Appraisal CAM-2026-0421 · Submission and routing
Submission and routing
Everything the credit committee will see, checked against the true state of this appraisal before it leaves your desk. Routed to Sofia Almeida, Credit Manager, West Region, then to the West Region Credit Committee.
Submission is closed. 3 items on the checklist are not satisfied: All serious cross-verification findings adjudicated; Rating set and confirmed by the analyst; Recommendation confirmed.
Pre-submission checklist
Read from the live state of this appraisal, not from a template.
All serious cross-verification findings adjudicated
XV-0418-01, declared turnover of INR 142.31 cr against GST of INR 119.83 cr and bank credits of INR 121.44 cr, is still open. Submission is blocked until it is dealt with.
Moderate and mild findings dealt withadvisory
2 finding(s) still open. These do not block, but they will be listed as open to the committee.
All sources accounted for
GST direct from GSTN, bureau from TransUnion CIBIL, registry from MCA and CERSAI, bank data under consent CONS-2026-0418-A, financials by fallback upload. Adverse media returned partial on the first attempt and completed on retry.
Rating set and confirmed by the analyst
CCB-4 is still the model's first cut. The rating must be confirmed by a human before the memo leaves this desk.
Recommendation confirmed
The recommendation is still as drafted and has not been confirmed.
Memo reviewed section by sectionadvisory
0 of 8 sections carry your wording; 8 remain as drafted. Every quantitative claim is cited.
Overrides carry a reasonadvisory
No figure has been overridden. The memo carries the extracted and confirmed values.
Final confirmation
On submitting, you confirm that the memo reflects your assessment, that every override carries your reason, and that no unresolved serious finding is being passed on silently. Your name, role and the timestamp are attached to the submission.