ALPHA CODE LATOUC

RETAIL LOAN SPACE FOR PHOTO

APPLICATION
BORROWER
NO FOR PERSONAL
LOAN
I/ WE HEREBY REQUEST YOU TO GRANT ME/US A LOAN FACILITY FOR PERSONAL USE
TO ENABLE YOU TO CONSIDER THE PROPOSAL, I/WE SUBMIT THE FOLLOWING PARTICULARS
PLEASE COMPLETE ALL SECTIONS IN BLOCK LETTERS AND TICK BOXES WHEREVER APPLICABLE.
NAME OF APPLICANT
WITH HUSBAND/
FATHER NAME
CATEGORY /
COMMUNITY
PAN NO. ADHAR NO
CUREENT RESIDENCE
ADDRESS
PERMANENT
RESIDENCE ADDRESS
NO OF YEARS AT CHANGED RESIDENCE IN NOT ONCE MOR
RESID PAST CHANGED E
MOBILE NO
DATE OF BIRTH AGE

NAME OF CO-
APPLICANT WITH
HUSBAND/ FATHER
NAME
CATEGORY /
COMMUNITY
PAN NO. ADHAR NO
CUREENT RESIDENCE
ADDRESS
PERMANENT
RESIDENCE ADDRESS
NO OF YEARS AT CHANGED RESIDENCE IN NOT ONCE MOR
RESID PAST CHANGED E
MOBILE NO
DATE OF BIRTH AGE

NAME OF GUARANTOR
WITH HUSBAND/
FATHER NAME
CATEGORY /
COMMUNITY
PAN NO. ADHAR NO
CUREENT RESIDENCE
ADDRESS
PERMANENT
RESIDENCE ADDRESS
NO OF YEARS AT CHANGED RESIDENCE IN NOT ONCE MOR
RESID PAST CHANGED E
MOBILE NO
DATE OF BIRTH AGE
1|Page

NET WORTH
APPLICANT CO-APPLICANT GUARANTOR
1. TOTAL
MOVABLES
2. TOTAL
IMMOVABLES
3. TOTAL ASSETS
1+2
4. TOTAL
LIABILITIES
 5. NET MEANS 3-4

6. AMOUNT OF
COLLATRALS
PRESENCE OF GUARANTOR

ABOUNT YOURSELF
SEX MALE EDUCATION MATRIC
FEMALE UNDER GRADUATE
OTHER GRATUATE
MARITAL SINGLE POST GRADUATE
STATUS MARRIED DOCTORATE
DIVORCED
WIDOWED PROFESSION DOCTOR
AL
ARCHITECT
NO OF DEPEDENTS
CA
NO OF CHILDREN
MBA
ENGINEER
LAWYER

OTHER, SPECIFY

CREDIT CARD DETAILS OTHER ASSETS

NO .CREDTIT CARD COLOR TV WASHING
OWNED MACHINE
BANK REFRIGERATOR COMPUTER
SAVING AC OTHER CAR HOUSE
BANK TWO WHEELER AGRI LAND
CURRENT AC OTHER CELLPHONE PLOT
BANK
TERM DEPOSIT OTHER
BANK

BANKING RELATIONSHIP WITH OUR BANK

AC NO BALANCE
SAVING ACCOUNT WITH OUR
BANK
CURRENT ACCOUNT WITH OUR
BANK
TERM DEPOSIT WITH OUR BANK

PLEASE TELL US ABOUNT YOU WORK : SALARIED

NAME OF
ORGANIZATION
DESIGNATION EXECUTIVE MANAGERIAL CLERICAL
2|Page
DEPARTMENT
OFFICE ADDRESS
CONTACT DETAIL E MAIL ID
OFFICE
WORKING WITH GOVT/PUBLIC PUBLIC LTD CO PRIVATE LTD CO
SEC
PARTNERSHIP PROPRIETORSHIP MNC
WORKING SINCE RETIREMENT AGE
WORKING AT GREATER THAN 5 YEARS BETWEEN 3 TO 5 YEARS
CURRENT JOB BETWEEN 1 TO 3 YEARS LESS THAN 1 YEAR
GROSS MOTHLY NET MOTHLY INCOME
INCOME

PLEASE TELL US ABOUNT YOU WORK : SELF EMPLOYED

NAME OF
ORGANIZATION
DESIGNATION EXECUTIVE MANAGERIAL CLERICAL
DEPARTMENT
OFFICE ADDRESS
CONTACT DETAIL E MAIL ID
OFFICE
BUSINESS DETAILS PARTNERSHIP PROPRIETORSHIP PRIVATE LTD CO
OTHERS, PLEASE SPECIFY :
ESTABLISHED SINCE RETIREMENT AGE
YEARS IN CURRENT GREATER THAN 5 YEARS BETWEEN 3 TO 5 YEARS
BUSINESS BETWEEN 1 TO 3 YEARS LESS THAN 1 YEAR
GROSS MOTHLY NET MOTHLY INCOME
INCOME

PROPSED LOAN DETAILS ( TO BE FILLED BY BRANCH/OFFICE)

TENURE IN MONTHS
PURPOSE
PURCHASE PRICE (RS.)
LOAN AMOUNT (RS.)
RATE OF INTEREST %
MARGIN %
PROPOSED EMI

INCOME DETAILS:
GROSS MONTHLY INCOME (RS.)
DEDUCTIONS IN MOTHLY INCOME
(COMPULSURY DED)
ANNUAL TAX LIABILITIES
ANNUAL LIFE INSURANCE PAYABLE
TOTAL MOTHLY HOUSE HOLD EXPENSES
MOTHLY LOAN AMOUNT
NET AVAILABLE INCOME FOR LOAN

VEHICLE DETAILS
TYPE OF GRATER THAN BETWEEN 4 TO 6 GREATER THAN 6
VEHICLE 4 LACS LACS LACS
AGE OF BRANG NEW BETWEEN 0 TO 3 BETWEEN 3 TO 5
VEHICLE YEARS YEARS

FOR NEW CAR

MAKE OF VEHICLE
MODEL OF VEHICLE
NAME OF THE DEALER
FORSECOND HAND CAR
MAKE OF VEHICLE 3|Page

MODEL OF VEHICLE

ENGINE NO./ CHASIS NO.

