Plinth Area

Floor

608 Land Area 4.5 G.F. 793

3.336077 Rate 750000 F.F. 793
S.F. 793

Cost of
Land 3375000
0
3375000 Total Deprecia
3037500
2868750

754000
638000
90000
1482000

a 33.25 a 32.25
b 79 b 79
c 85 c 85
197.25 196.25 9.501639077
s= 98.625 s= 98.125
Area 1313.023 Area 1273.798
Total 2586.8212387107

Shed

Floor
Age of Construction

Plinth area rate

Roof Height
Plinth Area
 G.F. 1224 11' 8 1000
F.F. 35882 16' 8 550
S.F 400 11' 8 200
Sapare
Parts 520 11' 8 400
Room

Total Depreciated cost of construction

 Depreciation
Construction

construction

construction
Depreciated
Roof Height

Plinth area

Cost of

cost of
Age of

Factor
rate
11' 34 1150 911950 0.5648 515070
11' 34 1050 832650 0.5648 470281
11' 34 900 713700 0.5648 403098

Total Depreciated cost of construction 1388449

Cost of land 3375000
Total Value 4763449
Realisebale Value 4287104.1
Distress Value 3810759.2
Insurance Value 1249604.1

697450
591426 192.5 3572587
83430
1372306
2172306
0

34.44719
2219.7448 24.58
246.63831 111
2728.38
303.153
Cost of construction

Depreciation Factor

Depreciated cost of
construction
 1224000 0.88 1077120
19735100 0.7872 15535471 2.666667
80000 0.7872 62976
208000 0.7872 163738

21247100 16839305
t of construction 16839305

21247100
 1224

4325

173

33.58 54
33.58 44
74.33
74.33

33.58
74.33
2496.001 1836.001
13.69548 6.743807

5158.98
573.22
 Valuation
!! PLEASE Report
TAKE PHOTOS (PHOTOS
FROM PROPERTYFROM THE PROPERTY)
- STRUCTURE (INSIDE/OUTSIDE) -
NAMEBOARD - SURROUNDINGS !!
To
The Branch Head,
Capital Small Finance Bank, Bhanoki
Sub.: Valuation Report
1 Name of the borrower. Mrs. Raj Rani Kaur W/O. Mr. Jaswinder
Singh
2 Name of the owner of the property Mrs. Raj Rani Kaur W/O. Mr. Jaswinder
Singh
3 Purpose of valuation To assess the fair market value of the property
4 Date of valuation 06/02/2025
5 Description of property(Give It is a residential plot at Village: Sadarpur , Tehsil:
complete location with address) Phagwara

6 How the present owner has

acquired the title:
a) Through inheritance
b) Through sale. Through Sale

c)Through gift etc.

7 Nature of property:
a) Residential/Commercial/both. Residential
b) Plot/constructed. Plot
c) Single/Double/Triple storey etc N.A.
8 Classification of locality:
a) High class/middle/lower. Middle Class
b) Approved/unapproved. N.A.
c) Falls in lallakir/outside lallakir.
Outside Lal Lakir
d)Falls in municipal limit/outside Within Municipal Limits
municipal limit
9 Side/Boundaries of the property
As per Deed Actual at Site
North H/O. Paramjit Singh H/O. Paramjit Singh
South Open Plot Open Plot
East Passage Passage
West Agricultural Land Agricultural Land
10 Sale Deed no. 2020-21/32/1/2825 dated
Documents seen for establishing the 12.01.2021
title of the property(whether
original/photocopy)
11 It is free hold/lease hold Free Hold
12 If lease hold give following details:
a) Initial premium N.A.
b) Rent payable per annum N.A.
c) Whether lease is registered N.A.
d) Period of lease N.A.
e) Any adverse clause in the lease
deed N.A.
f) Whether lease deed permit the
mortgage of lease hold rights. N.A.
13 If the property is constructed
furnish the following details:
a)Whether the building is self-
owned/rented Self Owned
b)Whether the building is partly
rented/partly self-owned N.A.
c)Details of rent received
d) It is single/double/multi storey N.A.
e) Future life of constructed buildingN.A.
f) Total covered area, Floor wise N.A.
g) Description of the construction As Detailed
made
h)Class of construction N.A.
14 Give details of water and electricity N.A.
charges if any, Bills are paid by
whom
15 Whether the property is subject to N.A.
property tax, if yes, give details and
ensure it is fully paid.
16 If the property is subject to any N.A.
acquisition under any scheme of the
Government(Present/near future)
17 N.A.
If the property is subject to any
dispute with the land lord/Govt./any
other person.
18 Bases of land rate adopted. As per Market Enquiries
19 Give instances of sale/purchase of As per Market Enquiries
immovable property in the locality.
20 Other Misc., Technical details
Details of construction
21 Special Architectural or decorative normal exterior & interior
features if anyFeatures
22 Valuation of Land
Land Unit Prevalent in the area Marla
1 Marla 272.25sq.ft.
Dimensions of the property
As per Deed Actual at SIte
North 70'-0" 70'-0"
South 70'-0" 70'-0"
East 30'-0" 30'-0"
West 30'-0" 30'-0"
Plot Area 7.75 Marla 7.75 Marla
Area of land considered for 7.75 Marla
valuation
Prevailing Market Rate ₹ 130,000 Marla
Value of Land ₹ 1,007,500
Cost of Construction
Plot Area 2,100sq.ft.
23 Total Value of Property
a) Land Value ₹ 1,007,500
24 b) Construction Value Nil
c) Grand Total ₹ 1,007,500 Say ₹ 1,007,000
Certificate :
Based on the information furnished to me, detailed inspection & measurements at
site, detailed local enquiries & taking into consideration such important features as
the location of the land, its potential for marketability, present market trends
₹.10, 07,000/ (Rupees Ten lakh seven thousand only and its
realizable value is ₹.8,56,000/ (Rupees Eight lakh fifty six thousand only)
 Based on the information furnished to me, detailed inspection & measurements at
site, detailed local enquiries & taking into consideration such important features as
the location of the land, its potential for marketability, present market trends
₹.10, 07,000/ (Rupees Ten lakh seven thousand only and its
realizable value is ₹.8,56,000/ (Rupees Eight lakh fifty six thousand only)

Signature of borrower(s) Signature & stamp of the valuer

DECLARATION

I hereby declare that-

2. It
is
advi
sed
NO
1.
to
TE:-
The
cons
valu
ult
atio
You
6.
4.
5.
n of
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the
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prop
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advi
3.
aspe
desc
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sor
This
cts
ripti
wor
abo
repo
wer
on
kut is
rt
eund
of is
orig
give
not
erta
the
Capi
inali
n
ken
cons as
title
tal
ty of
by
ider
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of
the
me
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llthe
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nce
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7.
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Man
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,
 pro
er
Dr.
pert
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win
deta
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in
h
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ve
for
valu
the
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8.
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-----
the
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ket
9.
----- The deed involved in the property :
valu
Through
e of Sale
-----
the
----.
Ipro
Dr. Rajwinder Singh Bansal
pert
hav
y,
e it
exis
gon
ts
eon
thro
the
ugh
sam
the
e
plot
repo
/Kh&
rt
asra
am
Sig.
no. of Owner
satis
as
fied,
men
to
tion
the
ed
best
in
of
the
my
sale
dee
kno
d.
wle
Furt
dge
tment her
that
Date certi
the
fied
valu
that
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the
hav
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sold
y
/ent
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ed
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at
an
Rs.
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Sale
 20
20

0 71.58
68.75

20

70.165

1403.3
 5.15445362718
0.01893279569

270

33.5
33.83
6 45

163500

₹ 856,375.00
0
I hereby declare that-
(a) The information furnished is true and c
best of my knowledge and belief.

(b) I have no direct or indirect interest in

valued;
(c) I have personally inspected the property.
(d) I have not been found guilty of misco
professional capacity.
NOTE:-
1. The valuation of the property has been done
of the copy of the registered deed of the p
information supplied by the owner / his repres
visual inspection of the property identified by
his presence & actual measurements at site.
should be asked to sign this report i
confirmation of the fact narrated in the report
by him or his authorized representatives.

2. It is advised to consult Your legal ad

originality of the deed
3. This report is given as an expert opinion on
material & based on the inspection and as iden
owners concerned, however the valuation m
into account or rejected at the discretion of
it is only suggestion as regards the value.

