Indian Overseas Bank Advances Department Regional Office, 10 Ashok Marg, Hazratganj, Lucknow

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1 Indian Overseas Bank Advances Department Regional Office, 10 Ashok Marg, Hazratganj, Lucknow INTRODUCTION: Indian Overseas Bank, Lucknow Region intends to empanel Jewel Appraisers and invites Applications from Jewel Appraisers from Goldsmith family having 5-10 years of experience in assaying the weight, value and fineness of Gold in the ornaments studded with or without stones. Indian Overseas Bank, a Nationalised Bank, with its branches spread across the country is into Banking Business which includes extending Jewel loans to its customers against pledge of Gold Ornaments. Empanelled Appraisers herein after termed as Appraiser will be allotted to various branches in Lucknow Region consisting of eighteen Districts of Uttar Pradesh namely Lucknow, Agra, Faizabad, Unnao, Bahraich, Barabanki, Rae Bareli, Kanpur Nagar, Jhansi, Etah, Etawah, Farrukhabad, Fatehpur, Firozabad, Kanpur, Hathras, Kheri and Sitapur for appraising Jewels to be pledged by customers. Applications are invited from eligible candidates for being appointed as Jewel Appraisers at our following branches: AGRA DISTRICT: Agra - Main Dayal Bagh, Agra Fatehabad Road Kamala Nagar (Nee Hathras Rd) Kiraoli R.B.S.College, Agra. Rohta Sikandra Bodla Road, Agra BAHRAICH DISTRICT Bahraich BARABANKI DISTRICT Barabanki DEWA ETAH DISTRICT Etah ETAWAH DISTRICT Etawah FAIZABAD DISTRICT Faizabad FARRUKHABAD DISTRICT Farrukhabad FATEHPUR DISTRICT Fatehpur (U.P) FIROZABAD DISTRICT

2 Firozabad Shikohabad RFP/IOB/ADV/ 01/ dated for selection of Jewel Appraisers JHANSI DISTRICT Cantonment Board, Jhansi Jhansi KANPUR DISTRICT Burra, Kanpur Lal Bangla, Kanpur Mall Road, Kanpur. Sarvodaya Nagar, Kanpur.1 Swaroop Nagar-Kanpur. LAKHIMPUR DISTRICT. Lakhimpur LUCKNOW DISTRICT Aashiana, Lucknow Aliganj (Splzd Personal Bnkg) Aminabad-Lucknow Chinhat Daliganj, Lucknow Golaganj Goldarwaza Chowk, Lucknow Gomti Nagar Gomti Nagar Phase II, Lucknow Gosainganj Indira Nagar, Lucknow Kursi Road, Lucknow Lucknow Lucknow-Telibagh Mahanagar, Lucknow Moti Nagar Munshipulia, Indira Nagar, Lucknow Rajajipuram Raj Bhavan Sitapur Road Vibhuti Khand, Lucknow HATHRAS DISTRICT Hathras RAE BAREILLY DISTRICT. Lalganj Rae Bareilly SITAPUR DISTRICT Sitapur UNNAO DISTRICT Unnao The selection of Appraiser will be based on all specific terms and conditions, Page 2 of 15

3 general terms and other conditions mentioned in RFP (copy attached). Specific terms and conditions, general terms and conditions relating to this RFP for empanelment of Jewel Appraisers are furnished hereunder. 1. PROJECT SPECIFIC TERMS & CONDITIONS: 1.1: SCHEDULE OF APPLYING PROCESS: S.No Description of Information / Information / Requirement Requirement 1 Reference Number RFP/IOB/ADV/01 / Date of Issue of RFP 20/09/ Application Submission Mode. Sealed covers containing self attested copies of documents and bio-data in prescribed application format are to be submitted to 4 Last Date and Time for submission of application along with supporting documents. 5 Date, time and venue for opening the application 6 Name of contact officials for any enquiries. 7 Address for Communication / Submission of application The Chief Manager (ADV), Indian Overseas Bank, Regional Office, Hazratganj, Lucknow INDIAN OVERSESA BANK, REGIONAL OFFICE, III FLOOR, NAVCHETNA KENDRA, 10ASHOK MARG, HAZRATGANJ, LUCKNOW on MS. ARTI DHASMANA Chief Manager. INDIAN OVERSESA BANK, REGIONAL OFFICE, III FLOOR, NAVCHETNA KENDRA, 10ASHOK MARG, HAZRATGANJ, LUCKNOW APPLICANT'S QUALIFICATION CRITERIA: a) The applicants should be from Goldsmith family having 5-10 years of experience in assaying the weight, value and fineness of Gold in the ornaments studded with or without stones. (community Certificate to be enclosed) b) The applicant should have preferably undergone necessary training for assaying jewellery from any recognized organization and if so, copy of the certificate should be enclosed with the application. c) The applicant should be known locally for their work and should have good track record. Applicants should produce at least TWO Testimonials from respectable persons preferably known to the Bank in support of their family background, character, conduct and experience as per Annexure A provided in this RFP. Page 3 of 15

