| 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 != "" || $display_for_person_met != null){ echo 'Loan Applicants:
| Name | Age (Yrs/Mns) | Qualification / Type of Entity | Relationships |
|---|---|---|---|
| '.$applicant_name.' | '.$individual['age'].' | '.$education_qualification.' | ';
$company_relationship_data = null;
//print_r($general_form['company_with_relationships']);
foreach($general_form['company_with_relationships'] as $crk => $company_with_relationship)
{
//print_r($company_with_relationship);
if($individual['pd_co_applicant_id'] == $company_with_relationship['applicant_name'] && $company_with_relationship['company_name'] != '')
{
//FInd Company Name from JSON
//echo "ONCE";
//echo '### '.$crk.'-ICID'.$individual['pd_co_applicant_id'].'--'.$company_with_relationship['applicant_name'].'-'.$company_with_relationship['company_name'];
$company_relationship_data .= ($company_with_relationship['company_relationship_master'] .' '.$company_with_relationship['company_name']);
$company_relationship_data.=' '; //echo $company_relationship_data; } } //echo $company_relationship_data; // die(); $personal_relationship_data = null; foreach($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, person met provide 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'] != "" ? $loan_form['loan_tenure'].' Months' : 'Not provided'); $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']).($loan_form['topup_amount'] ? (' ('.MYUTIL::numtowords($loan_form['topup_amount']).')') : '') ); if($loan_form['end_use_topup_master']) { $loan_table_dispaly_rows[] = array('particulars' => 'End Use of Topup','details' => ( strcasecmp('others',$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) { $loan_table_dispaly_rows[] = array('particulars' => 'Amount of Own Contribution','details' =>is_numeric($loan_form['own_contribution']) && $loan_form['own_contribution'] != 0 ? ("₹"." ".MYUTIL::customIndianNumberFormat($loan_form['own_contribution']).' ('.MYUTIL::numtowords($loan_form['own_contribution']).')') : 'Not Provided' ); $source_of_own_contribution = ''; foreach($loan_form['source_of_own_contribution_master'] as $own_source) { if(!strcasecmp($own_source, 'others')) { $source_of_own_contribution.=$loan_form['other_source'].' and ';}else{ $source_of_own_contribution.= $own_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 ); } } $loan_table_dispaly_rows[] = array('particulars' => 'EMI Comfortable Paying','details' => is_numeric($loan_form['emi_level']) && $loan_form['emi_level'] != 0? ($rupee_symbol." ".MYUTIL::customIndianNumberFormat($loan_form['emi_level']).' ('.MYUTIL::numtowords($loan_form['emi_level']).')') : "Not Provided" ); 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'] : $loan_form['property_type_master']); //print_r($loan_form);die(); $owners_list = null;foreach($loan_form['owners_list_master'] as $owner){ $owners_list.=$owner.' and '; } ///echo $owners_list; $owners_list = substr_replace($owners_list, '', strrpos($owners_list, 'and'),strlen($owners_list)); if($owners_list == '') { if(isset($loan_form['owner_name_group'][0]['owner_name'])) { $owners_list = $loan_form['owner_name_group'][0]['owner_name']['name']; } } $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']); $loan_table_dispaly_rows[] = array('particulars' => 'Estimated Market Value of the property being mortgaged','details' => ($loan_form['emv_per_customer'] != "" ? $rupee_symbol." ".MYUTIL::customIndianNumberFormat($loan_form['emv_per_customer']).' ('.MYUTIL::numtowords($loan_form['emv_per_customer']).')' : 'Not Provided')); } } if(isset($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']." | ".$row['details'] ." |
Date of Incorporation :
Business Vintage :
| Name | Share Holding | No.of Years in Current Business | Total Work Experience(Yrs) | Previous Experience | Started Business |
|---|---|---|---|---|---|
Other Family Members involved in business :
| Name | Individual Relationship | Related to | Relationship to Company / Firm | Started Business (Yes / No) |
|---|---|---|---|---|
Key Products and Area of Operations
| Key Products | Area of Operations | Area of Sale / Service | Area where Max Sale / Service done |
|---|---|---|---|
Brief of the Business / Service Model
| Product / Service | Process Brief |
|---|---|
| '.$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 |
|---|---|---|---|
Brief of the Business / Service Model
| Product / Service | Process Brief |
|---|---|
| Other Business Activity |
|---|
As per person`s met,applicant using Mobile Wallets/UPI for business transactions.
' //} if(!strcasecmp($fetchRow['applicant_use_pos_machines'],'yes')) { echo 'The applicant has the following POS machines:
'; echo '| Name of the Financial Insitution | TID Number of POS machine |
|---|---|
| '.($pos['pos_machines_financial_institution_name'] ? $pos['pos_machines_financial_institution_name'] : 'Not Provided').' | '.$pos['tid_no_of_pos_machine'].' |
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']))){ $bindBusinessFinancial["financial_customer"] =""; //$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) { $bindBusinessFinancial["financial_customer"] =""; //$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']; $bindBusinessFinancial['working_capital_unsold_stock'] = is_numeric($businessFinancialRow['unsold_stock_lies_in_days']) ? $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 | ';}}?>
' . $comments_on_financials . '
'; } } else{ echo "Financial statements not provided by Loan Applicants to PD officer.
