BORROWER NAME Irshad // 729

PRODUCT APPLIED LAP SCHEME APPLIED

SOURCING VERTICAL DSA / DST SUB SCHEME
INCORPORATION DATE OF MAIN APP DATE OF BIRTH
NAME OF CO BORROWER 1 Shanaj 1/Jan/84
NAME OF CO BORROWER 2
NAME OF CO BORROWER 3
NAME OF CO BORROWER 4

FINANCIAL ANALYSIS
Financial Statements Current Year Previous Year Previous Year

Profit and Loss Account 31.03.2018 31.03.2017 31.03.2016 31.03.2015

A Sales excluding other incomes
B Cost of goods sold
C Gross Profits (A-B) - - - -
Gross Margin % #DIV/0! #DIV/0! #DIV/0! #DIV/0!
D Other exp.(Excldg.prtnr's / Dir's sal & int.)
E Partners / Directors Remuneration
F Rent & Interest on Partners Capital
G Operating Profit ( C-D-E-F) - - - -
Operating Margins % #DIV/0! #DIV/0! #DIV/0! #DIV/0!
H Other Incomes as stated in P & L a/c

I PBDIT (G+H) - - - -
PBDIT Margins % #DIV/0! #DIV/0! #DIV/0! #DIV/0!
J Interest on OD/CC
K Interest paid to Banks & FI's
L Interest to Pvt Parties other than Family
M Interest to Familiy Members
N Total Int Exps where break up is not available
O Total Int Paid - - - -
P PBDT (I-N) - - - -
Q Depreciation
R PBT (O-J) - - - -
S Tax paid [Incldg Int paid u/s 234(a,b,c)]
T PAT - - - -
U Net Profit Ratio #DIV/0! #DIV/0! #DIV/0! #DIV/0!
V Post tax Cash profits + sal. + int. - - - -
W Cash Profit Ratio #DIV/0! #DIV/0! #DIV/0! #DIV/0!

Balance Sheet 31.03.2018 31.03.2017 31.03.2016 31.03.2015

A Share Capital
B Reserves and Surplus
C Loan from Partners / Directors, if any
D Advances to Partners / Directors / Group Cos
E Loan from Family members
F Misc. Exp. Not written of
G Net Worth = A+B+C-D+E+F - - - -

H Secured Debts
I Usecured Debt - Banks & FI's
J Unsec Debt - Pvt parties other than Family
K Unsecured Debt - Family & Friends
L Total Outside Debts (H + I + J + K) - - - -
M Total Fund in the business (L+G) - - - -

Fixed Assets
N Depreciation -
O Net Fixed Assets - - - -

P Investments

Current Assets
Q Closing Stock
R Opening Stock - - - -
S Debtors - - - -
S1 - exceeding six months
S2 - less than six months
T Debtors opening - - -
U1 Loans & Adv. other than Group Cos / Family
V Cash and Bank
W Total Current Assets - - - -

X Current Liabilities (Ex. OD/CC) - - - -

Y1 Creditors (Closing)
Y2 Creditors (Opening) - - -
Z Other Liab.
AA Provisions (for exps, tax, div. etc.)
AB Residual Current Assets - - - -
AC OD / CC
AD Net Working Capital - - - -
AE Deferred Tax Assets / (Liab.)
AF Total Application of Funds - - - -
AG Total Funds for the business - - - -

AH Difference in B/S - - - -

AI Top Debtors
AJ Top Creditors
 CONSTITUTION Individual
NON-INCOME PROOF AGE
OFF ADD: Main Bazar Dadri,
Masjid wali Gali, Dadri
CIBIL SCORE 120
-1 36
RESI ADD: H.No- 36, Gupta 120
Colony, Bagh wali Gali, Dadri nai
abadi near nirboj school, Gautam 120
Buddh nagar-203207
120

Version 6.3
% Change over previous year

31.03.2014 31.03.2018 31.03.2017 31.03.2016 31.03.2015

#DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
- #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
- #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
- #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
- #DIV/0! #DIV/0! #DIV/0! #DIV/0!
- #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
- #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
- #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
- #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

31.03.2014 31.03.2018 31.03.2017 31.03.2016 31.03.2015

#DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
- #DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0!

