Arf Dairy of Kashif

BASIC DATA SHEET
(Help Line:055-6585812, 0300-9619799, 0333-8150520)
Guidelines:
1. Please incorporate all basic information in the given questionair carefuly which will result in the generation of Proposal & CPS.
Values on almost all other documents / pages shall automatically be changed, however at certain pages manual changes are required. Such type of changes are
highlighted in red colour.
2. Values in Red colour can be changed only.
3. Values in Blue colour should not be changed.
4. Do not change format / settings.
5. This Format is best suitable for ARF-Dairy Proposals, (Fresh/Renewal, Individual/Joint Acc) when collateral is owned by a single person/one pass book.
Note:- Suitable for Individual & Joint ARF-Dairy Proposal (Single Pass Book)
Official Details
Proposal Processing Date
30-Jan-14
Farm Visit Date
29-Jan-14
Calandar Year
2014
Branch Name
Buchiana
Branch Code
0376
Region
Faisalabad
Branch Manager Name
MUZAFAR ALI KHAN
Regional Head Name
Atta Ullah
AMO Name
Munir Ahmad Butt
AMM Name
Saif Ullah
A/C #
Open Date
Opening Balance (Rs)
A/C Status
CIB Report(Dated):
CIB Clean
Classification Status
Loan Application #
Loan Applied For Rs.
Loan Recommended Rs.
Loan Application Date.
Facility Type
Purpose of Loan
Crops
1001434
29-Jan-14
1,000
Joint
29-Jan-14
Yes
Regular
BCN.COF/
800,000
800,000
29-Jan-14
ARF-Dairy
Inputs
Wheat/Rice
(MM/DD/YY)
Application Details
(Give Complete Account No.)
Individual/Joint
Applicant No.1
Customer Details
Applicant No.2
(Co-Borrower)
Share %
(Principal Borrower)
50
Share %
Applicant No.3
(Co-Borrower)
50
Applicant Name
Kashif Ali S/O Nemat ali
Nasir Iqbal
Title of Account
CNIC #
Date of Birth (As Per CNIC)
Age (Years)
Kashif Ali & Nasir Iqbal

35202-9478815-9
1-Jan-89
25

33104-4007875-7
3-Jan-78
36
Farming Experience (Years)
10
10
Education Level
Intermediate
Professional Qualification
Marrital Status
Nil
Married
Residential Address
Chak No.586GB P/O Ganga Pur Tehsil

Jaranwala
Married
Chak
No.586GB P/O
Ganga Pur Tehsil
Jaranwala
Contact #
0331-9292586
0343-7659454
Status
Fresh
Nature Of Business
Agriculturist
Nearer ZTBL Branch
Jaranwala
Prime Security
Secondary Security
Agri Pass Book
Owned By
Pass Book #
Issue Date
Land Owned
Mortgage of Agri Land admeasuring

Nil
Yes
126823
12-Jun-12
Collatteral Details
Leased Land
Kanals
53
Marlas
12
Kanals
34
Marlas
11
Total Cultivation:
Land Owned in Acres
Total Cultivation in Acres
Oust Beh / Kanal (Rs.)
Oust Beh / Marla (Rs.)
ASV of Total Land
FSV
Address of Land
Distance From Branch
Nearest River
Distance From River
Type of Land
Irrigation
PIU #
PIU Value
Tehsildar Office
Legal Opinion By
6.700
11.019
68,750.00
3,437.50
3,685,000.00
2,948,000.00
Jaranwala
8
Ravi
50
Clayey
Tubewell irrigated
321
642,000
Jaranwala
Syed Sajjad Haider
53K-12M
53K-12M
ASV (Rs.)
ASV (Rs.)
3,643,750
41,250
KM
KM
Khewat No.42 , Khatuni #353-357, Qittats-28 (210K-11M) Ka 658/4211 share measuring 32K-18M,
Description of Khewat, Khatuni etc

as per legal opinion.
2010-11
Leased Land under Cultivation (Acres)
4.32
Address of Leased Land

Jaranwala
Khatuni / Khasra Numbers
As Per Girdawri Attached
Estimated Value (In Mn)
5.000
Detail of Leased Land
Farm Detail
(Existing Assets + Income + Expenses)
Animals
40
Buffaloes
Ave. Value (Rs.)
3,200,000
Cows
Ave. Value (Rs.)
350,000
Sheeps / Goats
Ave. Value (Rs.)
120,000
Total Milch Animals
47
Present Market Value Rs. Of Animals
3,550,000
Major Source of Income
Dairy Farm
Other Source of Income
Crop Production
Jaranwala
Good
Address of Dairy Farm

Technical Knowledge
Tractor
Owned
If Owned Make
If Owned Model
2
FORD
2007
Milking
4.32
11.02
Khewat No.36, Khatuni # 313-323 Qittats-30 (218K-0M) Ka 414/4360 share measuring 20K-14M,
Jama Bandi Year
ACRES
6.70
33
Share %
Procurement cost
Present Value Rs.
Hired
Other Assets detail:
1,400,000
1,120,000
No
Nil
Tubewell
Tubewell
Procurement cost
Present Value Rs.
Model
3
500,000
400,000
2006
Farm Structure
Asset Type
Construction Type
Estimated Covered Area (Sq.Ft)
Procurement cost
Present Value Rs.
Animal Shed
Cemented Bricks + Wooden Roof
2800
560,000
448,000
10.28 Marlas
General
Existing / Standing Crop in the Field
Enough Farm Labour
Electricity
Residential House (Marlas)
Residential House Status
Procurement Date
Proucurement Value
Present Value Rs.
Wheat
Yes
Yes
1 canal
Owned
1-Jan-05
1,000,000
800,000
Family Details
Family Size
Earning Members
Children / dependents
School going children
Education (Existing)
Marriage etc (Existing)
6
2
5
1
18,000
100,000
Farm Income Details

Milk Production / Animal / Day (Ltr)
Rate of Milk Sold
No. of Calves produced during the year
Rate of Calf
No of Trollies of Farm Yard Manure / Year
Rate / Trolly
10
55
23
10000
47
2000
7 (May use this value for calves obtained per year).
Other Incomes
Estimated Net Income From Crop Production / Acre /
Year
Income From Tractor / Year

Income From Others Sources
80,000
200,000
0
Farm Expenses Details

Rate of Green Fodder / Kg
Green Fodder Requirement / Animal / Day
Rate of Dry Fodder / Kg
Dry Fodder Requirement / Animal / Day
Rate of Concentrate / Kg
Concentrate Requirement / Animal / Day
No. of Servants at Farm
Salary / Servant / Month
Electricity Bill / Month
Vaccination Cost / Animal / Month
Miscllaneous Expenses / Animal / Month
Expected Mark-Up %age on Loan
5
35
3
5
18
3
2
8000
3000
130
25
15.5
[Total Expenses / Total Revenue] x 100
64
2 (May use this value for No. of Servants).
References
Persons met with 1
Persons met with 2
Persons met with 3
Comments
He is gentleman & honest person.
His relationship with others is fair.
Muhammad ali
Ameer Afzal
ZUBAIR NIAZI
Conclusion drawn after meeting with above persons.
The applicants is credit worthy and enjoys good moral & social reputation in the area.
Prospects of Farm Production on availability of Finance
Cost of production will reduce by purchasing the quality Inputs on Cash which will lead to the improved production.
Marketability of product
The produced milk readily sold to the local milk-men.
Detail of Existing Loans

