One-Stop Facility (OSF) – Loan Size 5 to 15 L

1. How to Login and Check the Loan Application :

Step 1 : Log in with their respective OSF username and password and click Login

Step 2 : After logging in to the TNRTP staff portal, select the module name 

Step 3 : After selecting the MGP module, the user will be redirected to the respective home page

Step 4 : When logged in, click on the ‘MGP Application’ link on the left side menu

Step 5 : On the ‘MGP Application’ tab, click the ‘My Applications’ tab to view the list of loan applications

Step 6 : You can view the number of loan applications by clicking the ‘Open’ tab 

Step 7 : The OSF staff can view EG and PC category loan applications that have been submitted by the public under the ‘Open’ tab, with the status of the application displayed as ‘New’.

Step 8 : The OSF staff can view IE category loan applications that have been evaluated by the ECP under the ‘Open’ tab, with the status of the application displayed as ‘Evaluated’.

Step 7 : OSF staff can view loan application ID, Loan Type, Loan Name, Requested Amount, District Name, Block Name, Application Created Date, Due Date, and Status of the loan in the home page.

2.How to Generate the Business Plan (Loan Size : 5 to 15 Lac):

Step 1 : Log in with their respective OSF username and password and click Login

Step 2 : After logging in to the TNRTP staff portal, select the module name 

Step 3 : After selecting the MGP module, the user will be redirected to the respective home page

Step 4 : When logged in, click on the ‘MGP Application’ link on the left side menu

Step 5 : On the ‘MGP Application’ tab, click the ‘My Applications’ tab to view the list of loan applications

Step 6 : The OSF staff can view EG and PG category loan applications that have been submitted by the public under the ‘Open’ tab, with the status of the application displayed as ‘New’.

Step 7 : If OSF has not evaluated the loan within the assigned SLA timeframe. The number of days past due will be displayed under the ‘Due’ tab.

Step 8 : Select the name of the applicant to be evaluated 

Step 9 : By selecting the applicant name, the OSF staff can view the applicant’s ID, application details and application workflow in detail.

Step 10 : The loan application can be viewed by clicking on ‘View’ and downloaded by clicking on ‘Download’

Step 11 :OSFs can view the date the application was received, and before business plan generation will display a status of “Waiting for Business Plan Preparation”

Step 12 : To create a business plan, click ‘Generate Business Plan’

2.1 How to Create Background Information in the Business Plan (Loan Size : 5 to 15 Lac):

Step 1 : Complete the ‘Background Information’ section of the business plan

Step 2 : Basic Info : Based on the applicant’s details, the applicant’s name, parent and spouse names, gender, date of birth, mobile phone number, email address, Aadhar number and highest qualification details will be auto populated in the basic info tab.

Step 3 : Address : Based on the applicant’s details, Door No, Address Line, District, Block, Panchayat and Pincode details will be auto populated in the Address tab.

Step 4 : Enterprise : 

     Step 4.1 Date of Incorporation : Click on the calendar to select the enterprise’s date of incorporation

     Step 4.2 Age of Enterprise (In Years) : By selecting the date of incorporation, the age of the enterprise will be displayed automatically.

Step 5 : Training Info : If the applicant has attended training, click “Yes”, otherwise click “No”.

     Step 5.1 : If Yes, Specify the category : By clicking the dropdown to choose the category

     Step 5.2 : Name of the Training Program : Specify the name of the training program

     Step 5.3 : Name of the Training Institute/Organisation : Specify the name of the training institute or organisation.

     Step 5.4 : Duration : You can choose the duration of the training by using the dropdown menu

Step 6 : Others : 

     Step 6.1 : Spouse’s Occupation : Select the spouse’s occupation from the dropdown

     Step 6.2 : Special Category :  If the applicant falls under a special category, click “Yes”, otherwise click “No”.

Step : 7 Once the information is entered, click on the ‘Next’ option. The information will be saved as a draft

2.2 How to Create Enterprise Details & Nature in the Business Plan (Loan Size : 5 to 15 Lac) :

Step 1 : Complete the ‘Enterprise Details & Nature’ section of the business plan

Step 2 : Business Info :

          Step 2.1 : Whether Existing or New Business : The applicant’s business status will be automatically populated based on the applicant’s application

          Step 2.2 : Date of Commencement of Business : Click the calendar to choose the start date of the business

          Step 2.3 : Nature of Business : Select the nature of your business from the dropdown

          Step 2.4 : Name of the Business Activity : Enter the name of the business activity

          Step 2.5 : Constitution  : Enter the type of ownership

          Step 2.6 : Whether Registered  : If ‘Yes’, enter the date of registration and the registration number, or choose ‘No’

Step 3 : Registration Details :

          Step 3.1 : Key Licences/Registration required as per business activities: From the dropdown, select the licences and documents required for your business. Fill in the relevant document registration number and registration date based on the data.

Step 4 : Enterprise Nature :

          Step 4.1 : Type of Enterprise: Select the type of enterprise from the dropdown menu.

           Step 4.2 : Product to be produced: Choose which product to produce by clicking the dropdown menu.

           Step 4.2.1 : No.of Prospective users (Households) for the product/Service: Click on the dropdown menu to select the number of prospective household users for the product/service.

           Step 4.2.2 : No.of Prospective users (Establishment for the product/Service): Click on the dropdown menu to select the number of prospective users to establish the product/service from the dropdown menu.

           Step 4.2.3 : No.of sellers selling similar product/service: Click on the dropdown menu to select the number of sellers selling the similar product/service from the dropdown menu.

           Step 4.2.4 : Present Demand: Enter the present demand count and select the unit from the dropdown menu.

           Step 4.2.5 : Current Supply: Enter the current supply count and select the unit from the dropdown menu.

           Step 4.3 : Service to be offered : Select the type of service to be offered from the dropdown menu.

           Step 4.3.1 : No.of Prospective users (Households) for the product/Service: Click on the dropdown menu to select the number of prospective household users for the product/service.

           Step 4.3.2 : No.of Prospective users (Establishment for the product/Service): Click on the dropdown menu to select the number of prospective users to establish the product/service from the dropdown menu.

           Step 4.3.3 : No.of sellers selling similar product/service: Click on the dropdown menu to select the number of sellers selling the similar product/service from the dropdown menu.

           Step 4.3.4 : Present Demand: Enter the present demand count and select the unit from the dropdown menu.

           Step 4.3.5 : Current Supply: Enter the current supply count and select the unit from the dropdown menu.

 Step 5 : Issues and USP:

           Step 5.1 : Current Issues in the business : Click the dropdown menu to choose the type of issue our business is facing.

           Step 5.2 : The entrepreneur has the USP in the selected activity to stay ahead of competition : Click the dropdown to select the entrepreneur has the USP in the selected activity to stay ahead of competition

           Step 5.3 : Describe the USP Selected : Please enter a description for the USP you selected

Step 6 : Once the information is entered, click on the ‘Next’ option. The information will be saved as a draft

2.3 How to Create Technical Feasibility in the Business Plan (Loan Size :5 to 15 Lac):

Step 1 : Complete the ‘Technical Feasibility‘ section of the business plan

Step 2 : Location/Infrastructure :

           Step 2.1 : Land : Pick a land type. If the land type is ‘Own’, upload the land copy document and property tax receipt. Choosing the ‘Lease’ land type will upload the lease copy.

           Step 2.2 : Building : You can choose the type of building by clicking the dropdown menu. 

              Step 2.2.1 : If the building type is ‘Own’, upload the plan approval copy document and property tax receipt. 

             Step 2.2.2 : If the building type is ‘Lease’, upload the plan approval copy document.

             Step 2.2.3 : If the building type is ‘Rent’. Choose whether rent advance is paid or not. If ‘Yes’ Select the proof from the dropdown menu and upload the relevant document proof. 

             Step 2.2.4 : When the building type is ‘Rent’. Choose whether rent advance is paid or not. In the description, enter the amount and source details if the advance is not paid.

           Step 2.3 : In case building under construction, expected date of completion (Optional) : When the building is under construction, select the calendar to enter the completion date 

           Step 2.4 : Electricity : Click on the dropdown menu to select the electricity issues being faced

           Step 2.5 : Water : Choose the water facility data

           Step 2.6 : Local Panchayat Approval : By selecting the dropdown box, you can choose whether or not the local panchayat needs to approve the project

           Step 2.7 : Any Other Approval : If we need any other approval, please provide the details.

Step 3 :Materials Needed:Quantity/Cost/Availability/Delivery Time :

           Step 3.1 : Raw materials (availability to be assessed ) : Select which type of raw materials are available to be accessed using the dropdown menu.

           Step 3.2 : The location is connected by (availability of transportation to be assessed): Click on the dropdown menu and select where the raw materials availability of transportation will be assessed.

           Step 3.3 : Government ceiling/restrictions applicable for procuring raw materials: If there are any government ceilings or restrictions on obtaining raw materials, If ‘Yes’ enter that information or select ‘No’.

           Step 3.4 : Equipment availability: In the options, select ‘Yes‘ for availability of equipment, click dropdown to select the location where we procured the equipment, then delivery time and enter the brand name specification details in the box or choose ‘No’ for no equipment availability.

           Step 3.5 : Is the technology for the business enterprise available: If ‘Yes’ enter that information or select ‘No’.

Step 4 : Skills Requirements :

           Step 4.1 :Availability of skilled labour : Check the availability of skilled labour, If ‘No’ check whether the people can be trained or not, If ‘Yes’ Enter the training period and facility details or choose ‘No’

Step 5 : Once the information is entered, click on the ‘Next’ option. The information will be saved as a draft

2.4 How to Create Commercial Feasibility in the Business Plan (Loan Size : 5 to 15 Lac):

Step 1 : Complete the ‘Commercial Feasibility’ section of the business plan

Step 2 : Marketing Strategy :

          Step 2.1 : Business to Customers (B2C) : When the applicant type is business to customer, enter the expected volume of business and select the units from the dropdown menu, or select ‘No’.

          Step 2.2 : Business to Business (B2B) : If the applicant type is Business to Business (B2B) type

                Step 2.2.1 : What is the expected volume of business : The expected volume of business can be entered and the units can be selected from the dropdown menu.

                Step 2.2.2 : Through Retailers, What is the expected volume of business : The expected volume of business for the retailers can be entered and the units can be selected from the dropdown menu.

                Step 2.2.3 : Through Wholesalers, What is the expected volume of business : The expected volume of business for the wholesalers can be entered and the units can be selected from the dropdown menu.

          Step 2.3 : Business to Business (B2B) : If the applicant type is not for Business to Business (B2B) type

                Step 2.3.1 : Through Retailers, What is the expected volume of business : The expected volume of business for the retailers can be entered and the units can be selected from the dropdown menu.

                Step 2.3.2 : Through Wholesalers, What is the expected volume of business : The expected volume of business for the wholesalers can be entered and the units can be selected from the dropdown menu.

         Step 2.4 : Through Online : If the applicant type is through online is ‘Yes’

           Step 2.4.1 : What is the expected volume of business : Enter the expected volume of business and select the units from the dropdown menu

           Step 2.4.2 : Pricing & Discounts Strategy : Enter the pricing and discount strategy details.

           Step 2.4.3 : Market Promotion Strategies : Enter the market promotion strategies details.

           Step 2.4.4 : Physical and Digital Connectivity : Enter the physical and digital connectivity details.

           Step 2.4.5 : Risk and risk mitigation planned : Enter the risk and risk mitigation planned details.

         Step 2.5 : Through Online : If the applicant type is through online is ‘No’

           Step 2.5.1 : Pricing & Discounts Strategy : Enter the pricing and discount strategy details.

           Step 2.5.2 : Market Promotion Strategies : Enter the market promotion strategies details.

           Step 2.5.3 : Physical and Digital Connectivity : Enter the physical and digital connectivity details.

           Step 2.5.4 : Risk and risk mitigation planned : Enter the risk and risk mitigation planned details.

Step 3 : Once the information is entered, click on the ‘Next’ option. The information will be saved as a draft

2.5 How to Create Environmental Assessment in the Business Plan (Loan Size : 5 to 15 Lac):

Step 1 : Complete the ‘Environmental Assessment’ section of the business plan

Step 2 : Environmental Assessment :

          Step 2.1 : Category of the enterprise proposed : By clicking the dropdown, to choose the category of the enterprise proposed.

           Step 2.2 : Whether CTO has been obtained from TNPCB for an enterprise other than ‘White’ Category : If the “Consent To Operate ( CTO) has been obtained from TNPCB for enterprises other than “White” category choose ‘Yes’ or ‘No’

           Step 3 : Once the information is entered, click on the ‘Next’ option. The information will be saved as a draft

2.6 How to Create Sales and Cost of Raw Material in the Business Plan (Loan Size : 5 to 15 Lac):

Step 1 : Complete the ‘Sales and Cost of Raw Material’ section of the business plan

Step 2 : Working Days:

          Step 2.1 : No of Working days per annum : Enter the total number of working days per annum

          Step 2.2 : No.of Business Plan Projection (in Years) : Enter the total number of business plan projection in years

Step 3 : Sales:

          Step 3.1 : Name of the product : The name of the product is automatically populated by the enterprise nature section

          Step 3.2 : Total number of units sold per annum : Enter the total number of units sold per annum

          Step 3.3 : Rate per units : Enter the per unit rate in rupees

          Step 3.4 : Total Sales : It will be calculated automatically by multiplying the number of units sold per annum by the rate per unit

Step 4 : Cost:

          Step 4.1 : Name of the Raw Material : Enter the name of the raw material

          Step 4.2 : Quantity Purchased per annum : Enter the total quantity purchased per annum

          Step 4.3 : Rate per units : Enter the per unit rate in rupees

          Step 4.4 : Cost of Raw Material : It will be calculated automatically by multiplying the quantity purchased per annum by the rate per unit

Step 5 : Once the information is entered, click on the ‘Next’ option. The information will be saved as a draft

2.7 How to Create Profitability in the Business Plan (Loan Size : 5 to 15 Lac):

Step 1 : Complete the ‘Profitability’ section of the business plan

Step 2 : Profitability :

          Step 2.1 Gross Sales (A) : The gross sales amount will get auto populated based on the data enter in the sales and cost of raw material

          Step 2.2 Total Cost of Raw Material (5) : The total cost of raw material amount will get auto populated based on the data enter in the sales and cost of raw material

          Step 2.3 Packing Materials : Enter the cost of packing materials

          Step 2.4 Power & Utilities : Enter the cost of Power & Utilities

          Step 2.5 Wages & Salary : Enter the cost of wages and salary

          Step 2.6 Repair & Maintenance : Enter the cost of repair and maintenance

          Step 2.7 Depreciation : Enter the depreciation cost

          Step 2.8 Other Expenses : Enter the other expenses cost

          Step 2.9 Subtotal : The total sum of total cost material, packing materials, power & utilities, wages & salary, Repair & maintenance, Depreciation and other expenses amount will be calculated automatically

          Step 2.10 Add Opening Stock in Process : Enter the cost of total add opening stock in process

          Step 2.10 Less : Closing Stock in Process : Enter the cost of total less closing stock in process

          Step 2.11 Cost of Production : The total production cost will be calculated by adding the cost of material, packing materials, power & utilities, wages and salaries, repair & maintenance, depreciation, and other expenses to the opening stock in process, and subtracting it from the closing stock in process. 

          Step 2.12 Add Opening Stock in Finished Goods : Enter the cost of total add opening stock in finished goods

          Step 2.10 Less : Closing Stock in Finished Goods : Enter the cost of total less closing stock in finished goods

          Step 2.11 Cost of Sales : The total sales cost will be calculated by adding the cost of production and to the opening stock in finished goods, and subtracting it from the closing stock in finished goods.

           Step 2.12 Gross Profit : The gross profit will be calculated using the difference between the gross sales and the cost of sales

           Step 2.13 Interest on Loan : Enter the loan interest amount

           Step 2.14 Selling and Administrative Exp : Enter the selling and administrative exp amount 

           Step 2.15 Taxes : Enter the amount of taxes

           Step 2.16 Insurance : Enter the amount of insurance

           Step 2.17 Rent : Enter the rent amount 

           Step 2.18 Subtotal : The total sum of interest on loan, selling and administrative exp, taxes, insurance and rent will be calculated automatically

           Step 2.19 Operating Profit : The operating profit will be calculated using the difference between the gross profit and the subtotal

            Step 2.20 Add Non Operating Income : Enter the non operating income amount

             Step 2.21 Net Profit After Tax : The net profit  after tax amount is calculated by adding the operating profit and non-operating income amounts

             Step 2.22 Cash Surplus : The cash surplus is calculated by adding the net profit tax and depreciation amount

             Step 2.23 Repayment of loan Principal Per annum : Enter the repayment of loan principal amount per annum

             Step 2.24 DSCR : The DSCR amount is calculated by adding the cash surplus and the interest of the loan and dividing by the repayment of the loan principal each year and the interest that is paid on it.

             Step 2.25 Project Period in Years : The project duration period is automatically calculated from the sales and cost of raw materials sections

             Step 2.26 Sum DSCR : This amount will be calculated automatically from the DSCR

            Step 2.27 Average DSCR : The average DSCR is calculated by dividing the sum of the DSCR amounts by the project period in years.

             Step 2.28 Comments & Recommendations : Enter the comments or recommendations in the box

             Step :3 Once the information is entered, click on the ‘Next’ option. The information will be saved as a draft

2.8 How to Create Financial Viability in the Business Plan (Loan Size : 5 to 15 Lac):

Step 1 : Complete the ‘Financial Viability’ section of the business plan

Step 2 : Production Process 

           Step 2.1 Operating Cycle (operating cycle may be one-day / week / month or one year as per the activity selected) : By clicking the dropdown to choose the operating cycle, Based on the activity selected the operating cycle can varies from 1 day to 1 year

Step 3 : Cost of the Project 

           Step 3.1 : Building : In the event that the applicant owns a building, either choose ‘Yes’ or choose ‘No’, if ‘Yes’, enter the details below.

                 Step 3.1.1 : Total sq.ft to be built : Enter the total square feet to built

                 Step 3.1.2 : Cost of construction per sq.ft : Enter the per sq.feet construction cost

                 Step 3.1.3 : Total cost of the building : To calculate the total cost of the building, the total square ft to be built will be multiplied by the per square ft construction cost.

           Step 3.2 : Machinery Equipment : In the event that the applicant has machinery equipment, either choose ‘Yes’ or choose ‘No’, if ‘Yes’, enter the details below.

                  Step 3.2.1 : Name : Enter the machinery equipment name

                  Step 3.2.2 : Quantity : Enter the count of the quantity

                  Step 3.2.3 : Unit Value : Enter the per quantity cost value  

                  Step 3.2.4 : Total Cost : The total cost will be multiplied by the quantity and unit value

                  Step 3.2.5 : Supplier : Enter the supplier name  

                  Step 3.2.6 : Add more machinery equipment by clicking ‘Add’

                   Step 3.2.7 : Total cost of the Machinery/Equipment : The total value of the machinery/equipment will be added to the total cost

Step 3.3 : Any other permissible Capital expenditure : In the event that the applicant has any other permissible capital expenditure, either choose ‘Yes’ or choose ‘No’, if ‘Yes’, enter the details below.

                  Step 3.3.1 : Name : Enter the capital expenditure name

                  Step 3.3.2 : Quantity : Enter the count of the quantity

                  Step 3.3.3 : Unit Value : Enter the per quantity cost value  

                  Step 3.3.4 : Total Cost : The total cost will be multiplied by the quantity and unit value

                  Step 3.3.5 : Total cost of other Capital expenditure : The total value of the other capital expenditure amount will be added to the total cost 

Step 3.4 : Total Fixed Cost : The total fixed cost will be calculated by adding the total cost of building, machinery equipment and other permissible capital expenditure amount 

Step 4 : Working Capital for One Operating Cycle 

Step 4.1 : Raw Material : 

                  Step 4.1.1 : Name : The name of the material will be auto-populated from the raw material sales and cost section

                  Step 4.1.2 : No.of Working days per annum : The number of working days per annum is automatically populated from the sales and cost of raw materials sections.

                  Step 4.1.3 : No. of days holding : Enter the number of holding days

                  Step 4.1.4 : Cost of Raw Material per annum : The cost of the raw material per annum is automatically populated from the sales and cost of raw materials sections.

                  Step 4.1.5 : Value of Raw Material : The value of raw material is determined based on the Cost of Raw Material per annum divided by the number of working days per annum, multiplied by the number of days hold.

Step 4.2 : Semi Finished Goods : 

                  Step 4.2.1 : No. of days Holding : Enter the number of holding days

                  Step 4.2.2 : Cost of production per annum : The cost of the production per annum value is automatically populated from the profitability sections.

                  Step 4.2.3 : Value of Semi Finished Goods : The value of semi finished goods is determined based on the Cost of production per annum divided by the number of working days per annum, multiplied by the number of days holding.

Step 4.3 : Finished Goods : 

                  Step 4.3.1 : No. of days Holding : Enter the number of holding days

                  Step 4.3.2 : Cost of sales per annum : The cost of the sales per annum value is automatically populated from the profitability sections.

                  Step 4.3.3 : Value of Semi Finished Goods : The value of semi finished goods is determined based on the Cost of production per annum divided by the number of working days per annum, multiplied by the number of days holding.

Step 4.4 : Receivables/Debtors : 

                  Step 4.4.1 : No of days taken to realise the dues from debtors : Enter the number of days taken to realise the dues from debtors

                  Step 4.4.2 :Gross sales per annum : The gross sales per annum value is automatically populated from the sales and cost of raw materials sections.

                  Step 4.4.3 : Value of Receivables : The value of receivables is determined based on the Gross sales per annum divided by the number of working days per annum, multiplied by the number of days taken to realise the dues from debtors.

                  Step 4.4.4 : Total Working Capital for One Operating Cycle : The total working capital for one operating cycle is calculated based on the addition of value of raw material, value of semi finished goods, value of finished goods and value of receivables.

                  Step 4.4.5 :No. Days taken to settle credit purchase : Enter the total number of days taken to settle the credit purchase.

                  Step 4.4.6 : Creditors for purchase of raw material : The Creditors for purchase of raw material is determined based on the cost of raw material per annum divided by the number of working days per annum, multiplied by the No. of days taken to settle the credit purchase.

                  Step 4.4.7 : Creditors for purchase of raw material: The Creditors for purchase of raw material cost is equal to the creditors for purchase of raw material

                  Step 4.4.8 : Actual Working Capital Required: Working capital required is a function of the difference between total working capital for one operating cycle and creditors for raw material purchases.

                  Step 4.4.9 : Project Cost Arrived as per TNRTP : The project cost arrived as per the TNRTP amount is calculated based on the sum of total fixed cost and actual working capital required amount.

Step 4.5 : Means of the Project : 

                  Step 4.5.1 : Loan Amount : Enter the Loan Amount

                  Step 4.5.2 : Margin Money : Enter the margin money

                  Step 4.5.3 : Any Other Source : If the applicant has addition cost enter the other source amount

                  Step 4.5.4 : Total Means of the Project : The total means of the project is calculated based on the addition of loan amount, margin money and any other source amount

                  Step 4.5.5 : Whether The entrepreneur has sufficient means to bring in the margin money and has enough buffer to manage any cost escalations: If the entrepreneur has sufficient means to bring in the margin money and has enough buffer to manage any cost escalations, click the dropdown to choose how to manage the cost escalations, otherwise choose ‘No’.

                  Step 4.5.6 : Comments on Cost and Mean of the Project: Enter the comments on cost and mean of the project

Step 4.6 : Comments & Recommendation : 

                  Step 4.6.1 : Final Comments & Recommendations : Enter the final comments and recommendations in the dropbox

Step 5: Once the information is entered, click on the ‘Finish’ option. The information will be saved as a draft

2.9 How to Review and Submit in the Business Plan (Loan Size : 5 to 15 Lac):

Step 1: Once the information is entered in the ‘Financial Viability’ section, click on the ‘Finish’ option. The information will be saved as a draft

Step 2 : The staff can able to print the report by clicking the ‘Print’ option

Step 3 : The staff can able to download the report by clicking the ‘Download’ option

Step 4 : Review the generated business plan report, if there are any changes that need to be made in any of the fields, please select the field to Edit, and update the changes and Click ‘Submit’

Step 5 : Once the data has been verified by the OSF staff officer,      select -> Submit option -> A upload confirmation popup will appear on the screen

Step 6 : Once the OSF staff submitted, the popup will appear like ‘Application Uploaded Successfully’

3.How to View the in the Business Plan Report (Loan Size : 5 to 15 Lac):

Step 1 : Log in with their respective OSF username and password and click Login

Step 2 : After logging in to the TNRTP staff portal, select the module name 

Step 3 : After selecting the MGP module, the user will be redirected to the respective home page

Step 4 : When logged in, click on the ‘MGP Application’ link on the left side menu

Step 5 : On the ‘MGP Application’ tab, click the ‘My Applications’ tab to view the list of loan applications

Step 6 : Click on the application to view the applicant’s details

Step 7 : To view the business plan, click on the ‘View’ button to view the applicant in detail

Step 8 : The staff can able to print the report by clicking the ‘Print’ option

Step 9 : The staff can able to download the report by clicking the ‘Download’ option

4. How to Continue the Draft in the Business Plan (Loan Size : 5 to15 Lac):

Step 1 : Log in with their respective OSF username and password and click Login

Step 2 : After logging in to the TNRTP staff portal, select the module name 

Step 3 : After selecting the MGP module, the user will be redirected to the respective home page

Step 4 : When logged in, click on the ‘MGP Application’ link on the left side menu

Step 5 : On the ‘MGP Application’ tab, click the ‘My Applications’ tab to view the list of loan applications

Step 6 : As a draft, the incomplete report information will be saved

Step 7 : Click Continue -> You will be redirected to the appropriate tab to complete the business plan

5. How to Generate the Networth Report in the Business Plan (Loan Size : 5 to15 Lac):

Step 1 : Log in with their respective OSF username and password and click Login

Step 2 : After logging in to the TNRTP staff portal, select the module name 

Step 3 : After selecting the MGP module, the user will be redirected to the respective home page

Step 4 : When logged in, click on the ‘MGP Application’ link on the left side menu

Step 5 : On the ‘MGP Application’ tab, click the ‘My Applications’ tab to view the list of loan applications

Step 6 : By selecting the applicant name, the OSF staff can view the applicant’s ID, application details and application workflow in detail.

Step 7 :OSFs can view the date the application was received, and before networth report generation will display a status of “Waiting for Business Plan Preparation”

Step 8 : To create a Net Worth Report, click ‘Create Net Worth Report’

Step 9 : Immovable Properties :

             Step 9.1 : Land : If the applicant owns land, enter its value in rupees or enter the value ‘0’

             Step 9.2 : House Plot : If the applicant owns plot, enter its value in rupees or enter the value ‘0’

             Step 9.3 : Building : If the applicant owns building, enter its value in rupees or enter the value ‘0’   

Step 10 : Immovable Assets :

             Step 10.1 : Vehicle : If the applicant owns vehicle, enter its value in rupees or enter the value ‘0’

             Step 10.2 : Household Assets : If the applicant owns household assets, enter its value in rupees or enter the value ‘0’

             Step 10.3 : Jewels : If the applicant owns jewels, enter its value in rupees or enter the value ‘0’

Step 11 : Liquid Assets :

             Step 11.1 : Investment in financial instruments : If the applicant has invested any financial instruments, enter their value in rupees or enter ‘0’.

             Step 11.2 : Cash at Bank : If the applicant has any cash at the bank, enter the value in rupees or enter ‘0’

             Step 11.3 : Cash on Hand : If the applicant has cash on hand, enter its value in rupees or enter ‘0’

             Step 11.4 : Total Assets : The total sum of immovable properties, Movable assets and Liquid assets amount will be calculated automatically and the amount displayed in the total asset section.

Step 12 : Liabilities :

             Step 12.1 : Borrowing from formal financial institutions : If the applicant has borrowed from a formal financial institution, click the drop-down to select the bank and enter the amount in rupees or enter ‘0’.

             Step 12.2 : Borrowing from informal sources : If the applicant has borrowed from informal sources, enter the value in rupees or enter ‘0’

             Step 12.3 : Total Liabilities (a+b) : The sum of the formal financial institution amount and the informal source amount will be combined and displayed automatically

             Step 12.4 : Net Worth (A-B) : Net Worth is calculated as the difference between total assets and total liabilities

Step 13 : After entering the details, click “Submit”, Once click the submit button, the toast message will be displayed as  ‘Success’

6.How to View the in the Net Worth Report (Loan Size : 5 to15 Lac):

Step 1 : Log in with their respective OSF username and password and click Login

Step 2 : After logging in to the TNRTP staff portal, select the module name 

Step 3 : After selecting the MGP module, the user will be redirected to the respective home page

Step 4 : When logged in, click on the ‘MGP Application’ link on the left side menu

Step 5 : On the ‘MGP Application’ tab, click the ‘My Applications’ tab to view the list of loan applications

Step 6 : Click on the application to view the applicant’s details

Step 7 : To view the Net Worth Repot, click on the ‘View’ button to view the applicant in detail

Step 8 : The staff can view the net worth report in detail

7.How to Continue the Draft in the Net Worth Report (Loan Size : 5 to15 Lac):

Step 1 : Log in with their respective OSF username and password and click Login

Step 2 : After logging in to the TNRTP staff portal, select the module name 

Step 3 : After selecting the MGP module, the user will be redirected to the respective home page

Step 4 : When logged in, click on the ‘MGP Application’ link on the left side menu

Step 5 : On the ‘MGP Application’ tab, click the ‘My Applications’ tab to view the list of loan applications

Step 6 : As a draft, the incomplete report information will be saved

Step 7 : Click Continue -> You will be redirected to the appropriate tab to complete the business plan

8. How to Generate the Risk Assessment in the Business Plan (Loan Size : 5 to 15 Lac):

Step 1 : Log in with their respective OSF username and password and click Login

Step 2 : After logging in to the TNRTP staff portal, select the module name 

Step 3 : After selecting the MGP module, the user will be redirected to the respective home page

Step 4 : When logged in, click on the ‘MGP Application’ link on the left side menu

Step 5 : On the ‘MGP Application’ tab, click the ‘My Applications’ tab to view the list of loan applications

Step 6 : By selecting the applicant name, the OSF staff can view the applicant’s ID, application details and application workflow in detail.

Step 7 :OSFs can view the date the application was received, and before completing the risk assessment report it will display a status of “Waiting for Business Plan Preparation”

Step 8 : To create a Net Worth Report, click ‘Create Risk Assessment’

Step 9 : Clicking on the ‘Create Risk Assessment’ tab will redirect you to the risk assessment sections

8.1 Method of Generating the Credit Risk in Risk Assessment (Loan Size : 5 to 15 Lac):

First Tab : Credit Risk

               Step 1 : Entrepreneur lives permanently in the address given in the KYC documents : Click the dropdown to select the number of years the entrepreneur has lived in the address

               Step 2 : Is there any negative references about the entrepreneur during oral enquiry : If the entrepreneur has any negative references, click ‘Yes’ or choose ‘No’. 

              Step 3 : Whether the entrepreneur has a bank account? : If the      entrepreneur is having bank account select ‘Yes’ or choose ‘No’         

     Step 4 : If Yes, is it a current a/c or savings Bank account : Select the account type from the dropdown box if the entrepreneur has a bank account

     Step 5 : Is it an Operating/Inoperative account : By clicking the dropdown to choose the type of the account

     Step 6 : Has the entrepreneur received any credit assistance from banks ? : If the entrepreneur received any credit assistance from bank choose ‘Yes’ or choose ‘No’

     Step 7 : Whether the loan repayment are prompt as per the statement of loan account? In the case of SHG member, whether the SHG has fully repaid at least one cycle of loan : If the entrepreneur has repaid the loan ontime, Incase of SHG member the SHG has fully repaid the loan at least one cycle choose ‘Yes’ or choose ‘No’

     Step 8 : Cibil Score : By clicking the dropdown to choose the cibil score range.

     Step 9 : Our risk assessment score will be calculated automatically after answering each question.

     Step 10 : Once the information is entered, click on the ‘Next’ option. The information will be saved as a draft

8.2 Method of Generating the Operational Risk in Risk Assessment (Loan Size : 5 to 15 Lac):

 Second Tab : Operational Risk

               Step 1 : Chances of systems failure (e.g. IT servers kept in risk areas like flood-prone or earthquake-prone areas) in the proposed business : Click the dropdown to choose the type of system failure in the business proposed area

               Step 2 : Chances of Cyber attack or any attempt of unauthorised access into the network : Select a dropdown menu to determine whether the building has a possibility of cyberattack or unauthorised access into the network

               Step 3 : Chances of Physical damage that may be caused to the network by fire or explosion, flood, vandalism, power disruption, severe weather, or other extreme event: Click the dropdown menu to select whether there is a chance of damage to the network.

               Step 4 : Whether arrangements have been made to display contact numbers of Emergency Services like Police, Fire, Ambulance etc., in the working place?: Click the dropdown menu to choose whether there is any arrangements have been made to display the emergency contact number

              Step 5 : Do you have certain people to trust whom you know personally from many years and who can be dependable?: Choosing ‘Yes’ or ‘No’ means the entrepreneur trusts and knows certain people personally from many years.

               Step 6 : Do you have a clear & strict protocol for every employee engaged in the business? : You can choose ‘Yes’ or ‘No’ depending on whether the applicant has clear and strict policies for every employee.

               Step 7 : Do you allow open communication to all the employees? : You can choose ‘Yes’ or ‘No’ depending on whether the entrepreneur has allowed open communication to all employees.

