SECURITYProperty inspection report by Manager F 337Legal opinion of the property Given by Bank Panel Advocate - Verify point No. 24 & 25 availableValuation report of the property - Given by Bank Panel Valuer/Engineer - FSV value to be takenEquitable Mortgage/Title deeds to be created before release of loan ( F 379 )Registered Memorandum to be doneBPEC to be obtainedCERSAI formalities to be completedInsurance for the property (if Building/Factory/Shed/House) to be done

NON-SECURITY - COVER UNDER CGTMSECGTMSE application to Regional Office after release of loan (Retail Trading are not covered under CGTMSE)Get on line number with CGTMSE premium amount from Regional OfficePremium by debiting the loan account and issue DD on CGTMSE payable at Mumbai, but the DD to be sent to Regional Office

PENSION LOANSApplication/Letter of undertaking/borrower/family members/ 1, 2, 3If LTI borrower, obtain copy of photoCopy of pension payment/order/pension slipLoan eligible amount / Repayment period : as per AGE below 65 (OR) above 65Office Note/sanction letter

Second line CertificateF 568DPN with Base RateCAL BF 378F 111 if need be loan amount is more than Rs.1,00,000

CLEAN LOANSProper application / photo / signature of the borrowerIncome proof/salary certificate for the borrower Guarantors statement with Photo of guarantors F 349Income proof/salary certificate of guarantorsCIBIL reportF 347 Assets and Liabilities statementUndertaking letter from the employer for repayment of loanOffice Note/sanction letter

Second Line certificateF 568DPN with base rate clauseCAL BF 378F 111 from guarantors

VIDYA JOTHI EDUCATION LOANProper application with Photo/Signature of student and parentK Y C : Ration card/Voter card/Pan card of parentIdentify card for the studentIncome proof of the parentAffidavit from Notary public/self declaration/residential certificateLetter of undertaking by both student and parent10th mark statement/ plus two mark statement/other degree mark statement Bonafied certificate with fee structure from the college authoritiesOffice Note/sanction letter

Second line certificateF 568DPN with Base Rate clauseCAL BF 378F 111 if need beSECURITIES as per procedure if necessary

Good health certificate for student/parentLetter of Assignment of Salary (in duplicate)Ratification letter, if student is minor as on date of loan sanction/release (loan documents are signed only by parent)Cover under Vidya suraksha insurance scheme is compulsoryBills/Copy of mark statements to be obtained every year before release of next year eligibilityS H G LOANSProper application SHG I to VI completely filled(Some recommended by local authorities like BDO, Town Panchayat etc. with subsidy)Account maintenance with a minimum period of 6 monthsGroup request letter for sanction of loanIndividual K Y C of the group membersGroup photo of the SHG / OR / individual photo of membersOffice note/sanction letter

Second line certificateF 568DPN with base rate clauseCAL BF 378

Resolution from the group members for availing the loanRating sheet from the NGOInsurance cover for the group members under SHG group insurance schemePost sanction report

PUSPAKA LOANApplication / Photo of borrower / SignatureQuotation for the vehicle to be proposed to buyCopy of IT returns / Balance sheet for the last 3 yearsF 347 Assets and Liabilities statement/ F 349 in case of Guarantor with photoCopy of driving licence/copy of permit in the case of vehicle used as public vehicleCIBIL report verificationIncome proof/salary certificateLetter of undertaking from the employer for recovery of employment if employedOffice note/sanction letter

Second line certificateF 568DPN with Base Rate ClausePL 7F 378F 111 if need be

F 29 and F 30 (RTO forms) to be obtained in duplicateBills to be obtained after purchaseCopy of RC book/insurance to be obtainedPost dated cheques - if necessaryPost sanction report

HOME LOAN (OTHERS)Pre sanction report by Manager/Advance officer F 337Proper application / photo of the borrower / signatureIT return /Balance sheet for the past 3 yearsF 347 / F 349 in case of guarantor with photo of guarantorSalary certificate/income proofCIBIL report Estimate for construction/purchase of house from approved valuerSECURITIES - as per procedureOffice Note/sanction letter

Second line certificateF 568DPN with Base Rate ClauseF 378HL 2F 111 - if need be

Loan to be released in stages/inspection certificate for every stageCompletion certificate by the borrowerFinal post sanction reportInsurance for the property/house after completion Property tax paid receipt to be obtained after completion and tax paid

SMALL LOANS / TERM LOANSPre sanction reportProper application / Photo / signature of borrowerQuotation for the proposed purchasesCIBIL reportNo due certificate from local Bank/sF 347 / F 349 in case of guarantor with photo of guarantorSECURITIES as per procedure / OR / CGTMSE cover - as per procedureOffice Note/Sanction letter

Second Line certificateF 568DPN with Base Rate ClauseF 378F 407 (in case of term loan F 110 A for open advance, F 110 C for Term Loan agreement, F 110 B for Machinery purchase, in case of Vehicle PL 7 to be obtained)F 111 if need be

Bills to be obtainedPost sanction reportInsurance for the assets created out of loan to be doneNote: Small loans - repayment as per EMI Chart Term Loans repayment as per Monthly instalment of Principle plus Interest for the particular month

AGRICULTURAL ADVANCES - CROP LOANS/ K C CNecessary Agri. Forms from the borrower / photo / signatureF 347 / F 349 in case of guarantor with photoPre sanction reportNo due certificate from local Bank/sCHITTA for the land holdings and ADANGAL for the crop plantedSECURITIES - as per procedure (upto Rs.50,000 No Guarantee/No Security AND upto Rs.1,00,000 No Security but Guarantee to be obtained)Office Note/sanction letter

Second line certificateF 568DPN with base rate clauseF 16 in case of CC accountF 110 (i)F 111 in case of guarantor

Insurance to be done : for cropPost sanction report

AGRICULTURAL ADVANCES TERM LOANSNecessary Agri. Forms from the borrower / photo / signatureF 347 / F 349 in case of guarantor with photoPre sanction reportNo due certificate from local Bank/sCHITTA for the land holdings and ADANGAL for the crop plantedDetailed quotation for purchase of machineries/activitiesSECURITIES - as per procedureOffice Note/sanction letter

Second line certificateF 568DPN with base rate clauseF 110(i)F 378 PL 7 in case of vehicle like Tractor/Power Tiller/Agri. Transport F 111 in case of guarantor

Insurance to be done : for crop / for machineries purchased Post sanction reportF 29 and F 30 in duplicate to be obtained in the case of VehiclesCopy of RC book/Insurance to be obtained in the case of VehiclesBills to be obtained in case of term loans as per quotation

SMALL LOANS UNDER DRIProper application for DRI loans / Photo / signature of borrowerQuotation for the proposed purchasesF 347 for the borrowerCopy of residential proof Income Proof/Certificate - issued by not below the rank of Deputy TahsildarOffice Note/Sanction letter

Second Line certificateF 568DPN with Base Rate ClauseF 378F 407

Bills to be obtainedPost sanction reportInsurance for the assets created out of loan to be done

AGRICULTURAL LOANS UNDER DRIProper application for DRI loans / Photo / signature of borrowerQuotation for the proposed purchasesF 347 for the borrowerCopy of residential proof Income Proof/Certificate issued by not below the rank of Deputy TahsildarOffice Note/Sanction letter

Second Line certificateF 568DPN with Base Rate ClauseF 378F 110(i)

Bills to be obtainedPost sanction reportInsurance for the assets created out of loan to be done