Loan From MCB
Bank / Institute Name
A/C #
Sanction Date
Sanctioned Amt (M)
Purpose / Type of Loan
O/S Amt (M)
Security
Any Overdue
IDA
Expiry
Past Performance
MCB-0376
1001434
10-Oct-13
0.150
ARF
0.147
Agri Pass Book
Nil
1-Sep-13
31-Aug-14
Satisfactory
From Other Bank (1)

A/C #
Sanction Date
Sanctioned Amt (M)
O/S Amt (M)
Expiry
Security
Any Overdue
Nil
0
30-Dec-99
0.000
Nil
0.000
30-Dec-99
Nil
Nil
From Other Bank (2)

A/C #
Sanction Date
Sanctioned Amt (M)
O/S Amt (M)
Expiry
Security
Any Overdue
Nil
0
30-Dec-99
0.000
Nil
0.000
30-Dec-99
Nil
Nil
Proposal Elements
This Proposal
Proposed Limit
800,000
Mark Up Rate (TPMR)
1-YK+5%
Expiry
3-Years from IDA
Insurance Cover
Nil
Recommendation Level
(Name)
Designation
Munir Ahmad Butt
Agri Marketing Officer
Employee No.
32571
MUZAFER ALI KHAN
Branch Manager
Saif Ullah
Agri Marketing Manager
Approval Level
(Name)
Designation
GM & CO-I
Atta Ullah
Regional Head
Nayyar FAISAL
Credit Officer-I
Muhammad Azam
General Manager
Decision
Recommended
Recommended
for Approval
MCB BANK LTD

B/O
Buchiana
To:
The Regional Head,
From:
AMO, Buchiana
REF #:
BCN.COF/
Dated:
30-Jan-14
Subject: Agri-Proposal A/C
MCB Bank Ltd. Faisalabad
Dear Sir,
Please find enclosed herewith subject Agri Credit Porposal complete in all aspects
for your kind review, recommendation & onward submission to the relevant
authorities for its final approval, detailed as follows:
Facility Type :
ARF-Dairy
Status :
Fresh
A/C # :
1001434
Amt Proposed :
Rs.
Pass Book # :
6.700
ASV :
Rs.
PIUs # :
321
PIU Value :
Rs.
AMO,
MCB Bank Ltd,
Buchiana
126823
Area :
Regards,
0.800
Acres
3.685
0.642
CREDIT DOCUMENTATION CHECK-OFF LIST FOR AGRI CREDIT PROPOSAL

Branch:
Title of A/c:
Buchiana
Facility Type:
ARF-Dairy
29-Jan-14
Date Request:
Sr. No
Pre-Approval:
1
Region
Status
Faisalabad
Fresh
Amount
800000
PARTICULARS
Pass Book #
A/C No:
Code.
Proposal Date:
Attached
N/A
Covering Letter with Reference No.

Check List
CIB Report from SBP.
Credit Proposal Summary
Quotation, in case of Development Finance, for purchase of tractor / implements /

threshers / tube well/ animals (where applicable).
N/A
N/A
Feasibility Report for project financing (Livestock, Poultry, Fisheries etc.)

Copy of old approval in case of renewal, or if the cleint has already enjoyed any facility
from MCB
Previous loan adjsutment certificate, Manager's comments on its track record
accomplished with bank loan statement
Loan application form MF-05
Passport size photograph pasted on loan application form
Attested copies
of CNICsofofPass
Borrower
witness / references.
Certificate
of genuiness
Book /(personally
verified by AMO & Branch Manager
from revenue record).
N/A
8
9
10
11
12
13
14
15
16
17
18
19
20
Fairness of valuation certificate from AMO. Branch Manager duly confirmed by

Regional Head-(COM)
Credit Report of the Borrower
Farm/Field Visit Report
Appraisal Form (MF-46)
Legal Opinion from local Legal Retainer
Photocopy of Zari Pass Book OR all other property documents offered as security.
Three years Oust Baiy (Average Sale Value) certified by Revenue Officer.
Non-Encumbrance Certificate from Mukhtiarkar (on pass book).
21
Copy of record of rights to have confirmation that he is owner of Agri Land / security
offered till date.
22
23
24
25
26
Copy of Khasra Girdawari, in case finance facility is requested for the land under
cultivation by a farmer other than land owner.
Brief customer Report
Various certificates as per credit manual & review requiement.
NADRA verification of CNIC
Balance sheet as per PR-27 (conditional).
27
Copies of valid DSCs/SSCs term certificates, if Agri Financing is allowed against

lien/pledge of these instruments.
28
29
If facility is being allowed for Agri purpose against mortgage of rural/urban/commercial

properties, the same must be got evaluated by Banks approved evaluator and
valuation report
must be(schedule
obtained.III) against Agri Pass Book if previously mortgaged
Redemption
certificate
with other Banks.
Post Approval: (For Issuance of DAC)
2
3
4
5
6
7
8
9
1001434
376
30-Jan-14
2
3
4
126823
Remarks (If any)
Y
Y
Y
N/A
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
N/A
N/A
N/A
N/A
Charge creation on Pass Book / other property lien & pledge of marketable securities,
which is prime responsibility of AMO/BM.
IB-7 completely filled in (Blank spaces properly completed, initiated & dated) purchase
price calculated on the basis of Standard Mark-up Rate (SMR) up to the expiry of the
limit & sanctioned amount.
ZER BAR certificate (Charge Creation Certificate on Schedule-II).
Acceptance of terms & Conditions from the borrower on sanctioned letter incorporating
all necessary clauses of approval of finance.
Acknowledge of inputs / invoice / cash memo.
Joint registration of Tractor (in the name of Bank A/C Borrower).
Comprehensive insurance where applicable.
Post dated Cheques as per CRMD/CIR/09 dated: 02-02-2010
Compliance of any special condition advised by approving authorities
Any additional Document(s) Required in support of proposal :
Name of AMO:
Munir Ahmad Butt
Signature:
Dated:
30-Jan-14
Annexure IV
Check List for Prudential Regulation Compliance
[This list to be kept updated as per changes in PR]
Customer
B/o
Buchiana
Name
Guidelines:Answers should be Yes(Y) or Not Applicable (NA) for all the items listed below to be eligible for Bank's
financing unless prior exemption from SBP available on branch record.
(Y/NA)
Check List:-
4
5
6
7
8
9
10
11
12
Date:
Name:
Designation:
a) Financing facility to the single person (entity) at any point of time shall not
exceed 30% of the banks equity, subject to condition that the maximum
outstanding against fund based financing facilities do not exceed 20% of the
banks equity.
b) Groups Total Exposure Limit not exceeds 50% of banks equity & FB only 35%
of banks equity also complied with.
Approval of majority of directors of MCB's excluding the director(s) concerned
obtained as the borrower fall in category specified in of Prudential Regulation.
(Includes persons who may not be director but hold 5% share). Nor any un-secured
Advances allowed to / against guarantee of Bank's director.
a) Clean advances to the borrower from all Banks do not exceed Rs. 500,000/-.
Written declaration in this regard obtained from borrower to ensure that
prescribed limit is not breached at any time. All unsecured financing above Rs.
500,000/- be properly secured.
b) The purpose of loan, is expressly stated and is for genuine purpose (Applicable
for clean advances as well).
c) Loans obtained by the borrowers have been utilized for the purpose started
and specific purpose for which loan is being obtained known.
eCIB Report obtained (where financing exceeds Rs. 500,000/-) and is satisfactory /
due consideration given to overexposure / default by borrower.
Latest Borrower Basic Fact Sheet obtained (not require if all the BBFS information
is present in Loan Application Form)
In case Fresh Lending / enhancement, no such financing to be allowed to avoid
classification / to meet indicative targets.
Guarantees issued comply with PR & Banks Policy (exception in Banks Policy,
where applicable obtained from competent authority).
In case Development Finance, Loan to Value Ratio not exceeds 90:10.
a) In case Machinery / Equipment Finance, Hypothecation Agreement obtained.
b) Tractor Finance insured at all the time during tenancy of loan.
a) In case Live Stock, individuals performing livestock evaluation should be
capable of recognizing these issues, making appropriate adjustments, and
documenting the results
b) Periodic inspections, at-least twice a year should be carried out by a qualified
and appropriately trained person, who may be an official from the bank or an
independent person.
c) The maximum tenure for livestock financing would be five years (including of
grace period).
a) In case Corporate Farming, Fund Based & Non Fund Based Financing from all
Banks / DFIs by any borrower do not exceed 10 times of borrowers equity and
Fund Based 4 times of borrowers equity including subordinated debt with
subordination agreement duly signed
b) Statement of Accounts / Balance Sheet as required under Prudential
Regulation obtained (audited accounts required where exposure exceeds
Rs.10.000M or a limited company. In case of fully secured against liquid assets,
financial statement signed by borrower shall sufficient).
c) As per Prudential Regulation, current Ratio 1:1 is complied with.
d) Where current ratio is less than 1:1, approval from competent authority
obtained and borrower is advised in writing to improve the same and adjustment
effort initiated. (Bank Competent authority may relax the ratio up to 0.75:1.00).
Reason for allowing the exception recorded in writing and risk mitigates in place
and advised to CMD.
Classification of Advances for every category, where applicable, is done strictly in
accordance with time frame specified in Prudential Regulation or classification not
required. Classification of Restructured / Rescheduled loan not changed unless
terms are complied with, for a period of 1 year (excl. Grace period) and 10% of
Restructured / Rescheduled amount recovered.
30-Jan-14
Munir Ahmad Butt

