Acknowledgement

(To be handed over to SHG after submission of the Application Form)

Received the following Application form for loan

Name Of SHG VASHNO SWAYAM SAHAYATA SAMUH (632433-31)

District-SAHARANPUR, Grampanchayat-CHANDPUR KAYAST, Village-

Address
AMARPURNAYAN

Application No UP/632433-31/2123132

Savings Account No 29400110054857

Date of Receipt of Hard Copy of

16-07-2024
Application by branch

(Signature)
Branch: DEOBAND
Bank Name: UCO BANK
Date: 16-07-2024

Bank's Name & Logo

Form No For official use only

Bank UCO BANK Customer Id

Branch DEOBAND Loan A/C no

SB Account No. 29400110054857 Cash Credit

Loan type(CCl/TL)
Term Loan

Product Code

Date of Sanction

Sanction Amount in RS.

Loan Terms(in case of Term Loan)

 Self Help Group Loan Application Form

Name of the SHG VASHNO SWAYAM SAHAYATA SAMUH (632433-31)

Date of Formation 02-08-2021 Number of SHG members 6

District-SAHARANPUR, Grampanchayat-CHANDPUR KAYAST, Village-

Address
AMARPURNAYAN

SB A/C No 29400110054857

Loan A/c No (if any)

Supporting Agency (if

NRLM
any)

Application for Loan

Fresh
Cycle

To:
The Branch Manager
UCO BANK
DEOBAND

Dear Madam/Sir,

Sub:-Application for credit linkage

Affix Passport Affix Passport size Affix Passport size

size photo photograph photograph

Name: SANJO Name:RAJNI DEVI Name:RANI

Designation :President Designation :Secretary Designation :Treasurer

Address : District-SAHARANPUR, Address : District-SAHARANPUR, Address : District-SAHARANPUR,

Grampanchayat-CHANDPUR Grampanchayat-CHANDPUR Grampanchayat-CHANDPUR
KAYAST, Village-AMARPURNAYAN KAYAST, Village-AMARPURNAYAN KAYAST, Village-AMARPURNAYAN

Mobile :7088557132 Mobile :8700025582 Mobile :9758518503

Saving Bank A/c No.: Saving Bank A/c No.: Saving Bank A/c No.:
 1. We, the duly authorized representatives of VASHNO SWAYAM SAHAYATA SAMUH (632433-31) District-
SAHARANPUR, Grampanchayat-CHANDPUR KAYAST, Village-AMARPURNAYAN hereby apply for a loan
aggregating Rs 600000 ( six hundred thousand only ) hereby apply by way of Cash Credit(CC)/Term Loan(TL) for
on-lending to our members. A copy of resolution taken by our Self Help Group in this regard is attached.

2. A copy of the member-wise requirement of loan is enclosed (Compulsory from 3rd linkage onwards)

3. We agree to repay the Term Loan loan amount as per the repayment schedule which may be fixed by the Bank.
or/and
We agree to operate the Cash Credit account satisfactorily and within the limit and shall repay the interest
charged in the Cash Credit account from time to time or on demand without demur as per the terms and
conditions stipulated by Bank.

4. A copy of the Inter-se Agreement executed by all the members of the group authorizing us inter alia to borrow on
behalf of the SHG is enclosed.

5. We hereby declare that the particulars given above are true and correct to the best of our knowledge and belief.

6. We hereby authorize the Bank to disclose all or any particulars or details or information relating to our loan
accounts with the Bank, to any other financial institution including NABARD, Government or any agency as may
be considered necessary or desirable by the Bank. It will be in order for the Bank to disqualify the SHG from
receiving any credit facilities from the Bank and or recall the entire loan amount or any part thereof granted on
this application, if any of the information pertaining to the group, furnished herewith is found incorrect and/or
containing misrepresentation of facts.

7. We undertake that the Credit Information Bureau (India)Ltd. and any other agency so authorized may use,
process the said particulars disclosed by the Bank in the manner as deemed fit by them and I/We shall not raise
any dispute in whatsoever manner regarding information/details furnished/to be furnished to CIBIL/other
authorities and same is binding on me/us.

