ANNEXURE-IV

(Modified In Aug. 201 7)

APPLICATION-CUM-VALUATION-SANCTION LETTER FOR GOLDLOAN

The Manager,
BANK OF INDIA, Branch

Dear Sir,
Re: Request for grant of Loan Pledge of Gold Jewellery/Ornaments/Coins
IWe having read and understood the terms and conditions of the captioned Loan
Scheme and agreeing to unconditionally abide by the same, request you to grant melus a
Loan of Rs (Rupees only) for the purpose
of
on the security of Pledge of the Gold
Jewellery/Ornaments/Coins mentioned below:
Description of the Gold Jewellery/Ornaments/Coins Market Rate Per 1(one) Gram = Rs.
Particulars Gross Weight Net Weight Fineness/%of purity Current Value in Rs.
(in gms) (in gms). (in Carats)

2. Details of Borrower/s:
Name & Fathers Name Age Address (Both Office and Residence Signature /
of Borrower And Mobile No. Thumb Immpression

3. If the Loan is for agricultural purpose, details of agricultural property

4 The Loan Account is to be opened in my lour name. The proceeds of the Loan may be
credited to mylour SB/CD/.. Account no. .with you/your... .Branch. All applicable
charges shall be paid by melus and the Bank shall also be within its right to recover the same
by debit to mylour account with the Bank.
5 We irrevocably agree and authorize the Bank to deliver the Pledged Goods to Either of
Us/Anyone of us upon repayment of the dues to you and redemption of the Pledged Goods.
6. The contents have been read over and translated into (mention
the name of the language) and explained to me/us and IWe having understood the same
execute these presents.

Executed at on

Yours faithfully.

(Signature of the Borrowerls)

 FOR BRANCH USE
PART-I

Certified that the Gross and Net Weight of Gold Jewellery/Ornaments/Coins their
valuation rate and market value as given below have been verified by me and are correct.
Gross weight Net Weight Valuation rate per Total Market Value
(in grams) (in grams) Gram (Rs.) (Rs.)

Manager/Officer in Charges
PART- I
SANCTION

Limit proposed.

Rate of Interest: Floating basis at the rate of .... .% over and above BOI.
**MCLR/RBLR (BOIMCLR/BOIRBLR) from time to time, as may be reset by the Bank on
quartertyhalf yearlylannual/**..........basis, with monthly/quarterly/half yeaty rests.

Margin per cent Purpose:

Repayment On Demand.

At the request of the Borrowerls, it is permitted to repay the Principal amount in

.monthly quarterly/half-yearly installments of Rs each and Interest to be paid
with installments.

payment of
However this shall be without prejudice to the right of the Bank to recall/demand
time.
the entire Amounts/dues payable by the Borrower/s under the Loan at any
Security documents: 1.D.P. Note
2.Loan cum Agreement of Pledge
compliant.
All the accounts falling under this transaction are fully KYC

Recommended Sanctioned
Officer/Manager Manager/Chief Manager
 cum Pledge document and also the
Conditions of Sanction, Loan
I/We accept the Terms and
conditions of the loan printed
below.
4 other general terms and

Date: (Signature of Borrower/s)

Place
GRANTED
CONDITIONS ON WHICH LOAN
GENERAL TERMS & JEWELLERYIORNAMENTSICOINS
AGAINST PLEDGE OF GOLD
Gold
repayable on demand and should be secured by pledge of
1. The loan is allow the Borrower to
Jewellery/Ornaments/Coins. Bank may, at its sole discreation, regard,
installments, if a request is made by Borrower in this
the loan in the
prejudice to the right of the Bank to recall / demand payment of
without
entire dues under the loan at any time.
Borrow er IS
submission of the Application for the loan does not mean thatdiscretion of
2. Mere the loan shall be the sole
entitled for the loan and the sanction of
the Bank.
said Gold Jewellery/ Ornaments/ Coins
3 The Bank sahll be within its rights to get the its expenses are to be borne by the
valued by an appraiser of Bank's choice, and
Pledgor / Borrower.
pledged Gold ornaments /coins as
Bank shall also have the rights to retain the
4
security, appropriate or sell the same and adjust the proceeds not only for the
Borrower to the Bank whether
loan applied for but also for any other liability of the
accOunt
as aBorrower or Guarantor in any other
and such other
5. Terms and Conditions stated in Loan cum Agreement of Pledge
and / or any regulating authorities
terms and conditions stipulated by the BankPledgor/Borrower.
from time to time, shall also be binding on the
be
6. Borrower shall execute the necessary loan and security documents as may
stipulated by the Bank from time to time at his / their costs anu expenses,
including the payment of stamp duty thereon.
7.
By submitting this application Borrower agrees that any notice given to the
Borrower on the address provided to the Bank shall be sufficient notice
irrespective of whether it is served on the Borrower or not.
Received the above Gold Received back the above Gold
Jewellery/ Ornaments/ Coins Jewellery/ Ornaments/ Coins intact

For Bank of India

Manager: Borrower's name &signature
Date: Date:
Place Place
 Bank of India BOI
(A Government of Indla undertaklng)
GOLDSMITH CERTIFICATE
Loan Account No. :
SB Account No. Date
1) Name Hallmarked Yes/No
2) Address :
Limit:

3. Detalls of Ornaments / artlcles pldged

Gross % of
Sr. DESCRIPTION OF ORNAMENTS Weight
Net
Welght ln
Market Value
No. ARTICLES purity In Rate er Value
in Grams carats grams
Grams

TOTAL
Loan Amount Recommnended

4. I hereby certify that the descriptions and the value of gold orname
articles are correct to the best of my knowledge and belief. Iguarantee and hold myself responsibie io
same. In event of any inconsistency/ mistake in my certification and due to which, the bank suffersli
any loss or damage, the same will be reimbursed by me to the bank without any condition/s.
Ifurther declare and confim that the applicant/s islare not ralated to me or acquaintance of mine

Signature of the apprec

Goldsmith / Valuer
Iconfirm the contents of the above certificate

Applicants Slgnature
Received the above articles'for Bank Of India

Branch Manager
 Bank of India BOI
(A Government of India undertaking)
GOLDSMITH CERTIFICATE

Loan Account No,:

SB Account No. Date
Hallmarked Yes/No
1) Name
2) Address:
Limit:

3.Detalls of Ornaments I articles pledged

% of Net Market Value
Gross
Sr. DESCRIPTION OF ORNAMENTS purity in Welght in
No. ARTICLES Weight Rate Per Value
in Grams carats grams
Grams

TOTAL
Loan Amount Recommended

hereby certify that the descriptions and the value of gold ornaments
4. I myself responsibie loi t
articles are correct to the best of my knowledge and belief. lguarantee and hold suffersincur
due to which, the bank
same. In event of any Inconsistency/ mistake in my certification andwithout
by me to the bank any condition/s.
any loss or damage, the same will be reimbursed of mine.
related to me or acquaintance
Ifurther declare and confim that the appllcan/s Islare not

Signature of the appro iec

Goldsmith / Valuer

Iconfimthe contents of the above certificate

Applicants Signature

Received the above arlcleslor Bank Of India

Branch Manager
 Bank of India BOIA
(A Government of India undartaking)
GOLDSMITH CERTIFICATE
Loan AcCount No. :
SB AtCount No. Date
Hallmarked Yes/No
1) Name
2) Address :
Limit :

3. Detalls of Omaments / artlcles pledged

Market Value
Gross % of Net
Sr. DESCRIPTION OF ORNAMENTS I Welght purity In Weight in Rate Pe. Value
No. |ARTICLES in Grams carats grams Grarns

TOTAL
Loan Amount Recommended

of gold orra
hereby certify that the descriptions and the value respons1pe
belief. guarantee
I and hold myself
4. I knowledge and
articles are correct to the best of my mistake in my certification and due to which, the bank suftes
inconsistency/ condition/s.
same. ln event of any reimbursed by me to the bank without any
the same will be
any loss or darmage, to me or acqua1ntance of mine
declare and confirm that the applican/s islare not related
|further

Signature of the approve

Goldsmith Valuer

the above cerificate

I confirm the contents of
Appllcants Slgnature

Bank Of India
Received the above articlestor

Branch Manager
 ANNEXURE-V

DEMAND PROMISsORY NOTE

Place :

Date :

Rs.

On Demand

Promise to pay Bank of India, or order, the sum of Rupees

together with interest on such from this date at the rate of percent per

annum (as per MCLR/RBLR) with Monthly/Quarterly/ Half Yearly rests for value received.

STAMP
 Annexure VI
(Revised- 2023 )
(Stamp duty applicable to Pledge as
per State laws to be paid)
BANK OF INDIA
ARTICLES/ORNAMENTS
LOAN CUM AGREEMENT OF PLEDGE OF GOLD by Mr./Mrs.
THIS AGREEMENT executed at on this the day of
yrs. Slo Wio/D'o and Mr./Mrs. aged yrs.
aged
S/oW/oDío residing at
include his/her/their heirs, exccutors and administrators
(hercinafter refercd to as the "Borrower(s)" which exprcssion shall Banking Companies (Acquisition and Transfer of
the
in favor of Bank of India, a body coporate constituted under C-5,G Block, Bandra-Kurla Complex, Bandra (East),
Undertaking) Act, 1970, having its Head Office at 'Star House', (hercinafter referred to as the "Bank" which
Mumbai-400051 and a Branch amongst other places at
cxpression shall includc its successors and assigns).
WHEREAS the Borrowe(s) has have applied for a loan of Rs. for the cxpress purpose set
out in the Borrowers)'s loan application datcd interalia on the security by way of pledge of the Gold articles
and relying on the represcntations and
andor ornaments describod in Schedule 'A' hereto. At the request of the Borrower(s) monies to the Bank, the Bank has
together with interest and other
upon thc Borrowers) undertaking to repay the said loan
agreed to grant loan of Rs. (hereinafter referred to as the "said loan") to the Borrower(s) upon
conditions and in the manner hereinafter
having repayment thereof secured as under and intcralia on the terns and
mentioned.
UNDERTAKES AS
NOW IN CONSIDERATION OF THE PREMISES THE BORROWER(S) AGREES AND
HEREUNDER:
1. Borrower(s) shall repay to the Bank the said loan of Rs. together with interest and other monies
payable therc unde, on demand by the Bank. Though the said loan is repayable on demand, the Bank may at its sole
discretion permit the Borrowcr(s) to repay the said loan and all other monies due thereunder in such monthly/quarterly/half
yearly instal1ments, without prejudice to the right of the Bank to recall the entire loan and monics thereunder at any time. In
such casc, the Borrower(s) shall repay the said loan and all monies payable thercunder in such monthly/quarterly/half-yearly
instalments as may be permitted by the Bank. Borowers) shall pay to the Bank, interest on the said loan on the balance
thereof due from time to time, at the rate of intercst specified in Schedule B hereto or at such other rate or rates as may be
charged by the Bank from time to time (including in particular interest at an additional or penal rate in the event of default by
Such interest
the Borrower(s)
shall in repayment),
be calculated and charged compounded
in accordancewith
withmonthly restspractice
the usual and payable
of the on every
Bank and shall be hereby secured. The Bank
shall be within its absolute right to change/reset the Rate of Interest (ROI) bascd on movements in MCLR, Premium, Spread
ctc. fron time to time if linked to MCLR or in case of loans linked to RBLR based on movements in Repo Rate, Mark up,
BSP/BSD and/or the Credit Risk Premium, from time to time and any such change/revision in the rate of interest on account
of change the MCLR, Premium, Spread, or BOIRBLR, Repo Rate and/or Mark up and/or BSP/BSD and/or the Credit
Risk Premium from time to timc (as the case may be), through entry of interest charged in the statemcnt of Account/Loan
Account of the Borower shall be binding on the Borrower. Any change in interest rates notificd by the Bank from time to
time for the general infornation of the public, in the notice board of the Branch or the Bank's website or by entry the
Borrower's loan account shall be binding on the Borrower(s). Borrower furthcr agree and confin that Bank andior RBI
shall be within its right to change the nomenclature andor the methodology of fixing the rate of interest andior he
BOIRBLR,
the Repoof resetting
periodicity Rate and'ofortheMark
ratc up and'or BSP-BSD
of Interest BOIMCLRipremium/sprcad
etc. from tíme applicable
to time and the Borrower(s) shall be for thebysaidtheloan,
bound same.change

2 Borrower(s) hereby contirms that the Borrowen(s) hashave depositcd with the Bank by way of Pledge, the Gold
articles and/or ornaments describcd in Schedule `A' hereto mentioncd (hercinafter referred to'as the "Pledged Goods" which
expression shall also include all other Gold articles and/or ornaments which the Borrower(s) may hereafter deposit with the
Bank by way of pledge froin time to time) as security for due repayment by the Borrower(s) to the Bank the said loan of
and all intercst and other monies due and payable thercon (including additional and/or penal interest payable
Rs.
hereunder) and also all costs, charges and expenses (including legal costs between Attorney and client), valuer's charges and
expenscs incurred by the Bank for thc protection, preservation, detence and perfection of the security and for attempted or
actual realisation thereof.

3
If the Borower(s) makes any default in repaying the said Loan or any interest or other monies due thercunder or if
in the opinion of the Bank the Borower(s) has done any act prejudicial to its interest or willendanger or likely to endanger,
the security or for any other reason, the Bank may at its sole diseretion recall the said loan, in which case the entire loan
together with all interest and other monies shall forthwith beconme payable by the Borower(s) notwithstanding any
agreement to the contrary. Borrower(s) agrecs that in the event of delault by them in pronmpt repayment of the said loan,
interest or other monies payable thercunder, the Barnk shall be within its right to sell either by public auetion or private
contract or otherwise dispose of or deal with the Pledged Goods in such manner and upon such tens and conditions as the
Bunk shal think fit and apply the net sale proceeds thereof towards repayment of the ultimate balance due in the said loan
Account including the interest and all monies due thercupon upto the date of such application without prejudice to the
Bank's rights and remedies of suit or otherwise and notwithstanding there may be any pending suit or other proceeding
against the Borrower.

4 Borrower(s) agrees that statement of account signed by an officer of the Bank without the production of any
voucher or document shall be binding on the Borrower(s) as regards the amounts due and payable by the Borrowers(s). In
the event of sale of Pledged Goods, the Bank's accounts of sales shall be binding on the BorrOwer(s) and if the net sum
realised by such sale shali be insutticient to pay the anounts due under the said Loan, the Bank shall be at liberty to apply
any other money or noneys in the hands of the Bank standing to the credit of or belonging to the Borrower(s) in or towards
 We payment of the balance under the suid L0an and in the event of there being still a deficiency, thc Borrower(s) shall
Tornwith pay such deficiency. provided that nothing hecin contained shall in any manner prejudice or affect the Bank 's
reimedy against thc Bonower( s), persorally
5 Borrower(s) hereby declares and guarantees that the Pledged Goods arce gold of fineness, purity and weight
declarcd by the BorTUwer in theApplication for loan and is thc absolute and unencumbercd property of the Borrower(s) with
full power of disposition there over and turther declare that tlhe Pledged Goods are not involved in any criminal offence.
Borrower further confirms that the Pledged Goods are not part of the "Stridhan" or gifts rcceived in connection with the
Murriage. Borrower(s) hereby contims that the Borrowers(s) have conplicd (and shall fron1 time to time conply with) with
all laws, rules, regulations or byelaws applicable to the ownership and possession of the gold articles and/or ornaments
including prticularly those pledged to be pledged to the Bank. Borowert s) shall infor1n the Bank promptly of any notice or
intimation received from any Governnent, Revcnue or other authorities regarding any detault, deiay. ctc. by the Borrower(s)
in complying with any provisions of any law or rule or regulations so far as rcgards ownership. possession or pledge of the
pledged goods by the Borrowcr(s)
6. Borrower(s) shall at all tinnes during the continuance of this security kecp and maintain such Imargin of secunty in
tavour of the Bank as may be requirad by the Bank from time to time. Bank shall not be iable in respect of the Pledged
Goods for the quantity, weight, fineness, quality thereof nor for any loss, destruction, damage, deterioration or depreciation
of the Pledged Goods or any of then however caused or occasioned while in custody of the Bank or agents. Borrower(s)
shall naintain with the Bank a Savings Bank Current Account and keep the said account with sufficient funds and hereby
inevocably authorise the Bank to debit the same or any other account of the Borrower(s) with the Bank with the anounts
due undcr the said loan including interest payable hereunder as and when it falls due. Bank shall also have the right to set off
the balance due in the said account or in such other account of the Borrower(s) with any Branches of the Bank. against the
balance due in the said loan Account togthcr with all costs, charges and cxpenses payable by the Borrower(s) hereunder at
any time atter such balance has become ypayable.
7 The security by way of Plcdge and the Demund Promissory Note dated crcated/executed by the
Borrower(s) in favour of the Bank shall be a CONTINUING SECURIrY for the balance trom time to time due to the Bank
in respect of the said loan and also any other loans which may be due to the Bank, fron tin1e to tine. Any loan or other
account is not to be considered to be ciosed for the purpose of this security and the sccurity is not to be considered.
exhausted by reason of the said account being brought into credit any time or from tìme to time or of its being drawn upon
to the full extent if afterwards reopened by a payment to credit. Borrower(s) hereby agrees that the Bank may hold the
Pledgcd Goods and the proceeds thereof and appropriate/set off the same not only as a securiy for the said loan but also us
collateral security for any other moneys now due or which may at any time be due from the Borrower(s) to the Bank whether
as aBoower or Guarantor singBy or jointly with anoher or ohers and that ths right shall be in addition to any general lien
or similar right to which the Bunk may be entitled by law. The Bank may at any time and without notice to the Borower(s)
combine or consolidate all or any of the Borrower(s)' Accounts with and liabilities to the Bank and set off or transfcr any
sun standing to the credit of any one or more of such accounts and'or the sale procecds of the pledged goods in or towards
the satisfaction of anv of the liubilities of tthe Borrower(s) to the Bank on any other account or in any other respect whether
such liabilities be uctual or contingent primary or collateral und several or joint. BorOwer( s) hereby give consent for
disclosure by the Bank of such information and data relating to the Borower(s) and the credit facility ies availed by the
Borrower(s), and of the default, if any, committed, to Credit Intonmation Bureau (India) Ltd. and/or to any other agencv'
institution. who may use. process the said infornation and data disclosed by the Bank in the manner as deemed fit by them.
and may furnish for consideration. the processed information nd datu preparcd by them. to BanksI's and othe credit
grantors or registered users.

