To

The Branch Head,

Capital Small Finance Bank,Malsian
Sub.: Valuation Report
1 Name of the borrower. Mrs. Pooja W/O. Mr. Jatinder Pal &
Mr. Jatinder Pal S/O. Mr. Ghanya Ram
2 Name of the owner of the property Mrs. Pooja W/O. Mr. Jatinder Pal &
Mr. Jatinder Pal S/O. Mr. Ghanya Ram
3 Purpose of valuation To assess the fair market value of the property
4 Date of valuation 16/04/2024
5 Description of property(Give complete It is a residential building at Jain Colony Shahkot,
location with address) Tehsil: Nakodar , & District: Jalandhar
6 How the present owner has acquired the
title:
a) Through inheritance
b) Through sale. Sale deed dated 15.04.2019
c)Through gift etc.
7 Nature of property:
a) Residential/Commercial/both. Residential
b) Plot/constructed. Constructed
c) Single/Double/Triple storeyetc Single
8 Classification of locality:
a) High class/middle/lower. Middle Class
b) Approved/unapproved. N.A.
c) Falls in lallakir/outside lallakir. Outside Lal Lakir
d)Falls in municipal limit/outside Within Municipal Limits
municipal limit
9 Side/Boundaries of the property
Sale deed dated Actual at Site
15.04.2019
North Not Mentioned Rajesh Kumar
South Not Mentioned Rajesh Kumar
East Not Mentioned Jaspal Singh
West Not Mentioned Street
10 Documents seen for establishing the title Sale deed dated 15.04.2019
of the property(whether
original/photocopy)
11 It is free hold/lease hold Free Hold
12 If lease hold give following details:
a) Initial premium N.A.
b) Rent payable per annum N.A.
c) Whether lease is registered N.A.
d) Period of lease N.A.
e) Any adverse clause in the lease deed N.A.
f) Whether lease deed permit the N.A.
mortgage of lease hold rights.
13 If the property is constructed furnish the
following details:
a)Whether the building is self- Self-Owned
owned/rented
b)Whether the building is partly N.A.
rented/partly self-owned
c)Details of rent received
d) It is single/double/multi storey Single
e) Future life of constructed building N.A.
f) Total covered area, Floor wise
G.F. 1,085sq.ft.
Total Covered area 1,085sq.ft.
g) Description of the construction made As Detailed
h)Class of construction N.A.
14 Give details of water and electricity N.A.
charges if any, Bills are paid by whom
15 Whether the property is subject to N.A.
property tax, if yes, give details and
ensure it is fully paid.
16 If the property is subject to any N.A.
acquisition under any scheme of the
Government(Present/near future)
17 If the property is subject to any dispute N.A.
with the land lord/Govt./any other
person.
18 Bases of land rate adopted. As per Market Enquiries
19 Give instances of sale/purchase of As per Market Enquiries
immovable property in the locality.
20 Other Misc., Technical details
Details of construction
Technical Specifications
Type of Foundation Spread Footing
Walls 1st Class B.B. Work in cement mortar
Partitions 1st Class B.B. Work in cement mortar
Flooring Vitrified Tile Flooring
Roofing & Terracing R.C. Slab
Compound Wall 1st Class B.B. Work in cement mortar
21 Special Architectural or decorative normal exterior & interior
features if anyFeatures
22 Valuation of Land
Land Unit Prevalent in the area Sq.yd.
sq.yd. 272.25sq.ft.
Dimensions of the property
Sale deed dated Actual at Site
15.04.2019
North 48'-3" 48'-3"
South 48'-3" 48'-3"
East 22'-6" 22'-6"
West 22'-6" 22'-6"
Land Area 4 Marla 4 Marla
Area of land considered for valuation 4 Marla
Prevailing Market Rate ₹ 115,000 Per
Sq.yd.
Value of Land ₹ 460,000
23 Cost of Construction
Plot Area 1,085sq.ft.
Permissible Plot Coverage 977sq.ft.
 Maximum Covered Area as per 2,062sq.ft.
F.A.R.
Actual Plot Coverage 1,085sq.ft.
Actual Maximum Covered Area 1,085sq.ft.
Plot Coverage Considered for 977sq.ft.
Valuation
Maximum Covered area Considered 977sq.ft.
for Valuation

23 Cost of Construction
G.F.
Plinth Area 977sq.ft.
Year of Construction 2019
Age of Building 5year
Plinth area rate ₹ 1430
Replacement Cost ₹ 13,97,110
Total Replacement Cost ₹ 13,97,110
Depreciation Factor(%) 0.075
Depreciation cost ₹ 1,04,783
Depreciated Cost ₹ 1,292,571
Total Depreciated Cost ₹ 1,292,571
24 Total Value of Property
a) Land Value ₹ 460,000
b) Construction Value ₹ 12,92,326
c) Grand Total ₹ 1,752,326 Say ₹ 1,752,000
Certificate :
Based on the information furnished to me, detailed inspection & measurements at site,
detailed local enquiries & taking into consideration such important features as the location
of the land, its potential for marketability, present market trends the present worth of the
property is ₹.17,52, 000/ (Rupees Seventeen lakh fifty two thousand only) only and its
realizable value is ₹.14, 90,000/ (RupeesFourteen lakh ninety thousand only)

Signature of borrower(s) Signature & stamp of the valuer

DECLARATION
I hereby declare that-
(a) The information furnished is true and correct to the best of my knowledge and belief.
(b) I have no direct or indirect interest in the property valued;
NOTE:-
1. The valuation of the property has been done on the basis of the copy of the registered deed of
the property, the information supplied by the owner / his representative and visual inspection of
the property identified by the owner in his presence & actual measurements at site. The owner
should be asked to sign this report in token of confirmation of the fact narrated in the report as
intimated by him or his authorized representatives.
2. It is advised to consult Your legal advisor about originality of the deed
3. This report is given as an expert opinion on the available material & based on the inspection
and as identified by the owners concerned, however the valuation may be taken into account
or rejected at the discretion of the bank & it is only suggestion as regards the value.
4. The legal aspects were not considered in this valuation report.
5. the legal description of the title of the property is assumed to be correct
6. This-valuation work is undertaken by me based upon the request from The Manager ,
Capital Small Finance Bank,Masian
7. If this property is offered as collateral security, the concerned financial institution is
requested to check to the extent of land as shown in this valuation report with Respect To the
latest legal opinion.
8. Value is time found & purpose found. The valuation report is as on date & for specific
purpose mentioned under I (2). The Report is not to be referred if the purpose is Different
other than mentioned (2)
9. The deed involved in the property : Sale deed dated 15.04.2019
The property which I/We have shown to the valuer Dr. Rajwinder Singh Bansal for the purpose of
assessing the market value of the property, it exists on the same plot/Khasra no. as mentioned in the
sale deed. Further certified that we have not sold /entered into an agreement to sell the whole or any
part of the property under valuation, which is being mortgaged with Capital Bank and it is free from all
encumbrances. Certified that the property valued above is in my/our absolute possession and ownership,
& it is the same
Sig. of Owner
The undersigned has inspected the property detailed in the above valuation report on---------------------
----------. I have gone through the report & am satisfied, to the best of my knowledge that the value of
the property stated at Rs.………………………………………………….by the approved valuer is realistic.

Branch Manager/Officer in charge of Advance Department

Date
 LOCATION PLAN OF THE PROPERTY

GOOGLE LOCATION OF THE PROPERTY 31°04'23.4"N+75°20'08.7"E

PHOTOGRAPH OF THE PROPERTY