Revised Application

PUNJAB NATIONAL BANK RBD (A) CIRCULAR 05 /2018
RETAIL BANKING DIVISION (ADVANCES)

4th Floor, East Wing, Plot No. 4,
Dwarka Sector 10, NEW DELHI - 110075
Email: rbd@pnb.co.in
08.01.2018
GIST - Revised Loan
Application Forms Under
Retail Lending Schemes
TO ALL OFFICES
RETAIL BANKING DIVISION (ADVANCES) CIRCULAR NO. 05/2018

REVISED LOAN APPLICATION FORMS UNDER RETAIL LENDING SCHEMES
As per the study made by Banking Codes & Standards Board of India
(BCSBI) on “BCSBI Code Compliance of our Bank”, our bank has been assigned
‘Average Rating’ for the year 2017 with a reduction in the overall score as against
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the score in the previous year. The study is based on the data collected by the
BCSBI officials at branch level.
2. The low status of compliance on the following parameters of BCSBI code has
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resulted in bringing down the score:
(a) Acknowledging receipt of loan applications, indicating the period within which
the customer can expect disposal of the loan application.
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(b) Providing Most Important Terms & Conditions (MITC) for retail loans / credit
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facilities along with the application form to the customer.

3. In order to improve the compliance level of the BCSBI Code, Customer
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Service Committee of Board has advised to incorporate the clause of

acknowledgement in the loan application form along with Most Important Terms &
Conditions (MITC).
4. In view of the above, loan application forms pertaining to Retail Loans have
been revised duly incorporating the acknowledgement clause and MITC. The revised
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application forms have been assigned new numbers and the same is placed at
Annexure.
5. You are requested to use the revised loan application forms in future.
6. All concerned are advised to note for meticulous compliance.
(Naveen Kumar)
General Manager
INDEX: Miscellaneous (Loan application forms)

RBD (A) Circular No. 05/2018
Annexure
INDEX
Sr. Retail Lending Scheme Form No.
No.
1. Education Loan PNB1218A
2. Housing Loan to Public PNB1054A
3. Vehicle Loan PNB1055A
4. Personal Loan to Pensioners PNB1112A
5. Personal Loan to Public PNB1114A
6. PNB – Baghban ( Reverse Mortgage) PNB1193A
7. Advance against Gold Jewellery/Ornaments and Gold Coins PNB944A
8. Scheme For Finance Against Mortgage Of Immovable PNB1241
Property
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APPLICATION FORM FOR TERM LOAN FOR PURSUING HIGHER EDUCATION
Branch Office: ____________ Date of Application: ________
Part – I Student Applicant's information
1. Applicant’s Name Last: First: Middle:
2. Father’s/Husband’s/Guardian's Name
3 (a) Present Residential Address* _____________________________________
_____________________________________
City/Location __________________________ Recent Self Attested
District _____________________________ Photograph
Pin Code ___________ Country__________ of the applicant
(b) Permanent Residential Address* _____________________________________
_____________________________________
City/Location __________________________
District _____________________________
Pin Code ___________ Country__________
4. Category SC/ST/OBC/MINORITY/OTHERS
5A E-Mail id 5B. Mobile
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6. Telephone No. (with STD code) :
7(a) Income Tax Pan No.* , if applicable
7 (b) Aadhar No.*
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(c)(i) Voter ID No.*
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Any one of
(ii) Passport No.*
these
(iii) Driving Licence No.*
8 a) Nationality
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b). Age ___ Yrs. c) Date of Birth (dd/mm/yyyy)*:
d) Gender (Please tick) Male Female Transgender
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e) Is Student Married (please tick) Married Unmarried

f) If married Name of Spouse and
Occupation
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9. What the Student at present

is doing - Past experience, if
any
9.A Income from all sources (Amt in Rupees)
10. Educational Qualifications From Class 10th to upto date*
Board /Institutions Year of Passing Percentage of marks Attempts made Class/Divisi
Examination / University on/ Grade
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11.Particulars of Scholarships / Prizes won for academic distinction, if any

12. Particulars of the course* Whether under: Merit/ Management Quota
(i) Name of the course
(ii) Duration of the course Dt of commencement Dt of completion
(iii) Full time/Part Time/ Distance learning
(iv) Name of college/ University
(v) Address
(vi)Approved by (vii) Affiliated with
(viii) Type of institute Govt/ Semi-govt/ Private
(vii) Whether loan sought is for study abroad
13. Details of Bank Account, if any Bank Branch A/C No
Part – I A Co-borrower's information
14. Co-borrower's Name Last: First: Middle:
15. Father’s/Husband’s Name

16. (a) Present Residential Address* __________________________________
______________________________City/L
ocation _____________________
District __________________________ Recent Self Attested
Pin Code ___________Country_______ Photograph
of co-borrower
(b) Permanent Residential Address* __________________________________
______________________________
________________________________Cit
y/Location _____________________
District __________________________
Pin Code __________ Country_______
17 Category SC/ST/OBC/MINORITY/OTHERS
18 a) E-Mail id 18 b) Mobile
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19. Telephone No. (with STD code)
19 Relationship with student
20.(a) Income Tax Pan No.*
20 (b) Aadhar No. *
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(c)(i) Voter ID No.*
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(ii) Passport No.* Any one of these
21. Occupation, give complete particulars
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21A. Income from all sources
22 Work Experience in Service/business/profession
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23. a) Age yrs b) Date of Birth dd/mm/yyyy)*:

c) Gender (Please tick) Male Female Transgender
d) Details of income of any other member of the
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family, if earning
e) No. of dependents
f) Banking with us Yes/No, if yes, a/c no. / Customer Id.
24.Status of current residence ❏Owned ❏Rented ❏Other, (please specify)
25. Present Banker detail Bank Branch A/C No
26 Details of Education Loan(s), if any, already

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availed for the student or any member(s) of the family

from PNB or any other Bank/financial institution:
27. Statement of Assets and Liabilities Borrower/co-borrower ( Amount `)
Liabilities Assets
Outstanding Loans/Advances Amount Amount
Immovable properties:
Land
Bank Building
Employer Movable properties:
Provident fund Cash
Relatives and friends Deposits with banks
Others Investment in govt.
securities
Others
Total Total
Net Worth (Actual in `)
28. Summary of Fee etc. own sources and loan required (details as per table below):
st nd rd th th
Sl 1 year 2 year 3 year 4 year 5 year Total
A Fees:
I College / School
Ii Examination/Library/ Laboratory
Iii Other fee (please specify)
Iv TOTAL of A(i to iii)
B Cost of Books/ equipments/
maintenance
I Hostel
Ii Purchase of computers (If essential
for completion of course)
Iii Purchase of books/Equipments/
Instruments/ Uniform
Iv TOTAL of B(i to iii)
C Others
I Travel expenses/ Passage money
for studies abroad
ii Insurance Premium for student (if
opted)
iii Caution deposit, Building fund/
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refundable deposit $
iv Any other (please specify)
V TOTAL of C (i to iv)
D TOTAL of A(iv)+B(iv)+C(v)
E Sources of finance (apart from Bank
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loan now applied for)
i Non-repayable scholarship/
fellowship or other financial
assistance
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ii Repayable scholarship/ fellowship
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or other financial assistance

iii Funds available from family sources
iv Other (Please specify)
V TOTAL of E (i to iv)
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F Total Amount required {F=D-E(v)}

$ supported by Institution Demand letter(s)/bills/receipts, subject to the condition that the amount does not exceed 10% of
the total tuition fees for the entire course.
29 Please specify in brief how the completion of the A: Expected income per month `
course is going to help the student in improving B: Anticipated monthly expenses `
his prospects of earning his livelihood: C:Amount available for repayment of loan `
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29 A Details of collateral securities offered, if

applicable: (NSC/KVP/LIP/Immovable Property etc.)
30 Whether related to Chairman/ Directors/

employee of our bank or any other banks. If yes,
details of relationship
30A. Any other useful information:
31. I/We hereby apply for a term loan (Education loan) of `.______________________
(`__________________________________________________________________, in words), repayable in
___________ monthly installments beginning___________ years after the disbursal of the loan to enable
______________ ____________________(name of the student) to pursue higher education in
____________________________ (name of course) from________________________________________________
(name of Institution) approved by _________________ (AICTE/UGC/NEC/Govt./ AIBMS/ ICMR etc…) affiliated to
_______________________________. I, ______________________ (name of student applicant) am opting/ not opting
for Life Insurance Cover from __________________________ (Name of Insurance Company), premium for which may be
financed by the Bank/ shall be contributed by me from my own sources.
32. It is declared that:

The information given in the loan application is true and nothing has been concealed. The undersigned undertakes to
inform the Bank any change in my residence / office address and to provide any further information that the Bank may
require. The undersigned has been informed of the charges / fee to be levied by the Bank and agrees to pay upfront fee,
documentation charges, etc. as applicable and charged by the bank. The undersigned hereby agree to be bound by
these terms and conditions or by the revised additional terms and conditions which may at any time hereafter be made
while the loan obtained by me/us is still outstanding.
33. I have read the attached Most Important Terms and Conditions (MITC) annexed to the application form
carefully and agree to the same.
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(Signature and Name of student applicant) (Signature and Name of co- borrower (s))
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Note: All columns of the form should be properly filled up and supporting documents duly signed by
applicant/co-applicant wherever required should be attached particularly those marked with a *. If there is
guarantor, he/she should also fill up the guarantor information (Part II).
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List of documents enclosed:
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1. _________________________________________________
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2. _________________________________________________
3. _________________________________________________
4. _________________________________________________
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______________________________________________________________________________
ACKNOWLEDGEMENT
*Sl. No.________ Date:____________
Received application from Mr/Ms/M/S _______________________________ R/O/Office at

_______________________________________________________________ for a ______________ (Type of Loan)
loan/limit of Rs._____________________ for ______________________________ (State the purpose). The loan
application will be disposed-off and acceptance/ rejection would be intimated within ____ days from
date of receipt of completed application form with supporting documents.
Serial number and date of the acknowledgement should be quoted in all future
correspondence.
Officer/Manager (Loans)/Incumbent
(Seal of the Receiving Branch)

*Sl. No. of the acknowledgement format should be the same as indicated in the register for receipt of
credit proposals.
Part – II Guarantor information
1. Name _______________________________________________________
2. Father’s/Husband’s Name _______________________________________________________
3. Address a. Residence* _______________________________________________________
_______________________________________________________
_______________________________________________________
Recent
Location/City____________________________________________
District ____________ Pin Code_____________
Country___________
b. Office. _______________________________________________________
_______________________________________________________
_______________________________________________________
Location/City____________________________________________
District ________________ Pin Code________Country___________
c. Permanent Address _______________________________________________________

_______________________________________________________
_______________________________________________________
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Location/City____________________________________________
d. E-mail Id _______________________________________________________
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e. Mobile _______________________________________________________
4. Telephone No.: Residence _______________________________________________________
(with STD code) Office _______________________________________________________
5. Age (yrs.) _______________________________________________________
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6. Date of Birth (dd/mm/yyyy):* _______________________________________________________
7A. Gender (male/female/Transgender) _______________________________________________________
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7B. Category _______________________________________________________

(SC/ST/OBC/MINORITY/OTHERS) _______________________________________________________
8. Qualification _______________________________________________________
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9. Is he/she is an Income-tax payer? _______________________________________________________

10. Income Tax PAN no.* _______________________________________________________
11 Aadhar No.* _______________________________________________________
12. Voter ID No*.
Any one of
13. Passport No.*
11,12 or 13
14. Driving Licence No.*
15. Occupation of Guarantor ❏Self Employed ❏Salaried ❏ Professional ❏ Others
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16. (a)If Self His/her firm is ❏Proprietorship ❏Partnership ❏Pvt. Ltd. Co. ❏ Others
Employed/ Years in Business
Professional Total Income in Last 2 yrs(`) Last year: Year before last:
(b) If He/she works for ❏Private sector ❏Public sector (including govt. enterprise) ❏ Others
Salaried Designation _______________________________________________________
Name & Address of the _______________________________________________________
employer _______________________________________________________
Years with current employer Yes/No, If yes, 16 Digit account no. and if no details of Salary
Account
Salary a/c with PNB with Bank, Branch and Account No
_______________________________________________________
Total Annual Income (`) Last Year: Year before last:
17. Statement of Assets and Liabilities of the guarantor ( Amount `)
Liabilities Assets
Outstanding Loans Amount Amount
and Advances
Land
Bank Building
Provident fund Cash
Others Investment in govt. securities
Others
Total Total
Net Worth
(Actual in `)
(Enclose photocopies of documentary evidence in support of the above)
16.A. Whether related to Chairman/ Directors/

employee of our bank or any other banks. If yes,
details of relationship
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17. Having fully apprised myself of the particulars submitted in loan application dated ________________for
______________________________ (mention purpose ) loan of `. __________________________ to be
considered by the Bank to Shri/Smt./Miss___________________________________________________
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______________________________________________________________________________________
______________________________________________________________________________________
______________________________________________________________________________________
Son/Wife/Daughter of Shri________________________________________________________________
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__________________________________________________________________________________
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______________________________________________________________________________________
______________________________________________________________________________________
,
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I have agreed to furnish my guarantee for repayment of the loan. I hereby declare that I know the above
mentioned applicant (s) very well for the last _________ no. of years. The information furnished by me is
true and correct to the best of my knowledge & belief.
(Signature and name of Guarantor)

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Date:
Placse:
PNB 1218A
MOST IMPORTANT TERMS & CONDITIONS
Retail Banking Division (Advances)

1. Interest:
a) Interest whether floating type or fixed type will be charged in the account as per
sanction. Reset of interest will be as per stipulated in the sanction. Interest is to be
calculated on daily balance due to the Bank so long as the amount due from the
borrower is not paid in its entirety and the same will form part of the principal and
carry interest at the applicable rate at monthly rests.
b) All floating loans/credit facilities linked with MCLR are subject to Reset clause. On
Reset date, the interest rate may change and if the same is not acceptable to the
borrower, the outstanding credit facility shall have to be adjusted in full, failing which
the bank would charge the revised interest rate from the date of reset.
c) If the bank chooses to revise the interest rate due to the reset clause, and in case,
the borrower is not agreeable with the proposed rate fixed at the time of reset or no
consensus is arrived at mutually on rate of interest to be charged from the reset
date, pre-payment option may be exercised by the borrower for discontinuation of
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the loan. In such an eventuality, no pre-payment penalty will be levied which will
provide a comfort to the good corporate borrowers. However, a reasonable time of
not more than one month shall be given to the borrower to make arrangement for
repaying the bank’s loan. After expiry of the stipulated period, the interest rate as
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fixed by the bank shall be charged.
d) The bank will make efforts to keep its borrowers’ informed of any change in
interest rates through the official website (www.pnbindia.in) , annual statement of
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accounts, display in its offices and general announcements from time to time.
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2. Penal Interest:
Penal Interest @2% will be levied in the account in case of:
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a. Non-payment of any installment of principal and/or interest, costs and other

charges due, on the amount in default from the date of default; or
b. Any irregularity in the Loan account; or
c. Default in Furnishing information as prescribed/called for by the Bank; or
d. Diversion or siphoning of the Loan amount; or
e. Default in creation of security within the stipulated time; or
f. Non-compliance of any of the terms & conditions of this Agreement; or
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g. Any other case as the Bank may deem fit.

3. Margin/ Promoter’s contribution:
The applicant should bring in their entire contribution before release of the Loan or in
the manner otherwise provided in the sanction. Further, it should also be ensured
that margin stipulated is maintained / provided at each stage of disbursement.
4. Fee & other Charges: Fees and other charges as applicable on application/
during the currency of the loan/ conversion charges for switching
a) All service charges viz. Upfront Fees/ processing Fees, Documentation Charges,
Inspection charges etc. will be charged from the applicant as per sanction before
release of credit facilities.
b) All other event based charges like legal fees, charges for dishonour of cheques/
NACH mandate/ standing instructions, charges for drawing of Credit Information
Report from Credit Information Companies like CIBIL etc., registration of charge with
CERSAI in case of mortgage of property etc. will be recovered from the applicant
immediately on occurring of the event.
c) Processing Fee paid by the Customer for availing the loan is non-refundable.
5. Repayment of loan: Loan to repaid in Equated Monthly Instalments (EMI) or as
stipulated in the sanction if otherwise.
6. Security: The loan will be secured by mortgage of/ hypothecation of/ charge on
assets purchased through bank funds in case of primary security and/or assets in
case of collateral security, within the stipulated time period as specified in the
sanction. Personal guarantee if any, will be obtained as per sanction.
7. Insurance:
a) The borrower shall get the assets, mortgaged/ hypothecated/ charged to the bank,
insured against all risks at their own cost with usual bank clause. A copy of the
insurance policy will be kept on bank's records also.
b) In case the same is not complied with, the bank will get the same insured and cost
recovered from the borrower.
c) The Borrower may avail health and/or life insurance cover for himself with the
Bank as the sole beneficiary under the policy / policies.
5. Disbursement:
a) The borrower shall submit all relevant documents as mentioned in the Sanction
Letter/Loan Agreement before disbursement.
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b) The borrower will intimate the Bank of any change in his employment/contact
details.
c) The borrower will request for disbursement of the loan in writing (as per the
manner prescribed by Bank).
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d) The payments will preferably be made directly to vendor/ seller from whom the
applicant proposes to purchase the asset. Original bills/cash memos for all the
assets financed by bank/ payments made by the bank, shall be submitted by the
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borrower to be placed on bank’s record.
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e) In case of housing loan, the Loan will be released in stages as per physical
progress of the project. Before actually disbursing the loan, the Branch Head must
satisfy that the borrower has contributed the required margin for the loan. In case of
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housing loan for construction of house, payment will preferably be made directly to
the suppliers.
f) Before disbursement of Loan, applicant to ensure that all necessary statutory and
other approvals/permissions have been obtained.
g) Loan will be utilised strictly for the purpose as per sanction. Deviation if any, will
be treated as non-compliance.
h) Borrower to comply with all preconditions for disbursement of the loan as
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mentioned in the Sanctioned Letter.

6. Recovery of dues:
a) Customers have been explained the repayment process of the loan in respect of,
tenure, periodicity, amount and mode of repayment of the loan. No notice,
reminder or intimation is given to the customer regarding his/her obligation to
pay the EMI/ Instalment regularly on due date.
b) On non-payment of EMI/ Instalment by the due dates, Bank shall remind the
customers by making telephone calls, sending written intimations by post and
electronic medium or by making personal visits by Bank’s authorized personnel
at the addresses provided by the customer. Costs of such calls/communication
/visits shall be recovered from the customer.
c) Notwithstanding what is stated herein, it shall be the liability of the customer to
ensure that the EMIs/ Instalments are regularly paid on the due dates.
d) Credit information relating to any customer's account is provided to the Credit
Information Bureau (India) Limited (CIBIL) or any other licensed bureau on a
monthly basis. To avoid any adverse impact on the credit history with CIBIL, it is
advised that the customer should ensure timely payment of the amount due on
the loan amount.
e) The recovery process of enforcement of mortgage/securities, including but not
limited to, taking possession and sale of the mortgaged property in accordance
with the procedure prescribed under the Securitisation and Reconstruction of
Financial Assets and Enforcement of Security Interest Act, 2002 (SARFAESI
Act) or under any other law, is followed purely as per the directions laid down
under the respective law.
f) Intimation/Reminders/Notice(s) are given to customer prior to initiating steps for
recovery of overdues, under the Negotiable Instruments Act, Civil Suit as well as
under the SARFAESI Act.
7. Customer Service: Customer Service Queries including requirement of
documents can be addressed to the Bank through the following channels:
i) Write to the branch or contact us through toll free number 1800-180-2222 / 1800-
103-2222 / 0120-2490000 (tolled).
ii) Contact the branch within the working hours for:
a. Photo Copies of loan documents, which can be provided in 7 working days from
date of placing request. Necessary administrative fee shall be applicable.
b. Original documents namely Title Deed of Property, Registration Certificate etc. will
be returned within 10 working days from the date of closure of loan.
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c. Loan Account statement (time line): Within 3 working days of the receipt of
request.
8. Grievance Redressal: There can be instances where the Borrower is not
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satisfied with the services provided. To highlight such instances & register a
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complaint the Borrower may follow the following process:
a) Borrower can meet or write to the Branch Head of the concerned branch or
b) The Borrower can complain to customer care through our website:
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www.pnbindia.in or email at care@pnb.co.in or Mobile Application “wecare” (can be
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downloaded through Google Playstore) or through Internet Banking/ Mobile Banking

or
c) In case the grievance remains unresolved beyond a period of 15 days, the
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borrower may escalate the matter to Principal Nodal Officer, Punjab National Bank,
Customer Care Division, Head Office, Sector 10 Dwarka, New Delhi 110075.
**The above list is illustrative and may vary on case to case basis.
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APPLICATION FORM for HOME LOAN
For office use only
Branch: ___________________
Reference no.: _____________ Recent Photograph Recent Photograph

of Applicant of Co-Applicant
Received on: ___/___/___
Personal Details
Co-Applicant
Information Applicant
Relation with Applicant: Parent Spouse Other
First Name
Middle Name
Last Name
Father’s/Husband's Name
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Income Tax PAN No.*
AADHAR No.*
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Identification no.(tick any one)*
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Passport no. Voter ID
Driving License UID
Male Female Male Female
Date of Birth* and Gender d d m m y y y y d d m m y y y y
Transgender Transgender
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Category Physical Ex-Serviceman Minority Physical Ex-Serviceman Minority
Handicapped None of these SC/ST Handicapped None of these SC/ST
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Undergraduate Graduate PG Undergraduate Graduate PG

Educational Qualification*
Professional course Other Professional course Other
Marital Status and No. of
Single Married No. of Dependants Single Married No. of Dependants
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dependents in the household
Email address
__ __
Phone details (STD code – Tel res.)
Mobile No.
Relative of Staff/ Director of bank? Yes No Yes No
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Residential Address Applicant Co-Applicant

Residence Address* (Present)
City: State: City: State:
Pin: Country: Pin: Country:

Residence Address* (Permanent)
Same as above

Owned (Self/spouse/ dependent children) Owned (Self/spouse/ dependent children)
Status of current residence Owned (Parents) Rented by Self/Spouse Owned (Parents) Rented by Self/Spouse
Leased by company/govt. Other Leased by company/govt. Other
Years at current residence* Years Months Years Months
Address for correspondence Current Residence Permanent Residence Office Current Residence Permanent Residence Office
*Supporting documents duly signed by the applicant should be attached
Work and Financial Details
Information Applicant Co-Applicant
Employment Nature Salaried Self employed Professional Other Salaried Self employed Professional Other
CA Doctor Engineer/Architect Lawyer CA Doctor Engineer/Architect Lawyer

If professional
Small/Marginal farmer Other agriculturist Other Small/Marginal farmer Other agriculturist Other
Nature of Organization Govt./PSU Public Ltd. Co. Pvt. Ltd. Govt./PSU Public Ltd. Co. Pvt. Ltd.
Proprietorship Partnership Other Proprietorship Partnership Other
Period in Current Employment/
Years Months Years Months
Business
Total Employment/ Business Period Years Months Years Months
Date of Retirement (If salaried) Years Months Years Months
Name of Organization/Business
Designation
Office Address
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__ __
Phone details (STD code – Tel off.)
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If Self Employed/Professional
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FY1 (20__ - 20__) FY 1 (20__ - 20__)
Income in last 3 Financial
years*(Rs.) FY 2 (20__ - 20__) FY 2 (20__ - 20__)
(As per Income Tax Return) FY 3 (20__ - 20__) FY 3 (20__ - 20__)
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If Salaried/Other
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Gross Gross
Annual Income* (Rs.)
Net Net
IT assessee & paid tax last yr Earns but not formally IT assessee & paid tax last yr Earns but not formally
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Spouse's financial information*

IT assessee but no tax paid Does not earn IT assessee but no tax paid Does not earn
Bank Account Details
Account I Account II Account I Account II
(Details of PNB a/c if applicable)
Name of Bank
Branch
A/c No. (details of salary a/c. for

salaried)
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Statement of Assets and Liabilities*

Assets
Immovable Properties Amount (Rs.) Amount (Rs.)
Building/House
Land
Movable Properties
Cash
Deposits with banks
Investment in government
securities
Others
Total
Statement of Assets and Liabilities (Contd.)*
Liabilities
Outstanding Loans/Advances Amount (Rs.) Amount (Rs.)
Bank(s)
Employer
Provident Fund
Relatives and Friends
Others
Total
Net Worth (Actual in Rs.)
(Assets-Liabilities)
Information about other Loans taken (including previous loans from PNB)
Total Loan Limit (Rs.)
Total Monthly Repayment (Rs.)
Whether Regular Yes No Yes No
Proposed Loan Details

Information Applicant
Purchase of Plot/land
Construction of house
Purpose for which loan is required
Purchase of Built house/Residential flat/under construction
(Details as per enclosure 'A' or 'B')
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Carrying out Repairs/Renovation/Addition/Alteration to existing house/flat
Take over loan from other bank/FI
Total Cost of house/flat/construction and Applicant's contribution/
Total Cost (Rs.)
Applicant's contribution/Margin Margin (Rs.)
Loan Amount applied (Rs.) and Rate of Interest option Floating Fixed
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Repayment Period proposed Years Months Moratorium/Holiday Period: Months
Monthly Installment Mode Advance Cheques Standing Instructions Electronic Clearing System
Other Information
Information Applicant/Co-Applicant
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Collateral security proposed Yes No
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Type of collateral Property NSC/LIC Policy/Govt. Security Shares Others

If yes Value of collateral (Rs.)
Guarantor Available Yes No If yes, then furnish details in Part II

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Pending court cases of Banks/Financial Institutions Yes No

against Applicants/ As Partners/As Director: (Enclose details on an annexure, if needed)
Reference Details
Reference I Reference II
Name
Address
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Mobile No./Telephone
I/We hereby request for a loan as above and declare that: The information given in the loan application is true and nothing has been concealed. The undersigned undertakes to inform the Bank any
change in my residence/office address and to provide any further information that the Bank may require. The undersigned has been informed of the charges/fee to be levied by the Bank and agrees to
pay upfront fee, documentation charges, etc. as applicable ad charged by the bank. The undersigned hereby agree to be bound by these terms and conditions or by the revised additional terms and
conditions which may at any time hereafter be made while the loan obtained by me/us is still outstanding. I have read the attached Most Important Terms and Conditions (MITC) annexed to the
application form carefully and agree to the same.
Yours faithfully,
Signature of Applicant: ____________________________________ Signature of Co-Applicant:_________________________________
Name of Applicant: _______________________________________ Name of Co-Applicant: ____________________________________

Date: Date:
Place: Place:
Note: In case there is more than one co-applicant, he/she should fill up another form.
ACKNOWLEDGEMENT
*Sl. No.________ Date:____________
Received application from Mr/Ms/M/S _______________________________ R/O/Office at _______________________________________________________________ for a ______________

(Type of Loan) loan/limit of Rs._____________________ for ______________________________ (State the purpose). The loan application will be disposed-off and acceptance/ rejection would be
intimated within ____ days from date of receipt of completed application form with supporting documents.
Serial number and date of the acknowledgement should be quoted in all future correspondence.
ENCLOSURE - 'A'
ADDITIONAL INFORMATION REQUIRED TO BE GIVEN IF THE LOAN IS REQUIRED FOR CONSTRUCTION OF A HOUSE OR FOR CARRYING OUT
REPAIRS/RENOVATION/ADDITION /ALTERATION TO THE HOUSE/FLAT
(* applicable only in case of carrying out repairs/renovation/addition /alteration to the house/flat)
Purchase price/acquisition cost of land:
1.
(Please attach attested copy of sale deed /lease deed)
Address, location & surroundings of the house/flat (a rough plan indicating
2.
the location and surroundings of the house should be attached)
Name & Address of the seller(s) /dealer/Housing Society to whom the
3.
payment is to be made
4. Area of land (sq.metres)
5. Proposed built up area
Estimated cost of construction OR repairs/renovation/addition/alteration
6.
(Estimate from qualified Engineer/ Architect be attached)
Particulars of construction OR particulars of repairs /renovation/
7. addition/alteration be given
(Plan approved by the competent authority be attached)
Purchase price/original cost of house/flat as per the sale/title deed in case
the house was constructed by the present owner, the purchase price of
8.
the plot and cost of construction of the house should be separately stated.
(Please attach a certified copy of the sale/title deed) *
9. Present market value of the house/flat *
Whether the plot is free hold or lease hold (In case the plot is lease hold,
10. please state whether the lessee is authorised to mortgage the house -
copy of the letter of authority from the lessor be attached)
Has sanction for construction from the Competent authority been
11. obtained? (If yes, give details and attach copy of plan duly approved by
Municipal Body / Corporation concerned)
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Whether the plot on which construction or House on which
12. repairs/renovation/addition/alteration is proposed is free from all
encumbrances whatsoever (Attach non encumbrance certificate)
Whether the place where the property is/will be situated is served by some
13.
Municipal Body/other agency?
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14. Any other information
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ENCLOSURE - 'B'
ADDITIONAL INFORMATION REQUIRED TO BE GIVEN IF THE LOAN IS REQUIRED FOR PURCHASE OF A BUILT HOUSE / RESIDENTIAL
FLAT/UNDER CONSTRUCTION OR IF THE LOAN IS BEING TAKEN OVER FROM ANOTHER BANK/FI
Address, location and surroundings of the house proposed to be
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1. purchased (Please attach a map/plan of the house)
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Name & Address of the seller(s) /dealer/Housing Society to whom the

2. payment is to be made
3. Covered area of house/flat

Year in which the house/flat was Constructed /allotted
3
4.
Whether completion certificate from the competent authority obtained
5. (If yes, attach copy)
Name & address of the present owner of the house / flat
6. (Attach proof)
The price at which the house/flat is proposed to be purchased (Attach

7. copy of agreement to sell / letter of allotment)
Whether the house is built on a lease hold plot. If so, whether
8. authority to mortgage the house is available to the lessee (copy of
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letter of authority from the lessor be attached)

In case lease hold property is intended to be purchased on power of
attorney/agreement to sell basis (attach proof):
(a) Whether the vendor is original allottee of the house/flat:
9. (b) Whether the development authority/housing board, etc. which
allotted the property to vendor has a scheme in force for conversion of
lease hold property into free hold property
(c) Whether vendor is in possession of property
Whether the place where the property is/will be situated is served by
10.
some Municipal Body/other agency?
Whether the house proposed to be purchased is free from all
11. encumbrances whatsoever (attach non encumbrance certificate)
Please provide the following Name of Bank/FI from which loan
details in case of a take-over is being taken over:
12. loan only Limit (Rs.):
Present Outstanding (Rs.):
Place:
Date: Signature of the applicant(s)
Recent Photograph
of Guarantor
Part II GUARANTOR INFORMATION
Personal and Employment Details

Personal Details Employment Details
Employment Nature
First Name
Salaried Self employed Professional Other
Middle Name
If professional
Last Name
CA Doctor Engineer/Architect Lawyer
Small/Marginal farmer Other agriculturist Other
Father’s/Husband's Name
Nature of Organization
Income Tax PAN No.* Govt./PSU Public Ltd. Co. Pvt. Ltd.
Proprietorship Partnership Other
AADHAR No. *
Identification no.(tick any one)* Period in Current Employment/Business
Passport no. Voter ID
Driving License UID Years Months
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Male Female Name of Organization, Designation and Address
Date of Birth* and Gender d d m m y y y y
Transgender
Educational Qualification and Spouse Parents
Relationship with applicant Son/Daughter Other
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Email Id City: State:
Pin: Country:
Address Current Residence Address* Permanent Address
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Address
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3

__
Phone details (STD code – Number) Mobile No:
Financial Details
Information Guarantor
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Is he/she an Income tax payee Yes No

Total Income in last 2 Financial FY 1 (20__ - 20__) FY 2 (20__ - 20__)
years (Rs.)
Bank Account Details (Existing customer should give details of PNB account)
Name of Bank Branch
A/c No. (details of salary a/c. for
salaried)
Statement of Assets and Liabilities*

Liabilities Assets
Outstanding Loans/Advances Amount (Rs.) Immovable Properties Amount (Rs.)
Bank(s) Building/House
Employer Land
Relatives /Friends Movable Properties

Provident Fund Cash
Deposits
Investment in govt. securities
Others Others
Total Total
Net Worth (Actual in Rs.)

