GL.SERIAL NO.

06/2011-12
BORROWER'S NAME
SRI
ASHOK KUMAR DAS
FATHER/HUSBAND NAME
S/O
SUBAL KUMAR DAS
ADDRESS1
BAISI BAZAR
ADDRESS2
BAISI
ADDRESS3
BAISI
PHONE/CELL NO
9931086146
DATE OF BIRTH (MM/DD/YY)
3-Aug-89 25 YEARS
AGE
22 ERROR
LOAN AMOUNT ( IN FIG)
18000
IN RUPEES
EIGHTEEN THOUSAND
DESCRIPTION OF ORNAMENTS
1 ONE PAIR EAR RING
2
3
For any suggestions Pl.Contact
4
5
6
7
8
9
10
GROSS WT (gms.)
17.48
NET WT
(gms.)
17.00
NO.OF ORNAMENTS
2
IN WORDS
TWO
DATE OF LOAN (MM/DD/YY)
16-Apr-11
NAME OF THE BRANCH
NAME OF THE TOWN/PLACE
SB AC NO.
PURPOSE OF LOAN
NO.OF ACRES:owned
Leased
NAME OF THE CROP

BAISI
BAISI
30798044912
AGRICULTURE
5.00
0.00
PADDY
31-May-2011

REPAYMENT MM/DD/YY
MARKET VALUE PER GRAM
SBAR
INTEREST RATE
PROCESSING CHARGES
Concessions on processing charges(if any)

1097
8.25
7.00
198.00

For any suggestions Pl.Contact :

N H TIRUMALA RAO
9247278015

SIM-GL /1-AGGLSET -AGR 71-COMP-2640710

BAISI BRANCH
APPLICATION CUM APPRAISAL FOR LOANS AGAINST GOLD / SILVER ORNAMENTS
TO,
The Branch Manager
State Bank of India

Signed photograph of

BAISI

the applicant

AGL

Signed photograph of
the

co- applicant

NO SECOND APPLICANT HENCE BLANK

06/2011-12
Name of theIntroducer
CIF/Ac.no
Signature

NOT
APPLICABLE
EXISTING CUSTOMER

Dear Sir,
SANCTION OF LOAN AGAINST GOLD / SILVER ORNAMENTS
I propose to take up the following agriculture/allied activities and request you to sanction me an
Agriculture Cash Credit / Demand Loan /Term Loan amount of Rs.

18000 /-

Rupees Eighteen Thousand Only

against the pledge of gold /silver ornaments. My particulars are furnished below:

DETAILS OF ACTIVITY(IES)

1. CULTIVATION EXPENSES IN Ac 5.00 CENTS

2
3

: Sri Ashok Kumar Das

S/O Subal Kumar Das
22 YEARS
Dt of Birth
3-Aug-89
AGE
2. Address
BAISI BAZAR
Baisi
BAISI
PHNO 9931086146
3.Details of activity(ies) to be under taken
:As listed above
4.land Holdings in acres(if any)
Owned
Leased Share Cropper/Tenant Farmer
5.00Acres
NIL
TOTAL ACRAGE
5.00Acres
CROPS GROWN
PADDY
5.Particulars of ID Proof
:
EXISTING CUSTOMER ,HAS SB A/C 30798044912
(For new customers only)
6. I certify that the above particulars are correct.
Place :
BAISI
*
Date :
16-Apr-11
Signature of the Applicant
(SIG/LTI OF ASHOK KUMAR DAS )
1. Name

APPRAISAL & SANCTION

FOR OFFICE USE ONLY

Net Weight in grms

(A)
17

Advance Value per gr

(B)
1097

Total advance value in Rs.

( C)= (AXB)
18649

Certified that the gross and net weight of gold ornaments, their valuation rate and advance
value as given above have been verified by me and are correct.

BAISI
Date :

16-Apr-11

Cash Officer

NEW GLOD LOAN AC NO :

1. Loan Amount :
2. Interest Rate :
3. Repayment :

7.00 % (i.e 1.25 %p.a. above/below SBAR)

31-May-11

4. Processing charges :

Branch :
Date :

Rs 18000 /-

BAISI
16-Apr-11

Rs. 198.00
AppraisedAppraised
Sanctioned

Sanctioned

Cash Officer

Sanctioning Authority

Control

Controlling Authority
Date :

LOAN Amt
(D)
18000

SIM GL /2

Gold / Silver Ornaments

The Branch Manager

State Bank of India
BAISI

Take Delivery Letter

AC NO

Dear Sir,

Loan against security of gold / silver ornaments

Please take delivery of the following gold ornaments by way of pledge and grant me / us
an agriculture gold loan (demand loan / cash credit/ term loan) of Rs 18000 /Rupees Eighteen Thousand Only against security there of.
IN GRAMS
s.no
Description
Gr.Wt
Net Wt
1 ONE PAIR EAR RING
2
3
4
5
6
7
8
9
10

TOTAL
No. of ornaments :

17.48

17

TWO

I/we certify that all above gold / silver ornament(s) are my/our bonafide property and no other
person has any claim against them.
On payment of all dues of the Bank, please deliver the ornaments to __________________ (to be
specified only in case of Joint accounts with a suitable option, viz. either / both of us or survivor,
former or survivor, etc.)
The security created herein above is intended to and shall operate as a continuing security for all loans
indebtedness an liabilities of the borrower(s) to the Bank at all times during the subsistence of loan(s)
notwithstanding
a. The existence of the cash credit balance or NIL balance in the loan accounts at any time or
any partial payment of fluctuation of accounts or
b. Any loans or any part thereof have been repaid either after demand has been made by the bank
or otherwise or has been repaid on demand
Yours faithfully
*
Signature(s) of borrower(s) :
Date :
16-Apr-11

SIM - GL /4

ARRANGEMENT LETTER
BAISI BRANCH
To,
Shri/Smt./Kum Ashok Kumar Das
Subal Kumar Das
Baisi Bazar
Baisi
BAISI
Dear Sir,
Gold Loan Demand Loan / Agri Cash Credit / Agri. Term loan of

Rs 18000 /-

With reference to your application dated

16-Apr-11 we hereby sanction you a demand loan/
over- draft of Rs 18000 /- [RUPEES EIGHTEEN THOUSAND ONLY]
on the following terms and onditions:
1. Purpose: The loan is sanctioned to you as per your application dated
16-Apr-2011
2.Rate of Interest:
1.25 %p.a. above/below SBAR with a minimum of
7.00 %p.a.
In the event of a default in payment or any irregularity in account, the Bank reserves the
right to levy a higher rate of interest, as it deems fit with monthly/quarterly/Half yearly
/yearly rests. The rate of interest is subject to revision from time to time and you shall be
deemed to have notice of changes in the rate of interest whenever the changes in SBAR
rate displayed/notified at/by the branch / published in newspapers / made through
entry of interest charged in the passbook / statement of account sent to you etc. In the
event of a default in payment or any irregularity in account, the Bank reserves the right
to levy a higher rate of interest as it deems fit.
3. Repayment * : a. Cash Credit accounts: The facility is a running account and the
sanction is valid for three years, subject to review every year to determine satisfactory
conduct of account.
b. Demand loans : Payable on demand. The entire loan along with interest is to be
repaid on (date).
c. Term Loan : The loan amount along with interest is repayable in _________ (number
of instalments) monthly/quarterly/half-yearly /yearly Instalment of Rs.___________ and
a final instalment of Rs. ____________.
(* Strike out whichever is not applicable)
4. Processing Charges:
Processing charges of Rs. 198/- is payable immediately, which will be debited to the account
5. In the event of failure to pay any single instalment, bank is entitled to call up the full loan
amount due with interest.
6. Please call on us on any working day to execute the documents. The loan is also subject to
other terms and conditions as mentioned in the document (s) executed / to be executed
in connection with the loan and as may be prescribed by the Bank from time to time. The
duplicate copy of this arrangement letter may please be returned to us duly signed by
you s) within a period of 45 days from the date of this letter in token of acceptance of the
terms and conditions detailed herein.
Yours faithfully

Branch Manger
Date:

Received the original.

Terms and conditions accepted
*
Signature(s) of Borrower(s)
16-Apr-11

STATE BANK OF INDIA

BAISI

SIM GL /9

Memorandum in respect of Gold / Silver Ornament(s) deposited as security

Date:
Gold Loan No.

16-Apr-11
REPAYMENT :

Ledger Folio No.

31-May-11

06/2011-12

The under noted gold / silver ornament (s) have been deposited with us as security against the loan of
Rs 18000 /Rupees Eighteen Thousand Only
advances on

16-Apr-11

to Sri/Smt ASHOK KUMAR DAS

Particulars

S.No

Description

Gross Wt Net Wt

1 ONE PAIR EAR RING

2
3
4
5
6
7
8
9
10
No.Of Ornaments

IN GRAMS

17.48

17

TWO

Note : To be prepared in duplicate. One copy is to be placed in the

Gold loan bag and the other is to be given as acknowledgement to

Cash Officer
Branch Manager
the borrower.
------------------------------------------------------------------------------------------------------------------------------

STATE BANK OF INDIA

BAISI

SIM GL /9

Memorandum in respect of Gold / Silver Ornament(s) deposited as security

Date:
ACNO :

16-Apr-11
REPAYMENT :

Ledger Folio No.

31-May-11

06/2011-12

The under noted gold / silver ornament (s) have been deposited with us as security against the loan of
Rs 18000 /Rupees Eighteen Thousand Only
advances on

16-Apr-11

To Sri/Smt ASHOK KUMAR DAS

Particulars

S.No

Description
1 ONE PAIR EAR RING
2
3
4
5
6
7
8
9
10

No.Of Ornaments

Gross Wt Net Wt

IN GRAMS

17.48

17

TWO

Note : To be prepared in duplicate. One copy is to be placed in the Gold loan bag and
the other is to be given as acknowledgement to the borrower.

Cash Officer

Branch Manager

STATE BANK OF INDIA

BAISI
SIM-GL/9

GOLD LOAN LEDGER

CIF NO./SB ACNO
Account No
LEDGER FOLIO

30798044912

06/2011-12

RATE OF INT:
1.25 % below SBAR i.e 8.25 %

D.P Note dated 16-Apr-11

Name of the Borrower
Address

For Rs: 18000

effective Rate 7.00 % Per Annum

ASHOK KUMAR DAS

S/O,W/O SUBAL KUMAR DAS

BAISI BAZAR
BAISI
BAISI

PARTICULARS OF SECURITY
S.NO

Description
1 ONE PAIR EAR RING
2
3
4
5
6
7
8
9
10

LOAN AMOUNT SANCTIONED

No. of Ornaments

Rs.

Gr.Wt.
gms.

Net.Wt
gms.

17.48

17.00

Value/10gm

Rs.

10970.00

18000.00

TWO

CASH OFFICER

BRANCH MANAGER
received the gold / silver ornaments pledged by me which is/are
complete and in order

BORROWER

cos 229
SIM GL3-AGGLSET-AGR71-COMP-2640710

DEMAND PROMISSORY NOTE

PLACE
DATE

Rs 18000 /On demand

BAISI
16-Apr-2011

ASHOK KUMAR DAS

S/O SUBAL KUMAR DAS

promise to pay

State Bank of India BAISI Branch Or Order the Sum of Rupees Eighteen Thousand Only for value
received with interest from this date at 1.25%

below/Above SBAR i.e. 7.00% with Half Yearly Rests

revenue
stamp
SIGNATURE (with date)

D.P NOTE DELIVERY LETTER

The Branch Manager,
State Bank of India,
BAISI

Place :
Date:

BAISI
16-Apr-11

Dear Sir,
16-Apr-2011
Please take the delivery of the accompanying Demand Promissory Note dated
for Rs 18000 /- made by me in favour of in favour of State Bank of India, BAISI Branch

I further request you to note that I dispense with a notice of the dishonour in terms of Section 98 (a)
of the Negotiable Instruments Act 1881 and that in the event of payment not been made on demand, the
Bank is at liberty to give time for payment to either of us without discharging either of us from liability.

Yours faithfully,

SIGNATURE

ANNEXURE I / II
To be executed by borrower[s] / guarantor [s]
1 I / We, understand that as a pre-condition, relating to grant of the loans /
advances / other non-fund-based credit facilities to me / us, *State Bank of
India, requires my / our consent for the disclosure by the bank of,
information and data relating to me / us, of the credit facility availed of / to
be availed, by me / us, obligations assumed / to be assumed, by me / us, in
relation thereto and default, if any, committed by me / us, in discharge
thereof.
2 Accordingly, I / We, hereby agree and give consent for the disclosure by
the *State Bank of India of all or any such :
[a] information and data relating to me / us ;
[b] the information or data relating to any credit facility availed of / to be
availed, by me / us, and
[c] default, if any, committed by me / us, in discharge of my / our such
obligation,
as the *State Bank of India may deem appropriate and necessary, to
disclose and furnish to Credit Information Bureau [India] Ltd. and any other
agency authorised in this behalf by RBI.
3 I / We, declare that the information and data furnished by me / us to the
*State Bank of India are true and correct.
4 I / We, undertake that :
[a] the Credit Information Bureau [India] Ltd. and any other agency so
authorised may use, process the said information and data disclosed by
the State Bank of India in the manner as deemed fit by them ; and

