Letter

01.12.
2024
The Branch Head

HDFC Bank
Vijay Nagar Branch
Jabalpur.
Sub: Our requests for the reversal of penal charges/interests.

Ref: Statement of account for the month of Nov. 2024.
Dear Sir,
We draw your kind attention towards our letter dated 30.11.2024,

various other letters, personal and telephonic talks requesting every
time for the reversal of heavy penal charges debited to our Cash Credit
account with you. It is with much regret to inform you that every
month our account is debited with unwanted and inapplicable penal
charges from the month we switched our credit facility from Bank of
Baroda to your bank. You have charged 89.25 lacs till 30.11.2024, out
of which Rs. 20 lacs have been reversed after great efforts; a sum of Rs.
69.25 lacs are still to be reversed. We could not understand the reason
behind the levy of inapplicable penal charges; is it a policy of the bank
to penalise the customers for banking with you.
It is matter of great concern that instead of the reversal of penal

charges you have again debited our account on 30.11.2024 with penal
interest for Rs. 12.50 lacs without mentioning any reason. While
talking over phone, it has been informed to us that the additional
interest debited on 30.11.2024 is for non-renewal of CC limit. In this
regard we would like to bring to your notice that we have, immediately
on getting your WhatsApp communication, submitted the renewal
request letter along with all the documents as has been asked to
submit, on 05.08.2024. Thereafter we didn’t get any communications
from you. Are we default in the renewal of limit? then why these penal
charges.
In view of the above facts, we once again request you to please look
into the matter, check your system and reverse the pending amount for
Rs. 69.25 lacs immediately on receiving this letter or otherwise we will
not be able to continue banking with you.
Hope, you will please find the above in order and shall reverse all the
penal charges treating the matter as very serious and urgent.
Thanking you
Yours faithfully
For Samdariya Abhushan Pvt. Ltd
Authorised Signatory.
30.11.2024
The Branch Head

HDFC Bank
Vijay Nagar Branch
Jabalpur.
Sub: Our requests for the reversal of charges.
Dear sir,
We invite our kind attention towards our various letters, personal and
telephonic discussion requesting every time to reverse the unwanted
penal charges debited to our account for about 68 lacs out of which you
have reversed only 20 lacs recently.; Rs. 38 lacs are yet to reverse.
In addition to the above, you have, on 15 th Nov. again charged penal

charges for Rs. 354375/- for no reason. During the course of
discussions with the Relationship Manager, he informed to us that this
penal charge is for the shortfall in the insurance as compared to the
stock. We have requested him to inform us the calculation for imposing
penal charges due to shortfall in the insurance amount. But neither we
got the calculation sheet nor the amount reversed still date. You are
aware that upon getting advice from you, we have increased the
insurance sum to 105 cr which was more than enough but still you are
continuously imposing penal charges on us.
In view of the above facts, we once again request you to kindly reverse
both Rs. 38 lacs and Rs. 354375/- immediately on receiving this letter.
Awaiting to hear from you and thanking you.
Yours faithfully
For Samdariya Abhushan Pvt Ltd.
Copy to
The Relationship Manager
HFDFC Bank : for information with a request to kindly
Vijay Nagar do the needful as requested above under
Jabapur an intimation to us.
25.11.2024
The Branch Head,

HDFC Bank,
Vijay Nagar,
Jabalpur.
Sub: Renewal of Cash Credit facility.
Dear Sir
This has reference to your WhatsApp communication to us. The desired

documents are attached as under:
1. Letter requesting for the renewal/review of Cash Credit facility.

2. GSTR 3 B for the period from Sep. 23 to Oct. 2024.
3. Copy of the Audit report and Audited financials for the year ended
on 31.03.2024.
We request you to kindly renew/review the Cash credit facility at your
earliest.
Thanking you.
Yours faithfully,
For Samdariya Abhushan India Pvt. Ltd,
Encl: as above.
Copy to:
Shri. Gourav Mishra
The Relationship Manager : for information and necessary action, please.
HDFC Bank
Jabalpur.
25.11.2024
The Branch Head,

HDFC Bank,
Vijay Nagar,
Jabalpur.
Sub: Renewal of Term Loan facility.
Dear Sir

1. Letter requesting for the renewal/review of Term Loan facility.

3. Copy of the Audit report and Audited financials for the year
ended on 31.03.2024.
We request you to kindly renew/review the Term Loan facility at your
earliest.
Thanking you.
Yours faithfully,
For Samdariya Inn Pvt. Ltd,
Encl: as above.
Copy to:
Shri. Gourav Mishra
HDFC Bank
Jabalpur.
25.11.2024
The Branch Head,

HDFC Bank,
Vijay Nagar,
Jabalpur.
Sub: Renewal of Term Loan facility.
Dear Sir

1. Letter requesting for the renewal/review of Term Loan facility.

3. Copy of the Audit report and Audited financials for the year
ended on 31.03.2024.
We request you to kindly renew/review the Term Loan facility at your
earliest.
Thanking you.
Yours faithfully,
For Samdariya Bazar Pvt. Ltd,
Encl: as above.
Copy to:
Shri. Gourav Mishra
HDFC Bank
Jabalpur.
25.11.2024
The Branch Head,

HDFC Bank,
Vijay Nagar,
Jabalpur.
Sub: Renewal of Term Loan & Cash Credit facilities.
Dear Sir

1. Letter requesting for the renewal/review of Term Loan & Cash

Credit facilities.
3. Copy of the Audit report and Audited financials for the year ended
on 31.03.2024.
We request you to kindly renew/review the Term Loan and Cash Credit
facilities at your earliest.
Thanking you.
Yours faithfully,
For Samdariya Foods Pvt. Ltd,
Encl: as above.
Copy to:
Shri. Gourav Mishra
HDFC Bank
Jabalpur.
23.11.2024
The Chief Manager

Central Bank of India
Napier town
Jabalpur.
Sub: Confirmation for extension of Equitable mortgage.
Dear Sir
We hereby confirm and undertake to Central Bank of India, Napier

Town, Jabalpur that we shall extend the Equitable mortgage on our
property to Central Bank of India to secure the proposed Term Loan to
be sanctioned to M/s. Samdariya Builders Shadol Pvt Ltd.
Thanking you
Yours faithfully
For Krishna Builders
Partner.
23.11.2024
The Chief Manager

Central Bank of India
Napier town
Jabalpur.
Sub: Confirmation for extension of Equitable mortgage.
Dear Sir
We hereby confirm and undertake to Central Bank of India, Napier

