Loan Application Appraisal Note

1. Group Basic Details:

Name of the Group Janabai Mahila Kalanjiam (3050015) DoF : 10/09/2016 No. of members: 10
Location / Region Parali Kalanjia Loksanchalit Sadhan Kendra, Beed
Amount Requested Rs. 15,00,000/- Sanctioned : Rs. 6,00,000/-
Group Savings Savings Rs.87,767/- and Loan O/s Rs.50,000/- FD - Gen Fund: Rs. 11,361/-
Repayment Status Linkage : Repayment trend:
Recommended by Filed Visit made by Mr. Nithin RC and recommended by Mr. Sivanandan
2. Member Loan details:
Memb Cost of Member
Sl.N Loan Loan
Name of the Member Purpose er Construct Contributi Sources
o O/s Request
Savings ion on
New
1 GEETABAI PARASRAM 8,931 25,000 400000 60000 340000 Own
House
New
2 BAINABAI BANCE 7,990 25,000 500000 60000 440000 Own
House
New
3 SEETABAI GANPU 8,745 - 400000 60000 340000 Own
House
New
4 VAIJINTA BAPURAO 8,745 - 500000 60000 440000 Own
House
New
5 RAJIBAI GOPINATH 8,745 - 480000 60000 410000 Own
House
New
6 AASHA KISHAN CHAVAN 8,931 - 500000 60000 440000 Own
House
New
7 GANGUBAI KISAN 8,745 - 500000 60000 440000 Own
House
New
8 MUKTTA RATAN PAWAR 8,745 - 600000 60000 540000 Own
House
New
9 SANGEETA SUBHAS 8,745 - 450000 60000 390000 Own
House
New
10 KAMAL UTTAM RATHOD 8,745 - 500000 60000 440000 Own
House
All are attached proof of construction photo with copy of the Patta. Member’s loan vs. Savings 1:6 and
they promised us to increase savings as 1:5. Each member requested Rs.150000/- and total amount or
Rs.15,00,000/- which against our policy so they eligible only Rs.600,000/-. Construction details and source
of the fund are not clear and we asked them to give after construction with UC.
Encl: 1. Membership Application
2. Loan Application with KYC, Copy of Resolution, Bank A/c Statement Member Confirmation,
3. Individual Member loan request Letter with their construction photo and documents.
 Loan Application Appraisal Note

3. Group Basic Details:

Name of the Group Adarsh Mahila Kalanjiam Bachat Gat(3050015) DoF : 10/09/2016 No. of members: 13
Location / Region Parali Kalanjia Loksanchalit Sadhan Kendra, Beed
Group Savings savings Rs.1,03591/- and Loan O/s Rs.61,738/- GF: Rs. 24,314/-
Amount Requested Rs. 19,50,000/- Sanctioned : Rs. 6,00,000/-
Repayment Status Linkage : Repayment trend:
Recommended by Filed Visit made by Mr. Nithin RC and recommended by Mr. Sivanandan
4. Member Loan details:
Memb Cost of Member
Sl.N Loan Loan
Name of the Member Purpose er Construct Contributi Sources
o O/s Request
Savings ion on

1 PUJA BABASAHEB NH 7,833 4459 400000 60000 250000 Own

2 CHAKUBAI RANJIT NH 8,134 4500 450000 60000 390000 Own

3 YASHODA HARIBHAU NH 7,833 10532 400000 60000 340000 Own

60000
4 ASHA AANAD NH 7,933 7000 430000 370000 Own

60000
5 KEVALBAI MANOHAR NH 7,833 4200 510000 450000 Own

60000
6 MANISHA MAHADEV NH 8,137 6808 480000 Own

60000
7 AMARAPALI GAUTAM NH 7,833 3780 550000 Own

60000
8 KIRAN LIMBAJI NH 8,034 500 430000 Own

60000
9 GAJARABAI MURLIDHAR NH 7,834 1959 500000 Own

60000
10 SHOBHA BHASKAR NH 8,034 3500 400000 Own
 60000
11 PUNAMPRASHANT NH 8,034 3000 600000

VANDANA RAJEBHAU 60000

12 NH 7,085 10500
GAKGWAD

BHIMABAIBHASKAR
13 NH 8,034 1000 60000
MUNDE

All are attached proof of construction photo with copy of the Patta. Member’s loan vs. Savings 1:6 and
they promised us to increase savings as 1:5. Each member requested Rs.150000/- and total amount or
Rs.15,00,000/- which against our policy so they eligible only Rs.600,000/-. Construction details and source
of the fund are not clear and we asked them to give after construction with UC.
Encl: 1. Membership Application
2. Loan Application with KYC, Copy of Resolution, Bank A/c Statement Member Confirmation,
3. Individual Member loan request Letter with their construction photo and documents
Notes for the Loan application Appraisal

S.No Particulars WHO Deliverable What we should do

1 Constitute at the regional Team Appraisal note by Prepare the format
level, the team comprising of Constitution: Reg Coordinator
Reg Coordinator, Community Sivanandan
Accountant, Block Integrator,
PSDB staff, Regional Council
member,
2 Program advice note on the Pandiselvi Recommendation Format to be prepared
status of group ( Fund/
Performance / Linkage
efficiency)
3 Saving and Loan relationship
(Ratio)
4 Forms used for Loan Sep 6
Application: Review
5 Support from Mainstream Bankers / Rc
6 Timeline for sanction of loans
7 Source of fund and the
interest rate ( leakage )
8 Feasibility of Cash credit in
Housing loan
9 Region Level orientation of
Housing