Small Business Loan Application Form Application Date D D M M Y Y Y Y RBL Bank Limited I/ We hereby request you to sanction the Loan based on the following: Type of Loan Secured Term Loan Unsecured Term Loan Loan Amount requested: v Purpose of loan Mudra Category Shishu Kishore Tarun Security Offered Residential Commercial Others ( Please Specify ) Rate of Interest Tenure Existing RBL Bank Customer Yes No If Yes, Customer ID Reference ID NON INDIVIDUAL DETAILS - APPLICANT Name Date of Incorporation D D M M Y Y Y Y PAN Form 60 / 61 Yes No (If PAN not available) Constitution 1 Individual 2 Sole Proprietorship 3 Partnership 4 Others (If others fi ll as per Bank s KYC policy ) Industry Type 1 Manufacturing 2 Trading 3 Service 4 Micro Enterprises 5 Others (If others fi ll as per Bank s KYC policy ) Annual Turnover (Avg. income for corp.) 1 0-5 Lakh 2 5-10 Lakh 3 10-25 Lakh 4 25 Lakh - 1 Cr. 5 1-5 Cr. Business Activity Number of Years in Business Number of Employees SSI Registration No. Name of The Contact Person Country Code STD Code Tel Nos. (For receiving SMS Alerts) Email ID Details of Partner/Director/Trustee/Karta/Authorised Signatory 1 Name Designation Customer ID No. (if existing customer) 2 3 4 INDIVIDUAL DETAILS - APPLICANT (fill new form for additional co-applicants) (Individual/Sole Prop./Managing Partner) Applicant Title 1 Mr. 2 Ms. 3 Mrs. 4 Dr. 5 Others ( Please Specify ) Full Name F I R S T M I D D L E L A S T Maiden Name (if any) Father/Spouse Name Mother s Name F I R S T M I D D L E L A S T Date of Birth D D M M Y Y Y Y Marital Status Married Unmarried Others Email ID Gender Male Female Third Gender / Trans Gender Nationality Indian Others (in case of others please fi ll another form) Education Level Undergraduate Graduate Post Graduate Professional Others Occupation Type S-Service / Salaried Professional Self Employed Retired Housewife Student B-Business X-Not Categorised Occupation (Self employed professional) Doctor CA/CS Lawyer Architect Engineer Consultant Agriculturist Others Source of Income Salary Business Income Investment Income Agriculture Others Gross Annual Income < 60K 60K-1.2 Lakh 1.2-2 Lakh 2-3 Lakh 3-5 Lakh 5-10 Lakh 10-50 Lakh > 50 Lakh PROOF OF IDENTITY (PoI) & PROOF OF ADDRESS (PoA) (Certifi ed copy of any one of the following PoI/PoA needs to be submitted) Proof of Identity (PoI) [ ] Proof of Address (PoA) [ ] (Given for Current Address / Permanent Address ) A-Passport Number Passport Expiry Date D D M M Y E A R B-Voter ID Card C-PAN Number D-Driving Licence Driving Licence Expiry Date D D M M Y E A R E-UID (Aadhaar) F-NREGA Job Card Z-Others Identifi cation Number (Any document notifi ed by the central government) 1
Small Business Loan INDIVIDUAL DETAILS - CO-APPLICANT (Individual/Sole Prop./Managing Partner) Co-Applicant Title 1 Mr. 2 Ms. 3 Mrs. 4 Dr. 5 Others ( Please Specify ) Full Name F I R S T M I D D L E L A S T Co-applicant is in relation with the main applicant:-- Maiden Name (if any) Father/Spouse Name Mother s Name F I R S T M I D D L E L A S T Date of Birth D D M M Y Y Y Y Marital Status Married Unmarried Others Email ID Gender Male Female Third Gender / Trans Gender Nationality Indian Others (in case of others please fi ll another form) Education Level Undergraduate Graduate Post Graduate Professional Others Occupation Type S-Service / Salaried Professional Self Employed Retired Housewife Student B-Business X-Not Categorised Occupation (Self employed professional) Doctor CA/CS Lawyer Architect Engineer Consultant Agriculturist Others Source of Income Salary Business Income Investment Income Agriculture Others Gross Annual Income < 60K 60K-1.2 Lakh 1.2-2 Lakh 2-3 Lakh 3-5 Lakh 5-10 Lakh 10-50 Lakh > 50 Lakh PROOF OF IDENTITY (PoI) & PROOF OF ADDRESS (PoA) (Certifi ed copy of any one of the following PoI/PoA needs to be submitted) Proof of Identity (PoI) [ ] Proof of Address (PoA) [ ] (Given for Current Address / Permanent Address ) A-Passport Number Passport Expiry Date D D M M Y E A R B-Voter ID Card C-PAN Number D-Driving Licence Driving Licence Expiry Date D D M M Y E A R E-UID (Aadhaar) F-NREGA Job Card Z-Others Identifi