8. A copy of the financial status of our SHG as on 12-06-2024 is attached.

Yours faithfully,

SANJO RAJNI DEVI RANI

(President) (Secretary) (Treasurer)

[Signature of Authorized Representatives of SHG with Seal]

Resolution by SHG for taking loan from bank

Name of SHG: VASHNO SWAYAM SAHAYATA SAMUH (632433-31)

Address: District-SAHARANPUR, Grampanchayat-CHANDPUR KAYAST, Village-
AMARPURNAYAN
Date of Formation: 02-08-2021
Name of Facilitating Agency:
Total no of Members: 6
NRLM

Resolution of taking loan from bank

Today on 30-05-2024 at the meeting of VASHNO SWAYAM SAHAYATA SAMUH (632433-31) at District-SAHARANPUR,
Grampanchayat-CHANDPUR KAYAST, Village-AMARPURNAYAN in presence of all its members, it is resolved that our
VASHNO SWAYAM SAHAYATA SAMUH (632433-31) will seek loan of Rs. 600000(six hundred thousand Rupees only)
from UCO BANK . It has also been further resolved that

Shri/Smt.SANJO, ( President )
Shri/Smt.RAJNI DEVI, ( Secretary )
Shri/Smt.RANI, ( Treasurer )

will sign all the necessary document related to the loan application to bank on behalf of the VASHNO SWAYAM
SAHAYATA SAMUH (632433-31). We also authorize them to execute the acknowledge of debts as may be required by
the Bank.

We all members hereby agree to the above decision.

SHG
No. Member Father/Husband Gender Occupation Signature/Thumb impression
Name

1 SANJO SANDEEP F

RAJNI
2 MISTER F
DEVI

3 RANI SUNIL F

4 OMVATI NITTAR PAL F

5 OMVATI KANVARPAL F

6 SURESHO RAJBEER F
 Name: SANJO Name: RAJNI DEVI Name: RANI
(Designation President) (Designation Secretary) (Designation Treasurer)

Details of Member

Seal of Self Help Group

Details of Member wise Loan Requirement (As per Micro Credit Plan)

(Compulsory from 3rd credit linkage onwards)

Name of SHG: VASHNO SWAYAM SAHAYATA SAMUH (632433-31)

Address: District-SAHARANPUR, Grampanchayat-CHANDPUR KAYAST, Village-AMARPURNAYAN
Date of Formation: 02-08-2021
Total no of Members: 6

Member-wise details of proposed investment, sources of fund & resultant Net Surplus of the family

Total Annual Incom Annual net inc Annual repayme

Nam Amount of Total An Annu Pr
Purpose e from various sour ome before rep nt for the propos
N e of loan Requi nual Ex al Sur io
of invest ces:-IGAs, Wages, Gr ayment of loan ed loan & existin
o. mem red from S penditu plus rit
ment ants from Govt. etc. installment (R g loan, if any (R
ber* HG (Rs.) re (Rs.) (Rs.) y
(Rs) s.) s.)

CS-Other
SANJ consum
1 100000 58000.0 38000.0 20000.0 20000.0 0.0 1
O ptions ac
tivities

CS-Other
RAJN
consum
2 I DEV 100000 52000.0 32000.0 20000.0 20000.0 0.0 2
ptions ac
I
tivities

CS-Other
consum
3 RANI 100000 50000.0 30000.0 20000.0 20000.0 0.0 3
ptions ac
tivities

CS-Other
OMV consum
4 100000 54000.0 34000.0 20000.0 20000.0 0.0 5
ATI ptions ac
tivities

5 OMV CS-Other 100000 52000.0 32000.0 20000.0 20000.0 0.0 4

ATI consum
 Total Annual Incom Annual net inc Annual repayme
Nam Amount of Total An Annu Pr
Purpose e from various sour ome before rep nt for the propos
N e of loan Requi nual Ex al Sur io
of invest ces:-IGAs, Wages, Gr ayment of loan ed loan & existin
o. mem red from S penditu plus rit
ment ants from Govt. etc. installment (R g loan, if any (R
ber* HG (Rs.) re (Rs.) (Rs.) y
(Rs) s.) s.)
ptions ac
tivities

CS-Other
SURE consum
6 100000 55000.0 35000.0 20000.0 20000.0 0.0 6
SHO ptions ac
tivities

Total Loan Amount

Required (as per M 600000
CP)

