of Business & Address

Designation Doctor
No. of years in present service 1 Years 2 Months
/business
Gross Annual Income (Amount In Rs.)
Particulars 2022-2023 2021-2022 2020-2021
Salary / Income 0 0 0
Other Income, if 19,90,322 8,47,452 8,47,452
any
Depreciation, if 0 0 0
any
Gross Income 19,90,322 8,47,452 8,47,452
[Total]
(Minimum past 2 years ITR/Form No.16 for Salaried/Pensioner , Self
Employed/Professional and Minimum past 3 years ITR for Businessman
/Independent Entrepreneurs)
Net worth Not Provided
Banking with us since
Saving Bank account no. Not Available
Other deposit details Not Available
Details of existing credit Not Provided
facilities, if any

Present Request Rs. 9,40,000 /- (Rupees Nine Lakh Forty Thousand only)
KYC norms complied Yes

DEVIATION, IF ANY
NIL
INCOME CRITERIA:

For Self Employed/ Professional /Business Class & Farmer Applicant:

(Amount in Rs.)
Sr. No. Particulars 2022-2023 2021-2022 2020-2021 Total Average
Income Details of Ashishkumar Vishnudas Doshi ( Applicant )
1 Annual 19,90,322 8,47,452 8,47,452 28,37,774 14,18,887
Income (As
per ITR /
Income
Certificate)
2 Monthly 1,65,860 70,621 70,621 2,36,481
Income
[Annual
Income / 12]
3 2 * Average 24,56,817
Annual
Income
4 Gross 6,45,160
Taxable
Income of
latest year
(As per ITR)

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5 2 * Gross 12,90,320
Taxable
Income of
latest year
(As per ITR)
6 Eligible Loan 12,90,320
amount -
Lower of [
24,56,817 or
12,90,320 ]
7 Total Eligible 12,90,320
Loan Amount
(In case of agriculturists not filing ITRs, latest Income Certificate issued by Tahsildar / Mandal Revenue Officer /
Revenue Department Officer having State level Gazetted rank / Income certificate issuing authority notified by GOI can
be accepted for sanction of loan)

COST & MEANS OF THE PROJECT:

(Amount In Rs.)
Particulars of Cost Amount Means Amount
Ex Showroom Price 10,54,990 Bank Loan ( 79.35 %) 9,40,000
RTO Tax / Registration 88,637 Own Contribution ( 20.65 2,44,627
Fee %)
Insurance 41,000
Total 11,84,627 Total (100%) 11,84,627
Accessories 27,149

Required Margin 15.0 % Actual Margin 20.65 % .

Authorized Dealer - Quotation obtained from Panchjanya Automobile dated 05/09/2023 located at BHOSARI
PUNE and the authenticity of the authorized dealer of the company/supplier of the vehicle is ascertained.

COMPUTATION OF ELIGIBLE LOAN AMOUNT:

S.No. Particulars Amount (in Rs.)
1 Eligible amount as per Income criteria 12,90,320
2 Loan amount requested 9,40,000
3 Cost of the Vehicle 11,84,627
4 85 % of Cost of the Vehicle 10,06,933
5 Maximum Loan under the Scheme 1,00,00,000
6 Lower of [ 12,90,320 , 9,40,000 , 10,06,933 & 9,40,000
1,00,00,000 ]
7 Loan amount to be considered 9,40,000

REPAYMENT CAPACITY:
S. No. Particulars Amount
Applicant has requested for repayment period of 84 months.
1 Gross Monthly Income 1,65,860
2 Permissible Deductions – 65 % to Gross 1,07,809
Monthly Income
3 Existing Deductions Existing Loan EMIs 42,054
Other Deductions, if 3,600
any
Total Deductions 45,654
4 Amount available for repayment of proposed 62,155

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 Loan ( 1,07,809 - 45,654 )
5 EMI for Loan amount considered [ 9,40,000 ] 15,076
(@ 8.90 % for 84 months)
6 Quantum of loan based on amount available 38,75,411
for EMI [ 9,40,000 * 62,155 ] / 15,076
7 Maximum Eligible Loan amount (Lower of 9,40,000
9,40,000 or 38,75,411 )
8 EMI of eligible loan amount (EMI of 9,40,000 ) 15,076
(@ 8.9 % for 84 months)
9 Total Deductions including existing 60,730
deductions ( 45,654 + 15,076 )
10 % of Deductions to Gross Monthly Income 36.62
11 Loan to value (%) [ 9,40,000 / 11,84,627 * 100] 79.35

CIBIL REPORT:
Name of Applicant CIBIL Transunion Score Personal Loan Score
Dr.Ashishkumar Vishnudas Doshi ( 782 780
Applicant )
Date of CIBIL Report 08/09/2023
Comments no adverse remarks in CIBIL report of applicant, one housing loan
is reflected which is standard and regular

SCORE AS PER CREDIT SCORING MODEL:

Total Score Credit Grade Remarks
71 Grade - 2 Clear Sanction
Comments

DUE DILIGENCE:
1 CIBIL Defaulters List (Suit Dr.Ashishkumar Vishnudas Doshi ( Applicant ) - NA
filed accounts):
2 CIBIL Defaulters List (Non Dr.Ashishkumar Vishnudas Doshi ( Applicant ) - no details
suit filed): Date of Report - 30/06/2021
3 Central Fraud Registry : Dr.Ashishkumar Vishnudas Doshi ( Applicant ) -
4 Additional Due Diligence
Agency

VISIT DETAILS:
S. No. Particulars Remarks by Visiting Official/s
1 Name of the Visiting Official / Rasik Dhoble (P.F. No. 33076 , Designation - DEPUTY
Staff MANAGER )
2 Date of Visit 07/09/2023
3 Place of Visit Corresponding/Local Address - Flat No 723 , Ganesh
Nakshatram , S No 127 D S K Road , Dsk Road , Dhayari , Pune
City , Pune , Maharashtra , 411041
Office/Business/Employer Address-
4 Observation, if any ok

BRIEF NOTE:
# Detailed Data Entry # :- Mr Ashishkumar Doshi is BHMS graduate. He has worked at various places as
admin head. Last year he has joined MIT Vishwaraj Hospital Lonikalbhor pune as general manager
sales. He is receiving salary as professional consultant. He has one daughter who is working in USA.
# Credit Appraisal Branch # :-

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CONTROL & MONITORING:
In respect of existing credit facilities if any:
i) Non-Compliance of Terms of sanction - NOT APPLICABLE
ii) Inspection and Audit Comments (Only Unrectified Irregularities, if any to be mentioned) - NOT APPLICABLE

DELEGATION OF POWERS:
The Proposal falls within the Delegated Powers of Branch Manager .

RECOMMENDATIONS:
We confirm that:
a) The proposal complies with current Lending Policy guidelines / Maha Super Car Loan Scheme guidelines.
b) We are satisfied with the overall viability of the proposal.

In view of above, Maha Super Car Loan Scheme is sanctioned to Dr.Ashishkumar Vishnudas Doshi on the
following terms & conditions:

1 Product Code 6812-3475

2 BSR activity code 40146 - VEHICLES - FOUR WHEELER-RETAIL
3 Name of the Scheme Maha Super Car Loan
4 Name of the Co Applicant/s Not Provided
5 Amount of Facility Rs. 9,40,000 /- (Rupees Nine Lakh Forty Thousand only)
6 Purpose Purchase of New Four Wheeler - Tata Altroz Cng Xz + Os
7 Category Non-Priority
8 Security Hypothecation of vehicle to be purchased - Tata Altroz Cng Xz +
Os costing Rs. 11,84,627
9 Name of the Guarantor/s Not Provided
10 Margin 20.65 %
11 Rate of Interest RLLR 9.30 % + -0.30 % - 0.10 % i.e. 8.90 % p.a with monthly
rests
12 Repayment Period 84 Months
13 Mode of Repayment Equated Monthly Installment
14 EMI Rs. 15,100 /- starting from 08/10/2023
15 Processing Fees Rs. 0.00 /- i.e. 0.25 % of loan amount + GST (Min. Rs. 1000/- &
Max. Rs. 15000/-)
16 Documentation Charges Rs. 2,218 /- (i.e. 0.20 % of loan amount, subject to minimum of
Rs. 1000/- and maximum of Rs. 10000/- + GST)
17 Credit Information Report Rs. 236 /- (Rs. 100/- Per person plus GST)
Charges
18 CERSAI Noting Charges As per HO guidelines

SPECIFIC TERMS & CONDITIONS:

Note prepared by

Processing Officer
RASIK LAXMANRAO DHOBLE
( DEPUTY MANAGER )

Sanctioned by

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SUHAS BALASAHEB FUNDE
Branch Manager
PUNE-NANDED PHATA

OTHER TERMS AND CONDITIONS:

1 Sanction letter containing all the terms & conditions of sanction should be issued to the borrower/s
and guarantor/s & his /her /their consent /acknowledgement on the copy for having accepted all the
terms & conditions mentioned in the sanction letter be obtained.
2 Irrevocable undertaking by the borrower/s authorizing the bank to recover the loan installments from
his /her Salary account / Saving account with the branch directly.
OR
Branch has to mandatorily take NACH debit mandate from the borrower/s wherever they are not
having salary / main business account with our bank.
3 Disbursement should be made only after compliance of all the terms & conditions of sanction and
after obtaining proper documentation. In case of loans to corporate clients, copy of necessary board
resolution be obtained and kept on record.
4 The price of the vehicle be cross checked from website of concerned company.
5 Banks charge be registered with RTO & blank TTO transfer form in duplicate duly signed by the
borrower, be obtained
6 Copy of RTO registration certificate /smart card denoting our Banks hypothecation charge to be
obtained & kept on record.
7 Disbursement should be made through RTGS/NEFT only in favour of authorized dealers on
ascertaining the account details of the dealer personally (by visiting dealer personally or by
obtaining letter confirming account details). Proper acknowledgment or money receipt for the same
should be obtained & kept on record. A letter must be issued to bind the dealers at the time of
delivery of payments for providing the vehicle & documents viz. RTO & insurance paper etc.
8 Branches should ensure receipt of invoice & insurance with banks clause from the dealer. The
dealer on receipt of money is bound to provide invoice & insurance with banks clause.
9 The Interest rate is linked to RLLR. The RLLR and the actual lending rate are subject to review and
variation from time to time as per RBI guidelines.
10 The changes in the RLLR and the actual lending rate will be notified by Bank from time to time
including in the Banks website.
11 Whenever there is increase in rate of interest, EMI should be increased so that the entire loan is
repaid within the stipulated repayment period. The consent from borrowers should be obtained for
such increase in EMI. Accordingly, EMI should be recovered to avoid over dues/irregularity in the a
/c.
12 In case at the time of periodic review of the account, if any overdue, in the Interest / principal is
observed, the same should be paid by the borrower along with interest immediately over & above
the regular installments. An undertaking for the same be taken.
13 The delay in payment of Installment shall render the borrower liable to pay additional interest @ 2
% p.a. (with monthly rests or such higher rate as per rules of the Bank and or RBI in that behalf as
in force from time to time). In such an event, borrower shall be liable to pay incidental charges and
costs to the bank. This shall be in addition to and without prejudice to the rights available to the
Bank.
14 The additional interest as mentioned in (13) above, shall be calculated for the amount in default and
period of default, which shall be payable immediately, i.e. before or along with the ensuing monthly
Installments.
15 Post sanction inspection to be done by the branch and the details embossed in the vehicle viz.,
engine number, chassis number etc. should be inspected personally and verified from
Hypothecation letter from RTO and a report be kept on record .
16 The borrower should submit an undertaking to the effect that the vehicle purchased with Banks
assistance will not be sold during the currency of the loan
17 Branch to explore the possibility of insuring the vehicle through Banks Agency with United India
Insurance Co. Ltd. or Future Generali India Insurance Co. Ltd.
18 KYC norms in respect of all the persons involved to be strictly adhered to, at the time of
disbursement.

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19 End use certificate from borrower/s for loan amount of Rs. 10.00 lakh and above certifying that
funds have been used for purpose for which the facilities have been sanctioned should be obtained.
20 This sanction shall lapse automatically, in case the sanctioned facility is NOT utilized within 3
months from the date of above sanction
21 The borrower/s shall inform the Bank in writing about any change / loss of Job, business, profession
(as case may be) immediately after such change / loss, if any.
22 The amount of this loan has been fixed, inter alia, on the cost estimates / agreements submitted by
borrower/s. In the event of the cost actually incurred less, Bank reserves right to suitably reduce the
amount of the loan.
23 This letter of sanction shall stand revoked and cancelled and shall be absolutely null and void if:
(a) there are any material changes in proposal for which this loan is, sanctioned.
(b) any material fact concerning income, net worth, or ability to repay, or any other relevant aspect
of your proposal or your application for loan is faulty, suppressed, concealed or not made known to
us.
(c) any statement made in the loan application is found to be incorrect or untrue.
24 The EMI comprises of principal and interest calculated on the basis of monthly rests at the
applicable rate and is rounded off.

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