PNB FARM SECTOR REPORT Confidential

Branch Name : 8687 SINGHWALA

Score Card No : 8687FS0123000013
Loan Amount(In Rs)
a Production Credit: 1500000 b Investment Credit: 0
c Total Amout: 1500000
Applicant Name: JAGSIR SINGH Date Of Birth: 16-08-1956
Father/Husband Name: AJMER SINGH PAN. NO.: DFKPG1165L
Address: VPO BUKHANWALA

Model: Farm Credit-Agriculture with limit above Rs. 1 lakh

Scheme: PNB Kisan Card
Sr No. Risk Parameters Attributes
1 Age of the main applicant Above 60 years
2 Past relationship with the Bank Deposit Customer with association of more than 5
years with us and average unencumbered deposit
balance less than 10% of loan amount
3 Educational Qualification More than 10th standard But below graduate level
4 Owner ship of land Single borrower - individual owner and cultivator
5 Sources of other income (authentic proof to be No other income/ Old age pension
provided)
6 Ratio of Net worth (excluding value of land More than 3.00
provided as collateral only verifiable items) to loan
amount (existing as well as proposed)
7 Type of Farming and marketing arrangements Traditional farming with assured buy back
arrangement
8 Existing Cropping Pattern Multiple Cropping ( More than 2 crops)
9 Repayment period (including proposed moratorium More than 5 to 10 years
period)
10 Value of Collateral to loan amount(PV of liquid 300% and above*/100% liquid security
security provided shall be deducted from loan
amount to compute this
11 Irrigation potential Land perennially irrigated - supply using electricity
12 Guarantor's Networth(excl Collateral if included in No guarantee
value of security) *
13 Projected Net Income (as calculated and accepted in More than 4 times
the appraisal form for the complete year) /
Installment + Interest
14 Margin provided Only Prescribed Margin
15 Pricing of produce Produce with minimum support price (MSP)
available
16 CREDIT HISTORY CIBIL score below 521 (consumers with >6 months
credit history) or 1 (consumers with <6 months
credit history)

GREEN Total Score: 61

Remarks for Overriding:

Created By : AVTAR SINGH Signature Of Maker

Created Date : 10-03-2023
Checked By : SAJAN KUMAR Signature Of Checker
Checked Date : 10-03-2023