8 Any noticc by way of requcst or othcrwise hecunder ay be given by the Bank to the Borrower(s) personally or
may be lcfi at the address mentioned above or at the then or last known place of business or residence of the Borrowers) as
the case may be addressed to thc Borrower(s) or nay be sent by post to the Borrower(s) as atoresaid any if sent by post, such
notice shall be dec1ncd have been given at the time when it would be delivercd in due course of post and in proving such
noticc when given by post, it shall bc sufficient to prove that the cnvelope containing the noticc was posted and a certificate
signed by the Bank's Local Manager or Agent or Officcr that the envelope was so posted shall be conclusive. If, by reason of
absence of the Borower(s) at the address provided to the Bank or otherwise, any such notice to the Borrowers) cannot be
given, then the sane, if publishcd in the notice board of the Branch, shall be deermed to havc been effectually given and
received on the day on which such notice was published.
9. The Borower/s hereby confirm that the Bank hus informed/put the
Borroweris to notice
Regulatory Bank's guidelines, the gold omamcnts /articles pledged by the Borrower/s may be required tothat
in terms of
be inspected by
the Bank's internal/ extemal Auditors' Appraisers periodically including for its
Borrower/s have no objection and hereby express the Borrower's specific consent. revaluation re appraisal for which the
Accordingly, the Borrower hereby
unconditionally and irrevocably authorises the Bank to open thc sealed packets containing the pledged gold omaments
articles in the absence of the Borrower without any further notice to the Borrower's and the
the action of Bank in this regard or raise aily dispute at any point of timc. Borrower/s shall not challenge

Borrowers do hereby solennly declare and assure and slate that (a) the Borrowers is are not
or a specified near relative of any Directoris or Senior Offiveris of the Bank Director of the Bank
or no such Directors/ Senior Ofticers and no
relative of such
Director/Scnior Officer of tihe Bunk holds 'substantial interest as defined in Scction 5 (ne) of the Bunking
Regulation Act 1949 with the Borrower and/or the entities promoted by thc Borrowers nor is any such Person a Guarantor
for the Borrower.

