Approval sheet for DHRUB NATH PANDEY

Credit Approval format for PL customers (for approvals

taken on mail)

Particulars Remarks
Customer Details MTRL
Name DHRUB NATH PANDEY
Date of Birth 3/5/1970
APP NO. SPLUD005067

Deviation/Exception - DVCBL & AMOUNT RATIFICATION

Particulars Remarks
Residence Details with complete CPV comments like

Residence owned or rented, no of years of stay, living FI Positive- Appl is residing in self owned house from the
standard etc family member,earning member- self, averagely maintain
middle class locality,resi area is 75 sq yard, double stor
rooms & ext-int. condition- pukka & without pai

Employment Details with complete CPV comments like

FI Positive :- Appl claim he is prop. in Kailash Enterprise

Designation, no of employees, type of business/company, no years but at given address from last 2 years only. Busines
of years in job/business, activity, market reputation etc rented, stock seen approx. of 1.5 lac, medium activity .
business is trading of welding material and electrical goo
Santro car financed from ICICI.

Assets owned
Consumer durables Ctv,Fridge,Music system
Vehicles Car,Bike

Type of Bank account Saving a/c SB&CA CB&P&SB

CA/SA/OD account, age of the account, average balance, if

having a CC or OD limit ,what is the limit and how much is
exhausted Appl has banking in CORPORATION BANK, bank statements
attached in file and also in PUNJAB & SIND BANK with cash c
5 lac , bank statements from Jan,07. is attached in file. WA
Credit card details

Type of card, what is the limit and how much is utilised

App. is having HDFC credit card, sanction amount is Rs 13570, current balance

CIBIL: Positive/Negative Negative

 TVR Status-Positive/Negative Positive
What kind of phone connection- Mobile, landline, WLL etc
Who was spoken to
Any critical information to be mentioned Applicant having a Wll phone at resi.Bill attached in file.T

RCU Status-Recommended/referred/Not Recommended

CPV Status
Resi CPV (Positive/ Negative) Positive
Off CPV (Positive/ Negative) Positive

Income Details
Annual verifiabIe income 2,55,396 PA as per ITR(2006-2007)
Monthly stated income
Other sources of income and the proof of same

Personal Interview status Positive

Other Loans from the market Bank LoanType Amount
ICICI AL
GE PL 70K
Give detail on asset, loan amount, tenure, emi , POS and
tenure left

Documents provided
Bank Statements Yes
Previous track record NO
Photo ID Proof Pan Card,DL
Elec. Bill, WLL
Address Proof bill
ITR, Profit & Loss
Income proof account
Remarks

Approval Loan parameters requested

Loan amount 160000
EMI 7698
Tenor 36
Debt Burden (as %)
 Start of VLCC
business,buying
END USE stock.
NDEY

RUB NATH PANDEY

AMOUNT RATIFICATION

ing in self owned house from the last 4 yrs, 4

member- self, averagely maintained house in
si area is 75 sq yard, double storey having 5
t. condition- pukka & without paint.

he is prop. in Kailash Enterprises from last 8

s from last 2 years only. Business permises is
prox. of 1.5 lac, medium activity . Nature of
lding material and electrical goods. appl has
o car financed from ICICI.

tv,Fridge,Music system
Car,Bike

CB&P&SB 005649 & 305

ORATION BANK, bank statements from Jul,07is

PUNJAB & SIND BANK with cash credit limit of Rs
from Jan,07. is attached in file. WABB-18794

mount is Rs 13570, current balance & amount overdue is Rs 11423.

Negative
 Positive

phone at resi.Bill attached in file.Tvr positive.

6 PA as per ITR(2006-2007)

Positive
Emi Cleared/Tenor
7200 2 MOB
2425 30 paid of 36
953.25