cation Number (Any document notifi ed by the central government) Category Religion FOR INDIVIDUAL / NON INDIVIDUAL APPLICANT CO-APPLICANT SC ST OBC Minority General Category SC ST OBC Minority General Hindu Sikh Muslim Zoroastrain Christian Buddhist Others Religion Hindu Sikh Muslim Zoroastrain Christian Buddhist Others Current Mailing Address / Operating Address Current Mailing Address / Operating Address Staying for Years & Owned Family Rented Staying for Years & Owned Family Rented Permanent Residential / Registered Address Same as Current Mailing Address Permanent Residential / Registered Address Same as Current Mailing Address Offi ce Address Same as operating address of entity (only in case of individual) Same as operating address of entity (only in case of individual) FATCA / CRS Annexure (only for individual) Residence for tax purpose in jurisdiction(s) outside in India Yes No FATCA / CRS Annexure (only for individual) Residence for tax purpose in jurisdiction(s) outside in India Yes No Constitution 1 Individual 2 Sole Proprietorship 3 Partnership 4 Others (If others fi ll as per Bank s KYC policy ) PSL Classification Direct Agri (101) Indirect Agri (102) Micro Mfg (103) Micro Service (104) Small Mfg (105) Small Service (106) Education (107) Housing Loan (108) Micro Credit (118) Unit activity Status Micro- Service Micro- Mfg Micro- Retail Small- Service Small- Mfg Small - Retail 2
Small Business Loan BANKING & EXISTING LOANS DETAILS A. Banking Account holder (Applicant) Name of bank & branch Account No. Current / Saving / CC or OD Since how many years B. Existing Loan Name of Lending Institution Purpose of loan Loan Amount Tenor of loan (Mths) Monthly Instalment Current Outstanding Balance Tenor (Mths) C. Trade Reference 1. Name Contact Person Address 2. Name Contact Person Address Contact No Relationship with applicant Contact No Relationship with applicant SECURITY DETAILS Particular Details a. Primary Stock/Debts/Others Market Value as on date (v in lakhs) b. Collateral i. Immovable Property Ownership Type Self Joint Others Name of the registered owner Relationship with Applicant/ Co-Applicant Property Address Area (In Sq. Ft) Age of the property in years Market Value as on date (v in lakhs) ii. Other Security Security Details Market Value as on date (v in lakhs) FD/LIC Policy/KVP/Shares/Bonds/Others DOCUMENTS CHECKLIST Pre-Sanction Documents 1. Profi le of the Firm and Promoters 2. Bank Statement for the last 6 months 3. Audited Financial Statement of the last 2/3 years along with the schedules, notes to accounts and Audit Report 4. ITR of the last 2/3 years along with all relevant Annexures 5. Self-Certifi ed Provisional Balance Sheet and P&L A/c of 20 6. Kuccha Bills, Sales & Purchase Register (Applicable for unsecured loans) 7. Sanction letter of any existing banking facility 8. Proof of Identity & age proof (Passport, Valid driving license, Voters ID Card, Pan card, Aadhar card) * Post Sanction Documents 1. Loan Agreement Booklet and other documents enclosed in the kit 2. Accepted copy of Sanction letter 3. Signature Verifi cation 4. ECS/SI/PDC/Security Cheques 9. Proof of Address & signature (Valid driving license, Leave & License Agreement, Register sale deed or sale agreement)* 10. Proof of Address of the fi rm: Latest Telephone Bill / Electricity Bill / Bank Statement / Leave and licence agreement (Any One) 11. Certifi cate of Registration of Firm (if registered) / Partnership Deed 12. SSI Registration, if applicable 13. VAT assessment order or Sales Tax Registration or License issued under Shop & Establishment Act or CST / VAT Certifi cate. 14. Property paper including Title Deed, Completion Certifi cate, Occupancy Certifi cate, Tax Receipt, Sanction Plan, etc. 15. Any other document / information as required on a case to case basis. * Note : - For SBB Loan additional details may be required by RBL Bank. - RBL Bank reserves the right to seek any additional document if required and the same shall be informed to the Applicant and/ or Co- Applicant. FOR OFFICE USE ONLY Branch Code LC Code LG Code Bus. Seg Product Code Sourcing Code Lead Generator RO s Name & EMP ID Signature Date: D D M M Y Y Y Y Place: Customer ID (Entity) Customer ID (App/Co-app) Customer ID (App/Co-app) DSB Industry - Others Residuary BSR Activity Code: Status of Applicant/Co-Applicant Individual Proprietorship Partnership Firm Investment in Plant and Machinery (manufacturing enterprise)/ offi ce equipment (Service enterprises): v 3
