Er. Khazir Mohd Khandey (B.E.

Civil)
Approved Valuer (Immovable Property)

Fellow Institution of Valuers India. (F-27499) J & K Bank Reg. No.: 270/19
Chartered Engineer (India) Member Institution of Engineers. (M-1517230)
CBDT Reg. ([Link]/ASR/ITO(HQ-1)/34AB/16/2018-19/4833)
Head Office : H. No. A2/24, Doctor’s Lane Branch Office: Khanday Shopping Complex,
Iqbal Colony, Zainakote Srinagar 190012 Near Apna Bazar Sopore, Baramulla
Mobile No. 7006893765, 9797038351, 9419069678 Email: kmkhanday06@[Link]

[Link]: Val/Sgr-194/AZ/2025
Subject Summary of Valuation Report of immovable property .

Branch Unit J&K Bank Ltd: SONIUM.

1 Inspection date of Property 30 June 2025

2 Name of the firm

3 Owner of the property Mr. Khursheed Ahmad Ganaie S/o: Mr. Abdul Jabbad Ganaie
R/o: Shrai Tehsil Tamgmarg & District Baramulla.

4 Location of the property Shrai Tehsil Tamgmarg & District Baramulla.

5 General Description of property Land With Residential Building.

6 Cost of Land

a) Land 5 Maralas of land Falling under

Area of the land
Plot No. Khewat No Khatta No Khasra No.
K M
1 13 34 273 0 5.0
Total Land 0 5.0
Situated in Mouza Shrai Tehsil Tamgmarg & District Baramulla.

i. Shape Rectangular

ii. Area 1360.00 Sft

7 Documents produced as proof of Ownership Legal Opinion from the BANK

Cost of land Rs. 7,50,000.00

Cost of structure/Compound Rs. 27,38,089.20
Total Value of the property Rs. 34,88,089.20
Distress Value 10% Rs. 3,48,808.92
Realizable value of the Property Rs. 31,39,280.28
Forcible Value of the property Rs. 29,64,875.82

Say 29.64 Lacs

Twenty Nine Lakh and Sixty Four Thousand Only

Your's Sincerely
Er. K. M. Khanday

Page 1 of 1
 Er. Khazir Mohd Khandey ([Link])
Approved Valuer (Immovable Property)
Fellow Institution of Valuers India. (F-27499) J & K Bank Reg. No.: 270/19
Chartered Engineer (India) Member Institution of Engineers. (M-1517230)
CBDT Reg. ([Link]/ASR/ITO(HQ-1)/34AB/16/2018-19/4833)
Head Office : H. No. A2/24, Doctor’s Lane Branch Office: Khanday Shopping Complex,
Iqbal Colony, Zainakote Srinagar 190012 Near Apna Bazar Sopore, Baramulla
Mobile No. 7006893765, 9797038351, 9419069678 Email: kmkhanday06@[Link]

[Link]: Val/Sgr-194/AZ/2025
Subject Valuation Report of immovable property for Assessment of cost of construction

Branch Unit J&K Bank Ltd: SONIUM.

1 Name of the firm

2 Owner of the property Mr. Khursheed Ahmad Ganaie S/o: Mr. Abdul Jabbad Ganaie
R/o: Shrai Tehsil Tamgmarg & District Baramulla.

3 Location of the property Shrai Tehsil Tamgmarg & District Baramulla.

4 General Description of property Land With Residential Building.

5 Cost of Land

a) Land 5 Maralas of land Falling under

Area of the land
Plot No. Khewat No Khatta No Khasra No.
K M
1 13 34 273 0 5.0
Total Land 0 5.0
Situated in Mouza Shrai Tehsil Tamgmarg & District Baramulla.

i. Shape Rectangular

ii. Area 1360.00 Sft

b) Conditions Good

c) Accessibility Accessible (Proper Ingress & Egress)

i. Zonic laws Outside Municipal Limits

ii. Percentage of built up area 83.8%

iii. Is land fully developed Yes

iv. Lease or Freehold ? Free Hold

v. Unit value of land (Give detailed justifi- 155.70 Per Sft

cation for the figures adopted). Value of land as per Revenue Rates/ Circle Rates
in Said Area
Rs 2,11,750.00

vi. Unit value of land (Give detailed justifi- 551.47 Per Sft
cation for the figures adopted). Value of land considered as per site, location, and
present market rates.
Total Value of Land Rs 7,50,000.00