Town, Jabalpur that we shall extend the Equitable mortgage on our
property to Central Bank of India to secure the proposed Term Loan to
be sanctioned to M/s. Samdariya Builders Shadol Pvt Ltd.
Thanking you
Yours faithfully
For Balaji Constructions
Partner.
21.11.2024
The Asst General Manager,
Corporate Finance Branch,
Bank of Baroda,
Indore
Sub: Our proposal for sanction Term Loan for Rs. 49 Cr for
our Ratlam Project.
Dear Sir,
This has reference to the telephonic talk you had with us today regarding the
source of own investments proposed in the project, we would like to submit as
under:
1. The project margin Rs. 163.75 Cr estimated shall be infused in the form of
Capital Rs. 110.78 Cr and balance Rs. 52.97 Cr in the form of unsecured loan. It
is also submitted that Rs. 110.78 Cr towards capital shall be contributed by each
director and the parent company M/s. Samdariya Builders Pvt. Ltd. The
unsecured loan proposed to be introduced for Rs. 52.97 Cr shall be from friends
and relatives of the directors/shareholders and also from the group companies of
Samdariya Group. Samdariya Group companies, their promoters and family
members are having good market reputation, name and fame in the
Mahakoushal area; in short, to arrange the proposed fund is not at all a problem.
We give below the list showing the net worth of group units and the promoters
for your kind reference:
a) Samdariya Group.
S.No Name of units/promoters Net worth as per Amount in Cr
Audited Balance
Sheet.
1 Samdariya Builders Pvt. Ltd 31.03.2024 131.58
2 Samdariya Abhushan Pvt. Ltd 31.03.2023 19.82
3 Samdariya Abhushan 31.03.2023 7.05
Samdariya Abhushan India 11.18
Pvt Ltd.
4 Samdariya Builders HUF 31.03.2023 26.60
5 Samdariya Buiders Green 31.03.2023 6.83
City
6 Krishna Builders 31.03.2023 5.42
7 Samdariya Hotels Pvt. Ltd 31.03.2023 2.16
8 Mr. Kishore Samdariya 31.03.2023 29.70
9 Mr. Ajit Samdariya 31.03.2023 11.38
10 Mr. Pawan Samdariya 31.03.2023 8.64
11 Mr. Kuber Samdariya 31.03.2023 3.05
12 Smt. VibhaSamdariya w/o 31.03.2023 35.26
Kishore Samdariya.
13 Smt. Pooja Samdariya w/o 31.03.2023 10.08
Kuber Samdariya
The group units, promoters, other family members will support and transfer the
funds to Mr. Kishore Samdariya and Mr. Ajit Samdariya, the directors of the
company, that amount will infuse in the company in the form of capital
contribution or unsecured loan. We attach herewith an excel sheet showing the
financial structure of the group units.
Further, the parent company Samdariya Builders Pvt. Ltd has more than 12
subsidiary companies having the ongoing projects in the major cities of Madhya
Pradesh. These subsidiary companies are already in a stage/level to accept
booking advances from the customers. These funds will be an additional source
for the parent company to invest funds in the project as and when required.
We hope, you will please find the above submission in order and shall favour us
with your sanction at your earliest.
Thanking you.
Yours faithfully,
For Samdariya Builders (Ratlam) Pvt Ltd,
Director.
Encl : as above.
SAMDARIYA BUILDERS PVT. LTD, JABALPUR
LIST FUND BASED LOANS (NAME OF THE FINANCIERS, NATURE OF LOAN,
SANCTIONED LIMIT AND OUTSANDING AS ON 31S MARCH 2024)
Name of the Facility Sanctioned Outstanding Status

Financer limit (in Lacs) as on
31.03.2024
Bank of Baroda FRR 2500.00 1538.10 Standard
Bank of Baroda GECL 299.00 8.50 -do-
Bank of Baroda Auto Loan 9.50 3.76 -do-
Bank of Baroda Auto Loan 7.99 -do-
Canara Bank Term Loan 900.00 800.00 -do-

Canara Bank GECL 150.00 25.00 -do-
Central Bank Overdraft 300.00 302.55 -do-
HDFC Bank Term Loan 2900.00 2798.00 -do-
Mahindra Finance Equipmen 25.00 18.91 -do-

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HDFC Bank Equipmen 11.50 11.03 -do-
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Sunderam Finance Equipmen 88.82 73.89 -do-
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Mahindra Finance Equipmen 27.14 -do-
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HDFC Equipmen 23.00 -do-

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The Asst General Manager,

Credit Department,
Corporate Finance Branch,
Bank of Baroda,,
Indore.
Sub: Our proposal for sanction of TLRs. 49 Cr for our Ratlam project.
Dear Sir,
This has reference to the discussions you had with us regard the sources of own
contribution in the project, we would like to submit as under:
1. The project margin Rs. 163.75 Cr estimated shall be infused in the form of
Capital Rs. 110.78 Cr and balance Rs. 52.97 in the form of unsecured loan. It is
also submitted that the capital part shall be contributed by the directors and the
parent company Samdariya Builders Pvt. Ltd. The unsecured loan proposed to be
introduced for Rs. 52.97 Cr shall be from friends and relatives of the
directors/shareholders and also from the group companies of Samdariya Group.
Both of these business groups, their promoters and families are having good
market reputation, name and fame in the Mahakoushal area; to arrange the
proposed funds is not at all a problem.
2. We confirm and undertake that the project margin Rs. 380 Cr will not be
withdrawn during the currency of the Term Loan.
..2
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6. Please refer reply given for point No. 5 above. We hereby confirm that the
DSCR ratio shall be maintained as per the bank norms during the currency of the
term loan.
7. We attach herewith the details of projects completed by the group units and
the construction projects in hand for execution by the group units. Samdariya
Group is into construction business since last more than 35 years and the
promoters and directors are well experienced in the line with well experienced
team of employees and staff to look after the quality, marketing and sales etc. In
the same way Dainik Bhasker group is also in to the construction business since
a long time with well experience and market reputation in the line.
8. The valuation report given to you for Rs. 490 Cr is the realisable value of the
project land.
9. Already submitted, however the detailed TV report for the project shall be
submitted post NBG approval.
We hope, you will please find the above submission in order and shall favour us
with your approval at your earliest so that we can proceed for TV report and
process.
Thanking you.
Yours faithfully,
For ESBE Construction Pvt Ltd,
16.11.2024
The Divisional Manager

Canara Bank
MSME Sulabh
Jabalpur.
Sub: Our Cash Credit limit for Rs. 10 Cr.
Dear Sir
This has reference to the discussions and we hereby confirm as under:
That the fund has not been utilised for purchase of gold in the form of Gold Bullion, Primary
Gold, Gold coins, units of gold exchange trade fund (ETF) and units of gold mutual funds. This
shall be complied in future as well.
Thanking you
Yours faithfully
For Samdariya Abhushan Gold Pvt. Ltd
Director.
14.11.2024
The Chief Manager,

State Bank of India,
Govindpura Branch,
Bhopal.
Sub: Disbursement of Term loan by debit to our TL account No.

