Request Process for a case in the name Mr. Gursewak singh (APPL00442144) 5.

0 lakh- Lacs for 84 months

22 messages

Komaljeet Singh <[email protected]>

To: Payal Kanwar <[email protected]>
Cc: Pardeep Kumar <[email protected]>, Harvinder Singh <[email protected]>, Barjinder Singh <[email protected]>, Vivek Uppal <[email protected]>, Vikas Mishra <[email protected]

Dear Team,
Request Process for a case in the name Mr.Gursewak singh (APPL00442144) 5.0 lakh- Lacs for 84 months

Mitigates: -
Property Valuation is Rs. 22,57,592.00
Multiple Income & Positive FI Reports, Positive Ref.
Total Development of the Area is 5%
FOIR under Norms.,
Loan
Parameters Without Insurance With Insurance
Loan Amount 500000 500000
ROI 26% 26%
Tenure (months) 84 84
Assessed Income 25000 25000
Existing Obligation 0 0
Proposed EMI ₹ 12,977 ₹ 12,977
FOIR 51.91% 51.91%
Valuation of Property 2,257,592 2257592
LTV 22.15% 22.15%
Insurance Premium to be funded 0 0

CIBIL Detail: -

Applicant Name Cibil Score Both Loan Open Date Bank Name Loan Type Loan Amount Current Bal EMI Rem
Gursewak singh Cibil 780 & 637 13-04-2024 ICICI BANK Gold Loan Rs. 26,300 Rs. 26,237 NA Not
23-11-2022 HDFC BANK Personal Loan Rs, 55,602 Rs, 9,365 Na Not
11-06-2024 Bajaj Finance Consumer Loan Rs, 14,490 Rs, 6,034 1,208 No

Co - Applicant Name 1 Cibil Score Both Loan Open Date Bank Name Loan Type Loan Amount Current Bal EMI Rem
Manpreet Kaur Cibil - 1& CRIF 0 NA NA NA NA NA NA

Co - Applicant Name 1 Cibil Score Both Loan Open Date Bank Name Loan Type Loan Amount Current Bal EMI R
Jagar Singh Cibil 735 & CRIF 622 09-08-2023 HDFC BANK Kisan Credit Card Rs, 85,000 Rs, 91,059 NA
09-08-2023 HDFC BANK Kisan Credit Card Rs, 45,500 Rs, 55,646 NA

Summary: -
SL/CAM Preparation Requirement from Field Credit Team
Appl. No APPL00442144
Customer Name Gursewak Singh
Additional Co-applicant (if needed) Manpreet Kaur (Wife) Jagar Singh (Father) joined the loan,
Loan Amount (Without Insurance) 5.0 Lacs
ROI 26%
PF 2%
Tenure 84
Insured Person Name Gursewak Singh
GI Tenure 2 YEARS
Nominee Name Manpreet Kaur
Profile & Income of Applicant Applicant / Mr. Gursewak Singh is work as Raj Mistry contractor work and Two site work on Village work from last 15-year incom
and co Applicant Jagar Singh (Father) is doing work of Dairy Profile Cattles Business and Agri Cultivation of Crops on his own L
Applicant has Total Cattles 2 Gaving milk 2 Applicant has 5 Bigha Agri Land that was used for Agri Activity. Agri income conside
and co Applicant Manpreet Kaur Wife is House wife, and mother he is expired Total family member 4, Applicant and co Applican
Total income consider as per norms 25k, Ref is positive.
Property Address// Vakya Rakba MAKORAD SAHIB KHEWAT KHATONI NO 201/179,180, 287 KHASRA NO 121//16/8-0,121//17/
 Total Family Income Total Income Rs. 25K/-

All Family Member details Total Family member 4 Applicant Gursewak Singh and Jagar singh Father and Manpreet Kaur wife and
one son is doing a study and mother he is expired // End use Cattle business expensing and House renovation
Obligations NA
Special Conditions 1. SUBJECT TO FINOVA REPAY-MENT EMI'S TO CLEAR FROM APPLICANT IS STATE BANK OF INDIA AC NO
IS 55147598640 IFSC CODE SBIN0050482 OF GURSEWAK SINGH.
2. SUBJECT TO LIEN MARK IN THE NAME OF FINOVA CAPITAL PVT LTD.