*Supporting documents duly signed by the guarantor should be attached
Having fully apprised myself of the particulars submitted in loan application dated…………….. for ……………………... (mention purpose) loan of
Rs. ………………………………to be considered by the bank to Shri/Smt/Miss Son/Wife/ Daughter of Shri ………………………………………………
I have agreed to furnish my guarantee for repayment of the loan. I hereby declare that I know the above mentioned applicant(s) very well for the
last………no. of years. The information furnished by me is true and correct to the best of my knowledge and belief.
Yours faithfully,
Signature of Guarantor: ________________________________
Name of Guarantor: ___________________________________

Date:
Place:
Note: In case there is more than one guarantor, he/she should fill up another form (Part-II Guarantor Information).
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FOR OFFICE USE ONLY: BO ____________ _______________.
PNB Score ID :___________________________Score_______________
Credit Information Report (CIBIL etc.) : No. Score ________

Borrower : ______________________________________________
Guarantor : ______________________________________________
Any Adverse report, if so
Detail thereof :_______________________________________
Whether KYC norms in respect of all

Applicants/co-applicants/guarantors
Have been complied with : Yes/ No
Is the applicant/co-applicant/s are

eligible for concessions under Women
Empowerment Scheme : Yes/No
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Whether it is a take over of
Loan from Bank/ FI : Yes/ No
Whether the applicant/co-applicant is : Yes/ No, if yes. Details ___________________________
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already having a dwelling unit, if so details ___________________________
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In case of housing loan with multi-location
scenario, confirm that administrative : Yes/ No
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clearance has been obtained
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In case of construction of house, confirm : Yes/ No

that copy of Sanction Plan approved
by competent authority in the name of
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applicant has been obtained
Legal Opinion
i) Name of approved Advocate :______________________________________________
ii) Date of NEC :______________________________________________
iii) Whether Counsel has given :______________________________________________
Clear and marketable title
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Of the property
Gross monthly income of applicant

i) Gross Income : Rs. ______________________________
ii) Other Income : Rs.______________________________
iii) (-) Existing deductions : Rs. ______________________________
iv) Income available for proposed EMI : Rs.______________________________
v) Amount of EMI : Rs. ______________________________
vi) Net Take Home after proposed EMI : Rs. ______________________________
Total Income available for proposed EMI : Rs.______________________________

Eligible amount of loan as per repaying capacity :
Proof of Income verified
- Name & Designation of person who verified : _______________________________________
Documents from which verified : _______________________________________
- Income Tax Returns/ Salary Certificate : _______________________________________
Other terms & conditions
1. The borrower agrees to bear and pay any charge for switchover of the option in respect of rate of interest
at the rate as prescribed by the Bank from time to time.
2. That it will be the duty and responsibility of the borrower/s to obtain the necessary permission of the
Vendor/s and/or any authority/ lessor, if required, under any law, rules, regulations or any instrument to
create the security hereby agreed by him/her/them to be created in favour of the Bank and it will be open
to the Bank to refuse to disburse the loan.
3. The borrower/s undertake/s to take necessary steps to get the leasehold property converted into freehold
and get the conveyance/transfer deed executed and registered and bear all necessary expenses
connected therewith from his/her own sources.
4. The borrower/s hereby agree/s and give/s to the Bank during the currency and for the payment of said
loan, a general lien and right to set off and combine accounts without notice and charge on all movable
properties of every description coming into the possession on account of the borrower/s for the time being
held by the Bank on behalf of the borrower/s whether singly or jointly with others in India or elsewhere
including, without prejudice to the generality, any moneys, bullion, deposits, deposit receipts, promissory
notes, bill of exchange, cheques, railway receipts, Govt. bills and other documents of every description.
Comments/recommendations of Appraising Officer

(Mention the date of visit at Borrower(s) residence/work place)
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Recommended for sanction of a Housing Loan of Rs._____________________ ________favouring
Sh./ Smt./ Km. _________________________________________________________________________ for
Construction of house/ Purchase of Built House /Residential Flat/ Purchase of Plot/ land / For Carrying out
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Repairs/Renovation/ /Addition/ Alteration to the existing house/flat subject to terms & conditions mentioned above.
The loan is proposed to be guaranteed by Sh./Smt./Km._____________________________________ /
collaterally secured by _______________________________________________. The loan shall be repayable in
_____Equated Monthly Installments (EMIs) of Rs._____________ commencing w.e.f. ______________. The
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applicable rate of interest @______________, upfront fee Rs.____________and documentation charges
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Rs._______________ which be communicated through a Sanction Letter and acknowledgement may be obtained
and kept on record.
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(Signature and name of Appraising Officer)

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Orders of the Sanctioning Authority
(Signature and name of sanctioning authority)

Place:
Date:
PNB 1054A
BO: ____________________________________
To, Date: ____________

________________________
________________________
________________________
Dear Sir/ Madam,
YOUR APPLICATION FOR HOUSING LOAN - SANCTION LETTER
We are pleased to inform that we have sanctioned a Housing Loan of Rs. _________________in your
favour for ___________________________________ on the undernoted terms & conditions.
Sanction Terms
Sanctioned Amount
Rate of Interest
Type of Interest
Margin
Repayment Tenor
Number of EMIs Amt. of EMI* Rs.
Repayment to be commenced from
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Amount of EMI
Upfront fee/ Processing fee Rs. Documentation Fee Rs.
Credit Information Report Charges
Security Guarantor (s)
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Primary
Collateral
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Prepayment Penalty NIL, (on loans at floating rate of interest option)
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Penal Interest, if any In case of default in repayment of loan/non compliance of

terms & conditions the borrower shall be liable to pay penal
interest of 2% on the default/irregular amount.
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In case construction of the house is not completed within 3

years from date of disbursement of the loan or in case the
plot/land is sold, penal interest @ 2% over & above the
prescribed rate of interest will be charged from the date of
disbursement of the loan.
* is subject to change from time to time from time to time
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2. The above sanction is, however, subject to:

i) Execution of Loan documents as per Banks format & guidelines;
ii) The ROI/EMI is subject to change from time to time;
iii) The above sanction shall be valid for a period of six months from the date of issue of the sanction
letter.
iv) That any third party liability coming on the Bank due to wrong information/ declaration given by
borrower, will be his/her responsibility.
3. Please convey acceptance for having accepted the terms & conditions of the sanction.
Thanking you.
Yours truly,
For Punjab National Bank
Authorised Signatory
1. Interest:
a) Interest whether floating type or fixed type will be charged in the account as per sanction.
Reset of interest will be as per stipulated in the sanction. Interest is to be calculated on daily
balance due to the Bank so long as the amount due from the borrower is not paid in its entirety
and the same will form part of the principal and carry interest at the applicable rate at monthly
rests.
b) All floating loans/credit facilities linked with MCLR are subject to Reset clause. On Reset
date, the interest rate may change and if the same is not acceptable to the borrower, the
outstanding term loan shall have to be adjusted in full, failing which the bank would charge the
revised interest rate from the date of reset.
c) If the bank chooses to revise the interest rate due to the reset clause, and in case, the
borrower is not agreeable with the proposed rate fixed at the time of reset or no consensus is
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arrived at mutually on rate of interest to be charged from the reset date, pre-payment option
may be exercised by the borrower for discontinuation of the loan. In such an eventuality, no
pre-payment penalty will be levied which will provide a comfort to the good corporate
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borrowers. However, a reasonable time of not more than one month shall be given to the
borrower to make arrangement for repaying the bank’s loan. After expiry of the stipulated
period, the interest rate as fixed by the bank shall be charged.
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d) The bank will make efforts to keep its borrowers’ informed of any change in interest rates
through the official website (www.pnbindia.in) , annual statement of accounts, display in its
3
offices and general announcements from time to time.
2. Penal Interest:

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a. Non-payment of any installment of principal and/or interest, costs and other charges due, on
the amount in default from the date of default; or

The applicant should bring in their entire contribution before release of the Loan or in the
manner otherwise provided in the sanction. Further, it should also be ensured that margin
stipulated is maintained / provided at each stage of disbursement.
4. Fee & other Charges: Fees and other charges as applicable on application/ during the
currency of the loan/ conversion charges for switching
a) All service charges viz. Upfront Fees/ processing Fees, Documentation Charges, Inspection
charges etc. will be charged from the applicant as per sanction before release of credit
facilities.
b) All other event based charges like legal fees, charges for dishonour of cheques/ NACH
mandate/ standing instructions, charges for drawing of Credit Information Report from Credit
Information Companies like CIBIL etc., registration of charge with CERSAI in case of mortgage
of property etc. will be recovered from the applicant immediately on occurring of the event.
5. Repayment of loan: Loan to repaid in Equated Monthly Instalments (EMI) or as stipulated
in the sanction if otherwise.
6. Security: The loan will be secured by mortgage of/ hypothecation of/ charge on assets
purchased through bank funds in case of primary security and/or assets in case of collateral
security, within the stipulated time period as specified in the sanction. Personal guarantee if
any, will be obtained as per sanction.
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7. Insurance:
a) The borrower shall get the assets, mortgaged/ hypothecated/ charged to the bank, insured
against all risks at their own cost with usual bank clause. A copy of the insurance policy will be
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kept on bank's records also.
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c) The Borrower may avail health and/or life insurance cover for himself with the Bank as the
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sole beneficiary under the policy / policies.

5. Disbursement:
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a) The borrower shall submit all relevant documents as mentioned in the Sanction Letter/Loan
Agreement before disbursement.
b) The borrower will intimate the Bank of any change in his employment/contact details.
c) The borrower will request for disbursement of the loan in writing (as per the manner
prescribed by Bank).
d) The payments will preferably be made directly to vendor/ seller from whom the applicant
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proposes to purchase the asset. Original bills/cash memos for all the assets financed by bank/
payments made by the bank, shall be submitted by the borrower to be placed on bank’s
record.
e) In case of housing loan, the Loan will be released in stages as per physical progress of the
project. Before actually disbursing the loan, the Branch Head must satisfy that the borrower
has contributed the required margin for the loan. In case of housing loan for construction of
house, payment will preferably be made directly to the suppliers.
f) Before disbursement of Loan, applicant to ensure that all necessary statutory and other
approvals/permissions have been obtained.
g) Loan will be utilised strictly for the purpose as per sanction. Deviation if any, will be treated
as non-compliance.
h) Borrower to comply with all preconditions for disbursement of the loan as mentioned in the
Sanctioned Letter.
a) Customers have been explained the repayment process of the loan in respect of, tenure,
periodicity, amount and mode of repayment of the loan. No notice, reminder or intimation is
given to the customer regarding his/her obligation to pay the EMI/ Instalment regularly on
due date.
b) On non-payment of EMI/ Instalment by the due dates, Bank shall remind the customers by
making telephone calls, sending written intimations by post and electronic medium or by
making personal visits by Bank’s authorized personnel at the addresses provided by the
customer. Costs of such calls/communication /visits shall be recovered from the customer.
c) Notwithstanding what is stated herein, it shall be the liability of the customer to ensure that
the EMIs/ Instalments are regularly paid on the due dates.
d) Credit information relating to any customer's account is provided to the Credit Information
Bureau (India) Limited (CIBIL) or any other licensed bureau on a monthly basis. To avoid
any adverse impact on the credit history with CIBIL, it is advised that the customer should
ensure timely payment of the amount due on the loan amount.
e) The recovery process of enforcement of mortgage/securities, including but not limited to,
taking possession and sale of the mortgaged property in accordance with the procedure
prescribed under the Securitisation and Reconstruction of Financial Assets and
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Enforcement of Security Interest Act, 2002 (SARFAESI Act) or under any other law, is
followed purely as per the directions laid down under the respective law.
f) Intimation/Reminders/Notice(s) are given to customer prior to initiating steps for recovery
of overdues, under the Negotiable Instruments Act, Civil Suit as well as under the
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SARFAESI Act.
7. Customer Service: Customer Service Queries including requirement of documents can be
18
addressed to the Bank through the following channels:
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i) Write to the branch or contact us through toll free number 1800-180-2222 / 1800-103-2222 /
0120-2490000 (tolled).
3
a. Photo Copies of loan documents, which can be provided in 7 working days from date of
placing request. Necessary administrative fee shall be applicable.
b. Original documents namely Title Deed of Property, Registration Certificate etc. will be
returned within 10 working days from the date of closure of loan.
c. Loan Account statement (time line): Within 3 working days of the receipt of request.
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8. Grievance Redressal: There can be instances where the Borrower is not satisfied with the
services provided. To highlight such instances & register a complaint the Borrower may follow
the following process:
b) The Borrower can complain to customer care through our website: www.pnbindia.in or email
at care@pnb.co.in or Mobile Application “wecare” (can be downloaded through Google
Playstore) or through Internet Banking/ Mobile Banking or
c) In case the grievance remains unresolved beyond a period of 15 days, the borrower may
escalate the matter to Principal Nodal Officer, Punjab National Bank, Customer Care Division,
Head Office, 5, Parliament Street, New Delhi 110001.
######
Application-cum-Appraisal/Sanction Form for Car/ 2-wheeler Loan
Branch Office: ____________ Date of Application:_________________
Part – I Applicant/Co- Applicant information (separately)

1. Applicant’s/Co-Applicant’s Name Last: First: Middle:
3. (i)Address a) Residence Present*: ____________________________________
____________________________________
. City/Location_________________________ Recent Self Attested
District ______________________________ Photograph of the
Pin Code ____________Country__________ applicant
b) Office ___________________________________
____________________________________
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City/Location_________________________
District ______________________________
Pin Code ____________Country__________
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(c) Residence Permanent ____________________________________
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____________________________________
City/Location_________________________ 4. Category of Applicant
District ______________________________ (Tick appropriate)
Pin Code ____________Country__________
18
Physical Handicapped Y/N
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(d) E-mail Id ____________________________________ Ex-Serviceman Y/N

Minority Y/N
(e) Mobile: SC/ST Y/N
5. Telephone No. : a) Residence: ____________________________________
3
(with STD Code) b) Office:

6. (a) Income Tax Pan No.* Aadhar No. *
(b) (i) Voter ID No.*
(ii) Passport No.* Any one of these
7. Individual Type: ❏ Salaried ❏ Professional ❏ Self Employed ❏ Other
8. a) Age (yrs)
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b) Date of Birth (dd/mm/yyyy)*:

c) Gender (male/female/Transgender)
d) Marital Status ❏ Single ❏ Married
e) Number of dependents in the household
f) Earning Member, if any, in family excluding applicant
g) Banking with us Yes/No, if yes, a/c no. & Customer Id.
_____________________________________________
9. Qualification/Education* ❏Matriculation ❏Intermediate ❏Graduation ❏PG ❏Ph.D.
10.Whether relative of Staff /Director of bank ❏Yes ❏No
11.Residence Ownership ❏Owned (self/spouse) ❏Owned (Parents) ❏Other
12.Years at current residence*
13. Collateral security provided? ❏Yes ❏No
14.Type of collateral ❏Property ❏NSC/LIC ❏Shares ❏Other
Policy/Govt.
Security
15.Value of collateral (`) ` ` ` `
16.Profession, Please specify