Small Business Loan BANK USE ONLY Know your customer details (KYC) Application Type* New Update Attestation / For Office Use Only Documents Received Self-Certifi ed True Copies Notary KYC Number Account Type* (Mandatory for KYC update request) Normal IN PERSON VERIFICATION CARRIED OUT BY Identity Verifi cation Done Date D D M M Y Y Y Y Emp. Name Emp. Code Emp. Designation Emp. Branch Name of Bank Offi cial/dse/dsa Signature of Bank Offi cial/dse/dsa Emp. ID Staff Indicator Staff ID Branch Code Constitution Individual Pensioner RBL Staff NRI (For RBL Bank Emp only) Other than RBL Do not call Customer Type Individual NRI HNI Sr. Citizen Promo Code LC Code (LG) Code Walk-in customer Yes No Preferred Customer ID Sourcing Code Lead Generator Primary Relationship Manager ID Weaker Section PEP CRPEP Only for Assets Business Segment BSR Type of Organization MIS Code.1 MIS Code.2 MIS Code.3 MIS Code.4 MIS Code.5 MIS Code.6 Risk Categorization: L M H CONFIRMATIONS / DECLARATIONS: I/We declare that all the particulars and information given in the application form is true, correct and complete and no material information has been withheld/suppressed. I/We shall advise the RBL Bank in writing of any change in my/our residential or employment/ business address or any such change which may affect my credit worthiness. I/We confi rm that the funds shall be used for the stated purpose and will not be used for speculative or antisocial purpose. I /We understand that the Bank reserves the right to retain the photographs and documents submitted with this application and will not return the same to me /us. I/We understand that the sanction of this loan is at the sole discretion of the Bank and upon my/our executing necessary security(ies) and other formalities as required by the Bank. I/We confi rm that I/we are not a director or a relative of director of other banks, not a fi rm in which a director or a relative of directors or other banks are interested partner/ guarantor, not a director/ senior offi cer/ relative of director or senior offi cer of the bank. I/We hereby authorize and give consent to the Bank to disclose, without notice to me/us, information furnished by me/us in application form(s)/ related documents executed in relation to the facilities availed from the Bank, to the Bank s other branches/subsidiaries/affi liates, Credit Bureaus/Rating Agencies, Services Providers, banks/fi nancial institution, governmental/ regulatory authorities, third parties for KYC information verifi cation, credit risk analysis, or for other related purposes that the Bank may deem fi t. I/We waive the privilege of privacy and privity of contract. I/We understand that the tenure /repayment /interest/other terms and conditions of the loan are subject to changes as a consequence to any changes in the money market conditions or on account of any other statutory or regulatory requirements or at the Bank s discretion. The Bank reserves that right to review and amend the terms of the loan to such extent as it may deem fi t. I/We understand that the purchase of any insurance products is purely voluntary, and is not linked to availment of any other facility from the Bank. I/We Consent / Do not consent to receive information/ service etc. for marketing purpose through Telephone/ /SMS/ E-mail by the Bank/ its agents. We confi rm that our Original Cost of Investment in Plant & Machinery / Equipment is Rs 0-10 lakhs 10-25 lakhs 25-200 lakhs 200-500 lakhs 500 lakhs plus I/We confi rm that I/we have read and understood the above Declaration, and that the details provided on the form are correct. In case any of the above information is found to be false or untrue or misleading or misrepresenting, I am aware that I may be held liable for it. I hereby consent to receiving information from Central KYC Registry through SMS/Email on the above registered number /email address. I/We confi rm that the funds shall be used for the stated purpose and will not be used for speculative or antisocial purpose. Entity s Authorized signatory Photo Applicant Photo Co-Applicant/ Guarantor Photo Signature of Authorised Person Signature of Authorised Person Signature of Authorised Person Name Name Name Clarification / Guidelines on filling Proof of Identity [PoI] : 1. If driving license number or passport is provided as proof of identity then expiry date is to be mandatorily furnished. 