Total Loan Sanction

600000
ed Limit Requested

INTER-SE AGREEMENT TO BE EXECUTED BY THE MEMBERS OF

THE SELF HELP GROUP

This Agreement made on 16-07-2024 Between

Sl.No. Member Name Name Of Father/Husband Gender Age

1 SANJO SANDEEP F 01-01-1986

2 RAJNI DEVI MISTER F 01-01-1981

3 RANI SUNIL F 01-01-1992

4 OMVATI NITTAR PAL F 01-01-1967

5 OMVATI KANVARPAL F 01-01-1966

6 SURESHO RAJBEER F 01-01-1976

who are members of the VASHNO SWAYAM SAHAYATA SAMUH (632433-31) group, hereinafter referred to collectively
as "The Self Help Group (SHG) Members " which expression shall, unless repugnant to the context or meaning, include
every members of the said SHG and their respective legal heirs executors and administrators.

WHEREAS all SHG members are residents of District-SAHARANPUR, Grampanchayat-CHANDPUR KAYAST, Village-
AMARPURNAYAN and are known to each other.
WHEREAS the SHG members above named have joined voluntarily together and formed the SHG with intent to carry
on savings and credit and other economic activities for mutual benefit subject to the terms and conditions hereinafter
appearing:

NOW THEREFORE THIS AGREEMENT WITNESSETH THAT :-

1. Each member of the SHG shall save a sum of Rs.100 (one hundred Rupees only) or such sum as may be decided
by the Group, on (weekly fortnightly/monthly) basis during the scheduled SHG meeting. The accumulated corpus
of the SHG shall be given on loan to members based on their need and recovered along with interest as decided
by the SHG members.

2. The SHG will take the responsibility for maintaining appropriate books of accounts to ensure transparency in
transaction among SHG members

3. Each member shall strive for the success of the SHG and shall not act in any manner detrimental to the business
interests of the SHG.

4. The SHG members shall be jointly and severally liable for all the debts contracted by the SHG.

5. All assets and goods acquired by the SHG shall be in the joint ownership of all the members of the SHG and shall
ordinarily be in the constructive custody of such member as may be authorized by the Group and shall be kept at
the place of business at District-SAHARANPUR, Grampanchayat-CHANDPUR KAYAST, Village-
AMARPURNAYAN which shall not be changed without consent of the SHG members.

6. The SHG members hereby duly elect and appoint

SANJO ( President )

RAJNI DEVI ( Secretary )

RANI ( Treasurer )
to look after and manage the day to day affairs of the SHG's activities and also act in the name of the SHG all
matters relating thereto. The authorized representatives, may however, be removed at any time by majority vote
of the members and new representatives elected.

7. Each of the SHG members hereby agrees to abide by and ratify all such act, deeds and things as the authorized
representatives may do in the interest of the said activities.

8. The authorized representatives shall take decisions in the day to day working of the SHG and each representative
shall actively involve herself and co-operate in looking after the day-to-day affairs of the SHG activities in
particular to attend to the following activities. - Every member of the SHG hereby authorizes the representatives
to apply for the loan on behalf of the SHG and execute necessary agreements/documents on behalf of the SHG for
the purpose. The authorized representative may collect loan amounts from the bank on behalf of SHG, deposit
the same in the savings account of the SHG in case of Term Loans for on-lending to members in accordance with
the decision of the SHG and also deposit recovery of loan installment from members in the loan account/s of SHG
with the bank.

9. The SHG members hereby specifically authorize the representatives:-

I. To open Savings, Fixed Deposits and other accounts in DEOBAND Branch of UCO BANK Bank approved by
the SHG and operate the same under the joint signature of any two of the following authorized
representatives:

SANJO ( President )

RAJNI DEVI ( Secretary )

RANI ( Treasurer )
 II. To keep or cause to be kept proper books of accounts of the savings, made by the SHG Members, loans
granted to them and the recoveries made from them and render every year thefull accounts to the SHG
members for their approval and adoption;

III. To receive all payments due to the SHG and issue requisite receipts or acknowledgments for and on behalf
of the SHG;

IV. To institute and defend on behalf of the SHG members any legal proceedings and safeguard the interests of
each member of the said SHG and for this purpose engage or disengage any lawyer or advocate or agent
and incur the necessary legal expenses in connection therewith.

10. In the event of death of any of the members of the SHG, his/her legal heirs shall be entitled or the benefits and be
liable for the obligations of the deceased member under this agreement.

11. It is agreed that no new person shall be inducted as a member of the SHG without consent of all the existing
members.