NAME OF THE OWNER / SELLER

SERVICEABLE AGE OF VEHICLE IN YEARS

OUTSTANDING LOAN DETAILS :

TYPE OF LOAN AMOUNT OF OUTSTANDING EMI DEFAULT/
LOAN OVERDUE

ABOUT YOUR BANK DETAILS :

NAME OF THE BRANCH AC TYPE AC NO BALANCE
BANK

ANY OTHER SPECIFIC INFORMATION NECESSARY TO PUT INTO THE APPLICATION MAY BE
INCORPORATED HERE

I/WE HEREBY DECLARE THAT ALL THE PARTICULARS AND INFORMATION FURNISHED IN THE
APPLICATION FORM ARE TRUE, CORRECT AND COMPLETE AND UP-TO-DATE IN ALL RESPECTS.
WE HAVE NOT WITHHELD ANY INFORMATION. WE CONFIRM THAT I/WE HAVE HAD NO
INSOLVENCY PROCEEDINGS INITIATED AGAINST ME/US NOR HAVE WE EVER BEEN
ADJUDICATED INSOLVENT. WE ALSO AUTHORIZE BANK OF BARODA OR ITS AGENT TO MAKE
REFERENCES AND ENQUIRIES RELATIVE TO INFORMATION IN THIS APPLICATION WHICH BANK
OF BARODA CONSIDERS NECESSARY. WE ALSO AUTHORIZE BANK OF BARODA TO EXCHANGE,
SHARE, PART WITH ALL INFORMATION RELATING TO MY/OUR LOAN DETAILS AND REPAYMENT
HISTORY INFORMATION TO OTHER BANKS/FINANCIAL INSTITUTIONS/CREDIT
BUREAUS/AGENCIES AS MAY BE REQUIRED AND SHALL NOT HOLD BANK OF BARODA LIABLE
FOR USE OF THIS INFORMATION. WE UNDERTAKE TO INFORM BANK OF BARODA REGARDING
ANY CHANGE IN MY/OUR RESIDENCE/EMPLOYMENT/OCCUPATION/TRANSFER AND TO PROVIDE
ANY OTHER INFORMATION THAT BANK OF BARODA MAY REQUIRE. WE FURTHER AGREE THAT
MY/OUR LOAN SHALL BE GOVERNED BY THE RULES OF BANK OF BARODA WHICH MAY BE IN
FORCE FROM TIME TO TIME. BANK OF BARODA RESERVES THE RIGHT TO REJECT ANY
APPLICATION WITHOUT PROVIDING ANY REASON.

I/WE UNDERTAKE TO BEAR PROCESSING, SERVICE, ANS DOCUMENTATION CHARGES ETC.

STIPULATED BY THE BANK FROM TIME TO TIME. WE AGREE, NOTE AND UNDERSTAND THAT
BANK OF BARODA SHALL BE ENTITLED AT ITS SOLE DISCRETION TO CALL BACK,4THE
| P a ENTIRE
ge
LOAN/ADVANCE WHETHER DUE AND PAYABLE OR NOT AT ANY TIME WITHOUT ASSIGNING ANY
REASON AND ENFORCE ITS RIGHTS, REMEDIES AND, SECURITIES.

PLACE

DATE SIGNATURE OF SIGNATURE OF CO-

APPLICANT AND APPLICANT

I AM WILLING TO STAND AS GAURANTOR

 PLACE

DATE SIGNATURE OF GAURANTPR

Baroda Auto Loan Annexure -12

Most Important Terms & Conditions

Eligibility

 Salaried Employees
 Businessmen, professionals and Farmers
 Directors of Private and Public Limited companies, Proprietor of Proprietorship Firms, partners of
Partnership Firms.
 Corporates /Firms/Society/Trust/LLP etc (i.e. Partnership, private Limited, Public limited and Trust,
Society, LLP etc.)
 NRIs/PIOs

Eligibility based on Repayment Capacity: Total de ductions including proposed EMI should not
exceed

Salaried GMI less than Rs.50000 60%

5|Page

GMI Rs.50000 & above but less than 150000 70%

GMI Rs.150000 and above 80%

Others Average Annual Income(last 2 years) less than Rs.6 lacs 60%

Average Annual Income (last 2 years) is Rs.6.00 lacs and above 80%
 Maximum Limit : Rs.100 Lacs (For all categories)

Repayment Period : Maximum 84 months

Margin : 10% Margin on ‘On road price’ of the vehicle

Age :
Minimum: Borrower – 21 years, Co-applicant- 18 years

Maximum: Age of the applicant / co-applicant / guarantor + repayment period should not exceed 70
years

Security : Hypothecation of Vehicle financed

Insurance : Comprehensive Insurance of the Vehicle with Bank’s Clause

Rate of Interest
Rate of interest on car loan is based on CIBIL Bureau score of the applicant/co- applicant.
Minimum Cut off score is 725.
Concession in ROI: Concession of 0.25% in rate of interest on Car Loans to our existing Home Loans
borrowers who maintains a good track record of repayment without any overdue

Unified Processing Charges: 0.50% of Loan amount – Min: Rs.2,500/-, Max: Rs.10,000/-+GST

6|Page
Annexure 13 Form -135
(a) PARTICULARS TO BE SUPPLIED BY APPLICANT/ DIRECTORS/ PARTNERS/ PROP
GUARANTOR FOR ADVANCES

I GIVE BELOW THE PARTICULARS OF MYSELF, MY FAMILY AND MY ASSESSES & LIABILITIES
AS AT LATOUCHE ROAD, KANPUR.

NAME IN FULL
DATE OF BIRTH
NAME OF CO APPLICANT
DATE OF BIRTH CO APP
ADDRESS APPLICANT ADDRESS COAPPLICANT
PERMANENT ADDRESS
PRESENT ADDRESS
MOBILE NO
PAN NO
AADHAR NO

OCCUPATION / LINE OF BUSINESS

SINCE ESTABLISHED
IF IN SERVICE
NAME OF EMPLOYER
OFFICE ADDRESS
DESIGANTION
ANNUAL INCOME

DETAILS OF IMMOVABLE PROPERTIES (HELD IN OWN NAME / JOINT NAME):

NATURE OF LOCATION APPROXIMATE VALUE
PROPERTY
PLOT OF LAND

AGRICULTURE
LAND
HOUSE

OTHERS

PROPERTY
OWNERSHIP
ENCUMBERED/
UNENCUMBERED/
PARTIALLY
DETAILS OF MOVABLE PROPERTIES (HELD IN OWN NAME / JOINT NAME)

INVESTMEN POLICY NO. / REF NO. INSTITUTES / ORG VALUE OF

T INVESTMENT
LIC
POLICIES
SHARES /
DEBENTUR
ES

7|Page
 TERM
DEPOSITS
BONDS /
NSCS

DETAILS OF OTHER MOVABLE INVESTEMENTS (VEHICLE/ JWELLERY ETC.)

REG NO. / REF NO. TYPE OF INVESTMENT VALUE OF

INVESTEMENT
VEHICLE

CAPITAL
INVESTMEN
T
JEWELLERY
/
ORNAMENT
S

TOTAL VALUE OF ALL ASSETS RS.

DETAILS OF LOANS IN INDIVIDUAL NAME/FIRMS

NAME /COMPANY’S NAME:

PARTICULAR BANK/ NBFC PUPOSE REPAYMENT /EMI PRESENT

S OUTSTANDING
S
LOAN 1

LOAN 2

LOAN 3

GAURANTTE
E

DETAILS OF LEGAL HIERS

SR NAME OF LEGAL HIER RELATIONSHIP AGE PRESENT ADDRESS
NO
1
2
3
4

DETAILS OF NOMINATIONS

SR DESCRIPTION OF BANK / ACCOUNT MATURITY /

8|Page
NO ASSETS ORGANIZATION TERMINAL BENEFITS

IN SUPPORT OF MY ABOVE DECLARATION, I ENCLOSE

 BALANCE SHEET, PROFIT AND LOSS ACCOUNTS, TRADING

ACCOUNT, CAPITAL ACCOUNT (AUDITED/UNAUDITED).
 COPY OF EMPLOYMENT CERTIFICATED WITH DETAILS OF SALARY DRAWN.
 COPIES OF AGREEMENT/REVENUE RECORDS/SOCIETY CERTIFICATES
IN RESPECT OF LAND/ BUILDING/FLAT OWNED BY ME.
 COPIES OF INCOME TAX/WEALTH TAX RETURNS/ ASSESSMENT ORDER.
I DECLARE THAT.

 I AM/I AM NOT (TICK AS APPLICABLE) A DIRECTOR IN

/ANY BANK. THERE IS NO LITIGATION AGAINST ME OR THE
FIRM/ CO. IN WHICH I AM THE PROPRIETOR/ A PARTNER/ A
DIRECTOR.
 THE NAME OF THE FIRM /CO. OR THE NAME OF THE
PARTNERS/PROPRIETOR/DIRECTOR OF THE FIRM/ CO. IS NOT THE
CAUTION LIST OF RBI/ECGC.
 THE PROPRIETOR/PARTNERS/DIRECTORS OF THE FIRM/CO.
IS/ARE NOT THE DIRECTORS IN ANY CO- OPERATIVE BANK.
 I ALSO DECLARE THAT THE ABOVE INFORMATION IS COMPLETE, TRUE AND
CORRECT.