- #DIV/0! #DIV/0! #DIV/0! #DIV/0!

- #DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0!
- #DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0!
- #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
- #DIV/0! #DIV/0! #DIV/0! #DIV/0!

- #DIV/0! #DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
- #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
- #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0! #DIV/0!
- #DIV/0! #DIV/0! #DIV/0! #DIV/0!
- #DIV/0! #DIV/0! #DIV/0! #DIV/0!

-
Product SOURCING VERTICAL SCHEME

LAP DSA / DST INCOME PROOF

REF IN HOUSE NON-INCOME PROOF

LAPS LOAN REPAYMENT TRACK RECORD
STPL BALANCE TRANSFER & TOP UP
PL LEASE RENTAL
BL WORK ORDER

IL
BORROWER NAME Irshad // 729 CONSTITUTION Individual
PRODUCT APPLIED LAP SCHEME APPLIED NON-INCOME PROOF

BANKING SUMMARY

Bank Account Consolidated - Do Not Change Format

Bank Name Bank Account Number Account Type Repayment from this account
Banking Since Any Joint holding Limit as on date (INR) NA Collateral provided NA

Avg Bank Balance

Total Credits OD / CC
Mth (Start from latest mth) Total Credits (#) Total Debits (#) (on 5th,10th,15th,20th & # I/w Return # O/w Return
Value Limit
25th,30th /31st)

Jun-19 0 0 - 0 #VALUE!
May-19 2 10 13,418 0 0
Apr-19 2 10 11,274 0 0
Mar-19 3 13 7,130 0 0
Feb-19 4 13 6,662 0 0
Jan-19 2 11 7,306 0 0
Dec-18 3 11 5,534 0 0
Nov-18 1 10 6,700 0 0
Oct-18 5 11 2,293 0 0
Sep-18 6 16 4,310 0 0
Aug-18 2 11 3,367 0 0
Jul-18 3 8 47 0 0
Average #DIV/0! 3 10 5,670 0 #VALUE!
Total 0 33 124 0 #VALUE!
0
I/ w Bounce %age 0.00% Comments
Consolidated ABB for the Month #VALUE!
O/ w Bounce %age #VALUE!
T/o reported in financials -
Consolidated Annualised Credits #DIV/0!
Banking T/o ratio #DIV/0!
Bank Account No - 1 (Main A/c) A/c in the name of Bhupendra nath
Bank Name HDFC bank Bank Account Number 00901050094743 Account Type Saving Repayment from this account
Considered for BS No Any Joint holding No Limit as on date (INR) Collateral provided

Total Credits Avg Bank Balance OD / CC

Mth (Start from latest mth) Total Credits (#) Total Debits (#) # I/w Return # O/w Return
Value (on 5th, 15 & 25th) Limit

Sep-19 0 0 - 0
Aug-19 2 10 13,418 0 0
Jul-19 1 10 5,941 0 0
Jun-19 3 13 7,130 0 0
May-19 4 13 6,662 0 0
Apr-19 2 11 7,306 0 0
Mar-19 3 11 5,534 0 0
Feb-19 1 10 6,700 0 0
Jan-19 5 11 2,293 0 0
Dec-18 6 16 4,310 0 0
Nov-18 2 11 3,367 0 0
Oct-18 3 8 47 0 0
Average #DIV/0! 3 10 5,226 0 0
Total - 32 124 62,708 0 0
0
Avg CC Utilisation -374644.44% I/ w Bounce %age 0.00% Comments
ABB for the Month - O/ w Bounce %age 0.00%
Annualised Credits #DIV/0! T/o reported in financials -
Banking T/o ratio #DIV/0!

