eet gore ws far Ie PUNJAB & SIND BANK uve ws faa aa SERRA, (ary rere / A Govt tind ini Form No:30(Revised) 1 | | o£ ant Signature Co-Applicant Signature Guarantor | | Name of Applicant (in Block Latte Name of Co-Applicant (in Stock Latter) | Name of Guarantor (In Block Latter, | i | | jp.oe, T ] jos: CT I ] )o.08, ILLICT TT) | Gender. 2 Gender. ir snnn | Gender: . ba |Adoress Adress: ‘Address | j ‘Aadhar Aadhar | ‘ Mobile Mobile emai iD Email 1 Email 1D) =i [PAN | PAN PAN | | {Retaorship withthe bank ames 3 | Status: [Slate whether (1) Individual, (2) Sole Proprietor, (3) Partnership (Regd. Or unregistered) mentioning names of all partners. (4) Joint Hindu family, mentioning name of the Karta. (5) | Joint Hindu family Trading firm, mentioning name of the manager | and/or Karta. (6) Limited Co. (Public or Private), (7) LLP and enclose Memorandum and Articles of Association, Certificate of | incorporation of, and commencement of business, copy of | Balance Sheet and list of Director, also stating amount of paid-up Capital free reverses and borrowing on this date | | 4 | Nature of business (Give detailed information) or occupation. (In. case of business, state whether ancestral! partnership. When started, In case of service, the designation and the Department served io be stated clearly} | Income for last three years Monthly income F(a) | Amount (b) | Sources (c) | Income Tax, if any, paid for the last assessment, [7 | Loan Amount required a ageRs. 8 Purpose of requirement | 9 Period for which required 40 | Repayment, how proposed and from which source (Repayment with Post diem interest at the stipulated rate | til actual payment of debit balance in bank office) 11 | Previous dealings with other Branches give detail under whose name quantum of assistance: etc.) 12 Whether the applicant undertakes to deal exclusively with the Bank 13. Name of previous bankers and their reference 15 | Statement of liabilities in detail 1 46 | Nature, extent and particular of the security offered (wit all additions and improvements of any kind that may be | 14 | Result of loan application to other banks | | | made at any time) | 47 | UNDERTAKING-That my/our banking business will be confined to your bank and Wwe deposit my/our earning in my/our earning in my/our account with you i/we will not borrow from any other bank or any other source during the currency of the loan, without your prior consent.in writing The particulars given in the application are correct, and in this matter nothing has been concealed. Conditions for granting of loans mentioned below or to be introduced later are agreed to be binding Its key persons is/are not declared Insolvent in the past. \We agree to receive SMS alerts/e-mail related to my/our application status and account activity | as well as product use messages/e-mail that the Bank will send, from time to time, on My/our mobile phone number and e-mail ID as mentioned in this application form. \/We undertake to intimate the Bank in the event of any change in my/our telephone/mobile Phone number and Residential and/or Employment address. \/We agree and understand that Bank reserves the right to reject any application without providing anyreason. \/we agree and undertake that Bank reserve the right to retain the application from and documents provided therewith including photographs and will notreturn the same to me and us." | a) /We give consent for accessing my/our credit report. |b) lave give consent for submitting information to CICs regarding default /Days past due DPD) | in existing credit facilities. Applicant Signature Station L Date’ | Co-Applicant Signature | Guarantor Signature:CONDITIONS 1, | The loans granted by the bank are payable on demand. | When immovable property is offered as security, the applicant should submit with application the 2 | title deeds of the property and plans drawn to scale, showing complete boundaries municipal |__| Khasra Nos, etc. | || In each case the expenses of enquiries as to the value, drawing up plan and examination of title | 3. | deeds, inspection of Registrar's books or revenue papers etc. will be recovered from the | applicant in lump sum without any liability to account for it, whether the advance is sanctioned | | or not. The repayment of the advance with post diem interest at the stipulated rate lil actual payment of | debit balance in Bank's office, whether lump sum or in installments, shall be made at the offices 4 | from which the advances is taken. In case of payment at other Branches or agencies of the Bank, the amount will be credited to the party's account on receipt of advice from the office at which | the payment is made, after deducting commission. In case of shares in any Joint-stock Company offered as security, the amount paid up on each share should be stated. | a) The bank has a right to adjust the whole or part of the amount due to the Bank from the 6 | depositor other funds to be paid to or at the disposal of the constituent from whatsoever account or source. b) The Bank's lien on all deposits pledged or hypothecated goods, ornaments and Bank's | murtgage deed or by deposits of title deeds shall extend to any other sum from which the | customer may be separately or jointly indebted or liable to the Bank at any of its offices. All expenses incurred by the Bank in connection with any loan account, such as travailing expenses (according to Bank rules), litigation expenses of any sort, inspection or enquiry, expenses and any other out of pocket expenses of any kind whatsoever shall be debited to the customer's foan account as amount advanced. The Head Office of the Bank being at New Delhi, the said Bank will be at liberty ‘to sue the 9 | borrower at New Delhi or their office where the account is maintained or transferred by the _Bank at my request or in its absolute discretion |The security property given to the Bank to secure a loan will be insured at my/our cost during the continuance of loan transaction and till its adjustment for the full value of security through the Bank | to its satisfaction. All insurance cost and other expenses connected with the insurance will be paid _ by the borrower or debited to his loan accounts amount advanced. | In. case the applicant creates two or more mortgages in favour of the Bank, the bank shail be at | liberty to take action at a time on any of the mortgages, singly or on two or more of them | together, without in any way impairing its rights in respect of the morlgage or mortgages not proceeds against (Signature of Applicant)Govt. of india undertakin fe Punjab & Sind Bank shane | am furnishing my details for standing as guarantor in the loan Case of... 4. Name (Two photographs) 2. Father's Name Space for 3. ResidentialAddress guarantor's {Enclose address proof) Photo to be Owned/Rented/parental cross signed 4, Office Address: (Enclose address proof) 5. Telephone no. Resi (Enclose copy of atest bill) Off, __ Mob = Email 6. PANnolAdhar No, eins Ea (Enclose copy) 7. Annual income (Enclose last 3 years’ ITRs with form 16 or computation of income). 8. Existing Bank Name and alc no. 9. Credit Report / Net worth : (As per Performa enclosed) Immoveable property: Address Value Moveable property: Vehicle, Cash in hand/ Bank, Jewelery Value Less alia Networth 10. Details of Contingent Liabilities (Guarantees given and outstanding as on date, if any) Nature of Guarantee Amount. 41. Relation with Applicant 42. Tworeferences: Name slo, Address Ph. /Mob. No. Name slo, Address PhiMob. No, Guarantor’s Signature(AGo sheaf, STATEMENT OF ASSETS & LIABILI The Branch Manager Punjab & Sind Bank, Dear Sir, Punjab & Sind Bank vi. oF India undertaking) AS Form No:187 20 Date: __J__/20__ Space for applicant guarantor’s Photo to be cross signed | hereby append below the details of my Assets & Liabilities as required by you in connection with credit facilites boing sanctioned by your Bank to me/us/Mr. aT | Name sist Sio, Wio | Bowower Guarantor zl | Pan [Aachar (Tasso [Pow §2. | betas of main occupation + including all connected and associated occupations 3. DOK a. adress Business Residence - "5, | DETAIL OF ASSETS (BUSINESS & PERSONAL) Ce, ‘A Fixed Assets- Property/Machinery ete - Address of [Area Value SelfOce/ J ifencumbered | Freehold” | Document || Property/Machinery | measurement Rented (Bank/FI name} Leaschold ‘Submitted location (louse {total & share & amount of | “Nostocality’ lof undersigned) loan) || haa No, ith PIX) i 8 | Liquid Assets & movable property ike stock in trade, vehicles ete 1 Raat enc Value T | | (Bank/FI name & | | | amount of loan) © | Deposit Accounts Nature of account | ‘Bank's ‘Account No. | |__same/Branch ee eranch ff \. aes a Page 56 | cert thatthe obove information is tue. Vols conf that no suit hasbeen fed ard ther ae no stattory overdue a 7 8 | Cash in Hand | Shares/Mutual funds/other inv | Govt. Securities | Lic etc. rary ‘other Assets, PE/PPFINP/KVP/NSC/VP Contebution/Deposit, thers (please specify) “TOTAL ASSET Liabilities Policy No. ‘Sum Assured Surrender | Value Froth Banks and from Market including deposits received (pledged/Hyp/mortgaged) Name of |Date of | Loan Bank/Fi, Sanction | Amount | Banc | a = = Nature | Income Tax Dues/Govt Dues outstanding frarat ABILITIES | Net Worth =Assets Liabilities (5-6) Income for last three years (attach payment assessment orders). Bal o/s Finance [Purpose of | Status (stondara/ Irregular/NPA) pending against me/any other firm/company in which | am partner/director/guarantor. | VERIFIED BY LOAN OFFICER INCHARGE Powe | Security (Pledge/ | Hypo/Mortgaged) Premium Paid SIGNATURE BRANCH MANAGER |CHECK LIST OF DOCUMENTS TO BE SUBMITTED BY THE CUSTOMER 1 | Application 2 Proprietor/ Partners/Directors Guarantors 4 | Balance Sheet | 5. | Associate units “Enhancement ( in case of enhancement usual papers as required in case of fresh | advance } 7 | Take Over Assets & Liability Statement Application KYC Details Brief Profile Photos of proprietor/partners/Directors/Guarantors Passport/EC ID Crad/ Driving Licence Telephone Bill/ Ration Card PAN Card / DIN of Director/Aadhar card No. IT Retum for 3 years Partnership Deed & Partnership Letter/Trade Licence Memorandum & Article of Association Certificate of Incorporation/ Commencement Board Resolution Search Report from Registrar of Companies Ughyam Registration - Panchayat Licence PAN Card IT Return for 3 years GST Return Project Report Power Allocation Plan/Estimate/ Proforma Invoices Pollution Control Clearance | Actual- Past 3 Years Audited | Estimated- Current Year Projected- Next Year Projected- [for Term Loan] — CMA Data Brief profile Balance Sheet Opinion Report from Bankers Last inspection Report Term Loan Review Copy of Last Sanction Note Confirmation of irregularity, if any Copy of Sanction Letter of previous banker Statement of account for the previous 1 year Credit Information Report/CIBIL for individualNo NPA/Litigation Declaration Property Original Title Deed Prior Deeds [Chain of Title Deeds) Latest Land Tax Receipt/Property Tax receipt Possession Certificate/Possession letter/Allotment letter Valuation Report Location Sketch } Legal opinion, Index Inspection, Non Encumbrance Certificate * These are only indicative and not exhaustive.ACKNOWLEDGEMENT Received the loan application from Shri/ Smt... Residence of... forthe purpose of... A\ll the required information / documents have been furnished 09 .....:-1sn.n-/ yet tobe furnished by the applicant, Date: Officer/ Manager Customercopy: Received the loan application from Shri/Smt. Residence of. ss for the purpose of, All the required information / documents are furnished on. Jyet tobe furnished by the applicant, Date ire Officer/Manager Please Note that: 1. This is only an acknowledgement for having received the application and this should not be construed as an indication of our acceptance of the proposal , a decision on which will be taken only after due consideration of the proposal on its merit and / or on fulfilment of conditions if any, that may be stipulated by the Bank. 2. The application will be taken up for consideration only after al the particulars / data/ documents as may be required are received by the Bank, 3. The application will be disposed of within .. /papers/documents /clarifications sought by the Bank. 4, In case the proposal is rejected/not considered the reasons for the same will be intimated to the applicant. days from the date of receipt of all the details, Witeteytd ee yore wes fie da PUNJAB & SIND BANK dae As fio aa LGR, (rrr wearer re / A Govt. of India Undertaking) asf aor tq adae TT APPLICATION FOR HOUSING LOAN Wt. wa. at. oafter aor store & age UNDER PSB HOUSING LOAN SCHEME BTaea ST AT APPLICANT'S NAME Bye! ay / vet ‘S/of Dio/ Wio Cary TELE. No./MOB No. aT TART LOAN AMOUNT wate Ae TENURE Months ware sive weal ar srfererar Sajaye Apke Sapno Ka Ashiana ora vos fae da & ers fear aT Punjab & Sind Bank Housing Loans met dar ft shar ear 8] Where service is a way of lifeRe etter Branch, LOAN APPLICATION FORM PSB HOUSE’ PSB Housing Loan warentge dora ws PUNJAB & SIND BANK thra Ws fic Bar ication Form = Page 1 of 1 HL 501 2 LOAN Dear Sir, We request you that a loan (Rupees... APPLICANT Recent Passport, size photograph signed across. of Rs, CO-APPLICAN Recent Passport size photograph signed a T GUARANTOR [ Recent Passport | size photograph Oss. signed across. nly) may be granted to me for Purchase of House/Plot ‘or’ Construction of House ‘or’ Repair/ Renovation/ Extension of House Necessary particulars for consideration of this application are given below: Persi 7 naan APPLICANT the total project cost t the security of mortgage of property and such other secu of Employment Details Rs.. . only) for a pe ities as may be required by the ~CO-APPLICANT Relationship with the Apotieant Name Mel 1 Met 1) Msf 1 Mt 1 Ms. 1 Msf 1 First Name: First Name: Middle Name: Middle Name: Surname: 7 Surname: I. (ad/mun/yy) Age: Jo “(ddimm/yy) Age: Date of Birth S/o/ Dio! W/o. Marital Status | Current Residential Address | (enclose proof) ‘Telelphone No. Mobile No. email Pin:PSB Housing Loan Application Form -- Page 2of 13 | PAN/TAN No. (Enclose copy) ‘Aadhaar No. (Enclose copy) Category SCT] STL) Otherst 1 SCh) STi 1 Otherst 7 | No. of Dependents | Children____Others___ | Chiléren____ Others, ‘Present. ~— | Own[ 7 Rented [ } Family | | Own | Rented | | Family [ | accommodation Employer { | | Employer] ented, monthly Rs, Rs Z Graduate [] Post Graduate [ ] Other | Graduate[] Post Graduate [ ] Other ‘Occupation Business {| Service | J} Business [ | Service| | Self-Employed ( ]___Others [1 Self-Employed |] Others [1 ‘ame of Employer! = == usiness Office i Address (Present) \ Pin Mice Phone No. EXt Fax = Ext Designation Department Name: Name ' | emp. No. Emp. No. fo. of years in Yrs Months | __Yrs__ Months resent service ‘Years to Retirement Yis ‘Years to Retirement__Yrs rrevious = =e Employment/ = wsiness Details (if Jess than two years in| Pin Tel. Pin Tel ‘urrent Employment Business) ‘Total Work. Experience |i FINANCIAL DETAILS 7 [ | APPLICANT CO-APPLICANT ‘Annual Income ] scone it 3 years FIR With | Year 1: | vear1 ‘ompstation a ncune ‘lb enone lat 2 mes satay sips) Year 2: Year 2 Year 3: Year 3 ‘SALARY DETAILS Gross Monthly Salary: | Rs. - ity Statuiory deductions: | Rs. = Bs. (PlVncome Tax ete.) Net Salary after Rs, Rs a deduction: l ——PSB Housing Loan Application Form ~ Page 3 of 13 [ Details of loans Loan Ant Instalment Amt. Loan Amt, ‘nstalment Amt. outstanding Loan and Rs, Rs. am, oF caisting brs. Rs, instalments. if uny im . otal, eee a ae HTncome ayailable for =Net Salary — Existing Loan installments (et Salary — Pxisting Loan installments repayment Rs, - Rs. Net worth as per Rs, Rs. credit report enclosed [ BANK ACCOUNT DETAILS E 4 [Name of Account Holder Name of Bank Branch Name Nature of A/C Account No. a _ 5 . { _ Details of Property (fo be purchased/constructed/ renovated/ extended) 7 Address of Property ‘Ownership type: Sole Joint ‘Nearest Landmark Stage ofconstruction: ——C lewd funder construction, Expected date of completion / possession, i) Plow Unit area (Fnelose related documents) i) Registration /Stamp duty Present Owners Name (tome of Gove. anthorty tse bilder nts te.) Property Tax paid upto Proposed Owners Name: Name 1 Unitrate @ Re. pers... | Name 2: ii) Total Purchase price and / or construction cost- Rs. 7 Mo ures hoe aera b) Instages Rs. Construction period months Moratorium period. _months Details of the Guarantor a. Name b. S/o! Dial W/o . Residential Address (Bnelose address proo!) Owned / Rented/ parental |. Office/ Business Address (Enclose address proof) | c. Telephone no/ Mobile No. | Enclose copy of latest bill)PSB Housing Loan Application Form ~ Page 4 of 13 FT. PAN No. (Enclose self attested copy) 2. Aadhaar No. rs (Enclose self attested copy) hh, Annual Income: (Enclose last 3 years ITR along with computation of income) Year 1: Rs... : . | Year 2: Rs, . - | Year 3: Rs. 7 | i, Details of the Loans/ Deposit Accounts as on date: Name of the Bank Type of Loan’ Deposit | Loan Balance Outstanding/ Deposit Account! Nature of | Balance / Existing Guarantees | Guarantee References of the Applicant: (Name and Address of two referees who are not related to you) | Reference £ Reference 2 — Name: ‘Name: Address: Address:, ae Fi Pin Occupation: Occupation: Tel No. Tel No Mobile No. : Mobile No. Declaration: V/ we hereby declare / confirm that all the particulars and information given in this application form are true, correct and complete and that they shall form the basis of any loan the Bank may decide to grant me/us, ii, that there are no insolvency proceedings against me/us nor have I/we ever been adjudicated insolvent. iii, that /we have read the application brochure and understood the contents. iv. that Tam not a defaulter of any Bank / Financial Institution and none of my account is settled by rebate in the past. vy. that Wwe understand that the processing fee is not refundable. vi, that we agree that the Bank may take up such references and make such enquiries in respect of this application, as it may deem necessary. a) W We give consent for accessing my/our credit report b) Wwe give consent for submitting informatign.tos stdue DPD) in ing credit facilities.vii Note : Any other required information may be obtained by the branch on s Housing Loan Applicat Tiwe undertake (o inform PSB regarding any change in my occupation/ employment or any significant change which may affect repayment of my loan. that Lam not related to any officer/ director of the Bank. Iiwe further agree that my loan shall be governed by the rule of the Bank which may be in force from time to time thal my activities are covered under the priority sector category and I confirm having knowledge that the bank bas covered my loan under the priority sector category. ‘OR’ that We am/are not agriculturist(s) and the loans and advances that I/ We have taken, or may hereafter take from the Bank have not been applied, and will not be applied by me/us for any purpose or abject connected with or incidental to agriculturists and 1 / we hereby expressly waive and give up all rights, advantages and benefits conferred on the agriculturists by any enactment of the central or provincial Government for the relief of agriculturist. (Please strike out the not applicable clause in point above). that [shall not violate the sanctioned plan, construction shall be strictly as per the sanctioned plan and it shall be the sole