Sr.No.
416413
18/10000
Price Rs.forms/S.+E./1-2020
50/-
APPLICATION FOR INDIVIDUALS
GST Applicants)
LOAN Individual
(For A11 Loans including Housing Loans, of any amenount from
Date:
To,
The Managing Director,
ABHYUDAYA Co.oP, BANK LTD.
K.K.Tower, OfY. G. D. Ambekar Mark
Parel Village, Mumbai-400 012.
Sir, (Rupees
I/ We hereby apply for a loan of .
repayable in
from the Bank, of
required for the purpose
monthly installments including interest. The loan is
record.
reference and
documents for your the following
I/We am/are enclosing all necessary furnishing
I/We am/are also
Kindly sanction me/ /us the loan as above.
information to you: Co-Applicant
Middle Name
1. Particulars Applicant Middle Name Surname
First Name
Surname First Name
Name in Full
Is Borrower is
known by any
other name in the
past? If yes, Name:
Borrower's
Father'sName
Photograph
Photograph
Photograph/s
Female Third Gender
Third Gender Male
Male Female
Sex
Relationship with - N.A
Applicant
Date of Birth
Membership No.
Nationality
Aadhaar (UID) No.
Passport No. &
Issue Office.
Passport Expiry
Date
E-mail Address
PAN No.
ST NT OBC GEN SC ST NT OBC GEN
Religion & Caste SC
Ownership Rental Pagadi
Ownership Rental Pagadi
Residence Status
Area (Sq.Ft.)
Residential
Address
Pin Code:
Pin Code:
Tel. Nos. Resi.
Mobile
2
Native Place
Address:
Pin Code:
Pin Code:
Educational
Qualification
Name & Address of
the Employer/
Business
Tel. No. Tel. No.
Business Place Ownership Rental Pagadi Ownership Rental Pagadi
No. of years in
Business/ Service
Designation in
Service
Type of Business
(Nature of Job)
Gross Salary /
Income p.m. (.)
Net Salary/ Income
p.m.(R.)
Income Tax Paid (.)
2. Details of Applicant's Family members:
Name Date of Birth/Age
a) Spouse
b) Children
1
iii)
Other Legal
Heirs- Father
Mother
3. Accounts Details:
Applicant Co-Applicant
Abhyudaya Co-op. Bank Ltd. Abhyudaya Co-op. Bank Ltd.
Br. Br
A<c Nos. Alc Nos.
Other Bank Accounts Other Bank Accounts
(Bank, Branch & A/c Nos.) (Bank, Branch & A/c Nos.)
4. Details of all Associate Concerns: (R. in Lakh)
Name Nature of Bankers Facility
Constitution
Business Enjoyed
5. Details of loans & Advances Banks/Financial Institutions/
Credit Societies, if any: availed from Other (. in Lakh)
Name of the
Amt. Date of Amount
Loanee Sanctioned Bank & Branch/ Fin. Institute
sanction
Outstanding
/We am/are not enjoying any credit OR undertake to
inform you promptly as and whenfacilities with any other Bank/Branch of your Bank and other
credit facility /ies is/are availed by mels from any
Banks/ Branches of your Bank.
6. Securities:
(A) Prime (Purchase of Flat/House)/Mortgage of Immovable Property:
Particulars of Property
(Full Details)
Area (Sq. ft.)
Purchased on
Agreenment Value (Rs.)
Builder/Vendor's Name
Ready/ Under Construction
Present Value as per the
Valuation Report of M/s Dated:
Market Value:. Lakh
Distress Value:. Lakh
Whether 3rd Party is If Yes, Details of Lease/L&L:
occupying the said property? Yes/No
Date of Expiry of Lease/ L&L:
If yes, Name of the
Occupier
(B) Collateral Securities (3. in Lakh)
Face Value Present Value Own/ThirdParty
LIC(Surrender Value)
NSC/KVP
FDR
Total
7. Details of Purpose/Projected Cost/Budget: ( . in Lakh)
Total Supplier/ Contractor/Seller Advance paid Amt. Applied
Particulars Cost/Amount
Purchase of Flat /
House
Machinery/ ies
Vehicle/s
Purchase of Gala/
Shop/ Office etc.
