Initiation of Family Pension of Defense & Railway Pensioner

When a pensioner expire and left behind his family such a wife/husband, his/her children and no other than his/her a earning member than a big crisis of money has been face by his/her family member.

As a banker, it is our duty to provide full co-operation to start the family pension if he/she opted his/her family member as family pensioner in PPO . At that time we should obtained the required document from his family and initiate the family pension and send it to pension department

Document required for initiation of Family Pension of decease Defense & Railway Pensioner-  

1) Death Certificate of the Service Pensioner.

2) Life Certificate of the Family Pensioner.

3) Unemployment Certificate of the Family Pensioner.

4) Re marriage Certificate of the Family Pensioner.

5) Letter of Undertaking of the Family Pensioner.

6) Revised copy of PPO.

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Deceased Claim

CHECK LIST FOR DECEASED CLAIM

1.	Death Certificate ( Original & Photocopy)
2.	Pedinama (Personally Sign Of All Legal Heir in Bank)
3.	Photo & KYC of Claimant &Legal Heir
4.	FORM 33 (Provided by Bank)
	v Indemnity Bond with Rs. 100 Stamp
	v Two Guarantors with KYC
5.	Bank Passbook Photocopy
	v Deceased account
	v Claimant account
6.	No Dues Certificate ( In case of Treasury Pensioner )

મૃત્યુ દાવેદાર માટે ડોકયુમેંટ નું લિસ્ટ

1.	મૃત્યુ પ્રમાણપત્ર ( મૂળ અને ઝેરોક્ષ )
2.	પેઢીનામાં ( રૂબરૂ માં સહી બધા દાવેદાર કરવા આવવું )
3.	ફોટો અને કેવાયસી ( બધા દાવેદાર અને કાનૂની દાવેદાર )
4.	ફોર્મ 33 ( બઁક થી )
	v  ૧૦૦ ના સ્ટેમ્પ પેપર ઉપર ક્ષતિપૂર્તિ દસ્તાવેજ
	v  ઓડખાન બે માનસ ની કેવાયસી સાથે
5.	બૅન્ક ખાતા ની ચોપડી ની કોપી
	v  મૃત્યુ ખાતેદાર ની
	v  દાવેદાર ની ખાતા ની
6.	નો દુએસ સર્ટિફિકેટ ( તિજોરી ઓફિસ નું )

Thanks...!!!

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Check List for Pradhan Mantri Mudra Loan (PMMY)

CHECK LIST:SHISHU

1. Proof of identity - Self certified copy of Voter's ID card / Driving License / PAN Card/

Aadhaar Card/Passport/Photo Ids issued by Govt. authority etc.

2. Proof of Residence - Recent telephone bill, electricity bill, property tax receipt, Voter's ID card, Aadhaar Card, Passport of Individual/ Proprietor/Partners, Certificate issued by Govt. Authority/Local Panchayat/Municipality etc,

3. Applicant's Recent Photograph (2 copies) not older than 6 months.

4. Proof of SC/ST/OBC/Minority, if applicable.

5. Proof of Identity / Address of the Business Enterprise -if available.

6. Statement of Account from the existing Banker for the last six months, if any.

7. Quotation of Machinery / other items to be purchased.

CHECK LIST: KISHORE & TARUN

1. Proof of identity - Self certified copy of Voter's ID card / Driving License / PAN Card/

Aadhaar Card/Passport/Photo Ids issued by Govt. authority etc.

2. Proof of Residence - Recent telephone bill, electricity bill, property tax receipt (not older than 2 months), Voter's ID card, Aadhaar Card, Passport of Individual/ Proprietor/Partners,

Certificate issued by Govt. Authority/Local PanchayaI/Municipality etc.

3. Proof of SC/ST/OBC/Minority, if applicable.

4. Proof of Identity / Address of the Business Enterprise - Copies of relevant Licenses /Registration Certificates / lease or Rent agreement/ Other Documents pertaining to the

ownership, identity of address of business unit / Udyog Aadhaar Memorandum.

5. Statement of Account from the existing Banker for the last six months, if any.

6. lasttwo years unaudited balance sheets of the existing units along with income tax /sales tax returns etc. (Applicable for loans of Rs. 2 lacs and above),

7. Projected balance sheets of start-ups/existing units for one year in case of working capital limits and for the period of the loan in case of term loan (Applicable for loans of Rs. 2 lacs and above),

8. Sales achieved during the current financial year up to the date of submission of application (in case of existing units).

9. Proforma Invoices/Quotations for the assets to be purchased and estimates for the civil works, if any to be undertaken. Aspect of technical feasibility and economic viability may be discussed with borrower if felt necessary.

