+
| PD Initiated Date | : | '.$pd_master_details[0]['createdon'].' | '; + echo '||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| PD Visit Date | : | '.$pd_master_details[0]['pd_visit_date'].' | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| PD Report Date | : | '.$pd_master_details[0]['pd_report_generated_date'].' | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| PD Initiated by | : | '.$pd_master_details[0]['branch_name'].' Branch | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Loan Application ID | : | '.$pd_master_details[0]['lender_applicant_id'].' | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Product | : | '.$pd_master_details[0]['product_name'].' | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Customer Segment | : | '.(explode('-',$pd_master_details[0]['customer_segment_name'])[0]).' | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Loan Amount (As Per PD Initiation) | : | ₹' .' '. MYUTIL::customIndianNumberFormat($pd_master_details[0]['loan_amount']). ' ('. MYUTIL::numtowords($pd_master_details[0]['loan_amount']) .') |
| Loan Amount (As Per Loan Applicants during PD) | : | ₹' .' '. MYUTIL::customIndianNumberFormat($loan_form['loan_amount']). ' ('. MYUTIL::numtowords($loan_form['loan_amount']) .') |
Disclaimer: '. $lender_disclaimer[0]['disclaimer'] .'
'; + + } + + echo 'Registered / Corporate Office: SineEdge Consulting Private Limited. A-211, Pioneer Urban Square, Golf Course Extension Road, Sector 62, Gurgaon, Haryana - 122002
'; + ?> + + + + + + $individual) + { + //print_r($individual);die(); + if($individual['is_person_met'] == true) + { + //array_push($person_met_images); + $temp_person_met = array(); + $applicant_name = $individual['applicant_name']; + //$applicant_name = array_key_exists('pd_co_applicant_id_master',$individual) ? $individual['pd_co_applicant_id_master'] : "Not Available" ; + //echo 'Person(s) Met:
'; + echo ''.$person_met_details.'
'; + + //if($display_for_person_met != "" || $display_for_person_met != null){ + echo 'Loan Applicants:
+| Name | Age (Yrs/Mns) | Qualification / Type of Entity | Relationships |
|---|---|---|---|
| '.$title.' '.$applicant_name.' | '.$individual['age'].' | '.$education_qualification.' | ';
+
+ $company_relationship_data = null;
+ //print_r($general_form['company_with_relationships']);
+ foreach($general_form['company_with_relationships'] as $company_with_relationship)
+ {
+
+ //print_r($company_with_relationship);
+ if($individual['pd_co_applicant_id'] == $company_with_relationship['applicant_name'])
+ {
+ //FInd Company Name from JSON
+
+ //echo "ONCE";
+ $company_relationship_data = ($company_with_relationship['company_relationship_master'] .' '.$company_with_relationship['company_name']);
+
+ $company_relationship_data.=' '; + } + } + + $personal_relationship_data = null; + foreach($general_form['persons_with_relationships'] as $persons_with_relationship) + { + + + + if(($individual['pd_co_applicant_id'] == $persons_with_relationship['pd_co_applicant_id'] || !strcasecmp($applicant_name,$persons_with_relationship['applicant_name']))&& isset($persons_with_relationship['relationship'])) + { + + + if( isset($persons_with_relationship['relation_to_master'])) + { + $RSNA = $persons_with_relationship['relation_to_master']; + if(isset($persons_with_relationship['relationship_master'])) + { + $personal_relationship_data .= $persons_with_relationship['relationship_master'] .' of '. $RSNA; + + $personal_relationship_data.=' '; + } + } + } + } + $company_relationship_data .= $personal_relationship_data; + echo substr_replace($company_relationship_data, '', strrpos($company_relationship_data, ' '),strlen($company_relationship_data)); + + echo " |
| '. $ind_company['company_name'] .' | '. $ind_company['business_years']. (isset($ind_company['business_month']) ? ' . ' . $ind_company['business_month']: null) .' | '. ( $ind_company['business_entity_type'] == 1 ? $ind_company['business_entity_type_other'] : $business_entity_type_master[ $ind_company['business_entity_type'] ] ).' | Not Applicable |
| Actual Score | Max Score | Score % | |
|---|---|---|---|
| General Section Score | |||
| Business Section Score | |||
| Final Remarks Score | |||
| Final PD Score |
| Business Related Parameters Impacting Score | Response | |
|---|---|---|
| '. $business_captions[$bsk] .' | '. ' | '. ucfirst($answer).' |
| Other Parameters Impacting Score | Response | |
|---|---|---|
| '. $general_captions[$gsk] .' | '. ' | '. $answer.' |
PD LOCATION
+ +Address at which PD was initiated: '.$pd_address['address'].', '.$pd_address['city_master'].', '.$pd_address['state_master'].' - '.$pincode.'.';
+
+ echo '
Address at which PD Visit actually done: '.$pd_alternative_address['alternative_address'].', '.$pd_alternative_address['city_master'].', '.$pd_alternative_address['state_master'].' - '.$alter_native_pincode.'.';
+
+ echo '
Reasaon for change in PD address:'.$pd_alternative_address['reason_for_alternative_address'];
+
+ }
+ else
+ {
+
+ echo 'PD Location Address : '.$pd_address['address'].', '.$pd_address['city_master'].', '.$pd_address['state_master'].' - '.$pincode.'.';
+ }
+
+ echo '
GPS Coordinates of location where PD Visit was done : '.$pd_master_details[0]['start_location'];
+ echo '
';
+ ?>
+ $com_value)
+ {
+ if($com_value['pd_document_title'] == 'satellite')
+ {
+ $satellite_url = $com_value['doc_url'];break;
+ }
+ }
+ }
+
+ ?>
+
+
+
+
| PD Location Approach | Name Board of Business/Entrance |
|---|---|
|
+
+ |
+ |
+
| '.$pd_location_approach_img_date; ?> |
Location Summary
