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CONSUMER FINANCE LOAN APPLICATION
Business Location: Application No.VER : 28.0/0818
FIELDS WITH * (STAR) ARE MANDATORY
1. BASIC INFORMATION – BORROWER (INDIVIDUAL)
Please collect your MID / Schedule of charges
BORROWER - (NON INDIVIDUAL)
CV CE SCV LCVPVTFV
2. ADDRESS Preferred Mailing Address Present Permanent Office Regd. Office
OFF
ICE/
BU
SIN
ESS
REGD
. OFF
. (NON
INDIV
IDUAL
)
Name of the organization*
Office/Business Address*
PIN*
Landmark* E-mail ID*
City* District*
Phone No.* Fax No.
State*
Is it a PP No.?* Yes No
Is it a PP No.?* Yes No
Name of the organization*
Office/Business Address*
PIN*
Landmark* E-mail ID*
City* District*
Phone No.* Fax No.
State*
4. PRIORITY SECTOR CATEGORY – As per RBI Requirement*
Farming Sector: Agricultural / allied activity including farming, dairy, piggery, fishery, animal husbandry, poultry, bee-keeping, sericulture, cattle feed, poultry feed, fertilizers, pesticides, seeds and / or purchase of agricultural implements / machinery for spraying, weeding, harvesting, sorting, grading, transporting etc.
(Please tick appropriate category)
ManufacturingSector
MICRO (investment in P&M does not exceed 25 lakhs)
SMALL (investment in P&M between ` 25 lakhs and ` 5 crore)
MEDIUM (investment in P&M between ` 5 crore and ` 10 crore)
`
Landless Labourer/Tenant Farmer
Small Farmer holding Land <2 hectares Other Farmer holding Land >2 hectares
Engaged in allied agricultural activities as above Having fleet of tractors, bull-dozers,well-boring lqpt, threshers, harvestors,combines etc.
Marginal Farmer holding Land <1 hectareServicesSector *
MICRO (investment in P&M does not exceed ` 10 lakhs)
SMALL (investment in P&M between ` 10 lakhs and ` 2 crore)
MEDIUM (investment in P&M between ` 2 crore and ` 5 crore)
* includes Small Business, Road / Water Transport Operators
If there are more details please use a separate sheet
PE
RM
AN
EN
T Flat / Door No. & Building Name*
Road Number / Road Name*
PIN*City* District*
Is it a PP No.?* Yes NoPh / Mob 1* Fax No.
State*
PR
ES
EN
T
Flat / Door No. & Building Name*
Road Number / Road Name*
Is it a PP No.?* Yes No
PIN*
Landmark*
City* District*
Ph / Mob 1*
Alternate Mobile 2
Fax No.
State*
E-mail ID*
Mob 2 is Pre paid Post paid ISP: Others____________________________Airtel BSNL Idea MTNL Reliance TATA Vodafone
Mob 1 is Pre paid Post paid ISP: Others____________________________Airtel BSNL Idea MTNL Reliance TATA Vodafone
Address is as in (Address proof)
No. of Kids* No. of Dependents*
Religion*
Caste*
Actual Subsect & Sub Caste name as per Govt. Classification*
Date of Birth* Single Married Gender* Marital Status*TGM
Educational Qualification* 10 + 2 Graduate Post Graduate and above Professional Others10th or below (please specify)
Christian
ST
Muslim
MBC
Buddhist
BC
Sikh
OBC
Others
Others
Hindu
SC FC
Zorastrian Jain (please specify)
(please specify)
Type of Residence* Parent Owned Co Leased RentedOwned Others (please specify)
Years Number of years in this City MonthsNationality*
Occupation*
Residential Status* Non-Resident
Others
Monthly Rental Payable : ` Resident
Indian
Years Number of years in this house Months
Person with disability No Yes
Whether applicant is a director of any Bank or IBL* Yes
(Occupation please specify)
(please specify)
Business Salaried Agriculture Services
Preferred Verbal Communication Language
Sur Name
Name* Mr / Ms / Mrs / Dr / M/s
Mother Maiden Name*
Father Name*
Spouse Name*
Are you a shareholder in this Bank? Yes
No
Profession
No Nature of Account Current SavingsDetails of Investment / Bank Accounts
F
(please specify details)
(please specify)
Amount of deposit `IBL Bank Account No. If existing customer, code
Non Earning
Others
3. IDENTITY PROOF DETAILS (One Identity Proof is Mandatory)
PAN No.
AADHAAR No. (UID)
Passport No.
Driving License No.
Photo Ration CardExpiry
Post Off. Iden. No.PAN Holder
2W LMV MGV/MPV HGV/HPV Others_______Nature Expiry
Voter ID
CKYC ID Virtual ID
Constitution*
Name of theConcern*
Shop & Establ. Regn. No.
Beneficial Ownership Declaration given
Date of Incor. /Date of PS Deed*
Certificate No. (For Co. only)
GST
Partnership ClubPvt. Ltd. Co. SocietyListed Public Ltd. TrustProprietorship Association Foundation
Body of Individuals Others (please specify)Unlisted Public Co.
LLP OPC
Udyog Aadhaar
10. FAMILY INCOME DETAILS
11. CREDIT CARD / BANK DETAILSCredit Card Details (Please note if you have more than one credit card then give details of the major credit card)
Do you have a credit card? Yes No
Name of bank
Account type
Card issued by Credit Limit `
Other Bank Details (2)Repayment Bank Details (1)NUMBER OF BANK ACCOUNTS
Credit card expiry dateCard Number
Branch Name
Branch Address
Relationship with Applicant Number of earning members other than applicant
Gross Earnings p.m. `
Net Earnings p.m. ` Gross Profit p.a. `
Turnover p.a. `
Total Family Income p.m. (excluding applicant’s income)`
Net Profit p.a. `
Income from: Business Profession
6. INCOME DETAILS BUSINESS / PROFESSION
7. DIRECTOR / PARTNER DETAILS
8. OTHER BUSINESS IN WHICH THEY ARE DIRECTOR / PARTNER
9. INCOME DETAILS – SALARIED
Phone No.Sl.No.
Name of the Director / Partner / Trustees/ Managing Comittee Members / Karta
Designation Date of Birth Address (Residence)DIN & PAN No.
D D M M Y Y Y Y
D D M M Y Y Y Y
D D M M Y Y Y Y
D D M M Y Y Y Y
Sl. No. Address Business activityName of Institution
Department
Address of Previous employer
Name of Previous employer
Gross Income p.m. `
Rental Income p.m.`
Proprietorship PS Firm
Total years of Service Years Months Total income of the applicant p.a.`
Deduction p.m.` Net p.m.`
Other Income p.a. (please specify)`
MonthsYearsDesignation
Public Ltd. MNC Govt. Military Others
Years of Service in current job
Pvt. Ltd. T.A.S.C. (please specify)
Ty
pe
of
Org
an
isa
tio
n
Type of organisation Number of Partners / DirectorsProprietorship PS Firm Pvt. Ltd. Public Ltd. MNC
Whether Business / Profession owned by the family
Others
Total Years in Business / Profession Years Months
Yes No RentedBusiness Premises Ownership Self Owned Parent Owned Others
Years in current Business / Profession Years Months
Networth (Capital + Reservesexcluding revaluation reserves)
`
Nature of Business / Profession
Annual turnover `
Gross Profit ` p.a.
Depreciation ` p.a.
Net profit before tax ` p.a.
Net profit after tax ` p.a.
NOTE : Details as per latest P&L, BS, ITR.
Rental Income p.a.`
Other Income p.a. (please specify)`
(please specify)
(please specify)
Total debts ` (All secured &unsecured loans)
5. INCOME DETAILS – AGRICULTURE
Sl.No.
LandOwnership*
LandOwner
Relationship Areain Acres
Taluk, Village & Pincode Survey/Patta No.
Free/Encumbered
MarketValue (`)
Land Taxp.a. (`)
IrrigationSource $
* Land Ownership : Self Owned / Parent Owned / Lease / Rented / Family Owned $ Irrigation Source : Pond / River / Lake / Well Pumpset / Govt. supplied / Rainfed** Type of Crop : Food Crops / Fruit Crops / Root & Tubers / Pulses / Cash Crops / Vegetables / Decorative Flowers / Cereals s Soil Type : Red / Black / Sandy / Marshy / Alluvial / Others (please specify)7/12, 8A, 6D, Khasra, Khatavani, Pahani, Chitti, Adangal, EC, Ebill, Saledeed, Land book – Documents should be verified for these lands.
Soil Type s Type of Crop** Name of CropHarvesting Cycles
Per AnnumYield/Acre
(in quintals)Market Price(` per quintal)
Cost / Expensesper Acre per Cycle (`)
Tractor RentalsSpent p.a. (`)
Net Income (`)/Harvesting Cycle
Since how long you are into Agriculture years
Are you a member of any Primary Agricultural Co-op Society No YesTax Return Filed Yes No Saral dated
Sl.No.
Do you own tractor(s) No Yes Free Nos. On Loan Nos.
