PSL GOLD LOAN SCHEME
Loan Application Form (Direct Agri)

BRANCH________________________
Application No. _____________________ Year __________________
APPLICATION FORM FOR AGRICULTURAL CREDIT
The Branch Head
IDBI ltd
_________________
Dear Sir,
I/ We hereby apply for a loan of Rs…………………..(Rupees…………………………….
……………………….. Only) and furnish below the necessary particulars.
1. Purpose of Loan
2. Name of the Applicant
3. Address of applicant
4. Nature of activity
5. Age and Gender
6. Whether SC/ ST/ OBC/ Physically Handicapped/ Minorities/ Weaker Sections/ Ex-Servicemen/ Others
7. Details of relationships with IDBI, if any
8. Current bank details
9. Limits with other banks/ financial/ informal lending institutions
Name of bank/ financial/ informal lending institution
Nature of relationship
Limit, if any Balance o/s
1
PSL GOLD LOAN SCHEME
10. Background/ profile of borrower
11. Particulars of Land Holding
Village
Total acres
Land revenue (Rs.)
Total irrigated acres
Sources of irrigation
Value of total acres (Rs. Lakh)
12. Basis for request of limits (enclose copies/ separate sheets, if required)
a. Location of the area
in which cultivation/ allied activity is proposed
Name of crop/ livestock
Survey/ Khasra No
b. Nature of expense
Vendor/ Supplier identified on a preliminary basis
Estimated Cost
(Rs.)
Loan amount Required (Rs.)
c. Income from agriculture in Rs. Lakh
SY (–2)
SY (–1)
SY (0)
SY (1)
SY (2)
SY (..)
SY (n)
Annual gross farm income (a)
Expenses (b)
Annual net farm income (c)=(a)-(b)
Income from allied activities
d. Position of payment of income and wealth tax for last 3 years
e. Specify arrangements for
Cultivation activities
Procuring inputs
Marketing of produce
Storing of produce
Transport of produce
2
PSL GOLD LOAN SCHEME
f. Loan and interest servicing requirement
Gestation period
Installment frequency
g. Details of gold ornaments proposed to be pledged
13. Declaration:
a) a) I/We hereby declare that the particulars given above are true and correct to the best of my/our knowledge and belief.
b) b) It will be in order for the Bank to disqualify me/us from receiving any credit facilities from the Bank in case it is proved that the declarations of my/our outside borrowings made above contain misrepresentation of facts.
c) c) I/We hereby declare that I/we have no borrowings from any other agency on the date of application other than those mentioned under Point No. 9.
d) d) I/We undertake not to borrow from any other agency without the permission of the Bank.
e) e) Whether the Applicant/s, Co-obligant/s, Guarantor/s is/are related to any Senior Officer of the Bank : Yes/No. If yes, specify the names of the officer with designation and the branch/office working and the nature of the relationship.
Name _________________________________________Relationship____
f) f) We certify that all the information furnished by me/us is true; that I/we have no borrowing arrangements for the unit with any Bank other than the facts mentioned under 9 above; that no legal action has been/is being taken against me/us; that I/we shall furnish all the information that may be required by you in connection with my/our application; that this may also be exchanged by you with any agency you may deem fit, and that you, your representatives, representative of Reserve Bank of India or any other agency as authorized by you, at any time, inspect/verify our assets, books of accounts, etc., in our farm factory and/or business premises.
g) g) I/We hereby undertake to abide by the terms and conditions that the Bank may stipulate in sanction of this loan and inform Bank in the event of acquiring any other assets during the tenure of the advance.
Place:
Date: Signature of Applicant/s
3
PSL GOLD LOAN SCHEME
FLOW CHART
Sr. No.
Particulars
Date of Receipt
Date of final compliance received
Date of submission to next Delegated Authority
Comments, if any, regarding time taken*
1.
At Delegated Authority 1
2.
At Delegated Authority 2
3.
At Delegated Authority 3
* All loan applications up to a credit limit of Rs. 25,000/- should be disposed of within a fortnight and those for over Rs. 25,000/-, within 8 to 9 weeks.
Guidelines for filling application form
SY means Seasonal Year i.e. period from season to season; In case data is available for FY or CY (Calendar Year), the same may be used
X--------------------------------Cut Here----------------------------------X
ACKNOWLEDGEMENT
Received the Loan Application from Shri/ Smt.________________________________________
R/o _________________on__________________for the purpose of ____________
For IDBI Ltd.
Place:
Date:
Delegated Authority 1
4
PSL GOLD LOAN SCHEME
2. Loan Application Form (Indirect Agri/ Other PSL)
A. PERSONAL DETAILS
Following Details have been submitted (Check all that apply)
Category
Individual
Proof of Identity (Any One)
Voter ID
PAN Card
Passport
Photo Credit Card
Driving License
Introduction by existing customer*
Introduction by applicant’s bank
Proof of Income (may not be insisted upon for self employed professionals)
Income Tax Returns for last year along with computation of income
Bank Statement for last 12 months
Proof of Residence (Any One)
Passport
Ration card
Utility Bill
Credit Card Bill
Driving License
Introduction by existing customer*
Introduction by applicant’s bank
Proof of Office/ Business (Any One) (may not be insisted upon for self employed professionals)
Telephone Bill
Electricity Bill
Shops & Establishments
Lease Deed
Sales Tax Certificate
Copy of Valid Professional Degree Certificate
Mandatory for self employed professionals
Others (All as applicable)
Bank A/c Statements
Loan A/s Statements
Proforma Invoice
Photo
* Existing customer means customer having satisfactory account operations with the concerned branch for atleast 6 months
B. DETAILS OF BUSINESS REQUIREMENT FOR WHICH LOAN APPLIED
Cost of Project
(I) Cost of equipment _____________________ (attached quotation)
(II) Cost of other misc. item etc.___________________________
Total cost of project
Means of Financing
Loan Applied ___________________________
Promoter contribution
Total
5
PSL GOLD LOAN SCHEME
Name & Address of the supplier of land/ equipment
C. Details of gold ornaments proposed to be pledged Certificate
I/We hereby certify and solemnly affirm and declare that particular/information supplied above, for the purpose of securing loan from IDBI Ltd., are true and correct to be best of my knowledge and belief and no material fact/ information has been concealed or withheld. UNDERTAKING
If the loan is granted to me/ us, I/ We hereby agree to allow inspection of our office/ any other designated place belonging to us at any stipulated time on provision of written notice of 3 days or as required by the IDBI Ltd.
Signature(s)
Name _________________________
Address _______________________
FLOW CHART
Sr. No.
Particulars
Date of Receipt
Date of final compliance received
Date of submission to next Delegated Authority
Comments, if any, regarding time taken*
1.
At Delegated Authority 1
2.
At Delegated Authority 2
3.
At Delegated Authority 3
* All loan applications up to a credit limit of Rs. 25,000/- should be disposed of within a fortnight and those for over Rs. 25,000/-, within 8 to 9 weeks.
X--------------------------------Cut Here----------------------------------X
ACKNOWLEDGEMENT
Received the Loan Application from Shri/ Smt.________________________________________
R/o ____________________________on____________________________ for the purpose of _________________________________________________________________
For IDBI Ltd.
Place:
Date: Delegated Authority
6