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    Chetna Adhiya

    Uploaded by

    Vikash Maurya
    The applicant is requesting a home loan of Rs. 8 lakhs to purchase a residential property. He has been employed as a bus driver by M/s. New Way Travels for the past 4 years, earning a monthly salary of Rs. 24,000. During the property due diligence visit, the applicant did not provide documents like income tax returns, salary slips, or employer identification to verify his employment and income details. The neighbor confirmed the applicant's job but key documents were missing. The loan application is recommended for rejection due to insufficient documentation to verify the applicant's income sources and repayment ability.

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    Chetna Adhiya

    Uploaded by

    Vikash Maurya
    164 views5 pages
    The applicant is requesting a home loan of Rs. 8 lakhs to purchase a residential property. He has been employed as a bus driver by M/s. New Way Travels for the past 4 years, earning a monthly salary of Rs. 24,000. During the property due diligence visit, the applicant did not provide documents like income tax returns, salary slips, or employer identification to verify his employment and income details. The neighbor confirmed the applicant's job but key documents were missing. The loan application is recommended for rejection due to insufficient documentation to verify the applicant's income sources and repayment ability.

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    Chetna Adhiya.docx

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    The applicant is requesting a home loan of Rs. 8 lakhs to purchase a residential property. He has been employed as a bus driver by M/s. New Way Travels for the past 4 years, earning a monthly salary of Rs. 24,000. During the property due diligence visit, the applicant did not provide documents like income tax returns, salary slips, or employer identification to verify his employment and income details. The neighbor confirmed the applicant's job but key documents were missing. The loan application is recommended for rejection due to insufficient documentation to verify the applicant's income sources and repayment ability.

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
    Download as docx, pdf, or txt
    164 views5 pages

    Chetna Adhiya

    Uploaded by

    Vikash Maurya
    The applicant is requesting a home loan of Rs. 8 lakhs to purchase a residential property. He has been employed as a bus driver by M/s. New Way Travels for the past 4 years, earning a monthly salary of Rs. 24,000. During the property due diligence visit, the applicant did not provide documents like income tax returns, salary slips, or employer identification to verify his employment and income details. The neighbor confirmed the applicant's job but key documents were missing. The loan application is recommended for rejection due to insufficient documentation to verify the applicant's income sources and repayment ability.

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
    Download as docx, pdf, or txt
    of 5

    DISCUSSION SHEET

    PD Initiation Date: PD Conducted Date: 12/10/2018 PD Report Date: 13/10/2018


    11/10/2018 PD Conducted Time :01.30 PM

    Application No NA

    Applicant Name NA

    Applicant Date of 07/03/1969.


    Birth

    Loan amount required He requires HL of Rs.08 lakhs approxfor purchasing Resale


    Residential property.

    Product – Home Loan


    HL/LAP/NRPL

    Applicant’s Profile NA
    Details of Applicant’s
    family members &
    their Occupations

    Qualification of He has studied till 7thfrom Maharashtra.


    applicant

    Name of the firm NA.

    Neighbors check TPC was done with the Mr. Khanresiding nearby of visited
    premise and got positive response about applicant and his job.

    Type of Firm NA

    If Partnership or NA
    Private Ltd Firm Date
    of incorporation

    If Partnership / NA
    Private Ltd

    Business License NA
    Details
    Nature of Business Applicant issalaried at M/s. New Way Travels. As per applicant he
    drives bus for M/s. New Way Travels for which he receives
    monthly salary of Rs. 24,000/- approx. He drives bus in various
    regions of Hyderabad, Bangalore, Goa and all over Mumbai.

    As per applicant, his operating timing is from 8:00 AM to 06:00


    PMwith weekly offon Sunday.

    As per applicant, his monthly salary is of Rs. 24,000/-approx..

    Any Other Business NA


    Location /Godown /
    Offices / branch
    address or any other
    Source of Income

    Office address details His office address is located at Malad. (Further address details
    with were not provided.

    nearest Land Mark

    (Office Stability)

    PD Conducted at NA

    Business location Visited premise was situated in residential area of Mira Road (E).

    Number of years in Since last 04years.


    the present premise

    Ownership of Rented
    business premises

    Product / Service NA
    provided

    Major Customers NA

    Major Suppliers NA

    Employees NA

    Monthly Sale with As per applicant, his monthly salary is of Rs. 24,000/- approx
    Margin
    Activity & Stock NA
    Observations

    Documents Verified to Applicant didn’t provide ITR or Salary Slip.


    justify T/o – Sales Bill,
    Purchase Bill, Invoice.
    Verification of
    Original ITRs along
    with P&L and Balance
    sheets .etc

    Details of Property to He is going to offer his purchasing residential property as a


    be Mortgaged. collateral security for this loan. The details of which is as follows:
    Nearest Land Mark
    and owners’ of AddNA
    the subject property

    Other Assets / He pays LIC premium of Rs. 12,000/- approx. per annum.
    investment details (if
    any)

    Residence Details  He resides in NA

    Nearest Land Mark

    (Residence Stability)

    Loan Details Loan type Institution Sanction Outstanding EMI approx


    amount Amount
    approx approx
    None

    Existing Relationship No
    with DHFL

    Banking Habits  He has NA approx.

    Credit Card Details None.

    Loan Purpose He requires HL of NA. (Initiated loan amount is Rs. 30 Lakhs


    approx..)
    Documents Seen /  PAN card having no. NA 11-05-1984 and it is valid till 18-
    verified 03-2021.

    As per Observation:
     Visited premise was located at residential area of Mira Road.
     At the time of visit, residential set-up, family members were
    seenetc was seen.
     He provided Pan Card, Aadhar Card,Driving License,etcfor
    verification.
     He did not provide, ITR for the AY 2018-19 and AY 2017-
    18,Electricity Bill of visited premise,Bank Passbook, Salary
    Slip, Employer ID etc. for verification.
     He didn’t have any loan obligation as on date.
     Applicant is Salaried NA residing nearby of visited premise
    and got positive response about applicant and his job.

    ` Mr. NA

    PD done by (Name of MrNA


    the verifier)
    Status:Negative. (On the basis of documents provided.)
    Agency Seal & Verifier Sign

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