               Step 8 : Is the Location of the unit offer advantage for availability of raw material? : You can choose ‘Yes’ or ‘No’ depending on whether the location of the unit offer advantage for availability of raw material

               Step 9 : Is the Location of the unit offer any advantage for proximity of the market for finished product ? : You can choose ‘Yes’ or ‘No’ depending on whether the location of the unit offer advantage for availability of proximity of the market for finished product

               Step 10 : Is the technology suitable for the enterprise, is it easily available? : You can choose ‘Yes’ or ‘No’ depending on whether the technology suitable for the enterprise is easily available

               Step 11 : Is the availability of skilled labourers/employees for enterprise adequate ? : You can choose ‘Yes’ or ‘No’ depending on whether the skilled labourers for the enterprise adequate

               Step 12 : Is the cost of the skilled labourers/employees can be acceptable? : You can choose ‘Yes’ or ‘No’ depending on whether the skilled labourers can be acceptable or not

               Step 13 : Is the area is prone to natural disasters like Flood, Cyclone, Earthquake, Tsunamis, Storms etc : By clicking the dropdown, to choose whether this area is prone to natural disaster or not.

                Step 14 : What would happen if power is lost for more than 24 hours? : By clicking the dropdown, to what would happen if the power is lost for more than 24 hours

                Step 15 : Loss of a well trained skilled person affect my business? : You can choose ‘Yes’ or ‘No’ depending on whether loss of well trained skilled person will affect the business or not

      Step 16 : Our risk assessment score will be calculated automatically after answering each question.

      Step 17 : Once the information is entered, click on the ‘Next’ option. The information will be saved as a draft

8.3 Method of Generating the Business Risk in Risk Assessment (Loan Size : 5 to 15 Lac):

Third Tab : Business Risk

              Step 1 : Experience of the entrepreneur in the Line of activity selected : By clicking the dropdown, to choose the experience of the entrepreneur in the Line of activity selected

              Step 2 : Have you canvassed any order for your business : You can choose ‘Yes’ or ‘No’ depending on whether you canvassed any order for your business or not.

              Step 3 : If Yes, How many households are there in the pipeline to receive your Product or Services : By clicking the dropdown, to choose how many households are there in the pipeline to receive your Product or Services

              Step 4 : Have you canvassed any institution/organisation to supply your Product or Services : You can choose ‘Yes’ or ‘No’ depending on whether you canvassed any institution/organisation to supply your product or services or not.

              Step 5 : If Yes, How many : By clicking the dropdown, to choose how many households to supply your product or services

              Step 6 : Have you got an order for bulk supply of your Product or Services : You can choose ‘Yes’ or ‘No’ depending on whether you got an order for bulk supply of your Product or Services or not.

               Step 7 : If Yes, How many : By clicking the dropdown, to choose how many orders for bulk supply of your Product or Services

               Step 8 : Will you spend for advertising your product/services : You can choose ‘Yes’ or ‘No’ depending on whether you spend for advertising your product/services

               Step 9 : How will you differentiate your Products and Services to Succeed in highly Competitive Markets : By clicking the dropdown to choose that how will you differentiate your Products and Services to Succeed in highly Competitive Markets

               Step 10 : How will you collect your Payments ? : By clicking the dropdown to choose the payment collection method

               Step 11 : How long will you allow credit sales? : By clicking the dropdown to choose how long you will allow the credit sales

               Step 12 : Our risk assessment score will be calculated automatically after answering each question.

     Step 13 : Once the information is entered, click on the ‘Next’ option. The information will be saved as a draft

8.4 Method of Generating the Implementation Risk in Risk Assessment (Loan Size : 5 to 15 Lac):

Fourth Tab : Implementation Risk

               Step 1 : Is there any delay in the construction due to delay in obtaining approval from Government in case of own building or delay in occupying the rental premise : You can choose ‘Yes’ or ‘No’ depending on whether is there is any delay in construction due to delay in obtaining approval from Government in case of own building or delay in occupying the rental premise

               Step 2 : Whether the business will commence on time as per plan : You can choose ‘Yes’ or ‘No’ depending on whether the business will commence on time as per plan

               Step 3 : Our risk assessment score will be calculated automatically after answering each question.

      Step 4 : Once the information is entered, click on the ‘Next’ option. The information will be saved as a draft

8.5 Method of Generating the Financial Risk in Risk Assessment (Loan Size 5 to 15 Lac):

Fifth Tab : Financial Risk

               Step 1 : What if one of your biggest customers went bust and couldn’t pay? : By clicking the dropdown to choose What if one of your biggest customer went bust and couldn’t pay      

               Step 2 : What if the interest rate on loans increased dramatically? Could we still pay? : By clicking the dropdown to choose if the interest rate on loan increase dramatically

               Step 3 : How much money do your clients owe you and what would happen if many of them were paying late? : By clicking the dropdown to choose how much money do your clients owe you and what would happen if many of them were paying late

               Step 4 : Type of Enterprise Activities : By clicking the dropdown to choose the type of enterprise activity. The questions will vary based on the choice of enterprise category.

                    Step 4.1 : Indicate your Current ratio (Actual / Estimated/ Projected) if you are engaged in General category activities other than Trade/service/Business/MSME : By clicking the dropdown to choose the current ratio that we engaged in the general category activities other than trade/business/MSME

                    Step 4.2 : Indicate your Current ratio Actual/Estimated/Projected if you are engaged in Business/Service activity : By clicking the dropdown to choose the current ratio that we engaged in the business/service activity

                    Step 4.3 : Indicate your Current ratio (Actual / Estimated/ Projected) if you are engaged in MSME activity : By clicking the dropdown to choose the current ratio that we engaged in the MSME activity

               Step 5 : What is the Debt Equity Ratio (Actual/ Estimated/ Projected) of the enterprise ? : By clicking the dropdown to choose the debt equity ratio

               Step 6 : What is the Debt Service Coverage Ratio of the enterprise is? : By clicking the dropdown to choose the debt service coverage ratio of the enterprise

               Step 7 : What is the Actual/Estimated/Projected operating profit Margin? : By clicking the dropdown to choose the actual estimated projected operating profit

               Step 8 : Our risk assessment score will be calculated automatically after answering each question.

      Step 9 : Once the information is entered, click on the ‘Next’ option. The information will be saved as a draft

8.6 Method of Generating the Environmental Risk in Risk Assessment (Loan Size : 5 to 15 Lac):

Sixth Tab : Environmental Risk

                Step 1 : Whether the selected activity is in the Negative list : You can choose ‘Yes’ or ‘No’ if the selected activity is in the Negative list

                Step 2 : Whether the enterprise is categorised as ” White” as per CPCB guidelines : You can choose ‘Yes’ or ‘No’ if the enterprise is categorised as ” White” as per CPCB guidelines

                Step 3 : If the enterprise is falling under another category whether a ” Consent to Operate” certificate has been obtained? : You can choose ‘Yes’ or ‘No’ if the enterprise is falling under other category whether “Consent to Operate” certificate has been obtained

                Step 4 : Our risk assessment score will be calculated automatically after answering each question.

       Step 5 : Once the information is entered, click on the ‘Submit’ option. 

       Step 6 : Once the data has been verified by the OSF staff officer,      select -> Submit option -> A upload confirmation popup will appear on the screen click ‘Yes’

Step 7 : Once the OSF staff submitted, the popup will appear like ‘Application Uploaded Successfully’

9.How to Continue the draft in Risk Assessment Report (Loan Size : 5 to 15 Lac):

Step 1 : Log in with their respective OSF username and password and click Login

Step 2 : After logging in to the TNRTP staff portal, select the module name 

Step 3 : After selecting the MGP module, the user will be redirected to the respective home page

Step 4 : When logged in, click on the ‘MGP Application’ link on the left side menu

Step 5 : On the ‘MGP Application’ tab, click the ‘My Applications’ tab to view the list of loan applications

Step 6 : As a draft, the incomplete report information will be saved

Step 7 : Click Continue -> You will be redirected to the appropriate tab to complete the risk assessment

10.How to View the in the Risk Assessment (Loan Size : 5 to 15 Lac):

Step 1 : Log in with their respective OSF username and password and click Login

Step 2 : After logging in to the TNRTP staff portal, select the module name 

Step 3 : After selecting the MGP module, the user will be redirected to the respective home page

Step 4 : When logged in, click on the ‘MGP Application’ link on the left side menu

Step 5 : On the ‘MGP Application’ tab, click the ‘My Applications’ tab to view the list of loan applications

Step 6 : Click on the application to view the applicant’s details

Step 7 : To view the Risk Assessment, click on the ‘View’ button to view the applicant risk assessment in detail

11.How to Generate the Loan Application by OSF (Loan Size : 5 to 15 Lac):

Step 1 : Log in with their respective OSF username and password and click Login

Step 2 : After logging in to the TNRTP staff portal, select the module name 

Step 3 : After selecting the MGP module, the user will be redirected to the respective home page

Step 4 : When logged in, click on the ‘MGP Application’ link on the left side menu

Step 5 : On the ‘MGP Application’ tab, click the ‘My Applications’ tab to view the list of loan applications

Step 6 : By selecting the applicant name, the OSF staff can view the applicant’s ID, application details and application workflow in detail.

