details
If premise is business No
cum residence,
whether office is
separately demarcated
Number of years in She has around 9 years of work experience in the same line of
experience profession.

3. Net worth details

Applicant Co-applicant
Shares/ debentures None NA
Property with details of
 NA NA
property
NP
LIC NA
Mutual fund NP NA
PPF/ NSC NP NA
Others She has FD of Rs. 23 Lakhs approx NA

4. Activity level seen at site

Business set-up Residential setup was seen at the time of visit.
Stock details NA
Machinery At the time of visit home appliances are seen.
Furniture At the time of visit AC, table, chairs etc was seen.
Location – Industrial/ Visited premise was located in the Residential area of
residential/ commercial Kandivali (W)
Name board displayed Business name Board was not seen
If no, give details

5. Discreet Check
Details of persons checked TPC was done with nearby premise of visited premise and got
with and response. positive feedback about applicant.
Details of persons checked ---
with and response.

6. Equity Loans
Details of end use of funds NA
Property details NA
Property owner/s NA
Property occupied by NA
Usage of property NA

7. Resale case
Seller’s details NA
Property details NA
Date of Purchase NA
Proposed purchase in whose NA
name
Current use of property NA

8. Direct Allotment
Property She requires HL of Rs. 20 Lakhs for purchasing new residential
premise located at Kandivali
Project NP
Cost Rs. 1 Cr approx
Own contribution details Rs. 80 Lakhs appox (Savings, Investment and Family members)
 9. Observation
Comfort factors
 Residential set up was seen.
 All the information was provided by the applicant at the
initiated address.
 Visited premise was located in the residential area of
Kandivali (W)
 Interior & exterior condition of the visited premise was good.
 At the time of visit, lights, fan, table, chairs, home
appliances, family members, etc were seen.
 She provided Pan Card, Aadhar Card etc for verification at
the time of visit.
 She showed few dress designs in her phone for
verification.
 TPC was done with nearby of the visited premise and got
positive feedback about applicant.
Discomfort factors  Business name board was not seen.
 Visiting card was not provided.
 She did not provide ITR of AY 2017-18 & AY 2018-19, any
purchase or sales bill, bank statement, shop act license,
Udyog Aadhar, GSTIN & Certificate, etc for verification.

10. Other remarks:

 She requires HL of Rs. 20 Lakhs for purchasing new residential premise for
Investment purpose.

11. Documents Collected (Observed) :

(As per applicant, she already submitted all the documents at HDFC)

12. Address visited NA

Person met NA
Designation Individual
Visited by NA
Date 02/02/2019
Time 12:30 PM
Name of authorized signatory

Mr. NA.
Signature and stamp of authorized
signatory

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