ANDHRA PRAGATHI GRAMEENA BANK HEAD OFFICE :: KADAPA OBTAINING OF LEGAL OPINION AND SEARCH REPORT
|
|
- Brent Jenkins
- 5 years ago
- Views:
Transcription
1 ANDHRA PRAGATHI GRAMEENA BANK HEAD OFFICE :: KADAPA Circular No BC-CD Date: OBTAINING OF LEGAL OPINION AND SEARCH REPORT Attention of all the branches is invited to the captioned subject and various circulars, wherein detailed procedure to scrutinise the title deeds to the property offered as security for advances of borrowers was advised. Of late, it is observed that certain branches are forwarding incomplete legal opinion and no attempt is made to verify whether the opinion given is in accordance with the guidelines issued by the bank. This lapse on the part of the Managers is giving scope for unnecessary correspondence and delay in scrutiny and sanction of loans at various levels. For the information of branches and their standing lawyers, we are furnishing here below the procedure to be followed in the scrutiny of title deeds to property offered as security for advances. LEGAL OPINION: Whenever a customer approaches the branch for advance for which the legal opinion is required, the Branch Manager shall advise the customer to bring the following papers, if he is satisfied that the customer is otherwise eligible for availing the loan. a) Original title deed of the property offered as security;. b) Link documents (original/xerox copies/certified copies, as the case may be) for the past 25 years. c) Encumbrance Certificate (EC) for 25 years. d) Pattadar pass book and title deed pass book, in case agricultural lands are offered as security. e) Tax paid receipts. f) Proceedings of the Grama Panchayat/Municipality/Municipal Corporation permitting for construction of house/commercial complex/factory building/ school building as the case may be if the loans is for the above purposes.. 2
2 g) Copy of approved plan. 2 h) Sale agreement in case of purchase of ready built house. i) Death certificate and Legal Heir Certificate in case the registered owner of any link document is deceased. j) Partition deed in case the registered owner of any link document attains the right through the partition. k) If the properties are ancestral properties, proof for ownership/possession in the form of 10-1 extract/pattadar pass books/copy of 1B-Register, property/ land tax receipts paid, possession/enjoyment certificate, etc. l) Bye-laws and resolution of the Board on decision taken to avail the loan and empowering the specified office bearer/s to apply for the bank loan to the specific bank and for specific purpose/s and execute the documents on behalf of society/mortgage, the property, etc., in case the applicant is a society. m) Articles of Association and Memorandum of Association and Resolution of the Board requesting for sanction of loan in case the applicant is a Company. Also, the resolution of the Board empowering the specified officials/ Directors to execute the documents/mortgage properties, etc. to be obtained. n) Copy of Judgement/Will, in case the registered owner of any link document attains the right over the property through Judgement/Will. o) Any other documents/papers relevant to the loan proposal. After getting all the relevant documents mentioned above, Branch Manager/ Officer (Adv.) shall verify the documents/papers and handover them to the legal advisor of the branch through a letter (specimen enclosed as Annexure-I) under acknowledgement. Under any circumstances, the documents shall not be sent through borrower to the lawyer. The lawyer, on scrutiny of title deeds and other documents, shall give his opinion in 5 parts as detailed below. PART-I LIST OF DOCUMENTS SCRUTINISED: A) The lawyer shall give the list of documents scrutinised with a clear description of documents and other relevant papers produced by the applicant through the Branch Manager and their validity. Description of the documents shall be clearly stated.. 3
3 3 Example: i) Original/Xerox copy/certified copy (strike out whichever is not applicable) Sale Deed No.. executed on.. by in favour of for a valuable consideration of. ii) iii) Encumbrance Certificate given by. Sub-Registrar Office, for.. years from to in respect of the property offered as security. Proceedings of the Grama Panchayat/Municipality/Municipal Corporation,. No.. Dated for construction of.. by. In the same way the remaining documents/papers shall also be described in detail. B) Lawyers shall ensure that the documents/papers submitted are sufficient to establish borrower s title over the property. If the material produced is insufficient and any further information is required, the same may be called for. The lawyer shall express his/her satisfaction over the submission of information/papers necessary to establish the title. PART-II DESCRIPTION OF THE PROPERTY OFFERED AS SECURITY: A vivid description of property for which title is scrutinised such as Survey No./Door No., Village/Street, extent of land, boundaries of property, etc. shall be given. The identity of the property shall be got established. PART III- FLOW OF TITLE: In this part, a detailed analysis of the flow of title for the last 25 years shall be given and explanation about the derivation of the title to the applicant. Sometimes, the registered owner in respect of any link documents might have been deceased and his/her legal heirs might have executed the sale documents. In such cases, the death certificate and legal heir certificate shall be got verified to establish the flow. The advocate should verify as to whether all the legal heirs including female members have executed the sale deed/partition deed, etc.. 4
4 4 If there is any deficiency the advocate has to suggest the remedial step and got it rectified, before giving the final opinion. These certificates (death certificate and legal heir certificate) shall also be included in the list of documents in Part-I. And in some cases, the property might have been partitioned, in such cases, the partition deed shall be verified and it shall be included in the flow of title and also in the list of documents in Part-I. PART-IV- METHOD OF CREATING THE CHARGE: In this part, the manner and method of creating charge over the properties in favour of the Bank as security of advances shall be stated by the lawyer clearly. Example: Un Registered Equitable Mortgage/Registered Equitable Mortgage/ Registered Simple Mortgage, etc. PART V CONCLUSION: In the conclusion part, the lawyer shall give his final opinion and also inform the party/ies who is/are competent to effect the mortgage i.e. whether the applicant alone or any other who has also got right over such property. All the Managers are advised to inform the lawyers on the procedure to be followed while giving the opinion on the above lines. The Manager shall ensure the following points while verifying the legal opinion. 1. Flow of Title for the last 25 years is to be observed i.e. who was the owner of the said property 25 years ago, how and when the title flowed to the applicant, stage by stage. In proof of such flow, whether all relevant documents produced by the borrower/s are verified including Death certificate, Legal Heir certificate, Partition deed, Judgement copy, Will, General Power of Attorney (GPA), etc., if any. 2. On verification of current year s assessment, tax receipt is to be obtained to ascertain that there are no arrears of land/house tax. 3. It is to be verified whether all the documents/papers submitted are valid, the executants are competent to execute, the documents are properly stamped and registered by the competent authority. It is to be noted whether the lawyer is satisfied of the above points while describing the title deeds/ documents/papers submitted by the borrower/s under Part-I.. 5
