UNION BANK OF INDIA
Small Business Transport Operators*
Interview-cum-appraisal Form.
______________ BRANCH
Application for Term Loan / working Capital Advances
Personal data
Business address
Constitution
 Proprietory
 Partnership
Proprietor / Partners / Office bearers
NAME
Details of existing vehicles
Type
Year of MFR
 Co-op.Society
AGE
Cost Price
PREVIOUS EXPERIENCE
Present
Estimated
value
Income
derived
Details of loans
taken there
against
Vehicle to be driven by applicant
Staff employed
 Yes
 No
No. of Dependents
Minimum sustenance reqd. Present Monthly income
Rs.
If owning land, its Size (Sq.mts.)
Rs.
Belongs to scheduled caste/tribe
 Yes
 No
 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
Necessary Permit/
Licence obtained
Load
Kgs
 Yes
Route/area where vehicle will operate
 No
Anticipated monthly
earnings
Rs.
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
Monthly repayment towards proposed bank loan
Monthly repayment towards other borrowings (specify)
Total
Rs.
Rs.
Rs.
Rs.
Rs.
(A)
(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.
v) Any other (Outside)Income
Rs.
vi) Total Income (iv+v)
Rs.
(A)
(B)
Expenses per month :
Rs.
Fuel cost per month = XYZ
N
Where
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.
Surplus : B-C
Rs.
Income Tax, if any
Rs.
Net Surplus
Rs.
Depreciation added Back
Rs.
Net Cash Accruals
Rs.
Cb/arvind
(C)