Application ID - 304230830028616
CONTROL REPORT
ADB SAKOLI
Product No. description AUTO LOAN
Application Form No. 304230830028616
Application Date 30/08/2023
Applicant Details
A p p l i c a n t Applicant Name Relation Resi. Phone Mobile Age Existing No. Of NET WORTH
Type Number Customer Dependent (Opinion
s Report
compiled)
APPLICANT MANISH - 9021020858 48 Y - ₹0
KANHAIYALAL
LOHIYA
Address Details
A d d r e s s Address:1st Line Address:2nd Address:3 Country District Sub Village/ PinCode Phone
Type Line rd Line District Town
RESIDENTIA SAUNDAD SAUNDAD - India Gondia - GONDIY 441806 9021020858
L_ADDRESS A
PERMANEN AT SAUNDAD PO SAUNDAD - India Bhandar - NAGPU 441802 9021020858
T_ADDRESS a R
OFFICE_AD SAUNDAD SAUNDAD SAUNDAD India Gondia GONDIY 441806 9021020858
DRESS SAUNDA A
D
Documents Obtained
[Link]. Document Name Entered By(PF Number) Verified By(PF Number)
Application Summary
Scheme SBI Car Loan Product Code 64503059
Product Description MC-CAR LOAN-NEW FXD RT
Borrower Category INDIVIDUAL Source Code 1817
Sourcing Branch ADB SAKOLI Sourcing Officer Name RAHUL KAWARE
Loan Requested ₹ 1190000 Tenure (in months) 84
Loan Amount Sanctioned ₹ 1190000 Rate/EMI flag RATE
1817 - ADB SAKOLI 304230830028616 6622585 30/08/2023 [Link]
Page 1 of 9
LTV (%) 89.9 Margin 133634
Margin(%) 10.1% Loan Purpose SBI Car Loan
Maximum EMI ₹ 31786 Loan Purpose SBI Car Loan
eligible(For proposed Description
Loan)
Security Coverage 1323634
Eligibility Criteria
Loan Amount Maximum Loan (Asset Cost - Maximum Loan Amount FINAL ELIGIBILITY
Applied Amount Entitled as Applicable Entitled (As per AMOUNT(Lowest of
per the scheme Margin money) permisible EMI/NMI the Four)
Ratio)
₹ 1190000 ₹ 1191270 ₹ 1190000 ₹ 1960133 ₹ 1190000
Interest Rate
Tenure (in Float/Fixed Fixed Interest MCLR(%) Spread Applicable Concession Rate (%)
months) Flag Rate (%) (%) Processing
(inclusive of Charge
moratorium)
84 Fixed 9.25% 8.55% 0.80 % 0.25 0..10 %
Interest Rate ...CONTD..
Special Effective Rate (%) EMI amount Approval Authority
Concession (%)
NA 9.25% ₹ 19298 INR NA
EMI_NMI_RATIO
Maximum permissible Existing EMI NMI EMI NMI ratio(%) Permissible EMI/NMI
EMI(For proposed obligations including present ratio
Loan) loan
₹ 31786 ₹0 ₹0 36.43 60
Employment / Business Details
Applicant Applicant Name Employer Designation No of years Business Nature Of Business
Type Name in Name Business / Since
Employment Employment
APPLICANT MANISH - - 21.0 BABA - 21
KANHAIYALAL RAMDEV
LOHIYA RICE MILL
SAUNDAD
Income Details
Applicant Applicant Name Gross Monthly Deductions (Other Net Monthly Income
Type Income (from all Than Considered In
sources) RAAS)
APPLICANT MANISH KANHAIYALAL ₹- ₹0 ₹ 52978
LOHIYA
1817 - ADB SAKOLI 304230830028616 6622585 30/08/2023 [Link]
Page 2 of 9
Existing Obligations (other than the deduction considered in income details)
Applicant Obligatio Bank Consider Current Loan Existing EMI Reason for
Name n Type ed for Outstandi Amount obligations (For not
EMI/NMI ng Loan Eligibility) considering
ratio Amount
the Existing
EMI
MANISH EB MSME SBI ₹Y ₹ ₹ 1190000 ₹0 -
KANHAIYA CC USUAL 6110272.83
LAL CREDIT
Charges/Margin Money
Charge Description Amount in
Margin money paid to the dealer ₹ 133634
Margin money to be transferred from Customer to ₹ 0
dealer
PROCESSING FEE ₹ 3511
Bank Statement
Applicant Bank Name Account Type [Link] years Branch Name Branch Avg. Balance
Name Banking Code
MANISH SBI Business ADB SAKOLI 1817
KANHAIYALAL Account
LOHIYA
NEW VEHICLE DETAILS(Primary Security)
Model Category Asset Variant Year of Vehicle Dealer Proforma Proforma
Details Manufacture Cost(Includes Name Invoice No Invoice
registration, Date
insurance)
XUV 300 CAR W6 (Diesel) 2023 1323634 PROVINCIA 1377 2023-08-28
L [Link].0
AUTOMOBI
LE
COMPANY
PVT LTD
CERTIFIED CAR DETAILS
Model Category Year of Seller's Name Vehicle Cost Proforma Proforma
Manufacture Invoice No Invoice Date
- - - - -
2(i)Collateral Detail(Loyalty Car loan)
Collateral Security Detail Security Value LTV
1817 - ADB SAKOLI 304230830028616 6622585 30/08/2023 [Link]
Page 3 of 9
2(i)Collateral Detail(Loyalty Car loan)....CONTD..
Collateral Lien Title Collateral Cross Collateral Insurance
2(ii)FD AS Collateral(Assured Car Loan)
FD Number Amount Maturity Date Rate(%) Branch
₹ SBI
USED VEHICLE DETAILS (STAFF)
Model Category Year of Appraiser Appraised Date
Manufacture
- - -
USED VEHICLE DETAILS (STAFF)...CONTD..
Appraised Value Seller's Name Vehicle Cost Proforma Invoice No Proforma Invoice
Date
- ₹-
Dealers Details
Dealers name Dealers Code Address Line 1 Address Line 2 Phone No. IFSC code
PROVINCIAL SP010071 G17 18 CENTRAL MIDC G17 18 CENTRAL ICIC0000059
AUTOMOBILE P010071 ROAD HINGNA MIDC MIDC ROAD HINGNA
COMPANY PVT NAGPUR 440 028 M NO MIDC NAGPUR 440
LTD 9763728915 EMAIL ID 028 M NO 9763728915
Dealers Details...CONTD..
Mobile No. Email id Dealer A/c No. Bank Name Bank Branch Mode of
Payment
7104666555 [Link] 005951000053 ICICI BANKING CIVIL LINES NEFT
@PROVINCIALA CORPN LTD.(ICI) NAGPUR
[Link]
RO Verification
Customer Name Verification Type Agency/Inspecting Official Agent Name
(IO)
1817 - ADB SAKOLI 304230830028616 6622585 30/08/2023 [Link]
Page 4 of 9
MANISH KANHAIYALAL BANK OFFICIAL INSPECTING OFFICIAL RAHUL RAJENDRA KAWARE
LOHIYA
Date of Verification Result Remarks
28-08-2023 Approved VERIFIED THE RICE MILL AT SAUNDAD AND MET MR.
MANISH ON SITE MILL IS OPPOSITE TO THE DURGA
RO Verification Status
RO Verification Status Remarks
Completed VERIFIED THE RICE MILL AT SAUNDAD AND MET MR. MANISH
ON SITE MILL IS OPPOSITE TO THE DURGA MANDIR, SAUNDAD
Deviations
Deviation Status Verified By Approval No. Approval Remarks
Description
Concessions
Concession Status Verified By Approval No. Approval Remarks
Description
Scoring Remarks
APPLICANT CIBIL TU Bureau RSM Score Score Description Remarks
TYPE Score
APPLICANT -1 CIBIL 49
Hunter Summary
Hunter Status NO MATCH
Hunter Rule Code Summary
Rule Code Rule Code Description
NA NA
Hunter Decision Summary
Decision at Stage Decision PF Index No. Decision By Decision Date
NA NA NA NA NA
Recommenders’ remarks
Notepad Remark Date Added by user
RECOMMENDED FOR SANCTION 30/08/2023 6622585
Underwriter’s remarks
Notepad Remark Date Added by user
1817 - ADB SAKOLI 304230830028616 6622585 30/08/2023 [Link]
Page 5 of 9
SANCTIONED CAR LOAN OF RS. 1190000/- AS 30/08/2023 6520820
RECOMMENDED
Decision at Stage
Decision at Stage Decision Comments PF Index No. Decision By Decision Date
PROCESSING STAGE RECOMMENDED FOR 6622585 Nandini Madhaorao 30/08/2023
SANCTION Gaidhane
UNDERWRITING SANCTIONED CAR LOAN OF RS. 6520820 RAHUL RAJENDRA 30/08/2023
STAGE 1190000/- AS RECOMMENDED KAWARE
Document Checklist
S r . Name of the SITE for verification What can be seen at the What to be Verified Result of
No web site online
verification
1 [Link] know PAN Number, Name, IT PAN of Borrower VERIFIED
your jurisdictional A.O Jurisdiction which may
approximately match that
given in ITR of borrower
etc
2 [Link] know PAN Number, Name, IT Pan of employer as VERIFIED
your jurisdictional A.O Jurisdiction which may mentioned in form 16
approximately match that
given in ITR of borrower
etc
3 [Link] Apart from above it also PAN of Borrower Pan of NOT-
/[Link] gives address as per PAN employer as per as form 16 VERIFIED
4 [Link] know TAN is applicable to those TAN of borrower NOT-
your TAN who are supposed to VERIFIED
deduct TDS i.e. if
Borrower deducts TDS as
well as employer
5 [Link] know TAN is applicable to those TAN of employer as per NOT-
your TAN who are supposed to form 16 VERIFIED
deduct TDS i.e. if
Borrower deducts TDS as
well as employer
6 [Link] TIN-Businessman/Self TIN of borrower NOT-
[Link] Select-> Dealer/Form Search->I agree-> Employed/Professional VERIFIED
Search by TIN who pay VAT will have
TIN
7 [Link] Select-> Businessman/Self STRN of borrower NOT-
Assessee Code Based Search Employed/Professional: VERIFIED
subject to Goods and
Services Tax will have
Goods and Services Tax
will have Goods and
8 [Link] Select from the Form 16 from Traces Verify with 7 digit certificate NOT-
top->Taxpayer>Select from the left-hand side number on form 16 VERIFIED
column->View TDS/TCS Credit->Select -
>verification code->verify TDS certificate
1817 - ADB SAKOLI 304230830028616 6622585 30/08/2023 [Link]
Page 6 of 9
S r . Name of the SITE for verification What can be seen at the What to be Verified Result of
No web site online
verification
9 [Link] Select from the Form 16 Manual (Non- Check with the NOT-
top->Taxpayer>Select from the left-hand side traces) employer/deducter. Probe VERIFIED
column->View TDS/TCS Credit>Select - deeply
>verification code->verify TDS certificate
10 [Link] Select-> ITR-V Status of Income tax return VERIFIED
Receipt Status Acknowledgement receipt electronically filed by
(ITR-V) can be verified borrower
11 Voter ID (if submitted) - Visit the --- --- NOT-
site:[Link] Select YOUR VERIFIED
NAME IN VOTERS LIST->Select State ->Feed in
electoral photo ID card number(even if only ID
card number is fed in it accepts it)->Select Search
12 [Link] Tax Paid Challan Of the borrower VERIFIED
rAjax
Note:
(i) KYC and income Documents are to be verified invariably in internet wherever possible.
(ii) Probe deeper if inconsistencies and computational error are found in documents.
(iii) Most of income related registration nos. like PAN/TAN/TIN/TAX challans can be easily verified in
internet to find out its authencity. Hence it is placed higher in the check list.
(iv) This check list is supplementary to Pre-sanction Survey & post sanction inspection and it is to be
kept with the loan papers.
(v) This check list is supplementary to verification, if any done by outside agency.
(vi) The check list given above is only indicative and not exhaustive.
(vii) Pre sanction survey and Post sanction are to be done meticulously.
(viii) Print out of the online verification output duly signed by processing/sanction officer is to be kept
along with pre sanction survey/post sanction inspection for future reference.
Remarks and Recommendations:
1. SCORING REMARKS: Mentioned in the above table as per Credit Scoring Model (Refer e-Circular
sl. No 1508/2020-21 dated 26.03.2021)
2. Disbursment will be made direct to the dealer as per the proforma invoice, and after the Bank is
satisfied about the end use of funds.
3. Hypothecation charge of the vehicle will be created and Bank's charge to be noted with R.T.O.
1817 - ADB SAKOLI 304230830028616 6622585 30/08/2023 [Link]
Page 7 of 9
4. The Branch has canvassed & complied with KYC guidelines and verified the photo copies with
originals. CIBIL report and de-dupe referral does not show any adverse remarks and RBI Default list
do not reveal Applicant's name.
We confirm that CIBIL Consumer Credit Information Report (s) have been obtained/generated in
respect of each of the co-borrower(s) and guarantor(s) (if any) and have been properly taken into
account as per Bank's extant guidelines.
5. In view of what is stated herein and in the Branch proposal and application, Auto Loan of ₹
1190000 is hereby recommended for *sanction/*decline (*Delete whichever is not applicable) to
MANISH KANHAIYALAL LOHIYA S/O D/O W/O KANHAIYALAL. The recommendations are also on
the usual terms & conditions governing the advance and those given in various circulars issued by the
Bank from time to time. It will be ensured that the same are followed meticulously before the loan is
released to the Borrower. Borrower and Guarantor will be advised to open S.B. a/c for eventual tie-up,
if not made already and explore the possibility of booking their other good business.
6. Insurance : The Vehicle will be comprehensively insured.
7. Periodical inspection: For Standard Asset accounts periodical inspections are waived after the
initial inspection. However, if there is a default of 1 monthly instalments, inspection would be required.
In case of NPA accounts inspections should be made twice a year. Inspection register is to be
maintained properly. The inspection charges are to be recovered every time an inspection is carried
out as per the laid down instructions. The inspection fee of Rs.350 will be recovered by the inspecting
branch by raising a debit on the financing branch and credit it to its commission account.
[Link] ownership vehicle which is put up for sale under certified pre owned should not have changed
more than times * (Applicable for Certified Car loan)
PROCESSING OFFICER(6622585 - Nandini Madhaorao Gaidhane)
DESIGNATION:Deputy Manager
SCALE:2
STATE BANK OF INDIA BRANCH:ADB SAKOLI-1817
DATE:30/08/2023
Loan Sanctioned By Sanctioned Date Proposal Number
RAHUL RAJENDRA KAWARE 30/08/2023
SANCTIONING OFFICER(6520820 - RAHUL RAJENDRA KAWARE)
DESIGNATION: Manager
SCALE:3
STATE BANK OF INDIA BRANCH:ADB SAKOLI-1817
DATE:30/08/2023
For control purpose (TO AGM, ADB SAKOLI)
The sanction is reported for control. Kindly note and return duplicate hereof having noted the same.
We confirm that (i) Genuineness of salary slip/income tax return has been verified (ii) Proof of
residence of borrower / guarantor has been obtained and verified (iii)identification of borrower /
guarantor has been verified (iv) Pre-sanction survey has been conducted /waived* (* Delete
whichever is not applicable)(v) KYC norms has been complied with. It has to be ensured that all the
stipulations and terms and conditions are strictly complied with before the loan is released.
1817 - ADB SAKOLI 304230830028616 6622585 30/08/2023 [Link]
Page 8 of 9
SANCTIONING OFFICER(6520820 - RAHUL RAJENDRA KAWARE)
DESIGNATION: Manager
SCALE:3
STATE BANK OF INDIA BRANCH:ADB SAKOLI-1817
DATE:30/08/2023
Resubmission of OCR
OCR Resubmitted By
OCR resubmitting OCR resubmitting OCR resubmitting OCR resubmitting OCR OCR OCR
Official PF Id Official Name Official Remarks Official Scale resubmitting resubmitting resubmitting
Official Date Time
Designation
Status of Control Return
Underwriter
U n d e r w r i t e r Underwriter Underwriter Underwriter Underwriter Underwriter Underwriter
PF id Name Remarks Scale Designation Remark Date Remark Time
Scrutinizer
Scrutinizer Scrutinizer Scrutinizer Scrutinizer Scrutinizer Scrutinizer Scrutinizer Scrutinizer
PF id Name Decision Scale Designation Remark Remark Date Remark Time
Controller
C o n t r o l l e r Controller Controller Controller Controller Controller Controller Controller
PF id Name Decision Scale Designation Remark Remark Date Remark Time
Controlled
CONTROLLING OFFICER( - )
DESIGNATION:
SCALE:
STATE BANK OF INDIA BRANCH:-
DATE:30/08/2023
1817 - ADB SAKOLI 304230830028616 6622585 30/08/2023 [Link]
Page 9 of 9