Deviations: -

Deviation Justification

Deviations to 1. RMD/lien Marking as OTC Same to be complied before payment as per policy
be
2. GI waiver (2 Yrs. done and another Applicant is getting annoyed with charges hence to retain the customer we are proceeding with 2 Years o
Incorporated
Waiver) Coverage, case is sanctioned for 7-year, request waiver for 5-year GI

Komaljeet Singh <[email protected]> Wed, 13 Nov 2024 at 16:01

To: Sunil Sharma <[email protected]>
Cc: Barjinder Singh <[email protected]>

Dear sunil
Please process the case and recommend This is pending for tomorrow evening
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Barjinder Singh <[email protected]> Thu, 12 Dec 2024 a

To: Pardeep Kumar <[email protected]>, Vivek Uppal <[email protected]>
Cc: Komaljeet Singh <[email protected]>

Dear Sir

Request Process for a case in the name Mr.Gursewak singh (APPL00442144) 5.0 lakh- Lacs for 84 months

Deviation

Sr. No. Deviation Justification/Mitigates Level

1 RMD/lien Marking as OTC Same to be complied before payment as per policy

GI waiver (2 Yrs. done and Applicant is getting annoyed with charges hence to retain the customer we are proceeding with 2 Years of
2.
another Waiver) GI Coverage, case is sanctioned for 7-year, request waiver for 3-year GI.

Geo Tagging Not Mentioned in L-6

3. Geo tagging is not available in Punjab. Mitigate with Lien Marking to be documented before payment.
Deed.

Lady PDC and banking waiver Dear Sir Lady is Not Maintaining Banking, she does not have any cheque book and Banking so request
4.
Req. waiver lady PDC and Banking.

5. E-NACH Manual approval. Sir we have done e Nach through Manual Approval. It is ATM applied and it will wait for one days so we need
your approval.

Sides & dimensions are not Dear is this is Jamabandi base case property is a residential house, dimensions matching with Jamabandi &
1 sides are not matching. We take the value of least area Amount Rs. 22,57,592.00 lac, GP/MC letter taken req
mention with Jamabandi
approval

Development of the vicinity is Mitigate with property value is good Rs. 22 Lacs /- and LTV is 22.15%% only. Property is under GP Limit
2 5% with all side Agri land
Magistrate affidavit Documented before disbursement.
approval req L5- Legal

Sir New Title deed is executed from Major area 10 Kanal because earlier there were 3 owners of property,
after legal team suggestion on mail we have executed new deed in favour of our customer, residential house
5. Area mismatch approval req having land area 416.44 sqyard under gp limit of Makrod sahib Teh Moonak in deed area 605.00 sqyd we
valued least area. Mitigate with property value is good Rs.22,57,592/- and LTV is under norms @ 51.91%
only. Property is under GP Limit and GP Letter to be Documented before disbursement.
Approval for EMI date 7 of In captioned case, Customer is comfortable with an EMI date 7th of every month so request your approval
1.
every month for the same
L-5 Credit
3. FOIR 51.91% approval req Sir Case is processed with multiple income, LTV 22% , total income considered from Contractor income and
Dairy and agri income is 25k from 2 income earners. Request approval

Case Summary:

Applicant Co-App 1 Co-App -2 Co- App -3

Name Gursewak singh Jagar Singh Manpreet Kaur

Current Age 34 Y 38 Y 32Y
Age At Maturity 41 Y 65Y 39Y
Relationship with Applicant Self Father Mother

Profile Contractor Agriculture and Housewife

dairy
 Income considered Yes Yes No
CIBIL/CRIF 780/637 735/622 -1/0
FI Status Negative Positive Positive
Whether Property Owner Yes