Agriculture type: Farmer Landlord Poultry Piggery Animal Husbandary
Others (please specify)
Fishery Aquaculture
Bee Keeping Sericulture Plantation Seeds Pesticide
Dairy Farm
Making of: Animal feed Poultry feed Fertilizer
14. LOAN VEHICLE DETAILS (PROPOSED) *If Used / Refinance – Valuation Certificate to be attachedParticulars New Used Topup Refn New Used Topup Refn New Used Topup Refn New Used Topup Refn New Used Topup Refn
Make & Model
Year of Manufacture
Dealer Name
Present Market Value (for Used/Existing Loan) (`)
Registration Number (for Used/Refinance)
Existing IBL Loan No.
CREDIT CARD / BANK DETAILS (Contd...)
State
City
Pin code
Phone with STD code
Account Number
Account opened on
Opening Balance as of Opening Balance `
Closing Balance ` Closing Balance as of
Place where the land or building is situated(Please furnish details of Survey Nos.,
Door No., Name of Street etc.)Ancestral or self-acquired If encumbered to
what extent
a. Immovable Assets :
Sq. Feet / AcreUsed for Agri/
Residential/Official/Commercial Purpose
Market Value `
b. Liquid Assets :
Particulars
1. Cash and Bank balance
2. Govt. Securities (give details)
3. Shares
4. Life Insurance Polices (Sum assured)
5. Jewellery (_______________grams)
6. Investment in business
7. Investment in Associate firms, if any
8. Others (please specify)
Book value (`) Encumbered Y/N Loan O/S (`)
Loan taken from(Banks/Private
Finance/Relatives/Others
Type of loan(OD/CC/Personal Loans/
Business Loans/Gold Loans/KCC)
AgreementValue
(` in lacs)
PresentOutstanding(` in lacs)
No. ofInstalments
paid
TotalInstalments(Payable)
EMIAmount
(`)
Proof givenRepayment Track/
Bank Debits/Receipt copies
c. Liabilities (Mention all liabilities other than vehicle loans)
Total
13. VEHICLE OWNED DETAILS (Use additional sheet if required)
54321Registration No.
Make / Manufacturer
Model
Year of Manufacture
Present Market Value (`)
Financier’s Name / Free
If financed by IBL Contract No./Customer Code
Date availed
Agreement Value (`)
EMI Amount (`)
Contract Period (in months)
Present Outstanding (`)
Instalment Serviced (Nos.)
Overdue Amount (`)
Insurance Company
Comprehensive / TP Insurance
Policy No.
12. ASSET & LIABILITY DETAILS
IFS code
MICR
IFS code
MICR
LOAN VEHICLE DETAILS (PROPOSED) *If Used / Refinance – Valuation Certificate to be attached (Contd...)
a. Invoice Amt. - Chassis (`)
b. Invoice Amt. - Body/Trolley (`)
c. Finance Amt. - Chassis (`)
d. Finance Amt. - Body/Trolley (`)
Margin Money a+b+e – (c+d) (`)
Source of Funds (Margin)
Advance EMI (No.)
1st year Motor Insurance Premium (`)
Processing Fee (`) -Non refundable #
Document Charges (`) -Non refundable #
Loan Handling Charges (`) -Non refundable
Rate of Interest (Flat) %
Stamping Charges at actuals (`)
IRR % *
GPA / FHP/HC/Combo/Partial Combo (`)
MI/MI+AP/LP/VAS/FH/
Agreement Period (in months)
Mode of Repayment
No. of Installments (in months)
Adv. Ins. Prm. 3 Yr. (Motor INS+FH+FHP+HC+Telematics)#
Adv. Ins. Prm. 4 Yr. (Motor INS+FH+FHP+HC+Telematics)#
Adv. Ins. Prm. 5 Yr. (Motor INS+FH+FHP+HC+Telematics)#
EMI (`)
Repayment Pattern:Mon/Qua/Hyr/Yry.
Vehicle registered withIBL Lien and if "Yes" date of Lien
RTO (Where the vehicle is registered (or)would be registered)
Insurance Valid upto (for Used Vehicle)
Adv. Ins. Prm. 2 Yr. (Motor INS+FH+FHP+HC+Telematics)#
N Y/ N Y/ N Y/ N Y/ N Y/
# #
Own Savings
Particulars New Used Topup Refn New Used Topup Refn New Used Topup Refn New Used Topup Refn New Used Topup Refn
Engine Number
Chassis Number
If Pre-delivered (mention hour meter for tractor)
Banner/Business/Transport Co. Name
Permit Type
Permit Ref. No. / Date
Permit Valid Upto
Permit Holder Name
Permit Issued by
Valuer Report Reference No. / Date
Replacement to be registered in the name of
Loan from Relatives Market Borrowing _______________________________________
s
15. VIABILITY ESTIMATION
Vehicle 5Vehicle 4Vehicle 3Vehicle 2Vehicle 1UnitsParticulars
1. Initial / Margin Money
2. Usage of machine / vehicle
5a. Fuel consumption per unit
3. Rate per unit of measurement
4. Estimated income per month (2x3)
5b. Fuel cost per litre
6. Fuel cost
7. Salaries (Driver, Conductor, etc.)
8. Maintenance, parts etc.
9. Other expense
10. Estimated expense (6+7+8+9) p.m.
11. Gross surplus (4-10)
12. Average Monthly Installment
13. Net surplus (11-12)
14. Viability ratio (11/12)
`
`
`
`
`
`
`
`
`
`
`
Ratio
Hour/Day/Month/Kms/Others...........
Hour/Day/Month/Kms/Others...........
Inc
om
e P
er
Mo
nth
Ex
pe
ns
es
Pe
r M
on
th
* Inclusive of Volume Incentive if any, Wherever applicable
# Either Family Health (or) Family Health Plus can be chosen and not both
Inclusive of GSTas may be applicable
Exclusive of GSTas may be applicable
# s
End use of funds(for Used / Refinance cases)
Purpose (Own use / AgriHiring / Non-Agri Hiring /Commercial use)
Vehicle Proposed is (New addition for startof Business / Replacement for Old Vehicle/Others specify / Purpose for top-up)
New Vehicle Margin Money
Marriage in Family
Home Buying
Vehicle Repairs / Tax
Medical Expenses
Home Renovation
Investment in Business
Education Expenses
Loan Consolidation
e.Finance Amt. MI/MI+AP/LP/VAS/FH/ FHP/HC/Combo/Partial Combo/Telematics (`)
OFF
ICE/
BU
SIN
ESS
REGD
. OFF
. (NON
INDIV
IDUAL
)
Name of the organization*
Office/Business Address*
PIN*
Landmark* E-mail ID*
City* District*
Phone No.* Fax No.
State*
Is it a PP No.?* Yes No
Is it a PP No.?* Yes No
Name of the organization*
Office/Business Address*
PIN*
Landmark* E-mail ID*
City* District*
Phone No.* Fax No.
State*
16. DETAILS OF WORK ORDER
Valid tillDate of Contract awarded Status (Completed / in hand)Quantum of Contract ( )`Sl. No. Name of Principal
D D M M Y Y Y Y
D D M M Y Y Y Y
D D M M Y Y Y Y
D D M M Y Y Y Y
D D M M Y Y Y Y
D D M M Y Y Y Y
D D M M Y Y Y Y
D D M M Y Y Y Y
CO-BORROWER (NON INDIVIDUAL)
(Details of Work Order Present / Completed. NOTE : If more than 4, kindly get the details in Borrower’s letter head)
17. BASIC INFORMATION
CO-BORROWER – (INDIVIDUAL) Related to Borrower: Yes No Relationship:
19. IDENTITY PROOF DETAILS (One Identity Proof is Mandatory)CO-BORROWER
If there are more detailsplease use a separate sheet
PE
RM
AN
EN
T Flat / Door No. & Building Name*
Road Number / Road Name*
PIN*City* District*
Is it a PP No.?* Yes NoPh / Mob 1* Fax No.
State*
PR
ES
EN
T
Flat / Door No. & Building Name*
Road Number / Road Name*
Is it a PP No.?* Yes No
PIN*
Landmark*
City* District*
Ph / Mob 1*
Alternate Mobile 2
Fax No.
State*
E-mail ID*
Address is as in (Address proof)
18. ADDRESS Preferred Mailing Address Present Permanent Office Regd. Office
No. of Kids* No. of Dependents*
Religion*
Caste*
Actual Subsect & Sub Caste name as per Govt. Classification*
Date of Birth* Single Married Gender* Marital Status*TGM
Educational Qualification* 10 + 2 Graduate Post Graduate and above Professional Others10th or below (please specify)
Christian
ST
Muslim
MBC
Buddhist
BC
Sikh
OBC
Others
Others
Hindu
SC FC
Zorastrian Jain (please specify)
(please specify)
Type of Residence* Parent Owned Co Leased RentedOwned Others (please specify)
Years Number of years in this City MonthsNationality*
Occupation*
Residential Status* Non-Resident
Others
Monthly Rental Payable : ` Resident
Indian
Years Number of years in this house Months
Person with disability No Yes
Whether applicant is a director of any Bank or IBL* Yes
(Occupation please specify)
(please specify)
Business Salaried Agriculture Services
Preferred Verbal Communication Language
Sur Name
Name* Mr / Ms / Mrs / Dr / M/s
Mother Maiden Name*
Father Name*
Spouse Name*
Are you a shareholder in this Bank? Yes
No
Profession
No Nature of Account Current SavingsDetails of Investment / Bank Accounts
F
(please specify details)
(please specify)
Amount of deposit `IBL Bank Account No. If existing customer, code
Non Earning
Others
PAN No.
