idapadi: nitish electricals

M/s nithish electricals is sole proprietory concern of mrs.renuga. she was introduced to our bank by
mr.rajasekar. the concern is having current account with us. the account number is
510909010031628. the concern is dealing with retail selling of electrical goods, pvc pipes and
pumps, etc. the concern is newly started at karimangalam road, palacode.
the relevant project report is enclosed. the total cost of the project is rs.25.00 lakhs. out of which the
applicant is requesting us for a term loan of rs.20.00 lakhs repayable in 60 monthly installments.
the property owned by mrs.renuga and mrs.muthammal will be offered as security for the proposed
loan facility. the properties are approximately valued for rs.25.00 lakhs.
mrs.muthammal, proprietor of m/s nithish constructions have already availed a osod limit of
rs.60.00 lakhs with us. the acc number is 512120020002546. the account operations are satisfactory.
we kidly request you to consider a term loan of rs.20.00 lakhs repayable in 60 months on the
signatures of the applicant and her spouse, mr.rajasekar.
CITY UNION BANK LTD
CENTRAL PROCESSING CENTRE
ERODE

CERTIFICATE OF VERIFICATION
CIBIL / RBI / SAL Verification has been made with regard to the proposal submitted by
Nithish contructions which is forwarded by our Dharmapuri Branch. The details of
which are as under
a) CIBIL Verification (25.09.2014)
1. D Muthammal
Insuffficient history to score
2. D Rajasekar
Score is 750, an auto loan and 2 gold loans are availed. Operated
prompty. Auto
loan accountis with a balance of around Rs 5 lakhs
3. Nithish conctructions
Not listed
b) Caution list, Defaulters list, Willful Defaulters list of RBI could not be verified
c) Verification under Specific Approval List of ECGC does not arise with regard to
this party.

Signature of the CPC Head

CITY UNION
ADV/FILENO- 551

BANK

LTD

CENTRAL OFFICE KUMBAKONAM 612 001.

Sanction Ticket
DATE :16/12/2014

THE MANAGER
Salem-Main BRANCH.
BRCODE 042
Account No: 139434
NAME OF THE BORROWER :
SHRI/SMT/M/S :

YOUR CREDIT PROPOSAL DATE

SRI SRINIVASA SILKS

B.S.R CODE

10/12/2014

SANCTION NO

112998

PROPOSAL NO

102081

BP_ID

1804168

FACILITY TYPE

Enhancement
51303

DEPLOYMENT FLOW

NON PRIORITY-BUSINESS ENTERPRISES-WHOLESALETEXTILE, PHARMACEUTICAL

INSTRUMENT NAME

OLCC - ACCOUNT(5305)

NATURE
Adhoc limit
RATE OF INTEREST

AMOUNT
SANCTION FALLS UNDER THE

CCOD
NO
B.R. + (Plus) : 4 % P.A
(Present B.R. : 11%)
Subject to a Minimum of 15 %
Rs. 2000000/-

Twenty Lakh Only

C.M

POWERS OF
DUE DATE

REPAYMENT
TERMS

31/12/2015

ON DEMAND

DRAWING POWER
APPLICABILITY

MARGIN (%)

Yes

25

INTEREST
CALCULATION METHOD

INTEREST APPLICATION FREQUENCY

INTEREST
CATEGORY

Daily Product

Monthly

DEBIT

ONLY AFTER COMPLIANCE OF ALL TERMS AND CONDITIONS OF THIS SANCTION, THE
FACILITY SHOULD BE RELEASED.

CLERK/OFFICER

ASST. GENERAL MANAGER/CHIEF MANAGER (ADV.)

DOCUMENTATION

D. P. N and other documents should be obtained from THE CONCERN, ITS

PROPRIETOR AND SPOUSE

Equitable Mortage charge should be created to cover the dues of this borrower ONLY
AND EXISTING EM TO BE EXTENDED & REGISTERED.
CONDITIONS

You are advised to follow the general conditions and also other relevant conditions as
* applicable to this sanction with reference to security, facility and conditions by
refering to the booklet supplied to you along with the C.O. circular CO/ADV/NO.1493
dated 30.04.2007
* Debt service Reserve account as per circular co/adv/963/2009-10 dt 07.05.10 to be
opened for all new term loan of Rs 20 lakhs & above
* Branches to submit certificates/reports to credit compliance cell as per Circular
co/adv/5082/2009-10 dt 27.05.2010
*

You are advised to collect the Processing charge of Rs. 16854

* Existing Equitable Mortage charge should be got extended to cover this facility
* 2 % Prepayment Penalty Fee to be levied on the Limits/Existing Liabilities in case of
takeover.