SIGNATURE OF THE APPLICANT /CO APPLICANT

ENCLS:

9|Page
ANNEXURE- 8 (a)
PART- A: FRAUD PREVENTION CHECKLIST TO BE KEPT WITH THE LOAN DOCUMENTS (Pre sanction Stage)

NAME OF BRANCH: NAME OF ACCOUNT:

S. NO. GUIDELINES COMPLIANCE COMMENTS OF
BRANCH HEAD
1 KYC COMPLIANCE DETAILS OF THE CONFIRMED OR ANY
DOCUMENT AND OTHER COMMENT
DATE OF
VERIFICATION
1.1 ADDRESS OF BORROWERS AND GUARANTORS VERIFIED YES
1.2 IDENTITY OF THE BORROWER /GUARANTOR VERIFIED YES

1.3 OCCUPATION AND ADDRESS OF WORKING PLACE YES

VERIFIED
2 PRE-SANCTION INSPECTION
2.1 DATE OF PRE SANCTION INSPECTION
2.2 NAME OF OFFICER WHO CARRIED OUT PRE SANCTION
INSPECTION AND THE DATE
2.3 WHETHER PRE-SANCTION INSPECTION REPORT KEPT ON YES
RECORD
2.4 WHETHER CIBIL VERIFICATION CARRIED OUT YES
2.5 WHETHER VERIFIED FROM ASCROM REPORT YES
2.6 WHETHER CREDIT RATING DONE AND THE SCORE IS YES
ABOVE THE CUTOFF POINT.
3 VERIFICATION OF ITR/ FORM NO. 16/ SALARY SLIPS
3.1 ITR VERIFIED FROM IT DEPT ON, (DATE) YES
3.2 FORM NO. 16 / SALARY SLIP VERIFIED FROM THE YES
EMPLOYERS RECORD (DATE OF VERIFICATION AND
NAME OF OFFICER)
4 VERIFICATION OF BANKING RELATIONSHIP
4.1 EXISTING LOAN ACCOUNTS OF THE BORROWER WITH YES
OUR BANK
/OTHER BANKS EXAMINED (YES /NO)
4.2 STATEMENT OF ACCOUNTS OF OTHER BANKS YES
OBTAINED AND EXAMINED AND NOTHING ADVERSE
FOUND (YES/NO)
5 VALUATION REPORT OF THE PROPERTY OFFERED AS NA
SECURITY OBTAINED AND THE SAME IS NOT MORE
THAN 3 YEARS OLD AND THERE IS NO ABNORMAL
INCREASE IN VALUE DURING LAST 3 YEARS. PLEASE
GIVE DATE OF VALUATION AND VALUE OF PROPERTY
6 LEGAL OPINION AND NEC FOR CREATION OF NA
MORTGAGE IS OBTAINED (YES/NO)
IF YES
6.1 WHETHER LEGAL OPINION IS IN PRESCRIBED FORMAT NA
ALSO GIVE THE DATE OF OPINION AND NEC
6.2 WHETHER ALL THE OBSERVATIONS /SUGGESTION OF NA
ADVOCATE ARE COMPLIED WITH
7 WHETHER DEVIATIONS IF ANY HAVE BEEN NA
APPROVED BY THE COMPETENT AUTHORITY
8 WHETHER DETAILED SANCTION LETTER ISSUED NA
PROVIDING THE INFORMATION ABOUT ALL TYPE OF
CHARGES E.G. PROCESSING CHARGES, REVIEW
CHARGES, LAD CHARGES, ETC.
8.1 WHETHER TERMS OF SANCTION HAVE BEEN ACCEPTED YES
BY THE BORROWER AND GUARANTOR BOTH
WE CONFIRM HAVING VERIFIED THE ABOVE INFORMATION.

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 (SIGNATURE OF BRANCH HEAD)

Annexure 09:
PRE-SANCTION VISIT REPORT FOR RETAIL LENDING

NAME OF THE APPLICANT

NAME OF CO- APPLICANT
RESIDENTIAL ADDRESS
OFFICE ADDRESS
PURPOSE OF LOAN
BARODA AUTO LOAN
NAME OF THE PRODUCT/
ARTICLE TO BE PURCHASED
NAME OF THE SUPPLIER
PRUCAHSE PRICE
GENUINESS OF QUOTATION YES
VERIFIED
DATE OF VISIT
PAN NO OF APPLICANT
AADHAR NO OF APPLICANT
ADDRESS PROOF VERIFIED BY

PLACE VISITED WITH

IDENTIFICATION LANDMARK

6. OCCUPATION OF APPLICANT (GIVE DETAILS)

SERVICE
NAME OF EMPLOYER
ADDRESS

DESIGNATION
WORKING SINCE
EMPLOYEE NO.
WHETHER CONFIRMED/ PROBATION / OR
ON

CONTRACT BASIS

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PHONE NO.
EMPLOYMENT
VERIFIED FROM
BUSINESS
NAME OF THE FIRM
ADDRESS
APPLICANTS POSITION
IN THE FIRM
ESTABLISHED SINCE
NATURE OF BUSINESS
MOBILE NO
SELF-EMPLOYED & PROFESSIONAL
OCCUPATION
OFFICE ADDRESS
MOBILE NO

12 | P a g e
INCOME DETAILS:
GROSS ANNUAL /
MONTHLY INCOME
INCOME VERIFIED FROM
NUMBER OF
DEPENDENTS
GROSS ANNUAL /
MONTHLY DEDUCTION
NET ANNUAL /
MONTHLY INCOME

11. PRESENT BANKERS

Name of the Branc h
Bank
Type of A/c A/c
No.
Details of A/c verified from Bank Statement/Pass Book (Copy obtained on
record)
Cheque returned – number of times:

12. LOAN OUTSTANDING WITH OUR BANK WITH OTHER BANK

Name of the Branch :
Type of Loan :
Amount Sanctioned : Rs.
Balance Outstanding : Rs.
Amount of Over dues ,if : Rs.
any
Asset Classification :