responsibility of the executants to obtain completion certificate within 3 months of completion of construction, failing which the bank shall have the power and the authority to recall the entire loan with interest, costs and other usual bank charges. sparate sheet and may be enclosed with the application form, OTHER CONDITION: 6. (a) The bank has a right to adjust the whole or part of the amount due to the Bank from the deposits or other funds to be paid to or at the disposal of the constituent from whatsoever account or source (b) The Bank's licn on all deposits, pledged or hypothecated goods, ornaments and Bank's mortgaged rights regarding immoveable property mortgaged with the Bank by a registered morigaged deed or by deposit of title deed shall extend to any other sum from which the customer may be separately or jointly indebted or liable to the Bank at any of its offices. All expenses incurred by the Bank in connection with any loan account, such as travelling expenses (according to Bank rules), Legal expenses of any sort, inspection or enquity expenses and any other out-of-pocket expenses of any kind whatsoever shall be debited to the customer's loan account as amount advanced. The Head Office of the Bank being at New Delhi, the said Bank will be at liberty to sue the borrower at New Delhi or their office where the account is maintained or transferred by the Bank at my request or in its absolute discretion When immovable property is offered as security, the applicant should submit with application the title deeds of the property and plans drawn to scale, showing complete boundaries, municipal Khasta Nos. ete. for search. In each case the expenses of enquiry as to the value drawing up plan and examination of title deeds, inspection of Registrar's books or revenue papers etc will be recovered from the applicant in lump sum without any liability to account for it, whether the advance is sanctioned or not. The security/ property given to the Bank to secure a loan will be insured at my/our cost during the continuance of loan transaction and til its adjustment for the full value of security through the Bank to its satisfaction .All insurance cost and other expenses connected with the insurance will be paid by the borrower or debited to, sount as amount advanced.PSB Housing Loan Application Form 7. Property tax should be paid by the borrower from time to time and copies of proof be furnished to the bank regularly. 8, The property must be located in an area / colony approved by the competent authority. 9. It will be a condition for the grant of loan that construction is carried out on the basis of sanctioned plan by the competent authority and in case of leasehold rights, necessary permission is duly obtained from the lessor to create equitable or registered mortgage over the property. 10. No transfer of rights or interest in the property shall be voluntarily made prior to the discharge of entire amount of loan. 11, Agreement for sale / detailed cost estimate from Architect / Engineer for the proposed dwelling unit to be purchased / extended / renovated / constructed ete to be obtained. 12. In case there is any escalation in cost of project it would either be met by the borrower from his/her ‘own sources or could be met by reassessing the loan within the laid down parameters for a higher amount. 13, Affidavit cum undertaking should be submitted by the borrower seeking housing loan as per opinion of the advocate in terms of requirement as per the respective states law. 14, In case of loan against security of land the branches may also seek reports from the local revenue authorities regarding the title deeds before sanction of loans of Rs 1 crore and above. Applicant’s § ignature _Co-applicant’s Signature Guarantor’s Signature Place:PSB Housing Loan Application Form -- Page 7 of L RECEIPT/ ACKNOWLEDGEMENT OF LOAN APPLICATION: Receipted on dt. cut here.. Serial No. Branch, Date: Received From Sh/ Smt application for Housing Loan for .. along with documents as per check list, Processing fee of RS...... ve shall be charged on the sanctioned amount. Disposal of the loan application shall be done within days however, subject to submission by you of complete/ additional information desired by the Bank requied for appraisal of your loan application as under: wpe Signature of the Loan Officer Signature of the Branch Manager Name : Name: Date DateLSB Housing Loan Application Form -- Page 8 of 13 wWitctoayt tess wre ws fer aq PUNJAB & SIND BANK ura ws fio aa DOCUMENTS REQUIRED FOR PSB HOUSING LOAN COMMON DOCUMENTS/ PAPERS FOR ALL THE BORROWERS (Applicant /Co- Applicat & Guarantars Loan Application 2. Photographs each (Applicant & Co-applicant) 3. Photo ID Proof , Age Proof & proof of residence 4. Bank account statement indicating transactions for the last 6 months or photocopy of pass book, along with details of account i.e. No. and Nature of account; date of opening of the account. 5. Latest copy of telephone Bill (Landline or Post paid connection at Residence and Business 6. Copy of Aadhaar 7. Copy of PAN no., Copy of IT Assessment order/ IT Return along with computation for last 3 years 8. Any other document regarding repaying capacity. 9, Last 2 months salary certificates (for Salaried class) along with the particulars such as: - Perks and all the deductions; Date of joining; date of superannuation; Permanency of employment/Copy of PPO in case of pensioners. 10, Asset Liabilities statement on the prescribed format for Individual Applicants. Last three years Financial Statement for Applicants other than Individual Applicant LL. Cheque for Processing fee and one cancelled cheque of the account from which EMI (PDC/ ECS) is to be given (for signature verification). The PDC/ ECS to be taken from the account where Salary! business income is credited. 12. Property detail a) Sitle deed / Lease deed / conveyance deed with complete chain of documents b) Legal Opinion / index inspection report on property. c) Valuation Report of property d) Sanctioned Plan/ copy of approved drawings of proposed construction trom competent authority e) Tax paid receipts, Agreement to sell, Proof of Bayana payment f) In case of purchase from Individual his LD proof and / or Bank account details Other papers / Documents: For Purchase of house from Co-op society: FROM SOCIETY * Copy of allotment letter in favour of society. Copy of Lease deed / Sale deed, il any in favour of society, Copy of registration certificate of society. © Copy of Bye laws of society * Possession letter issued to society. + Approved site plan of proposed construction © List of members, + Permission of mortgage/ NOC / to be obtained by society from HUDA/ PUDA/ DDA etc * Schedule of construction and payment demand, + Status of payments made by society to development boards towards cost of land allotted. * NOC from society regarding mortgage‘orm ~ Page 90 FROM MEMBERS: Original share certificate issued by the society to member. Original receipt of payment issued by the society to individual member. ‘ipartite agreement to be executed by society, member and Bank. Allotment letter. In case of purchase from builders: * Allotment letter from Builder Original stamped agreement with the builder Original receipt of payment to the builder Copy of permission letter issued in favor of builder by competent authority The builder / developer /company would provide No Objection Certificate (NOC)/ permission of the mortgagee bank for sale of flats/ property, if required © Tripartite agreement. Charges & Fees; The prevailing charges may be obtained from Branch Incharge or Bank's website. Borrower Contribution/Margin i) For Purchase of Plot only, offered / allotted by Govt. authorities and/ or Builders who are Bank’s borrowers: a) 25% of the Cost of plot up to a finance amount of Rs.100 lac upfront b) 40% of the Cost of plot for the finance amount over and above Rs.100 lac upfront ii) For Construction or for Purchase of Plot & Construction: a) For purchase of plot: 40% of the cost of land / plot (upfront) b) For construction: * 10% of the value of construction, proportionate for loans up to Rs. 20 lacs ‘© 20% of the value of construction, proportionate for loans above Rs. 20 lacs & up to Rs.75 lacs * 25% of the value of construction, proportionate for loans above Rs. 75 lacs Note: Bank finance should not exceed 60% of Total cost of project. iii) For Purchase of Built up dwelling unit: * 10% of the total value of property for loans up to Rs. 20 lacs up-front * 20% of the total value of property for loans above Rs. 20 lacs & up to Rs. 75 lacs up-front + 25% of the total value of property for loans above Rs. 75 lacs up-front ) For Extension / Renovation /Repair: ‘© 10% of the total estimated cost, proportionate for loans up to Rs. 20 lacs v) For Purchase of Flat from Society/ Builder: © 10% of the total value of property, proportionate for loans up to Rs. 20 lacs © 20% of the total value of property, proportionate for loans above Rs, 20 lacs & up to Rs. 75 lacs + 25% of the total value of property, proportionate for loans above Rs. 75 lacsPSB Housing Loan Application Korm ~ Paye 10 oj ne Et we ws PUNJAB & SIND BANK HLL 502 aera ots fia Ba Borrower) ARG, wer ere none ne ne Branch Date ‘The Branch Manager, Punjab & Sind Bank Dear Sir, Reg: MY ASSETS AND LIABILITIES hereby append below the details of my assets and liabilities as required by you in connection with credit facilities being sanctioned/enewedireviewed by your Bank to me/us. 1, Name of the applicant; 2. Siol Dio! Wio 3. a, Details of the main occupation: including all connected and associated occupations 3 4 3. b. Constitution 4, DOB/ Year in which established: 5. Address: Business: Tel. No. / Mob Residence Tel. No. / Mob 6. In case of Firm/Co./HUF Full name of the Proprietor, partner, : Karta and Co-partners, Directors, etc. and their relationship with each other if any (Brief report on the business ‘means / assets of partners, directors tobe given on the reverse) 7. Investment in business: Rs.Ls lication page Lo 8, Other Assets: Fixed Assets- Property ‘Name of the Owner ‘Adress of the Property Value Details of Vehicle(s) Name of the Owner Description of the Vehicle and Registration | Value No. Deposit Account (s) ‘Nature of account(s) Bank's Name ‘Account No. Others ‘Cash in Hand/ Shares! Holdings! | Deseription Value 9. Liabilities: Vehicle Loan(s) Date of Sanction Loan Amount Outstanding Balance Housing Loan(s) ee Date of [Loan Amount [ Outstanding Balan Other Loans/Liabi _ rn [Date of Sanction Loan Amount Outstanding Balance Tcertity that the above information is true and correct, T also confirm that no suit has been filed by any bank / director, VERIFIED BY LOAN OFFICER incial institution against me or any of the firms or companies in which I am proprietor / partner / guarantor / Signature of the Borrower BRANCH MANAGERPSB Housing Loan Application Form — Page 12 of 13 dora wre fee Ber HL 503 PUNJAB & SIND BANK thre is fa Ber “ARH, emer wr / ae tn nt (Guarantor) Branch__ Date ‘The Branch Manager, Punjab & Sind Bank Dear Si Reg, : MY ASSETS AND LIABILITIES Thereby append below the details of my assets and liabilities as required by you in connection with credit facilities, being sanctioned/renewed/reviewed by your Bank to Mr./Mrs, (Applicant) Name of the Guarantor: 2. Slol Diol Wio: 3. a, Details of the main occupation: including all connected and associated occupations 3. b, Constitution: 4, DOB/ Year in which established: 5, Address: Business: Tel. No. / Mob Residence Tel. No. / Mob 6. In case of Firm/Co/HUF Full name of the Proprietor, partner, : Karta and Co-partnets, Directors, etc. and their relationship with each other if any (Brief report on the busin means / assets of partners, directors \o be given on the reverse) 7. Investment in business:8. Other Assets: ixed Assets- Property PSB Housing Loa Form =» Page 13 of 13 [Name of the Owner Address of the Property ‘Value Details of Vehicles) [Name of the Owner ‘Description of the Vehicle and Registration | Value No. Deposit Account (s) Nature of account(s) Bank's Name ‘Account No. t 7 = i Others Cash in Hand/ Shares! Holdings/ | Description Value Ca 9. Liabi Vehicle Loans) Date of Sanction Loan Amount Outstanding Balance Housing Loan(s) Date of Sanction Loan Amount ‘Outstanding Balance Other Loans/Lial Date of Sanetion Loan Amount ‘Outstanding Balance 10, Worth = Assets - iabili Icortify that the above information is true and correct. I also confirm that no suit has been filed by any bank / director. VERIFIED BY LOAN OFFICER ancial institution against me or any of the firms or companies in which Tam proprietor / partner / guarantor / Signature of the Guarantor BRANCH MANAGERTere wos Rer dea wer aol Wet ATH Ay FULLFILL YOUR DREAMS WITH PUNJAB & SIND BANK PSB APNA GHAR PSB APNA GHAR SEHAJ PSB APNA GHAR GAURAV PSB APNA VAAHAN PSB APNA VAAHAN SUGAM PSB E-VAAHAN PSB EDUCATION LOAN PSB GOLD LOAN PSB MORTGAGE PSB GST EASE SCHEME PSB PERSONAL LOAN PSB COMMERCIAL VEHICLE PSB VYAPAAR PSB CONTRACTOR PLUS PSB KUTUMB SCHEMEPUNJAB & SIND BANK PSB Scheme on Lending Against Gold Jewellery/Gold Coins (APPLICATION FORM- APPRAISAL FORM- SECURITY DOCUMENTS) Applicant’s Name S/o! Diol Wio ———— Tele.No/MobNo. MDP No. date cae DP No. os date Loan AccountNo, ——— Loan Amount ‘Tenure of Loan Months Rate of Interest _ Date of Disbursement — _ Instalment Amount & Frequency Rs - = Date of First & Last Repayment Instalment iy art tar gt shar eta B Where service is a way of lifen= PUNJAB & SIND BANK (ere eT THA /(A Government of India Undertaking) INDEX | S.No. Particulars Document No. | Page No. 1 | Common Application-Cum-Document GL7I1 1-4 2 Rsnnere oq Nomunaten GL712 5 3 Loan Appraisal Form GL713 \6 4 Schedule A: Details cum valuation of gold | GL714 7 coins/gold jewellery (Bank’s copy) 5 Schedule A: Details cum valuation of gold |GL714 coins/gold jewellery (Borrower's copy) 6 | Schedule A: Details cum valuation of gold | GL 714 9 | coins/gold jewellery (Copy to be kept with | the sealed pouch in the safe custody) 7 Schedule B & C: Pledging/ Release of | GL 715° 10 Security | 18 _ Sanction Letter (Bank’s copy) GL716 11-12 9 Sanction Latter (Borrower’s copy) ~ |GL716~ 13-14GL ‘The document to be stamped as per the applicable Stamp Duty of the respective State, PUNJAB & SIND BANK ane ee SUH (A Government of Tain Branch COMMON APPLICATION-CUM-DOCUMENT FOR LOAN AGAINST TIE SECURITY OF GOLD JEWELLERY/GOLD COINS, For Office Use only CBS Scheme | Date: DLJEW opxew [_] | Loan Account No: ——— L {1 SiS a Name of Valuer / Appraiser ;PAN (_] Bee Se) | Aadhar [—] SSS EES SEE] [Space for Signed Photograph(s) of the Applicant(s) The Branch Manager Punjab & § Dear Sir/Madam, OAN AGAINST GOLD. Y/GOLD CO! We. saree esata iuveuiity Slod/oW!o.. residing at 2 a i = ‘ request (0 grant inefusfany of us financial assistance by way of * upto the extent of Rs (Rupees = = s: —_ only) against sceurity of gold Jewellery/gold coins described in the Schedule A for the purpose of: * Agriculture and allied activities ‘or? ‘© Business (Micro & Small Enterprises) ‘or” + Other purpose (speci — =) “indicate demand loan (DLJEW)/ overdraft (ODJEW) /term loan (TLJEW) as the case may beUNDERTAKING In consideration of the sum of Rs. (Rupees =) sanctioned by the Bank by way of against the security of gold jewellery/gold coins. as_— described in. Schedule-A forthe -—_purpose of__ WWe undertake to: REPAYMENT. ‘ASE, ‘of demand | /We agree to repay on demand of the entire amount outstanding Hoan together with interest, charges, expenses and costs in the loan account. Hn case of ODICC WWe agree to repay after demand being made by the bank the balance | including interest, charges, expenses and costs outstanding and owing to the Bank on the said loan account Incase of termloan | I/We agree to pay the loan in. installments of | Rs. each commencing from. » WWe agree | | o pay interest as herein provided and the charges, expenses and costs. | In ci RECALL: - I/We agree that in case of default in payment of installment / irregular amount or interest the bank shall be entitled to recall the entire amount including interest, charges, ‘expenses and costs outstanding in the loan account 2. INTEREST i, we hereby agree (o pay interest on loan amount at % as spread over Repo Rate of the Bank, presently being herein referved to as the “Benchmark Rate") ic. @__% per annum with monthly rests. ii, ‘The Present interest rate linked to _BLR* may be changed from time to time by the Bank subject to the resct of interest rate at the end of __ Month/Year from the date of first disbursement as per the prevailing EBLR. Future reset dates and interest rates shall be determined accordingly. The External Benchmarks Lending Rate (EBLR) prevailing on the date of first disbursement, shall be applicable ill the next reset date. irrespective of the changes in the benchmark during the interim period, iii, Notwithstanding any other clause of the agreement, the Spread and the Benchmark Rate of imerest payable by the Borrower(s) and the periodicity of rests shall be subject to the changes/variations made by Reserve Bank of India/the Bank as the case may be from time to time.iv. In the event of there not being any Spread and/or Reference Rate, the borrower(s) agrees vi. to pay the interest at the rate as prescribed by the Bank from time to time. Payment: -EMU/ InteresU Principal shall be paid as and when due in terms of the repayment schedule Fixed for the credit facility ‘Part of Principal: - The interest shall be calculated on daily balance basis and interest duc iff not paid, will form part of the principal and carry interest at the above mentioned rate. vii. Adgitional_Interest:- /We agree to pay increased inlerest at the ale of _% p.a with monthly rests over and above the agreed rate of interest as under:~ a, In case of default in the payment of installment or interest on the due date: On the amount of default from the date of default. b, In case the entire loan is recalled by the bank as herein provided:- On the entire amount oustanding from the date of demand c. In case the account becomes irregular:~ On the amount of excess borrowing from the date the account becomes irregular * Applicable tenor as per sanction SECURITY i, Pledge: - VWe hereby pledge with you gold jewellery/ gold coins as described in Schedule -A for repayment of outstanding balance of the loan together with interest, costs, and expenses. Sccurity for further Liability: - ‘The bank is entitled to hold this security for any other liability / liabilities payable by me/us/any of us in respect of any advance financial assistance granted/to be granted hereafter and owing/that may be owing hereafter at any office of the bank on any account whatsoever whether solely or jointly with others and whether as principal debtor or surety. Enforcement:- In case of failure on my/our part o repay the loan and/or installment of the Joan and/or any other amount due under the loan account, the bank is entitled to dispose of the securities described in the Schedule A, either by public auction or by private contract without any notice to me/us/any of us. Shortfall, if any, after adjustment of the net sale proceeds shall be repaid by me/us/any of us on demand by the bank. Surplus, if any, may be adjusted by bank in or towards payment of any other monies due from me/us/any of us solely or jointly with any other person/persons. /We undertake not to lake any objection to the sale of the pledged