{"text_format":"3","workbook":"xls","n_sheets":19,"sheets":["General Details","Address Details","Loan Details","Other Assets"," Banking Details","Family Details","Existing Loan","Other Income","Neighbourhood","Credit Manager Queries","Final Remarks","Employment Info","About Buiness","Buiness Assets","Buiness Banking"," Financial Info","Supplier Info","Client Info","Stock Info"],"read":"whole","date_system":"1900","formulas":"cached_only"}

{"sheet":"General Details","index":0,"n_rows":2,"n_cols":22,"rows_kept":2,"merged":[[0,0,1,0],[0,1,0,6],[0,7,1,7],[0,8,1,8],[0,9,0,14],[0,15,0,17],[0,18,0,20],[0,21,1,21]],"flags":["formulas_cached_only"]}
["PDID","Name of Person(s) Met and Individual Loan Applicant(s)",{"$nulls":5},"Is the applicant name same as per KYC","Capture the correct name as per the KYC?","Company",{"$nulls":5},"Relationship Between Individuals",null,null,"Relationship of Individuals to Company / Firm",null,null,"Remarks"]
[null,"Name","Person Contacted","Is Loan applicant","Age","Qualification","Specify Qualification",null,null,"Company/Firm","Is applicant","Company/Firm Entity Type","Month (Number of Years For Which The Company/Firm Has Been Running)","Year (Number of Years For Which The Company/Firm Has Been Running)","Date of Formation (Number of Years For Which The Company/Firm Has Been Running)","Name","Relation","Relationship To","Applicant","Relation","Company"]

{"sheet":"Address Details","index":1,"n_rows":1,"n_cols":23,"rows_kept":1,"flags":["formulas_cached_only"]}
["PDID","Address at which PD was initiated","City","State","Pincode","Specify other pincode","Is this the address where PD is done","Enter actual PD address","City","State","Pincode","Specify Other Pincode","Reason for change in PD visit address","Address Type","Specify Other Address Type","Locality","Specify Other Locality","Approach to PD Location","Comment on locality","Estimated Area","Unit Of Measurement","Specify Other UOM","Remarks"]

{"sheet":"Loan Details","index":2,"n_rows":2,"n_cols":47,"rows_kept":2,"merged":[[0,0,1,0],[0,1,1,1],[0,2,1,2],[0,3,1,3],[0,4,1,4],[0,5,1,5],[0,6,1,6],[0,7,1,7],[0,8,1,8],[0,10,1,10],[0,11,1,11],[0,13,1,13],[0,14,1,14],[0,16,1,16],[0,17,0,26],[0,28,1,28],[0,31,0,34],[0,35,0,46]],"flags":["formulas_cached_only"]}
["PDID","Loan Amount Applied for ?","Loan Tenure applied for?","Sub-Product","What is the End Use","Specify End Use","Is there a balance transfer ? ","Amount of Own Contribution","Source of Own Contribution",null,"What is the amount for Balance Transfer ? ","Lender from where balance transfer done",null,"Topup Amount","What is the End Use of the Top Up?",null,"EMI Amount Comfortable Paying","Details of Property being Mortgaged",{"$nulls":10},"Remarks",null,null,"applicant's association vintage with the Anchor",{"$nulls":3},"Credit period with the Anchor (Days)"]
[{"$nulls":9},"Specify Other Sources",null,null,"Specify other Lender",null,null,"Specify End Use Of TopUP",null,"Type of property","Specify type of property","Name of the proposed owner","Status of Construction","Estimate Market Value as Per Customer","Name of current owner(s)/ Seller(s) of the property","Address of the proposed property","State","City","Pincode","Specify Other pincode",null,"Facility Amount Applied For?","Name of the Anchor","Year","Month","Monthly business (sale/purchase) with the Anchor","Business concentration with Anchor %","Number of days","Payment Mechanism","Average Invoice Value","Are there peak seasons for the business with Anchor","Months in which sales/service is low?","Comments","Are there debit/credit notes being issued to/by Anchor","Reason for such debit/credit notes","Value of stock related to Anchor","Observations on Sample Invoices","reason for no sample invoices","Details of invoice and lorry recipts like date, amount, Quantity, Vehicle number, Client and supplier name"]