House Repairs
Total
8. Total Cost/Budget:
Total cost/ budget
Loan applied
Margin Money Required
Balance in Account
Advance Paid
Deficit, if any
Arrangements made to raise deficit amnount:
4
9. DEBT SERVICE COVERAGE RATIO
(DSCR)For Loans above Rs. 15.00 Lakh (Except
Educational Loans to Students): Housing|
(Rs. in Lakh)
Years 20 20 20 20 20 20 20
1. Net Profit after Tax
2. Depreciation
3. Interest on Term LoAn
4. Cash Accruals (1 + 2 + 3)
5. Term Loan Installment
6. Int. on Term Loan
7. Total Repayment (5 + 6)
8. DSCR (4/7)
9. Average DSCR
10. I/ We am/are offering the
Guarantee of:
i) Mr/Ms:
ii) Mr/ Ms:
Their consent letters are enclosed.
11. I/We declare/undertake that
a) Uwe hereby declare that I/ Weam/are not relative/s of any Director of Abhyudaya Co-op Bank Ltd
as specified in the guidelines of Reserve Banlk of India. I/We further confirm and declare that no
Partner/Director/Trustee in our firm/ concern is a relative of any Director of the Abhyudaya Co-op
Bank Ltd nor any of our relatives has any benefcial interest or control in the affairs of any irm or
concern in which Director of Abhyudaya Co-op Bank Ltd, is involved or interested.
OR
I/We am/are the relative/s of Director Shri/Smt.
of Abhyudaya Co-op Bank Ltd as (Relationship).
b) I/We am/are the resident/s of India and hereby certify that all the information furnished by me/us
is true and correct. No legal action has been/is being taken/initiated against me/us by any lending
institution/Bank.
c) I/We have paid all our Statutory Dues to the respective authorities and no dues/claims are pending
/to be paid to/with any of the authorities tl date.
d) I/We shall furnish all other information that may be required by you in this connection with my/ our
application. We also authorize you to exchange the information with any agency you may deem ft.
e) You, your representative, or any other person/s authorized by you, may at any time, inspect/verify
our assets, books of accounts, details/information provided by me/us etc. in factory/business
premises/residence or office of Employer, without prior information to me/us.
) I/We agree to display the Bank's Name Board with wordings, "Goods hypothecated to/We are
banking with Abhyudaya Co-op. Bank Ltd." at a prominent place in my/our Office/ Gala/ Factory/
Business place and on Securities mortgaged/hypothecated to you.
g) I/We hereby undertake to operate my accounts exclusively with your Bank and will not
hypothecate/mortgage securities offered to you to any other Bank/Financial institution and avail
any loan/facilities from any other Financial Institution/Bank.
h) I/We give our consent to the Bank for submitting information about the details of al my/our Credit
facilities to Reserve Bank of India, Indian Banks' Association, Any Credit Information Agencies and
other Authorities. I/We also give consent to the Bank to share the information about all my/our
accounts with any other Banks/Institutions.
i I/We shall abide by the terms and conditions of the sanction of Loan, nconditionally and pay all
the charges and interest amount that may be charged from time to time.
T/We understand and know that the Bank's decision is final whether to reiect/ sanction/ sanction in
part the amount of Loan/Banking facilities applied by me/us without assisning ang reason. The
Bank shall reserve all the rights to call back the finance at any time in case it is found that any of
the information given by me/us in this application is found to be false
k) I/We also confirm that I/we have perused the List of Bank Charges/ Fees pavable by me /us,
which is available with Branch and aware of the charges/ fees payable by me/us.
Signature Verified by
Name:
Staff No.