41868638338.
Dear Sir
We request you to kindly disburse a sum of Rs. 1 Cr by debit to our TL

account No. 41868638338 and this amount may please be transferred via
RTGS to the below mentioned account:
Name of the account holder: Samdariya Builders Pvt. Ltd

Name of the Bank & Branch: HDFC Bank
Vijay Nagar Branch
Jabalpur.
Account No. 50200083015259
IFSC code: HDFC0001282
We hope you will please do the needful as requested above.
Thanking you
Yours faithfully
For Samdariya Builders Dewas Pvt. Ltd
Director.
17.05.2024
The Chief Manager

State Bank of India
Govindpura Branch
Bhopal.
Sub: Our Term loan limit – request for disbursement.
Dear Sir,
This has reference to our discussions.
We request you to kindly disburse a sum of Rs. 1 Cr by credit to

our Current Account with you. The fund is required for the
payment to the contractors.
Hoping to be accommodated as requested above and thanking

you.
Yours faithfully
For Samdariya Builders Dewas Pvt Ltd
Director.
11.11.2024
The Chief Manager,

Govindpura ,
Bhopal.
Sub: Consortium limit of TL Rs. 50 Cr sanctioned for our RLDA Project at Bhopal.
Ref: Your observations/renewal queries via WhatsApp message.
Dear Sir,
With reference to the above and the telephonic talk with Shruti Rai Madam today, we
would like to submit pointwise reply as under:
1. The paid-up capital of the company is Rs. 380 lacs as against the authorised capital
of Rs. 460 lacs which has already been updated in Registrar of Companies,
Gwalior. Samdariya Builders Pvt Ltd is holding 99% of the share capital; SBPL has
the Demat account with UCO Bank. Please advise, out of the above paid-up capital
how many shares we have to pledge with the members of the consortium and
what is the procedure. We shall pledge the shares immediately upon getting your
advice.
2. The details of investment in the project as on 30 th Sep. 2024 are attached herewith.
We shall submit the quarterly investment details from the upcoming quarters.
3. Already updated in ROC (Copy of the Master Data of the company is attached).
4. Current Account with HDFC Bank stands closed. Copy of the confirmation letter is
attached.
5. Latest Shareholding Patten is attached.
6. Mutation process for Khasra No. 664, 665 and others are in progress and shall be
communicated immediately on completion of the government procedures.
6. RERA registration is in progress. Reason for delay has already been communicated
to you and also seek your support for this.
7. We have been regularly submitting the CA certificate regarding the investment in
the project at the time of each disbursement.
We hope, you will please find the above submission in order and shall advice for the
pledge of the shares.
Thanking you and assuring of our best c-operation at all times.
Yours faithfully
For Samdariya Builders Bhopal Pvt. Ltd
Director/Authorised Signatory.
Encl: as above.
11.11.2024
The Chief Manager,

Govindpura ,
Bhopal.
Sub: TL & BG limits for Rs. 44.07 Cr & 3.99 Cr respectively sanctioned for our MPH&DB at
Dewas..
Dear Sir,
Point No. 1 . Already communicated to you by our Mr. Yash Bohra, CEO.
Point No. 2: Already communicated to you by our Mr. Yash Bohra, CEO.
Point No. 3. Copy of the Audited Balances Sheet, P& L Account of the company for the
FY ended on 31.03024 are attached. ITR is yet file, which shall be filed on or before its due
date thereafter the Ack shall be provided.
Point No. 4. The details of investment in the project as on 30 th Sep. 2024 are attached
herewith. We shall submit the quarterly investment details from the upcoming quarters.
Scope of the project is construction of various government facilities and development and
construction of CLP land at Dewas as per the agreement between the company and
MPH&DB (copy of the agreement has already been submitted).
Point No. 5. The paid-up capital of the company is Rs. 4,80,06,660/- lacs as against the
authorised capital of Rs. 8,00,00,000/- which has already been updated in Registrar of
Companies, Gwalior. Samdariya Builders Pvt Ltd is holding 99% of the share capital; SBPL
has the Demat account with UCO Bank. Please advise, out of the above paid-up capital
how many shares we have to pledge with you and what is the procedure. We shall pledge
the shares immediately upon getting your advice.
Point No. 6: RERA registration is in progress and shall confirm to you immediately upon
completion of various government procedures.
Point No. 7. Current Account with HDFC Bank stands closed. Copy of the confirmation
letter is attached.
Point No. 8. We have been regularly submitting the CA certificate regarding the
investment in the project at the time of each disbursement.
Yours faithfully
For Samdariya Builders Dewas Pvt. Ltd
Encl: as above.
11.11.2024
The Chief Manager,

Govindpura ,
Bhopal.
Sub: TL & BG limits for Rs. 22 Cr & 2.07 Cr respectively sanctioned for our MPH&DB at
Datia..
Dear Sir,
Point No. 1. The paid-up capital of the company is Rs. 97.80 lacs as against the authorised
capital of Rs. 100 lacs which has already been updated in Registrar of Companies, Gwalior.
Samdariya Builders Pvt Ltd is holding 99% of the share capital; SBPL has the Demat
account with UCO Bank. Please advise, out of the above paid-up capital how many shares
we have to pledge with you and what is the procedure. We shall pledge the shares
immediately upon getting your advice.
Point No. 2 . Already communicated to you by our Mr. Yash Bohra, CEO.
Point No. 3: Already communicated to you by our Mr. Yash Bohra, CEO.
Point No. 4/1. Copy of the Audited Balances Sheet, P& L Account of the company
for the FY ended on 31.03024 are attached. ITR is yet file, which shall be filed on or before
its due date thereafter the Ack shall be provided.
Point No. 4/2. The details of investment in the project as on 30 th Sep. 2024 are attached
herewith. We shall submit the quarterly investment details from the upcoming quarters.
Scope of the project is construction of various government facilities and development and
construction of CLP land at Dewas as per the agreement between the company and
MPH&DB (copy of the agreement has already been submitted).
Point No. 5. Please refer reply given in point No. 1.

Point No. 6: RERA registration is in progress and shall confirm to you immediately upon
completion of various government procedures.
Point No. 7. Current Account with HDFC Bank stands closed. Copy of the confirmation
letter is attached.
Point No. 8. We have been regularly submitting the CA certificate regarding the
investment in the project at the time of each disbursement.
Yours faithfully
For Samdariya Builders Datia Pvt. Ltd
Encl: as above.
SAMDARIYA BUILDERS PVT. LTD, JABALPUR
LIST FUND BASED LOANS (NAME OF THE FINANCIERS, NATURE OF LOAN,
SANCTIONED LIMIT AND OUTSANDING AS ON 31S MARCH 2024)
Name of the Facility Sanctioned Outstanding Status

Financer limit (in Lacs) as on
31.03.2024
Bank of Baroda FRR 2500.00 1538.10 Standard
Bank of Baroda Auto Loan 9.50 3.76 -do-
Bank of Baroda Auto Loan 7.99 -do-
Canara Bank Term Loan 900.00 800.00 -do-

Central Bank Overdraft 300.00 302.55 -do-

HDFC Bank Term Loan 2900.00 2798.00 -do-

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Sunderam Finance Equipmen 88.82 73.89 -do-
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09.11.2024
The Chief Manager,

MCC Branch,
Punjab National Bak
Jabalpur.
Sub: Sanction Advise dated 19.09.2024.
Dear Sir,
We are in receipt of the above sanction advice, in reply to the compliance of the highlighted
observations, we would like to submit as under:
1.Point No. 1(ii)