DETAILS OF THE PROPERTY TO BE PURCHASED

TYPE MAKE MODEL QUOTATION DEALER

OF AMOUT NAME
VEHICL
E

4
13 | P a g e
WHEEL
ER

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COMMENTS OF VISITING OFFICER
COMMENTS ON KYC
VERIFICATION

COMMENTS ON
ADDRESS VERIFICATION

COMMENTS IN INCOME
STABILITY

COMMENTS ON
REPAYMENT CAPICITY

COMMENTS ON
SERVICE/ BUSINESS

COMMENTS ON DUE
DILIGENCE

COMMENTS ON
GUARANTOR

COMMENTS ON
EXISTING RELATIONSHIP

15 | P a g e
COMMENTS ON FAMILY
BANK RELATIONSHIP

COMMENTS ON ASSETS
OF APPLICANT

COMMENTS ON MARKET
REPORT OF APPLICANT

ANY OTHER
OBSERVATION

DATE SIGNATURE OF
OFFCIER
PLACE NAME OF VISITING
OFFICER
EC NO

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 ANNEXURE – 8(b)

PART-B: FRAUD PREVENTION CHECKLIST TO BE KEPT WITH LOAN

DOCUMENTS
(Post Sanction

stage)

S. NO. GUIDELINES COMPLIANCE COMMENTS OF

BRANCH HEAD
1 ALL THE DOCUMENTS HAVE BEEN EXECUTED AS PER YES VERIFIED
TERMS OF SANCTION (DATE AND NAME OF THE
OFFICER IN WHOSE PRESENCE THE DOCUMENTS ARE
EXECUTED)
1.1 WHETHER PROPER MORTGAGE HAS BEEN CREATED NA VERIFIED
AS PER TERMS OF SANCTION ALONG WITH
COMPLETE CHAIN OF TITLE DEEDS AND RELEVANT
DOCUMENTS AS PER OPINION OF ADVOCATE.
1.2 WHETHER A NOTICE OF CREATION OF MORTGAGE NA VERIFIED
HAS BEEN SENT TO SUB-REGISTRAR/TALATI/
TEHSILDAR /REVENUE AUTHORITIES FOR NOTING
BANK’S LIEN OVER THE PROPERTY.
1.3 WHETHER DOCUMENTS HAVE BEEN VETTED BY YES VERIFIED
LEGAL ADVISOR OTHER THAN WHO HAS GIVEN NEC
(OR THE ZONAL LEGAL CELL AS THE CASE MAY BE
(DATE OF VETTING)
1.4 ALL THE OBSERVATION MADE IN DOCUMENT YES VERIFIED
VERIFICATION REPORT HAVE BEEN COMPLIED WITH
(YES /NO)
2 DISBURSEMENT OF LOAN VERIFIED

2.1 WHETHER PRE-DISBURSEMENT INSPECTION CARRIED YES VERIFIED

OUT AND
AUTHORITY FOR DISBURSEMENT FROM SANCTIONING
AUTHORITY OBTAINED
2.2 WHETHER DISBURSEMENT OF LOAN IS MADE YES VERIFIED
DIRECTLY TO THE BUILDER/SUPPLIER OF GOOD
2.3 DISBURSEMENT IS MADE BY DD/BC MENTIONING HIS YES VERIFIED
BANK ACCOUNT DETAILS AFTER VERIFICATIONS OF
THE CREDENTIALS OF THE BUILDER /SELLER/DEALER
OF THE GOODS TO BE SUPPLIED.
2.4 DULY ACKNOWLEDGED RECEIPT OF THE PAYMENT YES VERIFIED
MADE TO BUILDER/SELLER/ DEALER IS RECEIVED AND
KEPT ON RECORD.
3 POST DISBURSEMENT VERIFICATION: VERIFIED

3.1 NAME OF OFFICER CARRIED OUR POST VERIFIED

DISBURSEMENT INSPECTION/ASSET VERIFICATION AND
DATE OF VERIFICATION
3.2 WHETHER ANY ADVERSE FEATURE OBSERVED, IF YES NO VERIFIED
WHETHER NECESSARY STEPS INITIATED.
3.3 WHETHER INSURANCE COVER FOR SECURITIES YES VERIFIED
OBTAINED

WE CONFIRM HAVING VERIFIED THE ABOVE INFORMATION.

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(SIGNATURE OF BRANCH HEAD)

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Annexure 10:
BRANCH: LATOUCHE ROAD, KANPUR

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PERIODIC ASSET VERIFICATION REPORT (POST
DISBURSEMENT)-IN CASE OF RETAIL LOANS

20 | P a g e
NAME OF THE
APPLICANT

ADDRESS OF THE
APPLICANT

DATE OF VISIT

SANCTION DETAILS

PURPOSE OF LOAN

DATE OF SANCTION

AMOUNT OF
SANCTION

21 | P a g e

DETAILS OF LAST DISBURSEMENT MADE

DATE OF
DISBURSEMENT

AMOUNT OF
DISBURSEMENT

MODE OF
DISBURSEMENT

PRESENT
OUTSTADING

OVERDUE IF ANY

INVOICE RECEIVED

22 | P a g e

INSURANCE RECEIVED
M PARIVAHAN
CHECKED

REGISTRATION
OBTAINED

DETAILS OF PHYSICALLY VERIFIED VEHICLE

MAKE

MODEL

COLOUR

23 | P a g e

DESCRIPTION
SEATING CAPACITY
ENGINE NO
(SUPPORTING PHOTO)

CHASIS NO
(SUPPORTING PHOTO)