APP NO APPL00442144

Product & Scheme MSMS Loan

Branch Sunam

Loan Amount 5,00,000

Loan Tenure (Years) 7 Year
ROI & PF 26 & 2

Total income Considered 25K/-

Barjinder Singh (BM)

Sunam Branch
M:-9815020675

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PARDEEP KUMAR <[email protected]> Thu, 12 Dec 2024 at 14

To: Sahil Taneja <[email protected]>, Anurag Pachlangia <[email protected]>
Cc: Komaljeet Singh <[email protected]>, Barjinder Singh <[email protected]>, Arpit Sethi <[email protected]>, Anurag Pareek <[email protected]>, Sukhdev Jindal <[email protected]
[email protected], Harvinder Singh <[email protected]>, Vikas Mishra <[email protected]>, Anurag Agrawal <[email protected]>

Dear Sir,

Request for deviations approval in captioned case in the name of Gursewak Singh for loan amount of Rs.5 Lacs for 84 months, Sunam branch :-

Sr. No. Deviation Justification/Mitigates Level

1 RMD/lien Marking as OTC Same to be complied before payment as per policy

Applicant is getting annoyed with charges hence to retain the customer we are proceeding with 2 Years
2 GI waiver (2 Yrs. done and another Waiver)
of GI Coverage, case is sanctioned for 7-year, request waiver for 3-year GI.

3 Geo Tagging Not Mentioned in Deed. Geo tagging is not available in Punjab. Mitigate with Lien Marking to be documented before payment.
L-6

Dear Sir Lady is Not Maintaining Banking, she does not have any cheque book and Banking so request
4 Lady PDC and banking waiver Req.
waiver lady PDC and Banking.

Sir we have done e Nach through Manual Approval. It is ATM applied and it will wait for one days so we
5 E-NACH Manual approval.
need your approval.

In captioned case, Customer is comfortable with an EMI date 7th of every month so request your
6 Approval for EMI date 7 of every month
approval for the same

Dear is this is Jamabandi base case property is a residential house, dimensions matching with
Sides & dimensions are not mention with
1 Jamabandi & sides are not matching. We take the value of least area Amount Rs. 22,57,592.00 lac,
Jamabandi
GP/MC letter taken req approval

Development of the vicinity is 5% with all side Agri Mitigate with property value is good Rs. 22 Lacs /- and LTV is 22.15%% only. Property is under GP Limit
2
land approval req Magistrate affidavit Documented before disbursement.
L5- Legal

Sir New Title deed is executed from Major area 10 Kanal because earlier there were 3 owners of
property, after legal team suggestion on mail we have executed new deed in favour of our customer,
residential house having land area 416.44 sqyard under gp limit of Makrod sahib Teh Moonak in deed
3 Area mismatch approval req
area 605.00 sqyd we valued least area. Mitigate with property value is good Rs.22,57,592/- and LTV is
under norms @ 51.91% only. Property is under GP Limit and GP Letter to be Documented before
disbursement.

Aside to Komal and Barjinder, ok for FOIR deviation

Sir Case is processed with multiple income, LTV 22% , total income considered from Contractor income
1 FOIR 51.91% approval req L3 - Credit
and Dairy and agri income is 25k from 2 income earners. Request approval

Thanks & Regards,

Pardeep Kumar

ACM (PUNJAB)

Finova Capital Pvt. Ltd.

Address – Shop No.58 & 59, 2nd Floor,

Sant Market, GT Road, Khanna -141401

 District – Ludhiana(Punjab).

