ASSIGNMENT DONE BY AKANKSHA SINGH19063, PALLAVI ROY19081

APPLICATION FOR HOUSING LOAN

ANDHRA BANK
( A GOVERNMENT OF INDIA UNDERTAKING) KOMPALLY Branch
Photo of Applicant 1 Photo of Applicant 2 Photo of Co-Obligant

FOR PURCHASE

FOR CONSTRUCTION

FOR REPAIRS

FOR EXTENSION

REQUEST FOR LOAN I / we request you to sanction a Housing Loan of Rs. 1500000 (Rupees in words)FIFTEEN LAKHS ONLY for construction / purchase of house / flat at CONSTRUCTION place. I / We am / are hereunder furnising the details Signature of the Applicants BIO-DATA FIRST APPLICANT Name : SUKHI DAS S/W/o :DHARAM DAS Date of Birth : 1-01-1958 Marital Status : Married Present Address H/2 RAIL KUNJ BHUBANESWAR ORISSA Sex : Male Signature of the Applicants BIO-DATA SECOND APPLICANT Name : RAM DAS S/W/o :KARAM DAS Date of Birth : 25-12-1980 Marital Status : Single Present Address RAMA NIVAS INFRONT OF ENGINEERING COLLEGE BHADRAK ORISSA
PAN No.4445561 Passport No. :2088 Driving Licence No. & Place of Issue Car No. :2322

Sex : Male

Permanent Address H/2 RAIL KUNJ BHUBANESWAR ORISSA

Permanent Address RAMA NIVAS INFRONT OF ENGINEERING COLLEGE BHADRAK ORISSA

IT Ward :7655 PP date of issue: 6-08-2008 Exp. Date :6-08-2018 5656 KOLKATA Credit Card No. : 67688 Bank AXIS BANK

PAN No. 3234123 Passport No. :2001 Driving Licence No. & Place of issue Car No. : 5355

IT Ward : 4544 PP date of issue 2-02-1999 Exp. Date :2-02-2029 2452 BHUBANESWAR Credit Card No. :231454 Bank ANDHRA BANK

EMPLOYMENT PARTICULARS Employer Full address Designation

EMPLOYMENT PARTICULARS Name of the Employer Full address Designation

EAST COAST RAILWAY E Co RAILWAY RAILKUNJ BBSR ASST COMMERCIAL MANAGER

BASIX BASIX BBSR AREA MANAGER

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Date of Joining the Service Age of retirement & Leftover Service Transferability

11TH NOVEMBER 1976 59

Transferable Transferable Not

Date of Joining the Service Age of retirement & Leftover Service Transferability

12TH MAY 2005 54

Transferable Not Transferable

SOURCES OF INCOME : I. Salary Particulars (enclose pay slip) Gross Salary Rs.6,70000 Net Salary Rs.5,42000 Rental Income Rs. NIL Buss. Income Rs. NIL Other Income Rs. NIL Invesments Rs. 100000 II. INCOME FROM OTHER SOURCES : Source Income per Annum NIL

SOURCES OF INCOME : I. Salary Particulars (enclose pay slip) Gross Salary Rs.5,50000 Net Salary Rs.4,75000 Rental Income Rs. 10000 Buss. Income Rs. NIL Other Income Rs. NIL Invesments Rs. 200000 II. INCOME FROM OTHER SOURCES : Source Income per Annum NIL

BIO-DATE OF Name : SATENDRA DAS S/W/o : HARIKISHAN DAS Date of Birth : 14TH OCT 1978 Sex: Male Marital Status : Married Presesent Address HIGH TECH CITY BENGALURU Email :dipudas@gmail.com Permanent Address RAMA NIVAS INFRONT OF ENGINEERING COLLEGE BHADRAK ORISSA

CO-OBLIGANT
EMPLOYMENT PARTICULARS Name of the Employer Full Address Designation Date of Joining the Service Age of retirement & Leftover Service Transferability Transferable

SAP WORLD SAP WORLD BENGALURU SAP CONSULTANT 12TH JAN 2006 52

Email :
Pan No. 45357787 Passport No. :

45677
Driving Licence No. & Place of Issue Car No. : NO

IT Ward : IT PP date of issue 12TH JAN 2008 Exp. Date : 12TH JAN 2018

II. INCOME FROM OTHER SOURCES : Source Income per Annum NIL

34453
Credit Card No. :467688 Bank :SBI

SOURCES OF INCOME :

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I. Salary Particulars (enclose pay slip) Gross Salary Rs.870000 Net Salary Rs.789000 Rental Income Rs.NIL Buss. Income Rs.NIL Other Income Rs.NIL Invesments Rs.100000 I hereby give consent to stand as the Coobligant / Guarantoor for the loan applied by Mr. DEEPAK RANJAN DAS Signature of the Guarantor / Co-obligant Date :

