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8. Total Cost/Budget:Total cost/budgetLoan appliedMargin Money RequiredBalance in AccountAdvance PaidDeficit , if anyArrangements made to raise deficit amount:4Rs.Rs.Rs.Rs.Rs.Rs.9. DEBT SERVICE COVERAGE RATIO (DSCR) For Loans above Rs.15.00 Lakh (ExceptEducational Loans to Students):(Rs. in Lakh)Years 2020 20 20 20 20 201. Net Profit after Tax2. Depreciation3. Interest on Term Loan4. Cash Accruals (1 + 2 + 3)5. Term Loan Installment6. Int. on Term Loan7. Total Repayment (5 + 6)8. DSCR (4/7)9. Average DSCR10. I/ We am/are offering the Guarantee of:i) Mr/Ms:_________________________________________________________________________ii) Mr/Ms:_________________________________________________________________________Their consent letters are enclosed.11. I/We declare/undertake thata) I/We am/are the resident/s of India and hereby certify that all the information furnished byus is true and correct. No legal action has been/is being taken/initiated against me/us byany lending institution/Bank.b) I/We have paid all our Statutory Dues to the respective authorities and no dues/claims arepending /to be paid to/with any of the authorities till date.c) I/We shall furnish all other information that may be required by you in this connection withmy/our application. We also authorize you to exchange the information with any agency youmay deem fit.d) You, your representative, or any other persons authorized by you, may at any time,inspect/verify our assets, books of accounts, details/information provided by us etc. infactory/business premises/residence or Employer, without prior information.e) I/We agree to display the Bank's Name Board with wordings, "Goods hypothecated to/We arebanking with "Abhyudaya Co-op. Bank Ltd.” at a prominent place in Office/Gala/Factory/Business place and on Securities hypothecated to you.f) I/We hereby undertake to operate exclusively with your Bank and will nothypothecate/mortgage securities offered to you, to any other Bank/Financial institution andavail any loan/facilities from other Financial Institution/Bank.g) I/We consent for the Bank submitting/sharing/ exchanging information about thedetails of all our Credit facilities to Reserve Bank of India, Indian Banks'Association, Any Credit Information Agencies and other/Banks Authorities.h) I/We shall abide by the terms and conditions of the sanction unconditionally and pay all thecharges and interest amount that may change from time to time.i) I/We understand and know that the Bank’s decision is final whether toreject/sanction/sanction in part the amount of banking limits without assigning any reason.The Bank shall reserve all the rights to call back the amount at any time in case it is foundthat any of the information given by us is false.j) We also confirm that we have received the List of Bank Charges/Fees payable by theApplicants, enclosed with this application.(Mr/Ms:_______________________________)(Applicant)(Mr/Ms:___________________________)(Co-Applicant)
5Check List for DocumentsDocuments to be submitted along with the Loan Application(Wherever copies are submitted, please bring originals for verification)Sr.No.Name of DocumentApplicant/Co-Applicant1. Copy of Ration Card/ Electricity Bill2. Copy of Maintenance Receipt3. Salary slips & Copy of Form No.164. Income Statements for 2 years (All)5.6.Purpose Proof (Quotation/Declaration/ etc.)Statement/s of all Bank Account/sfor last I year.7. 3 Photographs8. Copy of PAN CardWhethersubmitted(Yes/No)If not submitted, reason forNon-submissionSurety -I1. Copy of Ration Card2. Copy of Maintenance Receipt3. Salary slip/Form No.164. Income Statements5. Signature Verification from Bank6. 1 PhotographSurety –I1. Copy of Ration Card2. Copy of Maintenance Receipt3. Salary slip/Form No.164. Income Statements5. Signature Verification from Bank6. 1 PhotographOther Documents to be submitted where properties are offered as security.(Other documents if any, shall be submitted as per Mortageagibility Checking Reportafter verification of Mortgage-ability of the property)1. Original Agreement for Sale2. Original Registration Receipt3. Copy of Approved Plan & CC4.NOC from Builder/ Society/MHADA/CODCO5. Copy of Occupation Certificate6. Copy of Regn. Certificate of Society7. Original Receipts of Payment8. Title Clearance Certificate9. Valuation Certificate10. Previous original chain documents11. Original Possession Letter
Page 1 and 2: LOAN APPLICATION FOR INDIVIDUALS(Fo

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