{"sheet":"Other Assets","index":3,"n_rows":1,"n_cols":31,"rows_kept":1,"flags":["formulas_cached_only"]}
["PDID","Is the Asset Information Available","Assets Type","Description of the Asset","Property Type","Specify Other Property type","Address of the property","description of the property","Area Covered ","Unit Of Measurement","Specify UOM","Type of Vehicle","Specify Other Type of Vechile","Description of Vehicle (example -Toyota Altis)","Premium Paid","Frequency","Sum Assured","Members Covered","Type","Specify Type","Name of organisation in which investment done","Bank Name","Current Market Value","Approximate Market Value","Name of the Owner","Specify Owner ","Age of Assets in Year","Age of Assets in Month","Purchase Year","Is There a Loan Against This Asset?","Remarks"]

{"sheet":" Banking Details","index":4,"n_rows":2,"n_cols":12,"rows_kept":2,"merged":[[0,0,1,0],[0,1,1,1],[0,2,0,10],[0,11,1,11]],"flags":["formulas_cached_only"]}
["PDID","Is the Banking Infomation Available","Banking Details",{"$nulls":8},"Remarks"]
[null,null,"Account Holder’s Name","Specify Account Holder’s Name","Bank Name","Specify Bank Name","Account Type","Limit in case of OD / CC account","Is this the main business account","Number of Years / Months since account was started (Month)","Number of Years / Months since account was started (year)"]

{"sheet":"Family Details","index":5,"n_rows":2,"n_cols":28,"rows_kept":2,"merged":[[0,0,1,0],[0,1,1,1],[0,2,0,6],[0,7,0,10],[0,11,0,24],[0,27,1,27]],"flags":["formulas_cached_only"]}
["PDID","Select a person","Residence Details",{"$nulls":4},"No of years in current residence",{"$nulls":3},"Family Details",{"$nulls":15},"Remarks"]
[null,null,"State","City","Place","Pin","Other Pincode","Year","Month","Ownership","Other Ownership","Title","Name","Age","Relationship","Earning Status","Occupation","Specify Other Occupation","School/College Name","Retired From","Segment","Other Segment","Income Per Month","Name of Employer/buiness","Number of month in employer/buiness","No of Family Members","No. of dependents "]

{"sheet":"Existing Loan","index":6,"n_rows":2,"n_cols":22,"rows_kept":2,"merged":[[0,0,1,0],[0,1,1,1],[0,2,1,2],[0,3,0,17],[0,18,1,18],[0,19,1,19],[0,20,1,20],[0,21,1,21]],"flags":["formulas_cached_only"]}
["PDID","Do you have any other existing loan","Details of all loan info available","Loan Details",{"$nulls":14},"Total no of running loans","Total EMI being paid","Total Outstanding of all running loans","Remarks"]
[{"$nulls":3},"Loan Type","Loan Amount","Lender","Loan Taken By","Instalment Frequency","Daily Instalment Amount","Instalment Amount","Fortnightly Instalment Amount","Quarterly Instalment Amount","Halfyearly Instalment Amount","Monthly Instalment Amount","Annual Instalment Amount","Original Tenure in Months","Current Balance Tenure in Months","Elapsed Tenure in Months"]

{"sheet":"Other Income","index":7,"n_rows":2,"n_cols":9,"rows_kept":2,"merged":[[0,0,1,0],[0,1,1,1],[0,2,0,7],[0,8,1,8]],"flags":["formulas_cached_only"]}
["PDID","Other Income of Loan Applicants","Loan Details",{"$nulls":5},"Remarks"]
[null,null,"Sources","Specify Other Source","Address","Income earned by","Amount","Frequency"]