IN WITNESS WHEREOF the aforesaid members of the SHG have set their respective hands hereunto at the place
District-SAHARANPUR, Grampanchayat-CHANDPUR KAYAST, Village-AMARPURNAYAN and on 16-07-2024 first
herein appearing.

No. Name of member of the SHG Signatures/Thumb of the impression

1 SANJO

2 RAJNI DEVI

3 RANI

4 OMVATI

5 OMVATI
 No. Name of member of the SHG Signatures/Thumb of the impression

6 SURESHO

WITNESSES:-

1:

2:

(Note: The SHG shall not consist more than 6 persons.)

Expenditure Income

Particulars Amount Particulars Amount

1. Payment to Book Keeper 0 1. Membership fee 0

2. TA/DA 0 2. Interest Income 0

3. Stationary and other expenditures 0 3. Penalties 0

4. Bank Charges 0 4. Resource fee/ Service charges received 0

5. Insurance Premium 0 5. Interest received from Bank 0

6. Honorarium to community cadre 0 6. Interest Subvention received 0

7.(a) Interest paid to VO/CLF 0 7. Other Incomes 0

7.(b) Interest paid to Bank 0

7.(c) Interest paid to Others 0

8. Other Expenditure 0

TOTAL 0 TOTAL 0
Balance sheet as on 12-06-2024

Liability Assets

Particulars Amount Particulars Amount

1. Savings of Members 17600 1. Cash in Hand 1200

2.(a) Loan outstanding VO/CLF 110000 2. Deposit with Bank 18200

2.(b) Loan outstanding Bank 0 3.(a) Bank Loans Outstanding at Members 0

2.(c) Loan outstanding Others 0 3.(b) VO/CLF Loans Outstanding at Members 112000

3.(a) Grants - Revolving Fund 15000 3.(c) Other Loans Outstanding at Members 13700

3.(b) Grants - Startup cost 2500 4. Savings/ Deposits with VO/CLF 0

3.(c) Grant -(Awards Received) 0

3.(d) Other Grants 0

TOTAL 145100 TOTAL 145100

 Details of Corpus

Particulars Amount (Rs)

Total Savings of members: 17600

Total interest and other incomes: 0

Revolving Fund/ Grant Assistance received from project/ department/ other agencies 17500

Other Receipts (Specify ___________________)

Total 35100

(Amount in Words thirty-five thousand one hundred .)

We certify that the above statement is true and can be verified from the books of accounts maintained by our Self
Help Group.

SANJO RAJNI DEVI RANI

(President) (Secretary) (Treasurer)

For Official Use Only

Format 1: SHG Grading format for Fresh Linkage(( Term loan and CCL/DL))

A.Basic Information:-
Name of SHG: VASHNO SWAYAM SAHAYATA SAMUH (632433-31)
Address: District-SAHARANPUR, Grampanchayat-CHANDPUR KAYAST, Village-AMARPURNAYAN
Date of formation of the SHG: 02-08-2021
Date of opening of Bank S/B A/C: 28-10-2021
Period considered for Grading: From 02-08-2021 to 12-06-2024 .
B.Details of Grading /Evaluation Exercise: (Usually last 6 months)
Allotted Marks
S.no. Indicator Formula for determining Marks
Marks obtained

1 Regularity of Meeting:

No. of meetings held X10

Regularity of holding
(a) 10
meetings by SHG
No. of meetings required to be held as per rule of SHG

Regularity of Average no. of members attended the meetings X10

(b) Attendance of members 10
in the meetings Total no. of members of the SHG

Amount of savings deposited by the members X 10

Regularity of Savings
2 10
by members Amount of savings required to be deposited as per rule
of SHG

More than 1.5 :- 20

*Velocity of Lending to More than 1.0 up to 1.5 :- 15
3 members from Group 20 More than 0.5 up to 1.0 :- 10
Corpus More than 0.2 up to 0.5 :- 5
Up to 0.2 :- 0

Regularity in Amount of recovery against Demand X 20

4 Repayment of loan by 20 Amount of Demand (required to be paid as per
members repayment schedule)

5 Updated Record keeping:

(a) Resolution Book 4

(b) Cash Book 8

(c) Savings Ledger 4 Maintained up to date :- Maintained

Maintained , but not up to date :- Half Marks
(d) Loan Ledger 4 Not maintained :- 0 (no Mark)

