GL.SERIAL NO. 06/2011-12

BORROWER'S NAME SRI ASHOK KUMAR DAS

FATHER/HUSBAND NAME S/O SUBAL KUMAR DAS

ADDRESS1 BAISI BAZAR

ADDRESS2 BAISI

ADDRESS3 BAISI

PHONE/CELL NO 9931086146

DATE OF BIRTH (MM/DD/YY) 3-Aug-89 34 YEARS

AGE 22 ERROR

LOAN AMOUNT ( IN FIG) 18000

IN RUPEES EIGHTEEN THOUSAND

DESCRIPTION OF ORNAMENTS

1 ONE PAIR EAR RING

2

3 For any suggestions Pl.Contact :

4

5

6

7

8

9

10

GROSS WT (gms.) 17.48

NET WT (gms.) 17.00

NO.OF ORNAMENTS 2

IN WORDS TWO

DATE OF LOAN (MM/DD/YY) 16-Apr-11

NAME OF THE BRANCH BAISI

NAME OF THE TOWN/PLACE BAISI

SB AC NO. 30798044912

PURPOSE OF LOAN AGRICULTURE

NO.OF ACRES:owned 5.00

Leased 0.00

NAME OF THE CROP PADDY

REPAYMENT MM/DD/YY 31-May-2011

MARKET VALUE PER GRAM 1097

SBAR 8.25

INTEREST RATE 7.00

PROCESSING CHARGES 198.00

Concessions on processing charges(if any)

For any suggestions Pl.Contact :

N H TIRUMALA RAO

9247278015

SIM-GL /1-AGGLSET -AGR 71-COMP-2640710

BAISI BRANCH

APPLICATION CUM APPRAISAL FOR LOANS AGAINST GOLD / SILVER ORNAMENTS

TO,

The Branch Manager

State Bank of India

BAISI

AGL 06/2011-12

Name of theIntroducer NOT

CIF/Ac.no APPLICABLE

Signature EXISTING CUSTOMER

Dear Sir,

SANCTION OF LOAN AGAINST GOLD / SILVER ORNAMENTS

I propose to take up the following agriculture/allied activities and request you to sanction me an

18000 /-

Rupees Eighteen Thousand Only

against the pledge of gold /silver ornaments. My particulars are furnished below:

DETAILS OF ACTIVITY(IES)

1. CULTIVATION EXPENSES IN Ac 5.00 CENTS

2

3

1. Name : Sri Ashok Kumar Das

S/O Subal Kumar Das

AGE 22 YEARS Dt of Birth 3-Aug-89

2. Address BAISI BAZAR

Baisi

BAISI

PHNO 9931086146

3.Details of activity(ies) to be under taken :As listed above

4.land Holdings in acres(if any) Owned Leased Share Cropper/Tenant Farmer

5.00Acres NIL

TOTAL ACRAGE 5.00Acres CROPS GROWN PADDY

5.Particulars of ID Proof : EXISTING CUSTOMER ,HAS SB A/C 30798044912

(For new customers only)

6. I certify that the above particulars are correct.

Place : BAISI *

Date : 16-Apr-11 Signature of the Applicant

(SIG/LTI OF ASHOK KUMAR DAS )

Signed photograph of the applicant

Signed photograph of the co- applicant

NO SECOND APPLICANT -HENCE

BLANK

Agriculture Cash Credit / Demand Loan /Term Loan amount of Rs.

APPRAISAL & SANCTIONFOR OFFICE USE ONLY

Net Weight in grms Advance Value per gr Total advance value in Rs. LOAN Amt

(A) (B) ( C)= (AXB) (D)

17 1097 18649 18000

Certified that the gross and net weight of gold ornaments, their valuation rate and advance

value as given above have been verified by me and are correct.

BAISI

Date : 16-Apr-11 Cash Officer

NEW GLOD LOAN AC NO :

1. Loan Amount : Rs 18000 /-

2. Interest Rate : 7.00 % (i.e 1.25 %p.a. above/below SBAR)

3. Repayment : 31-May-11

4. Processing charges : Rs. 198.00

Sanctioned Appraised Sanctioned

Branch : BAISI Cash Officer Sanctioning Authority

Date : 16-Apr-11

Control

Controlling Authority

Date :

SIM – GL /2

The Branch Manager

State Bank of India

BAISI AC NO :

Dear Sir,

Loan against security of gold / silver ornaments

Please take delivery of the following gold ornaments by way of pledge and grant me / us

Rs 18000 /-

Rupees Eighteen Thousand Only against security there of.

IN GRAMS

s.no Description Gr.Wt Net Wt

1 ONE PAIR EAR RING

2

3

4

5

6

7

8

9

10

TOTAL 17.48 17

No. of ornaments : 2 TWO

I/we certify that all above gold / silver ornament(s) are my/our bonafide property and no other

person has any claim against them.

On payment of all dues of the Bank, please deliver the ornaments to __________________ (to be

specified only in case of Joint accounts with a suitable option, viz. either / both of us or survivor,

former or survivor, etc.)

The security created herein above is intended to and shall operate as a continuing security for all loans

indebtedness an liabilities of the borrower(s) to the Bank at all times during the subsistence of loan(s)

notwithstanding

a. The existence of the cash credit balance or “NIL” balance in the loan accounts at any time or

any partial payment of fluctuation of accounts or

b. Any loans or any part thereof have been repaid either after demand has been made by the bank

or otherwise or has been repaid on demand

Gold / Silver Ornaments

Take Delivery Letter

an agriculture gold loan (demand loan / cash credit/ term loan) of

Yours faithfully

*

Signature(s) of borrower(s) :

Date : 16-Apr-11

SIM - GL /4

ARRANGEMENT LETTERBAISI BRANCH

To,

Shri/Smt./Kum Ashok Kumar Das

Subal Kumar Das

Baisi Bazar

Baisi

BAISI

Dear Sir,

Rs 18000 /-

With reference to your application dated 16-Apr-11 we hereby sanction you a demand loan/

Rs 18000 /- [RUPEES EIGHTEEN THOUSAND ONLY]

on the following terms and onditions:

1. Purpose: The loan is sanctioned to you as per your application dated 16-Apr-2011

2.Rate of Interest: 1.25 %p.a. above/below SBAR with a minimum o 7.00 %p.a.

In the event of a default in payment or any irregularity in account, the Bank reserves the

right to levy a higher rate of interest, as it deems fit with monthly/quarterly/Half yearly

/yearly rests. The rate of interest is subject to revision from time to time and you shall be

deemed to have notice of changes in the rate of interest whenever the changes in SBAR

rate displayed/notified at/by the branch / published in newspapers / made through

entry of interest charged in the passbook / statement of account sent to you etc. In the

event of a default in payment or any irregularity in account, the Bank reserves the right

to levy a higher rate of interest as it deems fit.

sanction is valid for three years, subject to review every year to determine satisfactory

conduct of account.

repaid on (date).

of instalments) monthly/quarterly/half-yearly /yearly Instalment of Rs.___________ and

a final instalment of Rs. ____________. (* Strike out whichever is not applicable)

4. Processing Charges:

Processing charges of Rs. 198/- is payable immediately, which will be debited to the account

5. In the event of failure to pay any single instalment, bank is entitled to call up the full loan

amount due with interest.

6. Please call on us on any working day to execute the documents. The loan is also subject to

other terms and conditions as mentioned in the document (s) executed / to be executed

in connection with the loan and as may be prescribed by the Bank from time to time. The

duplicate copy of this arrangement letter may please be returned to us duly signed by

Gold Loan Demand Loan / Agri Cash Credit / Agri. Term loan of

over- draft of

3. Repayment * : a. Cash Credit accounts: The facility is a running account and the

b. Demand loans : Payable on demand. The entire loan along with interest is to be

c. Term Loan : The loan amount along with interest is repayable in _________ (number

you s) within a period of 45 days from the date of this letter in token of acceptance of the

terms and conditions detailed herein.

Yours faithfully Received the original.

Terms and conditions accepted

*

Branch Manger Signature(s) of Borrower(s)

Date: 16-Apr-11

STATE BANK OF INDIA BAISI SIM – GL /9

Memorandum in respect of Gold / Silver Ornament(s) deposited as securityDate: 16-Apr-11

Gold Loan No. REPAYMENT : 31-May-11

Ledger Folio No. 06/2011-12

The under noted gold / silver ornament (s) have been deposited with us as security against the loan of

Rs 18000 /- Rupees Eighteen Thousand Only

advances on 16-Apr-11 to Sri/Smt ASHOK KUMAR DAS

Particulars

S.No Description Gross Wt Net Wt

1 ONE PAIR EAR RING IN GRAMS

2

17.48 17

3

4

5

6

7

8

9

10

No.Of Ornaments 2 TWO

Cash Officer Branch Manager------------------------------------------------------------------------------------------------------------------------------

STATE BANK OF INDIA BAISI SIM – GL /9

Memorandum in respect of Gold / Silver Ornament(s) deposited as securityDate: 16-Apr-11

ACNO : REPAYMENT : 31-May-11

Ledger Folio No. 06/2011-12

The under noted gold / silver ornament (s) have been deposited with us as security against the loan of

Rs 18000 /- Rupees Eighteen Thousand Only

advances on 16-Apr-11 To Sri/Smt ASHOK KUMAR DAS

Particulars

S.No Description Gross Wt Net Wt

1 ONE PAIR EAR RING IN GRAMS

2

17.48 17

3

Note : To be prepared in duplicate. One copy is to be placed in

the Gold loan bag and the other is to be given as

acknowledgement to the borrower.

4

17.48 17

5

6

7

8

9

10

No.Of Ornaments 2 TWO

Cash Officer Branch Manager

STATE BANK OF INDIABAISI

SIM-GL/9

GOLD LOAN LEDGERCIF NO./SB ACNO 30798044912

Account No

LEDGER FOLIO 06/2011-12 RATE OF INT:

1.25 % below SBAR i.e 8.25 %

D.P Note dated ### For Rs: 18000 effective Rate 7.00 % Per Annum

Name of the Borrower ASHOK KUMAR DAS

S/O,W/O SUBAL KUMAR DAS

Address BAISI BAZAR

BAISI

BAISI

PARTICULARS OF SECURITY

S.NO Description

Gr.Wt. Net.Wt Value/10gm

gms. gms. Rs.

1 ONE PAIR EAR RING

17.48 17.00 10970.00

2

3

4

5

6

7

8

9

10

18000.00LOAN AMOUNT SANCTIONED Rs.

No. of Ornaments 2 TWO

Note : To be prepared in duplicate. One copy is to be placed in the Gold loan

bag and the other is to be given as acknowledgement to the borrower.

CASH OFFICER BRANCH MANAGER

BORROWER

received the gold / silver ornaments pledged by me which is/are complete and in order

cos 229SIM GL3-AGGLSET-AGR71-COMP-2640710

DEMAND PROMISSORY NOTE

PLACE BAISIRs 18000 /- DATE 16-Apr-2011

On demand I ASHOK KUMAR DAS

S/O SUBAL KUMAR DAS promise to pay

SIGNATURE (with date)

D.P NOTE DELIVERY LETTER The Branch Manager, State Bank of India, Place : BAISIBAISI Date: 16-Apr-11

Dear Sir,

Please take the delivery of the accompanying Demand Promissory Note dated 16-Apr-2011 for Rs 18000 /- made by me in favour of in favour of State Bank of India, BAISI Branch

I further request you to note that I dispense with a notice of the dishonour in terms of Section 98 (a)

Yours faithfully,

SIGNATURE

State Bank of India BAISI Branch Or Order the Sum of Rupees Eighteen Thousand Only for value

received with interest from this date at 1.25% below/Above SBAR i.e. 7.00% with Half Yearly Rests

of the Negotiable Instruments Act 1881 and that in the event of payment not been made on demand, the

Bank is at liberty to give time for payment to either of us without discharging either of us from liability.

revenue stamp

ANNEXURE I / II

To be executed by borrower[s] / guarantor [s]

1

2

[a] information and data relating to me / us ;

3

4 I / We, undertake that :

Signature :(Borrower : Sri Ashok Kumar Das)

I / We, understand that as a pre-condition, relating to grant of the loans / advances / other non-fund-based credit facilities to me / us, *State Bank of India, requires my / our consent for the disclosure by the bank of, information and data relating to me / us, of the credit facility availed of / to be availed, by me / us, obligations assumed / to be assumed, by me / us, in relation thereto and default, if any, committed by me / us, in discharge thereof.

Accordingly, I / We, hereby agree and give consent for the disclosure by the *State Bank of India of all or any such :

[b] the information or data relating to any credit facility availed of / to be availed, by me / us, and

[c] default, if any, committed by me / us, in discharge of my / our such obligation,

as the *State Bank of India may deem appropriate and necessary, to disclose and furnish to Credit Information Bureau [India] Ltd. and any other agency authorised in this behalf by RBI.

I / We, declare that the information and data furnished by me / us to the *State Bank of India are true and correct.

[a] the Credit Information Bureau [India] Ltd. and any other agency so authorised may use, process the said information and data disclosed by the State Bank of India in the manner as deemed fit by them ; and

[b] the Credit Information Bureau [India] Ltd. and any other agency so authorised may furnish for consideration, the processed information and data or products thereof prepared by them, to banks / financial institutions and other credit grantors or registered users, as may be specified by the Reserve Bank of India in this behalf.

*The expression 'bank' includes lending institutions for the purpose.

LETTER OF AUTHORISATION

Loan No. 06/2011-12 Date: 4/16/2011

I, ASHOK KUMAR DAS do hereby undertake to pay empower the bank, now with standing the convenents in the loan documents/DP Note agreeing to pay a specificrate of interest, to charge at Bank's discretion the applicable rate of interest basing on aggre-gation of total credit facilities granted to me/us any given point of time.

This letter of authorisation/undertaking shall be read in conjuction with and in con-tinuation of the loan document(s) including the DP Note take delivery letter etc.,executed or tobe executed and shall not be treated in supercession or substitution of the convenents dealingwith the rate of interest in the loan documents including the DP Note.

SIGNED AND DELIVERED ON BAISI Signature(s) of Borrower(s)

Additions in the arrangement letter:

Interest :

In terms of RBI instructions, for short term productions credit (up to a limit of Rs.3 lacs)disbursedduring the current financial year )Kharif and Rabi seasons rate of interest charged will be 7% p.a. This concessional interest relief will be proveded on the amount of the crop loan disbur-sed from the date of disbursement/drawal up to the following dates.

Kharif disbursements:Date of payment or Coming MARCH whichever earlierRabi disbursements:Date of payment or coming JUNE whichever earlier

Please note that after the above cut off date. Bank's usual interest rate, applicable from time totime woiuld be applied on your account. Our Bank's interest rate as of now is:

1.25 %p.a. above/below SBAR with a minimum of 7.00 %p.a.

Signature(s) of Borrower(s).

(To be submitted in duplicate)

SRL.NO.1805/AGL/ 06/2011-12

STATE BANK OF INDIA

BAISICONTROL RETURN FOR INDIVIDUAL REPORTING OF AGRICULTURAL ADVANCES

1 Name of the Borrower (s) ASHOK KUMAR DAS

2 Name of the Village : BAISI BAZAR

BAISI

: BAISI

3 Date of Sanction : 16-Apr-2011

4 Details of Land and crop

Grown/to be grown :

(a). Total Holdings : Ac 5.00 Acres

(b). Main crops grown : PADDY

5. Nature of advances : AGRL.DEMAND LOAN against gold ornaments

6. Purpose of advance : CULTIVATION EXPENSES IN Ac 5.00 CENTS

7. Limit Sanctioned : Rs. 18000/-

8. Generation Of Income:

(a).Estimated net annual income from

agricultural operations

(b) Income from Custom services,

if any

(c) Net annual income from other

services, if any

Total Surplus

9 Repayment Period : With in two months from next crop harvest

###Due dates :

###Installment amount : Not Applicable

###Interest rate : 7.00%

###Brief details pf security:

(a) Primary security Pledge of Gold Ornaments

Gross Wt 17.48 gms Net Wt 17 gms

###Processing Fee recovered : Rs 198 /-

###Details of existing borrowings

(a) From the Bank : NIL

(b) From other Banks/Agencies NIL

###Remarks :

Place BAISI

Date 16-Apr-11 BRANCH MANAGER _______________________________________________________________________________________

FOR THE USE AT RBO-AU-VZA

CONTROLLED

Regional Business OfficeAdmn.Unit.Vijayawada.

31-May-2011

SCRUTINISED FOR CONTROL

Date Dy.Mgr(ADV) CM(Rural)/RM