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| | HELP
DESK | | |
 What
to Submit and When
Essential
elements in a Project Report
What to Submit and When:
Following is a check list of basic
documents required by KFC for processing a
loan application.
The documents in 'A'
category are to be furnished before
registration of application.
The documents in
'B' category, if they are not
given at the time of registration, should be provided
immediately after that, at least
at the time of documentation.
| | A |
| . | Two
copies of application form duly filled. | | . | SSI
Regn./DGTD/Industrial license. | | . | Project
report as per proforma-1 for loan above Rs.10 Lacs. | | . | Firm
registration/Partnership deed/Certificate of Registration/Memorandum & Articles
of Association/ Certified Bye-law of society and its evidence for registration |
| . | Affidavit
of Proprietor/Partners/Directors. | | . | Audited
Balance Sheet/Profit and Loss accounts of associated concerns/units,
if any, for the past 3 years. | | . | Two
different quotations for major raw materials. | | . | Three
comparative quotations for machinery/testing equipment/other items, dies, moulds,
etc. as required. | | . | Machinery
layout/detailed specifications/catalogue consisting of technical specifications. |
| . | Plan
and detailed estimate of the industrial building and other works. |
| . | Quotation
for electrification of building | | . | Site
plan with building/layout plan indicating the roads. | | . | Feasibility
certificate for power from KSEB. | | . | A
market study for all projects where loan is above Rs.15 Lacs. |
| . | Original
title deed(s) / lease deed/rent deed. | | . | Encumbrance
certificate. | | . | Copy
of the document if any shown in the Encumbrance certificate other than the present
and prior title deeds. | | . | Order
of allotment of land/shed or both in case of industrial estate. |
| . | Certified
copy of resolution passed by the Board of Directors to apply for loan. |
| . | Consent
letter from any commercial bank for working capital finance. |
| | B |
| . | Bio-data
of technical/management personnel. | | . | Income
tax clearance for loan above Rs.15 Lacs. | | . | Building
construction permit from local authority. | | . | Approved
plans by the concerned authorities | | . | Latest
tax receipt (land, building etc.). | | . | Certified
survey plan from the Village Officer. |
A
Project Report in Brief
The
Project report should contain the following essential details
| . | Land
and location, Promoters, their back ground, reasons for the selection of the industry
and product lines / solvency. | | . | Building:
Plinth area, type of construction, cost of construction - separate for administrative
blocks and factory - detailed plan and estimate along with plant layout. |
| . | Plant
and Machinery: List of machinery with full description and source of supply
and cost. A layout plan of the machinery according to the process - cost
of miscellaneous assets. | | . | Manufacturing
Process and technical know how. | | . | Effluent
disposal. | | Utilities:
Power - source, availability, requirements and cost estimates of electrification
and contribution to KSEB.Water - source, availability, requirements, and cost
of arranging the same. | | . | Transport:
Mode of transport. | | . | Communication
: Telecommunication, feasibility of getting - cost. | | . | Raw
materials: List of raw materials, quantity requirements, sources of supply,
controlled or scarce suppliers -arrangements made for a continuous supply. |
| . | Manpower
requirements with annual wage bill. | | . | Products:
Product mix and estimated annual sales - local, through agency - distribution
system - competitors and their capacities. | | . | Working
Capital - requirements - arrangements made with commercial banks - requirement
of margin. | | . | Cost
of production and profitability. | | . | Break-even
analysis. | | . | Projected
balance sheet and cash flow for ten years. | | . | Schedule
of implementation of the project. | | . | Repayment
schedule. | | . | Detailed
market study report should be produced by the promoters where the cost of the
project is above Rs.30 lakhs. |
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