17.(a) If Self Employed / His/her firm is ❏Proprietorship ❏Partnership ❏Pvt. Ltd. Co. ❏Others
Professional No of yrs in Business/ Profession ____________________________________________________________
Line of Activity ____________________________________________________________
Income in Last 3years(`) Current Year: Last year : Year before last :
(b) If Salaried He/she works for ❏Govt./Public Sector ❏ Public Ltd.Co. ❏ Private Ltd.Co. ❏ Others
Salary account with PNB Yes/No, If yes, 16 Digit account no. and if no details of Salary Account
with Bank, Branch and Account No.
____________________________________________________________
Name of the employer ______________________________ Address ______________________
______________________
Years with current employer ________Years ; Since when: _______ ______________________
______________________
Years with previous employer(s) _____ Years; From ________ To ________
Length of Service _________________________

Date of Retirement _________________________
Designation ____________________ Since: ____________________.
Total Annual Income (`)* Gross________________ Net: ____________________.
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(c) If Other Occupation
Total Annual Income (`)* Gross: ____________________. Net____________________.
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(d) Annual deductions (statutory savings, IT etc in `)*
18. Other loans taken (including previous loans from PNB):

Limit (`) : ____________________
18
Present Outstanding (`) : ____________________
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Whether regular: ❏ Yes ❏ No

Monthly Repayment (`) : ____________________
19. Statement of Assets and Liabilities ( Amount in `)
Liabilities Assets
3
Outstanding Loans/Advances Amount Amount

Land
Bank Building
Provident fund Cash
07
Others Investment in Govt. Securities

Others
Total Total
Net Worth (Actual in `) -_________________________
20. Spouse Information:

a) Name of the spouse: ____________________ Office Tel No. : ____________________________
b) Occupation/Profession: Office Address ____________________________
____________________________
____________________________
c) Total Annual Income*: Gross____________________ Net: ____________________
d) Is she/he furnishing guarantee? ❏Yes ❏No
e) Income Tax PAN no. ____________________________

21. Details of Car Loan requested from PNB:
a) Vehicle to be purchased : Type :____________ Make:____________ Model:_____________
b) Total Cost of the Vehicle: ` _____________________________________________________
c) Margin/Applicant’s Contribution: `_____________________________________________________
d) Loan amount `_____________________________________________________
e) Name & Address of the dealer to whom the _______________________________________________________
payment is to be made _______________________________________________________
22.Repayment Period (yrs)
23.Monthly installment a) Amount (`)
b) Mode ❏ Advance Cheques ❏ Standing instructions
24.Guarantor : Whether available ? ❏Yes ❏No
25.Name, Address and telephone numbers of two references
Reference 1 Reference 2
26.Details of any pending court cases of Banks/Financial

Institutions against Applicants/Partners/Directors:
(Enclose details on an Annexure, if needed)
27. Name of the applicant borrower in whose name vehicle to
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be got registered (Applicable only in case of joint borrowers)
28. I/We request for sanction of loan of `. _____________for purchase of _______________ (name of vehicle) on the basi
the basis of information given above.
It is declared that:
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The information given in the loan application is true and nothing has been concealed. The undersigned undertakes to inform
the Bank any change in my residence / office address and to provide any further information that the Bank may require. The
undersigned has been informed of the charges / fee to be levied by the Bank and agrees to pay upfront fee, documentation
charges, etc. as applicable and charged by the bank. The undersigned hereby agree to be bound by these terms and
18
conditions or by the revised additional terms and conditions which may at any time hereafter be made while the loan obtained
by me/us is still outstanding. I have read the attached Most Important Terms and Conditions (MITC) annexed to the
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I/We have read and have been advised the terms and conditions relating the scheme for
3
financing____________________________________(name of the vehicle) and I/We hereby agree to be bound by these

rules or by the revised additional terms and conditions which may at any time hereafter be made while the loan obtained by
me/us is still outstanding.
In case the loan is sanctioned I/We authorize Punjab National Bank, BO: ___________________________________ to remit
the total cost of vehicle to M/s ________________________________________________. I/We have deposited/agreed to
deposit with the bank the difference between the total cost of vehicle and the amount of loan sanctioned and also agree to
comply with all other prescribed formalities and also agree to pay processing charges as applicable and charged by the bank.
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Yours faithfully,
Signature and name(s) of applicant(s))

Note: All columns of the form should be properly filled up and supporting documents duly signed by applicant wherever
required should be attached, particularly those marked with a *. If there is a co-applicant, he/she should fill up another form. If
there is guarantor, he/she should also fill up the guarantor information (Part II)
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3
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___________________________________________________________
ACKNOWLEDGEMENT
*Sl. No.________ Date:____________

_______________________________________________________________ for a ______________ (Type of Loan)
application will be disposed-off and acceptance/ rejection would be intimated within ____ days from date
of receipt of completed application form with supporting documents.

credit proposals.
1. Name
__________________________________________
2. Father’s/Husband’s Name ________________________________________________

Recent
Self-attested
3. Address a. Residence* _________________________________________________
Photograph of
_______________________________________________________
Guarantor
_______________________________________________________
_______________________________________________________
Location/City___________________________________________________
District__________________ Pin Code___________Country____________
b. Office. _____________________________________________________________
_____________________________________________________________
_____________________________________________________________
Location/City__________________________________________________
District ________________ Pin Code___________ Country___________
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c. Permanent Address _____________________________________________________________
_____________________________________________________________
_____________________________________________________________
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Location/City__________________________________________________
d. E-mail Id _____________________________________________________________
18
e. Mobile _____________________________________________________________
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4. Telephone No.: Residence _____________________________________________________________

(with STD code) Office _____________________________________________________________
3
_____________________________________________________________
5. Age (yrs.) _____________________________________________________________
6. Date of Birth (dd/mm/yyyy):* _____________________________________________________________
7. Gender (male/female/Transgender) _____________________________________________________________
8. Qualification _____________________________________________________________
9. Is he/she is an Income-tax payer? _____________________________________________________________
10. Income Tax PAN no.* _____________________________________________________________
11. Aadhar No. * _____________________________________________________________
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12. Voter ID No*. _____________________________________________________________

Any one of
13. Passport No.* _____________________________________________________________
12,13 or 14
15. Type of guarantor ❏Self Employed ❏Salaried ❏ Professional ❏ Others
Salaried Designation _____________________________________________________________
Name & Address of the
employer _____________________________________________________________
Years with current employer _____________________________________________________________
Salary a/c with PNB Yes/No, If yes, 16 Digit account no. and if no details of Salary Account
with Bank, Branch and Account No
_____________________________________________________________

16.Statement of assets and liabilities of the guarantor
Liabilities Assets
Outstanding Loans and Amount Amount
Advances
Land
Bank Building
Provident fund Cash
Others Investment in govt. Securities
Others
Total Total
Net Worth (Actual
in `)
______________________________ (mention purpose ) loan of `. __________________________ to be considered
by the Bank to Shri/Smt./Miss_______________________________________________________
______________________________________________________________________________________________
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____________________________________________________________________________________Son/Wife/Da
ughter of Shri___________________________________________________________________
______________________________________________________________________________________________
______________________________________________________________________________________________,
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I have agreed to furnish my guarantee for repayment of the loan. I hereby declare that I know the above mentioned
applicant (s) very well for the last _________ no. of years. The information furnished by me is true and correct to the
best of my knowledge & belief.
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3
Date:
Place:
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FOR OFFICE USE ONLY: BO _______________.
PNB Score ID :________________________PNB Score_______________
Credit Information Report : No. Score __

Borrower : ______________________________________________
Guarantor : _______________________________________________

detail thereof :

Applicants/co a applicants/guarantors
Have been complied with :

Eligible for concessions under Women
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Empowerment Scheme :
Whether it is a take over of

Loan from Bank/ FI :
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18
Recommended for sanction of a Car/Vehicle Loan of `______________ favouring
Sh./Smt./Km.______________________________________________________for purchase of
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_______________________ (Name of the Vehicle) from ____________________________________

(Name of the Supplier) subject to terms & conditions mentioned above. The loan is proposed to be
guaranteed by Sh./Smt./Km.________________________________________ / collaterally secured by
3
_______________________________________________. The loan shall be repayable in

_____Equated Monthly Instalments (EMIs) of `_____________ commencing w.e.f. ______________.
The applicable rate of interest @______________, upfront fee `____________and documentation
charges `_______________ which be communicated through a Sanction Letter and acknowledgement
may be obtained and kept on record.
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Place:
Date:
PNB 1055A
BO: __________________________ (D. No. __________)
Date: ____________
To,
_______________________
_______________________
_______________________
Dear Sir/ Madam,
YOUR APPLICATION FOR CAR/2-WHEELER LOAN - SANCTION LETTER
We are pleased to inform that we have sanctioned a Car/2-wheeler Loan of

`_________________in your favour for ___________________________________ on the undernoted
terms & conditions.
Sanction Terms
Sanctioned Amount
Rate of Interest*
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Type of Interest
Margin
Repayment Tenor
Number of EMIs Amt. of EMI* `
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Upfront fee/ Processing fee ` Documentation Fee `
Credit information report Charges `
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Primary
Collateral
3
Prepayment Penalty (applicable in case 2% of the outstanding balance to be pre-paid, if the loan
of Fixed Rate Option) is shifted to other Bank/Financial Institution.
Penal Interest, if any In case of default in repayment of loan/non compliance
of terms & conditions the borrower shall be liable to pay
penal interest of 2% on the default/irregular amount.
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* is subject to change from time to time.

i) Execution of Loan documents as per Banks format and guidelines;
iii) The above sanction shall be valid for a period of six months from the date of issue of the
sanction letter.
Thanking you.
Yours truly,
1. Interest:
a) Interest whether floating type or fixed type will be charged in the account as
per sanction. Reset of interest will be as per stipulated in the sanction. Interest
is to be calculated on daily balance due to the Bank so long as the amount due
from the borrower is not paid in its entirety and the same will form part of the
principal and carry interest at the applicable rate at monthly rests.
borrower, the outstanding credit facility shall have to be adjusted in full, failing which the
bank would charge the revised interest rate from the date of reset.
consensus is arrived at mutually on rate of interest to be charged from the reset date,
pre-payment option may be exercised by the borrower for discontinuation of the loan. In
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such an eventuality, no pre-payment penalty will be levied which will provide a comfort
to the good corporate borrowers. However, a reasonable time of not more than one
month shall be given to the borrower to make arrangement for repaying the bank’s loan.
15
After expiry of the stipulated period, the interest rate as fixed by the bank shall be
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charged.
d) The bank will make efforts to keep its borrowers’ informed of any change in interest
18
rates through the official website (www.pnbindia.in) , annual statement of accounts,
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display in its offices and general announcements from time to time.

2. Penal Interest:
3

a. Non-payment of any installment of principal and/or interest, costs and other charges
due, on the amount in default from the date of default; or
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The applicant should bring in their entire contribution before release of the
Loan or in the manner otherwise provided in the sanction. Further, it should
also be ensured that margin stipulated is maintained / provided at each stage
of disbursement.
4. Fee & other Charges: Fees and other charges as applicable on
application/ during the currency of the loan/ conversion charges for
switching
a) All service charges viz. Upfront Fees/ processing Fees, Documentation
Charges, Inspection charges etc. will be charged from the applicant as per
sanction before release of credit facilities.
b) All other event based charges like legal fees, charges for dishonour of
cheques/ NACH mandate/ standing instructions, charges for drawing of Credit
Information Report from Credit Information Companies like CIBIL etc.,
registration of charge with CERSAI in case of mortgage of property etc. will be
recovered from the applicant immediately on occurring of the event.
5. Repayment of loan: Loan to repaid in Equated Monthly Instalments (EMI)
or as stipulated in the sanction if otherwise.
6. Security: The loan will be secured by mortgage of/ hypothecation of/ charge
on assets purchased through bank funds in case of primary security and/or
assets in case of collateral security, within the stipulated time period as
specified in the sanction. Personal guarantee if any, will be obtained as per
sanction.
7. Insurance:
a) The borrower shall get the assets, mortgaged/ hypothecated/ charged to the
bank, insured against all risks at their own cost with usual bank clause. A
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copy of the insurance policy will be kept on bank's records also.
b) In case the same is not complied with, the bank will get the same insured
and cost recovered from the borrower.
15
c) The Borrower may avail health and/or life insurance cover for himself with
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the Bank as the sole beneficiary under the policy / policies.
5. Disbursement:
18
a) The borrower shall submit all relevant documents as mentioned in the
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Sanction Letter/Loan Agreement before disbursement.

b) The borrower will intimate the Bank of any change in his
employment/contact details.
3
d) The payments will preferably be made directly to vendor/ seller from whom
the applicant proposes to purchase the asset. Original bills/cash memos for all
the assets financed by bank/ payments made by the bank, shall be submitted
by the borrower to be placed on bank’s record.
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progress of the project. Before actually disbursing the loan, the Branch Head
must satisfy that the borrower has contributed the required margin for the
loan. In case of housing loan for construction of house, payment will preferably
be made directly to the suppliers.
f) Before disbursement of Loan, applicant to ensure that all necessary statutory
and other approvals/permissions have been obtained.
g) Loan will be utilised strictly for the purpose as per sanction. Deviation if any,
will be treated as non-compliance.
a) Customers have been explained the repayment process of the loan in
respect of, tenure, periodicity, amount and mode of repayment of the loan.
No notice, reminder or intimation is given to the customer regarding
his/her obligation to pay the EMI/ Instalment regularly on due date.
b) On non-payment of EMI/ Instalment by the due dates, Bank shall remind
the customers by making telephone calls, sending written intimations by
post and electronic medium or by making personal visits by Bank’s
authorized personnel at the addresses provided by the customer. Costs of
such calls/communication /visits shall be recovered from the customer.
c) Notwithstanding what is stated herein, it shall be the liability of the
customer to ensure that the EMIs/ Instalments are regularly paid on the
due dates.
d) Credit information relating to any customer's account is provided to the
Credit Information Bureau (India) Limited (CIBIL) or any other licensed
bureau on a monthly basis. To avoid any adverse impact on the credit
history with CIBIL, it is advised that the customer should ensure timely
payment of the amount due on the loan amount.
e) The recovery process of enforcement of mortgage/securities, including but
not limited to, taking possession and sale of the mortgaged property in
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accordance with the procedure prescribed under the Securitisation and
Reconstruction of Financial Assets and Enforcement of Security Interest
Act, 2002 (SARFAESI Act) or under any other law, is followed purely as per
the directions laid down under the respective law.
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f) Intimation/Reminders/Notice(s) are given to customer prior to initiating
steps for recovery of overdues, under the Negotiable Instruments Act, Civil
Suit as well as under the SARFAESI Act.
18
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i) Write to the branch or contact us through toll free number 1800-180-2222 /
3
1800-103-2222 / 0120-2490000 (tolled).

a. Photo Copies of loan documents, which can be provided in 7 working days
from date of placing request. Necessary administrative fee shall be applicable.
b. Original documents namely Title Deed of Property, Registration Certificate
etc. will be returned within 10 working days from the date of closure of loan.
07
request.

www.pnbindia.in or email at care@pnb.co.in or Mobile Application “wecare”
(can be downloaded through Google Playstore) or through Internet Banking/
Mobile Banking or
borrower may escalate the matter to Principal Nodal Officer, Punjab National
Bank, Customer Care Division, Head Office, Sector 10 Dwarka, New Delhi
110075
REQUEST-CUM-SANCTION LETTER FOR PERSONAL LOAN TO PENSIONERS
The Manager,
Punjab National Bank,
___________________
Dear Sir,
Re: Advance under Personal Loan Scheme for Pensioners
I request you to grant me an advance / loan of `.__________

