WBSETCL

Circular No. If:, /2016

A Memorandum of Understanding (MOU) was executed on 20.11.2007 between West BengalState Electricity Distribution Company Ltd. (WBSEDCL), West Bengal State Electricity Tran~missionCompany Ltd. (WBSETCL) and United Bank of India (UBI) for the purpose of sanction of HBL throughTie-up arrangement for the employees of both the companies and its validity has been extended upto20.11.2017 vide Circular No-02/2013 dated 04.03.2013 of the General Manager (HR&A), WBSEDCL.Hitherto the applications for sanction of HBL through tie-up arrangement i.r.o. the employees ofWBSETCL are being dealt with from HBL Department of WBSEDCL. It has been decided that Tie-uploan. arrangement i.r.o. the Employees under WBSETCL shall be processed from Corporate HR&ADepartment, WBSETCL instead of HBL Department, WBSEDCL. Some broad-features of the tie-uparrangement are given below:

1. Purpose of Loan:

a)

b)c)

Purchase of House !Flat (new or old upto 35 years) / Land and construction of HousethereonConstruction on House or Renovation/FurnishinglExtension/repair of House/FlatSupplementary finance to completelExtendlRepair of House!Flat against which loantaken from WBSEBIWBSEDCL.Take over existing Housing Loan from other fmancial institutionslbanks.d)

. 'i'

2.. Eligibility criteria for availing housing loan under the present Tie-up arrangement

~ :. • ; •.a); : "This tie-up loan:facility is-strictly for only the employees of WBSETCL with confirmed ~ -_.,.

s~t't!s. ~.;l.;" . '. . _ -=- ~b) Employees having less than required length of service left for recovery of total dues within .

their service period will not be considered for Tie-up loan.c) Loan application from those who have already exhausted their entitlement to Departmental

H.B. Loan having taken all of them i.e up to repair loan, will not be considered/entertained.d) An employee whose property has already been recovered after settlement of departmental

H.B. Loan Account will not be considered for Tie-up loan regardless of number and purpose(s) of departmental H.B. Loan (s) he/she had taken.

e) Tie-up application for making second/ additional house property ~i11 not be entertainedf) Tie-up loan will be considered for one time in service life.

3. Concession for WBSETCL Employees:

a) ,No Processing cPlifge..,. ' . . . ~ • J ~,b) 'As per rules of the bank provided to the employees for tie-up loan arrangement.

4. Reset Clause:As per rules of the bank provided to the employees for tie-up loan arrangement.

5. Admissibility of Loan:a) For those within 45years of age - 60 X Net Payb) For Floating above 45 years of age - 48 X Net Payc) Margin-l 0%

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o CIN: U40101WB2007SCCl13474, D Website: www.wbsetcl.in

6. Maximum recovery I Loan period:a) For Fixed Interest categoryb) For Floating Interest category

- 10 years- 20 years

7. Second Charge Mortgage:

Second Charge Mortgage is also allowed for those having their properties under First ChargeMortgage with WBSEDCL (formerly WBSEB) on compliance of the necessary formalitiesprescribed by the bank. No legal fee will be charged for those purposes by the bank.

8. Property Insurance:

The concerned loanee will have to bear the cost of premium for mandatory property insuranceagainst fire, earth quake, natural calamity etc.

9. Life Insurance coverage under SBI Life:

Single Premium Life Insurance with SBI Life was mandatory for each tie up loan. This premiumwas borne by WBSEDCL I WBSETCL as the case may be. However, as per Circular No.RBDIUHL/39/0M-736/2009-10 dated 26.02.2010 of the General Manager [Marketing & NewInitiative] of United Bank of India, Life Insurance for borrower-employees were waived andinstead the Company undertook the provisions as mentioned below:-

a) To pay-off outstanding loan liability of employee in case of hislher death or permanentdisability .

b) In case of ResignationN oluntary retirement, employee will not be released withoutclearance certificate from the Bank.

