To

The Branch Head,

Capital Small Finance Bank, Millerganj
Sub.: Valuation Report
1 Name of the borrower. Mrs. Nikita Khanna W/O. Mr. Rajesh Khanna
2 Name of the owner of the property Mrs. Nikita Khanna W/O. Mr. Rajesh Khanna
3 Purpose of valuation To ascertain the present market value of the land
and building as on date
4 Date of valuation 05/06/2024
5 Description of property(Give complete location It is a Residential Building #115-D , Situated at
with address) Village Sunet, Abadi B.R.S Nagar, tehsil&distt.
Ludhiana.
6 How the present owner has acquired the title:
a) Through inheritance
b) Through sale. Through Sale deed no. 9936 dated 19.10.2021 &
9935 dted 19.10.2021
c)Through gift etc.
7 Nature of property:
a) Residential/Commercial/both. Residential
b) Plot/constructed. Constructed
c) Single/Double/Triple storey etc Triple
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
Falls in Municipal Limits
d)Falls in municipal limit/outside municipal limit
Side/Boundaries of the property
Side As per Sale deed no. As per Sale deed no. Actual at site (B)
9936 dated 9935 dated
19.10.2021(A) 19.10.2021 (A)
NORTH Plot #116 Plot #116 Others
SOUTH Street 45’ Wide Street 45’ Wide Street 45’ Wide
EAST Plot #140 Plot #140 Others
9 EST Street 30’ Wide Street 30’ Wide Street 30’ Wide
10 Documents seen for establishing the title of the Sale Deed no. 9936 dated 19.10.2021 & 9935
property(whether original/photocopy) dated 19.10.2021
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 mortgage of
lease hold rights. N.A.
13 If the property is constructed furnish the
following details:
a)Whether the building is self-owned/rented Self Owned
b)Whether the building is partly rented/partly
self-owned N.A.
c)Details of rent received
d) It is single/double/multi storey Triple
e) Future life of constructed building 30
f) Total covered area, Floor wise
Ground Floor 2,100sq.ft.
F.F. 2,100sq.ft.
Second Floor 410sq.ft.
Total Covered area 4,610sq.ft.
g) Description of the construction made As Detailed
h)Class of construction A
14 Give details of water and electricity charges if N.A.
any, Bills are paid by whom
15 Whether the property is subject to property tax, if N.A.
yes, give details and ensure it is fully paid.
16 If the property is subject to any acquisition under N.A.
any scheme of the Government(Present/near
future)
17 If the property is subject to any dispute with the N.A.
land lord/Govt./any other person.
18 Bases of land rate adopted. As per Market Enquiries
19 Give instances of sale/purchase of immovable As per Market Enquiries
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 Marble Flooring
Roofing & Terracing R.C. Slab
Compound Wall 1st Class B.B. Work in cement mortar
21 Special Architectural or decorative features if normal exterior & interior
anyFeatures
22 Valuation of Land
Land Unit Prevalent in the area Sq.yd.
1 Sq.yd. 9.00sq.ft.
Dimensions of the property
Side As per Sale deed no. As per Sale deed no. Actual at site (B)
9936 dated 9935 dated
19.10.2021(A) 19.10.2021 (A)
NORTH Not Mentioned Not Mentioned 75’-0”
SOUTH Not Mentioned Not Mentioned 75’-0”
EAST Not Mentioned Not Mentioned 30’-0”
EST Not Mentioned Not Mentioned 30’-0”
Land area as per Deed 250 Sq. yd.
Land Area actual at Site 250 Sq. yd.
Area of land considered for valuation 250 Sq. yd.
Prevailing Market Rate ₹ 80,000 Sq.yd.
Value of Land ₹ 2,00,00,000
23 Cost of Construction
Plot Area 2,250sq.ft.
Permisssible Plot Coverage 1,463sq.ft.
Maximum Covered Area as per F.A.R. 3,713sq.ft.
Actual Plot Coverage 2,100sq.ft.
Actual Maximum Covered Area 4,610sq.ft.
Plot Coverage Considered for Valuation 2,100sq.ft.
Maximum Covered area Considered for 4,610sq.ft.
Valuation
Cost of Construction
23 S.No. Item Quantity Rate Amount Ref.
 1 Load bearing construction
with floor ht. 3.0 metres 2100 1865 3916500 PWD PAR 01.04.2020
G.F.
2
Load bearing construction
2100 1865 3916500 PWD PAR 01.04.2020
with floor ht. 3.0 metres F.F

3
Load bearing construction
410 1865 764650 PWD PAR 01.04.2020
with floor ht. 3.0 metres S.F

Total (Rs.) 8597650

4 Internal Water supply &
9% 773788.5
Sanitation Instalments
5 Civil external connection 1.25% 107470.625
6 Electrical External 3.75%
322411.875
Connection
7 Internal electric installations 12.50% 1074706.25
8 Local body approvals 3.75% 322411.875
Total (Rs.) 19796089.13
Depreciation @ 1.5% per
5938826.738
year for 20 years =3%
Depreciated Value 13857262.39
24 Total Value of Property
a) Land Value ₹ 2,00,00,000
b) Construction Value ₹ 1,38,57,262
c) Grand Total ₹ 3,38,57,262 Say ₹ 3,38,57,000/
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
for marketability, present market trends
potential ₹. 3,38,57,000// (Rupees Three Crore
Thirty eight Lakh fifty Seven Thousand only and its realizable value is ₹2,77,16,000/ (Rupees Two
Crore Seventy Seven Lakh Sixteen Thousand 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;
(c) I have personally inspected the property.
(d) I have not been found guilty of misconduct in my professional capacity.
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, Millerganj
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 no. 9936 dated 19.10.2021 & 9935 dated 19.10.2021
Dr. Rajwinder Singh Bansal
Certified that the property valued above is in my/our absolute possession and ownership, & it is the
same 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.

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