(e) General Ledger 6

(f) Individual Pass Book 6

Total 100

Amount lent to the members from Group Corpus

*Velocity of lending from Group Corpus=
Average amount of Group Corpus

A Grade: 80 or more marks

B Grade: 70-79 marks
C Grade: 60-69 marks
D Grade: less than 60 marks

Only A & B graded SHGs are to be considered for credit linkage

 Format 2: SHG Grading format for Repeat Linkage (Cash Creedit/Demand Loan)

A.Basic Information:-
Name of SHG: VASHNO SWAYAM SAHAYATA SAMUH (632433-31)
Address: District-SAHARANPUR, Grampanchayat-CHANDPUR KAYAST, Village-AMARPURNAYAN
Date of formation of the SHG: 02-08-2021
Date of first/previous credit linkage ____________ and Loan A/C No
Period considered for Grading: From 02-08-2021 to 12-06-2024 .
B.Details of Grading /Evaluation Exercise: (Usually last12 months)

Allotted Marks
S.No. Indicator Formula for determining Marks
Marks obtained

1 Regularity of Meeting:

No. of meetings held X10

Regularity of holding
(a) 5 No. of meetings required to be held as per rule of
meetings by SHG
SHG

Average no. of members attended the meetings

Regularity of Attendance of
(b) 5 X10
members in the meetings
Total no. of members of the SHG

Amount of savings deposited by the members X 10

Regularity of Savings by
2 10 Amount of savings required to be deposited as per
members
rule of SHG

More than 1.5 :- 10

More than 1.0 up to 1.5 :- 7
*Velocity of Lending to
3 10 More than 0.5 up to 1.0 :- 5
members from Group Corpus
More than 0.2 up to 0.5 :- 2
Up to 02 :- 0

Amount of recovery against Demand X 10

Regularity in Repayment of
4 10 Amount of Demand (required to be paid as per
loan by members
repayment schedule)

5 Updated Record keeping:

(a) Meeting Resolution Book 2

(b) Cash Book 2

Maintained up to date :- Full marks
(c) Savings Ledger 2
Maintained , but not up to date :- Half Marks
Not maintained :- 0 (no
(d) Loan Ledger 2
Mark)
(e) Individual Pass Book 2

(f) Total 10

6 Operations in Cash Credit A/c and Credit history:

i) 12 or more :- 20
a) Number of transactions in
last 12 months ( Debits other 20 ii) 6 to less than 11 :- 10
than interest + Credits)
iii) Less than 6 :- 5

b) No of months (during last 20 i) All 12 months :- 20

12 months)in which interest
served on time ii) 6 to 11 months :- 10
 iii) Less than 6 months :- 5

i) Never :- 10
c) Occasions of overdrawing
inCC A/c due to charging of
10 ii) On 2 occasions :- 5
interest etc. during last 12
months
ii) On 2 occasions :- 5

Total 100

Amountlent to the members from Group Corpus

*Velocity of lending from Group Corpus=
Average amount of Group Corpus

A Grade: 80 or more marks

B Grade: 70-79 marks
C Grade: 60-69 marks
D Grade: less than 60 marks

Only A & B graded SHGs are to be considered for enhancement of CC/DL limit

Format 2: SHG Grading format for Repeat Linkage (Term Loan)

C.Basic Information:-
Name of the SHG: VASHNO SWAYAM SAHAYATA SAMUH (632433-31)
Address: District-SAHARANPUR, Grampanchayat-CHANDPUR KAYAST, Village-AMARPURNAYAN
Date of formation of the SHG: 02-08-2021
Date of first/previous credit linkage ____________ and Loan A/C No
Period considered for Grading: From 02-08-2021 to 12-06-2024 .
D. Details of Grading /Evaluation Exercise:: (Usually last12 months)
Allotted Marks
S.No. Indicator Formula for determining Marks
Marks obtained

1 Regularity of Meeting:

No. of meetings held X10

Regularity of holding meetings
(a) 5 No. of meetings required to be held as per rule of
by SHG
SHG

Average no. of members attended the meetings

Regularity of Attendance of
(b) 5 X10
members in the meetings
Total no. of members of the SHG

Amount of savings deposited by the members X

Regularity of Savings by 10
2 10
members Amount of savings required to be deposited as
per rule of SHG