Phone – 7027792333

Website: www.finova.in

Please consider the environment before printing this e-mail

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Anurag Pachlangia <[email protected]> Thu, 12 Dec 2024 at 14:24

To: PARDEEP KUMAR <[email protected]>, Arpit Sethi <[email protected]>
Cc: Sahil Taneja <[email protected]>, Komaljeet Singh <[email protected]>, Barjinder Singh <[email protected]>, Anurag Pareek <[email protected]>, Sukhdev Jindal
<[email protected]>, [email protected], Harvinder Singh <[email protected]>, Vikas Mishra <[email protected]>, Anurag Agrawal <[email protected]>

Arpit - PL check
Regards
Anurag Pachlangia
Vice President
Legal, Technical & Relook
Finova Capital Pvt Ltd
4th Floor,Unique Aspire, Amrapali Marg,
Vaishali Nagar, Jaipur, Raj 302021
Direct Line: 0141-4118214 | Mobile: 9829984999
Website: www.finova.in

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Sahil Taneja <[email protected]>

To: PARDEEP KUMAR <[email protected]>
Cc: Anurag Pachlangia <[email protected]>, Komaljeet Singh <[email protected]>, Barjinder Singh <[email protected]>, Arpit Sethi <[email protected]>, Anurag Pareek <[email protected]>,
[email protected], Harvinder Singh <[email protected]>, Vikas Mishra <[email protected]>, Anurag Agrawal <[email protected]>

ok

On Thu, Dec 12, 2024 at 2:09 PM PARDEEP KUMAR <[email protected]> wrote:

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Applicant Name Cibil Score Both Loan Open Date Bank Name Loan Type Loan Amount Current Bal EMI Remark

Gursewak singh Cibil 780 & 637 13-04-2024 ICICI BANK Gold Loan Rs. 26,300 Rs. 26,237 NA Not co

23-11-2022

Arpit Sethi <[email protected]> Thu, 12 Dec 2024 at 15:20

To: Anurag Pachlangia <[email protected]>
Cc: PARDEEP KUMAR <[email protected]>, Sahil Taneja <[email protected]>, Komaljeet Singh <[email protected]>, Barjinder Singh <[email protected]>, Anurag Pareek
<[email protected]>, Sukhdev Jindal <[email protected]>, [email protected], Harvinder Singh <[email protected]>, Vikas Mishra <[email protected]>, Anurag Agrawal
<[email protected]>

Dear Sir,

The development is merely 5% and property is a stand-alone area surrounded by agricultural land from all sides.
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Barjinder Singh <[email protected]> Thu, 12 Dec 2024 at 16:38

To: Vivek Uppal <[email protected]>
Cc: Anurag Pachlangia <[email protected]>, PARDEEP KUMAR <[email protected]>, Sahil Taneja <[email protected]>, Komaljeet Singh <[email protected]>, Anurag Pareek
<[email protected]>, Sukhdev Jindal <[email protected]>, [email protected], Harvinder Singh <[email protected]>, Vikas Mishra <[email protected]>, Anurag Agrawal
<[email protected]>, Arpit Sethi <[email protected]>

Dear Sir

Earlier there are 3 Owner of this property in Jamabandi , after taken suggestion from Legal team on mail we have executed a separate deed for customer own share , Please check and
process approvals as customer now provided us separate deed

Pls find Email attached for earlier discussion to execute the deed

Barjinder Singh (BM)

Sunam Branch
M:-9815020675

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Barjinder Singh <[email protected]> Fri, 13 Dec 2024 at 11:20

To: Vivek Uppal <[email protected]>
Cc: Anurag Pachlangia <[email protected]>, PARDEEP KUMAR <[email protected]>, Sahil Taneja <[email protected]>, Komaljeet Singh <[email protected]>, Anurag Pareek
<[email protected]>, Sukhdev Jindal <[email protected]>, [email protected], Harvinder Singh <[email protected]>, Vikas Mishra <[email protected]>, Anurag Agrawal
<[email protected]>, Arpit Sethi <[email protected]>

Dear Sir

Earlier there are 3 Owner of this property in Jamabandi , after taken suggestion from Legal team on mail we have executed a separate deed for customer own share , Please check and
process approvals as customer now provided us separate deed

Pls find Email attached for earlier discussion to execute the deed

Barjinder Singh (BM)

Sunam Branch
M:-9815020675
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<[email protected]>
To: Anurag Pachlangia <[email protected]>
Cc: Harvinder Singh <[email protected]>, Barjinder Singh <[email protected]>, Komaljeet Singh <[email protected]>, Arpit Sethi <[email protected]>, PARDEEP KUMAR <pardeep.kuma

Dear Sir

Earlier there are 3 Owner of this property in Jamabandi , after taken suggestion from Legal team on mail we have executed a separate deed for customer own share , Now customer provided us s

Pls find Email attached for earlier discussion to execute the deed.

