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IDBI Bank Document Checklist

  • Proof of identity (Any one) - Voter's ID Card/ Passport/ driving license/ PAN Card (Compulsory for loan requirement of over Rs. 10 lakh) / signature identification from present bankers of proprietor, partner or Director (if a company).

  • Proof of residence - Recent telephone bills or, electricity bill or, property tax receipt or, passport or, voter-ID Card of proprietor, partner or Director (if a company)

  • Proof of business address

  • Proof of Minority

  • Last three years balance sheets of the units alongwith income tax/ sales tax returns etc. for cases of fund based limits of Rs.25 lacs and above.

  • Memorandum and Articles of Association of the Company/ Partnership Deed of partners, etc.

  • Assets and liabilities statement of promoters and guarantors alongwith latest income tax returns (for cases above Rs. 5 lakh).

  • Rent Agreement (if business premises on rent) and clearance from pollution control board, if applicable.

  • SSI/ MSME registration, if applicable

  • Projected balance sheets for the next two years in case of working capital limits and for the period of the loan in case of term loan.

  • In case of takeover of advances, sanction letters of facilities being availed from existing bankers/ Financial Institutions along with detailed terms and conditions.

  • Profile of the unit (includes names of promoters, other directors in the company, the activity being undertaken, addresses of all offices and plants, shareholding pattern etc. (APPLICABLE FOR CASES WITH EXPOSURE ABOVE Rs. 25 LACS).

  • Last three years' balance sheets of the Associate/ Group Companies (If any). (APPLICABLE FOR CASES WITH EXPOSURE ABOVE Rs.25 LACS)

  • Project report (for the proposed project if term funding is required) containing details of the machinery to be acquired, from whom to be acquired, price, names of suppliers, financial details like capacity of machines, capacity utilisation assumed, production, sales, projected profit and loss and balance sheets for the period till the proposed loan is to be paid, the details of labour, staff to be hired, basis of assumption of such financial details, etc. (APPLICABLE FOR CASES WITH EXPOSURE ABOVE Rs.25 LACS)

  • Review of account containing monthwise sales (quantity and value both), production (quantity and value), imported raw material (quantity and value), indigenous raw material (quantity and value), value of stocks in process, finished goods (quantity and value), debtors, creditors, bank’s outstandings for working capital limit, term loan limits, bill discounted. (APPLICABLE FOR CASES WITH EXPOSURE ABOVE Rs.25 LACS)

  • Photocopies of lease deeds/ title deeds of all the properties being offered as primary and collateral securities, wherever applicable.

  • Position of accounts from the existing bankers and confirmation about the asset being Standard with them. (In Case Of takeover).

  • Manufacturing process, if applicable, major profile of executives in the company, any tie-ups, details about raw material used and their suppliers, details about the buyers, details about major competitors and the company's strengths and weaknesses as compared to their competitors etc (APPLICABLE FOR CASES WITH EXPOSURE ABOVE Rs.25 LACS)
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