SRG HOUSING FINANCE LIMITED Application No.

R.O : 321 S.M. LODHA COMPLEX, NEAR SHASTRI CIRCLE, HLR-

UDAIPUR (RAJ.)-313001

INCOME CONSIDERATION

Name of Applicant - MUKESH DANGI S/O PRAHALD DANGI

AFTER GOING THROUGH PERSONAL DISCUSSION AND EVALUATION OF DOCUMENTS SUBMITTED,

FOLLOWING INCOME CONSIDERED IN CREDIT APPRAISAL AND OTHER REPORTS BY ME.

P.M.
Main Sources of Income

Total Income of Applicant

Credit Manager/ Authorised Signatory

 SRG HOUSING FINANCE LIMITED Application No.
R.O : 321 S.M. LODHA COMPLEX, NEAR SHASTRI CIRCLE, HLR-
UDAIPUR (RAJ.)-313001

CREDIT APPRAISAL REPORT

Details of Personal Discussion

Date of PD* Appraising Person's Name

Name of Customer Father’s/Husband Name

Physical Verification of KYC Documents: Family Details/ Structure Analysis :

Particulars Applicant Co-Applicant Guarantor Guarantor Family Structure

PAN No. of Family Members

Other ID Proof No. of Earning Members
Address Proof Approx. Family Income(P.M)

Income Proof Family Assets

Photo Applicant's Share In Family
Assets
Relation With Age Of Applicant
Applicant
Awareness of Loan Specific Remarks If Any

Guarantor’s Liability No. of Loans Running

Awareness
Income Verification

Details of Earning Member 1 in Family: Details of Earning Member 2 in Family:

Name Name

Occupation Occupation

Year Of Earnings Year Of Earnings

Amt. Of Earning Amt. Of Earning (P.M)

(P.M)
Details Of Earning Member 3 In Family : Details Of Earning Member 4 In Family :
Name Name

Occupation Occupation

Year Of Earnings Year Of Earnings

Amount Of Earnings Amount Of Earnings

(P.M.) (P.M)
Agricultural Income Verification: OTHER INCOME
Details Of Details of Income
Agriculture Income

Productivity Physical Verification

Estimated Annual Estimated Income (P.M)

Earnings (P.M)
Remarks If Any Remarks If Any
 SRG HOUSING FINANCE LIMITED

Further Analysis:

Bank Statement Analysis: Banking Habits:

Duration Of Statement No. Of Transactions In a
Month

Nature Of Bank A/C Check Bounce Entries(If Yes

Reasons For The Same)*

Average Bank Balance Minimum Balance Charges

If Any

Fixed Monthly Incoming Any Other Frequent Bank

Charges

Fixed Monthly Outgoing Remarks

Any Other Exceptional

Field Investigation (Residence Cum Office Verification): Residential Stability:

Report's Status Stay At Current Residential

Address

Any Negative Remark Previous Stay Details If

Staying < 1 Year At Current

Cross Verification Permanent Address

Verification

Remarks If Any Neighbor's Details

Analysis Of Running Loan Status: Service Detail Analysis:

CIBIL Score Type of Employer

Nature / Type Of Loan Years In Service

Duration Of Loan A/C Total Work Experience

Penal Enteries (If Any) Work Location

Remarks If Any Gaps In Service

 SRG HOUSING FINANCE LIMITED

Visiting Details

Personal Visit Details: Business Premises Visit:

Date of Visit Nature of Business

Loan Required (In Lacs) Locality of Business

Physical Verification of Income Verification

Property Papers Submitted Remarks

Customer's Reputation No. of Years In

Remark Business
Quality of Material Used / Previous Job Details If
Construction Quality Less Than 1 Year

Business Premises
Property Photograph No. of Employee

Status of Work Done Neighbor Details

Technical Evaluation Details

Valuation Report Detail:

Name of Valuer Built Up Area (Sqft.)

Adderss of Valuer Property Photographs

Contacts Physical Verification Of
Balance Work
Date of Valuation

Type of Property Neighbor's Verification

Location of Property Cross Verification Of

Area Of Property From
Valuer Report &
Personal Visit

Area of Land (Sqft.) Remarks (If Any)

Property Papers :
Physical Verification of Title of Property
Papers
Chain of Documents Remarks (If Any)
 SRG HOUSING FINANCE LIMITED

Ratio Calculation

FOIR(Fixed Obligation to Income Ratio) IIR (Installment -to-Income Ratio)

Proposed Loan Installment Monthly Income
(+)Vehicle Loan Installs. (If Any) (+)Other Incomes

(+)Personal Loan Install. (If Any) Gross Monthly Income

(+)OTHER LOAN (-)Family Maintenance

Fixed Monthly Loan Obligation (A) Net Available Income
Gross Income (B) Proposed EMI

FOIR (A/B ) IIR (Pro. EMI/Net Income)

LTVR (Loan to Value Ratio) (Rs. In Lacs) End Use Of Loan

Loan to be Used
For
LTVR AS LTVR AFTER
ON DATE COMPLETION

Cost of Land/Property Remark If Any

(+)Cost of Construction/Repairs Customer's Category With Description

Gross Value Of Property (A) Low Risk Customer

Loan Sanctioned (B) Medium Risk Customer

LTVR (B/A) High Risk Customer

Loan To Priority Sector Remark If Any

Loan To Prioprity Sector (Y/N)

Conclusions of Above Analysis by Credit Manager/Signatory

Case Strengths:

DATE - Place:

Name & Signature of Credit Manager/Authorised Signatory Company Seal

 SRG HOUSING FINANCE LIMITED Application No.
R.O.: 321 S.M. LODHA COMPLEX, NEAR SHASTRI CIRCLE, HLR
UDAIPUR (RAJ.)-313001

PROCESS NOTE
To, Date:
The MD/CFO,
SRG HFL
An investigation/assessment was done before providing any loans & advances & also certain checks were made to the commercial, financial & technical viability of the proposed
application.

A. FINDINGS OF APPRAISAL PROCESS:

a. PERSONAL Applicant Co-Applicant Guarantor Guarantor

VERIFICATION
Name:

Father’s /Husband’s
Name:

Date of Birth:
PAN No./Acknow. :
Residential Address:

Contacts:

b. FIELD INVESTIGATION:
Field Investigator’s Date of Report:
Name :

Location of Visit:

Address Details: Name of Applicant:

Personal Details (Verify):

Residential Status (Verify):

Contacts: Bus./Occupational (Verify):

c. FUNDING VERIFICATION:
Purpose of Loan: Amount Already Incurred:
(Rs. In Lacs)

Tenure: Total estimated amount to

be incurred:(Rs. In Lacs)

1. Loan Sanctioned

Total Fund Required: Sources of Funds: (Rs. In Amount to be used for further
(Rs. In Lacs) Lacs) construction from own
sources :(Rs. In Lacs)

Loan amount to be used for further construction:(Rs. In

Lacs)
Application of funds (Loan Amt)
Loan amount to be used in repayment of market due:(Rs.
In Lacs)
 SRG Housing Finance Limited

d. CREDIT WORTHINESS :
Age of Person Monthly Income
No. of Income From Other
Dependents
Nature of Co-Applicant Income
Employment

Continuity of Total Monthly Income

Employment
Previous Maintenance Amt. of
Loans, If Any Family
Repayment Capacity
References If Installment to Income
Any Ratio
Credit Info Bank Statement
Check Verification
Cash Flow Analysis

B. FINDINGS OF SECURITY EVALUATION PROCESS:

a. TECHNICAL EVALUATION Location of Property

Property Type

Area (Sq ft. & Name of Property Owner

Sq.mt.)

Name of the Cost of Property (In Lacs)

Valuer
Address Cost of Repair &
Construction (In Lacs)
Total Cost (In Lacs)
Amt. Proposed To Be
Sanctioned (In Lacs)
Loan to Value Ratio (%)
Contacts Date of Report
 SRG Housing Finance Limited

LEGAL EVALUATION Name of Applicant :

Date of Report: Location of Property:

Name of The
Advocate:
Address: Possession of
Property:

Contacts: Period Of Report

Applicant's Title In
Details of Document Scrutinized: Property
AS PER ATTACHED TITLE
PAPERS. Verification Of Fee
Receipt
Final Opinion Study
 SRG Housing Finance Limited

C. VERIFICATION REPORTS OBSERVATIONS:

REMARKS
Credit Worthiness YES
Field Investigation YES
Technical Verification YES
Legal Verification YES
Others If Any NO

D. INTERPRETATION:

Credit appraisal process of appraising the creditworthiness of the loan applicant and proper
evaluation of the customer was made which measures the financial condition & ability to repay
back the loan in future.
On the Basis of above evaluations, recommendations are as follows:
No sanction of Loan as terms are not satisfactory or up to mark:
Recommended Proposed sanction on terms as mentioned below:

PROPOSED SANCTION PARTICULARS:

Loan Product Name Tenure

Amount Of Loan (Amt In Lacs) ROI (P.A)

EMI Proposed Monthly
Due Date For EMI

Note: All the Required Documents has been received from the Borrower and verified.
Yours Faithfully

(Authorised Signatory) Approving Authority