Bank Account No - 2 A/c in the name of Anita

Bank Name Bank of baroda Bank Account Number 51780100007963. Account Type Saving Repayment from this account
Considered for BS No Any Joint holding No Limit as on date (INR) Collateral provided

Total Credits Avg Bank Balance OD / CC

Mth (Start from latest mth) Total Credits (#) Total Debits (#) # I/w Return # O/w Return
Value (on 5th, 15 & 25th) Limit

Sep-19 0 0 - 0 0 -
Aug-19 0 0 - 0 0
Jul-19 1 0 5,333 0 0
Jun-19 0 0 - 0 0
May-19 0 0 - 0 0
Apr-19 0 0 - 0 0
Mar-19 0 0 - 0 0
Feb-19 0 0 - 0 0
Jan-19 0 0 - 0 0
Dec-18 0 0 - 0 0
Nov-18 0 0 - 0 0
Oct-18 0 0 - 0 0
Average #DIV/0! 0 0 444 0 0
Total - 1 0 5,333 0 0
0
Avg CC Utilisation 0.00% I/ w Bounce %age #DIV/0! Comment
ABB for the Month - O/ w Bounce %age 0.00%
Annualised Credits #DIV/0! T/o reported in financials -
Banking T/o ratio #DIV/0!

Bank Account No - 3 A/c in the name of

Bank Name Bank Account Number Account Type Saving Repayment from this account
Considered for BS No Any Joint holding No Limit as on date (INR) Collateral provided

Total Credits Avg Bank Balance OD / CC

Mth (Start from latest mth) Total Credits (#) Total Debits (#) # I/w Return # O/w Return
Value (on 5th, 15 & 25th) Limit
 Sep-19 -
Aug-19 -
Jul-19 -
Jun-19 -
May-19 -
Apr-19 -
Mar-19 -
Feb-19 -
Jan-19 -
Dec-18 -
Nov-18 -
Oct-18 -
Average #DIV/0! #DIV/0! #DIV/0! - #DIV/0! #DIV/0!
Total - 0 0 - 0 0
0
Avg CC Utilisation 0.00% I/ w Bounce %age #DIV/0! Comment
ABB for the Month - O/ w Bounce %age #DIV/0!
Annualised Credits #DIV/0! T/o reported in financials -
Banking T/o ratio #DIV/0!

Bank Account No - 4 A/c in the name of

Bank Name Bank Account Number Account Type Repayment from this account
Considered for BS No Any Joint holding No Limit as on date (INR) Collateral provided

Total Credits Avg Bank Balance OD / CC

Mth (Start from latest mth) Total Credits (#) Total Debits (#) # I/w Return # O/w Return
Value (on 5th, 15 & 25th) Limit

Sep-19 -
Aug-19 -
Jul-19 -
Jun-19 -
 May-19 -
Apr-19 -
Mar-19 -
Feb-19 -
Jan-19 -
Dec-18 -
Nov-18 -
Oct-18 -
Average #DIV/0! #DIV/0! #DIV/0! - #DIV/0! #DIV/0!
Total - 0 0 - 0 0
0
Avg CC Utilisation 0.00% I/ w Bounce %age #DIV/0! Comment
ABB for the Month - O/ w Bounce %age #DIV/0!
Annualised Credits #DIV/0! T/o reported in financials -
Banking T/o ratio #DIV/0!

Bank Account No - 5 A/c in the name of

Bank Name Bank Account Number Account Type Saving Repayment from this account
Considered for BS No Any Joint holding No Limit as on date (INR) Collateral provided

Total Credits Avg Bank Balance OD / CC

Mth (Start from latest mth) Total Credits (#) Total Debits (#) # I/w Return # O/w Return
Value (on 5th, 15 & 25th) Limit