5 5 4. If agents have executed the documents, lawyer shall obtain and verify the copy of Power of Attorney to ensure whether agents are empowered to execute the documents. This should also be listed under Part-I. 5. It is to be ensured that all original documents/papers are available. If not, registration copies shall be obtained with proper explanation for the absence of original documents in the form of Notarised Affidavit engrossed on requisite stamp paper. 6. If there are no original title deeds covering 25 years period, EC for 25 years must be carefully examined to ascertain the flow of title. 7. It is to be ascertained whether the applicant belongs to Joint Hindu Family. 8. When the title is sustained on the ground of inheritance, the family geneology must be ascertained and flow of title shall be considered as per provision of succession law as applicable to the borrower. The family geneology must be sworn to by memos of an affidavit by the party or the eldest member of the family. A shared partition deed of proposers shall be obtained as proof of the applicant s share in the ancestral property. In the absence of such partition deed, a willingness letter about the applicant s share in ancestral property and their no objection to mortgage the said share of property relinquishing their right over the same from all co-parceners of the family who has got right over that ancestral property shall be obtained in the form of a notarised affidavit. 9. After the receipt of EC, it is to be verified whether all the known/existing transactions of sale/purchase/mortgage/charge, etc. are finding place as entries in EC. 10. Lawyer shall got himself clarified even if he has a small doubt while scrutinising the title to property. 11. It is to be ascertained whether the identity of the property is established. 12. In case the property belongs to a Company, then the charges created by the Company and registered with the Registrar of Companies should also be got ascertained.. 6
6 6 13. When the property belongs to a Society, ensure whether there is provision in byelaws to avail loans and who is competent to create charge on the property/ies belonging to the society. Otherwise a resolution of the General Body amending the by-law of the society attested by the Registrar of Societies is required. And also ascertain the information whether the Board is elected by the General Body. Obtain the latest resolution and ensure the enforceability of the present Board. 14. The lawyer shall establish the names of the present owners of the properties who are competent to create charge over the properties. 15. Any covenants for and on behalf of minors are to be examined. If so, whether the minor was properly and validly represented is to be ascertained. It is to be carefully observed whether such covenant is liable for attack at the hands of such minor after attaining majority. It must also be seen that if such covenance is after 1956, whether the necessary court permission has been obtained in the case of Hindu Family. 16. Wherever the properties are situated in Panchayat/Municipality/Municipal Corporation limits, party shall produce required proof of payment of tax to such authorities for the latest year. SEARCH REPORT Along with the legal opinion, branches have to obtain a SEARCH REPORT/ CERTIFICATE OF SEARCH AT THE REGISTRAR S OFFICE from the lawyer who has given the legal opinion. The lawyer concerned has to confirm that he has conducted search of records at the Registrar' office in respect of immovable property/ies in question and that there is /are no encumbrance/s on the said property/ies. If any encumbrances are noticed (during the search) on the property/ies to be taken as security, the lawyer has to furnish the details of such encumbrances in the Search Report. The original fee receipt paid, if any, at the Registrar s office, for conducting the search, may also be obtained from the lawyer and kept along with the legal opinion. The attested copies of search report and the fee receipt shall be sent to RO/HO, as the case may be, along with the legal opinion. The search charges/fee have to be borne by the party concerned. All the Managers are advised to go through the above guidelines carefully and obtain the legal opinion and search report from the lawyers accordingly. They shall avoid the practice of simply forwarding the legal opinion without verifying.. 7
7 7 The Managers are further advised to certify that the legal opinion is in accordance with our guidelines as per proforma (Annexure-II) enclosed to this circular. IMPORTANT: The branch should receive the legal opinion and the documents perused by the advocate directly from the advocate and never be parted with subsequently even during the period between the receipt of the legal opinion and creation of mortgage. This precaution is to be observed to prevent replacement of the original genuine documents perused by the advocate with fake documents before creation of mortgage. Clarifications required, if any, on the circular, may be sought from HO-Credit Department. (M.OBULESU) CHAIRMAN Encl: As above
8 ANNEXURE-I Encl. to Circular No BC-CD (Form of Letter to be addressed by the Branch to the Lawyer, forwarding title deeds for scrutiny and opinion) ANDHRA PRAGATHI GRAMEENA BANK BRANCH Ref. No. Date: To Sri/Smt..... Dear Sir/Madam, Sub: Mortgage proposal of Sri. Charge to be created by ************** We enclose the following documents relating to the property/ies of Sri.. Please examine the documents and advise clearly whether Mr./Mrs./M/s. has/ have not/valid title to create a charge on the properties in our favour. In the case of any of the items offered, if there is any deficit in title, state clearly to what extent the title is defective and how you advise us in the matter of getting over the deficit. If any additional information is required by you to arrive at a final decision, the same will be supplied on hearing from you. You may also trace out the derivation of the title for the past 25 years for each item of property offered. We shall be obliged if you advise us on the advisability or otherwise, of our proceedings with the proposal after careful scrutiny of all the required records and on ascertainment of all other information. Your report may be sent in duplicate along with all the documents/records perused by you directly to us.. 2
9 2 Sl. No. List of documents enclosed for scrutiny and report with Ref. No. of the documents No. of sheets Yours faithfully, Branch Manager I acknowledge receipt of documents shown in letter No., dt... Signature of the Lawyer
10 ANNEXURE-II Branch: Date : To The Regional Manager/Chairman Andhra Pragathi Grameena Bank. Region/HO Dear Sir, Sub: Loan proposal of Sri. for Rs. for the purpose of ********* With reference to the above, we send herewith the legal opinion obtained on the title over the property/ies of the captioned party. We certify that the opinion is in strict conformity with the guidelines given by our Head Office from time to time. Yours faithfully, Branch Manager
Federation of Coconut Producers Societies (CPF)
Federation of Coconut Producers Societies (CPF) Conditions 1. Initially there shall be a minimum of 8 Coconut Producers Societies(CPSs) registered with Coconut Development Board as members with a minimum
More informationCHECKLIST FOR TRANSMISSION OF SHARES
CHECKLIST FOR TRANSMISSION OF SHARES PLEASE NOTE if as on date of application, market value of equity shares is more than Rs. 2,00,000 per company, then Duly attested copy of succession certificate OR
More informationFORM J. REQUEST LETTER FOR ISSUANCE OF DUPLICATE SHARE CERTIFICATE (Transmission of shares) From: (Name, Address & ID of Legal heir)
FORM J REQUEST LETTER FOR ISSUANCE OF DUPLICATE SHARE CERTIFICATE (Transmission of shares) Date: From: (Name, Address & e-mail ID of Legal heir) SUB:- Transmission of Shares Ref.:Folio No Cert. No Dist.
More informationSupporting Documents required in case of No Nomination
Supporting Documents required in case of No Nomination 1. Copy of succession certificate/letter of administration/probate of will duly attested by Notary/Gazette officer. OR Indemnity Bond and Affidavit
More informationBuilding permit fee, completion fees, temporary structures permit fees and calculations thereof:
BUILDING PERMIT BYE LAWS Building permit fee, completion fees, temporary structures permit fees and calculations thereof: 1. The applicant shall deposit building permit fees as stipulated by SIDA from
More informationGovernment of West Bengal Office of the Director General, West Bengal Fire & Emergency Services 13-D, Mirza Ghalib Street, Kolkata
Government of West Bengal Office of the Director General, West Bengal Fire & Emergency Services 13-D, Mirza Ghalib Street, Kolkata 700 016. Notice inviting e-tender Notice Inviting e-tender No. 22/2014-2015
More informationAMFI Working Group has suggested the enclosed Guidelines on the recommendations in respect of the Minors, Guardians, and Nominations & Transmissions.
AMFI Best Practice Guidelines Circular No.20/2010-11 dated 9th February, 2011 Guidelines on Accounts of Minor and Account Status Change - Minor attaining Majority, Change of Guardian, Registration of Nominee
More informationJANTA VIDYA MANDIR GANPAT RAI RASIWASIA COLLEGE SOCIETY. Byelaws of the Society
JANTA VIDYA MANDIR GANPAT RAI RASIWASIA COLLEGE SOCIETY Ram Krishan Gupta Marg, CHARKHI DADRI, DISTT. BHIWANI (HR.) Byelaws of the Society Name of the Society: JANTA VIDY MANDIR GANPAT RAI RASIAWASIA COLLEGE
More informationREFERRED TO IN NOTE BEFORE THE RULE (IX) AND NOTE BELOW RULE 10.17)
REFERRED TO IN NOTE BEFORE THE RULE 10.16 (IX) AND NOTE BELOW RULE 10.17) FORM OF AGREEMENT BOND TO BE EXECUTED AT THE TIME OF DRAWING AN ADVANCE BY A GOVERNMENT SERVANT FOR BUILDING ETC. OR HOUSE. An
More informationUPDATED AS ON DECEMBER 4, Guidelines for Remisier Registration
UPDATED AS ON DECEMBER 4, 2009. Requirements Guidelines for Remisier Registration 1. Covering letter on letter head of Member regarding appointment of Remisier and addressed to Membership Department along
More informationChecklist for Incorporation of Company
Checklist for Incorporation of Company Step 1 1. Obtaining Directors Identification Number (DIN) a. Applicant to Obtain DIN if he does not have the DIN. 2. Checklist for Obtaining DIN:- a. Signed copy
More informationBOOKLET FOR ADDITION OF APPLICANT NAME
BOOKLET FOR ADDITION OF APPLICANT NAME PROPERTY TYPE UNIT NO. AREA BLOCK/ TOWER PROJECT NAME General Instructions (Please go through the Instructions before filing up the form) 1. The Form has to be filled
More informationGUIDELINES AND APPLICATION FORMAT FOR Registration of political parties under Section 29A of the Representation of the People Act, 1951
GUIDELINES AND APPLICATION FORMAT FOR Registration of political parties under Section 29A of the Representation of the People Act, 1951 (Please read the guidelines carefully) For the purpose of registration
More informationTHE NAINITAL BANK LIMITED (REGD. OFFICE: G.B. PANT ROAD, NAINITAL)
THE NAINITAL BANK LIMITED (REGD. OFFICE: G.B. PANT ROAD, NAINITAL) To, ANNEXURE (I) The Senior Manager/Branch Manager, The Nainital Bank Limited,.. Branch Sir, RE: CLAIM IN RESPECT OF PAYMENT OF BALANCE
More informationBusiness Park Maintenance Service Pvt. Ltd.
Business Park Maintenance Service Pvt. Ltd. Verification Application Form for Mutation AR No./Date Seller Name/Code Buyer Name Project Name Unit No. Broker Name Broker Mobile No. & E-mail Id Seller Mobile
More informationus kuy QfVZykbt+lZ fyfevsm (Hkkjr ljdkj dk midze)
us kuy QfVZykbt+lZ fyfevsm (Hkkjr ljdkj dk midze) National Fertilizers Limited (A Government of India Undertaking) xksgkuk jksm] ikuhir] gfj;k.kk 132 106 Gohana Road, Panipat, Haryana 132 106 (ISO-9001,
More informationANNEXURE A AGREEMENT FOR SALE. [See rule 9] This Agreement for sale ( AGREEMENT ) entered into at [ ] on [ ] BY AND BETWEEN
52 ANNEXURE A AGREEMENT FOR SALE [See rule 9] This Agreement for sale ( AGREEMENT ) entered into at [ ] on [ ] BY AND BETWEEN [If the promoter is a company] M/s.[ ] (CIN no. ), a company incorporated under
More informationGovernment of Orissa Information & Public Relations Department **** NOTIFICATION. No.7307/ I&PR. Bhubaneswar, dated the 6 th March, 2006
Government of Orissa Information & Public Relations Department **** NOTIFICATION No.7307/ I&PR. Bhubaneswar, dated the 6 th March, 2006 In exercise of the powers conferred by clause (e) of sub-section
More informationAPPLICATION FOR TRANSFER OF LEASEHOLD / FREE HOLD PLOT THROUGH GPA/SPA. Plot No. Phase Focal Point. Name of the applicant. Father s / Husband s Name
APPLICATION FOR TRANSFER OF LEASEHOLD / FREE HOLD PLOT THROUGH GPA/SPA Plot No. Phase Focal Point Name of the applicant Father s / Husband s Name Address: Mobile No. E-mail PUNJAB SMALL INDUSTRIES & EXPORT
More informationMUTUAL FUNDS Aditya Birla Sun Life Mutual Fund
. DECEASED'S NAME IN FOLIO DATE OF DEMISE D D M M Y Y Y Y NAME OF THE CLAIMANT PAN NUMBER Tax Status NRI RESIDENT INDIVIDUAL HUF OTHERS REACH ME AT: ISD CODE TEL: OFF. S T D - TEL: RESI MOBILE NUMBER EMAIL
More informationAPPLICATION..FOR AMENDED REGULATION 16 OF THE CHB (ALLOTMENT, OF TENEMENTS) REGULATIONS, 1979
:: ;Y--':. APPLICATION FORM..FOR TRANSFER UNDER AMENDED REGULATION 16 OF THE CHB (ALLOTMENT, - MANAGEMENT & SALE OF TENEMENTS) REGULATIONS, 1979 -- - - -- -.-.CHANDIGARH HOUSING BOARD 8 JAN MARG, SECTOR
More informationANNEXURE O TRANSMISSION FORM. ISIN Name of Company No. of securities
To, Name of Participant Address of Participant ANNEXURE O TRANSMISSION FORM Date I/We, the undersigned, being the Executor(s) of the Will Administrator(s) of the Estate Successor(s) to the Estate Survivors
More information1. Short title. These rules may be called the West Bengal Societies Registration Rules, 1963.