4 d) The applicant should not be a Minor and the Maximum age of the applicant should not exceed 55 years of Age. Relevant Age Proof in the form of Birth certificate issued by Department of Births & Death / SSC certificate/aadhaar Card/PAN card /Driving License to be enclosed. e) The applicant is not allowed to appraise Jewels for Other Schedule Banks and should give a self declaration to the effect as per Annexure-B. The applicant appraising Jewels for other Rural & Semi-urban branches of Indian Overseas Bank cannot apply. f) The applicant should be willing to serve and be present at the allotted branch during office hours for assaying of Jewel ornaments. He should have the experience in assaying the weight, value and fineness of Gold in the ornaments studded with or without stones and should certify the gold ornaments to be financed by the bank. The applicant should provide a self declaration for having the said condition in Annexure- C. g) The applicant finally selected by the bank and engaged by the bank for assaying of Jewels will be purely on piece work basis and cannot claim employment in the Bank. A self declaration to the effect is to be provided as per Annexure-D by the applicants. 1.3 SELECTION PROCESS AND SCOPE OF WORK 1.3.1: Selection Process: a) The candidate will be called for an interview and after verification of his/her antecedents / original documents. b) An interview will be conducted by Bank s panel, to judge the candidates acceptance by the bank and if found successful, he /she will be empanelled by the Bank for providing Jewel Appraiser services. Applicants who are empanelled will be allotted one Branch for assaying the Gold Jewels to be pledged by the customers. c) Bank reserves the right to shift the appraiser from one branch to another. At times the appraiser may be required to assay jewels of more than one branch customers as per the requirement of the bank and appraiser shall not resist from such requirements of the bank. d) Separate engagement letters will be sent directly to selected applicants. The applicants are required to sign a duplicate copy of the engagement letter and submit the same to the bank/branch concerned within 7 days of receipt of the same in having accepted the terms and conditions of the engagement letter and terms stated in this RFP : Scope of Work: e) The applicant will be allotted to one of the branches that require the services of the Jewel Appraiser from amongst the branches listed herein above. If the appraiser is not willing to appraise the jewels of the branch to which he/she is allotted, then the empanelment request of the applicant will be summarily rejected and the caution money (Rs ) forfeited. f) The applicant is required to be present in the Branch premises during working hours or Page 4 of 15

5 at times directed by the branch management and do all such work connected with Jewel Assaying and certification of genuineness and grading of the fineness of the Jewels to be pledged by the customers. g) Appraiser is engaged principally for doing the work which is ordinarily or customarily done by Jewel Appraiser or upon the understanding that he is or may be engaged of his own business or trade, provided that he shall be bound to attend to hours as may from time to time be fixed or determined by the Bank and notified to him orally or in writing and during such times or hours he shall devote all his attention to the work of the Bank alone provided further that the Bank will not engage the Appraiser after the business hours of the Bank. h) Appraiser shall faithfully and diligently do or perform the work or duties from time to time assigned to him at the allotted Branch and or at such other Branch or office of the Bank as may be mutually agreed upon between the appraiser and the Bank and shall in all respect, faithfully and diligently observe and obey all regulations, circulars, rules orders, directions or Instructions in force in the Bank or from time to time issued by the Bank or by any person or persons placed in authority over him in time to time assigned or entrusted to him. In relation to his work as Jewel Appraiser, he may be required and shall be bound to follow such procedure and to complete or fill such forms or declarations as may from time to time be prescribed by the Bank Responsibility of the Appraiser: a) Appraiser shall be responsible for certifying the weight, value and fineness of Gold in the ornaments studded with or without stones, and the genuineness of all gold jewellery assessed by him/her, which may be accepted by the Bank for pledge, on the basis of his appraisal and hence shall be liable to make good on demand any loss which the Bank may sustain in consequence of the erroneous or defective appraisal of the pledged articles. b) Appraiser shall be liable to make good to the Bank any loss or damage which shall or may be caused to the Bank in consequence of any mistake, default, omission, neglect or misconduct made or committed by him in the performance of his duties. 1.4: OTHER TERMS AND CONDITIONS: Confidentiality clause: Appraiser shall be bound to observe strict secrecy with regard to all affairs of the Bank, all dealings and transactions of the Bank with other Banks or with its customers or others on all matters pertaining thereto. Appraiser shall not either before or after his termination, divulge or disclose any secret or confidential information entrusted to him or arising or coming to his knowledge in the course of his work or duties or otherwise in or relating to the business of the Bank or of the customers or others having business of dealings with the Bank : Security Deposit: Selected candidates has to deposit Rs.25000/- as Security Deposit, which will be Page 5 of 15