Sep-19 -
Aug-19 -
Jul-19 -
Jun-19 -
May-19 -
Apr-19 -
Mar-19 -
 Feb-19 -
Jan-19 -
Dec-18 -
Nov-18 -
Oct-18 -
Average #DIV/0! #DIV/0! #DIV/0! - #DIV/0! #DIV/0!
Total - 0 0 - 0 0
0
Avg CC Utilisation 0.00% I/ w Bounce %age #DIV/0! Comment
ABB for the Month - O/ w Bounce %age #DIV/0!
Annualised Credits #DIV/0! T/o reported in financials -
Banking T/o ratio #DIV/0!
 Individual
ROOF

Version 6.3

NA

Utilis. Rate
(if OD)

0.0%
-1341800.0%
-1127433.3%
-713000.0%
-666233.3%
-730566.7%
-553433.3%
-669966.7%
-229266.7%
-431000.0%
-336700.0%
-4700.0%
-618554.55%
`

NA Saving
OD
CC

Utilis. Rate
(if OD)
Drop Line OD
431000.00%
336700.00% NA ABB Avg 9 Monthss 9 Month ABB

4700.00% #REF! #REF! #REF! #REF!

336700.00% #REF! 47 #REF! #REF!
431000.00% #REF! 3,367 #REF! #REF!
730566.67% 4,310 4,310
553433.33% 7,306 7,306
669966.67% 5,534 5,534
229266.67% 6,700 6,700
431000.00% 2,293 2,293
336700.00% #REF! #REF!
4700.00% #REF! #REF!
374644.44% #REF! #REF!

#REF! #REF!
Err:504 Err:504 NASIMA BEGUM

NA Saving
 OD
CC
Utilis. Rate
(if OD) Drop Line OD
% NA ABB Avg 9 Months Current Month ABB/Previous 9 Month ABB

0.00% NA - #REF! #REF!

0.00% NA - #REF! #REF!
0.00% NA 5,333 #REF! #REF!
0.00% - -
0.00% - -
0.00% #REF! #REF!
0.00% - -
0.00% - -
0.00% - -
0.00% - -
0.00% #REF! #REF!
0.00% - -

#REF! #REF!
Err:504 Err:504

NA Saving
OD
CC

Utilis. Rate
(if OD)
Drop Line OD
 0.00% NA ABB Avg 9 Months Current Month ABB/Previous 9 Month ABB

0.00% #DIV/0! - - #DIV/0!

0.00% #DIV/0! - - #DIV/0!
0.00% #DIV/0! - - #DIV/0!
0.00% - -
0.00% - -
0.00% - -
0.00% - -
0.00% - -
0.00% - -
0.00% - -
0.00% - -
0.00% - -

#DIV/0! #DIV/0!
Err:504 Err:504

No Saving
OD
CC

Utilis. Rate
(if OD)
Drop Line OD
0.00% NA ABB Avg 9 Months Current Month ABB/Previous 9 Month ABB

0.00% #DIV/0! - - #DIV/0!

0.00% #DIV/0! - - #DIV/0!
0.00% #DIV/0! - - #DIV/0!
 0.00% - -
0.00% - -
0.00% - -
0.00% - -
0.00% - -
0.00% - -
0.00% - -
0.00% - -
0.00% - -

#DIV/0! #DIV/0!
Err:504 Err:504

No Saving
OD
CC

Utilis. Rate
(if OD)
Drop Line OD
0.00% NA ABB Avg 9 Months Current Month ABB/Previous 9 Month ABB

0.00% #DIV/0! - - #DIV/0!

0.00% #DIV/0! - - #DIV/0!
0.00% #DIV/0! - - #DIV/0!
0.00% - -
0.00% - -
0.00% - -
0.00% - -
0.00% - -
0.00% - -
0.00% - -
0.00% - -
0.00% - -

#DIV/0! #DIV/0!
Err:504 Err:504
BORROWER NAME Irshad // 729
PRODUCT APPLIED LAP SCHEME APPLIED

OBLIGATION SHEET

Sr. Type of Loan Loan

No. Name of the Financier Loan Number [BIL / PIL / LAP / Auto / Others] Amt (Rs.)