(`_______________________________ only) for meeting my personal needs / medical
expenses. I am eligible for the loan applied for under the above Scheme for Pensioners. I am
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drawing a monthly pension of `.__________
(`_________________________________________) having retired from
___________________________________________ in the year _________. The pension is
being credited in my SF / CA / OD A/c no. _____________maintained with your branch.
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I agree to repay the said advance/loan of `._________________
(`__________________________________________) in ______ monthly instalments along
18
with interest at the rate of _________________________. The interest chargeable shall be
subject to changes as prescribed by Bank from time to time. In the event of my death or for any
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reason/s deemed necessary, the Bank shall have the right to recall the loan outstanding
immediately irrespective of repayment period fixed. I also agree to execute all the documents
prescribed and to abide by all terms and conditions of the Scheme from time to time.
3
I authorise the Bank, that in the event of sanction of loan, to debit the amount of monthly
instalment every month to my SF / CA / OD a/c no.___________ with the Bank in which my
pension is credited and credit it to the aforesaid Loan a/c until the loan is fully adjusted. The
authority given by me to the Bank is irrevocable unless and until the loan is repaid by me in full.
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I undertake and agree that I will not raise any further loan/advance from any other branch of
PNB or any other Bank / NBFC under the same or similar Scheme till full repayment of
personal loan, without consent of the Bank.
I hereby agree as a pre condition of the loan/advance given to me by the Bank that in case I
commit default in the repayment of loan/advance or in the repayment of interest thereon or any
of the agreed instalments of the loan on due date(s), the Bank and/or the Reserve Bank of
India will have an unqualified right to disclose my name as defaulter in such manner and
through such medium as the Bank or Reserve Bank of India in their absolute discretion may
think fit.
I understand that as a pre-condition, relating to grant of the loan/advance to me, the Bank,
requires my consent for the disclosure by the Bank of information and data relating to me, the
credit facilities availed of/to be availed, by me, obligations assumed/to be assumed, by me, in
relation thereto and default, if any, committed by me in discharge thereof.
Accordingly, I hereby agree and give consent for the disclosure by the Bank of all or any such :
- Information and data relating to me.
- The information and data relating to any credit facility availed of/to be availed, by the
borrower/s and
- Default, if any, committed by me in discharge of my obligation, as the Bank may deem
appropriate and necessary, to disclose and furnish to Credit Information Bureau (India) Ltd.
And any other agency authorized in this behalf by RBI.
- I have read the attached Most Important Terms and Conditions (MITC) annexed to the application form
carefully and agree to the same.
I declare that the information and data furnished by me to the Bank are true and
correct. I undertake that :
The Credit Information Bureau (India) Ltd. and any other agency so authorized may use/process
the said information and data disclosed by the Bank in the manner as deemed fit by them; and
The Credit Information (India) Ltd. and any other agency so authorized may furnish for
:51
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 in this behalf.
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Yours faithfully,
Place __________
Date __________.
18
SIGNATURE OF THE APPLICANT
/06 13
Name:________________ __________________
PPO No._________________________________
Address _________________________________
3
_________________________________
City __________District _______Pin Code______
Permanent Address _______________________

________________________________________
City __________District_______Pin Code______
07
Telephone (with STD Code) ___________

Mobile No.___________
COMMENTS / RECOMMENATIONS OF APPRAISING OFFICER
(Signature & Name of Appraising Officer)
ORDERS OF THE SANCTIONING AUTHORITY
Signature & Name of Sanctioning Authority)
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18
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__________________________________________________________________________
ACKNOWLEDGEMENT
3
*Sl. No.________ Date:____________
Received application from Mr/Ms/M/S _______________________________

R/O/Office at _______________________________________________________________ for a
______________ (Type of Loan) loan/limit of Rs._____________________ for
______________________________ (State the purpose). The loan application will be
07
disposed-off and acceptance/ rejection would be intimated within ____ days from date
correspondence.
*Sl. No. of the acknowledgement format should be the same as indicated in the
register for receipt of credit proposals.
(PNB 1112A)
1. Interest:
rests.
outstanding credit facility shall have to be adjusted in full, failing which the bank would charge
the revised interest rate from the date of reset.
:51
arrived at mutually on rate of interest to be charged from the reset date, pre-payment option
may be exercised by the borrower for discontinuation of the loan. In such an eventuality, no pre-
payment penalty will be levied which will provide a comfort to the good corporate borrowers.
However, a reasonable time of not more than one month shall be given to the borrower to make
15
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arrangement for repaying the bank’s loan. After expiry of the stipulated period, the interest rate
as fixed by the bank shall be charged.
18
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2. Penal Interest:
3

07


charges etc. will be charged from the applicant as per sanction before release of credit facilities.
5. Repayment of loan: Loan to repaid in Equated Monthly Instalments (EMI) or as stipulated in

the sanction if otherwise.
security, within the stipulated time period as specified in the sanction. Personal guarantee if any,
will be obtained as per sanction.
7. Insurance:
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b) In case the same is not complied with, the bank will get the same insured and cost recovered
from the borrower.
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5. Disbursement:
18
/06 13
3
payments made by the bank, shall be submitted by the borrower to be placed on bank’s record.
project. Before actually disbursing the loan, the Branch Head must satisfy that the borrower has
contributed the required margin for the loan. In case of housing loan for construction of house,
payment will preferably be made directly to the suppliers.
07
g) Loan will be utilised strictly for the purpose as per sanction. Deviation if any, will be treated as
non-compliance.
Sanctioned Letter.
due date.
f) Intimation/Reminders/Notice(s) are given to customer prior to initiating steps for recovery of
overdues, under the Negotiable Instruments Act, Civil Suit as well as under the SARFAESI
Act.

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0120-2490000 (tolled).
15
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18
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3
07
Head Office, Sector 10 Dwarka, New Delhi 110075.
Application-cum-Appraisal/Sanction Form for Personal Loan
Branch Office: ____________ Date of Application: _________
Part – I Applicant/Co- Applicant information
1. Applicant’s Name Last: First: Middle:
3. a) Residence*: _____________________________________
Present _____________________________________
. City/Location __________________________ Recent Self Attested
District _____________________________ Photograph
Pin Code ___________ Country__________ of the applicant
b) Residence*: _____________________________________
Permanent _____________________________________
City/Location __________________________
District ____________Pin Code ___________
Country_______________________________
4. Category of Applicant
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c) Office: _____________________________________ (Tick appropriate)
_____________________________________
City/Location __________________________ Physical Handicapped Y/N
District ______________Pin Code _________ Ex-Serviceman Y/N
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Country ______________________________ Minority Y/N
SC/ST Y/N
5. Telephone No. (With STD code)
d) E-Mail id
18
a) Residence: __________________
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e) Mobile: b) Office: __________________

6.(a) Income Tax Pan No.* Aadhar No.*
(b)(ii) Voter ID No.*
Any one of
3
(iii) Passport No.*

these
(iv) Driving Licence No.*
7. Individual Type: ❏ Salaried ❏ Professional ❏ Self Employed ❏ Other
8. a) Age (yrs)
b) Date of Birth (dd/mm/yyyy)*:
c) Gender (male/female/Transgender)
d) Marital Status ❏ Single ❏ Married
07
e) Number of dependents in the

household
f) Earning Member of family, if any,
excluding applicant
g) Banking with us Yes/No, if yes, a/c no. /Customer Id.
______________________________________________________________
9. Qualification/Education* ❏Matriculation ❏Intermediate ❏Graduation ❏PG ❏Ph.D.

10.Whether relative of Staff /Director of ❏Yes ❏No
bank
11. a) Residence Ownership ❏Owned (self /spouse ) ❏Owned (Parents) ❏Other
b) Is the house mortgaged Yes No
c) Value of House ❏ At cost ` ❏ Market value `
12. a)Years at current residence*
b) Period of stay at Present Posting
13. a) Collateral security provided? ❏Yes ❏No
b) Type of collateral ❏Property ❏NSC/LIC Policy/Govt. ❏Shares ❏Other
security
c) Value of collateral (`) ` ` ` `
14 a) Vehicle Two Wheeler Four Wheeler
b) Make and age of vehicle
c) Number
15.Profession, Please Specify
16.Additional IC NO.
information RANK
(in case of IDENTITY CARD/PAY BOOK
Army NO
Officers) PAY ACCOUNT NO.
NAME OF THE UNIT
17. If Self His/her firm is ❏Proprietorship ❏Partnership ❏Pvt. Ltd. Co. ❏Others
Employed / No of yrs in Business/ _____________________________________________________________
Professional Profession _____________________________________________________________
Line of Activity
Income in Last 3years(`)* Current Year: Last year : Year before last :
18. If He/she works for ❏Govt./Public Sector ❏ Public Ltd.Co. ❏ Private Ltd.Co. ❏ Others
Salaried Salary account with PNB Yes/No, If yes, 16 Digit account no. and if no details of Salary Account with Bank,
Employer . Branch and Account No
information _____________________________________________________________
and annual Name of the employer ________________________ Address _______________________
income Years with current employer ________Years ; Since when:_____ _______________________
details. _______________________
Years with previous ________Years; From_________ To________
employer(s)
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_____________________________________________________________
Total Length of Service
Date of Retirement
Designation ___________________________ Since: .__________________________
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Annual Income (`)* Gross:________________ _______Net:_____________________________
19. If Other Occupation

18
Total Annual Income (`)* Gross: ____________________. Net____________________.
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20. Annual deductions (statutory savings, IT etc in `)*

21. Other loans taken (including previous loans from PNB):
Limit (`) : _____________________________________________________
3
Present Outstanding (`) : _____________________________________________________

Whether regular: ❏ Yes ❏ No
Monthly Repayment (`) : _____________________________________________________
22. Statement of Assets and Liabilities (Amount in `)

Liabilities Assets
Outstanding Amount Amount
07
Loans/Advances
Land
Bank Building
Provident fund Cash
Others Investment in Govt. Securities
Others
Total Total
Net Worth ( Actual in `)
23. Spouse Information:

a) Name of the spouse: ______________________ Office Tel No. : _______________
b) Occupation/Profession: ______________________ Office Address : ______________
c) Annual Income*: Gross:__________________ Net:__________________

d) Is she/he furnishing guarantee? ❏Yes ❏No
e) Income Tax PAN no. ____________________
24. Details of Personal Loan requested from PNB:
a. Purpose of Loan
b. Amount of Loan
25. Repayment Period (yrs)
26. Monthly installment a) Amount (Rs.)
b) Mode ❏ Advance Cheques ❏ Standing instructions
27. Guarantor: Whether available? ❏Yes , Furnish details in Part II ❏No

28. Name, Address and telephone numbers of two references
REFERENCE 1 REFERENCE 2
a) b)
29. Pending court cases of Banks/Financial Institutions

against Applicants/As Partner/ As Director:
(Enclose details on an annexure, if needed)
30 I request for sanction of loan of ` _____________as Personal Loan on the basis of information given above.
It is declared that:
The information given in the loan application is true and nothing has been concealed. The undersigned undertakes to
inform the Bank any change in my residence / office address and to provide any further information that the Bank may
require. The undersigned has been informed of the charges / fee to be levied by the Bank and agrees to pay upfront
fee, documentation charges, etc. as applicable and charged by the bank. The undersigned hereby agree to be bound
:51
by these terms and conditions or by the revised additional terms and conditions which may at any time hereafter be
made while the loan obtained by me/us is still outstanding.
I have read the attached Most Important Terms and Conditions (MITC) annexed to the application form carefully and
15
agree to the same.
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Yours faithfully,
18
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Signature and name of applicant

3
__________________________________________________________________________________________
ACKNOWLEDGEMENT
*Sl. No.________ Date:____________

_______________________________________________________________ for a ______________ (Type
07
of Loan) loan/limit of Rs._____________________ for ______________________________ (State the

purpose). The loan application will be disposed-off and acceptance/ rejection would be
intimated within ____ days from date of receipt of completed application form with
supporting documents.
correspondence.
*Sl. No. of the acknowledgement format should be the same as indicated in the register for
receipt of credit proposals.
Note: All columns of the form should be properly filled up and supporting documents duly signed by applicant wherever
required should be attached, particularly those marked with a *. If there is a co-applicant, he/she should fill up another form.
If there is guarantor, he/she should also fill up the guarantor information (Part II)
1. Name _______________________________________________________
2. Father’s/Husband’s Name _______________________________________________________
Recent
3. Address a. Residence* _______________________________________________________
Self-attested
_______________________________________________________
Photograph of
_______________________________________________________
Guarantor
Location/City____________________________________________
District ____________ Pin Code_____________
Country___________
b. Office. _______________________________________________________
_______________________________________________________
_______________________________________________________
Location/City____________________________________________
c. Permanent Address _______________________________________________________

_______________________________________________________
_______________________________________________________
Location/City____________________________________________
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d. E-mail Id _______________________________________________________
15
e. Mobile _______________________________________________________
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4. Telephone No.: Residence _______________________________________________________
(with STD code) Office _______________________________________________________
18
5. Age (yrs.) _______________________________________________________
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6. Date of Birth (dd/mm/yyyy):* _______________________________________________________

7. Gender (male/female/Transgender) _______________________________________________________
8. Qualification _______________________________________________________
9. Is he/she is an Income-tax payer? _______________________________________________________
3
10. Income Tax PAN no.* _______________________________________________________

11. Aadhar No. * _______________________________________________________
12. Voter ID No*. _______________________________________________________
Any one of
13. Passport No.* _______________________________________________________
10,11 or 12
15. Type of guarantor ❏Self Employed ❏Salaried ❏ Professional ❏ Others

07
Salaried Designation _______________________________________________________
Name & Address of the _______________________________________________________
employer _______________________________________________________
Years with current employer
Yes/No, If yes, 16 Digit account no. and if no details of Salary Account
Salary a/c with PNB with Bank, Branch and Account No
_______________________________________________________

16. Statement of assets and liabilities of the guarantor
Liabilities Assets
Outstanding Loans Amount Amount
and Advances
Land
Bank Building
Provident fund Cash
Others Investment in govt. Securities
Others
Total Total
Net Worth
(Actual in `)
______________________________ (mention purpose ) loan of `. __________________________ to be
considered by the Bank to Shri/Smt./Miss___________________________________________________
:51
_____________________________________________________________________________________
_____________________________________________________________________________________
_______________________________________________________________________________________So
n/Wife/Daughter of Shri ______________________________________________________________
15
_____________________________________________________________________________________
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_________________________________________________________________________________________
____________________________, I have agreed to furnish my guarantee for repayment of the loan. I hereby
declare that I know the above mentioned applicant (s) very well for the last _________ no. of years. The
information furnished by me is true and correct to the best of my knowledge & belief.
18
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3
Date:
Place:
07
FOR OFFICE USE ONLY: BO _________________________
PNB Score ID :________________________PNB Score_______________
Credit Information Report : No. Score ____

Borrower : ______________________________________________
Guarantor : _______________________________________________

detail thereof :

Applicants/co a applicants/guarantors
Have been complied with :

Eligible for concessions under Women
Empowerment Scheme :
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15
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Recommended for sanction of a Personal Loan of `______________ favouring
Sh./Smt./Km._______________________________________________________________________
_subject to terms & conditions mentioned above. The loan is proposed to be guaranteed by
18
Sh./Smt./Km.________________________________________ / collaterally secured by
_______________________________________________. The loan shall be repayable in
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_____Equated Monthly Instalments (EMIs) of `_____________ commencing w.e.f. ______________.

The applicable rate of interest @______________, upfront fee `____________and documentation
charges `_______________ which be communicated through a Sanction Letter and acknowledgement
3
may be obtained and kept on record.