More than 1.5 :- 10

More than 1.0 up to 1.5 :- 7
*Velocity of Lending to
3 10 More than 0.5 up to 1.0 :- 5
members from Group Corpus
More than 0.2 up to 0.5 :- 2
Up to 02 :- 0

Amount of recovery against Demand X 10

Regularity in Repayment of
4 10 Amount of Demand (required to be paid as per
loan by members
repayment schedule)

5 Updated Record keeping:

(a) Meeting Resolution Book 2

(b) Cash Book 2

Maintained up to date :- Full
marks
(c) Savings Ledger 2
Maintained , but not up to date :- Half
Marks
(d) Loan Ledger 2
Not maintained :- 0 (no
Mark)
(e) Individual Pass Book 2

(f) Total 10

6 Operations in Term Loan A/c and Credit history:

i) All due installments on time :-25

ii) Paid 75% of due installments on time :-15

a) Repayment of Term Loan in
25
last 12 months
iii) Paid less than 50% of due 5 installments on 5
timee :-
installmentsontime :-

c) Occasions of overdues in 25 i) Never :- 25

Term Loan A/c due to charging
 of interest etc. and not timely
ii) On 3 occasions :- 15
repaid during last 6 months
iii) On less than 3 occassions :-5

Total 100

Amountlent to the members from Group Corpus

*Velocity of lending from Group Corpus=
Average amount of Group Corpus

A Grade: 80 or more marks

B Grade: 70-79 marks
C Grade: 60-69 marks
D Grade: less than 60 marks

Only A & B graded SHGs are to be considered for enhancement/sanction of next dose of term loan

ARTICLES OF LOAN AGREEMENT FOR USE BY BANKS

WHILE FINANCING SELF-HELP GROUPS

The Articles of Agreement made on this __________________________ day of ___________________ at

________________________ By and Between M/s VASHNO SWAYAM SAHAYATA SAMUH (632433-31) an unregistered

association of persons/individuals having its office at _________________________________________________________________

represented by its authorized representative Shri/Smt. SANJO President Shri/Smt. RAJNI DEVI Secratery and

Shri/Smt. RANI Treasurer (Designation who are fully authorized by all the members of the SHG, ( a copy of such

Authorization is annexed hereto and forms part of this agreement),

hereinafter referred to as the "Borrower" which expression shall unless repugnant to the subject or context thereof,

mean and include members of the unregistered association for the time being, their respective successors, legal heirs,

administrators and assigns of the one part and UCO BANK a body corporate constituted under the

___________________________________ Act, having its Head Office at ___________________________________ and the

Branches, inter-alia, one at ___________________________________ here in after called "the Bank" which expression shall

unless repugnant to the subject or context thereof mean and include its successors and assignees of the second part.

Whereas the borrower is an unregistered association of persons who have inter-se agreed to help each other as self-

help group with a view to developing and ameliorating the socio-economic conditions of their members.

Whereas having formed the association as a Self Help Group, the Borrower as per application dated

___________________________________ made by the said Shri/Smt. SANJO President Shri/Smt. RAJNI

DEVI Secratery and Shri/Smt. RANI Treasurer (Designation, duly authorized to borrow in terms of its
resolution dated __________________ [copy enclosed] requested the Bank to *grant a Term Loan/extend Cash Credit

facility* of Rs. __________________ up to the limit of Rs. __________________ (Rupees ______________________________

only) for on-lending to its members.And whereas the Bank has agreed to grant the * Term Loan /extend Cash Credit

facility* to the borrower on certain terms and conditions.(* deleted whichever is not applicable)And whereas the

Bank and the borrower are desirous of reducing the agreed terms into writing.Now, therefore, this agreement

witnesses as follows:

1. The Bank has agreed to grant and the borrower has agreed to borrow by way of Term Loan Cash / Credit (clean) up
to the limit of Rs _________________________ (Rupees ______________________________ only) and the Bank has opened
(SPECIFY THE KIND OF LOAN ACCOUNT) ______________________________ A/C No ______________________________ of date
______________________________ in the name of the Borrower in its book of accounts.

2. *In case the facility availed is Cash Credit the Borrowers will operate the Cash Credit account satisfactorily and
within the limit and the Borrower shall repay the interest charged in the Cash Credit account from time to time or on
demand without demur.