Our Mr. Shubham Shukla has already sent (mailed/WhatsApp to Neha Madam) the rectified
CIBIL report of ‘Samdariya Abhushan Pvt. Ltd’. In short, this query stands complied.
2. Point No. 1(6)
We hereby confirm and undertake that the TNW including the quasi equity shall be
maintained to the level of Rs. 1479.64 lacs on or before 31.12.2024.
3. Point No. 1(12)
That we shall replace the existing IP with a new property having the value to secure the credit
limits sanctioned to ‘Samdariya Abhushan’ and ‘Samdariya Builders Green City’ on or before
31.12.2024. In such a situation, the question to reduce the sanctioned credit limits to both
these units will not arise.
We hope, you will please find the above submission in order.
Thanking you
Yours faithfully
For Samdariya Abhushan
Partner.
06.11.2024
The Chief Manager

MCC, Punjab National Bank
Jabalpur.
Sub: Observation on investment of Rs. 1.75 Cr in Osis Build Mart Pvt. Ltd
for purchase of shares.
Dear Sir
This has reference to our observation on the above subject. In this regard we would like to
submit that mutual discussions are going on to settle and solve the issue and we hope to
arrive in a solution shortly.
We hope, you will please find the above in order.
Thanking you
Yours faithfully
For Samdariya Builders Pvt. Ltd
Director.
30.10.2024
The Chief Manager,

Canara Bank,
Khowamandi Branch,
Jabalpur.
Sub: Application for renewal of OCC limit further for 3 months.
Dear Sir
This has reference to the WhatsApp communication; we request you to please extend our OCC
limit further for a period of 3 months. We also request you to kindly advise us the procedures
to be followed for the yearly renewal.
We hope, you will please find the above in order and shall extend the OCC limit as requested
above.
Thanking you
For Samdariya Abhushan Gold Pvt. Td
28.10.2024
The General Manager,

Railway Land Development Authority (RLDA),
Uni No. 702,-B, 7th Floor,
Konnectus Tower,
DMRC Building, Ajmeri Gate,
New Delhi.
Sub: RLDA Project at Bhopal.
Ref: Seeking the guidance about the GST liability on the share of land
for Commercial use.
We may draw your kind attention towards lease deed for the land that originally
the land premium was for Rs. 33 Cr for 95% of the land for residential use and
5% for commercial use. Now this condition stands changed; land premium has
been increased from Rs. 33 Cr to 51.41 Cr ie 52% of the land would be for
residential and 48% for commercial use. Accordingly, our GST liability on Rs.
24.6768 Cr (i.e 48% of the total land share) comes to Rs. 4.441 Cr. We have
already paid GST for Rs. 66 lacs on the premium for Rs. 3.70 Cr i.e 48% of the
total land premium paid for Rs. 7.71 Cr) and balance GST liability on us comes to
Rs. 3.781 Cr.
Now, therefore we approach you with a request to please confirm us the date by
which GST liability for Rs. 3.781 Cr comes on us whether the liability already
created on the date when the lease deed has been executed or the liability will
arise only when you will raise the bills on us for the payment of land premium.
We hope, you will please find the above in order and shall confirm the above per
return mail.
Thanking you
Yours faithfully
For Samdariya Builders Bhopal Pvt. Ltd
Authorise Signatory.
25.10.2024
The Chief Manager

Sulabh
Canara Bank
Jabalpur.
Sub: Observations on CIBIL report generated 25.10.2024.

Ref: Our letter dated 30.07.2024.
Dear Sir,
With reference to your WhatsApp communication today, we hereby

confirm that the other PAN number appears in the CIBIL report is of
Samdariya Ahushan, one of our group units.
We have already raised a dispute to CIBIL authorities to rectify the
other PAN wrongly displayed and also to remove it from the CIBIL
report. But the mistake is not yet rectified. We already instructed our
man to raise one more dispute for the rectification. We hope to get the
corrected CIBIL report shortly.
We trust, you will please find the above submission in order.
Inconvenience caused is regretted very much.
Thanking you
Yours faithfully
For Samdariya Abhushan Gold Pvt. Ltd.
Director.
25.10.2024
The Chief Manager
Bank of Baroda
Wright Town
Jabalpur.
Sub: Switch over of Cash Credit and Term Loans sanctioned

to our group units by HDFC Bank to Bank of Baroda,
Wright Town, Jabalpur branch.
Dear Sir
This has reference to our discussions we had with you on the

above subject. As discussed during the course of meeting, we
would like to inform you that we are interested to switch over to
your bank our following credit facilities, sanctioned by HDFC
Bank.
S.No Name of the Units Nature of Amount

. facility (in Crs)
1 Samdariya Abhushan India Pvt. Ltd Cash Credit 40
2 Samdariya Hotels Pvt. Ltd Term Loan 5
3 Samdariya Bazar Pvt Ltd Term Loan 5
4 Samdariya Inn Pvt Ltd. Term Loan 5
TOTAL 55
As advised, we attach herewith the KYCs of the companies and

their directors, audited financials for the last three years
(wherever available) copies of the sanction letters of HDFC Bank
etc and the papers related to the property offered as collateral
security. Incase if you require any other documents and or
information, we shall provide you the same immediately on
hearing from you.
Security
All the above credit facilities would be secured by Equitable
mortgage of multistorey building situated on plot admeasuring
14135.22 Sq.ft at Hotel Samdariya Inn, Russel chowk, Jabalpur
belongs to the parentship firm Samdariya Construction. As per
the latest valuation report the market value of the property is Rs.
69 Cr. At present the property is EM with HDFC Bank to secure
the Term loan proposed for switch over to your bank. Latest
valuation and search report is attached for your kind reference.
We hope, you will please find the above submission in order and
shall scrutinize our application and the supporting documents
attached herewith so that the afore said credit facilities can be
switched over to your bank.
Thanking you and assuring you of our best co-operation at all
times.
Your faithfully
For Samdariya Group Units
Enc: as above.
25.10.2024
The Branch Head

HDFC Bank
Vijay Nagar Branch
Jabalpur.
Sub: Intimation regarding switch over of our CC Limit for Rs. 40 Cr.
Dear Sir
We would like to inform you in advance, before one month that we are going to switch over
our Cash Credit limit for Rs. 40 Cr with you to any other bank so that no prepayment charge
would be applicable on us.
We further request you to reverse the unnecessary penal charges debited and charged to ours
and Samdariya Abhushan Pvt. Ltd immediately on receipt of this letter. We have already
requested many times along with the working of penal interest taken from us.
This is for your kind information please.
Thanking you.
Yours faithfully
For Samdariya Abhushan India Pvt. Ltd.
Copy:
The Relationship Manager (Credit)
HDFC Bank for information please.
Jabalpur.
The Credit Head

Indore.
25.10.2024
The Branch Head

HDFC Bank
Vijay Nagar Branch
Jabalpur.
Sub: Intimation regarding switch over of Term Loan for Rs. 5 Cr each
sanctioned to our group units.
Dear Sir
We would like to inform you in advance, before one month that we are going to switch over
the term loan for Rs. 5 Cr each sanctioned to our following group units to any other bank so
that no prepayment charge would be applicable on us.
1.Samdariya Hotels Pvt. Ltd.