AADHAAR No. (UID)
Passport No.
Driving License No.
Photo Ration CardExpiry
Post Off. Iden. No.PAN Holder
2W LMV MGV/MPV HGV/HPV Others_______Nature Expiry
Voter ID
CKYC ID Virtual ID
Constitution*
Name of theConcern*
Shop & Establ. Regn. No.
Beneficial Ownership Declaration given
Date of Incor. /Date of PS Deed*
Certificate No. (For Co. only)
GST
Partnership ClubPvt. Ltd. Co. SocietyListed Public Ltd. TrustProprietorship Association Foundation
Body of Individuals Others (please specify)Unlisted Public Co.
LLP OPC
Udyog Aadhaar
Mob 2 is Pre paid Post paid ISP: Others____________________________Airtel BSNL Idea MTNL Reliance TATA Vodafone
Mob 1 is Pre paid Post paid ISP: Others____________________________Airtel BSNL Idea MTNL Reliance TATA Vodafone
21. INCOME DETAILS BUSINESS / PROFESSIONCO-BORROWER
25. FAMILY INCOME DETAILSCO-BORROWER
26. CREDIT CARD / BANK DETAILSCO-BORROWER
23. OTHER BUSINESS IN WHICH THEY ARE DIRECTOR / PARTNERCO-BORROWER Sl. No. Address Business activityName of Institution
24. INCOME DETAILS – SALARIEDCO-BORROWER
Credit Card Details (Please note if you have more than one credit card then give details of the major credit card)
Do you have a credit card? Yes No
Name of bank
Account type
Card issued by Credit Limit `
Other Bank Details (2)Repayment Bank Details (1)NUMBER OF BANK ACCOUNTS
Credit card expiry dateCard Number
Branch Name
Relationship with Applicant Number of earning members other than applicant
Gross Earnings p.m. `
Net Earnings p.m. ` Gross Profit p.a. `
Turnover p.a. `
Total Family Income p.m. (excluding applicant’s income)`
Net Profit p.a. `
Income from: Business Profession
20. INCOME DETAILS – AGRICULTURECO-BORROWER
22. DIRECTOR / PARTNER DETAILSCO-BORROWER
Type of organisation Number of Partners / DirectorsProprietorship PS Firm Pvt. Ltd. Public Ltd. MNC
Whether Business / Profession owned by the family
Others
Total Years in Business / Profession Years Months
Yes No RentedBusiness Premises Ownership Self Owned Parent Owned Others
Years in current Business / Profession Years Months
Rental Income p.a.`
Networth (Capital + Reservesexcluding revaluation reserves)
`
Nature of Business / Profession
Annual turnover `
Gross Profit ` p.a.
Depreciation ` p.a.
Net profit before tax ` p.a.
Net profit after tax ` p.a.
NOTE : Details as per latest P&L, BS, ITR.Other Income p.a. (please specify)`
(please specify)
(please specify)
Total debts ` (All secured &unsecured loans)
Department
Address of Previous employer
Name of Previous employer
Gross Income p.m. `
Rental Income p.m.`
Proprietorship PS Firm
Total years of Service Years Months Total income of the applicant p.a.`
Deduction p.m.` Net p.m.`
Other Income p.a. (please specify)`
MonthsYearsDesignation
Public Ltd. MNC Govt. Military Others
Years of Service in current job
Pvt. Ltd. T.A.S.C. (please specify)
Ty
pe
of
Org
an
isa
tio
n
Sl.No.
LandOwnership*
LandOwner
Relationship Areain Acres
Taluk, Village & Pincode Survey/Patta No.
Free/Encumbered
MarketValue (`)
Land Taxp.a. (`)
IrrigationSource $
* Land Ownership : Self Owned / Parent Owned / Lease / Rented / Family Owned $ Irrigation Source : Pond / River / Lake / Well Pumpset / Govt. supplied / Rainfed** Type of Crop : Food Crops / Fruit Crops / Root & Tubers / Pulses / Cash Crops / Vegetables / Decorative Flowers / Cereals s Soil Type : Red / Black / Sandy / Marshy / Alluvial / Others (please specify)7/12, 8A, 6D, Khasra, Khatavani, Pahani, Chitti, Adangal, EC, Ebill, Saledeed, Land book – Documents should be verified for these lands.
Soil Type s Type of Crop** Name of CropHarvesting Cycles
Per AnnumYield/Acre
(in quintals)Market Price(` per quintal)
Cost / Expensesper Acre per Cycle (`)
Tractor RentalsSpent p.a. (`)
Net Income (`)/Harvesting Cycle
Since how long you are into Agriculture years
Are you a member of any Primary Agricultural Co-op Society No YesTax Return Filed Yes No Saral dated
Sl.No.
Do you own tractor(s) No Yes Free Nos. On Loan Nos.
Agriculture type: Farmer Landlord Poultry Piggery Animal Husbandary
Others (please specify)
Fishery Aquaculture
Bee Keeping Sericulture Plantation Seeds Pesticide
Dairy Farm
Making of: Animal feed Poultry feed Fertilizer
Phone No.Sl.No.
Name of the Director / Partner / Trustees/ Managing Comittee Members / Karta
Designation Date of Birth Address (Residence)DIN & PAN No.
D D M M Y Y Y Y
D D M M Y Y Y Y
D D M M Y Y Y Y
D D M M Y Y Y Y
b. Liquid Assets :
Particulars
1. Cash and Bank balance
2. Govt. Securities (give details)
3. Shares
4. Life Insurance Polices (Sum assured)
5. Jewellery (_______________grams)
6. Investment in business
7. Investment in Associate firms, if any
8. Others (please specify)
Book value (`) Encumbered Y/N Loan O/S (`)
Loan taken from(Banks/Private
Finance/Relatives/Others
Type of loan(OD/CC/Personal Loans/
Business Loans/Gold Loans/KCC)
AgreementValue
(` in lacs)
PresentOutstanding(` in lacs)
No. ofInstalments
paid
TotalInstalments(Payable)
EMIAmount
(`)
Proof givenRepayment Track/
Bank Debits/Receipt copies
c. Liabilities (Mention all liabilities other than vehicle loans)
Total
28. VEHICLE OWNED DETAILS (Use additional sheet if required)CO-BORROWER
54321
Registration No.
Make / Manufacturer
Model
Year of Manufacture
Present Market Value (`)
Financier’s Name / Free
If financed by IBL Contract No./Customer Code
Date availed
Agreement Value (`)
EMI Amount (`)
Contract Period (in months)
Present Outstanding (`)
Instalment Serviced (Nos.)
Overdue Amount (`)
Insurance Company
Comprehensive / TP Insurance
Policy No.
27. ASSET & LIABILITY DETAILSCO-BORROWER
Place where the land or building issituated (Please furnish details
of Survey Nos., Door No. Name ofStreet etc.)
Ancestral or self-acquired If encumbered towhat extent
a. Immovable Assets :
Sq. Feet / AcreUsed for Agri/
Residential/Official/Commercial Purpose
Market Value `
City
Pin code
Phone with STD code
Account Number
Account opened on
Opening Balance as of Opening Balance `
Closing Balance ` Closing Balance as of
CO-BORROWER CREDIT CARD / BANK DETAILS (Contd...)
IFS code
MICR
IFS code
MICR
Branch Address
State
I / WE THE PROPOSED BORROWER / CO-BORROWER / GUARANTORS IS / ARE ASSESSED
For Income Tax : No Yes PAN As per ITR : A.Y. 20......... - 20......... ` ..................................................
Form 60/61 declaration (to be filled in by those who do not have PAN) Reason for not having PAN No. : ........................................................ I/We, .........................................................do hereby declare that what is stated is true to the best of my/our knowledge and belief.
I/We also certify that the vehicle will be operated under our direct supervision and control and that I/We shall utilise the asset/funds only for the purpose(s) mentioned / declared in the loan application/agreement. The vehicle will be registered as a Private/Public carrier with the Regional Transport Authority at........................................................................................................... If the proposal is accepted by you and vehicle is released to me/us, I/We undertake to produce the vehicle for inspection at the place to be specified by you every six months or at such Intervals as required by you. I / We also agree and confirm that the said vehicle will be insured comprehensively including riot/civil commotion and unlimited third party risks until all dues on the contract are paid and the vehicle is released to me/us. I/We also agree and confirm that the said vehicle will be registered in the state of ..................................................................and will be kept so registered until all the dues under the contract are paid to you and the vehicle is released to me/us. I/We agree specifically agree not to transfer, pledge or otherwise the Vehicle/Assets. I/we further declare that the company shall have the direct charge on the vehicle. I/We warrant that the properties mentioned herein are our exclusive properties and will not in any way be transferred or alienated until the obligations arising out of the agreement are fulfilled and I / We agree that this proposal shall be the basis of the contract between us. I/We further state that we are aware and agree that the company shall further repossess the Assets/Vehicle in case of default without notice and I/We agree to surrender the Asset / Vehicle in case of default.