The West Bengal Societies Registration Rules, 1963 1. Short title. These rules may be called the West Bengal Societies Registration Rules, 1963. 2. Definitions. In these rules, unless there is anything
More informationM/s. Pridhvi Asset Reconstruction & Securitisation Company Ltd Other terms & Conditions for Sale of Asset of M/s. Sri Venkata Sai Cotton Industries
1 IN ADDITION TO THE SALE NOTICE DATED 21.05.2018, FOLLOWING ARE THE OTHER TERMS AND CONDITIONS FOR SALE OF THE ASSET OF M/S. SRI VENKATA SAI COTTON INDUSTRIES The tenderers shall read and understand the
More information(Draft letter intimating change in constitution/name to be given by the member on its Letterhead)
(Draft letter intimating change in constitution/name to be given by the member on its Letterhead) From, Date: M/s, To, Suren Road, Chakala, Dear Sir, Sub: Change in constitution/name* of our Company from
More informationNew Bank Mandate Details with Attestation from Bank Branch Manager
New Bank Mandate Details with Attestation from Bank Branch Manager Annexure I or with This is to certify that Mr. /
More informationANNEXURE A. [See rule 9] AGREEMENT FOR SALE
ANNEXURE A [See rule 9] AGREEMENT FOR SALE This Agreement for sale ( AGREEMENT ) entered into at [ ] on [ ] BY AND BETWEEN [If the promoter is a company] M/s.[ ] (CIN no. ), a company incorporated under
More informationOFFICE OF THE COMMISSIONER OF HEALTH AND FAMILY WELFARE A.P. HYDERABAD
OFFICE OF THE COMMISSIONER OF HEALTH AND FAMILY WELFARE A.P. HYDERABAD Rc No.15242/E6C/2014 Dated:01-02-2016 Sub: APM&HS Filling up of the vacant posts of (501) Civil Assistant Surgeons on Contract (temporary)
More informationBERHAMPUR UNIVERSITY BHANJA BIHAR, BERHAMPUR , ORISSA
PROSPECTUS & APPLICATION FORM FOR M.PHARM COURSE, 2011-2012 BERHAMPUR UNIVERSITY BHANJA BIHAR, BERHAMPUR 760 007, ORISSA 1 BERHAMPUR UNIVERSITY PROSPECTUS FOR ADMISSION TO M.PHARM COURSE ACADEMIC SESSION
More informationc) Two copies of recent self-attested photographs duly signed d) Undertakings on prescribed format as required under item Nos.4 & 5 of this letter
F.No.11-2/2012-13/AA Thursday, June 28, 2012 Mr. Souvik Mukherjee 253-A/1, Birbal Tokas Apartment, Munirka Opp. JNU Campus, New Delhi Subject: Offer of Provisional Admission to Full-Time Ph.D. Programme-2012
More informationGUJARAT IN-SERVICE REVENUE TALATI` ASSOCIATION CONSTITUTION BYE LAWS
GUJARAT IN-SERVICE REVENUE TALATI` ASSOCIATION (PROPOSED) CONSTITUTION & BYE LAWS 2011 1 REVENUE TALATI ASSOCIATION PROPOSED NAME (Proposed) Rules and bye-laws (In effect from Date: ) MEMORANDUM OF GUJARAT
More information1.2 the enforceability of the Agreements under the laws of the Jurisdiction.
CLLS LAND LAW COMMITTEE DRAFT FORM OF OVERSEAS LEGAL OPINION ON TRANSACTIONS RELATING TO REAL PROPERTY IN ENGLAND AND WALES (FORM PRODUCED IN NOVEMBER 2012 201[ ] Note: As many firms, who may be asked
More informationANDHRA PRAGATHI GRAMEENA BANK HEAD OFFICE : : KADAPA. Cir. No BC-STF Date:
ANDHRA PRAGATHI GRAMEENA BANK HEAD OFFICE : : KADAPA Cir. No. 38-2012 -BC-STF Date: 16.02.2012 1 st JOINT MEETING OF CALENDAR YEAR 2012 HELD ON 14.02.2012 BETWEEN THE REPRESENTATIVES OF THE MANAGEMENT
More informationDRAFT LETTER FOR POLICE COMPLAINT
DRAFT LETTER FOR POLICE COMPLAINT FROM: The Police Officer in Charge Dear Sir, I /We bring to your kind attention that I am the register holder for SBI shares /Bonds as per details below, Sr No Folio Certificate
More informationTHE MUNICIPAL CO-OP. BANK LTD. MUMBAI TENDER NOTICE. Tender Document for 2 years Support of Routers and Manageable Switch
THE MUNICIPAL CO-OP. BANK LTD. MUMBAI TENDER NOTICE Tender Document for 2 years Support of Routers and Manageable Switch Cost of the Tender - Rs. 500/- ( Rupees Five Hundred Only ) Invitation for tender
More informationDEBTS RECOVERY TRIBUNAL (PROCEDURE) RULES, (1) These rules may be called the Debts Recovery Tribunal (Procedure) Rules, 1993.