+ '; + echo 'The PD visit was done at '. $address_type. 'Address Form - Type of Address of the loan applicants. '; + echo 'The '.$address_type.'Address Form - Type of Address is '.$property_owner_type.'Business Assest Form - Owner of the Property and the business has been in operation from here for the last '.$yrs_being_run.'Business Assest Form - Business running Yrs in this premise .'; + echo 'LOAN DETAILS:
+ During the PD visit, '.$main_applicant_name.', provided the following information about loan applied for:'; + + $is_current_product_bl = $pd_master_details[0]['product_abbr'] == "BL" ? true: false; + $is_current_product_lab = $pd_master_details[0]['product_abbr'] == "LAP" ? true: false; + $is_current_product_laep = $pd_master_details[0]['product_abbr'] == "LAEP" ? true: false; + // echo $pd_master_details[0]['product_abbr']; + // echo '-bl-'. $is_current_product_bl; + // echo '-lap-'.$is_current_product_lab; + // die(); + $loan_table_dispaly_rows = array(); + + $loan_table_dispaly_rows[] = array('particulars' => 'Total Loan Amount applied for','details' => "₹"." ".$loan_amount.' ('.MYUTIL::numtowords($loan_form['loan_amount']).')'); + if($is_current_product_bl || $is_current_product_laep) + { + $to_dispaly = !strcasecmp($loan_form['is_there_total_fund'], 'yes disclose') ? ('Disclosed '."₹"." ".MYUTIL::customIndianNumberFormat($loan_form['fund_amt']).' ('.MYUTIL::numtowords($loan_form['fund_amt']).')'):'Not Disclosed'; + $loan_table_dispaly_rows[] = array('particulars' => 'Total Fund Requirement','details' => $to_dispaly); + } + $loan_table_dispaly_rows[] = array('particulars' => 'Loan Tenure expected','details' => $loan_form['loan_tenure'].' Months'); + + $end_use = ''; + $to_remove_for = false; + foreach($loan_form['end_use_master'] as $enduse) + { + if(strpos(strval($enduse), 'Others') === false) { $end_use.= $enduse.' and ';} + else { + + $to_remove_for = true; + $end_use.=$loan_form['end_use_other'].' and'; + } + } + $end_use = substr_replace($end_use, '', strrpos($end_use, 'and'),strlen($end_use)); + //echo substr($end_use,0,3); + + + if(strcasecmp(substr($end_use,0,3),'for')) + { + if(!(count($loan_form['end_use_master']) == 1 && $to_remove_for)) + { + $end_use = 'For '.$end_use; + } + } + + $loan_table_dispaly_rows[] = array('particulars' => 'Loan Purpose','details' => $end_use); + + // if(strcasecmp($loan_form['is_transfer'],'no')) + // { + + // $loan_table_dispaly_rows[] = array('particulars' => 'Balance Transfer Amount','details' => "₹"." ".MYUTIL::customIndianNumberFormat($loan_form['balance_transfer_amount']).' ('.MYUTIL::numtowords($loan_form['balance_transfer_amount']).')'); + + // $loan_table_dispaly_rows[] = array('particulars' => 'Top Up Amount applied for','details' => "₹"." ".MYUTIL::customIndianNumberFormat($loan_form['topup_amount']).' ('.MYUTIL::numtowords($loan_form['topup_amount']).')'); + + // $loan_table_dispaly_rows[] = array('particulars' => 'End Use of Topup','details' => ( strcasecmp('others',$loan_form['end_use_topup_master'])) ? $loan_form['end_use_topup_master'] : $loan_form['other_end_use_topup'] ); + + + // $loan_table_dispaly_rows[] = array('particulars' => 'Balance Transfer from','details' => $loan_form['lender'] == 1 ? $loan_form['other_bt_lender']: $loan_form['lender_master']); + + // } + // else{ + // //echo 'sdn-'.((!$is_current_product_bl) && !$is_current_product_lab); die(); + // if((!$is_current_product_bl) && !$is_current_product_lab && !$is_current_product_laep) + // { + // $loan_table_dispaly_rows[] = array('particulars' => 'Amount of Own Contribution','details' =>"₹"." ".MYUTIL::customIndianNumberFormat($loan_form['own_contribution']).' ('.MYUTIL::numtowords($loan_form['own_contribution']).')' ); + // $source_of_own_contribution = null; + + // foreach($loan_form['source_of_own_contribution_master'] as $own_source) + // { + // if(strpos(strval($own_source), 'Others') === false) { $source_of_own_contribution.= $own_source.' and ';}else{ $source_of_own_contribution.=$loan_form['other_source'].' and '; } + // } + // $source_of_own_contribution = substr_replace($source_of_own_contribution, '', strrpos($source_of_own_contribution, ' and '),strlen($source_of_own_contribution)); + + // $loan_table_dispaly_rows[] = array('particulars' => 'Source of Own Contribution','details' => $source_of_own_contribution); + // } + // } + + // $loan_table_dispaly_rows[] = array('particulars' => 'EMI Comfortable Paying','details' => $rupee_symbol." ".MYUTIL::customIndianNumberFormat($loan_form['emi_level']).' ('.MYUTIL::numtowords($loan_form['emi_level']).')' ); + + if(!$is_current_product_bl && !$is_current_product_laep) + { + + if(isset($loan_form['property_type_master']) && $loan_form['property_type_master'] != "") + { + $loan_table_dispaly_rows[] = array('particulars' => 'Type of Property Being Mortgaged','details' => substr_count($loan_form['property_type_master'],'Others') ? $loan_form['property_type_others'] : $loan_form['property_type_master']); + + $owners_list = null;foreach($loan_form['owners_list_master'] as $owner){ $owners_list.