NOW Deviation pending of =-

The development is merely 5% and property is a stand-alone area surrounded by agricultural land from all sides raised by Arpit for your approval. Request approval to p

Thanks & Regards

Vivek Uppal

ASM-Sales(Punjab)

Finova Capital Pvt Ltd

Contact No:- 9988963055

Website: www.finova.in

GO GREEN,PLANT TREES, SAVE WATER, LOVE ANIMALS,EAT HEALTHY, SATY FIT= HAPPINESS

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Applicant Name Cibil Score Both Loan Open Date Bank Name Loan Type Loan Amount Current Bal EMI

Gursewak singh Cibil 780 & 637 13-04-2024 ICICI BANK Gold Loan Rs. 26,300 Rs. 26,237 NA

23-11-2022 HDFC BANK Personal Loan Rs, 55,602 Rs, 9,365 Na

11-06-2024 Bajaj Finance Consumer Loan Rs, 14,490 Rs, 6,034 1,208

Anurag Pachlangia <[email protected]> Fri, 13 Dec 2024 at 11:54

To: [email protected]
Cc: Harvinder Singh <[email protected]>, Barjinder Singh <[email protected]>, Komaljeet Singh <[email protected]>, Arpit Sethi <[email protected]>, PARDEEP KUMAR
<[email protected]>, Rakesh Kumar Tailor <[email protected]>, Rahul Sahney <[email protected]>

Pl avoid stand alone properties ...

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<[email protected]> Fri, 13 Dec 2024 at 13:00

To: Sahil Taneja <[email protected]>
Cc: Harvinder Singh <[email protected]>, Barjinder Singh <[email protected]>, Komaljeet Singh <[email protected]>, Arpit Sethi <[email protected]>, PARDEEP KUMAR
<[email protected]>, Rakesh Kumar Tailor <[email protected]>, Rahul Sahney <[email protected]>

Dear Sir,

Pls request your intervention, as we have taken legal opinion in the captioned case before uploading (attached are the mail of discussion) after that we have taken transfer deed from customer on his
share and now 5% vincity deviation rejected.

If after discussions cases got rejected. How do we tackle the customer and what answer we will give to customer in such scenario.
 Thanks & Regards

Vivek Uppal

ASM-Sales(Punjab)

Finova Capital Pvt Ltd

Contact No:- 9988963055

Website: www.finova.in

GO GREEN,PLANT TREES, SAVE WATER, LOVE ANIMALS,EAT HEALTHY, SATY FIT= HAPPINESS

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<[email protected]> Fri, 13 Dec 2024 at 18:17

To: Sahil Taneja <[email protected]>
Cc: [email protected], Pardeep Kumar <[email protected]>, Barjinder Singh <[email protected]>, Komaljeet Singh <[email protected]>

Thanks & Regards

Vivek Uppal

ASM-Sales(Punjab)

Finova Capital Pvt Ltd

Contact No:- 9988963055

Website: www.finova.in

GO GREEN,PLANT TREES, SAVE WATER, LOVE ANIMALS,EAT HEALTHY, SATY FIT= HAPPINESS

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From: [email protected] <[email protected]>

Sent: Friday, December 13, 2024 1:00 PM
To: 'Sahil Taneja' <[email protected]>
Cc: 'Harvinder Singh' <[email protected]>; 'Barjinder Singh' <[email protected]>; 'Komaljeet Singh' <[email protected]>; 'Arpit Sethi' <[email protected]>; 'PARDEEP KUMAR'
<[email protected]>; 'Rakesh Kumar Tailor' <[email protected]>; 'Rahul Sahney' <[email protected]>
Subject: RE: FW: FW: Request Process for a case in the name Mr. Gursewak singh (APPL00442144) 5.0 lakh- Lacs for 84 months

Dear Sir,

Pls request your intervention, as we have taken legal opinion in the captioned case before uploading (attached are the mail of discussion) after that we have taken transfer deed from customer on his
share and now 5% vincity deviation rejected. Case are pending for submissions.