2. Samdariya Inn Pvt. Ltd
3. Samdariya Bazar Pvt. Ltd.
This is for your kind information please.
Thanking you.
Yours faithfully
For Samdariya Group Units.
Copy:
The Relationship Manager (Credit)
Jabalpur.
The Credit Head

Indore.
CERTIFICATE
This is to certify that M/s. Samdariya Jewellers, Jabalpur has the following Sundry Debtors
(Receivables) as on 30th Sep. 2024 which was also given in the stock statement for the
calculation of Drawing Power by Union Bank of India.
S.No. Name of the Party Amount as on 30.09.2024

1 Samdariya Abhushan India Pvt. Ltd,Satna. 50,000.00
2 Sandeep Abhushan, Jabalpur 53,42,828.00
3 Samdariya Abhushan Pvt Ltd, Civic Centre, 2,78,02,102.00
Jabalpur
4 Samdariya Abhushan Pvt Ltd, Katni. 2,144.00
5 Others 5,973.00
TOTAL RECEIVABLES AS ON 30.09.2024 3,32,03,047.00
For Samdariya Jewellers
Authorised Signatory
CA
23.10.2024
The Chief Manager

Union Bank of India
Wright Town
Jabalpur.
Sub: Renewal of Cash Credit Limit Rs. 480 lacs and release of property.
Ref: Your Email communication dated 23.10.2024.
Dear Sir,
With reference to the above we would like to submit the point wise reply as under:
1.Justification:
1(i) Consent letter from Siddhant Pathak is attached herewith that he is not the owner
of the subject property in favour of the present owner. Advocate confirm that he is
not the owner of the present property, the question of giving the guarantee by
Siddhant Pathak does not arise.
1(ii) Personal guarantee of Mrs. Mamta Pathak and Mr. Sankalp Pathak is agreed.
1(iii) Agreed for latest mortgage deed & documentation.
1(iv) 2nd Search report of the property shall be provided.
1(v) Agreed for 30% of the total receivable for calculation of DP.
1(vi) Monthly stock report shall be submitted as usual with a margin or 25%.
2. Under the centralised purchase system of the group, we have sale and purchase
among the sister/group units which we have already confirmed to you.
3. Loan for Rs. 13.35 Cr has been sanctioned to M/s. Samdariya Builders Pvt. Ltd by
Indian Overseas Bank Jabalpur. It is not the personal liability of Mr. Ajit
Samdariya; where as he is director in the company.
4. Already done.
5. Branch has to submit (we have already communicated the details to the branch).
6. Branch has to submit (we have already submitted to the branch)
7. Agreed for necessary corrections in the search reports.
8. These are per the provisions of the local authority.
9. We confirm that Rs. 0.45 lacs is only the Loans to sister concerns and remaining
amount Rs. 4.29 Cr under the head Loans & Advances is advance for supplies to the
sister units.
2
10. We are regular in submitting the stock report and list of debtors to the branch.
However, latest debtors certified by CA is attached herewith.
11. Net worth of the proprietor has already submitted. Net worth of both the
guarantors are attached.
12. Signed CAM has already submitted.
13. Branch to comment.
14. Please point No. 2above.
15. Branch to comment.
16. Account of the associate units for FY 2023-24 under audit, we shall submit the
copies as and when they are signed by the auditors.
17. Already submitted. (GST registration certificate and PAN etc no other permission is
needed)
18. Already submitted along with the GST returns up to Aug. 24.
We hope, you will please find the above submissions in order and shall renew the limit
and also permission for the release of property as and when required as informed in the
renewal request letter.
Thanking you
Yours faithfully
Encl: As above.
22.10.2024
The Chief Manager

State Bank of India
Govidpura Branch
Bhopal.
Sub: Request for issue of NOC for execution of sale deed for
Plot No. 19.
Dear Sir
We request you to kindly issue us NOC for execution of sales deed

for Plot No. 19. The details are as under:
S.No Plot Area of Plot Sale value Amount to be

. Number deposited
i.e. 40% of
the sale
value.
1 19 2171 Sq.ft 1,73,68,000/- 69,47,200/-
As per the terms and conditions of the sanction, we need to

deposit Rs. 69,47,200/- ( 40% of the sale value) in the account for
issue is NOC which we are going to deposit and the loan liability
shall be reduced to that extent.
We hope, you will please find the above in order and shall issue
the NOC to the bearer of this letter.
Thanking you
Yours faithfully
For Samdariya Builders (Dewas) Pvt. Ltd
Director.
END USE CERTIFICATE
(To be given to Punjab National Bank, MCC, Jabalpur)
This is to certify that M/s. Balaji Construction Jabalpur has the following investments as on
31.03.2024 as against the Term Loan Rs. 15 Cr sanctioned on 30.09.2023 to the firm by
Punjab national bank, Jabalpur.
S.No. Particulars Amount

1 Closing stock (WIP, Land etc ) 16,26,66,257.97
2 Advance to Suppliers, Cash & Bank balances 4,12,01,648.62
Other Current Assets.
3 Total 20,38,67,906.59
The above data has been verified from the books of accounts of the firm and found
correct.
For Balaji Constructions
Partner
CA
UNDERTAKING
(To HDFC Bank, Vijay Nagar, Jabalpur)
We hereby confirm and undertake that we have submitted the Net worth as on 30.09.2024
in the case of ‘Samdariya Abhushan Pvt Ltd’ & ‘Samdariya Abhushan India Pvt Ltd’ to
HDFC Bank, Vijay Nagar Branch, Jabalpur. In-case if any shortfall in the given NWC as per
the bank norms, we shall make good the same/shall be brought back in to the business
before the end of the current financial year.
For Samdariy Bhushan Pvt Ltd
Authorised Signatory/Director.
Jabalpur
Dt. 16.09.2024
14.10.2024
The Chief Manager,
Union Bank of India,
Wright Town,
Jabalpur.
Sub: Our Cash Credit limit for Rs. 480 lacs.

Ref: Renewal of CC limit.
Dear sir,
This has reference to our WhatsApp communication dated 26th Sep. 2024.
As advised, we enclose herewith the following set of documents with a request to please
renew the existing Cash Credit limit further for a period d of one year.
1. Application for renewal of limit in your prescribed form duly sealed and signed.
2. Pan Card of the Proprietor Mr. Ajit Samdariya.
3. Adhar Card of the Proprietor Mr. Ajit Samdriya.
4. Audited Balance sheet of the firm for the financial year ended on 31.03.2024.
5. Copy of the Udyam Registration Certificate.
6. Copy of the GST Registration Certificate.
7. GSTR for the last year i.e. 2023-24.
8. GSTR for the period from April 2024 to Aug. 2024.
9. CMA data having 3 years audited figures, current year estimate and following year
Projections.
10. CA Certified Net worth of the proprietor as on 31.03.2023.
We hope, you will please find the above submission in order and shall renew the the Cash
Credit limit further for a period one year with a specific condition allowing us to take NOC
from the branch for the constructed units constructed on the collateral security mortgaged
with you. We shall deposit Rs. 15 lacs for credit to the loan account before the issue of NOC
and the CC limit shall be reduced to that extent each time.
We hope you will please find the above in order and shall renew the CC limit as requested
above.
Thanking you and assuring of our best co-operation at all times.