4. The legal aspects were not considered in t

report.

5. the legal description of the title of the

assumed to be correct
6. This-valuation work is undertaken by me
the request from The Manager ,
Capital Small Finance Bank,
7. If this property is offered as collateral s
concerned financial institution is requested
the extent of land as shown in this valuation
Respect To the latest legal opinion.

8. Value is time found & purpose found. T

report is as on date & for specific purpose
under I (2). The Report is not to be referred if
is Different other than mentioned (2)

9. The deed involved in the property :

The undersigned has inspected the property

above valuation report d on-------------------
have gone through the report & am satisfied
of my knowledge that the value of the prope
Rs.………………………………………………
approved valuer is realistic.

Branch Manager/Officer in charge

Date:
at-
ation furnished is true and correct to the
dge and belief.

direct or indirect interest in the property

nally inspected the property.

been found guilty of misconduct in my
ty.

the property has been done on the basis

e registered deed of the property, the
ed by the owner / his representative and
f the property identified by the owner in
tual measurements at site. The owner
d to sign this report in token of
e fact narrated in the report as intimated
orized representatives.

to consult Your legal advisor about

eed
ven as an expert opinion on the available
n the inspection and as identified by the
however the valuation may be taken
jected at the discretion of the bank &
n as regards the value.

cts were not considered in this valuation

ription of the title of the property is

ect
work is undertaken by me based upon
he Manager ,
ce Bank,
ty is offered as collateral security, the
al institution is requested to check to
as shown in this valuation report with
test legal opinion.

e found & purpose found. The valuation

ate & for specific purpose mentioned
port is not to be referred if the purpose
than mentioned (2)

in the property :

has inspected the property detailed in

eport d on-------------------------------. I
h the report & am satisfied, to the best
that the value of the property stated at
………………………………….by the
realistic.

Manager/Officer in charge of Advance

Department
Date:
 Floor

Roof Height
Plinth Area
Cold
12096 11’
111.11 Store

Shed ACC 36000 11’

40000
Wooden
Batten 2700 11’
Roofing
G.F.
4500 11’
4444400 R.C.C.

Total Depreciated cost of construc

 Depreciated cost
Plinth area rate

of construction
Depreciation
Construction

construction
Cost of
Age of

Factor

12096000 0.617 7463232

32 1000

21600000 0.544 11750400

20 600

1755000 0.77 1351350

20 650

3825000 0.86 3289500

10 850

27180000 16391250
Total Depreciated cost of construction 16391250
4444400
20835650
18752085
16668520
275000

140000

104607

131000

140000
790607
₹. 2, 75,
000/
₹. 1, 40,
000/
₹.
104607/
₹.
96,000/
₹.
1,10,000
/
Residential Residential
Commercial Commercial
Residential cum commercial Industrial
Agricultural Both
S.C.O. Residential cum commercial
S.C.F. Agricultural
Under Constrution S.C.O.
Industrial S.C.F.
Semi Constructed
Plot
Constructed Spread Footing
Under Construction Isolated Column Footing
A
Single B
Double C
Triple N.A.
N.A. R.C. Slab
High Class R.B. Slab
Middle Class Batten & Girder
Lower Class Truss & G.I. Sheeets
Truss & A.C.C. Sheeets
Approved
Unapproved 1st Class B.B. Work in cement mortar
N.A. 1st Class B.B. Work in mud mortar
Within Lal Lakir 1st Class B.B. Work in lime mortar
Outside Lal Lakir 2nd Class B.B. Work in cement mortar
Within Municipal Limits 2nd Class B.B. Work in mud mortar
Outside Municipal limits 2nd Class B.B. Work in lime mortar
Free Hold
Lease Hold Spread Footing
Self Owned Isolated Column Footing
Rented Combined Footing
Partly Self Owned Raft Footing
Partly Rented Pile Footing
N.A.
A
B
C
Marla Brick Flooring
Sq.yd. Marble Flooring
Sq.m. Vitrified Tile Flooring
9 Conglomerate Flooring
272.25 Terrazzo Flooring
182.25 Mosaic Flooring
207
225
Per Marla
Per Sq.yd.
Per Sq.m.

normal exterior & interior

Very aesthetic exterior &
interior