AMO
Name:
Designation:
Y
NA
NA
Y
Y
Y
Y
Y
Y
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
MUZAFAR ALI KHAN

Branch Manager
Annexure XII
(Credit Risk Rating Score Card)
Credit Risk Rating Score Card
Name of
Customer
Branch
Buchiana
Maximum
Score
Score Obtained
20
20
20
20
15
10
10
10
10
0
-10
0
-10
-20
0
-10
0
-10
100
63
Scores Available
1. Age of Applicant
20
15
10
5
0
26 - 55
18 - 25
56 - 60
61 - 62
Above 62
2. Satisfactory Credit Relationship
20
15
5
0
11 Years and above

5-10 Years
1-5 Years
New Client
3. Security
20
15
10
8
5
Cash and Near Cash Collateral

Mortgage of Agri. Land
Mortgage of urban property
Mortgage of rural property
Third Party collateral (other than pass book
only)
4. Agriculture Experience
10
8
5
0
11 years & above

06 - 10 years
1 - 5 years
Nil
5. Cultivation Practices
10
5
Mechanized / Progressive
Conventional / Traditional
6. Sources of Irrigation
10
8
5
3
Canal & Tube well (both)

Canal only
Tube well only
Barani
7. [Total Expenses / Total Revenue] x

100 Below 50%
10
8
5
0
Upto 70%
Upto 80%
Above 81%
8. Repayments (Mark-up / Principal)

Regular
Overdue
9. Restructuring in the past 5 years

No
Yes / One
Yes / Two
10.
Security
No
Shortfalls
Documentation
Yes
11. Negative Comments

External
No Auditors
Yes
by
Internal
Total Scores
Assigned Risk Rating
Risk Rating
1
Above
Total Score
69
Between
58 and 68
Between
47 and 57
4
5
Between
Between
26 and 46
5 and 25
Below
Regulatory Classification
Assigned Risk
Rating
Credit Officer /
AMO Name
Munir Ahmad Butt
Branch Manager
Name
2
MUZAFAR ALI
KHAN
Signature:
Date:
Signature:
30-jan-14
Date:
30-jan-14
MCB
376
1001434
2014
Bank
Br. Code
A/C #
Type
Calendar Year
Limited
CREDIT PROPOSAL SUMMARY

Fresh
REF.
NO:
BRANCH INFORMATION
BRANCH:
Buchiana
REGION:
Faisalabad
BUSINESS GROUP:
RBG
CUSTOMER PROFILE
GROUP
N. A
NATURE OF BUSINESS:
Agriculturist
CAPACITY (PRODUCTION) :
N.A
PLANT LOCATION:
N.A
BUSINESS ADDRESS:
Chak No.586GB P/O Ganga Pur Tehsil Jaranwala
PERSON TO CONTACT:
Nasir Iqbal
PHONE No:
0331-9292586
0343-7659454
OWNERSHIP TYPE:
Joint
CLASSIFICATION STATUS:
Regular
BR. CODE:
CIRCLE
376
FAISALABAD
BCN.COF/
DATE A/C OPENED:
DATE:
This Proposal
CRR:
Fresh
GECP:
NA
QUALIFIED
50
CLEAN
% Share
50
Nasir Iqbal
ESTB.DATE:
30-Jan-14
29-Jan-14
Partners/Joint Account Holders
CIB REPORT: (ATTACHED )

PRUDENTIAL COMPLIANCE:
ARF-Dairy
2004
APPLIED
T O T AL
YES
100
Next Review Date:
1-FUND BASED FACILITIES:

Proposed
Limit
(M)
Present
Limit
(M)
O/S As
on
Proposed
Initial Date Expiry Date
Overdue
30-Jan-14
Fund Based Facilities:
Mark Up/
Commission
Margin
Expiry
ARF-Dairy
0.800
0.000
0.000
Nil
Nil
Nil
1-YK+5%
50%SBP
3- years from
Approval of
finanace
ARF
0.15
0.150
0.147
1-Sep-13
31-Aug-14
Nil
1-YK+5%
50%SBP
31-Aug-14
0.950
0.150
0.147
Total Fund Based Facilities:
2- NON FUND BASED FACILITIES:

O/S As
on
Proposed
Limit
(M)
Present
Limit
Nil
Nil
Nil
Total Non Fund Based Facilities:
0.000
0.000
0.000
Total Fund & Non Fund Based

Facilities:
0.950
0.150
0.147
Proposed
Initial Date Expiry Date
Overdue
Mark Up/
Commission
30-Jan-14
Non Fund Based Facilities:
---
---
---
Margin
Expiry
376
Br. Code
MCB
Bank
1001434
1
A/C #
Type
Limited
2014
Calendar Year
7- Financial Highlights
Balance Sheet:
Income Statement:
Audited / Un-Audited:
Audited / Un-Audited:
Name of Auditor:
Stocks
Sales Revenue
Receivables
Gross Profit
Other Current Assets
PBIT
Total Current Assets
Financial Charges
Net Fixed Assets
PBT
Other LT Assets
PAT
Total Assets
Specific B/S Items
ST Directors loans
Reval. Reserve as per PR V
Other Current Liabilities
Dir Loan Sub. to MCB
/A
N
N
/A
ST Debt from Bank's/FIs
Total Current Liabilities

L Debts from Bank/ lease finance
L T Loan from directors/ associates
Ratios:-
Total LT Liabilities
GP Margin (%)
PBT/Sales (%)
Paid Up Capital / Capital
PAT/Sales (%)
Retained Earnings/Reserves
Times Interest Earned
Less Drawings
Current Ratio
Total Equity
LT Debt / Equity Ratio
Total Bank Borrowing to

Equity
Total Liabilities & Equity
MCB Exposure on this Group
Borrowing from other Banks

Proposed Limit
Customer Name
F.B.
N.F.B.
Present Limit
F.B.
N.F.B.
Business Routed by the Group

Year
Overdue
Name of Bank
WC
TOTAL
LT
Business Routed by the Company

2010
2009
Year
2008
Deposit
Deposit
Import
Import
Export
Local
Remittance
Remittance
2010
2009
2008
MCB
376
1001434
2014
Bank
Br. Code
A/C #
Type
Calendar Year
Limited
COMMENTS:
Profile:
Mr.
are running Dairy Farm of

to purchase the
Inputs
47
animals (Milking + Others), the farm is located at
The client has requested for
ARF-Dairy
facility for Rs. 800,000
required for rearing of animals and to meet the working capital requirement.
FOT:
Agriculturist
(Dairy Farming)
Dairy Farm Production:
Sale of Milk worth Rs.
Expected Production:
Annual income from Dairy Farm will rise by purchase of inputs on cash from dealers instead of
6.605
M per year.
purchasing on credit from commission agents.