WHERE THE
INSPETION CARRIED
OUT

CONDITION OF
VEHICLE

DATE OF
DOCUMETATION

IS DOCUMANTATION
CORRECT
24 | P a g e

STATUS OF LEGAL
VETTING
COMMENTS OF VISITING OFFICER

25 | P a g e

DATE SIGNATURE OF
OFFCIER
PLACE NAME OF VISITING
OFFICER
EC NO
 DISBURSEMENT AUTHORITY TO BE OBTANIED BEFORE DISBURSEMENT
NAME OF THE BORROWER
CREDIT FACILITIES SANCTION BARODA AUTO LOAN
SL. NO. DETAILS OF FACILITIES EXISTING LIMIT INCREASED/ FRESH LIMIT
1 BARODA AUTO LOAN 0.00
2

SANCTIONING AUTHORITY CHIEF MANAGER

DETAILS OF SANCTION (INCLUDING MODIFICATION,
IF
ANY)
A. DATE OF SANCTION
B. VALIDITY OF SANCTION
C. SANCTION NO./ LETTER REFERENCE
NO.
LATEST CREDIT BUREAU REPORT (SHOULD NOT BE
OLDER THAN 10 DAYS) ALONG WITH ADVERSE
FEATURE, IF ANY SHOULD BE INCORPORATED

WE CLARIFY AS UNDER:
SL. POINTS OF COMPLIANCE REMARKS
1 -DOCUMENTATION & LEGAL VETTING
1A WHETHER FULL COMPLIANCE OF STIPULATED YES
TERMS AND CONDITIONS OF SANCTION
ENSURED?
1B WHETHER CLEAR ACKNOWLEDGEMENT WITH NA
DATE BY THE COMPANY FOR THE SANCTION
CONVEYED TO THEM.
1C i. DATE OF DOCUMENTATION 26 | P a g e
ii. CREATION/ EXTENSION OF MORTGAGE NA
DATE AFTER OBTAINING NEC FROM BANK’S
APPROVED LEGAL ADVISER
iii. REGISTRATION WITH SR OFFICE NA
(WHEREVER APPLICABLE)
iv. WHETHER VETTING OF DOCUMENTS IS YES
REQUIRED AS PER BANK’S NORMS?
v. IF YES, WHETHER THE VETTING HAS YES
BEEN DONE.
vi. DEFICIENCIES OBSERVED IN VETTING BE NA
 DESCRIBED IN SHORT
vii. DATE WHEN THE DEFICIENCIES HAVE NA
BEEN RECTIFIED
viii. WHETHER CHARGE UNDER CERSAI HAS NA
BEEN CREATED, IF SO THE DETAILS THEREOF
ix. WHETHER FILING OF CHARGE WITH ROC NA
HAS BEEN DONE?
x. IF SO DATE OF FILING AND TYPE OF NA
CHARGE CREATED
xi. VERIFICATION FROM MCA PORTAL NA
2- COMPLIANCE OF OTHER PRE- DISBURSEMENT
CONDITIONS
2A LATEST KYC DOCUMENTS OF ALL PROMOTERS YES
ALONG WITH THEIR COPY OF PASSPORT ON
RECORD
2B WHETHER ALL NECESSARY LICENSES, YES
PROVISIONS, CLEARANCES REQUIRED FOR
DOING THE BUSINESS OBTAINED BY THE
BORROWER?
2C i. WHETHER PRE-DISBURSEMENT YES
INSPECTION/ SITE VISITS DONE AND SATISFIED
UPON?
ii. DATE OF INSPECTION AND
OBSERVATION, IF ANY
2D ANY OTHER PRE-DISBURSEMENT CONDITION, IF NA
ANY AND IT COMPLIANCES
3- RECOVERY OF FEE & CHARGES
3A PROCESSING CHARGES RECOVERED
DATE OF
RECOVERY
AMOUNT
3B DOCUMENTS CHARGES
DATE OF
RECOVERY
AMOUNT
3C LEAD BANK CHARGES (IF APPLICABLE)
DATE OF
RECOVERY
AMOUNT
3D UPFRONT FEE
DATE OF
RECOVERY
AMOUNT
3E ANY OTHER FEE / CHARGES AS STIPULATED
DATE OF NA
RECOVERY
AMOUNT NA
3F RATE OF INTEREST FED IN FINACLE ( AS PER
TERMS OF SANCTION)
VALIDITY OF DISBURSEMENT AUTHORITY SIX MONTH FROM THE DATE ALLOWED FOR
DISBURSEMENT

27 | P a g e

RECOMMENDED FOR DISBURSEMENT APPROVAL FROM COMPETENT AUTHORITY

 CREDIT RATING - (CLEAN LOAN MODEL)
SL. EXPLANATION
NO VARIABLE SCORE OF VARIABLE MAX MIN
S
1 AGE OF BORROWER (IN YEARS)
A) 0-18 0 5 0
B) ABOVE 18- UPTO25 3
C) ABOVE 25- UPTO 42 5
D) ABOVE 42- UPTO 55 4
E) >55 0
2 EDUCATIONAL QUALIFICATION
A) DOCTORATE / POST GRADUATE 3 3 0
C) GRADUATE 2
D) DIPLOMA 1
E) HIGHER SECONDARY OR LESSER 0
3 MARITAL STATUS
A) MARRIED 2 2 1
B) SINGLE 1
4 MOBILITY OF INDIVIDUAL - LOCATION
HAS NOT CHANGED LOCATION IN PAST 3
A) YEARS 5 5 0