Yours faithfully
Ajit Samdariya.
Encl: as above.
As on 30.09.2024 2084.52 as on 24.01.24

SAIPL
SAPL
S.No Particulars Amount (in lacs)

1 Paid up Capital & Reserve & Surplus. 2336.76
2 Reserve & Surplus
3 Unsecured Loans from related parties 1444.58
4 Less: Security Deposits 2677.90
5 Less: Loans & Advances to related parties 2.00
NET WORTH 1101.44
UNDERTAKING
(for UCO, Jawaharganj Branch, Jabalpur)
We hereby confirm and undertake to UCO Bank, Jawaharganj, Jabalpur branch that as per the
sanction clause we shall maintain the DSRA equivalent to 3 months principal & interest
(presently Rs. 2.37 Crs) on 31.03.2026.
For Samdariya Builders Singrouli Pvt. Ltd
Director.
Jabalpur
10.10.2024
/REGISTERED AD/
Reminder No. 6
10.10.2024
The Chief Manager,

Credit Department,
Bank of Baroda,
Regional Office,
Jabalpur.
Sub: Request for return/reversal of interest Rs. 54,38,000/- paid to

you under protest on 15.05.2024; demanded for the closure of
our CC OD account.
Ref: Our letters dated
i) 14.05.2024.
ii) 25.06.2024.
iii) O5.07.2024.
iv) 23.07.2024.
v) 16.09.2024
Dear Sir,
We draw your kind attention towards our letters under reference. In all these
letters, we have requested you for the reversal of penal interest charged from us
for Rs. 54,38,000/- while closing our CC OD account with you. It is with much
regret to inform you again that neither you have reversed/returned to us the
interest wrongly charged nor none of our above letters are replied till date.
We also would like to draw your attention towards a news in the daily newspaper
(paper cutting is attached herewith) in which it is published that no bank can
charge any charges or penal charges from their customers while closing any loan
account. In short you have wrongly levied a sum of Rs. 54,38,000/- from us that
you have to return to us.
We therefore, once again approach you with a request to kindly look into the
matter and return us the penal interest wrongly charged from us for Rs.
54,38,000/- at your earliest.
We also request you to send us your reply/confirmation per return.
Thanking you
Yours faithfully
For Samariya Abhushan India Pvt. Ltd
Encl: Copies of our letters under reference & and newspaper cutting.
Copy to:
1. The General Manager

Bank of Baroda :for information & early necessary action, please.
Zonal Office
Bhopal.
2. The Chief Manager,

Bank of Baroda, -do-
Rewa Branch,
Rewa.
07.10.2024
Shri. Gourav Mishra

Relationship Manager
HDFC Bank
Jabalpur.
Sub: Renewal of Term Limit sanctioned to us.

Ref: Your Email communication dated 07.10.2024.
Dear Sir,
We are in receipt of your email communication under reference. In reply to the observations,
we submit as under:
1. We took an overdraft facility for the working capital requirements from Central Bank of
India Jabalpur. We did not take NOC from you because it was working capital OD limit.
2. We have an old Current Account with State Bank of India which we operate for the payment
of salary to the hotel staff/employees. Since the account is connected with PF department,
we cannot close it immediately. We confirm here that all the banking transactions except the
salary payment to staff through SBI and the routine cash purchases and expenses are routed
through HDFC Bank only.
3. The Loans and Advances are short term in nature and we can bring them back in to the
business as and when required.
We hope you will please find the above submission in order and shall renew the account
accordingly.
Thanking you
Yours faithfully
For Samdariya Hotels Pvt. Ltd
03.10.2024
The Chief Manager

Indian Bank
Civil Lines
Jabapur.
Sub: Our proposal for sanction of LAP Rs. 4 Cr.

Ref: Utilisation of proposed LAP.
Dear Sir
With reference to the above we would like to inform you that the proposed LAP will be used in
our two jewellery showrooms, one at Satna and one at Rewa; the funds will be used in these
two show rooms, details of them are:
S.No. Particulars Satna Showroom Rewa Showroom

1 Internal lighting, colouring, painting etc. 85 lacs 80 lacs
2 Replacement of existing furniture 125 lacs 125 lacs
3 Computers & soft wares 25 lacs 25 lacs
4 Other miscellaneous assets 10 lacs 10 lacs
Cost Total estimated cost 485 lacs
Sources 1) LAP from Bank 400 lacs
2) Own funds 85 lacs
We hope, you will please find the above submission in order.
Thanking you.
Yours faithfully,
For Samdariya Abhushan India Pvt. Ltd
Director.
03.10.2024
Shri Gourav Mishra

Relationship Manager
HDFC Bank
Jabalpur.
Sub: Renewal of CC / TL limits.

Ref: Your email communication dated 03.10.024.
Dear Sir
With reference to your communication under reference, we submit as under:
1.We have achieved sales for Rs. 212.07 Cr as against the estimated figures of Rs.233.28 Cr for
the FY 2023-24 i.e we have achieved about 91% of the estimate which is very reasonable and
justified. (Please refer CAM data mailed to you on 09.06.2023).
2. Ours being jewellery trade, we have utilised the CC limit for 98%, is it not satisfactory. We
have asked for TOD for 7-8 days to procure the additional stocks of different designs of
jewellery during the time of festival and marriage seasons; TODs have been paid within the
sanctioned time limit.
3.All the sale proceeds except the cash used for purchase of old jewelleries and barter
transactions are routed through the accounts with HDFC only. We have no other bank
accounts in any other banks.
4. The LAP taken from Allahabad Bank has been used for the payment to the supplier i.e. Rs.
1,48,91,800/ to M/s. Vaibhav Gold, Vijay Nagar & balance used for the return of unsecured
loans taken from Samdariya Builders Pvt. Ltd.
As desired, we enclose the following documents:
1.Projections for the next 2 years, i.e CMA Data is attached.
2.Interfirm ledgers of Samdariya Abhushan India Pvt Ltd, Samdariya Abhsuah Rewa Pvt Ltd,
Samdaeriya Jewellers & Samdariya Abhushan for the FY 2023-24 are enclosed.
3.We are into the jewellery business, every day there are cash sales which we have to deposit
in to our bank account. Cash Ledger summary for the last 12 months is attached herewith.
4. GST returns for July 24 & Aug 24 and sales figures for Sep. 2024 are attached herewith.
5. Ledger account of the promotors/directors i.e Mr. Pawan Samdariya and Mr. Kuber
Samdariya are enclosed herewith for the FY 2023-24.
6. We have only one CA with SBI which was opened for the operation of MGL limit and after
the closure of MGL the operation of the account is very less; if required it shall be closed.
We hope, you will please find the above submission in order and shall renew the CC/TL limits
accordingly.
Thanking you
Yours faithfully
For Samdariya Abhushan Pvt. Td
Encl: as above.
01.10.2024
The Branch Head
HDFC Bank
Vijay Nagar Branch
Jabalpur.
Sub: Penal interest charged and debited to our two accounts i.e
Samdariya Abhushan Pvt. Ltd & Samdriya Abhushan India Pvt. Ltd.
Dear sir,
In continuation to our today’s letter, we attach herewith the excel sheet working showing the
excess interest and the cash handling charges debited and charged from our Cash Credit and
Current account from April 2023 to Sep.2024. We give below, for our immediate reference, the
summary of excess amount levied from us.
S.No Particulars Amount