Major Buyers:
Product is sold in local market & purchased by local milk traders.
Crop Production:
Rice Paddy/Wheat worth Rs.
0.882
M per annum on
11.02
Acres as per Girdawari attached.
DETAIL OF ITEMS TO BE PURCHASED:

(As per income/expenditure statement)
Sr. No.
Summary of Items
Qty
Total Cost
ARF-Dairy
Green Fodder, Dry Fodder, Concentrate, Labor, etc.
As mentioned in income expenditure

statement
Rs. 4,501,240
ACCOUNT/GROUP PERFORMANCE:
Customer is engaged in Agri Business since
10
years and now has a good farming experience. The client enjoys good market reputation.
To enhance his capability for Dairy Farming he has requested for Agri Running Finance of Rs.
800,000
BORROWRING RELATIONSHIP WAS ESTABALISH IN 2012 AND CUSTOMER HAS SHOWN GOOD REPAYMENT BEHAVIOUR. KEEPING IN VIEW
PAST TRACK RECORD OF GOOD REPAYING BEHAVIOUR . FRESH ARF DAIRY IS RECOMMENDED OF 0.400M .
PROCEDURAL COMPLIANCE:
-
Client has been doing the farming business since about
10 years and has been operating its operations on most profitable terms.
Latest CIB Report showing exact Credentials of the Client has been arranged.
Branch Manager has confirmed Forced Sale Value of the property offered as collateral to be Rs.
and same has been confirmed by revenue authorities vide Pass Book No.
Legal opinion from Banks approved legal retainer Mr.
ownership of the property in the name of Mr.
2.948
M.
126823
Syed Sajjad Haider
has been obtained showing clear title.
Agri Pass Book No.
Area of Property
126823
53K-12M
Average Sale Value
Forced Sale Value
Rs.
Rs. 2.948 M
3.685
INDUSTRY OVERVIEW:
The agricultural sector contributes 23 % of GDP of Pakistan and about 66% of the Pakistans population is directly or indirectly
linked with agricultural sector. Government and State Bank of Pakistan have been striving hard for development of this
sector and through modernizing the techniques for agricultural activities farmer can achieve optimum production levels.
PRs COMPLIANCE:
-
Subject meets the PRs for Agriculture Financing and all other circulars of MCB Bank regarding agriculture financing.
Latest CIB Report DATED
showing CLEAR STATUS .
Present Request:
The Client has requested for
47
Animals.
Fresh
of
ARF-Dairy
for Rs.
0.800
M to meet the input needs of the Dairy Farm of
376
Br. Code
MCB
Bank
1001434
A/C #
1
Type
2014
Calendar Year
Limited
COLLATERAL SECURITY:
1- Proposed exposure will be secured against following collateral,

* Bank charge over Agri land through notification (which of full amount of Finance @ SMR) as contained in Agri Pass Book
No.
126823
detailed as under:
Property
Value (M)
Property in the shape of Agricultural Land admeasuring
53K-12M
Situated at

Land
53K-12M
3.685
Forced Sale Value

PIU (
2.948
321
) Value
owned by
having FSV Rs.
2.948
M as assessed
by revenue officer & confirmed by Agri Marketing Officer & Branch Manager.
0.642
50% of FSV
1.474
- The financing amount of Rs.

comes to Rs.
Mr.
0.800
M is less than 50% of the Market Value i.e. Average Sale Value of the collateral, which
1.843 M. Hence the cushion of 50% margin of security value is maintained.
- Creation of Bank charge through notification of full amount of Finance @ SMR in Pass Book #
shape of Agri Land admeasuring
53K-12M
126823
, of property in
entered at,
* Khewat No.36, Khatuni # 313-323 Qittats-30 (218K-0M) Ka 414/4360 share measuring 20K-14M,
* Khewat No.42 , Khatuni #353-357, Qittats-28 (210K-11M) Ka 658/4211 share measuring 32K-18M,
Vide Jamabandi Year
2010-11
situated at
Mr. Kashif Ali S/O Nemat ali

321
valuing Rs.
R/O
Owned by
having PIUs
0.642 M, Average Sale Value (ASV) Rs.
3.685
M & FSV Rs.
2.948 M (As assessed by Revenue Authority
and confirmed by the Branch Manager).

PRESENT REQUEST:
ARF-Dairy
Rs. 0.800 M.
Nature
Limit (M)
Status
Margin/Equity
Expiry
ARF-Dairy
0.800
Fresh
50%/SBP
3- Years from
Approval of
finanace
ARF
0.150
Existing
50%/SBP
31-Aug-14
JUSTIFICATION OF PROPOSED FACILITIES:

(a) Client has sufficient experience in the field of Agri Farming and is running the operations on most profitable terms.
(b) Sufficient Increase in the Agricultural production will lead to decrease in input costs considerably.
(c) Sufficient collateral is available against the proposed facility.
(d) WC requirement of the client is as under:
WC Requirement
Total No. of animals
47
Annual Input Requirement
Rs. 4,501,240
Quarterly Input Requirement
Rs. 1,125,310
Requirement / Animal / Quarter
Rs. 23,943
80% of the sum of Requirement / Animal / Quarter
Rs. 19,154
Total Financing Eligibility (Per Quarter)
(e) Proposed limit will improve its farm activities & increase milk production.
47
=
* 19,154
Rs. 900,248
MCB
376
Bank
Br. Code
1001434
2014
A/C #
Type
Calendar Year
Limited
ARF-Dairy For
Rs. 800,000
47
EXISTING NO. OF ANIMALS
33
MILKING ANIMALS
EXPENDITURES
FEED EXPENSES:
Quantity / Day /
Animal (Kgs)
Unit Price
(Rs. / Kg)
Expenses / Animal /
Day (Rs)
Green Fodder
35
175
8,225
250,177
3,002,125
Dry Fodder
15
705
21,444
257,325
Concentrate
18
54
2,538
77,198
926,370
244
11,468
348,818
4,185,820
Total----------------------(A)
Per Day
(Rs.)
Per Month
(Rs.)
Per Annum
(Rs.)
OTHER EXPENSES:
Salaries of servants
Utility bills
Medicines / Vaccination
Miscellaneous
Units
Unit Price
Expenses / Animal /
Day (Rs)
8000
11.19
526
16,000
192,000
12
3000
2.10
99
3,000
36,000
47
130
4.27
201
6,110
73,320
47
25
0.82
39
1,175
14,100
18
864
26,285
315,420
Total----------------------(B)
Per Day
(Rs.)
262
TOTAL WORKING CAPITAL REQUIREMENT (A+B)------( C )
Per Month
(Rs.)
12,332
Per Annum
(Rs.)
375,103
4,501,240
FAMILY EXPENDITURE DURING THE YEAR