{"sheet":"Neighbourhood","index":8,"n_rows":3,"n_cols":21,"rows_kept":3,"merged":[[0,0,2,0],[0,1,0,7],[0,8,0,19],[0,20,2,20],[1,1,2,1],[1,2,2,2],[1,3,1,4],[1,5,2,5],[1,6,2,6],[1,7,2,7],[1,8,2,8],[1,9,2,9],[1,10,2,10],[1,11,2,11],[1,12,2,12],[1,13,2,13],[1,14,1,19]],"flags":["formulas_cached_only"]}
["PDID","Neighbour",{"$nulls":6},"Reference",{"$nulls":11},"Remarks"]
[null,"Neighbour Name"," Do you know about the applicants or their business?","As per you how long has this business been in operation?"," Do you know about the applicants or their business?","Who is the owner of the organisation?","Specify Other Owner of the organisation","Status of the check as per PD officer?","Name","Mobile Number","Std-Landline","Location","Relation With Buiness","Other buiness Relation","Period of Relationship\n\n"]
[{"$nulls":3},"Month","Year",{"$nulls":9},"Year","Month","Volume of Buiness (or)\nRent Amount","Unit"," Final remarks of PD officer on Reference Check done","Specify Remarks"]

{"sheet":"Credit Manager Queries","index":9,"n_rows":2,"n_cols":12,"rows_kept":2,"merged":[[0,0,1,0],[0,1,1,1],[0,2,0,10],[0,11,1,11]],"flags":["formulas_cached_only"]}
["PDID","Credit Manager’s Specific Queries\n","Covid 19 Questions",{"$nulls":8},"Remarks"]
[null,null,"Is your business adversely impacted by coronavirus outbreak ?\n","Enter your Remarks","Choose any","Did you avail the loan moratorium facility on your existing loans which is extended by your bank or financial institution?\n","Are you planning to avail/ or already availed any loan or any other term facility for your business or personal use?\n","Please specify amount, lender etc.","How much is your sales/revenue from April till date?","Is turnover mentioned above validated?","Choose any"]

{"sheet":"Final Remarks","index":10,"n_rows":2,"n_cols":11,"rows_kept":2,"merged":[[0,0,1,0],[0,1,1,1],[0,2,1,2],[0,3,0,4],[0,5,1,5],[0,6,1,6],[0,7,1,7],[0,8,1,8],[0,9,1,9],[0,10,1,10]],"flags":["formulas_cached_only"]}
["PDID","Customer Behaviour","Specify Customer Behaviour","Location",null,"PD Officers Recommendation","Specify PD Officers Recommendation","Reasons for marking PD status","Any additional visit (Godown /multiple rental properties)\n","Mode of Transport Used to Visit the PD address","Remarks"]
[{"$nulls":3},"Is the location of the business / profession suited to the nature of business / service provided? ","Personal feedback or market intelligence on the case (if any)"]

{"sheet":"Employment Info","index":11,"n_rows":2,"n_cols":40,"rows_kept":2,"merged":[[0,0,1,0],[0,1,1,1],[0,2,1,2],[0,3,0,25],[0,26,0,38],[0,39,1,39]],"flags":["formulas_cached_only"]}
["PDID","Name of Employer","Company Profile IN brief","Since how long working with this employer?",{"$nulls":22},"Salary Details",{"$nulls":12},"Remarks"]
[{"$nulls":3},"Year","Month","Total Work Experience","Previous Work Experience Details","Was the employer met?","Name of Person Met","Designation of Person Met","Specify Person met","Photograph of “Photo ID card of the Employer/Manager\"","Specify Photo ID card of the Employer/Manager","Employer’s/Manager’s Company ID card / Visiting Card provided”?","Salary amount confirmed ?","why salary amount was not confirmed","Attendance register  seen ?","Salary register  seen ?","Cash Voucher","Salary Certificate","Salary slip","Others Document","Specify the Documents ","Why Documents are not available ?","Specify the reason","Mode of Getting Salary","Date of Salary From","Date of Salary To","Has salary been paid regularly in last 3 months? ","Enter the reason for not paying regular salary","Enter the amount paid / percentage paid","Gross Monthly Salary","Net Monthly Salary","Bonus or Incentive","Bonus Frequency","Types of Bonus","Other Bonus Type","ID Card issued by the Company seen ?","why company’s ID proof is not available."]