SPECIAL CONDITIONS
1

Existing EM to be exended and MOD to be got registered as per state government

rules.

2 DP to be ensured.
3 Hypothecation of stock & Book Debts to be done with Bank Clause.
4 Insurance for Primary Security & collateral to be done with Bank clause.
5

Branch to insist the customer to route the entire business transaction through our CC
account.
DESCRIPTION OF SECURITY

SECURI
TY
TYPE

SECURIT
Y
NATURE

Primary

Stock

Primary

Book
Debts

Collate
ral

MAR
GIN

AMOU
NT

Val
ue
Dat
e

DESCRIPTION

25

25

Immova
ble
Propertie
s

25

4005
000

LAND AND RESIDENTIAL BUILDING AT S. F. NO.

167/1, PLOT NO. 57, D. NO. 86-1-2, PERIYA
MARIAMMAN KOIL STREET, KALIYAPILLAI
THOTTAM, SENGAL ANAI ROAD, NEAR AVM
KALYANAMANDAPAM, NORTH AMMAPET, SALEM
DIATRICT UP TO A EXTENT 1103 SFT OWNED
BY S. JEYANTHI

28/
11/
20
13

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CITY UNION

BANK

LTD

CENTRAL OFFICE KUMBAKONAM 612 001.

Sanction Ticket
DATE :29/06/2015

ADV/FILENOTHE MANAGER
Dharmapuri BRANCH.
BRCODE 231
Account No:
2311200000148157
NAME OF THE BORROWER :
SHRI/SMT/M/S :
HONEY MARKETING
AGENCY

YOUR CREDIT PROPOSAL DATE

26/06/2015

SANCTION NO

135834

PROPOSAL NO

119940

BP_ID

1922053

FACILITY TYPE

Renewal

B.S.R CODE

70001

DEPLOYMENT FLOW

NON PRIORITY-COMMERCIAL REAL ESTATE-REAL ESTATE,

FLAT PROMOTERS

INSTRUMENT NAME

CUB - DHARANI-SPECIAL - CCOD(5317)

NATURE
Adhoc limit
RATE OF INTEREST

CCOD
NO
B.R. + (Plus) : 4 % P.A
(Present B.R. : 11%)
Subject to a Minimum of 15 %

Rs. 500000/-

AMOUNT

Five Lakh Only

SANCTION FALLS UNDER THE

POWERS OF

A.G.M

DUE DATE

REPAYMENT
TERMS

30/09/2015

3 MONTHS

DRAWING POWER
APPLICABILITY

MARGIN (%)

No

35

INTEREST
CALCULATION METHOD

INTEREST APPLICATION FREQUENCY

INTEREST
CATEGORY

Daily Product

Monthly

DEBIT

ONLY AFTER COMPLIANCE OF ALL TERMS AND CONDITIONS OF THIS SANCTION, THE
FACILITY SHOULD BE RELEASED.

CLERK/OFFICER

ASST. GENERAL MANAGER/CHIEF MANAGER (ADV.)

DOCUMENTATION

D. P. N and other documents should be obtained from THE CONCERN, ITS

PROPRIETOR & HIS SPOUSE

* Letter(s) of guarantee should be obtained from PROPERTY OWNER.

CONDITIONS
You are advised to follow the general conditions and also other relevant conditions as
* applicable to this sanction with reference to security, facility and conditions by
refering to the booklet supplied to you along with the C.O. circular CO/ADV/NO.1493
dated 30.04.2007
* Debt service Reserve account as per circular co/adv/963/2009-10 dt 07.05.10 to be
opened for all new term loan of Rs 20 lakhs & above
* Branches to submit certificates/reports to credit compliance cell as per Circular
co/adv/5082/2009-10 dt 27.05.2010
*

You are advised to collect the Processing charge of Rs. 0.00

* 2 % Prepayment Penalty Fee to be levied on the Limits/Existing Liabilities in case of

takeover.

SPECIAL CONDITIONS
1

Branch to insist the applicant to route the entire business transactions through this
account

2 THIS IS A SHORT RENEWAL FOR 3 MONTHS

3 BRANCH TO FORWARD THE ABS FOR FY 2014 & PBS FOR FY 2015 AT THE EARLIEST
4 Arrears/Excess in all accounts to be collected
DESCRIPTION OF SECURITY

SECURI
TY TYPE

SECURITY
NATURE

Primary

Immovabl
e
Properties

MAR
GIN

35

AMOU
NT

Valu
e
Dat
e

1090
000

09/
05/
201
1
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DESCRIPTION

Vacant Site @ Residential Plot - S.No.119/1,

Samathana Nagar, A Jettihalli Village
Nallampalli extent of 0.10 acres or 4360 Sq
Ft Owned by A Thangammal

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