Earlier case disbursed on same location attached are the geo location screen short-Gurpreet singh-APPL00413429 and population density are 15%.

Now in our Gursewak case population density comes up as 5%AS BOTH ARE NEIGHBOURS.

Both GEO Locations are.

29.777500, 75.966800------Gurpreet singh

29.777528, 75.966639------Gursewak singh

Thanks & Regards

Vivek Uppal

ASM-Sales(Punjab)
 Finova Capital Pvt Ltd

Contact No:- 9988963055

Website: www.finova.in

GO GREEN,PLANT TREES, SAVE WATER, LOVE ANIMALS,EAT HEALTHY, SATY FIT= HAPPINESS

Please consider the environment before printing this e-mail

From: Anurag Pachlangia <[email protected]>

Sent: Friday, December 13, 2024 11:54 AM

To: [email protected]
Cc: Harvinder Singh <[email protected]>; Barjinder Singh <[email protected]>; Komaljeet Singh <[email protected]>; Arpit Sethi <[email protected]>; PARDEEP KUMAR
<[email protected]>; Rakesh Kumar Tailor <[email protected]>; Rahul Sahney <[email protected]>
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Vikas Mishra <[email protected]> Sat, 14 Dec 2024 at 15:24

To: Anurag Pachlangia <[email protected]>
Cc: Vivek Uppal <[email protected]>, PARDEEP KUMAR <[email protected]>, Sahil Taneja <[email protected]>, Komaljeet Singh <[email protected]>, Sukhdev Jindal
<[email protected]>, Harvinder Singh <[email protected]>, Anurag Agrawal <[email protected]>, Arpit Sethi <[email protected]>, Barjinder Singh <[email protected]>, Rakesh
Kumar Tailor <[email protected]>

Boss,

Request L5 5% development deviation approval in the captioned case…

· Decent LTV 22 %.
· Property is situated near basic amenities i.e Bus station( 3 Km), Railway station( 10 KM), Hospital & having good Marketability.
· Near Anaj Mandi.
· We have already funded a nearby property.

Locality Details
Near By
Distance from the Branch 35 KM ANAJ MANDI
landmark
Class of
Nearest Railway station 10KM High/Middle/Low
Locality
Approach road
Nearest Bus stand 3 KM Bitumen
type
Govt road or
Nearest Hospital 10 km Private Govt. Road
passage

Marketability (Good/average/Poor) Average Width of Road 22 ft

Development of the vicinity in % 5%

Thanks & Regards,

Vikas Mishra

Regional Credit Manager (Punjab-Haryana)

Finova Capital Pvt. Ltd.

8510000423

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Anurag Pachlangia <[email protected]> Sat, 14 Dec 2024 at 15:38

To: Vikas Mishra <[email protected]>
Cc: Vivek Uppal <[email protected]>, PARDEEP KUMAR <[email protected]>, Sahil Taneja <[email protected]>, Komaljeet Singh <[email protected]>, Sukhdev Jindal
<[email protected]>, Harvinder Singh <[email protected]>, Anurag Agrawal <[email protected]>, Arpit Sethi <[email protected]>, Barjinder Singh <[email protected]>, Rakesh
Kumar Tailor <[email protected]>

Not recommended from my side as development zero

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Vikas Mishra <[email protected]> Sat, 14 Dec 2024 at 15:50

To: Vivek Uppal <[email protected]>, Anurag Pachlangia <[email protected]>
Cc: PARDEEP KUMAR <[email protected]>, Sahil Taneja <[email protected]>, Komaljeet Singh <[email protected]>, Sukhdev Jindal <[email protected]>, Harvinder Singh
<[email protected]>, Anurag Agrawal <[email protected]>, Arpit Sethi <[email protected]>, Barjinder Singh <[email protected]>, Rakesh Kumar Tailor <[email protected]>

Boss,

We have already funded loans in the nearby area when the development area was 10-15%...