{"sheet":"About Buiness","index":12,"n_rows":2,"n_cols":80,"rows_kept":2,"merged":[[0,0,1,0],[0,1,0,7],[0,8,0,13],[0,14,0,23],[0,24,0,33],[0,34,0,43],[0,44,0,53],[0,55,0,59],[0,60,0,62],[0,63,0,66],[0,67,0,68],[0,69,0,78],[0,79,1,79]],"flags":["formulas_cached_only"]}
["PDID","Proprietor Details",{"$nulls":6},"Add Other Family Members Involved In Business",{"$nulls":5},"Type of Business Activity(Manufacturing)",{"$nulls":9},"Type of Business Activity(Retail Trading)",{"$nulls":9},"Type of Business Activity(Service Provider)",{"$nulls":9},"Type of Business Activity(Wholesale Trade)",{"$nulls":9},"Export Sale As a % Total Sales","Digital Payments",{"$nulls":4},"Seasonality",null,null,"Employees As Per Applicant",{"$nulls":3},"No of Employees Sighted By PD Officer During His Visit",null,"Documents Sighted\n",{"$nulls":9},"Remarks"]
[null,"Name","Specify Others","Share of Profit / Shareholding (%)","Started Business","No of Years in Current Business\n\n","No of Month in Current Business","Total Work Experience (in years) in current Buiness","Title","Name","Relation","Relationship To","Relationship With Company","Started Business","Main Product","Area Of Sale","Is PAN india","State","City","State where max sale done ","City where max sale done","Countries Where The Export Is Being Done for ","Out of Total Export Sales what % of Sales is done in","Description of  manufacturing process","Main Product","Area Of Sale","Is PAN india","State","City","State where max sale done ","City where max sale done ","Countries Where The Export Is Being Done for ","Out of Total Export Sales what % of Sales is done in","Description of  Retailing process","Serve provider","Area Of Sale","Is PAN india","Where, In India, Is The Service Provided","City","States Where Max Revenue From Services for ","City Where Max Revenue From Services for ","Countries Where The Export Is Being Done for ","Approx % of Revenue From Service","Description of  Service process","Main Product","Area Of Sale","Is PAN india","State","City","State where max sale done for","City where max sale done for","Countries Where The Export Is Being Done for ","Out of Total Export Sales what % of Sales is done in","Description of  wholesale process","Export Sale As a % Total Sales","Does the Applicant Use Mobile Wallets / UPI Apps","Does the Applicant Use POS Machines in His Business / Profession","Number POS machines","Name of the Financial Institution whose POS machines are installed","TID Number of the POS machine?","Is The Business Seasonal","Months in which sales/service is low?","Comments","Permanent","Temporary","Total","Approximate total monthly salary paid to employees","Total","Was the Company name board sighted ?","Shop and Est Act Cert","GST Regn Cert","EXPORT/IMPORT Cert","Factory Cert","Cert of practice","PF Regn","ESIC Regn","Electricity Bill","Do You Want to Add Other Documents?","Specify the Document Details"]

{"sheet":"Buiness Assets","index":13,"n_rows":2,"n_cols":35,"rows_kept":2,"merged":[[0,0,1,0],[0,1,0,15],[0,16,0,33],[0,34,1,34]],"flags":["formulas_cached_only"]}
["PDID","Address Details",{"$nulls":14},"Other Assets Used in Business",{"$nulls":17},"Remarks"]
[null,"Label","Is this the business address ? ","How long has business been operated from this premise?(Month)","How long has business been operated from this premise? (Year)","Was any business activity seen at the Office during PD visit?","Remarks","Ownership Type","Approximate Market Value","Asset Owned By","Specify Other Asset Owned By","Age of Asset In year","Age Of Asset In Month","Purchase In Year","Is There a Loan Existing Against This Asset?","Monthly Office Rent Amount","Is the Asset Information Available","Asset Type","Description","Property Type","Specify Other Property Type","Address of the Property","Type of Vehicle","Specify Other Vehicle","Description of Vehicle (example -Toyota Altis)","Ownership Type","Approximate Market Value","Asset Owned By","Specify Other Asset Owned By","Age of Asset In year","Age Of Asset In Month","Purchase In Year","Is There a Loan Existing Against This Asset?","Monthly Office Rent Amount"]

{"sheet":"Buiness Banking","index":14,"n_rows":2,"n_cols":12,"rows_kept":2,"merged":[[0,0,1,0],[0,1,1,1],[0,2,0,8],[0,9,0,10],[0,11,1,11]],"flags":["formulas_cached_only"]}
["PDID","Is the Banking Infomation Available","Banking Details",{"$nulls":6},"Bank Details (Approximate Vintage of the Account\n)",null,"Remarks"]
[null,null,"Account Holder’s Name","Specify Account Holder’s Name","Bank  Name","Specify Bank Name","Account Type","Limit in case of OD / CC account ","Is this the main business account","No of Year","No of Month"]

{"sheet":" Financial Info","index":15,"n_rows":2,"n_cols":63,"rows_kept":2,"merged":[[0,0,1,0],[0,1,0,2],[0,3,0,7],[0,18,0,43],[0,44,0,47],[0,48,0,61],[0,62,1,62]],"flags":["formulas_cached_only"]}
["PDID","Financial Data",null,"Data as Per Financial Statements",{"$nulls":14},"Latest year’s financials as per Applicant met",{"$nulls":25},"Working Capital Details",{"$nulls":3},"Working Capital Facilities availed/Total Banking Facilities availed",{"$nulls":13},"Remarks"]
[null,"Turnover in last completed Year","YTD turnover (till last month)","Financial Statements Available ?","Latest year’s financials as per applicant met  ?","Enter year from which financials provided","Number of Financial Years","Label","Annual Sale","Sale Variation from Previous Year in %","Is there Net Profit or Net Loss?","Net profit Amount","Net Profile Sales in %","Net Loss Amount","Net Loss to sales in %","Profit Variation from Previous Year in %","Variation of Profit/Loss to Sales % from Previous Year","Comments on Financials","Same as Financial Statements ?","Annual Sales From","Annual Sales To","Considered Sales Average","Was there Net Profit or Net Loss?","Is there Net Margin information Available?","Net Profit Amount From","Net Profit Amount To","Considered Net Profit % ","Considered Profit Amount","Net Profit % From","Net Profit % To","Net Profit % Considered","Net Profit Amount Considered","Net Loss Amount From","Net Loss Amount To","Considered Net Loss % ","Considered Loss Amount","Net Loss % From","Net Loss % To","Net Loss % Considered","Net Loss Amount Considered","What is the reason for the Loss?","Were the Kuccha records shown to the PD officer\n","Photograph of Kuchha bills allowed\n","Does the Number of Kuccha Bills and Values therein, justify the customer declared turnover?\n","In case of Credit Sales, what is the average no of days taken to receive the money?","In case of Credit Purchase, what is the average no of days taken to pay the money?","What is the average no of days for which stock lies unsold during the year?","Is there Working Capital Facilities?\n(or)\nIs there Total Banking Facilities?","Details of Letter of Credit","Details of Bank Guarantee Facility","Details of Cash Credit Limit","Details of OD limit","Details of Factoring","Details of Forfaiting","Name OF Lender","Loan amount","Loan Type","Loan Tendure","Loan Start Date","Monthly obligation-Interest/EMI","Others Working Capital Facilities availed\n(or)\nOthers    Total Banking Facilities?     Availed","Details of Others Facility"]