Units
Expense / Day
(Rs.)
Expense / Unit
Expense / Month Expense / Annum

(Rs.)
(Rs.)
Domestic
12
15,000
493
15,000
180,000
Marriage etc.
12
10,000
329
10,000
120,000
Education
1,500
49
1,500
18,000
340
10,333
124,000
1211
36,833
442,000
Financial Charges (Mark-Up)
800,000
15.50 %
Total----------------------(D)
INCOME FROM DAIRY FARM

Units
Produce
Sale of Milk
33
10
55
18,095
550,390
6,604,675
Income from sale of Calves
47
23
10,000
630
19,167
230,000
47
47
2,000
258
7,833
94,000
15,000
164
5,000
60,000
19,147
582,390
6,988,675
Income
Sale of Farm Yard Manure

(1 Trolly / Animal / Year)
Income from Sheeps / Goats
Ave. Rate
Total----------------------(E)
Revenue / Day Revenue/ Month
Revenue/ Year
INCOME FROM OTHER SOURCES:

Units
Income / Day
(Rs.)
Income / Unit
Income / Month
(Rs.)
Income / Annum
(Rs.)
Income from Crops
11
80,000
2,415
73,458
881,500
Tractor
100,000
548
16,667
200,000
Other Income
2,963
90,125
1,081,500
Total----------------------(F)
Conclusions
Daily
Gross Income---------(E+F)
Total Expenses---------(C+D)
Net Income
Monthly
Annual
22,110
672,515
8,070,175
13,543
411,937
4,943,240
8,567
260,578
3,126,935
MCB
376
Bank
Br. Code
1001434
Limited
A/C #
Type
2014
Calendar Year
RECOMMENDATIONS:
In view of the foregoing, strong recommendations of Branch Manager, we recommend the
the proposed facility for your concurrence.
SPECIAL/OTHER CONDITIONS:
Proposal forwarded has been jointly recommended subject to the following conditions:
1. Two post dated cheques must be obtained from the client & D.A.C. To be issued from Regional
office after completing all formalities of sanction, as per CRMD cir No.09 dated 02-02-10
2. Annual clean up of loan shall be made as per cir # AGRI/LHR/GEN/532 dated 02-09-2009
3. Branch Manager shall annually Review the limit & allow disbursement for next year following
the procedure as mentioned in CRMD/CIR/ 11-03-2008 & CRMD/CIR/ 16 dated 29-04-2008
4. Prior to allowing utilization, field must ensure that:
i)
Perfection of entire security documentation specifically regarding creation of MCBs charge over
property through Agri Pass Book No.
126823
or Legal Cell, Clear opinion in this regard must be obtained and lodged with other security
documents.
ii) Proof of cultivation of land
53K-12M
owned by the borrower (i.e. Khasra Girdawari etc)
must be obtained and held on record.

iii) Branch Manager must certify /Confirm (1) Fairness of Valuation on the basis of Visit to Collateral
Site and (2) genuineness of Agriculture Pass Book No.
iv)
1-YK+5%
126823 & keep it in the credit file.
markup per annum if account remains regular and all installments and periodical
markup are timely repaid.

v) On default of principal/Mark-up as per circular # PO/GEN/CMD/226 dt.28.07.05 per annum shall be
charged till regularization of default.
vi) Branch Manager must ensure that the loan is utilized strictly for the purpose for which it is approved
and disbursement is made in kind.
5 Please obtain the following documents before disbursement of ARF:
i.
Attested copies of CNIC. of the applicant.
ii. Credit Officers/ Branch Managers to ensure that borrower satisfies minimum eligibility criteria as
set by SBP and as per Banks Policy.
iii. No payment is to be allowed to the defaulter of our bank or any other bank.
iv. The required documents and charge forms as per Agri credit scheme of SBP shall be obtained
before initiation of finance..
6 Compliance to SBP PRs, other credit restrictions and banks internal credit policy must be ensured.
MCB
376
Bank
Br. Code
1001434
2014
A/C #
Type
Limited
Calendar Year
Recommended Facility:
Nature &
Security
Status
ARF-Dairy
Fresh
ARF
Existing
Limit (M)
Margin
Markup/ Comm.
SMR
Expiry
Rs. 0.800
50%/SBP
1-YK+5%
As per circular
PO/GEN/GMG/226,
dt: 28.07.05
3- years from Approval of

finanace
Rs. 0.150
50%/SBP
1-YK+5%
As per circular
PO/GEN/GMG/226,
dt: 28.07.05
31-Aug-14
PURPOSE :
ARF-Dairy:WORKING CAPITAL REQUIRED FOR DAIRY FARM
53K-12M
Clean-up: Principal Annually,
- BM shall annually review the limit and shall allow disbursement for the next year following the procedure
as mentioned in the PO/ AGRI/GEN/134 dated 8th June 2010.
- Mark-up: SMR as per circular OP/GEN/CMG/226 dated 28/07/2005.
- TPMR: 1-YK+5%
Collateral:
1- Personal Guarantee of the Borrower(s) covering entire exposure on the name including SMR to be obtained.
2- Mortgage to be created through creation of Bank charge on Agri Land in the Pass Book #
126823
with the revenue office and obtained schedule-II (revised) certificate of creation of charge duly registered.
3- Notification of Bank charge of full amount of Finance @ SMR on Agri land measuring
in Agri Pass Book #
126823
53K-12M
as contained
entered at,
- Khewat No.36, Khatuni # 313-323 Qittats-30 (218K-0M) Ka 414/4360 share measuring 20K-14M,
- Khewat No.42 , Khatuni #353-357, Qittats-28 (210K-11M) Ka 658/4211 share measuring 32K-18M,
situated at Chak No.586GB P/O Ganga Pur Tehsil Jaranwala
Owned by Mr.
Valuing Rs.
3.685
M as assessed by revenue officer &
confirmed by Branch Manager.

MODE OF REPAYMENT: Limit is valid upto three years subject to clean up of utilized limit per year, as per circular #
AGRI/LHR/GEN/532 dated 02-09-2009.
EARLY REPAYMENT: There will be no penalty on early repayments/ adjustment of finance by the borrower.
Recommended By:
Munir Ahmad Butt
MUZAFER ALI KHAN
Saif Ullah
Branch Manager
Approved By:
Atta Ullah
Nayyar FAISAL
Muhammad Azam
Regional Head
Credit Officer-I
General Manager
Annexure III
Appraisal Form (MF-46A)

MF-46A (Revised)
Confidential
APPRAISAL FORM
MCB BANK LIMITED
(For Livestock Financing)
Branch Code No:
376
Name of Branch:
Buchiana
Name of Region:
Faisalabad
Loan Applied For Rs.
800,000
Loan Application Status:
Fresh
Loan Application No:
BCN.COF/
Date of Receipt:
29-Jan-14
ARF / APF / Revolving
Farm / Non
Farm Credit
ARF-Dairy
Purpose of Finance
Non Farm
Credit
Inputs
Personal Information
Name of Applicant
Co-Borrower
(If Any)
A/C No.
Dated:
1001434
Opened on:
30-Jan-14
Academic Qualification
10
Experience (Years)
29-Jan-14
Present Balance Rs.

Intermediate
Capability to Handle the project
Good
Technical Knowledge
Nasir Iqbal
Satisfactory
1000
Professional Qualification if any

Character /
Honesty
Residential accomodation (Rented / Family / Owned)
Good
Owned
Family Size (Nos)
Estimated Family income (Monthly)
Rs:
672,515
Earning Members
Estimated Monthly Expenditure
Rs:
411,937
Dependents
Rs:
260,578
Net Family Income (Monthly)
881,500
Income From Agriculture Rs.
Primary / Secondary
Details of Securities / Collateral offered:-
Mortgage of Agri Land
Value of Security Rs.
3.685
FSV Rs.
Income other than Agriculture
Secondary
Yes
2.948
Nil
0
N/A
Mort: of Rural/Urban Property

M
Margin of Security Held
50%SBP
Description of Security offered:-
Primary :-
Mortgage of Agri Land admeasuring
53K-12M
Secondary :-
Owned by Mr. Kashif Ali S/O Nemat ali
Nil
Borrowing from other banks
Name of the Bank /

Institution
Limit
Outstanding
Type of Loan
IDA
Expiry
Overdue
Security
MCB-0376
0.150
0.147
ARF
1-Sep-13
31-Aug-14
Nil
Agri Pass Book
Nil
0.000
0.000
Nil
30-Dec-99
30-Dec-99
Nil
Nil
Nil
0.000
0.000
Nil
30-Dec-99
30-Dec-99
Nil
Nil
0.150
0.147
Total
CIB Report as on
29-Jan-14
Insurance Cover :-
Nil
Clean
Yes
Qualified
Joint Registration of vehicle
N/A
Applied
N/A
MF-46A Page 1 of 5
N/A
Assets of Applicant
A/C
1- Agricultural Land
Area
In
Acres
Location
Details
(Union Council)
(Tehsil / District)
Khatuni /
Khasra
No.
Type of Land
Pass
Book No.
No. of
PIU
Value of
PIU Rs.
Soil
Condition
Means of
Irrigation
Clayey
Tubewell
irrigated
Present
Market
Value
Applicants owned land
Under Self Cultivation
b)
Leased Out
c)
Other
6.70
Nil
Nil
Nil
Nil
321
0.642
3.685
6.70
Sub Total
2
As Per Pass
Book
126823
a)
Chak No.586GB P/O

Ganga Pur Tehsil
Jaranwala
Land not owned by

Applicant but Cultivated
a)
On accquired on LEASE
b)
Dependents on other
Family members land
c)
Other
Chak No.586GB P/O

Ganga Pur Tehsil
Jaranwala
As Per
Girdawri
Attached
4.32
Tubewell
irrigated
Clayey
4.32
Sub Total
2- Farm Structure
Sr.
No.
Building Structure
on Land
Type of
Construction &
Location
Animal Shed
Cemented Bricks +
Wooden Roof
Approximate Area in Original Cost of

Sq.Ft
Construction
2800
Present Market
Value Rs.
Disposable
Condition *
0.448
0.448
0.560
Remarks
(if any)
Good
Condition
2
3- Animals
Sr.
Kind of Animal
No.
Buffaloes
1
Cows
2
Sheeps / Goats
3
* Cows / Buffalos / Goat /Hens etc
No. of Heads
Present Market Value
Remarks (if any)
40
7
8
3.200
0.350
0.120
Healthy
Healthy
Healthy
4- Equipment, Vehicles & Machinery

Sr.
No.
Type / Kind Equip

& Machinery
Procurement
Model Make
& Year
Amount /
Cost Rs.
1.400
0.500
Date
1
Tractor
2
FORD
2007
2
Tubewell
3
2006
3
(Tractors, Tubewells, Pump Motors, Implements, Threshers etc)
Market
Value Rs.
General Condition /
Remarks
1.120
0.400
Good
Good
Market
Value Rs.
General Condition /
Remarks
1.000
Good
5- Detail of Other Fixed Assets Including Rural or Urban Property

Sr.
No.
Detail of Assets
1
2
3
Residential House
Procurement
Amount /
Cost Rs.
1-Jan-05
1.000
Date
Comments
1- Repayment Behaviour of Borrowers
Prompt Re-payment
Late Re-payment
Default
2- Opinion regarding Credit Worthiness

Persons met with father's name
Their Opinion
Muhammad ali
Excellent / Most
Reliable
Good
Satisfactory
Doubt full/ not

satisfactory
ii
Ameer Afzal
Excellent / Most
Reliable
Good
Satisfactory
Doubt full/ not

satisfactory
Opinion / Conclusion drawn after meeting above persons.

The applicants is credit worthy and enjoys good moral & social reputation in the area.
3- Prospects of Farm Production on availability of Finance
Cost of production will reduce by purchasing the quality Inputs on Cash which will lead to the improved production.
4- Marketability of Product
The produced milk readily sold to the local milk-men.
Mode of Re-payment
Monthly
Total Requirement
(Per Quarter)
Quarterly
Half Yearly
Own
Contribution
Yearly
Debit Equity
Ratio
Lump Sum
Loan Amount
Recommended
1.125
0.325
29 : 71
0.800
MF-46A page 2 of 5
Kashif Ali & Nasir Iqbal (Dairy Farm)

ARF-Dairy
Rs. 800,000
47
EXISTING NO. OF ANIMALS
33
MILKING ANIMALS
EXPENDITURE
FEED EXPENSES:
Quantity / Day /
Animal (Kgs)
Unit Price
(Rs. / Kg)
Expenses / Animal /
Day (Rs)
Per Day
(Rs.)
Per Month
(Rs.)
Green Fodder
35
175
8,225
250,177
3,002,125
Dry Fodder
15
705
21,444
257,325
18
Concentrate
Total----------------------(A)
Per Annum
(Rs.)
54
2,538
77,198
926,370
244
11,468
348,818
4,185,820
OTHER EXPENSES:
Units
Unit Price
Expenses / Animal /
Day (Rs)
Per Day
(Rs.)
Per Month
(Rs.)
Salaries of servants
8000
11.19
526
16,000
192,000
Utility bills
12
3000
2.10
99
3,000
36,000
Medicines / Vaccination
47
130
4.27
201
6,110
73,320
Miscellaneous
47
25
0.82
39
1,175
14,100
18
864
26,285
315,420
262
12,332
375,103
4,501,240
Total----------------------(B)
TOTAL WORKING CAPITAL REQUIREMENT
(A+B)--------( C )
Per Annum
(Rs.)
FAMILY EXPENDITURE DURING THE YEAR

Units
Expense / Unit
Expense / Day
(Rs.)
Domestic
12
15,000
493
15,000
180,000
Marriage etc.
12
10,000
329
10,000
120,000
1,500
800,000
15.50
Education
Financial Charges (Mark-Up)
Total----------------------(D)
Expense / Month Expense / Annum

(Rs.)
(Rs.)
49
1,500
18,000
340
10,333
124,000
1211
36,833
442,000
Income From Dairy Farm

Income
Sale of Milk
Income from sale of Calves
Sale of Farm Yard Manure
(1 Trolly / Animal / Year)
Income from Sheeps / Goats
Produce
Ave. Rate
33
10
55
18,095
550,390
6,604,675
47
23
10,000
630
19,167
230,000
47
47
2,000
258
7,833
94,000
15,000
Total----------------------(E)
Revenue / Day Revenue/ Month
Revenue/
Year
Units
164
5,000
60,000
19,147
582,390
6,988,675
INCOME FROM OTHER SOURCES:

Units
Income / Unit
Income /
Day (Rs.)
Income /
Month (Rs.)
Income /
Annum (Rs.)
Income from Crops
11
80,000
2,415
73,458
881,500
Tractor
100,000
548
16,667
200,000
Other Income
2,963
90,125
1,081,500
Daily
Monthly
Annual
Total----------------------(F)
CONCLUSION
Gross Income---------(E+F)
Total Expenses---------(C+D)
22,110
672,515
8,070,175
13,543
411,937
4,943,240
Net Income
8,567
260,578
3,126,935
MF-46A Page 3 of 5
Certificate
A/C
Certified that I have appraised above loan application after conduction local and spot enquiry and verified from the
original revenue record. I am fully satisfied as to the identity and credit worthiness of the applicant(s). The security has
been properly evaluated as per standing instructions. The demand of the applicant is genuine and the project is
economically feasible / viable.
Signature of the investigating
Officer / AMO
Name
Munir Ahmad Butt
Designation
EMP: No.
32571
Date
30-Jan-14
Risk Assessment
High
Medium
Solvency / Repaying Capacity
Low
i.
Production and yield risks
ii.
Market and price risks
Fair
Good
Very Good
Excellent
iii. Social and legal risks

iv. Management skill risks
v.
Risk of technological
vi. Financial risks
vii. Other risks-(if any)
Livestock (already held)

Type of Animal
No.(s)
Buffaloes
40
Cows
Sheeps / Goats
Total
Produce
Production
Expenses
Income
As per Income / Expenditure Analysis attached.
55
6.989
Purpose of Finance
Term Finance or
Working Capital
Fattening
Breeding
Milch Animal
Other
Total
No. of Animal
Estimated Price
Other Items to be purchased
Working Capital Requirement as per Feasibility attached.
Cost if items
Total
Verified By:
Remarks of Assessing Officer

Satisfactory
Signature:
Name:
Designation:
Date:
Munir Ahmad Butt

29-Jan-14
MF-46A Page 4 of 5
A/C
Recommendations of Agri Marketing Officer

Recommended
Munir Ahmad Butt
Recommendations of Branch Manager

Recommended for Approval
MUZAFER ALI KHAN
Recommendations of Agri Marketing Manager

Saif Ullah
Recommendations of Regional Head
Atta Ullah
Recommendations of RH/DH-(ACD)
N/A
Signature
Amount Sanctioned (ARF-Dairy) Rs.

Expiry Date:
@ Mark Up
1-YK+5% % P.A
3-Years from IDA
Installment Fixed
Principal Rs.
N/A
Mark-Up Rs.
N/A
Total Rs.
N/A
Grace Period (if any)
Quarterly
N/A
Half Yearly
N/A
Date of 1st Installment due
N/A
N/A
Yearly
N/A
Date of Expiry
N/A
1- Signature
Name
of Sanctioning Authority
Muhammad Azam
Designation:
General Manager
Dated:
2- Signature
Name
of Sanctioning Authority
Nayyar FAISAL
Designation
Credit Officer-I
Dated
MF-46A Page 5 of 5
MCB BANK LTD

B/O
Buchiana
Date: 30-Jan-14
CERTIFICATE
REG: FAIRNESS OF VALUE OF LAND
A/C Kashif Ali & Nasir Iqbal
It is hereby confirmed that we are fully satisfied with the Average Sale Value (ASV)/
Market value of Agricultural Land offered as security in the subject account, as contained in
Agri Pass Book #
126823 detailed as under:
Owned By:
Resident of:
Land Measurment:
53K-12M
Situated at:
Average Sale Value:
Rs.
3.685
M (Assesed By Revenue Authorities)
Forced Sale Value:
Rs.
2.948
No. of PIUs
321
Value - Rs.
0.642
According to our assessment the Forced Sale Value (FSV) of Land, offered as security
is not less than
Rs.
2.948
proposed facility in the name of M/s
(M). Bank Charge to be created on the same land to secure

Munir Ahmad Butt
MUZAFAR ALI KHAN
Branch Manager
Saif Ullah
Atta Ullah
Regional Head-(COM)
MCB BANK LTD

B/O Buchiana
Dated: 30-Jan-14
CONFIRMATION OF GENUINENESS OF AGRI

PASS BOOK NO. 126823
It is certified and confirmed that I have physically visited the place/Agri land offered as secuirty,
checked and tallied the entries of above said Agriculture Pass Book with the Revenue record in
the name of:
Mr.
Resident of
Land Situated at: Chak No.586GB P/O Ganga Pur Tehsil Jaranwala
After careful observation/examination of Revenue record of concerned area it is stated

that above referred pass book is genuine & all entires are correct & match with the
available record in the relevant revenue office.
Further the signatures of Revenue Official affixed on the pass book are genuine
as per specimen, already held in record.
MUZAFAR ALI KHAN
Munir Ahmad Butt
Branch Manager
MCB BANK LTD

B/OBuchiana
Dated: 30-Jan-14
CREDIT WORTHINESS REPORT OF THE BORROWER

Date:
Name:
CNIC #:
Address:
30-Jan-14
Loan Application #

Account #
35202-9478815-9
Date Acc Opened
BCN.COF/
1001434
29-Jan-14
Detail of Assets
(M)
a)
b)
c)
d)
e)
f)
g)
Agri Land
53K-12M
Other properties(Give details)_Residential House
Implements Tube Well
3
Livestok
40
7
Buffaloes
Tractor
2
Other personal Assets:
Nil
PIU
321
Value Rs.
Value Rs.
Cows
Value Rs.
Value Rs.
Value Rs.
Value Rs.
Value Rs.
Total Rs.
3.685
1.000
0.400
3.550
1.120
0.000
0.642
10.397
REPUTATION:
PERSON MET:
Muhammad ali
THEIR REMARKS:
The applicant is credit worthy and enjoys good moral and social reputation in the area.
OUR RECOMMENDATIONS ARE

The applicant is self cultivator of his agricultural land which is free from any litigation.
His requirement for purchase of
Inputs
is genuine, therefore a limit of Rs.
800000
is recommended for sanction against charge on Agri Land measuring
53K-12M
valuing Rs.
3.685
M, vide Pass Book #
126823
_________________________
Munir Ahmad Butt
MUZAFAR ALI KHAN
Branch Manager
MCB BANK LTD

B/O Buchiana
Dated: 30-Jan-14
FARM/FIELD VISIT REPORT

A)
1234678911-
Personal Information:
Name
CNIC#
35202-9478815-9
Address
Age
5- Marital Status:
25
Years
No. Children/Dependents
5
No. school going children
Married
1
Dairy Farm
Crop Production
In Village
Major source of income

Others source of income, (if any)
He/she live in the village or on farm
B)
12-
Farm and Farming Data- Information:

Area owned by the farmer
53K-12M
Type of Land
Clayey
345-
Tubewell irrigated
Source of irrigation:
Area taken on lease/contract or of close relative
4.319
Availability of Farm Power:
Yes
Type
Source
Owned
Tractor
Make
Sheep/
Goats
Buffaloes
Cows
6789-
Acres
FORD
Model
Hired
2007
No
8
47
Does he posses enough farm labour?