";} ?> 0){ //print_r($iterateFinance['customer_statements']); ?>As per Loan Applicant(s) met, the Financials are as below:
| 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'],$pd_master_details[0]['pd_id']); $bankingResult = array_merge($bankingResult,$getEachValues); } } ?> Business Banking:'; if($is_business_banking_available != null){ ?>| Account Name | Bank Name | Account Type | Account Vintage | OD/CC Limit(Rs) | Main Business A/c |
|---|---|---|---|---|---|
'.$business_banking_common_remarks.'
'; } }// end of busienss bankDetails available in this currrent index ?>| Sr.No | Particulars | Client $i"; }?>
|---|
Out of total sales done by ".$name_of_the_company .", ".$vals[0]."% is done on credit.
"; } else { $activities = ''; foreach ($done_on_credit as $dkey => $dvalue) { $activities .= $dkey.' '.$dvalue.'%, '; } $activities = substr_replace($activities,' ', -2); $activities = substr_replace($activities,' and ',strripos($activities,','),2); echo "Out of total sales done by ".$name_of_the_company .", ".$activities."are done on credit.
"; } } //CLient Photo Section // $client_photo_count = $pd_images[2]; // $client_img_row_count = ceil(count($client_photo_count) / 3); // if(count($client_photo_count)){ // // echo 'Supplier '.($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 | Supplier $i"; }?>
|---|
Supplier '.($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 { $bindStockResult["manufacturing"]=array(); } // this is for stock retail details if(count($stockRow['retail_details'][0]['retail_traded_goods']) > 0){ $bindStockResult["retail"]=Stockform::getStockRetailDetails($stockRow['retail_details'][0]['retail_traded_goods']); } else { $bindStockResult["retail"]=array(); } // this is for stock whole sale details if(count($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(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($bindStockResult['manufacturing']) || count($bindStockResult["service_stocks"])? array_push($stockResult,$bindStockResult) : array(); //echo "**********************"; //print_r($stockResult);die(); ?>
| Sr.No | Type of Stock | Stock Item | Stock Value (Rs) | Stock Quantity |
|---|---|---|---|---|
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.
'; } //serivce if(!strcasecmp($is_sufficiant_service_goods,'yes')) { echo 'Considering the size of operations, the stock maintained for service providing is sufficient as per the PD Officer’s observations.
'; }else if(!strcasecmp($is_sufficiant_service_goods,'no')) { echo 'Considering the size of operations, the stock maintained for service providing is not sufficient as per the PD Officer’s observations.
'; echo ''. $service_goods_enough_remarks.'
'; } else if(!strcasecmp($is_sufficiant_service_goods,'not applicable')) { echo 'Stock not required to be maintained.
'; } //echo ''.$stock_remarks.'
'; $stock_photo_count = array_filter($pd_images[11],function($d) use ($business_count){ if($d['company_id'] == ($business_count + 1)){ return 1;}else {return 0;} }); $stock_img_row_count = ceil(count($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 |
|---|
';
//die();
// 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 Description | Asset Owned By | Approx Market Value(Rs) | Age of the Assest | Loan Again Assest |
|---|---|---|---|---|---|---|
| '. $rupee_symbol.' '.MYUTIL::customIndianNumberFormat($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'],$pd_master_details[0]['pd_id']); $bankingResult = array_merge($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'],$pd_master_details[0]['pd_id']); } } ?>' . $intro_text . '
';echo '' . $residence_text . '
'; ?>The table below provides details of other family members of
| Sr.No | Name | Relation | Age | Earning Status | Occupation Details |
|---|---|---|---|---|---|
Other Family Members is not available.
'.$other_family_form_common_remarks.''; } ?> $elRow) { $otherLoanRow = json_decode($elRow['processed_json'],true); $existing_loan_form_common_remarks = $otherLoanRow['currentloan_remarks']; $total_no_of_data = 0; if(strtoupper($otherLoanRow['existing_loan'])=='YES' && count($otherLoanRow['loan_details'])>0){ $is_existing_loans_available = 1; $total_no_of_data = count($otherLoanRow['loan_details']); $existLoanResult=FINANCIALFORM::getOtherLoanDetails($otherLoanRow['loan_details'],$pd_master_details[0]['pd_id']); } } ?>| 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.
'. $neighbourhood_form_common_remarks.'';} ?> '; echo ''.$final_remark_data['market_intelligence'].'
'; 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']) && $GLOBALS['is_kuccha_records_available']) { echo ''; echo 'Annexure A
'; if(isset($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.' |