6 retained by Bank till his services are terminated. Bank will mark lien on this security deposit and no loan against the same will be eligible. This Security Deposit duly discharged by the Appraiser will be kept in Bank s safe custody : COMMISSION: a) Appraiser shall not be paid any wages and shall be paid commission for assaying of Jewels on per loan amount basis, as per Bank s approved service charges rate and the same shall be credited directly to the appraiser s account with the branch concerned, on a daily basis. No other allowances would be paid. The appraiser shall thus be paid for the assaying services on per Loan amount basis and the appraiser shall at no point of time claim any employment / wages. Details of service charges payable currently is as per Annexure- E 1.4.4: ACCEPTANCE OF ALLOTMENT: Separate engagement letters will be sent directly to selected applicants. The applicants are required to sign a duplicate copy of the engagement letter and submit the same to the bank/branch concerned within 7 days of receipt of the same in having accepted the terms and conditions of the engagement letter and terms stated in this RFP : Termination of Engagement Order: a) The Engagement order shall be reviewed annually or at periodicities required by the bank, and shall remain in force till the services of the Appraiser are terminated by the bank. Bank reserves the right to cancel the engagement order by giving one month s notice in writing. However Provided always that if the Appraiser shall be guilty of negligence or gross carelessness in the performance of his duties or of fraud, dishonesty or gross misconduct or if there shall be a breach of trust with the Bank, it shall be lawful for the Bank to put an end to his services forthwith by giving him a written notice of its intention to determine it forthwith, whose decision shall be final and binding on the Appraiser. b) The appraiser can also express his/her unwillingness to continue with the engagement and in such case he/she needs to serve a three month Notice to the bank for its acceptance, before which the engagement can be terminated. 1.5 AMENDMENTS TO RFP TERMS AND CONDITIONS: Banks reserves its right to issue any amendments to the terms and conditions, at any time prior to the deadline for opening of the applications. Such amendments to RFP shall be webcasted through Bank s official website. 1.6 BANK S RIGHT TO ACCEPT OR REJECT ANY OR ALL APPLICATIONS: Notwithstanding anything contained in any of the clauses, Bank hereby reserves its right to accept or reject any or all applications. *********** Page 6 of 15

7 APPLICATION FOR SELECTION AS JEWEL APPRAISER IN INDIAN OVERSEAS BANK LUCKNOW REGION 1. Name of applicant: 2. Name of father : 3. Community: 3. Full address of applicant : Passport size photo of applicant to be pasted and self attested 4. Age :... Years 5. Date of Birth: Past experience in the line : Years since: 7. Qualification for Assaying jewellery : Training passed / not passed. From which organization: (If passed, copy of certificate to be enclosed) 8. References: 1. Mr/Mrs... (Full address) 2. Mr/Mrs... (Full address) (Self attested Copy of Aadhaar Card / Election ID / Driving Licence /any other recognized document as per clause 1.2.(d) for proof of age and address with photo to be enclosed) (Self attested Copy of Community Certificate to be enclosed) Date : Place: Signature of candidate. Page 7 of 15

8 ANNEXURE A TESTIMONIAL ( 1 ) CERTIFICATE This is to certify that Mr..., (address)... is personally known to me for the past... years. a) He/she hails from a goldsmith family and experienced in assaying the weight, value and fineness of gold ornaments studded with or without stones. b) He has a good, satisfactory track record skill-set of goldsmith works. c) He has good experience in the line of activity for past... years. d) His character is good and he is honest in his dealings /works with Public. e) His conduct is good. Name : Address: (Signature) (Account with IOB,...Branch) A/c No: Place: Date : Page 8 of 15

