State Bank Of India [SBI] — subject : for considering submitted legal & valuation report valid for top-up of housing loan.

Address:

Barnala, Punjab, 148101

Respected Sir,
In reference to the subject stated above I, Harinder Kumar S/O Harbans lal have borrowed Housing loan from SBI Branch Barnala (Branch Code 006341, IFSC SBIN 0006341) amounting to Rs 5 Lakh since October 2013. Amount of Rs 3.50 Lakh is still outstanding . I wish to have a Top-up loan of Rs 4 Lakh for renovation work of my house.
On consulting the authorities only four documents ; Last three Months salary slip from DDO, Last two years Form No. 16, copy of Pan Card & Adhar Card were demanded. But as I proceeded bank authorities asked me to submit the legal & valuation report which I already have submitted with the application of my first Housing loan. Original registry of my house is also pledged with the concerned Bank branch.
As you are aware that legal & valuation report cost approx Rs 10, 000 (Ten Thousand )every time. It is undue & harassing from customer's point of view to prepare it.
So I request you to consider my earlier submitted report which values way more than the cost of loan.
Dated: May 09, 2018 With regars
Harinder Kumar
Loan Account No[protected]
SB A/C No[protected]
Address H. No. B-XI/2774, Mittal Street
M.C. Road, Barnala (Punjab) 148101
Contact No.[protected],[protected]
Mail ID [protected]@gmail.com