07

Place:
Date:
PNB 1114A
BO: __________________________________ (D. No.____________)
To, Date: ____________

________________________
________________________
________________________
Dear Sir/ Madam,

YOUR APPLICATION FOR PERSONAL LOAN - SANCTION LETTER
We are pleased to inform that we have sanctioned a Personal Loan of `._________________in your
favour for ___________________________________ on the undernoted terms & conditions.
Sanction Terms
Sanctioned Amount
Rate of Interest*
Type of Interest
Margin
:51
Repayment Tenor
Number of EMIs Amt. of EMI* `
15
Upfront fee/ Processing fee ` Documentation Fee `
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Credit Information Report Charges
Primary
18
Collateral
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Prepayment Penalty (Applicable in 2% of the outstanding balance to be pre-paid, if the loan is

case of Fixed rate option) shifted to other Bank/Financial Institution.
3
Penal Interest, if any In case of default in repayment of loan/non compliance of

terms & conditions the borrower shall be liable to pay penal
interest of 2% on the default/irregular amount.
* is subject to change from time to time.

i) Execution of Loan documents as per Banks format and guidelines;
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iii) The above sanction shall be valid for a period of six months from the date of issue of the sanction
letter.
Thanking you.
Yours truly,
1. Interest:
balance due to the Bank so long as the amount due from the borrower is not paid in its
entirety and the same will form part of the principal and carry interest at the applicable rate at
monthly rests.
outstanding credit facility shall have to be adjusted in full, failing which the bank would
charge the revised interest rate from the date of reset.
borrower is not agreeable with the proposed rate fixed at the time of reset or no consensus
is arrived at mutually on rate of interest to be charged from the reset date, pre-payment
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option may be exercised by the borrower for discontinuation of the loan. In such an
eventuality, no pre-payment penalty will be levied which will provide a comfort to the good
corporate borrowers. However, a reasonable time of not more than one month shall be given
to the borrower to make arrangement for repaying the bank’s loan. After expiry of the
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stipulated period, the interest rate as fixed by the bank shall be charged.
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2. Penal Interest:
3
a. Non-payment of any installment of principal and/or interest, costs and other charges due,
on the amount in default from the date of default; or
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4. Fee & other Charges: Fees and other charges as applicable on application/ during
the currency of the loan/ conversion charges for switching
Inspection charges etc. will be charged from the applicant as per sanction before release of
credit facilities.
Information Companies like CIBIL etc., registration of charge with CERSAI in case of
mortgage of property etc. will be recovered from the applicant immediately on occurring of
the event.
security, within the stipulated time period as specified in the sanction. Personal guarantee if
any, will be obtained as per sanction.
7. Insurance:
insured against all risks at their own cost with usual bank clause. A copy of the insurance
policy will be kept on bank's records also.
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5. Disbursement:
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proposes to purchase the asset. Original bills/cash memos for all the assets financed by
3
bank/ payments made by the bank, shall be submitted by the borrower to be placed on
bank’s record.
e) In case of housing loan, the Loan will be released in stages as per physical progress of
the project. Before actually disbursing the loan, the Branch Head must satisfy that the
borrower has contributed the required margin for the loan. In case of housing loan for
construction of house, payment will preferably be made directly to the suppliers.
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g) Loan will be utilised strictly for the purpose as per sanction. Deviation if any, will be
treated as non-compliance.
Sanctioned Letter.
periodicity, amount and mode of repayment of the loan. No notice, reminder or intimation
is given to the customer regarding his/her obligation to pay the EMI/ Instalment regularly
on due date.
b) On non-payment of EMI/ Instalment by the due dates, Bank shall remind the customers
by making telephone calls, sending written intimations by post and electronic medium or
by making personal visits by Bank’s authorized personnel at the addresses provided by
the customer. Costs of such calls/communication /visits shall be recovered from the
customer.
c) Notwithstanding what is stated herein, it shall be the liability of the customer to ensure
that the EMIs/ Instalments are regularly paid on the due dates.
Information Bureau (India) Limited (CIBIL) or any other licensed bureau on a monthly
basis. To avoid any adverse impact on the credit history with CIBIL, it is advised that the
customer should ensure timely payment of the amount due on the loan amount.
f) Intimation/Reminders/Notice(s) are given to customer prior to initiating steps for recovery
of overdues, under the Negotiable Instruments Act, Civil Suit as well as under the
SARFAESI Act.
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7. Customer Service: Customer Service Queries including requirement of documents can
be addressed to the Bank through the following channels:
i) Write to the branch or contact us through toll free number 1800-180-2222 / 1800-103-
2222 / 0120-2490000 (tolled).
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8. Grievance Redressal: There can be instances where the Borrower is not satisfied with
the services provided. To highlight such instances & register a complaint the Borrower may
follow the following process:
b) The Borrower can complain to customer care through our website: www.pnbindia.in or
email at care@pnb.co.in or Mobile Application “wecare” (can be downloaded through Google
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escalate the matter to Principal Nodal Officer, Punjab National Bank, Customer Care
Division, Head Office, Sector 10 Dwarka, New Delhi 110075.
ANNEXURE-I
PUNJAB NATIONAL BANK
___________________________
APPLICATION FORM FOR LOAN UNDER

“PNB BAGHBAN”
A SCHEME FOR HOUSE OWNING SENIOR CITIZENS
UNDER REVERSE MORTGAGE CONCEPT
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Recent photo of main applicant Recent photo of joint applicant
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MAIN APPLICANT’S PARTICULARS
Name (Shri/Smt)
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Name of Father/Husband
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Date of Birth: Income Tax PAN No.:

Aadgar No. :
Gender: Nationality: Marital Status:
3
Single Married Divorced Widowed

Male / Female Religion:
/ Transgender
Residential Address: Contact Nos.
(h) (M)
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e-mail ID- Years at current Residence: ________ years

Name of the Spouse Highest Academic Qualification No. of
Dependents:
Voter ID No. Passport No. Driving Licence No.
Working Self-employed Office Address with Contact Nos.:

Retired
Current official Length of Service Monthly gross Any other Income:
designation: in the present Salary:
occupation:
FINANCIAL COMMITMENTS
Credit Card(s) Housing Loan Car Loan Personal ODs
Monthly Payments: Monthly
Instalment: Renovation Loan
Rs. Rs. Monthly Instalment: Rs.

1
JOINT APPLICANT’S PARTICULARS
Name (Shri/Smt)
Name of Father/Husband
Date of Birth: Income Tax PAN No.:
Aadhar No.:
Gender: Nationality: Contact Nos.
(h) (M)
Male / Female Religion: Years at current Residence: ________ years
Residential Address:
e-mail ID-
Relationship with Joint Applicant Academic Qualification No. of
Dependents:
Voter ID No. Passport No. Driving Licence No.
Working Self-employed Office Address with Contact Nos.:
Retired
Current official Length of Service: Monthly gross Any other Income:
designation Salary:
FINANCIAL COMMITMENTS
Credit Card(s) Housing Loan
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Monthly Payments: Monthly Car Loan Personal ODs
Instalment:
Renovation Loan
Rs. Rs.
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Monthly Instalment: Rs.
STATEMENT OF ASSETS & LIABILITIES OF MAIN APPLICANT
LIABILITIES ASSETS
Outstanding Amount (Rs.) Amount (Rs.)
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Loan/Advances
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Immovable Properties:
Land
Bank Building
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Employer Moveable Properties:

Provident Fund Cash
Relatives & Friends Deposits with Banks
Contingent Liabilities incl. Investments in Govt.
Tax dues, if any. Securities
Others Others
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TOTAL TOTAL
NET WORTH (Actual in Rs.) : Rs._____________________

STATEMENT OF ASSETS & LIABILITIES OF JOINT APPLICANT
LIABILITIES ASSETS
Outstanding Amount (Rs.) Amount (Rs.)
Loan/Advances
Immovable Properties:
Land
Bank Building
Employer Moveable Properties:
Provident Fund Cash
Relatives & Friends Deposits with Banks
Contingent Liabilities incl. Investments in Govt.
Tax dues, if any. Securities
Others Others
TOTAL TOTAL
2
NET WORTH (Actual in Rs.) : Rs._____________________
PARTICULARS OF ALL LEGAL HEIRS

No. of Legal Heirs : Relationship with Contact Nos.
the Applicants
Name(s) & addresses of legal heirs: Ph:
1.
M:
2. Ph:
M:
3. Ph:
M:
4. Ph:
M:
Please attach separate sheet for more details in respect of legal heirs.
LOAN REQUIREMENT
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Loan required: Rs. Loan period,
Monthly Cash Payout: Rs. _______ years

PENSION (If applicable) AND BANK ACCOUNT DETAILS
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PENSION DETAILS Name of Bank: _____________________________
PPO No. ____________________
Branch Address: ___________________________
Pension being received ____________________
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from (Department) ____________________ ___________________________
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Account No. ___________________________

Pension per month: Rs.____________________ (for crediting monthly cash payout)
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DETAILS OF PROPERTY TO BE MORTGAGED

Property Address:
Property type: Flat / Apartment /House

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No. of Floors built ): ________

Plot Area : ______ Sq.Mtr. Built in area: _______ sq.Mtr.
Please indicate whether the
Freehold Leasehold
house is freehold / leasehold
If Leasehold, state the remaining term: ________ years
Along with name of the lessor __________________________
Name(s) of Registered
Owner(s) of Property to be
mortgaged
Is the ownership of property
shared with any other person
other than spouse?
Is the property adequately
insured against Loss or
damage caused by Fire, Flood
& such other risks, as is
usual for residential
property? Please give details.
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DECLARATION/UNDERTAKING
I/We declare/undertake as under :-
• that I/we am/are Indian resident (s) and that I/we am/are not insolvent and there
is no petition/judgement/court proceedings pending against me/us for any criminal
act.
• I/We confirm that I/We had never been awarded an adverse judgment or decree in a
court case involving breach of contract, tax malfeasance or other serious misconduct
and never been a defaulter with PNB/other financial institution.
• that the residential house/flat being mortgaged under this loan facility is in my/our
name only and that the said house/flat is free from any encumbrance, with clear
title in my/our name (s).
• that the said residential house/flat is self-acquired, self-occupied and is not an
ancestral property.
• that the said residential house/flat will be used as my/our ‘permanent’ primary
residence.
• that I/we have not more than one surviving legal spouse.
• I/We also authorize PNB or its agent to make information relating to me/our loan
details and repayment history information to other Banks/financial
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institutions/credit Bureaus/agencies as may be required and shall not hold PNB
liable for use of this information. I/We undertake to inform PNB regarding any
change in my/our residence/employment and to provide any further information
that PNB may require.
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• that I/we hereby declare that the information and declaration contained in this
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application are true and agree that they be the basis of granting to me/us the loan
by the Bank.
• I/We agree to pay upfront fee as applicable and charged by the Bank.
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• I/We have been provided the terms and conditions of the “Reverse Mortgage Scheme
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– PNB Baghban”. I/We have read and understood the same and hereby agree to be
bound by these terms and conditions or by the revised additional terms and
conditions which may at any time hereafter be made while the loan obtained by
me/us is still outstanding.
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• A draft of the loan agreement to be executed by me/us has been received and I/We
agree to execute the loan documents as per the terms of sanction of the proposed
loan. I/We also confirm to abide by the same.
• I have read the attached Most Important Terms and Conditions (MITC) annexed to the
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Signature of main applicant Signature of joint applicant

_________________ _________________
Date Date
DOCUMENTS SUBMITTED
4
FOR OFFICE USE ONLY
Comments/recommendations of appraising officer

(Please visit the borrower’s residence/neighbor to check the details/particulars given in the
application form and give his/her comments/recommendations accordingly along with date of visit)
(Signature and name of appraising officer)
Orders of the sanctioning authority
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Place
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Date
PNB 1193A
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___________________________________________________________________________________
ACKNOWLEDGEMENT
3
*Sl. No.________ Date:____________
Received application from Mr/Ms/M/S _______________________________ R/O/Office

at _______________________________________________________________ for a ______________
(Type of Loan) loan/limit of Rs._____________________ for ______________________________
(State the purpose). The loan application will be disposed-off and acceptance/ rejection
would be intimated within ____ days from date of receipt of completed application form with
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supporting documents.
correspondence.
*Sl. No. of the acknowledgement format should be the same as indicated in the register for
receipt of credit proposals.
5
1. Interest:
borrower is not paid in its entirety and the same will form part of the principal and
carry interest at the applicable rate at monthly rests.
borrower, the outstanding credit facility shall have to be adjusted in full, failing which
the bank would charge the revised interest rate from the date of reset.
consensus is arrived at mutually on rate of interest to be charged from the reset
date, pre-payment option may be exercised by the borrower for discontinuation of
the loan. In such an eventuality, no pre-payment penalty will be levied which will
:51
provide a comfort to the good corporate borrowers. However, a reasonable time of
not more than one month shall be given to the borrower to make arrangement for
repaying the bank’s loan. After expiry of the stipulated period, the interest rate as
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fixed by the bank shall be charged.
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d) The bank will make efforts to keep its borrowers’ informed of any change in
interest rates through the official website (www.pnbindia.in) , annual statement of
18
accounts, display in its offices and general announcements from time to time.
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2. Penal Interest:
3
a. Non-payment of any installment of principal and/or interest, costs and other

charges due, on the amount in default from the date of default; or
07

the manner otherwise provided in the sanction. Further, it should also be ensured
that margin stipulated is maintained / provided at each stage of disbursement.
NACH mandate/ standing instructions, charges for drawing of Credit Information
Report from Credit Information Companies like CIBIL etc., registration of charge with
6
CERSAI in case of mortgage of property etc. will be recovered from the applicant
immediately on occurring of the event.
assets purchased through bank funds in case of primary security and/or assets in
case of collateral security, within the stipulated time period as specified in the
sanction. Personal guarantee if any, will be obtained as per sanction.
7. Insurance:
a) The borrower shall get the assets, mortgaged/ hypothecated/ charged to the
bank, insured against all risks at their own cost with usual bank clause. A copy of the
b) In case the same is not complied with, the bank will get the same insured and
cost recovered from the borrower.
c) The Borrower may avail health and/or life insurance cover for himself with the
:51
Bank as the sole beneficiary under the policy / policies.
5. Disbursement:
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b) The borrower will intimate the Bank of any change in his employment/contact
details.
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applicant proposes to purchase the asset. Original bills/cash memos for all the
3
assets financed by bank/ payments made by the bank, shall be submitted by the
borrower to be placed on bank’s record.
progress of the project. Before actually disbursing the loan, the Branch Head must
satisfy that the borrower has contributed the required margin for the loan. In case of
housing loan for construction of house, payment will preferably be made directly to
07
the suppliers.
g) Loan will be utilised strictly for the purpose as per sanction. Deviation if any, will
be treated as non-compliance.
a) Customers have been explained the repayment process of the loan in respect
of, tenure, periodicity, amount and mode of repayment of the loan. No notice,
reminder or intimation is given to the customer regarding his/her obligation to
pay the EMI/ Instalment regularly on due date.
electronic medium or by making personal visits by Bank’s authorized personnel
7
at the addresses provided by the customer. Costs of such calls/communication
/visits shall be recovered from the customer.
advised that the customer should ensure timely payment of the amount due on
the loan amount.
limited to, taking possession and sale of the mortgaged property in accordance
with the procedure prescribed under the Securitisation and Reconstruction of
Financial Assets and Enforcement of Security Interest Act, 2002 (SARFAESI
Act) or under any other law, is followed purely as per the directions laid down
under the respective law.
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i) Write to the branch or contact us through toll free number 1800-180-2222 / 1800-
15
103-2222 / 0120-2490000 (tolled).
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a. Photo Copies of loan documents, which can be provided in 7 working days from
date of placing request. Necessary administrative fee shall be applicable.
18
b. Original documents namely Title Deed of Property, Registration Certificate etc. will
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be returned within 10 working days from the date of closure of loan.

request.
3

07
www.pnbindia.in or email at care@pnb.co.in or Mobile Application “wecare” (can be

downloaded through Google Playstore) or through Internet Banking/ Mobile Banking
or
borrower may escalate the matter to Principal Nodal Officer, Punjab National Bank,
Customer Care Division, Head Office, Sector 10 Dwarka, New Delhi 110075.
8
१ यद टा प लगाने से छूट न द गई हो तो अकेले ऋणी के स ब*ध मे इस करार पर करार के ,प मे
और य द दो या अ.धक /यि तयो 1वारा ऋण लया जा रहा हो तो करार के ,प मे टा प लगाई जाए.
If not exempted this agreement be stamped as an Agreement in case of single borrower and as an
Agreement plus Special Power of Attorney in case of borrowing by two or more persons.
२ साOय कP आबRयकता नह ं है .
Not to be witnessed.
सोने के आभूषणV /व तुओं कP YZतभूZत पर ऋण हे तु आवेदन तथा करार

APPLICATION CUM AGREEMENT FOR LOAN AGAINST SECURITY OF GOLD
ORNAMENTS/ARTICLES
Yबंधक /Manager
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पंजाब नेशनल बiक
punjab national bank
15
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शाखा /B .O .________________
18
kYय महोदय /Dear Sir
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(बताये क या मांग ऋण कृmया मझ

ु े /हमo ----------------------------------------------उpेRय के लए अनस
ु च
ू ी मे उिrलsखत सोने के आभष
ू णV /व तुओं कP YZतभZू त
3
/ओवर ा ट / मयाद पर ---------------------------------------- के ,प मे ------------------- --------------- मे , . -------------------

ऋण/नकद उधर है )
(tपये -------------------------------- ------) कP ऋण सीमा तक , . --------------------------------- से , . ------------------
माu तक वkृ v के ,प मे kवwतीय सहायता Yदान करे . ( िजसे इस करार मे आगे ऋण कहा गया है . )
07
I/We request to grant me/us financial assistance by way of ------------------------------- -----enhancement of *--------------------------
*Indicate
demand
Upto the extent of limit of Rs. ----------------------------------from Rs. -------------------------------to Rs. ---------------------------- -------------
loan/overdraft/termloan/
cash credit as the case may
be (Rupees -------------------------------- ------------------------------- ----------------------only)
(Hereinafter referred to as loan) against security of gold ornaments/articles described in the Schedule, for the purpose of ------
-------------- -------------------------------------------------.) *
वचन /UNDERTAKING
(१) चक
ु ौती /REPAYMENT
मांग ऋण के स ब*ध मे १.मै /हम मांगे जाने पर ऋण खाते मे बकाया सम त रकम |याज ,Yभार , खच} तथा लागत स हत चक ु ाने के लए सहमत हूँ/हi I/We agree to
Applicable in case of demandrepay on demand of the entire amount outstanding together with interest , charges, expenses and costs in the loan account.
loan
मै / हम मांगे जाने पर उ त ऋण खाते मे उस समय बकाया तथा बiक को दे य शेष रकम |याज ,Yभार , खच} तथा लागत स हत चक
ु ाने के लए
ओवर ा ट /नकद उधार के सहमत हु /है .
स ब*ध मे I/We agree to repay after demand being made by the bank the balance including interest, charges, expenses and costs then
applicable in case of OD/CC outstanding and owing to the bank on the said loan account.
मै /हम दनांक ----------------------------------------------से Yार भ --------------------------------------tपयV कP --------------- -----------------

मयाद ऋण के स ब*ध मे -------- ----------- क तV मे ऋण चक
ु ने के लए सहमत हू/हi. मi/हम इस करार मo उिrलsखत /याज, /यय और लागत खचy का भुगतान करने के
लए सहमत हूँ/हi .
Applicable in case of term
loan I/We agree to pay the loan in -------------------------------------instalments of Rs. ------------------------------------ each commencing from --
--------------------------------------,I/We agree to pay interest as herein provided and the charges,expenses and costs.
(ii) परंतु य द कोई ऐसी घटना घट जाती है . ऐसी प{रि थZत आ जाती है िजसका बiक कP •ि‚ट मे ऋण कP चक
ु ौती पर YZतकूल Yभाव पड़ता है
चक
ु ौती कायyzम मे संशोधन अथवा इस करार मे उिrलsखत चक
ु ौती अव.ध अपयाymत पायी जाती है तो आप पण
ू त
y अपने kववेक से, इस करार मे उिrलsखत कRतo चक
ु ाने के
कायyzम मo संशोधन कर दo और उसकP सच
ू ना मझ
ु े /हमे दे दo और ऐसा संशो.धत चक
ु ौती कायyzम मझ
ु पर /हम पर बंधन-कार होगा तथा यह
माना जाएगा मानV उ त संशो.धत चक
ु ौती कायyzम इस करार मo ह शा मल है . मi /हम सहमत हूँ /हi क इस Yकार से कायyzम मे कया गया
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कोई भी संशोधन कसी भी तरह से मुझे /हमे आपके YZत दे यता तथा द गयी YZतभूZत से कसी भी ,प मo मु त नह ं करे गा एवं मेर / हमार
दे यता कP रकम और सीमा उ त संशोधनV और /अथवा चक
ु ौती कायyzम मे प{रवतyन के अनस
ु ार बनी तथा जार रहे गी.
Provided that on the occurance of any event/circumstances which in the opinion of the bank the repayment of the loan or the
repayment period herein above provided is found insufficient you may in your absolute discretion reschedule the instalment
15
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hereinabove provided and intimate the same to me/us and such amended schedule of payment will be binding on me/us and
Reschedulement
shall be deemed to have been incorporated in this Agreement. I/We agree that any such rescheduling will not in any way absolve
me/us from the liability towards you in any manner whatsoever and the value and extent of my/our liability and the security
offered shall subsist and continue subject to the modifications and/or rescheduling.
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(iii) मi /हम सहमत हूँ/हi क य द क तV अथवा |याज के भुगतान मे कोई चक

ू हो जाती है तो बiक को अ.धकार होगा क वह /याज, Yभार, /यय
और लागत खचy स हत ऋण खाते मे बकाया सार रकम वापस मांग ले.
रा श वापस मांगना I/we agree that in case of default in payment of instalment or interest, the bank shall be entitled to recall the entire amount
3
including interest, charges, expenses and costs outstanding in the loan account.
Recall
(२) |याज / Interest
दर (i) मi/हम ----------------------------------------- ---------------- ------------------------- kवरामो पर एम ् सी एल आर से --------------------------

----------------% अ.धक ले कन कम से कम ---------------------------------% कP दर से |याज का भुगतान करने के लए सहमत हूँ/हi.
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I/We agree to pay interest @ --------------------------------------------% over MCLR with a minimum of _____________________% p.a.
with ---------------------------------------rests.
Rate
(ii) |याज मे भारतीय {रज़वy बiक /बiक प{रवZतyत एम ् सी एल आर के अनस
ु ार प{रवतyन कया जा सकता है .
Interest chargeable shall be subject to change in interest rate made by RBI/bank from time to time.
दर मे प{रवतyन
Change in rate
भुगतान
Payment
(iii) कRते चाहे िजस ,प मo तय कP गई हो तो |याज जब भी दे य होगा, उसका भुगतान कया जाएगा .
मूलधन का ह सा Interest shall be paid as and when due irrespective of Instalments fixed.
Part of Principal
(iv) दे य होने पर य द |याज का भग
ु तान न कया गया तो वह मल
ू धन का ह ह सा बन जायगा और उसपर उपर लsखत दर से
|याज लगेगा .
अZत{र त |याज Interest due, if not paid, will form part of the principal and carry interest at the above mentioned rate.
Additonal Interest
(v) दे य Zत.थ पर क़ त अथवा |याज का भुगतान न करने पर
In case of default in the payment of instalment or interest on the due date.
और /अथवा and /or
इस करार मे कP गई |यव था के अनस

ु ार बiक 1वारा सम त ऋण वापस मांगे जाने पर
In case the entire loan is recalled by the bank as herein provided.
और /अथवा and /or
Zन न लsखत मo से कसी कारणवश खाता, अZनय मत हो जाने पर
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Incase the account becomes irregular.
(क) य द ऋणी मािजyन नह ं बनाएं रख पाता.
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On account of the borrower failing to make up the margin.
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(ख) Zनधाy{रत सीमा से अ.धक आहरण और/या आहरण शि त उपल|ध न होने के कारण अ.धक ऋण लेने पर.
On account of excess borrowing due to overdrawal of limit and/or drawing power not being available.
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(ग) अ*य कसी भी कारण से.

For any other reason whatsoever.
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Zन न लsखत रकमV के स ब*ध मे ऋणी –सहमत kवरामV पर -----------------------------------------------------------------

वाkषyक कP दर से अZत{र त |याज दे ने पर सहमत है :-
The borrowers agree to pay increased interest at the rate of ----------% p.a. with agreed rests over and
above the agreed rate of interest as under:-
(i) चक
ू कP रा शयV पर चक
ू कP तार ख से,
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On the amount in default from the date of default,
(ii) रा श वापस मांगे जाने कP तार ख से बकाया रा श पर और

On the amount outstanding from the date of demand and
(iii) खाता अZनय मत हो जाने कP तार ख से बेशी, उधार पर.

On the amount of excess borrowing, from the date the account becomes irregular.
(3) YZतभZू त /SECURITY

.गरवी रखना
(i) मi/हम एत‘वारा |याज, लागत तथा /यय स हत, लए गए ऋण कP बकाया रा श कP चक

ु ौती हेतु अनस
ु च
ू ी मे उिrलsखत
सोने के आभूषण/व तुएं, YZतभूZत वtप आपके पास .गरवी रखता हूँ/ रखते हi .
Pledge I/We hereby pledge with you gold ornaments/articles described in the schedule as security for repayment of
outstanding balance of the loan together with interest, costs and expenses.
भावी (ii) अब के बाद से Yदान कP गई /Yदान कP जाने वाल अ.“म kवतीय सहायता के स ब*ध मo और अब के बाद से पण
ू त
y मेरे
दे यताओहे तुYZतभूZत 1वारा अथवा अ*य /यि तयV के साथ सयुं त ,प से भले ह Yमुख ऋणी अथवा जा मन के ,प मे, बiक अथवा बiक के कसी
कायाyलय से कसी भी उpेRय से लए गए/ लए जाने वाले ऋण के लए बiक इस YZतभूZत को अपने पास YZतभूZत वtप
रखने के लए Yा.धकृत होगा .
The bank is entitled to hold this security for any other liability/liabilities payable by me/us in respect of
Security for further any advance financial assistance granted/to be granted hereafter and owing/that may be owning
liability hereafter to the bank at any office of the bank on any account whatsoever whether solely or jointly with
others and whether as principal debtor or surety.
(iii) य द मै/हम ऋण और /या ऋण कP क़ त और /या ऋण खाते के अंतगyत दे य कसी रा श कP चक

ु ौती नह ं कर पाते तो बiक
Yवतyन मुझे/हमे कोई नो टस दए •बना अनस
ु ूची मे बताई YZतभूZतयां सावyजZनक नीलामी अथवा Zनजी सं•बदाओ 1वारा बेचने के लए
Yा.धकृत होगा. •बzP से Yाmत श–
ु द रकम समायोिजत करने के पRचात भी य द उ त दे यता मo कोई रा श शेष रह जाती
है तो बiक 1वारा मांगे जाने पर मेरे/हमारे 1वारा उस रा श कP चक
ु ौती कP जाएगी. बiक 1वारा अZत{र त रा श ( य द कोई
है ) मेरे /हमारे /हममे से कसी एक 1वारा पण
ू त
y ः अथवा कसी अ*य /यि त//यि तयV के साथ संयु त ,प से दे य कसी
रा श के भग
ु तान मे या उस भग
ु तान के YZत समायोिजत कP जाएगी .
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In case of failure on my/our part to repay the loan and/or instalment of the loan and/or any other
Enforcement amount due under the loan account, the bank is entitled to dispose of the securities described in the
Schedule, either by public auction or by private contract without any notice to me/us. Shortfall, if any,
15
after adjustment of the net sale proceeds shall be repaid by me/us on demand by the bank. Surplus, if
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any, may be adjusted by bank in or towards payment of any other monies due from me/us/any of us
solely or jointly with any other person/persons.
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(4) अ*य शत™ /OTHER TERMS
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(i) मै /हम बiक 1वारा समय –समय पर Zनधाy{रत मािजyन रखने और बनाये रखने के लए सहमत हूँ/हi.
I/we agree to keep and maintain such margin as may be fixed by bank from time to time.
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(ii) य द इस खाते मo मेर /हमार ऋण.“ तता बiक 1वारा वीकृत सीमा से अ.धक हो जाती हi तो मै/हम सयुं त ,प से तथा
पथ
ृ क-पथ
ृ क उ त बेशी रा श के लए दे नदार हVगे और द गई YZतभZू तयां भी उ त सीमा से अZत{र त बेशी रा श के लए
दे य हVगी तथा बनी रहo गी .
In case my/our indebtedness to the bank in the account exceeds the limit granted by the bank, I/We
shall be jointly and severally liable for the excess amount and the securities given shall also be or
07
continue to be liable for the excess amount over and above the said limit.
(iii) एत‘वारा Zन मyत YZतभूZतयां शेष रा श अथवा उ त खाते मo दे य होने वाल रा श कP YZतभूZत के ,प मo ज़ार रहo गी और
य द कसी एक समय अथवा समय-समय पर उ त खाता zे›डट मo हो जाता है तो न तो इस YZतभूZत के उpेRय से खाता
बंद हुआ माना जाएगा और न ह यह YZतभZू त समाmत हुई समझी जाएगी.
The Securities hereby created shall operate as continuing security for the balance or sum to become
payable upon the said account is not to be considered to be closed for the purpose of this security
and the security is not to be considered exhausted by the reason of the said account being brought
to credit at any time or from time to time.
(iv) मै/हम समय-समय पर बiक 1वारा Zनधाy{रत अथवा दए गए Yासं.गक YभारV/अ*य YभारV का भुगतान करने के लए सहमत
हूं /हi |
I/we agree to pay incidental charges/other charges as fixed or incurred by the bank from time to time.
दो या दो से (v) मै/हम पिु ‚ट करता हूं/करते हi क मै/हम अनस ु ूची मे उिrलsखत आभूषणV/व तुओ का/के वा तkवक वामी हूं/हi और इन
अ.धक /यि तयो आभष ू णV /व wत ु ओ पर इस से पवू y कोई “हणा.धकार अथवा ऋण भार Zन मyत नह ं कया गया हi और इन आभष ू णV /
1वारा ऋणलेने पर व तुओ पर/के बदले कसी अ*य /यि त को कोई दावा नह ं हi |
Applicable in case of I/We confirm that I/We am/are the true owner/s of the ornaments/articles described in the schedule and
Borrowing by two or no prior lien or charge has been created on these ornaments/articles and no other person has any
More persons claim over or against these ornaments/articles.
(vi) हम एत‘वारा हममo से कसी एक 1वारा ह ताŸ{रत सभी पिु ‚ट-पuV तथा हममo से कसी एक को भी बताये गए सभी
खातो के YZत अपने आप को उwतरदायी मानने के लए सहमत हi | हम सहमत हi क समय-समय पर खातV मo बकाया
दे नदार कP अ भ वीकृZत दे ने और उसे वीकार करने के लए हममे से Ywयेक /यि त अ*य सभी का एजoट हi |
I/We hereby agree to hold ourselves liable as aforesaid on the confirmation letters signed by anyone
of us and on all the accounts stated to anyone of us. We agree that each one of us is an agent for
the other (s) to acknowledge and admit liability outstanding in the account from time to time.
(vii) मै/ हम खाते कP बकाया रा श और YZतभूZतयो के बारे मे बiक 1वारा दए गए लेखा – kववरण को •बना कसी बह वाउचर
अथवा कागजात के सह मानने के लए सहमत हूं /हi |
I/We agree to accept the statement of account furnished by the bank regarding the outstanding as well
as sale of securities as sufficient proof of correctness thereof without production of any book, voucher
or paper.
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(viii) मै/हम इस बात पर भी सहमत हूं/हi और उ त बकाया रकमV के चालू रहने के दौरान और उनके भुगतान के लए उ त बiक
को सामा*य “हणा.धकार और •बना कसी नो टस के खातो को समिजत करने और इक े मलाने का तथा मेर /हमार
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ओर से अथवा हममे से कसी एक कP ओर से बiक के क|जे अथवा Zनयंuण मे आने वाल अथवा मेर /हमार ओर से अकेले
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अथवा अ*य कसी के साथ सयुं त ,प से फलहाल बiक के पास भारत मे अथवा अ*यu रखी हुई चल संपिwत पर ऋण-
भार सज
ृ न का अ.धकार दे ता हूं /दे ते हi |
I/We do further agree and hereby give to the said bank during the currency and for the payment of
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the dues, a general lien and right to set off and combine accounts without any notice and charge on
/06 13
all movable property of every description, coming into the possession and control of the said bank on
account of me/us or anyone of us or for time being held by the said bank on behalf of me/us or
anyone of us whether alone or jointly with the others in India or elsewhere.
3
(ix) मiने /हमने बiक को जो पता दया है उस पर डाक से भेजे गए सभी पuा द, मांग नो टस/•बzP नो टस हमे Yाmत हुए
माने जायoगे | य द मै /हम अपना पता बदलता हूं /बदलते हi तो मै /हम पता बदलने कP सच
ू ना बiक को दं ग
ू ा /दo गे |
य द पता बदलने कP सूचना बiक को नह ं द जाती तो पuा द बiक के पास दजy पते पर भेज दे ना पयाymत होगा |
All communications, notice or demand/notice of sale posted by the bank at the address given by
me/us will be effectual. If I/We change my/our address, I/We shall give notice of such change to
07
the bank. In the absence of such notice of change, it would be sufficient if communications are
addressed to me/us at the address registered with the bank.
PNB944A
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3
__________________________________________________________________________
ACKNOWLEDGEMENT
*Sl. No.________ Date:____________
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_______________________________________________________________ for a ______________ (Type of Loan)
credit proposals.
1. Interest:
rests.
b) All floating loans/credit facilities linked with MCLR are subject to Reset clause. On Reset date,
the interest rate may change and if the same is not acceptable to the borrower, the outstanding
credit facility shall have to be adjusted in full, failing which the bank would charge the revised
interest rate from the date of reset.
arrived at mutually on rate of interest to be charged from the reset date, pre-payment option may
be exercised by the borrower for discontinuation of the loan. In such an eventuality, no pre-
:51
payment penalty will be levied which will provide a comfort to the good corporate borrowers.
However, a reasonable time of not more than one month shall be given to the borrower to make
arrangement for repaying the bank’s loan. After expiry of the stipulated period, the interest rate
as fixed by the bank shall be charged.
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2. Penal Interest:
3

