Opinion Report Above 25 Lacs

Annexure-ll (HL - BB)
State Bank of India
. . s s n s a s n s a s . ***'*
Branch
OPINION REPORTAS ON...
(FOR LOANS ABOVE RS. 25.00 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. Copy of IT return filed along with a copy of latest available IT assessment order to be obtained and
kept on record
Self Certification will be the
c.
basis for iie Opinion Report. (If not an .T.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 Family Members:
Name Age Relationship Edu. Qualification Occupational Details
L.Immovable Properties: (Specity share

of Applicant in case ofjoint property & details ofowners)
1. Land &Buildings (in the name
ofthe'borrower/guarantor)
S Nature of Location Extent Market Assessed Loan/ Name Net
No. Immovable R/S. Size Value Value Charge of the Means
No. Rs. Rs. against the Bank
Properties
AGLWet (Lacs) (Lacs) property Institutioon
Dry/Housel Plot) Amount
in Rs.
3 4 5 6 8
2 9 (6-7)
)
(i)
(ii)
Sub Total
Other Immovable Properties: ( Jointly owned/ undivided etc.) (Mention name of joint owners
Specify percentage share)
Total Net Value of Inmmoyable R
Properties *************'****.
(A)
I. Movable Assets (Rs. in Lacs)
S. Nature of AIC. No. Current Lien/ Loan Name
No. Movable Assets Balance against of the Net
the Alc. Bank/ Means
Institution
3 4 6
7 (4-5)
(i) Bank Deposits
(ii) Insurance Policies

(Surrender value)
(ii) Investment/MFs/Equity|
(other than the investment in tho borrowing
companyY
(iv) Others (Specify)
Sub-Total
Total Net Value of
il.
Movable Assets: Rs *******
(B)
****
Borrowings other than stated in I& ll above:

| S. Secured/Unsecured Loans/ Loan Amount
|No. Advances Security Name of the Present
Source
Banks/Fls Outstanding R)
Societies/ Chit fundds
Friends &
Relatives
Others (Specify)
Total
Total Other Liabilities

a) Net Means Rs . . . (Lacs)= (C)
(excluding investment in Borrowing
Company) of Shri/Smt. *************
Rs.
Investment/Equity in the
Borrowing Company: .(Lacs)(A+B-C)=D
b) Net Means
(including investment in Borrowing Rs....
Lacs) =(E)
******** ** Company) of Shri/Smt. *''*
The Rs. ****''*'
immovable properties are ..(Lacs) (D+E)=F

self-acquired/ancestral properties of the party stand in his name ana
unencumbered (except as stated
are
IV.Guarantees given to cover above).

Liabilities of others:
S. Name of the
Party for In
Whom executed favour of Bankl
Institution Amount
Validity up to
Means (Tangible Net Worth) of the Firm/Company v nich is offering Guaranteel Corporate
Guarantee
Name of the Company/ Firm Name of the Firm/ Company to which Guaranteel Net Means
S. Corporate Guarantee has already been extended by this (TNW)
No Company and the Outstanding
Total Means of the Firm/ Company
VI.Shri/Smt.. good opinion/ respect in market.

..is credit worthy, hold a
a) We estimate the net means of (excluding investment in Borrowing Company)

.. at
Shri/Smt. ****
RS. and thereforethe( his/her) Iatingis
b) We estimate the net means of (inicluding investment in Borrowing Company)

. . a l
Shri/Smt. * * * * * * * ' * *
... and therefore the( his/her) rattng is.

Rs. .. * ***********
or
... (Firm/Company which

The Net means of M/s. ..
* * * * * * * * * * * * * * * * * * * * * * * * *
isgiving Corporate Guarantee) is Rs. * ***"*******"
VII. Special Remarks, if any..
Certificate
We certifythat:
The estimates of the means of Proprietor/ Partners/ Directors/ Guarantors have been based on
a) conservative estimates of movable and immovable nroperties of the Proprietor/ Partners/
Directors/Guarantors.
The estimated means of the Firm/Company are based on the tangible net-worth of the
b)
Firm/Company as per their Audited Balance Sheet.
Investments have been taken at the market value of only those quoted in the market and that
c)
other investment have been ignored.
the market value/ valuation report.
d) The valuation of immovable properties has been based on
of the Firm and Proprietor/ Partners/
e) There has been no deterioration in the financial position
Directors/ Guarantors.
is due t o . . .
..
(please speciy reasons.)

The decline in the total means
CSO/ Field Officerl Relations ip Manager/ Branch Head/

Authorised Officer Unit Head
Signature
Name&PF No.
Date

Opinion Report Above 25 Lacs

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Annexure-ll (HL - BB)

State Bank of India

Details of Family Members:

Name Age Relationship Edu. Qualification Occupational Details

L.Immovable Properties: (Specity share

(ii) Insurance Policies

Borrowings other than stated in I& ll above:

Total Other Liabilities

The Rs. ****''*'

immovable properties are ..(Lacs) (D+E)=F

IV.Guarantees given to cover above).

Total Means of the Firm/ Company

VI.Shri/Smt.. good opinion/ respect in market.

a) We estimate the net means of (excluding investment in Borrowing Company)

RS. and thereforethe( his/her) Iatingis

b) We estimate the net means of (inicluding investment in Borrowing Company)

... and therefore the( his/her) rattng is.

... (Firm/Company which

isgiving Corporate Guarantee) is Rs. * ***"*******"

VII. Special Remarks, if any..

(please speciy reasons.)

CSO/ Field Officerl Relations ip Manager/ Branch Head/

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isgiving Corporate Guarantee) is Rs. * *"*****"