tO

The Branch Head,

Capital Small Finance Bank,Tahli
Sub.: Valuation Report
1 Name of the borrower. Jimmy Kalra and Rohini kalra
2 Name of the owner of the property Mrs. Renu Bala W/O. Mr. Gurdeep Lal
3 Purpose of valuation To assaess the fair market value of the property
4 Date of valuation 15-06-2022
5 Description of property(Give complete location It is an under construction residential building at
with address) #5,#5-A & #5-B, New Model House, Abadi Jalowal,
Basti Sheikh, Jalandhar
6 How the present owner has acquired the title:
a) Through inheritance
b) Through sale. Sale deed no.4396 dated 20.08.2021
c)Through gift etc.
7 Nature of property:
a) Residential/Commercial/both. Residential
b) Plot/constructed. Under Construction
c) Single/Double/Triple storey etc Double
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 municipal Within Municipal Limits
limit
9 Side/Boundaries of the property
Sale deed no.4396 dated
20.08.2021 Actual at Site
Remaining Part of
North Remaining Part of Plot Plot
South #6 #6
East Others Others
West Road Road
10 Documents seen for establishing the title of the Sale deed no.4396 dated 20.08.2021
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 Double
e) Age of Building 0
e) Future life of constructed building 50-60 Year if maintained properly
f) Total covered area, Floor wise
Ground Floor 475sq.ft.
First Floor 254sq.ft.
Total Covered area 729sq.ft.
g) Description of the construction made As Detailed
h)Class of construction A
14 Give details of water and electricity charges if N.A.
any, Bills are paid by whom
15 Whether the property is subject to property tax, N.A.
if yes, give details and ensure it is fully paid.
16 If the property is subject to any acquisition N.A.
under any scheme of the
Government(Present/near future)
17 If the property is subject to any dispute with the N.A.
land lord/Govt./any other person.
18 Bases of land rate adopted. As per Market Enquries
19 Give instances of sale/purchase of immovable As per Market Enquries
property in the locality.
20 Other Misc., Technical details
Details of construction
Technical Specifications
Type of Foundation Spread Footing
 Walls 1st Class B.B. Work in mud mortar
Partitions 1st Class B.B. Work in mud mortar
Flooring Conglomerate Flooring
Roofing & Terracing R.C. Slab
Compound Wall 1st Class B.B. Work in mud mortar
21 Special Architectural or decorative features if normal exterior & interior
anyFeatures
22 Valuation of Land
Land Unit Prevlent in the area Marla
1 Marla 207.00sq.ft.
Dimensions of the property
Sale deed no.4396 dated
20.08.2021 Actual at SIte
North 28'-9" 28'-9"
South 29'-9" 29'-9"
East 39'-6" 39'-6"
West 39'-6" 39'-6"
Land area as per Deed 5.45 Marla
Land Area actual at Site 2.86 Marla
Area of land cosnsidered for valuation 2.86 Marla
Prevailing Market Rate ₹ 4,00,000 Per Marla
Value of Land ₹ 11,44,000
23 Cost of Construction
Plot Area 593sq.ft.
Permisssible Plot Coverage 534sq.ft.
Maximum Covered Area as per F.A.R. 1,186sq.ft.
Actual Plot Coverage 475sq.ft.
Actual Maximum Covered Area 729sq.ft.
Plot Coverage Considered for Valuation 475sq.ft.
Maximum Covered area Considered for 729sq.ft.
Valuation
23 Cost of Construction
G.F F.F.
Plinth Area 475sq.ft. 254sq.ft.
Year of Construction 2022 2021
Age of Building 0year
Plinth area rate ₹ 1,200 ₹ 1,125
Replacement Cost ₹ 5,70,000 ₹ 2,85,750
 Total Replacement Cost ₹ 8,55,750
Depreciation Factor(%) 0.00
Depreciation cost
Depreciated Cost ₹0 ₹ 5,70,000 ₹ 2,85,750 ₹0
Total Depreciated Cost ₹ 8,55,750
24 Total Value of Property
a) Land Value ₹ 11,44,000
b) Construction Value ₹ 8,55,750
c) Grand Total ₹ 19,99,750 Say ₹ 20,00,000
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 ₹20,00,000/ (Rupees Twenty lakh only and its
realizable value is ₹. 17,00, 000/ (Rupees Seventeen lakh only)
Signature of borrower(s) Signature & stamp of the valuer
DECLARATION
I hereby declare that-
(a) The information furnished is true and correct to the best of my knowledge and belief.
(b) I have no direct or indirect interest in the property valued;
(c) I have personally inspected the property.
(d) I have not been found guilty of misconduct in my professional capacity.
NOTE:-
1. The valuation of the property has been done on the basis of the copy of the registered deed of the
property, the information supplied by the owner / his representative and visual inspection of the property
identified by the owner in his presence & actual measurements at site. The owner should be asked to
sign this report in token of confirmation of the fact narrated in the report as intimated by him or his
authorized representatives.
2. It is advised to consult Your legal advisor about originality of the deed
3. This report is given as an expert opinion on the available material & based on the inspection and as
identified by the owners concerned, however the valuation may be taken into account or rejected at
the discretion of the bank & it is only suggestion as regards the value.
4. The legal aspects were not considered in this valuation report.
5. the legal description of the title of the property is assumed to be correct
6. This-valuation work is undertaken by me based upon the request from The Manager ,
Capital Small Finance Bank,Tahli
7. If this property is offered as collateral security, the concerned financial institution is requested to
check to the extent of land as shown in this valuation report with Respect To the latest legal
opinion.
8. Value is time found & purpose found. The valuation report is as on date & for specific purpose
mentioned under I (2). The Report is not to be referred if the purpose is Different other than
mentioned (2)
9. Bank is requested to check whether N.O.C. from competent authority is required for the above
property through their LSA, & if so N.O.C. must be obtained before proceeding further with
disbursement of loan.
9. The deed involved in the property :
Sale deed no.4396 dated 20.08.2021
Certified that the property valued above is in my/our absolute possession and ownership, & it is
the same property which I/We have shown to the valuer Dr. Rajwinder Singh Bansal
for the purpose of assessing the market value of the property, it exists on the same plot/Khasra
no. as mentioned in the sale deed. Further certified that we have not sold /entered into an
agreement to sell the whole or any part of the property under valuation, which is being
mortgaged with Capital Bank and it is free from all encumbrances.
Sig. of Owner
The undersigned has inspected the property detailed in the above valuation report on-----------
--------------------. I have gone through the report & am satisfied, to the best of my knowledge
that the value of the property stated at Rs.………………………………………………….by the
approved valuer is realistic.

