Date:- 14-12-2013 To, Chief Manager Oreintal Bank of Commerce , Farrukhabad.

Sir, As per yours instructions valuation report of commercial / residential property belongs to Mr. Suresh Chandra S/o Mr. Ram Narain & Mrs. Radha Devi W/o Mr. Suresh Chandra Srivastav situated at Moh.- Bazaria Nihal Chandra , Farrukhabad are as detail given below:Fair market value of property - Rs.8,43,000.00 ( Rs. Eight Lac Forty Three Thousand only ) Realizable value of property - Rs.7,16,000.00 ( Rs. Seven Lac Sixteen Thousand only ) Distress sale value of property - Rs. 6,30,000.00 ( Rs. Six Lac Thirty Thousand only ) VALUATION REPORT ON IMMOVABLE PROPERTY Part - I 1. Purpose for which valuation is made - for assessment of fair market value in N.P.A. Account of M/S Jai Maa Garment. Date as on which valuation is made - 14-12-2013 Document shown for perusal Photo copy of two sale deeds detail given in area analysis & Photo copy of previous valuation report dated 24-09-2010 issued by H.M. Saxena & Associates and Photo copy of N.E.C. report dated 15-09-2010 issued by bank panel Advocate Mr. K.C. Gupta. Due to N.P.A. Account and non cooperation of borrower only external verification are done by us and other detail taken from particulars available in banks record. 4. Name of the owner / owners - Mr. Suresh Chandra S/o Mr. Ram Narain & Mrs. Radha Devi W/o Mr. Suresh Chandra Srivastav r/o Moh.- Bazaria Nihal Chandra , Farrukhabad Contd.-2

2. 3.

( Note -This report contains 12 pages )

Continuation sheet No.-2 Subject.- To find out present fair market value of commercial / residential property belongs to Mr. Suresh Chandra S/o Mr. Ram Narain & Mrs. Radha Devi W/o Mr. Suresh Chandra Srivastav situated at Moh.- Bazaria Nihal Chandra , Farrukhabad
________________________________________________________________________________________________________________

5.

If the property is under joint ownership co-ownership , share of each such owner. Are the share undivided. - No , joint ownership and building jointly constructed undivided share. Brief description of the property - commercial / residential property - Moh.- Bazaria Nihal Chandra , Farrukhabad Boundaries of property :As per NEC Report & old valuation report Lane Shop & Property of Mr, Babu Ram Properry of Mr. Ashok Kumar Saxena Road As per present condition Cemented Lane Shop & House of Mr. Banwari Lal House of Mr. ashok Kumar Saxena Road ( Tikona Police Chauki to Jasmai Darwaja Road)

6.

Direction North South East West

7. 8. 9. 10. 11. 12. Land: 13.

Location , street , ward no.

- Moh.- Bazaria Nihal Chandra , Farrukhabad - T.P. no. 4 / 31 ( As per sale deed ) - Developed commercial / residential area - Middle class - Near by. - Yes , Painted Road

Survey / plot no. of land Is the property situated in residential / commercial / mixed area / industrial area Classification of locality - high class middle class / poor class Proximity to civic amenities, like school, hospital, offices, market, cinemas etc. Means and proximity to surface communication by which the locality is served. Area of land supported by documentary proof, shape, dimensions and physical features.

- 55.17 sqm , L - shape

14. 15. 16.

Roads, street or lands on which the land is abutting - Painted Road & C.C. Lane Is it freehold or leasehold land? If lease-hold the same of lesser / lessee , nature of lease, date of commencement and terms of renewal of lease Initial premium Ground rent payable per annum Unearned increase payable to the lesser in the event of sale or transfer - Free Hold

i. ii. iii.

- Not applicable - N/A - N/A - N/A Contd.-3

Continuation sheet No.-3 Subject.- To find out present fair market value of commercial / residential property belongs to Mr. Suresh Chandra S/o Mr. Ram Narain & Mrs. Radha Devi W/o Mr. Suresh Chandra Srivastav situated at Moh.- Bazaria Nihal Chandra , Farrukhabad ___________________________________________________________________________________________ 17. Is there any restrictive covenant in regard to use of land? If so, attach a copy of covenant. Are there agreements of easement ? if so, attach copies.

- No - Not applicable

18. 19.

20.

Does the land fall in an area included in any town planning plan of Govt. or any statutory body? If so, given particulars - Yes , Regulated Area , Farrukhabad. Has an contribution been made towards development or is any demand for such contribution still out standing? - No Has the whole or part of land been notified for acquisition by Govt. or statutory body ? Give date of notification. Attach a dimensioned site plan.

21.

- No

22.

- Measurement detail given in area analysis.

IMMPROVEMENTS: 23. Attach plans and elevation of all structure standing on the land and a lay - out plan. - Plan not available 24. Furnish technical details of the building on a separate sheet. The annexure to this form may be used. - Detail given as below 25. i. Is the building owner - occupied/tenanted/both? - Owner occupied ii. If partly owner-occupied, specify portion and extent of area under owner-occupation. - Not applicable 26. What is the floor space index permissible and percentage actually utilized ? - 2.00 permissible 1.32 utilized RENTS: - Not applicable 27. i. ii iii iv 28. Names of tenants / lessees / licensees Portions in their occupation. Monthly or annual rent / compensation / license fee, etc. paid by each. Gross amount received for the whole party. - N/A - N/A - N/A - N/A

Are any of the occupants related to, or close business associate of, the owner - Not applicable Contd.-4

Continuation sheet No.-4 Subject.- To find out present fair market value of commercial / residential property belongs to Mr. Suresh Chandra S/o Mr. Ram Narain & Mrs. Radha Devi W/o Mr. Suresh Chandra Srivastav situated at Moh.- Bazaria Nihal Chandra , Farrukhabad ___________________________________________________________________________________________ 29. Is separate amount being recovered for the use of fixtures, like fans, geysers, refrigerator, cooking ranges, built - in ward robes, etc. or for service charges? If so, give details. - Not applicable Give details of water and electricity charges, if any, to be borne by the owner

30.

- Not applicable

31. 32.

Has the tenant to bear the whole or part of the cost of repairs and maintenance? Give particulars. If a lift is installed, who is to bear the maintenance and operation , owner or tenant?

- Not applicable - No

33. 34.

If a pump is installed, who has to bear the cost of maintenance and operation owner or tenant? - No Who has to bear the cost of electricity charges for lighting of common space like entrance hall, stairs, passages, compound, etc-owner or tenant? - Not applicable What is the amount of property tax? Who is to bear it? Give details with documentary proof. - Not applicable. Is the building insured? If so, give the policy no., amount for which it is insured and the annual premium - No Is any dispute between landlord and tenant regarding rent pending in a court of law? Has any standard rent been fixed for the premises under any law relating to the control of rent?

35. 36.

37. 38.

- Not applicable - No

SALES: 39. Give instances of sales of immovable property in the locality on a separate sheet, indicating the name and address of the property, registration no. sale price and area of land sold. - Information not available Land rate adopted in this valuation. - Rs. 8000.00 per sqm. If sale instances are not available or not relied upon the basis of arriving at the land rate. - As per inquiry from local persons & as per detail given below. Contd.-5

40. 41.

Continuation sheet No.-5 Subject.- To find out present fair market value of commercial / residential property belongs to Mr. Suresh Chandra S/o Mr. Ram Narain & Mrs. Radha Devi W/o Mr. Suresh Chandra Srivastav situated at Moh.- Bazaria Nihal Chandra , Farrukhabad ___________________________________________________________________________________________ COST OF CONSTRUCTION: 42. 43. 44. 45. Year of commencement of construction and year of completion. - 1990 What was the method of const. by contract by employing labour directly/both? - Employed labour directly For items of work done on contract, produce copies of agreements. - Nil For items of works done by engaging labour directly. Give basis rates of material and labour supported by documentary proof. - Not applicable

ADDITIONAL INFORMATION / PAPERS: 46. 47. 48. 49. 50. 51. 52. 53. Whether the immovable property in question is in possession or is self-occupied - Yes Whether it is vacant plot or building - Building Whether it is an agricultural, residential or industrial - Commercial / residential Attach Photograph of the property for which valuation is being done - Yes Information with respect to cost indices - Not applicable Information with respect to plinth rates - Detail given as below Information with respect to Govt. prescribed rates for registration - Detail given as below Past instances of sale must be given in the valuation report (?) - Not available

PART-II- VALUATION (A) Value of land: (a) Area Analysis: As per photo copy of first sale deed available in bank record for perusal the property in question situated at Moh.- Bazaria Nihal Chandra , Farrukhabad is purchased by applicant jointly Mrs. Gyanwati W/o Mr. Muneesh Chandra vide sale deed registered in Book No. I, Volume 13 on Page No. at Sr. No. 3369 on dated 23-06-1978 of Sub Registrar , Farrukhabad office. Later Mrs. Gyanwati W/o Mr. Muneesh Chandra sold his share to Mrs. Radha Devi W/o Mr. Suresh Chandra Srivatav vide sale deed registered in Book No. I, Volume 1718 on Page No. 188-189 at Sr. No. 1534 on dated 23-02-1984 of Sub Registrar , Farrukhabad office. So applicants become 100% owner of property in question. Contd.-6

Continuation sheet No.-6 Subject.- To find out present fair market value of commercial / residential property belongs to Mr. Suresh Chandra S/o Mr. Ram Narain & Mrs. Radha Devi W/o Mr. Suresh Chandra Srivastav situated at Moh.- Bazaria Nihal Chandra , Farrukhabad ___________________________________________________________________________________________ (b) Measurement of property in question :Sr. No. Particular East 1. As per first sale deed measurement of total property. East side portion West North side corner portion 306 300 306 300 270 140 270 140 Not given Not given North-South West East-West North South Area in sq. fit or sqm.

(i) (ii)

2.

Actual site measurement as per previous valuation report measurement issued by H.M. Saxena & Associates dt. 24-09-2010 ( Pannel valuer of Bank ) East side portion West side portion 300 136 300 136 136 140 136 140 37.62 sqm 17.55 sqm

(i) (ii)

Total

55.17 sqm

Total area of property in question as per first sale deed is not given. But actual area as per first sale deed measurement is 115.53 sqm. Area of property in question applicants possession as per N.E.C. report dated 15-09-2010 issued by Mr. K.C. Gupta ( Empanelled Advocate of Bank ) & previous valuation report issued by Mr. H.M. Saxena ( Empanelled Valuer of Bank ) dated 24-09-2010 is 55.17 sqm. So we take plot area for valuation purpose as per N.E.C. report & previous valuation report is 55.17 sqm. (c) Valuation of land:There is no mathematical formula by which present market rate of land is evaluated it depending on various factors such as size, shape, use of property, availability, market rate , circle rate, drainage, electric line, locality , title of property, location of property , local sell / purchase trend of property etc. Circle rate in the locality approved by D.M. Farrukhabad w.e.f. 01-08-2013 for non agriculture land is Rs. 3000.00 per sqm + 10% extra for corner location plot ie. Rs. 3300.00 per sqm & for commercial property 300 time of rent Rs. 150.00 per sqm of commercial covered area ie. Rs. 45,000.00 per sqm. Contd.-7

Continuation sheet No.-7 Subject.- To find out present fair market value of commercial / residential property belongs to Mr. Suresh Chandra S/o Mr. Ram Narain & Mrs. Radha Devi W/o Mr. Suresh Chandra Srivastav situated at Moh.- Bazaria Nihal Chandra , Farrukhabad ___________________________________________________________________________________________ Prevailing market rate in the locality for plot varies between Rs.10,000.00 per sqm to Rs. 11,000.00 per sqm. due to developed commercial / residential mixed locality. Keeping above factors in the view, so we can safely adopt rate for land valuation is Rs. 8,000.00 per sqm. due to L - shape plot with less frontage. Area of Land Market Rate Value of Land = 55.17 sqm.

= Rs. 8000.00 per sqm. = = Rs. Say 55.17 x 8000.00 4,41,360.00

= Rs. 4,41,000.00

(B) Building:(a) Building discepretion :(1) Ground floor construction work is completed. Covered area of ground floor construction work ( as per previous valuation report dated 24-09-2010 issued by Mr. H.M. Saxena ) is 55.17 sqm. (2) First floor construction work is completed. Covered area of ground floor construction work ( as per previous valuation report dated 24-09-2010 issued by Mr. H.M. Saxena ) is 17.55 sqm. All const. work is about 24 year old. So depreciation is allowed. (3) (4) Minimum required electrification work is completed. By sinking fund method @ 3.5% assuming usefull life of R.B. / R.C.C. roof structure 60 year , the depreciation for 24 year old structure is 18.700%. Contd.-8

Continuation sheet No.-8 Subject.- To find out present fair market value of commercial / residential property belongs to Mr. Suresh Chandra S/o Mr. Ram Narain & Mrs. Radha Devi W/o Mr. Suresh Chandra Srivastav situated at Moh.- Bazaria Nihal Chandra , Farrukhabad ___________________________________________________________________________________________ (b) Valuation of Existing Construction: S. N. Particular of Item Covered Area Sqm Covered area rate ( Rs. Per Sqm ) 7000.00 6200.00 Const. Value Rs. Deprecation @ Rs. 18.700% 18.700% 72,217.53 20,347.47 Net Value Rs.

1. 2.

G.F. const. F.F. const.

55.17 17.55

3,86,190.00 1,08,810.00

3,13,972.47 88,462.53

Total value of existing const. Say

= Rs. 4,02,435.00 = Rs. 4,02,000.00

(c) Value of building extra items :

Nil

Fair market value of total property :(a) (b) (c) Value of land Value of building Value of building extra items = Rs. 4,41,000.00 = Rs. 4,02,000.00 = Nil _______________________ = Rs. 8,43,000.00

Total value of property

Realizable Value -

0.85 x Rs.8,43,000.00 Say

= Rs. 7,16,550.00 = Rs. 7,16,000.00

Distress Sale Value:- 0.75 x Rs. 8,43,000.00 = Rs. 6,32,250.00 Say = Rs. 6,30,000.00 Contd.-9

Continuation sheet No.-9 Subject.- To find out present fair market value of commercial / residential property belongs to Mr. Suresh Chandra S/o Mr. Ram Narain & Mrs. Radha Devi W/o Mr. Suresh Chandra Srivastav situated at Moh.- Bazaria Nihal Chandra , Farrukhabad ___________________________________________________________________________________________

Valuers Remark
(i) The commercial / residential property situated at Moh.- Bazaria Nihal Chandra, Farrukhabad is reported to have been owned by Mr. Suresh Chandra S/o Mr. Ram Narain & Mrs. Radha Devi W/o Mr. Suresh Chandra Srivastav r/o Moh.- Bazaria Nihal Chandra , Farrukhabad was inspected by me on 12-12-2013 for the purpose of assessing the present fair market value of the fixed asset in it. Based upon the actual observation and particulars provided to me for perusal ( photo copy of two sale deeds registered in Sub Registrar , Farrukhabad office. Detail given in area analysis & Photo copy of N.E.C. report dated 15-09-2010 issued by Mr. K.C. Gupta & Photo copy of previous valuation report dated 24-09-2010 issued by by Mr. H.M. Saxena ) detailed valuation reports have been prepared. After given careful consideration to various important factors like present condition, use of property, potential for marketability, it is my considered opinion that the present fair market value of above property belongs to Mr. Suresh Chandra S/o Mr. Ram Narain & Mrs. Radha Devi W/o Mr. Suresh Chandra Srivastav r/o Moh.- Bazaria Nihal Chandra , Farrukhabad situated at Moh.- Bazaria Nihal Chandra , Farrukhabad is Rs. 8,43,000.00 ( Rs. Eight Lac Forty Three Thousand only ) & realizable value of property is Rs. 7,16,000.00 ( Rs. Seven Lac Sixteen Thousand only ) and distress sale value of property is Rs. 6,30,000.00 ( Rs. Six Lac Thirty Thousand only ). (ii) If the property is offered as collateral security the concerned financial institution is requesting to verify the extent shown in the valuation with respect to the latest legal opinion. Financial institution are also requested to verify detail of sale deeds given in report with original sale deed and building detail given in report before finance. Value varies with the purpose and time. This value should not be referred for any purpose other than mentioned in valuation. This valuation report is my considered opinion and the discretion for making advance on basis of this opinion lies with Bank / Financial Institutions only.

(iii)

(iv)

Contd.-10

Continuation sheet No.-10 Subject.- To find out present fair market value of commercial / residential property belongs to Mr. Suresh Chandra S/o Mr. Ram Narain & Mrs. Radha Devi W/o Mr. Suresh Chandra Srivastav situated at Moh.- Bazaria Nihal Chandra , Farrukhabad ___________________________________________________________________________________________ PART-III- DECLARATION I hereby declare that:a. The information furnished in part I 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 on 12-12-2013 in the presence of Mr. Shree Ram Manager (Advances) , O.B.C. Farrukhabad as per his identification. d. I have not been convicted of any offence ad sentenced to a term of imprisonment. e. I have not been found guilty of misconduct in my professional capacity. DATE: 14-12-2013 PLACE: Shahjahanpur List of Enclosure - (i) Location plan of property (ii) 4 - nos. photographs of property SIGNATURE OF VALUER

Date:- 14-12-2013 To, Chief Manager Oreintal Bank of Commerce , Farrukhabad. Sir, As per yours instructions valuation report of residential property (land) belongs to Mr. Sashi Kumar S/o Mr. Late. Shiv Mangal Singh situated at Moh.- Mahadev Prasad Street ( Kooncha Beni Madho ) , Farrukhabad are as detail given below:Fair market value of property - Rs.3,87,000.00 ( Rs. Three Lac Eighty Seven Thousand only ) Realizable value of property - Rs.3,29,000.00 ( Rs. Three Lac Twenty Nine Thousand only ) Distress sale value of property - Rs. 2,70,000.00 ( Rs. Two Lac Seventy Thousand only ) VALUATION REPORT ON IMMOVABLE PROPERTY Part - I 1. Purpose for which valuation is made - for assessment of fair market value in N.P.A. Account of Mr. Sashi Kumar. Date as on which valuation is made - 14-12-2013 Document shown for perusal - Photo copy of sale deed no. 4930 dated 13-07-2009. Name of the owner / owners - Mr. Sashi Kumar S/o Mr. Late. Shiv Mangal Singh present r/o 4 / 81 , Moh.- Bazaria Salik Ram , Farrukhabad If the property is under joint ownership co-ownership , share of each such owner. Are the share undivided. - No Brief description of the property - residential property (land) - Moh.- Mahadev Prasad Street ( Kooncha Beni Madho ) , Farrukhabad Boundaries of property:As per sale deed of property Gali Kachchi 204 from which east side rasta to road H/o Late. Ram Saran Saxena H/o Mr. Sateesh Chandra & H/o Mr. Ravindra Shukla and others H/o Mr. Shyam Manohar & H/o Mr. Krishan Murari As per present condition of property Same Same Same Same

2. 3. 4.

5.

6.

Direction North South East West

( Note -This report contains - 9 pages )

Contd.-2

Continuation sheet No.-2 Subject.- To find out present fair market value of residential property (land) belongs to Mr. Sashi Kumar S/o Mr. Late. Shiv Mangal Singh situated at Moh.- Mahadev Prasad Street ( Kooncha Beni Madho ) , Farrukhabad.

7. 8. 9. 10. 11. 12.

Location , street , ward no. - Moh.- Mahadev Prasad Street ( Kooncha Beni Madho ) , Farrukhabad Survey / plot no. of land - 4 / 86 C Is the property situated in residential / commercial / mixed area / industrial area - Developed residential area Classification of locality - high class middle class / poor class - Middle class Proximity to civic amenities, like school, hospital, offices, market, cinemas etc. - Near by. Means and proximity to surface communication by which the locality is served. - Yes , Painted / C.C. Road

Land: 13. Area of land supported by documentary proof, shape, dimensions and physical features.

- 96.95 sqm , Rectangular shape

14. 15. 16.

Roads, street or lands on which the land is abutting - Common Rasta Kachcha Is it freehold or leasehold land? - Free Hold If lease-hold the same of lesser / lessee , nature of lease, date of commencement and terms of renewal of lease - Not applicable Initial premium - N/A Ground rent payable per annum - N/A Unearned increase payable to the lesser in the event of sale or transfer - N/A Is there any restrictive covenant in regard to use of land? If so, attach a copy of covenant. - No Are there agreements of easement ? if so, attach copies. - Not applicable Does the land fall in an area included in any town planning plan of Govt. or any statutory body? If so, given particulars - Yes , Regulated Area , Farrukhabad Has an contribution been made towards development or is any demand for such contribution still out standing? - Information not available Has the whole or part of land been notified for acquisition by Govt. or statutory body ? Give date of notification. - No Attach a dimensioned site plan. - Measurement detail given in area analysis. Contd.-3

i. ii. iii. 17. 18. 19.

20. 21. 22.

Continuation sheet No.-3 Subject.- To find out present fair market value of residential property (land) belongs to Mr. Sashi Kumar S/o Mr. Late. Shiv Mangal Singh situated at Moh.- Mahadev Prasad Street ( Kooncha Beni Madho ) , Farrukhabad.

IMMPROVEMENTS: 23. Attach plans and elevation of all structure standing on the land and a lay - out plan. - Plan not available 24. Furnish technical details of the building on a separate sheet. The annexure to this form may be used. - Not applicable. No const. at site 25. i. Is the building owner - occupied / tenanted / both ? - Not applicable ii. If partly owner-occupied, specify portion and extent of area under owner-occupation. - Not applicable 26. What is the floor space index permissible and percentage actually utilized? - Not applicable RENTS: 27. i. ii iii Not applicable Names of tenants / lessees / licensees - N/A Portions in their occupation. - N/A Monthly or annual rent / compensation / license fee, etc. paid by each. - N/A iv Gross amount received for the whole party. - N/A Are any of the occupants related to, or close business associate of, the owner - No Is separate amount being recovered for the use of fixtures, like fans, geysers, refrigerator, cooking ranges, built - in ward robes, etc. or for service charges? If so, give details. - No Give details of water and electricity charges, if any, to be borne by the owner - Not applicable Has the tenant to bear the whole or part of the cost of repairs and maintenance? Give particulars. - Not applicable If a lift is installed, who is to bear the maintenance and operation , owner or tenant? - Nil If a pump is installed, who has to bear the cost of maintenance and operation owner or tenant? - Nil Who has to bear the cost of electricity charges for lighting of common space like entrance hall, stairs, passages, compound, etc-owner or tenant? - No What is the amount of property tax ? who is to bear it ? give details with documentary proof. - Not applicable. Is the building insured? If so, give the policy no., amount for which it is insured and the annual premium - No Is any dispute between landlord and tenant regarding rent pending in a court of law? - Information not available Has any standard rent been fixed for the premises under any law relating to the control of rent? - No Contd.-4

28. 29.

30. 31. 32. 33. 34. 35. 36. 37. 38.

Continuation sheet No.-4 Subject.- To find out present fair market value of residential property (land) belongs to Mr. Sashi Kumar S/o Mr. Late. Shiv Mangal Singh situated at Moh.- Mahadev Prasad Street ( Kooncha Beni Madho ) , Farrukhabad.

SALES: 39. Give instances of sales of immovable property in the locality on a separate sheet, indicating the name and address of the property, registration no. sale price and area of land sold. - Information not available Land rate adopted in this valuation. - Rs. 4000.00 per sqm. If sale instances are not available or not relied upon the basis of arriving at the land rate. - As per inquiry from local persons & as per detail given as below.

40. 41.

COST OF CONSTRUCTION: 42. 43. 44. 45. Year of commencement of construction and year of completion. - No const. at site What was the method of const. by contract by employing labour directly / both? - Not applicable For items of work done on contract, produce copies of agreements. - Nil For items of works done by engaging labour directly. Give basis rates of material and labour supported by documentary proof. - Not applicable

ADDITIONAL INFORMATION / PAPERS: 46. 47. 48. 49. 50. 51. 52. 53. Whether the immovable property in question is in possession or is self-occupied - Yes Whether it is vacant plot or building - Vacant plot Whether it is an agricultural, residential or industrial - Residential Attach Photograph of the property for which valuation is being done - Yes Information with respect to cost indices - N.A. Information with respect to plinth rates - Not applicable Information with respect to govt. prescribed rates for registration - Detail given as below Past instances of sale must be given in the valuation report (?) - Not available PART-II- VALUATION (A) Value of land: (a) Area Analysis: As per photo copy of sale deed available in bank record for perusal the property in question situated at Moh.- Mahadev Prasad Street ( Kooncha Beni Madho ) , Farrukhabad is purchased by applicant vide sale deed registered in Book No. I , Volume 4154 on Page No. 105-128 at Sr. No. 4930 on dated 13-07-2009 of Sub Registrar , Farrukhabad office. Contd.-5

Continuation sheet No.-5 Subject.- To find out present fair market value of residential property (land) belongs to Mr. Sashi Kumar S/o Mr. Late. Shiv Mangal Singh situated at Moh.- Mahadev Prasad Street ( Kooncha Beni Madho ) , Farrukhabad.

(b) Measurement of property in question :Sr. No. Particular East 1. As per sale deed measurement 514 North-South West 514 East-West North 204 South 204 97.00 Area in sqm

Total area of property in question as per sale deed measurement is 97.00 sqm. but actual calculated area as per sale deed measurement is 96.95 sqm. So we take plot area for valuation purpose as per sale deed measurement actual calculation is 96.95 sqm. (c) Valuation of land:There is no mathematical formula by which present market rate of land is evaluated it depending on various factors such as size, shape, use of property, availability, market rate , circle rate, drainage, electric line, locality , title of property, location of property , local sell / purchase trend of property etc. Circle rate in the locality approved by D.M. Farrukhabad w.e.f. 01-08-2013 for non agriculture land is Rs. 3500.00 per sqm Prevailing market rate in the locality for plot varies between Rs.5000.00 per sqm to Rs.6000.00 per sqm. due to developed residential locality. Keeping above factors in the view, so we can safely adopt rate for land valuation is Rs. 4000.00 per sqm due common approach to plot. Area of Land Market Rate Fair market value of Land = 96.95 sqm. = 4000.00 per sqm. = 96.95 x 4000.00 = Rs. 3,87,800.00 Rs. 3,87,000.00

Say

Realizable Value -

0.85 x Rs.3,87,000.00 Say

= Rs. 3,28,950.00 = Rs. 3,29,000.00 Contd.-6

Continuation sheet No.-6 Subject.- To find out present fair market value of residential property (land) belongs to Mr. Sashi Kumar S/o Mr. Late. Shiv Mangal Singh situated at Moh.- Mahadev Prasad Street ( Kooncha Beni Madho ) , Farrukhabad.

Distress Sale Value:- 0.70 x Rs. 3,87,000.00 Say

= Rs. 2,70,900.00 = Rs. 2,70,000.00

Valuers Certificate
(i) The residential property (land) situated at Moh.- Mahadev Prasad Street ( Kooncha Beni Madho ) , Farrukhabad is reported to have been owned by Mr. Sashi Kumar S/o Mr. Late. Shiv Mangal Singh present r/o 4 / 81 , Moh.- Bazaria Salik Ram , Farrukhabad was inspected by me on 12-12-2013 for the purpose of assessing the present fair market value of the fixed asset in it. Based upon the actual observation and particulars provided to me for perusal ( photo copy of sale deed registered in Sub Registrar , Farrukhabad office no. 4930 dated 13-07-2009 ) detailed valuation reports have been prepared. After given careful consideration to various important factors like present condition, use of property, potential for marketability, it is my considered opinion that the present fair market value of residential property (land) belongs to Mr. Sashi Kumar S/o Mr. Late. Shiv Mangal Singh present r/o 4 / 81 , Moh.- Bazaria Salik Ram , Farrukhabad situated at Moh.- Mahadev Prasad Street ( Kooncha Beni Madho ) , Farrukhabad is Rs.3,87,000.00 ( Rs. Three Lac Eighty Seven Thousand only ) & realizable value of property is Rs. 3,29,000.00 ( Rs. Three Lac Twenty Nine Thousand only ) and distress sale value of property is Rs.2,70,000.00 ( Rs. Two Lac Seventy Thousand only ). (ii) If the property is offered as collateral security the concerned financial institution is requesting to verify the extent shown in the valuation with respect to the latest legal opinion. Financial institution are also requested to verify detail of sale deeds given in report with original sale deed and building detail given in report before finance. Value varies with the purpose and time. This value should not be referred for any purpose other than mentioned in valuation. This valuation report is my considered opinion and the discretion for making advance on basis of this opinion lies with Bank / Financial Institutions only. Contd.-7

(iii)

(iv)

Continuation sheet No.-7 Subject.- To find out present fair market value of residential property (land) belongs to Mr. Sashi Kumar S/o Mr. Late. Shiv Mangal Singh situated at Moh.- Mahadev Prasad Street ( Kooncha Beni Madho ) , Farrukhabad.

PART-III- DECLARATION I hereby declare that:a. The information furnished in part I 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 on 12-12-2013 in the presence of Mr. Shree Ram Manager ( Advances) , O.B.C. Farrukhabad ) as per his identification. d. I have not been convicted of any offence ad sentenced to a term of imprisonment. e. I have not been found guilty of misconduct in my professional capacity. DATE: 14-12-2013 PLACE: Shahjahanpur List of Enclosure - (i) Location plan of property (ii) 1 - nos. photographs of property SIGNATURE OF VALUER

Date:- 14-12-2013 To, Chief Manager Oreintal Bank of Commerce , Branch , Farrukhabad. Sir, As per yours instructions valuation report of residential property belongs to Mr. Mohammad Usman S/o Mr. Mohammad Muneer situated at Moh.- Nawab Dilawar Jang , Farrukhabad are as detail given below:Fair market value of property - Rs.11,09,000.00 ( Rs. Eleven Lac Nine Thousand only ) Realizable value of property - Rs. 9,40,000.00 ( Rs. Nine Lac Forty Thousand only ) Distress sale value of property - Rs. 7,75,000.00 ( Rs. Seven Lac Seventy Five Thousand only ) VALUATION REPORT ON IMMOVABLE PROPERTY Part - I 1. Purpose for which valuation is made - for assessment of fair market value in N.P.A. Account of M/S Diamond Faishan. Date as on which valuation is made - 14-12-2013 Document shown for perusal Photo copy of sale deed no. 10445 dt. 1-12-2009 registered in Sub Registrar Farrukhabad office & Photo copy of previous valuation report dt. 15-01-2011 issued by H.M. Saxena & Associates Due to N.P.A. Account and non cooperation of borrower only external verification are done by us and other detail taken from particulars available in banks record. 4. Name of the owner / owners - Mr. Mohammad Usman S/o Mr. Mohammad Muneer r/o Moh.- Nawab Dilawar Jang , Farrukhabad If the property is under joint ownership co-ownership , share of each such owner. Are the share undivided. - No , Brief description of the property - residential property- Moh.- Nawab Dilawar Jang , Farrukhabad Boundaries of property :As per sale deed of property House of Mr. Lal Miyan Plot of Mrs. Rehana Begum Plot of Mr. Mohd. Yusuf urf Achchan now owned by Mr. Safeeq Gali As per present condition at site House of Mr. Lal Miyan now H/o Mr. Sahid Ansari House of Mrs. Rehana Begum House of Mr. Safeeq C.C. Gali

2. 3.

5.

6.

Direction North South East West

( Note -This report contains 10 pages )

Contd.-2

Continuation sheet No.-2 Subject.- To find out present fair market value of residential property belongs to Mr. Mohammad Usman S/o Mr. Mohammad Muneer situated at Moh.- Nawab Dilawar Jang , Farrukhabad ___________________________________________________________________________________________ 7. 8. 9. 10. 11. 12. Location , street , ward no. - Moh.- Nawab Dilawar Jang , Farrukhabad - T.P. no. 41 P - Developed residential area - Middle class - Near by. - Yes , Painted / C.C. Road

Survey / plot no. of land Is the property situated in residential / commercial / mixed area / industrial area Classification of locality - high class middle class / poor class Proximity to civic amenities, like school, hospital, offices, market, cinemas etc. Means and proximity to surface communication by which the locality is served.

Land: 13. Area of land supported by documentary proof, shape, dimensions and physical features.

- 51.62 sqm , Rectangular shape

14. 15. 16.

Roads, street or lands on which the land is abutting - C.C. Lane Is it freehold or leasehold land? - Free Hold

i. ii. iii. 17. 18. 19.

20. 21. 22.

If lease-hold the same of lesser / lessee , nature of lease, date of commencement and terms of renewal of lease - Not applicable Initial premium - N/A Ground rent payable per annum - N/A Unearned increase payable to the lesser in the event of sale or transfer - N/A Is there any restrictive covenant in regard to use of land? If so, attach a copy of covenant. - No Are there agreements of easement ? if so, attach copies. - Not applicable Does the land fall in an area included in any town planning plan of Govt. or any statutory body? If so, given particulars - Yes , Regulated Area , Farrukhabad. Has an contribution been made towards development or is any demand for such contribution still out standing? - No Has the whole or part of land been notified for acquisition by Govt. or statutory body ? Give date of notification. - No Attach a dimensioned site plan. - Measurement detail given in area analysis. Contd.-3

Continuation sheet No.-3 Subject.- To find out present fair market value of residential property belongs to Mr. Mohammad Usman S/o Mr. Mohammad Muneer situated at Moh.- Nawab Dilawar Jang , Farrukhabad ___________________________________________________________________________________________ IMMPROVEMENTS: 23. Attach plans and elevation of all structure standing on the land and a lay - out plan. - Plan not available 24. Furnish technical details of the building on a separate sheet. The annexure to this form may be used. - Detail given as below 25. i. Is the building owner - occupied/tenanted/both? - Owner occupied ii. If partly owner-occupied, specify portion and extent of area under owner-occupation. - Not applicable 26. What is the floor space index permissible and percentage actually utilized ? - 2.00 permissible 2.00 utilized RENTS: - Not applicable 27. i. Names of tenants / lessees / licensees - N/A ii Portions in their occupation. - N/A iii Monthly or annual rent / compensation / license fee, etc. paid by each. - N/A iv Gross amount received for the whole party. - N/A 28. Are any of the occupants related to, or close business associate of, the owner - Not applicable 29. Is separate amount being recovered for the use of fixtures, like fans, geysers, refrigerator, cooking ranges, built - in ward robes, etc. or for service charges? If so, give details. - Not applicable 30. Give details of water and electricity charges, if any, to be borne by the owner - Not applicable 31. Has the tenant to bear the whole or part of the cost of repairs and maintenance? Give particulars. - Not applicable 32. If a lift is installed, who is to bear the maintenance and operation , owner or tenant? - No 33. If a pump is installed, who has to bear the cost of maintenance and operation owner or tenant? - No 34. Who has to bear the cost of electricity charges for lighting of common space like entrance hall, stairs, passages, compound, etc-owner or tenant? - Not applicable 35. What is the amount of property tax? Who is to bear it? Give details with documentary proof. - Not applicable. 36. Is the building insured? If so, give the policy no., amount for which it is insured and the annual premium - No 37. Is any dispute between landlord and tenant regarding rent pending in a court of law? - Not applicable 38. Has any standard rent been fixed for the premises under any law relating to the control of rent? - No Contd.-4

Continuation sheet No.-4 Subject.- To find out present fair market value of residential property belongs to Mr. Mohammad Usman S/o Mr. Mohammad Muneer situated at Moh.- Nawab Dilawar Jang , Farrukhabad ___________________________________________________________________________________________ SALES: 39. Give instances of sales of immovable property in the locality on a separate sheet, indicating the name and address of the property, registration no. sale price and area of land sold. - Information not available Land rate adopted in this valuation. - Rs.4500.00 per sqm. If sale instances are not available or not relied upon the basis of arriving at the land rate. - As per inquiry from local persons & as per detail given below.

40. 41.

COST OF CONSTRUCTION: 42. 43. 44. 45. Year of commencement of construction and year of completion. - 2010 as per previous valuation report What was the method of const. by contract by employing labour directly/both? - Employed labour directly For items of work done on contract, produce copies of agreements. - Nil For items of works done by engaging labour directly. Give basis rates of material and labour supported by documentary proof. - Not applicable

ADDITIONAL INFORMATION / PAPERS: 46. 47. 48. 49. 50. 51. 52. 53. Whether the immovable property in question is in possession or is self-occupied - Yes Whether it is vacant plot or building - Building Whether it is an agricultural, residential or industrial - Residential Attach Photograph of the property for which valuation is being done - Yes Information with respect to cost indices - Not applicable Information with respect to plinth rates - Detail given as below Information with respect to Govt. prescribed rates for registration - Detail given as below Past instances of sale must be given in the valuation report (?) - Not available PART-II- VALUATION (A) Value of land: (a) Area Analysis: As per photo copy of sale deed available in bank record for perusal the property in question situated at Moh.- Nawab Dilawar Jang , Farrukhabad is purchased by applicant vide sale deed registered in Book No. I, Volume 4367 on Page No. 01-28 at Sr. No. 10445 on dated 01-12-2009 of Sub Registrar , Farrukhabad office. Contd.-5

Continuation sheet No.-5 Subject.- To find out present fair market value of residential property belongs to Mr. Mohammad Usman S/o Mr. Mohammad Muneer situated at Moh.- Nawab Dilawar Jang , Farrukhabad ___________________________________________________________________________________________ (b) Measurement of property in question :Sr. No. Particular East 1. As per sale deed measurement. 150 North-South West 150 East-West North 370 South 370 555.00 sq. fit or 51.62 sqm Area in sq. fit or sqm

Total area of property in question as per sale deed is 51.62 sqm. As per previous valuation report dated 15-01-2011issued by H.M. Saxena & Associates dt. 15-01-2011 is 51.62 sqm. So we take plot area for valuation purpose as per actual calculated area of sale deed measurement is 51.62 sqm. (c) Valuation of land:There is no mathematical formula by which present market rate of land is evaluated it depending on various factors such as size, shape, use of property, availability, market rate , circle rate, drainage, electric line, locality , title of property, location of property , local sell / purchase trend of property etc. Circle rate in the locality approved by D.M. Farrukhabad w.e.f. 01-08-2013 for non agriculture land is Rs. 3500.00 per sqm. Prevailing market rate in the locality varies between Rs. 5500.00 per sqm to Rs. 6000.00 per sqm. due to locational advantage in developed residential surroundings. Keeping above factors in the view, so we can safely adopt rate for land valuation is Rs.4500.00 per sqm due to narrow approach . Area of Land Market Rate Value of Land = 51.62 sqm.

= Rs. 4500.00 per sqm. = 51.62 x 4500.00

= Rs. 2,32,290.00 Say = Rs. 2,32,000.00 Contd.-6

Continuation sheet No.-6 Subject.- To find out present fair market value of residential property belongs to Mr. Mohammad Usman S/o Mr. Mohammad Muneer situated at Moh.- Nawab Dilawar Jang , Farrukhabad ___________________________________________________________________________________________ (B) Building:(a) Building discepretion :Note -

(1)

Ground floor construction work is completed. Covered area of ground floor construction work ( as per previous valuation report dated 15-01-2011 issued by Mr. H.M. Saxena ) is 51.62 sqm.

(2)

First floor construction work is completed. Covered area of first floor construction work ( as per previous valuation report dated 15-01-2011 issued by Mr. H.M. Saxena ) is 51.62 sqm. All const. work is about 4 year old. So depreciation is not allowed.

(3)

Minimum required electrification work is completed.

(b) Valuation of Existing Construction: S. N. Particular of Item Covered Area Sqm Covered area rate ( Rs. Per Sqm ) 9000.00 8000.00 Const. Value Rs. Deprecation @ Rs. Nil Nil Nil Nil Net Value Rs.

1. 2.

G.F. const. F.F. const.

51.62 51.62

4,64,580.00 4,12,960.00

4,64,580.00 4,12,960.00

Total value of existing const. Say

= Rs. 8,77,540.00 = Rs. 8,77,000.00

(c) Value of building extra items :

Nil Contd.-7

Continuation sheet No.-7 Subject.- To find out present fair market value of residential property belongs to Mr. Mohammad Usman S/o Mr. Mohammad Muneer situated at Moh.- Nawab Dilawar Jang , Farrukhabad ___________________________________________________________________________________________ Fair market value of total property :(a) (b) (c) Value of land Value of building Value of building extra items = Rs. 2,32,000.00 = Rs. 8,77,000.00 = Nil _______________________ = Rs. 11,09,000.00

Total fair market value of property

Realizable Value -

0.85 x Rs.11,09,000.00 Say

= Rs. 9,42,650.00 = Rs.9,40,000.00

Distress Sale Value:- 0.70 x Rs. 11,09,000.00 = Rs. 7,76,300.00 Say = Rs. 7,75,000.00

Valuers Remark
(i) The residential property situated at Moh.- Nawab Dilawar Jang , Farrukhabad is reported to have been owned by Mr. Mohammad Usman S/o Mr. Mohammad Muneer r/o Moh.Nawab Dilawar Jang , Farrukhabad was inspected by me on 12-12-2013 for the purpose of assessing the present fair market value of the fixed asset in it. Based upon the actual observation and particulars provided to me for perusal ( photo copy of sale deed registered in Sub Registrar , Farrukhabad office. Detail given in area analysis & Photo copy of previous valuation report dated 15-01-2011 issued by H.M. Saxena & Associates) detailed valuation reports have been prepared. After given careful consideration to various important factors like present condition, use of property, potential for marketability, it is my considered opinion that the present fair market value of above property belongs to Mr. Mohammad Usman S/o Mr. Mohammad Muneer r/o Moh.- Nawab Dilawar Jang , Farrukhabad situated at Moh.- Nawab Dilawar Jang , Farrukhabad is Rs.11,09,000.00 ( Rs. Eleven Lac Nine Thousand only ) & realizable value of property is Rs. 9,40,000.00 ( Rs. Nine Lac Forty Thousand only ) and distress sale value of property is Rs. 7,75,000.00 ( Rs. Seven Lac Seventy Five Thousand only ). Contd.-8

Continuation sheet No.-8 Subject.- To find out present fair market value of residential property belongs to Mr. Mohammad Usman S/o Mr. Mohammad Muneer situated at Moh.- Nawab Dilawar Jang , Farrukhabad ___________________________________________________________________________________________ (ii) If the property is offered as collateral security the concerned financial institution is requesting to verify the extent shown in the valuation with respect to the latest legal opinion. Financial institution are also requested to verify detail of sale deeds given in report with original sale deed and building detail given in report before finance. Value varies with the purpose and time. This value should not be referred for any purpose other than mentioned in valuation. This valuation report is my considered opinion and the discretion for making advance on basis of this opinion lies with Bank / Financial Institutions only.

(iii)

(iv)

PART-III- DECLARATION I hereby declare that:a. The information furnished in part I 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 on 12-12-2013 in the presence of Mr. Shree Ram Manager (Advances) , O.B.C. Farrukhabad as per his identification. d. I have not been convicted of any offence ad sentenced to a term of imprisonment. e. I have not been found guilty of misconduct in my professional capacity. DATE: 14-12-2013 PLACE: Shahjahanpur List of Enclosure - (i) Location plan of property (ii) 2 - nos. photographs of property SIGNATURE OF VALUER

Date:- 14-12-2013 To, Chief Manager Oreintal Bank of Commerce , Farrukhabad. Sir, As per yours instructions valuation report of residential property belongs to Mrs. Asha Devi W/o Mr. Ram Charan Lal situated at Moh.- Allah Nagar urf Barhpur , Par.- Pahada ,Teh.- Sadar Distt.- Farrukhabad are as detail given below:Fair market value of property - Rs. ,000.00 ( Rs. Ten Lac Twenty Nine Thousand only ) Realizable value of property - Rs. 0,000.00 ( Rs. Eight Lac Seventy Thousand only ) Distress sale value of property - Rs. 0,000.00 ( Rs. Seven Lac Seventy Thousand only ) VALUATION REPORT ON IMMOVABLE PROPERTY Part - I 1. Purpose for which valuation is made - for assessment of fair market value in N.P.A. Account of Mr. Sanjeev Kumar. Date as on which valuation is made - 14-12-2013 Document shown for perusal Photo copy of sale deed no. 8435 dt. 31-11-1991 registered in Sub Registrar Farrukhabad office & Photo copy of previous valuation report dt. 14-09-2010 issued by H.M. Saxena & Associates Name of the reprted owner / owners - Mrs. Asha Devi W/o Mr. Ram Charan Lal (As per sale deed available in bank) present r/o Moh.- Allah Nagar urf Barhpur , Farrukhabad As per information available at the time of site visit owner sold the property to Mr. Daya Shankar Mishra s/o Mr. Jiley Dar Mishra & Mr. Vineet Mishra s/o Mr. Daya Shankar Misra. The property in question at present in possession of purchasers. Title is subjected to verified by legal openion. 5. If the property is under joint ownership co-ownership , share of each such owner. Are the share undivided. - No Brief description of the property - residential property - Moh.- Allah Nagar urf Barhpur , Farrukhabad Contd.-2

2. 3.

4.

6.

( Note -This report contains 10 pages )

Continuation sheet No.-2 Subject.- To find out present fair market value of residential property belongs to Mrs. Asha Devi W/o Mr. Ram Charan Lal situated at Moh.- Allah Nagar urf Barhpur , Farrukhabad ___________________________________________________________________________________________ Boundaries of property :Direction North South East West As per sale deed of property House of Mr. Babu Ram House of Mr. Natthoo Lal Jatav Door & Nikas Makan Hata Mulhak Gali & Khandhal Mr. Thakur Dass & Mr. Pagu Lal Jatav House of Mr. Mihi Lal & Mr. Kali Charan Jatav As per previous valuation report & present condition House of Mr. Babu Ram now Mr. Ravindra Dubey House of Mr. Natthoo Lal Jatav now Mr. Rajendra Gali & Plot of Mr. Thakur Dass & others now Plot of Mr. Kishan Dubey House of Mr. Mihi Lal & Mr. Kali Charan and others

7. 8. 9. 10. 11. 12.

Location , street , ward no.

- Moh.- Allah Nagar urf Barhpur , Farrukhabad - Not available - Developed residential area - Middle class - Near by. - Yes , Painted Road

Survey / plot no. of land Is the property situated in residential / commercial / mixed area / industrial area Classification of locality - high class middle class / poor class Proximity to civic amenities, like school, hospital, offices, market, cinemas etc. Means and proximity to surface communication by which the locality is served.

Land: 13.

Area of land supported by documentary proof, shape, dimensions and physical features.

- 113.00 sqm , Trapezoidal shape

14. 15. 16.

Roads, street or lands on which the land is abutting - C.C. Lane Is it freehold or leasehold land? - Free Hold

i. ii. iii. 17. 18. 19.

If lease-hold the same of lesser / lessee , nature of lease, date of commencement and terms of renewal of lease - Not applicable Initial premium - N/A Ground rent payable per annum - N/A Unearned increase payable to the lesser in the event of sale or transfer - N/A Is there any restrictive covenant in regard to use of land? If so, attach a copy of covenant. - No Are there agreements of easement ? if so, attach copies. - Not applicable Does the land fall in an area included in any town planning plan of Govt. or any statutory body? If so, given particulars - Yes , Regulated Area , Farrukhabad. Contd.-3

Continuation sheet No.-3 Subject.- To find out present fair market value of residential property belongs to Mrs. Asha Devi W/o Mr. Ram Charan Lal situated at Moh.- Allah Nagar urf Barhpur , Farrukhabad ___________________________________________________________________________________________ 20. 21. 22. Has an contribution been made towards development or is any demand for such contribution still out standing? - Information not available Has the whole or part of land been notified for acquisition by Govt. or statutory body ? Give date of notification. - No Attach a dimensioned site plan. - Measurement detail given in area analysis.

IMMPROVEMENTS: 23. Attach plans and elevation of all structure standing on the land and a lay - out plan. - Plan not available 24. Furnish technical details of the building on a separate sheet. The annexure to this form may be used. - Detail given as below 25. i. Is the building owner - occupied/tenanted/both? - Owner occupied ii. If partly owner-occupied, specify portion and extent of area under owner-occupation. - Not applicable 26. What is the floor space index permissible and percentage actually utilized ? - 1.75 permissible 1.49 utilized RENTS: - Not applicable 27. i. Names of tenants / lessees / licensees - N/A ii Portions in their occupation. - N/A iii Monthly or annual rent / compensation / license fee, etc. paid by each. - N/A iv Gross amount received for the whole party. - N/A 28. Are any of the occupants related to, or close business associate of, the owner - Not applicable 29. Is separate amount being recovered for the use of fixtures, like fans, geysers, refrigerator, cooking ranges, built - in ward robes, etc. or for service charges? If so, give details. - Not applicable 30. Give details of water and electricity charges, if any, to be borne by the owner - Not applicable 31. Has the tenant to bear the whole or part of the cost of repairs and maintenance? Give particulars. - Not applicable 32. If a lift is installed, who is to bear the maintenance and operation , owner or tenant? - No 33. If a pump is installed, who has to bear the cost of maintenance and operation owner or tenant? - No 34. Who has to bear the cost of electricity charges for lighting of common space like entrance hall, stairs, passages, compound, etc-owner or tenant? - Not applicable 35. What is the amount of property tax? Who is to bear it? Give details with documentary proof. - Not applicable. Contd.-4

Continuation sheet No.-4 Subject.- To find out present fair market value of residential property belongs to Mrs. Asha Devi W/o Mr. Ram Charan Lal situated at Moh.- Allah Nagar urf Barhpur , Farrukhabad ___________________________________________________________________________________________ 36. 37. 38. SALES: 39. Give instances of sales of immovable property in the locality on a separate sheet, indicating the name and address of the property, registration no. sale price and area of land sold. - Information not available Land rate adopted in this valuation. - Rs.4000.00 per sqm. If sale instances are not available or not relied upon the basis of arriving at the land rate. - As per inquiry from local persons & as per detail given below. Is the building insured? If so, give the policy no., amount for which it is insured and the annual premium - No onformation Is any dispute between landlord and tenant regarding rent pending in a court of law? - No information Has any standard rent been fixed for the premises under any law relating to the control of rent? - No

40. 41.

COST OF CONSTRUCTION: 42. 43. 44. 45. Year of commencement of construction and year of completion. - 1990 & 2000 as per previous valuation report What was the method of const. by contract by employing labour directly/both? - Employed labour directly For items of work done on contract, produce copies of agreements. - Nil For items of works done by engaging labour directly. Give basis rates of material and labour supported by documentary proof. - Not applicable

ADDITIONAL INFORMATION / PAPERS: 46. 47. 48. 49. 50. 51. 52. 53. Whether the immovable property in question is in possession or is self-occupied - Yes Whether it is vacant plot or building - Building Whether it is an agricultural, residential or industrial - Residential Attach Photograph of the property for which valuation is being done - Yes Information with respect to cost indices - Not applicable Information with respect to plinth rates - Detail given as below Information with respect to Govt. prescribed rates for registration - Detail given as below Past instances of sale must be given in the valuation report (?) - Not available

Contd.-5

Continuation sheet No.-5 Subject.- To find out present fair market value of residential property belongs to Mrs. Asha Devi W/o Mr. Ram Charan Lal situated at Moh.- Allah Nagar urf Barhpur , Farrukhabad ___________________________________________________________________________________________ PART-II- VALUATION (A) Value of land: (a) Area Analysis: As per photo copy of sale deed available in bank record for perusal the property in question situated at Moh.- Allah Nagar urf Barhpur , Farrukhabad is purchased by applicant vide sale deed registered in Book No. I, Volume 151 on Page No. 301-314 at Sr. No. 8435 on dated 31-11-1991 of Sub Registrar , Farrukhabad office. (b) Measurement of property in question :Sr. No. Particular East 1. As per sale deed & previous valuation report dated 14-09-2010 measurement. 236 North-South West 246 East-West North 543 South 463 113.00 Area in sqm

Total area of property in question as per sale deed measurement & previous valuation report dated 14-09-2010 issued by H.M. Saxena & Associates is 113.00 sqm but actual calculated area as per sale deed measurement verified at site is 112.04 sqm. So we take plot area for valuation purpose actual calculated area as per sale deed measurement is 112.04 sqm. (c) Valuation of land:There is no mathematical formula by which present market rate of land is evaluated it depending on various factors such as size, shape, use of property, availability, market rate , circle rate, drainage, electric line, locality , title of property, location of property , local sell / purchase trend of property etc. Circle rate in the locality approved by D.M. Farrukhabad w.e.f. 01-08-2013 for non agriculture land is Rs. 4000.00 per sqm. Prevailing market rate in the locality varies between Rs.5500.00 per sqm to Rs.6000.00 per sqm. due to developed residential locality. Keeping above factors in the view, so we can safely adopt rate for land valuation is Rs.4000.00 per sqm due to narrow approach to the property in question. Area of Land Market Rate Value of Land Say = 112.04 sqm. = Rs. 4000.00 per sqm. = 112.04 x 4000.00 = Rs.4,48,160.00 = Rs.4,48,000.00 Contd.-6

Continuation sheet No.-6 Subject.- To find out present fair market value of residential property belongs to Mrs. Asha Devi W/o Mr. Ram Charan Lal situated at Moh.- Allah Nagar urf Barhpur , Farrukhabad ___________________________________________________________________________________________ (B) Building:(a) Building discepretion :(1)

Ground floor construction work includes Four rooms , kitchen , W.C. , Bath room , covered passage , stairs to first floor , open c. yard with cement flooring is completed. Specification of construction work are such as load bearing structure , brick work with cement mortar , R.B. slab , plaster , cement floor , wooden Door/ widow farme & shuteers , external electrification , painting , colour/ white washing etc. Covered area of ground floor construction is 100.00 sqm. G.F. const. work is about 23 year old. So depreciation is allowed.

(2)

First floor construction work includes one room & one covered veranda is completed. Specification of construction work are such as load bearing structure , brick work with cement mortar , R.B. slab , partly plaster , partly cement floor , wooden Door/ widow farme & shuteers , external electrification , painting , colour/ white washing etc. Covered area of first floor construction work is 68.00 sqm. F.F. const. work is about 13 year old. So depreciation is allowed.

(3) (4)

Minimum required external electrification work is completed and municipal water supply is available.

By sinking fund method @ 3.5% assuming usefull life of R.B. roof structure 60 year , the depreciation for 23 & 13 year old structure is 17.575% & 8.218%. (b) Valuation of Existing Construction: S. N. Particular of Item Covered Area Sqm Covered area rate ( Rs. Per Sqm ) 7000.00 5500.00 Const. Value Rs. Deprecation @ Rs. 1,23,025.00 30,735.32 Net Value Rs.

1. 2.

G.F. const. F.F. const.

100.00 68.00

7,00,000.000 17.575% 3,74,000.00 8.218 %

5,76,975.00 3,43,264.68

Total value of existing const. Say (c) Value of building extra items : Nil

= Rs. 9,20,239.68 = Rs. 9,20,000.00 Contd.-7

Continuation sheet No.-7 Subject.- To find out present fair market value of residential property belongs to Mrs. Asha Devi W/o Mr. Ram Charan Lal situated at Moh.- Allah Nagar urf Barhpur , Farrukhabad ___________________________________________________________________________________________ Fair market value of total property :(a) (b) (c) Value of land Value of building Value of building extra items = Rs. 4,48,000.00 = Rs. 9,20,000.00 = Nil _______________________ = Rs. 13,68,000.00

Total value of property

Realizable Value -

0.85 x Rs. 13,68,000.00 Say

= Rs. 11,62,800.00 = Rs. 11,62,000.00

Distress Sale Value:- 0.70 x Rs. 13,68,000.00 = Rs. 9,57,600.00 Say = Rs. 9,57,000.00

Valuers Remark
(i) The residential property situated at Moh.- Allah Nagar urf Barhpur , Farrukhabad is reported to have been owned by Mrs. Asha Devi W/o Mr. Ram Charan Lal present r/o Moh.- Allah Nagar urf Badhpur , Farrukhabad was inspected by me on 12-12-2013 for the purpose of assessing the present fair market value of the fixed asset in it. Based upon the actual observation and particulars provided to me for perusal ( photo copy of sale deed registered in Sub Registrar , Farrukhabad office. Detail given in area analysis & Photo copy of previous valuation report dated 14-09-2010 issued by H.M. Saxena & Associates) detailed valuation reports have been prepared. After given careful consideration to various important factors like present condition, use of property, potential for marketability, it is my considered opinion that the present fair market value of above property belongs to Mrs. Asha Devi W/o Mr. Ram Charan Lal present r/o Moh.- Allah Nagar urf Badhpur , Farrukhabad situated at Moh.- Allah Nagar urf Barhpur , Farrukhabad is Rs. 13,68,000.00 ( Rs. Thirteen Lac Sixty Eight Thousand only ) & realizable value of property is Rs. 11,62,000.00 ( Rs. Eleven Lac Sixty Two Thousand only ) and distress sale value of property is Rs. 9,57,000.00 ( Rs. Nine Lac Fifty Seven Thousand only ). Contd.-8

Continuation sheet No.-8 Subject.- To find out present fair market value of residential property belongs to Mrs. Asha Devi W/o Mr. Ram Charan Lal situated at Moh.- Allah Nagar urf Barhpur , Farrukhabad ___________________________________________________________________________________________ (ii) If the property is offered as collateral security the concerned financial institution is requesting to verify the extent shown in the valuation with respect to the latest legal opinion. Financial institution are also requested to verify detail of sale deeds given in report with original sale deed and building detail given in report before finance. Value varies with the purpose and time. This value should not be referred for any purpose other than mentioned in valuation. This valuation report is my considered opinion and the discretion for making advance on basis of this opinion lies with Bank / Financial Institutions only.

(iii)

(iv)

PART-III- DECLARATION I hereby declare that:a. The information furnished in part I 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 on 12-12-2013 in the presence of Mr. Shree Ram Manager (Advances ), O.B.C. Farrukhabad as per his identification. d. I have not been convicted of any offence ad sentenced to a term of imprisonment. e. I have not been found guilty of misconduct in my professional capacity. DATE: 14-12-2013 PLACE: Shahjahanpur List of Enclosure - (i) Location plan of property (ii) 2 - nos. photographs of property SIGNATURE OF VALUER

Date:- 14-12-2013 To, Chief Manager Oreintal Bank of Commerce , Farrukhabad. Sir, As per yours instructions valuation report of residential property belongs to Mrs. Janki Yadav W/o Mr. Ahibaran Singh Yadav situated at Vill.- Haivatpur Gadhia , Pargana - Pahada , Teh.- Sadar , Distt.- Farrukhabad are as detail given below:Fair market value of property - Rs.12,79,000.00 ( Rs. Twelve Lac Seventy Nine Thousand only ) Realizable value of property - Rs.10,87,000.00 ( Rs. Ten Lac Eighty Seven Thousand only ) Distress sale value of property - Rs. 9,59,000.00 ( Rs. Nine Lac Fifty Nine Thousand only ) VALUATION REPORT ON IMMOVABLE PROPERTY Part - I 1. Purpose for which valuation is made - for assessment of fair market value in N.P.A. Account of M/S Bunty Traders. Date as on which valuation is made - 14-12-2013 Document shown for perusal Photo copy of sale deed no. 7811 dt. 13-10-2008 registered in Sub Registrar Farrukhabad office & Photo copy of previous valuation reports dt. 09-12-2010 issued by H.M. Saxena & Associates & valuation report dated 02-05-2013 issued issued by bank panel valuer Rajendra & Associates , Bareilly.Due to N.P.A. Account and non cooperation of borrower only external verification are done by us and other detail taken from particulars available in banks record Name of the owner / owners - Mrs. Janki Yadav W/o Mr. Ahibaran Singh Yadav r/o Moh.- Ganga Nagar Colony , Farrukhabad If the property is under joint ownership co-ownership , share of each such owner. Are the share undivided. - No Brief description of the property - residential property - Vill.- Haivatpur Gadhia , Pargana Pahada , Teh.- Sadar , Distt.- Farrukhabad ( Note -This report contains 10 pages ) Contd.-2

2. 3.

4.

5.

6.

Continuation sheet No.-2 Subject.- To find out present fair market value of residential property belongs to Mrs. Janki Yadav W/o Mr. Ahibaran Singh Yadav situated at Vill.- Haivatpur Gadhia , Pargana - Pahada , Teh.- Sadar , Distt.- Farrukhabad ___________________________________________________________________________________________ Boundaries of property :Direction North South East West As per sale deed of property Plot of Seller Rasta 120 wide Rasta Kachcha 120 wide Chak Road As actual at present Others Plot Rasta Ownerss House Chak Road

7. 8. 9. 10. 11. 12.

Location , street , ward no. - Vill.- Haivatpur Gadhia , Pargana - Pahada , Teh.- Sadar , Distt.- Farrukhabad Survey / plot no. of land - Not available Is the property situated in residential / commercial / mixed area / industrial area - Developed residential area Classification of locality - high class middle class / poor class - Middle class Proximity to civic amenities, like school, hospital, offices, market, cinemas etc. - Near by. Means and proximity to surface communication by which the locality is served. - Yes , C.C. Road

Land: 13. Area of land supported by documentary proof, shape, dimensions and physical features.

- 242.73 sqm , Rectangular shape

14. 15. 16.

Roads, street or lands on which the land is abutting - Rasta Kachcha Is it freehold or leasehold land? - Free Hold

i. ii. iii. 17. 18.

If lease-hold the same of lesser / lessee , nature of lease, date of commencement and terms of renewal of lease - Not applicable Initial premium - N/A Ground rent payable per annum - N/A Unearned increase payable to the lesser in the event of sale or transfer - N/A Is there any restrictive covenant in regard to use of land? If so, attach a copy of covenant. - No Are there agreements of easement ? if so, attach copies. - Not applicable Contd.-3

Continuation sheet No.-3 Subject.- To find out present fair market value of residential property belongs to Mrs. Janki Yadav W/o Mr. Ahibaran Singh Yadav situated at Vill.- Haivatpur Gadhia , Pargana - Pahada , Teh.- Sadar , Distt.- Farrukhabad ___________________________________________________________________________________________ 19. Does the land fall in an area included in any town planning plan of Govt. or any statutory body? If so, given particulars - Yes , Regulated Area , Farrukhabad. Has an contribution been made towards development or is any demand for such contribution still out standing? - No Has the whole or part of land been notified for acquisition by Govt. or statutory body ? Give date of notification. - No Attach a dimensioned site plan. - Measurement detail given in area analysis.

20. 21. 22.

IMMPROVEMENTS: 23. Attach plans and elevation of all structure standing on the land and a lay - out plan. - Plan not available 24. Furnish technical details of the building on a separate sheet. The annexure to this form may be used. - Detail given as below 25. i. Is the building owner - occupied/tenanted/both? - Owner occupied ii. If partly owner-occupied, specify portion and extent of area under owner-occupation. - Not applicable 26. What is the floor space index permissible and percentage actually utilized ? - 1.75 permissible utilized RENTS: - Not applicable 27. i. Names of tenants / lessees / licensees - N/A ii Portions in their occupation. - N/A iii Monthly or annual rent / compensation / license fee, etc. paid by each. - N/A iv Gross amount received for the whole party. - N/A 28. Are any of the occupants related to, or close business associate of, the owner - Not applicable 29. Is separate amount being recovered for the use of fixtures, like fans, geysers, refrigerator, cooking ranges, built - in ward robes, etc. or for service charges? If so, give details. - Not applicable 30. Give details of water and electricity charges, if any, to be borne by the owner - Not applicable 31. Has the tenant to bear the whole or part of the cost of repairs and maintenance? Give particulars. - Not applicable 32. If a lift is installed, who is to bear the maintenance and operation , owner or tenant? - No 33. If a pump is installed, who has to bear the cost of maintenance and operation owner or tenant? - No Contd.-4

Continuation sheet No.-4 Subject.- To find out present fair market value of residential property belongs to Mrs. Janki Yadav W/o Mr. Ahibaran Singh Yadav situated at Vill.- Haivatpur Gadhia , Pargana - Pahada , Teh.- Sadar , Distt.- Farrukhabad ___________________________________________________________________________________________ 34. 35. 36. 37. 38. Who has to bear the cost of electricity charges for lighting of common space like entrance hall, stairs, passages, compound, etc-owner or tenant? What is the amount of property tax? Who is to bear it? Give details with documentary proof. Is the building insured? If so, give the policy no., amount for which it is insured and the annual premium Is any dispute between landlord and tenant regarding rent pending in a court of law? Has any standard rent been fixed for the premises under any law relating to the control of rent?

- Not applicable - Not applicable. - No - Not applicable - No

SALES: 39. Give instances of sales of immovable property in the locality on a separate sheet, indicating the name and address of the property, registration no. sale price and area of land sold. - Information not available 40. Land rate adopted in this valuation. - Rs. 2800.00 per sqm. 41. If sale instances are not available or not relied upon the basis of arriving at the land rate. - As per inquiry from local persons & as per detail given below. COST OF CONSTRUCTION: 42. 43. 44. 45. Year of commencement of construction and year of completion. - 2009 as per previous valuation reports What was the method of const. by contract by employing labour directly/both? - Employed labour directly For items of work done on contract, produce copies of agreements. - Nil For items of works done by engaging labour directly. Give basis rates of material and labour supported by documentary proof. - Not applicable

ADDITIONAL INFORMATION / PAPERS: 46. 47. 48. 49. 50. 51. 52. 53. Whether the immovable property in question is in possession or is self-occupied - Yes Whether it is vacant plot or building - Building Whether it is an agricultural, residential or industrial - Residential Attach Photograph of the property for which valuation is being done - Yes Information with respect to cost indices - Not applicable Information with respect to plinth rates - Detail given as below Information with respect to Govt. prescribed rates for registration - Detail given as below Past instances of sale must be given in the valuation report (?) - Not available Contd.-5

Continuation sheet No.-5 Subject.- To find out present fair market value of residential property belongs to Mrs. Janki Yadav W/o Mr. Ahibaran Singh Yadav situated at Vill.- Haivatpur Gadhia , Pargana - Pahada , Teh.- Sadar , Distt.- Farrukhabad ___________________________________________________________________________________________ PART-II- VALUATION (A) Value of land: (a) Area Analysis: As per photo copy of sale deed available in bank record for perusal the property in question situated at Vill.- Haivatpur Gadhia , Pargana - Pahada , Teh.- Sadar , Distt.- Farrukhabad is purchased by applicant vide sale deed registered in Book No. I, Volume 3803 on Page No. 169-200 at Sr. No. 7811 on dated 13-10-2008 of Sub Registrar , Farrukhabad office. (b) Measurement of property in question :Sr. No. Particular East 1. As per sale deed & previous valuation report dated 09-12-2010 measurement. 300 North-South West 300 East-West North 870 South 870 242.73 Area in sqm

Total area of property in question as per sale deed measurement is 242.73 sqm. So we take plot area for valuation purpose as per sale deed measurement & previous valuation reports is 242.73 sqm. (c) Valuation of land:There is no mathematical formula by which present market rate of land is evaluated it depending on various factors such as size, shape, use of property, availability, market rate , circle rate, drainage, electric line, locality , title of property, location of property , local sell / purchase trend of property etc. Circle rate in the locality approved by D.M. Farrukhabad w.e.f. 01-08-2013 for non agriculture land is Rs. 2000.00 per sqm + 10% extra for corner location plot ie. Rs. 2200.00 per sqm. Prevailing market rate in the locality varies between Rs.3200.00 per sqm to Rs.3500.00 per sqm. due to developing residential locality with corner location plot. Keeping above factors in the view, so we can safely adopt rate for land valuation is Rs. 2800.00 per sqm. due to large extent of plot area. Contd.-6

Continuation sheet No.-6 Subject.- To find out present fair market value of residential property belongs to Mrs. Janki Yadav W/o Mr. Ahibaran Singh Yadav situated at Vill.- Haivatpur Gadhia , Pargana - Pahada , Teh.- Sadar , Distt.- Farrukhabad ___________________________________________________________________________________________ Area of Land Market Rate Value of Land = 242.73 sqm. = Rs. 2800.00 per sqm. = 242.73 x 2800.00 = Rs. 6,79,644.00 = Rs. 6,79,000.00

Say (B) Building:(a) Building discepretion :As per site inspection construction of building is under progress completed up to slab level brick work with outer boundary wall with gate . Specification of construction work is load bearing structure using cement mortar brick work etc. (b) Valuation of Existing Construction: Value of existing building const. completed up to slab level brick work of plot area 242.73 sqm @ Rs. 2200.00 per sqm. = Rs.6,00,006.00 Say = Rs. 6,00,000.00 (c) Value of building extra items : Nil Fair market value of total property :(a) Value of land (b) Value of building (c) Value of building extra items

= Rs. 6,79,000.00 = Rs. 6,00,000.00 = Nil _______________________ Total value of property = Rs. 12,79,000.00 = Rs. 10,87,150.00 = Rs. 10,87,000.00

Realizable Value -

0.85 x Rs. 12,79,000.00 Say

Distress Sale Value:- 0.75 x Rs. 12,79,000.00 = Rs.9,59,250.00 Say = Rs. 9,59,000.00

Valuers Remark
(i) The residential property situated at Vill.- Haivatpur Gadhia , Pargana - Pahada , Teh.Sadar , Distt.- Farrukhabad is reported to have been owned by Mrs. Janki Yadav W/o Mr. Ahibaran Singh Yadav r/o Moh.- Ganga Nagar Colony , Farrukhabad was inspected by me on 12-12-2013 for the purpose of assessing the present fair market value of the fixed asset in it.

Contd.-7

Continuation sheet No.-7 Subject.- To find out present fair market value of residential property belongs to Mrs. Janki Yadav W/o Mr. Ahibaran Singh Yadav situated at Vill.- Haivatpur Gadhia , Pargana - Pahada , Teh.- Sadar , Distt.- Farrukhabad ___________________________________________________________________________________________ Based upon the actual observation and particulars provided to me for perusal ( photo copy of sale deed registered in Sub Registrar , Farrukhabad office. Detail given in area analysis & Photo copy of previous valuation report dated 09-12-2010 issued by H.M. Saxena & Associates Report dated 02-05-2013 issued issued by bank panel valuer Rajendra & Associates , Bareilly) detailed valuation reports have been prepared. After given careful consideration to various important factors like present condition, use of property, potential for marketability, it is my considered opinion that the present fair market value of abovel property belongs to Mrs. Janki Yadav W/o Mr. Ahibaran Singh Yadav r/o Moh.- Ganga Nagar Colony , Farrukhabad situated at Vill.- Haivatpur Gadhia , Pargana Pahada , Teh.- Sadar , Distt.- Farrukhabad is Rs.12,79,000.00 ( Rs. Twelve Lac Seventy Nine Thousand only ) & realizable value of property is Rs. 10,87,000.00 ( Rs. Ten Lac Eighty Seven Thousand only ) and distress sale value of property is Rs.9,59,000.00 ( Rs. Nine Lac Fifty Nine Thousand only ). (ii) If the property is offered as collateral security the concerned financial institution is requesting to verify the extent shown in the valuation with respect to the latest legal opinion. Financial institution are also requested to verify detail of sale deeds given in report with original sale deed and building detail given in report before finance. Value varies with the purpose and time. This value should not be referred for any purpose other than mentioned in valuation.

(iii)

(iv)

a. b. c. d. e.

This valuation report is my considered opinion and the discretion for making advance on basis of this opinion lies with Bank / Financial Institutions only. PART-III- DECLARATION I hereby declare that:The information furnished in part I is true and correct to the best of my knowledge and belief. I have no direct or indirect interest in the property valued. I have personally inspected the property on 12-12-2013 in the presence of Mr. Shree Ram Manager ( advances) , O.B.C. Farrukhabad as per his identification. I have not been convicted of any offence ad sentenced to a term of imprisonment. I have not been found guilty of misconduct in my professional capacity.

DATE: 14-12-2013 PLACE: Shahjahanpur List of Enclosure - (i) Location plan of property (ii) 2 - nos. photographs of property SIGNATURE OF VALUER

To, Chief Manager The Oriental Bank of Commerce Farrukhabad Sir , As per yours instruction valuation report of residential property belongs to Mr. Yad Ram s/o Mr. Ayodhya Prasad situated at moh.- Sufi Khan , Farrukhabad are given as belowREPORT OF VALUATION OF IMMOVABLE PROPERTY (other than agricultural lands plantation , forests, mines and quarries) Part - 1 1 General : 1. Purpose for which valuation is made To find out present fair market value of property in N.P.A. account of Mr. Ganga Singh Date as on which valuation is made 04-01-2014 Name of the reported owner Mr. Yad Ram S/o Mr. Ayodhya Prasad present r/o Moh.- Sufi Khan , Farrukhabad If the property is under joint ownership co-ownership, share of each such owner. Are the share undivided? No Brief description of the property - Moh.- Sufi Khan , Farrukhabad Boundaries of property Direction North South East West As per sale deed House of Mr. Shiv Charan Gali & Nikas mosi parnala sai mubaiya House of Mr. Abdul Kadeer House of Mr. Ladley As per actual at present House of Mr. Shiv Charan C.C. road House of Mr. Abdul Hakim House of Mr. Saied Iqbal Contd. 2

2. 3.

4.

5.

Continuation sheet No.-2 Subject:- To find out present market value of residential property belongs to Mr. Yad Ram S/o Mr. Ayodhya Prasad situated at Moh.- Sufi Khan , Farrukhabad

6. 7. 8.

Location , street, Ward No. - Moh.- Sufi Khan , Farrukhabad Survey/Plot No. of land - Not available

Is the property situated in residential/commercial /mixed area/industrial area Classification of locality high class middle class / poor class

- Residential

9.

- Middle Class

10.

Proximity to civic amenities, like school, hospital, offices, market, cinemas etc. (i) Inter College - 850 M (ii) Bank - 500 M (iii) Market - 200 M Means and proximity to surface communication by which the locality is served.

11.

- Yes , Mettaled road & Cement concrete Lane

Land: 12. Area of land supported by documentary proof, shape, dimensions and physical features. 57.00 sqm (As per sale deed ) 55.74 sqm (Actual calculated area as sale deed measurements verified at site.) 13. 14. 15. Roads, street or lands on which the land is abutting - Cement concrete lane Is it freehold or leasehold land? - Free Hold

If lease-hold the same of lessor/lessee, nature of lease, date of commencement and terms of renewal of lease - Not applicable Initial premium Ground rent payable per annum Unearned increase payable to the lessor in the event of sale or transfer Is there any restrictive covenant in regard to use of land? If so, attach a copy of covenant. Are there agreements of easement ? if so, attach copies. No No Contd. 3

16.

17.

Continuation sheet No.-3 Subject:- To find out present market value of residential property belongs to Mr. Yad Ram S/o Mr. Ayodhya Prasad situated at Moh.- Sufi Khan , Farrukhabad

18.

19.

Does the land fall in an area included in any town s planning plan of Govt. or any statutory body? If so, given particulars - Yes Regulated Area , Farrukhabad Has an Contribution been made towards development or is any demand for such contribution still out standing? - Information not available Has the whole or part of land been notified for acquisition by Govt. or statutory body? Give date of notification. - Information not available Attach a dimensioned site plan. - As per sale deed measurement given in area analysis verified at site

20.

21.

IMMPROVEMENTS: 22. Attach plans and elevation of all structure standing on the land and a lay out plan. Furnish technical details of the building on a separate sheet. The annexure to this form may be used. i. ii. Is the building owner occupied/tenanted/both? If partly owner-occupied, specify portion and extent of area under owner-occupation. Sanctioned plan not available Detail given as below owner occupied Not Applicable

23.