gold jewellery/gold coins by the Bank and Uwe will not be entitled to any damages against the Bank in the conduct of the sale in any ‘manner4, ii iii vi vil vill OTHER TERMS WWe agtec to keep and maintain such margin as may be fixed by bunk from time to time, In case my/our indebtedness to the bank in this account exceeds the limit granted by the bank, 1/We shall be jointly and severally liable for the excess amount and the securities given shall also be or continue to be liable for the excess amount over and above the said limit ‘The securities hereby created shall operate as continuing sccurity for the balance or sum to become payable upon the said account and the said account is not to be considered to be closed lor the purpose of this security and the security is not to be considered exhausted by the reason of the said account being brought to credit at any time or from Lime to time. We agree to pay incidental charges/Jewellery Appraiser’s Hee in addition to the processing and documentation charges and other charges as stipulated or incurred by the bank from time to time. WWe confirm that /We am/are the tue ownet/s of the gold jewellery/gold coins described in the Schedule A and no prior lien or charge has been created on these gold jewellery/gold coins and no other person has any claim over or against these gold jewellery/gold coins, WWe hereby agree to hold ourselves liable as aforesaid on the confirmation letters signed by me/us/any of us and on all the accounts stated to me/us/any of us. We agree that cach one of us is an agent for the other (s) to acknowledge and admit liability outstanding in the account from time to time UWe agree to accept the statement of account furnished by the bank regarding the outstanding as well as sale of securities as sufficient proof of correctness thercof without production of any book, voucher or paper. IWe do further agree and hereby give to the said bank during the currency and for the payment of the dues, a general lien and right to set off and combine accounts without any notice and charge on all movable property of every description, coming into the possession and control of the said bank on account of me/us/any of us or time being held by the said bank on behalf of me/us/any of us whether alone or jointly with others in India or elsewhere. All communications, notice or demand/notice of sale posted by the Bank at the address given by me/us/any of us will be effectual. If /We change my/our address. We shalt give notice of such change to the bank, In the absence of such notice of change, it would be sufficient if communications are addressed to me/us/any of us at the address registered with the bank, Signature / thumb impression of borrower (s) 4lPageGL712 n cum document Nominatioy spect of Gold Security pledged and in the custody of the Bank © UWe nominate the below named person, to whom in the event of my/our death the gold security pledged and in the custody of the Bank, particulars of which are furnished in the schedule A, may be returned by the Bank upon payment of outstanding amount in full & final settlement, Name of the nominee: (please ensure that the nominee is not a minor) Son/Wife/Daughter of: _ = Address: Contact number: = Relationship of the borrower, if any: Age Wwe confirm that as per this nomination, the nominee shall become entitled to reccive the gold security pledged and in the custody of the Bank against payment of all outstanding to the Bank to the exclusion of all other persons. I/we further confirm that on such return, the Bank shall stand released ed. and discharg Lis also agreed that after my/our death, even if my/our legal heirs make the payment in relation (o the amount due by me/us/any of us to you it shall be lawful for you to deliver the gold jewellery/goldd coins to the nominee as aforesaid and none of my heirs will have any claim in relution to the same as against you. to nominate, (Tick and obtain the signature of the borrower(s), if © Thwe do not des nomination is not opted). Place: Date: Signature / thumb impression of borrower (3) ‘Thumb impression should be attested by two witnesses 1"Witness, 2" Witness Name: -__ Name: Address Address: Signature Signature: _ dated., ination and registered vide Serial No..GL713 ware ws fae ta PUNJAB & SIND BANK (ae THT RT SHA (A Goverument of lin Undertaking) Branch it the security of jewellery/Gold Coins Appraisal of loan ag 1. Assessment of surplus income: 2) Borrower(s) Name:.... b) Total income expected: Rs. ©) Total expenditurc/outgo: Rs. d) Net surplus (@-b): RS... 2, a) Loan amount sought by the applicants: Rs.. ND b) Appraised valuc of the Jewellerys by Jewellery Appraiser: Rs. {i.e. (ii) under Jewellery Appraiser certificate Schedule A] ©) 75% of 2(b) above: Rs.. . (2) 4) Jewellery loan scale of finance per gram of 22 carat gold as on date: Rs. ©) Eligible loan amount as per jewellery loan seale of finance: [otal of column Sof Jewellery schedule A x 2(d)] =R8....c0cccesssseeees (NB) 1) Eligible loan amount, Lower of (NI), (N2), and (N3) = Rs, 2) Loan amount sanctioned: Rs. A 3. A loan of Rs. . , is granted (0 the applicant on date agains the security of gold jowellery/gold coins for the purpose indicated in par (1) of common Joan application cum document. 4, Rate of interests... % 5. The loan should be repaid within ............months/years in monthly installments of monthly! quarterly/half-yearly/yearly installment of Rs..-ccccccsssseeee. each or in lumpsum with a repayment holiday of ......... Months/ycars 6. MDP No, 20D csrvseseees Loan Officer Branch Manager Name: ‘Name: Place: Date:GL714 (Bank's copy) SCHEDULE ‘A’ (i) Details of gold jewellery/gold coins | Parteuars Gross | Weightof | Weight of | Net weight of | Market value o gold jewellery/ | weight stones! other gold of 22 | coinsjewellery/ gold coins (gms) | threads & | impurities | carat purity | articles Rs. Tac, ete (gms) | (gms) (gms) | Per 10 gms. Gold of 22 carat 1 | 2 3 4 5 6 | TOTAL — —_—s | Valuation Certificate of the above mentioned gold jewellery/old coins by the approved jewellery Apprai I = RIO. the empanelled/approved Jewellery Appraiser of the Bank do hereby declare and certify that: a, The jewellery/coins mentioned in the above schedule have been tested by me and are made of gold, b. The gross weight, net weight and appraised value (as per 22 carat gold value) as mentioned in the above schedule are true and correct. ‘c, Matket value of the jewels described in the schedule herein above is as follows: i, Market rate for 22 carat yold per gram as on today: Rs, fi, Prevailing market value oF the jewels as assessed by me: Rs, (i.e. last column & row in the schedule above) dL eentify that the fitness/pn weights and valuation rates given herein above and in the schedule are correct Place: _ Date: Signature of the Jewellery Apprais: Counter Signature/thumb impression Counter Signature of BM/Loan Ofticer of Borrower(s) Loan Account No:- aGL714 (Borrower's copy) (i) Details of gold jewellery/gold coins Particulars of [Gross Weight of - Net | Market value of gold gold jewellery/ | weight stones! gold of 22 | coins/jewellery/ gold coins (ms) threads & | impurities | carat purity | articles Rs. Ine, ete (gms) | (gms) (ams) | Per 10 gms. Gold of 22 carat eer ce | | 4 s | 6 | — | — SSS | (ii) Valuation Certificate of the above mentioned gold jewellery/gold coins by the approved jewellery Appraiser of the Bank 1 cee RIO the empanelled/approved Jewellery Appraiser of the Bank do hereby declare and certify that: a. The jewellery/coins mentioned in the above schedule have been tested by me andl are made of gold b. The gross weight, net weight and appraised value (as per 22 carat gold value) as mentioned in the above schedule are true and correct €. Market value of the jewels described in the schedule herein above is as follows: i, Market rate for 22 carat gold per gram as on today: RS... ii Prevailing market value of the jewels as assessed by me: Rs. (ie. las column & row in the schedule above) dL eertify that the fitness/purity, weights and valuation rates given herein above and in the schedule are correct. Place: Date: Signature of the Jewellery Appraiser ‘Counter Signature/thumb impression Counter Signature of BM/Loan Officer of Borrower(s) eee) Loan Account No:- |GL714 (Copy to be kept with the sealed pouch in the safe custody ) SCHEDULE ‘A’ (i) Details of gold jewellery/gold coins Particulars of | Gross | | Weight of | Net weight of | Market value of gold gold jewellery/ | weight stones! other gold of 22 | coiny/jeweltery/ gold coins (gms) threads & | impurities | carat purity | articles Rs. fac, ete (gms) (gms) (gms) | Per 10 gms. | carat 1 2 an 4 5 6 | TOTAL ade ean Ren 5 (ii) Valuation Certificate of the above mentioned gold_jewellery/gold coins by the approved jewellery Appraiser of the Bank seco sseMO veo ere ae... a the cmpanelled/approved Jewellery Appraiser of the Bank do hereby dectare and certify that: 1. The jewellery/coins mentioned in the above schedule have been tested by me and are mace of gold. b. ‘The gross weight, net weight and appraised value (as per 22 carat gold value) as mentioned in the above schedule are true and correct, . Market value of the jewels described! in the schedule herein above is as follows: i, Market rate for 22 carat gold per gram as on today: Rs. ii, Prevailing market value of the jewels as assessed by me: Rs (ce. last column & row in the schedule above) 4. T certify that the fitness/purity, weights and valuation rates given herein above and in the schedule are correct. Signature of the Jewellery Appraiser Counter Signature/thumb impression Counter Signature of BM/Loan Offiver of Borrower(s) Loan Account No:-GL715 SCHEDULE ‘B’ (AT THE TIME OF KEI PING