Collateral Policy For Jaipur

• Business limit: 50 Km from Jaipur center (Ajmeri Gate) 

• Dominated area not more than 40%. 

• LTV 70% for all cases and will not go with rented property. 

• If property is lying in road widening - 

          1) Development should be more than 50%.

          2) Loan amount should be no more than 5 lakhs and 5 years.

1. Gram Panchayat Patta

          1) Patta should be registered by Sarpanch/VDO.

          2) Electricity bill Required.

          3) 2 Side Boundaries should match with property papers.

          4) Roadside boundary should not be mismatch between patta and technical report.

          5) Actual land should not be bigger than the documented land if found that indemnity should be issued by gram panchayat (sarpanch and VDO).

2. Society Patta

          1) Patta till 2020, if possession is more than 2 years then we can go till 2022.

          2) Electricity bill should be the name of patta owner.

          3) Development should be above than 20%, if found less then society verification is mandatory.

          4) Gift deed/RM is mandatory.

          5) In home improvement cases society verification is mandatory.

3. JDA ( Non Transferable patta)

          1) JDA Allotment letter.

          2) JDA lease deed.

          3) Intimation to mortgage should be sent to JDA by Speed post.

4. Rajasthan Housing Board

          1) Allotment Cum possession letter.

          2) Regularization cum No dues Certificate.

          3) Registered Conveyance deed.

          4) Registered Perpetual deed.

5. Agriculture gift deed

          1) Jambandhi

          2) Registered title deed.

          3) Development should be above 20%.

          4) Public Road connectivity should be clear and visible, and property should not be 30 feet for our self-land.

          5) Khasra should not be mismatch with property papers and jamabhandi.

6. Nagar Nigam/ nagar palika

          1) Allotment letter.

          2) Registered deed.

          3) If plot numbering is not available, the survey report is mandatory.

          4) E Bill Mandatory.

7. Latest deed property

          1) "Passion proof" of more than 3 years is mandatory ( E bill ).

          2) Property chain flow should be mentioned in latest deed.

          3) Development should be more than 30%.