Classification: uternal
 other charges and expenses on this agreeinent shall be
11. lt is agrced between the Partics that stamp duty and all
bome and paid by the Borower(s) only.
.(mention
translated into
The contents of this Agreenent have been read over and hereof
the Borrower's having understood the contents
12
explaincd to the Borrower/s and
the name of the language) and
execute this document.
of first above written.
IN WITNESS WHEREOF the Borrower(s) hashave executed this Agreement the day and year

SCHEDULE'A'
(Deseription of the pledged goods)

SCHEDULE 'B'
% over and above BOI *MCLR
Floating basis at the rate of
Rate of lnterest time, as may be reset by the Bank on quarterly/half
(BOIMCLR) from time to basis,
yearly/annual/***, with monthly rests ****

OR

Floating basis at the rate of % over and above BOI RBLR (RBI Repo Rate
plus Mark Up plus BSP/BSD plus CRP, from time to time), presently fit.
% p.a,
with monthly rests, and as may be reset by BOI at such intervals as it may deem

(**please specify whether it is overnight/monthlylquarterlyhalf yearlylyearty MCLR)

(** gtrike off whicheverare not applicable)
(*** strike off whichever are not applicable MCLR or RBLR)

(Namefs of the Borrower(s) (Signaturels of Borrower(s)

Classification: JuterDal
3
 Annexure XXIl

sf / To,
gTTaT yUa/ The Branch Manager,
* t / Bank of India,
(9/TGT / Branch)

fT HT/4EGT, Dear Sir/ Madam,

Pledged Gold/Articles/Ornaments
Unconditional and irrevocable undertaking for Inspection of

notice that in terms of

VWe hereby confirm that the Bank of India (Bank) has informed/put me us to
be required to be
Regulatory / Bank's guidelines, the gold ormaments /articles pledged by meus may including for its
inspected by the Bank's internal/ external Auditors/ Appraisers periodically specific consent.
my/ our
revaluation/ re appraisal for which T/We have no objection and hereby express Bank
authorises the to open the sealed
Accordingly, / We hercby unconditionally and irrevocably
without anyfurther notice to
packets containing the pledgcd gold omaments/ articles in our absence at any point of
me/us and I/We shall not challenge the action of Bank in this regard or raise any dispute
time.

Read over to me/us and executed on this day of after having understood
the contents hereof.

JUTKHt/ 3UKHaT / Borrower /s

THT/ Signature/s
H/ Name:
 ANNEXURE-VII

Undertaking-cum-Declaration to be obtained from the applicant alongwith

Application-cum-letter of pledge for loan upto Rs. 1.00 lakh against gold
jewellerylornamentslcoins for agricultural purpose
From:

To,
The Branch Manager,
"Bank of India,
Branch.
Sir,
Sub: My application dated seeking gold loan for
agricultural purposes

With reference to my above said application, Ifurnish here under the purpose for which
agricultural gold loan has been sought by me:
Purpose - crop cultivation:
Nature of crops/ Land ldentification Detail
season (a)
Gram Taluk/
Season Crop Survey Extent Village Mandal/ District State
Name No. (b) Panchayatl
Hobli Sub-district
1
2.
3.
Total

Scale of Financel acre (c) Eligible amount (b x c) Limit sought

Copies of land records/extract, latest land revenue receipt alongwith cultivation details are attached.

Purpose - land based activity other than crop cultivation:

Nature of activity Estimated cost/ unit cost Margin Limit sought

Purpose - allied activity:

Nature of activity Estimated cost/ unit cost Margin Limit sought
urther I undertake as under :
1. lam aware of the fact that maximum loan can be granted by Bank against gold jewellery!
omaments/coins for agricultural purpose to an individual is Rs
2. charged
Iam aware that incase of any deviation/transgression ,made by me, Iam liable to be
interest at applicable rate and/or any other action that the Bank deems fit.
3. lundertake to utilize the amount for the purpose stated herein above and in my application
for gold loan.
4. The details of crops and land details furnished are correct and lam liable for the action if
any deviation / transgression made by me.
This undertaking shall from part and parcel of my application dated
seeking agricultural gold loan.

Date:

Place: (Signature of the applicant)

Sanction Memorandum of the Branch Manager

Ref. Shri/Smt.
1. We have perused the purpose for which the applicant has sought finance and sanme is
found feasible and satisfactory.
2. In case of loan for crop cultivation, % of loan is considered over and above the
scale of finance and confirm that the same is need based.

3. The totalgold loan exposure to the individual including the present loan does not exceed
the per party exposure celing stipulated for gold loans.
4. Loan of Rs. at % rate of interest is granted to
L(nameof the borrower) on
5. The loan of Rs. under the scheme of loans against pledge of gold jewelleryl
ornaments/coins for agricultural purposes availed by Shri/Smt.
Account No. for
(indicate purpose) has been made available based on actual
requirement assessed for agricultural purpose/s and would be utilized as declared by
the borrower.

BRANCH MANAGER/SENIOR MANAGER