Hostinger Ready RBI & Nayak Compliant

Indian Bank Stock & Debtors Audit Generator

Indian Financial Institutions Working Capital Statement

To calculate drawing limits correctly, commercial banks require subtracting Sundry Creditors (to avoid double financing) and aging Ineligible Debtors >90 days from total collateral pools before applying standardmargins (Stock 25%, Debtors 30%). This standalone tool computes valid margins and generates a dynamic PDF statement.

Dynamic Drawing limit ₹0 Based on Real-Time Collateral

Statement Configuration

Working Capital Limit Configurations (₹)

Drawing Power Real-Time Ledger

Stock Net Collateral ₹0 Less creditors
Debtors Collateral ₹0 Net eligible
Stock DP Margin applied 75% ₹0
Debtors DP Margin applied 70% ₹0
Final Dynamic Drawing Limit ₹0 Strictly bound by sanctioned capital limit
Auditing Guidelines Checklist
  • ✓ Audit Trail compliance: Ensure all earliest storage dates are entered. Banks look at physically counted batch records to prevent system inventory padding.
  • ✓ Deduction of Creditors: Total trade creditors are automatically subtracted from stock values. Neglecting this leaves business promoters suspect under banking audit inspections.
  • ✓ Ineligible Purge: All invoices exceeding 90 days of age are completely eliminated from book debt financing.
Classification | CONFIDENTIAL BANK REPORT

(STATE BANK OF INDIA)

STOCK REPORT STATEMENT OF M/S टाटा वायर-मेश इंडस्ट्रीज

Hypothecated to State Bank of India (SME Branch) Branch as on May 2026

PARTICULARS OF STOCK / GOODS Earliest Storage Date Opening Stocks Receipts / Purchases Deliveries / Sales Closing Stock Value (₹)
Qty Value (₹) Qty Value (₹) Qty Value (₹)
Total Stock Closing Valuation ₹0
Less: Sundry Trade Creditors (E1) ₹0
Paid Stock (Net Collateral Option) ₹0

Auditing Declaration By Borrower Promoters:

  1. In terms of Cash Credit facility loan agreement and allied commitments executed by me/us on _________________, I/We hereby certify that the above figures outline the true and correct audits of hypothecated items lying under our control for STATE BANK OF INDIA, Bengaluru.
  2. The inventory products are fully owned by us. No third-party liens, charges, or structural encumbrances have been placed against these specific assets.
  3. Any slow-moving, obsolete, damaged, or unmarketable inventory items have been correctly isolated and completely excluded from these calculations.

PLACE: ___________________

DATE: May 2026

For M/s Tata Wire-Mesh Industries

BORROWER AUTHORISED SIGNATURE

Classification | CONFIDENTIAL BANK REPORT
ANNEXURE II - DEBTORS AUDIT

STATEMENT OF RECEIVABLE BOOK DEBTS FOR THE MONTH OF MAY 2026 OF M/s Tata Wire-Mesh Industries
FOR STATE BANK OF INDIA BRANCH AS COLLATERAL PLEDGED ONLINE

Sr.No Name & Address of Registered Debtor Party Gross Outstanding Ineligible debts (>90 Days) Eligible Debts (Qualified)
Net Eligible Book Debts Collateral ₹0

DECLARATION BY BORROWER

  1. WE HEREBY DECLARE AND CERTIFY THAT ALL ACCOUNTS RECEIVABLES INCLUDED HEREIN REPRESENT VALID BINDING LIABILITIES AND EXCLUDE BILLED INTERNAL CONCERNS OR SISTER TRANSACTIONS.
  2. WE CERTIY THAT INELIGIBLE DEBTORS CLEARLY CLASSIFY ANY RECORD OUTSTANDING BEYOND THE PRESCRIBED AGING THRESHOLD OF 90 DAYS AND ARE ELIMINATED WITH COMPLIANCE.
  3. THESE BOOK DEBTS RECORD BOOK ACCOUNTS ARE THE ABSOLUTE PROPERTIES OF THE UNDERSIGNED.

PLACE: ___________________

DATE: May 2026

For M/s Tata Wire-Mesh Industries

BORROWER AUTHORISED SIGNATURE