BANK OF BARODA (HEAD OFFICE : MANDVI, BARODA)

FORWARDING LETTER TO BE USED FOR FORWARDING LOAN APPLICATION TO BACK OFFICE

No. Date :
The Asst. General Manager BR. ALPHA:_________________
(HR Shared Services, Back Office) BR. NAME :_________________
Bank of Baroda
Head Office, Baroda House
Mandvi
VADODARA
Dear Sir,
We forward herewith the loan application in prescribed form, the particulars of which are
as under:
FULL NAME OF THE APPLICANT ___________________________________________________
DESINATION_______________________________EMP. CODE NO.________________________
Name of the Branch/Office/department where working ______________________________
Phone / Intercom No.____________________________________________________________
Email ID of the applicant________________________________________________________
Email ID of the branch__________________________________________________________
Date of joining____________________ Birth Date____________________________________
Purpose of loan requested _______________________________________________________
Amount of loan requested ` __________________ Repayment period ___________________

P.F. Position (From the Latest P.F. Statement issued by the Head Office P.F. Dept)

Applicant’s Guarantor’s Guarantor’s

P.F. Code P.F. Code P.F. Code
No.______________ No.__________ No.__________
Mr. ______________ Mr._______________ Mr.________________
Self subscription :`
Bank’s Contribution : `
Voluntary P.F. :`
Total :`
Whether P.F. Balance is withdrawn? YES/NO
PARTICUALRS OF BORROWINGS:
Nature of loan Purpose Limit ` Outstanding balance `
Bank Loan:
(i) Misc.
(ii) Vehicle
(iii) Housing
(iv) Personal loan
(v) Trustees loan
(vi) Co. Op. Credit Soc.
(vii) Festival Advance
(viii) Staff Overdraft
(ix) LIC, other Co.Op.Bank etc.
ADVERSE REMARKS SUCH AS (show cause notice, charge sheeted, enquiry, suspension,
under moral turpitude etc.)
NOTE:
He / She is eligible for the staff loan as per rules.
The salary and Service particulars are verified. Payslip is attached
The deduction do not exceeds 60% of the net salary as stated in Cir No.CO: BR: 58/88
dated 9th April, 1976.
RECOMMENDED FOR SANCTION

Sr./Chief Manager Encl: Loan Application with other required papers & pay slip.
 BANK OF BARODA (HEAD OFFICE : MANDVI, BARODA)

Application Form:

DEMAND LOAN FOR MISC PURPOSE GRANTED BY THE BANK TO STAFF

TO,
The Asst General Manager BR.ALPHA:____________________
(HR Shared Service- Back Office) BR. NAME:____________________
BANK OF BARODA
Head Office,
Baroda House, Mandvi
BARODA

Dear Sir,

I request you to grant me a Demand Loan for the purpose mentioned below, since the amount of
loan to be granted by the Trustees of Provident Fund would be insufficient to meet the expenses to
be incurred by me.

PARTICULARS :

1) Full Name : _____________________________________________________________

(IN BLOCK LETERS)
2) Designation: Officer/Clerk/Sub-staff.
3) Employee Code No. : _____________
4) Name of the branch/Office/Department working : ____________________________
5) SB A/c No. ___________________________________
6) Date of Joining : ______________________ Date of Birth : ____________________
7) Married/Un married : __________________
8) No. of dependants : ___________________
9) Email ID: Personal: ______________________________________________________
10) Basic Salary : `______________
11) Purpose of Loan : _______________________________________________________
12) Amount of loan requested : `__________________
13) Whether he has applied to Trustees of PF: _________________________________
Ref. No. _______________________________________, Date: _________________
14) Amount of loan requested to Trustees : `____________________________________
15) Guarantee of another staff member who has sufficient PF balance (If applicant’s own
balance is not sufficient to cover this loan after taking into consideration the loan to be
granted by the Trustees of Provident Fund)

(1) Name: ______________________ (2) Name: ___________________________

Designation: _________________ Designation: ______________________
PF Code: ____________________ PF Code: _________ -_______________

16) Date of celebration and month : ____________________________________________

_________________________________
(SIGNATURE OF APPLICANT)

I/We agree to stand as guarantors to the above loan.

(1) _____________________________________ (2) ___________________________________

Note: Total expenses to be incurred less loan to be granted by the Trustees of Provident Fund.

The guarantors should give guarantee to the extent of their unencumbered self subscription of
Provident Fund balance. (i.e. self contribution of PF balance LESS : Outstanding balance of
Bank loan availed for Misc. Purpose and also amount of guarantee given for the staff members)
 BANK OF BARODA (HEAD OFFICE : MANDVI, BARODA)

APPLICATION FOR PERSONAL LOAN (STAFF MEMBERS)

TO,
The Asst General Manager BR.ALPHA:______________
(HR Shared Service- Back Office) BR. NAME:_____________________
BANK OF BARODA
Head Office,
Baroda House, Mandvi
BARODA
Dear Sir,

I hereby apply for a loan of `________________(`______________________________________

_________________________________________Only) for purchase of articles costing about
`_________________ from the dealers as per proforma Invoice attached under Personal Loan
Scheme to Staff Members
I undertake to repay the loan in ____________ monthly instalments commencing after one
month from the grant of the loan.
PARTICULARS :
1. Full Name : _____________________________________________________________
(IN BLOCK LETERS)
2. Designation : _____________ Employee Code No.: ___________
3. Name of the branch/Office/Department where working : _______________________
4. EMAIL ID:____________________________________________________
5. Date of Birth: ______________ Age: _________________ Years_________________
6. Date of Joining the service : ______________________ Confirmed
Unconfirmed
7. No. of dependants : _______________ Married/Single : ______________________
8. Full Home Address : ____________________________________________________
____________________________________________________
9. Salary per month: Latest Salary Slip Attached
10. Notional Interest on entire SOD limit : `
11. Details of the articles to be purchased.
SR.NO. NAME OF THE ARTICLES NAME OF THE DEALER PURCHASE PRICE

(PROFORMA INVOICES ARE ATTACHED HEREWITH)

I declare and undertake :

- That the articles proposed to be purchased out of the loan applied, are for my personal use and will
be kept in my custody suitably insured where necessary, during the period of the loan.
- To keep the articles in good condition and will not dispose off the articles so long as the loan is
outstanding.
- That the statement given by me is true and made with the knowledge that you will rely thereon.
- That there is no outstanding due of personal loan with any branch/office of the Bank.
- That I understand that the payment of the above loan will be made by the Bank’s pay slip/Pay order
directly to the dealers.

_______________________________
(SIGNATURE OF APPLICANT)
(BRANCH OFFICE USE ONLY)
1. The salary service particular are verified by us.
2. We confirm that thee is no outstanding balance of any Personal Loan.
3. Adverse remarks, if any, such as charge-sheeted, enquiry, suspension. Litigation etc.
4. We recommend the loan as per rules.

(BRANCH/ OFFICE MAILING ADDRESS with email id) SR. MANAGER / CHIEF MANAGER:

DATE :
____________________________________________________________________________________
 BANK OF BARODA (HEAD OFFICE : MANDVI, BARODA)

APPLICATION FOR REFRIGERATOR LOAN TO OFFICERS STAFF

To,
The Asst General Manager BR.ALPHA:_________________
(HR Shared Service-Back Office) BR.NAME:__________________
BANK OF BARODA
Head Office,
Baroda House, Mandvi
BARODA

Dear Sir,

I hereby apply for a loan of ` _____________ for purchase of Refrigerator costing about
` _________________ as per proforma invoice attached.

I undertake to repay the loan in ________ monthly instalments commencing after the grant
of loan.

PARTICULARS:

1. Full Name : ______________________________________________________________

(IN BLOCK LETERS)
2. Designation : _____________ Employee Code No.: ___________
3. Name of the branch/Office/Department where working : _______________________
4. EMAIL iD:________________________________________________________________
5. Date of Joining the service : ___________________ Date of Birth :
________________
6. Basic Salary ` _________________ Net Salary ` __________________
7. Present Residential Address :
________________________________________________
________________________________________________
8. In case Refrigerator Loan availed in past from the Bank, please give the following
details
a) Year in which the loan was availed : __________________________
b) Year in which the loan was repaid : __________________________
c) Particulars of Refrigerator : __________________________
d) If already sold, please mention date and amount of sale proceeds realized :
Date: ________________ Amount: ` __________________

9. I DECLARE AND UNDERTAKE :

That the Refrigerator proposed to be purchased out of the loan applied for is for my
personal use and will be kept in my custody suitably insured, where necessary
during the period of the loan.

To keep the article in good condition and will not dispose of the article so long as
the loan is outstanding.

The statement given by me is true and made with the knowledge that you will rely
thereon.

That there are no outstanding dues on Refrigerator Loan with any branch/office of
the Bank (either under Personal Loan Scheme or Bank Loan).

That the Refrigerator to be purchased will be produced/ shown by me for inspection
as and when demanded by the Bank.

I understand that the payment of the above loan will be made by the Bank’s pay
slip/pay order directly to the dealers.

I DECLARE THAT I HAVE NOT AVAILED REFRIGERATOR LOAN IN PAST FROM TH BANK.

PLACE: (SIGNATURE OF APPLICANT)

DATE:
 BANK OF BARODA (HEAD OFFICE : MANDVI, BARODA)

APPLICATION FOR CAR/SCOOTER/MOTOR-CYCLE LOAN

To,
The Asst General Manager BR.ALPHA:___________________
(HR Shared Service- Back Office) BR.NAME:____________________
BANK OF BARODA
Head Office:Baroda House, Mandvi
BARODA

Dear Sir,

I hereby apply for a loan of ` _______________________________ for purchase of the vehicle

mentioned below on the terms and conditions applicable for such loan to staff members.

PARTICULARS :
1. Full Name : ________________________________________________________________
(IN BLOCK LETERS)
2. Designation : ______________________________________
3. Employee Code No.: ___________
4. PF CODE No.: _________________
5. Date of Joining Bank : ___________________
6. Date of Birth : __________________________
7. Name of the branch/Office/Department where working : __________________________
8. EMAIL ID: ___________________________________________________________________
9. Residential Address : _________________________________________________________
_________________________________________________________
10. Basic Salary ` _________________ Net Salary ` __________________

DETAILS OF VEHICLE:
a) Name of vehicle to be purchased New/Old Year of Manufacture
b) Control price of the Vehicle (excluding cost of accessories,
RTO Insurance charges (detailed proforma invoice attached) `_______________________

c) If vehicle is old. Its purchase price ` _________________________

d) Expected life of the vehicle
(Attach a certificate from a motor garage of
repute with mention of engine and chassis No.)

e) Condition, expected life, depreciated value, etc. of the vehicle

(Attach a certificate from a motor garage of repute
f) In case of loan being taken from Bank for vehicle i.e.
Car/Scooter/Motor cycle/Moped etc. the following
particulars must be provided.

i) Year in which the loan was taken/availed

ii) Year in which the loan was repaid
iii) Particulars of vehicle
iv) Re-sale value of vehicle ` _____________
v) If already sold, please mention
the year and its price received.

Particulars of the vehicle/Scooter/Motor-cycle/Car/moped at present in my name

standing/registered with or without the help of the loan.
UNDERTAKING :

1. I hereby give an undertaking the vehicle will be transferred in my name immediately after
he purchase and Bank’s lien will be registered with R.T.O. authority.
2. I undertake to hypothecate and to arrange for comprehensive upon my insurance cover of
the vehicle against disbursement of the loan.
3. I undertake to maintain this vehicle at least for five years and the same will not be sold or
mortgaged by me without prior permission of the Bank or until the loan is repaid by me.
4. I understand that the payment of the loan will be made directly to the dealer by the Bank’s
pay slip/pay order and the loan amount is payable by me in not more than 120+80 monthly
instalments from my salary.

PLACE: (SIGNATURE OF APPLICANT)

DATE:
 BANK OF BARODA (HEAD OFFICE : MANDVI, BARODA)

APPLICATION FOR CYCLE LOAN TO STAFF MEMBERS

To,
The Asst General Manager BR.ALPHA:_________________
(HR Shared Service- Back Office) BR.NAME:__________________
BANK OF BARODA
Head Office,
Baroda House, Mandvi
BARODA
Dear Sir,

I hereby apply for a loan of ` _______________________________ for purchase of a new

cycle on the terms and conditions applicable for such loan to staff members.

PARTICULARS :

1. Full Name : ________________________________________________

(IN BLOCK LETERS)
2. Designation : ____________________________
3. Employee Code No.: ______________________
4. Name of the branch/Office/Department where working : _______________________
5. EMAIL ID:________________________________________________________________
6. Date of Joining Bank : ___________________
7. Date of Birth : _________________
8. Basic Salary ` _________________
9. Net Salary ` __________________
10. Trade mark of cycle to be purchased : ______________________________________
11. Name of Dealer/Supplier with Address : ____________________________________
12. Price of cycle : `____________________(as per enclosed proforma invoice of Dealer)
13. Whether cycle loan availed of previously from Bank: YES / NO
14. If availed please give following details :
i) Year in which the loan was taken/availed : __________________
ii) Whether loan is repaid, if so, when : __________________
iii) If already sold, please explain circumstances
and its sales proceeds realised etc. : __________________
15. Whether scooter/motorcycle/car possessed by
him with help of the Bank Loan : __________________

UNDERTAKING:

1. I authorize the Bank to deduct the instalment from my salary towards

repayment of above loan.
2. I understand that if the loan is sanctioned to me, the Bank will pay the
amount of loan directly to the dealer on my behalf and would obtain
receipt thereof.
3. I hereby declare that no such for purchasing a cycle was previously given
to me.
4. I undertake to hypothecate to the Bank the cycle to be purchased and it
will not be sold or mortgaged by me without prior permission of the Bank
or until the loan is repaid by me.

PLACE: (SIGNATURE OF APPLICANT)

DATE:
 BANK OF BARODA (HEAD OFFICE : MANDVI, BARODA)

APPLICATION FOR PERSONAL COMPUTER LOAN (OFFICERS & CLERKS ONLY)

TO,
The Asst General Manager
(HR Shared Service- Back Office)
BANK OF BARODA
Head Office,
Baroda House, Mandvi
BARODA
I hereby apply for a loan of `_______________(`_____________________________________ only)
for purchase of personal computer and printer costing about `___________ from the dealer/s as
per proforma invoices attached herewith under Personal Computer Loan Scheme.
I undertake to repay the loan in maximum-60-monthly instalments, commencing after one month
from the grant of the loan. The principal loan amount will be recovered first in -45- instalments
and interest amount will be recovered in remaining -15- instalments.
1. Full Name : (in block letters) :__________________________________________
2. Designation: _____________ EC No. ______________
3. Name of the Branch/Office where working:_______________________________
4. Date of Joining in the service : ___________________
5. Date of Birth : _________________ Age: _________ years
6. EMAIL ID:____________________________________________
7. SALARY PARTICULARS : Pay Slip attached
8. Notional Interest on entire SOD limit : ` _______________p.m.
The deductions do not exceed 65% of the gross salary including proposed installment.
9 Details of the Computer and Printer to be purchased:
-----------------------------------------------------------------------------------------------------------
Details of the computer/Printer Name of Dealer Purchase price `
-----------------------------------------------------------------------------------------------------------

-----------------------------------------------------------------------------------------------------------
10 I declare and undertake:

That the Computer proposed to be purchased is for my personal use and it would not be
used by me or allowed to be used by my family member for commercial purpose and will be
kept in my custody suitably insured during the period of loan..

To keep the computer in good working condition and will not dispose off so long as the loan
is outstanding.

I have availed computer loan in the year______________. The details are as under :
Limit: `_____________________ Sanctioned on : _________________________
Particulars of computer: __________________________________
Loan settled on: ___________________________
If already sold, the selling price: `_______________________________

That the computer to be purchased will be shown by me for the inspection as and when the
verification of the article is carried out.

That I understood that the payment of the above loan will be made by the Bank’s banker
cheque/DD directly to the dealer.

PLACE: (SIGNATURE OF APPLICANT)

DATE:

1. The salary and service particulars are verified.

2. Adverse remarks, if any, such as charge-sheeted, enquiry, suspension, litigation etc.
3. We recommend the loan as per rules.

WE CONFIRM THAT THERE IS NO OUTSTANDING BALANCE OF ANY PERSONAL COMPUTER

LOAN TO THIS ACCOUNT.

PLACE: VERIFIED & RECOMMENDED

DATE:

Sr.BR. MANAGER/ CHIEF MANAGER

 BANK OF BARODA (HEAD OFFICE : MANDVI, BARODA)

APPLICATION FOR STAFF EXIGENCIES LOAN.

TO,
The Asst General Manager BR. ALPHA:________________________
(HR Shared Service- Back Office) BR.NAME: _________________________
BANK OF BARODA
Head Office,
Baroda House, Mandvi
BARODA

Dear Sir,

RE : REQUEST FOR SANCTION OF STAFF LOAN FOR EXIGENCIES.

I request for a loan of ` ________________ (` __________________________ only) in terms

of Circular No. BCC:BR-97/103 DATED 20.04.2005 and BCC:BR:105/207 dated
24.05.2013 for meeting expenditure on__________________________________________.
The necessary documentary evidence is enclosed/will be submitted within a month/is not
possible to be produced for the reason ____________________________________________.
I have not availed the loan under this Scheme earlier/The loan availed by me earlier has
been liquidated on ______________ (date).

I hereby authorize the Bank to recover the amount of the loan and interest thereon in -60-
monthly instalments from the salary and allowance payable to me. I undertake to abide by
the rules and regulations governing the sanction of this loan. I also solemnly affirm that
the amount would not be used for investment and speculative purposes.

1. Full Name : (in block letters) _______________________________________________

2. Designation: _____________ E.C. NO. ________________
3. Name of the Branch/Office/Department where working:________________________
4. Date of Joining in the service : _____ No. of completed year of service:___________
5. Date of Birth : ________ Age: _________ years
6. EMAIL ID:________________________________________________________________
7. SALARY SLIP ATTACHED:
8. Notional Interest on entire SOD limit : ` ________________
9. A lien may be noted against my Provident Fund balance and other terminal
benefits for the amount. In the event of my ceasing to be in the Bank’s service
before the loan is liquidated, the balance outstanding and the interest due, if
any, may be adjusted out of the Bank’s contribution to the Fund, if payable to
me/my nominee in terms of the relevant Provident Fund rules. If the Bank’s
contribution are not payable to me/my nominee, the outstanding may be
recovered from my own contribution to Provident Fund and I hereby
authorize the Trustees accordingly and in that extent it shall be a good
discharge to the Trustees against all claims whatsoever in respect of the Fund.

Yours faithfully,
PLACE :

DATE : (SIGNATURE OF APPLICANT)

_____________________________________________________________________________
1. The salary and service particulars are verified.
2. Adverse remarks, if any, such as charge-sheeted, enquiry, suspension, litigation etc.
3. We recommend the loan as per rules.

WE CONFIRM THAT THERE IS NO OUTSTANDING BALANCE OF ANY PERSONAL COMPUTER

LOAN TO THIS ACCOUNT.

PLACE: VERIFIED & RECOMMENDED

DATE :

Sr.BR. MANAGER/ CHIEF MANAGER

 BANK OF BARODA (HEAD OFFICE : MANDVI, BARODA)

APPLICATION FORM FOR LOAN AGAINST PROVIDENT FUND - (AT BRANCH)

Branch ALPHA:____________ Branch Name:_____________________________

TO,
The Asst General Manager
(HR Shared Service- Back Office)
BANK OF BARODA
Head Office,
Baroda House, Mandvi
BARODA

RE : LOAN AGAINST PROVIDENT FUND.

Please sanction to me a loan of `__________ for the purpose of _________________.

The required particulars are given below for information:

1. Full Name _____________________________________(in Block Letters)
2. Employee Code No.
3. Designation / Category:
4. Date of joining the Bank:
5. EMAIL ID:______________________________________________
6. Basic Pay :`
7. Special Allowance : `
Total :`
8. If marriage of self/son/daughter/solely dependent sister
A) Name of Bride:
B) Name of Bridegroom:
9. Medical treatment of wife/son/daughter/dependent father/mother/
own (medical certificate stating expenses to be incurred to be
enclosed).
10. Other religious ceremony which is incumbent upon to perform by
Religion (to be confirmed by the manager).
11. PF Loan last availed on ________________ (date) ` ________________
(Amount) settled on ________________.
12. PF withdrawal last taken on ________________ (date) `_____________
(Amount) settled on ________________.

Date: ________________________
Signature of the applicant
___________________________________________________________

1. The salary and service particulars are verified.

2. Adverse remarks, if any, such as charge-sheeted, enquiry, suspension, litigation etc.
3. We recommend the loan as per rules.

WE CONFIRM THAT THERE IS NO OUTSTANDING BALANCE OF ANY PERSONAL COMPUTER

LOAN TO THIS ACCOUNT.

PLACE: VERIFIED & RECOMMENDED

DATE :

Sr.BR. MANAGER/ CHIEF MANAGER

 BANK OF BARODA (HEAD OFFICE : MANDVI, BARODA)

APPLICATION FOR EDUCATIONAL LOAN - PERSUING PROFESSIONAL AND INFORMATION

TECHNOLOGY COURSES

TO,
The Asst General Manager BR. ALPHA:________________________
(HR Shared Service- Back Office) BR. NAME:_________________________
BANK OF BARODA
Head Office,
Baroda House, Mandvi
BARODA

Dear Sir,

Re: Professional / Computer Education Loan through correspondence and Part-time and
Distance Learning.

I request reference to the captioned matter and submit herewith following information for
a Loan of ` ______________ for attending/joining__ _________________________________
course of University / Institute recognized by _______________________________________

1. FULL NAME :
2. DESIGNATION :
3. DATE OF BIRTH :
4. DATE OF JOINING :
5. PF CODE NO. :
6. SALARY NO. :
7. DEPARTMENT :
8. EMAIL ID:______________________________________________
8. PURPOSE OF LOAN :
9. TOTAL EXPENSES FOR ENTIRE COURSE : `
10. EXPENSES FOR THE PRESENT COURSE-PAYMENT OF FEES : `
11. WHETHER PRIOR PERMISSION IS OBTAINEDTO STUDY THE COURSE FROM
THE BANK: YES / NO
12. ANY OTHER RELEVANT INFORMATION :

For this purpose, I attach herewith following papers:

1. Copy of permission from the Bank to study this course.

2. Copy of Broachers/pamphlets giving details of course, fees etc, and
payment schedule.
3. Copy of latest salary slip.
4. Undertaking as required by the Bank.

Yours faithfully,

(Signature of applicant)
___________________________________________________________________________

1. The salary and service particulars are verified.

2. Adverse remarks, if any, such as charge-sheeted, enquiry, suspension, litigation etc.
3. We recommend the loan as per rules.

WE CONFIRM THAT THERE IS NO OUTSTANDING BALANCE OF ANY PERSONAL COMPUTER

LOAN TO THIS ACCOUNT.

PLACE: VERIFIED & RECOMMENDED

DATE:

Sr.BR. MANAGER/ CHIEF MANAGER

 BANK OF BARODA (HEAD OFFICE : MANDVI, BARODA)

PART – I

APPLICATION FOR SANCTION OF A CLEAN OVERDRAFT FACILITY

TO,
The Asst General Manager BR. ALPHA:_______________________
(HR Shared Service- Back Office) BR. NAME : _______________________
BANK OF BARODA
Head Office,
Baroda House, Mandvi
BARODA
Dear Sir,
I hereby apply for sanction of a Clean Overdraft limit of ` ____________________________
(`______________________________________) (amount in words & figure) in terms of
Bank’s circular no. BCC:BR:96/48 dated 28.01.2004 and BCC:BR:98/61 dated 07.03.2006.
I undertake to pay the interest as and when applied in the Overdraft account but maximum
within a period of -7- days and authorize you to deduct the same from my salary and other
dues. I also undertake to repay the entire outstanding in the account along with all
interest due immediately in the event of my ceasing to be in bank’s service for any reason
whatsoever.
01 Name : EC No.:
02 Cadre : 03 Designation :
04 Name of the Branch/Office where posted:
05 Date of Joining :
06 Date of Birth : Age : Years : Months:
EMAIL ID OF APPLICANT:
07 Name & Relationship of PF Nominee
08 Name & Relationship of Gratuity Nominee
09 Present Residential Address with Phone No.

10 Permanent Residential Address with Phone No.

11. I declare and undertake that on account of the Bank having sanctioned me an overdraft
facility:
 I will not utilize the same for transactions of a speculative nature and / or for
investment in shares, equities etc. for speculative purposes.
 I shall not be entitled to apply / avail staff loans of any kind from the Bank other
than Housing loan, Vehicle loan, Special Demand loan for medical treatment and PF
loan sanctioned by trustees.
 I shall not avail of any loans from outside sources for which installments will have to
be deducted and remitted by the Bank to such outside sources during the period of
operation of the overdraft facility sanctioned by the Bank.
 I have fully understood all the terms and conditions of the Overdraft scheme and
shall abide by the same failing which I will render myself liable to repay the entire
outstanding in my overdraft account along with any interest due and shall also
render myself ineligible for being granted any further facility under the scheme or
under any other Staff loan schemes of the bank besides it being open for the Bank to
initiate appropriate Disciplinary action against me.
12. I further authorize the Bank
 to designate the Overdraft account for credit of my monthly salary and allowances.
 to close all my staff loan accounts other than Housing loan, Vehicle loan, Special
Demand loan for medical treatment and PF loan sanctioned by the PF Trustees and
transfer the balance outstanding in those accounts to the newly opened OD account
immediately.
 to not deduct any further installments from my salary for remitting to any outside
lender after sanction of the overdraft facility and to treat any earlier authority
given by me in this regard as revoked.

Place : _________________ _________________________

Date : _________________ (Signature of the applicant)
 BANK OF BARODA (HEAD OFFICE : MANDVI, BARODA)

PART –II

13. Service tenure (in terms of length of service) Years Months

14. Eligible limit for overdraft facility `
15. Notional monthly interest on Clean Overdraft `
(Assuming that the limit fully utilized)
16. Aggregate deductions i.e. salary deductions + notional OD interest= `
17. Percentage of aggregate deductions of Gross Salary.
18. Whether percentage of deductions is more than 60% of the Gross Salary: YES/NO
(If yes, employee cannot be sanctioned the overdraft facility presently)
19. Whether present outstanding in other loans/borrowings are more than the
overdrafts limit eligible. YES/NO
(If yes, employee cannot be sanctioned the overdraft facility presently)

20. Comment and Recommendations of the Branch / Office :

• The Salary / Service Particulars of the employee are verified and he/she fulfils
the eligibility criteria and other terms and conditions for sanction of the
overdraft facility in terms of the scheme circulated vide circular no.
BCC:BR:96/48 dated 28.01.2004 and BCC:BR:98/61 dated 07.03.2006.

• Total monthly deduction including notional monthly interest do not exceed 60%
of the Gross Salary.

• The Employee is not under suspension and disciplinary proceedings for major
penalty/gross misconduct are not pending against the employee.

• Clearance of disciplinary authority obtained in view of pending/contemplated

disciplinary proceedings against him/her.

21. PAYSLIP FOR THE LAST MONTH IS ATTACHED? YES/NO

22. LIMIT of Overdraft Facility applied by the Employee : ` ___________________

23. Eligible Amount for the Category : ` ___________________

RECOMMENDED FOR SANCTION :

Br.Manager/Sr.Branch Manager/Chief Manager/Asst. Gen. Manager

BRANCH :
DATE :

I consent to all the terms and conditions of the sanction of the Overdraft limit to me
as per scheme circulated vide Bank’s Circular No. BCC:BR:96/48 dated 28.01.2004
and BCC:BR:98/61 dated 07.03.2006 and agree that the Bank reserves the right to
change / alter / modify any of the terms of the sanction at any time.

_________________________
(Signature of the Employee)
 BANK OF BARODA (HEAD OFFICE : MANDVI, BARODA)

PART-III

VIGILANCE / NON VIGILANCE CLEARANCE

(To be obtained from Vigilance/HRM Department of respective Regional Office)

Name :_____________________________________, EC. No._________________

Designation: __________________Branch Name:___________________________

REMARKS / OBSERVATION OF
VIGILANCE DEPARTMENT HRM DEPARTMENT

24. Whether employee is under suspension ? YES/NO

(If yes, employee cannot be sanctioned the overdraft facility presently)

25. Whether any charge sheet has been issued for major penalty
Proceedings or for Gross misconduct against the employee. YES/NO

(If yes, employee cannot be sanctioned the overdraft facility presently)

26. Whether any disciplinary action is pending / contemplated YES/NO

against the employee.

(If yes, Clearance from Disciplinary Authority to be obtained in 27 below for

sanctioning of the overdraft facility)

27. Clearance from Disciplinary Authority (Not required if answer to 26 is NO)

1. The employee may be sanctioned the overdraft facility

2. The employee should not be sanctioned the overdraft facility.

Strike out whichever is not applicable.

Signature of Disciplinary Authority

Name of the Disciplinary Authority :

Designation :

Place :

Date :
 BANK OF BARODA (HEAD OFFICE : MANDVI, BARODA)

DECLARATION LETTER

TO,
The Asst General Manager
(HR Shared Service- Back Office)
BANK OF BARODA
Head Office,
Baroda House, Mandvi
BARODA

Dear Sir,

Re : My request for sanction of clean overdraft limit under staff loan scheme.

I refer to my loan application for sanction of clean O D facility of `______________________

(` _____________________________________________________) in terms of Bank’s circular No.
`_____________________________________________________
BCC:BR:96/48 dated 28.01.2004 and BCC:BR:98/61 dated 07.03.2006.

I hereby declare that I have availed various advance facility as mentioned below outside staff loan
/ the deduction of loan installments of which are not repaid through my salary.

Sr.No. Nature of facility Name of Limit Purpose Period Monthly Remarks

Financial ` installment
Inst/Bank with int.`
`

I also understand that Bank has no objection in continuing my loan like Direct Housing loan availed
from BOB Housing Finance Ltd, Direct Housing Loan under public scheme / Education loan to
dependent etc. availed from our Bank for which the monthly installments are payable by me
directly if my request for above requested loan is considered favourably. The said loan/s are
regularly being repaid by me and there is no overdue in such account/s. Moreover, such monthly
installments are not covered under my total deductions mentioned in my monthly salary slip. The
amount of such monthly installments along with interest comes to ` _______________________

I therefore request you to consider such payments as deduction from my salary while arriving at
permissible overdraft limit for its sanction outside the deduction.

Yours faithfully,

( )
Signature of Applicant
 BANK OF BARODA (HEAD OFFICE : MANDVI, BARODA)

ANNUAL REVIEW OF THE OVERDRAFT ACCOUNT

1. OD facility granted to Shri/Smt./Kum_______________________________, EC No._________

2. OD Account No. :__________________, maintained at ___________________________Branch

3. Limit of Overdraft sanctioned : ` _______________________

4. Date of Original Sanction :

5. Date of Last Review :

6. Certified that :

• All terms and conditions of the sanction are complied with.

• The Account is in order.
• All the documents are in force.

7. Certified further that the employee has not been put under suspension and that no
disciplinary proceedings of major penalty/gross misconduct are pending / contemplated
against Shri/Smt./kum______________________________________________________.

RECOMMENDED to REVIEW Overdraft limit for a further period of 12 months from the due date
for review and kindly confirm our action having continued the limit.

________________________________
Senior/Br.Manager/Chief Manager/Asstt. Gen. Manager,

Date :

Place :