In submitting the above application, I/We the undersigned, solemnly affirm that the information above set forth are in all respects true, accurate, complete and the same may be relied upon by you; I/We hold ourselves liable for any mis statement. It correctly states our true and real condition on the date hereof and we have not knowingly withheld any information that might affect the acceptance of our proposal. I/We expressly agree to notify immediately to you in writing of any material change that may occur in our financial and other condition.
I/We declare that all the particulars and information given in the application form are true, correct and complete and upto date in all respects and I/We have not withheld any information. I/We confirm that I/We had no insolvency proceedings initiated against me/us nor have I/We ever been adjudicated insolvent. I/We have read the application form and brochures and am/are aware of all the terms and conditions of availing finance from IndusInd Bank Ltd. I/We authorise IBL or its agent to make references and deduping / verification / validation / checking enquiries relating to information in this application which IBL considers necessary. I/We also authorise IBL to exchange, share, part with all information relating to my/our finance details and repayment history information to other banks/FIs/Credit bureaus/agencies/Banks other branches/subsidiaries/associates/affiliates or third parties as may be required for KYC information verification, credit risk analysis or for other related purposes that, the Bank may deem fit, and I/We shall not hold IBL liable for use of this information. I/We waive the privilege of privacy and privity of contract. I/We undertake to inform IBL regarding any change in my/our residence/employment and to provide any further information that IBL may require. I/We further agree that my/our finance shall be governed by the rules of IBL which may be in force from time to time and note that IBL reserves the right to reject an application without providing any reason.
I / We agree and acknowledge that only direct telephone numbers (not board / general telephone numbers of offices / corporates / employers) will be accepted for registration of "Do not call". I / We note that, I / We may receive call(s) from the Bank to verify the correctness of the request for registration. I / We also note that, the Bank may use my / our contact details to contact me / us and offer carefully selected products and services from time to time either directly or through its agents or authorised representatives.
I/We / to receive information on product / services etc for Marketing purpose through Telephone / Mobile / SMS / Email by the Bank / its agents.
I/We confirm that :
* NO SIGNATURE PROOF : my/our proof of identity submitted to the Bank does not contain my/our signature(s) and have requested the Bank to treat my/our signature as signed by me/us herein asvalid and accept it for all transactions which I/We may have with the Bank in future.
* SIGNATURE DIFFERENCE : my/our present signature differs from my/our old signature as appearing in proof of identity submitted to the Bank and have requested the Bank to treat the signatureas signed by me/us herein as valid and accept it for all transactions which I/We may have with the Bank in future.
* VERNACULAR SIGNATURE : I/We have signed in a Vernacular language and that, contents of this form, loan sanction letter, agreement etc, were explained to me/us in my/our language andfurther that I/We have understood and/accepted the same in its entirety.
* THUMB IMPRESSION : I/We being illiterate(s) have affixed my/our thumb impression(s) in the form/agreement, DPN etc. and that, contents of this form, loan sanction letter, agreement etc. wereexplained in my/our language and further that, I/We have understood and accepted the same in its entirety.
I/We voluntarily give my/our consent to IndusInd Bank to use my/our Aadhaar Details to authenticate me/us from UIDAI and link the Aadhaar Number to all my/our existing / new / future loan accounts and customer profile (CIF) with your Bank and Use my Mobile Number for sending all SMS Alerts to me/us.
consent do not consent
29. REFERENCE INFORMATION (Please give the Name of a Relative / Friend in your City who does not stay with you as Reference)
Name of the person
Address
Phone (with STD code)
If existing customer, code
Relationship with applicant
31. SIGNATURE AND PHOTOGRAPH OF THE BORROWER / CO-BORROWER / GUARANTOR *
SIGNATURE SIGNATURE SIGNATURE
Affix a RecentPassport Size Photograph
duly signed across
Borrower
Affix a RecentPassport Size Photograph
duly signed across
Co - Borrower(if any)
Affix a RecentPassport Size Photograph
duly signed across
Guarantor(if any)
* In case a guarantor is also taken in, use a separate application form for filling the details. In case the application is signed by an authorised POA holder kindly mention the POA holder name also. In case of non individuals, the authorised representative who is signing the application must sign so, along with affixing of the official rubber stamp of the firm, Company etc.
Name ______________________________________________
Designation _________________________________________
Date ___________ Place ______________________________
Name ______________________________________________
Designation _________________________________________
Date ___________ Place ______________________________
Name ______________________________________________
Designation _________________________________________
Date ___________ Place ______________________________
PIN PIN
30. DECLARATION
32. INSURANCE – GPA, HEALTH, COMBO, MOTOR
ParticularsBorrower / Non Individual Borrower
Entity's Owner/Representative Co-BorrowerGenderM / F / TG
GenderM / F / TG
Date of BirthDD/MM/YYYY
Date of BirthDD/MM/YYYY
Self (GPA and/or Health)
Spouse (Health)
Child 1 (Health)
Child 2 (Health)
Child 3 (Health)
Parent 1 (Health)
Parent 2 (Health)
No manual receipts are issued by the Bank. Hence do not pay any dues (any time) without a valid Hand Held Machine generated receipt being issued to you; Note that the Bank would not be responsible for any money remitted / given by you to any executive / representative of the Bank, without obtaining a valid money receipt. Also do not accept any receipt with corrections / alterations. Always ask the Executive to show his Bank-issued Identity Card and in case of any doubt, we request you to visit our local Office and pay the dues.
For Bank use only
Renewal Required
Yes
upto 2nd year(along with EMI)
upto 3rd year(along with EMI)
upto 4th year(along with EMI)
$ Includes Personal Accident Death Cover & Accidental Hospitalisation Benefit as per GPA Certificate.
Year `
_ If Customer is different than that of the Consumer Finance Application Form, then KYC norms should be complied with separately for each insured.
Health Business Number Existing Health Customer No Yes
** Inclusive of Goods and Service Tax + cess + other applicable levy if any as may be applicable. s This nominee is the 2nd nominee in order of "Claim Settlement Priority"
Exit Age: Age of the Borrower at the time of loan expiry; it cannot exceed 65 years i.e. Borrower Current Age + Loan period in months (total rounded off to nearest year) not to exceed 65 years. Combo (GPA+Health) and normal GPA cannot be combined however (1) Combo and Group Health Cover can be combined and (2) GPA and Group Health Cover can be combined. *** Maximum Entry = 69 years. v DPLI stands for DHFL Pramerica Life Insurance Company Limited.
#
Nominee 1
Nominee 2 s
Relationship
Address
INDUSIND BANK LIMITED INDUSIND BANK LIMITED
Borrower Co-Borrower
GROUP PERSONAL ACCIDENT SCHEME
Paid upfront EMI funding
DOB**:
PIN:
DOB**:
PIN:
** If nominee is a minor on this date, I/we appoint _________________________________________________________________________ as Legal Guardian
GROUP HEALTH INSURANCE SCHEME
If yes, Health Policy No. ________________________
MOTOR INSURANCE 1st Year Premium `
M F M F
Paid upfront Initial Premium
Paid upfront Initial Premium
Cover $
` 572 BCB
Coverage
Coverage
Premium
Premium
#
#
Category
Category
Category
Paid upfront EMI funding
Coverage
TRACTOR COMBO SCHEME
Premium #
T. Combo 1
T. Combo 2
T. Combo 3
v DPLI ` __ lakh for __ yrs;PA = ` 5 lakh for 4 yrs
v DPLI ` __ lakh for __ yrs; PA = ` 5 lakh for 4 yrsHospital Cash = ` 2500/day for 3 yrs
v DPLI ` __ lakh for __ yrs; PA = ` 5 lakh for 4 yrsTelematics for 3 yrs
` ______** B$$CB
$$CB
` ______** B
` ______** B$$CB
PA = ` 1 lakh for 3 yrs; Health = 0.50 lakhs for 1 yr
PA = ` 1 lakh for 3 yrs; Health = 0.50 lakhs for 3 yrs
PA = ` 3 lakhs for 3 yrs; Health = 0.50 lakhs for 3 yrs
PA = ` 3 lakhs for 2 yrs;Health = lakhs for 1 yr` 2
Health Entry Age: Min 18 years, Max 54 years only
` 1607**
` 3677**
` 4750**
` 8963**
B CB
B CB
B CB
BCB
Combo 1
Combo 2
Combo 1
Combo 1
B CB IT Benefits as applicable
Health Product Name
Paid upfront
Paid upfront
EMI funding
EMI funding
Part funding
Part funding
Family Health Care (FHC)
Family Health (FH)
Family Health Plus (FHP)
Hospital Cash (HC)
3 lakhs 5 lakhs 7 lakhs 10 lakhs 15 lakhs 20 lakhs 25 lakhs 30 lakhs 35 lakhs 40 lakhs
2 years
4 years
Prem ` **
B CB
Prem ` **
B CB
1553
3105
1707
3414
2382
4766
3523
7046
4995
9992
7433
14864
10434
20868
Special GPA / Combo
SCV COMBO SCHEME
PV COMBO SCHEME$$ If CB selected, only DPLI cover is applicable for CB and Chola PA cover is applicable for B
TELEMATICS (GPS Tracking System) Paid upfront EMI funding
* Cost inclusive of applicable GST
VALUE ADDED SERVICES (VAS) Paid upfront EMI funding
CV/PV/SCV - 637` B CB
Device & Maintenance CostTenor = 3 Years* ` 9971
Tenor = 4 Years* ` 11245
Tenor = 5 Years* ` 12520
Prem ` **
B CB
Prem ` **
B CB
Prem ` **
B CB
Prem ` **
B CB
Prem ` **
B CB
Prem ` **
B CB
Prem ` **
B CB
Prem ` **
B CB
10891
21783
12706
25411
14522
29042
Sum Insured (`) Entry Age Entry Age (Child) Members Covered Premium (`) Selection
2 Lakhs
1 Lakh
2 Lakhs
2500 / day
Min=18 yrs, Max=54 yrs
Min=18 yrs, Max=69 yrs
Min=18 yrs, Max=69 yrs
Min=18 yrs, Max=54 yrs
Self + Spouse + 2 Children
Self + Spouse + 3 Children + 2 Parents
Self + Spouse + 2 Children
Self
5645
8732
8732
5687
Female Child: Min=90 days,Max = 36 yrs
Male Child: Min=90 days,Max = 26 yrs
` 1607 BCB
GPA 1 L, 3 yrs
GPA 1L/3 yrs&HI = 0.50L/1 yr
Sourcing Code : Bank Contact Person :_______________________________________________________________________
33. DECLARATIONGroup Personal Accident/Group Health Insurance/Insurance/Combo/Life Insurance/VAS/Telematics Covers :1. I / We desire to be a part of the Group Insurance with Cholamandalam MS General Insurance Company Limited/ Company Limited (DPLI) and in
this regard hereby declare that the statements made by me / us in this Proposal Form are true and complete to the best of my / our knowledge and belief. I/We am/are aware that this is a Insurance product from respective insurance companies and the risk is borne only/Solely by the Insurance company.
2. I / We understood the covers being offered under this policy / these policies and am/we are aware of the applicable terms and conditions and are aware that any omission or incorrect statement will invalidate the cover.
3. I / We hereby agree that IndusInd Bank Ltd is at free to obtain / share any information about me / us to any organization – as the Bank may deem fit. I/We agree to the Bank taking appropriate measures to capture the voice log on all such telephonic transactions carried out by me / us , in accordance with procedures / regulations
4. I am / We are aware that mere consent / signing the proposal form does not guarantee start of the Insurance coverage applied for. In the event of rejection of my/our proposal form by the Insurance Company for any reason whatsoever, I / We shall not hold the bank responsible for the same.
5. I / We have decided to subscribe to the products on my / our own decision. I / We have not relied upon or influence by any suggestion by the bank and / or any of its employees on the merit of suitability of this / these product(s). I/We will not hold the Bank responsible for any losses that I / We may suffer in connection with my/our selection.
6. I / We understand provisions relating to Know Your Customers and Anti Money Laundering. I / We confirm having complied with and completed the requirements.7. I / We hereby agree that this declaration shall form the basis of the contract between me/us and the Chola MS/DPLI (as the case may be) in case of Group Coverage. I / We agree to
abide by and be bound by the terms, conditions rules and regulations of the contract.8. I / We understand that in case of any claim under the policy, IBL will not undertake any responsibility or will not accept any correspondence and the same have to be pursued only
with the Insurance Company.9. I / We also note that in the event of any claim under GPA/Life Insurance cover, the claim will be directly paid to IBL. I/We nominate IBL for the same and on receipt of claim amount IBL
will release the document of deletion of hypothecation of the vehicle subject to full and final settlement of loan.10. In case of cancellation of insurance for any reason whatsover, I/ We authorize IBL to receive funds of premium, (if any, paid by IBL on my/our behalf) from the insurer upon such
cancellation and I/We further note that, such refunds would be on “short scale basis” only.11. I / We desire to do the renewals of Individual Health / Family Health / Insurance (as opted) and agree to pay the contribution towards renewal premium by way of monthly installments
(alongwith regular loan installments) on due dates. I/We understand that if I/We are not able to avail cashless treatment facility, (where applicable) then I/We shall submit all the bills to the insurance company for reimbursement within 30 days from the date of discharge.
12. I / We have opted to avail funding against Life/Group Health/Combo/VAS/Telematics insurance premium (s) and pay applicable interest there on (as part of the loan availed) over the loan period.
13. I / We note that, IndusInd Bank acts as a Corporate Agent of Cholamandalam MS General Insurance Company Limited / DHFL Pramerica Life Insurance Company Limited (DPLI).14. I / We have opted for VAS (Value Added Service) program which is being offered by Cholamandalam MS General Insurance Company Limited and note that any deficiency in their
service needs to be taken up with them directly.Motor Insurance:1. I / We confirm that on my / our volition, have opted to give advance insurance premium to IBL to enable effecting of insurance cover for the vehicle for 1st year / subsequent years/
until all dues are settled in the loan.2. If Cholamandalam MS Insurance Co. rejects insurance then I/we confirm to get the vehicle / asset insured through some other company.3. I / We have noted that, the said advance insurance premium would be paid by me/us along with periodical installment payments and that the actual premium paid by IBL would be
based on my/our vehicle(s) accident track record and bonus/malus/applicable tariff as may be prescribed by the insurance company from time to time.4. I / We confirm that IBL has disclosed to me/us, details of all commission receivable by IBL towards the above said insurance premium payments.5. I / We agree to authorize IBL to debit the difference of premium in my loan account, if the insurance premium paid is more than the advance insurance premium amount paid by
me/us for the year.6. In case of cancellation of insurance for any reason whatsover, I/ We authorize IBL to receive funds of premium, (if any, paid by IBL on my/our behalf) from the insurer upon such
cancellation and I/We further note that, such refunds would be on “short scale basis” only.7. I/ We have opted to avail funding against 1st year Motor insurance premium and pay applicable interest there on (as part the loan availed) over the loan period.
I / We note that, basis our requirement, IBL has offered to effect insurance and that, we are responsible for ensuring timely renewal by following up with IBL. In case, where insurance has been done by me / us, we agree to provide to IBL, copy of the comprehensive insurance policy with hypothecated lien marking, atleast 15 days in advance to risk start date (or) renewal due date and also formally request, IBL to take note of such insurance cover in their records.
I / We confirm that the IBL has disclosed to me / us the rates of commissions / other fee chargeable on the transactions made by me / us on the group enrollment / General Insurance products.I / We hereby authorize IBL / its tele marketer to make calls / send sms / write to me / us on / for informing / soliciting insurance products / process / services and this may be construed as my / our enquiry and I / we hereby agree to abide with all the processes connected with this activity notwithstanding any registration made by me / us in National Do Not Call Registry.
DHFL Pramerica Life Insurance
* Insurance is a subject matter of solicitation
Signature ofCustomer(s)
CB:B:
This has reference to your application in respect of ………….............… facility to be availed from Consumer Finance Division of our Bank and we are pleased to appreciate your interest for availing the same. We have evaluated your application and the other documents submitted by you on the following parameters of the bank:
(a) Purpose for which the credit facility will be utilized (b) Eligibility norms of Induslnd Bank. (c) Track record of past borrowings of the applicant (d) Exposure of the applicant relating to the field for deployment of the credit (e) Statutory and regulatory provisions applicable to Induslnd Bank On perusal of the information / documents furnished by you on the above criteria, we regret to inform you that we are not in a position to sanction you the above credit facility under the present circumstances. Please note that the above criteria and the conclusion do not in any way reflect the credit worthiness of the applicant. We thank you for approaching our bank and the interest shown by you for availing credit facility from us.
Yours sincerelyFor Induslnd Bank Ltd.
Name : Designation :
Date: Application No. ACREJECTION SLIP
Received Proposal Form and details towards coverage under GPA Scheme for B CB Group Health Scheme
Vide Cash / Cheque / DD number ___________________ dated _____________ Insured ______________________________
Premium Amount ` __________________ ** Receipt Number _________________
Lo
an
GP
A /
He
alt
h
Date:
The status of the loan would be known to the applicant within 7 working days from the date of receipt of application along with the required documents. The Bank may require any additional information / documents for evaluating the credit worthiness of the applicant. For knowing the status of your loan application, please contact our Branch at which the application was submitted.
ACKNOWLEDGEMENT SLIP
Name of the Applicant:_________________________________________________ Co-Applicant:__________________________________________________________
CV CE SCV PV LCV
ACApplication No.
Signature of CustomerFor IndusInd Bank Ltd. (Sign and Seal)
** Inclusive/Exclusive of GST + Cess + Other levies, if any may be applicable from time to time.
Renewal years
Renewal option
TRACTORS
Place : _____________________________________
FH FHP HC
3form and shall not return the same to applicant.
3 IndusInd Bank (IBL) will decide quantum of the loan at its sole discretion.
3 _________
3 All repayment instruments / mandates are to be issued favoring "Indusind Bank Limited" and duly filled in as required.
3 The loan is sanctioned on fixed rate of interest basis and the said ROI is arrived at by adding/adjusting tenor premium, Credit Risk Premium and Business Strategy spread on currently declared Marginal cost of funds based Leading Rate (MCLR) as the case may be. The applicable ROI would stand revised subject to the terms as specified in the final loan sanction Letter/Loan agreement. The loan being fixed in nature, ROI would not be reset periodically.
IBL reserves the right to retain the photograph and documents submitted along with the application
The Monthly Installments (EMI) in connection with the loan will be due on of every month.