DEBTS RECOVERY TRIBUNAL (PROCEDURE) RULES, 1993 In exercise of the powers conferred by sub-sections(1) and (2) of section 36 of the Recovery of Debts Due to Banks and Financial Institution Ordinance, 1993
More informationAnnex A (v042017) STANDARD MORTGAGE POLICIES FOR HDB FLAT LOANS
Annex A (v042017) STANDARD MORTGAGE POLICIES FOR HDB FLAT LOANS 1. General 1.1 By agreeing to act as the solicitors for United Overseas Bank Limited or, where applicable, Far Eastern Bank Limited (each
More information1.2 the enforceability of the Agreements under the laws of the Jurisdiction.
CLLS LAND LAW COMMITTEE DRAFT FORM OF OVERSEAS LEGAL OPINION ON TRANSACTIONS RELATING TO REAL PROPERTY IN ENGLAND AND WALES (FORM PRODUCED IN NOVEMBER 2012, UPDATED MAY 2018 TO REFLECT IN PARAGRAPH 5.2.1
More informationGOVERNMENT OF ANDHRA PRADESH FINANCE (HRM.V-PC) DEPARTMENT
GOVERNMENT OF ANDHRA PRADESH FINANCE (HRM.V-PC) DEPARTMENT Circular Memo. No.3856-A/29/A2/HRM.V-PC/2014-1 Dated: 23-6-2015. Sub:- PUBLIC SERVICES Revision of Pay Scales, 2015 Procedural Instructions for
More informationHIGH COURT OF CHHATTISGARH: BILASPUR
HIGH COURT OF CHHATTISGARH: BILASPUR DISTRICT JUDGE (ENTRY LEVEL) DIRECT RECRUITMENT EXAMINATION 2016 Adv. No. 01/S & A Cell/2016 Date : 16/08/2016 One- Vacancy and Pay Scale :- Applications are invited
More informationMT For Office Use only
The Institution of Engineers ( India) An ISO 9001:2008 Certified Organisation 8 GOKHALE ROAD, KOLKATA 700 020 Application for Membership Technologist (MTIE) MT For Office Use only Name : Last Name In Capitals
More informationCompounding Pre r se s nta t ti t on a t t WI W R I C R
Compounding Presentation at WIRC What is compounding of contravention? Contravention is a breach of the provisions of the Foreign Exchange Management Act (FEMA), 1999 and rules/ regulations/ notification/
More information2. To establish and maintain libraries, rest rooms and other place for work. 3. To safeguard and promote the interest of the taxation profession.
PROPOSED AMENDMENTS KARNATAKA STATE TAX PRACTITIONERS INSTITUTE MEMORANDUM OF ASSOCIATION 1. NAME : KARNATAKA STATE TAX PRACTITIONERS INSTITUTE 2. LOCATION : Regd. Off: "Nirmala Nilaya" No. 3043, 15th
More informationOFFICE OF THE SUPERINTENDING ENGINEER ELECTRICITY TRANSMISSION CIRCLE U.P.POWER TRANSMISSION CORPORATION LIMITED DLW, BHIKHARIPUR VARANASI
OFFICE OF THE SUPERINTENDING ENGINEER ELECTRICITY TRANSMISSION CIRCLE U.P.POWER TRANSMISSION CORPORATION LIMITED DLW, BHIKHARIPUR VARANASI Tender Specification No. 118-ETC(V)/2014-2015 for HIRING OF ONE
More informationIN ADDITION TO THE SALE NOTICE DATED , FOLLOWING ARE THE OTHER TERMS AND CONDITIONS FOR SALE OF THE ASSETS OF
1 IN ADDITION TO THE SALE NOTICE DATED 25.05.2018, FOLLOWING ARE THE OTHER TERMS AND CONDITIONS FOR SALE OF THE ASSETS OF M/s. WIN WIN PAPERS PRIVATE LIMITED. 1. The tenderers shall read and understand
More informationMemo No:1920/WBTDCL-11013(99)/4/2018-GM(WBTDCL)-WBTDCL
West Bengal Tourism Development Corporation Llimited (A Govt. of West Bengal Undertaking) Udayachal Tourist lodge (1 st Floor), DG Block, Sector II, Kolkata- 700091 Phones: 033 2359 7250, Fax : 033-2359-8292
More informationSan Juan County Probate Court
San Juan County Probate Court Stacey D. Biel Probate Judge 100 S. Oliver Dr. Suite 200 Aztec, New Mexico 87410 (505) 334-9471 Testate (WILL) 1B-305. General instructions for probates (will). A. Determine
More informationBANSBERIA MUNICIPALITY Rudra Main Road, Bansberia, Hooghly Notice Inviting e-tender
BANSBERIA MUNICIPALITY Rudra Main Road, Bansberia, Hooghly 712502 Notice Inviting e-tender NoticeInviting e- TenderNo.:WBMAD/CHAIRMAN/BNS/NIT-05(xi)(e)/2014-15 2 nd Call Memo No.: BNS/MPLADS/NIT-05(xi)/2014-15(e)
More informationHIGH COURT OF CHHATTISGARH: BILASPUR
HIGH COURT OF CHHATTISGARH: BILASPUR DISTRICT JUDGE (ENTRY LEVEL) DIRECT RECRUITMENT EXAMINATION 2013 Adv. No. 03/S & A Cell/2013 Date : 09/09/2013 One- Vacancy and Pay Scale :- Applications are invited
More informationNEW LOOK EYEWEAR INC. / LUNETTERIE NEW LOOK INC. BY-LAW NO. 1 (2010)
NEW LOOK EYEWEAR INC. / LUNETTERIE NEW LOOK INC. BY-LAW NO. 1 (2010) being a by-law relating generally to the transaction of the business and affairs of the Corporation ARTICLE ONE INTERPRETATION SECTION
More informationCO-OPERATIVE SOCIETIES ACT
CO-OPERATIVE SOCIETIES ACT 1968 (NLCD 252) Section 1-The Registrar of Co-operative Societies. There shall be appointed by the National Liberation Council an officer who shall be called the Registrar of
More informationSCHEDULE 1. KERALA STATE CIVIL SUPPLIES CORPORATION LIMITED (Maveli Bhavan, Gandhi Nagar, Kochi 20 ) C1-5783/16 Dated:
1 SCHEDULE 1 KERALA STATE CIVIL SUPPLIES CORPORATION LIMITED (Maveli Bhavan, Gandhi Nagar, Kochi 20 ) C1-5783/16 Dated: 07.06.2016. INVITATION OF E-TENDER & INSTRUCTIONS TO TENDERERS FOR DOOR DELIVERY
More informationCollege of Engineering Pune (An Autonomous Institute of Government of Maharashtra) Wellesley Road, Shivajinagar Pune-05
College of Engineering Pune (An Autonomous Institute of Government of Maharashtra) Wellesley Road, Shivajinagar Pune-05 First Year B. Tech Engineering Admission 2017-18 Admission Reporting Date: 25 th
More informationFollowing documents are required to be submitted in the case original registrant died and claim to be transfer in the name of legal heir.