=$owner.' and '; } + $owners_list = substr_replace($owners_list, '', strrpos($owners_list, 'and'),strlen($owners_list)); + $loan_table_dispaly_rows[] = array('particulars' => 'Name of the current / proposed owner(s) of the Property being Mortgaged','details' => $owners_list); + + $loan_table_dispaly_rows[] = array('particulars' => 'Status of Construction','details' => $loan_form['construction_status_master']); + + $loan_table_dispaly_rows[] = array('particulars' => 'Estimated Market Value of the property being mortgaged','details' => $rupee_symbol." ".MYUTIL::customIndianNumberFormat($loan_form['emv_per_customer']).' ('.MYUTIL::numtowords($loan_form['emv_per_customer']).')'); + } + } + + if(isset($loan_form['property_seller']) && $loan_form['property_seller'] != '') + { + $loan_table_dispaly_rows[] = array('particulars' => 'Current Owner/Seller of the property','details' => $loan_form['property_seller'] ); + + + } + + if(isset($loan_form['address']) && $loan_form['address'] != '') + { + $address_of_owner_seller_property = $loan_form['address'] . (isset($loan_form['city_master']) ? ', '.$loan_form['city_master'] : '') . (isset($loan_form['state_master']) ? ', '.$loan_form['state_master'] : '') . (isset($loan_form['pincode_master']) ? ', '.$loan_form['pincode_master'] : ''); + + $loan_table_dispaly_rows[] = array('particulars' => 'Address of the property','details' => $address_of_owner_seller_property ); + } + //print_r($loan_table_dispaly_rows); + ?> +| S.No | Loan Particulars | Loan Particular Details |
|---|---|---|
| '.($row_key + 1)." | ".$row['particulars']." | ".$row['details'] ." |
+
Company / Firm Name :
+
Business Entity Type :
+
+
Date of Incorporation :
+
+
Business Vintage :
+
| Name | +Share Holding | +No.of Years in Current Business | +Total Work Experience(Yrs) | +Previous Experience | +Started Business | +
|---|---|---|---|---|---|
| + | + | + | + | + | + |
Key Products and Area of Operations
+ + +| Key Products | +Area of Operations | +Area of Sale / Service | +Area where Max Sale / Service done | +
|---|---|---|---|
| + | + | + + + + + | ++ |
Brief of the Business / Service Model
+| Product / Service | Process Brief |
|---|---|
| '.$process_brief['description'].''; ?> |
Key Products and Area of Operations
+ + +| Key Products | +Area of Operations | +Area of Sale / Service | +Area where Max Sale / Service done | +
|---|---|---|---|
| + | + | + + + + + | ++ |
Brief of the Business / Service Model
+| Product / Service | Process Brief |
|---|---|
Key Products and Area of Operations
+ + +| Services | +Area of Operations | +Area of Sale / Service | +Area where Max Sale / Service done | +
|---|---|---|---|
| + | + | + + + + + | ++ |
Brief of the Business / Service Model
+| Product / Service | Process Brief |
|---|---|
Key Products and Area of Operations
+ + +| Key Products | +Area of Operations | +Area of Sale / Service | +Area where Max Sale / Service done | +
|---|---|---|---|
| + | + | + + + '.$fetchRow['total_per_of_export'].' % of total sales is export.'; + } + ?> + + | ++ |
Brief of the Business / Service Model
+| Product / Service | Process Brief |
|---|---|
| Other Business Activity | +
|---|
| + |
The below documents were sighted during the visit :
+|
+
+
+ |
+ ';
+ $from_index_increment = $from_index_increment+2;
+ } ?>
+
+
No other assests used for business.
'; + } + if($business_assets_form_remark != "" ){ echo ''.$business_assets_form_remark.'
'; } + + + } // ENd of if business assesst available in this current index + ?> + + + + + + + + ↑ /↓'; + + if(isset($pd_processed_forms[14][$business_count])) + { + $baRow = $pd_processed_forms[14][$business_count]; + $businessFinancialRow = json_decode($baRow['processed_json'],true); + //print_r($businessFinancialRow['estimated_value'][0]['estimate_posmachine_or_cc_annual_sales']);die(); + $financial_remarks = $businessFinancialRow['financial_remarks']; + $comments_on_financials = isset($businessFinancialRow['financial_reason']) ? $businessFinancialRow['financial_reason'] : ''; + //echo $financial_remarks;die(); + // statementdate_per_financial + if(isset($businessFinancialRow['kuccha_records_shown'])) + { + $financial_kuccha_info['kuccha_records_shown'] = $businessFinancialRow['kuccha_records_shown']; + $financial_kuccha_info['kuccha_bill_allowed'] = $businessFinancialRow['kuccha_bill_allowed']; + $financial_kuccha_info['customer_declared_turnover'] = $businessFinancialRow['customer_declared_turnover']; + } + + //only for Indusind Lender + if(isset($businessFinancialRow['tot_business_FY'])) + { + $current_business_info['tot_business_FY'] = $businessFinancialRow['tot_business_FY']; + $current_business_info['remarks_tot_business_FY'] = $businessFinancialRow['remarks_tot_business_FY']; + $current_business_info['orders_hand_FY'] = $businessFinancialRow['orders_hand_FY']; + } + + //print_r($financial_kuccha_info);die(); + if(strtoupper($businessFinancialRow['is_financial_statements'])=='YES' && count($businessFinancialRow['date_per_financial'])>0){ + $bindBusinessFinancial["company_name"] = MYUTIL::findCompanyName($all_company_details,$businessFinancialRow['company_id'],1); + //$bindBusinessFinancial["company_name"] .= count($businessFinancialRow['date_per_financial'])>1 ? ' provided with last '.count($businessFinancialRow['date_per_financial']).' years of financial statements and the snapshot is as below :' : ' we were provided with last '.count($businessFinancialRow['date_per_financial']).' year of financial statements and the snapshot is as below :'; + $bindBusinessFinancial["years_data_provided"] = count($businessFinancialRow['date_per_financial']); + $bindBusinessFinancial['is_statement']= 1; + $bindBusinessFinancial['statements']=FINANCIALFORM::getBusinessFinancialDetails($businessFinancialRow['date_per_financial']); + } + else { + $bindBusinessFinancial["company_name"] =MYUTIL::findCompanyName($all_company_details,$businessFinancialRow['company_id'],1); + $bindBusinessFinancial["years_data_provided"] = 0; + $bindBusinessFinancial['statements']=array(); + $bindBusinessFinancial['is_statement']= 0; + } + // customer + if(strtoupper($businessFinancialRow['is_financial_customer'])!