Entity's Obligations
1 0
2 0
3 0
4 0
5 0
6 0
7 0
8 0
9 0
10 0
11 0
12 0
13 0
14 0
12 0
13 0
14 0
15 0
16 0
17 0
18 0
19 0
21 0
TOTAL DEBT & OBLIGATIONS TO BE CONSIDERED #REF!

Sr.
No. Name of the Financier EMI Amount Jan/19 Dec/18

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20

EXISTING EXPOSURE D

Sr. Customer ID / Loan Amt

Loan in the Name of SBLAP, MSME, Corporate Loan
No. Loan Number (Rs.)

1
2
3
4
 CONSTITUTION Individual
SCHEME APPLIED INCOME PROOF

Version 6.3

To be
Mth & Yr No. of Emi's Track
Loan Taken EMI Amount Tenure Emi's Paid pending Loan Status considered Performance ROI
as Obligation

- Yes
- Yes
- Yes
- Yes
- Yes
- Yes
- Yes
- Yes
- Yes
- Yes
- Yes
- Yes
- Yes
- Yes
- Yes
- Yes
- Yes
- Yes
- Yes
- Yes
- Yes
- Yes
- Yes
- #REF!

Nov/18 Oct/18 Sep/18 Aug/18 Jul/18 Jun/18 May/18 Apr/18 Mar/18

EXISTING EXPOSURE DETAILS

Month & Year Track

Emi Amount Tenure Emi Paid POS Remarks
Loan Taken Performance

-
 POS Comment / Remark

0 0 0 0
#REF! #REF! 0 #REF!
#REF! #REF! 0 #REF!
#REF! #REF! 0 #REF!
0 0 0 #REF!
0 0 0 #REF!
0 0 0 #REF!
0 0 0 #REF!
0 0 0 #REF!
0 0 0 #REF!
#REF! #REF! 0 #REF!
0 0 0 #REF!
0 0 0 #REF!
0 0 0 #REF!
0 0 0 #REF!
0 0 0 #REF!
0 0 0 #REF!
0 0 0 #REF!
0 0 0 #REF!
0 0 0 #REF!
0 0 0 #REF!
0 0 0 #REF!
0 0 0 #REF!
0 0 0 #REF!
- #REF! #REF! 0 #REF!

Repayment going
Feb/18 from which Bank a/c
Remarks
BORROWER NAME Irshad // 729 CONSTITUTION Individual
PRODUCT APPLIED LAP SCHEME APPLIED INCOME PROOF
SOURCING VERTICAL SUB SCHEME Audited Financials
Version 6.3
INCOME ELIGLIBLITY

Parameters INCOME (AS PER ITR / SALARY / OTHER) INCOME CONSIDER INCOME
Profit before Tax as per P & L Account 540,000 540,000
Add: Salary/ Rent paid to Partners / Directors -
Add: Exceptional Expense of one time nature - - 540000
Less: Exceptional income of one time nature - -
Total 540,000 540,000
Add: 75% of Depreciation as per Profit & Loss A/c
Add: Rent & Interest on Partner's Capital
Add :Interest paid on OD/CC as stated in P & L account
Add: Interest paid on EMI based loans as stated in P & L account
Add :Interest paid to family members as stated in P & L account
Total Income - A 540,000

Parameters Curr Year Amt INR Prev Year Amt INR %age Growth
Other Income (Not Included in Tdg & P/ L Account)
Income from House Property /Rental Income [Rent reflecting in Latest ITR/ Valid rent
agreement (Registered or Unregistered) /positive rental FI + /Rent Credit vetting in bank
-
statements (any 2)]@ 100%
#DIV/0! -
Pension Income (Bank Statement of last 6 months reflecting latest 5 pension credits/
Copy of Latest Pension Order/ Form 16) @100% of CY
#DIV/0! -
Agricultural Income (Min 2 yrs reflection in ITR & 150% of Previous Year) @100% of
CY #DIV/0! 0
Income from other sources - Interest on FDs & Dividend income on Company Deposits,
mutual funds etc – [Min 2 yrs reflection in ITR & Proof of such investments] @ 50% -
of average of last 2 yrs #DIV/0! -
Total Other Income - B - - #DIV/0! -

APPRAISED TOTAL ELIGIBLE INCOME - (A + B) 540,000

LOAN ELIGIBILITY
DEAL TERMS SECURITY / COLLATERAL DETAILS
Loan Amount Applied 800,000 TYPE OF PROPERTY Residential
Tenure (In Months) 120 PROPERTY USAGE Self Occupied
Rate of Interest 24.00% IS IT A COMM / INDL PROP PURCHASE? No
VALN. DETAILS AMT INR LTV
Applicable Fixed Obligation to Income Ratio (FOIR) 80.00% 3,276,000 24%
Eligible Income for Loan Eligibility p.a. 540,000 5,000,000 16%
Monthly Obligations 3,598 VALN. TO BE TAKEN 4,138,000 19% 3276000.00
Eligible Loan Amount 1,469,489 SCHEME SPECIFIC DEVIATIONS, IF ANY ON 100000 800,000
Applied Loan Amount EMI 17,639 LOCATION TYPE DEL/MUM 2205 17639
FOIR FOR LOAN AMT APPLIED 47% FOIR ON FUNDING NO
OTHER DEVIATIONS, IF ANY NA LTV ON FUNDING NO 0.7 0.7
NA NA NA NA NA YES 0.7
NA NA NA NA Avg Val > 110% of Lower Val 0.6

SANCTION RATIO 54.4406806443

180
180
Borrower Irshad
Co-borrower Shahnaj LTV #DIV/0!
Subject property Address Loan amount 0
GPA Property Address Property Value 0
Subject Property 0
Borrower Co-Borrower GPA Property
Income
2018-2019 2017-18 2016-17 2018-2019 2018-2017 2017-2016
ITR/Salary 45000
Rental income
Other Income
Commission Income Borrower Lender Type Sanction Amount O/S Balance Overdue Monthly Payment Ownership Tenure Paid emi
Total 45000 0 0 0 0 0 Hdb Finance Gold Loan 33100 28238 0 565 Individual 0 0
L&T finance Two-wheeler Loan 47500 15046 0 1,833 Individual 36 28
Rent paid Rent paid 1,200

Irshad
Total income (B + CB) 45000
Yearly 540000

DTI 0%

Total 43284 0 3598

Salaried Borrower Co-Borrower

Salaried
Incentive/Reimbursment
Bonus
Rental Income
Total income 0 0 0

Grand Income
Monthly income/12

Expenses Borrower Co-Borrower

Rent Paid
Miscell Exp
Total Expense 0 0
Total Exp + Liabliites 0
 LOAN RECOMMENDATION SHEET
FILE LOGIN NO., BORROWER NAME, CO-BORROWER
NAME, GUARANTOR NAME, BORROWER SEGMENT,
SOURCE

PRODUCT, LOAN AMOUNT, TENURE, SCHEME, ROI, EMI

DEALS IN

JOB DETAIL

FOIR%

FAIR MARKET VALUATION

REALIZABLE VALUATION

ACTUAL PROPOSED LOAN AMOUNT

LTV%

MAXIMUM LOAN ELIGILIBILITY

LOAN SANCTION RATIO

BANKING

CIBIL SCORE

LOAN REPAYMENT DETAIL

RESIDENTIAL OWNERSHIP

LIFE STYLE
REPORTS

TECHNICAL

LEGAL

FI

RCU

TVR AND REFERENCE CHECK

APPROVALS

BANKING
OTHERS
END USE

STRENGTH OF THE CASE

WEAKNESS OF THE CASE

SANCTION CONDITION
ECOMMENDATION SHEET
FW/SEC/2797// Mr. Irshad (Borrower) // Mrs. Shahnaj (Co-Borrower) //
SENP // Loan Suvidha

Loan Against Property // Rs. 8,00,000/- // 120 Months // No-Income

Proof // 24% // Rs. 17,639/-

Readymade Curtains and Sofa set cover.

