______BRANCH / Small Business Transport Operators*
Interview-cum-appraisal Form.
Application for Term Loan / working Capital Advances
Personal data
Business address
Constitution
Proprietory Partnership Co-op.Society
Proprietor / Partners / Office bearers
NAME / AGE / PREVIOUS EXPERIENCE
Details of existing vehicles
Type / Year of MFR / Cost Price / Present Estimated value / Income derived / Details of loans taken there against
Vehicle to be driven by applicant
Yes No / Staff employed
No. of Dependents / Minimum sustenance reqd.
Rs. / Present Monthly income
Rs.
If owning land, its Size (Sq.mts.)
Yes No / Belongs to scheduled caste/tribe
Yes No
Details of vehicle proposed to be purchased
Type / Make / Year of MFR / Fuel used / Dealer’s name & address
Cost : (Enclose proforma Invoice/two valuation certs. @ From reputed dealers / work
shops).
I) Chassis:Rs.
II) Body building:Rs.
III) Others:Rs.
Total:Rs.
(%) Applicant’s Contribution (%) :Rs.
Loan Required:Rs.
( 2 )
If working Capital loan reqd, details of purpose, amount involved (enclose estimates / Invoices)
Amount of working capital reqd. Rs.
* All categories of motor driven transport@ In case of Second-Hand vehicles
Operational Viability
Carrying capacity of vehicles
Persons
Load Kgs / Necessary Permit/
Licence obtained
Yes No / Anticipated monthly
earnings
Rs.
Route/area where vehicle will operate
Factors assuring applicant of achieving above earnings/successful business in his area
Particulars of Sales Tax & Income Tax assessments
Repayment
Start up period required with reasons therefor
Monthly repayment towards existing bank loan / Rs.
Monthly repayment towards proposed bank loan / Rs.
Monthly repayment towards other borrowings (specify) / Rs.
Total / Rs. (A)
Rs. (B)
Debt service ratio : B:A
Security
Any other remarks
Date :
Place :
Name of Bank Official
Interviewing applicant Signature of applicant
( 3 )
Transport Operators-Operational Viability
Income per month : / Daysi)No. of days in a month the vehicle will ply
ii) No. of kilometers it will run per day / Kms.
iii) Fare/rate per Kilometer / Rs.
iv) Average Income per month / Rs. (A)
v) Any other (Outside)Income / Rs.
vi) Total Income (iv+v) / Rs. (B)
Expenses per month :
Fuel cost per month = XYZ
N
Where / Rs.
X = No. of Days the vehicle will run per month
Z = Cost of fuel per Litre.
Y = Kilometers run per day.
N = No. of kilometers the vehicle will run per Litre.
i) Motor and other Municipal Taxes / Rs.
ii) Insurance Premium / Rs.
iii) Garage rent / Rs.
iv) Depreciation / Rs.
v) Interest on borrowing / Rs.
vi) Maintenance expenses / Rs.
vii) Vost of oil, spares etc. / Rs.
viii) Staff Salary / Rs.
ix) Drawings of the operator / Rs.
x) Others / Rs.
Total expenses / Rs. (C)
Surplus : B-C / Rs.
Income Tax, if any / Rs.
Net Surplus / Rs.
Depreciation added Back / Rs.
Net Cash Accruals / Rs.
Cb/arvind