='YES' && (!isset($businessFinancialRow['estimated_value']))){ + $bindBusinessFinancial["financial_customer"] ="As per Loan Applicant(s) met, the financials are as below :"; + $bindBusinessFinancial['customer_statements']=array(); + $bindBusinessFinancial['customer_statements_header']=array(); + $bindBusinessFinancial['is_customer_statement'] = 0; + } + else if(strtoupper($businessFinancialRow['is_financial_customer'])!='YES' && count($businessFinancialRow['estimated_value'])>0) + { + + $bindBusinessFinancial["financial_customer"] ="As per Loan Applicant(s) met, the financials are as below :"; + $bindBusinessFinancial['customer_statements']=FINANCIALFORM::getBusinessCustomerFinancialDetails($businessFinancialRow['estimated_value']); + $bindBusinessFinancial['customer_statements_header']=FINANCIALFORM::getBusinessCustomerHeader($businessFinancialRow['estimated_value']); + $bindBusinessFinancial['is_customer_statement'] = 1; + } + else { + + + $bindBusinessFinancial["financial_customer"] ="As per Loan Applicant(s) met, the actual turnover and net profit of his business is same as disclosed in financial statements."; + $bindBusinessFinancial['customer_statements']=array(); + $bindBusinessFinancial['customer_statements_header']=array(); + $bindBusinessFinancial['is_customer_statement'] = 0; + } + $bindBusinessFinancial['working_capital_receive'] = $businessFinancialRow['receive_the_money_in_days']; + $bindBusinessFinancial['working_capital_pay'] = $businessFinancialRow['pay_the_money_in_days']; + $bindBusinessFinancial['working_capital_unsold_stock'] = $businessFinancialRow['unsold_stock_lies_in_days'] != "" || $businessFinancialRow['unsold_stock_lies_in_days'] != null ? $businessFinancialRow['unsold_stock_lies_in_days'] : 'Data Not Provided'; + $bindBusinessFinancial['is_working_capital_facility'] = $businessFinancialRow['is_there_working_capital_available']; + if(isset($businessFinancialRow['select_working_capital_facilities_availed'])) + { + foreach($businessFinancialRow['select_working_capital_facilities_availed'] as $k => $v) + { + switch($v['id']) + { + case 1: + $businessFinancialRow['select_working_capital_facilities_availed'][$k]['name'] = $businessFinancialRow['other_reason_for_working_capital_facilities_availed']; + + $businessFinancialRow['select_working_capital_facilities_availed'][$k]['details'] = $businessFinancialRow['reason_for_working_capital_facilities_availed']; + break; + + case 2: + $businessFinancialRow['select_working_capital_facilities_availed'][$k]['details'] = $businessFinancialRow['bank_guarantee']; + break; + + case 3: + $businessFinancialRow['select_working_capital_facilities_availed'][$k]['details'] = $businessFinancialRow['cash_credit_limit']; + break; + + case 4: + $businessFinancialRow['select_working_capital_facilities_availed'][$k]['details'] = $businessFinancialRow['factoring']; + break; + case 5: + $businessFinancialRow['select_working_capital_facilities_availed'][$k]['details'] = $businessFinancialRow['factoring']; + break; + case 6: + $businessFinancialRow['select_working_capital_facilities_availed'][$k]['details'] = $businessFinancialRow['letter_of_credit']; + break; + case 7: + $businessFinancialRow['select_working_capital_facilities_availed'][$k]['details'] = $businessFinancialRow['od_limit']; + break; + } + } + } + + $bindBusinessFinancial['working_capital_facilites'] = isset($businessFinancialRow['select_working_capital_facilities_availed']) ? $businessFinancialRow['select_working_capital_facilities_availed'] : null; + + $bindBusinessFinancial['estimate_posmachine_or_cc_annual_sales'] = isset($businessFinancialRow['estimated_value'][0]['estimate_posmachine_or_cc_annual_sales']) ? $businessFinancialRow['estimated_value'][0]['estimate_posmachine_or_cc_annual_sales'] : null; + //print_r($bindBusinessFinancial['select_working_capital_facilities_availed']); //FINANCIALFORM::getAvailableFacilities($businessFinancialRow[-'"working_capital_facilities_availed']); + + array_push($businessFinancialResult,$bindBusinessFinancial); + + ?> + + 0){ + + ?> + +Company / Firm Name : " . $iterateFinance['company_name']; ?>
+No of Years of Financial Statements provided : " . $iterateFinance['years_data_provided']; ?>
+Snapshot of Financials as per Books of Account Provided : "; ?>
+ + +| Particulars | "."FY ".$bfRow['financial_year']."";}?> + +|||
|---|---|---|---|
| Sales / Revenue (Rs) | '.$rupee_symbol.' '.MYUTIL::customIndianNumberFormat($bfRow['financial_sales_revenue']).'';}?>|||
| Net Profit / (Net Loss) (Rs) | '.$rupee_symbol.' '.MYUTIL::customIndianNumberFormat($bfRow['financial_net_profit']).'';}else{ echo '('.$rupee_symbol.' '.MYUTIL::customIndianNumberFormat($bfRow['financial_net_loss']).') | '; } }?>||
| Net Profit or (Net Loss) to Sales % | '.$bfRow['financial_margin_of_profit'].' %';}else { echo '('.$bfRow['financial_margin_of_loss'].' %) | '; } }?>||
| % () in Sales over PY | + = 0 ? ''.$bfRow['sale_variation'].' % | ' : '('.$bfRow['sale_variation'].' %) | '; + }else { echo 'NA | ';}?> + +
| % () in Net Profit over PY | + = 0 ? ''.$bfRow['profit_variation'].' % | ' :'('.$bfRow['profit_variation'].') | '; + }else + {echo 'NA | ';} }?>
| % () in Net Profit % over PY | + = 0 ? ''.$bfRow['financial_profit_to_sale_variation'].' % | ' : '('.$bfRow['financial_profit_to_sale_variation'].' %) | '; + }else { echo 'NA | ';}}?>
' . $comments_on_financials . '
'; + + } + + + } + else{ echo "Financials statements not provided by Loan Applicants to PD officer.
";} + ?> + + + + + 0){ + //print_r($iterateFinance['customer_statements']); + + ?> + + + +| Particulars | Range provided | Final Considered | +|
|---|---|---|---|
| From | To | ||
| Sales / Revenue (Rs) | + | ||
| Net Profit or (Net Loss) to Sales % | > | +||
| Net Profit / (Net Loss) (Rs) >>>> | > | +||
| Particulars | Range provided | Final Considered | +|
|---|---|---|---|
| From | To | ||
| Sales / Revenue (Rs) | + | ||
| Net Profit or (Net Loss) to Sales (Rs) | > | +||
| Net Profit / (Net Loss)% >>>> | > | +||
Current Business :
'; + echo 'Approximate Total Business / Sales Done for Current FY as on date is '.$rupee_symbol.' '.MYUTIL::customIndianNumberFormat($current_business_info['tot_business_FY']); + echo $current_business_info['remarks_tot_business_FY'] != "" ? ' ( '. $current_business_info['remarks_tot_business_FY'] .' ) ': ''; + echo 'Working Capital Cycle:
+| S.No | Particulars | Days |
|---|---|---|
| 1 | Debtor Days | |
| 2 | Creditor Days | |
| 3 | Stock Days |
Working Capital Facilities:
+ +| S.No | Facility Type | Facility Details |
|---|---|---|
| '.(++$fk) .' | '.$facility['name'].' | '.$facility['details'].' |
";} + } + ?> + + '. $financial_remarks.'
'; } + } + else {?> +Financial information is not available.
+ + + + + + 0){ + $getEachValues['is_od_cc'] = null; + foreach($businessBankRow['banking_details'] as $bd){ if($bd['account_type']== 4 || $bd['account_type']== 3){ $getEachValues['is_od_cc'] = true; } } + $getEachValues['bankDetails']=BANKINGFORM::getBusinessBankingDetails($businessBankRow['banking_details']); + $bankingResult = array_merge($bankingResult,$getEachValues); + + } + } + + ?> + + Business Banking:'; + if($is_business_banking_available != null){ ?> + + +| Account Name | +Bank Name | +Account Type | +Account Vintage | + +OD/CC Limit(Rs) | + +Main Business AC | + +
|---|---|---|---|---|---|
| + | + | + | + + | + + | + + |
| Sr.No | +Particulars | + Client $i"; + }?> + +
|---|
Supplier '.($k+1).' Photograph`s :
'; + // // echo '| ';
+ // echo ' ';
+ // echo ' ';
+ // echo ''.$client_photo_count[$client_photo_iter]['pd_document_title'].' ';
+ // echo ''.$client_photo_count[$client_photo_iter]['location'].' '. date('Y/m/d h:s:i A',strtotime($client_photo_count[$client_photo_iter]['createdon'])).' | ';
+ // //unset($stock_photo_count[$stock_photo_iter]);
+ // }
+
+ // }
+ // //echo "
| Sr.No | +Particulars | +Details | +
|---|
Supplier '.($k+1).' Photograph`s :
'; + // echo '| ';
+ // echo ' ';
+ // echo ' ';
+ // echo ''.$supplier_photo_count[$supplier_photo_iter]['pd_document_title'].' ';
+ // echo ''.$supplier_photo_count[$supplier_photo_iter]['location'].' '.date('Y/m/d h:s:i A',$supplier_photo_count[$supplier_photo_iter]['createdon']).' | ';
+ // //unset($stock_photo_count[$stock_photo_iter]);
+ // }
+
+ // }
+ // //echo "
Out of total purchases done by ". $company_name_for_supplier_form_dispaly .", ". $total_payments_percent_on_credit_for_supplier ." % is done on credit.
"; //in advance rest on delivery. + } + + } + echo ''.$supplier_form_remarks.'
'; + }// End of supplier info avilable in this current index?> + + + + + + 0 || (is_array($stockRow['manufacturing_details'][0]['manufacturing_finished_goods']) && count($stockRow['manufacturing_details'][0]['manufacturing_finished_goods']) > 0)) { + + $is_raw_materials_sufficient_enough = $stockRow['manufacturing_details'][0]['is_sufficiant_raw']; + $is_raw_materials_sufficient_enough_remarks = $stockRow['manufacturing_details'][0]['rawmaterial_remarks']; + $bindStockResult["manufacturing"]=Stockform::getStockManufacturingDetails($stockRow['manufacturing_details'][0]['manufacturing_raw_materials'], $stockRow['manufacturing_details'][0]['manufacturing_finished_goods']); + //print_r($bindStockResult["manufacturing"]); + } + else { + $bindStockResult["manufacturing"]=array(); + } + // this is for stock retail details + if(isset($stockRow['retail_details'][0]['retail_traded_goods']) && count($stockRow['retail_details'][0]['retail_traded_goods']) > 0){ + $bindStockResult["retail"]=Stockform::getStockRetailDetails($stockRow['retail_details'][0]['retail_traded_goods']); + } + else { + $bindStockResult["retail"]=array(); + } + // this is for stock whole sale details + if(isset($stockRow['trade_details'][0]['trading_traded_goods']) && count($stockRow['trade_details'][0]['trading_traded_goods']) > 0){ + $bindStockResult["wholesale"]=Stockform::getStockWholesaleDetails($stockRow['trade_details'][0]['trading_traded_goods']); + } + else { + $bindStockResult["wholesale"]=array(); + } + + // this is for stock service details + //print_r($stockRow['servicing_details']); + if(isset ($stockRow['servicing_details'][0]['service_provider']) &&count($stockRow['servicing_details'][0]['service_provider']) > 0){ + $bindStockResult["service_stocks"]=Stockform::getStockServiceDetails($stockRow['servicing_details'][0]['service_provider']); + } + else { + $bindStockResult["service_stocks"]=array(); + } + //print_r($bindStockResult);die(); + count($bindStockResult['wholesale']) || count($bindStockResult['retail']) || count($bindStockResult['manufacturing'] || $bindStockResult["service_stocks"])? array_push($stockResult,$bindStockResult) : $stockResult; + //echo "**********************"; + //print_r($stockResult);die(); + ?> + + +
| Sr.No | +Type of Stock | +Stock Item | +Stock Value (Rs) | + +
|---|---|---|---|
| + | + | + | + + + + |
| + | + | + + | |
| + | + | + + | |
| + | + | + + |
Considering the size of operations, the stock of finished goods maintained is not sufficient as per the PD Officer’s observations.
