To

The Branch Head,

Capital Small Finance Bank,Tahli
Sub.: Valuation Report
1 Name of the borrower. Mrs. Renu Bala W/O. Mr. Gurdeep Lal

2 Name of the owner of the property Ms. Jimmy karla and Ms.Rohini kalra

3 Purpose of valuation To assaess the fair market value of the

property
4 Date of valuation 15-06-2022
5 Description of property(Give complete location It is an under construction residential
with address) building at #5,#5-A & #5-B, New Model
House, Abadi Jalowal, Basti Sheikh,
Jalandhar
6 How the present owner has acquired the title:

a) Through inheritance
b) Through sale. Sale deed no.4396 dated 20.08.2021
c)Through gift etc.
7 Nature of property:
a) Residential/Commercial/both. Residential
b) Plot/constructed. Under Construction
c) Single/Double/Triple storey etc Double
8 Classification of locality:
a) High class/middle/lower. Middle Class
b) Approved/unapproved. N.A.
c) Falls in lallakir/outside lallakir.
Outside Lal Lakir
d)Falls in municipal limit/outside municipal Within Municipal Limits
limit
9 Side/Boundaries of the property
Sale deed no.4396
dated 20.08.2021 Actual at Site
North Remaining Part of Remaining Part of
 Plot Plot
South #6 #6
East Others Others
West Road Road
1 Sale deed no.4396 dated 20.08.2021
0
Documents seen for establishing the title of the
property(whether original/photocopy)
1
1 It is free hold/lease hold Free Hold
1
2 If lease hold give following details:
a) Initial premium N.A.
b) Rent payable per annum N.A.
c) Whether lease is registered N.A.
d) Period of lease N.A.

e) Any adverse clause in the lease deed N.A.

f) Whether lease deed permit the mortgage of
lease hold rights. N.A.
1 If the property is constructed furnish the
3 following details:

a)Whether the building is self-owned/rented Self Owned

b)Whether the building is partly rented/partly
self-owned N.A.
c)Details of rent received
d) It is single/double/multi storey Double
e) Age of Building 0
e) Future life of constructed building 50-60 Year if maintained properly
f) Total covered area, Floor wise
Basement 0sq.ft.
Ground Floor 475sq.ft.
First Floor 254sq.ft.
Second Floor 0sq.ft.
Third Floor 0sq.ft.
Total Covered area 729sq.ft.
 g) Description of the construction made As Detailed

h)Class of construction A
1 N.A.
4
Give details of water and electricity charges if
any, Bills are paid by whom
1 N.A.
5
Whether the property is subject to property tax,
if yes, give details and ensure it is fully paid.
1 If the property is subject to any acquisition N.A.
6 under any scheme of the
Government(Present/near future)
1 N.A.
7
If the property is subject to any dispute with the
land lord/Govt./any other person.
1 As per Market Enquries
8 Bases of land rate adopted.
1 As per Market Enquries
9
Give instances of sale/purchase of immovable
property in the locality.
2
0 Other Misc., Technical details
Details of construction
Technical Specifications
Type of Foundation Spread Footing
Walls 1st Class B.B. Work in mud mortar
Partitions 1st Class B.B. Work in mud mortar
Flooring Conglomerate Flooring
Roofing & Terracing R.C. Slab
Compound Wall 1st Class B.B. Work in mud mortar
2 Special Architectural or decorative features if normal exterior & interior
1 anyFeatures
2 Valuation of Land
2
Land Unit Prevlent in the area Marla
1 Marla 207.00sq.ft.
Dimensions of the property
 Sale deed no.4396
dated 20.08.2021 Actual at SIte
North 28'-9" 28'-9"
South 29'-9" 29'-9"
East 39'-6" 39'-6"
West 39'-6" 39'-6"
Land area as per Deed 5.45 Marla
Land Area actual at Site 2.86 Marla
Area of land cosnsidered for valuation 2.86 Marla

Prevailing Market Rate ₹ 4,00,000 Per

Marla
Value of Land ₹ 11,44,000
2 Cost of Construction
3
Plot Area 593sq.ft.
Permisssible Plot Coverage 534sq.ft.
Maximum Covered Area as per F.A.R. 1,186sq.ft
.
Actual Plot Coverage 475sq.ft.
Actual Maximum Covered Area 729sq.ft.

Plot Coverage Considered for Valuation 475sq.ft.

Maximum Covered area Considered for 729sq.ft.

Valuation

2 Cost of Construction
3
Basement G.F F.F.
Plinth Area 475sq.ft
0sq.ft. . 254sq.ft. 0sq.ft.
Year of Construction 2022 2022 2021 2012
Age of Building 0year
Plinth area rate ₹ 1,500 ₹ 1,200 ₹ 1,125 ₹ 450
Replacement Cost ₹
5,70,00 ₹
₹0 0 2,85,750 ₹0
Total Replacement Cost ₹ 8,55,750
 Depreciation Factor(%) 0.00
Depreciation cost ₹0 ₹0 ₹0 ₹0
₹
Depreciated Cost 5,70,00 ₹
₹0 0 2,85,750 ₹0
Total Depreciated Cost ₹ 8,55,750
2 Total Value of Property
4
₹
a) Land Value
11,44,000
₹
b) Construction Value
8,55,750
₹
c) Grand Total ₹ 20,00,00
19,99,750 Say 0
Certificate :