1 Excess interest from April 23 to Sep. 24 7900673.00
2 Cash handling charges CC No …52800 1390487.00
3 Cash handling charges CA No …48958 190997.00
4. Cash handling charges CA No …29634 18355.00
5. Cash handling charges CA No … 99999 503692.00
6 Total 10004204.00
7 Less Entry reversed 1302035.00
8 Excess amount charged, to be reversed 8702169.00
It is a matter of great concern that a bank is charging every month unnecessary and unwanted
charges to the tune of Rs. 87 lacs from their customer. We are not default in any of the
sanction terms and conditions; moreover, you are not giving the reason and ground on which
you are charging the excess interest from us. Further at the time of take over of our account
from BOB to your branch, Mr Koushik Bhattacharya and Mr. Gourav Mishra has assured us that
no cash handling charges will be taken from us instead they have confirmed and assured that
the branch will pick the cash every day from our corporate office at Hotel Samdariya Inn,
Russe Chowk, Jabalpur. But where are the assurances?
In view of the above facts and circumstances, we once again request you to kindly look into
the matter seriously and reverse the above sum Rs. 87 lacs immediately on receipt of this
letter and also stop to charge additional interest and cash handling charges. If you do not take
immediate action, we will be constrained to switch over the account to other bank, in such
situation you will have to close the account without charging any foreclosure charges.
We hope, you will consider this letter as very serious and most urgent.
Thanking you
Yours faithfully
For Samdariya Abhushan Pvt. Ltd
Director.
Enc: as above.
Copy to: The Credit Head, HDFC Bank, Vijay Nagar, Jabalpur
01.10.2024
The Branch Head
HDFC Bank
Vijay Nagar Branch
Jabalpur.
Dear Sir,
We invite your kind attention towards our letters dated 01.08.2024 and 02.08.2024 and
various other correspondences made to you, requesting every time to reverse the penal
interest charged and debited to our above two accounts continuously since last more than
six months. We have also requested you to stop charging of penal interest every month
without any reason. It is with much regret to inform you again that neither you have
stopped the levy of penal interest nor you have reversed the penal interest debited to our
account since last six months; none of our letters are replied yet or you have not given the
reason why you are charging penal interest from us.
As we have already written to you that jewellery business is of a very less margin of profit
we cannot afford heavy penal charges without any reasons, we have complied with all the
terms and conditions of the sanctions.
In view of the above facts and circumstances we have no other option but to swich over
the accounts to any other bank; we are already in discussions with some banks, agreed to
take over the accounts from you.
Therefore, we request you to kindly confirm us per return mail the amount due from us so
that we can finalise the matter for switch over the accounts from HDFC.
We hope, you will please find the above submission in order and shall the do the needful
as requested above treating the matter as very serious and urgent.
Thanking you
For Samdariya Abhushan Pvt Ltd &
Samdariya Abhushan India Pvt. Ltd
Copy to
The Credit Head
HDFC Bank
Jabalpur.
The Branch Head

HDFC Bank
Vijay Nagar Branch
Jabalpur.
Dear sir,
In continuation to our todays letter,
21.09.2024
The Chief Manager
Bank of Baroda
15 16 Jawahar Marg, Ground Floor
Ida Building,
Siyagangj
Indore (MP).
Sub: Switch over of our Cash Credit limit (WC) for Rs. 51 Cr from HDFC Bank.
Dear Sir,
This has reference to the discussions we had with you on the above subject.
We would like to bring to your kind knowledge that we have banking relationship with
Bank of Baroda for a period of more than 15 years. Our group units are enjoying various
credit facilities from your Wright Town Branch, Jabalpur.
As already discussed, we are interested to switch over our two accounts i.e Samdariya
Abhushan Pvt. Ltd and Samdariya Abhushan India Pvt Ltd; enjoying Cash credit limit for Rs.
51 Cr and 30 Cr respectively from HDFC Bank Jabalpur. We have already submitted you all
the supporting documents and applications on line to process the proposal.
We request you to kindly look into the matter, process our applications, incase if you need
any other documents and or information, please inform us so that the takeover process
can be completed without any delay.
Awaiting to hear from you and thanking you.
Yours faithfully
For Samdariya Abhushan Pvt Ltd &
Samdaria Abhushan India Pvt. Ltd
CONFIRMATION/UNDERTAKING
(for submission to Indian Bank, Main Branch, Civil Lines, Jabalpur)
This is to confirm that the nature of sum Rs. 650 lacs from Samdariya Abhushan Pvt Ltd,
lying credit in the books of account is unsecured loan and can be treated as quasi equity;
will not be withdrawn during the period of loan.
For Samdariya Abhushan India Pvt. Ltd
Director.
Jabalpur
27.09.2024.
25.09.2024
The Chief Manager,

Punjab National Bank,
Siyaganj Branch,
Indore.
Sub: Our RLDA project at Bhopal.

Reg: Request for disbursement our term loan for Rs. 6 Cr
Dear Sir,
We may invite your kind attention towards our RLDA Construction project
at Bhopal. Our construction activities of both government constructions
and development of CLP land are in progress.
RERA registration is not applicable in the case of commercial complex

opted for rental model. CLP land has also been is given to us by RLDA on
long term rental basis. The constructed commercial shops on the CLP land
would be rented out to the lessee/customer on yearly rent basis, therefore
we have already started to receive the booking advance from the
customers. Our construction and development process is going on as per
the project schedule.
Festivals of ‘Vijay Deshmi’ and ‘Diwali’ are fast approaching, almost all the
real estate customers book the commercial/residential units during these
festival ‘muhurta’ time. This time is the best time for us to receive the
booking advances.
Sir, before these festival season starts, we have to further invest a

minimum amount of Rs. 6 to 8 Cr in the above project to attract and
satisfy the customers. We have already spent a sum of Rs…………… in the
project; certificate from the Chartered Accountant certifying the
investment is attached herewith for your kind information and record.
Further, in compliance to the terms and conditions of the sanction, we
have increased the paid-up capital of the company by Rs. 2 Cr.
In view of the above facts and circumstances, we request you to kindly

disburse a sum Rs. 6 Cr immediately so that we can complete the phase
wise task without any hinderance and the customers may start to invest in
the project through booking advances.
…2
In-case if you wish, your good-self can have a visit to the project site to
assess the progress of the construction and development process.
We trust, you please find the above submission in order and disburse the
sum Rs. 6 Cr without any delay.
Thanking you
Yours faithfully
For Samdariya Builders (Bhopal) Pvt. Ltd
Director.
Encl: as above.
Dear Sir,
We would like to inform you that we shall create equitable mortgage on CLP
2A & CLP 2B at Dewas in compliance to the terms and conditions of the
sanction letter. We would also bring to your kind notice that we shall deposit
40% of the sale value of each unit agreed for sale into the loan account
thereby you will issue NOC to us to execute sale deed in favour of the buyer.
At the time of deposit of 40% of the sale value of each unit subject to sale,
the term loan will be reduced to that extent.
23.09.2024
The Chief Manager,
State bank of India,
Govidpura Branch,
Jabalpur.
Sub: Request for disbursement of Loan for payment to the EPC Contrctor.
Dear Sir
We request you to kindly transfer a sum of Rs. 200 lacs by debit to our loan
account No. 42631534386 with you for credit to our escrow account No.
42203532056 thereafter the same amount may please be transferred for credit to
the current account No. 50200083015259 of Samdariya Builders Pvt. Ltd, the EPC
Contractor, with HDFC Bank, Jabalpur, IFSC code HDFC0001282.
Hope, you will please find he above in order.
For Samdariya Builders Datia Pvt. Ltd
Director.
2309.2024
The Chief Manager

