how to write recomendation

1. BT+TOP UP Loan application of Mr. Ranjeet Gupta, Mrs. Gunjan Gupta & M/s. Shubham
Enterprises is for recommendation for approval for Rs. 30 lacs
Applicant Profile
•Mr. Ranjeet Gupta is born on 1980 and married to Miss. Gunjan Gupta.
•Mr. Ranjeet Gupta is having Housing Loan of Rs. 15 Lac Disbursed on Dec'07 from GE Money and
Currently Paying an EMI of Rs. 16106/- and want additional amount by transferring the balance
to us
•Mr. Ranjeet Gupta is having Auto Loan of Rs. 4.5 Lac Disbursed on Dec'10 and Paying an EMI of
Rs. 14549/-
•Mr. Ranjeet Gupta is also maintaining a credit card jointly with his wife having a current balance
of Rs. 3678/- with an overdue of Rs. 580 from last 160 days
Business Profile
Applicant Mr. Ranjeet Gupta is running a Proprietorship firm i.e. Shubham Enterprises which
deals in Sale of Bearing & Hardware from last 8 years in Faridabad (Haryana).
As per the ITR of Shubham Enterprises, they are making a sale of 131.90 Lac, 110.58 Lac & 75.20
Lac in last 3 yrs and converting 12.94%, 13.12% & 13.71% as a Gross Profit Margin and 4.44%,
4.38% & 4.42% as a Net Profit Margin
Banking Details
Applicant Mr. Ranjeet Gupta is maintaining a saving account in AXIS BANK – 34801010007586,
ABB of Rs. 1.03 Lacs is maintained in this account.
Mr. Ranjeet Gupta is maintaining Current A/c of M/S SHUBHAM ENTERPRISES in AXIS BANK –
348010200012768, through which emi of Rs. 16106/- is getting debited in the starting of every
month, Observed that average amount of Rs. 12 Lac is Credited every month and maintaining an
average yearly balance of Rs. 3.5 Lac in this account,
Cibil Details
Deviations
Strengths
Helathy Banking credits.
Sanction Conditions
This sanction is subject to positive Legal and Technical report.
Sanction is subject to postive verification report as per DHFL norms.