CHANGED LOCATION ONCE IN PAST 3

B) YEARS 3

CHANGED LOCATION MORE THAN ONCE IN

C) PAST 3 YEARS 0
INCLUDE THOSE WHO
ARE FINANCIALLY
DEPENDENT ON
5 NUMBER OF DEPENDENTS BORROWER

A) 0 4 4 0
B) 1 3
C) 2 1
D) >2 0
28 | P a g e
6 RELATIONSHIP WITH BANK
GOOD TRACK RECORD / ALL BANKING DONE
A) THROUGH BANK. 7 7 0
B) SHORT TERM RELATIONSHIP 1
C) NO EXISTING RELATIONSHIP 0
7 EMPLOYER TYPE
A) GOVT/PUBLIC SECTOR 3 3 -2
B) LISTED PRIVATE SECTOR COMPANIES 3
C) UNLISTED PRIVATE COMPANIES 2
D) MNC -2
E) PROFESSIONALS 1
F) OWN BUSINESS 2
G) SELF EMPLOYED 2
PENSIONERS DRAWING PENSION FROM
H) BANK OF BARODA 2
PENSIONERS DRAWING PENSION FROM
I) OTHERS 0
J) OTHERS 0

29 | P a g e
8 DESIGNATION
A) SENIOR MANAGEMENT 4 4 -1
B) MIDDLE MANAGEMENT 2
C) JUNIOR/ CLERICAL -1
D) SELF EMPLOYED / PENSIONERS 0
9 STABILITY OF INCOME
INCOME HAS BEEN STEADILY INCREASING
A) OVER THE LAST 3 YEARS 5 5 -5
INCOME HAS BEEN ALMOST THE SAME
B) OVER THE LAST 3 YEARS 2
INCOME HAS BEEN UNSTABLE OVER THE
C) LAST 3 YEARS -3
INCOME HAS BEEN STEADILY DECREASING
D) OVER THE LAST 3 YEARS -5
10 PROOF OF INCOME
A) INCOME TAX RETURNS 2 2 0
B) SALARY SLIP / COMPANY LETTERHEAD 1
C) NO PROOF 0
INCOME FROM ALL
DECLARED
SOURCES SHOULD
11 NET ANNUAL INCOME OF BORROWER BE INCLUDED

A) < 2 LAKHS 0 7 0
B) ABOVE 2.00 - UPTO 3.50 LAKHS 2
C) ABOVE 3.50 - UPTO 5.00 LAKHS 3
D) > 5 LAKHS 7
FIXED OBLIGATIONS
SHOULD INCLUDE
EXPENSES DUE TO
SERVICING OF
PROPOSED LOAN IN
ADDITION TO OTHER
FIXED OBLIGATIONS TO INCOME RATIO FIXED EXPENSES OF
12 OF BORROWER BORROWER

A) < 0.3 7 7 -3
B) ABOVE 0.30 - UPTO 0.50 5
C) ABOVE 0.50 - UPTO 0.70 1
D) > 0.7 -3
IF BORROWER / GUARANTOR IS ALSO A
13 GUARANTOR FOR SOMEONE ELSE
A) NO 1 1 -1
B) YES -1
SUM 55 -11

30 | P a g e
SCORE AND INVESTMENT GRADE (CUT OFF SCORE IS 30 & INVESTMENT GRADE IS CL7)

SCOR GRADE
E
0-23 CL10
24-26 CL9
27-29 CL8
30-32 CL7
33-35 CL6
36-38 CL5
39-41 CL4
42-44 CL3
45-47 CL2
48-55 CL1

31 | P a g e
 Checklist

(Check list to be an integral part of all Credit Proposals pertaining to

Retail Segment submitted for consideration to all the Sanctioning
Authorities/ Levels)
Name of the Account :
Branch :
Region / Zone :
Segment : Retail
Lending Scheme, if any :
Group if any :
Banking Arrangement : Sole /Multiple Lead Bank :
/Consortium
Exposure : FB NFB Total Lead BoB’s
(Rs. in Bank’ %share
lacs) s
%share
Existing :
Proposed :
Purpose of the proposal Fresh /Review /RWI/Modification /Restructuring/
Other (specify)
Sr. Particulars Whether Remarks, if any Proposal
No. ensured page ref.
(NA- Not if
applicable)
required
1. KYC Compliance : Yes /No /NA
a. Address of Borrowers : Yes /No /NA
and Guarantors
verified
b. Identity of the Borrower : Yes /No /NA
/Guarantor verified
c. Occupation and address of : Yes /No /NA
working place verified
2. Pre-Sanction Inspection : Yes /No /NA
a. Date of Pre sanction Inspection : Yes /No /NA
b. Name of Officer who carried out : Yes /No /NA
Pre Sanction Inspection and the
date
c. Whether Pre-Sanction : Yes /No /NA
Inspection Report kept
on record
3. Other due diligence :
a. Whether CIBIL / Credit Yes /No /NA
Bureau Report
verification carried out
b. Whether verified from ASCROM : Yes /No /NA
Report
c. Whether search/verification of : Yes /No /NA
the property has been done
through CERSAI portal.
Verification of ITR/ Form :
No. 16/ Salary Slips
d. ITR Verified (through approved : Yes /No /NA
CA)
e. Form No. 16 / Salary Slip : Yes /No /NA
verified
from the employers record
(Date of verification and name
of officer) Page 1 of
4
Verification of :
Banking
Relationship
f. Existing Loan Accounts of the : Yes /No /NA
borrower with our Bank /other
Banks examined (Yes /No)
g. Statement of : Yes /No /NA
Accounts of other
Banks obtained and examined
and nothing adverse found
(Yes/No)

