Mandatory Documents for Agricultural Land Security Charge

1. Loan Application Form
   Complete the prescribed form (e.g., Form No. 138) along with necessary enclosures.
2. Land Ownership Documents
   Provide certified copies of the following:
   • 7/12 Extract (Record of Rights)
   • 8A Extract
   • 6D Extract
   • Chatu Sima (Land Measurement Certificate)
   • Title Deed or Sale Deed
   • Encumbrance Certificate (EC)
3. Legal Verification
   For loans exceeding ₹1.60 lakh, obtain a legal search report from an advocate on the Sanatan CCSL panel.
4. No Dues Certificate
   Submit a certificate confirming no outstanding dues from surrounding financial institutions, including PACS.
5. Guarantee Form (F-138)
   If applicable, provide guarantee forms with the following:
   • 7/12 and 8A Extracts of the guarantors
   • PACS Dues Certificate of the guarantors
6. Title Declaration (Gehan)
   A declaration form under the Maharashtra Co-operative Societies Act, 1960, stating the creation of a charge over the agricultural land as security for the loan.
7. Government Sanction (if required)
   For agricultural land transactions, obtain necessary sanctions from the District Collector or relevant authorities, especially if the land is classified under specific categories.
8. Additional Documents
   Depending on the loan type and amount, additional documents such as:
   • Project Report (for land development or irrigation projects)
   • Crop Details (if the loan is for crop cultivation)

Income Document’s

1. Application Form – Duly filled and signed by the Members/Applicant/Co-applicant/Guarantor.
2. Photographs – Two recent passport-size color photographs of each Member/Applicant/Co-applicant/Guarantor.
3. Identity Proof (Any one of the following):Aadhaar Card, NREGA Job Card, Passport, Driving License, Voter ID, PAN Card.
4. Residence Proof (Any one of the following):Aadhaar Card, NREGA Job Card, Electricity Bill, Passport, Voter ID.
5. Office/Business Address Proof (Any one of the following): Udyam Registration Certificate, GST Certificate, Gumasta License, Electricity Bill.
6. CIBIL Score – Minimum 800 required for all Members / Applicant and Guarantor.
7. Processing Fee – 2% of the sanctioned loan amount (non-refundable).
8. Existing Loan (if any):12 months repayment track record, Latest statement of account OR Copy of the Sanction Letter.
9. All documents must be self-attested by Member’s / Applicant- Co-applicant and Guarantors.
10. Additional documents may be requested based on the nature of the loan.

For Salaried Applicants

A. Income Document

1. Latest 3 months’ Salary Slips (with company logo or on company letterhead, duly seal and sign by authorized signatory).
2. Latest Form 16 (for 2 years) or Latest 2 years ITR (with CA attestation, if available).
3. Company Appointment Letter.
4. Company Increment letter.

For Self-Employed (Non-Professionals & Professionals)

A. Income Document

1. Latest 3 years ITR of the individual OR Company: Acknowledgement , Computation of Income, Profit & Loss Account, Balance Sheet, Audit Report (if available), ITR True certified attested by CA.
2. Latest 1 year Bank Statement :Current Account and Savings Account.
3. Business Entity Proof (Any one): Shop Act License, Udyam Registration Certificate, GST Certificate.
4. Business Profile – On company letterhead.
5. Qualification Certificate – Applicable for professionals (e.g., CA, Doctor, Architect and Engineer )

For Partnership firm / LLP / Pvt. Ltd./ Ltd Company (If Member, Applicant or Co-applicant)

A. Company Income Document

1. Latest 3 years ITRs : Acknowledgement , Computation of Income, Profit & Loss Account, Balance Sheet and Audit Reports (ITR True certified attested by CA)
2. Latest 1 year Company Bank Statement (Current Account)
3. Partners / Director’s Income tax return with 1-year bank statement copy.

B. Company Documents

1. Company PAN Card.
2. Company Address Proof.
3. Memorandum of Association (MOA).
4. Shareholding Pattern – On company letterhead, certified by CA.
5. Board Resolution – As per Sanantan CCSL format, on company letterhead.
6. If partnership ship OR LLP firm- Partnership/LLP agreement required.
7. Company registration certificate.

Note: – Additional documents may be needed as per the nature of the application, All documents need to be attested by the member’s Applicant & Co-Applicant.

Terms- “The Sanatan Co-Operative Credit Society Ltd. reserves the right to unilaterally revise or modify its terms and conditions, including, but not limited to, rates of interest, fee structures, product features, and scheme eligibility/benefits. Any such revisions shall be effective immediately upon approval by a resolution passed in either the Annual General Meeting (AGM) or a Special General Meeting.” ( The T&C applicable for all products )