{"sheet":"Supplier Info","index":16,"n_rows":2,"n_cols":43,"rows_kept":2,"merged":[[0,0,1,0],[0,1,1,1],[0,2,0,14],[0,15,0,27],[0,28,0,40],[0,41,1,41],[0,42,1,42]],"flags":["formulas_cached_only"]}
["PDID","Is the Supplier Information Available","Manufacturing Product Details(Raw Material)",{"$nulls":12},"Trading Product Details(Trading Product)",{"$nulls":12},"Service Provider Details (Service Provider)",{"$nulls":12},"Is the billing information available","Remarks"]
[null,null,"Raw Material Name","Supplier Name","Title","Contact Person","Contact Person Designation","Contact person Mobile number","STD code","Contact person landline","Payment Terms","Payment Mode","No.of days of Credit Provided by Supplier(Day from)","No.of days of Credit Provided by Supplier(Day To)","What % of Total Purchase is Done on Credit?","Trading Product Name","Supplier Name","Title","Contact Person","Contact Person Designation","Contact person Mobile number","STD code","Contact person landline","Payment Terms","Payment Mode","No.of days of Credit Provided by Supplier(Day from)","No.of days of Credit Provided by Supplier(Day To)","What % of Total Purchase is done on Credit?","Service Name","Supplier Name","Title","Contact Person","Contact Person Designation","Contact person Mobile number","STD code","Contact person landline","Payment Terms","Payment Mode","No.of days of Credit Provided by Supplier(Day from)","No.of days of Credit Provided by Supplier(Day To)","What % of Total Purchase is done on Credit?"]

{"sheet":"Client Info","index":17,"n_rows":2,"n_cols":44,"rows_kept":2,"merged":[[0,0,1,0],[0,1,1,1],[0,2,0,14],[0,15,0,27],[0,28,0,40],[0,41,1,41],[0,42,1,42],[0,43,1,43]],"flags":["formulas_cached_only"]}
["PDID","Is the Client Information Available","Manufacturing Product Details(Raw Material)",{"$nulls":12},"Trading Product Details(Trading Product)",{"$nulls":12},"Service Provider Details (Service Provider)",{"$nulls":12},"What Percentage of Total Sales is done on Credit ?","Is the billing information available","Remarks"]
[null,null,"Raw Material Name","Client Name","Title","Contact Person","Contact Person Designation","Contact person Mobile number","STD code","Contact person landline","Payment Terms","Payment Mode","No.of days of Credit Provided by Client(Day from)","No.of days of Credit Provided by Client(Day To)","What % of Total Purchase is Done on Credit?","Trading Product Name","Client Name","Title","Contact Person","Contact Person Designation","Contact person Mobile number","STD code","Contact person landline","Payment Terms","Payment Mode","No.of days of Credit Provided by Client(Day from)","No.of days of Credit Provided by Client(Day To)","What % of Total Purchase is done on Credit?","Service Name","Client Name","Title","Contact Person","Contact Person Designation","Contact person Mobile number","STD code","Contact person landline","Payment Terms","Payment Mode","No.of days of Credit Provided by Client(Day from)","No.of days of Credit Provided by Client(Day To)","What % of Total Purchase is done on Credit?"]

{"sheet":"Stock Info","index":18,"n_rows":2,"n_cols":38,"rows_kept":2,"merged":[[0,0,1,0],[0,1,0,6],[0,7,1,7],[0,8,1,8],[0,9,0,14],[0,15,0,20],[0,21,0,26],[0,27,1,27],[0,28,1,28],[0,29,0,34],[0,35,1,35],[0,36,1,36],[0,37,1,37]],"flags":["formulas_cached_only"]}
["PDID","Manufacturing Stock Details (Raw Material)",{"$nulls":5},"Is the stock of Raw Materials observed, sufficient considering the size of operations","Please comment on the stock level observed","Manufacturing Stock Details(Finished Goods )",{"$nulls":5},"Retail Trading Details(Traded Goods)",{"$nulls":5},"Wholesale Trading Details(Traded Goods)",{"$nulls":5},"Is the stock of finished / traded goods observed, sufficient considering the size of operations","Please comment on the stock level observed","Service Provider Details (Service Provider)",{"$nulls":5},"Is the stock of finished / goods observed, sufficient considering the size of operations","Please comment on the stock level observed","Remarks"]
[null,"Name","Stock","Estimated Quantity","UOM","Specify UOM","Estimated Value of Stock Observed",null,null,"Name","Stock","Estimated Quantity","UOM","Specify UOM","Estimated Value of Stock Observed","Name","Stock","Estimated Quantity","UOM","Specify UOM","Estimated Value of Stock Observed","Name","Stock","Estimated Quantity","UOM","Specify UOM","Estimated Value of Stock Observed",null,null,"Name","Stock","Estimated Quantity","UOM","Specify UOM","Estimated Value of Stock Observed"]