III) FOR CONSTRUCTION HOUSE Location : Door No. : H/2 Street :RAILKUNJ Land Marks : RAILWAY COLONY City / Town : BHUBANESWAR PIN Code :700015

DECLARATION : I / We hereby declare that all the particulars and information given in this application are true, correct and compete and that they shall form the basis of any loan the bank may decide to grant me / us. I further agree that the loan shall be governed by

PARTICULARS OF TITLE : I am the owner of the said plot and I have purchased the plot from Mr SRIDHAR in the year 2010 under a registered sale deed dated 22TH FEB 2006 for a consideration of Rs. 12 LAKHS ONLY ENCUMBRANCES :

the rules of the Bank, which may be in force from time to time. I agree to invest my share first and start construction. I will complete the construction within one year of availing the loan. If there is any price escalation it will be met from my own sources.

There are no dues towards municipal taxes etc. NO There are no encumbrances over the property. NO
Signature of the applicant

The property is mortgaged to NO.. and SUKHI DAS

an amount of Rs. NO.. is outstanding. PLAN & OTHER APPROVALS : The plan is approved by competent authority : Yes Date of approval : 21-02-2012 and valid upto 21-02-20 Necessary approvals obtained from : Place : BHUBANESWAR Date : 12-01-2012

i) ii)

State Electricity Board : Yes No Water Board : Yes No

ESTIMATED COST OF CONSTRUCTION : 1500000 Estimated cost Cost of Construction Rs.

834 per Sq.ft.

SOURCES OF FUNDS FOR CONSTRUCTION/PURCHASE 1. OWN FUNDS : a. Savings :

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b. ALREADY SPENT : 2. LOANS FUNDS : a. FRIENDS : b. EMPLOYER : 3. FUNDS FROM OTHER SOURCES : (Please specify the source) 4. LOAN FROM BANK : ANDHRA BANK ___________________________ ___________________________ REPAYMENT :
I PROPOSED TO REPAY THE LOAN AT

Rs. 20000 P.M.

IN 78 NUMBER OF EQUATED MONTHLY INSTALMENTS.

PARTICULARS OF FIRST APPLICANT

FAMILY PARTICULARS

Name

Date of Birth

Age & Address & Phone RelationNumber ship H/2 RAIL KUNJ BHUBANESWAR ORISSA WIFE H/2 RAIL KUNJ BHUBANESWAR ORISSA SON

Annual Income

PAN Number

Details of Bank Accounts Bank Branch Savings

SUMATI DAS

10-101964 11-111993

NIL

NIL

SAI SUBHANKAR

NIL

NIL

Particulars of Bank

Name of the Bank ANDHRA BANK

Address of the Branch with Phone No. ANDHRA BANK, RAILKUNJ BBSR

Type of A/c. EMPLOYEES A/C

Account No. 234522

Particulars of fixed assets of the borrower NAME OF THE OWNER DESCRIPTION LOCATION WITH ENCUMBRANCES DOOR/SURVEY NOS. PRESENT VALUE

SUKHI DAS SUKHI DAS

CAR LAND

300000 1000000

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Particulars of liquid assets NAME OF THE OWNER NATURE OF ASSET VALUE OF THE ASSET MATURITY VALUE & DATE ENCUMBRANCES

SUKHI DAS

FINANCIALBONDS

200000

12-11-2015

Signature : PALLAVI Date :10: 01:2012

PARTICULARS OF SECOND APPLICANT

FAMILY PARTICULARS

Name

Date of Birth

Age & Address & Phone RelationNumber ship

Annual Income

PAN Number

Details of Bank Accounts Bank Branch Savings

Particulars of Bank

Name of the Bank AXIS BANK

Address of the Branch with Phone No. AXIS BANK CHANDRASEKHARPUR BBSR

Type of A/c. SAVINGS A/C

Account No. 453464

Particulars of fixed assets of the borrower NAME OF THE OWNER DESCRIPTION LOCATION WITH ENCUMBRANCES DOOR/SURVEY NOS. PRESENT VALUE

HARI HARA DAS SAI RANJAN DAS

FIXED ASSETLAND FIXED ASSET- CAR

BHADRAK BHADRAK

160000 240000

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Particulars of liquid assets NAME OF THE OWNER NATURE OF ASSET VALUE OF THE ASSET MATURITY VALUE & DATE ENCUMBRANCES

SHARES

FINANCIAL

200000

ANY TIME

Signature : ADYASHA Date : 10:01:2012

PARTICULARS OF CO-OBLIGANT
FAMILY PARTICULARS

Name

Date of Birth 12-021987

Age & Address & Phone RelationNumber ship WIFE 9967686890

Annual Income NIL

PAN Number NIL

Details of Bank Accounts Bank NIL Branch NNIL Savings NIL

SAMIKHYA

Particulars of Bank

Name of the Bank

Address of the Branch with Phone No.

Type of A/c.

Account No.

Particulars of fixed assets of the borrower NAME OF THE OWNER DESCRIPTION LOCATION WITH ENCUMBRANCES DOOR/SURVEY NOS. PRESENT VALUE

DEEPAK RANJAN DAS

FIXED ASSET BUILDING

BHADRAK

2500000

Particulars of liquid assets

49

NAME OF THE OWNER

NATURE OF ASSET

VALUE OF THE ASSET

MATURITY VALUE & DATE

ENCUMBRANCES

Signature :ADYASHA ANDHRA BANK Date :

FOR OFFICE USE ONLY

PROCESSING NOTE FOR HOUSING LOAN SUBJECT : PROPOSAL FOR SANCTION OF HOUSING LOAN OFFICE NOTE No. 24356 DATE :22-01-2012

DATE OF RECEIPT OF THE APPLICATION : I have visited the site on ___RAIL KUNJ____________. It is with in the Municipal Limits. The information furnished in the application has been verified. We submit the following information in this connection. Name : RABI NARAYAN DAS S/W/o :SUKHDEV DAS 1. Name of the Applicant 1 Date of Birth : 13-07-1959 Marital Status : Married Age Worth as on Basis source for arriving worth Present Residential Address H/2 RAIL KUNJ BHUBANESWAR ORISSA 53 1500000 Sex : Male

Occupation Banking with us since 2. OCCUPATION PARTICULARS Name of the Organisation Designation Employed Since

ASSISTANT COMMERCIAL MANAGER 15 YEARS

EAST COAST RAILWAY ASSISTANT COMMERCIAL MANAGER 11TH NOV 1976

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Left over Service Office Address E Co RAILWAY RAILKUNJ BBSR

3.

INCOME DETAILS From Salary From Business From Agriculture Other Income, if any Total Income Nature of proof submitted Full particulars properties, if any of immovable 670000 NIL NIL NIL 770000 INCOME STATEMENT YES, BONDS

4.

FULL PARTICULARS OF THE APPLICANT 2

BIO-DATA SECOND APPLICANT Name : SAI RANJAN DAS S/W/o :HARI HARA DAS Date of Birth : 6-04-1983 Marital Status : Single Permanent Address Age 29 RAMA NIVAS INFRONT OF ENGINEERING COLLEGE BHADRAK ORISSA 600000 FIXED ASSETS RAMA NIVAS INFRONT OF ENGINEERING COLLEGE BHADRAK Sex : Male

Worth as on Basis / source for arriving at worth

Present Residential Address

Permanent Residential Address

RAMA NIVAS INFRONT OF ENGINEERING COLLEGE BHADRAK

51

OCCUPATION PARTICULARS Name of the Organisation Designation Employed Since Left over Service INCOME DETAILS I. Salary Particulars (enclose pay slip) Gross Salary Rs.5,50000 Net Salary Rs.4,75000 Rental Income Rs. 10000 Buss. Income Rs. NIL Other Income Rs. NIL Invesments Rs. 200000 BASIX AREA MANAGER 12TH MAY 2005 52 YEARS

From Salary

From Business From Agriculture Other income, if any Total Income Natue of proof submitted Full particulars of immovable properties, if any 760000 SALARY STATEMENT. INCOME TAX PAID

Name : SATENDRA DAS 4 . B S/W/o : HARIKISHAN DAS FULL PARTICULARS OF COOBLIGANT / GUARANTOR THE Date of Birth : 14TH OCT 1978 Sex: Male Marital Status : Married Presesent Address Age 33 HIGH TECH CITY BENGALURU Email :dipudas@gmail.com I. Salary Particulars (enclose pay slip) Gross Salary Rs.870000 Net Salary Rs.789000 Rental Income Rs.NIL Buss. Income Rs.NIL Other Income Rs.NIL Invesments Rs.100000

Worth as on

Basis / source for arriving at worth

52

Present Residential Address

HIGH TECH CITY BENGALURU

Permanent Residential Address

RAMA NIVAS INFRONT OF ENGINEERING COLLEGE BHADRAK

OCCUPATIONAL PARTICULARS Name of the Organisation Designation Employed Since Left over Service Office Address INCOME DETAILS From Salary From Agriculture Other Income, if any Total Income Nature of proof submitted Full particulars of immovable properties, if any FAMILY BACKGROUND OF THE APPLICANT (Members living with the applicant) Name Relationship Age Occupation Annual Income Tax details, income slip Rs.870000 SAP WORLD SAP CONSULTANT 12TH JAN 2006 48 SAP WORLD BENGALURU

DETAILS OF TITLE OF SITE / HOUSE

Place of construction

Urban

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Location address of the site Verified the original title deeds/agreement to sale Are the title deeds acceptable, as per legal opinion Availability of link documents Whether legal opinion obtained from approved lawyer Plan approved By ON : 23RD DEC 2010 Year of construction, in case of out-right purchase Encumbrance Certificate (EC) obtained Availability of facilities : Electricity Dringing Water Drainage Raods Area of the site Built up area of the House Estimates prepared by engineer submitted Estimated cost of construction (Cost of flat as per the agreement to sale) Cost of construction is reasonable and in accordance with the local prevailing rates. Total cost of construction of building/flat/construction Cost of Site : Market Value Original Cost

E/74 rail kunj chandrasekharpur, hubaneswar YES YES YES Clear & marketable MUNICIPAL CORPORATION BHUBANESWAR VALID UPTO : 23RD JAN 2011 2002 From : DEC 2011 YES YES YES YES RAILKUNJ BBHUBANESWAR RAILKUNJ BHUBANESWAR YES 1500000 YES 23 RD DEC 2010 To 23 RD

2500000 2500000 2000000

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Loan applied for Maximum loan eligible Margin to be met by the applicant Can the applicant meet the margin and complete the construction within 12 months

1500000 1350000

YES

Income of the applicant from all sources per month Repayment period Equated Monthly Instalment recommended Net monthly income before instalment % of monthly instalment to monthly income Primary security

45,616 78 MONTHS 20000 45,616 43.844% INCOME AS GOVERNMENT EMPLOYEE

Guarantor / Coobligant Additional securities offered, if any,

LAND LAND, CAR , JOB OF THE GUARANTER

Past dealings with the branch

YES

CALCULATION OF ELIGIBLE LOAN AMOUNT Estimated Cost of construction / purchase 75% of estimated cost of construction Expected rent per month Rs . 1500000 Rs . 1125000 Rs. 20000

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SALARIED PERSONS

AGRICULTURALIST Annual income as per certificate issued by Competent Revenue Authority, supported by evidence of land holdings) 12 times of 50% expected monthly rent Total annual income (B+C) Three times annual income (3 x E) ELIGIBLE LOAN AMOUNT (Lower of A & F) BUSINESS & SELF EMPLOYED 16684.4 Income for the last THREE years as per IT returns / assessment orders / auditor certificates 1st Year 2nd Year 3rd Year Total 15% of the gross income 100500 12 times of 50% expected monthly rent 20000 per month Total annual income (B+C) THREE times annual income ELIGIBLE LOAN AMOUNT (Lower of A & E) Average (B)

Gross monthly income

Rs. 45616

(B)

50% of expected rent

Rs. 10000

(C)

Total monthly income

Rs.55616

(E)

36 times of total monthly income

Rs.2002176

(F)

ELIGIBLE LOAN AMOUNT (Lower of A & C) Computation of 30% of Salary

Rs 45616

30% of salary certificate Add

as

per

latest

salary

(i) Income Tax deduction as per salary certificate OR eligible exemption which ever is lower.

(ii) instalment of the loans availed by the applicant which will be fully repaid during the construction period / Purchase of house / flat PROOF TO BE KEPT ON RECORD

(C)

(D) (E) (D)

Considering the above facts we may consider sanction of housing loan as detailed hereunder : Facility Purpose Limit Housing Loan For construction of house 90%

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Margin Rate of Interest Repayment Gestation period / Construction period Coobligant / Guarantor Primary Security

150000 10.75+11.25 % = 22% (PTLR = 11.25 %) Repayable in 78 equated monthly instalments of Rs. 20000 12 MonthS

LAND CAR AND JOB OF THE COOBLIGANT

LETTER BY THE BANKER TO THE APPLICANT

22/01/2012 FROM: ANDHRA BANK RAIL KUNJ, BHUBANESWAR TO: RABI NARAYAN DAS ASSISTANT COMMERCIAL MANAGER, RAILWAYS SUBJECT: CONFIRMING THE HOUSING LOAN FOR CONSTRUCTION PURPOSE Sir, This is inform you that your appeal for loan has been sanctioned.We confirm the following details regarding Rabi narayan das s loan with us: Account number: 234522 Balance owing: 1350000 + int Monthly repayments: 20000 The loan has to be paid on time during the 78 months of duration starting from march 12th 2012 Should you require any additional information please do not hesitate to contact us on 02 0000 0000. Regards,

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Pallavi General manager Andhra bank Rail kunj, Bhubaneswar 700015

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