Annexure-I: DOB............... Age... ... Date of Retirement...........................

Annexure-I
PERSONAL ASSETS AND LIABILITIES STATEMENT

(For Loans up to 2 Lacs)
Please note the following before compiling Opinion Report

a.Copies of Documentary evidence in respect of assets of Borrowers/
Guarantors to be obtained and kept on record.
b.Bank account statement for the past one year to be obtained.
c.Self certification will be the basis for the Opinion Report.
d.Other assets to include cars etc.
Name: Shril Smt/ Kum..........................................

S/o, \Nlo Dlo..........................................
Aadhar Number:
Resident of ..............................Mobile No. ...................................
Landline or Alternate Mobile No..........PAN No......
DOB...............Age... ... Date of Retirement............................
Profession ........................Net Annual Income/ NMI.......
Description of immovable property
Address/ Location Owned / Leased Value,
House / Flat No Encumbrance, if
(Area of land and any, for loan
House) availed and
amount.
Othe as ets esc i tion and alue

Description Value Description Value Description Value
NSCs PF Gold
PPF ornaments
Mutual Shares/ Others
Funds Debentures (please
specify)
Total Assets Rs.
Liabilities
Description Amount Description Amount
Home Loan Personal Loan
Car Loan PF Loans
Other Loans Other liabilities
Total Liabilities Rs.
I hereby declare mat the particulars turnished by me are correct. I enclose photocopies
of relevant documents on support of my statement. I undertake to furnish original
documents, if needed by Bank, for verification.
Signature of the applicant/ Guarantor
4
For Office Use only
Opinion Report
After perusal of relative documents and on discreet enquiries made by me it is
observed that Shri/ Smt/Kum... ...................Aged ........Years , resident of .... is a
person of Net Worth of Rs.... and has capacity to repay the ............ loan (Scheme)
of
Rs... ..... applied for. His / Her NeMorth is Rs........which is good for the loan amount
and therefore, he/ she has capacity to stand as Borrower/ Guarantor to Shri/ Smt/
Kum... ............
Market Value of immovable property (A)
Other Liquid Asse B)
Total (A+B)
Less Liabilities ECJ
Net Worth (A+B)-(C)
tMe estimate the net means of Shri/Smt.------------------------------ at Rs------------and

therefore the his/her rating is ----------------
CSO/Field Officer/ Relationship Managerl Branch
Authorised Officer Head/Unit Head
Signature
Name &PF No.
Date
5
STATE BANK OF INDIA, BRANCH
OPINION REPORT AS ON................(For Loans above Rs.25.00 Lacs)
Please nnte the following before compili_ng Opinion Report

a. Copies of Documentary evidence in respect of assets of Borrowers/ Guarantors to be obtained and kept on record.
b. copy of lb return filed along with a copy of latest available IT assessment order to be obtained and kept on record.
c. Self-certification will be the basis for the Opinion Report (If not an IT Assesses)
d. Bank account statement with all the Banks for the past one year to be obtained.
e. Other assets to include cars. jet, yachts etc.
f. Exact address viz. Door No. Plot No./ S. No. /boundaries etc. along with nearby land mark of the properties to be mentioned.
Name of the firm/company

PAN/ DIN/
TAN......... ...........
Name of the Prop/Partner/Director/Guarantor

PAN/ DIN/
TAN...... ,........ .....
Aadhar No.
Address
Details of Kamily Name Age Relationship Edu.qualification

Members: Occupational
details
I. Immovable Properties: (Specify share of applicant in case at joint property & details of owners)
\. Land & Buildings fin the name of the boyrowerlguarantor) Rs.in Lacs)
SI No Nature of Locatio Extent Market Loan/Charge against the Name Net Means
1 mmovable n / Value property of the
Properties (AGL/ R/S. Size Rs. Amount in Bank/In
wet/dry/house No. Rs. stitution
1 2 4 5 9 (6-7)
Sub Total
2. Other immovable properties: (Jointly owned/ undivided etc.) (Mention name of joint owners s Specify percentage share)
Total Net Value of Immovable Properties Rs... .. . (A)
II. Movable Assets (Rs.in Lacs)
SI No Nature of movable assets A/c No: Current Lien/Loan Name of the Net Means
Balance against the Bank/Institution
a/c
2 3 4 5 6 7 (4-5]
(i) Bank Deposits
(ii) Insurance Policies
Surrend er value)
(iii) Investment/MTs /Equity
(other than the
investment in the
borrowing company)
(iv) Others(Specify)
Sub Total
Total Net value ot Movable Assets: Rs...............................................(B)
III. Borrowings other than stated in I & II above (Rs.in
Lacs)
7
SI No Secured/unsecured Loan Amount Security Name of the Present outstanding
Loans/advances Source
Banks/Kls
Societies/Chit funds
Friends and relatives
Others (Specify)
Total
Total other Liabilities Rs. (Lacs) (C)
(i) Net Means (Lacs)

(excluding investment in Borrowing Company) of Shri./Smt. Rs.
(A+B-C)= D
/nvestmenf/ Equity in the Borrowing Company: Rs. (Lacs)
(E)
(ii) Net Means (including investment in Borrowing Company) of Shri./Smt. Rs. (Lacs)
(D+E)-- F
immovable properties are self-acquired / ancestral properties of the party stand in his name and are unencumbered (except as
stated above).
IV. Guarantees given to cover Liabilities of others
SI.N Name of the Party for whom In favour of Amount Validity up to

o executed Bank/Institution
V. Means (Tangible Net worth) of the Firm/Company which is offering Guarantee/Corporate Gr›arantee
SI..No Name of the Company/Firm Name of the Finn/Company to which Net Means {TNW)
Guarantee/Corporate Guarantee has already been
extended by rhis Company and the oLitstandiing
Total means of the Firm/Company

VI. Shri/Smt. is credit worthy, hold a good opinion/ respect in market.
a. We estimate the net means (excluding investment in Borrowing Company) of Shri/Smt.--------------------------------at
Rs.----------------and therefore the his/her rating is -----------------
6. We estimate the net means (including investment in Borrowing Company} of Shri/Smt.---------------------------------at
Rs.----------------and therefore the hislher rating is -----------------
or
The Net means of Mls.------- (Firm/Company which is giving Corporate Guarantee) is Rs.-------------
VII. Special Remarks if any.......... .. ......
Certificate:-
I/We certify that:
a) the estimates of the means of P r o p r i et o r/ Partners/Direc1ors/Guarantors have been hased on conservative estimates
of movable and
immovable properties of the P ro p r iet o r/ Partners/Directors/Guarantors
b) the estimated means of the Firm/Company are hased on the tangible net-worth of the Firm/Company as per lheir
Audited Balance Sheet.
c) investments have been taken at the market value of only those quoterl in the market ancl that o1her investments have
been ignored.
d) the valuation of immovable properties has been hased on the market value/valuation report.
e} (here lfas been no deterioi ation in the financial position of the firm and
Proprietor/Partners/Directors/Guarantors
The decline in the total means is due to---------------(please specify reasons).
CSO/Field Officer/ Authorised Officer Relationship Manager/ Branch Head/Unit Head

Signature
Name &PK No.
Date

Annexure-I: DOB............... Age... ... Date of Retirement...........................

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Annexure-I

PERSONAL ASSETS AND LIABILITIES STATEMENT

Please note the following before compiling Opinion Report

Name: Shril Smt/ Kum..........................................

Othe as ets esc i tion and alue

Signature of the applicant/ Guarantor

tMe estimate the net means of Shri/Smt.------------------------------ at Rs------------and

OPINION REPORT AS ON................(For Loans above Rs.25.00 Lacs)

Please nnte the following before compili_ng Opinion Report

Name of the firm/company

Name of the Prop/Partner/Director/Guarantor

Details of Kamily Name Age Relationship Edu.qualification

Total Net Value of Immovable Properties Rs... .. . (A)

II. Movable Assets (Rs.in Lacs)

Total other Liabilities Rs. (Lacs) (C)

(i) Net Means (Lacs)

IV. Guarantees given to cover Liabilities of others

SI.N Name of the Party for whom In favour of Amount Validity up to

Total means of the Firm/Company

VII. Special Remarks if any.......... .. ......

I/We certify that:

The decline in the total means is due to---------------(please specify reasons).

CSO/Field Officer/ Authorised Officer Relationship Manager/ Branch Head/Unit Head

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