DELHI URBAN SHELTER IMPROVMENT BOARD GOVT. OF NCT OF DELHI (HOUSING BRANCH) Room No. B-3 I.P. Estate, I.T.O. New Delhi-02 Following documents are required to be submitted in the case original registrant
More informationCEYLON PETROLEUM STORAGE TERMINALS LIMITED
CEYLON PETROLEUM STORAGE TERMINALS LIMITED BIDDING DOCUMENT KPR/15/2018 BID FOR THE SUPPLY OF 15000 NOS BAR SOAP (WEIGHT 650 GRAMS MINIMUM/EACH) MANAGER PROCUREMENT PROCUREMENT FUNCTION CEYLON PETROLEUM
More informationApplication for IEX Membership
Application for IEX Membership Please read the terms and conditions, and guidelines carefully before filling-up the application form. Please attach all relevant documents along with this application. Please
More informationTENDER DOCUMENT FOR SUPPLY OF TATA MAGIC VEHICLES TO INDIAN INSTITUTE OF TECHNOLOGY HYDERBAD. Ref. No: IITH/101/Tender/Admin Date: Aug 23, 2018
TENDER DOCUMENT FOR SUPPLY OF TATA MAGIC VEHICLES TO INDIAN INSTITUTE OF TECHNOLOGY HYDERBAD Ref. No: IITH/101/Tender/Admin Date: Aug 23, 2018 NOTICE INVITING TENDERS Director, IITH invites sealed tenders
More informationGovernment of Himachal Pradesh Department of Cooperation NOTIFICATION
(Authoritative English Text of this Department Notification No Coop. A(2)-2/99(S)-II dated 11-1-2007 as required under clause (3) of Article 348 of the Constitution of India). Government of Himachal Pradesh
More informationBELIZE COMPANIES ACT CHAPTER 250 REVISED EDITION 2011 SHOWING THE SUBSTANTIVE LAWS AS AT 31 ST DECEMBER, 2011
BELIZE COMPANIES ACT CHAPTER 250 REVISED EDITION 2011 SHOWING THE SUBSTANTIVE LAWS AS AT 31 ST DECEMBER, 2011 This is a revised edition of the Substantive Laws, prepared by the Law Revision Commissioner
More informationSPECIAL POWER OF ATTORNEY. This special power of attorney is executed on the day of Two thousand
SPECIAL POWER OF ATTORNEY This special power of attorney is executed on the day of Two thousand By [Full Name and full residential and office address of NRI Borrower(s) A non Resident Indian, presently
More informationTO WHOMSOEVER IT MAY CONCERN
Annexure I New Bank Mandate Details with Attestation from Bank Branch Manager or with This is to certify that Mr. /
More informationCommencement 7 August 1862 COMPANIES ACT 1862 FIRST SCHEDULE TABLE A. Regulations for management of a company limited by shares SHARES
Commencement 7 August 1862 COMPANIES ACT 1862 FIRST SCHEDULE TABLE A Regulations for management of a company limited by shares SHARES 1 If several persons are registered as joint holders of any share,
More informationNATIONAL LAW UNIVERSITY, ODISHA, CUTTACK (Established by Act 4 of 2008) OFFER DOCUMENTS For Purchase of Books for the University s Library. (Purchase Enquiry No. NLUO/LIBRARY/2018(3) Dt.26.11.2018) T h
More informationANTI-RAGGING MEASURES : SUBMISSION OF AFFIDAVIT BY THE STUDENTS / PARENT / GUARDIAN
ANTI-RAGGING MEASURES : SUBMISSION OF AFFIDAVIT BY THE STUDENTS / PARENT / GUARDIAN Dear Parents/Guardian/Student, You are fully aware of the orders of the Government and of Hon'ble Supreme Court on the
More informationORDER SHEET IN THE HIGH COURT OF SINDH AT KARACHI
ORDER SHEET IN THE HIGH COURT OF SINDH AT KARACHI SMA No.74/2015 ------------------------------------------------------------------------------------- Date Order with signature of Judge -------------------------------------------------------------------------------------
More informationTransmission & New Bank Mandate Forms
TRANSMISSION DOCUMENTS MATRIX - READY RECKONER Sr. No Documents Required for Transmission Transmission to Surviving Joint Holders Demise of Solo/All unit holders & Nominee/s registered Demise of Solo/All
More informationRULES OF NEW ZEALAND AGED CARE ASSOCIATION
RULES OF NEW ZEALAND AGED CARE ASSOCIATION September 2018 1 1 Table of contents 1. Name 2 2. Interpretation 2 3. Objects 4 4. Membership 5 5. Life and Affiliate Members 5 6. Board 6 7. Sub-committees 8
More informationWEB UPDATE 28 JUN 18 AFNHB MEERUT PROJECT OFFER OF POSSESSION OF TOWERS A & G
WEB UPDATE 28 JUN 18 AFNHB MEERUT PROJECT OFFER OF POSSESSION OF TOWERS A & G 1. Please refer to Web Update of 10 Apr 18 and 29 May 18. 2. AFNHB is pleased to inform that all flats in Tower A & G will
More informationDrafting Instructions for the Trade Marks Rules THE TRADE MARKS BILL, 2015 ARRANGEMENT OF RULES
THE TRADE MARKS BILL, 2015 ARRANGEMENT OF RULES PART I- PRELIMINARY 1. Short title and commencement. 2. Interpretation. 3. Fees. 4. Forms. PART II: REGISTRABILITY OF TRADE MARKS 5. Conversion to new classification
More informationPAKISTAN DEFENCE OFFICERS HOUSING AUTHORITY KARACHI GENERAL POWER OF ATTORNEY (INSTRUCTION SLIP)