[b] the Credit Information Bureau [India] Ltd. and any other agency so
authorised may furnish for consideration, the processed information and
data or products thereof prepared by them, to banks / financial institutions
and other credit grantors or registered users, as may be specified by the
Reserve Bank of India in this behalf.

Signature :
(Borrower : Sri Ashok Kumar Das)

*The expression 'bank' includes lending institutions for the purpose.

LETTER OF AUTHORISATION
Loan No.

06/2011-12

Date:
Date:

4/16/2011

I, ASHOK KUMAR DAS

do hereby undertake to pay empower the
bank, now with standing the convenents in the loan documents/DP Note agreeing to pay a specific
rate of interest, to charge at Bank's discretion the applicable rate of interest basing on aggregation of total credit facilities granted to me/us any given point of time.
This letter of authorisation/undertaking shall be read in conjuction with and in continuation of the loan document(s) including the DP Note take delivery letter etc.,executed or to
be executed and shall not be treated in supercession or substitution of the convenents dealing
with the rate of interest in the loan documents including the DP Note.

SIGNED AND DELIVERED ON

BAISI

Signature(s) of Borrower(s)

Additions in the arrangement letter:

Interest :
In terms of RBI instructions, for short term productions credit (up to a limit of Rs.3 lacs)disbursed
during the current financial year
)Kharif and Rabi seasons rate of interest charged will be
7% p.a. This concessional interest relief will be proveded on the amount of the crop loan disbursed from the date of disbursement/drawal up to the following dates.
Kharif
Rabi

disbursements:Date of payment or Coming MARCH whichever earlier

disbursements:Date of payment or coming JUNE whichever earlier

Please note that after the above cut off date. Bank's usual interest rate, applicable from time to
time woiuld be applied on your account. Our Bank's interest rate as of now is:
1.25 %p.a. above/below SBAR with a minimum of
7.00 %p.a.

Signature(s) of Borrower(s).

(To be submitted in duplicate)

SRL.NO.1805/AGL/

06/2011-12

STATE BANK OF INDIA

BAISI
CONTROL RETURN FOR INDIVIDUAL REPORTING OF AGRICULTURAL ADVANCES
1
2

Name of the Borrower (s)

Name of the Village

3
4

Date of Sanction
Details of Land and crop
Grown/to be grown
(a). Total Holdings
(b). Main crops grown

5.
6.
7.
8.

9
10
11
12
13

14
15

:
:

ASHOK KUMAR DAS

BAISI BAZAR
BAISI
BAISI
16-Apr-2011

:
:

Ac 5.00 Acres

PADDY

Nature of advances
:
Purpose of advance
:
Limit Sanctioned
:
Rs.
Generation Of Income:
(a).Estimated net annual income from
agricultural operations
(b) Income from Custom services,
if any
(c) Net annual income from other
services, if any
Total Surplus
Repayment Period
:
Due dates
:
Installment amount
:
Interest rate
:
Brief details pf security:
(a) Primary security
Gross Wt
Processing Fee recovered
:
Details of existing borrowings
(a) From the Bank
:
(b) From other Banks/Agencies

16 Remarks

AGRL.DEMAND LOAN against gold ornaments

CULTIVATION EXPENSES IN Ac 5.00 CENTS
18000/-

With in two months from next crop harvest

31-May-2011
Not Applicable
7.00%

17.48
Rs 198 /-

Pledge of Gold Ornaments

gms
Net Wt

17

gms

NIL
NIL
:

Place
BAISI
Date
16-Apr-11
BRANCH MANAGER
_______________________________________________________________________________________
FOR THE USE AT RBO-AU-VZA

SCRUTINISED FOR
CONTROL
Regional Business Office
Admn.Unit.Vijayawada.
Date

Dy.Mgr(ADV)

CONTROLLED

CM(Rural)/RM