10. Procedural Details:

a) Employees intending to take housing loans under the tie-up arrangement scheme shouldapply in duly filled in Annexure -A along with Annexure- C2 in duplicate and other. ~, ~relevant papers to the concerned local branch of UBI from where he/she wishes to avail the

....... ~ loari.> " ,. i ••. "" .;. .• • ••. ~ • .: .,...;-- ~ .~

b) After receiving: the application form and all other relevant papers, the bank should arrangefor a preliminary interview with applicant and scrutinize all papers submitted by the latter toascertain whether they are in order. Being satisfied with the proposal, local branch willcomplete processing sheet (Annexure-A1) to assess a) Projects cost & eligible quantum ofloan b) Repayment period c) EM! etc.

c) On the basis of processing sheet, the local branch will issue provisional sanction letter(Annexure-A2) & hand over one copy to the applicant. At the same time, the local branchwill send one set of the application along with a copy of the provisional sanction letter(Annexute-A2) to the Controlling Officer of the applicant employee enclosing them to aforwarding letter (Annexure -A3) for verification and necessary action at their end.

d), ~ ~ :t ~ -Ii ", 4' ~ '~ • f ~ • .• ,. . i. ~

The' controlling o.ffJse~also receives from ~the applicant the information 'on previous HBL inAnnexure -D1 and declarations from the nominee of the applicant regarding recovery ofloan in case of premature death of the applicant lemployee in Annexure - D3.

e) On receipt of application form the applicant and the documents from the Bank, theconcerned Controlling Office will verify the information furnishe? in loan application as perrecord available at his/her end and vet the application on the face of application. Afternecessary verification and vetting, the controlling officer forwards the case file along withduly filled and signed Annexure-D2 and the documents mentioned at 10.(c) and 10.(d) aboveto the General Manger (RR & A), WBSETCL.

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f) After receiving th,e application form, Corp, HR&A Department, WBSETCL will verify thebonafide status of the applicant-employee and recommend / vet on the application forsanction of loan, On completion of the above formalities, the Corp. HR&A Department ofWBSETCL will send the vetted application along with Annexure-B, C I and C2 to theoriginating branch of UBI I

g) After receiving the vetted application form from the Corporate HR&A Department,WBSETCL, the bank will conduct a pre-sanction inspection to obtain a search andmarketability report of the property, as per norms of the Bank and fees will be borne byapplicant. After this the Bank sanction the loan by issuing sanction letter (Annexure-AS) tothe employee under the Discretionary Power of Branch Manager / Regional Office.

h) After 1st disbursement of loan, the financing branch shall inform in (Annexure-A6) to DDOabout sanction & disbursement of loan for repayment. The DDO will arrange to deduct EMIfrom the monthly salary bill of all employee borrowers and the concerned DDO will preparea broad sheet in (Annexure-E).

i) After completion of the process a loanee employee will have to open a SB or CD AlC withthe loan creating branch of UBI with zero balance by self -introduction.

j) All the related forms, that has been mentioned above, shall be available at the Corp. HR&ADepartment, WBSETCL and the same can be download~d from Company's website as well.

Recovery of loan and remittance to bank: '

All DDOs of WBSETCL will recover EM! (Equated Monthly Installments), amount as would beworked out and communicated by the bank, from the salary bills of concerned loanee employees everymonth and send to the concerned District Link Branches of United bank of India after loans are sanctionedand disbursed to the concerned loanee. Remittance ofEMI by deducting from loanee's salary bills must be

,_effected from the first salary after drawal of loans. The concerned DDO will prepare a broad sheet (as perbank format) indicating name, designation, employeeno, name of Financing Branch, Loan AlC no, E¥.I sto'tagged Link Branch bycheque byI 6th 'working day of th~ subsequent month. Annual remi~cestatement muSt be'sent to the Cbrporafe"'HR&A'Departnient, 'WBSETCr.7, Vidyut Bhavan witHout fa1l7inevery correspondence pertaining to a Tie-up loan, the relevant File No must have to be referred to. In theevent a loanee employee 'is transferred to' an establishment under other accounting unit that must be'promptly intimated to the concerned branch of UBI with advice to the head of the accounting unit underwhich the concerned loanee employee would join on transfer, so as to facilitate the continuity of remittanceas usual by deducting from salary. Data/information contained in provisional and post sanction order byUBI relating to a Tie-up loan must be very carefully checked. Any discrepancy/error on that count, ifdetected, may forthwith be taken up with the concerned UBI Branch under intimation to HBL Deptt.

It is further enjoined upon all concern that details of every housing loan under the Tie-Uparrangement e.g loan amount, EM! and repayment period must be incorporated in the service book orservice record, as the case may be, of the concerned employee remittance/recovery status may also beincorporated in service book positively at the time of concerned employees' transfer/retirement/resignationetc. This information may-also be reflected' in the LPC.ofa loanee employee. '

. All controlling officers ~nd DDOs ofWBSETCL may ensure strict compliance of the whole rangeof directives contained in this circular.

Enclo: As stated

~2..'S: I"l-Ol\..(S. K. Das)

Director (HR&A)WBSETCL

3o TELEPHONE! FAX: (033) 2334 5879 0 E-Mail 10: corporate.hra@wbsetcl.in

o CIN: U40101WB2007SGCl13474, 0 Website: www.wbsetcLin

UNITED BANK OF INDIAHEAD OFFICE

11, HEMANT A BASU SARANI,KOLKATA-700001

Annexure -A

APPLICA TION FOR LOAN UNDER HOUSING LOAN SCHEMETO THE EMPLOYEES OF WBSETCL

(To be submitted in Duplicate)

The Chief Manager/ ManagerUnited Bank of India,

APPLICANT 2APPLICANT I

PHOTOGRAPH(Spouse)

PHOTOGRAPH(Employee)

.......................................... BranchDear Sir,

We request you to sanction a loan ofRs (Rupees .

................................................................................•.. ) only for the following purpose:

(a) Purchase ofLandlReady HouselReady Ownership Flat.(b) Construction of house on land owned by me.(c) Renovation/Extension/Repairs/fumishing of my existing HouselFlat.(d) Any other (specify) : .

We,undertake to repay the loan with accrued interest within years .• \" \1;."

',: '*.. , '. - ~- ;.. \

.Signature of Applicant 2 .

(Wife/husband/parent of the employee may be co-borrower i.e. Applicant - 2)

PERSONAL INFORMATION OF THE APPLICANTS

Applicant 1 Applicant 21. Full Name:

(in block letters)2. Date of Birth

3. Sex (Male/Female):4. Qualification:

5. Marital Status:. 1 - ~~~ '@iriglelMarri'ed) .~.

6. 'Name of Father/Husband;

1 I

> ,

7. Permanent Address:

8. Present Residential Addresswith phone No. :

9. Name and address of the Office (Department):

10. PositionlDesigna tion:

11. Date of appointment:

12. Date of Retirement:

13. No of years in Service:

14. a)Name of the DDO & Address:

b) PAN: Employee No. (GPF No.IEPF. No):

Basic Pay( Band Pay + Grade Pay) : Rs.,15. a) Present Gross Monthly Salary:

b) Total Deduction:

c) Proposed Repayment:

d) Total Asset: Total Liabilities: (No. of years & EMI) _Total Net worth:

16. Estimated Requirements of Funds:

a) Total Purchase Price (Cost) /Construction or extension cost:

b) Registration Cost:

c) Total( a+b):

17. Estimated Availability of Funds:

a) Loan requested ( times of Net Salary) :

b) Own Contribution :l ,.

c) .otl!eI~ (~pecifj): _ ~ • ~ .• .;::. ••. Wi~ r- •... ,., •...•. !li

d) Total (a+b+c):_

18. Details of property for purchase/construction/extension/ repair:

1. Purchase price offlatlhouselland :

2. Cost of construction / extension / repair:

3. Location of the site: i) Plot No. ii) Holding No. \

iii) Municipality : iv) Police Station:

v) Area of land: vi) Built-up area:vii) Date of sale agreement:

• ~ viii) Name a~d iddres; of builder or promote; / development a~ency / c~~o~erative so~iety /seller ofthe flat / house: '" •.

19. Declaration: I do hereby declare that (i) the loan applied is meant for construction! purchase etc. for I" unit/2od unit of residential property. (Cross whichever is not applicable). (ii) The amount will be utilized for thepurpose for which it is applied and (iii) the balance amount, if any outstanding at the time of retirement, willbe adjusted from the superannuation benefits.

Dated:

Signature of applicant 1 _

Signature of applicant 2 _

Annexure -AlUnited Bank of India

................................... Branch

Branch Processing SheetFor Housing Loan Scheme for Employee of WBSETCL

1. Applicant's Name and Full address

a) Age:

2. I Father's/Husband's Name of the applicant:

3. Department and Designation: GPF No/EPF No: _

4. Details of Employmenta) Date of appointment:

b) Proposed date of retirement:

c) Whether ConfirmedlNot Confirmed (Please mark Tick)

5. Name of the DOO and address:

6. Purpose for which Housing Loan is required :

7. a) Net Monthly Income: Rs. .X60 or 48 (as the case be)=Rs.

b) Gross income per month: Total Deduction: ---'EM1:. _

Net take home after deduction of EMI: 40% of Gross pay: _c) Maximum Permissible Limit on income criteria: Rs.-------

d) Maximum eligible Amount for Sanction: (a) or (c) whichever is lower: Rs. ~_-----,--,-,-,--

8. Position of Personal Assets and Liabilities •. • ~ ••Total Assets: ..,.. ••T~~i Liabilities Net Worth: ----:--:--__

9. Description of house/flat to'be purchased/repaired/renovated etc including age of the structure incase outright purchase of ready house/flat:

a) Address with Police Station:

b) Location (in case of plot):

c) Covered Area:

d) No. of Rooms, etc:

e) Other Particulars (As per inspection report)

10. Documents attacheda)

c)e)

b)

d)

f)

11. Findings of pre-sanction Inspection Report:

12. Manager's Findings/ObservationsiRecornrnendations

Recommendation for sanction Sanction

Signature with designation & date Signature of Branch Manager with Official Seal

Annexure -A2United Bank of India

................................... Branch

Ref. No .Date .

The General Manager (HR&A)Corporate HR&A Deptt., WBSETCL8th Floor, '0' Block, I

Vidyut Bhavan,Salt Lake, Kol-91,

Dear Sir,

Provisional Sanction to proposal on Housing Loan

Your employee named herein has approached us for Housing Loan Scheme. In order to facilitate hislhergetting a loan from us, we request you to verify all the particulars furnished by the applicant. Formal sanction letterwill be issued after receipt of formal application with supporting documents from the applicant dulyrecommended/vetted by you.

1. Applicant's name & designation

2. S/o, W/O

3:'". Amount of loan applied /approached for

4. Admissible loan amount.. :. ~-:.' .. ' ""~ ,~' ~- .... .. ::. ~ .. "'. ,:. "' ~,,,,. .•. . ..- • yo

.•....•. ,,~

. - 5. Amount of loan amount to be disbursed

6. AJnountofEMU

7. No.ofInstalments

8. Rate of interest & Nature of interest (FixedIFloating)

•• •. : f • ~ ~ " , .l I

Authorised Signatory of the Branch with Office seal

Annexure -A3United Bank of India

................................... Branch

Ref. No .Date .

To

(Name and address of the Controlling Office)

Dear Sir,

Ref: Housing Loan to Shri/Smt, •.••••..••••.•••••.•...•..•........••••••.•••••••••••••••••••••.......................• under Housing

Loan Scheme to Employees ofWBSETCL offered by United Bank ofIndia

Ref: WBSETCL order No dated .

We forward herewith a Housing Loan Application of ShrilSmt .along with hislher declaration (Annexure -C2) and Provisional sanction letter (Annexure- A2).

We have processed the application and according to the norms of the scheme, the eligible permissible limit ofthe loan may be sanctioned up to Rs .

In order to facilitate his / her getting loan from us, we request you to verify all the particulars furnished by theapplicant and get vetted the application by the Corp. HR&A Department of WBSETCL through Form of Certificate(provided in Annexure-B, CI ) attached herewith.

. .~

~Please send back the vetted application along with Form of Certificate to United Bank of

India Branch.

Yours faithfully,

Enclo: As stated Chief/Senior ManagerlManager

... ,,

Annexure-B

The Branch Manager

United Bank of India

......................................... Branch

Letter No.: Dated:

ShrilSmt. .

S/o W/o Shri .

Employee. No .

Irrevocable Letter of Authority Housing Loan Scheme

Dear Sir,

We certify that Shri/Smt........ is a permanent

employee of the organization drawing gross salary ofRs per month.

2. In -view of your agreeing to grant to himlher a loan under the captioned scheme, we have received and noted:

i) The irrevocable letter of authority from the employee, for deducting a sum of Rs per month fromhislher salary beginning from the salary for the month of ~~.•...

ii) The irrevocable letter of authority from"the' employee and hislher nomineetsjin respect of making out of any amount;,~ . pay~bls to~the. employee, in9.1ud5n~$!} amoum.payable by way of terminal benefits like Gratuity.tleave encashment,

payment under VRS or Early Separation Package to United Bank of India, Branch, towards thebalance outstanding in the afdres1lld loan account together with interest with costs and/br any money as may be due tothe Bank in respect ofthe aforesaidloan in' case of his/her death, retirement, resignation or discontinuing the service forany reason whatsoever; to United Bank of India Branch is liquidated and written consent of the Bank isobtained. '

iii) The employee agree that he/she will not be entitled to withdraw or revoke his/her transfer, until the whole of his/herdebit inclusive of interest to the United Bank of India Branch isliquidated and written consent of the Bank is obtained.

3, In the event of transfer of the employee elsewhere, we undertake to convey theinstruction to the transferee officeunder advice to you immediately.

\ . ,~I

, ..Signature ofthe Officer

(Authorised Officer)ForWBSETCL

Annexure -(1

The Branch Manager

United Bank of India

......................................... Branch Dated:

Dear Sir,

Shri/Smt. .' .

S/o Wlo Shri. .

(permanent Residential Address)

Employee Number:

Housing Loan Scheme

Dear Sir,

We certify that Shri/Smt is a

permanent employee of this Organisation working as (Designation) .

He joined WBSEBIWBSETCL on and was confirmed in hislher service

on.................................................. Helshe has drawn a gross salary of Rs .

(Rupees ~ : ; :..:.::- ) for the month of 20 .

02'~ We recommend that proposal of Shri/Smn, ·.:.•:?.,..~ : : : : :.:.:-.:.:..~ : ~..•.mat ~be

considered for a housing loan as per his/her eligibility under the tie-up arrangement between WBSETCL and Uriited-,' 4

Bank of India.

Dated: Signature ofthe Officer(Authorised Officer)

WBSETCL

• I J , -iq f

Annexure -C2

The General Manager (HR&A)Corporate HR&A Deptt., WBSETCLVidyut Bhawan, Salt Lake City,Kolkata-70009l

Dear Sir,

IRREVOCABLE LETTER OF AUTHORITY

United Bank of India's Housing Loan Scheme

Employee No ....•.•••..................•..••.•........... Designation .•...••........•......•..........•..•.•.•..

I, am an employee of your organization. The

United Bank of India, Branch have agreed to sanction a loan of

Rs (Rupees .

....................................................................... only) to me under their captioned scheme for

2. I hereby authorized you to recover by deduction from my salary payable to me by you a sum of

Rs :.. (Rupees .

....................................................... only), every month beginning from the month of .

representing the monthly instalment payable by me to the United Bank of India,

....................................... Branch, for the aforesaid 'loan and remit the amount to the aforesaid branch of the

Bank.

3. In case of my death, retirement, resignation or discontinuing the service for any reason, I hereby authorize

you to pay an amount payable on my account including amount payable by way of terminal benefits like gratuity,'!. ' . •.•.. - "'"'. .. ,t ",''C!, ~:; •• :... '•••. - ':.:.~ •.•• ': ;:.; =. ~ . 'f;:; .• :;", ;. ", .•.. ::: .;- r- -; • ~ •• ~ -; .f ,~"f: ,;. -. '!. .

Stipera.nniiatio fuhd, kave encashnient, payment under VRS or Early Separation Package and any other payment from. .

any pari of terminal' payment package to United Bank of India, Branch, towards the

balance outstanding in the aforesaid loan account together with interest with costs and/or any money as may be due to

the Bank in respect of the aforesaid loan.

4. I hereby agree that I shall not be entitled to withdraw or revoke this authority even in case of my transfer, or

otherwise. Until the whole of my debit inclusive of interest etc. to the United Bank of India

......................................................... Branch is liquidated and written consent of United Bank of India Branch is

obtained.

. I • • i' ~ Yours faithfully •

Witness:

Signature . Signature .

Full Name : .. Full Name j ••••••••••••••••••••••••••••••••

Designation . Designation .

OfficefDeptt . OfficefDeptt .

Date . Date .

ToThe General Manager (HR&A)West Bengal State Electricity Transmission Company Ltd.Vidyut Bhawan, Salt Lake City,Kolkata

Annexure -01

Sub: Information on previous H.B.Loan vis-a-vis taking housing loan from V.B.I under tie-up.

Sir,

In connection with my application for taking Housing Loan from UBI under tie-uparrangement I amto inform the following.

1. I have taken Board's/ Company's H.B.Loan sanctioned vide 0.0

No........................................................................... dated............................... Under

H.B.L file No recovery of which is still going on. Now

I like to avail Housing loan from U.B.l under 2nd charge for additional/ alteration/completion/ repair/

renovation on the same premises which was built with Board's/ Company's H.B.loan.

2. I took Board's/ Company's H.B.Loan(s) sanctioned vide 0.0 No(s)

dated . under H.B.L file

No and the entire amount of loan(s) with interest

has been completely repair and re-conveyance done.

3. I have taken H.B.Loan from SBI under Tie-up arrangement., .. .

4. I have not taken any H.B. Loan from Board! Company.

5. I have not taken H.B Loan from SBI under Tie-up arrangement.

6. Applied for Board's/ Company's or SBI loan under Tie-up but not sanctioned.

Yours faithfully,

Sri/Smt .41',' ~ ~ '" 1•• ! • ~

Designation :: .

Name of the office .

Annexure -02

Employee/Service particulars of Company's employee seeking housing loan from United Bank of Indiaunder Tie-up arrangement.

1. Name

2. Father'slHusband Name

3. Date of Birth as recorded in the service book

4. Employee No.

5. Date of joining in board's/company's

6. Confirmation order no.& Date

7. Present Designation

8. Present place of posting with full address

9. Name of the controlling office &A/C unitwith full address

10. Present pay (certificate to be enclosed)

11." Whether there is any departmentalproceedings / enquiry againstthe"empIoyee

.•. " ",.

..•.~Yf •••.•.••• ""~~,,~ .• ;y.. r·-'

Signature of the Controlling officer

With office seal

N.B:- Controlling officers, will sign this paper column Verifying,_, .I..~ .. ,.... .,-~ '; ~t ...••that not a single column is left blank; to avoid ~y probability orinsertion. The 'answer to the query under SI. No.II aboveshould be specific Terms (Yes/No)

I f

Annexure -03(To be executed by the Nominee/s)

Place: Date:

ToThe Director (HR&A)West Bengal State Electricity Transmission Co. Ltd.Vidyut Bhavan,Salt LakeKolkata-700091.

Dear Sir,

IlWe hereby irrevocable authorized to hand over to United Bank of India

................................................ Branch the cheque / draft for entire gratuity amount, superannuation fund

and/or other terminal dues which is payable to Mr.lMrs.lMiss liquidation

of his/her housing loan account. Such payment shall be binding on me/us and my/our heir executors and administrators

and estate.

If any further application or letter or a receipt is required from me/us to authorize or enable you to hand over

such cheque / draft and effect payment as aforesaid II We shall sign the same after being informed thereof by the

Company. In the event of my failure neglect omission inability or refusal to do so for any reason or cause whatsoever.

IIWe hereby, irrevocable authorized WBSETCL authority acting through any of its officers,· to sign any such

application or letter, receipt or discharge or any other letter or writing required and the same shall be valid and binding

on ~e/us and shall be a valid authorization receipt and discharge to the Company in the same manner as if I/We had

myselfi'ourselves signed the same.• p

Confirmatory Witness:Yours faithfully,

Sri/Smt .

(Proposed loanee employee)(Sign of the Nominee's)

Relationship with proposed laonee

Designation .

•• 1t i '"

r:

Annexure -E

Repayment Broadsheet in respect of Housing Loan Scheme for the Employees oftbe WBSETCL in associationwith the United Bank of India

Name of Cheque No.theEmployee UBI Sanctioned Loan (Remittance

I

S1.No (Loa nee Employee' Housing I Loan Amount EMI Drawn on RemarksDesignation Code No. Loan Amount Drawn (Name of

Account Bank &and Name Branch)of theOffice

Signature of the DDO

Name of the Office

Address:

..i

• I