24.

25.

What is the floor space index Permissible and percentage actually utilized? - Not Applicable

- 2.00 permissible - 1.89 utilized

RENTS: 26. i. ii. iii. iv.

Names of tenants/lessees/licensees Portions in their occupation. Monthly or annual rent/compensation/license fee, etc. paid by each. Gross amount received for the whole party.

27.

Are any of the occupants related to, or close business associate of, the owner - Not applicable Is separate amount being recovered for the use of fixtures, like fans, geysers, refrigerator, cooking ranges, built in ward robes, etc. or for service charges? If so, give details. - No Contd. 4

Continuation sheet No.-4 Subject:- To find out present market value of residential property belongs to Mr. Yad Ram S/o Mr. Ayodhya Prasad situated at Moh.- Sufi Khan , Farrukhabad

29.

Give details of water and electricity charges, if any, to be borne by the owner Has the tenant to bear the whole or part of the cost of repairs and maintenance? Give particulars. If a lift is installed, who is to bear the maintenance and operation , owner or tenant? If a pump is installed, who has to bear the cost of maintenance and operation owner or tenant? Who has to bear the cost of electricity charges for lighting of common space like entrance hall, stairs, passages, compound, etc-owner or tenant? What is the amount of property tax? Who is to bear it? Give details with documentary proof.

- Not applicable

30.

- Not applicable

31.

- No

32.

- No

33.

- Not applicable

34.

- Not assessed

35.

Is the building insured? If so, give the policy no., amount for which it is insured and the annual premium - Information not available Is any dispute between landlord and tenant regarding rent pending in a court of law? Has any standard rent been fixed for the premises under any law relating to the control of rent?

36.

- Not applicable

37.

- No

SALES: 38. Give instances of sales of immovable property in the locality on a separate sheet, indicating the name and address of the property, registration no. sale price and area of land sold. - Information Not Available Land rate adopted in this valuation. If sale instances are not available or not relied upon the basis of arriving at the land rate. - Rs. 5000.00 per sqm

39. 40.

- Detail given as below Based on inquiries from local persons & property brokers. Contd. 5

Continuation sheet No.-5 Subject:- To find out present market value of residential property belongs to Mr. Yad Ram S/o Mr. Ayodhya Prasad situated at Moh.- Sufi Khan , Farrukhabad

COST OF CONSTRUCTION: 41. Year of commencement of construction and year of completion. G.F.1997-98 & F.F.2008 & 2013 , partly semi finished

42.

What was the method of const. by contract by employing labour directly/both? directly 43. 44.

- Employed labour

For items of work done on contract, produce copies of agreements. Not applicable

For items of works done by engaging labour directly. Give basis rates of material and labour supported by documentary proof. - Not applicable ADDITIONAL INFORMATION / PAPERS: 45. 46. 47. 48. 49. 50. 51. 52. Whether the immovable property in question is in possession or is self-occupied - Yes Whether it is vacant plot or building Whether it is an agricultural, residential or industrial - Building - Residential

Attach Photograph of the property for which valuation is being done - Yes Information with respect to cost indices Information with respect to plinth rates - Not applicable - Detail given as below

Information with respect to Govt. prescribed rates for registration As give below Past instances of sale must be given in the valuation report(?) PART-II- VALUATION (A) Value of land: (a) Area Analysis: The property in question situated at Moh.- Sufi Khan , Farrukhabad is purchased by applicant vide sale deed registered in Book No. I , Volume 2100 on Page No. 360 to 362 at Sr. No.5323 on dated 23-08-1989 Sub Registrar, Farrukhabad office. Contd. 6 - Not available

Continuation sheet No.-6 Subject:- To find out present market value of residential property belongs to Mr. Yad Ram S/o Mr. Ayodhya Prasad situated at Moh.- Sufi Khan , Farrukhabad

(b) Measurement of Property: Sr. No. Particular NorthSouth East 1. As per sale deed measurement verified at site 200 West 200 EastWest North 300 South 300 57.00 Area in Sqm.

Total area of property in question as per sale deed is 57.00 sqm.but actual calculated area as per sale deed measurement veified at site is 55.74 sqm so we take plot area for valuation purpose is 55.74 sqm. (b) Valuation of land: There is no mathematical formula by which present market rate of land is evaluated it depending on various factors such as size, shape, use of property, availability, market rate, circle rate, drainage, electric line, locality, title of property, Local trend of sale / purchase of property etc. Circle rate in the locality approved by D.M. Farrukhabad w.e.f. 01-08-2013 for non agricultural land is Rs. 3000.00 per sqm. Prevailing market rate in the locality for residential land varies between Rs. 5500.00 per sqm to Rs. 6000.00 per sqm for due to locational advantage in developed residential surrounding locality moh.- Sufi Khan. Keeping above factors in the view the we can safely adopt rate for land valuation is Rs.5000.00 per sqm. Area of Land = 55.74 sqm. Market Rate Value of Land = Rs. 5000.00 per sqm. = 55.74 5000.00

= Rs. 2,78,700.00 Say = Rs. 2,78,000.00 Contd. 7

Continuation sheet No.-7 Subject:- To find out present market value of residential property belongs to Mr. Yad Ram S/o Mr. Ayodhya Prasad situated at Moh.- Sufi Khan , Farrukhabad

(a) Building description : (i) Ground floor finished & semi finishe const. work includes one rooms, on large veranda , w.c., bath room, covered passage , court yard covered by jall with cement floor , stair to F.F. etc. . Specification of construction work are such as brick work with cement mortar, R.C.C. slab (slab ht. 106), partly plaster, cement / marble flooring , M.S. & Wooden door frame & shutters, partly white / colour washing , painting, etc. Finished covered area of ground floor const. ( one room , w.c. , bat room , covered passage , stairs ) is 32.69 sqm and remaining covered area of semi finished ground floor const.includes large veranda is 18.58 sqm. Total covered area of ground foor construction is 51.27 sqm. G.F. const. work is about 15 year old , so depreciation is allowed. (ii) First floor old construction work includes one rooms & stairs to roof etc. First floor new construction work includes one room , balcony , veranda / lobby etc. Specification of construction work are such as brick work with cement mortar, R.C.C. slab (slab ht. 100), plaster, cement flooring , M.S. & Wooden door frame & shutters, white / colour washing , painting, etc. Covered area of first floor old const. ( one room , stairs ) is 20.90 sqm and remaining covered area of first floor new const.includes one room , balcony , veranda / lobby is 33.22 sqm. Total covered area of first foor construction is 54.12 sqm. First floor old const. work is about 15 year old & first floor new construction work is about 6 month old , so depreciation is allowed only for first floor old construction . (iii) (iv) (v) (vi) (vii) Municipal water supply with pump is available water supply. Minimum required External electrification work is completed. Const. of septic tank is completed. Const. of Parapet wall is completed. By sinking fund method @ 3.5% assuming use full life of Load bearing structure with R.C.C. slab 75 years the depreciation for 15 years old structure is 9.841% . Contd. 8

Continuation sheet No.-8 Subject:- To find out present market value of residential property belongs to Mr. Yad Ram S/o Mr. Ayodhya Prasad situated at Moh.- Sufi Khan , Farrukhabad

(b) Valuation of Existing Construction: S. No . Particular of Item Covered Area Sqm Covered Area rate (Rs.per sqm) Const. Value Rs. Deprecation @ Rs. Net Value Rs.

1. 2.

G.F. finished const. G.F. Semi Finished const. F.F. old const. F.F. new const.

32.69

6500.00

2,12,485.00

9.841%

20,910.65

1,91,574.35

18.58 20.90 33.22

4000.00 5000.00 6500.00

74,320.00 1,04,500.00 2,15,930.00

9.841% 9.841% Nil

7,313.83 10,283.84 Nil

67,006.17 94,216.15 2,15,930.00

3. 4.

Total Value of existing construction = Rs. 5,68,716.67 Say = Rs. 5,68,000.00 ( c ) Miscellaneous: (i) (iii) Const. of septic tank Const. of Parapet wall work etc. (L.S.) = Rs. 15,000.00 (L.S.) = Rs. 20,000.00 _________________ Total = Rs. 35,000.00

(C) Summary of valuation: (a) Value of Land (b) Value of Building (c) Miscellaneous

= Rs. 2,78,000.00 = Rs. 5,68,000.00 = Rs. 35,000.00 ___________________ Total Fair market value of property = Rs. 8,81,000.00

Realizable Value:0.85 x Rs. 8,81,000.00 Say Distress Sale Value :0.70 x Rs. 8,81,000.00 Say = Rs. 6,16,700.00 Rs. 6,15,000.00 Contd. 9 = Rs. 7,48,850.00 Rs. 7,48,000.00

Continuation sheet No.-9 Subject:- To find out present market value of residential property belongs to Mr. Yad Ram S/o Mr. Ayodhya Prasad situated at Moh.- Sufi Khan , Farrukhabad

Valuers Certificate
(i) The residential property situated at Moh.- Sufi Khan , Farrukhabad is reported to have been owned by Mr. Yad Ram S/o Mr. Ayodhya Prasad present r/o Moh.- Sufi Khan , Farrukhabad was inspected by me on 02-01-2014 for the purpose of assessing the present fair market value of the fixed asset in it. Based upon the actual observation and particulars provided to me ( copy of sale deed Sr. No. 5323 on dated 23-08-1989 registered in Sub registrar , Farrukahbad office) detailed valuation reports have been prepared. After given careful consideration to various important factors like present condition, use of property, potential for marketability, it is my considered opinion that the present market value of residential property belongs to Mr. Yad Ram S/o Mr. Ayodhya Prasad present r/o Moh.- Sufi Khan , Farrukhabad situated at Moh.- Sufi Khan , Farrukhabad is Rs.8,81,000.00 (Rupees Eight Lac Eighty one Thousand only ) & realizable value of property is Rs. 7,48,000.00 (Rs. Seven Lac Forty Eight Thousand only ) and Distress sale value of property is Rs. 6,15,000.00 ( Rs. Six lac Fifteen Thousand only ) (ii) If the property is offered as collateral security the concerned financial institution is requesting to verify the extent shown in the valuation with respect to the latest legal opinion. Value varies with the purpose and time. This value should not be referred for any purpose other than mentioned in valuation. This valuation report is my considered opinion and the discretion for making advance on basis of this opinion lies with Bank / Financial Institutions only. PART-III- DECLARATION

(iii)

(iv)

I hereby declare that:(a) The information furnished in Part I 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 on 02-01-2014 in the presence of Mr. Yad Ram (owner ) as per his identification. (d) I have not been convicted of any offence ad sentenced to a term of imprisonment. (e) I have not been found guilty of misconduct in my professional capacity. DATE: 04-01-2014 PLACE: Shahjahanpur SIGNATURE OF VALUER List of Enclosure (i) Location plan of property (ii) 6 - nos. photograph of proper