PUNJAB NATIONAL BANK

B.O. ____________________________ Circle Office:_______________________

CONFIDENTIAL REPORT FOR BORROWERS/GUARANTORS
INDIVIDUALS (OTHER THAN PERSONAL SEGMENT SCHEMES)/
SOLE PROPRIETORSHIP FIRMS/PARTNERSHIP FIRMS/HUF

Supersedes Confidential Report No.________________ Date _______________

I(a) Name ___________________________ (b) Index No. _________ Date ________

(c) Address _______________________________
Estd. _____________________________

(d) Business ___________________________(e) Reconstituted __________________


(f) Head Office _______________________ Estd._______________________

II. Branch Firms _____________________ Estd. _________________________

III. Associate/Allied Firms Estd.___________________________

(a) Enjoying facilities with us _______________________________________
_________________________________________________________________
(Give particulars of CR & fill column No. 3 under Remarks)**

(b)Enjoying facilities with other Banks ________________________________


IV. Constitution _______________________________________________________
Individual/Sole Proprietorship/Partnership (Regd./Unregd.)/HUF
(State whichever is applicable)

Details regarding Individual/Sole Proprietor/Partner)s)/Karta/Co-Parcener

a) Name :
b) Address :
c) Date of birth :
d) PAN No. :
e) Telephone /Mobile No.
Residential :
Office :
f) Voter ID Card No. :
g) E-mail address :
h) A/c with Bank, if any :

V. Details of past Dealings _____________________________________________
VI. Reputation of borrowers/guarantors ________________________________
1
VII. Net Means as on ____________________
(Consolidated in Case of Concern having Branch Office)
(Rs. in thousands)
ASSETS

Rs. LIABILITIES Rs. REMARKS
1.

2.

3.


4



5.


6.



7.



8.





9.







10.




Cash in hand/Bank

Stocks

Sundry Debtors
(Recoverable)

Investment in allied
firms


Shares (Valued at the
Market Value)

Security Deposits &
Other Deposits


Surrender Value of
Life Policies


Machinery at
depreciated value
embedded to ground
& unencumbered


Immovable properties
as per item No. X
(out of which
property worth
Rs._____________ is
self occupied for
residential purpose.

Other assets:
[Valued at
depreciated cost &
unencumbered (Give
details)]































1.

2

3.


4.



5.





6.



7.



8.

Dues to us

Other Banks

Sundry
Creditors

Investment in
allied firms


Borrowing
against
immovable
properties
(I.P. No.______)

Taxation
Liabilties


Deposits from
relatives/friends


Other Liabilities
(Give details)





1




2.





3













4.
Certified that the
assets and liabilities
have been verified
from the books

The Shares relate to
financially sound
companies and have
been verified


Immovable Property
No. _______________
and other individual
assets (Shares,
Surrender value of
Policies) Of Common
partners aggregating
to Rs. ____________
are also included in
the CR No._________
As at _____________
of BO______________
on M/s.____________

In case of partner-
ship firm net means
should consist of
aggregate Assets/
Liabilities of all
partners.
Total


Less:Liabilities


Net Means



Increase/Decrease in the means is due to _____________________________________
(Give reasons)
2
VIII. Reports
(a) Market Reports
1._______________________________________________
2.
______________________________________________

(b) Bankers Report
1._______________________________________________
2.
_______________________________________________
(Above Reports must be submitted afresh at the time of renewal/review of CR)

IX. (a) Remarks (Please State the purpose of
the C.R. The limits proposed/sanctioned
by us and other Banks)

(b) In case of Guarantors, please furnish:
(i) Name of the borrowing concern/concerns_________________________
(ii) No. of Shares held ______________________________________________
(iii) Value of Shares held _______(Valued at Market Value))

(Separate shareholdings should be given in case a person is guarantor in more
than one concern)

X. Details of immovable Properties (Fill up all columns, do not put dot)
Whether
Spot verification done
S.
No
.
Description
of the
Property
House No./
Locality
Khasra No.
in case of
Agricultural
Land
City/State
Owner
Name
$
Purchase
Price/
market
value/Dist
-ress Sale
Value/
Guideline
Value *
@Docu-
ments
from
which
Owner-
ship
Verified
Name/De-
signation
of Officer/
staff who
conduced
Spot
Verification
Date of
Spot
verifi-
cation
Whether
free from
encum-
brances?
If yes
basis
thereof
#
Self
occupied
/rented
(1) (2) (3) (4) (5) (6) (7) (8)



$ Also specify fathers name/husbands name

* in case the IPs are recently purchased then the purchase price as per sale deed and
not the market value shall be reckoned as value of the property. The period for recent
purchase be taken as 12 months from the date of sale deed; however, if the guideline
value has been revised after the date of sale deed and it is higher than the purchase
value then value of the property shall be reckoned in terms of the guideline value even if
the sale deed is recent i.e. not one year old.

@ Specify whichever of the following is applicable

Regd. Title/Sale deed (mention date of execution and registration), Latest House/
Property Tax Receipt dt. __________ Patwari Fard/Revenue Receipt dt.___________ in case
of Agriculture land

3
(Photocopy of the documents from which ownership has been verified and a rough
sketch of the property indicating the boundaries, other land marks etc. should be
prepared & kept on record).

# Specify from which of following sources/documents Proof of non-encumbrances of
IPs has been verified:

Search Report/Legal opinion dated___________ alongwith receipt
No.____dated____________ issued by Registrar of Assurances (original search report,
legal opinion and receipt should be kept on record).

Note: None of the Columns under X above should be left blank

XI. Previous CR date ___________ means as at _____________

Immovable properties _____________________

Movable assets, including investment in allied firm _____________________

Investment in allied firms _____________________

Less: Liabilities including investment in allied firm ______________________

Net Means _____________________





Prepared By Manager/Incumbent Incharge

Name:____________________ Name:_______________________
Designation______________ Designation_________________
GBPA/Specific P.A. No./ PF No:_______ GBPA/ PF No________________

Place:
Date:









Note: In case of insufficient space, please attach separate Sheet


PNB282B(Revised)
4