Lender's Appraisal Procedure
Chapter notes, video classes, MCQ practice tests and quick-revision one-liners for Retail Banking and Wealth Management — JAIIB.
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What is Lender's Appraisal Procedure?
is the structured discipline that converts a noisy loan application into a properly secured, monitorable asset.
Duly completed application form?
Application form provided by the lender, filled out accurately and completely.
Passport-size photograph?
Recent photograph of the applicant.
Proof of identity?
Any of: Voter ID Card, Passport, Driving Licence, PAN card.
PAN and Aadhaar card?
Copies of both PAN card and Aadhaar card (mandatory under PMLA / Income-tax Act).
Proof of residence?
Recent Telephone Bills, Electricity Bill, Property tax receipt, Passport, Voter ID Card.
Proof of business address (non-salaried)?
Document confirming the address of the applicant's business or profession.
Salary Certificate & Form No. 16 (salaried)?
Proof of income for salaried individuals, including income details and TDS particulars.
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