'; + echo ''. $is_stock_sufficient_enough_remarks.'
'; + } + else if(!strcasecmp($is_stock_sufficient_enough,'not applicable')) + { + echo 'Finished goods Stock not required to be maintained.
'; + } + + if(!strcasecmp($is_raw_materials_sufficient_enough,'yes')) + { + echo 'Considering the size of operations, the stock of raw materials maintained is sufficient as per the PD Officer’s observations.
'; + }else if(!strcasecmp($is_raw_materials_sufficient_enough,'no')) + { + echo 'Considering the size of operations, the stock of raw materials maintained is not sufficient as per the PD Officer’s observations.
'; + echo ''. $is_raw_materials_sufficient_enough_remarks.'
'; + } + else if(!strcasecmp($is_raw_materials_sufficient_enough,'not applicable')) + { + echo 'Raw material Stock not required to be maintained.
'; + } + echo ''.$stock_remarks.'
'; + + $stock_photo_count = $pd_images[11]; + $stock_img_row_count = ceil(count($stock_photo_count) / 3); + if(count($stock_photo_count)){ + echo 'Stock Photograph`s :
'; + echo '| ';
+ echo ' ';
+ echo ' ';
+ echo ''.$stock_photo_count[$stock_photo_iter]['pd_document_title'] .' ';
+ echo ' | ';
+ //unset($stock_photo_count[$stock_photo_iter]);
+ }
+
+ }
+ //echo "
| Particulars | Details | USP of the business (How applicant’s business is different from others in the business) | '.$future_plan_business_environment['usp_of_the_business'].' | '; + + echo '
|---|---|
| Future plan for business expansion | '.$future_plan_business_environment['future_plans_for_business_expansion'].' |
| Impact of GST on business | '.$future_plan_business_environment['impact_of_gst_on_the_business'].' |
| Key competitors in the business | '.$future_plan_business_environment['key_competitors'].' |
| Succession Plan for business | '.$future_plan_business_environment['succession_plan'].' |
| Brief of other group concerns/ Business run by the applicant | '.$future_plan_business_environment['brief_of_other_group_concerns_or_businesses_run_by_the_applicants'].' |
'. $future_plan_business_environment['remarks'] .'
'; + } + } + + ?> + + + + + + Assessed Income - ".MYUTIL::findCompanyName($all_company_details,($business_count+1),1).""; + if(isset($ai_core_details) && count($ai_summary_details_processed)) + { + echo ''.$order_dipaly_array[0].') Financial Snapshot
'; + echo '| Particulars | Details |
|---|
';
+
+
+ // if(isset($ai_core_details) && count($ai_core_details['sales_items_by_monthwise']))
+ // {
+ // echo "
";
+ // echo '
'.$order_dipaly_array[0].') Kuchha Sales Book/Bills :
'; + // foreach($ai_core_details_processed['sales_month_wise_to_display'] as $sale_month_wise) + // { + // // if($sale_month_wise['sales_type'] == 1) + // // { + // echo ''.$order_dipaly_array[0].') Kuchha Sales Book/Bills :
'; + // foreach($ai_core_details_processed['sales_month_wise_to_display'] as $sale_month_wise) + // { + // // if($sale_month_wise['sales_type'] == 1) + // // { + // echo '';
+ // echo '
| ';
+ // }
+ // }
+ // echo '||||||||||
'.$order_dipaly_array[0].') Sales Itemwise :
'; + echo '| '.($sid['other_sales_item'] != '' ? $sid['other_sales_item'] :$sid['sale_item']).' | '.$sid['sales_qty'].' | '.$sid['uom'].' | '. $rate_per_unit .' | '.$sid['frequency'].' | '.$rupee_symbol.' '.MYUTIL::customIndianNumberFormat($sid['annual_sale_value']).($sid['sales_type'] == 3 ? ' *' : '').' | '; + if(isset($sid['margin_per'])){echo ''.($sid['margin_per'] != 0 ? $sid['margin_per'] : '-').' | '; } + // if(isset($sid['margin_per_uom'])){echo ''.($sid['margin_per_uom'] != 0? $sid['margin_per_uom'] : '-').' | '; } + if(isset($sid['margin_final_value'])){ echo ''.$rupee_symbol.' '.MYUTIL::customIndianNumberFormat($sid['margin_final_value']).' | '; } + + echo '
'.$order_dipaly_array[0].') Sales Declared By Customer
'; + + // if($ai_core_details['gross_profit_calculation_type'][0]['mode'] == 1) + // { + // echo 'As per person met, the following Purchase details were shared:
'; + // } + // else if($ai_core_details['gross_profit_calculation_type'][0]['mode'] == 2) + // { + // echo 'As per person met, Purchase details were not shared, income calculated by Net margin percentage.
'; + // } + + + $str = 'As per person met, '.$rupee_symbol.' '.MYUTIL::customIndianNumberFormat($ai_core_details['sales_declared_by_customer'][0]['sales_declared_by_customer']).' ( '.MYUTIL::numtowords($ai_core_details['sales_declared_by_customer'][0]['sales_declared_by_customer']).' ) declared as annual sale value.'; + if($ai_core_details['gross_profit_calculation_type'][0]['mode'] == 2) + { + $str .= 'As per person met, the following Purchase details were shared:
'; + } + else if($ai_core_details['gross_profit_calculation_type'][0]['mode'] == 2) + { + echo 'As per person met, Purchase details were not shared, income calculated by Net margin percentage.