FOR B
ANK'S
USE O
NLY
CUSTO
MER C
OPY
MOST IMPORTANT DOCUMENT ACApplication No.
Dear Customer,This is to confirm receipt of your application form along with below mentioned documents.
Pre-sanction documents As Borrower As Co-borrower Date
Application form
Recent Passport size Photograph (signed across)
Proof of Age (specify)
Proof of Identity (specify)
Proof of Residence (specify)
Proof of Qualification (specify)
Proof of Business / Office address (specify)
Proof of Continuity of current job (specify)
Latest 3 months' salary slip
Proof of COI / COCB / MOA / AOA
Proof of Partnership Deed
Proof of Property Deed
Proof of Permit Copies
Proof of Work Order
Proof of Audited Financials
Proof of Valuation Certificate
Proof of SOA of Other Financial Exposure
Proof of Turnover (Latest sales / GST returns)
Latest 3 years' ITR with computation of income / certified financials
Latest 6 months' bank statements (where salary income is credited)
Loan Account Statements for Repayment track record
Signature verification
Other documents if any
PART OF CONSUMER FINANCE – APPLICATION FORM (CV)
IMPORTANT NOTE :Kindly ensure to properly check and self-attest all documents submitted with date.Kindly do not make any payment in cash, bearer cheque or kind to the Executive in connection with this loan application.Note that :3 The receipt of your application form for the loan does not imply automatic approval of your loan by IBL.3 Incomplete / defective application will not be processed and IBL shall not be responsible in any manner
for the resulting delay or otherwise.3 IBL may request for additional documents other than those collected in connection with the application.3 IBL shall not be liable for loss or delay in the receipt of documents.3 IBL reserves the right to reject any application without assigning any reasons.
FOR B
ANK'S
USE O
NLY
CUSTO
MER C
OPY
SANCTION LETTER
To
Dear Sir(s),
Ref : Your Proposal dated..................................................... for .......................................................... Loan.
We, at the outset, thank you for your decision to avail Loan Facility for the purchase of new vehicle / top-up loan tagged to your existing loan (Loan No.____________) / refinance against the existing asset / vehicle. We hereby confirm our acceptance to extend the facility on terms referred herein and overleaf.
Quantum of finance (`)
Chassis ___________ Group Health Prm ___________
Body/Trolley ___________ VAS Prm ___________
Combo Prm ___________ LP Prm ___________
Partial Combo Prm_________
Telematics
Veh.Ins.1st yr + AP Prm___________
___________
No. ofVehicles
Processing fee
(per vehicle)`
Collateral Details :Periodin months
Moratoriumin days
Number ofInstalments
Instalment pattern**
1
2
3
4
Date :
We request you to carefully peruse the information/terms of our acceptance stated herein and, as a token of your consent, kindly sign the duplicate copy of this letter attached below and return the same to us. Interest rate given above is only indicative. Before the actual delivery date of vehicle / asset if there is any change in MCLR, the loan ROI would be revised suitably, at Bank's discretion. Please note that, this loan would be offered on Fixed ROI, basis Bank's 1 year MCLR rate + corresponding tenor premium + margin as mentioned above. This offer will expire if your acceptance is not received within 7 days from date of this Sanction Letter. For any delay in payment of instalments, Additional Interest Charges will accrue at the rates as specified in agreement. For ACH / SI date of realisation at our end will only be taken as date of receipt. Outstation clearing charges if any will be debited to your account. We once again thank you for availing our services.
Yours faithfully,for INDUSIND BANK LIMITED
AUTHORISED SIGNATORY
ACCEPTED
Loan Handling Charges
(Per vehicle)`
Inst. from Inst. to Nos. Loan EMI (`) Adv. Ins. Prm. (`) FH/FHP/HC/Combo/Telematics (`) Amount per Instalment (`) Total Amount (`)
Docn. charges
(per vehicle)`
Prem. (B) (`)
Yrs Yrs
Application No. AC
Contract No.
New Used Topup Refinance
Prem. (CB) (`)
#
$ Is mentioned for ease of computation & checking only** Inclusive of portion of Advance Insurance Premium (Payable per month) along with instalments Exclusive of GST+Cess as may be applicable (IndusInd) Inclusive of GST+Cess as may be applicable (IndusInd)s Inclusive of GST+Cess as may be applicable (Chola/DPLI)* MCLR+ : Refers to Bank declared 1 year Marginal Cost of funds based Lending Rate (MCLR) + corresponding tenor premium as may be applicable.
#
1st yr Motor Ins Prm ` / Telematics `
Group Health FH FHP HC (`)
Product: CV
PV
CE SCV
TRACTORS
LCV
Total
B CB _____Years
GPA/Combo/Partial Combos
MCLR+* . %
Margin . %
Customer IRR . %
Interest Flat Rate . % $
Fixed
Floating
4
StampingCharges(Actuals)
`
BORROWER & CO-BORROWER SIGNATURES
For queries Call IndusInd Bank Ltd. (CFD-Chennai) Tollfree No : 1800 102 3333 Visit us at : www.indusind.com
POINTS TO NOTE
Please note that, all the borrowers of the bank are scored /rated based on various risk / credit scoring parameters such as:
1. Age; Domicile and Profile
2. Track record with our own bank or other banks / financial institutions
3. Applicant's business experience and the experience of the Co-borrower and/or the Guarantor
4. Product for which the loan is sought – from type and nature of application; locality; operational area perspective
5. Product and Operational Viability
6. Fleet Strength (as may be applicable for each type of loan product)
7. Other income and financials; other assets owned
8. Strength of banking transactions
9. Work orders on hand
10. Market reputation
11. Loan to Value norms & Loan Period sought
12. Feedback from field investigation check
13. Data on your Credit Track - from CIBIL or such other Credit Rating Agency and the Credit Score as per their report etc.
The individual factors / parameters and the related ratings / score / weights ascribed would vary basis the product and borrower category; location; product specific norms etc. of the bank.
The Bank may use any additional specific norm or parameter as may be required to evaluate / rate an individual proposal and also is at liberty to add or delete or modify any of the norms at any point in time.
#s These Charges / Fees collected by the Bank are exclusive / inclusive of applicable Goods and Service Tax (GST) + Cess + Other levies if any, at current rates. Category of GST : Banking and Financial Services. The various statewise registration nos are:
No manual receipts are issued by the Bank. Hence do not pay any dues (any time) without a valid Hand Held Machine generated receipt being issued to you; Note that the Bank would not be responsible for any money remitted / given by you to any executive / representative of the Bank, without obtaining a valid money receipt. Also do not accept any receipt with corrections / alterations. Always ask the Executive to show his Bank-issued Identity Card and in case of any doubt, we request you to visit our local Office and pay the dues.
01AAACI1314G1ZH 02AAACI1314G1ZF 03AAACI1314G1ZD 04AAACI1314G1ZB 05AAACI1314G1Z906AAACI1314G1Z7 07AAACI1314G1Z5 08AAACI1314G1Z3 09AAACI1314G1Z1 10AAACI1314G1ZI11AAACI1314G1ZG 12AAACI1314G1ZE 13AAACI1314G1ZC 14AAACI1314G1ZA 15AAACI1314G1Z816AAACI1314G1Z6 17AAACI1314G1Z4 18AAACI1314G1Z2 19AAACI1314G1Z0 20AAACI1314G1ZH21AAACI1314G1ZF 22AAACI1314G2ZC 23AAACI1314G1ZB 24AAACI1314G1Z9 25AAACI1314G1Z726AAACI1314G1Z5 27AAACI1314G1Z3 29AAACI1314G1ZZ 30AAACI1314G2ZF 32AAACI1314G1ZC33AAACI1314G1ZA 34AA.ACI1314G1Z8 36AAACI1314G1Z4 37AAACI1314G1Z2
I / WE CONFIRM THAT THE EXECUTIVE COLLECTING THE APPLICATION / DOCUMENTS HAS / HAVE INFORMED ME / US:3 The applicable rate of interest - flat rate and the equivalent rate of interest on IRR (simple rate of interest) terms.3 The interest on this loan would be calculated on monthly diminishing basis.3 Processing Fees, Admin Fees, Loan Handling Charges, Documentation Charges, Valuation Charges, RC Verification Charges and Stamping Charges (at actuals) etc. (non
$refundable) that will be charged towards loan application.
3 The other applicable charges such as : Repayment Dishonour / Rejection Charges; Collection Charges; Repayment Mode Change Charges; Repayment Swapping Charges (within the mode); Consecutive (two or more) Repayment Dishonour / Rejection and Related Pullout Charges; Closure of Bank account (without intiation) from
$which Repayment instruments/ECS has been issued; Loan Cancellation/Re-booking Charges (Refer to latest Schedule of Charges for further details).
3 The Inclusive/Exclusive of GST+Cess+Other levies, if any, may be applicable from time to time that will be charged in connection with various categories of fees / charges collected.THAT:3 Incomplete / defective application will not be processed and IBL shall not be responsible in any manner for the resulting delay or otherwise.3 IBL will not be liable for any loss or delay in receipt of documents.3 Documents / Photographs will not be returned under any circumstances, once submitted to IBL.3 Approval of the application is at the sole discretion of IBL and the quantum of the loan will be finally decided by IBL.3 In case of used / refinance / top-up loans, the finance amount / decision to finance would depend on valuation of asset.3 Equated Monthly Installment (EMI) will be due on ______________________ of every month.3 The Loan foreclosure charges are as per the Loan agreement and currently the same is at 3%.3 The Foreclosure charges are levied / calculated on the balance principal outstanding of the loan. (Subject to clauses governing part prepayments)3 The loan terms as sanctioned are applicable for the specified product as indicated in the loan application and are Where for some
reasons, there is a delay in concluding the loan, IBL reserves the right to revise the loan terms as may be applicable at the time of actual loan availment.I / We also confirm that,a) The executive has not made any commitments to me / us regarding the loan quantum / sanction process (or) promised any deviation / waiversb) The executive has collected self attested copies of the documents mentioned on the front side and verified the same with originals produced by me / usc) We have not given / made any payment in cash, bearer cheque or kind along with or in connection with this loan application to the said executive (or) to any other
employee of the bank (or) to any other third partyd) The details of loan terms / conditions inclusive of all charges have been read by me / us in full / read out to me / us (in vernacular) and understood by me/ us.e) No cash/blank instruments has been given by me/us alongwith the application, nor have I/We been promised any free gifts/inducements to apply for this loan facility.f) The copy of applicable Schedule of Charges and BCSBI code of Bank's commitment to customers has been collected by me / us; I / We further note that the latest
SOC & copy of code is hosted in Bank's website www.indusind.com
valid for a period of 7 days only.
I voluntarily give my consent to IndusInd Bank to use my Aadhaar Details to authenticate me from UIDAI and link the Aadhaar Number to all my existing / new / future loan accounts and customer profile (CIF) with your bank and use my Mobile number for sending all SMS Alerts to me.
For any queries / clarifications please contact :
Executive Name **
at Mobile No.
at Land Line No.
Applicant Name
Signature of the Executive whocontacted the applicant
Applicant Signature
** Original Verified: Executive representing IBL should verify & certify all copies of documents submitted by applicant (with originals) in his presence andsign with date.
$During the currency of the loan, the Bank reserves the right to modify any / all the charges / fees applicable, from time to time, with a formal communication addressed to you (sent to your registered address).
FOR B
ANK'S
USE O
NLY
OFF
ICE C
OPY
MOST IMPORTANT DOCUMENT ACApplication No.
Dear Customer,This is to confirm receipt of your application form along with below mentioned documents.
Pre-sanction documents As Borrower As Co-borrower Date
Application form
Recent Passport size Photograph (signed across)
Proof of Age (specify)
Proof of Identity (specify)
Proof of Residence (specify)
Proof of Qualification (specify)
Proof of Business / Office address (specify)
Proof of Continuity of current job (specify)
Latest 3 months' salary slip
Proof of COI / COCB / MOA / AOA
Proof of Partnership Deed
Proof of Property Deed
Proof of Permit Copies
Proof of Work Order
Proof of Audited Financials
Proof of Valuation Certificate
Proof of SOA of Other Financial Exposure
Proof of Turnover (Latest sales / GST returns)
Latest 3 years' ITR with computation of income / certified financials
Latest 6 months' bank statements (where salary income is credited)
Loan Account Statements for Repayment track record
Signature verification
Other documents if any
PART OF CONSUMER FINANCE – APPLICATION FORM (CV)
IMPORTANT NOTE :Kindly ensure to properly check and self-attest all documents submitted with date.Kindly do not make any payment in cash, bearer cheque or kind to the Executive in connection with this loan application.Note that :3 The receipt of your application form for the loan does not imply automatic approval of your loan by IBL.3 Incomplete / defective application will not be processed and IBL shall not be responsible in any manner
for the resulting delay or otherwise.3 IBL may request for additional documents other than those collected in connection with the application.3 IBL shall not be liable for loss or delay in the receipt of documents.3 IBL reserves the right to reject any application without assigning any reasons.
3 IBL reserves the right to retain the photograph and documents submitted along with the application form and shall not return the same to applicant.
3 IndusInd Bank (IBL) will decide quantum of the loan at its sole discretion.
3 _________
3 All repayment instruments / mandates are to be issued favoring "Indusind Bank Limited" and duly filled in as required.
3 The loan is sanctioned on fixed rate of interest basis and the said ROI is arrived at by adding/adjusting tenor premium, Credit Risk Premium and Business Strategy spread on currently declared Marginal cost of funds based Leading Rate (MCLR) as the case may be. The applicable ROI would stand revised subject to the terms as specified in the final loan sanction Letter/Loan agreement. The loan being fixed in nature, ROI would not be reset periodically.
The Monthly Installments (EMI) in connection with the loan will be due on of every month.
FOR B
ANK'S
USE O
NLY
OFF
ICE C
OPY
Application No. ACSANCTION LETTER
To
Dear Sir(s),
Ref : Your Proposal dated..................................................... for .......................................................... Loan.
We, at the outset, thank you for your decision to avail Loan Facility for the purchase of new vehicle / top-up loan tagged to your existing loan (Loan No.____________) / refinance against the existing asset / vehicle. We hereby confirm our acceptance to extend the facility on terms referred herein and overleaf.
Quantum of finance (`)No. of
Vehicles
Processing fee
(per vehicle)`
Collateral Details :Periodin months
Moratoriumin days
Number ofInstalments
Instalment pattern**
1
2
3
4
Date :
We request you to carefully peruse the information/terms of our acceptance stated herein and, as a token of your consent, kindly sign the duplicate copy of this letter attached below and return the same to us. Interest rate given above is only indicative. Before the actual delivery date of vehicle / asset if there is any change in MCLR, the loan ROI would be revised suitably, at Bank's discretion. Please note that, this loan would be offered on Fixed ROI, basis Bank's 1 year MCLR rate + corresponding tenor premium + margin as mentioned above. This offer will expire if your acceptance is not received within 7 days from date of this Sanction Letter. For any delay in payment of instalments, Additional Interest Charges will accrue at the rates as specified in agreement. For ACH / SI date of realisation at our end will only be taken as date of receipt. Outstation clearing charges if any will be debited to your account. We once again thank you for availing our services.
Yours faithfully,for INDUSIND BANK LIMITED
AUTHORISED SIGNATORY
ACCEPTED
Loan Handling Charges
(Per vehicle)`
Inst. from Inst. to Nos. Loan EMI (`) Adv. Ins. Prm. (`) Amount per Instalment (`) Total Amount (`)
Docn. charges
(per vehicle)`
Prem. (B) (`)
Yrs Yrs
Application No. AC
Contract No.
New Used Topup Refinance
Prem. (CB) (`)
#
$ Is mentioned for ease of computation & checking only** Inclusive of portion of Advance Insurance Premium (Payable per month) along with instalments Exclusive of GST+Cess as may be applicable (IndusInd) Inclusive of GST+Cess as may be applicable (IndusInd)s Inclusive of GST+Cess as may be applicable (Chola/DPLI)* MCLR+ : Refers to Bank declared 1 year Marginal Cost of funds based Lending Rate (MCLR) + corresponding tenor premium as may be applicable.
#
Product: CV
PV
CE SCV
TRACTORS
LCV
Total
B CB _____Years
GPA/Combo/Partial Combos
StampingCharges(Actuals)
`
BORROWER & CO-BORROWER SIGNATURES
For queries Call IndusInd Bank Ltd. (CFD-Chennai) Tollfree No : 1800 102 3333 Visit us at : www.indusind.com
Chassis ___________ Group Health Prm ___________
Body/Trolley ___________ VAS Prm ___________
Combo Prm ___________ LP Prm ___________
Partial Combo Prm_________
Telematics
Veh.Ins.1st yr + AP Prm___________
___________ 1st yr Motor Ins Prm ` / Telematics `
MCLR+* . %
Margin . %
Customer IRR . %
Interest Flat Rate . % $
Fixed
Floating
4
FH/FHP/HC/Combo/Telematics (`)
Group Health FH FHP HC (`)
INSTRUCTIONS FOR FILLING UP SANCTION LETTER
1. Every Field Officer who is responsible for the business should complete and forward the sanction letter within two days of approval.
2. Every sanction letter handed over to the customer to carry the Application reference and the contract number allotted and should be suitably dated.
3. Under reference column, enter the proposal date i.e., the date on which the customer was met/discussed and specify the vehicle model sought.
4. Under Quantum of finance, enter the finance on chassis (per vehicle), finance on body (per vehicle) and the total finance amount per vehicle as per approved Proposal Evaluation Form (PEF).
5. Under “No. of Vehicles” column, specify the number of vehicles approved by the appropriate authority.
6. Under “other charges per vehicle” column, specify the processing fee, documentation charges etc. as may be applicable.
7. Enter the Interest Charges rate (flat p.a. & customer IRR % p.a.) based on approved PEF.
8. Specify the collateral security details for the contract as specified in approved PEF.
9. Specify the Insurance Deposit amount per annum, period of the contract in months and the number of instalments as applicable.
10. Under ‘others’, indicate the security deposit if any payable and if interest bearing, the security deposit simple interest rate % p.a. In case the proposal is approved subject to collection of ACH / SI, the same also to be indicated in this column.
11. Under instalment pattern, enter the instalment numbers and the amount per instalment.
12. Sign the Sanction letter in both Office copy and in Customer copy. Hand over the Customer copy of signed sanction letter to the Borrower and Co-Borrower and ensure to take his signature as a taken of acceptance of all terms indicated there in.
#s These Charges / Fees collected by the Bank are exclusive / inclusive of applicable Goods and Service Tax (GST) + Cess + Other levies if any, at current rates. Category of GST : Banking and Financial Services. The various statewise registration nos are:
01AAACI1314G1ZH 02AAACI1314G1ZF 03AAACI1314G1ZD 04AAACI1314G1ZB 05AAACI1314G1Z906AAACI1314G1Z7 07AAACI1314G1Z5 08AAACI1314G1Z3 09AAACI1314G1Z1 10AAACI1314G1ZI11AAACI1314G1ZG 12AAACI1314G1ZE 13AAACI1314G1ZC 14AAACI1314G1ZA 15AAACI1314G1Z816AAACI1314G1Z6 17AAACI1314G1Z4 18AAACI1314G1Z2 19AAACI1314G1Z0 20AAACI1314G1ZH21AAACI1314G1ZF 22AAACI1314G2ZC 23AAACI1314G1ZB 24AAACI1314G1Z9 25AAACI1314G1Z726AAACI1314G1Z5 27AAACI1314G1Z3 29AAACI1314G1ZZ 30AAACI1314G2ZF 32AAACI1314G1ZC33AAACI1314G1ZA 34AA.ACI1314G1Z8 36AAACI1314G1Z4 37AAACI1314G1Z2
I / WE CONFIRM THAT THE EXECUTIVE COLLECTING THE APPLICATION / DOCUMENTS HAS / HAVE INFORMED ME / US:3 The applicable rate of interest - flat rate and the equivalent rate of interest on IRR (simple rate of interest) terms.3 The interest on this loan would be calculated on monthly diminishing basis.3 Processing Fees, Admin Fees, Loan Handling Charges, Documentation Charges, Valuation Charges, RC Verification Charges and Stamping Charges (at actuals) etc. (non
$refundable) that will be charged towards loan application.
3 The other applicable charges such as : Repayment Dishonour / Rejection Charges; Collection Charges; Repayment Mode Change Charges; Repayment Swapping Charges (within the mode); Consecutive (two or more) Repayment Dishonour / Rejection and Related Pullout Charges; Closure of Bank account (without intiation) from
$which Repayment instruments/ECS has been issued; Loan Cancellation/Re-booking Charges (Refer to latest Schedule of Charges for further details).
3 The Inclusive/Exclusive of GST+Cess+Other levies, if any, may be applicable from time to time that will be charged in connection with various categories of fees / charges collected.THAT:3 Incomplete / defective application will not be processed and IBL shall not be responsible in any manner for the resulting delay or otherwise.3 IBL will not be liable for any loss or delay in receipt of documents.3 Documents / Photographs will not be returned under any circumstances, once submitted to IBL.3 Approval of the application is at the sole discretion of IBL and the quantum of the loan will be finally decided by IBL.3 In case of used / refinance / top-up loans, the finance amount / decision to finance would depend on valuation of asset.3 Equated Monthly Installment (EMI) will be due on ______________________ of every month.3 The Loan foreclosure charges are as per the Loan agreement and currently the same is at 3%.3 The Foreclosure charges are levied / calculated on the balance principal outstanding of the loan. (Subject to clauses governing part prepayments)3 The loan terms as sanctioned are applicable for the specified product as indicated in the loan application and are Where for some
reasons, there is a delay in concluding the loan, IBL reserves the right to revise the loan terms as may be applicable at the time of actual loan availment.I / We also confirm that,a) The executive has not made any commitments to me / us regarding the loan quantum / sanction process (or) promised any deviation / waiversb) The executive has collected self attested copies of the documents mentioned on the front side and verified the same with originals produced by me / usc) We have not given / made any payment in cash, bearer cheque or kind along with or in connection with this loan application to the said executive (or) to any other
employee of the bank (or) to any other third partyd) The details of loan terms / conditions inclusive of all charges have been read by me / us in full / read out to me / us (in vernacular) and understood by me/ us.e) No cash/blank instruments has been given by me/us alongwith the application, nor have I/We been promised any free gifts/inducements to apply for this loan facility.f) The copy of applicable Schedule of Charges and BCSBI code of Bank's commitment to customers has been collected by me / us; I / We further note that the latest
SOC & copy of code is hosted in Bank's website www.indusind.com
valid for a period of 7 days only.
I voluntarily give my consent to IndusInd Bank to use my Aadhaar Details to authenticate me from UIDAI and link the Aadhaar Number to all my existing / new / future loan accounts and customer profile (CIF) with your bank and use my Mobile number for sending all SMS Alerts to me.
For any queries / clarifications please contact :
Executive Name **
at Mobile No.
at Land Line No.
Applicant Name
Signature of the Executive whocontacted the applicant
Applicant Signature
** Original Verified: Executive representing IBL should verify & certify all copies of documents submitted by applicant (with originals) in his presence andsign with date.
$During the currency of the loan, the Bank reserves the right to modify any / all the charges / fees applicable, from time to time, with a formal communication addressed to you (sent to your registered address).
FOR B
ANK'S
USE O
NLY
PROPOSAL EVALUATION FORM *If Used / Refinance – Valuation Certificate to be attached
Asset - Model / Variant
Invoice Amount - Chassis (`)
Invoice Amount - Body / Trolley (`)
Total (`)
Finance amount - Chassis (`)
Finance amount - Body / Trolley (`)
Funding of 1st yr. MI / MI+AP / LP / VAS / FH / FHP / HC / Combo / Partial Combo / Telematics (`)
Total (`)
LTV %
Agreement period (in months)
Moratorium (in months)
No. of Installment (in months)
Rate of Interest (Flat) % *
Repayment Pattern: Mon/Bim/Qua/Hyr/Yry.
ROI Diminishing (CRM) %
Gross IRR & Net IRR (%)
Credit Period / Credit Amount (`)
Dealer / DSM / Referrer payout (% & `)
Processing Fee + GST (`)
Document Charges (`) + GST
Stamping Charges at actuals (`)
Security Deposit (`) / Terms
Collateral if any (Description of Collateral & its value)
Asset Category
Purpose (Own use / Agri Hiring /Non-Agri Hiring / Commercial use)
Viability ratio (as in point 15) *
Total Present Exposure (`)
Adv. Insurance Premium (Yes / No & Amt.)* Years
FH / FHP / Combo Deposit Amount (`)
Approving Authority (No. / Ref.)
Credit Score / Rating / History IBL (Internal)
Score (Rating sheet & CIBIL Score Report
Rating
Devi
atio
ns 1.
2.
3.
Particulars
Borrower
Co-borrower / Guarantor
Exis.
Exis.
New
New
Cust. Code
Cust. Code
Customer (SWOT)
Co-borrower (SWOT)
CIBIL Overall Remarks / Deviations / Justification / Approvals
I confirm that : (a) the applicant / co-borrower / guarantor were met at their business / residential premises, information furnished verified and found to be correct (b) the above information / recommendation are based on my personal evaluation
Recommendations / BE / FO **
BIC
attached)
Evaluation Executive
New Used Topup Refn New Used Topup Refn New Used Topup Refn New Used Topup Refn New Used Topup Refn
Top-up loan against Veh. No.________________
Loan No.______________________
4.
5.
6.
Loan Handling Charges (`) incl. GST #
GPA / MI / MI+AP / LP / VAS / FH / FHP / HC / Combo / Partial Combo / Telematics (`)
FO
R B
AN
K'S
US
E O
NLY
FINANCIAL DETAILS OF BORROWER / CO-BORROWER / GUARANTOR (Attach copies of P&L, B/s & Tax return for Last 3 years)* If audited financials are not available fill the estimated financials as declared by the Borrower
Signature
Name & Emp. No.
* SWOT : Strengths; Weaknesses; Opportunities & Threats of the Proposal ** In case of more details, please attach separate sheet.
Date Field Officer / Business Exec. BIC SCM SH PH / EVP
Equity Capital
Reserves & Surplus
Secured loan
Unsecured loans
Deferred tax liability
Current liabilities and provision
Fixed Assets
Investments & others
Current assets, Loans and Adv.
Return on capital employed
Return on share holders fund
PAT / Income (%)
PAT / Assets employed (%)
Earnings per share
Book value per share
Interest coverage
Debt equityL
iab
ilit
ies
As
se
tsR
ati
os
SCM’s Comments
SH’s Comments
Other Sanction Conditions (if any)
(` in Lakhs)
Yr 20____ - 20____
Yr 20____ - 20____
Yr 20____ - 20____Particulars
Sales
Other Income
Cost of goods
Direct expenses
Administration expenses
Selling and distribution expenses
Financial expenses
Deferred revenue expenditure
Depreciation
Profit before tax (PBT)
Provision for tax
Profit after tax (PAT)
Preference dividend (including tax)
Profit available for equityshareholders
Total
Total
Inco
me
Exp
en
ses
PROFIT AND LOSS ACCOUNT*(` in Lakhs)
Yr 20____ - 20____
Yr 20____ - 20____
Yr 20____ - 20____Particulars
BALANCE SHEET*
Total
Total
Audited / Estimated
NE