Step 7 :OSFs can view the date the application was received, and before completing the loan application by OSF report it will display a status of “Waiting for Business Plan Preparation”

Step 8 : Click the dropdown to select the 3 preferred bank and branch details 

Step 9 : Click ‘Submit Loan Application’ it will redirected to the Loan application by OSF 5 to 15 Lakhs

11.1 How to Create the Profile Entrepreneur in the OSF Loan Application (Loan Size : 5 to 15 Lac):

First Tab : Profile of the Entrepreneur

Step 1 : Basic Info

     Step 1.1 Category of Loan : Click the dropdown to choose the loan category

     Step 1.2 Photo : Click ‘Browse’ to upload the photograph 

     Step 1.3 Name : The applicant name will get auto populated based on the details entered in the business plan annexure

     Step 1.4 Spouse Name : The applicant spouse name will get auto populated based on the details entered in the business plan annexure

     Step 1.5 Mobile Number : The applicant mobile number will get auto populated based on the details entered in the business plan annexure

     Step 1.6 Date of Birth : The applicant date of birth will get auto populated based on the details entered in the business plan annexure 

     Step 1.7 E-Mail : The applicant e-mail will get auto populated based on the details entered in the business plan annexure

     Step 1.8 Aadhar : The applicant aadhar will get auto populated based on the details entered in the business plan annexure

     Step 1.9 PAN : The applicant PAN card will get auto populated based on the details entered in the business plan annexure

     Step 1.10 Highest Education Qualification : The applicant highest qualification will get auto populated based on the details entered in the business plan annexure

Step 2 : Address

     Step 2.1 Door No : The applicant door no will get auto populated based on the details entered in the business plan annexure

     Step 2.2 Address : The applicant address will get auto populated based on the details entered in the business plan annexure

     Step 2.3 District : The applicant district will get auto populated based on the details entered in the business plan annexure

     Step 2.4 Block : The applicant Block will get auto populated based on the details entered in the business plan annexure

     Step 2.5 Panchayat : The applicant panchayat will get auto populated based on the details entered in the business plan annexure

     Step 2.6 Pincode : The applicant Pincode will get auto populated based on the details entered in the business plan annexure

Step 3 : Enterprise

     Step 3.1 Date of Incorporation : The applicant incorporation date will get auto populated based on the details entered in the business plan annexure

     Step 3.2 Age of Enterprise : The applicant enterprise age will get auto populated based on the details entered in the business plan annexure

     Step 3.3 Number of years experience in the business : Enter the number of experience years in the business

Step 4 : Training Info

     Step 4.1 Training Info : The applicant training information will get auto populated based on the details entered in the business plan annexure

Step 5 : Others

     Step 5.1 Spouse Occupation : The applicant spouse occupation will get auto populated based on the details entered in the business plan annexure

     Step 5.2 Special Category : The applicant special category will get auto populated based on the details entered in the business plan annexure  

Step 6 : Once the information is entered, click on the ‘Next’ option. The information will be saved as a draft

11.2 How to Create the Profile of the Enterprise in the OSF Loan Application (Loan Size : 5 to 15 Lac):

Second Tab : Profile of the Enterprise

Step 1 : Business Info

     Step 1.1 Whether Existing or New Business : The applicant business type will get auto populated based on the details entered in the business plan annexure

     Step 1.2 Nature of Business : The applicant nature of business will get auto populated based on the details entered in the business plan annexure 

     Step 1.3 Nature of Business Activity : The applicant business activity will get auto populated based on the details entered in the business plan annexure  

     Step 1.4 Whether Registered : The applicant registered will get auto populated based on the details entered in the business plan annexure  

Step 2 : Registration Details

     Step 2.1 Key licences/Registrations required as per business activities : The applicant business activities will get auto populated based on the details entered in the business plan annexure

     Step 2.2 Registration Number : The applicant registration number will get auto populated based on the details entered in the business plan annexure

      Step 2.3 Date of Registration : The applicant registration date will get auto populated based on the details entered in the business plan annexure

Step 3 : Once the information is entered, click on the ‘Next’ option. The information will be saved as a draft

11.3 How to Create the Banking Details in the OSF Loan Application (Loan Size : 5 to 15 Lac):

Third Tab : Banking Details

Step 1 : Banking Details

        Step 1.1 The enterprise has separate bank account : If the enterprise has separate bank account choose ‘Yes’ or select ‘No’

        Step 1.2 If ‘Yes’ Enter the below mentioned details

        Step 1.3 If Yes, name of the bank and branch : Enter the name of the bank and branch 

        Step 1.4 Nature of the Facility : By clicking the dropdown, to choose the nature of the facility

        Step 1.5 Limit Sanctioned : Enter the loan sanction limit

        Step 1.6 Balance outstanding as on date : Enter the outstanding balance  

        Step 1.7 Security offered : By clicking the dropdown, to choose the security offered

Step 2 : Once the information is entered, click on the ‘Next’ option. The information will be saved as a draft

11.4 How to Create the Enterprise to be promoted in the OSF Loan Application (Loan Size : 5 to 15 Lac):

Fourth Tab : Enterprise to be Promoted

Step 1 : Enterprise Nature

     Step 1.1 Type of Enterprise : The applicant enterprise type will get auto populated based on the details entered in the business plan annexure

     Step 1.2 Product to be Produced : The applicant product to be produced will get auto populated based on the details entered in the business plan annexure 

     Step 1.3 No.of Prospective users (Households) for the product/Service : The total number of prospective household users will get auto populated based on the details entered in the business plan annexure  

     Step 1.4 No.of Prospective users (Establishment for the product/Service) : The total number of prospective users to establishment for the product/service will get auto populated based on the details entered in the business plan annexure

      Step 1.5 No.of Sellers selling similar product/Service : The total number of sellers selling the similar product/service will get auto populated based on the details entered in the business plan annexure 

      Step 1.6 Present Demand : The total number of present demand will get auto populated based on the details entered in the business plan annexure

      Step 1.7 Current Supply : The total number of current supply will get auto populated based on the details entered in the business plan annexure   

      Step 1.8 Place of Business : Enter the business place

Step 2 : Once the information is entered, click on the ‘Next’ option. The information will be saved as a draft

11.5 How to Create the Finance Needed in the OSF Loan Application (Loan Size : 5 to 15 Lac):

Fifth Tab : Finance Needed

Step 1 : Finance Needed

     Step 1.1 Cost of the Project : The cost of project for the building will get auto populated based on the details entered in the business plan annexure

     Step 1.2 Machinery/Equipment : The cost of the machinery/equipment will get auto populated based on the details entered in the business plan annexure

     Step 1.3 Any other permissible Capital expenditure : The cost of the any other permissible capital expenditure will get auto populated based on the details entered in the business plan annexure

     Step 1.4 Total Fixed Cost : The total fixed cost will get auto populated based on the details entered in the business plan annexure

     Step 1.5 Raw Material : The value of raw material will get auto populated based on the details entered in the business plan annexure

     Step 1.6 Semi Finished Goods : The value of semi finished goods will get auto populated based on the details entered in the business plan annexure

     Step 1.7 Finished Goods : The value of finished goods will get auto populated based on the details entered in the business plan annexure

     Step 1.8 Receivable/Debtors : The value of receivables will get auto populated based on the details entered in the business plan annexure

     Step 1.9 Total Working Capital for One Operating Cycle : The total working capital for one operating cycle will get auto populated based on the details entered in the business plan annexure

     Step 1.9 No. of days taken to settle the credit purchase : The total number of days taken to settle the credit purchase will get auto populated based on the details entered in the business plan annexure

      Step 1.10 Creditors for purchase of raw material : The total creditors for purchase of raw material will get auto populated based on the details entered in the business plan annexure

      Step 1.11 Actual Working Capital Required : The total actual working capital required will get auto populated based on the details entered in the business plan annexure

      Step 1.12 Project Cost Arrived as per TNRTP : The total project cost arrived as per TNRTP, will get auto populated based on the details entered in the business plan annexure

       Step 1.13 Means of the Project : The total means of the project, will get auto populated based on the details entered in the business plan annexure

       Step 1.14 Whether any Collateral Security is offered? : If any collateral security is offered choose ‘Yes’ or select ‘No’. If ‘Yes’ Please provide the details

             Step 1.14.1 If Yes, type of security : By clicking the dropdown to choose the type of security