'; + } + + echo ''.$order_dipaly_array[0].') Purchase Declared By Customer
'; + + + + + $str = 'As per person met, '.$rupee_symbol.' '.MYUTIL::customIndianNumberFormat($ai_core_details['purchase_declared_by_customer'][0]['purchase_declared_by_customer']).' ( '.MYUTIL::numtowords($ai_core_details['purchase_declared_by_customer'][0]['purchase_declared_by_customer']).' ) declared as annual purchase value.'; + // if($ai_core_details['gross_profit_calculation_type'][0]['mode'] == 2) + // { + // $str .= ''.$order_dipaly_array[0].') Itemwise Purchase Details :
'; + + echo '| Raw Material/Trading Item | Purchase Quantity | UOM | Rate/Unit of Purchase | Frequency | Annual Purchase(Rs) |
|---|---|---|---|---|---|
| '.$dat['material_name'] .' | '.$dat['qty'] .' | '.$dat['uom'] .' | '. $rate .' | '.$dat['frequency'] .' | '.$rupee_symbol.' '.MYUTIL::customIndianNumberFormat($dat['annual_value']) .' |
'.$order_dipaly_array[0].') Billwise Purchase Details :
'; + foreach($ai_core_details_processed['purchase_to_display'] as $billwise) + { + echo '| '.$month_data['month_to_dispaly'].' | |
|---|---|
| Date | Value |
| '.$month['date'] .' | '.$month['value'] .' |
'.$order_dipaly_array[0].') Business Expenses Details :
'; + echo '| Business Expense | Amount | Frequency | Annual Expenses |
|---|---|---|---|
| '.$b_exp['expense_item'] .' | '.$rupee_symbol." ".MYUTIL::customIndianNumberFormat($b_exp['expense_value']) .' | '.$b_exp['frequency_name'] .' | '.$rupee_symbol." ".MYUTIL::customIndianNumberFormat($b_exp['annual_expenses_value']).' |
'.$order_dipaly_array[0].') Household Expenses Details :
'; + echo '| Expense Particulars | Amount (Rs) | Frequency | Annual Expenses(Rs) |
|---|---|---|---|
| '.$h_exp['expense_item'] .' | '.$rupee_symbol.' '.MYUTIL::customIndianNumberFormat($h_exp['expense_value']) .' | '.$h_exp['frequency_name'] .' | '.$rupee_symbol.' '.MYUTIL::customIndianNumberFormat($h_exp['annual_expense_value']) .' |
The Summary of Income :
'; + // echo '| Particulars | Details |
|---|
| Sr.No | +Asset Type | + +Asset Owned By | +Approx Market Value(Rs) | + + +
|---|---|---|---|
| + | + + | + | '. $rupee_symbol.' '.MYUTIL::customIndianNumberFormat($paRow['approximate_market_value']) : $rupee_symbol.' '.MYUTIL::customIndianNumberFormat($paRow['approximate_market_value']); ?> | + + +
As per Loan applicant, he does not have any other assets.
+ '.$other_assest_common_remrks.''; } + + ?> + + + $ibRow) { + $individualBankRow = json_decode($ibRow['processed_json'],true); + $ind_banking_common_remarks = $individualBankRow['banking_form_remark']; + if(isset($individualBankRow['bank_info_available']) && $individualBankRow['bank_info_available'] == 1) + { + $is_personal_banking_available = 1; + if(count($individualBankRow['banking_details'])>0){ + $getIndividualEachValues=BANKINGFORM::getIndividualBankingDetails($individualBankRow['banking_details']); + $bankingResult = array_merge($bankingResult,$getIndividualEachValues); + + } + } + } + + + ?> +Below bank account details were shared :
+| Sr.No | +Account Holder's Name | +Bank Name | +Account Type | + +OD / CC Limit | +Vintage | +
|---|---|---|---|---|---|
| + | + | + | + + | + | + |
| Sr.No | +Income Source | +Earned by | +Amount(Rs) | +
|---|---|---|---|
| + | (Details Available in Annexure B)'; $GLOBALS['is_rental_available'] = 1 ; } ?> | ++ + | + |
As per the loan applicants, they do not have any other source of Income.
+ '. $other_source_income_common_remarks.''; } + + ?> + + + + + $fRow) { + $familyRow = json_decode($fRow['processed_json'],true); + //print_r($familyRow);die(); + $other_family_form_common_remarks = $familyRow['family_details_form_remark']; + if(array_key_exists('family_details',$familyRow) && count($familyRow['family_details'])>0){ + $familyResult=OTHERFAMILYFORM::getFamilyDetails($familyRow['family_details']); + } + } + ?> + +The table below lists the details of Existing Loan Obligations of the Loan Applicants.
+| Particulars | + Loan $header";}?> +
|---|
As per loan applicant he does not have any existing loan obligations.
+ + '.$existing_loan_form_common_remarks.'';} + ?> + + + + + + + + + + $nrcRow) { + $neighbourRefRow = json_decode($nrcRow['processed_json'],true); + //print_r($applicants_details); + //print_r($neighbourRefRow);die(); + $neighbourhood_form_common_remarks = $neighbourRefRow['neighbour_reference_remark']; + if(strcasecmp($neighbourRefRow['neighbourhood_status'],'could not verify')){ + $pd_offiecer_status_about_neighbor = $neighbourRefRow['neighbourhood_status']; + if(count($neighbourRefRow['neighbourhood_list'])>0){ + $company_name = MYUTIL::findCompanyName($all_company_details,1,1); + + $existNeighRefCheck=NEIGHBOURREFERENCECHECKFORM::getNeighbourhoodDetails($company_name,$neighbourRefRow['neighbourhood_list'],$pd_master_details[0],$applicants_details);//applicants_details comes from controller + } + } + // if(&& count($neighbourRefRow['referencecheck_list'])>0){ + // $existNeighRefCheck=NEIGHBOURREFERENCECHECKFORM::getReferenceDetails($neighbourRefRow['referencecheck_list'],$pd_master_details[0]); + // } + } + ?> + +Status of the check: could not verify.
+ + '. $neighbourhood_form_common_remarks.'
';} + ?> + + + + + '; + echo '|
+ Polite
+ |
+
+ Rude
+ |
+
+
+ Others*
+ |
+
+
|
+ Well Suited
+ |
+
+ Fairly Suited
+ |
+
+
+ Not Suited
+ |
+
|
+ Positive
+ |
+
+ Refer to Credit
+ |
+
+
+ Negative
+ |
+
+
+
+ Others*
+ |
+
+
PD officer recommendation is '.$fo_diplay.'.