Page 1 of 4
Vii. Land of
East Side
West Side
North Side
South Side

6 Cost of building

a) Type of building Residential Building

b) Type of construction (Brick, Stone or Composite Construction

Concrete)

c) Number of storeyed, storey-height, Double Storeyed Structure.

height of basement, if any

d) Detailed specifications of basic exterior

construction

i. Foundation R.S Masonary

ii. Plinth R.S Masonary in cement Mortar
iii. Super structure First class brick Masonary in Cement mortar.
iv. Doors and windows Fully Panelled doors and Glazed windows.

v. Finish
vi. Roofing, Terracing etc., C.G.I Sheets overe timber truss
vii. Architectural features, if any.

e) Detailed specifications of interior basic

construction
i. Basement

ii. Interior load bearing walls and partitions 14" / 9"

iii. Flooring, skirting and dadoos at levels PCC

of basement, plinth and various floors.

iv. Interior Finish Cement Plaster

v. Special items like marble work, grills,

wooden paneling, Khatamband,
Tile work etc.

f) Electrical Installation

i. Type of wiring Concealed Conduit Type.

ii. Details of fixtures

Lighting points

Heating points
To be undertaken
Fans / Exhaust Points

Switch board

g) Plumbing
Cost of bathrooms with fixtures
and change rooms

Page 2 of 4
h) Equipment and accessory schedule with
necessary details.
i. Built-in-wardrobes

ii. Almirahs
To be undertaken
iii. Kitchen Cabinet/ Shelves

i. Plinth Area 1139 Sft

j) General Narrative description covering Nil
remaining points, if any.

k) Year of construction and proof thereof 2023 - 2024

l) Residual life of the building 59 Years

l. Condition (Excellent, good, normal,bad)

i. Exterior : Good
ii. Interior : Good

m) Are repairs and/or reconstruction necessa ry?

What are they? What is the probable Cost ? Yes

n Plinth area rates and costs. (Give justify-

cation for the rate adopted) : Rs. 2,157.74 Per sft. Rs. 24,57,665.86

q) Depreciation rate allowed (Give justifica-

tion for the rates adopted) 1%

q) Depreciation costs

i. Buildings 1% Rs. 24,576.66

ii. Elec. Installation 1% Rs. -

iii. Plumbing 1% Rs. -

iv. Equipment & acc. 1% Rs. -

Total Rs. 24,576.66

r) Net cost of the building Rs. 24,33,089.20

s) Add cost (less depreciation) of other

ancillary structures

i. C. Walling/Fencing Rs. 50,000.00

ii. Approach roads and other pavements Rs. 45,000.00

iii. Land Development Rs. 10,000.00

iv Hammam Rs. 1,50,000.00

v. Main Entrance Rs. 30,000.00

vii. External service connections Rs. 10,000.00

viii Electrical and water supply. Rs. 10,000.00

Total Rs. 3,05,000.00

7 Total cost of Building Rs. 27,38,089.20

Page 3 of 4
Total market value of land and Building Rs. 34,88,089.20

Distress Value 10% 10% Rs. 3,48,808.92

Realizable value of the property Rs. 31,39,280.28

`
Forcible value of property Rs. 29,64,875.82

Dated: 30/06/2025

As a result of above valuation/assessment it is our considered opinion that the cost of acquisition and/or construction of the property
assessed above at Rs.29.64 Lacs is fair and reasonable.

Signature of the Valuer

owner of the property.

NOTE : The above property has been inspected by me and to the best of my knowledge the valuation as indicated above appears
reasonable.

( )

Manager

Page 4 of 4
 Er. Khazir Mohd Khandey ([Link])
Approved Valuer (Immovable Property)

Fellow Institution of Valuers India. (F-27499) J & K Bank Reg. No.: 270/19
Chartered Engineer (India) Member Institution of Engineers. (M-1517230)
CBDT Reg. ([Link]/ASR/ITO(HQ-1)/34AB/16/2018-19/4833)
Head Office : H. No. A2/24, Doctor’s Lane Branch Office: Khanday Shopping Complex,
Iqbal Colony, Zainakote Srinagar 190012 Near Apna Bazar Sopore, Bara
Mobile No. 7006893765, 9797038351, 9419069678 Email: kmkhanday06@[Link]

[Link]: Est/Sgr-790/AZ/2025
Detailed Estimate for the proposed Repairing/Renovation of the Double storeyed
Residential House Belonging to Mr. Khursheed Ahmad Ganaie S/o: Mr. Abdul Jabbad Ganaie
At : Shrai Tehsil Tamgmarg & District Baramulla.
[Link]. Description Qty Unit Rate Per Amount

1 Providing and fixing wooden shutters of 304.065 Sft _

second class kail wood 35 mm thick. 28.29 SM 1900.6 SM Rs. 53,758.69

2 Providing and fixing 40 mm thick wire guaze

shutters of second class kail wood 85 G (wire
dia 0.56 mm,aperture size 0.84 mm) wire guaze 304.065 Sft _
complete but excluding cost of hinges. 28.29 SM 2555.3 SM Rs. 72,276.96

3 Providing and fixing wooden joists,beams & 37.67 Cft _

wall plates in ist class budloo wood. 1.07 CM 43080 CM Rs. 45,973.80

4 Providing, hoisting and fixing trusses/

purlines/rafters / posts /post plates etcof first 72.01 Cft _
class budloo wood. 2.04 CM 43080 CM Rs. 87,876.85

5 Providing CGI roofing comprising 0.63 mm

thick class -III CGI sheets and fixed to the 819.516 Sft _
supporting Wooden structure. 76.23 SM 830.25 SM Rs. 63,293.32

6 Providing and fixing cappings to ridges/hips of

0.80 mm thick, class-III G.I sheets bent to shape
overall caping width 600mm, including cost of 25.42 Rft _
fixing accessories. 7.75 RM 295 RM Rs. 2,286.25

7 Providing and fixing wooden eavesboarding 233.43 Sft _

of iind class budloo wood 300X400 Nominal Size 21.71 SM 295 SM Rs. 6,405.75
8 20 mm thick plaster in 1 : 3 mix cement in two
coats backing coat 15 mm, finishing coat 5 9883.62 Sft _
mm on interior wall surfaces. 919.41 SM 150 SM Rs. 1,37,910.98

9 Providing 50 mm thick concrete flooring in

M-15 ([Link]) mix ([Link] of aggregate 20
mm nominal)concrete, finishing with floating 2643.84 Sft _
coat of neat cement. 245.94 SM 445 SM Rs. 1,09,442.68

6 Providing and applying of plaster of paris putty 4697.77 Sft _

of 3mm thick over plastered surfaces. 437.00 SM 240.85 SM Rs. 1,05,251.90

7 Providing and applying of primer and emulsion 4697.77 Sft _

on the walls. 437.00 SM 370.35 SM Rs. 1,61,843.64

8 Providing and fixing of ceramic Floor tiles in 114.24 Sft _

Bathrooms 10.63 SM 193.65 SM Rs. 2,057.91

9 Providing and fixing of ceramic Wall tiles in 508.98 Sft _

Bathrooms 47.35 SM 210.35 SM Rs. 9,959.44

10 ProvisionTowards completion of bathrooms

Including with flushing cistern wash basin 5 No 80000 No Rs. 4,00,000.00
and water supply & disposal system complete

11 Providing and fixing of wardrobes/ Almirahs of

first class walnut wood fully designed.
Wardrobes 5 No 50000 No. Rs. 2,50,000.00
Almirah 5 No 35000 No. Rs. 1,75,000.00

12 Providind and fixing of panelling including

frame work in said rooms using first class
Budloo wood along with Labour charges 2035.104 Sft
complete job. 189.312 SM 2660 SM Rs. 5,03,569.92

13 Providing and applying of spirit Polish two

or more coats on newly pannelled work
including a coat of wood filler. 189.312 Sm 186 SM Rs. 35,212.03

14 Providing and fixing of khatambandi 881.28 Sft

 Ceilling 81.97953 SM 1355 SM Rs. 1,11,082.27

15 Providing & Fixing of Marble work 25 mm

Thick in 1:3 cement mortar including
grinding with white cement finish 832.32 Sft _
a complete Job. 77.42512 SM 2760 SM Rs. 2,13,693.32

16 Provision towards the completetion of modular

Kitchen along with all accessories complete job. 1 No 280000 No Rs. 2,80,000.00

17 Provision for Central Heating including Boiler 1 No. 525000 No. Rs. 5,25,000.00
Piping and Radiators complete Job.

18 Provision for the electrification

Lighting points 67 No 1100 No. Rs. 73,700.00
Heating points 33 No 1500 No. Rs. 49,500.00
Fan & Other equipments 5 No 3200 No. Rs. 16,000.00
Main Switch board 1 No 15000 No. Rs. 15,000.00

19 Other misc. anc contingencies 100000 L/S Rs. 1,00,000.00

Total Rs. 36,06,095.71

Date:30/06/2025
Er Khazir Mohd Khandey