             Step 1.14.2 Value of security : Enter the value of the security

             Step 1.14.3 Holiday period in Months : By clicking the dropdown to choose the holiday period in months

             Step 1.14.4 Repayment period (Excluding Holiday period ) : Enter the repayment period

Step 2 : Once the information is entered, click on the ‘Next’ option. The information will be saved as a draft

11.6 How to Create the Declarations in the OSF Loan Application (Loan Size : 5 to 15 Lac):

Sixth Tab : Declarations

Step 1 : Kindly tick the check to accept the declaration

Step 2 : Once the information is entered, click on the ‘Next’ option. The information will be saved as a draft

11.7 How to Upload the Attachments in the OSF Loan Application (Loan Size : 5 to 15 Lac):

Seventh Tab : Attachments

Step 1 : Passport size photos of the entrepreneur : Click ‘Browse’ to upload the Passport size photos of the entrepreneur

Step 2 : In case of existing enterprise, the photo should cover both enterprise and entrepreneur (optional) : In case of existing enterprise, the photo should cover both enterprise and entrepreneur Click ‘Browse’ to upload the document 

Step 3 : Proof of ID-self attested copy : Click ‘Browse’ to upload the Proof of ID-self attested copy

Step 4 : Proof of Residence- self attested copy : Click ‘Browse’ to upload the Proof of Residence- self attested copy

Step 5 : In case of special category like SC, ST, Differently abled, Widow, Separated woman, proof from the local authority -Panchayat President or Village Administrative Officer.(Optional) : In case of special category, upload the proof from local authority panchayat president or VAO Click ‘Browse’ to upload the document 

Step 6 : Proof and address of the Business enterprise- Copies of relevant Certificate of incorporation / registration certificates: Click ‘Browse’ to upload the proof and address of the business enterprise

Step 7 : In case if any capital asset is to be purchased, the relevant quotation to be uploaded(optional) : Click ‘Browse’ to upload any capital asset is to be purchased

Step 8 : Statement of bank accounts for the last 6 months for the enterprise account, if available (Optional) : Click ‘Browse’ to upload the bank last 6 month statement for the enterprise account

Step 9 : Statement of Assets and Liabilities : Click ‘Browse’ to upload the statement of assets and liabilities

Step 10 : Balance Sheet : Click ‘Browse’ to upload the balance sheet

Step 11 : Profit & Loss : Click ‘Browse’ to upload the profit & loss

Step 12 : Net-Worth Report : Click ‘Browse’ to upload the net worth report

Step 13 : Business Plan : Click ‘Browse’ to upload the business plan

Step 14 : For Producer Collectives, Memorandum of Association and Articles of Association(Optional) : Click ‘Browse’ to upload the Producer Collectives, Memorandum of Association and Articles of Association document

Step 15 : In case of partnership unit, Registered Partnership deed. (Optional) : Click ‘Browse’ to upload the partnership document

Step 16 : Projected balance sheet and Income and expenses statement ( New Unit) (Optional) : Click ‘Browse’ to upload the projected balance sheet and Income and expenses statement new unit

Step 17 : For existing unit, the last two years’ balance sheet, Income & expenses statement and GST return copies (If GST is applicable) : Click ‘Browse’ to for existing unit, the last two years balance sheet, Income & expenses statement and GST return copies if GST is applicable

Step 18 : Once the information is entered, click on the ‘Finish’ option.

11.8 How to Review and Submit the OSF Loan Application (Loan Size : 5 to 15 Lac):

Step 1: Once the information is entered in the ‘Attachments’ section, click on the ‘Finish’ option. The information will be saved as a draft

Step 2 : The staff can able to print the report by clicking the ‘Print’ option

Step 3 : The staff can able to download the report by clicking the ‘Download’ option

Step 4 : Review the generated loan application by OSF, if there are any changes that need to be made in any of the fields, please select the field to Edit, and update the changes and Click ‘Submit’

Step 5 : Once the data has been verified by the OSF staff officer,      select -> Submit option -> A upload confirmation popup will appear on the screen

Step 6 : Once the OSF staff submitted, the popup will appear like ‘Application Uploaded Successfully’

12. How to View the in the Loan Application by OSF Report (Loan Size : 5 to 15 Lac):

Step 1 : Log in with their respective OSF username and password and click Login

Step 2 : After logging in to the TNRTP staff portal, select the module name 

Step 3 : After selecting the MGP module, the user will be redirected to the respective home page

Step 4 : When logged in, click on the ‘MGP Application’ link on the left side menu

Step 5 : On the ‘MGP Application’ tab, click the ‘My Applications’ tab to view the list of loan applications

Step 6 : Click on the application to view the applicant’s details

Step 7 : To view the loan application by OSF, click on the ‘View’ button to view the applicant in detail

Step 8 : The staff can able to print the report by clicking the ‘Print’ option

Step 9 : The staff can able to download the report by clicking the ‘Download’ option

13. How to Continue the draft in the Loan Application by OSF (Loan Size : 5 to 15 Lac):

Step 1 : Log in with their respective OSF username and password and click Login

Step 2 : After logging in to the TNRTP staff portal, select the module name 

Step 3 : After selecting the MGP module, the user will be redirected to the respective home page

Step 4 : When logged in, click on the ‘MGP Application’ link on the left side menu

Step 5 : On the ‘MGP Application’ tab, click the ‘My Applications’ tab to view the list of loan applications

Step 6 : As a draft, the incomplete report information will be saved

Step 7 : Click Continue -> You will be redirected to the appropriate tab to complete the business plan

14. How to Generate the Balance Sheet in the Business Plan (Loan Size : 5 to 15 Lac) :

Step 1 : Log in with their respective OSF username and password and click Login

Step 2 : After logging in to the TNRTP staff portal, select the module name 

Step 3 : After selecting the MGP module, the user will be redirected to the respective home page

Step 4 : When logged in, click on the ‘MGP Application’ link on the left side menu

Step 5 : On the ‘MGP Application’ tab, click the ‘My Applications’ tab to view the list of loan applications

Step 6 : By selecting the applicant name, the OSF staff can view the applicant’s ID, application details and application workflow in detail.

Step 7 :OSFs can view the date the application was received, and before balance sheet generation will display a status of “Waiting for Business Plan Preparation”

Step 8 : To create a Net Worth Report, click ‘Create Balance Sheet’

14.1 Method of Generating the Assets in Balance Sheet (Loan Size : 5 to 15 Lac):

Step 1 : Current Assets (Inventories) :

     Step 1.1 Raw Materials : Enter the cost of the raw materials

     Step 1.2 Work in Progress : Enter the work in progress cost

     Step 1.3 Finished Goods : Enter the finished goods cost

     Step 1.4 Consumable Spares : Enter the consumable spares cost 

     Step 1.5 Total Inventories : The total inventory cost will add the amount of raw materials, work in progress, finished goods, and consumable spares.

Step 2 : Trade Debtors

     Step 2.1 Domestic Debtors over 6 Months : Enter the total cost of domestic debts over 6 months

     Step 2.2 Domestic Debtors less than 6 Months : Enter the total cost of domestic debtors less than 6 months

     Step 2.3 Total Debtors : Total debtors will be calculated by adding domestic debtors over 6 months and domestic debtors less than 6 months together.

Step 3 : Other Current Assets

     Step 3.1 Cash and Bank Balance : Enter the cash and bank balance amount

     Step 3.2 Prepaid Expenses : Enter the prepaid expenses cost

     Step 3.3 Loan and Advances : Enter the loan and advances amount

     Step 3.4 Others : Enter the others cost 

     Step 3.5 Total Other Current Assets : The total other current assets will add the amount of cash and bank balance, prepaid expenses, loan and advances and others 

Step 4 : Total Current Assets : The total current asset will be added to the amount of inventories,trade debtors and other current assets.

Step 5 : Fixed Asset (Land & Buildings, Plant & Machinery & sundries)

     Step 5.1 Land & Buildings : Enter the land and building cost amount

     Step 5.2 Plant and Machinery : Enter the plant & machinery cost

     Step 5.3 Sundries : Enter the sundries amount

     Step 5.4 Gross Fixed Cost : The gross fixed cost will be calculated by adding the land & buildings, plant & machinery & sundries amount 

Step 6 : Depreciation to date : Enter the depreciation to date amount

Step 7 : Total Net Fixed Assets : The total net fixed assets amount is the difference between the Land & Buildings, Plant & Machinery, and Sundry items depreciated to date

Step 8 : Non Current Assets (Investments in Loans/ to Subsidiaries / Associates) : Enter the investments in Loan to Subsidiaries and  Associates

Step 9 : Other Non Current Assets

     Step 9.1 Investment in Other Companies : Enter the investment in other companies amount

     Step 9.2 Advance Payment for Capital Goods : Enter the advance payment for capital goods

     Step 9.3 Overdue debtors : Enter the overdue debtors amount

     Step 9.4 Deposit : Enter the deposit cost

     Step 9.5 Staff Advance and Imprest : Enter the staff advance and imprest cost

     Step 9.6 Others : Enter the other cost 

     Step 9.7 Total Other Non Current Assets : The total other current assets will add the amount of advance payment for capital goods, overdue debtors, deposit, staff advance and imprest and other cost

Step 10 : Total Non Current Assets : The total non current assets amount will be calculated by adding the investment in loan/to subsidiaries and associated and total non current assets amount

Step 11 : Deferred Tax Asset : Enter the deferred tax asset cost

Step 12 : Intangible Asset : Enter the intangible asset cost

Step 13 : Total Assets : The total assets amount will be calculated by adding the current assets,fixed assets, non current assets, deferred tax assets and intangible assets.

Step 14 : Once the information is entered, click on the ‘Next’ option. The information will be saved as a draft

14.2 Method of Generating the Liabilities in Balance Sheet (Loan Size : 5 to 15 Lac):

Step 1 : Current Liabilities :

     Step 1.1 Borrowings from Bank : Enter the borrowing amount from the bank

     Step 1.2 From Other Banks : Enter the other bank amount

     Step 1.3 Subtotal : The subtotal is calculated by adding the bank loans and other bank loans

Step 2 : Creditors for Purchases : Enter the creditors for purchases amount

Step 3 : Other Current Liabilities :

     Step 3.1 Creditors for Expenses : Enter the creditors for expenses amount

     Step 3.2 Provision for Tax : Enter the provision tax amount

     Step 3.3 TL due within 1 year : Enter the TL due within 1 year amount

      Step 3.4 Others : Enter the Other amount

      Step 3.5 : Total Other Current Liabilities : The total other current liabilities amount will be calculated by adding the amount of creditors for expenses,provision for tax, TL due within 1 year and others

Step 4 : Total Current Liabilities : The total current liabilities amount will be calculated by adding the amount current liabilities, creditors for purchase and other liabilities amount

Step 5 : Deferred Liabilities :

     Step 5.1 Term Loan from Banks : Enter the term loans from the bank

     Step 5.2 Term Loan from institutions : Enter the term loan from institutions amount

     Step 5.3 Other Long Term Liabilities : 

             Step 5.3.1 Long-term loans from other banks : Enter the long term loan from other bank

             Step 5.3.2 Unsecured Loans : Enter the amount of unsecured Loans

             Step 5.3.3 Others : Enter the others amount 

             Step 5.3.4 : Total Other Long Term Liabilities : The total other long term liabilities amount will be calculated by adding the amount of long term loan from banks,term loan from institutions and other long term liabilities 

 Step 6 Capital & Surplus : 

             Step 6.1 Paid up Capital : Enter the paid up capital amount

             Step 6.2 Reserves and Surplus(Less Loss b/f) : Enter the amount of reserves and surplus amount

             Step 6.3 Sub Total : The sub total amount is calculated by adding the paid up capital and reserves and surplus amount

Step 7 : Deferred Tax Liability : Enter the deferred tax liability amount

Step 8 : Total Liabilities : The total liabilities amount will be calculated by adding the current liabilities, deferred liabilities, capital and surplus and Deferred tax liability

Step 9 : Current Ratio : The current ratio is calculated by dividing the current assets by the current liabilities

Step 10 : Debt Equity Ratio : The debt equity ratio is calculated by adding up current liabilities and deferred liabilities, then dividing that result by capital and surplus.

Step 11 : Comments and Recommendations : Enter the comments in the comments and recommendations tab

Step 12 : Once the information is entered in the ‘Create Balance Sheet’ section, click on the ‘Finish’ option.

Step 13 : Once the OSF staff submitted, the popup will appear like ‘Application Uploaded Successfully’

15. How to View the Balance Sheet in the Business Plan (Loan Size : 5 to 15 Lac):

Step 1 : Log in with their respective OSF username and password and click Login

Step 2 : After logging in to the TNRTP staff portal, select the module name 

Step 3 : After selecting the MGP module, the user will be redirected to the respective home page

Step 4 : When logged in, click on the ‘MGP Application’ link on the left side menu

Step 5 : On the ‘MGP Application’ tab, click the ‘My Applications’ tab to view the list of loan applications

Step 6 : Click on the application to view the applicant’s details

Step 6 : Click on View to the balance sheet in detail

16. How to Continue the Draft in the Balance Sheet in the Business Plan (Loan Size : 5 to15 Lac):

Step 1 : Log in with their respective OSF username and password and click Login

Step 2 : After logging in to the TNRTP staff portal, select the module name 

Step 3 : After selecting the MGP module, the user will be redirected to the respective home page

Step 4 : When logged in, click on the ‘MGP Application’ link on the left side menu

Step 5 : On the ‘MGP Application’ tab, click the ‘My Applications’ tab to view the list of loan applications

Step 6 : As a draft, the incomplete report information will be saved

Step 7 : Click Continue -> You will be redirected to the appropriate tab to complete the business plan

17. How to Forward the Business Plan (Loan Size : 5 to 15 Lac):

Step 1 : Log in with their respective OSF username and password and click Login

Step 2 : After logging in to the TNRTP staff portal, select the module name 

Step 3 : After selecting the MGP module, the user will be redirected to the respective home page

Step 4 : When logged in, click on the ‘MGP Application’ link on the left side menu

Step 5 : On the ‘MGP Application’ tab, click the ‘My Applications’ tab to view the list of loan applications

Step 6 : Click on the application to view the applicant’s details

Step 7 : Once the Business Plan, Net Worth Report, Risk Assessment and Loan Application by OSF annexure has been completed by OSF, click ‘Forward’.

Step 8 : Once the OSF staff forwarded, the popup will appear like ‘Application Forwarded Successfully’ and the status will be changed from ‘Evalvated’ to ‘BP Generated’

18.How to View the Business Plan Generated Report (Loan Size : 5 to 15 Lac):

Step 1 : Log in with their respective OSF username and password and click Login

Step 2 : After logging in to the TNRTP staff portal, select the module name 

Step 3 : After selecting the MGP module, the user will be redirected to the respective home page

Step 4 : When logged in, click on the ‘MGP Application’ link on the left side menu

Step 5 : On the ‘MGP Application’ tab, click the ‘My Applications’ tab to view the list of loan applications

Step 6 : Click ‘Inprogress’ tab to view the BP generated application

Step 7 : Click on the application to view the applicant’s details

Step 8 : The status of the application will be changed from ‘Evalvated’ to ‘BP Generated’

Step 9 : The staff can view the supporting documents after the Business Plan has been generated by clicking the ‘View’ button

Step 10 : The staff can download the supporting documents after the Business Plan has been generated by clicking the ‘Download’ button

19.How to Reject the Business Plan Generated (Loan Size : 5 to 15 Lac):

Step 1 : Log in with their respective OSF username and password and click Login

Step 2 : After logging in to the TNRTP staff portal, select the module name 

Step 3 : After selecting the MGP module, the user will be redirected to the respective home page

Step 4 : When logged in, click on the ‘MGP Application’ link on the left side menu

Step 5 : On the ‘MGP Application’ tab, click the ‘My Applications’ tab to view the list of loan applications

Step 6 : Click on the application to view the applicant’s details

Step 7 : To reject the application, click ‘Reject’

Step 8 : Negative Enterprises : Select the negative enterprises from the dropdown menu

Step 9 : Activities List : Select the activities list from the dropdown menu

Step 10 : Remarks : Indicate the reason for rejection in the remarks section

Step 11 : Click ‘Reject’ -> A Reject confirmation popup will appear on the screen click ‘Confirm’ to reject the application or choose ‘Cancel’

Step 12 : Once the OSF staff rejected, the popup will appear like ‘Application Rejected Successfully’

20.How to View the Rejected Application the Business Plan Generated (Loan Size : 5 to 15 Lac):

Step 1 : Log in with their respective OSF username and password and click Login

Step 2 : After logging in to the TNRTP staff portal, select the module name 

Step 3 : After selecting the MGP module, the user will be redirected to the respective home page

Step 4 : When logged in, click on the ‘MGP Application’ link on the left side menu

Step 5 : On the ‘MGP Application’ tab, click the ‘My Applications’ tab to view the list of loan applications

Step 6 : Click on ‘Rejected’ tab to view the list of rejected application

Step 7 : Select the rejected applicant to view more in detail