Branch Manager/Officer in charge of Advance Department

Date
LOCATION PLAN OF THE PROPERTY

PHOTOGRAPH OF THE PROPERTY

 Estimate Of Construction
Estimate of completing the Construction of Building of Mrs. Renu Bala W/O. Mr. Gurdeep
Lal at Mrs. Renu Bala W/O. Mr. Gurdeep Lal
Total Plot Area=593 sft.
As detailed in the attached plan.

Proposed Specifications:
The General Specifications are as Follows:
1. The foundation Concrete is to be of B. B. C. C. (1:6:12)
2. The brick work in plinth & Superstructure is of 1st Class in c.m. (1: 6)
3. The R. C. C. work is to be carried out in the proportion of (1:2:4) by Machine mixing.
4. The wooden doors are to be provided with brass fittings & fixtures & with wooden frame,
5. The Vitrified Tile flooring will be provided,
6. The inside cement plaster will be of 12 cm thick & of proportion (1: 4)
7. The sand faced plaster is to be provided on the exterior surface of walls.
9 The glazed tiles are to be provided in the bath rooms, with a Dado of 80 cm.
9. The underground concealed type wiring is to be provided for Electrification.
10. Govt. Arrangement/Own arrangement is to be done for Water Supply.
11. Govt. Arrangement/Own arrangement is to be done for Sanitation.
12. O.B.D Will be used Inside & Snowcem paint will be used Outside.