07

The applicant should bring in their entire contribution before release of the Loan or in the manner
otherwise provided in the sanction. Further, it should also be ensured that margin stipulated is
maintained / provided at each stage of disbursement.
charges etc. will be charged from the applicant as per sanction before release of credit facilities.
5. Repayment of loan: Loan to repaid in Equated Monthly Installments (EMI) or as stipulated in
the sanction if otherwise.
security, within the stipulated time period as specified in the sanction. Personal guarantee if any,
will be obtained as per sanction.
7. Insurance:
b) In case the same is not complied with, the bank will get the same insured and cost recovered
from the borrower.
5. Disbursement:
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payments made by the bank, shall be submitted by the borrower to be placed on bank’s record.
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project. Before actually disbursing the loan, the Branch Head must satisfy that the borrower has
contributed the required margin for the loan. In case of housing loan for construction of house,
payment will preferably be made directly to the suppliers.
3
g) Loan will be utilised strictly for the purpose as per sanction. Deviation if any, will be treated as
non-compliance.
Sanctioned Letter.
07
due date.
prescribed under the Securitisation and Reconstruction of Financial Assets and Enforcement
of Security Interest Act, 2002 (SARFAESI Act) or under any other law, is followed purely as
per the directions laid down under the respective law.
f) Intimation/Reminders/Notice(s) are given to customer prior to initiating steps for recovery of
overdues, under the Negotiable Instruments Act, Civil Suit as well as under the SARFAESI
Act.
0120-2490000 (tolled).
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18
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3
Head Office, Sector 10 Dwaraka, New Delhi 110075.
######
07
PHOTO
LOAN APPLICATION FOR FINANCE AGAINST MORTGAGE OF IMMOVABLE

PROPERTY
Branch Name Date of Application

Borrower Guarantor
1. NAME
2. FATHER'S/HUSBAND'S
NAME
3. AGE (WITH DATE OF
BIRTH)
4. RESIDENTIAL/OFFICE
COMPLETE ADDRESS
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CITY/ LOCATION
COUNTRY
DIST. CODE
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PIN CODE
TELEPHONE NO.
18
(OFFICE/RESIDENCE
/06 13
WITH STD CODE)

MOBILE NO.
FAX NO. (OFFICE)
3
5. CATEGORY
(RESIDENT INDIAN
INDIVIDUAL, NON-
RESIDENT INDIAN OR
FOREIGN NATIONAL)
6. GENDER
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MALE/FEMALE/TRANSGE
NDER
7. QUALIFICATION
8. AADHAR NUMBER
9. OCCUPATION BUSINESS
SALARIED
RETIRED
OTHERS
a. IF BUSINESS
ENTERPRISE (INDICATE
DETAILS OF
CONSTITUTION &
BUSINESS)
i) CONSTITUTION
ii) NATURE OF
ACTIVITY
iii) DESIGNATION
(DIRECTOR/PARTNER/
SOLE PROP./TRUSTEE,
ETC.)
iv) PER CENT CONTROL
b. IF SALARIED GOVT./PUBLIC GOVT./PUBLIC SECTOR
(ATTACH PROOF ) SECTOR PUBLIC PUBLIC LTD. CO.
LTD. CO.PVT. LTD. PVT. LTD. CO.
CO.OTHERS OTHERS
i) EMPLOYER NAME AND
ADDRESS.
ii) DESIGNATION
iii) LENGTH OF SERVICE
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WITH PRESENT
EMPLOYER
9. INDICATE PAN NO.
15
10. VOTER ID NO.
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11. PASSPORT NO.
12. DRIVING LICENCE NO.
18
13. TOTAL ANNUAL INCOME
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(ATTACH PROOF)
GROSS SALARY/INCOME
STATUTORY
3
DEDUCTIONS OTHER
LOAN INSTALMENTS
NET SALARY/INCOME
OTHER INCOME, IF ANY
(PROOF TO BE
ATTACHED)
07
14. Net Worth

5. DETAILS OF SPOUSE
NAME
OCCUPATION
IF EMPLOYED, SALARY/
INCOME
EMPLOYER’S NAME,
ADDRESS & TEL. NO.
16. OWNERSHIP OF RESIDENCE OWNED (SELF/SPOUSE) RENTED
COMPANY LEASE OTHER*
(PLEASE SPECIFY)
17. IN CASE OF OD FACILITY:
PROJECT TURNOVER:
(PROOF TO BE ATTACHED I.E.

SALES TAX
RETURN/STATEMENT OF
ACCOUNT OF EXISTING
BANKER/ OTHER
DOCUMENTARY EVIDENCE)
18. DETAILS OF ASSETS AND LIABILITIES
LIABILITIES ASSETS
OUTSTANDING AMOUNT ASSETS AMOUNT
LOANS/ADVANCES
BANK IMMOVABLE
PROPERTIES
EMPLOYER LAND
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PROVIDENT FUND BUILDING
RELALTIVES AND MOVABLE PROPERTIES
FRIENDS
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OTHERS CASH
DEPOSITS WITH
BANKS
18
INVESTMENT IN
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GOVT.SECURITIES
OTHERS
3
TOTAL TOTAL
19. PURPOSE OF LOAN/LIMIT
20. AMOUNT OF LOAN/LIMIT

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21. REPAYEMENT PERIOD IN CASE OF

TERM LOAN
22. DETAIL NAME OF
OF IMMOVABLE OWNER OF THE
PROPERTY PROPERTY
PROPOSED TO
BE MORTGAGED
a. DESCRIPTION OF PROPERTY
(HOUSE/FLAT/COMMERCIAL/
INDUSTRIAL PROPERTY ETC.
b. MARKET VALUE
23. I/WE request for sanction of loan of Rs. _____________for meeting my/our business
and/or personal needs against Equitable Mortgage of Immovable Property on the basis of
information given above.
24. I have read the attached Most Important Terms and Conditions (MITC) annexed
to the application form carefully and agree to the same.
:51
I/WE confirm that the above information is correct. I/WE have read and have been advised the
terms and conditions relating to Mortgage Loan Scheme and I/WE hereby agree to be bound
15
by these rules or by the revised additional terms and conditions which may at any time
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hereafter be made while the loan obtained by me/us is still outstanding.
Yours faithfully,
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Signature and name of applicant

3
PNB 1241
____________________________________________________________________
ACKNOWLEDGEMENT
*Sl. No.________ Date:____________
07

_______________________________________________________________ for a ______________ (Type of Loan)

credit proposals.
1. Interest:
borrower is not paid in its entirety and the same will form part of the principal and carry
interest at the applicable rate at monthly rests.
borrower, the outstanding credit facility shall have to be adjusted in full, failing which the
bank would charge the revised interest rate from the date of reset.
:51
consensus is arrived at mutually on rate of interest to be charged from the reset date,
pre-payment option may be exercised by the borrower for discontinuation of the loan. In
such an eventuality, no pre-payment penalty will be levied which will provide a comfort
to the good corporate borrowers. However, a reasonable time of not more than one
15
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month shall be given to the borrower to make arrangement for repaying the bank’s loan.
After expiry of the stipulated period, the interest rate as fixed by the bank shall be
charged.
18
d) The bank will make efforts to keep its borrowers’ informed of any change in interest
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rates through the official website (www.pnbindia.in) , annual statement of accounts,

display in its offices and general announcements from time to time.
3
2. Penal Interest:
a. Non-payment of any installment of principal and/or interest, costs and other charges
due, on the amount in default from the date of default; or
07

the manner otherwise provided in the sanction. Further, it should also be ensured that
margin stipulated is maintained / provided at each stage of disbursement.
NACH mandate/ standing instructions, charges for drawing of Credit Information Report
from Credit Information Companies like CIBIL etc., registration of charge with CERSAI
in case of mortgage of property etc. will be recovered from the applicant immediately on
occurring of the event.
assets purchased through bank funds in case of primary security and/or assets in case
of collateral security, within the stipulated time period as specified in the sanction.
Personal guarantee if any, will be obtained as per sanction.
7. Insurance:
insured against all risks at their own cost with usual bank clause. A copy of the
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c) The Borrower may avail health and/or life insurance cover for himself with the Bank
as the sole beneficiary under the policy / policies.
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5. Disbursement:
18
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3
applicant proposes to purchase the asset. Original bills/cash memos for all the assets
financed by bank/ payments made by the bank, shall be submitted by the borrower to
be placed on bank’s record.
e) In case of housing loan, the Loan will be released in stages as per physical progress
of the project. Before actually disbursing the loan, the Branch Head must satisfy that the
borrower has contributed the required margin for the loan. In case of housing loan for
07
construction of house, payment will preferably be made directly to the suppliers.

g) Loan will be utilised strictly for the purpose as per sanction. Deviation if any, will be
treated as non-compliance.
h) Borrower to comply with all preconditions for disbursement of the loan as mentioned
in the Sanctioned Letter.
a) Customers have been explained the repayment process of the loan in respect of,
tenure, periodicity, amount and mode of repayment of the loan. No notice, reminder
or intimation is given to the customer regarding his/her obligation to pay the EMI/
Instalment regularly on due date.
electronic medium or by making personal visits by Bank’s authorized personnel at
the addresses provided by the customer. Costs of such calls/communication /visits
shall be recovered from the customer.
advised that the customer should ensure timely payment of the amount due on the
loan amount.
limited to, taking possession and sale of the mortgaged property in accordance with
the procedure prescribed under the Securitisation and Reconstruction of Financial
Assets and Enforcement of Security Interest Act, 2002 (SARFAESI Act) or under
any other law, is followed purely as per the directions laid down under the
respective law.
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7. Customer Service: Customer Service Queries including requirement of documents
can be addressed to the Bank through the following channels:
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i) Write to the branch or contact us through toll free number 1800-180-2222 / 1800-103-
2222 / 0120-2490000 (tolled).
18
a. Photo Copies of loan documents, which can be provided in 7 working days from date
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of placing request. Necessary administrative fee shall be applicable.

3
8. Grievance Redressal: There can be instances where the Borrower is not satisfied
with the services provided. To highlight such instances & register a complaint the
Borrower may follow the following process:
07
b) The Borrower can complain to customer care through our website: www.pnbindia.in
or email at care@pnb.co.in or Mobile Application “wecare” (can be downloaded through
Google Playstore) or through Internet Banking/ Mobile Banking or
c) In case the grievance remains unresolved beyond a period of 15 days, the borrower
may escalate the matter to Principal Nodal Officer, Punjab National Bank, Customer
Care Division, Head Office, Sector 10 Dwarka, New Delhi 110075.

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PUNJAB NATIONAL BANK RBD (A) CIRCULAR 05 /2018

RETAIL BANKING DIVISION (ADVANCES)

RETAIL BANKING DIVISION (ADVANCES) CIRCULAR NO. 05/2018

facilities along with the application form to the customer.

Service Committee of Board has advised to incorporate the clause of

INDEX: Miscellaneous (Loan application forms)

e) Is Student Married (please tick) Married Unmarried

9. What the Student at present

11.Particulars of Scholarships / Prizes won for academic distinction, if any

15. Father’s/Husband’s Name

23. a) Age yrs b) Date of Birth dd/mm/yyyy)*:

26 Details of Education Loan(s), if any, already

availed for the student or any member(s) of the family

or other financial assistance

F Total Amount required {F=D-E(v)}

29 A Details of collateral securities offered, if

30 Whether related to Chairman/ Directors/

32. It is declared that:

Received application from Mr/Ms/M/S _______________________________ R/O/Office at

(Seal of the Receiving Branch)

c. Permanent Address _______________________________________________________

7B. Category _______________________________________________________

9. Is he/she is an Income-tax payer? _______________________________________________________

16.A. Whether related to Chairman/ Directors/

(Signature and name of Guarantor)

Retail Banking Division (Advances)

a. Non-payment of any installment of principal and/or interest, costs and other

g. Any other case as the Bank may deem fit.

mentioned in the Sanctioned Letter.

8. Grievance Redressal: There can be instances where the Borrower is not

downloaded through Google Playstore) or through Internet Banking/ Mobile Banking

Reference no.: _____________ Recent Photograph Recent Photograph

Undergraduate Graduate PG Undergraduate Graduate PG

dependents in the household

Residential Address Applicant Co-Applicant

City: State: City: State:

Pin: Country: Pin: Country:

City: State: City: State:

Pin: Country: Pin: Country:

CA Doctor Engineer/Architect Lawyer CA Doctor Engineer/Architect Lawyer

Total Employment/ Business Period Years Months Years Months

Date of Retirement (If salaried) Years Months Years Months

Pin: Country: Pin: Country:

Spouse's financial information*

A/c No. (details of salary a/c. for

Statement of Assets and Liabilities*

Proposed Loan Details

Type of collateral Property NSC/LIC Policy/Govt. Security Shares Others

Guarantor Available Yes No If yes, then furnish details in Part II

Pending court cases of Banks/Financial Institutions Yes No

City: State: City: State:

Pin: Country: Pin: Country:

Name of Applicant: _______________________________________ Name of Co-Applicant: ____________________________________

Received application from Mr/Ms/M/S _______________________________ R/O/Office at _______________________________________________________________ for a ______________

Name & Address of the seller(s) /dealer/Housing Society to whom the

3. Covered area of house/flat

The price at which the house/flat is proposed to be purchased (Attach

letter of authority from the lessor be attached)

Personal and Employment Details

City: State: City: State:

Pin: Country: Pin: Country:

Is he/she an Income tax payee Yes No

Statement of Assets and Liabilities*

Name of Applicant: ___ Name of Co-Applicant:

Received application from Mr/Ms/M/S _ R/O/Office at ___________________ for a

PNB Score ID :_____________Score_

Branch Office: Date of Application:_____

Designation Since: .

Total Annual Income (`)* Gross Net: ____.

Total Annual Income (`)* Gross: . Net.

_ (Name of the Vehicle) from ______________