2. Mention identifi cation / reference number if Z- Others (any document notifi ed by the central government) is ticked. Document Code - Description: 01 Identity card with applicant s photograph issued by Central/ State Government Departments, Statutory/ Regulatory Authorities, Public Sector Undertakings, Scheduled Commercial Banks, and Public Financial Institutions. Clarification / Guidelines on filling Proof of Address [PoA] - Current / Permanent Address details : 1. PoA to be submitted only if the submitted PoI does not have an address or address as per PoI is invalid or not in force. MSME/Nov.2016/Ver. 1.1 4
Small Business Loan Application Form Application Date D D M M Y Y Y Y MOST IMPORTANT TERM & CONDITIONS MSME Loans Processing Fees Charges for late payment of EMI Issue of Duplicate Interest & Principal Certifi cate Duplicate no due certifi cate / NOC Cheque swapping charges Bounce Cheque Charges Charges for CIBIL report Part Pre-Payment Charges (For Secured Loans only) Foreclosure charges Documentation Fees (For MSE Loans) *Please see overleaf for more conditions Fees & Charges No processing fee for MSE Loans (Loans upto Rs. 5 Lacs) MSE 2 Loans: 2.0% of Loan Amount Secured Loans: 2.0% of Loan Amount for Rs. 10 Lacs and above 2% additional interest per month on overdue EMI amount Rs.50 No pre-payment charge upto 15% of outstanding principal in one year Prepayment above 15% of outstanding will be charged at 2% of amount paid 3% of principal outstanding Rs.7500 Small Business Loan Application Form Application Date D D M M Y Y Y Y MOST IMPORTANT TERM & CONDITIONS MSME Loans Processing Fees Charges for late payment of EMI Issue of Duplicate Interest & Principal Certifi cate Duplicate no due certifi cate / NOC Cheque swapping charges Bounce Cheque Charges Charges for CIBIL report Part Pre-Payment Charges (For Secured Loans only) Foreclosure charges Documentation Fees (For MSE Loans) *Please see overleaf for more conditions Fees & Charges No processing fee for MSE Loans (Loans upto Rs. 5 Lacs) MSE 2 Loans: 2.0% of Loan Amount Secured Loans: 2.0% of Loan Amount for Rs. 10 Lacs and above 2% additional interest per month on overdue EMI amount Rs.50 No pre-payment charge upto 15% of outstanding principal in one year Prepayment above 15% of outstanding will be charged at 2% of amount paid 3% of principal outstanding Rs.7500 5
Small Business Loan Application Form I/we confirm that the executive collecting the application/document has /have Informed me/us of the The applicable rate of interest and the type of interest (fi xed). Processing fees & Legal and Technical Valuation Charges (non-refundable) that will be charged towards loan application. The service tax as may be applicable that will be charged in connection with the fees. The other applicable charges such as cheque return charges, PDC swapping charges, Foreclosure charges etc. as mentioned in the attached Table. Details with respect to the EMI and amount will be communicated separately through a welcome letter post disbursement of loan. The credit decision is based on a credit model which includes factors like credit history, repayment track record, banking habits, business stability & cash fl ow analysis which is assessed through a combination of personal discussion and documentation. That: Incomplete / defective application will not be processed and RBL Bank. RBL Bank shall not be responsible in any manner for the resulting delay or otherwise. Equated Monthly Installment (EMI) will be due on 5th of every month