THE GOLD JEWE .LERY / GOLD COINS IN SAFE) Scaled pouch of gold jewellery / gold coins as per Schedule ‘A’ along with copy of the said schedule has been kept in safe. Signature of 1st Key Holder Signature of 2nd Key Holder SCHEDULE ‘C’ (AT THE TIME OF ADJUSTMENT OF LOAN AND RETURNING OF ABOVE GOLD JEWELLERY / GOLD COINS) I have received all the gold jewellery / gold coins as per Schedule *A’ intact and'to my satisfaction which were kept with the bank as security at the time of raising loan. Signature/thumb impression Signature of Bank Official(s) delivering of Borrower(s) the gold jewellery / gold coins lolPageGL716 Bankes copy) fe vara wos fay da t= PUNJAB & SIND BANK (ona SUH (A Government of India Undertaking) Branch ‘To, ShrifSmt/Kum Dear Sir/Madam, Demand Loan / OD /Term Loan against security of gold jewellery / gold coins for Rs, = MDP No. Date: With reference to your application dated . We hereby sanction you a Demand Loan / Overdrafverm Loan* of Rs. (Rupees ______only) on the following terms and conditions: 1. Purpose: The loan is sanctioned to you as per your application dated 2. Rate of Interest: Interest on loan outstanding will be charged at _f% as spread over __Repo Rate of the Bank, presently being %, (herein referred 10 as the “Benchmark Rate") ic, @___% per annum with monthly rests, subject to reset at the end of Month/Year from the date of first disbursement as per then prevailing I:BLR. Future reset dates, and interest rates shall be determined accordingly. ‘The EBLR prevailing on the date of first disbursement, shall be applicable tll the next reset date, irrespective of the changes in the benchmark during the interim period. ‘The Bank shall at any time and trom time to time be entitled to vary the Margin (spread) and EBLR at its discretion. Depending on variation of EBLR and spread, the effective rate of interest shall vary periodically and the borrower(s) shall be liable to pay the effective rate of interest as on the agreed date of reset or change in the spread ats the case may be. In the event of default in payment of any installment or any irregularity in the loan account, penal interest at the rate of %p.a. over the stipulated interest rate with monthly rests will be charged for the regular amount and overdue period.‘The Borrower! Co-borrower shall be deemed to have notice of changes in the rate of interest whenever the changes in the EBLR Rate are displayed / notified at / by the Bank / published in the newspapers / in the website of the Bank/ made through enury of interest charged in the passbook / statement of accounts sent to the Borrower! Co-bortower ete, and you are liable to pay such revised rate of interest. 3. Repayment * a, Cash Credit accounts: ‘The facility is a running account and the sanction is valid for three years, subject (o review every year to determine satisfactory conduct of account, b. Demand loans: Payable on demand. ‘The entire loan along with interest is 10 be repaid on _ (date). ¢. Term Loan: ‘The loan amount along with interest is repayabl ____ (number of installments) monthly Installment of Rs. and a final installment of Rs. (* Strike out whichever is not applicable) 4. Processing Charges: Processing charges of Rs. is payable immediately, which will be debited to the account. 5. Sccurity: ‘The loan is secured by way of gold jewellery / gold coins valued Rs. Rupees. - only) to be pledged by you as described in Schedule A (copy annexed) 6. In the event of failure to pay any single installment, bank is entitled to call up the full loan amount due with interest. 7. The loan is also subject to other terms and conditions as mentioned in the document (s) executed / to be executed in connection with the loan and as may be prescribed by the Bank from time to time. 8. ‘The copy of this sanction letter should be returned immediately to us duly signed by you in Loken of the acceptance of the terms and conditions detailed above, 9, Accepted the Nomination and registered vide Serial No Dated Yours faithfully, Branch Manager “Terms and conditions accepted. Received the Customer copy along with copy of Schedule ‘A’ ignature/thumb impression of Borrower(s) Date: I21Pagedara wos fier dar "re PUNJAB & SIND BANK er (A Geren of la iden) Branch NCTION LET To, Shri/Smt/Kum Dear Sir/Madam, Demand Loan / OD /Term Loan against security of gold jewellery / gold coins for Rs, _ MbP N Date: With reference to your application dated . We hereby sanetion you a Demand Loan / Overdrafi’Term Loan* of Rs (Rupees — only) on the following terms and conditions: 1. Purpose: The loan is sanctioned to you as per your application dated 2. Rate of Interest: Interest on loan outstanding will be charged al ___% as spread over __Repo Rate of the Bank, presently being __ %, (herein referred to as the “Benchmark Rate”) ie. @______% per annum with monthly rests, subject to reset at the cnd of Month/Year from the date of first disbursement as per then prevailing EBLR. Future reset dates and interest rates shall be determined accordingly. ‘The EBLR prevailing on the date of first disbursement, shall be applicable till the next reset date, irrespective of the changes in the benchmark during the interim period. The Bank shall at any time and from time to time be entitled to vary the Margin (spread) and EBLR al its discretion. Depending on variation of EBLR and spread, the effective rate of interest shall vary periodically and the borrower(s) shall be liable to pay the effective rate of interest as on the agreed date of reset or change in the spread as the case may be. In the event of default in payment of any installment or any irregularity in the Joan account, penal interest at the rate of Sp.a. over the stipulated interest rate with monthly rests will be charged for the irregular amount and overdue period. Bit‘The Borrower! Co-borrower shall be deemed to have notice of changes in the rate of interest whenever the changes in the EBLR Rate are displayed / notified at / by the Bank / published in the newspapers / in the website of the Bank/ made through entry of interest charged in the passbook / statement of accounts sent (o the Borrower/ Co-borrower ete, and you are liable to pay such revised rate of interest. 3. Repayment *: 4. Cash Credit accounts: ‘The facility is a running account and the sanction is valid for three ‘years, subject (0 review every year to determine satisfactory conduct of account. b, Demand loans: Payable on demand. The entise loan along with interest is to be repaid on (date). ¢. Term Loan; The loan amount along with interest is repayable in _ (number of installments) monthly Installment of Rs, and a final installment of Rs. (* Strike out whichever is not applicable) 4, Processing Charges: Processing charges of Rs. is payable immediately, which will be debited to the account. 5. Sccurity: The Joan is secured by way of gold jewellery / gold coins valued Rs. only) ____Rupees. {0 be pledged by you as described in Schedule A (copy annexed). 6. In the event of failure to pay any single installment, bank is entitled (0 call up the full loan amount due with interest. 7. ‘The loan is also subject to other terms and conditions as mentioned in the document (s) executed / to be executed in connection with the loan and as may be prescribed by the Bank from time to time, 8. The copy of this sanction letter should be returned immediately to us duly signed by you in token of the acceptance of the terms and conditions detailed above. 9. Accepted the Nomination and registered vide Serial No Dated ‘Yours faithfully, Branch Manager ‘Terms and conditions accepted, Received the Customer copy along with copy of Schedule “A” Date: Signature/thumb impression of Borrower(s)... laipaPSB OFFERS GOLD LOAN AGAINST JEWELLERY AND GOLD COINS AT VERY ATTRACTIVE TERMS > Easy and quick processing of loan application > Maximum loan against value of gold > Minimum documentation > Nominal gold valuation/appraiser charges > Attractive Scale of finance. > For any productive purpose like agriculture, Micro and Small Industry, Education, House Repair etc. > Rate of interest as per activity/purpose of loan > Repayment as per convenience > Agriculture loan repayable up to 24nonthsRS a ro Co oy Punjab & Sind Bank LOAN APPLICATION FORM FOR AGRICULTURAL CREDIT. * (Production Credit/Crop Loans/KCC/Agri-Term Loan) ‘The Branch Manager B.O. Signature of Applicant Signature of Co-Applicant Signature of Guarantor A, For office Use: | Application SI. NO. | Category sr | MF Others B, Purpose and Type of Loan facility (Crop Loans/KCC/Agri-Term Loan)- Applicable Interview - cum - appraisal form to be enclosed to this application, depending upon the purpose ofloan, Purpose of Loan ‘Type of Loan facility / Scheme | Amount required (Rs.) C, Particulars of the applicant(s)/ Co-applicant / Guarantor Full Name(s) of the Applicant(s) | Date of [ Age | Gender | Aadhar No Voter's 1D Birth | (optional) JDL / PAN D. Details of family members of the applicants : SL] Name ofthe family | Age | Gender | Relationship | Occupation | Annual income | No. members | (Rs. [a L Name of the Karta (incase of HUF) E, Address with contaet Nos. : Present Address | Permanent Address House No: ‘Street No: House No: Village Village Post Office Post Office /Taluk/Mandel Taluk/Mandal Distriet District Applicant Co-Applicant Guarantor L Email 1D, MobiieF, Social Category of the Applicant: Social Category |“ [sc lst | OBC Physically Handicapped | Minorities Community ifitnonity | Budahisis | Mustims Christians | Sikhs | Jains | Zoroastrians G. Existing Banking / Credit Facilities of the Applicant: Type of Facilities Presently Banking with ‘Account No. Balance Savings Account outstanding (Rs Fixed Deposit PMJDY OD Account [ccrrenm Loan Whether Covered Under |_7 1 PMJIBY/PMSBY/APY [Tibanking with this bank, customer ID to be_given here H. Particulars of total land holdings of the applicant (If Lease hold/share eropper, specify): the Khasata Village | No Owned [Name of | Survey/ Title Leased ——_—_| Area Share in Of which | Encumbrance irrigated 1.0f total landed properties mentioned at ( H) above, land / crop details pertaining to the loan applied [Name of the Survey? | Village Khasara No, Area in Source of | Name ‘of Crops to be Grown Irigation haar Rabi | Other Crops_| Crops 4. Sourees of Income of the Applicant: Agricultural Income [Other Income (Specify) “Total Income K. Particulars of Immovable Asset Owned by the Applicai [Ammovable Assets Particulars’ Description Pi resent Market Value (Rs.) Agricultural Land Non Agricultural Land House/Building Tractor Shed/Farm Shed Fishing Ponds/Tank Total Value:L, Particula of Movable Assets Owned by the Applicant: Movable Assets Particulars/ Description _| Present Market Value (Rs.) | Plough cattle/Milch cattle Poultry birds: Tractors: Power tiller Elec. Motor/Pumpsets Other implements Total Value: M.Particulars of existing liabilities as borrower, if any: Name of the Institution Purpose Balance Ofwhich | Securit of loan outstanding (Rs.)