1 PAKISTAN DEFENCE OFFICERS HOUSING AUTHORITY KARACHI GENERAL POWER OF ATTORNEY (INSTRUCTION SLIP) 1. To apply for General Power of Attorney following documents are required to be submitted:- a. Covering
More informationWAKEFIELD CONSTITUENCY LABOUR PARTY CLUB 18, VICARAGE STREET WAKEFIELD CLUB RULES
WAKEFIELD CONSTITUENCY LABOUR PARTY CLUB 18, VICARAGE STREET WAKEFIELD 1. TITLE CLUB RULES The Club shall be called the Wakefield Constituency Labour Party Club. 2. OBJECTS The objects of the Club shall
More informationKindly ensure before submitting the Indemnity Bond and Affidavit to the Company that :
ANNEXURE IV INSTRUCTION SHEET FOR FILLING THE INDEMNITY BOND AND AFFIDAVIT FOR TRANSMISSION OF SHARE/DEBENTURE CERTIFICATE(S) ---------------------------------------------------------------------------------------------------------------------
More informationSocial Accountability Standards (SAS) 3. Meetings and Resolutions
11 Social Accountability Standards (SAS) 3 Meetings and Resolutions OBJECT 03.01 The main objective of this draft standard is to provide clarity on the required procedures pertaining to board and general
More informationCOURT JUDGMENTS RELATED TO PANEL VALUERS OF BANKS - B. KANAGA SABAPATHY Tiruchirappalli
1/12 COURT JUDGMENTS RELATED TO PANEL VALUERS OF BANKS - B. KANAGA SABAPATHY Tiruchirappalli The following judgments will be highly helpful for the practising panel valuers in order to defend when their
More informationTENNESSEE CODE TITLE 8. PUBLIC OFFICERS AND EMPLOYEES CHAPTER 16. NOTARIES PUBLIC PART 1 QUALIFICATIONS
TENNESSEE CODE TITLE 8. PUBLIC OFFICERS AND EMPLOYEES CHAPTER 16. NOTARIES PUBLIC PART 1 QUALIFICATIONS 8-16-101. Election - Residency requirement - Eligibility. (a) There shall be elected by the members
More informationCADILA HEALTHCARE LIMITED [CIN L24230GJ1995PLC025878]
CADILA HEALTHCARE LIMITED [CIN L24230GJ1995PLC025878] Registered Office: Zydus Tower, Satellite Cross Roads, Sarkhej Gandhinagar Highway, Ahmedabad 380 015 Phone No.: 079 2686 8100; Fax No.: 079 2686 8337
More informationSCHEDULE. Corporate Practices (Model Memorandum and Articles of Association)
SCHEDULE Corporate Practices (Model Memorandum and Articles of Association) 1.102 (Schedule) [Rule 4(e)] The enclosed Model Memorandum and Articles of Association comprising the following titles have been
More informationOffice of the Registrar of Newspapers for India. Citizen s Charter
Motto Office of the Registrar of Newspapers for India Citizen s Charter Our Commitment, better service is the motto of RNI, and it is the constant endeavor of RNI to provide the best possible service to
More informationGOVERNMENT OF INDIA MINISTRY OF COMMUNICATIONS DEPARTMENT OF TELECOM (LR CELL) Sanchar Bhavan, 20 Ashoka Road, New Delhi
GOVERNMENT OF INDIA MINISTRY OF COMMUNICATIONS DEPARTMENT OF TELECOM (LR CELL) Sanchar Bhavan, 20 Ashoka Road, New Delhi 110 001. APPLICATION FOR ISP LICENCE (Please read the Guidelines and draft Licence
More informationAPPLICATION FOR REGULARISATION OF UNAUTHORISEDLY CONSTRUCTED BUILDING /BUILDING CONSTRUCTED IN DEVIATION OF THE SANCTIONED PLAN /SURYAPET MUNICIPALITY
APPLICATION FOR REGULARISATION OF UNAUTHORISEDLY CONSTRUCTED BUILDING /BUILDING CONSTRUCTED IN DEVIATION OF THE SANCTIONED PLAN /SURYAPET MUNICIPALITY 1 Name of the Applicant KONDETI PAVANA 2 Postal Address
More informationAnnexure A FORM OF COMPLAINT(TO BE LODGED ) WITH THE BANKING OMBUDSMAN
Annexure A FORM OF COMPLAINT(TO BE LODGED ) WITH THE BANKING OMBUDSMAN (FOR OFFICE USE ONLY) Complaint No. of year.. Date.. (TO BE FILLED UP BY THE COMPLAINANT) To The Banking Ombudsman (*Territorial jurisdiction,
More informationGOVERNMENT OF ANDHRA PRADESH FINANCE & PLANNING (FW. PRC.I) DEPARTMENT. Memo.No. 40/A/981/PRC.I/86-1, dt
GOVERNMENT OF ANDHRA PRADESH FINANCE & PLANNING (FW. PRC.I) DEPARTMENT Memo.No. 40/A/981/PRC.I/86-1, dt. 21-11-1986. Sub:- PUBLIC SERVICES -Recommendations of the Pay Revision Commissioner - Revision of
More informationTHE KERALA STATE CIVIL SUPPLIES CORPORATION LIMITED MAVELI BHAVAN, GANDHI NAGAR, KOCHI-20 NO-P /12 DATED: 6/3/2013
1 THE KERALA STATE CIVIL SUPPLIES CORPORATION LIMITED MAVELI BHAVAN, GANDHI NAGAR, KOCHI-20 NO-P16-15022/12 DATED: 6/3/2013 TERMS AND CONDITIONS FOR EMPANELMENT OF SUPPLIERS OF STATIONERY ARTICLES 1.Permanent
More informationIRREVOCABLE POWER OF ATTORNEY
ANNEXURE XI (To be executed on a stamp paper of requisite value) IRREVOCABLE POWER OF ATTORNEY Know all men by these presents, We [please insert the name of the firm/company/society/trust and address of
More informationPurpose The Organization is established to operate for charitable purposes and shall devote its resources to charitable activities. Article 3.
