Sample
Completed Loan Application
Secured MSME Term Loan — ₹3,50,00,000
Application No. RFC/DEMO/2025/0001 · Submitted 12 March 2025
Sanctioned
1. Borrower
Entity
Aravali Precision Components Pvt. Ltd.
Constitution
Private Limited Company
CIN
U28999RJ2014PTC047512
PAN
AAGCA1234K
GSTIN
08AAGCA1234K1Z9
Udyam
UDYAM-RJ-17-0034521
Incorporated
18 June 2014
Industry
Auto-component manufacturing (Tier-2 supplier)
Registered address
Plot 142, RIICO Industrial Area, Phase-III, Bhiwadi, Rajasthan 301019
Primary contact
Ms. Priya Sharma · CFO · priya@aravaliprecision.in · +91 98290 41122
2. Promoters & shareholding
| Name | Role | PAN | Holding | Net worth |
|---|---|---|---|---|
| Rajesh Sharma | Managing Director | ABCPS5521J | 58% | ₹8,45,00,000 |
| Priya Sharma | Whole-time Director / CFO | ABDPS9912L | 32% | ₹4,12,00,000 |
| Vikram Sharma | Director | ABFPS4410M | 10% | ₹1,87,50,000 |
3. Financial snapshot
Revenue (FY24)
₹41,20,00,000
EBITDA (FY24)
₹6,84,00,000
PAT (FY24)
₹3,12,00,000
Net worth
₹14,25,00,000
Total debt (existing)
₹5,80,00,000
Debt / EBITDA
0.85×
Interest coverage
4.6×
Avg. bank balance (12m)
₹97,50,000
4. Facility requested & sanctioned
Facility type
Secured Term Loan
Sanctioned amount
₹3,50,00,000
Tenor
48 months
Interest rate
14.25% p.a. (floating, RFC-PLR -1.25%)
Moratorium
3 months (principal)
Repayment
Monthly EMI via NACH
Processing fee
1.25% + GST
Disbursement
Net of processing fee and 1-month EMI reserve
Purpose
Capex for new CNC machining line and incremental working capital
5. Collateral
Security type
Industrial Property — Equitable Mortgage
Asset
Factory unit, Plot 142, RIICO Industrial Area, Phase-III, Bhiwadi
Area
1,860 sq m (built-up 1,420 sq m)
Owner
Aravali Precision Components Pvt. Ltd. (self-owned)
Market value
₹8,20,00,000
Forced sale value
₹6,15,00,000
LTV
42.7% on market value · 56.9% on FSV
Valuer
Empanelled — M/s Mehta Valuers & Engineers (IBBI Reg. IBBI/RV/06/2019/11432)
Valuation date
02 March 2025
Legal opinion
Clean — by Adv. S. K. Bansal & Associates (03 March 2025)
Insurance
ICICI Lombard · Sum insured ₹6.5 Cr · Bank clause endorsed · valid till 11 Mar 2026
6. Guarantees
- Personal guarantee of Mr. Rajesh Sharma (MD)
- Personal guarantee of Ms. Priya Sharma (CFO)
7. KYC & document checklist
Certificate of Incorporation Verified
MOA & AOA Verified
Company PAN Verified
GST Registration (08AAGCA1234K1Z9) Verified
Udyam Registration Verified
Board Resolution for borrowing Verified
Audited financials FY22, FY23, FY24 Verified
Bank statements — 12 months (HDFC, ICICI) Verified · auto-parsed
GST returns — 24 months Verified · pulled via consent
CIBIL Commercial + Consumer reports (promoters) Pulled — score 762
Title deed, EC, mutation records (collateral) Verified
Property valuation report Verified
Legal opinion (collateral) Clean
Insurance policy with bank clause Endorsed
8. Sanction conditions
- 1Equitable mortgage to be created and CERSAI filing completed prior to disbursement.
- 2ROC charge (Form CHG-1) to be filed within 30 days of disbursement.
- 3NACH mandate registered on operating account (HDFC ****4421).
- 4Escrow over receivables from top-3 OEM customers (Maruti-Suzuki, Hero MotoCorp, Bajaj Auto).
- 5End-use certificate from statutory auditor within 90 days of drawdown.
- 6Quarterly stock + debtor statements; annual audited financials within 180 days of FY close.
9. Processing timeline
- Application submitted12 Mar 2025
- KYC + bank-statement parse complete13 Mar 2025
- Credit memo issued16 Mar 2025
- Property valuation & legal opinion received17 Mar 2025
- Credit committee — Approved18 Mar 2025
- Sanction letter issued19 Mar 2025
- Disbursement (net of fee + reserve)21 Mar 2025
Total time from submission to disbursement: 9 days.
This is a fictional, illustrative example of a completed Red Fort Capital loan file. It does not represent a real borrower, sanction or commitment. Actual sanction terms depend on credit assessment of each applicant.