Bank loan documents · Rate list
Bank loan, CC/OD limit ya renewal ke liye jo financial documents chahiye, sab ek jagah. Rates pehle se likhe hain, UDIN ke saath CA ka sign, aur numbers aapke books, ITR aur GST se match.
Kaam mein kya shamil hai
Fees
Saari fees "se shuru" aur + GST hain. Books update hain aur ek hi business hai toh yahi fee lagti hai. Bada turnover ya complex case ho toh final fee kaam shuru hone se pehle likhit mein.
Audit se pehle ya saal ke beech bank ke liye
₹1,999 se shuru + GST
Turnover zyada ho ya books update nahi hain toh fee pehle likhit mein
Naya loan, renewal ya limit badhwani ho
₹2,999 se shuru + GST
Saalon ki sankhya aur business ke type ke hisaab se
CC/OD limit — naya ya renewal
₹4,999 se shuru + GST
Limit ₹5 crore se upar ho toh scope dekh kar quote
Term loan, Mudra, PMEGP, machinery loan
₹3,999 se shuru + GST
Bade project ya multiple units par scope dekh kar quote
Bank, visa, tender ya guarantee ke liye
₹1,499 se shuru + GST
Property valuation report alag se lagti hai
Provisional + projected + CMA ek saath
₹7,999 se shuru + GST
Alag-alag lene se lagbhag ₹2,000 ki bachat
Is page par di gayi jaankari general information hai, professional advice nahi. Positions facts aur us waqt ke law par depend karti hain — apne case ke liye humse baat kar lijiye.
Provisional, projected aur CMA alag-alag jagah banwane par aksar numbers nahi milte aur bank file wapas kar deta hai. Hum teeno ek hi data se banate hain.
Bank aapke ITR aur GST returns se turnover milata hai. Hum documents banane se pehle yahi check karte hain, taaki bank ke sawal na aayein.
Scope
Bank aur loan ke type ke hisaab se requirement badalti hai. Yeh aam pattern hai.
Provisional balance sheet, projected financials aur CMA data. Pichhle 2-3 saal ke ITR aur audited accounts bhi.
Updated CMA data, current saal ki provisional balance sheet, aur agle saal ke projections.
Project report, projected balance sheet aur DSCR. Quotation aur promoter contribution ka proof.
Shishu ke liye simple plan; Kishor, Tarun aur Tarun Plus mein projections aur project report.
Scheme ke format mein project report aur portal application support.
Net worth certificate, provisional statements aur ITR, jahan bank income proof maange.
Kanoon kya kehta hai
Har bank ka apna format hota hai, lekin dekhne ka tarika mostly ek jaisa hai.
MSE borrowers ke liye ₹5 crore tak ki working capital limit aam taur par projected annual turnover ke kam se kam 20% par assess hoti hai. Isliye projected turnover realistic hona chahiye.
Badi limits mein bank MPBF method se dekhta hai, jahan current ratio aam taur par 1.33 ke aas-paas expected hota hai. CMA data isi ka calculation dikhata hai.
Term loan mein bank dekhta hai ki kamai se EMI kitni baar cover hoti hai. Zyadatar bank average DSCR lagbhag 1.25 ya usse upar pasand karte hain.
| Service | Fee (se shuru, + GST) | Typical time |
|---|---|---|
| Provisional balance sheet + P&L | ₹1,999 | 2-3 working days |
| Projected / estimated balance sheet | ₹2,999 | 3-4 working days |
| CMA data | ₹4,999 | 4-5 working days |
| Project report | ₹3,999 | 4-6 working days |
| Net worth certificate | ₹1,499 | 1-2 working days |
| Turnover certificate | ₹999 | 1-2 working days |
| Stock / book-debt statement (CC account) | ₹999 per month | Har mahine |
| Loan file combo (provisional + projected + CMA) | ₹7,999 | 5-6 working days |
Ye baatein pehle se jaan lijiye
Pichhle saal se kai guna turnover ya profit dikhana bank ko shaq mein daalta hai. Realistic growth zyada kaam karti hai.
Provisional turnover agar GST returns ya ITR se bahut alag ho, toh bank sawal karta hai ya file rok deta hai.
Provisional ek se, CMA doosre se. Numbers match nahi karte aur dobara banwana padta hai.
CGA ka process
Loan ka type, amount aur bank ka format WhatsApp par bhejiye. Hum documents ki list aur kul fee bata dete hain.
Pichhle ITR, GST returns, bank statement aur current books. Books update nahi hain toh pehle wo.
Draft aapko bhejte hain. Projections aapke business plan se match karte hain, aap confirm karte hain.
Final document CA-signed, UDIN ke saath. Bank ki queries aayein toh jawab mein madad.
Documents
Yeh list taiyar rakhiye. Scan ya photo WhatsApp par bhej dijiye — case ke hisaab se list thodi badal sakti hai.
Zaroori
Saari fees "se shuru" aur + GST hain. Final fee kaam shuru hone se pehle likhit mein batayi jaati hai.
Documents aapke diye data aur books par based hote hain. CA sign sirf verification ke baad hota hai.
Loan sanction karna bank ka faisla hai. CGA documents aur file ki quality ki zimmedari leta hai, sanction ki guarantee nahi.
Jab saal ka audit ya ITR abhi nahi hua, tab current saal ki ab tak ki position dikhane ke liye provisional balance sheet aur P&L banti hai. Bank isse dekhta hai ki business abhi kaisa chal raha hai, khaas kar loan renewal ya naye loan ke time.
Estimated aam taur par chal rahe saal ke end ka andaza hota hai, aur projected aane wale 1 se 5 saal ka. Bank dono se dekhta hai ki loan ki EMI aur interest business ki kamai se chukaya ja sakta hai ya nahi.
Cash credit (CC) ya overdraft (OD) jaisi working capital limit lene, renew karne ya badhwane ke liye zyadatar bank CMA data maangte hain. Ismein past, current aur projected saalon ke numbers ek standard format mein hote hain.
Haan. Har document par CA sign karta hai aur ICAI ka UDIN hota hai, jise bank ICAI portal par verify kar sakta hai. Sign sirf documents aur books dekhne ke baad hi hota hai.
Nahi. Saari fees + GST hain aur "se shuru" hain. Agar turnover bada hai, books update nahi hain ya kai units hain, toh final fee kaam shuru hone se pehle likhit mein bata di jaati hai.
Loan sanction karna sirf bank ka faisla hai. Hum documents saaf, sahi aur bank ke format mein banate hain aur bank ki queries ka jawab dene mein madad karte hain, jisse file mazboot hoti hai. Sanction ki guarantee koi CA nahi de sakta.
Aur bhi
Loan ka type, amount aur bank bataiye. Hum documents ki list aur kul fee ek message mein bata denge.