Aside Vivek,

Please share a video of a nearby locality where we have lending other cases in this area.

Thanks & Regards,

Vikas Mishra

Regional Credit Manager (Punjab-Haryana)

Finova Capital Pvt. Ltd.

8510000423
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Anurag Pachlangia <[email protected]> Sat, 14 Dec 2024 at 16:37

To: Vikas Mishra <[email protected]>
Cc: Vivek Uppal <[email protected]>, PARDEEP KUMAR <[email protected]>, Sahil Taneja <[email protected]>, Komaljeet Singh <[email protected]>, Sukhdev Jindal
<[email protected]>, Harvinder Singh <[email protected]>, Anurag Agrawal <[email protected]>, Arpit Sethi <[email protected]>, Barjinder Singh <[email protected]>, Rakesh
Kumar Tailor <[email protected]>

Not OK
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harvinder singh <[email protected]> Tue, 17 Dec 2024 at 08:19

To: [email protected], PARDEEP KUMAR <[email protected]>
Cc: Barjinder Singh <[email protected]>, Arpit Sethi <[email protected]>, Komaljeet Singh <[email protected]>

Fyi…

From: Sahil Taneja [mailto:[email protected]]

Sent: 16 December 2024 16:14
To: harvinder singh <[email protected]>
Cc: Vikas Mishra <[email protected]>; Anurag Agrawal <[email protected]>
Subject: Re: FW: FW: Request Process for a case in the name Mr. Gursewak singh (APPL00442144) 5.0 lakh- Lacs for 84 months

Approved.

On Mon, Dec 16, 2024 at 3:07 PM harvinder singh <[email protected]> wrote:

Dear Sir,

Request your exceptional approval to consider Tech Deviation of Development as case is already approved – uploaded – Stamp Signed – Jamabandi received – new transfer
deed also done.

Here when Legal observations / demand received first basis that we have proceed on documentation part and now Tech Rejection received, RCM also recommended in trailing
mail.

Details are :-

Request 5% development deviation approval in the captioned case…

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Regards

Harvinder singh
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Barjinder Singh <[email protected]> Wed, 18 Dec 2024 at 10:28

To: Sukhchain Giri <[email protected]>

Barjinder Singh (BM)

Sunam Branch
M:-9815020675

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Barjinder Singh <[email protected]> Thu, 19 Dec 202

To: Pardeep Kumar <[email protected]>, Vivek Uppal <[email protected]>
Cc: Komaljeet Singh <[email protected]>, Harvinder Singh <[email protected]>, Vikas Mishra <[email protected]>

Dear Sir,

Request for deviations approval in captioned case in the name of Gursewak Singh for loan amount of Rs.5 Lacs for 84 months, Sunam branch :-

ROI/PF Waiver Format

Sanctioned Amount ROI+PF As Per Policy Offered ROI+PF Waiver Required Crif/Cibil Score of highest income earner
Crif - 637
5/- Lac 26% ROI + 3.0% PF 26 % + 2.0% 1% PF
Cibil 780

Sr. No. Deviation Justification/Mitigates Level

Sir co applicant income only considered Agriculture 10k , Jamabandi is provided , no other income of co
CO -applicant Jagar Singh FI
1 applicant Jagar Singh is considered in CAM , 2 cattle just for Information but income not considered , also L-6
negative approval required Resi pic attached Backside of property and at front New house is constructed , request approval

Case Summary:

Applicant Co-App 1 Co-App -2 Co- App -3

Name Gursewak singh Jagar Singh Manpreet Kaur

Current Age 34 Y 38 Y 32Y

 Age At Maturity 41 Y 65Y 39Y

Relationship with Applicant Self Father Mother

Profile Contractor Agriculture and Housewife

dairy

Income considered Yes Yes No

CIBIL/CRIF 780/637 735/622 -1/0

FI Status Negative Positive Positive

Whether Property Owner Yes

APP NO APPL00442144

Product & Scheme MSMS Loan

Branch Sunam

Loan Amount 5,00,000

Loan Tenure (Years) 7 Year

ROI & PF 26 & 2

Total income Considered 25K/-

Barjinder Singh (BM)

Sunam Branch
M:-9815020675

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PARDEEP KUMAR <[email protected]> Thu, 19 Dec 2024 a

To: Sahil Taneja <[email protected]>, Anurag Agrawal <[email protected]>
Cc: Komaljeet Singh <[email protected]>, Barjinder Singh <[email protected]>, [email protected], harvinder singh <[email protected]>, Vikas Mishra <[email protected]>

Dear Sir,

Request for deviations approval in captioned case in the name of Gursewak Singh for loan amount of Rs.5 Lacs for 84 months, Sunam branch :-

ROI/PF Waiver Format

Sanctioned Amount ROI+PF As Per Policy Offered ROI+PF Waiver Required Crif/Cibil Score of highest income earner

Crif - 637
5/- Lac 26% ROI + 3.0% PF 26 % + 2.0% 1% PF
Cibil 780

Sr. No. Deviation Justification/Mitigates Level

Sir co applicant income only considered Agriculture 10k , Jamabandi is provided , no other income of co
CO -applicant Jagar Singh FI negative approval
1 applicant Jagar Singh is considered in CAM , 2 cattle just for Information but income not considered , also L5 - Credit
required
Resi pic attached Backside of property and at front New house is constructed , request approval

Applicant Co-App 1 Co-App -2

Gursewak Manpreet
Name Jagar Singh
singh Kaur

Current Age 34 Y 38 Y 32Y

Age At Maturity 41 Y 65Y 39Y

Relationship with
Self Father Mother
Applicant

Profile Contractor Agriculture Housewife

Income considered Yes Yes No

 CIBIL/CRIF 780/637 735/622 -1/0

FI Status Negative Positive Positive

Whether Property
Yes No No
Owner

APP NO APPL00442144

Product & Scheme MSMS Loan

Branch Sunam

Loan Amount 5,00,000

Loan Tenure (Years) 7 Year

ROI & PF 26 & 2

Total income Considered 25K/-

Thanks & Regards,

Pardeep Kumar

ACM (PUNJAB)

Finova Capital Pvt. Ltd.

Address – Shop No.58 & 59, 2nd Floor,

Sant Market, GT Road, Khanna -141401

District – Ludhiana(Punjab).

Phone – 7027792333

Website: www.finova.in

Please consider the environment before printing this e-mail

From: Barjinder Singh [mailto:[email protected]]

Sent: Thursday, December 19, 2024 4:11 PM

To: Pardeep Kumar <[email protected]>; Vivek Uppal <[email protected]>
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Anurag Agrawal <[email protected]> Thu, 19 Dec 2024 at 17:41

To: PARDEEP KUMAR <[email protected]>, Sahil Taneja <[email protected]>
Cc: Komaljeet Singh <[email protected]>, Barjinder Singh <[email protected]>, [email protected], harvinder singh <[email protected]>, Vikas Mishra <[email protected]>

Ok for the deviation subject to take Agri papers in the name of our customer to consider the Agri Income

Regards

Anurag Agrawal

Zonal Credit Manager

Finova Capital Pvt Ltd.

Mobile: 9214309090, EXT - 938

2nd Floor, Unique Aspire, Amrapali Marg

Vaishali Nagar, Jaipur, Rajasthan 302021
Website: www.finova.in

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