Bank of Baroda
Wright Town
Jabalpur.
Sub: Renewal of our CC OD limit for Rs. 15 Cr.
Dear Sir,
This has reference to your WhatsApp communication. We submit as under:
1. We hereby confirm and undertake that there is no overdue statutory liabilities viz
Sales tax, Income tax, Corporation tax, Professional tax etc as on date.
2. That we are routing all the sale proceeds through the accounts we have with BOB
except the transaction made under the Barter system (exchange of new jewelleries
against the old jewelleries) and Cash purchase of old gold/silver ornaments.
3. Copy of the Board resolution regarding the acceptance of terms and condiions the
bank may put in the renewal sanction letter.
We hope, you will please find the above in order and shall renew the CC OD limit for Rs. 15
Cr further for a period of one year.
Thanking you
Yours faithfully
Samdariya Abhushan Rewa Pvt Ltd
Director.
The Branch Head

Axis Bank
Jabalpur.
Sub: Application to change the status of my account from Dormant to Active.

Ref: Account No…..3411.
I request you to kindly change the status of my above account from Dormant to Active to
start operation in the account.
Thanking you
Yours faithfully
Yash Bohra
Account Holder.
Jabalpur
21.09.2024.
My Job Profile
I am a qualified Chartered Accountant (cleared in……).
Worked in KPMG, Mumbai during the period from…………… to …………………… My

responsibility was to scrutinise the Data, involved in making list of keywords to run on
intella as a base before diving into sample review of huge data base which comprised of
number of custodian’s data size to b 500-800 gbs.
At present I am engaged in one of the leading industrial, real estate and trading houses
based at Jabalpur, Madhya Pradesh as finance consultant and advisor to the group
accounts. The group consists of more than 20 private limited companies, 5 partnership
firms, proprietorship and charitable trust. The group turn over is more than 600 Cr. I am
entrusted with all the financial matters viz loan proposals with different nationalised and
private banks/FIs; having a very good contacts with higher authorities of major banks viz
SBI, BOB, PNB, CBI, Canara Bank and HDFC Bank etc for arranging the funds for the group
units.
Further, I look after the accounts of the group units as advisor.

19.09.2024
The Chief Manager

UCO Bank
Jabalpur (MP).
Sub: Request for disbursement of loan Rs. 1 Lac from Home Loan Top up for Rs. 50 lacs.
Dear Sir,
This has reference to the telephonic talk we had with you today.
The undersigned may request you to kindly credit Rs. 1 lac and Rs. 50 lacs to my saving
fund account with you by debit Rs. 1 lac to my home loan and Rs. 50 lacs by Top Up.
Further I request you to transfer Rs. 50 lacs to Kotak Mahindra Bank, particulars of the
account are given below:
1. Name of the Bank: Kotak Mahindra Bank
2. Branch and address: Satpal Chambers, Near Dhand Compound,
Civil Lines, Raipur.
3. IFSC code: KKBK0000132.
4. Account No.: 2013839790.
5. Name of Account Holder: Sweta Rupal Bagrecha.
I Hope, you will please find the above in order and shall do the needful at your earliest.
Thanking you
Yours faithfully
Sweta Rupal Bagrecha

Prop. Sweta Creations
DECLARATION
We hereby declare and confirm that Under Section 44AD of the Income Tax Act, those
assessee who opt this section for filing of Income Tax return does not need to get the
account audited under the IT Act. Our books of accounts for FY 2022-23 are audited and the
balance sheet and profit and loss accounts are signed and certified by the auditor but no
3CD and 3CB reports as these are not required under section 44 AD.
For Samdariya Builders Green City
Partner.
Jabalpur
Dt. 10.09.2024

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01.12.

The Branch Head

Sub: Our requests for the reversal of penal charges/interests.

We draw your kind attention towards our letter dated 30.11.2024,

It is matter of great concern that instead of the reversal of penal

The Branch Head

Sub: Our requests for the reversal of charges.

In addition to the above, you have, on 15 th Nov. again charged penal

Awaiting to hear from you and thanking you.

The Branch Head,

Sub: Renewal of Cash Credit facility.

This has reference to your WhatsApp communication to us. The desired

1. Letter requesting for the renewal/review of Cash Credit facility.

The Branch Head,

Sub: Renewal of Term Loan facility.

This has reference to your WhatsApp communication to us. The desired

1. Letter requesting for the renewal/review of Term Loan facility.

The Branch Head,

Sub: Renewal of Term Loan facility.

This has reference to your WhatsApp communication to us. The desired

1. Letter requesting for the renewal/review of Term Loan facility.

The Branch Head,

Sub: Renewal of Term Loan & Cash Credit facilities.

This has reference to your WhatsApp communication to us. The desired

1. Letter requesting for the renewal/review of Term Loan & Cash

The Chief Manager

Sub: Confirmation for extension of Equitable mortgage.

We hereby confirm and undertake to Central Bank of India, Napier

The Chief Manager

Sub: Confirmation for extension of Equitable mortgage.

We hereby confirm and undertake to Central Bank of India, Napier

Name of the Facility Sanctioned Outstanding Status

Canara Bank Term Loan 900.00 800.00 -do-

Central Bank Overdraft 300.00 302.55 -do-

HDFC Bank Term Loan 2900.00 2798.00 -do-

Mahindra Finance Equipmen 25.00 18.91 -do-

HDFC Equipmen 23.00 -do-

The Asst General Manager,

The Divisional Manager

Sub: Our Cash Credit limit for Rs. 10 Cr.

This has reference to the discussions and we hereby confirm as under:

The Chief Manager,

Sub: Disbursement of Term loan by debit to our TL account No.

We request you to kindly disburse a sum of Rs. 1 Cr by debit to our TL

Name of the account holder: Samdariya Builders Pvt. Ltd

We hope you will please do the needful as requested above.

The Chief Manager

Sub: Our Term loan limit – request for disbursement.

This has reference to our discussions.

We request you to kindly disburse a sum of Rs. 1 Cr by credit to

Hoping to be accommodated as requested above and thanking

The Chief Manager,

Thanking you and assuring of our best c-operation at all times.

The Chief Manager,

Thanking you and assuring of our best c-operation at all times.

The Chief Manager,

Point No. 5. Please refer reply given in point No. 1.

Thanking you and assuring of our best c-operation at all times.

Name of the Facility Sanctioned Outstanding Status

Canara Bank Term Loan 900.00 800.00 -do-