Is electricity available on the Farm?
Has he/she got the agriculture Pass Book
If yes, give its Number & Date of issue
Present request of finance (Rs.)
Yes
Yes
Yes
126823 12-Jun-12
800,000
Munir Ahmad Butt
MUZAFAR ALI KHAN
AMO
BRANCH MANAGER
Buchiana
CERTIFICATE
It is certified that Agri land offered as security in agri loan A/C
is not landlocked & having direct approach through an independent way.
Munir Ahmad Butt

AMO
MUZAFAR ALI KHAN

B.M
CERTIFICATE
was not affected by the recent flood & about
50 KMs from the nearest river
Munir Ahmad Butt

AMO
Ravi
MUZAFAR ALI KHAN

B.M
CERTIFICATE
is situated at
which is about
8 KM from our branch. It is also confirmed that the borrower(s) is/are living at existing
place from more than 5 years.
Munir Ahmad Butt

AMO
MUZAFAR ALI KHAN

B.M
CERTIFICATE
It is certified that Mr.
do not have blood relationship
with any MCB employee as per available information & record.
Munir Ahmad Butt

AMO
MUZAFAR ALI KHAN

B.M
Comments of CO-I
____________________________________________________________________________________________
Client:
Request:
B/O:
Level:

ARF (For Livestock-Dairy Purpose) - Fresh
Buchiana
( 376 )
GM & CO-I
Request is reviewed as follows;

1- Purpose: For Agri use, Input needs for fertilizers, seeds for cultivation of Rabi & Kharif
2- Owned Land:
6.7000
Acres
3- No. Of Animals:
47
4- Total
Total Feed
& other
running Maximum
expenses of
the
farm/per
month:
financing
eligibility:180
days
working
capital Rs. 348,818
Rs. 2,092,910
5-
(Ref Circular # PO/AGRI/GEN/356 dated: December 21, 2006)

Pricing= 1-Year KIBOR + 5% (As per circular AGRI/GEN/LHR/52 dated 26/05/2011)
67- Clean-up requirement:

(As per Circular # PO/AGRI/356 Dt. 21-12-2006)
8- Mode of repayment: Limit allowed for One year to be renewed /rolled over each year based on the following:
9-
a. Loan is regular
b. No markup payment is overdue
c. At least 6 out of the 12 months markup payments received within 10 days of the due date.
d. Payments equivalent to at least 15% of maximum amount utilized have been received during the year.
Security to include PG of the Borrowers
Special Terms and conditions for approval shall be as follows;

1- Clean-up requirement to be followed as per policy.
2- Perfection of security documentation including mortgage of properties noting of MCBs charge with revenue
authorities must be arranged before disbursement of finance and a certificate be obtained & held on record.
3- DAC to be obtained from Regional Office after completion of documentation formalities.
4- Clean clear CIB not older than one month is annexed: dt. 29-Jan-14
5- Post dated cheques must be obtained from the Branch.
6- Attested copy of CNIC of the Borrower must be obtained.
7- Informal market check report on the name has been obtained and same is satisfactory.
Justification:
Field request for allowing ARF for Rs.0.800 M is supported for Rs.
M based on following:
1- Borrower having experience in Agriculture of more than 10 years.
2- Adequate income generation capacity of the client from primary activities i.e. farming (excluding income from other
sources) over the tenure of long term loan. Please refer to attached Income Vs Expenses calculation sheet.
3- Client is having adequate cushion in collateral offered.
4- Farm visit report and credit worthiness report of AMO and BM.
5- Agri land offered is not landlocked and has free access.
6- The land offered is not affected from flood and 50 KM away from river
Ravi
7- The land offered is
8 KM away from the Branch; (monitoring aspect).
8- Clear legal opinion on title of the collateral offered from local retainer Mr.
Syed Sajjad Haider
9- Copy of khasra Girdawari is also annexed.
Other credentials of the Borrower are as under:
Sr #
Particulars
Age of the Borrower(s)
Debt servicing capacity
3
PIU and FSV of Land
4
5
Area Owned
Area under cultivation
Nayyar FAISAL
Fact
Principal Borrower
Remarks
25 Years
Co-Borrower (If any)
36 Years
Net income over 5 years

Avg Sale Value: 3.685
Per Kanal: Rs. 68,750
2.948 M
FSV: Rs.
PIU:
321 x
2000
53K-12M
6.7000
Acres
53K-12M
Satisfactory
Satisfactory
M
Satisfactory
=
11.019 Acres
0.642 M
Satisfactory
Satisfactory
Credit Officer-I
ome from other
MCB BANK LTD

B/O
Buchiana
To:
The Tehsildar,
Jaranwala
From:
Manager, MCB
Buchiana
Ref #:
BCN.COF/
Dated:
30-Jan-14
CONFIRMATION OF GENUINESS OF ZARI PASS BOOK

Mr. Kashif Ali S/O Nemat ali
Dear Sir,
Following customer have approached us for sanction of Agri Finance Facility against
collatteral security of Agri Pass Book, issued by your good office. You are requested to
kindly confirm us the genuiness of Agri Pass Book as per following particulars:
Owner Name:
Resident of:

CNIC #:
35202-9478815-9
Pass Book No:
126823
Land Owned:
53K-12M
Situated at:
Remarks (if any):
Regards,
MANAGER
MCB BANK LTD

Buchiana
MCB BANK LTD

B/O Buchiana
To:
The Manager, ZTBL
From:
Manager, Buchiana
Ref #:
BCN.COF/
Dated:
30-Jan-14
Jaranwala
NOC ON MULTIPLE BORROWING

Dear Sir,
The Following Customer(s) have approached us for the sanction of Agri Finance Facility against collateral
security of Agri Land. You are requested to please inform us the repayment behaviour, if he has availed any
facility from your bank.
Applicant: 1
Applicant : 2
Name:
Nasir Iqbal
Resident of:

Jaranwala

Jaranwala
Pass Book No:
126823
CNIC #:
35202-9478815-9
Land Owned:
53K-12M
Situated At:

Jaranwala
Limit Amt
Facility Date
Regards,
MANAGER
MCB BANK LTD
Buchiana
33104-4007875-7
Maturity Date
Adjustment Date
Remarks (if any)

Arf Dairy of Kashif

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BASIC DATA SHEET

(Help Line:055-6585812, 0300-9619799, 0333-8150520)

Farm Visit Date

Branch Manager Name

MUZAFAR ALI KHAN

Regional Head Name

Munir Ahmad Butt

Kashif Ali S/O Nemat ali

Kashif Ali & Nasir Iqbal

Kashif Ali & Nasir Iqbal

Farming Experience (Years)

Chak No.586GB P/O Ganga Pur Tehsil

Nearer ZTBL Branch

Mortgage of Agri Land admeasuring

Description of Khewat, Khatuni etc

Leased Land under Cultivation (Acres)

Address of Leased Land

Chak No.586GB P/O Ganga Pur Tehsil

Khatuni / Khasra Numbers

As Per Girdawri Attached

Estimated Value (In Mn)

Detail of Leased Land

(Existing Assets + Income + Expenses)

Total Milch Animals

Present Market Value Rs. Of Animals

Major Source of Income

Other Source of Income

Address of Dairy Farm

Jama Bandi Year

Farm Income Details

7 (May use this value for calves obtained per year).

Income From Tractor / Year

Farm Expenses Details

[Total Expenses / Total Revenue] x 100

2 (May use this value for No. of Servants).

Conclusion drawn after meeting with above persons.

Prospects of Farm Production on availability of Finance

The produced milk readily sold to the local milk-men.

Detail of Existing Loans

From Other Bank (1)

From Other Bank (2)

Mark Up Rate (TPMR)

3-Years from IDA

Munir Ahmad Butt

Agri Marketing Officer

MUZAFER ALI KHAN

Agri Marketing Manager

MCB BANK LTD

The Regional Head,

Subject: Agri-Proposal A/C

MCB Bank Ltd. Faisalabad

Kashif Ali & Nasir Iqbal

CREDIT DOCUMENTATION CHECK-OFF LIST FOR AGRI CREDIT PROPOSAL

Kashif Ali & Nasir Iqbal

Covering Letter with Reference No.

Quotation, in case of Development Finance, for purchase of tractor / implements /

Feasibility Report for project financing (Livestock, Poultry, Fisheries etc.)

Fairness of valuation certificate from AMO. Branch Manager duly confirmed by

Copies of valid DSCs/SSCs term certificates, if Agri Financing is allowed against

If facility is being allowed for Agri purpose against mortgage of rural/urban/commercial

Post Approval: (For Issuance of DAC)

Remarks (If any)

Any additional Document(s) Required in support of proposal :

Munir Ahmad Butt