Appraisal Form For Small Business Transport Operators

UNION BANK OF INDIA
______________ 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 there for
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 : Days

i)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