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    Loan Application Appraisal Note

    Uploaded by

    dhanmad
    The document summarizes a loan application from two women's self-help groups in Parali Kalanjia, Beed seeking a total of Rs. 15,00,000. It notes that the groups have 10 and 13 members respectively with regular savings and timely loan repayment. However, the application is denied as the amount requested exceeds policy limits, and members are asked to provide additional construction details and utilization certificates after project completion.

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    © All Rights Reserved
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    Loan Application Appraisal Note

    Uploaded by

    dhanmad
    50 views4 pages
    The document summarizes a loan application from two women's self-help groups in Parali Kalanjia, Beed seeking a total of Rs. 15,00,000. It notes that the groups have 10 and 13 members respectively with regular savings and timely loan repayment. However, the application is denied as the amount requested exceeds policy limits, and members are asked to provide additional construction details and utilization certificates after project completion.

    Original Description:

    Appraisal for house loan

    Original Title

    Loan Application Appraisal Note (2)

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    The document summarizes a loan application from two women's self-help groups in Parali Kalanjia, Beed seeking a total of Rs. 15,00,000. It notes that the groups have 10 and 13 members respectively with regular savings and timely loan repayment. However, the application is denied as the amount requested exceeds policy limits, and members are asked to provide additional construction details and utilization certificates after project completion.

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
    Download as docx, pdf, or txt
    50 views4 pages

    Loan Application Appraisal Note

    Uploaded by

    dhanmad
    The document summarizes a loan application from two women's self-help groups in Parali Kalanjia, Beed seeking a total of Rs. 15,00,000. It notes that the groups have 10 and 13 members respectively with regular savings and timely loan repayment. However, the application is denied as the amount requested exceeds policy limits, and members are asked to provide additional construction details and utilization certificates after project completion.

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
    Download as docx, pdf, or txt
    You are on page 1of 4

    Loan Application Appraisal Note

    1. Group Basic Details:


    Name of the Group Janabai Mahila Kalanjiam (3050015) DoF : 10/09/2016 No. of members: 10
    Location / Region Parali Kalanjia Loksanchalit Sadhan Kendra, Beed
    Amount Requested Rs. 15,00,000/- Sanctioned : Rs. 6,00,000/-
    Group Savings Savings Rs.87,767/- and Loan O/s Rs.50,000/- FD - Gen Fund: Rs. 11,361/-
    Repayment Status Linkage : Repayment trend:
    Recommended by Filed Visit made by Mr. Nithin RC and recommended by Mr. Sivanandan
    2. Member Loan details:
    Memb Cost of Member
    Sl.N Loan Loan
    Name of the Member Purpose er Construct Contributi Sources
    o O/s Request
    Savings ion on
    New
    1 GEETABAI PARASRAM 8,931 25,000 400000 60000 340000 Own
    House
    New
    2 BAINABAI BANCE 7,990 25,000 500000 60000 440000 Own
    House
    New
    3 SEETABAI GANPU 8,745 - 400000 60000 340000 Own
    House
    New
    4 VAIJINTA BAPURAO 8,745 - 500000 60000 440000 Own
    House
    New
    5 RAJIBAI GOPINATH 8,745 - 480000 60000 410000 Own
    House
    New
    6 AASHA KISHAN CHAVAN 8,931 - 500000 60000 440000 Own
    House
    New
    7 GANGUBAI KISAN 8,745 - 500000 60000 440000 Own
    House
    New
    8 MUKTTA RATAN PAWAR 8,745 - 600000 60000 540000 Own
    House
    New
    9 SANGEETA SUBHAS 8,745 - 450000 60000 390000 Own
    House
    New
    10 KAMAL UTTAM RATHOD 8,745 - 500000 60000 440000 Own
    House
    All are attached proof of construction photo with copy of the Patta. Member’s loan vs. Savings 1:6 and
    they promised us to increase savings as 1:5. Each member requested Rs.150000/- and total amount or
    Rs.15,00,000/- which against our policy so they eligible only Rs.600,000/-. Construction details and source
    of the fund are not clear and we asked them to give after construction with UC.
    Encl: 1. Membership Application
    2. Loan Application with KYC, Copy of Resolution, Bank A/c Statement Member Confirmation,
    3. Individual Member loan request Letter with their construction photo and documents.
    Loan Application Appraisal Note

    3. Group Basic Details:


    Name of the Group Adarsh Mahila Kalanjiam Bachat Gat(3050015) DoF : 10/09/2016 No. of members: 13
    Location / Region Parali Kalanjia Loksanchalit Sadhan Kendra, Beed
    Group Savings savings Rs.1,03591/- and Loan O/s Rs.61,738/- GF: Rs. 24,314/-
    Amount Requested Rs. 19,50,000/- Sanctioned : Rs. 6,00,000/-
    Repayment Status Linkage : Repayment trend:
    Recommended by Filed Visit made by Mr. Nithin RC and recommended by Mr. Sivanandan
    4. Member Loan details:
    Memb Cost of Member
    Sl.N Loan Loan
    Name of the Member Purpose er Construct Contributi Sources
    o O/s Request
    Savings ion on

    1 PUJA BABASAHEB NH 7,833 4459 400000 60000 250000 Own

    2 CHAKUBAI RANJIT NH 8,134 4500 450000 60000 390000 Own

    3 YASHODA HARIBHAU NH 7,833 10532 400000 60000 340000 Own

    60000
    4 ASHA AANAD NH 7,933 7000 430000 370000 Own

    60000
    5 KEVALBAI MANOHAR NH 7,833 4200 510000 450000 Own

    60000
    6 MANISHA MAHADEV NH 8,137 6808 480000 Own

    60000
    7 AMARAPALI GAUTAM NH 7,833 3780 550000 Own

    60000
    8 KIRAN LIMBAJI NH 8,034 500 430000 Own

    60000
    9 GAJARABAI MURLIDHAR NH 7,834 1959 500000 Own

    60000
    10 SHOBHA BHASKAR NH 8,034 3500 400000 Own
    60000
    11 PUNAMPRASHANT NH 8,034 3000 600000

    VANDANA RAJEBHAU 60000


    12 NH 7,085 10500
    GAKGWAD

    BHIMABAIBHASKAR
    13 NH 8,034 1000 60000
    MUNDE

    All are attached proof of construction photo with copy of the Patta. Member’s loan vs. Savings 1:6 and
    they promised us to increase savings as 1:5. Each member requested Rs.150000/- and total amount or
    Rs.15,00,000/- which against our policy so they eligible only Rs.600,000/-. Construction details and source
    of the fund are not clear and we asked them to give after construction with UC.
    Encl: 1. Membership Application
    2. Loan Application with KYC, Copy of Resolution, Bank A/c Statement Member Confirmation,
    3. Individual Member loan request Letter with their construction photo and documents
    Notes for the Loan application Appraisal

    S.No Particulars WHO Deliverable What we should do


    1 Constitute at the regional Team Appraisal note by Prepare the format
    level, the team comprising of Constitution: Reg Coordinator
    Reg Coordinator, Community Sivanandan
    Accountant, Block Integrator,
    PSDB staff, Regional Council
    member,
    2 Program advice note on the Pandiselvi Recommendation Format to be prepared
    status of group ( Fund/
    Performance / Linkage
    efficiency)
    3 Saving and Loan relationship
    (Ratio)
    4 Forms used for Loan Sep 6
    Application: Review
    5 Support from Mainstream Bankers / Rc
    6 Timeline for sanction of loans
    7 Source of fund and the
    interest rate ( leakage )
    8 Feasibility of Cash credit in
    Housing loan
    9 Region Level orientation of
    Housing

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