BANK OFBARODA (Head Office: Mandavi Baroda)
Branch : K G Marg New Delhi Sanction No.CURZON/2011-12/ Date : 13.06.2011 Account No : 06230600000_ _ _ Borrower Name and Address Nature of Facility Limit Sanctioned /Period/EMI ROI Purpose Date of Sanction Security Charged--Mr. Term Loan/ Housing Loan Rs. .00 Lacs/ months/ Rs % below BPLR now Base Rate + % i.e.,% at present Purchase of Flat DT Eqitable Mortgage of flat under construction TPA Period months/EMI Rs. p.m w.e.f. Rs.
Repayment Schedule Debit Balance Amount Overdue Position of Documents
dt.
Security last inspected
Whether all terms and conditions have been Yes complied with Comments of branch inspectors Branch comments Security documents are incomplete Documents completed PSR observations are not on record PSR observation compiled with now Latest income return is not obtained Letter written/send for submission Search report cum legal opinion as Gaur Sons Project approved & per Banks format for the last sanctioned by RLF raising numerous 30years not obtained flats financed by various branches Complete chain of original title Letter sent to R.O deeds & documents are not Now in completed obtained. B.R. is in our records Photo, mortgagor & the mortgaged property is not obtained Observation in the last ZIC inspection not mentioned in the review proposal Undertaking/TPA/Allotment letter/Sale deed, etc is not supported by copy of the Board Resolution Insurance Details Rs..0lac valid upto
Account may be further reviewed for 12 months Senior Manager (Credit) Reviewed as recommended for 12 months Chief Manager
BOB/ADV /CUR/ DATE 01-02-2011
The Dy Gen Manager Bank of Baroda, DMR-I Regional Office 16 Sansad Marg New Delhi Branch Region Dear Sir, Re: PSR A/C Mr.Anuj Gaur K GMarg DMR- I
Assets Classification: Standard
We enclose herewith appraisal note and proposal of the captioned a/c for the following credit decisions in the account taken on 10-12-2008 by the undersigned under own discretionary lending powers after taking care of procedural details with regard to credit appraisal sanction , the security aspects and documentation , monitoring etc. 1. No Sanction/ Review of credit facilities / limits: Nature of the credit facility Existing Limit Reviewed Limit Outstanding Overdue / Irregular
1. 2. No
Hsg Loan
Rs.
Rs.
Rs.
Rs.
Modification in the existing terms and conditions: Existing Terms and condition Nil Modified Terms and condition Nil
3. Confirmation of following action : NIL
We hereby report the position / facts as considered in course of our above said decision in regard to the points enumerated under the checklist for PSR (vide annexure 4 to the circular no CO:BR:92:170 dated 27.12.2000):-
No Particulars
Position /Facts as considered by the sanctioning authority
Observation of the PSR Authority ( To be filled in by PSR authority
3 4 5
Listing of directors / partners /proprietors, guarantors of captioned concern /associate/ group concern etc in the caution /defaulters list Growth in specific sector / trade /industry activity to which captioned a/c belongs to , is whether exponential in the concerned branch / Region/ Zone Reference of obtaining activity clearance (wherever required) Whether the above said credit decisions falls under the powers of the sanctioning authority Whether the assessment of limits has been done as per Banks guidelines Whether the accounts Health code Asset Classification and credit rating with our bank as well as with other banks/ F Is has been properly taken into account for arriving at the above said credit decision. Whether the latest financial performance ratios funds invested outside business etc. are satisfied upon . Whether there is any comment / qualification in the concerns latest auditors report which causes concern Whether terms and conditions are complied with Whether any major/adverse feature
No
No
N/A Yes Yes
Yes
Yes
No
9 10
YES
/ irregularity reported 11 Whether documents are in order and vetted as per banks extant guidelines Whether the assets/ charged to the bank inspected / verified securities are duly
No Yes
12
YES
Yours faithfully, ( Bhramar Saxena Chief Manager
Subject to and the following other observation if any of the PSR authority the PSR is noted. Other observation if any of the PSR authority:
P S R authority (Designation to be specified) Date of PSR noting:
