PERSONAL DISCUSSION SHEET

PROFILE DETAIL
TYPE NAME GENDER AGE RELATION Contact No.
Applicant

FAMILY DETAILS
NAME RELATION AGE GENDER DETAILS WITH CONTACT NO
1. Father
2. Mother
3. Wife
Whether in same business or
not.
Children1/2/3 Whether in same residence or
4.
Son daughter not.
Whether in loan or not.
Dependent
5. Brother 1

6. Brother’s Whether to be added on loan

wife or not
7. Brother 2 Occupation/
Educational
Qualification
8. Brother’s
wife
9. Sister 1
10. Sister 2
11.

ADDRESS
CURRENT RESIDENCE:
(With Landmark)
RENTED OWNED

Distance from Branch:

LIVING SINCE:
NO & DETAILS OF PEOPLE LIVING:
PERMANENT RESIDENCE:
(With Landmark)
RENTED OWNED

LIVING SINCE:
NO & DETAILS OF PEOPLE LIVING:

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SCHOOL / COLLEGE DETAILS OF APPLICANT/ CO-APPLICANT’s CHILDREN
NAME OF CHILD SCHOOL NAME/ COLLEGE MEDIUM ANNUAL FEES (IN RS.)
NAME (ENGLISH/HINDI)

DETAILS OF ANY DISEASE TO APPLICANT/CO-APPLICANT/GUARANTOR

(Or to anyone in the family) (Check of any bad habits to the applicant or anyone in family. Mention the same.)

MONTHLY HOUSEHOLD EXPENDITURE (AS PER DETAILS PROVIDED BY CUSTOMER)

Particulars Amount (in Rs.) Remarks
Fruits & Vegetable
Food and Other Eatables
Health Expenses
Entertainment
Conveyance
Clothing & Footwear
Other Expenses
Total Expenses
Investment to LIC/Mutual Fund/FDR/RD etc.
Investment to LIC/MF
Total EMI Obligation As per details captured below
Total Cash Outflow

OCCUPATION TYPE
SALARIED BUSINESS

OCCUPATION DETAIL AND INCOME CALCULATION

NAME OF ENTITY
FORM OF ENTITY
(Proprietor, Partnership, Company, LLP, HUF etc.)
TOTAL INVESTMENT IN BUSINESS
(Source of such capital: Owned/Borrowed)
DETAILS ABOUT THE TYPE OF BUSINESS/JOB

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NATURE OF BUSINESS/JOB (Seasonal/Regular)
NO OF YEARS IN CURRENT BUSINESS/JOB
ADDRESS OF ENTITY
RENTED OWNED

(mention monthly Rent Expense, if rented)

NO OF EMPLOYEES/STAFF
(Observed during PD and confirmed with owner)
DETAILS OF PAST BUSINESS/JOB
(and reason for change)

VALUE OF STOCK SEEN DURING PD:

(As per owner) (Please mention the names of Vendor/Brand) (Segregation of Stock) (Major items)

(Should be specific)

Details by customer/ Assessed by us

Whether clicked the photo of stock and shop? (Y/N)

INCOME CALCULATION BASIS:
(Mention the basis of calculation/assumption taken. Further, Mention the expenses incurred in order to earn
income)

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 DETAILS OF FURNITURE AT BUSINESS PREMISE
(if applicant is owner)

CONTACT NUMBER OF BUSINESS REFERENCE

(to be asked from the customer and the same to be checked from documents available)

CURRENT OBLIGATION DETAILS (for APPLICANT/CO-APPLICANT AND GUARANTOR)

BORROWER AMOUNT EMI (IN NAME OF EMI BT/ TAKE END USE OF LOAN
NAME OF LOAN RS.) BANK/FI PAID/TOTAL OVER
3 2 4 1 5 6 7

DETAILS OF ASSETS OWNED (By applicant/Co-applicant)

A. Fixed Asset Detail:
PARTICULARS DETAILS UNIT PURCHASE DATE MARKET VALUE (In Rs)
(as per customer)

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B. Movable Asset Detail:
PARTICULARS DETAILS UNIT Remarks (If Any)
VEHICLE
(TWO/FOUR-WHEELER)
(located at premise) Whether financed or not
Furniture to be included
here)

TV
FRIDGE
WASHING MACHINE
AC
COOLER
MICROWAVE
COMPUTER
MOBILE PHONE
Ornaments/Gold Investment in LIC & MF

COLLETERAL DETAILS
COLLATERAL/PROPERTY TYPE:
(AGRICULTURAL LAND (Registry/ Gift Deed)/ SOCIETY / JDA / PANCHAYAT PATTA / NAGAR NIGAM / RHB /
REGISTRY)
PROPERTY OWNER NAME
PROPERTY TYPE SORP/SOCP
PROPERTY ADDRESS
(With Landmark)

AREA OF PROPERTY (in Sq. ft.) Confirm Whether four sides is mentioned in property
stru (dimension/direction) as mentioned in property
papar)
CURRENT USE OF PROPERTY

MARKET VALUE OF PROPERTY (As Per Credit Manager) Tentative

DATE OF PURCHASE
PURCHASED FROM
VALUE OF PURCHASE (Amount in Lacs)
DETAIL OF CONSTRUCTION ON PROPERTY

(Expalin how tp assess virendra)One Pager

PROPOSED LOAN REQUIREMENT/requested DETAIL (upar le jaane a

LOAN AMOUNT Requested/Finalised by CM cloumn
TENURE
EMI COMFORTABLE
ROI
EMI DUE DATE 3rd 7th 10th
(Circle out the EMI date)
(To be discussed and confirmed to Customer)
REPAYMENT BANK NAME AND ACCOUNT

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 INSURED PERSON NAME
DETAILED PLAN ON USAGE OF REQUESTED LOAN AMOUNT

NEIGHBOUR REFERENCES (ask neighbour about applicant’s habit)

NAME CONTACT NO REMARK
Neighbour/supplier Min 2 required
Residence/ Business

IN-LAWS REFERENCE
NAME RELATION CONTACT NO ADDRESS (not detailed) REMARK
If provided If provided

GUARANTOR DETAILS (Business Profile and Income Assessment) (If Available during PD)

PENDING DOCUMENTS (Credit Manager must ensure to collect maximum documents while PD)

Decision Sheet/column

----------------------------------------------------------------------------------------------------------------------------------------------------------
DETAIL OF PD CONDUCTED BY:
PD DATE AND DAY

PD TIME
PLACE OF MEETING

WHETHER VISTED COLLETRAL PROPERTY

(PLEASE TICK) HOUSE
BUSINESS PREMISE

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 CREDIT MANAGER NAME (interviewed by)
(DESIGNATION)

SIGNATURE

ACCOMPANIED WITH
(DESIGNATION WITH SIGNATURE)

I have informed about all charges (declaration)

UNDERTAKING BY APPLICANT / CO APPLICANT(s)

(घोषणा पत्र एप्लिकेंट / को-एप्लिकेंट)
SOURCE MONTHLY INCOME (AMOUNT IN RS.)
APPLICANT (एप्लिकेंट)

CO-APPLICANT 1 (को-एप्लिकेंट-1)

CO-APPLICANT 2 (को-एप्लिकेंट -2)

I/We hereby undertake that: (मै / हम घोषणा करते हैं )

▪ The above sources and amount of income is true and correct and the same may be considered
for calculation of my loan eligibility.

(ऊपर लिखे मेरी कमाई के तथ्य सही और सत्य है और इस कमाई को िोन की गणना करने के लिए
उपयोग में लिया जा सकता है |)

▪ I /We have not given, and neither will give any cash or kind to any person, staff /vendor of
Finova Capital Pvt. Ltd for getting the loan sanctioned.

(मेने / हमने इस िोन को कराने के लिए लिनोवा कैलपटि प्राइवेट लिलमटे ड के लकसी भी कममचारी को कोई
पैसा या उपहार नहीीं लिया हैं |)

▪ I/We hereby undertake that any person for whom the insurance will be done for proposed
loan is not suffering from any critical illness/harmful disease or not undergoing any treatment
for any disease. If in future the facts found wrong or mislead then claim will not be payable.

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 (मै / हम घोषणा करते हैं की लजस भी व्यक्ति का इीं स्युरेन्स इस िोन के बाबत लकया जायेगा वह व्यक्ति
लकसी भी गीं भीर बीमारी से ग्रलसत नहीीं है व ना ही कोई उससे सम्बीं लित उपचार चि रहा हैं | यलि भलवष्य मे
यह तथ्य लमथ्या या झूठ सालबत होता है तो लकसी भी प्रकार का इीं स्युरेन्स क्लेम िे य नहीीं होगा |)

लिनाीं क :- हस्ताक्षर एक्तिकेंट / को-एक्तिकेंट

स्थान :-

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