or the date as specifi ed in the sanction letter/welcome letter. The loan Foreclosure charges are as per the Loan agreement. The Foreclosure charges are levied / calculated on the balance principal outstanding of the loan (subject to clause governing part prepayments). The Bank would update you about the loan decision in approximately 15 working days from the date of receipt of the completed application form and all the required documents. The loan terms as sanctioned are applicable for the specifi ed product as indicated in the loan application and are valid for period of 30 days only. Where for some reasons, there is a delay in concluding the loan. The Bank reserves the right to revise the loan terms as may be applicable at the time of actual loan availment. I/We also confirm that a) The executive has not made any commitments to me /us regarding the loan quantum / sanction process(or) promised any deviation / waivers. b) The executive has collected self attested copies of the documents mentioned on the front side and verifi ed the same with originals produced by me/us. c) We have not given/ made any payment in cash, bearer cheque or kind along with or in connection with this loan application to the said executive (or) to any other employee of the bank(or) to any other third party. Name of Bank Offi cial/dse/dsa: Applicant Name: Application Date D D M M Y E A R Applicant Signature Signature of Bank Offi cial/dse/dsa For Any queries / clarification please contact: Small Business Loan Application Form I/we confirm that the executive collecting the application/document has /have Informed me/us of the The applicable rate of interest and the type of interest (fi xed). Processing fees & Legal and Technical Valuation Charges (non-refundable) that will be charged towards loan application. The service tax as may be applicable that will be charged in connection with the fees. The other applicable charges such as cheque return charges, PDC swapping charges, Foreclosure charges etc. as mentioned in the attached Table. Details with respect to the EMI and amount will be communicated separately through a welcome letter post disbursement of loan. The credit decision is based on a credit model which includes factors like credit history, repayment track record, banking habits, business stability & cash fl ow analysis which is assessed through a combination of personal discussion and documentation. That: Incomplete / defective application will not be processed and RBL Bank. RBL Bank shall not be responsible in any manner for the resulting delay or otherwise. Equated Monthly Installment (EMI) will be due on 5th of every month or the date as specifi ed in the sanction letter/welcome letter. The loan Foreclosure charges are as per the Loan agreement. The Foreclosure charges are levied / calculated on the balance principal outstanding of the loan (subject to clause governing part prepayments). The Bank would update you about the loan decision in approximately 15 working days from the date of receipt of the completed application form and all the required documents. The loan terms as sanctioned are applicable for the specifi ed product as indicated in the loan application and are valid for period of 30 days only. Where for some reasons, there is a delay in concluding the loan. The Bank reserves the right to revise the loan terms as may be applicable at the time of actual loan availment. I/We also confirm that a) The executive has not made any commitments to me /us regarding the loan quantum / sanction process(or) promised any deviation / waivers. b) The executive has collected self attested copies of the documents mentioned on the front side and verifi ed the same with originals produced by me/us. c) We have not given/ made any payment in cash, bearer cheque or kind along with or in connection with this loan application to the said executive (or) to any other employee of the bank(or) to any other third party. Name of Bank Offi cial/dse/dsa: Applicant Name: Application Date D D M M Y E A R Applicant Signature Signature of Bank Offi cial/dse/dsa For Any queries / clarification please contact: 6