06/04/2017
1 Agri land Extracts Photo copy of owned land extracts. land if any. Yes
KYC Documents
2 Pan Card Certified PAN card of applicant/Co applicants/Guarantors and all Partnership firms and Company offered as guarantee. Yes
3 Latest Address proof of Business,Residence and property. 1) Passport 2) Driving license 3) Ration Card 4)Electricity bill 5)Telephone bill 6) Property receipt. Yes
4 Signature Verification/proof 1)Pan Card 2) Pass port 3) Driving license 4)The signature of the applicant/co-applicant/guarantors or those of the partners/directors/authorized signatories should be verified by his existing bank(Banker Verification form). Yes
Financial Documents
5 ITR for Last Three years Last three years return of applicant/co applicant/Guarantors along with Statement of computation or personal balance sheet.Provisional ITR for Curent FY wherever applicable duly certified by CA. Yes
6 Companies/ Firm Audited Balance Sheet and Tax Audit Report for last 3 years Audited financial with tax audit report,statutory audit report(for corporates) with schedules for last three completed financial years.Provisional B/s with compleet schudle & account wherever applicable duly certified by CA. Membership No. of CA must be there. Yes
7 Net Worth certificate Self Certified copy of Net-worth. Yes
Existing bankers Documents
8 Bank Statements All personal as well as Business activity loan tracks(including TL/CC/OD) and CA / SA statement for last 12 months(including both individuals as well as fims/companies). Yes
9 Sanction letter of banks Sanction letter of banks for all loans(including TL/CC/OD). Yes
Regulatory Compliance Documents
10 Mandi license/Business license Mandi License/Business License with renewal receipt Yes
11 VAT Registration Certificate and VAT Returns (Wherever applicable) Copy of VAT Certificate and VAT Returns of Eight quarters of financial year. Yes
12 Proof regarding place of operation. Place of Operation proof from the existing premises.
Constitutional Documents
13 Partnership Deed (only for Partnership firm) Notarized copy and attested by all the partners. Yes
14 Certificate of Incorporation & Memorandum & Article of Association. Certified copy by Directors. Yes
15 List of directors and share holding pattern Certified copy by CA or Directors of the company. Yes
16 Latest Form 32 and ROC Search Report. Certified copy by Directors. Yes
17 Form 8/13/17 filed in ROC Certified copy by Directors.
18 Board Resolution and Authorized Signatory Board Resolution regarding taking of loan and appointment of Authorized signatories.
OSV Attestation
19 Original Seen and verified "OSV" attestation by RM or Sevice Manager Yes
Collateral Related Docs
20 Legal Report Legal report on letterhead of KMBL empaneled lawyer.
21 Technical/Valuation Report Valuation Report on letterhead of KMBL empaneled lawyer with 3 Photos (Interior, outside etc.) of property.
22 Copy of Property Papers Client Certified photocopy of all the property papers. Yes
23 For Liquid Collateral Copy of LIC Bonds along with Surrender Value, NSC, KVP, etc. Yes if applicable
24 For Vehicles as Collateral Copy of RC & Insurance of Vehicles
25 Photos Photographs of Agri lands,and Business activity, Rsidence and Colleteral Yes
26 Rental Rental lease deeds and if any Escrow possible. (Copy of Lease Deed, Rent receipts, Sales Deed etc.) Yes if applicable
27 Off paper Income Off paper Income proofs (Bills and ledgers) as per activity for last 12 months to be authenticated by borrower
Relationship Manager Reports
28 RM Report of Business, Residence and Property. Standard format Yes
29 End Use of Funds Report Proposed End Use of Funds in prescribed format duly certified by respective borrower & concerned RM Yes
30 In case of business loan Project Report Yes
31 Project Report (For CLCSS,NHB, NABARD, NMPB, etc) Project Report for Subsidy Back Cases Yes if applicable