_| overdue _| y ‘Our Bank Z (Other Banks ~ ‘Agricultural Credit Sovieties Land Development bank Other Creditors (Gov. dues) Total Outstanding: N. Net Worth of Applicant(s (KHL) -M ] Rs... O. Particulars of Lial ities as Guarantor: Loan ‘Name of the Amount of | Balance Status of Account: | sanctioned to | Bank / Institution | Loan (Rs.) | Outstanding (Rs.) | (Regular / Shri / Smt Overdue) | P. Security Proposed to be offered by the Applicant: Particulars of Primary Security offered | aenene ees Soe Particulars of Collateral Security (where applicable) Q. Guarantors offered (if any): Names of the Guarantors. Residential Address ‘Age Telephone No/ Mobile No. Net Worth (Rs) OccupationR. Declaration: WWe hereby declare that all information furnished by me/us is true, correct and complete to the best of my/our knowledge and belief, I/We have no borrowing/liabilities excepting those mentioned in the ‘application form. I/We hereby authorise the Bank to disclose all or any particulars or details or information relating to my/our loan accounts with the Bank, to any other financial institution, government or any ageney(ies) as may be considered necessary or desirable by the Bank. It will be in order for the Bank to disqualify me/us from receiving any credit facilities from the Bank in case itis proved that the declaration of my/our outside borrowings made above contain misrepresentation of facts. I/We hereby undertake to abide by the terms and conditions that the Bank may stipulate in sanction of this loan and inform Bank in the event of acquiring any other assets during the tenure of the advance. ‘The Bank may take appropriate saleguurds/uction forrecovery offbank's dues. If we affirm that no other lien/charge/encumbrances against my / our share in the agricultural land mortgaged with the bank (ifany) will be created during the pendency of the bank loan without the express permission ofthe bank, a) If Wegive consent foraccessing my/our credit report. b) Uwe give consent for submitting information to CICs regarding default (Days past due DPD) in existing credit facilities. Signature/thumb impression of Borrowers Signature/thumb impression of Guarantors CHECK LIST: (The check list is only indicative and not exhaustive and depending upon the requirements ofthe bank addition/deletion could be made as pernecessity) i. Proofofidentity: Selfattested copy of Voter's ID Card/ Driving Licence/ PAN Catd/ Aaadhaar Card / Passport / Photo Ids issued by Govt. authority ete. Proof of Residence: Recent telephone bill / electricity bill / property tax receipt (not older than 2 months) / Voter's ID Card / Aaadhaar Card / Passport (Certificate issued by Govt, Authority I Local Panchayat / Municipality ete. Applicant's recent Photograph (2copies) not olderthan 6 months. Particulars of Land Records.ACKNOWLEDGEMENT. Received the loan application from Shri/ Sint Residence of. for the purpose of. All the required information / documents have been furnished 09 -...j...tsn/ Yotto be furnished by the applicant. Officer/ Manager CutHere Customer copy: Received the loan application from Shri/Smt. Residence of, on. ce sees for the purpose of... All the required information / documents are furnished on .. to be furnished by the applicant, Dates... ee Officer/ Manager sase Note that: This is only an acknowledgement for having received the application and this should not be construed as an indication of our acceptance of the proposal , a decision on which will be taken only after due consideration of the proposal on its merit and / or on fulfilment of conditions if any, that may be stipulated by the Bank. The application will be taken up for consideration only afterall the particulars /data// documents as may be required are received by the Bank. The application will be disposed of within .......... days from the date of receipt of all the details /papers/documents clarifications sought by the Bank. In case the proposal is rejeeted/not considered the reasons for the same will be intimated to the applicant. DPit ecg a at aso wre we fier da PUNJAB & SIND BANK ava ws fho aa DTA, cere araere ws RA / A Govt. of Incka Undertaking) VALUES. RU H 3a & fae APPLICATION FOR MSME LOAN (ardaer wrt - ore at -creort Peake) (APPLICATION FORM — CHECK LIST — CREDIT REPORTS) Saga wT ATT ‘APPLICANT NAME ay gph net $/0 ,0/0,W/O cotter a:- TELEPHONE NO. FET TRY LOAN AMOUNT arate daft WORKING CAPITAL fara ot FUNDED a er tr NON FUNDED arate agoT TERM LOAN1 | Application Proprietor/ Partners/| | Guarantors Balance Sheet Associate units CHECK LIST OF DOCUMENTS TO BE SUBMITTED BY THE CUSTOMER Application | KYC Details ctors | Brief Profile ~__| Photos of proprietor/partners/Directors/Guarantors Passport/EC ID Crad/ Driving Licence “Telephone Bill/ Ration Card PAN Card / DIN of Director/Aadhar card No, IT Retum for 3 years Assets & Liability Statement — Partnership Deed & Partnership Letter/Trade Licence Memorandum & Article of Association Certificate of Incorporation/ Commencement Board Resolution - __ Search Report from Registrar of Companies | Udhyam Registration Panchayat Licence | PAN Card IT Return for 3 years GST Retum | Project Report Power Allocation "| Plan/Estimate/ Proforma Invoices 7 “Pollution Control Clearance ‘Actual- Past 3 Years Audited Estimated- Current Year Projected- Next Year | Projected- [for Term Loan] ‘CMA Data Brief profile Balance Sheet Enhancement ( in case of | Last Inspection Report “enhancement usual papers as “required in case of fresh advance ) Take Over Term Loan Review Copy of Last Sanction Note Confirmation of irregularity, if any Copy of Sanction Letter of previous banker _ Statement of account for the previous 1 year Page 2 Credit information Report/CIBIL for individuals/unit(Commercial)No NPA/Litigation Declaration | 8 | Property Original Title Deed er rerereL ro ae) Prior Deeds [Chain of Title Deeds} Latest Land Tax Receipt/Property Tax receipt Possession Certificate/Possession letter/Allotment letter Valuation Report arts 4 - Location Sketch EI Legal opinion, index Inspection, Non Encumbrance Certificate * These are only indicative and not exhaustive. Pages1 | Name of the Enterprise Registered Office Address City State, ___Pin code 3. | Address of Factory/ Shop | State = Pin code /OBC/Minority | Yes/ No Community If Yes, Community: 5. | Telephone Nos. (Office) 6, | Email address 7. | Mobile No. 8. | CIBIL summary score = Jo | Cons m | Proprictary | Partnership firm [vt Lid | bea Company | Co-op. Society | Others (ick appropriate column) —}- —_— e Micro ‘Small Medium 10, | MSME Category /11, | Udhyam Registration No. | | Date of ly] ] | ] | 12, | Histablishment | | || | damm/yyyy) |_| |_| Hei] 3. | GST No. { City 14, | Branch where loan is required 15, Personal Details of Promoters/ Partners/Directors of Company Name | D.0.B. | Father/ Spouse | Academic Category ‘Mobile No. | | Qualification SC/ST/ OBC | Minority/ | | i Women | i | 2 | 4 | | | SNNo, | PAN No. | Aadhaar No./ | Telephone Experience in | DIN No. No, the line of (Residence) _| activity (Years)| 17(@) | Whether the MSME unit is ZED rated (Yes/No) | | 170) | IF Yes, the gradation obtained by the MSME unit (Tick appropriate one) | Bronze Gold Diamond | Platinum 18, Names of Associate Concerns and Nature of Association f | Name of the Associate | Addresses of the Presently Nature of Lxtent of Interest as concern Associate Concern Banking with Association: a Prop Partner Director/ or Just | investor in Associate Z | concern | | 19, | Relationship of Proprictor/Partners/Dircetors with the | Yes/No officials of the Bank/Directors/Staff of the Bank. (If'Yes then specify) 20(a). Bunking/ Credit Facilities (Iixisting) — a (Rs. in lakh) | Type of Limits Outstanding | Presently | Security ROL Repayment terms facilities | ason banking with | lodged | opp { | | Cash Credit | Term Loan - LO/BG. — 7 Others | | | Total I | If Banking with P&SB, Account no. be given here It is certified that our unit has not availed any loan from any other Bank/ inancial Institution in the past and we amare not indebted to any other Bank/Financial Institution other than those mentioned in 18(a) above 20(b). Banking! Credit Facilites (peoposed) | Type of | Amt. (Rs.in Purpose for Seemed lakh) which required a | Primary sccurity | Whether collateral security offered | | (details with (UC Yes, provide details in Column approx. value to be | 20 b) mentioned) | | | Cash Credit * | opp | Term Loan | LCBG Bill/Cheque purchase Others ‘Total I Pages“Basis