';?>The following key points were considered while arriving at the aforementioned status.
+ "; foreach($final_remark_data['recommendation_positive'] as $pos){ echo "'.$pd_officer_final_remark.'
' + ?> + + + + + + 0) { + for($business_count = 0;$business_count < $total_no_of_business; $business_count++) + { + if(is_array($assessed_income_details) && count($assessed_income_details) && isset($assessed_income_details[ ($business_count+1) ] ) && count($ai_core_details['sales_calculated_by_itemwise'])) + { + echo ''; + echo 'Annexure A
'; + if(isset($ai_core_details) && count($ai_core_details['sales_calculated_by_itemwise'])) + { + //echo "Kuchha Sales Book/Bills Details:
'; + //print_r($ai_core_details_processed['sales_item_wise_to_diaplay']);//die(); + foreach($ai_core_details_processed['sales_item_wise_to_diaplay'] as $sale_month_wise) + { + + //echo '| '.$sale_month_wise['months'][$j]['month_to_dispaly'].' | |
|---|---|
| Date | Value |
| Frequncy | Value |
| '.$month['date'] .' | '.$month['value'] .' |
| '.$month['frequency_name'] .' | '.$month['frequency_value'] .' |
| Total | '. MYUTIL::customIndianNumberFormat ( $month_sub_total ) .' |
Annexure B : Rental Income Details
'; + + foreach ($rental_data as $key => $value) { + + echo 'Multistorey Details:
'; + echo '| Floor Name | No of Units | Rent same for all Units | Unit Details | Total Rent Amount |
|---|---|---|---|---|
| '. $multistorey_value['floor_name'] .' | '. $multistorey_value['no_units_in_floor'] .' | '. $multistorey_value['same_rent'] .' | '. $multistorey_value['unit_details'] .' | '. $multistorey_value['total_floor_rent'] .' |
| Total | '. $rupee_symbol.' '.$value['unit_details']['multistorey_over_all_total'].' | |||
Unit Details:
'; + foreach ($value['unit_details']['property_core'] as $u_key => $unit_value) { + echo '| General Questions L1(". $pd_score['general']['otp_done']['l1_weightage']."%) | L2 | Answer | Score | Attributed Score | Max Score |
|---|---|---|---|---|---|
| '.$question.' | '.$general['l2_weightage'] .'% | '.$general['answer']. + ' | '.$general['score_band'].' | '.$general['attributed_score'].' '.$span.' | '.$general['max_score'].' '.$max_span.' |
| General Section Sum of Attributed Score | Sum of Max Score | '.number_format($pd_score['score_summary']['general']['actual_score'],2,'.',',').' | '.number_format($pd_score['score_summary']['general']['max_score'],2,'.',',').' | |||
| Asset Value Calculaitons | |
|---|---|
| Actual Value Of Assets (a) | ". number_format($pd_score['score_summary']['asset_calculation_details']['actual_value_of_assets'],2,'.',',')." |
| Loan Amount (b) | ". number_format($pd_score['score_summary']['asset_calculation_details']['loan_amount'],2,'.',',')." |
| Avg Expected Value Of Assets (c) | ". round($pd_score['score_summary']['asset_calculation_details']['avg_expected_value_of_assets'],2)."% |
| Expected Value Of Assets (d = c*b) | ". number_format($pd_score['score_summary']['asset_calculation_details']['expected_value_of_assets'],2,'.',',')." |
| Actual Value Of Assets Percentage (e = (a/b) * 100) | ". round($pd_score['score_summary']['asset_calculation_details']['actual_value_of_assets_percentage'],2)."% |
| Variance (f = ((e-c)/c) * 100) | ". round($pd_score['score_summary']['asset_calculation_details']['variance'],2)."% |
| Score As per Grid | ". round($pd_score['score_summary']['asset_calculation_details']['score'],2)." |
| Final Remarks Questions L1(". $pd_score['final_remarks']['pd_officer_recommandations']['l1_weightage']."%) | L2 | Answer | Score | Attributed Score | Max Score |
|---|---|---|---|---|---|
| '.$question.' | '.$final_remark['l2_weightage'].'% | '.$final_remark['answer'].' | '.$final_remark['score_band'].' | '.$final_remark['attributed_score'].' '.$span.' | '.$final_remark['max_score'].' '.$max_span.' |
| Final Remarks Section Sum of Attributed Score | Sum of Max Score | '.number_format($pd_score['score_summary']['final_remarks']['actual_score'],2,'.',',').' | '.number_format($pd_score['score_summary']['final_remarks']['max_score'],2,'.',',').' | |||
| Business Questions L1(". $pd_score['business']['no_of_years_business_run']['l1_weightage']."%) | L2 | Answer | Score | Attributed Score | Max Score |
|---|---|---|---|---|---|
| '.$question.' | '.$business['l2_weightage'].'% | '.$business['answer'].' | '.$business['score_band'].' | '.$business['attributed_score'].' '.$span.' | '.$business['max_score'].' '.$max_span.' |
| '.$question.' | '.$business['l2_weightage'].'% | '.$address_type_remarks_caption[ $business['answer'] ].' | '.$business['score_band'].' | '.$business['attributed_score'].' '.$span.' | '.$business['max_score'].' '.$max_span.' |
| Certificates | '.round($business['l2_weightage'],2).'% | '.'Refer Cert Table'.' | '.$business['score_band'].' | '.$business['attributed_score'].' | '.$business['max_score'].' |
| Business Section Sum of Attributed Score | Sum of Max Score | '.number_format($pd_score['score_summary']['business']['actual_score'],2,'.',',').' | '.number_format($pd_score['score_summary']['business']['max_score'],2,'.',',').' | |||
| Business Certificates | Answer | Score | Attributed Score | Max Score |
|---|---|---|---|---|
| '.$question.' | '.$cerificate['answer'].' | '.$cerificate['score_band'].' | '.round($cerificate['attributed_score'],3).' '.$span.' | '.round($cerificate['max_score'],3).' '.$max_span.' |