10. Asset & Liability statement of the borrower including Directors & Partners.

11. Memorandum and Articles of association of the company/Partnership Deed of Partners etc. wherever applicable.

12. Photos (two copies) of applicant/Proprietor/ Partners/ Directors not older than 6 months.

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Check list of Mortgage Loan

1. Application Form duly filled and signed by applicant/guarantor

2. Two Passport Size Photograph of applicant/co-applicant/guarantor.

3. Bank A/c Statement for last 6 months.

4. Personal Identification Proof (Any one)

 Ø Photo Identity Card issued by present employer

 Ø Electoral I-Card

 Ø Passport

 Ø Driving License

 Ø PAN Card

 Ø Aadhar Card

5. Residential address Proof (Any one)

 Ø Electricity Bill

 Ø Telephone Bill (Land Line)

 Ø Electoral/Voters ID Card

 Ø Passport

6. For Salaried Class:

Ø  Latest salary slips for the last 3 months with break up and duly attested by the employer and countersigned by the applicant.

Ø  Income Tax Returns along with Form No. 16 for last 3 years.

7. For Agriculturists:

Ø  Income certificate from appropriate authority like Tehsildar/SDO/BDO etc

8. For Others:

Ø  Income Tax Returns for last 3 years duly acknowledged by income tax authorities.

9. For Self Employed/ Professional:

Ø  Balance sheets and profit & loss accounts of the business/profession along with copies of individual income-tax returns for the last three years, certified by a chartered accountant.

Ø  A note giving information on the nature of business /profession, form of organization, clients, suppliers etc.

                                        " Also Read : Check List For Auto Loan "

In case of NRIs:

1. Copy of the employment Contract (If the contract is in any language other than English, the same       has to be translated into English and attested by Employer / Indian Embassy).

2. For Salaried:

Ø  Certified copy of the latest salary slips for the past 6 months.

For Self Employed/ Professional:

Ø  Balance sheets and profit & loss accounts of the business/profession along with copies of individual income-tax returns for the last three years, certified by a chartered accountant.

Ø  A note giving information on the nature of business /profession, form of organization, clients, suppliers etc.

3. Copy of the Identity card issued by the current Employer.

4. Copy of latest work permit.

5. Copy of the Visa stamped on the passport.

6. NRE Bank accounts pass book or statement of account.

7. Overseas Bank Account Statement for the last 6 months.

8. Bio-data covering educational qualifications, age, job experience, nature of profession/ business

etc., with necessary proof.

9. Guarantor forms along with net worth proof / income proof.

10. Undertaking from the employer for remittance of monthly installment, wherever feasible, if

stipulated in the sanction.

11. A salary certificate / income statement duly attested by our foreign office (including subsidiary

office) or certified by the competent authority available in the country may be produced. This

may also include Chartered / Certified Accountants, officials of Inland Revenue Dept. (similar to

Income Tax Authorities in India) or any other agency specified for the purpose. Wherever

attestation is not possible, this may be submitted duly notarized.

Property Related Documents:

· Original title deeds of the property offered for mortgage along with complete chain of title deeds

· Latest maintenance, Water Tax, Municipal Tax and any other such taxes paid receipt.

· Non encumbrance letter from Co-op Society (wherever applicable)

· Permission to create Equitable Mortgage from society / Development Authorities. (wherever applicable)

· Confirmation of society that Bank‟s lien on society records is noted. (wherever applicable)

· Any other documents specified by Bank‟s panel advocate in the legal opinion/ title clearance

report.

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Check list for Auto loan

List of Documents to be submitted by the Applicant for Auto loan

1. Application Form duly filled and signed by applicant/guarantor.
2. Form No. 135: Details of applicant, family, Assets & Liability (Annexure-13)
    (Investment Details with supporting Xerox documents like NSC, LIC, etc)
3. Two Passport Size Photograph of applicant/guarantor.
4. Proforma invoice (Quotation) issued by authorised dealer of the Vehicle company. Basic price, octroi (wherever applicable), Sales Tax / VAT, RTO charges, Insurance charges etc should be separately mentioned in the invoice issued by the dealer.
5. Photocopy of Pan Card
6. Personal Identification Proof (Any one)
 Photo Identity Card issued by present employer
 Electoral I-Card
 Passport
 Driving License
 PAN Card
 Aadhar Card
7. Residential address Proof (Any one)
 Electricity Bill
 Telephone Bill (Land Line)
 Electoral/Voters ID Card
 Passport
8. Income Proof:
For Salaried Class:
 Latest salary slips for the last -3- months with break up and duly attested by the employer and countersigned by the applicant.
 Latest Income Tax Return (or) Form No. 16 – For 1 year
For Others:
 Income Tax Returns for last -2- years
For farmers/agriculturists:
 Income Tax Returns for last -2- years
 Income certificate from local competent revenue authority (in case income tax returns not required to file)
9. Bank A/c Statement :
‒ Existing Existing customer : No
‒ New customer : Last 6 months
10. No fresh KYC for existing customers (account holder of minimum -6- months
11. Preferably E-KYC for other customers / Normal KYC compliance

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