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BANK OFBARODA

(Head Office: Mandavi Baroda)Branch : K G Marg New Delhi

Sanction No.CURZON/2011-12/

Date : 13.06.2011

Account No : 06230600000_ _ _

Borrower Name and Address Mr.

Nature of Facility Term Loan/ Housing Loan

Limit Sanctioned /Period/EMI Rs. .00 Lacs/ months/ Rs

ROI % below BPLR

nowBase Rate + % i.e.,% at present

Purpose Purchase of Flat

Date of Sanction DT

Security Charged--- Eqitable Mortgage of flat under construction

TPA

Repayment Schedule Period months/EMI Rs. p.m

w.e.f.

Debit Balance Rs.

Amount Overdue

Position of Documents dt.

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Security last inspected

Whether all terms and conditions have been

complied with

Yes

Comments of branch inspectors Branch comments

Security documents are incomplete

PSR observations are not on record

Latest income return is not obtained

Search report cum legal opinion as

per Banks format for the last

30years not obtained

Complete chain of original title

deeds & documents are not

obtained.

Photo, mortgagor & the mortgagedproperty is not obtained

Observation in the last ZICinspection not mentioned in the

review proposal

Undertaking/TPA/Allotmentletter/Sale deed, etc is not supported

by copy of the Board Resolution

Documents completed

PSR observation compiled with now

Letter written/send for submission

Gaur Sons Project approved &

sanctioned by RLF raising numerous

flats financed by various branches

Letter sent to R.O

Now in completed

B.R. is in our records

Insurance Details Rs..0lac valid upto

Account may be further reviewed for 12 months

Senior Manager (Credit)

Reviewed as recommended for 12 months

Chief Manager

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BOB/ADV /CUR/

DATE 01-02-2011

The Dy Gen ManagerBank of Baroda,DMR-I Regional Office

16 Sansad MargNew Delhi

Branch K GMarg

Region DMR- IDear Sir,

Re: PSR A/C Mr.Anuj Gaur Assets Classification: Standard

We enclose herewith appraisal note and proposal of the captioned a/c for thefollowing credit decisions in the account taken on 10-12-2008 by the undersignedunder own discretionary lending powers after taking care of procedural details withregard to credit appraisal sanction , the security aspects and documentation ,

monitoring etc.

1. Sanction/ Review of credit facilities / limits:

No Nature of thecredit facility

ExistingLimit

ReviewedLimit

Outstanding Overdue /Irregular

1. Hsg Loan Rs. Rs. Rs. Rs.

2. Modification in the existing terms and conditions:

No Existing Terms and condition Modified Terms and condition

Nil Nil

3. Confirmation of following action :

NIL

We hereby report the position / facts as considered in course of our above saiddecision in regard to the points enumerated under the checklist for PSR (videannexure 4 to the circular no CO:BR:92:170 dated 27.12.2000):-

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NoParticulars

Position /Facts asconsidered by thesanctioningauthority

Observation ofthe PSRAuthority ( To befilled in by PSRauthority

1 Listing of directors / partners/proprietors, guarantors ofcaptioned concern /associate/ groupconcern etc in the caution/defaulters list

No

2 Growth in specific sector / trade/industry activity to whichcaptioned a/c belongs to , iswhether exponential in theconcerned branch / Region/ Zone

No

3 Reference of obtaining activityclearance (wherever required) N/A

4 Whether the above said creditdecisions falls under the powers ofthe sanctioning authority

Yes

5 Whether the assessment of limitshas been done as per Banksguidelines

Yes

6 Whether the accounts Health code

Asset Classification and creditrating with our bank as well as withother banks/ F Is has been properlytaken into account for arriving atthe above said credit decision.

Yes

7 Whether the latest financialperformance ratios funds investedoutside business etc. are satisfiedupon .

Yes

8 Whether there is any comment /qualification in the concerns latest

auditors report which causesconcern

No

9 Whether terms and conditions arecomplied with

YES

10 Whether any major/adverse feature

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/ irregularity reported No

11 Whether documents are in orderand vetted as per banks extantguidelines

Yes

12 Whether the assets/ securitiescharged to the bank are dulyinspected / verified

YES

Yours faithfully,

( Bhramar SaxenaChief Manager

Subject to and the following other observation if any of the PSR authority the PSR isnoted.

Other observation if any of the PSR authority:

P S R authority(Designation to be specified)

Date of PSR noting: