CASE 1 Gross Weight Net Loan (gms) Est weight weight Rate Eligibility 300 30 270 1715.73 463246.

4 OR

S.no Desc Purity 1 Jewellery 18 carat

Purpose Not known Valuation Processing fee 4.6 Lacs Rs PS 250 Rs Appraiser fee NPS 500 Rs 2316.232 hence 500 Rs Documentatiom Precaution Application form-Annexure A If for crop - Hypo of crop or oth Declaration for the purpose of advance , declaring his/her ownership Jewlry movement register Undertaking -Indemnity form from customer Keep Xerox copies of Annex D w DP Note - A1/A2 No part releasing of jewellery Letter of Waiver - A47 all jewellery should be brought Appraiser's Certificate - D No CC Letter of Pledge of glod ornaments - Annex E Amt disb in SB and not in cash Letter regarding repayment of loan as per annex - F Direct Agri/Other PS - relevant Gold Loan Card - Annex D2 Repayment Period ST Crop Loan - Agri (PS) - Bullet repayment linked with harvest season - max tenure 1 year (int hy) rests ST Loan - Agri & Allied (PS) - Bullet repayment linked with harvest season - max tenure 2 year (int hy serviced hy) ST Loan - Other PS - Bullet repayment of principal in lumpsum after 2years (int monthly) rests service hy rests NPS Adv - Other PS - Bullet repayment of principal in lumpsum after 2years (int monthly) rests serviced hy rests

CASE 2 Gross Weight (gms)

S.no Desc Purity 1 Gold Coin 24

Net Loan Est weight weight Rate Eligibility 50 0 50 2287.64 114381.8 OR

Purpose Not known Valuation Processing fee 1.1 lacs PS Appraiser fee NPS 571.9091 hence 500 Rs Documentatiom Application form-Annexure A Declaration for the purpose of advance , declaring his/her ownership Undertaking -Indemnity form from customer DP Note - A1/A2

250 Rs 500 Rs

Letter of Waiver - A47 Appraiser's Certificate - D Letter of Pledge of glod ornaments - Annex E Letter regarding repayment of loan as per annex - F Gold Loan Card - Annex D2 A-109 ( term loan agreement) Undertaking for salary deduction of installments till full repayment of gold loan along with interest Repayment Period 60 EMI deductible from salary of employee

4.6 lacs Rs. carat carat 22 rate 18 rate 2097 1715.727

Precaution If for crop - Hypo of crop or other assets as available Jewlry movement register Keep Xerox copies of Annex D which can be provided to customer upon written request from borrower No part releasing of jewellery all jewellery should be brought in single lot Amt disb in SB and not in cash Direct Agri/Other PS - relevant doc eviencing activity

ax tenure 1 year (int hy) rests - max tenure 2 year (int hy serviced hy) rests rs (int monthly) rests service hy rests rs (int monthly) rests serviced hy rests

1.1 lacs Rs. carat carat 22 rate 24 rate 2097 2287.636

purity purity Precaution 40 % clause Officer Clerical SubORdinate

100 carat 99.99

24 24.00

2.00 lacs 1.00 lacs 0.50 lacs

old loan along with interest

If for crop - Hypo of crop or other assets as available Jewlry movement register Keep Xerox copies of Annex D which can be provided to customer upon written request from borrower No part releasing of jewellery all jewellery should be brought in single lot No CC Amt disb in SB and not in cash Direct Agri/Other PS - relevant doc eviencing activity

Rs Rs

Rs Rs

customer upon written request from borrower