Based on the information furnished to me, detailed inspection & measurements at site,
detailed local enquiries & taking into consideration such important features as the location
of the land, its potential for marketability, present market trends
₹20,00,000/ (Rupees Twenty lakhonly and its realizable value is ₹. 17,00, 000/ (Rupees
Seventeen lakh only)

Signature & stamp of the

Signature of borrower(s)
valuer
DECLARATION
I hereby declare that-
(a) The information furnished is true and correct to the best of my knowledge and belief.
(b) I have no direct or indirect interest in the property valued;
(c) I have personally inspected the property.
(d) I have not been found guilty of misconduct in my professional capacity.
NOTE:-
1. The valuation of the property has been done on the basis of the copy of the registered deed
of the property, the information supplied by the owner / his representative and visual
inspection of the property identified by the owner in his presence & actual measurements at
site. The owner should be asked to sign this report in token of confirmation of the fact
narrated in the report as intimated by him or his authorized representatives.
2. It is advised to consult Your legal advisor about originality of the deed
3. This report is given as an expert opinion on the available material & based on the inspection
and as identified by the owners concerned, however the valuation may be taken into account
or rejected at the discretion of the bank & it is only suggestion as regards the value.

4. The legal aspects were not considered in this valuation report.

5. the legal description of the title of the property is assumed to be correct
6. This-valuation work is undertaken by me based upon the request from The Manager ,
Capital Small Finance Bank,Tahli
7. If this property is offered as collateral security, the concerned financial institution is
requested to check to the extent of land as shown in this valuation report with Respect To
the latest legal opinion.
8. Value is time found & purpose found. The valuation report is as on date & for specific
purpose mentioned under I (2). The Report is not to be referred if the purpose is Different
other than mentioned (2)
9. Bank is requested to check whether N.O.C. from competent authority is required for the
above property through their LSA, & if so N.O.C. must be obtained before proceeding further
with disbursement of loan.
9. The deed involved in the property :
Sale deed no.4396 dated 20.08.2021
 Total Plot Area = 592sft.
Proposed G.F. Covered Area 475sft. 45sq.m.
Proposed F.F. Covered Area 254sft. 24sq.m.
Proposed S.F. Covered Area 0sft. 0sq.m.
Total Proposed Covered Area 729sft. 69sq.m.
Proposed covered area in sq.m.= 68
ESTIMATE OF MATERIAL
S.No. Item Quantity Rate/unit Amount in Rs.
1 Bricks(in nos.) 22048 7.2 158746
2 Cement in Bags 239 435 103965
3 Steel in Kg 1135 69 78315
4 Timber for Frames & Shutters(cu.m) 1.522 32375 49274
5 Sand (cu.m.) 29 651 18879
6 Coarse Aggregate 20mm & down(cu.m) 12 655 7860
7 Coarse Aggregate 40mm & down(cu.m) 12 871 10452
8 Brick Aggregate (cu.m) 7 818 5726
9 Primer in lit 5 150 750
10 Paint in lit. 7.614 350 2664.9
11 Glass (sq.m.) 4 42 168
12 Bitumen (kg) 116 50 5800
Door and window fittings
(a)Butt Hinges(no.) 100mm 24 50 1200
75 mm 42 35 1470
50mm 22 25 550
(b) Sliding bolts 250mm(no.) 6 25 150
(c )Door Lock (no.) 6 450 2700
(d)Tower bolts(no.) 250mm 10 45 450
150mm 24 40 960
100mm 9 35 315
(e) Door Handles (no.) 100mm 16 35 560
(f) Cup Board Knobs(no.) 2 50 100
(g) Ball Catcher (no.) 10mm 2 25 50
(h) Hook & Eyes(no.) 100mm 28 50 1400
(i) Chain & Hooks(no.) 300mm 4 50 200
(j) Hasp & Staples(no.) 115mm 1 35 35
(k) Fan light Catch (no.) 14mm 4 45 180
13 Rain Water Pipe 100mm 7 45 315
Bend 3 55 165
Plain 3 45 135
 Total Rs.4,53,535
ESTIMATE OF LABOUR
No. of Rate /
S.no. Labour Days Day Amount in Rs.
1 Mason 119 600 71400
2 Mazdoor 357 500 178500
3 Carpenter 72 650 46800
4 Painter 7 650 4550
7 Bar Bender 15 650 9750
Total Rs.3,11,000
Total cost of Materials &
Labour Rs.7,64,535
Add 2.50% Sundries 19114
Add 10% Profit & Overheads 76454
Total Rs.8,60,103
COST OF SERVICES
Item Rate per sq .m Amount in Rs.
Water Supply Arrangements 1187 80,716
Sanitary Arrangements 705 47,940
Electrical Arrangement 1058 71,944
Total Rs.2,00,600
EXTRA ITEMS
Item Rate per sq .m Amount in Rs.
For stub column arrangement in walls 715 49335
For Vitrified Tiles flooring 1855 126140
Construction of boundary wall 7'-
0" High with stub columns
Length in rm 125 2735 341875
Total 517350
Grand Total Rs.15,78,053
Work Already done Rs.8,55,750
Amount required to complete the work Rs.7,22,303
Cost of providing cupboards in Bed Rooms at G.F. & F.F. Rs.0
Cost of Modular kitchen at G.F. ( Lump Sum) Rs.2,75,000
Rs.9,97,303
Amount required to complete the construction Say 9,98,000