CANADIAN SERBIAN HUMANITARIAN FOUNDATION MALI SVET KANADA FOUNDING BY-LAWS Apr.28.2017 AIMS AND OBJECTIVES (CONSTITUTION) PREAMBLE 1. To establish humanitarian aid to underprivileged children, orphans,
More informationApplication for REC Membership
Application for REC Membership Please read the terms and conditions, and guidelines carefully before filling-up the application form. Please attach all relevant documents along with this application. Please
More informationGovernment of Andhra Pradesh
Government of Andhra Pradesh The Andhra Pradesh Shilparamam Arts, Crafts & Cultural Society, Vijayawada Tender Notice No. 882/SACCS/GM/FC/KKD/2018 Dated: 04.12.2018 TENDER (BID) DOCUMENT FOR OPERATION
More informationURANIUM ORE PROCESSING PROJECT AT TUMMALAPALLE, ANDHRAPRADESH TENDER DOCUMENT FOR NIT. NO: UCIL/TMPL /STORE/18-19/01 NAME OF THE WORK
URANIUM CORPORATION OF INDIA LIMITED ( A Government of India Enterprise ) Tummalapalle P.O.M.C.PALLE, VEMULA MANDAL, Y.S.R. DISTRICT.A.P.-516349 Ph.No.08588-282701/04, Fax:282704/707 E-mail: uranium_tmpl@yahoo.co.in
More informationCorporate Secretarial Practice Drafting of Resolution, Minutes, Notices and Reports
18 Corporate Secretarial Practice Drafting of Resolution, Minutes, Notices and Reports 18.0 General Hints on Drafting Reports Reports are too numerous to be governed by precise rules. However, a few general
More informationDigital Signature and DIN
Digital Signature and DIN 1. Requirement as to Digital Signature Certificate and Director Identification Number (DIN) The most primary thing required to incorporate any company is to obtain a valid Digital
More informationDiscussions: Recommendations:
MINUTES OF THE TENDER COMMITTEE MEETING HELD ON 02.06.2018, 11AM IN THE TENDER HALL OF OSMC, BHUBANESWAR UNDER THE CHAIRMANSHIP OF GM (OPERATIONS EQPT.) FOR UPLOADING OF THE CORRIGENDUM REQUIRED FOR INCLUSION
More informationTo be presented in Person
Guideline.No... Receipt No.... Dated... Price : Rs. 700/- (500+200 Guidelines) Late Fee Rs... Spl. Rs...Receipt No... Dt.... The Bar Council of Punjab & Haryana, Chandigarh Application Form No. 1-B prescribed
More informationTENDER FOR INTERIOR WORKS AT BANK OF INDIA, JAUNPUR (ALTERNATE PREMISES), Distt.JAUNPUR
Ref. No.: ZO:CSD:PP:2013-14: Date: 13/08/2013 TENDER FOR INTERIOR WORKS AT BANK OF INDIA, JAUNPUR (ALTERNATE PREMISES), Distt.JAUNPUR Sealed item rate tenders are invited for Interior works on behalf of
More informationLIFE INSURANCE CORPORATION OF INDIA
Ref: FZD/SALES Dated: 18.06.2015 LIFE INSURANCE CORPORATION OF INDIA DIVISIONAL OFFICE AYODHYA ROAD, BENIGANJ, FAIZABAD Category for Empanelment for publicity related work Applications are invited from
More informationBANK OF BARODA. Regional Office 129-D, Civil Lines Bareilly
BANK OF BARODA Regional Office 129-D, Civil Lines Bareilly TENDER DOCUMENT FOR SUPPLY AND INSTALLATION OF UPS BATTERIES AT DIFFERENT BRANCHES OF BAREILLY REGION LAST DATE OF SUBMISSION : 08.01.2014 TECHNICAL
More informationDD/DSD CDS PROCEDURES MANUAL FOR ADM 21/04/17 Chapter: 7 WITHDRAWAL Section: 7.1 Accepting Withdrawal Requests
Section: 7.1 Accepting Withdrawal Requests These withdrawal procedures are only applicable under certain circumstances as stated in the Rules of Bursa Malaysia Depository Sdn Bhd. This chapter stipulates
More information(a) All Gazetted officers residing/working in a District in respect of the electors residing in the concerned District;
By Fax / Speed Post ELECTION COMMISSION OF INDIA Nirvachan Sadan, Ashoka Road, New Delhi-110001 No. 37/AP-LC/2012-CC&BE Dated: 28 th September, 2012 To The Chief Electoral Officers of Andhra Pradesh Hyderabad
More informationTRANSMISSION 1. JOINT HOLDING- : 1.1 IN CASE OF DEATH OF THE FIRST UNIT HOLDER-
TRANSMISSION 1. JOINT HOLDING- : 1.1 IN CASE OF DEATH OF THE FIRST UNIT HOLDER- 1.1.1 Request letter from the second Unit holder duly signed requesting for transmission. 1.1.2 Death certificate/s in original
More informationCONSTITUTION OF THE AUSTRALIAN SOCIETY FOR OPERATIONS RESEARCH INCORPORATED (ASOR)
CONSTITUTION OF THE AUSTRALIAN SOCIETY FOR OPERATIONS RESEARCH INCORPORATED (ASOR) 1. THE SOCIETY 1. The Society. 2. Definitions. 3. The Objects of the Society. 4. Means of Attaining the Objects of the
More informationGOVERNMENT GAZETTE REPUBLIC OF NAMIBIA
No. 3824 Government Gazette 13 April 2007 1 GOVERNMENT GAZETTE OF THE REPUBLIC OF NAMIBIA N$4.40 WINDHOEK - 13 April 2007 No. 3824 CONTENTS GOVERNMENT NOTICES Page No. 75 Amendment of the regulations made
More information