INSTITUTE OF VALUERS REGISTRATION NO.

F 19627
Ref No : GAA / HDBFS / 12 13 / 087 Date : 27/10/12

Particular Name of Customer RBBO Mr. Anil Sukhdevrao Umbarkar Financial Services Plot No. 83, Prem Nagar ( Nayapur ), Mouza Binakhi, Tah. & Distt. - Nagpur. Near Zenda Chowk, Prem Nagar Not applicable Mr. Anil Sukhdevrao Umbarkar City Survey No. 1692, Khasra No. 130 26/10/2012

GENERAL DETAILS

Property Address Landmark Loan Application number Name of Document holder. Legal address of property ( City Survey No. / Sheet No. / Khasra No. ) Date of Inspection

Municipal House No. / Ward No.

Ward No. 42 old ( New 28 ) Mixed High / Middle Class Within Km Normal Yes Site Demarcation

SURROUNDING LOCALITY DETAILS

Vicinity (Slum / Residential / Commercial / Mixed / Industrial ) Type (High / Middle / Lower Class ) Proximity to Civic Amenities ( Proximity to Railway Station,Bus Stop & Hospital ) Conditions of Approach Road Plot Demarcated at site ( Y/N ) Property Identified through ( Name board / site demarcation / neighbors inquiry)

Type of Usage of entire property ( Residential / Commercial / Residential cum Commercial ) Additional Amenities ( Garden / Swimming Pool etc.) Type of Premises ( Residential / Shop / Bungalow / Office / Ch awl / Industry ) ( As per Sanction Plan ) Occupied by Name of Occupant If relative, state relationship with the applicant Is property rented? If rented list of occupants Boundary Details ( East / West / South / North )

Residential cum Commercial Not applicable Residential Self Occupied Mr. Anil Sukhdevrao Umbarkar Not applicable No Not applicable North : By Road South : By 10.00 M wide Road East : By House of Mr. Gulabrao Pandhre West : By House of Mr. Istari Gadhve

PROPERTY DETAILS

Type of Structure No. of Floors

RCC Frame Structure Ground + First Floor 1 No. Not applicable At GF : 1 Hall, 1 Kitchen cum Dinning Room, 1 Bed Room, 1 Drawing Room, 1 Bath Room & 1 Common Toilet. AT FF : 1 Hall with balcony, 1 Bed Room with balcony, 1 Bed Room, 1 Bath Room & 1 Common Toilet. Nil Approx. 16 Years 44 Years

STRUCTURAL DETAILS

No of wings No. of flats on each Floor Internal Composition of Flat / Office

No. of lifts in each wing Age of the Property Estimated Future Life

Exteriors Beam & Column Structure RCC Frame Structure Normal Normal Yes Yes No

QUALITY OF CONSTRUCTION

Appearance & Maintenance of Building Common Areas Remarks Reception Area and staircase Sanitation Observations such as cracks, peeling, sagging beams, bending columns etc., should be reported Interiors Flooring & finishing. Roofing and terracing Quality of fixtures and fittings.

IPS / Semi vitrified / Ceramic tiles are fitted with 4 skirting. OBD wall finished with concealed electrical wiring & fittings. POP decorative ceilings with concealed lights in Hall, plain ceilings in other Rooms. Normal

PLAN APPROVALS

Construction as per approved / sanctioned plans ( Yes / No ) Details of approved plan with approval No. and Date Construction permission Number and date. Violations Observed if Any Or is there any risk of Demolition in case of violation If plans not available then is the structure confirming to the local bylaws Individual Apartments / Flats Floor-wise Carpet Area ( Sq ft ) Loading for BUA ( 20%, 30% etc )

Yes Building Permit No. 16151 / 9417 / PH, Dated : 21/11/1995 Not applicable No Not applicable

Not applicable 20% Not applicable Not applicable Not applicable Not applicable Not applicable Not applicable Not applicable

VALUATION

Floor-wise BUA / SBUA ( Sq ft ) Built Up Area as per Sale Deed Actual Built Up Area of the premises Built Up Area as per the Approvals Consider Built Up Area Current Govt Approved rates Recommended Rate and basis for recommendation

Total value of construction. ( Approved Super Built Up Area X Composite Rate ) Less Depreciation on Construction Net Built Up Value Final value Rs. in figures For land and building valuation Land Area ( As per Sale Deed ) Consider Land Area Current Government Approved Rates for Land. Recommended Rate of land and Basis for recommendation Land Value ( Land area x Rate per Sq ft )

Not applicable Not applicable Not applicable Not applicable Not applicable

97.770 Sq m / 1052.396 Sq ft 97.770 Sq m / 1052.396 Sq ft Rs. 3500.00/- per Sq ft (A) 97.770 Sq m / 1052.396 Sq ft = Rs. 36,83,386.00/Not mentioned 79.126 Sq m / 851.712 Sq ft ( Ground + First Floor ) 97.226 Sq m / 1046.541 Sq ft ( Ground + 2 Floors ) 79.126 Sq m / 851.712 Sq ft ( Ground + First Floor ) Rs. 900.00/- per Sq ft Rs. 300.00/- per Sq ft 79.126 Sq m / 851.712 Sq ft = Rs. 7,66,541.00/Rs. 1,83,970.00/(B) (A+B) Rs. 5,82,571.00/Rs. 42,65,957.00/79.126 Sq m / 851.712 Sq ft = Rs. 2,55,514.00/Rs. 45,21,471.00/Positive X Rs. 300.00/- Sq ft X Rs. 900.00/- Sq ft X Rs. 3500.00/- Sq ft

VALUATION

Built Up Area as per Sale Deed Actual Built Up Area of the premises Built Up Area as per the Approvals Consider Built Up Area Recommended Rate of BUP and Basis for recommendation Amenities Rate Total value of construction. ( Consider Built Up Area x Built Up Rate ) Less Depreciation on Construction Net Built Up Value Valuation

Construction cost as per the Amenities ( flooring, finishing & fittings etc. ) provided per Sq ft (C) Overall Total Valuation Valuation Report (A+B+C)

Remark : First Floor is residentially sanctioned, but using for commercial purpose.

Specific remarks in the report which are adhered to while sanctioning the case

PREDISBURSEMENT CHECKS

Seal and sign of the credit manager - valuer has signed all pages of valuation report Clear photographs in the property. Age of the property as per norms- if deviation taken or not Approval / waiver of the approved plans taken as per the policy limits self occupied or let out property , is appropriate deviation taken Minimum property value - and appropriate deviation taken Deviation for property in the negative area. - deviation taken or not Customers name in the valuation report to be the same as in the document and in the Application form standard Valuation report followed by the valuer or not.

I hereby declare that: I have deputed my representative Mr. Shafique Patel to inspect the property. My representative has personally inspected the property on 26/10/2012 I have no direct or indirect interest in the property valued. The information furnished in the report is true and correct to the best of my knowledge and belief. Signature of Valuer Name of Valuer Date : 27/10/2012 - : Views :Ar. Rajesh Gotmare INSTITUTE OF VALUERS REGISTRATION NO. F 19627

DECLARTIONS

For Gotmare & Associates

Architects