Loan Annexure Workings
Loan Annexure Workings
Loan Annexure Workings
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
3010201288 Raju Maharjan 2077/11/12 44,471,174.00 2078/11/12 41,932,674.00 Business Loan
Observation:
Engineering Valuation(for 10 Lakhs Adequacy of Dristibandhak
Type of Collateral Distress Value Lalpurja Dristibandhak
and above) Valuation Amount
Land No Valuation No Valuation No Valuation Photocopy No No
Field Visit Signature Of Loan Signature of
Photo of Property Charkilla Signature of Approver
Report File Preparer Checker
No No No No No No
Signature of Witness / Projection of
Family Consent Business Documents
Sakshi Business
Yes No No No
Signature of Photo of
Citizenship of the Loanee Income Documentation
Guarantor / Jamani Loanee
Yes Yes Yes No
Remarks: It was found that loanee was witness in the guarantee letter.
Case 2
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
3010201671 MIRA THAPA 2078/03/31 20,031,000.00 2078/04/31 20,031,000.00 Business Loan
Observation:
Engineering Valuation(for 10 Lakhs Adequacy of Dristibandhak
Type of Collateral Distress Value Lalpurja Dristibandhak
and above) Valuation Amount
Land No Valuation No Valuation No Valuation Photocopy Yes 4,800,000
Field Visit Signature Of Loan Signature of
Photo of Property Charkilla Signature of Approver
Report File Preparer Checker
No No No No No No
Signature of Witness / Projection of
Family Consent Business Documents
Sakshi Business
No No No No
Signature of Photo of
Citizenship of the Loanee Income Documentation
Guarantor / Jamani Loanee
No No No No
Remarks: No thumbprint of loanee in loan agreement.
Photo of guarantor is not kept in the file.
Dristibandhak amount is lower than loan amount.
Case 3
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
3010201683 DHANA KRISHNA MAHARJAN 2078/03/31 9,541,400.00 2079/03/31 9,541,400.00 Business Loan
Observation:
Engineering Valuation(for 10 Lakhs Adequacy of Dristibandhak
Type of Collateral Distress Value Lalpurja Dristibandhak
and above) Valuation Amount
Share+Saving No Valuation No Valuation No Valuation No No No
Field Visit Signature Of Loan Signature of
Photo of Property Charkilla Signature of Approver
Report File Preparer Checker
No No No No No No
Signature of Witness / Projection of
Family Consent Business Documents
Sakshi Business
No No No No
Signature of Photo of
Citizenship of the Loanee Income Documentation
Guarantor / Jamani Loanee
No No No No
Remarks: No signature in loan agreement & guarantee letter.
Photo and citizenship of guarantor is not kept in the loan file.
Case 4
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
3010201366 Krishna Prasad Dotel 2078/01/15 4,741,899.00 2079/01/15 4,741,899.00 Business Loan
Observation:
Engineering Valuation(for 10 Lakhs Adequacy of Dristibandhak
Type of Collateral Distress Value Lalpurja Dristibandhak
and above) Valuation Amount
Land Yes 12,156,000 Yes Photocopy Yes 2,500,000
Field Visit Signature Of Loan Signature of
Photo of Property Charkilla Signature of Approver
Report File Preparer Checker
No No No No No No
Signature of Witness / Projection of
Family Consent Business Documents
Sakshi Business
Yes No No No
Signature of Photo of
Citizenship of the Loanee Income Documentation
Guarantor / Jamani Loanee
Yes No No No
Remarks: Photo of loanee is not kept in the loan file.
Dristibandhak amount is lesser than the loan amount.
Case 5
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
3010201116 MIRA THAPA 2077/04/15 5,767,121.00 2078/04/15 5,767,121.00 Business Loan
Observation:
Engineering Valuation(for 10 Lakhs Adequacy of Dristibandhak
Type of Collateral Distress Value Lalpurja Dristibandhak
and above) Valuation Amount
Land No valuation No valuation No valuation Photocopy Yes 4,800,000
Field Visit Signature Of Loan Signature of
Photo of Property Charkilla Signature of Approver
Report File Preparer Checker
No No No Yea No No
Signature of Witness / Projection of
Family Consent Business Documents
Sakshi Business
Yes No No No
Signature of Photo of
Citizenship of the Loanee Income Documentation
Guarantor / Jamani Loanee
Yes No Yes No
Remarks: Photo of guarantor is not kept in the loan file.
Case 6
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
3010201344 SUMAN MAHARJAN 2077/12/30 5,958,041.00 2079/12/30 5,958,041.00 Business Loan
Observation:
Engineering Valuation(for 10 Lakhs Adequacy of Dristibandhak
Type of Collateral Distress Value Lalpurja Dristibandhak
and above) Valuation Amount
Savings+Share No valuation No valuation No valuation No No No
Field Visit Signature Of Loan Signature of
Photo of Property Charkilla Signature of Approver
Report File Preparer Checker
No No No No No No
Signature of Witness / Projection of
Family Consent Business Documents
Sakshi Business
No No No No
Signature of Photo of
Citizenship of the Loanee Income Documentation
Guarantor / Jamani Loanee
No Yes Yes No
Remarks: Loan agreement has not been signed by the loanee.
Case 7
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
3010201089 Bisweshwor Aacharya 2077/03/28 6,884,775.00 2079/03/28 6,884,775.00 Business Loan
Observation:
Engineering Valuation(for 10 Lakhs Adequacy of Dristibandhak
Type of Collateral Distress Value Lalpurja Dristibandhak
and above) Valuation Amount
Savings+Share No valuation No valuation No valuation No Yes -
Field Visit Signature Of Loan Signature of
Photo of Property Charkilla Signature of Approver
Report File Preparer Checker
No No No No No No
Signature of Witness / Projection of
Family Consent Business Documents
Sakshi Business
No No No No
Signature of Photo of
Citizenship of the Loanee Income Documentation
Guarantor / Jamani Loanee
No No No No
Remarks: Loan agreement has not been signed by the loanee.
Dristibandhak amount is 0.
Case 8
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
3010201562 SAMIR ADHIKARI 2078/03/25 14,907,970.00 2079/03/25 14,907,970.00 Business Loan
Observation:
Engineering Valuation(for 10 Lakhs Adequacy of Dristibandhak
Type of Collateral Distress Value Lalpurja Dristibandhak
and above) Valuation Amount
Land No valuation No valuation No valuation Photocopy Yes Not clear
Field Visit Signature Of Loan Signature of
Photo of Property Charkilla Signature of Approver
Report File Preparer Checker
No No No No No No
Signature of Witness / Projection of
Family Consent Business Documents
Sakshi Business
No No No Business Registration and PAN
Signature of Photo of
Citizenship of the Loanee Income Documentation
Guarantor / Jamani Loanee
No Yes No No
Remarks: Loan agreement has not been signed by the loanee.
Case 9
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
3010201349 ASTA MAYA MAHARJAN 2077/12/31 8,891,562.00 2079/01/01 8,891,562.00 Business Loan
Observation:
Engineering Valuation(for 10 Lakhs Adequacy of Dristibandhak
Type of Collateral Distress Value Lalpurja Dristibandhak
and above) Valuation Amount
Land No valuation No valuation No valuation No Yes 2,950,000
Field Visit Signature Of Loan Signature of
Photo of Property Charkilla Signature of Approver
Report File Preparer Checker
No Yes No No No No
Signature of Witness / Projection of
Family Consent Business Documents
Sakshi Business
No No No No
Signature of Photo of
Citizenship of the Loanee Income Documentation
Guarantor / Jamani Loanee
No No No No
Remarks: Loan agreement has not been signed by the loanee.
Dristibandhak amount is less than loan amount.
Case 10
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
3010500106 AMRIT KAPALI 2078/03/11 3,020,548.00 2078/04/22 3,020,548.00 Business Loan
Observation:
Engineering Valuation(for 10 Lakhs Dristibandhak
Type of Collateral FD Amount Adequacy of FD Lalpurja Dristibandhak
and above) Amount
FD NA 3,368,200 Yes NA NA NA
Field Visit Signature Of Loan Signature of
Photo of Property Charkilla Signature of Approver
Report File Preparer Checker
NA NA NA No No No
Signature of Witness / Projection of
Family Consent Business Documents
Sakshi Business
No No No No
Signature of Photo of
Citizenship of the Loanee Income Documentation
Guarantor / Jamani Loanee
No Yes Yes No
Case 11
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
3010201668 NARESH TANDUKAR 2078/03/31 7,704,228.00 2078/06/31 7,704,228.00 Business Loan
Observation:
Engineering Valuation(for 10 Lakhs Adequacy of Dristibandhak
Type of Collateral Distress Value Lalpurja Dristibandhak
and above) Valuation Amount
Land+Saving+Share No valuation No valuation No valuation Photocopy Yes 990,000
Field Visit Signature Of Loan Signature of
Photo of Property Charkilla Signature of Approver
Report File Preparer Checker
No No No No No No
Signature of Witness / Projection of
Family Consent Business Documents
Sakshi Business
No No No No
Signature of Photo of
Citizenship of the Loanee Income Documentation
Guarantor / Jamani Loanee
No Yes Yes No
Remarks: Loan agreement has not been signed by the loanee.
Case 12
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
3010201159 LAXMI SHRESTHA 2077/07/03 2,729,390.00 2079/07/03 2,575,070.00 Business Loan
Observation:
Engineering Valuation(for 10 Lakhs Adequacy of Dristibandhak
Type of Collateral Distress Value Lalpurja Dristibandhak
and above) Valuation Amount
Savings+ Share+Land No valuation No valuation No valuation Photocopy Yes 2,000,000
Field Visit Signature Of Loan Signature of
Photo of Property Charkilla Signature of Approver
Report File Preparer Checker
No Yes No No No No
Signature of Witness / Projection of
Family Consent Business Documents
Sakshi Business
Yes No No No
Signature of Photo of
Citizenship of the Loanee Income Documentation
Guarantor / Jamani Loanee
Yes Yes No No
Remarks: Photo of guarantor is not kept in the loan file.
Dristibandhak amount is lesser than the loan amount.
Details regarding savings and share is not kept in loan file.
Case 13
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
3010201392 KANCHHA MAHARJAN 2078/03/08 11,126,652.00 2080/03/08 11,126,652.00 Business Loan
Observation:
Engineering Valuation(for 10 Lakhs Adequacy of Dristibandhak
Type of Collateral Distress Value Lalpurja Dristibandhak
and above) Valuation Amount
Land & Building No valuation No valuation No valuation No No No
Field Visit Signature Of Loan Signature of
Photo of Property Charkilla Signature of Approver
Report File Preparer Checker
No No No No No No
Signature of Witness / Projection of
Family Consent Business Documents
Sakshi Business
Yes No No No
Signature of Photo of
Citizenship of the Loanee Income Documentation
Guarantor / Jamani Loanee
No No No No
Case 14
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
3010201217 RATNA MANI PATHAK 2077/08/23 2,552,158.00 2078/08/23 2,552,158.00 Business Loan
Observation:
Engineering Valuation(for 10 Lakhs Adequacy of Dristibandhak
Type of Collateral Distress Value Lalpurja Dristibandhak
and above) Valuation Amount
Land No valuation No valuation No valuation No No No
Field Visit Signature Of Loan Signature of
Photo of Property Charkilla Signature of Approver
Report File Preparer Checker
No No No No No No
Signature of Witness / Projection of
Family Consent Business Documents
Sakshi Business
No No No No
Signature of Photo of
Citizenship of the Loanee Income Documentation
Guarantor / Jamani Loanee
No No No No
Remarks: Loan agreement is not signed by the loanee.
Case 15
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
3010201546 RAJENDRA MAHARJAN 2078/03/20 4,092,000.00 2080/03/20 4,092,000.00 Business Loan
Observation:
Engineering Valuation(for 10 Lakhs Adequacy of Dristibandhak
Type of Collateral Distress Value Lalpurja Dristibandhak
and above) Valuation Amount
No No valuation No valuation No valuation No No No
Field Visit Signature Of Loan Signature of
Photo of Property Charkilla Signature of Approver
Report File Preparer Checker
No No No No No No
Signature of Witness / Projection of
Family Consent Business Documents
Sakshi Business
No No No No
Signature of Photo of
Citizenship of the Loanee Income Documentation
Guarantor / Jamani Loanee
No No Yes No
Remarks: Loan agreement is not signed by the loanee.
Case 16
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
3010200774 SHREE KRISHNA MAHARJAN 2076/09/29 3,509,302.00 2077/09/29 3,509,302.00 Business Loan
Observation:
Engineering Valuation(for 10 Lakhs Adequacy of Dristibandhak
Type of Collateral Distress Value Lalpurja Dristibandhak
and above) Valuation Amount
Share+Savings+Land No valuation No valuation No valuation Photocopy Yes 2,000,000
Field Visit Signature Of Loan Signature of
Photo of Property Charkilla Signature of Approver
Report File Preparer Checker
No Yes No No No No
Signature of Witness / Projection of
Family Consent Business Documents
Sakshi Business
No No No No
Signature of Photo of
Citizenship of the Loanee Income Documentation
Guarantor / Jamani Loanee
No Yes Yes No
Remarks: Photo of loanee is not kept in the loan file.
Loan agreement is not signed by the loanee.
Case 17
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
3010201297 NARAYAN KRISHNA MAHARJAN 2077/11/20 5,076,397.00 2079/11/20 5,076,397.00 Business Loan
Observation:
Engineering Valuation(for 10 Lakhs Adequacy of Dristibandhak
Type of Collateral Distress Value Lalpurja Dristibandhak
and above) Valuation Amount
Share+Saving No valuation No valuation No valuation No No No
Field Visit Signature Of Loan Signature of
Photo of Property Charkilla Signature of Approver
Report File Preparer Checker
No No No No No No
Signature of Witness / Projection of
Family Consent Business Documents
Sakshi Business
No No No No
Signature of Photo of
Citizenship of the Loanee Income Documentation
Guarantor / Jamani Loanee
No Yes No No
Remarks: Loan has been given to chairman of the cooperative.
There is no guarantee letter.
Case 18
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
3010201670 DIL BAHADUR THAPA 2078/03/31 20,038,000.00 2078/04/31 20,038,000.00 Business Loan
Observation:
Engineering Valuation(for 10 Lakhs Adequacy of Dristibandhak
Type of Collateral Distress Value Lalpurja Dristibandhak
and above) Valuation Amount
Land No valuation No valuation No valuation Photocopy Yes 4,800,000
Field Visit Signature Of Loan Signature of
Photo of Property Charkilla Signature of Approver
Report File Preparer Checker
No No No No No No
Signature of Witness / Projection of
Family Consent Business Documents
Sakshi Business
No No No No
Signature of Photo of
Citizenship of the Loanee Income Documentation
Guarantor / Jamani Loanee
No Yes No No
Remarks: Loan agreement is not signed by the loanee.
Photo of guarantor is not kept in the loan file.
Dristibandhak amount is less than loan amount.
Case 19
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
3010201359 Bhim kumar Maharjan 2078/01/07 2,585,746.00 2079/01/07 2,585,746.00 Business Loan
Observation:
Engineering Valuation(for 10 Lakhs Adequacy of Dristibandhak
Type of Collateral Distress Value Lalpurja Dristibandhak
and above) Valuation Amount
No No valuation No valuation No valuation No No No
Field Visit Signature Of Loan Signature of
Photo of Property Charkilla Signature of Approver
Report File Preparer Checker
No No No No No No
Signature of Witness / Projection of
Family Consent Business Documents
Sakshi Business
No No No No
Signature of Photo of
Citizenship of the Loanee Income Documentation
Guarantor / Jamani Loanee
No No No No
Remarks: Loan agreement is not signed by the loanee.
Photo of guarantor is not kept in the loan file.
There is no collateral.
Case 20
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
3010201345 A TO Z MULTIPURPOSE PVT LTD 2077/12/30 18,682,454.00 2078/12/30 18,682,454.00 Business Loan
Observation:
Engineering Valuation(for 10 Lakhs Adequacy of Dristibandhak
Type of Collateral Distress Value Lalpurja Dristibandhak
and above) Valuation Amount
Saving+Share+Land No valuation No valuation No valuation Photocopy
Field Visit Signature Of Loan Signature of
Photo of Property Charkilla Signature of Approver
Report File Preparer Checker
No No No No No No
Signature of Witness / Projection of
Family Consent Business Documents
Sakshi Business
No No No Business Registration & PAN
Signature of Photo of
Citizenship of the Loanee Income Documentation
Guarantor / Jamani Loanee
No NA NA No
Remarks: Loan has been given to the company.
Photo of guarantor is not kept in the loan file.
Loan file has not been signed by any person.
Case 21
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
3010200804 Dharmendra Maharjan 2076/10/24 2,685,892.00 2078/10/24 2,685,892.00 Business Loan
\
Observation:
Engineering Valuation(for 10 Lakhs Adequacy of Dristibandhak
Type of Collateral Distress Value Lalpurja Dristibandhak
and above) Valuation Amount
Land No valuation No valuation No valuation No No No
Field Visit Signature Of Loan Signature of
Photo of Property Charkilla Signature of Approver
Report File Preparer Checker
No No No No No No
Signature of Witness / Projection of
Family Consent Business Documents
Sakshi Business
Yes No No No
Signature of Photo of
Citizenship of the Loanee Income Documentation
Guarantor / Jamani Loanee
Yes Yes No No
Case 22
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
3010201604 PUTALI SEDHAI 2078/03/29 2,831,500.00 2079/03/29 2,831,500.00 Business Loan
Observation:
Engineering Valuation(for 10 Lakhs Adequacy of Dristibandhak
Type of Collateral Distress Value Lalpurja Dristibandhak
and above) Valuation Amount
Land+House No valuation No valuation No valuation No Yes 750,000
Field Visit Signature Of LoanSignature of
Photo of Property Charkilla Signature of Approver
Report File Preparer Checker
No Yes No No No No
Signature of Witness / Projection of
Family Consent Business Documents
Sakshi Business
No No No No
Signature of Photo of
Citizenship of the Loanee Income Documentation
Guarantor / Jamani Loanee
No No No No
Remarks: Loan agreement is not signed by the loanee.
Dristibandhak amount is lesser than the loan amount.
Case 23
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
3010201560 SHANTI MAHARJAN 2078/03/25 2,907,032.00 2079/03/25 2,907,032.00 Business Loan
Observation:
Engineering Valuation(for 10 Lakhs Adequacy of Dristibandhak
Type of Collateral Distress Value Lalpurja Dristibandhak
and above) Valuation Amount
Land No Valuation No Valuation No Valuation No Yes 2,950,000
Field Visit Signature Of Loan Signature of
Photo of Property Charkilla Signature of Approver
Report File Preparer Checker
No No No Yes No No
Signature of Witness / Projection of
Family Consent Business Documents
Sakshi Business
Yes No No No
Signature of Photo of
Citizenship of the Loanee Income Documentation
Guarantor / Jamani Loanee
Yes Yes Yes No
Case 24
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
3010200936 Bikash Shrestha 2077/03/07 3,148,000.00 2079/03/07 3,148,000.00 Business Loan
Observation:
Engineering Valuation(for 10 Lakhs Adequacy of Dristibandhak
Type of Collateral Distress Value Lalpurja Dristibandhak
and above) Valuation Amount
Saving+Share No valuation No valuation No valuation No No No
Field Visit Signature Of Loan Signature of
Photo of Property Charkilla Signature of Approver
Report File Preparer Checker
No No No No No No
Signature of Witness / Projection of
Family Consent Business Documents
Sakshi Business
No No No No
Signature of Photo of
Citizenship of the Loanee Income Documentation
Guarantor / Jamani Loanee
No Yes No
Remarks: Loan agreement is not signed by the loanee. No
Case 25
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
3010200770 MAHESH JUNG PANDEY 2076/09/21 3,702,000.00 2078/09/21 3,702,000.00 Business Loan
Observation:
Engineering Valuation(for 10 Lakhs Adequacy of Dristibandhak
Type of Collateral Distress Value Lalpurja Dristibandhak
and above) Valuation Amount
Land No valuation No valuation No valuation Photocopy Yes 1,500,000
Field Visit Signature Of Loan Signature of
Photo of Property Charkilla Signature of Approver
Report File Preparer Checker
No No No No No No
Signature of Witness / Projection of
Family Consent Business Documents
Sakshi Business
No No No No
Signature of Photo of
Citizenship of the Loanee Income Documentation
Guarantor / Jamani Loanee
No Yes Yes No
Remarks: Dristibandhak amount is less than loan amount.
Case 26
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
3010201309 Dinesh Maharjan 2077/12/02 4,188,286.00 2078/12/02 4,188,286.00 Business Loan
Observation:
Engineering Valuation(for 10 Lakhs Adequacy of Dristibandhak
Type of Collateral Distress Value Lalpurja Dristibandhak
and above) Valuation Amount
Land No valuation No valuation No valuation Photocopy Yes 2,500,000
Field Visit Signature Of Loan Signature of
Photo of Property Charkilla Signature of Approver
Report File Preparer Checker
No Yes No Yes No No
Signature of Witness / Projection of
Family Consent Business Documents
Sakshi Business
No No No No
Signature of Photo of
Citizenship of the Loanee Income Documentation
Guarantor / Jamani Loanee
No Yes Yes No
Remarks: Loan agreement has not been signed by loanee.
Photo of guarantor is not kept in the loan file.
Dristibandhak amount is less than the loan amount.
Case 27
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
3010201355 Abishek Shrestha 2078/01/06 4,045,600.00 2080/01/06 4,045,600.00 Business Loan
Observation:
Engineering Valuation(for 10 Lakhs Adequacy of Dristibandhak
Type of Collateral Distress Value Lalpurja Dristibandhak
and above) Valuation Amount
Land No valuation No valuation No valuation Photocopy Yes 2,000,000
Field Visit Signature Of Loan Signature of
Photo of Property Charkilla Signature of Approver
Report File Preparer Checker
No No No No No No
Signature of Witness / Projection of
Family Consent Business Documents
Sakshi Business
No No No No
Signature of Photo of
Citizenship of the Loanee Income Documentation
Guarantor / Jamani Loanee
No Yes Yes No
Remarks: Dristibandhak amount is less than the loan amount.
Case 28
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
3010201083 Krishna Prasad Dotel 2077/03/28 3,761,367.00 2079/03/28 3,761,367.00 Business Loan
Observation:
Engineering Valuation(for 10 Lakhs Adequacy of Dristibandhak
Type of Collateral Distress Value Lalpurja Dristibandhak
and above) Valuation Amount
Savings+Share No valuation No valuation No valuation Photocopy Yes 2,100,000
Field Visit Signature Of Loan Signature of
Photo of Property Charkilla Signature of Approver
Report File Preparer Checker
No No No No No No
Signature of Witness / Projection of
Family Consent Business Documents
Sakshi Business
No No No No
Signature of Photo of
Citizenship of the Loanee Income Documentation
Guarantor / Jamani Loanee
No Yes Yes No
Remarks: Loan agreement is not signed by the loanee.
Photo of guarantor is not kept in the loan file.
Dristibandhak amount is less than the loan amount.
Case 1
Account No Customer Name Opening Date Granted Principal Maturity Date Loan Balance Loan Type
1878 Thaman Bahadur Hitang 2021.05.02 500,000.00 2022.05.02 453,902.00 Business Loan
Case 2
Account No Customer Name Opening Date Granted Principal Maturity Date Loan Balance Loan Type
1883 Raju pandey 2021.06.30 400,000.00 2022.06.30 222,191.00 Business Loan
Observation:
Name, Citizenship & Signature &
Signature of Loan Signature of Loan Signature of Loan 3 MONTHS OF
Signature of Guarantor / Sufficiency of Guarantee Amount Thumb of
File Preparer File Checker File Approver MEMBERSHIP
Jamani Loanee
No Citizenship YES YES NO NO YES YES
Name & Signature of
Not Locked Photo of Loanee Family Consent Income DocumentatioPhoto of guarantor
Witness
YES YES YES NO self declared NO
Remarks :
Management Reply :
Case 3
Account No Customer Name Opening Date Granted Principal Maturity Date Loan Balance Loan Type
1879 Rabi Ratna Ranjitka 2021.06.14 500,000.00 2022.06.14 500,000.00 Home Loan
Observation:
Name, Citizenship & Signature &
Signature of Loan Signature of Loan Signature of Loan 3 MONTHS OF
Signature of Guarantor / Sufficiency of Guarantee Amount Thumb of
File Preparer File Checker File Approver MEMBERSHIP
Jamani Loanee
YES NO YES NO NO NO YES
Name & Signature of
Citizenship of the Loanee Photo of Loanee Family Consent Income DocumentatioPhoto of guarantor
Witness
YES YES YES NO self declared NO
Remarks : Photo copy of Lalpurja
Management Reply :
Case 4
Account No Customer Name Opening Date Granted Principal Maturity Date Loan Balance Loan Type
1877 Karna Bahadur Shahi 2021.05.02 500,000.00 2022.05.02 453,902.00 Business Loan
Observation:
Name, Citizenship & Signature &
Signature of Loan Signature of Loan Signature of Loan 3 MONTHS OF
Signature of Guarantor / Sufficiency of Guarantee Amount Thumb of
File Preparer File Checker File Approver MEMBERSHIP
Jamani Loanee
YES not locked YES NO YES YES NO
Name & Signature of
Citizenship of the Loanee Photo of Loanee Family Consent Income DocumentatioPhoto of guarantor
Witness
YES YES YES NO self declared NO
Remarks : No all Business Document
Management Reply :
Case 5
Account No Customer Name Opening Date Granted Principal Maturity Date Loan Balance Loan Type
1880 Ratna Shova Ranjit 2021.06.14 500000 2022.06.14 370,000.00 Home Loan
Observation:
Name, Citizenship & Signature &
Signature of Loan Signature of Loan Signature of Loan 3 MONTHS OF
Signature of Guarantor / Sufficiency of Guarantee Amount Thumb of
File Preparer File Checker File Approver MEMBERSHIP
Jamani Loanee
YES not locked YES NO YES YES YES
Name & Signature of
Citizenship of the Loanee Photo of Loanee Family Consent Income DocumentatioPhoto of guarantor
Witness
YES YES YES NO NO NO
Remarks : Photo Copy of Lalpurja of Guarantor
Management Reply :
Case 6
Account No Customer Name Opening Date Granted Principal Maturity Date Loan Balance Loan Type
1882 Sangam Thapa 2021.06.29 230000 2022.06.29 229,691.00 Home Loan
Observation:
Name, Citizenship & Signature &
Signature of Loan Signature of Loan Signature of Loan 3 MONTHS OF
Signature of Guarantor / Sufficiency of Guarantee Amount Thumb of
File Preparer File Checker File Approver MEMBERSHIP
Jamani Loanee
YES not locked YES NO YES YES YES
Name & Signature of
Citizenship of the Loanee Photo of Loanee Family Consent Income DocumentatioPhoto of guarantor
Witness
YES YES YES NO self declared NO
Remarks :
Management Reply :
Case 7
Account No Customer Name Opening Date Granted Principal Maturity Date Loan Balance Loan Type
1885 Rajan Budhathoki 2021.07.04 500000 2023.07.04 493,148.00 Business Loan
Observation:
Name, Citizenship & Signature &
Signature of Loan Signature of Loan Signature of Loan 3 MONTHS OF
Signature of Guarantor / Sufficiency of Guarantee Amount Thumb of
File Preparer File Checker File Approver MEMBERSHIP
Jamani Loanee
Not complete not locked YES NO YES YES YES
Name & Signature of
Citizenship of the Loanee Photo of Loanee Family Consent Income DocumentatioPhoto of guarantor
Witness
YES YES YES NO NO NO
Remarks :
Management Reply :
Case 8
Account No Customer Name Opening Date Granted Principal Maturity Date Loan Balance Loan Type
1877 Karna Bahadur Shahi 2021.05.02 500000 2022.05.02 453,902.00 Business Loan
Observation:
Name, Citizenship & Signature &
Signature of Loan Signature of Loan Signature of Loan 3 MONTHS OF
Signature of Guarantor / Sufficiency of Guarantee Amount Thumb of
File Preparer File Checker File Approver MEMBERSHIP
Jamani Loanee
YES not locked YES NO YES YES NO
Name & Signature of
Citizenship of the Loanee Photo of Loanee Family Consent Income DocumentatioPhoto of guarantor
Witness
YES YES YES NO self declared NO
Remarks :
Management Reply :
Case 9
Account No Customer Name Opening Date Granted Principal Maturity Date Loan Balance Loan Type
1892 Roshan Kumar Yadav 2021.07.20 2,050,000.00 2022.04.20 1,576,388.00 Business Loan
Observation:
Name, Citizenship & Signature &
Signature of Loan Signature of Loan Signature of Loan 3 MONTHS OF
Signature of Guarantor / Sufficiency of Guarantee Amount Thumb of
File Preparer File Checker File Approver MEMBERSHIP
Jamani Loanee
YES not locked YES NO Not in all Not in all YES
Name & Signature of
Citizenship of the Loanee Photo of Loanee Family Consent Income DocumentatioPhoto of guarantor
Witness
YES YES YES NO self declared NO
Remarks :
Management Reply :
Case 10
Account No Customer Name Opening Date Granted Principal Maturity Date Loan Balance Loan Type
1889 Ramila Raut 2021.07.09 4,000,000.00 2023.07.09 331,999.00 Housing Loan
Observation:
Name, Citizenship & Signature &
Signature of Loan Signature of Loan Signature of Loan 3 MONTHS OF
Signature of Guarantor / Sufficiency of Guarantee Amount Thumb of
File Preparer File Checker File Approver MEMBERSHIP
Jamani Loanee
YES not locked YES NO YES NO YES
Name & Signature of
Citizenship of the Loanee Photo of Loanee Family Consent Income DocumentatioPhoto of guarantor
Witness
YES YES YES NO self declared YES
Remarks :
Management Reply :
Case 11
Account No Customer Name Opening Date Granted Principal Maturity Date Loan Balance Loan Type
1888 Gyanta Adhikari 2021.07.07 550,000.00 2023.07.07 550,000.00 Housing Loan
Observation:
Name, Citizenship & Signature &
Signature of Loan Signature of Loan Signature of Loan 3 MONTHS OF
Signature of Guarantor / Sufficiency of Guarantee Amount Thumb of
File Preparer File Checker File Approver MEMBERSHIP
Jamani Loanee
YES not locked YES NO YES YES YES
Name & Signature of
Citizenship of the Loanee Photo of Loanee Family Consent Income DocumentatioPhoto of guarantor
Witness
YES YES YES NO YES NO
Remarks :
Management Reply :
Case 12
Account No Customer Name Opening Date Granted Principal Maturity Date Loan Balance Loan Type
1316 Gyanta Adhikari 2018.06.14 930,000.00 2022.07.14 543,635.00 Housing Loan
Observation:
Name, Citizenship & Signature &
Signature of Loan Signature of Loan Signature of Loan 3 MONTHS OF
Signature of Guarantor / Sufficiency of Guarantee Amount Thumb of
File Preparer File Checker File Approver MEMBERSHIP
Jamani Loanee
YES not locked YES NO Not in all Not in all YES
Name & Signature of
Citizenship of the Loanee Photo of Loanee Family Consent Income DocumentatioPhoto of guarantor
Witness
YES YES YES NO YES NO
Remarks : 1857 account numb
er is missing
Management Reply :
Case 13
Account No Customer Name Opening Date Granted Principal Maturity Date Loan Balance Loan Type
1910 Bishnu Kumar Shrestha 2021.08.10 200,000.00 2022.08.10 196,685.00 Housing Loan
Observation:
Name, Citizenship & Signature &
Signature of Loan Signature of Loan Signature of Loan 3 MONTHS OF
Signature of Guarantor / Sufficiency of Guarantee Amount Thumb of
File Preparer File Checker File Approver MEMBERSHIP
Jamani Loanee
YES not locked YES NO NO NO YES
Name & Signature of
Citizenship of the Loanee Photo of Loanee Family Consent Income DocumentatioPhoto of guarantor
Witness
YES YES NO NO
Remarks :
Management Reply :
Case 14
Account No Customer Name Opening Date Granted Principal Maturity Date Loan Balance Loan Type
1870 Nischal Kumar Lama 2021.04.19 500,000.00 2022.04.19 259,447.00 Housing Loan
Observation:
Name, Citizenship & Signature &
Signature of Loan Signature of Loan Signature of Loan 3 MONTHS OF
Signature of Guarantor / Sufficiency of Guarantee Amount Thumb of
File Preparer File Checker File Approver MEMBERSHIP
Jamani Loanee
YES not locked YES NO NO YES YES
Name & Signature of
Citizenship of the Loanee Photo of Loanee Family Consent Income DocumentatioPhoto of guarantor
Witness
YES YES YES NO YES NO
Remarks :
Management Reply :
Case 15
Account No Customer Name Opening Date Granted Principal Maturity Date Loan Balance Loan Type
1868 Komal Thapa 2021.04.19 300,000.00 2022.04.19 299,800.00 House Loan
Observation:
Name, Citizenship & Signature &
Signature of Loan Signature of Loan Signature of Loan 3 MONTHS OF
Signature of Guarantor / Sufficiency of Guarantee Amount Thumb of
File Preparer File Checker File Approver MEMBERSHIP
Jamani Loanee
YES not locked YES NO YES YES NO
Name & Signature of
Citizenship of the Loanee Photo of Loanee Family Consent Income DocumentatioPhoto of guarantor
Witness
YES YES YES NO self declared NO
Remarks :
Management Reply :
Case 16
Account No Customer Name Opening Date Granted Principal Maturity Date Loan Balance Loan Type
1919 Suichchha Ghimire 2021.08.17 235,000.00 2023.02.17 156,763.00 House Loan
Observation:
Name, Citizenship & Signature &
Signature of Loan Signature of Loan Signature of Loan 3 MONTHS OF
Signature of Guarantor / Sufficiency of Guarantee Amount Thumb of
File Preparer File Checker File Approver MEMBERSHIP
Jamani Loanee
YES not locked YES NO Not in all Not in all YES
Name & Signature of
Citizenship of the Loanee Photo of Loanee Family Consent Income DocumentatioPhoto of guarantor
Witness
YES YES YES NO YES NO
Remarks : date is not up to date
Management Reply :
Case 17
Account No Customer Name Opening Date Granted Principal Maturity Date Loan Balance Loan Type
1923 Radhe Shyam Duwal 2021.08.19 250,000.00 2022.02.19 147,515.00 Business Loan
Observation:
Name, Citizenship & Signature &
Signature of Loan Signature of Loan Signature of Loan 3 MONTHS FOF
Signature of Guarantor / Sufficiency of Guarantee Amount Thumb of
File Preparer File Checker File Approver MEMBERSHIP
Jamani Loanee
YES not locked YES NO Not in all Not in all YES
Name & Signature of
Citizenship of the Loanee Photo of Loanee Family Consent Income DocumentatioPhoto of guarantor
Witness
Not Sign YES YES NO YES NO
Remarks :
Management Reply :
Case 18
Account No Customer Name Opening Date Granted Principal Maturity Date Loan Balance Loan Type
1896 Sudip Dotel 2021.07.23 500,000.00 2022.07.23 430,970.00 Business Loan
Observation:
Name, Citizenship & Signature &
Signature of Loan Signature of Loan Signature of Loan 3 MONTHS OF
Signature of Guarantor / Sufficiency of Guarantee Amount Thumb of
File Preparer File Checker File Approver MEMBERSHIP
Jamani Loanee
YES not locked YES NO YES YES YES
Name & Signature of
Citizenship of the Loanee Photo of Loanee Family Consent Income DocumentatioPhoto of guarantor
Witness
YES YES YES NO YES Not all
Remarks : Not all Business Document
Management Reply :
Case 19
Account No Customer Name Opening Date Granted Principal Maturity Date Loan Balance Loan Type
1743 Binod Chudal 2020.08.13 560,593.00 2022.08.16 461,859.00 House Loan
Observation:
Name, Citizenship & Signature &
Signature of Loan Signature of Loan Signature of Loan 3 MONTHS OF
Signature of Guarantor / Sufficiency of Guarantee Amount Thumb of
File Preparer File Checker File Approver MEMBERSHIP
Jamani Loanee
Not sign not locked YES NO YES YES YES
Name & Signature of
Citizenship of the Loanee Photo of Loanee Family Consent Income DocumentatioPhoto of guarantor
Witness
YES YES YES NO Self Delcare Not both photo
Remarks : No Application Form of Rs 60593
Management Reply :
Case 20
Account No Customer Name Opening Date Granted Principal Maturity Date Loan Balance Loan Type
1839 Harisaran Dangol 2021.03.01 240,000.00 2022.03.01 240,000.00 House Loan
Observation:
Name, Citizenship & Signature &
Signature of Loan Signature of Loan Signature of Loan 3 MONTHS OF
Signature of Guarantor / Sufficiency of Guarantee Amount Thumb of
File Preparer File Checker File Approver MEMBERSHIP
Jamani Loanee
Not sign, citizenship in all not locked YES NO YES YES YES
Name & Signature of
Citizenship of the Loanee Photo of Loanee Family Consent Income DocumentatioPhoto of guarantor
Witness
YES YES YES NO Self Declear NO
Remarks :
Management Reply :
Case 21
Account No Customer Name Opening Date Granted Principal Maturity Date Loan Balance Loan Type
1956 Gayatri Lamichhane 2021.10.25 3,500,000.00 2023.10.25 1,911,096.00 Housing loan
Observation:
Name, Citizenship & Signature &
Signature of Loan Signature of Loan Signature of Loan 3 MONTHS OF
Signature of Guarantor / Sufficiency of Guarantee Amount Thumb of
File Preparer File Checker File Approver MEMBERSHIP
Jamani Loanee
YES not locked YES NA NA NA YES
Name & Signature of
Citizenship of the Loanee Photo of Loanee Family Consent Income DocumentatioPhoto of guarantor
Witness
YES YES YES NO Self Declear NO
Remarks : No loan applicatio form of rs 3500000
Management Reply :
Case 22
Account No Customer Name Opening Date Granted Principal Maturity Date Loan Balance Loan Type
1953 Manohara Mainali 2021.10.06 300,000.00 2024.10.06 275,939.00 House Loan
Observation:
Name, Citizenship & Signature &
Signature of Loan Signature of Loan Signature of Loan 3 MONTHS OF
Signature of Guarantor / Sufficiency of Guarantee Amount Thumb of
File Preparer File Checker File Approver MEMBERSHIP
Jamani Loanee
NO sign not locked YES NO YES YES YES
Name & Signature of
Citizenship of the Loanee Photo of Loanee Family Consent Income DocumentatioPhoto of guarantor
Witness
YES YES NO NO Self Declear NO
Remarks :
Management Reply :
Case 23
Account No Customer Name Opening Date Granted Principal Maturity Date Loan Balance Loan Type
1968 Manohara Mainali 2021.11.14 1,500,000.00 2022.06.14 1,500,000.00 Housing Loan
Observation:
Name, Citizenship & Signature &
Signature of Loan Signature of Loan Signature of Loan 3 MONTHS OF
Signature of Guarantor / Sufficiency of Guarantee Amount Thumb of
File Preparer File Checker File Approver MEMBERSHIP
Jamani Loanee
No Sign not locked YES NO NO NO YES
Name & Signature of
Citizenship of the Loanee Photo of Loanee Family Consent Income DocumentatioPhoto of guarantor
Witness
YES YES NO NO Self Declear NO
Remarks :
Management Reply :
Case 24
Account No Customer Name Opening Date Granted Principal Maturity Date Loan Balance Loan Type
1805 Khemraj Pokharel 2021.01.19 1,000,000.00 2022.01.19 1,000,000.00 Business Loan
Observation:
Name, Citizenship & Signature &
Signature of Loan Signature of Loan Signature of Loan 3 MONTHS OF
Signature of Guarantor / Sufficiency of Guarantee Amount Thumb of
File Preparer File Checker File Approver MEMBERSHIP
Jamani Loanee
No Citizenship not locked YES NO NO YES YES
Name & Signature of
Citizenship of the Loanee Photo of Loanee Family Consent Income DocumentatioPhoto of guarantor
Witness
YES YES YES NO Self Declear NO
Remarks : No Guarantee amount , not all business document
Management Reply :
Case 25
Account No Customer Name Opening Date Granted Principal Maturity Date Loan Balance Loan Type
1908 Rajan Prasad Mainali 2021.08.06 1,500,000.00 2022.08.06 1,492,885.00 Business Loan
Observation:
Name, Citizenship & Signature &
Signature of Loan Signature of Loan Signature of Loan 3 MONTHS OF
Signature of Guarantor / Sufficiency of Guarantee Amount Thumb of
File Preparer File Checker File Approver MEMBERSHIP
Jamani Loanee
NO not locked YES NO NO NO YES
Name & Signature of
Citizenship of the Loanee Photo of Loanee Family Consent Income DocumentatioPhoto of guarantor
Witness
YES YES YES NO Self Declear NA
Remarks : Not all Business Document, No Gurantee amount
Management Reply :
Case 26
Account No Customer Name Opening Date Granted Principal Maturity Date Loan Balance Loan Type
1955 Damail Si Bal 2021.10.22 1,000,000.00 2022.04.22 1,000,000.00 Housing Loan
Observation:
Name, Citizenship & Signature &
Signature of Loan Signature of Loan Signature of Loan 3 MONTHS OF
Signature of Guarantor / Sufficiency of Guarantee Amount Thumb of
File Preparer File Checker File Approver MEMBERSHIP
Jamani Loanee
No Sign not locked YES NO NO YES YES
Name & Signature of
Citizenship of the Loanee Photo of Loanee Family Consent Income DocumentatioPhoto of guarantor
Witness
YES NO NO NO Self Declear NO
Remarks :
Management Reply :
Case 27
Account No Customer Name Opening Date Granted Principal Maturity Date Loan Balance Loan Type
1963 Uttam Kumar Pathak 2021.11.03 1,000,000.00 2022.11.03 1,000,000.00 Business Loan
Observation:
Name, Citizenship & Signature &
Signature of Loan Signature of Loan Signature of Loan 3 MONTHS OF
Signature of Guarantor / Sufficiency of Guarantee Amount Thumb of
File Preparer File Checker File Approver MEMBERSHIP
Jamani Loanee
NO not locked YES NO NO YES YES
Name & Signature of
Citizenship of the Loanee Photo of Loanee Family Consent Income DocumentatioPhoto of guarantor
Witness
YES YES YES NO Self Declear NO
Remarks :
Management Reply :
Case 28
Account No Customer Name Opening Date Granted Principal Maturity Date Loan Balance Loan Type
1262 Posindar Das Tatma 2018.05.30 2,242,017.00 2022.02.28 1,333,847.00 Business Loan
Observation:
Name, Citizenship & Signature &
Signature of Loan Signature of Loan Signature of Loan 3 MONTHS OF
Signature of Guarantor / Sufficiency of Guarantee Amount Thumb of
File Preparer File Checker File Approver APPROVAL
Jamani Loanee
Not citizenship Not Locked YES NO YES YES YES
Name & Signature of
Citizenship of the Loanee Photo of Loanee Family Consent Income DocumentatioPhoto of guarantor
Witness
YES YES YES NO Self Decleared NO
Remarks : Not Gurantor amount
Management Reply :
Case 29
Account No Customer Name Opening Date Granted Principal Maturity Date Loan Balance Loan Type
1285 Chitra Bdr. Dahal 2018.05.31 2,856,787.00 2023.07.31 1,914,344.00 Business Loan
Observation:
Name, Citizenship & Signature &
Signature of Loan Signature of Loan Signature of Loan 3 MONTHS OF
Signature of Guarantor / Sufficiency of Guarantee Amount Thumb of
File Preparer File Checker File Approver MEMBERSHIP
Jamani Loanee
Only Name Not Locked YES NO NO NO YES
Name & Signature of
Citizenship of the Loanee Photo of Loanee Family Consent Income DocumentatioPhoto of guarantor
Witness
YES YES YES NO Self Decleared NO
Remarks :
Management Reply :
Case 30
Account No Customer Name Opening Date Granted Principal Maturity Date Loan Balance Loan Type
1328 Prabin Kumar Bohora 2018.07.02 481,087.00 2022.04.02 427,982.00 Business Loan
Observation:
Name, Citizenship & Signature &
Signature of Loan Signature of Loan Signature of Loan 3 MONTHS OF
Signature of Guarantor / Sufficiency of Guarantee Amount Thumb of
File Preparer File Checker File Approver MEMBERSHIP
Jamani Loanee
YES Not Locked YES NO YES Not YES
Name & Signature of
Citizenship of the Loanee Photo of Loanee Family Consent Income DocumentatioPhoto of guarantor
Witness
YES YES YES NO self declaredd YES
Remarks : No Loan applicati form of rs 417000
Management Reply :
Case 31
Account No Customer Name Opening Date Granted Principal Maturity Date Loan Balance Loan Type
1321 Anit Adhikari 2018.06.21 1,616,555.00 2022.07.02 1,316,049.00 Business Loan
Observation:
Name, Citizenship & Signature &
Signature of Loan Signature of Loan Signature of Loan 3 MONTHS OF
Signature of Guarantor / Sufficiency of Guarantee Amount Thumb of
File Preparer File Checker File Approver MEMBERSHIP
Jamani Loanee
No sign and Citizenship Not Locked YES NO NO NO YES
Name & Signature of
Citizenship of the Loanee Photo of Loanee Family Consent Income DocumentatioPhoto of guarantor
Witness
YES NO YES NO Self Decleared Not all
Remarks :loanee has mention his name in Gurantor
Management Reply :
Case 32
Account No Customer Name Opening Date Granted Principal Maturity Date Loan Balance Loan Type
1320 Yamuna Adhikari 2018.06.21 1,624,585.00 2022.07.02 1,316,049.00 Business Loan
Observation:
Name, Citizenship & Signature &
Signature of Loan Signature of Loan Signature of Loan 3 MONTHS OF
Signature of Guarantor / Sufficiency of Guarantee Amount Thumb of
File Preparer File Checker File Approver MEMBERSHIP
Jamani Loanee
No Citizenship Not Locked YES NO YES NO YES
Name & Signature of
Citizenship of the Loanee Photo of Loanee Family Consent Income DocumentatioPhoto of guarantor
Witness
YES YES YES NO Self Decleared YES
Remarks : Guranteed amount not enough
Management Reply :
Case 33
Account No Customer Name Opening Date Granted Principal Maturity Date Loan Balance Loan Type
1395 Gateway Academy 2018.09.17 4,266,979.00 2022.01.17 1,751,534.00 Business Loan
Observation:
Name, Citizenship & Signature &
Signature of Loan Signature of Loan Signature of Loan 3 MONTHS OF
Signature of Guarantor / Sufficiency of Guarantee Amount Thumb of
File Preparer File Checker File Approver MEMBERSHIP
Jamani Loanee
Not Sign in all Not Locked YES NO NO YES YES
Name & Signature of
Citizenship of the Loanee Photo of Loanee Family Consent Income DocumentatioPhoto of guarantor
Witness
NO NA NA NA NO YES
Remarks : No income Statement and Company is in loss
Management Reply :
Account No Customer Name Opening Date Granted Principal Maturity Date Loan Balance Loan Type
Observation:
Name, Citizenship & Signature &
Signature of Loan Signature of Loan Signature of Loan
Signature of Guarantor / Sufficiency of Guarantee Amount Thumb of
File Preparer File Checker File Approver
Jamani Loanee
Remarks :
Management Reply :
Case 1
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
1757 Bekha lal Shrestha 2020.10.15 10,000,000.00 2022.10.15 65,808.00 Land Loan
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
Land YES 26,352,000 YES YES YES 10,000,000
Signature of Loan File Signature of Loan File Signature of Loan 3 Month of
Photo of Property Charkilla Field Visit Report
Preparer Checker File Approver Membership ?
YES YES NO NO YES YES No
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
2 Witness/YES NO
Case 2
Account No Customer Name Opening Date Granted Principal Maturity Date Loan Balance Loan Type
1939 Sita Bhattarai 2021.09.20 36820239 2022.03.20 35,951,730.00 Land Loan
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
Land YES 40,346,880 YES YES YES 30,000,000
Signature of Loan File Signature of Loan File Signature of Loan
Photo of Property Charkilla Field Visit Report 3 month of membership
Preparer Checker File Approver
YES YES NO NO NO NO NO
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NA NA YES
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
Land and Building YES 17,293,000 YES YES YES 9,000,000
Signature of Loan File Signature of Loan File Signature of Loan 3 MONTH OF
Photo of Property Charkilla Field Visit Report
Preparer Checker File Approver MEMBERSHIP
YES YES NO NO NO NO NO
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NA NA YES
Case 4
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
1971 Salikram Pudasaini 2021.11.22 5,000,000.00 2022.11.22 5,000,000.00 Land Loan
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
Land YES 9,555,000.00 YES YES YES 9,500,000
Signature of Loan File Signature of Loan File Signature of Loan 3 MONTH OF
Photo of Property Charkilla Field Visit Report
Preparer Checker File Approver MEMBERSHIP
YES YES NO NO Not in all Not in all YES
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NA NA YES
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
Land YES 18,624,000 YES YES YES 15,000,000
Signature of Loan File Signature of Loan File
Photo of Property Charkilla Field Visit Report Signature of Loan File Approver
Preparer Checker
YES YES NO NO NO NO
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NO Not all Document YES
NA YES YES NO NA
Remarks : No account number in file
Management Reply :
Case 6
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
1684 Samjhana Dhungana 2020.02.17 20,000,000.00 2022.02.17 468,963.00 Land Loan
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
Land YES 15,189,399 NO YES YES 15,000,000
Signature of Loan File Signature of Loan File Signature of Loan 3 MONTHS OF
Photo of Property Charkilla Field Visit Report
Preparer Checker File Approver MEMBERSHIP
YES YES NO NO Not in all NO YES
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NA NA YES
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
Land NO NO NO YES YES 2,900,000
Signature of Loan File Signature of Loan File Signature of Loan 3 MONTH OF
Photo of Property Charkilla Field Visit Report
Preparer Checker File Approver APROVAL
NO NO NO NO NO NO YES
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NO NO YES
Case 8
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
1115 Uttam Raj Bhandari 2017.12.12 same 5,995,884.00 2022.04.12 5,516,924.00 home loan
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
Land NO NA NA YES YES 4,000,000
Signature of Loan File Signature of Loan File Signature of Loan 3 MONTHS OF
Photo of Property Charkilla Field Visit Report
Preparer Checker File Approver MEMBERSHIP
NO NO NO NO Not in all Not in all YES
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NO NO YES
Remarks : 1117 Account no doesnot matches with Summary account number and Amount Figure is mistaken in Pratigha Patra and date is not updated in loan application firm
Management Reply :
Case 9
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
1115/1116 Uttam Raj Bhandari 2017.12.12 same 8,129,856.00 2022.10.12 7,808,360.00 Land loan
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
Land NO NA NA YES YES 4,000,000
Signature of Loan File Signature of Loan File Signature of Loan 3 MONTHS OF
Photo of Property Charkilla Field Visit Report
Preparer Checker File Approver MEMBERSHIP
NO NO NO NO Not in all Not in all YES
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NO NO YES
Case 10
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
1556 Bhim Prasad Paudel 2019.07.16 6,751,384.00 2022.10.16 6,598,672.00 Business Loan
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
Land NO NA NA YES YES 1,000,000
Signature of Loan File Signature of Loan File Signature of Loan 3 MONTHS OF
Photo of Property Charkilla Field Visit Report
Preparer Checker File Approver MEMBERSHIP
NO NO NO NO NO NO YES
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NO Nat all Document YES
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
Land NO NO YES YES YES 2,900,000
Signature of Loan File Signature of Loan File Signature of Loan 3 MONTHS OF
Photo of Property Charkilla Field Visit Report
Preparer Checker File Approver MEMBERSHIP
NO NO NO NO NO NO YES
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NO NO YES
Case 12
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
1065 Shiva Pd. Neupane 2017.09.20 34,263,803.00 2022.01.20 33,763,801.00 Business Loan
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
Land NO NO NO YES YES 1,000,000
Signature of Loan File Signature of Loan File Signature of Loan 3 MONTHS OF
Photo of Property Charkilla Field Visit Report
Preparer Checker File Approver MEMBERSHIP
NO NO NO NO NO NO YES
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NO Not all document YES
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
Land YES 41,748,480 NO YES YES NO
Signature of Loan File Signature of Loan File Signature of Loan 3 MONTHS OF
Photo of Property Charkilla Field Visit Report
Preparer Checker File Approver MEMBERSHIP
YES YES NO NO NO NO YES
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NO YES
Case 14
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
1909 Chabi Raman Niraula 2021.08.08 10,265,368.00 2022.02.08 9,999,028.00 Housing Loan
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
NO NO NO NO NO NO NO
Signature of Loan File Signature of Loan File Signature of Loan 3 MONTHS OF
Photo of Property Charkilla Field Visit Report
Preparer Checker File Approver MEMBERSHIP
NA NO NO NO NO YES
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NA NA YES
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
Land YES 4,435,000 NO YES YES 2,450,000
Signature of Loan File Signature of Loan File Signature of Loan 3 MONTHS OF
Photo of Property Charkilla Field Visit Report
Preparer Checker File Approver MEMBERSHIP
YES YES NO NO NO Not all NO
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NA NA YES
Case 16
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
1842 Raj Kumar Koirala 2021.03.07 11,015,000.00 2026.03.07 9,978,446.00 Housing Loan
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
Land YES 9,088,000 NO YES YES 10,000,000
Signature of Loan File Signature of Loan File
Photo of Property Charkilla Field Visit Report Signature of Loan File Approver
Preparer Checker
YES YES NO NO YES YES
Projection of Business Documents ( Registration, PAN, MOA
YES Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
NO NA NA YES
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
NA NA NA NA NA NA NA
Signature of Loan File Signature of Loan File Signature of Loan 3 MONTHS OF
Photo of Property Charkilla Field Visit Report
Preparer Checker File Approver MEMBERSHIP
NA NA NA NO YES YES YES
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NA NO Registration, PAN, AOA,MOA, Share Lagat YES
Case 18
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
1890 Gore Tamang 2021.07.15 12,317,056.00 2024.08.15 12,113,905.00 Business loan
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
Land NO NO NA YES NO NO
Signature of Loan File Signature of Loan File Signature of Loan 3 MONTHS OF
Photo of Property Charkilla Field Visit Report
Preparer Checker File Approver MEMBERSHIP
NO NO NO NO Not in all Not in all YES
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NO OLD Document YES
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
Land NO NO NA YES NO NO
Signature of Loan File Signature of Loan File Signature of Loan 3 MONTHS OF
Photo of Property Charkilla Field Visit Report
Preparer Checker File Approver MEMBERSHIP
NO NO NO NO NO YES YES
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NA NA NO
Case 20
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
1616 Dipak Raj Aryal 2019.11.21 6,566,784.00 2021.12.21 6,566,784.00 Business Loan
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
Land NO NO NO YES YES 4,000,000
Signature of Loan File Signature of Loan File Signature of Loan 3 MONTHS OF
Photo of Property Charkilla Field Visit Report
Preparer Checker File Approver MEMBERSHIP
NO NO NO NO YES YES YES
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NO YES
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
Land/ Building YES 6,076,000 NO Photocopy NO NA
Signature of Loan File Signature of Loan File Signature of Loan 3 MONTHS OF
Photo of Property Charkilla Field Visit Report
Preparer Checker File Approver MEMBERSHIP
YES NO NO NO NO in all NOT in all YES
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NA NA YES
Case 22
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
1641 Kalpana Dhakal Poudel 2019.12.25 5,344,258.00 2022.02.25 5,320,397.00 Housing Loan
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
Land YES 7,088,640 YES YES YES 4,000,000
Signature of Loan File Signature of Loan File Signature of Loan 3 MONTHS OF
Photo of Property Charkilla Field Visit Report
Preparer Checker File Approver MEMBERSHIP
YES NO NO NO YES YES YES
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NA NA YES
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
Land/ Building YES 7,988,000 NO PHOTOCOPY NO NA
Signature of Loan File Signature of Loan File Signature of Loan File 3 MONTHS OF
Photo of Property Charkilla Field Visit Report
Preparer Checker Approver MEMBERSHIP
YES YES YES YES NO
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NA NA YES
Case 24
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
1692 Radha Kadariya 2020.02.25 7,000,000.00 2022.02.25 6,995,205.00 Home Loan
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
NA NA NA NA NA NA NA
Signature of Loan File Signature of Loan File Signature of Loan 3 MONTHS OF
Photo of Property Charkilla Field Visit Report
Preparer Checker File Approver MEMBERSHIP
NA NA NA NO NO NO YES
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NA NA YES
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
Land and Building YES 7,368,000 NO YES YES 4,950,000
Signature of Loan File Signature of Loan File Signature of Loan 3 MONTHS OF
Photo of Property Charkilla Field Visit Report
Preparer Checker File Approver MEMBERSHIP
YES YES NO NO Not in all Not in all YES
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NA NA YES
Case 26
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
1703 Khagendra Budhamager 2020.03.11 142,301,748.00 2025.09.11 142,301,748.00 Business Loan
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
Land YES 48,868,000 NO YES YES 55,000,000
Signature of Loan File Signature of Loan File Signature of Loan 3 MONTHS OF
Photo of Property Charkilla Field Visit Report
Preparer Checker File Approver MEMBERSHIP
YES YES NO NO Not in all Not in all YES
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NO FS YES
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
Land YES 1,442,448 YES YES YES 900,000
Signature of Loan File Signature of Loan File
Photo of Property Charkilla Field Visit Report Signature of Loan File Approver
Preparer Checker
NO YES NO NO NO
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NA NA YES
Case 28
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
1972 Yadu Shankhar B.K 2021.11.22 1,000,000.00 2022.05.22 1,000,000.00 Housing Loan
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
Land YES 2,170,000 YES YES YES 1,000,000
Signature of Loan File Signature of Loan File Signature of Loan 3 MONTHS OF
Photo of Property Charkilla Field Visit Report
Preparer Checker File Approver MEMBERSHIP
YES YES NO NO NO NO
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NA NA YES
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
Land YES 2,170,000 YES YES YES 1,000,000
Signature of Loan File Signature of Loan File Signature of Loan 3 MONTHS OF
Photo of Property Charkilla Field Visit Report
Preparer Checker File Approver MEMBERSHIP
YES YES NO NO NO YES NO
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NA NA YES
Case 30
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
1995 Amrit Aryal 2022.01.07 2,000,000.00 2023.01.07 1,955,658.00 Business Loan
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
NO NO NA NA Photocopy NO NO
Signature of Loan File Signature of Loan File Signature of Loan 3 MONTHS OF
Photo of Property Charkilla Field Visit Report
Preparer Checker File Approver MEMBERSHIP
NO NA NA NO NO NO YES
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NO NO YES
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
Land NO NA NA NA NA NA
Signature of Loan File Signature of Loan File Signature of Loan 3 MONTHS OF
Photo of Property Charkilla Field Visit Report
Preparer Checker File Approver APROVAL
NO NO NO NO YES YES YES
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NA NA YES
Case 32
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
1802 Kamalesh Khadka 2021.01.13 2,650,000.00 2022.01.13 2,584,848.00 Business Loan
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
NO NA NA NA NA NA NA
Signature of Loan File Signature of Loan File Signature of Loan 3 MONTHS OF
Photo of Property Charkilla Field Visit Report
Preparer Checker File Approver MEMBERSHIP
NA NA NA NO NO NO YES
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NO Not all YES
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
Fixed Deposit NA NA NA NA NA NA
Signature of Loan File Signature of Loan File Signature of Loan 3 MONTHS OF
Photo of Property Charkilla Field Visit Report
Preparer Checker File Approver MEMBERSHIP
NO NA NA NO YES YES YES
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NO NO YES
Case 34
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
1874 Jayanti Nepal 2021.04.27 1,500,000.00 2023.04.27 1,500,000.00 Housing Loan
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
Land YES 7,868,762 YES Photocopy NO NO
Signature of Loan File Signature of Loan File Signature of Loan 3 MONTHS OF
Photo of Property Charkilla Field Visit Report
Preparer Checker File Approver MEMBERSHIP
YES YES NO YES YES YES
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NA NA YES
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
Fixed Deposit NA NA NA NA NA NA
Signature of Loan File Signature of Loan File Signature of Loan 3 MONTHS OF
Photo of Property Charkilla Field Visit Report
Preparer Checker File Approver MEMBERSHIP
NA NA NA NO NO NO YES
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NA NA YES
Case 36
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
1680 Haribansa Kadariya 2020.02.09 4,446,831.00 2022.03.09 4,314,912.00 Business Loan
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
Land NO NO NO Photocopy NO NO
Signature of Loan File Signature of Loan File Signature of Loan 3 months of
Photo of Property Charkilla Field Visit Report
Preparer Checker File Approver MEMBERSHIP
NO NO NO NO YES YES NO
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NO Not all YES
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
NO NA NA NA NA NA NA
Signature of Loan File Signature of Loan File Signature of Loan 3 MONTHS OF
Photo of Property Charkilla Field Visit Report
Preparer Checker File Approver MEMBERSHIP
NO NA NA NO YES YES YES
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NA NA YES
NO NO NO Self Declear NO
Remarks : No Document in File
Management Reply :
Case 38
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
1853 Rama Nath Shrestha 2021.03.19 3,000,000.00 2024.06.19 3,000,000.00 Housing Loan
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
NO NA NA NA NA NA NA
Signature of Loan File Signature of Loan File Signature of Loan 3 MONTHS OF
Photo of Property Charkilla Field Visit Report
Preparer Checker File Approver MEMBERSHIP
NO NA NA NO YES YES YES
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NA NA YES
NO NO NO Self Declear NO
NO
Management Reply :
Case 39
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
1120 Nirmala Devi Neupane 2017.12.15 5,678,777.00 2022.07.15 3,768,951.00 Business Loan
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
Land and Building YES 7,924,000 YES YES 4,000,000
Signature of Loan File Signature of Loan File Signature of Loan 3 MONTHS OF
Photo of Property Charkilla Field Visit Report
Preparer Checker File Approver MEMBERSHIP
NO NO NO NO YES YES NO
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES YES NO Not all Document YES
Case 40
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
1186 Gori Maya Tamang 2018.03.07 2,733,743.00 2022.09.07 1,200,000.00 Business Loan
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
Land and Building YES 8,038,395 YES YES YES 3,900,000
Signature of Loan File Signature of Loan File Signature of Loan 3 MONTHS OF
Photo of Property Charkilla Field Visit Report
Preparer Checker File Approver MEMBERSHIP
NO NO NO NO YES YES NO
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NA Not all Document YES
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
NO NA NA NA NA NA NA
Signature of Loan File Signature of Loan File Signature of Loan 3 MONTHS OF
Photo of Property Charkilla Field Visit Report
Preparer Checker File Approver MEMBERSHIP
NA NA NA NO YES YES YES
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NO Not all Document YES
Case 42
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
1283 Saraswati Kumari Chaudhari 2018.05.30 1,860,000.00 2022.06.30 1,136,909.00 Business Loan
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
Land NO NO NA YES YES 1,500,000
Signature of Loan File Signature of Loan File Signature of Loan 3 MONTHS OF
Photo of Property Charkilla Field Visit Report
Preparer Checker File Approver MEMBERSHIP
NO NO NO NO Not in all Not in all YES
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NO NO YES
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
FD NA NA YES NA NO NO
Signature of Loan File Signature of Loan File Signature of Loan 3 MONTHS OF
Photo of Property Charkilla Field Visit Report
Preparer Checker File Approver MEMBERSHIP
NA NA NA NO YES NO YES
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NA NA YES
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
NO NA NA NA NA NA NA
Signature of Loan File Signature of Loan File Signature of Loan 3 MONTHS OF
Photo of Property Charkilla Field Visit Report
Preparer Checker File Approver MEMBERSHIP
NA NA NA NO YRS NO YES
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NO Not all document YES
CASE 45
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
1405 Saroj Pokharel 2018.09.28 1,456,199.00 2022.12.28 1,264,996.00 Business Loan
Observation:
Engineering Valuation(for 10 Lakhs and
Type of Collateral Distress Value Adequacy of Valuation Original Lalpurja ? Dristibandhak Dristibandhak Amount
above)
NO NA NA NA NA NA NA
Signature of Loan File Signature of Loan File Signature of Loan 3 MONTHS OF
Photo of Property Charkilla Field Visit Report
Preparer Checker File Approver MEMBERSHIP
NA NA NA NO YES NO YES
Projection of Business Documents ( Registration, PAN, MOA
Tamashuk Family Consent Signature & Thumb of Loanee
Business & AOA and Latest Audited Financials)
YES NO NO Not all documents YES
Also Print Preview to be arranged so that 2 cases could be printed in a Landscape page
Replace Sakshi with Tamashuk
dhan jamani ?