3. *In case loan availed is Demand Loan, without prejudice to the right of the Bank to recall the loan on demand the
Borrower undertakes to repay the loan with interest and other within the period stipulated in terms of sanction.

4. *In case the credit facility availed of by the borrower is a Term Loan the same shall be repayable in installments in
the manner specified herein-below in the repayment schedule. (to be specified) Besides the borrower will pay
interest at the rates that may be prescribed for such lending by RBI/NABARD from time to time.

5. It is clearly understood by and between the parties hereto that in the event of the borrower's failure to utilize the
proceeds of the credit facility for the purpose for which the same has been made available by the bank to the
borrower, the borrower shall repay immediately on demand without demur together with interest without prejudice
to Bank's right to initiate other legal action.

6. The borrower shall pay interest on the loans to be calculated on the daily balances in the loan account and be
debited thereto at monthly/quarterly rests or as the Bank may decide.

7. The borrower should utilize the proceeds of the credit facility for the purpose of lending to is members to improve
the socio-economic conditions of their members and their families. That the loan will not be used for any Speculative
purpose / activities prohibited by law.

8. The borrower shall repay the Term Loan facility availed of together with interest payable as per the interest rates
that may be fixed by bank from time to time for such lending

9. The borrower shall be liable to repay the facility on demand together with the interest and other charges payable
by the borrower to the bank in accordance with the rules of the Bank.

REPAYMENT SCHEDULE:

For Term Loan:

Principal loan is to be repaid in _________ equal monthly / quarterly / half-yearly installments. Interest debited to the
A/C is to be repaid / deposited promptly.
or
Principal loan along with interest is to be repaid in ------- equal monthly/quarterly/half yearly installments over a
period of -------- months/years.

In witness where of the parties here to have affixed their signature on the ______________date and the ______________

month and _____________ year first herein above written.

1) FOR THE BORROWER- SHG

2) FOR THE BANK
 1. [Signature of Authorized representatives]

2. [Signature of Authorized representative (Office bearers) with office seal]

3. (Branch Manager) with office seal

DEMAND PROMISSORY NOTE FOR USE BY BANKS WHILE

FINANCING Cash Credit/Demand Loan limits to SELF-HELP GROUPS

Rs .....................
Place ________________________________
Date ________________________________

On demand we VASHNO SWAYAM SAHAYATA SAMUH (632433-31) and the members jointly and
severally promise to pay.......... Bank or order at .......................... the sum of Rupees.................................with
interest thereon at the rate of .......percent per annum -----(below / above/ at) EBLR/ MCLR / Lending Rate
of the Bank which is at present ........% per annum with .............rests for value received.

Revenue
stamp

[Signature of Authorized representatives of SHG with office seal]

Name of SHG: VASHNO SWAYAM SAHAYATA SAMUH (632433-31)

Address of the SHG: District-SAHARANPUR, Grampanchayat-CHANDPUR KAYAST, Village-

AMARPURNAYAN

Address _____________________________________________________________________

Appraisal Note cum Sanction Order of Bank Branch for financing Self Help Group

Credit Linkage (CC/TL) / *Renewal of CC Limit / *Enhancement of CC Limit / *Repeat TL

(Strike out which is not applicable)
Basic Details of SHG:
1. Name of the Bank: UCO BANK

2. Name of the Branch: DEOBAND

3. Name of the Processing / Inspecting

Loan Officer:

4. Date of Processing / Inspection:

5. Name of the SHG: VASHNO SWAYAM SAHAYATA SAMUH (632433-31)

District-SAHARANPUR, Grampanchayat-CHANDPUR KAYAST, Village-

6. Address of the SHG:
AMARPURNAYAN

7. Date of formation of the SHG: 02-08-2021

8. Number of Members in SHG: 6

9. Facilitating Agency (if any): NRLM

10. S/B A/c No: 29400110054857

11. CC A/c No. (In case of already CC-linked

SHG):
Assessment of SHG:

1. Whether the SHG has completed 6 months from the date of formation / 12 months from the date of

last sanction : Yes / No (*Strike out which is not applicable)

2. Whether the SHG has been Graded / Evaluated : Yes / No (*Strike out which is not applicable)

3. Whether the SHG has passed the Grading / Evaluation Exercise: Yes / No (*Strike out which is not

applicable)

4. % of Marks obtained in the Grading / Evaluation Exercise: ...............................................

5. Financial Position of the SHG (as on 12-06-2024).

Balance sheet as on 12-06-2024 .

Liability Assets

Particulars Amount Particulars Amount

1. Savings of Members 17600 1. Cash in Hand 1200

2.(a) Loan outstanding VO/CLF 110000 2. Deposit with Bank 18200

2.(b) Loan outstanding Bank 0 3.(a) Bank Loans Outstanding at Members 0

2.(c) Loan outstanding Others 0 3.(b) VO/CLF Loans Outstanding at Members 112000

3.(a) Grants - Revolving Fund 15000 3.(c) Other Loans Outstanding at Members 13700

3.(b) Grants - Startup cost 2500 4. Savings/ Deposits with VO/CLF 0

3.(c) Grant -(Awards Received) 0

3.(d) Other Grants 0

TOTAL 145100 TOTAL 145100

Existing Corpus of SHG = Rs. 145100 [Total assets - Outstanding Loans (if any)]
 Assessment of eligibility CC Limit / TL to be sanctioned to the SHG:

No. of dose of Eligibility Amount (As per RBI Amount Proposed to

Eligibility
credit* guidelines) be Sanctioned

6 times of the existing corpus or

Fresh Linkage DP Existing Corpus : Rs.
minimum of Rs. 1,50,000/- whichever is Rs. .............................
for 1st year/ 1st dose .......................
higher

DP for 2nd year/ 2nd Existing Corpus : Rs. 8 times of total Corpus or minimum Rs
Rs. .............................
dose ....................... 3,00,000 whichever is higher

DP for 3rd year/ 3rd Minimum Rs 6,00,000 or as per Micro

Rs. .............................
dose Credit Plan

DP for 4th year/ 4th More than Rs. 6,00,000 or as per Micro
Rs. .............................
dose Credit Plan

(*Strike out which is not applicable)

Terms of Sanction:

Sanctioned a new Cash Credit limit / Renewed / Enhanced the existing Cash Credit limit Rs
_______________ Rupees ________________________.only ) under the following terms & conditions:-

Or

Sanctioned a Term Loan / Renewed / of Rs ________________________ Rupees __________________ .only )

under the following terms & conditions

(a) Documents to be obtained for Term Loan:

I. Inter-Se agreement

II. Articles of loan agreement

(b) Documents to be obtained for Cash Credit/Demand Loan:

I. Inter-se agreement

II. Demand Promisory Note

III. Articles of Agreement

(c) Purpose of the credit facility: On-lending to the members of the SHG.

(d) Rate of interest .................................... % p.a. to be calculated on reducing balance method with
monthly rest or -------% p.a. upto Rs. 3 lakhs and @----- p.a.on rest amount over Rs. 3 lakhs. The SHG will
be eligible to get the benefit of interest subsidy if it fulfil the norms as specified by Government in this
regard.

(e) Service charge: NIL (Loan to SHG is treated as advance to weaker section).

(f) Repayment:

For Term Loan:

1. Principal loan is to be repaid in ......equal monthly / quarterly / half-yearly instalments of Rs. -------
---. Interest debited to the A/C is to be repaid / deposited promptly.

Or

2. Principal loan alongwith interest is to be repaid in ------- equal monthly/quarterlyhalf yearly

installments of Rs. ------------over a period of -------- months/years.

3. Principal loan alongwith interest is to be repaid in ------- equal monthly/quarterlyhalf yearly

installments of Rs. ------------over a period of -------- months/years.

(g) Review / Evaluation of the C/C A/c will be done after 12 months.
 Signature of the Processing / Appraising Officer Signature of the Branch Manager (With Office-Seal)

Date: Date:

We, on behalf of VASHNO SWAYAM SAHAYATA SAMUH (632433-31) SHG hereby accept the
aforesaid terms & conditions of the above noted CC facility / Term loan sanctioned to our SHG by
the above-mentioned Bank Branch.

1.

2.

3.

(Signature of Authorized representatives of the SHG with office seal)

Place:

Date:
 Members KYC Details

Member Name Designation

SANJO President

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 Members KYC Details

Member Name Designation

RAJNI DEVI Secretary

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 Members KYC Details

Member Name Designation

RANI Treasurer

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 Members KYC Details

Member Name Designation

OMVATI Member

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 Members KYC Details

Member Name Designation

OMVATI Member

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 Members KYC Details

Member Name Designation

SURESHO Member

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