WC-LOA-007
Rajesh Sharma
Personal Credit Plus · ₹66,51,909
Request approval for SPDC of co-app 3. SPDC in custody; passbook first page not available for new account. Kindly provide account of SPDC of co-app 3.
Request approval to dispatch DD. Latest LOD will be documented before cheque deposition.
- Ok for ₹23.50 Lacs for 13 years at 16.5% with applicable charges.
- Connector payout restricted to 50%.
- Latest LOD and foreclosure letter of Saarthi Finance to be taken before DD.
- SPDC originals before handover; passbook copy when available.
Home loan — secured mortgage. Loan amount ₹12,00,000 for purchase of independent house (410 sq ft) in Lucknow. Purpose: residential use; margin from savings and salary.
Property at Ajay Nagar, Nawalpur Dashrath, Near Kursi Road, Lucknow. Valuation ₹17,00,000 (borrower valuation). Market rate ₹1500-1600/sq ft (local). Resale transaction; sale deed executor Smt Gudiya Devi.
Applicant residing at Sitapur address on file. Family: father co-borrower Hansraj, mother Pinki Devi. Reference check positive; 3 years at current residence per PD.
Salaried at Make IT Products Private Limited — Binding Operator, 3 years experience. Net monthly income ₹17,000; FOIR within policy after proposed EMI. Bureau CRIF 771 — positive.
Father Hansraj Hansraj — business income. Mother Pinki Devi — homemaker. Supporting income considered for obligation coverage.
CRIF score 771. No overdue accounts in enquiry summary. Enquiry ref WOOD260514CR077949155. Decision: CIBIL OK / Positive.
Elder brother in tour & travel business; income ~₹30k/month; supports obligation coverage.
Score 732. 10 loans (5 closed, 5 active). Gold and auto loans with regular EMI; no overdue in summary.
Score 849. 8 loans (6 closed, 2 active). Property and auto exposure within norms.
Score 854. 86 accounts (78 closed, 8 active). Monitor utilisation on active cards.
BT to Saarthi ₹6.62L; auto closure ₹4.47L — factored in disbursement plan.