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    JLG Micro Credit Scheme Appplication Cum Appraisal Form (For Financing Individuals of A JLG)

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    rajakuma1234raj

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    JLG Micro Credit Scheme Appplication Cum Appraisal Form (For Financing Individuals of A JLG)

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    rajakuma1234raj
    30 views6 pages

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    30 views6 pages

    JLG Micro Credit Scheme Appplication Cum Appraisal Form (For Financing Individuals of A JLG)

    Uploaded by

    rajakuma1234raj

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    of 6

    DAKSHIN BIHAR GRAMIN BANK

    JLG Micro Credit Scheme


    APPPLICATION CUM
    Self-attested
    APPRAISAL FORM recent
    (For financing Individuals of a JLG) photograph to be
    verified by
    Branch Official
    For office use only:
    Repeat Borrower: Yes / No
    Loan A/c number: ……………………………

    To,
    Manager BC Agent Name: ……………………………….
    Dakshin Bihar Gramin Bank Linked to Village: ………………………………
    ………………………. Branch Under Bank Branch ……………………………

    I, Sri/ Smt. ……………………………………………………………………… S/o/W/o/D/o ………….


    …………………………………. aged ……… years, resident of ……………………………………..
    Village and a member of........................................................................ (JLG Name) would like to
    apply for a loan of ₹ 30,000.00/ 50,000.00 (Rupees Thirty/ Fifty Thousand only) for the purpose
    of ……….…………………………………………………………… (Please Specify).

    I furnish the following particulars:


    1. My Main Occupation is ……………………………………. (Farm Sector)
    2. I Belong to: SC/ ST/ OBC/ Minority Community/ Others
    3. Full Address : Village ………………………………. Gram Panchay at …………………………
    Post Office ……………………………. PS …………………………. District ……………………
    PIN ……………………………. State …………………………
    4. Savings Bank A/c Number (1) …………………………….. (2) .………………………….…
    Name of the Bank (1) DBGB (2) …………………………………...
    Name of the Branch (1) ……………………………… (2) …………………………………...
    5. Particulars of Movable Property owned by the Family
    SN Type of Asset Approximate Market Value
    1 House ₹
    2 Land (Agricultural / others) ₹
    3 Livestock (specify) ……………… ₹
    4 Agricultural Equipment ₹
    5. Vehicles ₹
    6. Any Other(specify)………………….. ₹

    Page 1 of 6
    DAKSHIN BIHAR GRAMIN BANK
    6. My Family Details
    SN Name Relation Sex Age Education Occupation

    7. Income & Expenditure from Activity/Business


    Present Sources of Earnings of Applicant (Mention Activity/Business)…………….
    SN Parameter Amount
    1 Monthly Income form Activity/Business ₹
    2 Monthly Expenditure in Activity/Business ₹
    3 Monthly Surplus from the Activity ( 1 - 2) ₹
    Monthly Household Surplus (A – B): ₹ ………………………

    8. Details of Existing Loan:


    SN Particulars Details
    1 Source (Bank/NBFC etc) 1. 2.
    2 Purpose ₹ ₹
    3 Amount Borrowed ₹ ₹
    4 Amount Due ₹ ₹
    5 EMI/EWI/EFI ₹ ₹

    9. Nomination
    In case of my death/permanent disability, my nominee …………………………………………….
    who is my ……………………………… (relationship with customer) aged
    ……………………….. years, resident of …………………………………………………………...
    shall be entitled to receive from and settle any claims to Bank on my behalf.

    Applicant’s Name Signature


    Place: Date:
    Due Diligence at BC Agent Level:
    JLG Scorecard Score: CIC Score:
    Comments of BC Agent on:
    1. Activity of Applicant:
    2. Family income:
    3. Reputation at Locality:
    4. Credit worthiness of Applicant:
    5. Credit record/ information of applicant:

    Page 2 of 6
    DAKSHIN BIHAR GRAMIN BANK
    Credibility Check done with ________________________________________ BC Agent may
    attach separate sheet along with this form for furnishing comments in detail, if necessary.

    Signature of BC Agent
    Device ID No. CUST ID: C/A No.:
    Village:

    Report of BC Agent is verified

    Signature:
    Area Manager/ District Manager of CSP
    Name:
    Place: Date:

    PRE-DISBURSEMENT APPRAISAL OF APPLICATION FORM

    Information furnished by the applicant as above has been checked and identity/ residence/ activity
    etc. has been verified with the help of CSP/ BC Agent. Based on the information furnished:

    A loan of ₹ 30,000.00/ 50,000.00 is recommended for sanction.

    Signature of Recommending Official (Bank)


    PF No:
    As per above recommendation, loan of Rs. ₹ 30,000.00/ 50,000.00 is sanctioned.

    Interest Rate: 15.00% p.a. to be reset annually


    Security: Hypothecation of Assets
    Repayment Schedule: 15/25 monthly instalment
    Amount of Repayment: @ ₹ 560.00/ 600.00 per week to satisfy EMI of ₹ 2,240.00/ 2,400 p.m.

    Signature of Branch Manager


    PF No:
    Place:
    Date:

    Page 3 of 6
    DAKSHIN BIHAR GRAMIN BANK

    LETTER OF UNDERTAKING
    To, Dated. ……..…………
    The Manager,
    Dakshin Bihar Gramin Bank,
    ………………………………Branch.
    Dear sir
    In connection with the loan sanctioned to me/ us by…………………………… branch of
    Dakshin Bihar Gramin Bank, I/We do hereby undertake that:
    (i) At my/ our request as contained in the application, Bank has granted the following facilities:
    Term Loan: ₹ 30,000.00/ 50,000.00 only
    (ii) I/We shall pay interest in respect of the Term Loan @ 15% p.a. calculated on the daily
    balances in the loan a/c with monthly rest in accordance with the practice of the bank. I/We
    shall keep the Term Loan A/c performing in nature all the time during pendency of the loan by
    paying instalment/ principal/ interest regularly.

    (iii) Term Loan will be repaid in 15/25 EMI/EWI of ₹ ₹ 2,240.00/ 2,400 p.m, effecting through
    weekly repayment @ ₹ ₹ 560.00/ 600.00.
    (iv) I/We shall pay interest at enhanced rate, as may be fixed by the bank in case of my/ our
    default.
    (v) I/We shall at all times keep items of security as are of insurable nature, insured against loss
    or damage by fire and other risks, as may be required by the bank.

    Yours faithfully,

    Name:

    Address:……………………………………………

    Demand Promissory Note

    Place:
    Rs…………………………………………………. Date:

    On demand, I/ We jointly and severely promise to pay Dakshin Bihar Gramin Bank at their Head
    Office at Patna or at ……………………….. branch or order, notwithstanding non-presentment the
    sum of Rs............................... for value received with interest thereon @
    ______________________ percent per annum with.................. rests till the date of payment in
    full.

    Revenue
    Stamp

    Name __________________________________________
    Adress __________________________________________
    __________________________________________

    Page 4 of 6
    DAKSHIN BIHAR GRAMIN BANK

    Job Scorecard Value


    SCORE RANGE Parameter Value
    QUESTIONNAIRE
    Residential Accommodation - House Type
    Residential Accommodation - Ownership
    Education Level of main applicant
    Number of Earning Members
    Total household members (including Earning
    Members)
    Children of School going age, going to which
    type of School?
    Any permanently ill members / Drug Addict /
    Drunkard in the family?
    Ration Card

    Life Insurance Policies

    Monthly Household Income (in Rupees)


    Monthly Household Savings (in Rupees)
    Average Monthly Balance (last three months) (in
    Rupees)
    No. of Deposit Transactions in last three months
    No. of Withdrawal Transactions in last three
    months
    End Use of Loan
    Business Premises Ownership
    Manager Recommendation
    Justification for Strong Recommendation

    Signature of BC Agent
    Device ID No.
    Village:

    Page 5 of 6
    DAKSHIN BIHAR GRAMIN BANK

    Getting Norms by BCA

    Minimum Age Norms Met (21 Yrs) ? Yes


    Maximum Age Norms Met (60 Yrs) at Loan Maturity ? Yes
    Group Size is b/w 4 to 7 ? Yes
    Group is Gender Homogenous (All Male / All Female) ? Yes
    Group Members belong to same Village ? Yes
    Group Members personally know each other ? Yes
    Any of the member is politically connected ? No
    Any member in the JLG is aggressive in nature ? No
    Saving Account opened / will be opened with CSP/Bank
    Yes
    Branch ?
    Members agree for Weekly Repayment schedule ? Yes
    Members agree for Joint Liability to repay ? Yes
    All Members have own house / parental house ? Yes
    All Members have proper KYC Documents ? Yes
    End Use of Members is as per Norms ? Yes
    CICs Scorecard Norms Met ? Yes
    Monthly Income per month is greater than Rs.5000 ? Yes
    PROCEED

    Getting Norms by BM for Account Opening & Disbursement

    CRM of JLG has been made in Corporate ID Yes


    CUST ID of BCA has been used as introducer in
    Yes
    Corporate CRM (corporate ) of JLG
    CUST ID of each member has been added in related
    party of CRM (corporate) of JLG
    Loan of each member has been opened in Corporate
    ID of JLG and name of Loan account is
    “JLG Name” & “Individual Name”
    For example, if name of JLG is “Ram JLG” and its
    member are A, B, C & D, then a new Corporate
    CRM will be opened in name of “Ram JLG” and Yes
    loan account of each member will be opened in
    name of “Ram JLG, A”, “Ram JLG, B”, “Ram JLG,
    C” and “Ram JLG, D” in that Corporate CRM.

    Loan Scheme Code TLJLG


    Interest Table Code TLJLG
    Tenure 15/25 Month
    Processing Fee (1% of Rs. 30,000.00) debited Rs. 300
    Proceed for
    disbursement

    Page 6 of 6

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