All Rounder tailor located at Main Bazar Dadri, Masjid wali Gali,
Dadri(Rented)

47%

Yet to rec.

3238560

Yet to rec.

Rs. 8,00,000/-

0%

Rs. 14,69,478/-

54%
For Miss. Nehanshu Nagpal (State Bank of India - Saving) :- Average
Bank Balance is Rs. 636/-, No. of debit entries is 55, No. of Credit entries
is 25, Outward Bouncing is 0.

For Mr. Balwant Rai Nagpal and Mrs. Guddi Nagpal (State Bank of India-
Saving) :- Average Bank Balance is Rs. 21,939/-, No. of debit entries is
22, No. of Credit entries is 17, Inward Bouncing is 0.

Mr. Irshad - (729), Mrs. Shanaj - (-1).

For Mr. Irshad (B):-

Currently 2 loan reflected in CIBIL history. 1.
Two-wheeler Loan (Ownership- Individual) from L&T Finance.
Loan Sanctioned- Rs. 47,500/-
Current Balance- Rs. 15,046/-
EMI Tenure- 36 months Paid
Tenure - 28 EMI’s Paid
EMI Amount- Rs. 1,833/- 2.
Gold Loan (Ownership- Individual) from HDB Finance.
Loan Sanctioned- Rs. 33,100/-
Current Balance- Rs. 28,238/-
Interest Amount- Rs. 565/-

For Mrs. Shanaj (CB):-

Currently no loan are reflected in CIBIL.

H.No- 36, Gupta Colony, Bagh wali Gali, Dadri nai abadi near nirboj
school, Gautam Buddh nagar-203207 (Self-owned)

Middle Class lifestyle

Yet to rec.

Yet to rec.

External:- Not Recommended.

Reason- Negative area
Internal:- Positive

Positive

For Mr. Irshad (B) :- TVR done by Mr. Shubham on +91-8506804182.

Overall TVR is satisfactory.
Reference 1. Mr. Mayur Chauhan(Friend) :- +91-8178895452
2. Mr. Anwar malik(bhai) :- +91-9650576470.

For Mr. Shanaj (CB) :- TVR done by Mr. Shubham on +91-9811098110.

Overall TVR is satisfactory.

Average bank balance of borrower and Co- borrower are less than the
EMI amount. As per our policy it should be equal or more than EMI
amount. So, approval required by Nitesh Sir.
Borrower is residing at H.No- 36, Gupta Colony, Bagh wali Gali, Dadri nai
abadi near nirboj school, Gautam Buddh nagar-203207(Self-owned)
since 4 years along with family. Borrower is doing Business since 25
years.

Mrs. Shanaj wife of Borrower coming as a Co-Borrower to this loan. She

is housewife.

Irshad is a proprietor of All Rounder Tailor since 25 years.

Office property place is given by Masjid committee and he pays rent

against that office place i.e Rs. 1200/- per month.

He receive a order from customers/parties and making accordingly

demand.

He has 2 machine in which he allot that machine to 2 people.

From 2 machines he earns average of Rs. 500/- per day or half payment
from both person which he earns daily, whichever is more.

He receives Rs. 100/- per piece from customer if material are provided by
customer.

As per borrower he earns Rs. 60k per month from all source but we have
taken only Rs. 45,000/- while making eligibility.

This Case is booked under No-Income proof scheme.

Loan eligibility is Rs. 14,69,478/-, we are sanctioning Rs.8,00,000/-

CIIBL is clean of both borrowers no DPD has been seen on credit report.

Property Value – Rs. 40,48,200/-

Distress Value- Rs. 32,38,560
Credit offered loan amount - Rs. 17 lakh

Ad measuring area is 60 sq. yards.

Business Expansion(Purchase stock in bulk)

Eligible Loan Amount is good as we required.

Good Income.

No-Income Proof Case.

ABB is low.

Office ownership is Rented.

RM will be done on said property.

Insurance will be done.