(Mr/Ms
(Mr/ Ms:
(Applicant) (Co-Applicant)
5
Check ist for
Documents
(Wherever copies are submitted alongDocuments
to be
with the Loan Application
Sr.
submitted, please bring originals for verification)
No. Name of Document Whether If not submitted, reason for
submitted Non-submission
(Yes/No)
AppliCard/NREGA
1.
cant/Co-ApplDrivingicJobantLicence/Card/Aadhaar
*Passport/ Voter's ID
Card (Copy of any one)
2 Salary slips & Copy of Form No. 16
3. Income Statements for 2 years (All)
4 Purpose Proof (Quotation/
Declaration/ etc.)
5. Statement/s of all Bank Account/s
for last I year.
6
3Photographs
7 Copy of PAN Card
Surety-I
1 *Copy of any one of KYC as above
2 Salary slip/Form No. 16
3. Income Statements
4. Signature Verification from Bank
5. 1Photograph
Surety-II
1. *Copy of any one of KYC as above
2. Salary slip/Form No. 16
3. Income Statements
4. Signature Verification from Bank
5. 1Photograph
security.
where properties are offered as
Other Documents to be submitted Mortgagebility Checking Report
(Other documents if any, shall be submitted as per
verification of Mortgage-ability of the property)
after
Sale
1 Original Agreement for
Receipt
2 Original Registration
Plan & CC
3. Copy ofApproved
Society/
NOCfrom Builder/
4. MHADA/CIDCO
Occupation Certificate
Copy of
Certificate ofSociety
5.
6. Copy of Regn.
Paymnent
7. Original Receipts of
Title Clearance Certificate
8.
Valuation Certificate
9 documents
chain
10. Previous original .
OriginalPossession Letter
11.
6
NOTES :
1 rhe list of Service Charges/ Fees and Share
charges payable by the Applicants (which are
Subiect to change from time to time) is displayed/available in the Branches of Bank and als0
displaved in the website of the Bank i.e.
reauested to peruse /confirm thesame before www.abhyudayabank.co.in. The Applicants are
applying for any credit facilities with the Bank.
Al new/Takeover proposals/Project LOans abOve Rs.
Rducation loans are required to pay processing charges 10.00 Lakh excluding Housing Loans/
in advance at Branches/Zonal
Offices.
3. AU Processing Charges will be collected at the time of
acceptance of new applications and
adjusted towards service charges if the facility is sanctioned.
4 In case of renewal/enhancement of CC/BD etc. Service
Charges will be only on enhanced
limit In case of WCTL/ STCL (if sanctioned for a period less
than one year) & TOD, Service
Charges willbe for the proportionate period (month- wise).
5 No prepayment charges will be levied.
6 Rateof Interest is floating unless otherwise specified and will be
halance in the said account from time to time with monthly rests tocalculated on the daily debit
be taken and such interest
to be paid on or before 15" of eachmonth.
7 The rate of interest is subject to change in accordance with the Directives issued
by RBl and/or Bank's PLR and its policy, from time to time.
8 The Bank shall be entitled to change the rate of interest by sending intimation or publishing in
any Newspaper or on the Notice Board of the Bank or made known through an entry in the
statement of account, itsintention to change the rate of interest applicable to Credit facilities.
The Bank shall also be entitled to increase the amount of installments and/or number of
installments as and when there is revision in rate of interest.
9 In default of payment of interest as stated above the same shall be capitalized and added to
the principal and shall be treated as an advance and the Bank will be entitled to charge
interest at the aforesaid rate on the amount of the debit balance inclusive of interest not paid
and hence capitalized as aforesaid, in addition to charging additional interest at the rate
decided by the Bank from timeto time from the date of default to the date of actual payment.
10. Service charges/Share amount are applicable as per the Bank's rules in force that exists as
on date t applicable GST.
11. Atpresent, the Conversion/Switchover charges will be charged for Housing Loans for availing
better Rate of Interest (ROI). No other credit facilities are available for better ROI under the
said scheme as of now. If Bank decides to charge the same in future, it will be notified from
time to time.
XXXXX