The quantities of various materials Required & Labour requirement is Calculated & the cost of
Materials Labour & Services is calculated based upon P. W. D. Schedule of Rates 2011 with
appropriate premiums there upon up to 2021 (on page no. 2&3) & Comes out to be
Rs.9,98,000/

As a result of appraisal & analysis it is considered opinion that the estimated cost of
constriction of above building is ₹.9,98,000/ (Rupees Nine lakh ninety eight thousand only)
 Total Plot Area = 592sft.
Proposed G.F. Covered Area 475sft. 45sq.m.
Proposed F.F. Covered Area 254sft. 24sq.m.
Total Proposed Covered Area 729sft. 69sq.m.
ESTIMATE OF MATERIAL
S.No. Item Quantity Rate/unit Amount in Rs.
1 Bricks(in nos.) 22048 7.2 158746
2 Cement in Bags 239 435 103965
3 Steel in Kg 1135 69 78315
4 Timber for Frames & Shutters(cu.m) 1.522 32375 49274
5 Sand (cu.m.) 29 651 18879
6 Coarse Aggregate 20mm & down(cu.m) 12 655 7860
7 Coarse Aggregate 40mm & down(cu.m) 12 871 10452
8 Brick Aggregate (cu.m) 7 818 5726
9 Primer in lit 5 150 750
10 Paint in lit. 7.614 350 2664.9
11 Glass (sq.m.) 4 42 168
12 Bitumen (kg) 116 50 5800
Door and window fittings
(a)Butt Hinges(no.) 100mm 24 50 1200
75 mm 42 35 1470
50mm 22 25 550
(b) Sliding bolts 250mm(no.) 6 25 150
(c )Door Lock (no.) 6 450 2700
(d)Tower bolts(no.) 250mm 10 45 450
150mm 24 40 960
100mm 9 35 315
(e) Door Handles (no.) 100mm 16 35 560
(f) Cup Board Knobs(no.) 2 50 100
(g) Ball Catcher (no.) 10mm 2 25 50
(h) Hook & Eyes(no.) 100mm 28 50 1400
(i) Chain & Hooks(no.) 300mm 4 50 200
(j) Hasp & Staples(no.) 115mm 1 35 35
(k) Fan light Catch (no.) 14mm 4 45 180
13 Rain Water Pipe 100mm 7 45 315
Bend 3 55 165
Plain 3 45 135
 Total Rs.4,53,535
ESTIMATE OF LABOUR
No. of Rate /
S.no. Labour Days Day Amount in Rs.
1 Mason 119 600 71400
2 Mazdoor 357 500 178500
3 Carpenter 72 650 46800
4 Painter 7 650 4550
7 Bar Bender 15 650 9750
Total Rs.3,11,000
Total cost of Materials &
Labour Rs.7,64,535
Add 2.50% Sundries 19114
Add 10% Profit & Overheads 76454
Total Rs.8,60,103
COST OF SERVICES
Item Rate per sq .m Amount in Rs.
Water Supply Arrangements 1187 80,716
Sanitary Arrangements 705 47,940
Electrical Arrangement 1058 71,944
Total Rs.2,00,600
EXTRA ITEMS
Item Rate per sq .m Amount in Rs.
For stub column arrangement in walls 715 49335
For Vitrified Tiles flooring 1855 126140
Construction of boundary wall 7'-
0" High with stub columns
Length in rm 125 2735 341875
Total 517350
Grand Total Rs.15,78,053
Work Already done Rs.8,55,750
Amount required to complete the work Rs.7,22,303
Cost of providing cupboards in Bed Rooms at G.F. & F.F. Rs.0
Cost of Modular kitchen at G.F. ( Lump Sum) Rs.2,75,000
Amount required to complete the construction Rs.9,97,303
Say 9,98,000