9 ANNEXURE A TESTIMONIAL ( 2 ) CERTIFICATE This is to certify that Mr..., (address)... is personally known to me for the past... years. a) He/she hails from a goldsmith family and experienced in assaying the weight, value and fineness of gold ornaments studded with or without stones. b) He has a good, satisfactory track record skill-set of goldsmith works. c) He has good experience in the line of activity for past... years. d) His character is good and he is honest in his dealings/works with Public. e) His conduct is good. Name : Address: (Signature) (Account with IOB,...Branch) A/c No: Place: Date : Page 9 of 15

10 ANNEXURE B SELF DECLARATION I hereby declare that I am not doing / engaged in jewel appraisal works for any other Schedule Bank or any Rural or Semi Urban branches of Indian Overseas Bank. Name : Address: (Signature) Place: Date: Page 10 of 15

11 ANNEXURE C SELF DECLARATION I hereby declare that I am willing to serve and be present at the allotted branch of Indian Overseas Bank during office hours for assaying of jewel ornaments and I have the experience in assaying the weight, value and fineness of gold in the ornaments studded with or without stones and shall certify the gold ornaments to be financed by the Bank. Name : Address: (Signature) Place: Date: Page 11 of 15

12 ANNEXURE D SELF DECLARATION I hereby declare that, if I am selected and engaged by the Bank for assaying the jewels, I agree and am aware that the work will be purely on piece work basis and I cannot and will not claim employment in the Bank. Name : Address: (Signature) Place: Date: Page 12 of 15

13 ANNEXURE E (Commission Payable to the appraiser for the appraisal of jewels Pledged with the Bank is as per Bank s Policy. Bank reserves the Right to change the Commission amount payable to Jewel Appraisers.) Presently the Charges payable to Appraisers are: Rs 3.00 / loan amount of Rs 1000/= with a maximum of Rs 300/= per loan ANNEXURE F LIST OF BRANCHES WITH GOLD LOAN EXPOSURE: SN BRANCHES Gold Loan Exposure Less than 1 Crore AGRA DISTRICT: 1 Agra - Main YES 2 Dayal Bagh, Agra YES 3 Fatehabad Road YES 4 Kamala Nagar (Nee Hathras Rd) YES 5 Kiraoli YES 6 R.B.S.College, Agra. YES 7 Rohta YES 8 Sikandra Bodla Road, Agra YES BAHRAICH DISTRICT 9 Bahraich YES BALRAMPUR DISTRICT 10 Balrampur YES BARABANKI DISTRICT 11 Barabanki YES 12 DEWA YES ETAH DISTRICT 13 Etah YES ETAWAH DISTRICT 14 Etawah YES FAIZABAD DISTRICT 15 Faizabad FARRUKHABAD DISTRICT 16 Farrukhabad YES FATEHPUR DISTRICT 17 Fatehpur (U.P) YES FIROZABAD DISTRICT 18 Firozabad YES Page 13 of 15

14 19 Shikohabad YES JHANSI DISTRICT 20 Cantonment Board, Jhansi YES 21 Jhansi YES KANPUR DISTRICT 22 Burra, Kanpur YES 23 Lal Bangla, Kanpur YES 24 Mall Road, Kanpur. YES 25 Sarvodaya Nagar, Kanpur.1 YES 26 Swaroop Nagar-Kanpur. YES LAKHIMPUR DISTRICT. 27 Lakhimpur YES LUCKNOW DISTRICT 28 Aashiana, Lucknow YES 29 Aliganj (Splzd Personal Bnkg) YES 30 Aminabad-Lucknow YES 31 Chinhat YES 32 Daliganj, Lucknow YES 33 Golaganj YES 34 Goldarwaza Chowk, Lucknow YES 35 Gomti Nagar YES 36 Gomti Nagar Phase II, Lucknow YES 37 Gosainganj YES 38 Indira Nagar, Lucknow YES 39 Kursi Road, Lucknow YES 40 Lucknow YES 41 Lucknow-Telibagh YES 42 Mahanagar, Lucknow YES 43 Moti Nagar YES 44 Munshipulia, Indira Nagar, Lucknow YES 45 RAJAJIPURAM YES 46 Raj Bhavan YES 47 Sitapur Road YES 48 Vibhuti Khand, Lucknow YES HATHRAS DISTRICT 49 Hathras YES RAE BAREILLY DISTRICT. 50 Lalganj YES 51 Rae Bareilly YES SITAPUR DISTRICT 52 Sitapur YES UNNAO DISTRICT 53 Unnao YES Page 14 of 15

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