of Cash Credit Limit applied (Rs. in lakh) | Projected = =! Cash Sales | Working | Inventory | Debtors | Creditors [ Other | Promoters | Credit Cycle in Current | Contribution | Months | Assets | 21. In case of term loan requirements, details of proposed machinery/equipments (Rs. in lakh) Typeof | Purpose | Whether | Name of | Total cost of | Contribution [Loan | Repayment Machine/ | for which | imported | supplier Equipments | required — | or indigenous | machine (in| being made | required | proposed case if by the imported promoters, machine, the break-up of basic cost , freight, insurance and customs duty may be given) 22. Details of Collateral Securities offered, if any, including third party guarantees a) Collateral Security SIN) Nome of owner of | _ “Collateral Security Collateral Nature Details Value (Rs.in lakh) | hi — ——- 2 mia | - Z | 3 b) third Party Guarantee: | | Name of | ‘Telephone . | Net Worth |, SN.) Guarantor | | No Mobile No. (is. in lakh) PANN | | t t | | | | | | (Rs. in lakh) 23. Past performance/future estimates (Actual performance for two previous years, estimates for current year and projections for next year to be provided for working capital facilities. However for term loan facilities, projections to be provieled till the proposed year of repayment of loan on separate shect) 2 Year before last | Year before last | Last Financial | Present Next Financial | Financial year | Financial year | year Financial Year | Year | | mutes) —_| (Projection) Net Sule - | Net Profit | Capital/Net worth Operating Profit24. Status regarding statutory obligations Statutory Obligations. ‘Whether complied with (Write | Remarks (Any details in connection with Yes/No). Ifnot, applicable then | the relevant obligation 10 be given) write NA. Registration under shops and Establishment Act, ‘Registration under MSME (ProvisionalFinal) [ee ‘Drug License (if applicable) Latest GST/VAT Tax Retum Filed Latest Income Tax Return Filed AGST/Service Tax Returns Filed ‘Any other statutory obligations like Pollution Certificate etc. ‘Any other statutory dues remaining outstanding Declaration : 1/We certify that all information furnished by me/us is true; that 1/We have no borrowing arrangements for the unit except as indicated in the application; that there is no over dues/statutory dues against me/us! promoters except as indicated in the application; that no legal action has beervis being taken against me/us! promoters ;that I/We shall furnish all other information that may be requited by you in connection with my/our application that this may also be exchanged by you with any agency you may deemed fit and you, your representatives, representatives of the Reserve Bank of India; or any other agency as authorized by you, may,at any time,inspect/verify my/our assets, books of account ete in our fuctory/business premises as given above. a) _I/ We give consent for accessing my/our credit report b)__Iéwe give consent for submitting information to CICs regarding default /Days past due DPD) in existing credit facilities. SPACE FOR SPACE FOR SPACE FOR SPACE FOR PHOTOGRAPGH PHOTOGRAPGH PHOTOGRAPGH PHOTOGRAPGH, SIGNATURE SIGNATURE SIGNATURE SIGNATURE6 Pun jab & Sind Bank ‘Mes. PROFORMA FOR CREDIT REPORT ‘The Branch Incharge, Punjab & Sind Banl Dear Sir, hereby append below the details of my assets and liabilties as required by you in connection with credit ‘aclities being sanctioned/renewed!reviewed by your Bank in the name of Mr/Mrs. 1. Details of Assets & Liabilities of (Whether Guarantor/ Individual/ Sole Proprietor /all partners / all sctors etc.) 2. Nature of main business (also of side, identical, |, connected ‘or associated firms giving the nature and place of business). 3. Constitution 4, Year in which established 5. Address: Business Residence 6. Fullname of the Proprietor, partner, Karta and Co-partners, Directors, etc. ‘and their relationship with each other if any (Brief report on the business means / assets of partners, directors tobe given on the reverse) Investment in business: RS. Sh. /Smt Date: Space for applicant Photo to be ‘ross signed Slo Wio Dio Tel, No/Mob Tel. No/Mob Other Assests: Rs. Fixed Assets- Propet - ‘Name of Owner ‘Adress of Property Vals Document Submited Vehicle - Name of Owner ‘Vehicle No, alae Document Submited] Deposits Account ‘Nature of account Bank's Name ‘Account No, Balance PesOthers as: i | Cashin Hand | haresholdingeapial TOTAL ASSETS 9. Liabilities Vehicle loan Date of sanction Loan Amount Outstanding Balance Copy of sanction attached | Housing loan Date of sanction Loan Amount Outstanding Balance | Copy of sanction attached | Other loans / Liabilities . Date of sanction | Loan Amount | Outstanding Balance Copy of sanction atached | = ee TOTAL LIABILITIES 10. Worth = Assets - Liabilities ‘11. Income for last three years (attach payment assessment orders). 12, Names of other bankers/branches and credit facilities allowed by them. : 43. Trade references (at least 2 names required) 1 with Mobile No. 2 \ certify that the above information is true and correct. | also confirm that no suit has been filed by any bank / financial institution against me or any of the firms or companies in which | am proprietor / partner / guarantor director. And no rebate has been given by any bank or OTS has been done by me/my association with any bank/Fl APPLICANT'S SIGNATURE VERIFIED BY LOAN OFFICER INCHARGE BRANCH MANAGERGovt. of India undertakin fe Punjab & Sind Be & Sind Bank aunt, 1am furnishing my details for standing as guarantor in the loan Case of .. 1. Name (Two photographs) 2. Father's Name Space for 3, ResidentialAddress | guarantors (Enclose address proof) Photo to be ‘Owned / Rented! parental cross signed 4. Office Address (Enclose address proof) 5. Telephone no. Resi (Enclose copy of latest bill) Off. Mob Email 6. PAN no/Adhar No. re (Enclose copy) 7. Annual Income (Enclose last 3 years’ ITRs with form 16 or computation of income). 8, Existing Bank Name and afc no. 9. Credit Report / Net worth : (As per Performa enclosed) Immoveable property: Address _ Value Moveable property: Vehicle, Cash in hand/ Bank, Jewelery Value Less allliabilties, Networth 10. Details of Contingent Liabilities (Guarantees given and outstanding as on date, if any) Nature of Guarantee Amount 11, Tworeferences: Name slo, Address Ph. /Mob. No. Neme s/o, Address, c Phi/Mob. No. Guarantor’s Signature Page 10Punjab & Sind Bank (A Gow. of India undertaking “iw. PROFORMA FOR CREDIT REPORT Space for guarantor The Branch Incharge, Date: Photo to be Punjab & Sind Bank cross signed Dear Sir, Reg, : MY ASSETS AND LIABILITIES hereby append below the details of my assets and liabilities as required by you in connection with credit facilities being sanctioned/renewed/reviewed by your Bank to Mr/Mrs, 1 Details of Assets & Liabilities of: Sh. ‘Smt Slo Wo Dio (whether Guarantor/ Individual / Sole Proprietor / all partners / all directors etc.) 2, Nature of main business : (also of side, identical, connected or associated firms giving the nature and place of business). 3. Constitution “4. Year in which established 5. Address : Business Tel, No/Mob Residence Tel. No/Mob 6. Fullname of the Proprietor, partner, Karta and Co-partners, Directors, etc and their relationship with each other if any (Brief report on the business means / assets of partners, directors tobe given on the reverse) 7. Investmentin business: Rs. 8 Other Assets Rs. Fined Assets- Property Name of Owner Address of Property Value | Vehicle | Name of Owner Vehicle NoDeposits Account Nature of account Bank’s Name Others Cash in Hand Shares/holdings/capital TOTAL ASSETS 9. Liabilitios: Vehicle loan Date of sanction Loan Amount Housing loan Date of sanction | Loan Amount Other loans / Liabilities Date of sanction | Loan Amount TOTAL LIABILITIES 10. Worth = Assets - Liabilities. ‘11. Income for last three years (attach payment assessment orders). : 12, Names of other bankers/branches and credit facilities allowed by them. 13, Trade references (at least 2 names required) Account No. Outstanding Balance Balance | ‘Outstandii | Outstanding Balance | cettfy that the above information is true and correct. | also confirm that no suit has been filed by any bank / financial institution against me or any of the firms or companies in which | am proprietor / partner / quarantor / directors and.no rebate has been given by bank or OTS has been done by melmy associates with any bank VERIFIED BY LOAN OFFICER INCHARGE/BRANCH MANAGER Page 2 GUARANTOR’S SIGNATUREACKNOWLEDGEMENT Received the loan application from Shri/ Smt. Residence of. on. for the purpose of. Alll the required information / documents have been furnished on... Fyet to be furnished by the Date:.. Officer/Manager CutHere. ‘Customer copy: Received the loan application from Shri/Smt. Residence of. ee on svn for the purpose of... All the required information / documents are furnished OM ....sntssnensenaeei tobe furnished by the applicant Date. Officer/Manager Please Note th: 1. ‘Thisis only an acknowledgement for having received the application and this should not be construed 4s an indication of our acceptance of the proposal , a decision on which will be taken only after due consideration of the proposal on its merit and / or on fulfilment of conditions if any, that may be stipulated by the Bank. 2. ‘The application will be taken up for consideration only afterall the particulars / data / documents as may be required are received by the Bank, 3. The application will be disposed of within ..... days from the date of receipt of all the details Jpapersidocuments /elarifications sought by the Bank. 4, In case the proposal is rejected/not considered the reasons for the same will be intimated to the applicant