ONLY AMOUNT MAINSEN
granted amount more than tamshuk amount ?
10105744
280715.1 6,737,162.67
CASE -- 1
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
Observation:
Vehicle in Extra key of
Value of Vehicle/Purchase Citizenship of the
Cooperative's Insurance Photo of Vehicle vehicle with Photo of Loanee
Price Loanee
Name Cooperative
Signature Of
Signature of Signature of Family Signature of Income
Loan File Signature of Checker
Approver Witness / Sakshi Consent Guarantor / Jamani Documentation
Preparer
Branch Loan
CASE -- 2
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
3012000097 Krishna pokharel 2077/03/02 1,465,000.00 2078/03/02 1,465,000.00 Hire Purchase Loan
Observation:
Vehicle in Extra key of
Value of Vehicle/Purchase Citizenship of the
Cooperative's Insurance Photo of Vehicle vehicle with Photo of Loanee
Price Loanee
Name Cooperative
No Document In
Not Available No No No No No
the file
Signature Of
Signature of Signature of Family Signature of Income
Loan File Signature of Checker
Approver Witness / Sakshi Consent Guarantor / Jamani Documentation
Preparer
Yes Yes Yes No No No No
Remarks: Most of forms in the loan file are incomplete and unsigned(no thumb print).
CASE -- 3
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
3012000106 DEPENDRA POKHAREL 2077/03/15 2,230,000.00 2078/03/15 2,230,000.00 Hire Purchase Loan
Observation:
Vehicle in Extra key of
Value of Vehicle/Purchase Citizenship of the
Cooperative's Insurance Photo of Vehicle vehicle with Photo of Loanee
Price Loanee
Name Cooperative
No Document In
Not Available No No No No No
the file
Signature Of
Signature of Signature of Family Signature of Income
Loan File Signature of Checker
Approver Witness / Sakshi Consent Guarantor / Jamani Documentation
Preparer
Yes Yes No No No No No
Remarks: Most of the forms in the loan file are incomplete and unsigned(no thumb print), no documents related to vehicle has been kept in
the file.
CASE -- 4
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
3012000107 DEPENDRA POKHAREL 2077/03/15 2,152,000.00 2078/03/15 2,152,000.00 Hire Purchase Loan
Observation:
Vehicle in Extra key of
Value of Vehicle/Purchase Citizenship of the
Cooperative's Insurance Photo of Vehicle vehicle with Photo of Loanee
Price Loanee
Name Cooperative
No Document In
Not Available No No No No No
the file
Signature Of
Signature of Signature of Family Signature of Income
Loan File Signature of Checker
Approver Witness / Sakshi Consent Guarantor / Jamani Documentation
Preparer
Yes Yes No No No No No
Remarks: Most of the forms in the loan file are incomplete and unsigned(no thumb print), no documents related to vehicle has been kept in
the file.
CASE -- 5
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
3012000108 DEPENDRA POKHAREL 2077/03/15 2,020,000.00 2078/03/15 2,020,000.00 Hire Purchase Loan
Observation:
Vehicle in Extra key of
Value of Vehicle/Purchase Citizenship of the
Cooperative's Insurance Photo of Vehicle vehicle with Photo of Loanee
Price Loanee
Name Cooperative
No Document In
Not Available No No No No No
the file
Signature Of
Signature of Signature of Family Signature of Income
Loan File Signature of Checker
Approver Witness / Sakshi Consent Guarantor / Jamani Documentation
Preparer
Yes Yes No No No No No
Remarks: Most of the forms in the loan file are incomplete and unsigned(no thumb print), no documents related to vehicle has been kept in
the file.
CASE -- 6
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
3012000085 JAY RAM POKHAREL 2076/03/30 2,045,000.00 2077/03/30 2,036,008.00 Hire Purchase Loan
Observation:
Vehicle in Extra key of
Value of Vehicle/Purchase Citizenship of the
Cooperative's Insurance Photo of Vehicle vehicle with Photo of Loanee
Price Loanee
Name Cooperative
No Document In
Not Available No No No No Yes
the file
Signature Of
Signature of Signature of Family Signature of Income
Loan File Signature of Checker
Approver Witness / Sakshi Consent Guarantor / Jamani Documentation
Preparer
Yes Yes Yes No No No No
CASE -- 7
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
DEV KRISHNA
3012000109 2077/03/24 3,548,000.00 2078/03/24 3,548,000.00 Hire Purchase
MAHARJAN
Observation:
Vehicle in Extra key of
Value of Vehicle/Purchase Citizenship of the
Cooperative's Insurance Photo of Vehicle vehicle with Photo of Loanee
Price Loanee
Name Cooperative
No Document In
Not Available No No No Yes Yes
the file
Signature Of
Signature of Signature of Family Signature of Income
Loan File Signature of Checker
Approver Witness / Sakshi Consent Guarantor / Jamani Documentation
Preparer
Remarks: Documents related to vehicle has not been kept in the loan file.
CASE -- 8
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
3012000095 AANANDA RAJ THALA 2076/08/29 1,410,000.00 2077/08/29 1,407,896.00 Hire Purchase Loan
Observation:
Vehicle in Extra key of
Value of Vehicle/Purchase Citizenship of the
Cooperative's Insurance Photo of Vehicle vehicle with Photo of Loanee
Price Loanee
Name Cooperative
No Document In
Not Available No No No No No
the file
Signature Of
Signature of Signature of Family Signature of Income
Loan File Signature of Checker
Approver Witness / Sakshi Consent Guarantor / Jamani Documentation
Preparer
Remarks: Documents related to vehicle has not been kept in the loan file.
CASE -- 9
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
LILA PRASAD
3012000099 2077/03/02 2,155,000.00 2078/03/02 2,155,000.00 Hire Purchase Loan
ADHIKARI
Observation:
Vehicle in Extra key of
Value of Vehicle/Purchase Citizenship of the
Cooperative's Insurance Photo of Vehicle vehicle with Photo of Loanee
Price Loanee
Name Cooperative
No Document In
Not Available No No No No No
the file
Signature Of
Signature of Signature of Family Signature of Income
Loan File Signature of Checker
Approver Witness / Sakshi Consent Guarantor / Jamani Documentation
Preparer
Yes Yes Yes No No No No
Remarks: Most of the forms in the loan file are incomplete and unsigned(no thumb print), no documents related to vehicle has been kept in
the file.
Branch Loan
CASE -- 1
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
Personal Loan
3011800342 Keshab Lal Shrestha 2076/03/30 3,770,000.00 2077/03/30 3,756,859.00
Observation:
Rajinama
Land No No Valuation No Valuation No No
Patra
Signature Of
Field Visit Signature of
Photo of Property Charkilla Loan File Signature of Approver
Report Checker
Preparer
No No No No
No Yes No
No
Remarks: Most of the documents in the loan form are incomplet and not signed(No Thumb Print).
CASE -- 2
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
Personal Loan
3011800436 BIDHYA DEVI AMATYA 2077/03/29 2,079,000.00 2078/03/29 2,070,823.00
Observation:
Engineering Valuation(for 10 Adequacy of Dristibandhak
Type of Collateral Distress Value Lalpurja Dristibandhak
Lakhs and above) Valuation Amount
Signature Of
Field Visit Signature of
Photo of Property Charkilla Loan File Signature of Approver
Report Checker
Preparer
No No No No
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
Personal Loan
3011800440 HIRA KAJI MAHARJAN 2077/03/30 6,887,000.00 2078/03/30 6,887,000.00
Observation:
Engineering Valuation(for 10 Adequacy of Dristibandhak
Type of Collateral Distress Value Lalpurja Dristibandhak
Lakhs and above) Valuation Amount
Signature Of
Field Visit Signature of
Photo of Property Charkilla Loan File Signature of Approver
Report Checker
Preparer
No No No No
No No No
No
Remarks: Most of the documents in the loan form are incomplet and not signed(No Thumb Print).
CASE -- 4
Account No Customer Name Opening Date Granted Principal Maturity Loan Balance Loan Type
Observation:
Engineering Valuation(for 10 Adequacy of Dristibandhak
Type of Collateral Distress Value Lalpurja Dristibandhak
Lakhs and above) Valuation Amount
Signature Of
Field Visit Signature of
Photo of Property Charkilla Loan File Signature of Approver
Report Checker
Preparer
No No No Yes No No
No No No No
No No No No
Remarks: Most of the documents in the loan form are incomplet and not signed(No Thumb Print).