CREDIT APPROVAL MEMO

CAM Date 16/01/2025 Branch Name Kekri

Applicant Name Satyanarayan Saini Branch ID 028
Business Address Chandsen Application ID
MALIYO KA MOHALLA
CHANDSEN, Chandsen, Chand
Residence Address Type of Borrower Individual
Sen, Tonk, Rajasthan, Tonk -
304501
Product Name LAP Segment Services
Credit Program Secured - Diminishing Interest Udhyam Registration -

Facility Summary:
Facility Facility Amount (Rs.)
New Loan - LAP

Personal detail of Applicant and Co-applicants:

Name of Applicant Age Relationship PAN Voter ID UIDAI (Aadhaar) CIBIL Score
Satyanarayan Saini 41 Self GJUPS6546C - XXXXXXXX2800 677

Name of Co-Applicant Age Relationship PAN Voter ID UIDAI (Aadhaar) CIBIL Score
Mrs Sita Devi Saini 38 Wife TKIPS7193P - XXXXXXXX4223 193

Critical Parameters Requirement Actual

Geo Limit 40 KM 99.09 KM
Business Vintage >3= Years 15 Years
Shop Ownership Rented/Owned Owner
Current Residence Rented/Owned Owned
Residence Stability >= 1year 15 Years 1 Months
Property Type SORP/SOCP/SO-Mix Usage/Vacant Land Etc. Residential Property
Property Ownership for >=1 year 0 year 0 month
Relationship with Applicant Self, Spouse, Parents, brothers Wife
Property Owner Age < 70 years at the time of maturity

Business and Family details:

1. Business Details:
Satyanarayan Saini

Mrs Sita Devi Saini

2. Family Details:
Satyanarayan Saini

Mrs Sita Devi Saini

3. End Use:
Satyanarayan Saini

Mrs Sita Devi Saini

4. Reference
Friend -Yadram kumawat 9636338185

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 Friend -Manoj gusai 9509188891

List of Address verified by FI:

Business Address Residence Address Property Address

MALIYO KA MOHALLA CHANDSEN,

Maliyo Ka Mohalla Chandsen, Chandsen, Chand
Chandsen Chandsen, Chand Sen, Tonk, Rajasthan, Tonk -
Sen
304501

Chand Sen, Tonk, Rajasthan, Tonk -

Chandsen -
304501

Eligibility Calculator:
Liquid Income Program Based Eligibility
Net Business Income (Rs.)
Household Surplus (Rs.)
Proposed Loan Amount (Rs.) 1500000
ROI 16
Tenure(months) 120
EMI(Rs.)
Proposed Obligation (Rs.)
Existing Obligation (Rs.) 30000
FOIR (%) %

Property Type Property Value (Rs.) LTV Deviation Final LTV

Residential Property 0 0 - -

Existing Loan Details Satyanarayan Saini

Name of Bank Disbursement Outstanding Amount Obligated (Yes

Loan Type Tenure ROI (%) EMI (Rs.)
/FI Amount (Rs.) (Rs.) /No)
Business Loan –
Not Disclosed Priority Sector – 30000 0 36 0 0 No
Agriculture

Note on DPD & Overdue if any Satyanarayan Saini:

Satyanarayan Saini

Existing Loan Details Mrs Sita Devi Saini:

Name of Bank Disbursement Outstanding
Loan Type Tenure ROI (%) EMI (Rs.) Obligated (Yes/No)
/FI Amount (Rs.) Amount (Rs.)
No data present

Note on DPD & Overdue if any Mrs Sita Devi Saini:

Sita Devi Saini [[${coapplicants_underwriting_obligation}

Banking:
Name of Account Holder Account No Bank Name Account Type ABB (Rs.)
SATYANARAYAN
1811221820015051 AU Small Finance Bank saving -
SAINI
SITA DEVI SAINI 3469101001944 Canara Bank saving -

Personal Details of Applicant:

Satyanarayan Saini

Property Details:
Name of Property Valuation Amount
Type of Property Property Address Valuer Name Date of Valuation
Owner (Rs.)
Maliyo Ka Mohalla Chandsen,

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Satyanarayan Saini Residential Property 0 /- Chandsen, Chand Sen, Road ,Tonk, -
Rajasthan, 304501

Ratio Limit Actual

FOIR 50% %
LTV 55% 0%

Deviation:
Deviations Mitigants Approving Authority

Facility Term & Conditions:

Purpose Business Purpose
Loan Amount (Rs.)
Tenure
ROI %
EMI (Rs.)
Processing fee (Rs.)
Insurance premium (Credit Shield+Life)(Rs.)

Assets Creation Satyanarayan Saini:

Assets created in last 48 hours Source of Payment Assets Purchase value (Rs.) Proof to be considered
No data present

Assets Creation Mrs Sita Devi Saini:

Assets created in last 48
Source of Payment Assets Purchase value (Rs.) Proof to be considered
hours
No data present

CM Recommendation:

3/3