4. Valuation Report of the : Yes /No /NA

Property Offered as security
obtained and the same is not
more than 3 years old and
 there is no abnormal increase
in value during last 3 years.
Please give Date of Valuation
and value of property.
5. Legal Opinion and NEC for : Yes /No /NA
creation of mortgage is
obtained (Yes/No)
a. Whether Legal Opinion is : Yes /No /NA
in prescribed format
also give the date
of opinion and NEC
b. Whether all the : Yes /No /NA
observations
/suggestion of advocate
are complied with
6. a. Whether Credit rating done in : Yes /No /NA
LAPS and the score is above the
cutoff point.
b. Whether processing of : Yes /No /NA
application is done through LAPS
only.
c. Whether Internal Credit Rating : Yes /No /NA
within Investment Grade (BOB-
6)?
d. Whether External Credit Carried : Yes /No /NA
out / Rating degraded
e. Whether within Exposure Norms : Yes /No /NA
(Single/Group)?
f. Whether prescribed Scheme : Yes /No /NA
Specific Eligibility Cap observed?
g. Whether comments on conduct : Yes /No /NA
of the group /Associate
accounts if any & review status
thereof incorporated?
h. Whether any major change in : Yes /No /NA
Borrower’s Constitution/
Organization Structure /Top
Management / Business /
Business
Module?
i. Whether assessment of credit : Yes /No /NA
limits done as per Scheme
Specific/
Bank’s General guidelines?
j. Whether any deviation from : Yes /No /NA
scheme/ policy norms e.g.
margin, income criteria,
repayment capacity, security
etc
k. Whether status of relevant : Yes /No /NA
Statutory Clearances/ Licenses if
any,
incorporated?
l. Whether Take over : Yes /No /NA
guidelines complied
with?
7. Whether Deviations if any have : Yes /No /NA
been
approved by the competent
authority
Page 2 of
8. Whether detailed Sanction : Yes /No /NA
4
Letter Issued providing the
information about all type of
Charges e.g. Processing
Charges, Review
Charges, LAD Charges, etc.
a. Whether terms of sanction : Yes /No /NA
have been accepted by the
borrower and guarantor both

9. Whether confirmation : Yes /No /NA

from
depositors/borrowers obtained
in case
of LABOD/ODBOD of
more than Rs.1.00 Crore.
10. All the Documents have been : Yes /No /NA
 executed as per terms of
sanction (Date and name of
the Officer in whose presence
the documents are
executed)
a. Whether proper Mortgage : Yes /No /NA
has been created as per terms
of sanction along with
complete chain of title deeds
and relevant documents as
per opinion of advocate.
b. In case of advances above : Yes /No /NA
Rs. One crore, whether Branch
Head has gone through the
entire Legal opinion and
valuation reports and
mortgage has been created
strictly as per opinion of the
advocate and after considering
all the remarks in
the report of the Advocate/
Valuer.
c. Whether a notice of creation : Yes /No /NA
of mortgage has been sent to
Sub- Registrar/Talati/ Tehsildar
/Revenue Authorities for
noting Bank’s lien over
the property.
d. Whether Documents have : Yes /No /NA
been vetted by Legal Advisor
other than who has given NEC
(or the Zonal Legal Cell as the
case may be (date
of vetting)
e. Allthe observation made in : Yes /No /NA
document verification report
have
been complied with (Yes /no)

f. Whether equitable : Yes /No /NA

mortgage has
been registered with CERSAI.

11. Disbursement of Loan

a. Whether pre-disbursement : Yes /No /NA
inspection carried out and
authority for disbursement
from sanctioning
authority obtained
b. Whether disbursement of : Yes / No /NA
loan is
made directly to the
Builder/Supplier of good

c. Disbursement is made by : Yes /No /NA

DD/BC mentioning his Bank
account details after
verifications of the credentials
Page 3 of
of the Builder /seller/Dealer of 4
the
goods to be supplied.
d. Duly acknowledged Receipt : Yes /No /NA
of the payment made to
builder/seller/ dealer is
received and kept on
record.
12. Post Disbursement Verification:
a. Name of Officer carried our Post : Yes /No /NA
Disbursement

Inspection/Asset Verification and

Date of verification
b. Whether any adverse : Yes /No /NA
feature
observed, if yes whether
necessary steps initiated.
c. Whether cover for : Yes /No /NA

Insurance
securities obtained
d. Name of Officer carried our Post : Yes /No /NA
Disbursement

Inspection/Asset Verification and

Date of verification
13. a. In case of Vehicle Loan, whether : Yes /No /NA
Bank’s hypothecation /charge is
noted with RTO and in case of
company whether charge has
been
filed with ROC.
b. Whether confirmation of : Yes /No /NA
authenticity
of RC obtained from RTO.
14. Whether observations made under : Yes /No /NA
Statutory Audit/ RBI Inspection/
Concurrent Audit/ Internal Audit
/Credit
Audit / Legal Audit taken care of?
15. Whether Credit Risk Evaluation at : Yes /No /NA
respective levels (e.g. CREC at
BCC) approval/ observations
obtained &
taken care of?
(Signature of sponsors
i.e. Other than
Committee
Members)
Name & Designation of
the
signatory

Place:
Date: