STATE BANK OF INDIA
MPSF (NEW DELHI)
EDUCATION LOAN
APPLICATION CUM APPRAISAL FORM FOR EDUCATION LOAN
(PLEASE COMPLETE ALL PARTICULARS IN BLOCK LETTERS AND TICK BOXES WHERE EVER APPLICABLE CIF NO. (FOR OFFICE USE )
Signed Photograph of Student
Signed Photograph of Parent/Guardian
Signed Photograph of Gurarantor (If applicable)
A/C NO. (FOR OFF. USE ) 1. PERSONAL INFORMATION OF THE APPLICANTS Name in full of the Student Name in full - Parent/Guardian Name of Guarantor FIRST NAME Relationship with the Student PARTICULARS Name of the mother
MIDDLE NAME (FATHER/HUSBAND)
STUDENT
GUARDIAN
Residential Address
Office Address
SURNAME GUARANTOR
1. Detailed Residential Address (House No. Road Name, Locality, City, PIN, District, State) 2. Office Address (House No. Road Name, Locality, City, PIN
Distt. State) 3. Permanent Residential Address (House No. Road Name, Locality, City, PIN, District, State) 4. The name in which the correspondence shojuld be addressed ( 1st or 2nd applicant)
2ND
5. Address for correspondence (tick appropriate box) 6. E-mail Address
Permanent Address
7. Date of Birth(DD/MM/YYYY) 8. Age 9. Telephone Number (Residence) Office
9A. Whether personal telephone ? 10. Mobile No. 11. Sex
Single
12. Marital Status ( Please also tick single if no living spouse 13. Residential Status
Married
Resident
14. Type of identification proof,
a)
Voter IC.
(Please indicate name of the
b)
P P No
document at (d), if any)
c)
Married
Single
Resident
Married Resident
PAN
14A. Particulars of identification etc. 15. If you don't have PAN, reasons 16. You belong to 17. No. of dependents 18. Educational Qualification
NA
NA
2. FINANCIAL/INCOME INFORMATION OF THE PARENT/GUARDIAN
GUARANTOR
1. Monthly Gross Salary 2. Monthly Net Salary 3. Particulars of deductions from gross salary 4. Other Income as per I.T.Return 5. Annual Income as per I.T.Return
3. EMPLOYMENT DETAILS OF THE PARENT/GUARDIAN 1. Name of the Employer 2. Name of the Department 3. Designation & Employee no. ( if available) 4.No. of yrs of present employment 5. Date of retirement
4. DETAILS OF SECURITY OFFERED A) IMMOVABLE PROPERTY PLOT/FLAT/HOUSE NO.
Lease/Freehold
In the name of
Address
Estimated Mkt. value
B) VEHICLE/CAR - Please give details including registration no. etc C) OTHER SECUREITIES
Name of the security
Name of the Holder
Maturity value
5. DETAILS OF THE COURSE/STUDY 1. Name of the Proposed Course of Study 2. Name of the Institution, University, Country 3. Reasons for selection Institution/University 4. Ranking of the Institution or Course 5. Duration of the course 6. Date of Commencement of course 7. Expected monthly income of student after completion of the course 8. Employment potential after completion of course
6. LOAN REQUEST Rs. COST OF THE COURSE 1. Tution fees 2. Essential Books, Stationery, equipment, if any 3. Examination fees 4. Maintenance expenditure 5. Insurance premia for the duration of loan and start up period 6. Misc. 7. Any other
TOTAL (Should tally with the sources)
SOURCES 1. Details of non-repayable studentship/fellowship, etc. available to the student. 2. Details of repayable studentship/fellowship, etc. available to the student. 3. Details of funds available from family sources. 4..Amt. of loan applied for
TOTAL (Should tally with the cost)
Estimated Mkt. Value
7. DETAILS OF FINANCIAL WORTH OF THE PARENT/GUARDIAN PARTICULARS DETAILS AMOUNT(Rs.) BANK'S ASSESSMENT 1. Savings in Bank (Savings Bank + Fixed Deposits) 1A. How long the Account has been maintained ? 2. Immovable property 3. Current PF balance & Others 4. Investment in NSCs/Shares/ Debentures / bonds etc. 5. Jewellary / Gold ornaments 6. LIC/ Postal life, etc. 7. Capital in various firms 8. Sundries (pl.specify) 9. Cash in hand
TOTAL 8. ADDITIONAL DETAILS OF BANK ACCOUNTS OF THE PARENT/GUARDIAN Name of the Account Holder Type A/c Name of Bank & Branch A/c Number
9. DETAILS OF EXISTING LOANS (FROM STATE BANK OF INDIA OR OTHER BANKS BANK /OTHER DETAILS OF THE LOAN AMT. LOAN
PURPOSE
PRESENT OURSTANDING
MODE OF AMOUNT PAYMENT
Housing Loan Car Loan PF Loan Borrowings from friends and relatives Credit Society Others
TOTAL LOAN OTHER DETAILS
EMI ALREADY DEDUCTED FROM THE NET MONTHLY INCOME
Housing Loan Car Loan PF Loan Borrowings from friends and relatives Credit Society Others
TOTAL EMI 10. PROPOSED/PREFERRED REPAYMENT AND PAYMENT OF INTREST
YEARS
Mode of Repayment (How many EMIs?) By Student
Do you have an existing relationship with SBI if so, details thereof Do you wish to open a Savings Bank with SBI ? Is any Guarantee given to SBI/Other Bank
By Guardian
Payment of full interest as and when during the moratorium 11. GENERAL
NO NO YES
NO
If yes, details
No interest will be paid during moratorium
DELCLARATION I/We hereby apply for a loan from State Bank of India to the extent indicated in the Loan Request Section of this application form. I /We declare that the foregoing particulars and information furnished in this application form are true, accurate and complete and that they shall form the basis of any loan State Bank of India may; decide to sanction to me/us. I/We confirm that I/We have/had no insolvency proceeding against me/us. Nor have, I/We been adjudicated insolvent. I/We further confirm that I/We have read the terms and conditions and understood the contents therein. I/We am/are aware that if I/We opt for loan at floating rates of interest, the Equated Monthly Installment will comprise Principal and interest based on State Bank Advance Rate which is subject to change from time to time. I/We agree that the State Bank of India may at its discretion conduct discreet inquiries in respect of this application. I/We undertake to inform as to any change in my/our occupation/employment, residential address and to provide any further information that the Bank may require. State Bank of India will be at liberty to take such action as it may deem necessary if my/our above statements are found to be untrue. I/We agree that Statement Bank of India shall have the sole descretion to reject/reduce loan amount/our loan application without assigning any reason thereof. I/We further agree that my/our loan transaction shall be governed by the rules of State Bank of India witch my be in force from time to time. I also hereby give my consent to send the application to RACPC for sanction if in order and disbursement on sanction from RACPC or any Branch as per process prescribed by Ste Bank of India. I may carry out future transactions at the above mentioned Branch as Home Branch.
SIGNATURE OF THE STUDENT PLACE
SIGNATURE OF THE GUARDIAN
NEW DELHI
DATE
At Branch/MPSF
AT RACPC DATA RELATED TO CIF CREATION Greetings required
CIS Organization code
DATE Approved Education Loan of Rs. on the above terms and conditions.
PLACE DATE
NEW DELHI
SIGNATURE OF THE GUARANTOR NEW DELHI
PLACE DATE
FOR OFFICE USE ONLY Signature of the applicant/s obtained in our presence and verified and sent to RACPC Name & Signature(Branch/MPSF) VIP Code Customer Relative code 0 for no Type-personal (father/spouse) 1 for Yes public etc. Occupancy Customer (home owner, evaluation tenant, etc. required Segment CIBIL code reference made
SIGNATURE OF THE APPRAISING OFFICER /-(Rupees ************************************************************)
Place : Date :
Sanctioning Authority
ANNEXURE - B SBI EDUCATION LOAN SCHEME (PROPOSAL FORM) (TO BE SUBMITTED IN DUPLICATE)
BRANCH PROPOSAL No.
DATE Name of the borrowers
New
Nature of proposal
1
(Parent/Guardian) Enhancement
A copy of loan application dated and Shri/Smt/Kum
(Student) Changes in terms
obtained from
is enclosed.
The details given in the application have been verified by independent enquiries, reference to testimonials/certificates/documents, etc. wherever necessary, my comments have been appended. In my opinion, the applicants are eligible for a loan amount as detailed hereunder :
2 i) a)
COST OF COMPLETION OF THE COURSE IN 1st year/semester of the course Tution fees
(Rs)
2nd year/semester of the course 3rd year/semester of the course 4th year/semester of the course
b)
c)
d)
e)
f)
TOTAL TUTION FEES Essential books & STUDY MATERIAL Stationery Equipments, if any LAP TOP TOTAL BOOKS ETC. Examination fees
1st year/semester of the course 2nd year/semester of the course 3rd year/semester of the course 4th year/semester of the course
TOTAL EXAMINATION FEES Other Expenses ADM FEE AMENITIES FEE GAME FEE NOT REQD. HOSTEL SECURITY COMPUTER FEE LIA.FUND ELECT. CHARGES TOTAL OTHER EXPENSES Rent Board Clothes MESS Sundries INTERNET ETC TOTAL LIVING EXPENSES Insurance premia for the duration of loan and start-up period
Maintenance exp. (Living expenses)
TOTAL EXPENDITURE ii) a) b) c)
(-) LESS : OWN FUNDS / SCHOLARSHIP Non-repayable scholarship/studentship/fellowship/other financial assistance Repayable scholarship or other financial assistance Funds available from family
TOTAL FUNDS AVAILABLE LOAN AMOUNT REQD.
%
(Rs)
3 a)
Security Immovable property
b)
Movable Property
Address
Type
Serial No.
(Brief particulars and estimated value) Loan amount recommended
4
Title Deed dt. In the name of
Name of Holder
Leased / Freehold & Mkt. Value
Maturity Date
Amount
Rs.
Rs. 5 a)
b)
6
Repayment Schedule For School / College Education in India The loan will be repaid in EMI or Rs. each by the parent/Guardian, commencing ****************** from the date For Technical / Professional Higher Studies in India or Abroad The loan will be repaid in EMI or Rs. each by the parent/Guardian/Student commencing from ****************** A flat amount equal to 0.5% of the loan amount to be necessarily paid at monthly intervals up to the end of moratorium period, including the period of study towards part payment of interest. Guarantee : Name of the Guarantor Net Worth
0
LACS
Name of the Guarantor
LACS
Net Worth
LACS
Total Net Worth (Both)
7
8
Brief Opinion reports / proofs of assets & liability of applicants and Guarantor to be enclosed) Any other information not contained in the application but having a bearing on the sanction of the loan
Recommendation The proposed term loan amount is reasonable and commensurate with the requirements of the applicants. I, therefore, recommend the proposal for sanction of a term loan of Rs. (Rupees
Recommending Official For use of the Sanctioning Authority A Term Loan of Rs.
Date
is sanctioned.
Sanctioning Authority
STATEMENT OF ASSETS & LIABILITIES STATE BANK OF INDIA M P S T , NEW DELHI PAN NO. Age as on date years
NAME D.O.B. Qualification : Residence Address
months
Office : Address
Tel. # Mobile # Details of the family members
SL. NO. 1 2 3
Tel. # e-mail add.
NAME
AGE IN YEARS
RELATIONSHIP
a)
Immovable property/ADDRESS
Title Deed dt. In the name of
b) 1 2 3 4 5
Movable Property Cash Marketable investment(cost price) Provident fund/GPF/PPF etc. Gold and Jewellery Life Policies (Surrender value ) Nos.
6
Cash at Bank
7
Any Other Asset (Give Details)
Leased / Freehold
MKT. VALUE
TOTAL IMMOVABLE ASSET Amount
A/C No. & Bank Name
TOTAL MOVABLE ASSETS
TOTAL ASSETS LESS (-) LIABILITIES BORROWINGS 1 2 3 4
SOURCE Housing loan Existing Car loan PF/GPF LOAN Personal Loan & others (pl.specify)
SECURITY
LOAN EMI /MONTH AMOUNT(Rs)
TOTAL LIABILITIES NET ASSETS
LACS
The immovable properties are the self acquired/ancestral properties of the party, stand in his name and are unencumbered
Place Date
Signature NEW DELHI