Chetna Adhiya.docx

DISCUSSION SHEET PD Initiation Date: 11/10/2018

PD Conducted Date: 12/10/2018 PD Conducted Time :01.30 PM

PD Report Date: 13/10/2018

Application No

NA

Applicant Name

NA

Applicant Date of Birth

07/03/1969.

Loan amount required

He requires HL of Rs.08 lakhs approxfor purchasing Resale Residential property.

Product – HL/LAP/NRPL

Home Loan

Applicant’s Profile Details of Applicant’s family members & their Occupations

NA

Qualification of applicant

He has studied till 7thfrom Maharashtra.

Name of the firm

NA.

Neighbors check

TPC was done with the Mr. Khanresiding nearby of visited premise and got positive response about applicant and his job.

Type of Firm

NA

If Partnership or Private Ltd Firm Date of incorporation

NA

If Partnership / Private Ltd

NA

Business License Details

NA

Nature of Business

Applicant issalaried at M/s. New Way Travels. As per applicant he drives bus for M/s. New Way Travels for which he receives monthly salary of Rs. 24,000/- approx. He drives bus in various regions of Hyderabad, Bangalore, Goa and all over Mumbai. As per applicant, his operating timing is from 8:00 AM to 06:00 PMwith weekly offon Sunday. As per applicant, his monthly salary is of Rs. 24,000/-approx..

Any Other Business Location /Godown / Offices / branch address or any other Source of Income

NA

Office address details with

His office address is located at Malad. (Further address details were not provided.

nearest Land Mark (Office Stability) PD Conducted at

NA

Business location

Visited premise was situated in residential area of Mira Road (E).

Number of years in the present premise

Since last 04years.

Ownership of business premises

Rented

Product / Service provided

NA

Major Customers

NA

Major Suppliers

NA

Employees

NA

Monthly Sale with Margin

As per applicant, his monthly salary is of Rs. 24,000/- approx

Activity & Stock Observations

NA

Documents Verified to justify T/o – Sales Bill, Purchase Bill, Invoice. Verification of Original ITRs along with P&L and Balance sheets .etc

Applicant didn’t provide ITR or Salary Slip.

Details of Property to be Mortgaged. Nearest Land Mark and owners’ of the subject property

He is going to offer his purchasing residential property as a collateral security for this loan. The details of which is as follows:

Other Assets / investment details (if any)

He pays LIC premium of Rs. 12,000/- approx. per annum.

Residence Details



AddNA

He resides in NA

Nearest Land Mark (Residence Stability) Loan Details

Loan type

Institution

Sanction amount approx

Outstanding Amount approx

EMI approx

None

Existing Relationship with DHFL

No

Banking Habits



Credit Card Details

None.

Loan Purpose

He requires HL of NA. (Initiated loan amount is Rs. 30 Lakhs approx..)

He has NA approx.



Documents Seen / verified

PAN card having no. NA 11-05-1984 and it is valid till 1803-2021.

As per Observation:  Visited premise was located at residential area of Mira Road. 

At the time of visit, residential set-up, family members were seenetc was seen.



He provided Pan Card, Aadhar Card,Driving License,etcfor verification.



He did not provide, ITR for the AY 2018-19 and AY 201718,Electricity Bill of visited premise,Bank Passbook, Salary Slip, Employer ID etc. for verification.



He didn’t have any loan obligation as on date.



Applicant is Salaried NA residing nearby of visited premise and got positive response about applicant and his job.

`

Mr. NA

PD done by (Name of the verifier)

MrNA

Status:Negative. (On the basis of documents provided.) Agency Seal & Verifier Sign