Promotion Test Booklet 17june12 Final

Study Material
Promotion Test 2012

~:Based On:~

Internal Circulars of Bank
Bank's Policies
Bank's IT & Other Products / Finacle
Financial Awareness

Udated Till ! "#/"$/%"#%

C&'T(A) *O'& CO++ITT&& ! AIOBOA
B,OPA)

CENTRAL ZONE COMMITTEE
ALL INDIA ORIENTAL BANK OFFICERS' ASSOCIATION
(AFFILIATED TO AIBOA)
C/O REGIONAL OFFICE, BHOPAL
PHONE : 0755-2575331
----------------------------------------------------------------------------------
Bhopal/2012/ 07-06-2012

Dear Comrades,

Banks promotion process is going to start and Examination is knocking at the door
!he ne" aspirants are preparing hard to come o#t s#ccess$#l Central %one
Committee is a"are a&o#t the heart thro&&ing preparation o$ the candidates' hence
"ish to assist them in their preparation thro#gh this &ooklet containing n#mero#s
possi&le (#estions $or the ens#ing )romotion !est !his &ooklet is prepared in
accordance "ith the changed pattern o$ examination encompassing *eneral &anking,
+!, ,ario#s existing and latest prod#cts o$ Bank, latest amendment/changes made
a,aila&le thro#gh circ#lars relating to ad,ances, reco,er- and other prod#cts !he
personal e$$orts o$ experts &- incorporating (#estions and ans"ers collected $rom
,ario#s so#rces, enrich the &ooklet, "hile ma- go a long "a- in &rining s#ccess to the
candidates

.e hope &- going thro#gh the &ooklet, "hich is prepared scienti$icall-, methodicall-
and excl#si,el- &ased on internal circ#lars / policies $or examination, s#ccess is
&o#nd to come

0ope lies in h#man heart and i$ -o# are hoping $or the real s#ccess, this &ooklet shall
ser,e -o#r p#rpose 0ard "ork, dedication and relentless e$$orts are the ke- to
s#ccess 0ence p#t -o#r &est $oot $or"ard "hile preparing $or the test

.ith all good "ishes to the participating aspirants $or their s#re s#ccess

1o#rs comradel-,

Bal&ir 2ingh BC )a#nikar
2ecretar- )resident
9926642545 9425393868
OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL

Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 1

Important Bankn! In"#ator$

Base Rate 10.50% (w.e.f 14/05/2012)
P L R 14.75 %(w.e.f 14/05/2012)
Bank Rate 9.00% (w.e.f. 17/04/2012)
Repo Rate 8.00% (w.e.f. 17/04/2012)
Reverse Repo Rate 7.00% (w.e.f. 17/04/2012)
C R R 4.75% (w.e.f. 10/0/2012)
! L R 24.00%(w.e.f. 18/12/2010)
Fnan#a% R&$'%t$ o( t)& Bank
"#$%res #n ` Crores

Param&t&r$ *+,-*,.--/ *+,-*,.-+- *+,-*,.-++ *+,-*,.-+.
&epos#ts 98'9 120258 19054 1559'5
()van*es '90'5 8489 95908
11050
Tota% B'$n&$$ +012*2 .-222. .*34/* .0/-+3
+perat#n$ Prof#t 1'84.98 2421.5 245 141.00
N&t Pro(t /-352. ++*2504 +3-*5-- ++2.5--
Prof#t per ,-p.o/ee (` `` ` 0n
La*s)
05+4 15*/
B%s#ness Per ,-p.o/ee 11.42 1.1 14.18 14.'2
B%s#ness per Bran*1 119.51 15.57 145.'1 151.81
Cap#ta. ()e2%a*/ Rat#o
(%)
12.98% 12.54% 14.2 12.'9%
Cost of &epos#ts (%) 7.52% '.57% '.0% 7.'9%
3#e.) on ()van*es (%) 10.82% 10.20% 10.2% 12.1'%
4ross 5P( (%) 1.5% 1.74% 1.98% .17%
5et 5P( (%) 0.'5% 0.87% 0.98% 2.21%

HI6HLI6HTS FOR .-++-+.
61e Bank was awar)e) t1e 78ost Cost ,ff#*#ent +perator9 at "0B(C:2011 or$an#;e) </ 0n)#an
Banks (sso*#at#on (0B() = "e)erat#on of 0n)#an C1a-<er of Co--er*e = 0n)%str/ ("0CC0) (0st
>a.f).
100% s/ste- )r#ven *.ass#f#*at#on an) prov#s#on#n$ of 5P(s.
C(!( &epos#t stoo) at Rs. 4?'28 *rore $rowt1 of 10.19 % (3o3).
C(!( &epos#ts to 6ota. &epos#ts at 24.1 %.
Cre)#t &epos#t Rat#o at 72.'8%.

IMPORTANT RATIOS
Prov#s#on Covera$e Rat#o at '1.52%.
5et 0nterest 8ar$#n (508) at 2.'8%.
Ret%rn on (ssets (Ro() at 0.'7%.
Cost to #n*o-e rat#o #s at 42.44%.
Book @a.%e Per !1are at Rs. '1.20.
CR(R of t1e Bank #s at 12.'9 % %n)er B(!,L:00 (6#er:0 Cap#ta.A 10.12%B 6#er C00 Cap#ta.A 2.57%).

DELI7ER8 CHANNELS
Bank9s <ran*1 network stoo) at 1772 Bran*1es w#t1 19 eDtens#on *o%nters.
152 Bran*1es 1ave <een opene) )%r#n$ 3ear.
Car) Base as on 1/0/2012 was 2.71 .a* (*ar) 1o.)ers).'.88 .a* *ar)s #ss%e) )%r#n$ /ear.
61e tota. n%-<er of (68s as on 1:0:12 stoo) at 1270 (#n*.%)#n$ 7 8o<#.e (68s? 1 offs#te
(68s an) ' B#o-etr#* (68s).
4.4' .a* #nternet <ank#n$ %sers an) 24.81 .a* *%sto-ers ava#.#n$ !8! fa*#.#t/.
81.40% of e.#$#<.e *as1 transa*t#ons are 1appen#n$ t1ro%$1 (68s.
Bank #s offer#n$ R64!? 5,"6? ,:6aD? 0<ank#n$ t1ro%$1 a.. !erv#*e +%t.ets.



NEW INITIATI7ES

61e Bank 1as .a%n*1e) +r#enta. Reverse 8ort$a$e !*1e-e.
61e Bank 1as operat#ona.#se) a 8o<#.e Bran*1 for Pa.wa. &#str#*t of >ar/ana.
61#s 8o<#.e Bran*1 #s prov#)#n$ Bank#n$ !erv#*es to t1e res#)ents of 9 (5#ne) a)Eo#n#n$ v#..a$es
at t1e#r )oorsteps. 8o<#.e <ran*1 env#sa$es eDtens#on of Bank#n$ fa*#.#t#es t1ro%$1 a we..
e2%#ppe) van for prov#)#n$ Bank#n$ !erv#*es s%*1 as a**o%nt open#n$? transa*t#on fa*#.#t#es?
re-#ttan*e fa*#.#t#es? a**ept#n$ .oan app.#*at#ons? et*.
61e Bank 1as .a%n*1e) F+R0,56(L B(5G 8,&0CL(08 P+L0C3H #n *o..a<orat#on w#t1 t1e
+r#enta. 0ns%ran*e Co-pan/ Lt). for #ts *%sto-ers. 0t #s a "a-#./ f.oater !*1e-e *over#n$ 4
fa-#./ -e-<ers #n t1e a$e $ro%p of -ont1s to 79 /ears w#t1 0ns%ran*e *over ran$#n$ fro-
Rs. 1 La* to Rs. 5 La*s.
61e Bank 1as .a%n*1e) a *o:<ran)e) Cre)#t Car) #n t1e na-e of !B0:+r#enta. Bank of
Co--er*e Cre)#t Car) w1#*1 #s #n *o..a<orat#on w#t1 !B0 Car)s. 61e *ar) #s ava#.a<.e #n two
var#ants : P.at#n%- an) 4o.) for *%sto-ers as we.. as staff of t1e Bank.

IT INITIATI7ES
0-p.e-entat#on of 25':<#t @er#!#$n ,Dten)e) @a.#)at#on (,@) !!L for BankIs we<s#te.
0-p.e-entat#on of ,:pa/-ent of @(6 for 8a1aras1tra !tate.
5R,4( !ea-.ess #nte$rat#on of transfer of 5R,4( f#.e 1av#n$ a**o%nts -a#nta#ne) </ <ran*1es
of R+ Ja#p%r = !r#$an$a$anar (RaEast1an !tate) t1ro%$1 !"6P !erver an) !BBJ !erver on )a#./
<as#s aro%n) 9.00 (8
61e Bank 1as .a%n*1e) #ts "#rst ,:Lo<</ at 5e1r% P.a*e? 5ew &e.1#. 61#s !tate of (rt
%n-anne) ,:Lo<</ prov#)es w#)e ran$#n$ 24D7 Bank#n$ fa*#.#t#es to #ts *%sto-ers on a se.f:
serv#*e <as#s w1#*1 #n*.%)eA (.. (68 !erv#*es #n*.%)#n$ Cas1 K#t1)rawa.? Ba.an*e 0n2%#r/? 8#n#
!tate-ent? P#n C1an$e? "%n)s 6ransfer? 0n*o-e 6aD Pa/-ent? C1e2%e !tat%s 0n2%#r/? !8!
Re$#strat#on? !top Pa/-ent re2%est et* t1ro%$1 (68 </ t1e Bank9s own *%sto-ers as we.. as
ot1er Bank C%sto-ers. &epos#t of C1e2%es an) &rafts t1ro%$1 t1e C1e2%e &epos#t 8a*1#ne
t1ro%$1 w1#*1 a*know.e)$e-ent for )epos#t an) *op/ of *1e2%e w#.. <e ava#.a<.e to t1e
*%sto-er. 0nternet Bank#n$ G#osk for %n)ertak#n$ 0nternet Bank#n$ transa*t#ons #n t1e ,:
Lo<</.
0-p.e-ente) e:ten)er#n$ an) reverse a%*t#on pro*ess.
0-p.e-ente) 0ntra Bank 8o<#.e Pa/-ent !erv#*e w#t1 5PC0 w1#*1 fa*#.#tates #nstant "%n)s
6ransfer a*ross ot1er Banks.
0-p.e-ente) !8! a.erts? #n *o-p.#an*e of RB0 $%#)e.#nes w#t1 respe*t to p%tt#n$ t1e s/ste- of
on.#ne a.erts for a.. t/pes of transa*t#ons #rrespe*t#ve of t1e a-o%nt? #nvo.v#n$ %sa$e of &e<#t
*ar)s at var#o%s *1anne.s.

CSR INITIATI7ES
(s a part of #ts Corporate !o*#a. Respons#<#.#t/? t1e Bank 1as set %p a 6r%st #n t1e na-e of
7+BC R%ra. &eve.op-ent 6r%st9 on 09.12.2005 for sett#n$ %p of R%ra. !e.f ,-p.o/-ent
6ra#n#n$ 0nst#t%tes (R!,60s). 61e 6r%st 1as set %p 0nst#t%tes #n f#ve &#str#*ts? v#;.? Ja#p%r?
!r#$an$ana$ar? "ero;ep%r ?&e1ra)%n = Pa.wa.. !#n*e #n*ept#on? a tota. of 75 tra#n#n$
pro$ra--es 1ave <een *on)%*te) <enef#t#n$ 25848 *an)#)ates.

61e Bank 1as opene) 4 "#nan*#a. L#tera*/ = Cre)#t Co%nse..#n$ ("LCC) Centres #n Garna. an)
Pa.wa. )#str#*ts of >ar/ana? !r#$an$ana$ar #n RaEast1an = "ero;p%r #n P%nEa<. ( tota. of 1418
persons were *o%nse..e) #n t1ese "LCCs? o%t of w1#*1 91 *ases were referre) for )e<t
restr%*t%r#n$.

( ProEe*t for eDten)#n$ so*#a. we.fare s*1e-es s%*1 as 5R,4(? Pens#on? et*. 1as <een
.a%n*1e) #n ' &#str#*ts v#;. !r#$an$ana$ar = >an%-an$ar1 #n RaEast1an? (-r#tsar? 4%r)asp%r
an) 8%ktsar #n P%nEa< an) J#n) #n >ar/ana. ( tota. n%-<er of 2?75?7'' s-art *ar)s 1ave <een
#ss%e) to t1e <enef#*#ar#es #n t1ese ' )#str#*ts.



FINANCIAL INCLUSION
6ota. n%-<er of 5+ "R0LL! (**o%nts 21?5?299 as on 1:0:2012 w#t1 an o%tstan)#n$ <a.an*e
of Rs. 427.29 *rore .
5'9 v#..a$es 1ave <een a..otte) to t1e Bank w#t1 pop%.at#on of -ore t1an 2000? a.. of t1e-
(492 @#..a$es t1ro%$1 BC 8o)e. = 2 @#..a$es t1ro%$1 Bran*1 -o)e. an) 54 t1ro%$1 8o<#.e
Bran*1 8o)e.) 1ave <een *overe).
?5?08 >o%se1o.)s 1ave <een enro..e). 1?59?207 B#o-etr#* Car)s 1ave <een a*t#vate) t#..
1:0:2012 an) ?02?289 transa*t#ons -a)e.

PRIORIT8 SECTOR
P! ()van*es $rew </ 1.'8% to Rs.40?527 Crore. ($r# ()v. Rs.15?411/: *rore. 6ota. 5o. of
GCCs 4?22?'11 as on 1::12 w#t1 an a-t. of Rs.875' Crore.

MEDIUM TERM BUSINESS PLAN FOR .-+--+*
(tta#n#n$ <%s#ness -#D of ` 4?00?000 *rores </ 201.
+pen#n$ 500 new <ran*1es #n t1e neDt t1ree /ears
0n*rease C(!( .eve. to 0% of tota. )epos#ts
0n*reas#n$ C%sto-er <ase to 29.40 -#..#on </ 201
0n*reas#n$ .en)#n$ to )#re*t a$r#*%.t%re to 1.50% of (5BC </ 201
!tepp#n$ %p Prov#s#on Covera$e Rat#o to 90%.

IMPORTANT POINTS FROM BAN9:S CIRCULARS ;La$t +. Mont)$<

1. RT6S, NEFT C)ar!&$ ;#r CS=P,+-,+.-+*,++4 "t .3-3-+.)
Part#*%.ar @a.%e Ban) C1ar$es per tDn
Rs. 2 La* to 5 La* Rs.25/:
RT6S (<ove Rs.5 .a* Rs.50/:
%pto Rs.1 .a* "ree (50L)
(<ove Rs.1.00 La* to Rs.2.00 La* Rs.10/: NEFT
(<ove Rs.2.00 La* Rs.25
.5 An>?)&r& Bran#) Bankn! ;ABB< C)ar!&$< ;#r no5 HO,CS=P,+-,+.-+*,++4 "t5 .3-3-+.<
Fa#%t> Amo'nt C)ar!&$
"or sav#n$s Bank (/*s "ree
"or C/(? +& an) CC (/*s %p to Rs
Rs.50000/:
"ree
;For Ca$) Wt)"ra?a% p&r "a>
on%><
;Ma@ #&%%n! %mt amt5 +5-- %a#,
"a>, #'$tom&r<
Not& - ?t)"ra?a% A&>on" R$5+
%a# at non par&nt Aran#) $
a%%o?&" ?t) pror approBa% o(
#omp&t&nt a't)ort><
"or C/(? +& an) CC (/Cs a<ove
Rs.50000 to 100000/:

Rs.1.00 per t1o%san)
(-#n#-%- Rs.50/:
per tDn = -aD#-%-
Rs.10000)
*as1 w#t1)rawa. </ *12 to r)
pat/ at non <ase <o #n !B an) C(
(Cs on./
8aD#-%- (-t. Rs.25000/: on./
(t1e r) person s1o%.) $#ve 0& an)
())ress proof = Conta*t 5o.)
"ree
"or sav#n$s Bank (/*s "ree
"or C/(? +& an) CC (/*s "ree
;(or Ca$) D&po$t$ p&r "a> on%><
(8aD. Per-#ss#<.e (-t.: 5o .#-#t.
( *%sto-er *an )epos#t an/ a-t #n
1#s/1er a* at an/ ot1er <ran*1 of
t1e <ank)
"or ot1er (Cs (P&/Loan/5P(/PB et*) "ree
Bran#)&$ %o#at&" ?t)n %o#a%
#%&arn! ar&a
"ree
Tran$(&r o( F'n"$
;Non-#a$) t@n$5 on%><
O't$"& %o#a% #%&arn! ar&a
Lpto to Rs. 2 .ak1s
a<ove Rs. 2 .ak1s to Rs. 5 .ak1s
a<ove Rs.5.00 .ak1s

Rs. 5/: per 6Dn
Rs. 25/: per 6Dn.
Rs. 50/: per 6Dn.
C In #a$& tota% tran$a#ton amo'nt &@#&&"$ R$ 3----,- #)ar!&$ ?%% A& %&B&" on ('%% amo'nt
a$ p&r t)& aAoB&


. 0t 1as <een )e*#)e) t1at pr#or approva. of t1e 4overn-ent ("0PB) wo%.) <e re2%#re) on./ for
"&0 *o-ponent an) 4overn-ent approva. wo%.) not <e re2%#re) for #nvest-ent </ re$#stere)
"00s #n *o--o)#t/ eD*1an$es. "%rt1er? %n)er t1e eDtant "&0 po.#*/? M.eas#n$ an) f#nan*e9 #s
one of t1e 18 5B"C a*t#v#t#es w1ere#n "&0 %p to 100 per *ent #s per-#tte) %n)er a%to-at#*
ro%te? s%<Ee*t to -#n#-%- *ap#ta.#sat#on nor-s. 0t #s 1ere</ *.ar#f#e) t1at "&0 #s per-#tte)
on./ #n Mf#nan*#a. .eases9 (f#nan*#a. .eas#n$ a*t#v#t/) an) not #n Moperat#n$ .eases9 (operat#n$
.eas#n$ a*t#v#t/) (*#r no. 0B&/28/12:1/102 )t 12:05:12)
4. K#t1 a v#ew to f%rt1er .#<era.#;#n$ t1e )o*%-entat#on re2%#re-ents? t1e .#-#t for fore#$n
eD*1an$e re-#ttan*e for -#s*e..aneo%s p%rposes w#t1o%t )o*%-entat#on for-a.#t#es? 1as <een
ra#se) fro- L!& 5000 to L!& 25000 w#t1 #--e)#ate effe*t5 ;#r IBD, .2 ,+.-+*, 4/ "t5 1-3-
+.<
5. 0n v#ew of t1e )#ff#*%.t#es fa*e) #n *o-p./#n$ 4overn-ent $%#)e.#nes? Cre)#t R#sk 8ana$e-ent
Co--#ttee #n #ts '7t1 -eet#n$ 1e.) on 1'..2012 re*ons#)ere) t1e po.#*/ an) 1as approve)
t1at <ank -a/ *ont#n%e to f#nan*e a$a#nst t1e ware1o%se re*e#pts #ss%e) </ t1e ware1o%ses
of Centra. / !tate ware1o%se / Kare1o%ses of *o..atera. 8ana$ers an) Pr#vate ware1o%ses
approve) </ t1e Bank? w#t1o%t #ns#st#n$ K&R( re$#strat#on an) o<ta#n#n$ ne$ot#a<.e
ware1o%se re*e#pt ;#r RD=PSD .D .-+.-+*D .2 "t /-2-+.)
05 "or var#o%s "or-s (&(1? &(2? an) &( for <ank )epos#ts? "or-s !C1? !C2? an) !C for (rt#*.es
.eft #n safe C%sto)/? "or-s !L1? !L2? an) !L? for !afet/ Lo*kers) pres*r#<e) %n)er Bank#n$
Co-pan#es 5o-#nat#on R%.es? 1985 on./ t1%-<:#-press#on(s) s1a.. <e atteste) </ two
w#tnesses. !#$nat%res of t1e a**o%nt 1o.)ers nee) not <e atteste) </ w#tnesses. ;#r
CSP,1+,++-+.,/+. *+-*-+.<
7. !erv#*e taD on foreD transa*t#ons (IBD,+.0 ,++-+.,/-3 "t .4--*-+.<
SN 7a%'& O( For&!n &@#)an!& ;In
INR p&r tran$a#ton<
R&B$&" $&rB#& Ta@ Rat& ?5&5(5 -+,-2,+.
1. Lp to Rs. 1?00?000/: 0.12% of t1e a-o%nt of *%rren*/? s%<Ee*t to -#n#-%- of
Rs 0/:
2. "ro- Rs 1?00?001/: to Rs.
10?00?000/:
Rs. 120N 0.0'% of t1e a-o%nt of *%rren*/ eD*ee)#n$ Rs
1?00?000/:
. (<ove Rs. 10?00?000/: Rs. '00N 0.012% of t1e a-o%nt of *%rren*/ eD*ee)#n$ Rs
10?00?000/:? s%<Ee*t to -aD#-%- of Rs '?000/:
8. 61e effe*t#ve serv#*e taD rate #n*.%)#n$ of e)%*at#on *ess an) se*on)ar/ 1#$1ere)%*at#on *ess
rate w#.. <e rev#se) fro- 10.0% to 12.'% w.e.f. 01.04.2012. (*#r (C6/'/11:12/902 2'::12)
9. Cons#)er#n$ t1e re2%#re-ent of t1e *%sto-ers w1o approa*1 t1e <ran*1es for *o-<#ne)
state-ent )%e to a<ove -ent#one) reasons an) #n or)er? to ens%re pro-pt an) fast *%sto-er
serv#*e </ t1e <ran*1es? t1e *o-<#ne) state-ent -en% opt#on (CPSPAC) 1as <een ena<.e)
for a.. "#na*.e %sers. 61e sa#) -en% 1as <een ena<.e) w.e.f. 2.02.2012 onwar)s #n DRS
Fna#%&5 ;#r DIT .0,++-+.,414, "t .--*-+.<
+-5 @a.%at#on po.#*/ of <ank ;#r no5 REC .+,++-+.,403 +*--*-.-+.<
Part#'%ar$ Lat&$t 6'"&%n&$ (or 7a%'aton
"re2%en*/
of
va.%at#on
Propert/ -ort$a$e) to t1e Bank s1a.. <e reva.%e) on*e #n two /ears #n respe*t of
t1e .oan a-o%nt san*t#one) as %n)erA Lp to Rs 10.00 La*s </ t1e Bran*1
0n*%-<ent<) +ver Rs 10 La*s </ t1e va.%er(s) on e-pane.-ent
@a.%at#on
</ two
va.%ers
"or .oans/ .#-#ts <e/on) Rs.10.00 La*? w1ere t1e va.%e of t1e -ort$a$e) propert/
#s ant#*#pate) at Rs 25.00 Crore an) a<ove at a.. *enters #.e. r%ra. / se-#:%r<an/
Lr<an /8etro? t1e Bank s1o%.) o<ta#n -#n#-%- two 0n)epen)ent @a.%at#on Reports
for propert#es va.%e) at Rs.25 Crore an) a<ove.
11. 5o pena.t/ to <e *1ar$e) for pre-at%re w#t1)rawa. of new fres1 6er- &epos#ts of -at%r#t/
%pto 180 )a/s #rrespe*t#ve of t1e s#;e of &epos#ts (#r no5C=SP,01-++-+.,43/ +.--*-.-+.<
+.5 0t 1as <een )e*#)e) to a**ept 5on Res#)ent 6er- &epos#t (Bot1 5R,:05R an) 5R+) #n .#ne w#t1
)o-est#* ter- )epos#ts for a per#o) #n n%-<er of )a/s (0nstea) of 2%arter) prov#)e) t1e
)epos#t re-a#ns w#t1 t1e <ank for t1e -#n#-%-/ -aD#-%- per#o) pres*r#<e) </ t1e
RB0/Bank. (#r No5IBD, ++.,++-+.,421 "t 3-*-+.<


+*5 Ft1e re2%#re-ent of "or- 15 C( an) 15 CB #s #n respe*t of an/ s%- *1ar$ea<.e to taD #n 0n)#a.
61e p%rpose #s to *o..e*t taDes at t1e sta$e w1en t1e re-#ttan*es are -a)e. 0n t1e *ase of
p%re #-ports t1ere #s no taD *o..e*t#on #nvo.ve). 0n v#ew of t1#s? t1e re2%#re-ent of 15 C( an)
15 CB #n respe*t of re-#ttan*e for p%re #-ports #.e. -ater#a./ $oo)s (p1/s#*a.) #s not re2%#re)
at t1e t#-e of re-#ttan*e.H ;#r no5IBD,+++,.-++-+.,42+ "t .4-.-+.<
14. Or&nta% Bank Ta@ SaBn! S#)&m&? w1#*1 #s for a per#o) of 5 3ears w#.. *arr/ #nterest rate
app.#*a<.e on 6er- )epos#ts for 5 /ears p.%s 0.50% #.e. ("or 4enera. P%<.#* 9.25%N0.50%O
9.75%? For S&nor CtE&n /5.3FG-53-FG-53-FH +-5.3F = For Sta(( = E@-$ta((
/5.3FG-53-FG+5--FH+-513F0n*.%)#n$ a.. <enef#ts of 1#$1er rate) ;#r CS=P,03,.-++-+.,4*.
"t -.,-*,.-+.<
15. (.. .oan app.#*at#ons for 8!8, %p to a *re)#t .#-#t of M 25?000/: s1o%.) <e )#spose) of w#t1#n 2
weeks an) t1ose %p to M 5 .ak1 w#t1#n 4 weeks prov#)e) t1e .oan app.#*at#ons are *o-p.ete #n
a.. respe*ts an) a**o-pan#e) </ a I*1e*k .#stI. (*#r no. RD =PSD1+D.-++-+.D 1/- *+5-+5.-+.<
1'. 61e na-e of t1e off#*e of G@0C 1as <een *1an$e) fro- Comm$$on&r (or 97I to 9)a" an"
7%%a!& In"'$tr&$ Comm$$on5 ;#r RD =PSD 1- D.-++-+.D140 *+5-+5.-+.<
17. ,ns%r#n$ -et#*%.o%s *o-p.#an*e of L6@ rat#o? we -o)#f#e) t1e per-#ss#<.e *o-ponent of
f#nan*e as %n)erA >en*e fort1 sta-p )%t/? re$#strat#on eDpenses = 0ns%ran*e pre-#%- s1o%.)
not <e #n*.%)e) #n t1e *ost of 1o%s#n$ propert/ to <e f#nan*e). (*#r 8kt$. = Reta#.A58A2011:
12A782 &ateA07.02.2012)
18. RB0 v#)e #ts *#r*%.ar no. RPC&.C+.P.an.BC.4/04.09.01/2011:12 )ate) 19.12.2011 1as *.ar#f#e)
t1at F as *re)#t %n)er t1e )a#r/ se$-ent (n#%'"n! pro#'r&m&nt, $tora!&, pro#&$$n!,
#o%%&#ton, tran$portaton, &t#5) pr#-ar#./ <enef#ts s-a../-ar$#na. far-ers an) t#n/ %n#ts ?
*re)#t for a.. a*t#v#t#es w1#*1 *ontr#<%te to t1e )eve.op-ent of )a#r/ <%s#ness wo%.) <e
treate) as #n)#re*t f#nan*e to a$r#*%.t%re %n)er pr#or#t/ se*tor. ;#r RD=PSD 0- D .-++-+.
D0/0 .25+.5.-++<
19. Imp%&m&ntaton o( t)& Damo"aran Commtt&& R&port on C'$tom&r S&rB#&$ -(() !>4
-e-<ers s1o%.) not <e for*e) to take #ns%ran*e pro)%*ts of t1e Bank (B) 8%.t#p.#*#t/ of .oans
to t1e sa-e <orrower t1ro%$1 8"0s <e avo#)e) as t1e sa-e res%.ts #n poor re*over/ fro-
!>4s. (C) Loans to !>4s s1o%.) <e prov#)e) #n <ran*1es? keep#n$ #n v#ew t1e <%s#ness
re2%#re-ent of t1e !>4 rat1er t1an )epen)#n$ so.e./ on t1e repa/-ent -a)e </ t1e !>4s.
(*#r RD=PS, 31 ,.-++-+.,000 Dt +15+.5.-++<
20. Banks -a/ *ons#)er *o..e*t#n$ a**o%nt pa/ee *1e2%es )rawn for an a-o%nt not eD*ee)#n$
Rs.50?000/: to t1e a**o%nt of t1e#r *%sto-ers w1o are *o:operat#ve *re)#t so*#et#es? #f t1e
pa/ees of s%*1 *1e2%es are t1e *onst#t%ents of s%*1 *o:operat#ve *re)#t so*#et#es. (ttent#on #s
)rawn to o%r C#r*%.ar 5o. >+/C!=P/1'/2011:12/29 )ate) 20.0'.2011 *onta#n#n$ t1ese
$%#)e.#nes w1#*1 are t1e sa-e. (*#r no. CS=P, 3- ,.-++-+.,344 "t .+-++-++<
21. K#t1 effe*t fro- (pr#. 1? 2012? <anks s1o%.) not -ake pa/-ent of *1e2%es /)rafts/pa/
or)ers/<anker9s *1e2%es <ear#n$ t1at )ate or an/ s%<se2%ent )ate? #f t1e/ are presente)
<e/on) t1e per#o) of t1ree -ont1s fro- t1e )ate of s%*1 #nstr%-ent. (*#r C!=P/51/2011:
12/589 )t 17.11.2011)
22. 0n t1e .#$1t of RB09s *o--%n#*at#on? Bran*1es are a)v#se)/#nstr%*te) to #nv#te at .east one
8!8, C%sto-er #n t1e -ont1./ -eet#n$ of t1e C%sto-er !erv#*e Co--#ttee.(*#r
C!=P/48/2011:12/ 582 )t 15:11:2011)
2. 0n or)er to a))ress t1e re$%.ator/ *on*erns t1at 1ave ar#sen #n t1#s *onteDt? RB0 1as
#nstr%*te) <anks to ens%re t1at )e-an) )rafts of Rs. 20?000/: an) a<ove are #ss%e) #nvar#a<./
w#t1 a**o%nt pa/ee *ross#n$. Bes#)es o%r $%#)e.#nes #n vo$%e? #n t1e .#$1t of RB09s
*o--%n#*at#on? a.. Bran*1es -%st ens%re t1at a.. )e-an) )rafts of Rs.20?000/: an) a<ove are
#ss%e) #nvar#a<./ w#t1 a**o%nt pa/ee *ross#n$ (*#r C#r*%.ar 5o. >+/C!=P/47/2011:12/57'
&ate) 14.11.2011)
24. 61e <ran*1es s1o%.) ens%re t1at )e*.arat#on #n "or- 154 = 15> re*e#ve) fro- t1e *%sto-ers
#s f#.e) w#t1 t1e respe*t#ve Co--#ss#oner of 0n*o-e 6aD on or <efore 7t1 of t1e fo..ow#n$
-ont1 #n w1#*1 )e*.arat#on #s re*e#ve) fro- t1e *%sto-er. (C#r (C6/21/2011:12/490 12t1
+*to<er? 2011)
.35 61e -an)ate) nor-s app.#*a<.e to var#o%s *ate$or#es of <orrowers %n)er )#fferent 4ovt.
!ponsore) !*1e-es are as %n)erA ;Cr No5 2+ ,.-++-+.,244 Dat&D -45+-5.-++<


2'. ,C4C Lt). 1as renewe) o%r ,C0B K6PC (Po.#*/ 5o.5027) an) ,C0B K6:P! (Po.#*/ 5o.128) for
t1e per#o) 01.07.2011 to 0.0'.2012. !o-e of t1e sa.#ent feat%res of t1e renewe) po.#*es are
$#ven A (. ,C0B (K6:Pa*k#n$ Cre)#t) pre-#%- #s pa/a<.e on a -ont1./ <as#s at t1e rate of '
pa#sa per Rs.100/: per -ont1 on t1e avera$e )a#./ pro)%*t w1#*1 #s <orne </ t1e *%sto-er. B.
,C0B (K6:Post !1#p-ent) pre-#%- #s pa/a<.e </ t1e <ank on a -ont1./ <as#s at t1e rate of
'.5 pa#sa per Rs.100/: per -ont1 on t1e avera$e )a#./ pro)%*t. (*#r 0B&/ '4 /11:12/ 48 &ateA
04.10.2011)
27. &eta#.s of t1e *1ar$es to <e .ev#e) fro- *%sto-ers w.e.f 01.10.2010
Car" T>p& C)ar!&$ (rom #'$tom&r$
0st 3ear 2n) /ear onwar)s
(68 Car) "ree of *ost Rs.100/: N !erv#*e 6aD
(68 *%- &e<#t Car) "ree of *ost Rs.100/: N !erv#*e 6aD

28. (s per t1e Bank9s Loan Po.#*/? sto*k a%)#t #s to <e $ot *on)%*te) on*e #n a /ear #n *ase of
<orrowers enEo/#n$ f%n) <ase) work#n$ *ap#ta. (#n*.%)#n$ &( LC .#-#t) fa*#.#t#es of Rs.2.00
*rore an) a<ove. 0n *ase of restr%*t%re) / 5P( a**o%nts? t1e pres*r#<e) a-o%nt of .#-#t #s
Rs.1.00 *rore an) a<ove. "%rt1er? Sto#k A'"t o( r&$tr'#t'r&" a##o'nt$ A& #on"'#t&" on#&
n &B&r> $@ mont)$5 ;#r CAD, 01,.-++-+.,211 O#toA&r ++, .-++<
29. K1en <anks %n)ertake o%tr#$1t p%r*1ase of .oan assets fro- <anks/ f#nan*#a. #nst#t%t#ons to
<e *.ass#f#e) %n)er pr#or#t/ se*tor? t1e/ -%st report t1e a-o%nt a*t%a../ )#s<%rse) to en)
pr#or#t/ se*tor <orrowers an) not t1e pre-#%- e-<e))e) a-o%nt pa#) to t1e se..ers. 61ese
t/pe of a**o%nt s1o%.) <e opene) #n (na#%& 'n"&r S#)&m& Co"& TL1+- ;Non EI T>p&)
-aD#-%- Loan a-t. 1000 Crore an) 8aD#-%- Per#o) 120 8ont1s ;#r HO,RD=PS, *1,.-++-
+., 202 Dat&D .45-/5.-++<5
*-5 0n a.. *re)#t proposa.s re.at#n$ to Constr%*t#on Contra*tors? *o-p.#an*e w#t1 A##o'ntn!
Stan"ar" ;AS< I +- r&!ar"n! Ba%'aton o( $to#k, r&#&BaA%&$ -%st <e #n*orporate) #n t1e
5ote. ;#r no5 CAD,3/,.-++-+.,20+ S&pt&mA&r .*, .-++<
*+5 , 6aD : F6aD 6ransa*t#on L#-#tsH for <ot1 &#re*t 6aDes an) 0n)#re*t 6aDes for Reta#. 0nternet
Bank#n$ *%sto-er #s Rs.10 .a*s. Per )a/ ;#r no5 HO,DIT, .+ ,.-+--.-++, 030 "t5
-25-+5.-++<
*.5 Banks -%st )#s*.ose Ia.. #n *ostI #n*.%s#ve of a.. s%*1 *1ar$es #nvo.ve) #n pro*ess#n$ / san*t#on
of .oan app.#*at#on #n a transparent -anner to ena<.e t1e *%sto-er to *o-pare t1e rates /
*1ar$es w#t1 ot1er so%r*es of f#nan*e ;#r no5 HO , RMD, *3 ,.-+--++, 03/ "t -05-+5.-++<
**5 ()van*es $rante) to reta#. tra)ers )ea.#n$ #n essent#a. *o--o)#t#es (fa#r pr#*e s1ops)?
*ons%-er *o:operat#ve storesB an) a)van*es $rante) to pr#vate reta#. tra)ers w#t1 *re)#t
.#-#ts not eD*ee)#n$ Rs. 20 .ak1) wo%.) <e part of t1e !-a.. (!erv#*e) ,nterpr#ses.
;Cr5No5HODRD=PSD+-4D.-+--++D01/ "t5+35-+5.-++5
*25 (.. t1e a**o%nts w1et1er R&ta% tra"&r$ or W)o%&$a%& tra"&r$ s1a.. <e *on*.%s#ve./ *.ass#f#e)
as serv#*e se*tor = s1a.. *o-e 'n"&r M#ro an" Sma%% Ent&rpr$&$ $&#tor ?t)n t)& prort>
$&#tor proB"&" t)&> $at$(> t)& "&(nton o( M#ro an" Sma%% ;S&rB#&< Ent&rpr$&$ n
r&$p&#t o( nB&$tm&nt n &J'pm&nt5 >owever? tra)ers en$a$e) #n prov#)#n$ serv#*es w1ere
a-o%nt of #nvest-ent #n e2%#p-ent #s -ore t1an Rs. 2.00 *rores = %pto Rs. 5.00 *rores s1a..
<e *.ass#f#e) as M&"'m Ent&rpr$&$ %n)er 5on Pr#or#t/ !e*tor. .
;Cr5No5HODRD=PSD+-4D.-+--++D01/ "t5+35-+5.-++5

5. C+5605L(60+5 +" +P,R(60+5! 05 (CC+L56(!) K>0C> >(@, !L0PP,& 056+ 5P( : (a) 61e
*%rrent / *as1 *re)#t a**o%nt or an/ a**o%nt w1ere#n t1e <orrower #s a..owe) *1e2%e <ook
fa*#.#t/ s1o%.) *ont#n%e to <e operat#ona.? even after t1e a**o%nt #s *.ass#f#e) as 5P(. (<) 61e
eDpos%re to t1e <orrower <e restr#*te) to t1e a-o%nt o%tstan)#n$ on t1e )ate of


*.ass#f#*at#on as 5P( an) an %n)ertak#n$ -%st <e o<ta#ne) fro- t1e <orrower w1ere#n?
a-on$st ot1ers? #t s1o%.) <e a$ree) %pon spe*#f#*a../ t1at t1e Bank s1a.. reta#n a -#n#-%- of
5:10% or -ore of ever/ *re)#t #nto t1e a**o%nt for appropr#at#on towar)s re$%.ar#;at#on of t1e
a**o%nt. 61e <orrower s1o%.) t1ereafter <e per-#tte) to operate t1e a**o%nt #n respe*t of
t1e <a.an*e a-o%nt *re)#te). 61#s arran$e-ent wo%.) *ont#n%e t#.. t1e a**o%nt #s %p$ra)e)
or restr%*t%r#n$ eDer*#se #n f%.. #s *ons#)ere). ;#r no5RECD++ ,.-+--++,1-3 "t Kan'ar> +/,
.-++<
'. 0n no *ase ? t1e *o%nterfe#t note )ete*te) s1o%.) <e ret%rne) to t1e ten)erer or )estro/e) </
t1e <ran*1es ;Cr#'%ar No5HO,SER,2D.-+--++D1+1 "at&" ./5-+5.-++<
7. 0n a.. e.#$#<.e *ases? t1e eDterna. *re)#t rat#n$ <e $ot )one w#t1#n 90 )a/s fro- t1e )ate of
san*t#on fa#.#n$ w1#*1 pena. #nterest of 1% s1o%.) <e st#p%.ate)5;HO,CAD,+-2,.-+--++,12.
.-.-++<
8. C)ar!&$ (or #)&J'& %&aB&$ (or MICR, M'%t#t> #)&J'&$ ;?&( -+--2-.-++<
L For ot)&r t)an n"B"'a%$ - Rs. .00 per .eaf for a.. <ran*1esP
LFor n"B"'a%$ - Rs. 2.00 per .eaf for a.. <ran*1esP

9. C)ar!&$ (or O't$taton C)&J'& Co%%&#ton not #oB&r&" A> Sp&&" C%&arn! (?&( -+--2-++<
;#r no5 HO,CS=P,1-,.-+--++,111 "at&" .+-
-.- .-++ <
7a%'&
C)ar!& (rom SB
a,#
#'$tom&r$
C)ar!& (rom ot)&r
t)an SB
#'$tom&r$
Lpto an) #n*.%)#n$ Rs. 5?000/: 25 25
(<ove Rs. 5?000/: an) %pto an) #n*.%)#n$ Rs.
10?000/:
50 50
(<ove Rs. 10?000/: an) %pto an) #n*.%)#n$ Rs.
1?00?000/:
100 125
(<ove Rs. 1?00?000/: 150 200

40. C)ar!&$ (or C)&J'& Co%%&#ton 'n"&r Sp&&" C%&arn! ;A> #o%%&#tn! Aank$ (rom #'$tom&r$<
;?&( -+--2-++<
;#r no5 HO,CS=P,1-,.-+--++,111 "t
.+--.- .-++ <
7a%'&
#)ar!& (rom SaBn!$
a,# #'$tom&r$

#)ar!& (rom ot)&r
t)an SB
#'$tom&r$

Lpto an) #n*.%)#n$ Rs. 1?00?000/: 5#. 50
(<ove Rs.1?00?000/: 100 150

41. "ro- (pr#. 1?2008 onwar)s? a.. *o-pan#es an) persons (ot1er t1an a *o-pan/) w1o are
re2%#re) to $et t1e#r a**o%nts a%)#te) are re2%#re) to pa/ taD e.e*tron#*a../.
;HO,6BC,/-,.-+--++,42. Dat& +0--*-.-++<
42. "or fres1/ en1an*e) *re)#t .#-#ts %p to Rs.100.00 .a*s san*t#one) to 8#*ro = !-a..
,nterpr#ses? no *o..atera. se*%r#t/ <e #ns#ste) %pon? prov#)e) t1e proEe*t #s v#a<.e an) a.. s%*1
a**o%nts are *o-p%.sor#./ *overe) %n)er C46!8, !*1e-e t1at t1e entreprene%rs w1o are not
#n a pos#t#on to offer *o..atera. se*%r#t/ are not )epr#ve) of Bank f#nan*e.
(C#r.5o.>+AR&=P!A128A2010:11A828 )t 14:0:2011)
4. 4overn-ent of 0n)#a 1as )e*#)e) to *a.. #n fro- *#r*%.at#on t1e *o#ns of 25 pa#se = <e.ow #n
*#r*%.at#on ? #ss%e) fro- t#-e to t#-e? w#t1 effe*t fro- J%ne 0?2011. (C#r*%.ar 5o.>+/!,R/5
A2010:11A810 )t 07:0:11)
44. I!-a.. (**o%nt (5o fr#.. or Bas#* Bank#n$ (C)I -eans a sav#n$s a**o%nt #n a <ank#n$ *o-pan/
w1ere: (#) t1e a$$re$ate of a.. *re)#ts #n a f#nan*#a. /ear )oes not eD*ee) r%pees one .ak1B
(##) t1e a$$re$ate of a.. w#t1)rawa.s an) transfers #n a -ont1 )oes not eD*ee) r%pees ten
t1o%san)B an) (###) t1e <a.an*e at an/ po#nt of t#-e )oes not eD*ee) r%pees f#ft/ t1o%san).
(C#r*%.ar 5o.>+/C!=P/ 7 /2010:11/755 04:02:2011)
235 61e rev#se) *%t:off .#-#ts for #)ent#f#*at#on of t1e Lar$e Borrowa. (**o%nts w1#*1 1ave to <e
s%<Ee*te) to Loan Rev#ew 8e*1an#s- w#t1 effe*t fro- 01.04.2011 w#.. now <e as fo..ows.
a) (.. 7fres19 san*t#ons of Rs..00 Cr. an) a<ove.


<) (**o%nts w#t1 7eD#st#n$9 eDpos%res of Rs..00 Cr = a<ove #n *ase w1ere 0nterna. Cre)#t R#sk
Rat#n$ #sA
#) LC:' = <e.ow ##)!8,:' = <e.ow ###) 5B"C:' = <e.ow #v)!B!:' = <e.ow.
*) 0n a.. ot1er *ases a**o%nts w#t1 7eD#st#n$9 eDpos%res of Rs.5.00 Cr. = a<ove (Cr#'%ar No5
HO,CMC,LRM,+,.-++-+.,--2<
4'. 61e !pee) C.ear#n$ was #n#t#a../ ena<.e) for *1e2%es #ss%e) </ a**o%nt 1o.)ers w#t1
transa*t#on *o)es 10 (sav#n$s <ank)? 11 (*%rrent a**o%nt) an) 1 (*as1 *re)#t). RB0 v#)e
5ot#f#*at#on 5o. &P!!.C+.C>&.5o. 1514/ 0.01.0 / 2010:2011 )t. 4.01.2011 *onve/e) #ts
)e*#s#on to eDten) t1e s*ope of !pee) C.ear#n$ to *over a%% tran$a#ton #o"&$, ot)&r t)an
t)o$& r&%atn! to !oB&rnm&nt #)&J'&$ w.e.f. 01.02.2011.
47. @a.%at#on Po.#*/ of t1e Ban. : Q"re2%en*/ of va.%at#on : Propert/ -ort$a$e) to t1e Bank s1a..
<e reva.%e) on*e #n two /ears #n respe*t of t1e .oan a-o%nt san*t#one) as %n)er : (a) Lp to
Rs 10.00 La*s </ t1e Bran*1 0n*%-<ent (<) +ver Rs 10 La*s </ t1e va.%er(s) on e-pane.-ent
"or .oans/ .#-#ts <e/on) Rs.10.00 La* an) t1e va.%e of t1e propert/ #s ant#*#pate) at Rs25.00
Crore an) a<ove at a.. *enters #.e. r%ra. / se-#:%r<an/ Lr<an /8etro ? t1e Bank s1o%.) o<ta#n
-#n#-%- two 0n)epen)ent @a.%at#on Reports for propert#es va.%e) at Rs.25 *rore an) a<ove
48. 61e RB0 v#)e #ts 5ot#f#*at#on 5o. &B+&. &#r. BC. 89 / 1.0.00 /2010:11 &ate) .5.2011
1as )#re*te) t1at ? t1e rate of #nterest on )o-est#* an) or)#nar/ 5on:Res#)ent sav#n$s
)epos#ts as we.. as sav#n$s )epos#ts %n)er 5on:Res#)ent (,Dterna.) (**o%nts !*1e-e
s1a.. <e 4.0 per *ent per ann%- w#t1 #--e)#ate effe*t. QC#r*%.ar 5o.>+/C!=P/ 7 /2011:12/
91 )t 04:05:2011P
49. 61e Reserve Bank of 0n)#a v#)e t1e#r *#r*%.ar .etter no. RB0/2010:11/517/RPC&.Co. P.an. BC.
'9/ 04.09.01/2010:11 )ate) 09.05.2011 1as *o--%n#*ate) t1at w#t1 effe*t fro- 01st (pr#.
2011. >o-e Loans %pto Rs. 25.00 .a*s #rrespe*t#ve of .o*at#on? to #n)#v#)%a.s for
p%r*1ase/*onstr%*t#on of )we..#n$ %n#t per fa-#./? eD*.%)#n$ t1e .oans $rante) to staff
-e-<ers of o%r <ank? are e.#$#<.e for *.ass#f#*at#on %n)er Pr#or#t/ !e*tor QC#r*%.ar 5o.
>+A8arket#n$ = Reta#./04 /2011:12/112 )t 1'.05.2011P

50. CLASSIFICATION CRITERIA OF BRANCHES
S%5
No5
Cat&!or> o(
Aran#)
B'$n&$$ Crt&ra In#'mA&n#>
a !-a.. Bran*1es
(vera$e a$$re$ate )epos#ts = a)van*es <e.ow Rs. 5.00 *rore
)%r#n$ t1e .ast 2 /ears
!*a.e : 0
< 8e)#%- Bran*1es
(vera$e a$$re$ate )epos#t = a)van*es of Rs.5.00 *rore an)
a<ove <%t <e.ow Rs.25.00 *rore )%r#n$ t1e .ast 2 /ears
!*a.e : 00
* Lar$e Bran*1es
(vera$e a$$re$ate )epos#t = a)van*es of Rs.25.00 *rore an)
a<ove <%t <e.ow Rs.75.00 *rore )%r#n$ t1e .ast 2 /ears. !*a.e C 000
)
@er/ Lar$e
Bran*1es
(vera$e a$$re$ate )epos#ts = a)van*es of Rs.75.00 *rore an)
a<ove <%t <e.ow Rs.225.00 *rore )%r#n$ t1e .ast 2 /ears w#t1
-#n#-%- avera$e a)van*es of Rs.15.00 *rores #n t1e .ast
/ear.
!*a.e C 0@
e
,D*ept#ona../ Lar$e
Bran*1es
(vera$e a$$re$ate )epos#ts = a)van*es of Rs.225.00 *rore
an) a<ove <%t <e.ow Rs.2?000.00 *rore )%r#n$ t1e .ast 2
/ears w#t1 -#n#-%- avera$e a)van*es of Rs.50.00 *rores #n
t1e .ast /ear.
!*a.e C @
f
,D*ept#ona../ @er/
Lar$e Bran*1es
(vera$e a$$re$ate )epos#ts = a)van*es of Rs.2?000.00 *rore
an) a<ove )%r#n$ t1e .ast 2 /ears w#t1 -#n#-%- avera$e
a)van*es of Rs.100.00 *rores #n t1e .ast /ear.
!*a.e C @0


Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012)

CURRENT TRENDS IN FINANCIAL SECTOR , 6EN5 AWARENESS

1. Invisible export means export of
(A) Services (Answer)
(B) Prohibited goods
(C) Unrecorded goods
(D) oods thro!gh sm!ggling

". In the la# of demand$ the statement %other things
remain constant& means
(') Income of cons!mer sho!ld not change
(B) Prices of other goods sho!ld not change
(C) (aste of cons!mer sho!ld not change
(D) All of the above ()nl* demand varies #ith
respect to variation in price) (Answer)

+. ' firm is in e,!ilibri!m #hen its
(') -arginal cost e,!als the marginal reven!e (Answer)
(B) (otal cost is minim!m
(C) (otal reven!e is maxim!m
(D) 'verage reven!e and marginal reven!e are e,!al

.. (he /orld (rade )rganisation (/()) #as earlier
0no#n as
(A) GATT (Answer)
(B) U1IC23
(C) U1C('D
(D) 3')
4. (he difference bet#een visible exports and visible
imports is defined as
(A) Balance of trade (Answer)
(B) Balance of pa*ment
(C) Balanced terms of trade
(D) Coins from trade

5. (he o!tcome of deval!ation of c!rrenc* is
(A) Increased export and improvement in balance
of payment (Answer)
(B) Increased export and foreign reserve deficienc*
(C) Increased import and improvement in balance of
pa*ment
(D) Increased export and import

6. In India$ %7ello# 8evol!tion& is associated #ith
(') Prod!ction of padd*
(B) Prodction of oilseeds (Answer)
(C) Prod!ction of tea
(D) Prod!ction of flo#er
9. (he common c!rrenc* #hich has been introd!ced
among members of 2!ropean 2conomic Comm!nit*
(22C) is 0no#n as
(') 2!ro po!nd
(B) !ro (Answer)
(C) 2!ro Dollar
(D) 1one of these
:. /hich of the follo#ing organi;ation < agencies
recentl* iss!ed g!idelines for fair practices code for
non=ban0ingfinance companies >
(') ?2BI
(B) 1'B'8D
(C) Central Board of Direct (axes
(D) "eserve Ban# of India (Answer)
1@. 's per the ne# g!idelines iss!ed b* the ?2BI$ m!t!al
f!nds are no# allo#ed to invest in #hich of the follo#ing
sectors >
(') ?ervice sector
(B) "eal estate (Answer)
(C) -an!fact!ring sector
(D) I( sector
(2) 1one of these

11. /hen decimal method #as introd!ced in the Indian
monetar* s*stem >
(') 1:4@
(B) 1:4.
($) %&'((Answer)
(D) 1:5@

1". /hich a!thorit* decides abo!t the states& share in cen
taxes >
(A) )inance commission(Answer)
(B) Planning commission
(C) 2lection commission
(D) 3inance ministr*

1+. ' larger part of the fiscal deficit in the !nion b!dgets is
filled b*
(') (ax reven!e
(B) Domestic borrowin*(Answer)
(C) 3oreign borro#ing
(D) Printing paper c!rrenc*

1.. %B?2 ?ensex& is an index to meas!re !ps and do#ns in
the share mar0et. (he n!mber of companies covered !nde
the index are
(A) +,(Answer)
(B) 4@
(C) 1@@
(D) 14@

14. %resham&s la#& in economics relates to
(') ?!ppl* and demand
(B) $irclation of crrency(Answer)
(C) Cons!mption of s!ppl*
(D) Distrib!tion of goods and services

15. /hich one of the follo#ing sets of so!rces of reven!e
belongs to the !nion government alone >
(') ift tax$ Aolding tax
(B) ?ales tax$ Income tax
($) $stom dties- $orporation tax(Answer)
(D) /ealth tax$ Band reven!e

16. Under the 1ational 8!ral 2mplo*ment !arantee
?cheme$ n!mber of da*s for #hich emplo*ment g!arantee
d!ring one *ear has been given is
(') :@ da*s
(B) %,, days (Answer)
(C) 1"@ da*s
(D) 19@ da


19. ' mixed econom* #or0s primaril* thro!gh the
(') -ar0et mechanism
(B) Central allocative machiner*
($) .ar#et mechanism re*lated by *overnment policy
(D) -ar0et mechanism g!ided b* government participation
and planning
1:. 3ree trade polic* refers to a polic* #here there is
(A) Absence of tariff(Answer)
(B) 8estriction on the movement of goods
(C) 2xistence of anti=d!mping polic*
(D) 2nco!ragement for balanced gro#th
"@. /hen a large n!mber of investors in a co!ntr* transfer
their investments else#here beca!se of dist!rbed econom
conditions$ it is called
(') (ransfer of capital
(B) 2scape of capital
(C) )!tflo# of capital
(D) )li*ht of capital(Answer)
"1. olden Aandsha0e ?cheme is associated #ith
(') Inviting foreign companies
(B) Private investment in p!blic enterprises
(C) 2stablishing Coint=enterprises
(D) /olntary retirement(Answer)
"". 'ccording to the ?.D. ?harma panel$ #hich of the
follo#ing doc!ments sho!ld be revalidated after a certain
period so that it cannot be mis!sed b* the people
(A) PA0 $ard(Answer)
(B) Credit Card

(C) Driving Bicence
(D) ID Cards iss!ed b* the election commission
(2) 1one of these
"+. Inflation occ!rs #hen aggregate s!ppl* is
(') -ore than aggregate demand
(B) 1ess than a**re*ate demand(Answer)
(C) 2,!al to aggregate demand
(D) 1one of the above
".. (he mid=da* meal scheme is la!nched b* the Union
-inistr* of
(') Aome 'ffairs
(B) ?ocial /elfare
($) 2man "esorce Development(Answer)
(D) 8!ral Development
(2) 1one of these
"4. (he s!bCect matter of the recentl* p!blished report of
Del0ar Committee is
(') 'gric!lt!ral debt
(B) ?hare mar0et scam
($) Tax system of India(Answer)
(D) 3oreign trade
"5.%C'P'8(& is engaged primaril* #ith #hich one of the
follo#ing in India >
(') e=governance
(B) ?hare=mar0et
($) "ral development(Answer)
(D) Poll!tion control
"6. 't present the 1ational commission on pop!lation is
!nder
(') Planning Commission
(B) -inistr* of A!man 8eso!rce Development
(C) Cabinet ?ecretariat
(D) .inistry of 2ealth(Answer)

"9. Decline in the price of goods and services is technicall
0no#n as
(A) Deflation(Answer)
(B) Inflation
(C) 1egative gro#th
(D) Disco!nt *ield
":. %Bl!e 8evol!tion& is related to
(') ?pace 8esearch
(B) )isheries(Answer)
(C) Drin0ing /ater
(D) Po!ltr*
+@. Index E8esidexF is associated #ith
(') ?hare Prices
(B) -!t!al 3!nd Prices
(C) Price Inflation Index
(D) 1and Prices(Answer)

+1. 2thanol mixed petrol is being sold in vario!s states #.e
Gan!ar* 1$ "@@+. (he percentage of ethanol in petrol is
(') 1@H
(B) 6H
(C) 5H
(D) 4I4H
(!) '3(Answer)

+". /hich one of the follo#ing is the correct se,!ence in th
decreasing order of contrib!tion of different sectors to the
ross Domestic Prod!ct of India >
(A) Services4Indstry4A*ricltre(Answer)
(B) ?ervicesJ'gric!lt!reJInd!str*
(C) Ind!str*J?ervicesJ'gric!lt!re
(D) Ind!str*J'gric!lt!reJ?ervices
++. Ao# man* models of %1ano& car are being made availa
initiall* >
(') @.
(B) ,+(Answer)
(C) @"
(D) @1
+.. /hich of the follo#ing co!ntries has the largest stoc0 o
foreign exchange reserves in the #orld >
(') U?'
(B) $hina(Answer)
(C) Gapan
(D) India
(2) 1one of these
+4. /hich one of the follo#ing is not an obCective of fiscal
polic* of Indian government >
(') 3!ll emplo*ment
(B) Price stabilit*
($) "e*lation of inter5state trade(Answer)
(D) 2,!itable distrib!tion of #ealth and income
+5. /ho form!lates the monetar* polic* in India >
(') ?2BI
(B) "BI(Answer)
(C) 3inance -inistr*
(D) Planning Commission


61e )!)%!)t$ o( t)& n&? tra"& po%#> are as fo..owsA

61e Ln#on 4overn-ent of 0n)#a on 5 J%ne 2012 anno%n*e) a new trade policya#-e) at a*1#ev#n$
20 per *ent #n*rease #n eDports to '0 <#..#on )o..ar #n t1e f#s*a. /ear 2012:1. 0n)#aIs eDports rew
</ 21 per *ent an) to%*1e) 0.7 <#..#on )o..ar #n 2011:12? w1#.e t1e tra)e )ef#*#t )%r#n$ t1e
sa-e per#o) eDpan)e) to 185 <#..#on )o..ar.
R 4overn-ent set t1e eDport tar$et for 2012:1 at 20 per *ent
R 2 per *ent #nterest s%<s#)/ s*1e-e eDten)e) t#.. 8ar*1 201
R 4overn-ent to anno%n*e new $%#)e.#nes to pro-ote !,Ss
R 0n*ent#ves for eDports fro- nort1:eastern states
R !1#p-ents fro- &e.1#? 8%-<a# t1ro%$1 post? *o%r#er or e:*o--er*e to $et eDport <enef#ts
R "ore#$n 6ra)e Po.#*/ )o*%-ent to <e -ore %ser fr#en)./
R 1 s1ows a<roa) to pro-ote Bran) 0n)#a
R !#n$.e revo.v#n$ <ank $%arantee for )#fferent eDport )ea.s
R !even new -arkets a))e) to "o*%s 8arket !*1e-e
R 8arket .#nke) fo*%s pro)%*t s*1e-e eDten)e) t#.. 8ar*1I1 for appare. eDport to L!( an) ,L
TTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTT
(**or)#n$ to t1e )ata re.ease) </ t1e Reserve Bank of 0n)#a (RB0) on 2 J%ne 2012? 0n)#a9s fore#$n
eD*1an$e reserve p.%--ete) </ 1.74 <#..#on )o..ar to 290 <#..#on )o..ar for t1e week en)e) 25
8a/ 2012. 61e RB0 )ata )#sp.a/e) a s1arp )e*.#ne #n t1e *o%ntr/9s foreD reserves for t1e fo%rt1
*onse*%t#ve week. 61e foreD reserves 1a) )roppe) </ 1.80 <#..#on )o..ar? 1.7 <#..#on )o..ar an)
2.18 <#..#on )o..ar? respe*t#ve./? #n t1e prev#o%s t1ree weeks.
61e )rop #n foreD reserve #s .ar$e./ )%e to sa.e of )o..ar </ t1e *entra. <ank to )efen)
*ons#stent./ fa..#n$ r%pee. 61e 0n)#an r%pee p.%n$e) to a re*or) .ow #n re*ent weeks an) stoo)
55.54 a$a#nst a )o..ar on 1 J%ne 2012. 61e r%pee fa.. for t1e n#ne *onse*%t#ve weeks #s t1e
.on$est .os#n$ streak s#n*e t1e 2008 e*ono-#* *r#s#s. RB0 1a) reporte)./ so.) )o..ars to arrest t1e
f%rt1er fa.. of 0n)#an r%pee.
61e va.%e of $o.) reserves of t1e *o%ntr/ for t1e week en)e) 25 8a/ 2012 re-a#ne) %n-ove) at
2'.'1 <#..#on )o..ar.
TTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTT
(**or)#n$ to )ata re.ease) </ 8#n#str/ of !tat#st#*s of 0n)#a on 1 J%ne 2012? B#1ar e-er$e) as t1e
state w#t1 1#$1est e*ono-#* $rowt1 rate #n t1e *o%ntr/. 61e state w1#*1 %nt#. re*ent./ was
s/non/-o%s w#t1 povert/? re*or)e) an #-press#ve 1.1 per *ent $rowt1 #n 2011:12. B#1ar toppe)
t1e .#st for se*on) *onse*%t#ve /ear. 61e state9s e*ono-/ even s%rpasse) t1e P%nEa< on t1e <a*k
of fo%r /ears of )o%<.e:)#$#t $rowt1.
61e state was *.ose./ fo..owe) </ &e.1# an) P%)%*1err/. C11att#s$a)1 an) 4oa were t1e ot1er
two states #n t1e .#st of top f#ve states. 6a-#. 5a)% an) 4%Earat? t1e two 1#$1./ #n)%str#a.#;e)
states re$#stere) t1e $rowt1 of 9.4 per *ent an) 9.1 per *ent respe*t#ve./ #n t1e f#s*a. /ear 2011:
12.
P%nEa<? .ea)#n$ foo) $ra#n pro)%*#n$ state of 0n)#a? (n)1ra Pra)es1 an) Garnataka? <ot1 t1e
1eart of t1e 06 se*tor of t1e *o%ntr/? an) Lttar Pra)es1? t1e *o%ntr/Is -ost pop%.o%s state?
re$#stere) $rowt1 of '.5% #n 2011:12? .ower t1an 0n)#aIs 4&P $rowt1.

(**or)#n$ to )ata re.ease) </ t1e Co--er*e 8#n#str/ #n 5ew &e.1# on 1 J%ne 2012 0n)#aIs eDports
re$#stere) a $rowt1 of .2 per *ent on /ear:on:/ear <as#s to 24.4 <#..#on )o..ar #n (pr#. 2012.
,Dports f#$%re #n (pr#. 2011 stoo) at 2.' <#..#on )o..ar. 61e s.%-p#n$ eDport f#$%res are .ar$e./
attr#<%te) to t1e s.ow#n$ $.o<a. )e-an) of $oo)s.
0-ports )%r#n$ t1e sa-e per#o) w#tnesse) a $rowt1 of .8 per *ent to 7.9 <#..#on )o..ar? *reat#n$
a tra)e )ef#*#t of 1.4 <#..#on )o..ar. 0n (pr#. 2012? t1e *o%ntr/Is o#. #-ports $rew a<o%t 7 per *ent
to 1.9 <#..#on )o..ar *o-pare) to t1e sa-e per#o) #n 2011. 5on:o#. #-ports eDpan)e) 2 per *ent
on /ear:on:/ear <as#s to 24 <#..#on )o..ar )%r#n$ (pr#. t1e f#rst -ont1 of f#s*a. /ear 2012:1.


+n an ann%a. <as#s 0n)#an eDports eDpan)e) 21 per *ent to 0.7 <#..#on )o..ar #n t1e f#s*a. /ear
2011:12. 61e #-ports )%r#n$ t1e sa-e per#o) $rew 2.2 per *ent to 488.' <#..#on )o..ar. 61e tra)e
)ef#*#t for t1e f%.. f#s*a. /ear was 184.9 <#..#on )o..ar.
( 1#$1er tra)e )ef#*#t w#.. 1ave an a)verse #-pa*t over a.rea)/ a#.#n$ 0n)#an e*ono-/. 61e
<roa)en#n$ tra)e )ef#*#t *o%.) worsen t1e *%rrent a**o%nt <a.an*e of t1e *o%ntr/ an) f%rt1er
weaken t1e r%pee.

61e $ross )o-est#* pro)%*t (4&P) )ata re.ease) </ t1e Centra. !tat#st#*a. +r$an#sat#on (C!+)?
1a) *appe) t1e 4&P $rowt1 rate of 0n)#a #n 2011:12 at '.5 per *ent? as a$a#nst t1e ear.#er
est#-ate of '.9 per *ent.
(**or)#n$ to t1e re*ent )ata re.ease) </ t1e Centra. !tat#st#*a. +r$an#sat#on 0n)#a9s e*ono-#*
$rowt1 rate p.%n$e) to 5. per *ent #n t1e Jan%ar/:8ar*1 2%arter of 2011:12. 61e f#$%re #s .owest
#n t1e past 9 /ears. 61e 4ross )o-est#* pro)%*t (4&P) $rowt1 )%r#n$ t1e *orrespon)#n$ per#o) of
2010:11 was 9.2 per *ent. 61e )epress#n$ f#$%re of e*ono-#* $rowt1 #s .ar$e./ attr#<%te) to poor
perfor-an*e of t1e -an%fa*t%r#n$ an) a$r#*%.t%re se*tors.
61e overa.. 4&P #n 2011:12 a.so *a-e )own to '.5 per *ent fro- 8.4 per *ent #n t1e 2010:11.
61e -an%fa*t%r#n$ se*tor s1owe) a s1arp./ *ontra*te) $rowt1 )%r#n$ t1e 2%arter en)#n$ 1
8ar*1 2012 as t1e $rowt1 f#$%re *a-e )own to 0. per *ent fro- 7. per *ent )%r#n$ t1e sa-e
per#o) of 2010:11.
($r#*%.t%re se*tor a.so $rew #n s#-#.ar fas1#on an) w#tnesse) a $rowt1 of E%st 1.7 per *ent )%r#n$
t1e .ast 2%arter? *o-pare) to 7.5 per *ent )%r#n$ t1e sa-e per#o) of 2010:11.
61e serv#*es se*tor re$#stere) 1#$1est $rowt1 rate? an) re-a#ne) %n*1an$e) at 10 per *ent #n t1e
fo%rt1 2%arter en)e) 8ar*1 2012.
4oa toppe) t1e .#st of t1e states w#t1 1#$1est per *ap#ta #n*o-e #n t1e *o%ntr/ w#t1 a tota. per
*ap#ta #n*o-e of 192'52 r%pees.
&e.1# w#t1 a tota. per *ap#ta #n*o-e of 1.75 .ak1 r%pees #n 2011:12 se*%re) se*on) spot #n t1e
.#st? fo..owe) </ >ar/ana w#t1 per *ap#ta #n*o-e of 109227 r%pees.
61e nat#ona. avera$e was est#-ate) at 8005 r%pees #n 2011:12 a$a#nst 599 r%pees #n 2010:11.
61e est#-ates K,R, prepare) as per -et1o)o.o$/ pres*r#<e) </ t1e Centra. !tat#st#*a.
+r$an#sat#on on t1e <as#s of prov#s#ona. )ata prov#)e) </ #t an) ot1er $overn-ent so%r*es.
61e Reserve Bank of 0n)#a on 2 8a/ 2012 p%<.#s1e) $%#)e.#nes for #-p.e-entat#on of t1e new
$.o<a. *ap#ta. a)e2%a*/ nor-s? *a..e) Base. 000? </ 8ar*1 2018. 0n)#an <anks w#.. 1ave to -a#nta#n
6#er 0 *ap#ta.? or *ore *ap#ta.? of at .east 7 per *ent of t1e#r r#sk we#$1te) assets on an on$o#n$
<as#s. 61e o<Ee*t#ve #s to stren$t1en r#sk -ana$e-ent -e*1an#s-. (s per t1e $%#)e.#nes spe*#f#e)
</ t1e *entra. <ank? *o--er*#a. <anks w#.. 1ave to -a#nta#n t1e#r tota. *ap#ta. a)e2%a*/ rat#o at
9 per*ent? 1#$1er t1an t1e -#n#-%- re*o--en)e) re2%#re-ent of 8 per*ent %n)er t1e Base. 000
nor-s.

0t was )e*#)e) t1at s*1e)%.e) *o--er*#a. <anks (eD*.%)#n$ L(Bs an) RRBs) operat#n$ #n 0n)#a w#..
1ave to -a#nta#n a -#n#-%- tota. *ap#ta. (86C) of 9 per*ent of tota. r#sk we#$1te) assets (RK(s)
as a$a#nst a 86C of 8 per*ent of RK(s as pres*r#<e) #n Base. 000 r%.es teDt of t1e BCB! (Base.
Co--#ttee on Bank#n$ !%perv#s#on).

(.so? <anks were )#re*te) to keep a *ap#ta. *onservat#on <%ffer of 2.50 per*ent. 0t essent#a../
-eans t1at <anks w#.. 1ave to set as#)e -ore *ap#ta. as <%ffer to avo#) a 2008:.#ke *r#s#s a$a#n.
+n fa#.#n$ to set as#)e t1e -ent#one) *ap#ta.? t1e <anks w#.. not <e a<.e to pa/ )#v#)en) an)
<on%s. 61e RB0 t#$1tene) t1e nor-s to -on#tor <anks9 #nvest-ents? #nter:*onne*te)ness an)
*ross:1o.)#n$s #n t1e f#nan*#a. se*tor serv#*es w1#*1 are <e/on) t1e a*t#ve re$%.ator/ p%rv#ew of
t1e *entra. <ank.


Base. 000 re2%#res <anks to 1ave a 1#$1er s1are of *ore *ap#ta. C w1#*1 #s e2%#t/ an) reserves.
Banks w#.. t1%s re2%#re a))#t#ona. Rs 1:1.5 .ak1 *rore over t1e neDt s#D /ears for )o#n$ t1e sa-e
.eve. of <%s#ness.

61e #-p.e-entat#on of t1e *ap#ta. a)e2%a*/ $%#)e.#nes <ase) on t1e Base. 000 *ap#ta. re$%.at#ons
w#.. <e$#n on 1 Jan%ar/ 201. Banks are to atta#n a -#n#-%- 6#er 0 *ap#ta. rat#o of 4.5 per *ent </
Jan%ar/ 201? 5.5 per *ent </ Jan%ar/ 2014? an) ' per *ent </ Jan%ar/ 2015. 61e new *ap#ta.
re$%.at#ons w#.. <e f%../ #-p.e-ente) </ 1 8ar*1 2018.

Ln)er t1e eD#st#n$ Base. 00 fra-ework? <anks are re2%#re) to -a#nta#n 6#er 0 *ap#ta. of at .east '
per *ent of t1e#r r#sk we#$1te) assets. Ln)er Base. 000? 6#er 0 *ap#ta. w#.. pre)o-#nant./ *ons#st of
*o--on e2%#t/? )ef#ne) as pa#):%p e2%#t/ *ap#ta.? s1are pre-#%-? s%rp.%ses ar#s#n$ fro- sa.e of
assets? ot1er )#s*.ose) free reserves? an) <a.an*e #n t1e prof#t an) .oss a**o%nt at t1e en) of t1e
f#nan*#a. /ear.
(**or)#n$ to t1e f#$%res re.ease) </ Contro..er 4enera. of (**o%nts (C4() on 1 8a/ 2012? 0n)#a9s
f#s*a. )ef#*#t ease) to 5.7 per *ent of 4&P? .ower t1an 5.9 per *ent proEe*te) #n t1e rev#se)
est#-ates #n t1e B%)$et.
"#s*a. )ef#*#t? t1e )#fferen*e <etween t1e $overn-entIs tota. re*e#pts an) eDpen)#t%re? *appe)
at 5.09 tr#..#on r%pees #n 2011:12. K1#.e t1e taD reven%e re*e#pts *%r<e) to '.1 tr#..#on r%pees
a$a#nst t1e proEe*te) f#$%re of '.42 tr#..#on r%pees? $overn-ent9s eDpen)#t%re <ot1 non:p.an
eDpen)#t%re an) p.an eDpen)#t%re a.so went )own at 8.84 tr#..#on r%pees an) 4.1 tr#..#on r%pees
respe*t#ve./. 61e reven%e )ef#*#t was at 4.% of 4&P.
61e $overn-ent #s work#n$ 1ar) to *%rta#. t1e <roa)en#n$ f#s*a. )ef#*#t an) a#-#n$ to <r#n$ #t
)own to 5.1 per *ent #n t1e f#s*a. /ear 2012:1. 0n or)er to -eet #ts f#s*a. )ef#*#t tar$et t1e
f#nan*e -#n#str/ #s e/e#n$ to *%t t1e s%<s#)/ <#.. to <e.ow 2 per *ent of 4&P #n t1e f#s*a. /ear
2012:1an) 1.75 per *ent #n t1e s%<se2%ent /ears. 61e s.ow#n$ e*ono-/ #s -ak#n$ #t )#ff#*%.t for
t1e $overn-ent to a*1#eve #ts f#s*a. )ef#*#t tar$et.
61e $ross )o-est#* pro)%*t (4&P) )ata re.ease) </ t1e Centra. !tat#st#*a. +r$an#sat#on (C!+)?
1a) *appe) t1e 4&P $rowt1 rate of 0n)#a #n 2011:12 at '.5 per *ent? as a$a#nst t1e ear.#er
est#-ate of '.9 per *ent.
MMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMM

(**or)#n$ to t1e re*ent )ata re.ease) </ t1e Centra. !tat#st#*a. +r$an#sat#on 0n)#a9s e*ono-#*
$rowt1 rate p.%n$e) to 5. per *ent #n t1e Jan%ar/:8ar*1 2%arter of 2011:12. 61e f#$%re #s .owest
#n t1e past 9 /ears. 61e 4ross )o-est#* pro)%*t (4&P) $rowt1 )%r#n$ t1e *orrespon)#n$ per#o) of
2010:11 was 9.2 per *ent. 61e )epress#n$ f#$%re of e*ono-#* $rowt1 #s .ar$e./ attr#<%te) to poor
perfor-an*e of t1e -an%fa*t%r#n$ an) a$r#*%.t%re se*tors.
61e overa.. 4&P #n 2011:12 a.so *a-e )own to '.5 per *ent fro- 8.4 per *ent #n t1e 2010:11.
61e -an%fa*t%r#n$ se*tor s1owe) a s1arp./ *ontra*te) $rowt1 )%r#n$ t1e 2%arter en)#n$ 1
8ar*1 2012 as t1e $rowt1 f#$%re *a-e )own to 0. per *ent fro- 7. per *ent )%r#n$ t1e sa-e
per#o) of 2010:11.
($r#*%.t%re se*tor a.so $rew #n s#-#.ar fas1#on an) w#tnesse) a $rowt1 of E%st 1.7 per *ent )%r#n$
t1e .ast 2%arter? *o-pare) to 7.5 per *ent )%r#n$ t1e sa-e per#o) of 2010:11.
61e serv#*es se*tor re$#stere) 1#$1est $rowt1 rate? an) re-a#ne) %n*1an$e) at 10 per *ent #n t1e
fo%rt1 2%arter en)e) 8ar*1 2012.
TTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTT
61e 0nternat#ona. 8onetar/ "%n) (08") on 27 (pr#. 2012 .owere) 0n)#a9s $rowt1 proEe*t#on to '.9
per *ent for 2012. 61e -%.t#.atera. a$en*/ #n Jan%ar/ proEe*te) 0n)#an e*ono-/ to $row to </ 7


per *ent for 2012. 61e s.as1e) $rowt1 proEe*t#on #s <roa)./ attr#<%te) to t1e *o%ntr/9s poor
perfor-an*e on t1e front of e*ono-#* refor-s an) s.ow#n$ #nvest-ent.
61e 08"? 1owever? -a#nta#ne) 0n)#a9s $rowt1 est#-ate for 201 at 7. per *ent. (s per t1e 08"?
t1e nat#ona. e*ono-/ $rew </ 7.1 per *ent .ast /ear.
61e 08"9s $rowt1 proEe*t#on #s an #n)#*at#on for t1e $overn-ent to eDpe)#te t1e pro*ess of
e*ono-#* refor-s w1#*1 1as .on$ <een v#*t#- of t1e *o%ntr/9s #nterna. po.#t#*a. *.%tter. 8an/ of
t1e #-portant refor-s are st#.. #n t1e p#pe.#ne w1#*1 nee)e) to <e approve) as soon as poss#<.e.
4overn-ent s1o%.) -ake s%re t1at #t #s tak#n$ a)e2%ate -aEors to <oost %p t1e sent#-ent of
#nvestors? w1o are #n*reas#n$./ $ett#n$ )#sen*1ante) of t1e f%t%re prospe*ts of 0n)#an ,*ono-/.
TTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTT
!tan)ar) = PoorIs )own$ra)e) *re)#t rat#n$ o%t.ook for 0n)#a to ne$at#ve fro- sta<.e on 25 (pr#.
2012. 61e *%t #n *re)#t rat#n$ #s t1e ref.e*t#on of 0n)#aIs w#)en#n$ f#s*a. an) *%rrent a**o%nt
)ef#*#ts.
61e ne$at#ve o%t.ook Eeopar)#ses 0n)#aIs .on$:ter- rat#n$ of BBB:? t1e .owest #nvest-ent $ra)e
rat#n$? an) sent 0n)#an <on)s? sto*ks an) t1e r%pee .ower.
0n)#a 1as no sovere#$n $.o<a. <on) #ss%es? <%t a )own$ra)e wo%.) #n*rease <orrow#n$ *osts for
.o*a. *o-pan#es an) -ake #t 1ar)er to ref#nan*e )e<t? an) -a/ 1ave a f%rt1er *1#..#n$ effe*t on
fore#$n #nvestor *onf#)en*e #n t1e *o%ntr/ #n $enera..
61e Ln#on $overn-ent on 11 (pr#. 2012 -a)e #t -an)ator/ for #n)#v#)%a.s w#t1 #n*o-e a<ove Rs
10 .ak1 to f#.e t1e#r taD ret%rns 2011:12 onwar)s e.e*tron#*a../. ,:f#.#n$ was -a)e *o-p%.sor/ for
t1e person w1o #s an #n)#v#)%a.? or a >#n)% Ln)#v#)e) "a-#./? #f 1#s or #ts tota. #n*o-e? or t1e
tota. #n*o-e #n respe*t of w1#*1 1e #s or #t #s assessa<.e %n)er t1e (*t )%r#n$ t1e prev#o%s /ear?
eD*ee)s Rs 10 .ak1 for assess-ent /ear 2012:1 onwar)s. ,:f#.#n$ for s%*1 #n)#v#)%a.s was
opt#ona. t#.. 2010:11. C%rrent./ <%s#ness 1o%ses w#t1 re*e#pts of Rs '0 .ak1 an) profess#ona.s w#t1
#n*o-e of Rs 15 .ak1 are -an)ator#./ re2%#re) to e:f#.e t1e#r ret%rn w#t1 )#$#ta. s#$nat%re.
TTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTT
Reserve Bank of 0n)#a (RB0) on 17 (pr#. 2012 #nstr%*te) *o--er*#a. <anks to re)%*e t1e#r
eDpos%re to $o.) .oan *o-pan#es to 7.5% of t1e#r *ap#ta. f%n)s fro- t1e eD#st#n$ 10%. 61e
)#re*t#ve w#.. #-pa*t t1e $o.) .oan *o-pan#es s%*1 as 8%t1oot "#nan*e an) 8anapp%ra- "#nan*e
as t1e/ w#.. re*e#ve .ess f%n)#n$.
61e Ln#on Ca<#net on 12 (pr#. 2012 approve) a proposa. to set %p a !pe*#a. P%rpose @e1#*.e (!P@)
for 4oo)s an) !erv#*es 6aD 5etwork (4!65) to 1e.p fa*#.#tate t1e s-oot1 #ntro)%*t#on of t1e new
#n)#re*t taD re$#-e.
4!65 !P@ #s to <e #n*orporate) as !e*t#on 25 not:for:prof#t pr#vate .#-#te) *o-pan/ #n w1#*1
strate$#* *ontro. wo%.) <e 1e.) </ t1e Centre. 0t w#.. prov#)e 06 #nfrastr%*t%re an) serv#*es to
var#o%s stake1o.)ers #n*.%)#n$ t1e Centre an) states.
61e !P@ w#.. 1ave an e2%#t/ *ap#ta. of Rs 10 *rore? w#t1 <ot1 t1e Centre an) states 1av#n$ stakes
of 24.5 per *ent ea*1. 5on $overn-ent #nst#t%t#ons wo%.) 1o.) 51 per *ent e2%#t/.
6B&n A&%o? ar& t)& )!)%!)t$ o( t)& A'"!&t .-+.-+*D
0n a <#) to en1an*e taD *o..e*t#on an) keep#n$ tra*k of 1#$1:va.%e propert/ transa*t#ons? t1e
Ln#on B%)$et for 2012:1 1as propose) 1% taD )e)%*te) at so%r*e on an/ )ea. of propert/ ot1er
t1an a$r#*%.t%re .an).
61e taD #s -an)ate) to <e pa#) #f t1e propert/ *ons#)erat#on #s over Rs 50 .ak1 #n spe*#f#e) %r<an
areas an) Rs 20 .ak1 #n an/ ot1er area. 61e transa*t#on w#.. <e re$#stere) on./ after t1e <%/er
prov#)es proof of )e)%*t#on an) pa/-ent of 6&!. 61e proposa. w#.. <e effe*t#ve fro- +*to<er 1?
2012.
0n*o-e taD eDe-pt#on .#-#t ra#se) to Rs.2 .ak1 fro- Rs.1.80 .a*s to prov#)e re.#ef of Rs.2?000
for a.. assesseesB 20 per *ent taD on #n*o-e over Rs.10 .ak1? %p fro- Rs.8 .ak1.
&e)%*t#on of %p to Rs.10?000 fro- #nterest fro- sav#n$s <ank a**o%nts.
&efen*e to $et Rs.1.9 .ak1 *rore )%r#n$ 2012:1.


!erv#*e taD rate ra#se) fro- 10 per *ent to 12 per *ent to <r#n$ #n Rs.18?''0 *rore.
5o *1an$e #n *orporate taDes <%t -eas%res to ena<.e t1e- <etter a**ess f%n)s.
K#t11o.)#n$ taD on eDterna. *o--er*#a. <orrow#n$s re)%*e) fro- 20 per *ent to f#ve per *ent
for power? a#r.#nes? roa)s? <r#)$es? affor)a<.e 1o%ses an) fert#.#ser se*tors.
5at#ona. !k#.. &eve.op-ent "%n) a..o*ate) Rs.1?000 *rore.
"o%r t1o%san) res#)ent#a. 2%arters to <e *onstr%*te) for para-#.#tar/ for*es w#t1 an
a..o*at#on ofRs.1?185 *rore.
5at#ona. Pop%.at#on Re$#ster to <e *o-p.ete) #n two /ears.
,D*#se )%t/ ra#se) fro- 10 to 12 per *ent.
C#ne-a #n)%str/ eDe-pte) fro- serv#*e taD.
Bran)e) s#.ver Eewe..er/ f%../ eDe-pt fro- eD*#se )%t/.
C%sto-s )%t/ on warn#n$ s/ste-s/tra*k %p$ra)e e2%#p-ent for ra#.wa/s re)%*e) fro- 10 per
*ent to 7.5 per *ent.
0-port )%t/ on e2%#p-ent for #ron ore -#n#n$ re)%*e) fro- 7.5 to 2.5 per *ent.
(..o*at#on of Rs.200 *rore for resear*1 on *.#-ate *1an$e.
0rr#$at#on an) water reso%r*e *o-pan/ to <e operat#ona.#se).
5at#ona. -#ss#on on foo) pro*ess#n$ to <e starte) #n *ooperat#on w#t1 state $overn-ents.
0nte$rate) C1#.) &eve.op-ent !*1e-e to <e stren$t1ene) an) restr%*t%re) w#t1 a..o*at#on
ofRs.15?850 *rore.
(..o*at#on of Rs.14?000 *rore for r%ra. water s%pp./ an) san#tat#on.
0nf%s#on of Rs.15?888 *rore #n p%<.#* se*tor <anks? re$#ona. r%ra. <anks an) 5(B(R& #n 2012:
1.
0nfrastr%*t%re w#.. re2%#re Rs.50 .ak1 *rore #n 12t1 P.an? 1a.f of t1#s fro- t1e pr#vate se*tor.
Co-p.et#on of 1#$1wa/ proEe*ts 44 per *ent 1#$1er t1an #n prev#o%s f#s*a..
,Dterna. *o--er*#a. <orrow#n$ of %p to U1 <#..#on per-#tte) for a#r.#ne se*tor.
,Dterna. *o--er*#a. <orrow#n$s per-#tte) to .ow:*ost 1o%s#n$ se*tor.
"ro- 2012:1? f%.. s%<s#)#es for prov#)#n$ foo) se*%r#t/B #n ot1er se*tors to t1e eDtent t1e
e*ono-/ *an <ear t1#s.
>ope to ra#se Rs.0?000 *rore fro- )#s#nvest-ents.
5ew e2%#t/ sav#n$s s*1e-e to prov#)e for #n*o-e taD )e)%*t#on of 50 per *ent for t1ose w1o
#nvest Rs.50?000 #n e2%#t/ an) w1ose ann%a. #n*o-e #s .ess t1an Rs.10 .ak1.
Corporate -arket refor-s to <e #n#t#ate).
B#..s on -#*ro:f#nan*e #nst#t%t#ons? nat#ona. .an) <ank an) p%<.#* )e<t -ana$e-ent a-on$
t1ose to <e #ntro)%*e) #n 2012:1.
0n)#aIs #nf.at#on str%*t%ra.? )r#ven .ar$e./ </ a$r#*%.t%ra. *onstra#nts.
C%rrent a**o%nt )ef#*#t .' per *ent #n 2011:12B t1#s p%t press%re on eD*1an$e rate.
4rowt1 #n 2012:1 est#-ate) at 7.' per *entB eDpe*t #nf.at#on to <e .ower.
Better -on#tor#n$ of eDpen)#t%re on $overn-ent s*1e-es.
"#s*a. 2011:12 /ear of re*over/ #nterr%pte)B rea.#t/ t%rne) o%t to <e )#fferent.
4&P $rowt1 #n 2011:12 est#-ate) at '.9 per *entB 1a) to <att.e )o%<.e )#$#t #nf.at#on for two
/ears.
4oo) newsA a$r#*%.t%re an) serv#*es *ont#n%e) to perfor- we..B e*ono-/ #s now t%rn#n$
aro%n)B re*over/ #n *ore se*tors.
Proposes to .ev/ taD on a.. serv#*es eD*ept 17 #te-s #n t1e ne$at#ve .#st fro- 2012:1
Proposes to ra#se a$r#*%.t%ra. *re)#t tar$et #n 2012:1 to 5.75 tr#..#on r%pees
0n*o-e 6aD on #n*o-e of Rs. 5 .ak1 to Rs10 .ak1 w#.. <e 20%A "8
0n*o-e 6aD s.a<s for #n)#v#)%a.sA Rs. 2 .ak1:5 .ak1A 10%B Rs. 5:10 .ak1A 20%B an) a<ove Rs. 10
.ak1 0%
0:6 )e)%*t#on of 50% on #nvest-ents of %p to Rs.50000 #n sav#n$s s*1e-es na-e) after RaE#v
4an)1#4ovt w#.. *ont#n%e to 1o.) 51% stake #n state owne) *o-pan#esA "86o #ntro)%*e RaE#v
4an)1# e2%#t/ s*1e-e for reta#. #nvestorsA "8
,Dports $rew </ 2%? #-ports $rew </ 29% A "8



Mon&> Mark&t M't'a% F'n" ;MMMF$< A 0n or)er to prov#)e a))#t#ona. s1ort:ter- #nvest-ent
reven%e? t1e RB0 en*o%ra$e) an) esta<.#s1e) t1e 8one/ 8arket 8%t%a. "%n)s (888"s) #n (pr#.
1992. 888"s are a..owe) to se.. %n#ts to *orporate an) #n)#v#)%a.s. 61e %pper .#-#t of 50 *rore
#nvest-ents 1as a.so <een .#fte). "#nan*#a. #nst#t%t#ons s%*1 as t1e 0&B0 an) t1e L60 1ave set %p
s%*1 f%n)s.

E$taA%$)m&nt o( t)& DFI A 61e &#s*o%nt an) "#nan*e >o%se of 0n)#a (&">0) was set %p #n (pr#.
1988 to #-part .#2%#)#t/ #n t1e -one/ -arket. 0t was set %p Eo#nt./ </ t1e RB0? P%<.#* se*tor Banks
an) "#nan*#a. 0nst#t%t#ons. &">0 1as p.a/e) an #-portant ro.e #n sta<#.#;#n$ t1e 0n)#an -one/
-arket.

E$taA%$)m&nt o( t)& CCIL A 61e C.ear#n$ Corporat#on of 0n)#a .#-#te) (CC0L) was set %p #n (pr#.
2001. 61e CC0L *.ears a.. transa*t#ons #n $overn-ent se*%r#t#es? an) repose reporte) on t1e
5e$ot#ate) &ea.#n$ !/ste-.

MONE8 MAR9ET 0t #n*.%)es Ca../ 5ot#*e 6reas%r/ B#..s 6er- 8one/ Cert#f#*ate +f &epos#t
Repo Co--er*#a. B#.. 0*) Co--er*#a. Papers
&e<t 8arket 0t #n*.%)es 4overn-ent !e*%r#t#es an) Bon)s. 4overn-ent !e*%r#t/ #n*.%)es R
Centra. 4ovt. !e*%r#t#es R !tate 4ovt. !e*%r#t#es Bon)s #n*.%)es R "ore#$n 0nvest-ent Bon)s R
P!L Bon)s R Corporate !e*%r#t#es
Cert#f#*ate +f &epos#t (J%ne?1989) !1ort ter- <orrow#n$s #n t1e for- of Lsan*e Pro-#ssor/
5otes 1av#n$ a -at%r#t/ of not .ess t1an 15 )a/s %pto a -aD#-%- of 1 /ear. !%<Ee*t to
pa/-ent of !ta-p &%t/ %n)er 0n)#an !ta-p (*t? 1899 (Centra. (*t) 61e/ are .#ke <ank ter-
)epos#t a**o%nts? free./ ne$ot#a<.e #nstr%-ents often referre) to as 5e$ot#a<.e C&.
"eat%res +f C& Can <e #ss%e) </ a.. s*1e)%.e) *o--er*#a. <anks eD*ept RRB9s 8#n#-%-
per#o) 15 )a/s? 8aD#-%- per#o) 1 /ear 5R0s *an s%<s*r#<e to C&s on non:repatr#a<.e <as#s.
8#n#-%- a-o%nt Rs.1 .a* = #n -%.t#p.es of Rs.1 .a* 6ransfera<.e </ en)orse-ent = )e.#ver/.
CRR = !LR are to <e -a#nta#ne). C&s are to <e sta-pe).
Ca.. 8one/ 8arket 0nte$ra. part of 0n)#an 8one/ 8kt.? w1ere t1e )a/:to:)a/ s%rp.%s f%n)s
(-ost./ of <anks) are tra)e). 61e .oans are of s1ort ter- )%rat#on var/#n$ fro- 1 to 14 )a/s.
61e -one/ t1at #s .ent for 1 )a/ #n t1#s -kt. #s known as F Ca.. 8one/ H? = #f #t eD*ee)s 1 )a/
(<%t .ess t1an 15 )a/s)? #t #s referre) to as F 5ot#*e 8one/ H.
Ca.. 8one/ 8arket "eat%res &ea.s #n .oans at *a.. an) s1ort not#*es. &ea.s w#t1 eDtre-e for-
of s1ort ter- .oansB 24 1o%rs? 7:15 )a/s -at%r#t/. Re*a..e) on )e-an) or s1ortest poss#<.e
not#*e. 5or-a../? *o..atera.s are not #ns#ste) %pon. 0n 0n)#a? C88 prov#)es fa*#.#t#es for #nter:
<ank ten)#n$. !%rp.%s s%pp.#ers of f%n)sA L60? !B0? L0C
Ca.. 8one/ 8arket Banks <orrow #n t1#s -arket for t1e fo..ow#n$ p%rposeA R 6o f#.. t1e $aps #n
f%n)s. R 6o -eet CRR = !LR -an)ator/ re2%#re-ents. R 6o -eet s%))en )e-an) for f%n)s
6reas%r/ B#..s 6:B#..s are #ss%e) </ 4ovt. of 0n)#a a$a#nst t1e#r s1ort ter- <orrow#n$
re2%#re-ents w#t1 -at%r#t#es ran$#n$ <etween 14 to '4 )a/s. (.. t1ese are #ss%e) at a
)#s*o%nt:to:fa*e va.%e. "or e$A a 6:B#.. of Rs.100 fa*e va.%e #ss%e) for Rs.91.50 $ets
re)ee-e) at t1e en) of #ts ten%re at Rs.100.

4#.t ,)$e) !e*%r#t#es 61e ter- 4overn-ent se*%r#t#es en*o-pass a.. <on)s = treas%r/ <#..s
#ss%e) </ t1e Centra. an) t1e !tate $ovt. 61ese se*%r#t#es are nor-a../ referre) to? as F$#.t:
e)$e)H as repa/-ents of pr#n*#pa. as we.. as #nterest are tota../ se*%re) </ sovere#$n
$%arantee. "eat%res 61ese se*%r#t#es 1ave a f#De) *o%pon t1at #s pa#) on spe*#f#* )ates on
1a.f:/ear./ <as#s. 8at%r#t/ )ates? fro- s1ort )ate) (.ess t1an one /ear) to .on$ )ate) (%pto
twent/ /ears). (va#.a<.e #n pr#-ar/ an) se*on)ar/ -arket. >#$1 .#2%#)#t/:se*%r#t#es *an <e
so.) #n t1e se*on)ar/ -arket at preva#.#n$ rates.



Highlights of RBI credit policy 17 Apr 2012
RBI CUTS REPO RATES
RB0 *%ts repo rate </ 50<p to 8%. Banks s1o%.) pass on 1#s *%t to <orrowers. 61#s -eans 1o-e
.oans? persona. .oans an) *orporate .oans *o%.) $et *1eaper.
Reverse repo rate a)E%sts to 7%
Cas1 Reserve Rat#o %n*1an$e) at 4.75%
RBI ON BAN9IN6 SECTOR
Banks not per-#tte) to *1ar$e pre:pa/-ent pena.t/ on 1o-e .oans. 61#s s1o%.) a..ow ref#nan*#n$
of eD#st#n$ 1o-e .oans at *o-pet#t#ve #nterest rates.
RB0 w#.. assess t1e feas#<#.#t/ of #ntro)%*#n$ -ore .on$ ter- f#De) rate .oan pro)%*ts. RB0
*on*erne) a<o%t )#fferent#a. #n reta#. an) <%.k )epos#t rates
RB0 asks <anks to 1ave <oar) approve) po.#*/ on .#a<#.#t#es
RBI ON 6OLD LOAN NBFC$
Bank eDpos%re to s#n$.e $o.) .oan 5B"C *appe) at 7.5%.
"or 5B"Cs a.so .en)#n$ to t1e #nfrastr%*t%re spa*e? a))#t#ona. 5 per *ent eDpos%re per-#tte)
V !1ort ter- .en)#n$ rate (repo) .owere) </ 0.50% to 8%
V Cas1 reserve rat#o (CRR) reta#ne) at 4.75%
V 4&P $rowt1 for 2012:1 proEe*te) at 7.%
V 8ar*1:en)? 2012:1 #nf.at#on eDpe*te) at '.5%
V Bank rate *%t </ 0.50% to 9%
V &epos#t $rowt1 pe$$e) at 1'%? *re)#t $rowt1 at 17%
V Lps#)e r#sk to f#s*a. )ef#*#t tar$et of 5.1%
V 4ovt <orrow#n$ -a/ )e*rease *re)#t f.ow to pvt se*tor
V L#2%#)#t/ *on)#t#ons -ov#n$ towar)s *o-fort ;one
V 6o #ss%e f#na. $%#)e.#nes on Base. 000 </ 8a/ 2012
V 6#$1tens nor-s for .en)#n$ a$a#nst $o.) </ 5B"Cs
V 5eDt -#):2%arter./ -onetar/ rev#ew on J%ne 18.

1. +BC #s %s#n$ "#na.e @ers#on 7.0.19



SOME IMPORTANT MENUS - FINACLE

1. ACS / ACSP - Account Selection / Account Selection Print
2. CUS - Customer Selection
3. LAAPSP - Term Loan Account Statement Print
4. FFDPSP - FFD Statement Print
5. ACTOD/ACTODAU - Tem!orar" o#er$ra%t
&. '(TC)* / '(TC)*AU - To u!$ate$ +O' %or ,aris-t-a Samman Sc-eme
.. O/(0+1 - o2ile /an3in4 'ssue
5. AC6F+SOL - AC trans%er 2et7een SOL//O
8. AC6F+SC - AC trans%er 2et7een Sc-eme 9Same *L:
1;.'(1AC)1 - 'n<uir" o% AC 2ase$ on C-< (o.

From DR Site -
A. MISREP -CREDIT -
1. CPSA - Consoli$ate$ !osition o% =AS/ SA ACs
2. UACCTL - Un a#aile$ Limits 9CC > TL:
3. C+=;4; - L'ST o% Unsecure$ AD,s
4. AD,2/D - A$#ances to /uil$ers De#elo!ers
5. L''TAT'O( - Limitation e?!ir" re!ort
&. L''T)'STO+@ - Limit )istor" +e!ort

B. MISREP - BRREP -
1. U(S=C* - Unsecure$ *uarantee an$ A$#ances +e!ort
2. (PA'(@ - AC $eclare$ (PA 7it-in 12 mont-s o% sanction 91uic3 ortalit":
3. ACOT+ - ACCOU(T OP=(=D / T+A(SF=++=D DU+'(* A P=+'OD
9SC)==A'S=:
4. ACSP - Account selection !rint 9t-is menu ma" 2e use$ %or #arious critaria - #iB. account
o!ene$ 2et7een t7o $ates an$ %or a !articular t"!e o% sc-eme 9use F& an$ !ut sc-eme t"!e
9CAAC CCAC S/AC TDA etc: in sc-eme t"!e %iel$.
5. L(SOL,AL - SOL =#olution 9%or Loans > A$#ances:
&. SC)2 - Sc-e$ule 2 re!ort
.. *LSU - *L > AC /alance +e!ort
5. /LTAL@ - Summar" o% /alances
8. CASAT6( - Cas- T?n a2o#e 1; LAC
1;. *LCO(+=P - *L /alances
11. CO(DDPO - Consoli$ate$ re!ort %or outstan$in4 DDSDPOs
12. SU(D+@ - Outstan$in4 Sun$r" =ntries +e!ort
13. SUSP=(S= - Outstan$in4 Sus!ense =ntries +e!ort
14. SUSP+='T - Outstan$in4 Sus!ense +emittance +e!ort
15. SA+=P - SA account list
1&. DOADO - +e!ort re4ar$in4 De!ositsC A$#ances > (PAs
1.. ACOP(+=* - Account o!ene$/ close$ / total in a !erio$ %or a sc-eme t"!e 9S/ACCCAC
CAAC TDAC LAA etc.:
15. A//D'S - A// c-ar4es $iscount allo7e$ re!ort
18. A,=+A*= - A#era4e /alance +e!ort
2;. *LFT+ - Date7ise FT+ +e!ort
21. US=D'(,=(T - Use$ 'n#entor" +e!ort
22. D+C+SU -De2it Cre$it summation inclu$in4 cas- 7it-$ra7al %rm AT
23. SU(D+@+=P - Summar" o% all Sun$r" Sc-eme T"!e Account in a re!ort



C .MISREP - IMPLREP -
1. O,DCCOD -
2. ATO+ - Account Turno#er 9Sc-e$ule - '':
3. C+CCOD - CC / OD Accounts 7it- C+ /alance
4. LOA(D'S/ - Loan Account Dis2urse$ +e!ort

D. MISREP -CMD -
1. DPP+=F -+e!ort on TD Account 7it- Di%%erential +ate o% 'nterest
2. A'P'+CDT - =#er" Fri$a" Position o% De#. A$t. =tc. 9Fri$a" to Fri$a" com!arison:
3. PODA - Position o% De# an$ AD,

E. INT-RET (MAIN MENUE)

E. MAIN MENU -

1. CLL - Loo3 u! %or Securit" in an account 9all securities attac-e$ 7it- !articular account ma"
2e in<uire$ #iB. stoc3 statementC 2oo3 $e2t etc.:
2. LCD+ - C-e<ue $icounte$ 2et7een t7o $ates re!ort
3. TOD+P - TOD +e4ister Print
4. *' - *uarantee =n<uir" 7it- $i%%erent criteria
5. /' - 'n<uir" on /ills on $i%%erent !arameters
&. '(T+=P - +e!ort on +ate o% 'nterest



DEPOSIT SCHEMES

SA7IN6S BAN9 DEPOSIT SCHEMES I UPDATED UPTO -+,-+,.-+.
C SCHEME SALIENT FEATURES
SCHEME
CODE
1.
+BC Lnnat#
&epos#t
!*1e-e
Mnm'm Ba%an#& R'ra% , S&m-UrAan,UrAan M&tro
K#t1o%t C1e2%e Book ` 500/: ` 1000/:
K#t1 C1e2%e Book ` 500/: ` 1000/:
5,"6/R64! at 50% *on*ess#ona. C1ar$es
5o *1e2%e <ook *1ar$es (0n*.%)#n$ -%.t#*#t/ *1e2%es)
"ree a**#)enta. #ns%ran*e %p to `50?000/: ("or 1st /ear on./) a(t&r t)at pr&m'm (or
n$'ran#& #oB&ra!& ?%% A& #)ar!&" N` `` `5/ 5/ 5/ 5/- -- -GS&rB#& Ta@ HR$50,-
Pres*r#<e) -ont1./ *1ar$es are .ev#e) on non:-a#ntenan*e of 8#n#-%- Ba.an*e.
Lo#k&r R&nt Fr&& (or I$t 8&ar ;(or n&? #'$tom&r$ on%>< $'AO&#t to aBa%aA%t> =
"&po$tn! o( *>&ar$ r&nt n a"Ban#&5
,C! &r/ Cr "ree? 0 Bank#n$ "a*#.#t/ "ree? 8o<#.e = !8! Bank#n$ "a*#.#t/ "ree
!B 219
2.
!av#n$ Bank
4enera.
Mnm'm Ba%an#& R'ra% , S&m-UrAan UrAan , M&tro
K#t1o%t C1e2%e Book `50/: ` 100/:
K#t1 C1e2%e Book `100/: ` 200/:
5o. of w#t1)rawa.s .#-#te) to 50 per 1a.f /ear.
50 .o*a. *1e2%e .eaves are free #n a *a.en)ar /ear for #n)#v#)%a.s.
Pres*r#<e) -ont1./ *1ar$es are .ev#e) on non:-a#ntenan*e of 8#n#-%- Ba.an*e.
!B 201
.
!av#n$s Bank
!taff
+n./ for Bank9s !taff -e-<ers.
5o 8#n#-%- Ba.an*e re2%#re) to <e -a#nta#ne).
(.. fa*#.#t#es free an) no *1ar$e to <e .ev#e).
!B 202
4.
!B Pranaa-
!av#n$s Bank
!en#or
C#t#;en
"or !en#or C#t#;ens.
K#t1o%t C1e2%e Book ` 20/: ` 20/:
K#t1 C1e2%e Book ` 250/: ` 250/:
5o *1ar$es for non:-a#ntenan*e of -#n#-%- <a.an*e
2 Re-#ttan*es a$$re$at#n$ to `10000/: p.-. free of *1ar$e
!B 20
5.
!B Pens#on
(**o%nt
(4ovt)
+n./ for 4overn-ent Pens#oners
K#t1o%t C1e2%e Book `20/: ` 20/:
K#t1 C1e2%e Book `250/: ` 250/:
5o *1ar$es for non:-a#ntenan*e of -#n#-%- <a.an*e
5o !erv#*e C1ar$es for Co..e*t#on / &#s*o%nt of Pens#on C1e2%es
2 Re-#ttan*es a$$re$at#n$ to `10000/: p.-. free of *1ar$e
!B 220
'.
!-art Pa/
!a.ar/
(**o%nts
"or sa.ar#e) persons w1ose sa.ar/ #s *re)#te) #n t1#s a**o%nt.
Sero Ba.an*e (**o%nt.
5o *1ar$es for non:-a#ntenan*e of -#n#-%- <a.an*e.
!B 204
7.
+r#enta.
!a.ar/ P.%s
;?&( +.-+.-
.-++<
AB&ra!& P'art&r%> Ba%an#&;mnm'm< ` `` `3---,- 5
"or sa.ar#e) persons w1ose sa.ar/ #s *re)#te) #n t1#s a**o%nt.
5,"6/R64! at 50% *on*ess#ona. C1ar$es
5o *1e2%e <ook *1ar$es (0n*.%)#n$ -%.t#*#t/ *1e2%es)
"ree a**#)enta. #ns%ran*e %p to `50?000/: ("or 1st /ear on./) a(t&r t)at pr&m'm (or
n$'ran#& #oB&ra!& ?%% A& #)ar!&" N` `` `253-GS&rB#& Ta@
Pres*r#<e) -#n#-%- <a.an*e *1ar$es are ;at pr&$&nt` `` ` .3-,- J'art&r%>< .ev#e) on non:
-a#ntenan*e of 8#n#-%- Ba.an*e.
,C! &r/ Cr "ree? 0 Bank#n$ "a*#.#t/ "ree? 8o<#.e = !8! Bank#n$ "a*#.#t/ "ree? C8! at
*on*ess#ona. rate? &e-at (**o%nt C1ar$es wa#ve) for 0st /ear.
!B221
8. !B @#)/art1#
Sero Ba.an*e a**o%nt for !*1oo./*o..e$e st%)ents.
7C(!>8(6,9 &e<#t *ar) w#.. <e #ss%e) to st%)ent w#t1 a -aD#-%- +& .#-#t fa*#.#t/ of `
1500/: W *.ean +& #nterest at an/ po#nt of t#-e.
C1e2%e <ook on./ to -aEor st%)ent. (68 to a.. st%)ents a<ove 14 /ears of a$e.
!B 217
9.
+BC Jeevan
!art1# 3oEna

(!*1e-e for
p1/s#*a../
*1a..en$e)
Sero <a.an*e (**o%nt. 5o -#n#-%- <a.an*e *1ar$es.
C8+ of an/ 4ovt. >osp#ta. #s Co-petent (%t1or#t/ for Cert#f/#n$ &#sa<#.#t/.
Co..e*t#on of #nstr%-ents at par.
0ss%an*e of &&s/P+s at par (,D*ept a$a#nst *as1).
5o !tan)#n$ 0nstr%*t#on C1ar$es.
"ree (BB Cas1 6ransa*t#ons %p to ` 50000/
!B 214


SA7IN6S BAN9 DEPOSIT SCHEMES I UPDATED UPTO -+,-+,.-+.
SCHEME
CODE
persons) 5o !top Pa/-ent C1ar$es.
"ree (**#)enta. 0ns%ran*e of ` +ne La*;Wt)"ra?n ?&( *+--+-.-++<.
10.

!B Bas#*
5o "r#.. (/C

("or f#nan*#a.
#n*.%s#on)
0n#t#a. )epos#t of `10/:.
Ba.an*e not to eD*ee) `50000/: #n a.. a**o%nts taken to$et1er at an/ po#nt of t#-e.
6ota. *re)#ts #n a/* not to eD*ee) `1 .a* #n pre*e)#n$ 12 -ont1s.
!#-p.#f#e) G3C pro*e)%re.
8aD#-%- ' w#t1)rawa.s per -ont1 per-#tte) free of an/ *1ar$es. "or a))#t#ona.
w#t1)rawa.s ` 5 per w#t1)rawa. to <e .ev#e).
(68 Car) = C1e2%e Book fa*#.#t/ a..owe).
!B 212
11.
!av#n$ !-art
!ave 4o.)

".eD# "#De)
&epos#t

(vera$e X%arter./ Cre)#t Ba.an*e ` 50?000/:
Ba.an*e a<ove ` 50000/: w#.. a%to-at#*a../ <e *onverte) #nto 6er- &epos#t.
5o C1ar$es for C1e2%e Books.
"ree 5,"6/R64! fa*#.#t/.
!pee) C.ear#n$ C1ar$es C "ree. "ree ,C! )e<#t an) *re)#t.
0nstant *re)#t of +/s *1e2%e %pto ` 50000/:
(t par *o..e*t#on of 4ovt. C1e2%es.
(**#)ent 0ns%ran*e *overa$e %pto ` 2?00?000/:;Wt)"ra?n ?&( *+--+-.-++<.
!B 209
12.
!av#n$ !-art
!ave

".eD# "#De)
&epos#t

Ba.an*e a<ove ` 25000/: w#.. a%to-at#*a../ <e *onverte) #nto 6er- &epos#t.
50% *on*ess#on #n 5,"6/R64! C1ar$es.
!pee) C.ear#n$ C1ar$es C "ree. "ree ,C! )e<#t an) *re)#t
0nstant *re)#t of +/s *1e2%e %pto ` 25000/: 5o C1ar$es for C1e2%e Books.
(**#)ent 0ns%ran*e *overa$e %pto ` 1?00?000/: ;Wt)"ra?n ?&( *+--+-.-++<.
(t par *o..e*t#on of 4ovt. C1e2%es.
!B 211
1.
5R+ !av#n$
Bank (/Cs

(C(/P&!/6&
a.so a..owe))
0n 0n)#an R%pees. Lo*a. "%n)s/"%n)s fro- a<roa).
(/C *an <e opene) </ 5R0 / P0+.
(n/ res#)ent $o#n$ a<roa) for $a#nf%. e-p.o/-ent? 1#s )o-est#* a**o%nt w#.. <e
*onverte) #nto 5R+ a/*.
0f 1e/s1e )oes not 1ave an/ )o-est#* a/*? 1e/s1e *an open a 5R+ a/*.
Jo#nt a/* w#t1 Res#)ents/5on:Res#)ents per-#tte).
5on:repatr#a<.e eD*ept to t1e eDtent of L!& one -#..#on per f#nan*#a. /ear #n*.%)#n$
sa.e pro*ee)s of #--ova<.e propert/.
!B 205
14.
5R, !av#n$
Bank (/Cs
(C(/P&!/6&
a.so a..owe))
0n 0n)#an R%pees. "%n)s fro- a<roa).
(/C *an <e opene) </ 5R0 / P0+.
(n/ res#)ent $o#n$ a<roa) for $a#nf%. e-p.o/-ent *an open 5R, a**o%nt.
Jo#nt a/* w#t1 Res#)ents not per-#tte).
Jo#nt a/* w#t1 5on:Res#)ents per-#tte).
P.(. >o.)er *an operate t1e a**o%nt. "ree./ Repatr#a<.e.
!B 20'
15.
R"C !av#n$
Bank (/Cs
(C(/P&!/6&
a.so a..owe))
0n "ore#$n C%rren*/. L!&? 4BP an) ,%ro
(n/ ret%rn#n$ 5R0 w1o 1as sta/e) a<roa) *an open R"C a/*.
Jo#nt a/* per-#tte)
"ree./ Repatr#a<.e.
!B 207
1'.
!av#n$ Bank
Cap#ta. 4a#ns
!*1e-e 1988
(6aD !aver)
(**o%nt 7(9
for !B/C(
(**o%nt 7B9
for 6&
6aD !aver !*1e-e
,De-pt#on fro- Cap#ta. 4a#ns 6aD %/s 54? 54B? 54&? 54" an) 544 of 0n*o-e 6aD (*t?
19'1 a..owe).
+pt#on to open (**o%nt 7(9 or 7B9.
0nterest or w#t1)rawa. fro- (**o%nt 7B9 *an <e -a)e t1ro%$1 (**o%nt 7(9 on./.
0ntro)%*t#on of t1e )epos#tor nee) not <e #ns#ste) %pon.
Jo#nt a**o%nt not per-#tte).
C1e2%e Book fa*#.#t/ not a..owe).
K#t1)raw. of 0nterest )oes not re2%#re per-#ss#on fro- 06 a%t1or#t/ .#ke t1e w#t1)raw.
of Pr#n*#pa. a-o%nt.
!pe*#a. (**o%nt +pen#n$ "or- to <e o<ta#ne) #n )%p.#*ate.
61e for-s as o<ta#ne) )%r#n$ t1e *o%rse of operat#on of a**o%nt / w#t1)rawa.s /*.os%re
of a**o%nts to <e s%<-#tte) to t1e 06 a%t1or#t/ w#t1#n 7 )a/s of t1e *.ose of t1e -ont1.
!B 208



CURRENT ACCOUNTS DEPOSIT SCHEMES I UPDATED UPTO -+,-+,.-+.
SCHEME
CODE
1.
Pra$at# C(
!*1e-e
K#t1 C1e2%e Book `1000/: ` 2500/:
"ree Persona. (**#)ent (&eat1) 0ns%ran*e Cover of `1 La* (1
st
/ear) a(t&r t)at
pr&m'm (or n$'ran#& #oB&ra!& ?%% A& #)ar!&" N` `` `/,-GS&rB#& Ta@
Ka#ver of 100% (BB C1ar$es )%r#n$ t1e 1
st
/ear.
Ka#ver of &e-at (/C -a#ntenan*e *1ar$es for one /ear.
())#t#ona. Benef#ts A ("or (/Cs -a#nta#n#n$ avera$e )a#./ C( <a.an*e of ` 5 La* or
-ore)
"ree &raft 0ss%an*e "a*#.#t/? "ree R64! "a*#.#t/ %p to ` 5 La*s.
(>owever? -an)ator/ RB0 *1ar$es p.%s app.#*a<.e serv#*e taD s1a.. <e re*overa<.e).
C( 11
2.
C%rrent
(**o%nt
(4enera.)
K#t1 C1e2%e Book ` 250/: ` 500/:
5or-a. C%rrent (/C
C( 101
.
C%rrent
(**o%nt
Pre-#%-
4o.) : ""&

".eD# "#De) &epos#t
(vera$e X%arter./ Cre)#t Ba.an*e ` 2?00?000/:
Ba.an*e a<ove ` 200000/: w#.. a%to-at#*a../ <e *onverte) #nto "&R/C&R.
5o C1ar$es for C1e2%e Books
50% *on*ess#on #n 5,"6/R64! *1ar$es.
C( 109
4.
C%rrent
(**o%nt
@/apar !#.ver
: ""&
".eD# "#De) &epos#t
Ba.an*e a<ove ` 50000/: w#.. a%to-at#*a../ <e *onverte) #nto "&R/C&R.
100 ($$re$ate "ree C1e2%e Leaves (Lo*a. or 8%.t# *#t/)
C( 110
5.
C%rrent
(**o%nt
Cap#ta. 4a#ns
!*1e-e 1988
(6aD !aver)

(**o%nt 7(9
for !B/C(
(**o%nt 7B9
for 6&
,De-pt#on fro- Cap#ta. 4a#ns 6aD %/s 54? 54B? 54&? 54" an) 544 of 0n*o-e 6aD
(*t? 19'1 a..owe).
+pt#on to open (**o%nt 7(9 or 7B9.
0nterest or w#t1)rawa. fro- (**o%nt 7B9 *an <e -a)e t1ro%$1 (**o%nt 7(9 on./.
0ntro)%*t#on of t1e )epos#tor nee) not <e #ns#ste) %pon.
C1e2%e Book fa*#.#t/ not a..owe).
K#t1)rawa. of 0nterest )oes not re2%#re per-#ss#on fro- 06 a%t1or#t/ .#ke t1e
w#t1)rawa. of Pr#n*#pa. a-o%nt.
!pe*#a. (**o%nt +pen#n$ "or- to <e o<ta#ne) #n )%p.#*ate.
61e for-s as o<ta#ne) )%r#n$ t1e *o%rse of operat#on of a**o%nt / w#t1)rawa.s
/*.os%re of a**o%nts to <e s%<-#tte) to t1e 06 a%t1or#t/ w#t1#n 7 )a/s of t1e *.ose
of t1e -ont1.
C( 111
'.
5R, C%rrent
(**o%nt
(!B/P&!/6&
a.so a..owe))
0n 0n)#an R%pees. 8#n#-%- Ba.an*e `1000/:
"%n)s fro- a<roa). (/C *an <e opene) </ 5R0 / P0+.
(n/ res#)ent $o#n$ a<roa) for $a#nf%. e-p.o/-ent *an open 5R, a**o%nt.
Jo#nt a/* w#t1 Res#)ents / 5on:Res#)ents per-#tte).
P.(. >o.)er *an operate t1e a**o%nt. "ree./ Repatr#a<.e.
C( 102
7.
5R+ C%rrent
(**o%nt
(!B/P&!/6&
a.so a..owe))
0n 0n)#an R%pees. 8#n#-%- Ba.an*e `1000/:
Lo*a. "%n)s/"%n)s fro- a<roa). (/C *an <e opene) </ 5R0 / P0+.
(n/ res#)ent $o#n$ a<roa) for $a#nf%. e-p.o/-ent? 1#s )o-est#* a**o%nt w#.. <e
*onverte) #nto 5R+ a/*.
0f 1e/s1e )oes not 1ave an/ )o-est#* a/*? 1e/s1e *an open a 5R+ a/*.
Jo#nt a/* w#t1 Res#)ents/5on:Res#)ents per-#tte).
5on:repatr#a<.e eD*ept to t1e eDtent of L!& one -#..#on per f#nan*#a. /ear #n*.%)#n$
sa.e pro*ee)s of #--ova<.e propert/.
C( 10
8. ,,"C C(
0n "ore#$n C%rren*/. L!&? 4BP? ,%ro? Cana)#an U an) (%stra.#an U.
"%n)s fro- a<roa).
(n/ t/pe of re-#ttan*es *o-#n$ fro- a<roa) *an <e kept #n ,,"C (/C.
"ree./ Repatr#a<.e.
C( 104
9.
0-prest
(**o%nt
Bran*1es -a#nta#n#n$ C%rrent (/Cs of ,Dtens#on Co%nters? Lea) Bank +ff#*es? !6Cs?
!p.. Co..e*t#on Centres? !tat#oner/ 4o)owns? Centra. Cas1 Centres? C%rren*/
C1ests? !ate..#te +ff#*es? (ssets Re*over/ Ce..s? 0nspe*torates? !erv#*e Bran*1es?
C( 105


CURRENT ACCOUNTS DEPOSIT SCHEMES I UPDATED UPTO -+,-+,.-+.
SCHEME
CODE
80CR Centre.
10. Banker9s C( C%rrent (/Cs of Banks -a#nta#ne) w#t1 t1e Bran*1es. C( 10'
11.
C( 8ar$#n
8one/
8ar$#n 8one/ kept #n C/(s a$a#nst #ss%e of L/Cs? 4%arantees? et*. C( 107
12.
&o-est#* R"C
!*1e-e
0n "ore#$n C%rren*/. Res#)ents *an open t1#s (/C.
"ree./ Repatr#a<.e.
C( 108
1.
&#v#)en)
Karrant C(
(/Cs opene) </ t1e Co-pan#es to pa/ &#v#)en). C( 112
14. ,:6(Y (C (/C opene) </ o%r Bran*1es/+ff#*es for on.#ne re-#ttan*e of 6&! &e)%*te) C( 117

TERM DEPOSITS SCHEMES I UPDATED UPTO -+,-+,.-+.
C SCHEME AMOUNT PERIOD SPECIAL FEATURES SCHEME CODE
1.
"#De) &epos#t

(6#-e./
(ppre*#at#on)
8#n#-%- `100/:
07 )a/s to
120 -ont1s
0nterest Pa/a<.e X%arter./
6& 01
(Xt/. L#2.)
6& 02
(K#t1o%t L#2.)
6& 08
&#ff.0ntt.Rate
6& 11 "&R:
Banks
6& 12 4ovt
!pon !%<s#)/
2.
C%-%.at#ve
&epos#t

(8one/
8%.t#p.#er)
8%.t#p.es of
`100/:
' -ont1s to
120 -ont1s
0n -%.t#p.es
of -ont1s
X%arter./ Co-po%n)#n$
L%-p !%- pa/-ent on -at%r#t/
6& 0
6& 09
&#ff.0ntt.Rate
6& 10 Co%rt
C.a#-
. Ca.. &epos#t (t Ca..
0ss%e) #n favor of <enef#*#ar#es on
a**o%nt of app.#*ants
Sero 0nterest
6& 04
4.
8ont1./ 0n*o-e
&epos#t

(0n*o-e P.%s)
(-o%nt #s
a**epte) so t1at
8ont1./ 0n*o-e
#s #n -%.t#p.es of
`10/:
12 -ont1s
to 120
-ont1s
0nterest #s pa#) on 8ont1./ <as#s.
Pr#n*#pa. pa#) on -at%r#t/.
6& 05
5.
!%v#)1a &epos#t

(".eD#<#.#t/)
8#n#-%-
` 2000/:
0n 8%.t#p.es of
`1000/:
12 -ont1s
to 120
-ont1s
Part#a. w#t1)rawa. #n -%.t#p.es of %n#ts
of `1000/: a..owe).
Re-a#n#n$ %n#ts *ont#n%e to earn
#nterest at Contra*te) Rate.
6& 0'
'.
Cap#ta. 4a#ns
!*1e-e 1988
(6aD !aver)

(**o%nt 7(9 for
!B/C(
(**o%nt 7B9 for
6&

,De-pt#on fro- Cap#ta. 4a#ns 6aD %/s
54? 54B? 54&? 54" an) 544 of 0n*o-e
6aD (*t? 19'1 a..owe).
0nterest or w#t1)rawa. fro- (**o%nt 7B9
*an <e -a)e t1ro%$1 (**o%nt 7(9 on./.
0ntro)%*t#on of t1e )epos#tor nee) not
<e #ns#ste) %pon.
K#t1)rawa. of 0nterest )oes not re2%#re
per-#ss#on fro- 06 a%t1or#t/ .#ke t1e
w#t1)rawa. of Pr#n*#pa. a-o%nt.
!pe*#a. (**o%nt +pen#n$ "or- to <e
o<ta#ne) #n )%p.#*ate.
61e for-s as o<ta#ne) )%r#n$ t1e *o%rse
of operat#on of a**o%nt / w#t1)rawa.s
/*.os%re of a**o%nts to <e s%<-#tte) to
t1e 06 a%t1or#t/ w#t1#n 7 )a/s of t1e
*.ose of t1e -ont1.
6& 1:"&R
6& 14:C&R


7.
5R,
"&R / C&R

(!B/C(/P&! a.so
a..owe))
0n 0n)#an R%pees.
(`)
"%n)s fro-
a<roa).
1 to /ears
(/C *an <e opene) </ 5R0/ P0+.
(n/ res#)ent $o#n$ a<roa) for $a#nf%.
e-p.o/-ent *an open 5R, a**o%nt.
"ree./ Repatr#a<.e.
,De-pte) fro- a.. taDes.
6& 21:"&R
Xt/.L#2.
6& 25:C&R
8.
5R+
"&R / C&R

(!B/C(/P&! a.so
a..owe))
0n 0n)#an R%pees.
(`)
Lo*a.
"%n)s/"%n)s
fro- a<roa).
(s
app.#*a<.e
to )o-est#*
6&
(/C *an <e opene) </ 5R0/ P0+.
e-p.o/-ent? 1#s )o-est#* a**o%nt w#..
<e *onverte) #nto 5R+ a/*.
0f 1e/s1e )oes not 1ave an/ )o-est#*
a/*? 1e/s1e *an e.e*t to open a 5R+
a/*.
Jo#nt a/* w#t1 Res#)ents/5on:Res#)ents
per-#tte).
5on:repatr#a<.e eD*ept to t1e eDtent of
L!& one -#..#on per f#nan*#a. /ear
#n*.%)#n$ sa.e pro*ee)s of #--ova<.e
propert/.
5o 6aD eDe-pt#ons.
6& 22:"&R Xt/.
L#2.
6& 2:"&R 5on
L#2.
6& 24:C&R

9.
"C5R (B)
"&R / C&R

(+n./ 6&
a..owe))
"%n)s fro-
a<roa).
0n "ore#$n
C%rren*/ L!&?
4BP? ,%ro?
Cana)#an U an)
(%stra.#an U.

8#n#-%- 12
-ont1s
8aD#-%- 5
/ears
(/C *an <e opene) </ 5R0/ P0+.
e-p.o/-ent *an open "C5R (B) a**o%nt.
"ree./ Repatr#a<.e.
,De-pte) fro- a.. taDes.
6& 1:"&R
6& 2:C&R
10.
R"C
"&R / C&R

(!B/C(/P&! a.so
a..owe))
"%n)s fro-
a<roa).
0n "ore#$n
C%rren*/.
L!&? 4BP? ,%ro?
Cana)#an U an)
(%stra.#an U.
8#n#-%- 12
-ont1s
8aD#-%- 5
rears
(n/ ret%rn#n$ 5R0 w1o 1as sta/e) a<roa)
*an open R"C a/*.
Jo#nt a/* per-#tte)
"ree./ Repatr#a<.e.
6& :"&R
6& 4:C&R
11.
,,"C &epos#t
!*1e-e

(+n./ C(
(..owe). (fter
1/10/2008? 6&
not a..owe).)
8#n#-%-
L!&/4BP/ ,LR+
10000 = #n
-%.t#p.es of
1000 %n#ts.
8aD. to t1e
eDtent of L!& 1
-n or #ts
e2%#va.ent #n
ot1er *%rren*#es
per eDporter
8#n#-%- 1
-ont1.
8aD. 1 /ear
-at%r#n$ on
or <efore
1.10.2008
(n/ fore#$n eD*1an$e earne) </
eDporters *an <e kept #n ,,"C (/C.
0n "ore#$n C%rren*/.
(L!&? 4BP = ,%ro.)
"ree./ Repatr#a<.e.
Pre-at%re pa/-ent = over)%e renewa.
as per $%#)e.#nes for "C5R(B).
Pre-at%re renewa. not a..owe).
6& 5:"&R
12.
6aD !av#n$
C&R/"&R/80&R
(6aD sav#n$ %/s
80 C)
8#n#-%- `100/:
= 8aD#-%-
`100?000/:
Per#o) s1a..
not <e .ess
t1an 5 /rs
P(5 Re2%#re)? 5o Loan? 5o L#en? 5o
Pre-at%re Pa/-ent
6& 41:C&R
6& 42:"&R:L#2.
6&:4
80&R
1.
Pro$ress#ve
&epos#t 4enera.
(&rop </ )rop
-akes an o*ean)
8%.t#p.es of
`10/:
' -ont1s to
120 -ont1s
(0n
-%.t#p.es of
-t1s)
(-o%nt #s )epos#te) #n -ont1./
0nsta..-ents.
L%-p !%- Pa/-ent on -at%r#t/.
P& 15
14.

+BC ()1aar

@ar#a<.e
Core -ont1./
#nsta..-ent #n
8%.t#p.es of
`10/:
12 -ont1s
to 120
-ont1s
(-o%nt of -ont1./ 0nsta..-ent -a/ var/
%p to 10 t#-es of t1e Core (-o%nt or
`50?000/: w1#*1ever #s .ess.
P& 1'


Pro$ress#ve
&epos#t
(6a#.or -a)e)
8aD#-%-
`50?000/:
L%-p !%- Pa/-ent on -at%r#t/.
Loan fa*#.#t/ C 95% of (**r%e) va.%e
15.
".eD# "#De)
&epos#t

(L#2%#)#t/ of
!B/C( = 1#$1er
ret%rns of "#De)
&epos#ts)
+perat#ve
(**o%nts
8#n. av$.
2%arter./
<a.an*e
`
(%to
!weep
Ln#t
`
Reverse
!weep
Ln#t
`
Pena.t/
/ 2tr for
-#n.<a..
`
Per#o)
of
""&
!B !-art
!ave
25?000/: 5000/: 2000/: 150/:
!av#n$
!-art !ave
4o.)
50?000/: 5000/: 2000/: 450/:
90
)a/s to
5 /ears
C( Pre-#%-
4o.)
200?000/: 25?000/: 25?000/: 1000/: 15 to
45
)a/s
FOR SB .++D-
6&7' : "&R (00)
6&82 C "&R
(0+)
6&8 C C&R

FOR SB .-/ D-
6&78 : "&R (00)
6&8' C "&R
(0+)
6&87 C C&R
FOR CA +-/D-
6& 79 : "&R
1'.
+r#enta.
4ra-een Ja-a
3oEana

(Pro$ress#ve
&epos#t C
"#nan*#a.
0n*.%s#on)
8#n#-%-
#nsta.-ent of
`5/ an) #n
-%.t#p.es
t1ereof
not eD*ee)#n$
`500 )%r#n$ t1e
-ont1.
12 -ont1s
to 10 3rs
X%arter./ Co-po%n)#n$.
Loan to t1e )epos#tor %pto a -aD#-%-
of 75% of t1e a**r%e) a-o%nt of )epos#t
w#t1 a -#n#-%- of `200/: ava#.a<.e w#t1
0nterest W1% p.a. over an) a<ove t1e
)epos#t rate app.#*a<.e.

LE6AL ASPECTS
(s per w1#*1 prov#s#on of !e*%r#t#;at#on (*t 2002? app.#*at#on *an <e f#.e) <efore *o..e*tor/ &8
for $ett#n$ p1/s#*a. possess#on of t1e !e*%re) (sset : !e*t#on 14 of t1e (*t
(s per w1#*1 prov#s#on #n !e*%r#t#;at#on (*t 2002? (ppea./(pp.#*at#on *an <e f#.e) <efore &R6
</ t1e Borrower : !e*t#on 17 of t1e (*t (w#t1#n 45 )a/s)
(s per w1#*1 prov#s#on #n !e*%r#t#;at#on (*t 2002? !e*on) appea. *an <e f#.e) </ t1e Borrower/
4%arantor to &R(6 : !e*t#on 18 of t1e (*t (w#t1#n 0 )a/s)
L#-#tat#on for f#.#n$ eDe*%t#on Pet#t#on after o<ta#n#n$ &e*ree : 12 /ears
8aD#-%- = 8#n#-%- -e-<ers #n a Pvt. Lt). Co-pan/ : 50 = 2
8#n#-%- -e-<ers #n a P%<.#* Lt). Co-pan/ : 7
8aD#-%- n%-<er of -e-<ers #n a partners1#p f#r- #f #t #s a Bank#n$ *o-pan/ : 10
8aD#-%- n%-<er of -e-<ers #n a partners1#p f#r- #f #t #s not a Bank#n$ *o-pan/ : 20
8#n#-%- )#re*tors #n a Pvt. Lt). Co-pan/ : 2
8#n#-%- )#re*tors #n a P%<.#* Lt). Co-pan/ :
6#-e .#-#t for 1av#n$ t1e f#rst stat%tor/ -eet#n$ of a *o-pan/ after t1e #n*orporat#on of a
*o-pan/ : w#t1#n ' -ont1s
Pe*%n#ar/ E%r#s)#*t#on of &R6 : 10 .a* = a<ove
8aD#-%- *o%rt fee to <e pa#) #n &R6 : 1.50 .a*
8#n#-%- *o%rt fee to <e pa#) #n &R6 : 12?000/: %p to `10 .a*s? eD*ee) ever/ 1 .a* `1000/:
(s per w1#*1 (*t &R6 #s *onst#t%te) : Re*over/ of &e<ts )%e to Banks an) f#nan*#a. 0nst#t%t#ons
(*t 199
K1#*1 #s t1e prov#s#on for f#.#n$ appea. to &R(6 a$a#nst t1e or)er of t1e pres#)#n$ off#*er #n &R6
: !e*t#on 20 (w#t1#n 45 )a/s)
K1#*1 #s t1e prov#s#on for f#.#n$ appea. to t1e pres#)#n$ off#*er #n &R6 a$a#nst t1e or)er of t1e
Re*over/ +ff#*er #n &R6 : !e*t#on 0 (w#t1#n 0 )a/s)
K#t1#n >ow -an/ )a/s? appea. s1o%.) <e f#.e) <efore pres#)#n$ off#*er #n &R6 a$a#nst t1e or)er
of t1e Re$#strar of &R6 : w#t1#n 15 )a/s
>ow -an/ )a/s t#-e s1o%.) <e $#ven #n t1e )e-an) not#*e sent to t1e Borrower as per !e*t#on
1 (2) of !e*%r#t#;at#on (*t 2002 : '0 )a/s
Bank#n$ o-<%)s-an s*1e-e #s #ntro)%*e) #n t1e /ear : 1995


Cons%-er Prote*t#on (*t #ntro)%*e) #n t1e /ear : 198'
>ow -%*1 t#-e w#.. <e t1e -aD#-%- $ap <etween two (nn%a. 4enera. 8eet#n$ of a Co-pan/ :
15 -ont1s
K#t1#n >ow -an/ )a/s? app.#*at#on for *reat#n$ *1ar$es to <e f#.e) <efore Re$#strar of
Co-pan#es : 0 )a/s (!e*t#on 125 of Co-pan#es (*t 195')
(s per w1#*1 prov#s#on #n 0n)#an L#-#tat#on (*t 19'? L#-#tat#on #s eDten)e) for f%rt1er /ears
</ t1e o<tent#on of Ba.an*e Conf#r-at#on Letter : !e*t#on 18
(s per w1#*1 )e*#s#on of !%pre-e Co%rt? #t #s -a)e *.ear t1at s#-%.taneo%s a*t#on %n)er
se*%r#t#;at#on a*t a.on$ w#t1 &R6/ !%#t "#.e) w#t1 an/ ot1er *o%rt *an <e taken : 6rans*ore v/s
Ln#on of 0n)#a
Pe*%n#ar/ L#-#t for "#.#n$ RRC : <e.ow 10 .a*
L#-#tat#on for f#.#n$ -ort$a$e s%#t <efore Co%rt: 12 /ears
L#-#tat#on for f#.#n$ -one/ s%#t <efore Co%rt : /ears
Pe*%n#ar/ J%r#s)#*t#on of Bank#n$ +-<%)s-an : 10 .a*s
K1at #s t1e pres*r#<e) t#-e .#-#t w#t1#n w1#*1 *ons%-er "or%- s1o%.) )#spose t1e Co-p.#ant :
-ont1s
K1at #s t1e pres*r#<e) t#-e .#-#t w#t1#n w1#*1 &R6 s1o%.) )#spose t1e +r#$#na. (pp.#*at#on : '
-ont1s
K1at #s t1e pres*r#<e) t#-e .#-#t w#t1#n w1#*1 Bank#n$ +-<%)s-an s1o%.) )#spose t1e
Co-p.#ant : ' -ont1s
L#-#tat#on for f#.#n$ *o-p.#ant w#t1 Bank#n$ +-<%)s-an : 1 /ear
L#-#tat#on for f#.#n$ *o-p.#ant w#t1 Cons%-er "or%- : 2 /ears
Pe*%n#ar/ J%r#s)#*t#on of &#str#*t Cons%-er "or%- : 20 .a*s
Pe*%n#ar/ J%r#s)#*t#on of !tate Co--#ss#on (Cons%-er) : Between 20 .a*s an) +ne Crore
Pe*%n#ar/ J%r#s)#*t#on of 5at#ona. Co--#ss#on (Cons%-er) : a<ove 1 Crore
8aD#-%- per#o) of #-pr#son-ent *an <e $#ven </ a Co%rt %n)er se*t#on 18 of 50 (*t 1881 : 2
3ears
8aD#-%- per#o) of *#v#. #-pr#son-ent *an <e $#ven </ a C#v#. Co%rt #n t1e eDe*%t#on of a
)e*ree : -ont1s
(*t#on %n)er se*t#on 18 of 50 (*t C !en) 15 )a/s .e$a. not#*e w#t1#n 0 )a/s of t1e )ate of
)#s1onor of *1e2%e.
Do#'m&ntaton, Stamp D't> an" Lmtaton
W)o $ to S!n t)& "o#'m&nt$ or #r&at& mort!a!&
Borro?&r W)o $ to S!n
0n)#v#)%a. >#-se.f / >#s a$ent
Jo#nt Borrowers (.. / t1e#r a$ent
Propr#etors1#p f#r- Propr#etor / ($ent
Partners1#p f#r- (.. partners
>L" Garta. 0f *opar*eners are to <e -a)e .#a<.e? t1e/ are a.so to s#$n
Jo#nt !to*ks Co-pan/ Person a%t1or#;e) </ t1e reso.%t#on fro- t1e Boar) of )#re*tors
6r%st/C.%</!o*#et/ 6r%stee/person a%t1or#;e) </ t1e#r $overn#n$ )o*%-ents/reso.%t#on
Stamp D't> Rat&$
In$tr'm&nt Rat& ;` `` `<
Re*e#pts for an/ -one/ or propert/ t1e a-o%nt or va.%e w1#*1 eD*ee)s ` 5000 1.00
ProD/ .etter 0.15
Letter of *re)#t 1.00
6ransfer of s1ares (` 100 or part) 0.25
&e-an) <#.. of eD*1an$e / *1e2%e 50L
&e-an) pro-#ssor/ noteA
@a.%e not -ore t1an ` 250
@a.%e -ore t1an ` 250 .ess t1an `1000
@a.%e of -ore t1an `1000

0.05
0.10
0.15
Loan a##o'nt ?$& %mtaton p&ro"
&e-an) Loans /ears fro- t1e )ate of .oan
&e-an) pro-#ssor/ note /ears fro- t1e )ate of &P5


6 + & /ears fro- t1e )ate of .oan
6er- .oan /ears fro- t1e )ate of ea*1 #nsta..-ent
C C >/pot1e*at#on /ears fro- t1e )ate of )o*%-ent
C C P.e)$e 5 (
B#..s )#s*o%t#n$ /ears fro- t1e )%e )ate of t1e respe*t#ve <#..
B#..s p%r*1as#n$ /ears fro- t1e )ate of <#..
Loan se*%re) </ -ort$a$e 0nstea) of /ears? t1e per#o) wo%.) <e 12 /ears
Re*over/ of .oss *a%se) </ fra%) /ears fro- t1e )ate of fra%) )ete*t#on
!%#t </ state/Centra. $overn-ent 0 /ears fro- t1e per#o) w1en .#-#tat#on <e$#ns
R#$1t of fore*.os%re an) r#$1t of re)e-pt#on
#n *ase of -ort$a$e
0 /ears w1en -one/ <e*o-es )%e an) w1en
r#$1t to re*over o**%rs respe*t#ve./
&epos#t a**o%nts .#ke !B? C( or -at%re)
"&Rs
/ears fro- t1e )ate of )e-an)
(ppea. to 1#$1 *o%rt a$a#nst .ower *o%rt 90 )a/s fro- )ate of )e*ree
(ppea. to ot1er *o%rt on t1e )e*ree at .ower
*o%rt
0 )a/s fro- )ate of )e*ree
,De*%t#on of )e*ree 12 /ears fro- t1e )ate of )e*ree
SARFEASI ACT
61e a*t 1as two parts? f#rst part stan)s for se*%r#t#sat#on an) re*onstr%*t#on of f#nan*#a. assets
an) ot1er part #s enfor*e-ent of se*%r#t/ #nterest.
,.#$#<.e assets %n)er t1e a*t -a/ <e enfor*e) w#t1o%t #ntervent#on of *o%rt or tr#<%na. w#t1 t1e
.a#) )own pro*e)%re %n)er t1e a*t.
0f part/ fa#.e) to )epos#t t1e a-o%nt? possess#on of *1ar$e)/ se*%re) assets #s o<ta#ne) fro-
t1e <ank %n)er se*t#on 1(4) of t1e a*t. P%<.#*at#on of possess#on not#*e #n t1e a*t w#t1#n 07
)a/s #s -an)ator/.
5o se*%re) *re)#tor s1a.. eDer*#se an/ r#$1t? %n.ess eDer*#se of s%*1 r#$1t #s a$ree) %pon </ t1e
se*%re) *re)#tors represent#n$ not .ess t1an /4t1 #n va.%e of t1e a-o%nt o%tstan)#n$.
0f <orrower restr#*ts t1e <ank to take p1/s#*a. possess#on of se*%re) assets? pet#t#on #s f#.e)
%n)er se*t#on 14 of t1e a*t to t1e C88/&8 pra/#n$ to $et t1e p1/s#*a. possess#on of t1e assets.
5o a*t#on #s taken <efore 45 )a/s of tak#n$ possess#on? as 45 )a/s t#-e #s $#ven %n)er t1e a*t to
appea. a$a#nst t1e a*t#on of t1e <ank.
(ppea. w#t1 &R6 *an <e f#.e) </ t1e part/ on./ after tak#n$ possess#on of t1e assets %n)er
se*t#on 17 of t1e a*t. 61ereafter appea. *an a.so <e f#.e) w#t1 &R(6 %n)er se*t#on 18 of t1e
a*t. C#v#. *o%rt )oes not E%r#s)#*t#on to enterta#n an/ s%#t %n)er prov#s#on of t1e a*t.
!e*%re) assets *an <e )#spose) off / so.) $#v#n$ 0 )a/s not#*e to t1e part#es *on*erne)
fo..owe) </ 0 )a/s p%<.#*at#on of sa.e t1ro%$1 a%*t#on/ ten)er not#*e of t1ese assets #n t1e
verna*%.ar newspaper an) nat#ona. )a#./.
'0 )a/s not#*e #s serve) %n)er 1(2) of !(R",(!0
(*t#on #s taken for t1e )%es eD*ee) `1 .a*
($r#*%.t%re Lan) an) .ease 1o.) propert/ *an not <e enfor*e)
(ppea. #s -a)e w#t1#n 45 )a/s of possess#on of se*%re) asset
0 )a/s not#*e #s serve) #n)#*at#n$ t1ere #n t1e sa.e of asset
0 )a/s p%<.#*at#on #s -a)e for a%*t#on of se*%re) assets
Possess#on of propert/ #s o<ta#ne) %n)er 1(4) !(R",(!0 (*t
P%<.#*at#on of possess#on of propert/ : w#t1#n 7 )a/s fro- t1e )ate of possess#on.
!,R",(!0 (C6 2002 )oes not app./ to t1e fo..ow#n$ assets C
( : .#en on an/ $oo)s? -one/ or se*%r#t/.
B : ( p.e)$e of -ovea<.e.
C C Creat#on of an/ se*%r#t/ #n an/ a#r*raft or vesse..
& C (n/ propert/ t1at *an not <e atta*1e) %n)er an/ ot1er .aw.
, C (n/ se*%r#t/ #nterest for se*%r#n$ repa/-ent an/ f#nan*#a. asset not eD*ee)#n$ `1 .a*.
" C (n/ *ase #n w1#*1 t1e a-o%nt )%e #s .ess t1an 20% of t1e pr#n*#pa. a-t.
4 C (n/ #nterest *reate) #n a$r#*%.t%re .an).



LO9ADALAT

Loka)a.at 1as <een *onst#t%te) %n)er Le$a. !erv#*es (*t? 1987. 5o .e$a. fee #s *1ar$e) for
approa*1#n$ Loka)a.at.
(.. 5P( a/*s #n*.%)#n$ s%#t f#.e) an) )e*ree) 1av#n$ o%tstan)#n$ <a.an*e %pto ` 20.00 .a*s *an
<e referre) to t1e Loka)a.at. (.. .e$a. )#sp%tes pen)#n$ #n *#v#.? *r#-#na.? reven%e *o%rts or a
tr#<%na. *an <e taken to .oka)a.at for a-#*a<.e sett.e-ent eD*ept *r#-#na. *ases w1#*1 are
non: *o-po%n)a<.e.
(**o%nts *an <e sett.e) </ t1e <ank as per t1e -%t%a. *onsent of t1e part#es.
(war) passe) </ t1e Loka)a.at #s a )ee-e) )e*ree of t1e *o%rt? w1#*1 *an <e eDe*%te) #n *ase
of )efa%.t </ t1e <orrowers / E%)$e-ent )e<tor t1ro%$1 *o%rt of *o-petent E%r#s)#*at#on.

E@$tn! Po?&r$ o( F'n#tonar&$ (or $&tt%&m&nt o( D&#&a$&" C%am$
Present./ t1e fo..ow#n$ f%n*t#onar#es 1ave <een veste) w#t1 t1e powers for sett.#n$ s%*1 *.a#-s
as approve) an) *o--%n#*ate) v#)e Re*over/ = Law &ept.? >ea) +ff#*e C#r*%.ar

"%rt1er? t1e %n)er:note) *.ar#f#*at#ons 1ave a.so <een $#ven #n t1e afore-ent#one) C#r*%.ar A
0n respe*t of *.a#-s on t1e <as#s of *o%rt or)ers v#;. Pro<ate/ !%**ess#on Cert#f#*ate? t1e sa-e
*an <e sett.e) </ <ran*1 0n*%-<ents #rrespe*t#ve of t1e a-o%nt #nvo.ve).

C.a#-s </ no-#nees #n respe*t of t1e a**o%nts w1ere a va.#) no-#nat#on #s re$#stere) as per
Bran*1 re*or)s? s1a.. <e )#spose) of at Bran*1 .eve.? #n a**or)an*e w#t1 no-#nat#onB
#rrespe*t#ve of t1e a-o%nt #nvo.ve).

61e powers of Bran*1 are restr#*te) to *.a#-s </ Le$a. 1e#rs of C.ass:0 #n respe*t of >#n)%s =
!#k1s on./? w1ereas t1e )#fferent f%n*t#onar#es at Re$#ona. +ff#*es / >ea) +ff#*e are
e-powere) to )ea. w#t1 a.. t/pe of *.a#-s. 61e *.a#-s re.at#n$ to 8%s.#- = ot1er *o--%n#t#es
an) *.a#-s </ $%ar)#an ot1er t1an nat%ra. $%ar)#an s1a.. <e )ea.t at Re$#ona. off#*e .eve. even
w1en t1e *.a#- a-o%nt fa..s w#t1#n Bran*1 powers. "%rt1er *.a#-s #n respe*t of 7,#t1er or
!%rv#vor9 = 7"or-er or !%rv#vor9 a**o%nts s1a.. <e )#spose) of at <ran*1 .eve. as per #nstr%*t#on.

61e .#-#t for sett.e-ent of *ase C 15 )a/s s%<Ee*t to pro)%*t#on of proof of )eat1 an) proper
#)ent#f#*at#on of t1e *.a#-antIs to t1e <ankIs sat#sfa*t#on.
SER7ICE TAQ
+%r <ank 1as *entra.#;e) pa/-ent s/ste- of !erv#*e taD. Pa/-ent of t1e taD #s -a)e </ t1e
1ea) off#*e.
Last )ate (&%e )ate) for pa/-ent of !erv#*e 6aD to t1e (/* of 4overn-ent
"or Co-pan/A : 8ont1./ .#a<#.#t/.
&epos#t taD so *o..e*te) </ 5t1 of neDt -ont1. "or -ont1 of 8ar*1 )epos#t </ 1st 8ar*1.
"or ot1er t1an Co-pan/A : X%arter./ .#a<#.#t/.
Functionaries Poers
/ranc- 'ncum2ents/'ncum2ent- 'nc-ar4eC
=?tension Counter o% Scale-'C'' >'''
U!to +s 2.;; lacs
/ranc- 'ncum2ents in Scale ', U!to +s. 5.;; lacs
/ranc- 'ncum2ents in Scale , > a2o#e U! to +s. ..5; lacs
+e4ional )ea$ U!to +s. 2;.;; lacs
2
n$
an in +e4ional O%%ices U!to +s. 1;.;; lacs
9irres!ecti#e o% scale:
A* at )ea$ O%%ice U!to +s. 3;.;; lacs
D* at )ea$ O%%ice U!to +s. 5;.;; lacs
*eneral ana4er
9at )ea$ O%%ice/Fiel$:
U!to +s. 1.;; crore
=?ecuti#e Director/CD Full Po7er


NOTED - 0f t1e )%t/ #s )epos#te) e.e*tron#*a../ t1ro%$1 0nternet <ank#n$? )%e )ate of Pa/-ent #s
't1 of -ont1.

Rate of serv#*e taD *o..e*t#on #s 12% of t1e *1ar$es *o..e*te) </ t1e part/ N ,)%*at#on Cess W2%
of !erv#*e 6aD (-o%nt (#.e. 2% of 12%) N !e* = >#$1er ,)%*at#on Cess W1% of !erv#*e 6aD
(-o%nt (#.e. 1% of 12%). >en*e effe*t#ve rate of !erv#*e 6aD #s 12.'%.
!erv#*e taD *o..e*te) </ a <ran*1 #s kept %n)er t1e PL 1ea) !erv#*e taD pa/a<.e. (*t%a. a-o%nt
of !erv#*e taD *o..e*te) </ t1e <ran*1 re-a#ns #n t1#s 1ea) an) not re-#tte) to >ea) off#*e.
Bank 1as per-#tte) for pa/-ent of serv#*es taD on pre-#se) rent to e.#$#<.e .an).or). (after
o<ta#n#n$ *erta#n )o*%-ents)
!erv#*e taD pa#) </ t1e <ank -%st <e )e<#te) to !erv#*e taD pa#) a**o%nt an) #np%t re$#ster
(C,5@(6 *re)#t re$#ster) *onta#n#n$ a<ove )eta#.s -%st <e kept on re*or) at t1e <ran*1.

TAQ DEDUCTED AT SOURCE ;T5D5S<
1. ".oor .#-#t of 6&! on 6er- &epos#t `10000/: (wef 01:0':2007)
2. "or- 15 4 : 6o <e o<ta#ne) fro- Persons (ot1er t1an !en#or C#t#;en)
. "or- 15 > : 6o <e o<ta#ne) fro- !en#or C#t#;en
4. "or- '0 : for 5on ($r#*%.t%re
5. "or- '1 : for ($r#*%.t%re
Ta@ D&"'#ton at So'r#& ;TDS< at a H!)&r Rat& ;.-F< on Tran$a#ton$ on not J'otn! o( PAN
(s per t1e a-en)e) prov#s#ons? w.e.f. 1.04.2010? 6&! at )!)&r of t1e pres*r#<e) rate or 20% w#..
<e )e)%*te) on a.. t1e transa*t#ons .#a<.e to 6&!? w1ere Per-anent (**o%nt 5%-<er (P(5) of t1e
)e)%*tee #.e.? t1e part/ #s not ava#.a<.e.

61e .aw w#.. a.so app./ to a.. non:res#)ents #n respe*t of pa/-ents/re-#ttan*es %aA%& to 6&!.
"%rt1er? Cert#f#*ate of )e)%*t#on of taD at .ower rate or no )e)%*t#on (%n)er se*t#on 197 of t1e
0n*o-e 6aD (*t?19'1) s1a.. not <e #ss%e) </ t1e *on*erne) 0n*o-e 6aD (%t1or#t/ to t1e part/
#.e.? to w1o- e.#$#<.e pa/-ent #s -a)e </ t1e <ank? %n.ess t1e app.#*at#on of t1e part/ <ears
P(5. 0n a))#t#on? )e*.arat#on </ t1e )epos#tor #n Z"or- 15 4/"or- 15>Z(%n)er se*t#on 197( of t1e
0n*o-e 6aD (*t? 19'1) s1a.. not <e va.#) %n.ess #t <ears t1e P(5 of t1e )epos#tor.

Geep#n$ #n v#ew t1e a<ove a-en)-ents? t1e off#*es are a)v#se)? as %n)erA
;< K1ere t1e pa/-ent to t1e part/ #s .#a<.e to 6&! an) t1e part/ 1as not 2%ote) P(5? to
)e)%*t 6&! at )!)&r of t1e pres*r#<e) rate or 20%. 61e <as#* eDe-pt#on .#-#t an) t1e
pres*r#<e) 6&! rates n (or#& are repro)%*e) <e.ow for rea)/ referen*e.
PA8MENT TO RESIDENTS IN INDIA
S5No5 Nat'r& o( Pa>m&nt Pr&$#rA&"
TDS rat&
;S'r#)ar!&-
N% =C&$$-N%<
TDS %aA%& to A& "&"'#t&"
+ Int&r&$t on T&rm D&po$t$
;Dom&$t# Compan> a$
?&%% a$ ot)&r t)an
Dom&$t# Compan><
10% 0f t1e #nterest *re)#te) or pa#) (.#ke./ to <e
*re)#te) or pa#)) )%r#n$ t1e f#nan*#a. /ear
eD*ee)s `10?000/:.

P.!A 6&! +5 056,R,!6 +5 6,R8 &,P+!06! 5+6 L0(BL, 6+ B, &,&LC6,&
(a) 0nterest #s *re)#te)/pa#) to an/ <ank#n$ *o-pan/? *o:operat#ve so*#et/ en$a$e) #n <ank#n$
<%s#ness? p%<.#* f#nan*#a. #nst#t%t#ons? t1e L#fe 0ns%ran*e Corporat#on? t1e Ln#t 6r%st of 0n)#a
or not#f#e) 0nst#t%t#ons (on./ on re*e#pt of eDe-pt#on *ert#f#*ate fro- t1e taD a%t1or#t#es)
(<) 0nterest ot1er t1an on t#-e )epos#ts.
(*) 0nterest #s *re)#te) or pa#) on *o-pensat#on awar)e) </ t1e 8otor (**#)ent C.a#-s 6r#<%na.
#f t1e a-o%nt of pa/-ent or t1e a$$re$ate a-o%nt of s%*1 pa/-ent )oes:not eD*ee)
`50?000/:
.5 Comm$$on or
Arok&ra!&
10% 0f t1e #nterest *re)#te) or pa#) )%r#n$ t1e
f#nan*#a. /ear eD*ee)s `5000/:
*a5 R&nt o( p%ant an" 2% 0f t1e #nterest *re)#te) or pa#) )%r#n$ t1e


ma#)n&r> (?t) &((&#t
(rom O#toA&r +,.--/<
f#nan*#a. /ear eD*ee)s `1?80?000/:
*A5 Rent of .an) or <%#.)#n$
or f%rn#t%re or f#tt#n$ (
?t) &((&#t (rom
O#toA&r +,.--/<

+-F 0f t1e #nterest *re)#te) or pa#) )%r#n$ t1e
f#nan*#a. /ear eD*ee)s `1?80?000/:
25 F&&$ (or pro(&$$ona% or
t&#)n#a% $&rB#&$
10% 0f t1e a-o%nt *re)#te) or pa#) (.#ke./ to <e
*re)#te) or pa#)) )%r#n$ t1e f#nan*#a. /ear
eD*ee)s `30?000/:
35 Pa>m&nt to
Contra#tor$,S'A-
#ontra#tor$
61e a-o%nt of an/ (s#n$.e) s%- *re)#te) or
pa#) (.#ke./ to <e *re)#te) or pa#)) eD*ee)s
`30?000/: an) t1e a$$re$ate of t1e
a-o%nts of s%*1 s%-s *re)#te) or pa#)
(.#ke./ to <e *re)#te) or pa#)) )%r#n$ t1e
f#nan*#a. /ear )oes:not eD*ee) `75?000/:
(a) Pa/-ent/*re)#t to an
n"B"'a% or a HUF
*ontra*tor/s%<:
*ontra*tor
;?5&5( -+,+-,.--/<
1%
(<) Pa/-ent/*re)#t to
an/ person ot)&r t)an
an #n)#v#)%a. or a >L"
*ontra*tor/s%<:
*ontra*tor
;?5&5( -+,+-,.--/<
2%

INTEREST PA8MENTS TO PERSONS NOT RESIDENTS IN INDIA
Nat'r& o( Pa>m&nt In#om& Ta@ ;F< S'r#)ar!& ;F< C&$$ ;F< Tota% ;F<
(. 0n *ase w1ere t1e person (ot1er
t1an *o-pan/) w1#*1 #s not
res#)ent #n 0n)#a
0% : 0.90% 0.90%
B.
(#) 0n *ase of a *o-pan/ w1#*1 #s
not a )o-est#* *o-pan/ (w1ere
t1e tota. #n*o-e "o&$-not &@#&&"
` one *rore)
40% : 1.2% 41.20%
(#) 0n *ase of a *o-pan/ w1#*1 #s
not a )o-est#* *o-pan/ (w1ere
t1e tota. #n*o-e &@#&&"$ ` one
*rore)
40% 0.1% 1.224% 42.02%
0t #s re#terate) t1at %n)er t1e eD#st#n$ prov#s#ons of t1e 0n*o-e 6aD (*t? 19'1 an)
*#r*%.ars #ss%e) t1ere %n)er? no taD #s re2%#re) to <e )e)%*te) at so%r*e on pa/-ent of
#nterest to t1e 1o.)ers of 5on CRes#)ent (,Dterna.) (**o%nt an) "C5R )epos#ts as per
eDtant r%.es.

0t #s *.ar#f#e) t1at #n t1e *ase of pa/-ents to persons res#)ent o%ts#)e 0n)#a w1#*1 are
.#a<.e for 6&! #.e.? ot1er t1an 5on CRes#)ent (,Dterna.) (**o%nt an) "C5R )epos#ts? #f P(5
#s not 2%ote) </ t1e part/? 6&! at t1e afore:sa#) rates #s to <e )e)%*te) as t1ese rates are
1#$1er t1an 20%.

;< Not to a##&pt RForm +3 6,Form +3HR (rom an> o( t)& "&po$tor$ 'n%&$$ PAN o( t)&
"&po$tor $ J'ot&" on t)& r&$p&#tB& (orm$5


TAQ DEDUCTION AT SOURCE ;TDS<
61e Centra. Boar) of &#re*t 6aDes (CB&6) 1ave s#n*e #ss%e) not#f#*at#on )ate) 1st 8a/ 2010
?5&5( -+,-2,.-+- mo"(>n! t)& tm& %mt (or "&po$t o( TDS, $$'& o( TDS #&rt(#at&$ an" &-
(%n! o( TDS R&t'rn$ an) #n t1e .#$1t of t1e sa-e t1e off#*es are a)v#se) as %n)erA

I. TIME LIMIT FOR DEPOSIT OF TDS = ISSUE OF TDS CERTIFICATES

;a< SALAR8
TIME LIMIT FOR DEPOSIT
OF TAQ B8 THE BAN9
TIME LIMIT FOR ISSUE OF TDS
CERTIFICATE TO THE
EMPLO8EE
TDS CERTIFICATE IN
"or !a.ar/ *re)#te)/Pa#) #n
t1e -ont1 of 8ar*1
- On or A&(or& *-t) Apr%

"or sa.ar/ *re)#te)/ pa#)
ot1er t1an t1e -ont1 of
8ar*1

Wt)n 1 "a>$ fro- t1e en)
of t1e -ont1 #n w1#*1 taD #s
)e)%*te)

B/ *+$t Ma> of t1e f#nan*#a.
/ear #--e)#ate./ fo..ow#n$ t1e
f#nan*#a. /ear #n w1#*1 t1e
sa.ar/ was pa#) an) taD
)e)%*te).
Rev#se) "+R8 5o. 1'
to <e $$'&" Ann'a%%>.

;A< PA8MENTS OTHER THAN SALAR8
TIME LIMIT FOR DEPOSIT OF TAQ
B8 THE BAN9
TIME LIMIT FOR ISSUE OF TDS
CERTIFICATE
TDS CERTIFICATE IN
(-o%nt *re)#te)/Pa#) #n t1e
-ont1 of 8ar*1

- On or A&(or& *-t) Apr%

+t1er *ases #.e.? (-o%nt
*re)#te)/pa#) ot1er t1an #n t1e
-ont1 of 8ar*1

Wt)n 1 "a>$ fro- t1e en) of t1e
-ont1 #n w1#*1 taD #s )e)%*te)

K#t1#n 15 )a/s fro- t1e )%e
)ate for f%rn#s1#n$ state-ent
of )e)%*t#on of taD #.e.? 6&!
Ret%rn (Refer 0te- 2 for &%e
)ate) .

Rev#se) "+R8 5o. 1'(
to <e $$'&" P'art&r%>.

II5 DUE DATE FOR FILIN6 TDS RETURNS
61e )%e )ate for f%rn#s1#n$ 6&! ret%rn for t1e 2%arter en)#n$ 8ar*1 1as <een -o)#f#e) to 15 t1
8a/ (fro- ear.#er J%ne).
(**or)#n$./? t1e rev#se) )%e )ates for &-(%n! t1e 6&! ret%rns areA

S5No5 Dat& o( &n"n! o( t)& J'art&r o(
t)& (nan#a% >&ar
D'& "at&
1. 0t1 J%ne 15t1 J%./ of t1e f#nan*#a. /ear
2. 0t1 !epte-<er 15t1 +*to<er of t1e f#nan*#a. /ear
. 1st &e*e-<er 15t1 Jan%ar/ of t1e f#nan*#a. /ear
4. 1st 8ar*1 15t1 8a/ of t1e f#nan*#a. /ear #--e)#ate./
fo..ow#n$ t1e f#nan*#a. /ear #n w1#*1
)e)%*t#on #s -a)e

(000) 61e off#*es s1a.. #ontn'& to )epos#t 6&! n on-%n& mo"&5



Pa>m&nt o( Int&r&$t (or "&%a>&" r&mttan#& to IT a't)ort>

RECO7ER8 MANA6EMENT

SPECIAL ONE TIME SETTLEMENT SCHEME ;OTS< FOR SETTLEMENT IN ELI6IBLE NPA
ACCOUNTS WITH O,S UPTO R$5 +-5-- La#
1. E%!A%t>D-
61e (pprove) !*1e-e s1a.. *over a.. 5P( a**o%nts #n "o'At('% or %o$$ #at&!or> (w1et1er
non:s%#t f#.e)? s%#t f#.e) or )e*ree) a**o%nts) w#t1 Pr#n*#pa. o%tstan)#n$ %pto Rs. 10.00 La*
(#n*.%)#n$ a-o%nt te*1n#*a../ wr#tten off? ,C4C/ &0C4C/C4"6 *.a#- re*e#ve)) as on
0.0952011 eD*ept t1ose *ases w1ere t1e sett.e-ent 1a) <een approve) an) t1e sa-e was
<e#n$ 1ono%re).
.5 7a%"t> o( t)& S#)&m&D
T)& S#)&m& $)a%% A& Ba%" 'pto *-5-05.-+.
*5 S&tt%&m&nt Form'%a- Mnm'm S&tt%&m&nt Amo'nt
&o%<tf%. an) Loss (ssets (0n*.%)#n$ &e*ree) (**o%nts)
NPA$ ?t) O't$tan"n!
Upto R$5
+5-- La#
Mor& t)an
R$5 +5-- La#
'pto R$5
*5-- La#
Mor& t)an
R$5 *5-- La#
'pto R$5
35-- La#
Mor& t)an
R$5 35-- La#
'pto R$5
+-5-- La#
S5
No5
Part#'%ar$ o( $&#'rt>
Mnm'm S&tt%&m&nt Amo'nt
+ K1ere 5et Present @a.%e of
Rea.#sa<.e @a.%e (5P@R@) of
se*%r#t/ (Pr#-ar/ an)/or
Co..atera. se*%r#t/) *1ar$e) #n
t1e a**o%nt #s -ore t1an or
e2%a. to t1e re*overa<.e )%es
(*a.*%.ate) as per a-en)e)
-o)%.ar approa*1)
T)& S&tt%&m&nt (orm'%a (or t)& mnm'm $&tt%&m&nt
amo'nt ?%% A& a$ p&r t)& pr&Ba%&nt $&tt%&m&nt po%#>5


K1ere 5et Present @a.%e of
t1e a**o%nt #s .ess t1an t1e
re*overa<.e )%es (*a.*%.ate)
as per a-en)e) -o)%.ar
approa*1) <%t -ore t1an or
e2%a. to t1e Pr#n*#pa.
+%tstan)#n$
. K1ere 5et Present @a.%e of
t1e a**o%nt #s .ess t1an t1e
Pr#n*#pa. +%tstan)#n$ <%t
-ore t1an or e2%a. to 50% of
t1e Pr#n*#pa. +%tstan)#n$
NP7R7 o(
t)&
$&#'rt>;&$<
#)ar!&" n
t)& a##o'nt
NP7R7 o( t)&
$&#'rt>;&$<
#)ar!&" n
t)& a##o'nt
NP7R7 o( t)&
$&#'rt>;&$<
#)ar!&" n
t)& a##o'nt
5P@R@ of t1e
se*%r#t/(#es)
*1ar$e) #n
t1e a**o%nt
* K1ere 5et Present @a.%e of
t1e a**o%nt #s .ess t1an 50%
of t1e Pr#n*#pa. +%tstan)#n$
(#n*.%)#n$ *ases w1ere no
se*%r#t/ #s ava#.a<.e).
NP7R7 o(
t)& $&#'rt>
#)ar!&" in
the acco!nt
or .3 F o(
t)&
Prn#pa%
O't$tan"n!
?)#)&B&r
$ )!)&r
NP7R7 o( t)&
$&#'rt>
#)ar!&" in
the acco!nt
or +@ F o(
t)& Prn#pa%
O't$tan"n!
?)#)&B&r $
)!)&r
NP7R7 o( t)&
$&#'rt>
#)ar!&" in
the acco!nt
or +4 F o(
t)& Prn#pa%
O't$tan"n!
?)#)&B&r $
)!)&r
NP7R7 o(
t)& $&#'rt>
#)ar!&" in
the acco!nt
or .@ F o(
t)& Prn#pa%
O't$tan"n!
?)#)&B&r $
)!)&r

Po?&r$ "&$!nat&" to (&%" ('n#tonar&$ (or $&tt%&m&nt o( NPA A##o'nt$ 'n"&r t)& S#)&m&
ar& a$ !B&n A&%o?D

&es#$nat#on Powers to sett.e a**o%nts %n)er t1e !*1e-e
Bran*1 0n*%-<ent (#n t1e !*a.e of
J84!:0 to 884!:000)
5P( a**o%nts w#t1 pr#n*#pa. o%tstan)#n$ %pto Rs. .00 La*
Bran*1 0n*%-<ent (#n t1e !*a.e of
!84!:0@ an) a<ove)
5P( a**o%nts w#t1 pr#n*#pa. o%tstan)#n$ %pto Rs. 5.00 La*
00n) 8an at Re$#ona. +ff#*es 5P( a**o%nts w#t1 pr#n*#pa. o%tstan)#n$ -ore t1an Rs. .00
La* an) %pto Rs. 5.00 La*
Re$#ona. >ea) 5P( a**o%nts w#t1 pr#n*#pa. o%tstan)#n$ -ore t1an Rs. 5.00
La* an) %pto Rs. 10.00 La*
61e )eta#.s of feat%res -ent#one) at po#nt no. 1 to 4 a<ove are $#ven as %n)erA

Crt&ra (or S&tt%n! &%!A%& NPA a##o'nt$D

)) 5P( a**o%nts se*%re) </ persona. $%arantee of eD#st#n$ staff -e-<er? w#.. not <e
e.#$#<.e %n)er t1e approve) s*1e-e.
e) 61e 5P( a**o%nts of t1e staff an) re.at#ves of t1e staff -e-<ers w#.. not <e *overe)
%n)er t1e approve) s*1e-e.
$) 61e *ases of fra%)? -a.feasan*e an) ot1er *ases w1ere *r#-#na. a*t#ons 1ave <een
#n#t#ate)? s1a.. <e forwar)e) to >ea) +ff#*e as per t1e s/ste- #n vo$%e.
1) !ett.e-ent proposa.s #n 5P( a**o%nts? #n a.. *ases? san*t#one) </ t1e sa-e person (</
na-e) w#.. <e forwar)e) to t1e neDt 1#$1er a%t1or#t/.

#) 61e +6! !*1e-e for sett.e-ent of 5P( a**o%nts w#t1 o%tstan)#n$ %pto Rs. 5.00 La* 1as
a.rea)/ eDp#re) on 0.09.2011.


Po%#> (or &n!a!&m&nt , &mpan&%m&nt o( r&#oB&r> a!&nt$, o't$"& a!&n#&$ (or r&#oB&r>
(.. 5P( a**o%nts #n )o%<tf%. or .oss *ate$or/ #n*.%)#n$ s%#t f#.e) an) )e*ree) a**o%nts w#t1 t1e
pr#n*#pa. o/s. not eD*ee)#n$ M10.00 .a* ( #n*.%)#n$ 6K+? ,C4C/ &0C4C s1a.. <e e.#$#<.e for
a..ot-ent to Re*over/ ($ents for re*over/ of <anks )%es eD*ept on$o#n$ sett.e-ent a**o%nts.
Co--#ttee 1ea)e) </ Re$#ona. >ea) #s e-powere) to e-pane. t1e .#st of re*over/ a$ent.
,-pane.-ent w#.. <e #n#t#a../ for a -aD#-%- per#o) of 2 /ears.
100 1o%rs *ert#f#*ate *o%rse for &#re*t Re*over/ ($ent #ntro)%*e) </ 00B" / (RC0L/ Bank of 0n)#a
1as to <e %n)ertaken fro- a$ent.
!e*%r#t/ <ank )epos#t / <ank $%arantee for M1.00 .a* 1as to <e pro)%*e) to t1e <ank </ t1e
f#r- as a pre:*on)#t#on.
Co--#ss#on pa/a<.e to re*over/ a$ent #s -#n#-%- '% to 10% for a**o%nts 1av#n$ o/s. %pto
M1.00 .a*s an) 4% to 10% for a**o%nts 1av#n$ o/s. a<ove M1.00 .a*s )epen)#n$ %pon t1e a$e of
5P(. 61#s a-o%nt #s pa#) </ )e<#t of *1ar$es $enera. (.aw).

Corporat& D&At R&$tr'#t'rn! ;CDR<
61ere are two *ate$or#es of )e<t restr%*t%r#n$ %n)er t1e C&R s/ste-. one *ate$or/ re.ate) to
a**o%nts *.ass#f#e) as Istan)ar)I an) Is%<stan)ar)I #n t1e <ooks of t1e *re)#tors ( *ate$or/ 1)
w1#.e *ate$or/ 2 re.ate) to a**o%nts *.ass#f#e) as I)o%<tf%.I an) I.ossI.
61e C&R w#.. not app./ to a**o%nts #nvo.v#n$ on./ one f#nan*#a. #nst#t%t#on or one <ank. 0t *overs
on./ -%.t#p.e <ank#n$ a/*s? s/n)#*at#on/ *onsort#%- a/*s 1av#n$ o%tstan)#n$ <ot1 f%n) <ase)
an) non:f%n) <ase) eDpos%re of M20.00 *rore an) a<ove </ t1e <anks an) #nst#t%t#ons.
Corporate #n)%.$#n$ #n fra%) an) -a.feasan*e even #n s#n$.e <ank *ont#n%e to re-a#n #ne.#$#<.e
for restr%*t%r#n$ %n)er C&R -e*1an#s-.
C&R #s for t1e 1e.p of v#a<.e ent#t#es fa*#n$ pro<.e-s o%ts#)e t1e p%rv#ew of B0"R? &R6 an)
ot1er .e$a. pro*ee)#n$s. >owever? s%#t f#.e *ases *an <e *ons#)ere) e.#$#<.e prov#)e)? #n#t#at#ve
to reso.ve t1e *ase %n)er t1#s s/ste- #s taken </ at .ease 75% of t1e *re)#tors ( </ va.%e ) an)
'0% of *re)#tors (</ n%-<ers). L#kew#se .ar$e va.%e B0"R *ases -a/ <e e.#$#<.e %n)er t1e s/ste-
#f spe*#f#*a../ re*o--en)e) </ t1e C&R *ore $ro%p.
C&R 1as 0 t#er str%*t%re #.e. C&R stan)#n$ for%- an) #ts *ore $ro%p? C&R e-powere) $ro%p
an) C&R *e...
C&R stan)#n$ for%- evo.ve po.#*#es an) $%#)e.#nes for work#n$ o%t )e<t restr%*t%r#n$ p.ans. 0t
*o-pr#ses of C8&? 0&B0? !B0 8& = C,+ 0C0C0 Bank? C1a#r-an 0B( an) C8&s of a.. <ank an)
f#nan*#a. #nst#t%t#ons. RB0 Eo#ne) t1e for%- on./ for prov#)#n$ <roa) $%#)e.#nes. 61e for%- w#..
e.e*t #ts *1a#r-an for one /ear.
C&R *ore $ro%p #s a part of for%- *ons#sts of C1#ef ,De*%t#ves of 0&B0? !B0? 0C0C0 B(5G? B+B? P5B
an) 0B( an) representat#ves of fore#$n <anks #n 0n)#a. 0t eDa-#nes t1e #n)#v#)%a. *ases
s%<-#tte) </ C&R *e.. of #ts v#a<#.#t/ an) re1a<#.#tat#on potent#a. of t1e *o-pan/ an) approve
t1e restr%*t%r#n$ pa*ka$e w#t1#n 90 )a/s or at <est w#t1#n 180 )a/s of referen*e to t1e
e-powere) $ro%p.
C&R *e.. #s t1e pr#-ar/ <o)/ of C&R -e*1an#s- an) ass#st t1e C&R stan)#n$ for%- an) C&R
e-powere) $ro%p to -ake t1e #n#t#a. s*r%t#n/ of t1e proposa. re*e#ve) fro- <orrowers/
*re)#tors.
!tan) st#.. a$ree-ent #s an #-portant a$ree-ent of )e<tor:*re)#tor a$ree-ent <#n)#n$ for 90
)a/s or 180 )a/s </ <ot1 s#)es. Ln)er t1#s *.a%se? part#es *o--#t t1e-se.ves not to take
re*o%rse of an/ ot1er *#v#. a*t#on )%r#n$ t1e stan)st#.. per#o). >owever? t1#s *o--#t-ent w#..
not *over an/ *r#-#na. a*t#on. 61#s w#.. ens%re t1e C&R s/ste- to %n)ertake t1e ne*essar/ )e<t
restr%*t%r#n$ eDer*#se w#t1o%t an/ o%ts#)e #ntervent#on? E%)#*#a. or ot1erw#se.
())#t#ona. f#nan*e %n)er restr%*t%re w#.. <e *ate$or#;e) as stan)ar) %pto a per#o) of one /ear
after t1e f#rst #nterest / pr#n*#pa. pa/-ent? w1#*1ever #s ear.#er? fa.. )%e %n)er t1e
restr%*t%r#n$ pa*ka$e.
C&R #n *ase of )o%<tf%. an) .oss a**o%nts? restr%*t%r#n$ of *orporate )e<ts %n)er C&R s/ste-
*o%.) take p.a*e #n sta$esB (a) <efore *o--en*e-ent of *o--er*#a. pro)%*t#on (<)after
*o--er*#a. pro)%*t#on an) t1e asset 1as <een *.ass#f#e) as s%<stan)ar) or )o%<tf%. (*) after
start of *o--er*#a. pro)%*t#on an) t1e asset 1as <een *.ass#f#e) as s%<stan)ar) or )o%<tf%.. 0n
*ase of (a) or (<) stan)ar) asset w#.. <e*o-e stan)ar) after restr%*t%r#n$ #n *ase of f#rst
restr%*t%r#n$. !e*on) t#-e restr%*t%r#n$ #s poss#<.e after *.ass#f#*at#on of a**o%nt as 5P(. 0n


*ase of (*) asset w#.. re-a#n 5P( for 12 -ont1s #.e. t#.. sat#sfa*tor/ perfor-an*e as per t1e
ter-s of C&R.
K#..f%. )efa%.ter C 0nfor-at#on #n re$ar) to w#..f%. )efa%.ter #s re2%#re) to <e s%<-#tte) to RB0
for a**o%nts 1av#n$ o%tstan)#n$ M25.00 .a*s an) a<ove on 2%arter./ <as#s.
&e*#s#on to *.ass#f/ t1e a**o%nt as w#..f%. )efa%.t rests w#t1 t1e *o--#ttee 1ea)e) </ ,De*%t#ve
&#re*tor.
61ere are t1ree )ef#n#t#ons of !#*k #n)%str#a. %n#t #.e. 5on:!!0 (B0"R)? 5on:!!0: 5on:B0"R %n#ts
an) !#*k !!0 %n#ts. +ne #s app.#e) to B0"R *ases an) ot1er one for !!0 %n#ts.
!#*k 5on !!0 %n#t ( B0"R *ases) : (n #n)%str#a. %n)ertak#n$ #s )ef#ne) as !#*k 0n)%str#a. Co-pan/
#f #t 1as <een #n eD#sten*e for at .east 5 /ears an) 1as #n*%rre) .osses an) t1e a**%-%.ate)
.osses are -ore t1an #ts net wort1.
S #k,W&ak Non-SSI, Non-BIFR Un t$
0f t1e a**%-%.ate) .osses of an #n)%str#a. *o-pan/ as at t1e en) of an/ f#nan*#a. /ear 1ave
res%.te) #n eros#on of f#ft/ per*ent or -ore of #ts peak net wort1 )%r#n$ t1e #--e)#ate./
pre*e)#n$ fo%r f#nan*#a. /ears t1e *o-pan/ #s ter-e) as potent#a../ s#*k #n)%str#a. *o-pan/ or
weak #n)%str#a. %n#t.
61e a<ove )ef#n#t#on of weak %n#t w#.. a.so app./ to a.. for-s of or$an#;at#ons #n*.%)#n$ .#-#te)
*o-pan#es? partners1#p f#r-s an) propr#etar/ *on*erns. 0t w#.. #n*.%)e ot1er %n#ts not *overe) </
t1e )ef#n#t#on of s#*k/weak %n#ts $#ven #n t1e !0C(? 1985.
SIC9 SSI UNITS
( !!0 %n#t -a/ <e *.ass#f#e) as s#*k w1en: (n !!0 %n#t s1o%.) <e *ons#)ere) I!#*kI #f a) an/ of t1e
<orrowa. a**o%nts of t1e %n#t re-a#ns s%<stan)ar) for -ore t1an s#D -ont1s #.e. pr#n*#pa. or
#nterest? #n respe*t of an/ of #ts <orrowa. a**o%nts 1as re-a#ne) over)%e for a per#o) eD*ee)#n$
one /ear. 61e re2%#re-ent of over)%e per#o) eD*ee)#n$ one /ear w#.. re-a#n %n*1an$e) even #f
t1e present per#o) for *.ass#f#*at#on of an a**o%nt as s%<:stan)ar)? #s re)%*e) #n )%e *o%rse.
(fter t1e E%)$e-ent of >on9<.e !%pre-e Co%rt of 0n)#a #n t1e *ase of 8/! Ln#2%e B%t/.e 6%<e
0n)%str#es Pvt. Lt). vs L .P. "#nan*#a. Corporat#on an) ot1ers? RRC #s f#.e) for a-o%nt a<ove
M10.00 .a*s an) a<ove M10.00 .a* t1e *.a#- #s f#.e) <efore t1e *o-petent &R6 #nstea) of f#.#n$
RRC.
NPA NORMS
0nterest an) or #nsta..-ents of pr#n*#pa. re-a#n over)%e for a per#o) of -ore t1an 90 )a/s #n
respe*t of a ter- .oan.
61e a**o%nt re-a#ns 7o%t of or)er9 for a per#o) of -ore t1an 90 )a/s #n respe*t of
over)raft/*as1 *re)#t
61e <#.. re-a#ns over)%e for a per#o) of -ore t1an 90 )a/s #n *ase of <#.. p%r*1ase) an)
)#s*o%nte)
0nterest an) /or #nsta..-ent of pr#n*#pa. re-a#ns over)%e for two 1arvest seasons <%t for a
per#o) not eD*ee)#n$ two 1a.f /ear #n t1e *ase of an a)van*e $rante) for a$r#*%.t%re p%rpose?
an) w.e.f.0.09.04 fo..ow#n$ f%rt1er a-en)-ents #ss%e) </ t1e (peD Bank
a. ( .oan $rante) for s1ort )%rat#on *rops w#.. <e treate) as 5P(? #f t1e #nsta..-ent of
pr#n*#pa. or #nterest t1ereon re-a#ns over)%e (or t?o #rop$ $&a$on$5
<. 61e .oan $rante) for .on$ )%rat#on *rops w#.. <e treate) as 5P(? #f t1e #nsta..-ent of
pr#n*#pa. or #nterest t1ereon re-a#ns over)%e (or on& #rop $&a$on.
(Crop season for ea*1 *rop wo%.) <e )eter-#ne) </ t1e !tate Leve. Bankers9 Co--#ttee #n
ea*1 state)
(n/ a-o%nt to <e re*e#ve) re-a#ns over)%e for a per#o) of -ore t1an 90 )a/s #n respe*t of
ot1er a**o%nts.
RB0 to -ove over to *1ar$#n$ of #nterest at -ont1./ rest ? w.e.f. 01.04.02
NPA CATE6OR8 RE7ISED NORMS ?5&5(5 *+5-*5-3
!%< C stan)ar) assets ( s%< stan)ar) asset wo%.) <e one? w1#*1 1as re-a#ne)
5P( for a per#o) .ess t1an or e2%a. to 12 -ont1s
&o%<tf%. assets 0f #t eD*ee)s a s%< stan)ar) *ate$or/ for -ore t1an 12
-ont1s
Loss assets 5o se*%r#t/ #n t1e a**o%nt an) as #)ent#f#e) </ <ank/
#nterna./ eDterna. a%)#tors or RB0 as .oss assets


0f rea.#;a<.e va.%e of t1e se*%r#t/ #s .ess t1an 50% of w1at va.%e) at t1e t#-e of san*t#on or .ast
#nspe*t#on? s%*1 5P( -a/ <e stra#$1tawa/ *.ass#f#e) %n)er )o%<tf%. *ate$or/
0f rea.#;a<.e va.%e of t1e se*%r#t/ #s .ess t1an 10% of present o/s? s%*1 5P( -a/ <e stra#$1tawa/
*.ass#f#e) %n)er .oss *ate$or/
+%r <ank 1as f#De) M50 .ak1s an) a<ove a**o%nts as 1#$1 va.%e a**o%nts
(.. t1e fa*#.#t#es $rante) </ a <ank to a <orrower w#.. 1ave to <e treate) as 5P( an) not t1e
part#*%.ar fa*#.#t/ or part t1ereof w1#*1 1as <e*o-e #rre$%.ar.
61e a**o%nt w1#*1 are r%nn#n$ re$%.ar an) are *.ass#f#e) as stan)ar) s1a.. not <e *ate$or#;e)
5P( *ate$or/ even #f an/ of t1e )#re*tors/partners are *o--on #n ot1er a**o%nts w1#*1 1ave
<een *.ass#f#e) as 5P(
Restr%*t%re)/Res*1e)%.e a**o%nts C %p$ra)e) after one /ear s%<Ee*t to sat#sfa*tor/
perfor-an*e )%r#n$ t1e per#o).
5P( a**o%nts s1a.. <e #--e)#ate./ %p$ra)e) on pa/-ent of #rre$%.ar port#on.

PRO7ISIONIN6 NORMSD
Rat&$ o( ProB$onn! (or Non-P&r(ormn! A$$&t$ an"
R&$tr'#t'r&" A"Ban#&$ Cat&!or> o( A"Ban#&$
E@$tn!
Rat&
;F<
R&B$&" Rat&
;F<
S'A- $tan"ar" A"Ban#&$D
R !e*%re) ,Dpos%res
R Lnse*%re) ,Dpos%res
[ Lnse*%re) ,Dpos%res #n respe*t of 0nfrastr%*t%re .oan
a**o%nts w1ere *erta#n safe$%ar)s s%*1 as es*row a**o%nts
are ava#.a<.e.

10
20
15

+3
.3
.-
Do'At('% A"Ban#&$ I Un$&#'r&" PortonD 100 +--
Do'At('% A"Ban#&$ I S&#'r&" PortonA
R "or &o%<tf%. %pto 1 /ear
R "or &o%<tf%. \ 1 /ear an) %pto /ears
R "or &o%<tf%. \ /ears

20
0
100

.3
2-
+--
Lo$$ A"Ban#&$D 100 100
R&$tr'#t'r&" a##o'nt$ #%a$$(&" a$ $tan"ar" a"Ban#&$D
R #n t1e f#rst two /ears fro- t1e )ate of restr%*t%r#n$ B an)
R #n *ases of -orator#%- on pa/-ent of #nterest/pr#n*#pa. after
restr%*t%r#n$ C per#o) *over#n$ -orator#%- an) two /ears
t1ereafter.

0.25 to 1.00
()epen)#n$
%pon t1e
*ate$or/ of
a)van*e)

.
Restr%*t%re) a**o%nts ear.#er *.ass#f#e) as 5P( an) .ater
%p$ra)e) to stan)ar) *ate$or/
R #n t1e f#rst /ear fro- t1e )ate of %p$ra)at#on
0.25 to 1.00
()epen)#n$
%pon t1e
*ate$or/ of
a)van*e)
.

+5 Stan"ar" A$$&t$ I
a. &#re*t a)v. to ($r#*%.t%re an) !8, se*tor 0.25%
<. (.. ot1er a)van*es at 0.40%


(61e prov#s#on on stan)ar) assets s1o%.) not <e re*kone) for arr#v#n$ at net 5P(s)

(61e prov#s#ons towar)s stan)ar) assets nee) not <e nette) fro- $ross a)van*es <%t s1own
separate./ as FCont#n$ent prov#s#on a$a#nst stan)ar) assetsH %n)er F+t1er .#a<#.#t/ = prov#s#ons
+t1ersH #n !*1e)%.e:@ of t1e Ba.an*e !1eet)
COMPROMISE SETTLEMENT POLIC8 OF OUR BAN9D
1. Ca.*%.at#n$ #nterest on s#-p.e <as#s fro- t1e )ate of 5P(
2. 61e rate of #ntt. #.e. at PLR or rate of #ntt. *1ar$e) on t1e .oan a**o%nt w1#*1ever #s .ower on
s#-p.e <as#s fro- t1e )ate of 5P( or )ate or reversa. of #nterest w1#*1ever #s ear.#er #n *ase
of )o%<tf%. an) .oss a**o%nt. 0n respe*t of s%<:stan)ar) assets? t1e a-o%nt of re.#ef s1a.. <e
*a.*%.ate) app./#n$ *ontra*te) rate of #nterest on s#-p.e <as#s
. 61e a**o%nts w1ere preva#.#n$ rate of #nterest *1ar$e) as per s*1e-e e.$. 1o%s#n$ .oan?
e)%*at#on .oan et*. #s <e.ow PLR. Re*or)e) #nterest s1a.. <e *a.*%.ate) as per preva#.#n$ rate
of #nterest #nstea) of PLR for *a.*%.at#n$ sett.e-ent a-o%nt.
4. 0t s1o%.) <e ens%re) t1at at .east 10% to 25% of offer a-o%nt s1a.. <e o<ta#ne) as %pfront
a-o%nt.
5. 0n *ase of )e*ree) a**o%nt? tota. re*overa<.e )%es s1a.. <e *a.*%.ate) as per ter-s of t1e
)e*ree.
'. 61e *a.*%.at#on of sett.e-ent a-o%nt s1a.. <e <ase) on net present va.%e of rea.#;a<.e va.%e
of se*%r#t/ #n *ase of )o%<tf%. an) .oss 5P( a**o%nts.
Po%#> on Comprom$& = N&!otat&" S&tt%&m&nt$ In NPA A##o'nt$
1. Do'At('% = Lo$$ A$$&t$ ot)&r t)an D&#r&&" A##o'nt$
"or as*erta#n#n$ t1e 6ota. Re*overa<.e &%es? Bank s1a.. *ont#n%e to a)opt t1e s/ste- of
8o)%.e 0nterest (pproa*1? #.e. *a.*%.at#on of #nterest on s#-p.e <as#s #nstea) of *o-po%n)#n$
<as#s fro- t1e )ate of 5P( on pr#n*#pa. a-o%nt on re)%*#n$ <a.an*es an) t1e rate of #nterest
s1a.. <e rea.#st#* #.e. at present PLR or rate of #nterest present./ *1ar$e) on t1e .oan a**o%nt?
w1#*1ever #s .ower.
2. D&#r&&" A##o'nt$
6ota. .#a<#.#t/ of t1e <orrower s1a.. <e *a.*%.ate)? as per ter-s of t1e )e*ree? #.e. rate of
#nterest awar)e) #n t1e )e*ree w#t1 *%-%.at#ve effe*t or s#-p.e s1a.. <e as per &e*ree.
. S'A-Stan"ar" A$$&t$
0n respe*t of s%<:stan)ar) assets? t1e a-o%nt of Re*overa<.e &%es s1a.. <e *a.*%.ate)
app./#n$ *ontra*te) rate of #nterest or present./ *1ar$e) rate of #nterest on t1e .oan a**o%nt?
w1#*1ever #s .ower? on s#-p.e <as#s fro- t1e )ate of 5P(. 61e a-o%nt of %nrea.#;e) #nterest
reverse) at t1e t#-e of )e*.ar#n$ t1e a**o%nt 5P( for t1e f#rst t#-e s1a.. <e a))e).
T-e salient %eatures o% t-e a!!ro#e$ amen$ments are as un$erE-
5et present va.%e of rea.#;a<.e va.%e of pr#-ar/ / *o..atera. se*%r#t#es s1a.. <e *a.*%.ate)
as per )eta#.e) for-%.a $#ven %n)er.
61e *a.*%.at#on of sett.e-ent a-o%nt s1a.. <e <ase) on net present va.%e of rea.#;a<.e
va.%e of se*%r#t#es #n *ase of )o%<tf%. an) .oss 5P( a**o%nts?
0n *ase of a.. t1ose <orrowa. a**o%nts? w1ere#n awar) staff 1as $%arantee) / ava#.e) t1e
.oan an) 1as ret#re) or #s not a.#ve? t1e sett.e-ent proposa. s1a.. <e *ons#)ere) / a..owe)
</ t1e C1a#r-an = 8ana$#n$ &#re*tor.
0n *ase of a.. t1ose <orrowa. a**o%nts? w1ere#n +ff#*er 1as $%arantee) / ava#.e) t1e .oan
an) 1as ret#re) or #s not a.#ve? t1e sett.e-ent proposa. s1a.. <e *ons#)ere) / a..owe) </
t1e 8ana$e-ent Co--#ttee of t1e Boar).
!e*on)-an of R+ )oes not 1ave power to sett.e-ent t1e a**o%nt %n)er t1e po.#*/
Ca%#'%aton o( N&t Pr&$&nt 7a%'& O( R&a%EaA%& 7a%'& O( C)ar!&" Prmar> , Co%%at&ra%
S&#'rt&$
(a) &#stress @a.%e of *1ar$e) pr#-ar// *o..atera. se*%r#t#es
Q1 N r / 100P n
r O Preva#.#n$ PLR of t1e Bank
n O 5o. of /ears for rea.#;at#on of se*%r#t#es <ase) on t1e *o-p.#*#t/ of t1e *ase.
(<) "ro- t1e a-o%nt *a.*%.ate) as (a) a<ove? as eDpenses towar)s *ost/ eDpenses/ "ee
pa/a<.e to ,nfor*e-ent ($ent et*. for rea.#;at#on of se*%r#t#es <e )e)%*te).
(*) 5et Present @a.%e of Rea.#;a<.e @a.%e of C1ar$e) !e*%r#t#es O (a) C (<)


TAMASU9 DEED C 6o <e o<ta#ne) on sta-p paper </ <orrower/$%arantors. 0t *onta#ns t1e ter-s
of san*t#on of sett.e-ent an) #n *ase of )efa%.t #n repa/-ent of sett.e-ent? t1e <orrower
(o<.#$ant) s1a.. .#a<.e to pa/ t1e w1o.e a-o%nt )%e on t1e )ate of )efa%.t a.on$w#t1 *o-p.ete
#nterest .#a<#.#t/ on ent#re )%es of t1e <ank an) .#t#$at#on eDpenses #n*%rre)/to <e #n*%rre) </
t1e <ank.

61e 8ana$e-ent Co--#ttee of t1e Boar) w#.. <e t1e *o-petent a%t1or#t/ to *ons#)er an)
san*t#on t1e *re)#t fa*#.#t#es to ,D:*.#ents of o%r <ank /*.#ents of ot1er <anks w1o 1a) a)E%ste)
t1e#r a**o%nt %n)er *o-pro-#se/ne$ot#ate) sett.e-ent.

Important %$t o( Empan&%%&" $'pportn! a!&nt$ o( o'r AankD

A$$&t$ R&#on$tr'#ton Compan> ;I< LTD5;ARCIL): >ea) off#*e at 8%-<a# C "#rst (RC #n t1e
*o%ntr/? .#*ense) </ RB0 %n)er t1e !(R"(,!0 (*t. 2002 w1#*1 1as <een pro-ote) </ !B0?0C0C0
Bank? 0&B0 = ot1er Pr#vate !e*tor Bank/#nst#t%t#ons C
F'n#tonn! C P%r*1ase of 5P( of t1e *o--er*#a. <anks "#nan*#a. #nst#t%t#ons.

Som& mportant 6'"&%n&$ on p'r#)a$&,$a%& o( Non p&r(ormn! Fnan#a% A$$&t$D

1. ( non perfor-#n$ f#nan*#a. asset s1o%.) <e 1e.) </ t1e p%r*1as#n$ <ank #n #ts <ooks at .east
for a per#o) of 15 -ont1s <efore #t #s so.) to ot1er <anks. Banks s1o%.) not se.. s%*1 assets
<a*k to t1e <ank? w1#*1 1a) so.) t1e 5P"(
2. 61e non perfor-#n$ f#nan*#a. asset p%r*1ase)? -a/ <e *.ass#f#e) as !tan)ar) #n t1e <ooks of
t1e p%r*1as#n$ <ank for a per#o) of 90 )a/s fro- t1e )ate of p%r*1ase.
. 0f t1e sa.e pr#*e <e.ow t1e net <ook va.%e (5B@) (#.e. <ook va.%e .ess prov#s#ons 1e.)) t1e
s1ortfa.. s1o%.) <e )e<#te) to t1e prof#t an) .oss a**o%nt of t1at /ear.
4. 0f t1e sa.e #s for a va.%e 1#$1er t1an t1e 5B@? t1e eD*ess prov#s#ons s1a.. not <e reverse) <%t
w#.. <e %t#.#;e) to -eet t1e s1ortfa../.oss on a**o%nt of sa.e of ot1er non perfor-#n$
f#nan*#a. assets.
5. "or t1e p%rpose of *ap#ta. a)e2%a*/? <anks s1o%.) ass#$n 100% r#sk we#$1ts to t1e non
perfor-#n$ f#nan*#a. p%r*1ase) fro- ot1er <ank.
T)& t&rm RP'#k Morta%t>R m&an$ an" n#%'"&$ t)& %oan a##o'nt$ t)at A&#am& NPA ?t)n a
p&ro" o( +. mont)$ (rom t)& "at& o( (r$t "$A'r$&m&nt5

EAS,SMA
1. ,(! C 001( (,ar./ (.ert !/ste-) w1ere t1e #rre$%.ar#t/ #s pers#st#n$ $reater t1an 1 )a/ to
0 )a/s for #nterest / #nsta.-ent pa/-ent #n CC/+&/ L+(5!/B#..s P%r*1ase) et*. an) %pto
90 )a/s #n *ase of non s%<-#ss#on of sto*k state-ent an) renewa. of san*t#on .#-#t an)
%pto 180 )a/s #n *ase of a$r#*%.t%re 1arvest re.ate) .oans an) a)van*es.

2. !8(: 002(!pe*#a. 8ent#on (**o%nts) w1ere t1e #rre$%.ar#t/ #s pers#st#n$ $reater t1an 0
)a/s to 90 )a/s for #nterest / #nsta.-ent pa/-ent #n CC/+&/ L+(5! /B#..s P%r*1ase) et*.
an) %pto 180 )a/s #n *ase of non s%<-#ss#on of sto*k state-ent an) renewa. of san*t#on
.#-#t an) %pto one /ear #n *ase of a$r#*%.t%re 1arvest re.ate) .oans an) a)van*es.



LOAN AND AD7ANCES
D$po$a% o( Loan app%#aton$ 'pto M 35-- %a#$
Cat&!or> o( Aorro?&r an" $E& o( %mt Tm& norm$ (or "$po$a%
Loan %pto 25000/:for s-a.. <orrower K#t1#n two weeks of re*e#pt of .oan
app.#*at#on prov#)e) #t #s *o-p.ete #n a..
respe*t
(.. ot1er *ases for .oans %pto M 5 .a*s K#t1#n 4 weeks C )o :
ReEe*t#on of .oan proposa. C !C/!6? !!0? ,YP+R6 app.#*at#on *an <e reEe*te) on./ neDt 1#$1er
a%t1or#t/

S>$t&m o( a$$&$$m&nt o( #r&"t %mt$
Upto M 3 #ror&$ ;Na>ak Commtt&&< C 61e work#n$ *ap#ta. .#-#t of t1e <orrowers w#t1 work#n$
.#-#ts %pt o M 5 *rores #n *ase of !8, %n#ts/ot1er %n#ts #s *o-p%te) on t1e <as#s of 20% of t1e#r
rea.#st#* proEe*te) t%rnover s%<Ee*t to t1e *on)#t#on t1at a -#n#-%- -ar$#n of 5% of t%rnover
s1a.. <e <ro%$1t #n </ t1e pro-oters/<orrowers as t1e#r own *ontr#<%t#on. C%rrent rat#o s1o%.)
<e -#n#-%- 1.17

AAoB& M 3 #ror&$ ;Tan"on Commtt&&< C 61e 8PB" s/ste- #s propose) to <e *ont#n%e) an)
%n#for-./ fo..owe) for a.. <orrowers w#t1 work#n$ *ap#ta. .#-#t a<ove M 5 *rores. (pp./ 00n)
-et1o) of .en)#n$? *%rrent rat#o s1o%.) <e -#n#-%-1..
Consort#%- f#nan*#n$ C 61e RB0 $%#)e.#nes for -an)ator/ for-at#on of *onsort#%- #n respe*t of
work#n$ *ap#ta. .#-#ts of M 50 *rores an) a<ove for t1e <ank#n$ s/ste- stan)s w#t1)rawn.
P%<.#* se*tor %n)ertak#n$s (owne) </ t1e state / *entra. $ovt) ra#s#n$ *orporate .oan / ter-
.oan et*. -a/ not <e s%<Ee*te) to an/ pre:san*t#on/ post san*t#on v#s#t.
5o pena. #nterest <e *1ar$e) for P! ()van*es : %p to M 25000
5o Pena. 0nterest <e *1ar$e) after t1e )ate of 5P(
5o pena. #nterest <e *1ar$e) #n ,)%*at#on Loan (/* : %p to M 4 .a*
61e -aD#-%- per#o) of <r#)$e .oan s1a.. not eD*ee) 1 /ear.
61e san*t#on of <r#)$e .oan s1a.. <e a**o--o)ate) w#t1#n t1e *e#.#n$ of 40% of 5et Kort1 to
*ap#ta. -arket an) *an <e san*t#one) </ >+ on./.
(.. fres1 *re)#t proposa.s (<ot1 f%n) <ase) an) non f%n) <ase)) eD*ee)#n$ Rs.25 *rore s1a.. <e
referre) 5B4 (5ew B%s#ness 4ro%p) 1ea)e) </ C8&.
48 (Lar$e Corporate Cre)#t) w#.. <e t1e Convener of t1e 5B4.
0n ter-s of !e*t#on 19 (2) of t1e Bank#n$ Re$%.at#on (*t? 1949? t1e <anks s1o%.) not 1o.) s1ares
#n an/ *o-pan/ eD*ept as prov#)e) #n s%<:se*t#on (1) w1et1er as p.e)$ee? -ort$a$ee or
a<so.%te owner? of an a-o%nt eD*ee)#n$ 0 per*ent of t1e pa#) %p s1are *ap#ta. of t1at
*o-pan/ or 0% of #ts own pa#) %p s1ares *ap#ta. an) reserves? w1#*1ever #s .ess.
5o .oans to <e $rante) a$a#nst part./ pa#) s1ares.
5o .oans to <e $rante) to partners1#p/ propr#etors1#p *on*erns a$a#nst t1e pr#-ar/ se*%r#t/ of
s1ares an) )e<ent%res.
(.. t1e $%#)e.#nes #ss%e) </ t1e RB0 on 8one/ 8arket 8%t%a. "%n) (888") 1ave <een w#t1)rawn
an) t1e <anks are to <e $%#)e) </ t1e !,B0 Re$%.at#ons #n t1#s re$ar).
Bank *an not $rant .oan a$a#nst C&s (*ert#f#*ate of )epos#t)

B&n#)mark Rato
&e<t e2%#t/ rat#o (&, rat#o) C 2A1Q>owever for !8,? Cap#ta. #ntens#ve #n)%str#es/
#nfrastr%*t%re proEe*ts sa-e -a/ <e *ons#)ere) %p to A1P
Levera$e Rat#o C 4 Qfor !8,? *ap#ta. #ntens#ve #n)%str#es/ #nfrastr%*t%re proEe*ts = tra)#n$
*on*erns (w1ere *re)#tor are $enera../ ver/ 1#$1) %pto 'A1 -a/ <e *ons#)ere) on *ase to
*ase <as#sP
C%rrent Rat#o : 1.17 for .#-#t %p to 5 *rore
1. for .#-#t a<ove 5 *rore
(for s%$ar #n)%str/ 1A1 )%r#n$ peak season)
Loan app%#aton (orm$D
1. Loan "or- 5o.1 (L":1) C "or .oan ot1er t1an reta#. *re)#t


2. Loan "or- 5o.2 (L":2) C "or reta#. *re)#t
. Loan "or- 5o. (L":) C "or ($r#*%.t%re .oan

Do#-*4 C Co--on ($ree-ent on "a#r Pra*t#*es/Len)er9s L#a<#.#t/ an) )#s*.os%re of #nfor-at#on
to C0B0L C 6o <e o<ta#ne) fro- ea*1 an) ever/ <orrower eD*ept staff .oan
A"Ban#& a!an$t E@$tn! ImmoBaA%& Propr&t>A !*1e-e rep.a*e) w#t1 OTLS

Ba$& Rat& Con#&ptD
61e Reserve <ank of 0n)#a *onst#t%te) a work#n$ $ro%p on <en*1-ark Pr#-e Len)#n$ Rate (PLR) to
s%$$est *1an$es to -ake *re)#t pr#*#n$ -ore transparent. Base) on t1e re*o--en)at#ons of t1e
$ro%p an) t1e s%$$est#ons fro- var#o%s stake 1o.)ers
S>$t&m o( Ba$& Rat&
1) T)& Ba$& Rat& 1as rep.a*e) t1e BPLR s/ste- ?t) &((&#t (rom K'%> +, .-+-5
2) 61e Bank w#.. not %&n" A&%o? Ba$& Rat& eD*ept to t1e fo..ow#n$ *ate$or#esA:
a. &R0 a)van*es
<. Loans to t1e Bank9s own e-p.o/ees
*. Loans to t1e Bank9s )epos#tors a$a#nst t1e#r own )epos#ts.
). 0n *ase of *rop .oan %p to Rs.00.ak1? for w1#*1 s%<vent#on #s ava#.a<.e? t1e Bank
wo%.) *1ar$e far-ers t1e #nterest rates as st#p%.ate) </ t1e 4overn-ent. 0f t1e /#e.)
to t1e Bank (after #n*.%)#n$ s%<vent#on) #s .ower t1an t1e Base Rate? s%*1 .en)#n$ w#..
not <e *onstr%e) to <e v#o.at#ve of Base Rate $%#)e.#nes.
e. 0n *ase of eDport *re)#t? #f as a *onse2%en*e of #nterest rate s%<vent#on (to spe*#f#e)
*ate$or#es)? t1e #nterest rate *1ar$e) to t1e eDporters $oes <e.ow t1e <ase rate? s%*1
.en)#n$ w#.. not <e *onstr%e) to <e v#o.at#ve of Base rate $%#)e.#nes. >owever? t1#s
rate w#.. <e s%<Ee*t to a f.oor rate of 7%.
f. 0n *ase of restr%*t%re) .oans #f so-e of t1e KC6L? "06L? et* nee) to <e $rante) <e.ow
t1e <ase rate? s%*1 .en)#n$ w#.. not <e *onstr%e) to <e v#o.at#ve of Base rate
$%#)e.#nes.
) COMPONENTS OF BASE RATEA:
61e Base rate s/ste- rep.a*es t1e eD#st#n$ BPLR s/ste- w.e.f. 01.07.2010 an) takes #nto
a**o%nt t1e fo..ow#n$ fa*tors/ *o-ponents for arr#v#n$ at Base rateA:

Ba$& Rat& H a G A G # G "
K1ere
a : Cost of &epos#ts / "%n)s (or an/ ot1er <en*1-ark)
A : 5e$at#ve Carr/ on CRR an) !LR
# : Lna..o*ata<.e +ver1ea) Cost
" : (vera$e Ret%rn on 5et Kort1

4) 61e *e#.#n$ rate #.e. PLR for .oans %p to Rs 2 .a* stan)s w#t1)rawn.
5) (pp.#*a<.e .en)#n$ rate w#.. <e arr#ve) at </ a))#n$ *%sto-er spe*#f#* *osts to Base Rate s%*1
as pro)%*t? tenor an) *re)#t r#sk pre-#%-s.

IMPLEMENTATION OF BASE RATE B8 OUR BAN9 W5E5F5 -+5-15.-+-
0n p%rs%an*e of RB0 )#re*t#ves to sw#t*1 over to Base Rate s/ste- w.e.f. 01.07.2010. (**or)#n$./?
a.. <ran*1es an) Re$#ona. +ff#*es s1o%.) take note of t1e *1an$es #n rate of #nterest *onse2%ent
%pon #ntro)%*t#on of Base Rate s/ste- w.e.f. 01.07.2010

+5 Do#'m&ntaton A$p&#tD-

(s re$ar)s .e$a. aspe*t of )o*%-entat#on #n t1e .#$1t of Base Rate s/ste-? t1e Law
&epart-ent 1as a)v#se) to *1an$e 7PLR9 to 7Base Rate9 </ 1an) #n t1e )o*%-ents an)
$et #t a%t1ent#*ate) </ <orrower.
(t t1e t#-e of renewa. t1e renewa. san*t#on s1o%.) -ent#on rate of #nterest .#nke) to
Base Rate an) a**eptan*e of t1e <orrower to t1e sa#) san*t#on <e o<ta#ne).
61e s%pp.e-entar/ a$ree-ent at t1e t#-e of renewa. -a/ a.so #n)#*ate t1e rate of
#nterest .#nke) to Base Rate.


Fo%%o?n! #at&tor&$ o( %oan #o'%" A& pr#&" ?t)o't r&(&r&n#& o( BR
(a) &R0 a)van*es (<) Loans to Bank own e-p.o/ees (*) Loan a$a#nst BankIs own )epos#t ()) 0ntt. on
s%<vent#on on *rop .oans (e) 0ntt. on s%<vent#on of eDport *re)#t. (f) Restr%*t%re) Loans.

!t#p%.at#on of BPLR as t1e *e#.#n$ rate for .oans %p to 2 .a*s stan)s w#t1)rawn.

Bank #s re2%#re) to rev#ew t1e BR at .east on*e #n 2%arter w#t1 t1e approva. of t1e Boar) or
(LC+s.

CHAR6ES FOR ACCESSIN6 CIBIL DATABASE AND 6ENERATIN6 CIBIL REPORTS FOR LOANS
!6(R6 &(6,A 1
st
5ove-<er 2009
4L0&,L05,!A 8(5&(6+R3.
C+@,R(4,A (LL 5,K L+(5! (5& +5 R,5,K(L +" ,Y0!6054 L+(5!
(,YC,P60+5A (LL L+(5! 6+ !6("" 8,8B,R! (5& "LLL3 !,CLR,& L+(5!
(4(05!6 &,P+!06! / L0XL0& !,CLR060,!)
!C>,&LL, +" C>(R4,!A
No SE6MENT Cr&"t In(ormaton R&port
;CIR< 6&n&rat&"
C)ar!&$ P&r CIR G
S&rB#& Ta@
1 C0R w#t1 Co-<o !*ores M '2.00 N !er. 6aD
2
C+5!L8,R !,48,56 #.e.
0n)#v#)%a.s 5o 8at*1 "o%n) !tat%s M .00 N M !er. 6aD
C0R M 700.00 N !er. 6aD
4
C+88,RC0(L !,48,56 #.e.
+t1er t1an 0n)#v#)%a.s 5o 8at*1 "o%n) !tat%s 5+ C>(R4,!

1. C1ar$es are LP"R+56 to <e )epos#te) a.on$w#t1 t1e for-a. Loan (pp.#*at#on
2. C1ar$es are P,R C0R C>(R4,! for Cons%-er (w#t1 Co-<o !*ore) an) Co--er*#a. !e$-ents?
respe*t#ve./.
. C1ar$es wa#ve) for Pr#or#t/ !e*tor Loans %pto M 25000/:

SUMMAR8 - LOAN POLIC8
6UIDIN6 PRINCIPLES FOR ENSURIN6 COMPLIANCE OF LOAN POLIC8
1. SMALL = MEDIUM ENTERPRISES ;SME<
K#t1 a v#ew to para)#$- s1#ft fro- s-a.. s*a.e #n)%str/ to s-a.. = -e)#%- enterpr#ses? t1e
4overn-ent of 0n)#a 1as ena*te) t1e 8#*ro? !-a.. = 8e)#%- ,nterpr#ses &eve.op-ent (*t
(8!8,&)? w1#*1 was not#f#e) on +*to<er 02? 200'.
61e )ef#n#t#on of 8#*ro? !-a.. = 8e)#%- ,nterpr#ses as a)v#se) </ RB0 #s as %n)erA:
1.1 D&(nton o( M#ro, Sma%% = M&"'m Ent&rpr$&$
Rev#se) )ef#n#t#on #s #n two parts? separate./ for -an%fa*t%r#n$ = serv#*e se*tor.
(**or)#n$./? t1e s%< se*tors of !8, are as %n)erA
1.2 Man'(a#t'rn! Ent&rpr$&$ (en$a$e) #n t1e -an%fa*t%re/pro)%*t#on? pro*ess#n$ or
preservat#on of $oo)s)
(a) M&"'m ;man'(a#t'rn!< Ent&rpr$&$D K1ose #nvest-ent #n p.ant an) -a*1#ner/
Qor#$#na. *ost eD*.%)#n$ .an) an) <%#.)#n$P #s -ore t1an Rs. 5 *rore <%t )oes not
eD*ee) Rs. 10 *rore.
(<) Sma%% ;man'(a#t'rn!< Ent&rpr$&$A K1ose #nvest-ent #n p.ant an) -a*1#ner/
Qor#$#na. *ost eD*.%)#n$ .an) an) <%#.)#n$P )oes not eD*ee) Rs. 5 *rore.
(*) M#ro ;man'(a#t'rn!< Ent&rpr$&$A w1ose #nvest-ent #n p.ant an) -a*1#ner/
Qor#$#na. *ost eD*.%)#n$ .an) an) <%#.)#n$P )oes not eD*ee) Rs. 25 .a*s #rrespe*t#ve of
t1e .o*at#on of t1e %n#t.

1. S&rB#& Ent&rpr$&$ (en$a$e) #n prov#)#n$/ren)er#n$ of serv#*es)
(a) M&"'m ;$&rB#&< Ent&rpr$&$D w1ose #nvest-ent #n e2%#p-ent (or#$#na. *ost
eD*.%)#n$ .an) an) <%#.)#n$ an) f%rn#t%re? f#tt#n$s an) ot1er #te-s not )#re*t./ re.ate)
to t1e serv#*e ren)ere)) #s -ore t1an Rs. 2 *rore <%t )oes not eD*ee) Rs. 5 *rore.
(<) Sma%% ;$&rB#&< Ent&rpr$&$A w1ose #nvest-ent #n e2%#p-ent (or#$#na. *ost eD*.%)#n$
.an) an) <%#.)#n$ an) f%rn#t%re? f#tt#n$s an) ot1er #te-s not )#re*t./ re.ate) to t1e
serv#*e ren)ere)) )oes not eD*ee) Rs. 2 *rore.


(*) M#ro ;$&rB#&< Ent&rpr$&$D w1ose #nvest-ent #n e2%#p-ent Qor#$#na. *ost eD*.%)#n$
.an) an) <%#.)#n$ an) f%rn#t%re? f#tt#n$sP )oes not eD*ee) Rs. 10 .a*s.
61e s-a.. an) -#*ro (serv#*e) enterpr#ses s1a.. #n*.%)e s-a.. roa) = water transport
operators? s-a.. <%s#ness? profess#ona. = se.f:e-p.o/e) persons? an) a.. ot1er serv#*e
enterpr#ses.

Bank$ %&n"n! to m&"'m &nt&rpr$&$ ?%% not A& n#%'"&" (or t)& p'rpo$& o(
r&#konn! o( a"Ban#&$ 'n"&r t)& prort> $&#tor.

Ho?&B&r, a"Ban#&$ to Sma%% = M&"'m Ent&rpr$&$ $)a%% A& 'n"&r t)r'$t ar&a (or
%&n"n!

1.4 9)a" an" 7%%a!& In"'$tr&$ S&#tor ;97I<
(.. a)van*es $rante) to %n#ts #n t1e G@0 se*tor? #rrespe*t#ve of t1e#r s#;e of operat#ons?
.o*at#on an) a-o%nt of or#$#na. #nvest-ent #n p.ant an) -a*1#ner/ w#.. for- part of s-a..
enterpr#ses. !%*1 a)van*es w#.. <e e.#$#<.e for *ons#)erat#on %n)er t1e s%<:tar$et ('0 per
*ent) of t1e s-a.. enterpr#ses se$-ent w#t1#n t1e pr#or#t/ se*tor.

Entr> L&B&% For N&? Borro?&r$ Un"&r T)r'$t, R&$tr#t&", 6&n&ra% In"'$tr&$,S&#tor

Part#'%ar Nam& o( n"'$tr&$,S&#tor Entr> L&B&%
(or n&? A,C$
In(ra$tr'#t'r& (s )ef#ne) </ RB0 IMaCS + to 0
T)r'$t ar&a &r%$ = P1ar-a*e%t#*a.s? "oo)
Pro*ess#n$? ,.e*tron#*s = ,.e*tr#*a.
,2%#p-ent? Reta#. 6ra)e? !8,(8f$ =
!erv#*e) ($ro <ase) #n)%str/(+t1er t1an
t1ose #n restr#*te) area)? (%to-o<#.e
an*#..er/? .o$#st#*s? pa*ka$#n$? p1ar-a =
*1e-#*a.s
IMaCS + to 0
R&$tr#t&" ar&a 5B"Cs(+t1er t1an !/ste-#* 0-portant
5B"Cs) ?"#.- 0n)%str/ #n*.%)#n$ )%<<#n$?
6ea/Coffee? J%te? (s<estos s1eet
-an%fa*t%r#n$? an) R%<<er P.antat#ons?
Je-s = Jwe..er/
IMaCS +to 2
6&n&ra% 5B"Cs (*overe) %n)er s/ste-#* #-portant
5B"Cs)? !oftware? BP+/Ca.. Centres/ +t1er
0n)%str#es/se*tors not *.ass#f#e) %n)er
t1r%st area or Restr#*te) area of .en)#n$
IMaCS + to 0
E"'#aton Loan 'pto
153- La#
8a/ <e san*t#one) on -er#t #rrespe*t#ve of
rat#n$ $ra)e
IMaC$ + to +-
Tak&oB&r a##o'nt 1. 0n)%str#es fa..#n$ %n)er $enera. an)
t1r%st area
2. 0n)%str#es fa..#n$ %n)er restr#*te) area
IMaC$ + to 3

IMaC$ + to *

P&rmtt&" D&Baton An" A't)ort> For Entr> L&B&% Ratn!$D
Nat'r& o( n"'$tr> Entr> %&B&%
Ratn!
R&%a@aton
P&rmtt&"
'pto
A't)ort> to p&rmt
r&%a@aton
0n)%str#es/se*tors spe*#f#e)
%n)er restr#*te) area of
f#nan*#n$
08aC! 1 to 4 08aC! 5 = '
(.. ot1er #n)%str#es/se*tors

08aC! 1 to ' 08aC 7
a) 5eDt >#$1er (%t1or#t/ #n
respe*t of proposa.s fa..#n$
%pto t1e powers of 4enera.
8ana$er.
<) ,&/C8&/8CB -a/ *ons#)er
proposa.s fa..#n$ w#t1#n t1e#r
respe*t#ve powers.


6ro'p D&(nton o( t)& Bank

61e fo..ow#n$ s1a.. <e t1e *r#ter#a for )eter-#n#n$ t1e $ro%p *on*ept <ase) %pon
RB0 $%#)e.#nesA

a) 61e $ro%p to w1#*1 a part#*%.ar <orrow#n$ %n#t <e.on$s? -a/? <e )e*#)e) </ <ank on
t1e <as#s of t1e re.evant #nfor-at#on ava#.a<.e? t1e $%#)#n$ pr#n*#p.e <e#n$
*o--ona.#t/ of -ana$e-ent an) effe*t#ve *ontro.. 0n so far as p%<.#* se*tor
%n)ertak#n$s are *on*erne)? on./ s#n$.e <orrower eDpos%re .#-#t wo%.) <e app.#*a<.e.
<) 0n t1e *ase of a sp.#t #n t1e $ro%p? #f t1e sp.#t #s for-a.#se) t1e sp.#nter $ro%ps w#.. <e
re$ar)e) as separate $ro%ps. 0f <ank 1as )o%<t a<o%t t1e <ona f#)es of t1e sp.#t? a
referen*e -a/ <e -a)e to RB0 for #ts f#na. v#ew #n t1e -atter to pre*.%)e t1e
poss#<#.#t/ of a sp.#t <e#n$ en$#neere) #n or)er to prevent *overa$e %n)er t1e 4ro%p
(pproa*1.

B&$"&$ t)& aAoB& t)& 6ro'p,A%%&",S$t&r Con#&rn $)a%% n#%'"& t)& (o%%o?n!D
[ 6wo *on*erns 1av#n$ one or -ore *o--on propr#etors/partner(s)B or
[ 61e propr#etor/partner of a f#r- <e#n$ )#re*tor #n a Pr#vate / P%<.#* .t). *o-pan/ an)
v#*e:versa s1a.. <e taken as one for t1e p%rpose of $ro%p *on*ept.
[ (n/ of t1e )#re*tors of t1e Pr#vate L#-#te) Co-pan/ #s t1e )#re*tor of anot1er pr#vate
.#-#te) *o-pan/B or
[ ( L#-#te) Co-pan/ #s s%<s#)#ar/ of anot1er .#-#te) Co-pan/ w#t1#n t1e -ean#n$ of t1e
*o-pan#es (*t ? 195'B or
[ ( .#-#te) Co-pan/ #s *.ose./ 1e.) *o-pan/ w#t1 s%<stant#a. #nterest #.e. -ore t1an 20%
of t1e e2%#t/ s1are *ap#ta. of t1e *o-pan/ #s owne) </ t1e ot1er *on*ern(s)B or
[ Profess#ona. &#re*tors of t1e Boar) s1a.. <e eD*.%)e) for t1e p%rpose of t1e *on*ept of
t1e 4ro%p.
[ 61e -e-<er of an >L" #s a propr#etor/partner of a *on*ern or )#re*tor of a pr#vate
.#-#te) *o-pan/.
[ 61e fa*#.#t#es san*t#one) to t1e $%arantor(s) s1a.. <e taken #nto a**o%nt for t1e p%rpose
of eDpos%re per $ro%p. >owever t1e two *on*erns s1a.. not <e ter-e) as
a..#e)/asso*#ate/s#ster *on*erns -ere./ <e*a%se of 1av#n$ a *o--on $%arantor #f t1e
$%arantor #s not enEo/#n$ an/ *re)#t fa*#.#t#es as #n)#v#)%a. or as a
propr#etor/partners/)#re*tors of a f#r-/*o-pan/.
[ 0n *ase t1e 8ana$#n$ 8e-<er of a !a-#t# / !o*#et/ or 6r%stee of a 6r%st or 8ana$#n$
person of a C.%< #s a propr#etor/ partner/ )#re*tor / Garta of >L"/ 8ana$#n$ 8e-<er or
8ana$#n$ Person #n an/ ot1er *onst#t%ent <o)/ of s#-#.ar nat%re or #n t1e f#r-/ *o-pan/
/ !o*#et// 6r%st et*.
0n )eter-#n#n$ t1e 4ro%p Con*ept t1e )ef#n#t#on of $ro%p as a)v#se) </ Reserve
Bank of 0n)#a s1a.. <e fo..owe) an) t1e $%#)#n$ pr#n*#p.e

C&ntra%$&" Pro#&$$n! C&%% ;CPC<
Centra. Pro*ess#n$ *e..s 1ave <een esta<.#s1e) at se.e*t Re$#ona. +ff#*es for pro*ess#n$ of Loan
proposa.s w#t1 an a$$re$ate eDpos%re of Rs 50.00 .a*s an) a<ove. 61e CPCs *over a.. fres1 *ases
of Rs 50.00 .a*s an) a<ove *over#n$ a.. se*tors #n*.%)#n$ Corporates? tra)ers? !8, et*.Ho?&B&r
Aran#)&$ )&a"&" A> S#a%&-I7 an" aAoB& $)a%% not (a%% 'n"&r t)& p'rB&? o( CPC$5 61e <as#*
o<Ee*t#ve of CPC #s to 1e.p eDpe)#t#n$ *re)#t )e*#s#on on new *ases on./. CPC s1a.. f%n*t#on %n)er
t1e *1ar$e of t1e se*on) -an at t1e Re$#ona. off#*e. Pr&$&nt%> 2 CPC$ ar& 'n"&r op&raton.

Lar!& Corporat& Bran#)
K#t1 an o<Ee*t#ve to eDpe)#te t1e )e*#s#on -ak#n$ pro*ess an) -eet t1e eDpe*tat#ons = nee)s
of *orporate *.#ents </ *%tt#n$ )own one of 1#erar*1a. .a/ers? t1e Bank 1as #)ent#f#e) 11 .ar$e
*orporate <ran*1es. (t present proposa.s #nvo.v#n$ eDpos%res of Rs 50.00 Crores an) a<ove are to
<e enterta#ne) </ t1e Lar$e Corporate <ran*1. (.. eD#st#n$ <orrowa. a**o%nts s1a.. *ont#n%e to <e
serv#*e) at t1e LCBs. >owever? t1e <ran*1 s1a.. *on*entrate #n -arket#n$ fres1 a**o%nts w#t1
*re)#t .#-#ts of Rs. 50.00 *rores an) a<ove. 61ere #s no <ar #n a**ept#n$ ot1er a**o%nts as we...


Proposa.s w#t1 *re)#t .#-#ts <e.ow Rs.50.00 *rores s1a.. *ont#n%e to <e )ea.t w#t1 as per eD#st#n$
s/ste-. "res1 proposa.s of Rs. 50.00 *rores an) a<ove <e sent </ <ran*1 )#re*t./ to >ea) +ff#*e
w#t1 a *op/ to Re$#ona. +ff#*e.

M" Corporat& Bran#)&$
61e <ank 1as a)opte) a strate$/ for -arket#n$? appra#sa.? *re)#t )e.#ver/ an) ens%r#n$ *re)#t
2%a.#t/ #n t1e 80& Corporate portfo.#o of t1e <ank. 8#) Corporate a**o%nts 1ave <een )ef#ne) </
o%r <ank as a**o%nts w#t1 .#-#ts of Rs. 5.00 *rores an) %pto an) #n*.%s#ve of Rs.50.00 *rores. (t
present o%r <ank 1as #)ent#f#e) 8 8#) Corporate Bran*1es sprea) over 24 Re$#ons to -arket
so%n) <orrowa. a**o%nts %n)er t1#s se$-ent. 6o $#ve a fo*%se) attent#on? t1ere #s a separate
w#n$ #n t1e Cre)#t &epart-ent at >ea) +ff#*e 1ea)e) w#t1 separate 4enera. 8ana$er (!8, = 8#)
Corporate) as t1e >ea).

In #a$& o( )o'$n! %oan$ Ba%'aton $)a%% A& "on& a$ 'n"&rD
0n *ase? *onstr%*te) 1o%se/f.at #s p%r*1ase)? t1e *ons#)erat#on -ent#one) #n t1e sa.e
)ee) s1a.. *ont#n%e to <e t1e va.%e of t1e 1o%se for one /ear for t1e p%rpose of se*%r#t/.
>owever #t s1a.. <e $ot reva.%e) after one /ear fro- t1e approve) va.%er on t1e pane. of t1e
Bank. 61e va.%e as assesse) </ t1e va.%er s1a.. <e treate) as va.%e of t1e propert/ for se*%r#t/
po#nt of v#ew.
0n *ase? t1e 1o%se #s *onstr%*te) on t1e p.ot or se-#:<%#.t 1o%se #s f%../ *onstr%*te)? t1e
va.%at#on as per $%#)e.#nes -ent#one) #n t1e *#r*%.ar %n)er referen*e s1a.. <e $ot )one fro- t1e
approve) va.%er on t1e pane. of t1e Bank after *o-p.et#on of t1e 1o%se an) va.%e assesse) </
t1e va.%er s1a.. <e treate) as va.%e of t1e propert/ for se*%r#t/ po#nt of v#ew.
61ereafter? t1e a<ove se*%r#t#es s1a.. <e rev#ewe) t1ereafter on*e #n t1ree /ears #n
a**or)an*e w#t1 *#r*%.ar 5o:>+/R#sk 8$-t/42/200':07/587 )ate) 20.0.2007 t#.. t1e L6@ (.oan
to va.%e) *o-es )own to 75% or .ess.
(n %n)ertak#n$ s1a.. <e o<ta#ne)? at t1e t#-e of )o*%-entat#on? fro- t1e <orrowers w1o
are ava#.#n$ 1o%s#n$ .oan at -ar$#n of .ess t1an 25% a%t1or#;#n$ t1e Bank for $ett#n$ t1e propert/
reva.%e) at t1e#r (<orrowersI) *ost fro- t1e approve) va.%er of t1e Bank. 61e *ost of s%*1
va.%at#on s1a.. <e )e<#te) to t1e a**o%nt of t1e <orrower.

T)& Str'#t'r&" M&Eannn& Cr&"t Fa#%t> ;SMCF<
61e !tr%*t%re) 8e;ann#ne Cre)#t fa*#.#t/ (!8C") 1as <een a..o*ate) f%n)s of Rs. 250.00 *rores
</ 8CB v#)e 8CR no.C:40 )ate) 17.0.07. !8C" 1as <een esta<.#s1e) pr#-ar#./ to prov#)e
-e;;an#ne f%n)#n$ to 0n)#an Co-pan#es to ena<.e t1e- to s*a.e %p s#;e of t1e#r operat#ons </
eDp.or#n$ opport%n#t#es )%r#n$ t1e *%rrent p1ase of $rowt1 #n t1e 0n)#an e*ono-/.

Sa%&nt (&at'r&$ o( t)& (a#%t> ar& a$ 'n"&rD
61e fa*#.#t/ #s sponsore) </ o%r Bank? Bank of 0n)#a ? Canara Bank? 0n)#an Bank an) 0L="!
w#t1 a *o--#t-ent of Rs. 250.00 *rores fro- ea*1.
L="! wo%.) a*t as "a*#.#t/ -ana$er for t1e fa*#.#t/.
+%r s1are w#t1 re$ar) to eDpos%re to t1e <orrower s1a.. <e 9.4% of t1e tota. 8e;ann#ne
*re)#t re2%#re-ent.
61e )es#$nate) <ran*1 to a)-#n#ster t1e fa*#.#t/ s1a.. <e ,:B.o*k? Conna%$1t P.a*e? 5ew
&e.1#.
C8& s1a.. <e e-powere) to no-#nate an/ ot1er <ran*1 to a)-#n#ster t1e fa*#.#t/ as an)
w1en re2%#re).
61e san*t#on of t1e .oan to t1e <orrowers s1a.. <e as per operat#ve $%#)e.#nes/po.#*/ of
<ank #ss%e) fro- to t#-e.

Poo%&" M'n#pa% D&At OA%!aton Fa#%t> ;PMDO<
61e Poo.e) 8%n#*#pa. &e<t +<.#$at#on "a*#.#t/ (P8&+) 1as <een a..o*ate) f%n)s of Rs.150.00
*rore </ t1e 8CB v#)e 8CR 5o.C:1 )ate) 29.09.200'. 61#s fa*#.#t/ #nten)s to *reate an
env#ron-ent w1ere Lr<an Lo*a. Bo)#es? !tate 4overn-ents an) ot1er stake1o.)ers wo%.) e-<ark
on a ser#es of refor-s to #-prove *re)#t wort1#ness an) <ank:a<#.#t/ of %r<an #nfrastr%*t%re
proEe*ts. P8&+ wo%.) prov#)e f%n)s </ wa/ of ter- .en)#n$ to 8%n#*#pa. Corporat#ons? Lr<an


Lo*a. Bo)#es? Lo*a. (%t1or#t#es? et*. for )eve.op#n$ Lr<an 0nfrastr%*t%re proEe*ts a*ross *#t#es #n
0n)#a on an #nte$rate) <as#s

Sa%&nt (&at'r&$ o( t)& (a#%t> ar& a$ 'n"&rD-

!ponsors *o-pr#se of 0&B0 Bank? 0n)#a 0nfrastr%*t%re "#nan*e Co-pan/ L#-#te) (00"CL)?
Canara Bank an) 0nfrastr%*t%re Leas#n$ = "#nan*#a. !erv#*es Lt). (0L="!).
61e fa*#.#t/ wo%.) <e -ana$e) </ 0L="! Lr<an 0nfrastr%*t%re (sset 8ana$ers L#-#te)
(0L0(8L).
+%r pro:rata s1are #n t1#s fa*#.#t/ works o%t to 5.45%.
61e )es#$nate) <ran*1 to a)-#n#ster t1#s fa*#.#t/ #s 8:B.o*k? Conna%$1t P.a*e? 5ew &e.1#
C8& s1a.. <e e-powere) to no-#nate an/ ot1er <ran*1 to a)-#n#ster t1e fa*#.#t/ as an)
w1en re2%#re).
61e san*t#on of t1e .oan to t1e <orrowers s1a.. <e as per operat#ve $%#)e.#nes/po.#*/ of
<ank #ss%

Loan App%#aton$ (or %&n"n! to MSE S&#tor
61e )#sposa. of .oan app.#*at#ons re.at#n$ to 8!, !e*tor s1a.. <e as fo..owsA
Cat&!or> o( Borro?&r an"
SE& o( Lmt
Tm& norm$ (or "$po$a%
Loans %pto Rs. 25?000/: K#t1#n two weeks of re*e#pt of .oan app.#*at#on
prov#)e) #t #s *o-p.ete #n a.. respe*ts an) )%./
a**o-pan#e) </ a *1e*k .#st
Loans %pto Rs. 5.00 La* K#t1#n fo%r weeks of re*e#pt of )%./ *o-p.ete)
.oan app.#*at#on prov#)e) #t #s *o-p.ete #n a..
respe*ts an) )%./ a**o-pan#e) </ a *1e*k .#st

(.. s%*1 Loan app.#*at#ons t1at are *o-p.ete #n a.. respe*ts an) a**o-pan#e) </ a
*1e*k.#st s1o%.) a.so <e a*know.e)$e) </ t1e <ank <ran*1es on t1e sa-e )a/ #.e. on t1e
)a/ t1e app.#*at#on #s re*e#ve) </ t1e <ran*1. >owever? #t s1o%.) <e ens%re) t1at .oan
app.#*at#ons prov#)e) to t1e prospe*t#ve <orrowers s1o%.) a.so #n*.%)e *1e*k:.#st of
papers /)o*%-ents re2%#re) for appra#sa. of t1e proposa..

Loan App%#aton$ aAoB& R$535-- La#

Propo$a% (or E@port Cr&"t Non-E@port
Cr&"t
!an*t#on of fres1/en1an*e-ents 0 )a/s 45 )a/s
Renewa. of eD#st#n$ *re)#t .#-#ts 21 )a/s 0 )a/s
;S<!an*t#on of a)1o* *re)#t fa*#.#t#es 7 )a/s 15 )a/s
(V) !an*t#on of a)1o* *re)#t fa*#.#t#es s1a.. <e s%<Ee*t to $%#)e.#nes #ss%e) fro-
t#-e to t#-e
61e t#-e fra-e #n)#*ates t1e -aD#-%- n%-<er of work#n$ )a/s fro- t1e )ate of
re*e#pt of .oan app.#*at#on w#t1#n w1#*1 t1e )e*#s#on 1as to <e *onve/e) to t1e
*%sto-er.
R&O&#ton O( Loan Propo$a%$
61e .oan app.#*at#ons perta#n#n$ to !C/!6? !8, an) ,Dports *annot <e reEe*te) </ t1e
san*t#on#n$ a%t1or#t/ %n)er w1ose powers t1e sa-e fa..s. +n./ t1e neDt 1#$1er san*t#on#n$
a%t1or#t/ *an reEe*t t1e sa-e. Bran*1 8ana$ers -a/ reEe*t app.#*at#ons #n s%*1 *ases
prov#)e) t1ese are ver#f#e) s%<se2%ent./ </ t1e Re$#ona. >ea)s.
D&At S&rB#& CoB&ra!& Rato
0n *ase of ter- .oans? net )e<t serv#*e *overa$e rat#o? #.e. eD*.%s#ve of #nterest pa/a<.e?
w1#*1 s1a.. nor-a../ not $o <e.ow 2. 8#n#-%- (vera$e 4ross &!CR of 1.5A1 w#.. <e
*ons#)ere) as reasona<.e re2%#re-ent for new as we.. as eD#st#n$ *onne*t#on.
0n *ase of 1#$1./ *ap#ta. #ntens#ve proEe*ts/ #nfrastr%*t%re proEe*ts? &!CR %p to 1.2A1 -a/
<e *ons#)ere) on *ase to *ase <as#s. 61#s #s 0n v#ew of t1e .on$ $estat#on per#o) an) t#-e


re2%#re) #n $enerat#on of *as1 f.ows #n *ase of *ap#ta. #ntens#ve %n#ts an) #nfrastr%*t%re
proEe*ts? t1e re.aDat#on s1a.. take *are of spe*#f#* *ases w1ere t1e sa-e #s warrante).
!#-#.ar./? r#sk fa*tor #s re.at#ve./ .ower w1ere repa/-ents are ass%re) </ wa/ of ann%#t/
pa/-ents fro- t1e 4overn-ent &epart-ent / .ease renta.s. 0n s%*1 *ases? &!CR %pto
1.A1 -a/ <e *ons#)ere).
Bes#)es? #n -an/ .ar$e *onstr%*t#on *ontra*ts/ rea. estate proEe*ts repa/-ent #s
proEe*te) t1ro%$1 ot1er aven%es s%*1 as a)van*e/.ease pa/-ents. 0n s%*1 *ases *as1
f.ows fro- s%*1 so%r*es -a/ a.so <e taken #nto *ons#)erat#on w1#.e *a.*%.at#n$ &!CR.
8.2. R&%a@aton n B&n#)mark Rato$ ;ot)&r t)an tak&oB&r a##o'nt$<
Fnan#a% Rato R&%a@&" B&n#)mark$ A> r&$p&#tB& San#tonn! A't)ort>
C%rrent Rat#o

Lpto 1.17A1
(Kork#n$ Cap#ta. .#-#ts <e/on) Rs.5.00 *rores)
Lpto 1.10A1
(Kork#n$ Cap#ta. .#-#ts %pto Rs.5.00 *rores)
61e san*t#on#n$ a%t1or#t/ -a/ take a v#ew an) sat#sf/ 1#-se.f / 1erse.f w1#.e
a**ept#n$ a .ower *%rrent rat#o an) t1e reasons -a/ <e s%#ta<./ re*or)e).
K1#.e tak#n$ a f#na. v#ew on t1e *%rrent rat#o an)/or proEe*te) .eve. of *%rrent
rat#o? t1e san*t#on#n$ a%t1or#t/ -a/ eDa-#ne var#o%s opt#ons to #-prove t1e
rat#o s%*1 as eDp.or#n$ poss#<#.#t/ of #nEe*t#on of a))#t#ona. f%n)s an) / or
p.o%$1#n$ <a*k of prof#ts? st#p%.at#ons for not )e*.ar#n$ )#v#)en) / non
w#t1)rawa. of prof#ts? re)%*t#on #n t1e .eve. of non:*%rrent assets an)
.#2%#)at#on of #nvest-ents o%ts#)e <%s#ness? #f an/? w#t1#n a reasona<.e t#-e.
&e<t ,2%#t/ Rat#o A1(ot1er t1an !8,? *ap#ta. #ntens#ve #n)%str#es ?#nfrastr%*t%re proEe*ts)
4A1 (#n respe*t of !8,? *ap#ta. #ntens#ve #n)%str#es ?#nfrastr%*t%re proEe*ts)
Levera$e Rat#o 5A1(ot1er t1an !8,? *ap#ta. #ntens#ve #n)%str#es ?#nfrastr%*t%re proEe*ts an)
tra)#n$ *on*erns)
'A1 (#n respe*t of !8,? *ap#ta. #ntens#ve #n)%str#es ?#nfrastr%*t%re proEe*ts an)
tra)#n$ *on*erns)
&!CR +n./ Re$#ona. >ea)s are per-#tte) for re.aDat#on #n &!CR for Bran*1/R+ *ases
. "or >ea) +ff#*e :respe*t#ve san*t#on#n$ a%t1or#t/.
61e re.aDat#on #n Ben*1-ark Rat#os as approve) #n t1e Loan Po.#*/ s1a.. <e s%<Ee*t to t1e
fo..ow#n$ *on)#t#onsA
$"!DIT "IS6 .A0AG!.!0T
Intro"'#tonD
Cre)#t R#sk 8ana$e-ent &epart-ent #s <e#n$ 1ea)e) </ 4enera. 8ana$er. 61e var#o%s
*o--#ttees v#;. (sset:L#a<#.#t/ 8ana$e-ent Co--#ttee? Cre)#t R#sk 8ana$e-ent Co--#ttee an)
+perat#ona. R#sk 8ana$e-ent Co--#ttee 1ave <een set %p as per RB0 $%#)e.#nes an) t1ese are
operat#ona.. 61e var#o%s po.#*#es v#;. Loan Po.#*/? Cre)#t R#sk 8ana$e-ent Po.#*/? (LC+ Po.#*/?
+perat#ona. R#sk 8ana$e-ent Po.#*/ et*. 1ave <een prepare) an) approve) </ t1e Boar) of
&#re*tors. 61ese po.#*#es are rev#ewe) fro- t#-e to t#-e .ook#n$ to t1e nee) of t1e <ank ?
RB0/4ovt. $%#)e.#nes on t1e s%<Ee*t.

61e <ank 1as <e*o-e Base. 00 *o-p.#ant as on 1.0.09 #n ter-s of t1e new *ap#ta. a)e2%a*/
fra-ework $%#)e.#nes #ss%e) </ t1e Reserve Bank of 0n)#a. 61e <ank #s present./ fo..ow#n$
stan)ar)#;e) approa*1 for *re)#t r#sk an) #s $ear#n$ #tse.f to a)opt t1e a)van*e) approa*1 #n )%e
*o%rse.
Cr&"t R$k Ratn! Mo"&%$ "&B&%op&" A> IMaCSA
Cre)#t R#sk Rat#n$ 8o)e.s )eve.ope) </ 08aC! -o)e. 1as <een #-p.e-ente) eD*.%s#ve./ w.e.f
01/08/2009 .61e *re)#t rat#n$ of <orrowers s1a.. <e )one on t1e 10 )#fferent -o)e.s prov#)e) </
8/s 08aC!. 61ere are e#$1t -o)e.s (1 to 8) for t1e *orporate an) two are for t1e reta#. an)
a$r#*%.t%re se*tor (9 = 10 respe*t#ve./) w1#*1 *aters t1e re2%#re-ent of )#fferent
f#e.)s/proposa.s of o%r *re)#t portfo.#o as -ent#one) <e.owA

S5NO Ratn! mo"&% Crt&ra Fnan#a% Data R&J'r&m&nt
1 Lar$e Corporate (LC) 6%rnover \O100 *r

61ree /ears a%)#te) f#nan*#a.
state-ent
2 !-a.. = 8e)#%-
,nterpr#ses (!8,)
6%rnover ] 100 *r
(-an%fa*t%r#n$)
state-ent


!-a.. B%s#ness = !erv#*e
(!B!)
6%rnover ] 100 *r
(tra)#n$ = serv#*es
se*tor)
state-ent
4 5B"C (*t#v#t/ <ase) 61ree /ears a%)#te) f#nan*#a.
state-ent
5 Banks (*t#v#t/ <ase) 61ree /ears a%)#te) f#nan*#a.
state-ent
' 4reen f#e.) #nfrastr%*t%re
proEe*t (0nfra)
5ew proEe*t
(#nfrastr%*t%re on./)
+ne /ear proEe*te) f#nan*#a.
state-ent
7 4reen f#e.) rea.
estate proEe*t (R,)
5ew proEe*t
(rea. estate on./)
state-ent
8 4reen f#e.) proEe*t (4") 5ew proEe*t (ot1er t1an
#nfra = rea. estate on./)
state-ent
9 Reta#.
1.>o-e Loan
2.,)%*at#on Loan
.Persona. Loan
(Loan 6o 0n)#v#)%a.s)
>o%s#n$ .oan
,)%*at#on .oans
(n/ reta#. ot1er
t1an 1o-e/e)%*at#on

0n*o-e = net wort1
0n*o-e = net wort1
0n*o-e = net wort1

10 ($r#*%.t%re
1.($r# Loan(6er- Loan)
2.($r# Loan Kork#n$
Cap#ta.)
.(..#e) Loan (6er-
Loan)
4.(..#e) Loan (Kork#n$
Cap#ta.)
(Loan 6o 0n)#v#)%a.s)
($r#*%.t%re Loan
&epen)#n$ +n 61e 6/pe
+f 61e "a*#.#t//
P%rpose +f Loan

0n*o-e = net wort1

(part fro- t1e a<ove 08aCs -o)e.s? a separate #n 1o%se -o)e. 1as <een *reate) for rat#n$ of
a**o%nts %n)er t1e +r#enta. 6ra)ers Loan !*1e-e.

6ra"n! Patt&rn U$&" In T)& IMaCS Cr&"t R$k Ratn! S>$t&m
61e *re)#t rat#n$ %n)er 08aC! -o)e.s #s <ase) on rat#n$ $ra)e of 1 to 10.61e r#sk .eve. an) #ts
)es*r#pt#on #s $#ven #n t1e fo..ow#n$ ta<.e
Ratn! !ra"& R$k %&B&% D&$#rpton
1 8#n#-a. r#sk >#$1est 2%a.#t/? w#t1 -#n#-a. r#sk.
2 8o)est r#sk >#$1est 2%a.#t/ an) are s%<Ee*t to ver/ .ow *re)#t r#sk
(vera$e r#sk Lpper -e)#%- $ra)e an) s%<Ee*t to .ow *re)#t r#sk
4 (**epta<.e r#sk ()e2%ate *re)#t 2%a.#t/ an) s%<Ee*t to (vera$e *re)#t r#sk.
5 (**epta<.e w#t1
*are
8o)erate *re)#t 2%a.#t/ an) -a/ posses spe*%.at#ve
*1ara*ter#st#*s.
' 8ana$e-ent
attent#on
!pe*%.at#ve e.e-ents an) are s%<Ee*t to 1#$1 *re)#t r#sk.
7 !pe*#a. *are !pe*%.at#ve an) are s%<Ee*t to 1#$1 *re)#t r#sk
8 !%<stan)ar) Poor stan)#n$ an) are s%<Ee*t to ver/ 1#$1 *re)#t r#sk
9 &o%<tf%. >#$1./ !pe*%.at#ve an) are .#ke./ to <e*o-e )efa%.t #n t1e
near f%t%re.
10 Loss Lowest an) are t/p#*a../ #n )efa%.t or *.ose to )efa%.t

(s per t1e f#na. Cre)#t Rat#n$ 8o)e. )o*%-ent? t1e #nvest-ent $ra)e 2%a.#t/ of )e<t *eases to
eD#st w1en t1e r#sk s*ore of a Borrower *rosses over to e#$1t an) a<ove. 61erefore? t1e <ank
wo%.) 1en*efort1 *ons#)er #nvest-ent $ra)e fro- F1 to 7H. 61e $ra)es 8?9 an) 10 w#.. <e non:
#nvest-ent $ra)es.


EQTERNAL RATIN6 OF BORROWAL ACCOUNTS WITH EQPOSURE ;FBGNFB< EQCEEDIN6 RS5+-
CR FROM OUR BAN95

(s per t1e eD#st#n$ $%#)e.#nes of Reserve Bank of 0n)#a on #-p.e-entat#on of t1e 5ew Cap#ta.
()e2%a*/ "ra-ework )ate) J%./ 1? 2008? a.. t1e *orporate<orrowa. a**o%nts w#t1 a$$re$ate
eDpos%re (f%n) <ase) N non f%n) <ase)) eD*ee)#n$ Rs.50 *rore are to <e ass#$ne) r#sk we#$1ts as
per t1e#r eDterna. rat#n$ </ approve) *re)#t r#sk rat#n$ a$en*#es (0CR(? C(R,? CR0!0L = "06C>) for
t1e f#nan*#a. /ear 2008:09. 0n *ase t1ese Corporate <orrowa. re-a#ns %nrate)? #t w#.. attra*t r#sk
we#$1t of 150%.

K#t1 effe*t fro- 01.04.2009? a.. fres1 san*t#ons or renewa.s w#t1 eDpos%re ("BN5"B) eD*ee)#n$
Rs.10 Cr 1ave to <e eDterna../ rate). (s a te-porar/ -eas%re? t1e r#sk we#$1t on %nrate) *.a#-s
1as <een re)%*e) fro- 150% to 100% </ RB0 v#)e t1e#r *#r*%.ar )ate) 15.11.08 )%e to re*ess#on
an) s.ow)own #n t1e e*ono-/ <%t #t -a/ <e #n*rease) to 150% .ater on. (**or)#n$./ t1e eDpos%re
w#.. 1ave to <e pr#*e) for fa*tor#n$ #n t1e 1#$1er r#sk we#$1t as we.. as 1#$1er *ap#ta.
re2%#re-ent.
A%% t)& &%!A%& Aorro?&r$ ?t) tota% &@po$'r& ;('n" Aa$&" G non ('n" Aa$&"< &@#&&"n! R$5+-
#ror& (rom o'r Aank ar& to A& rat&" $o t)at t)& Aank #an !&t t)& A&n&(t o( %o?&r r$k
?&!)t (or #apta% #a%#'%aton5

P&na% Rat& o( Int&r&$t , Pr&pa>m&nt P&na%t&$
Pena. #nterest over an) a<ove t1e nor-a. #nterest #s app.#*a<.e #n fo..ow#n$ *asesA
&efa%.t #n repa/-ent of .oan #nsta..-ents an) / or
serv#*#n$ of -ont1./ #nterest or as st#p%.ate) #n t1e
san*t#on.
2%on #rre$%.ar port#on
+ver)raw#n$ / eD*ess )raw#n$s #n CC I ODa**o%nt
<e/on) t1e ava#.a<.e )raw#n$ power or san*t#one) .#-#t
#n*.%)#n$ a) 1o*/ te-porar/ san*t#ons.
2% on #rre$%.ar port#on
+ver)%e B#..s (&e-an) / Lsan*e). 2% for t1e over)%e per#o).
5on:*o-p.#an*e of ter-s of san*t#on 2% t#.. *o-p.#an*e of ter-s of san*t#on. 8#n#-%-
for one -ont1.
5on:s%<-#ss#on of !to*k / Book &e<t !tate-ents? X0!
!tate-ents w#t1#n t1e st#p%.ate) t#-e per#o).
1% fro- )%e )ate t#.. s%<-#ss#on of t1e s%*1
state-ent? s%<Ee*t to -#n#-%- one -ont1
()1o* L#-#ts (,D*ept ,Dporters f#nan*e = .#-#ts %p to
an) #n*.%s#ve of Rs.2.00 La*.)
1% on t1e a)1o* port#on for t1e st#p%.ate) per#o)
of fa*#.#t/.
5on:s%<-#ss#on of re2%#s#te )ata for renew/rev#ew
after t1e va.#)#t/ per#o) of .ast san*t#on / rev#ew.
1% t#.. s%<-#ss#on of *o-p.ete renewa. proposa.
on ent#re o%tstan)#n$.
&evo.ve-ent of LC / B4 2% on t1e #rre$%.ar port#on / or a-o%nt not
re#-<%rse) to t1e <ank.
0rre$%.ar#t/ #n *ase of ()van*es a$a#nst Bank &epos#ts /
ot1er Paper se*%r#t#es .#ke 5!C/ L0Ps
2% on t1e #rre$%.ar port#on #s to <e *1ar$e) #f t1e
o%tstan)#n$ a-o%nt #s w#t1#n t1e va.%e of
se*%r#t/ (#n*.%)#n$ a**r%e) #nterest).
0n *ase t1e o%tstan)#n$ eD*ee)s t1e va.%e of
se*%r#t/? #nterest as app.#*a<.e to *.ean a)van*es
s1a.. <e *1ar$e).
Prepa/-ent of 6er- Loans( 6aken over </ ot1er <anks) 1% on t1e o%tstan)#n$ <a.an*e:+ne t#-e. 0n *ase
of >o%s#n$ Loans no p&na%t>5

a) K1erever? t1e .#-#ts of C.ean +ver)raft 1as <een set %p? t1e rate of #nterest s1a.. <e
*1ar$e) WBase Rate N -aD#-%- !prea) on -ont1./ rest. >owever #n *ase t1e a**o%nt #s
over)rawn <e*a%se of an/ #rre$%.ar#t/ for w1#*1 pena. #nterest #s to <e *1ar$e)? an) t1e
nat%re of over)raw#n$ #s *.ean #n nat%re? t1e -aD#-%- rate of #nterest s1a.. <e Base Rate
N 8aD#-%- !prea) N Pena. 0nterest.
<) 0n *ases w1ere t1e pena. rates are app.#*a<.e for -ore t1an one t/pe of )efa%.t? t1e
a$$re$ate of s%*1 pena. rates s1a.. not eD*ee) 2%p.a s%<Ee*t to t1e *on)#t#on t1at t1e


overa.. rate of #nterest #n*.%)#n$ pena. *1ar$e s1a.. not eD*ee)
Base Rate p.%s 8aD#-%- sprea) p.%s 2% ..
*) 5o pena. *1ar$e s1o%.) <e *1ar$e) for .oans %n)er pr#or#t/ se*tors %p to Rs.25? 000/:.
K1#.e *o--%n#*at#n$ t1e san*t#on of .#-#t to t1e <orrower #t -%st <e ens%re) t1at I pena.
#nterest *.a%seI #s st#p%.ate) %n)er t1e ter-s of san*t#on.
)) 5o pena. #nterest #s to <e *1ar$e) after t1e )ate of *.ass#f#*at#on of an a**o%nt as
5P(.

Bran#) C&rt(#at& o( Comp%an#& o( T&rm$ = Con"ton$ o( San#ton ;BCC<
(s re$ar)s t1e *ases %pto Rs.1.00 *rore? t1e Bran*1es s1a.. *o-p#.e BCC w#t1o%t <e#n$ vette) </
t1e Lo*a. Le$a. Co%nse./ Le$a. Reta#ner for ver#f#*at#on of t1e 0nspe*t#n$ off#*#a.s. 61e <ran*1es
s1a.. prepare BCC #n a.. *ases? even w1ere .#-#ts 1ave <een san*t#one) %n)er <ran*1 powers for
ver#f#*at#on of t1e sa-e </ #nspe*t#n$ off#*#a.s.

(.. t1e <ran*1es s1a.. s%<-#t t1e BCC of t1e )o*%-ents eDe*%te) </ t1e <orrower to t1e
respe*t#ve a%t1or#t/ as -ent#one) <e.ow w#t1#n 15 )a/s of t1e re.ease of t1e fa*#.#t#es. 61e
<ran*1 s1o%.) f%rt1er ens%re t1at )#s*repan*#es po#nte) o%t </ Re$#ona. +ff#*e are re*t#f#e)
w#t1#n a per#o) of 0 )a/s.
?taff loans shall be exempted from legal vetting of doc!ments.
Ao#ever$ fresh<enhancement of all advances !nder commercial real estate incl!ding hotels$ K$
lease rentals$ tr!sts < societies shall be vetted b* Begal 8etainer at 8) before release of facilit*$
irrespective of the amo!nt sanctioned.
System 7f /isit 8 Inspection 7f 9nit 7f Borrower By Branch8"e*ional 7ffice 8
2ead 7ffice )or Inspection 7f Secrities $har*ed To The Ban#
?*stem of !nit visit < Inspection as regards post=sanction visits$ as revie#ed and devised in
cons!ltation #ith Inspection K Control Department shall be as !nderL

Prpose of the visit .onitorin* and control to ensre safety of Ban#:s advance-
chec# depletion or deterioration of secrities char*ed to
the Ban#;

(*pe of acco!nts ?tandard '<Cs K ?pecial -entioned '<Cs K 1P' 'cco!nts.
(*pes of borro#ers 'll categories of borro#ers incl!ding (rading$ Ind!strial$
?ervice ?ector etc. (except retail schemes #here the proced!re
prescribed for the partic!lar scheme sho!ld be follo#ed).
(*pes of facilities (erm Boan and #or0ing capital facilities #here fixed assets <
c!rrent assets are charged as prime sec!rit*.
Lmt$ 'n"&r t)&
"$#r&tonar> po?&r$
o(
Do#'m&nt$ to A& B&tt&" A>
;A&(or& "$A'r$&m&nt<
BCC to A&
#%&ar&" A>
Lo*a. Le$a. *o%nse. for .#-#ts a<ove
Rs.1.00 *rores an) %pto Rs.5.00
*rores
Bran*1 0n*%-<ent Bran*1 0n*%-<ent
Le$a. Reta#ner for .#-#ts a<ove
Rs.5.00 *rores #n *ons%.tat#on w#t1
R.+.
Bran*1 0n*%-<ent
Lo*a. Le$a. *o%nse. for .#-#ts a<ove
Rs.1.00 *rores an) %pto Rs.5.00
*rores
Re$#ona. >ea) Re$#ona.
>ea)
Le$a. Reta#ner for .#-#ts a<ove
Rs.5.00 *rores #n *ons%.tat#on w#t1
R.+.
Re$#ona. >ea)
>ea) +ff#*e Le$a. Reta#ner at R.+. Re$#ona. >ea)


Prpose of the visit .onitorin* and control to ensre safety of Ban#:s advance-
chec# depletion or deterioration of secrities char*ed to
the Ban#;

Ban0ing arrangements ?ole
-!ltiple (in case the m!ltiple financing$ ban0s have an agreed
arrangement for visits$ the same shall be follo#ed)
Consorti!m (as decided b* the consorti!m members).
/ho shall cond!ct the
visit
Sl;0o; 1imit()B<0)B) 7fficial who shold verify
details of property 8condct
nit visit;
1. Upto 8s. 4 lac 'n* officer of the branch.

". )ver 8s. 4 lac
and !pto 8s.
"4 lac
'n officer of ?cale III or above.
In case ?cale III officer is not
posted in the branch J b* loan
officer or branch inc!mbent.
+. )ver 8s. "4 lac Branch Inc!mbent himself and<or
Boans )fficer .
In order to avoid m!ltiplicit* of visits$ the above=mentioned
)fficials shall cond!ct s!ch visits along #ith the Inspecting
)fficials< ?toc0 '!ditors< Conc!rrent '!ditors
8)<A) )fficials ma* also cond!ct !nit visit #herever
considered necessar*.
Periodicit* of the visit 3or all borro#al acco!nts having 3!nd Based limits and 1on=
3!nd Based limits (#here fixed assets< c!rrent assets are
charged as prime sec!rit* J at least once in three months for
?tandard '<c and at least once in a month for ?pecial -ention
'cco!nts. In respect of 1P' '<Cs the periodicit* #ill be decided
b* the sanctioning a!thorit* 0eeping in vie# availabilit* of
sec!rit* and other related aspects.
-aintenance of !nit visit
register
Misits shall be recorded in !nit visit register to be maintained at
the Branch for all visits cond!cted b* Branch < Inspecting
officials.
?cr!tin* of report and
follo#=!p action
-ain observations d!ring the visit shall be recorded in the
register and a special report of the irreg!larities of serio!s
nat!re be prepared and p!t !p to the Branch Inc!mbent and
respective 8egional )ffice for f!rther follo#=!p and monitoring.
Immediate steps for rectification< removal of discrepancies shall
also be given.
6'"&%n&$ For S'Am$$on O( Sto#k Stat&m&nt$
61e pres*r#<e) !to*k !tate-ent #n*orporates t1e )eta#.s of <ook )e<ts? sa.es an)
p%r*1ases? *re)#tors )%r#n$ t1e -ont1 as s%*1 t1e p%rpose of 8!+& #s serve) t1ro%$1
ver#f#*at#on of sto*k state-ent </ t1e v#s#t#n$ off#*#a./<ran*1 #n*%-<ent. >en*e? t1e
sto*k state-ent #s an effe*t#ve too. for -on#tor#n$ t1e work#n$ *ap#ta. fa*#.#t#es. 0t s1a..
<e ens%re) t1at t1e sto*k #s ver#f#e) an) t1e sto*k state-ent #s *1e*ke) </ v#s#t#n$
off#*#a.(s)/ <ran*1 #n*%-<ent at t1e pres*r#<e) per#o)#*#t/.
61e per#o)#*#t/ as approve) </ t1e Boar) of &#re*tors for s%<-#ss#on of !to*k / Book
&e<ts !tate-ents #s 8ont1./ #rrespe*t#ve of t1e s#;e of t1e .#-#t %n.ess ot1erw#se
per-#tte) </ an/ spe*#f#* approve) .oan s*1e-es of t1e <ank.

61e state-ent of sto*ks an) <ook )e<ts #s to <e s%<-#tte) #n t1e pres*r#<e) perfor-a
ever/ -ont1 </ t1e en) of t1#r) week. e.$. state-ent perta#n#n$ to !epte-<er s1a.. 1ave
to <e s%<-#tte) </ t1e <orrower </ 21st of t1e s%**ee)#n$ -ont1.



0n *ases w1ere &P 1as <een a)v#se) </ t1e Lea) Bank t1e sto*k state-ent #n t1e perfor-a of t1e
Lea) Bank -a/ <e a**epte) w#t1o%t #ns#st#n$ on t1e perfor-a of o%r Bank.

+n*e a /ear an) as on )ate of Ba.an*e s1eet of t1e *o-pan/ fo..ow#n$ s1o%.) <e on re*or)A
[ !to*k !tate-ent
[ ($ew#se &e<tors .#st (]8?:'8 an) \' -ont1s)
(ppra#s#n$ off#*er s1o%.) s*r%t#n#;e t1e )eta#.e) sto*k state-ent as on )ate of Ba.an*e s1eet of
Co-pan/ a.on$w#t1 Ba.an*e s1eet .

.0525+ 6'"&%n&$ (or #a%#'%aton o( Dra?n! Po?&rD

a)61e -et1o) for *a.*%.at#on of &P a$a#nst sto*ks an) re*e#va<.es et*. 1as <een $#ven
#n sto*ks state-ent / state-ent of <ook )e<ts )ev#se) </ t1e >ea) +ff#*e for f%n)
<ase) work#n$ *ap#ta. .#-#ts %p to Rs.10.00 La* (!68:42() an) a<ove Rs.10.00 La*
(!68:42B a.on$ w#t1 anneD%re) *#r*%.ate) v#)e >+ *#r*%.ar 5o >+/(&@/25/2005:
0'/0 )ate) 11.10.2005.
<) ()van*es -a)e/ $#ven to s%pp.#ers are to <e a))e) to t1e va.%e of sto*ks.
!#-#.ar./? t1e a)van*es re*e#ve) fro- <%/ers? #f an/? are to <e re)%*e) for t1e
p%rpose of *a.*%.at#on of )raw#n$ power.
*) !to*ks sent </ t1e <orrower for pro*ess#n$ / Eo< work et*. to ot1er %n#ts s1a.. <e
a))e) #n t1e va.%e of sto*ks an) sto*ks re*e#ve) for pro*ess#n$/ Eo< work fro- ot1er
%n#ts s1a.. not to <e #n*.%)e)? prov#)e) t1at t1e <orrower -a#nta#ns proper re*or) of
t1e sa-e an) pro)%*es ev#)en*e to t1#s effe*t to t1e f%.. sat#sfa*t#on of t1e <ank
off#*#a.s.
)) "%rt1er? t1e fa*#.#t/ a$a#nst sto*ks an) re*e#va<.es s1o%.) <e san*t#one) #n a
*o-<#ne) -anner for a.. pra*t#*a. p%rposes v#;. se*%re) </ wa/ of 1/pot1e*at#on of
sto*ks an) re*e#va<.es. 61e sa#) s/ste- #s to <e fo..owe) w1enever t1e fa*#.#t#es are
renewe).
e) 61e -on#tor#n$ of sto*k s1o%.) <e )one *aref%../ t1ro%$1 8+R? persona. v#s#ts?
X0!? sto*k a%)#t </ t1e #n)epen)ent C1artere) a**o%ntant et*.
f) Bran*1es s1a.. app./ a %n#for- -ar$#n of 25% on sto*ks an) <ook )e<ts w#t1#n
t1e#r powers. >owever? )#s*ret#on for f%rt1er re)%*t#on #n t1e pres*r#<e) -ar$#ns
s1a.. *ont#n%e to <e veste) w#t1 t1e Re$#ona. >ea)s as spe*#f#e) #n t1e
)#s*ret#onar/ power <ook.et.
$) 61e san*t#on#n$ a%t1or#t/ -%st *.ear./ spe.. o%t t1e a$e of <ook )e<ts to <e taken #nto
*ons#)erat#on for *a.*%.at#on of &P? w1#*1 s1o%.) nor-a../ <e restr#*te) to 90 )a/s an)
s1o%.) #n no *ase eD*ee) 180 )a/s. 61e a$e s1o%.) <e appra#se) keep#n$ #n v#ew of t1e
nat%re of <%s#ness/a*t#v#t/ of t1e <orrower v#s:^:v#s rea.#;at#on of <ook )e<ts. !tate-ent
of <ook )e<ts s1a.. <e ver#f#e) </ a C1artere) (**o%ntant at 1a.f:/ear./ #nterva.s for
work#n$ *ap#ta. .#-#ts eD*ee)#n$ Rs. 1.00 *rore an) at 2%arter./ #nterva.s for .#-#ts a<ove
Rs. 5.00 *rore.
.
.053 Montorn! O((#&r$ R&port ;MOR<
!%<-#ss#on of 8on#tor#n$ +ff#*er9s Report </ t1e <ank9s no-#nate) Independent Monitoring
Officer #s anot1er too. for per#o)#* -on#tor#n$ of t1e <orrower9s operat#ons. 61e 8on#tor#n$
off#*er w#.. -on#tor a.. t/pe of fa*#.#t#es for work#n$ *ap#ta.? ter- Loan an) non:f%n) <ase) .#-#ts
so as to #nter:a.#a -on#torA
a) L#-#ts are <e#n$ rev#ewe) / renewe) #n t#-e.
<) ,n) %se of f%n)s </ t1e <orrower.
*) B4s are reverse) we.. #n t#-e as per pro*e)%re
)) +perat#on of LCs #s as per ter-s of san*t#on.
e) Co--#ss#on on LCs/B4s et* #s <e#n$ *1ar$e) as per ter-s of san*t#on.
(< +t1er o<servat#ons as re$ar) to operat#on of a**o%nt? pen)#n$ #nspe*t#on #rre$%.ar#t/?
ver#f#*at#on of sto*k an) s%<-#ss#on of report s1a.. *ont#n%e to <e reporte) as per s/ste-
#n vo$%e.


$) Re$#ona. +ff#*es s1a.. appo#nt -on#tor#n$ off#*ers for <orrowers enEo/#n$ .#-#ts %n)er
>ea) +ff#*e an) Re$#ona. +ff#*e powers an) t1e Bran*1 0n*%-<ent s1a.. appo#nt t1e
-on#tor#n$ off#*ers fa..#n$ %n)er <ran*1 powers.
1) 61e -on#tor#n$ off#*er s1a.. a.so work as Re.at#ons1#p 8ana$er w#t1 t1e <orrower an)
.ook after t1e affa#rs of t1e <orrower w#t1 re$ar) to f#nan*#a. nee)s an) serv#*e re.ate)
-atters.. K1#.e #ss%#n$ .etters appo#nt#n$ 8on#tor#n$ off#*ers? Re$#ona. off#*es/Bran*1es
s1a.. a.so spe*#f/ t1e sa-e.
#) 61e e.#$#<.e a**o%nts an) t1e per#o)#*#t/ for s%<-#ss#on of 8on#tor#n$ +ff#*er Reports
s1a.. <e as %n)erA

Nat'r& o( a##o'nt San#ton&" %mt$
;F'n" = Non F'n"<
P&ro"#t> (or
S'Amttn! MOR
!tan)ar) (<ove Rs.5.00 *rores X%arter./
!8(/Restr%*t%re)/(**o%nts
K#t1 Cre)#t Rat#n$ ' an) <e.ow/(n) an/
ot1er a**o%nt s1ow#n$ s#$ns of weakness
(<ove Rs.50.00 .a*s 8ont1./

E) 61e report #n t1e pres*r#<e) for-at *overs rev#ew of t1e operat#ons #n t1e
a**o%nt )%r#n$ t1e 2%arter/-ont1 %n)er referen*e? )o*%-entat#on #nf#r-#t#es?
pen)#n$ #nspe*t#on/a%)#t #rre$%.ar#t#es? s%<-#ss#on of f#nan*#a. )ata </ <orrowers
et*.
k) 0n *ase of proEe*t f#nan*e? 8+R s1o%.) #n*.%)e stat%s of #-p.e-entat#on of
proEe*t? t1e a-o%nt re.ease)? w1et1er t1ere #s an/ t#-e an)/or *ost overr%n?
pro-oter9s *ontr#<%t#on <o%$1t? ot1er ter-s an) *on)#t#ons #n*#)ent to proEe*t *o-p.#e)
e.$. env#ron-enta.? po..%t#on? 8#n#str/(4ovt. ) *.earan*es *.eare) an) are %pto)ate?
w1et1er C+& *o-p.ete) et*.
.) 61e -on#tor#n$ off#*er appo#nte) s1a.. a.so 1ave to *onf#r- t1at t1e %n#t v#s#t
1as <een -a)e to ver#f/ sto*ks/ot1er assets an) s%<-#t 1#s o<servat#ons #n t1e
report. 61e %n#t v#s#t s1a.. a.so <e *on)%*te) #nvar#a<./ #n *ase assets 1ave <een
*1ar$e) to t1e Bank.
-) 61e -on#tor#n$ off#*er s1a.. s%<-#t 1#s report w#t1 1#s o<servat#ons to t1e Bran*1
0n*%-<ent .
n) 61e report *onta#n#n$ t1e -on#tor#n$ off#*er9s o<servat#on as we.. as t1e v#ews of t1e
Bran*1 0n*%-<ent s1a.. <e s%<-#tte) as per t1e fo..ow#n$ s*1e)%.e w1o w#.. fo..ow %p
w#t1 t1e <ran*1 for re*t#f#*at#on of a.. s1ort*o-#n$s o<serve).

San#tonn! A't)ort> A't)ort> to ?)om t)& MOR $ to A&
$'Amtt&"
Bran*1 0n*%-<ent Bran*1 0n*%-<ent
Re$#ona. +ff#*e Re$#ona. +ff#*e
>ea) +ff#*e Re$#ona. +ff#*e an) >ea) +ff#*e
s#-%.taneo%s./

o) 61e *op#es of reports for a.. e.#$#<.e a**o%nts s%<-#tte) </ t1e -on#tor#n$ off#*er
s1a.. <e kept on re*or) an) to <e p.a*e) <efore t1e #nspe*t#n$ off#*#a.s as an) w1en
re2%#re).
p) !#n*e t1e referen*e of %n#t v#s#t #s a.so to <e -ent#one) #n t1e 8+R? %n#t v#s#t )one </
8+/an/ ot1er off#*#a. of t1e <ank so.e./ or a.on$w#t1 *on*%rrent a%)#tor/sto*k
a%)#tor/an/ ot1er #nspe*t#n$ off#*#a.s -a/ <e -ent#one) #n t1e 8+R to avo#)
-%.t#p.#*#t/ of v#s#ts. 0t -a/ 1owever <e note) t1at s%*1 v#s#t report s1o%.) not <e
-ore t1an -ont1s o.).

P'art&r%> In(ormaton S>$t&m ;PIS<
61e X0! prov#)es for t1e 2%arter./ rev#ew of <orrower9s operat#ons v#s:^:v#s t1e
proEe*t#ons a.on$ w#t1 1a.f:/ear./ rev#ew of Ba.an*e !1eet/"%n)s ".ow. 61e pres*r#<e)
for-s to <e s%<-#tte) </ t1e <orrower are as fo..owsA :


"or-
5o.
P&ro"#t> =
part#'%ar$ o( t)&
(orm
P'rpo$& To A&
$'Amtt&" A>
App%#aA%& to
0. X%arter./ est#-ates of
t1e t%rnover? *%rrent
assets an) *%rrent
.#a<#.#t#es for t1e
ens%#n$ 2%arter

"#D#n$ of
2%arter./
operat#n$
.#-#ts for t1e
ens%#n$ 2%arter
+ne week
<efore t1e
start of t1e
2%arter
Borrowers
enEo/#n$ "%n)
Base) work#n$
*ap#ta. .#-#ts of
Rs. 5.00 Crore an)
a<ove
fro- <ank#n$
s/ste-.
00. (*t%a. 2%arter./
perfor-an*e for t1e
prev#o%s 2%arter v#s:^:
v#s t1e est#-ates $#ven
#n "or- C 0
Rev#ew of
2%arter./
perfor-an*e
!#D weeks fro-
t1e )ate of
*.os%re of t1e
2%arter
Borrowers
enEo/#n$ "%n)
Base) work#n$
*ap#ta. .#-#ts of
Rs.5.00Crore an)
a<ove fro-
<ank#n$ s/ste-
000. >a.f /ear./ Ba.an*e
!1eet an) "%n) ".ow
!tate-ent
Rev#ew of "%n)
".ow an) >a.f
3ear./ Ba.an*e
!1eet
6wo -ont1s
fro- t1e )ate
of 1a.f /ear
Borrowers enEo/#n$
"%n) Base)
work#n$ *ap#ta.
.#-#ts of
Rs.5.00Crore an)
a<ove fro-<ank#n$
s/ste-

S>$t&m O( Sto#k 7&r(#aton ;Sto#k A'"t< B> In"&p&n"&nt C)art&r&" A##o'ntant$
;CA<

61e sto*k a%)#t s1o%.) <e )one for a.. t1ose a**o%nts as per t1e fo..ow#n$ e.#$#<#.#t/ an)
per#o)#*#t/A
Cat&!or> P&ro"#t>
"%n) <ase) work#n$ *ap#ta. .#-#ts Rs. 2 *rores an) a<ove V +n*e #n a /ear
Restr%*t%re)/5P( a**o%nts 1av#n$ "%n) <ase) work#n$ *ap#ta. .#-#ts Rs.
1 *rores an) a<oveV
+n*e #n a /ear
V "%n) <ase) work#n$ *ap#ta. (#n*.%)#n$ &(/LC L#-#t fa*#.#t#es are to <e *ons#)ere))

D&%&!at&" po?&r$ (or R&$tr'#t'rn!;&@#&pt CDR<A
SL5NO PARTICULARS DELE6ATED AUTHORIT8
1 R&$tr'#t'rn! o( #a$&$ $an#ton&" A>
( Bran*1 0n*%-<ent 5eDt >#$1er (%t1or#t/ at Re$#ona. +ff#*e
B !e*on) 8an at Re$#ona. +ff#*e Re$#ona. >ea)
C Re$#ona. >ea) Co-petent neDt >#$1er (%t1or#t/ at >ea)
+ff#*e
& >ea) +ff#*e Respe*t#ve )e.e$ate) a%t1or#t/ at >ea) +ff#*e
2 R&n&?a% ,R&B&? o( r&$tr'#t'r&"
a##o'nt$
B/ t1e respe*t#ve san*t#on#n$ a%t1or#t#es
w#t1#n t1e#r nor-a. )e.e$ate)
powers #rrespe*t#ve of restr%*t%r#n$
a%t1or#t/

6rantn! o(
(r&$),&n)an#&m&nt,a""tona%
,a")o# (a#%t&$ n r&$tr'#t'r&"
a##o'nt$ WITHIN ONE 8EAR o(
r&$tr'#t'rn!
DELE6ATED AUTHORIT8V


.1 (**o%nts fa..#n$ %n)er t1e nor-a.
)e.e$ate) powers of

( Bran*1 0n*%-<ent 5eDt >#$1er (%t1or#t/ at Re$#ona. +ff#*e
B !e*on) 8an at Re$#ona. +ff#*e Re$#ona. >ea)
C Re$#ona. >ea) Co-petent neDt >#$1er (%t1or#t/ at >ea)
+ff#*e
& >ea) +ff#*e Respe*t#ve )e.e$ate) a%t1or#t/ at >ea) +ff#*e
, V>owever? w1#.e eDer*#s#n$ powers at .1 a<ove? t1e fo..ow#n$ <e ens%re) A
[ Restr%*t%re) a**o%nt #s perfor-#n$
[ 61e restr%*t%re) ter-s an) *on)#t#ons 1ave <een *o-p.#e) .
[ !a.es are s1ow#n$ sat#sfa*tor/ $rowt1 v#s a v#s est#-ates.
[ 61e <orrower #s -ak#n$ operat#n$ prof#ts
[ "#nan*#a.s an) Con)%*t of a**o%nt are sat#sfa*tor/

.2 6rantn!
o( (r&$),&n)an#&m&nt,a""tona%
,a")o# (a#%t&$ n r&$tr'#t'r&"
a##o'nt$ AFTER ONE 8EAR o(
r&$tr'#t'rn!
(s per t1e nor-a. )e.e$ate) a%t1or#t#es of
Bran*1 0n*%-<ents/Re$#ona. +ff#*es/>ea)
+ff#*e prov#)e) t1e <orrower 1as f%.f#..e)
t1e restr%*t%re) ter-s an) *on)#t#ons for a
-#n#-%- per#o) of one /ear fro- t1e )ate of
restr%*t%r#n$ an) t1e ter-s an) *on)#t#ons as
-ent#one) #n *.a%se .1, are *o-p.#e) w#t1.
0n *ase *on)#t#ons are not f%.f#..e) CneDt
1#$1er a%t1or#t/.

>owever? a *op/ of t1e appra#sa. note
$rant#n$ t1e fa*#.#t#es s1a.. <e forwar)e) to
Re$#ona. +ff#*e/>ea) +ff#*e a.on$w#t1 t1e
*ontro. ret%rns (!6841/!6R+:1') for rev#ew .
4 6ROUP ACCOUNTSD
!an*t#on re.ate) to a**o%nts w1#*1
1ave not <een restr%*t%re) <%t w1ose
4ro%p (**o%nts 1ave <een
restr%*t%re) an)/or fres1/a))#t#ona.
fa*#.#t#es 1ave <een san*t#one) </ t1e
Restr%*t%r#n$ (%t1or#t/ at R+/>+
K#t1#n 61e 5or-a. &e.e$ate) Powers
0rrespe*t#ve +f Restr%*t%r#n$ (%t1or#t/
As /an3 -as a sc-eme namel" Oriental Tra$e Loan Sc-emeC t-e e?istin4 !ara4ra!- on Oriental /usiness Loan Sc-eme 9O/LS: is
$elete$ %rom t-e Loan Polic".
Re!ise" #ui"e$ine
T-e =?!osure Ceilin4s %or Sin4le /orro7er an$ *rou! /orro7ers 2ase$ on t-e ca!ital %un$s o% t-e /an3 as on 31.;3.2;11 is re#ise$
as un$erE- 9Fi4ure in +s. Crore:
Re!ise" #ui"e$ine
T-e re#ise$ =?!osure Ceilin4s %or Unsecure$ =?!osures 2ase$ on t-e 4ross a$#ances o% t-e /an3 as on 31.;3.2;11 is as 2elo7E-

9Fi4ure in +s.
Crore:

Unsecure" E%&osure E%&osure Cei$in' Limit as ( o)
#ross A"!ances
*+,+-,,
(E%istin')
*+,,-,*
(Re!ise")
Unsecure$ *uarantees
Unsecure$ A$#ances
Total Unsecure$ =?!osure
Unsecure$ *uarantees D Unsecure$
A$#ances s-all not e?cee$ -.( total
o/s a$#.
*/01. --2/0


CENTRAL ELECTR3NIC RE#ISTR4 UNDER T5E SECURITISATI3N AND REC3NSTRUCTI3N 3F
FINANCIAL ASSETS AND ENF3RCEMENT 3F SECURIT4 INTEREST ACT *++*
Bac6'roun"
Pursuant to t-e announcement ma$e 2" t-e Finance inister in t-e 2u$4et s!eec- %or 2;11-12C *o#ernment o% 'n$iaC inistr"
o% Finance noti%ie$ t-e esta2lis-ment o% t-e Central +e4istr". T-e o2Fecti#e o% settin4 u! o% Central +e4istr" is to !re#ent %rau$s
in loan cases in#ol#in4 multi!le len$in4 %rom $i%%erent 2an3s on t-e same immo#a2le !ro!ert". T-is +e4istr" -as 2ecome
o!erational on arc- 31C 2;11. T-e Central +e4istr" o% Securitisation Asset +econstruction an$ Securit" 'nterest o% 'n$ia
9C=+SA':C a *o#ernment Com!an" license$ un$er section 25 o% t-e Com!anies Act 185& -as 2een incor!orate$ %or t-e
!ur!ose o% o!eratin4 an$ maintainin4 t-e Central +e4istr" un$er t-e !ro#isions o% t-e Securitisation an$ +econstruction o%
Financial Assets an$ =n%orcement o% Securit" 'nterest ActC 2;;2 9SA+FA=S' Act:.

T-e recor$s maintaine$ 2" t-e Central +e4istr" 7ill 2e a#aila2le %or searc- 2" an" len$er or an" ot-er !erson $esirous o%
$ealin4 7it- t-e !ro!ert". A#aila2ilit" o% suc- recor$s 7oul$ !re#ent %rau$s in#ol#in4 multi!le len$in4 a4ainst t-e securit" o%
same !ro!ert" as 7ell as %rau$ulent sale o% !ro!ert" 7it-out $isclosin4 t-e securit" interest o#er suc- !ro!ert". 't ma" 2e note$
t-at un$er t-e !ro#isions o% Section 23 o% t-e SA+FA=S' ActC !articulars o% an" c-ar4e creatin4 securit" interest o#er !ro!ert"
is re<uire$ to 2e %ile$ 7it- t-e +e4istr" 7it-in 3; $a"s %rom t-e $ate o% creation.
Re!ise" #ui"e$ine
/ranc-es are a$#ise$ t-at transactions relatin4 to securitiBation an$ reconstruction o% %inancial assets an$ t-ose relatin4 to
mort4a4e 2" $e!osit o% title $ee$s to secure an" loan or a$#ances 4rante$ 2" 2an3s an$ %inancial institutionsC as $e%ine$ un$er
t-e SA+FA=S' ActC are to 2e re4istere$ in t-e Central +e4istr" 7it-in 3; $a"s %rom t-e $ate o% creation. S!eci%ic Com!liance
o% t-e same s-all 2e sent alon4 7it- t-e /CC.
For $etaile$ 4ui$elines on Central =lectronic +e4istr" un$er t-e Securitisation an$ +econstruction o% Financial Assets An$
=n%orcement o% Securit" 'nterest Act 2;;2C re%er to /an3 circular no. )O/+D/ 25 /2;11-12/ $ate$ 1..;&.2;11.
RIS7 8EI#5T IN CASE 3F 53USIN# L3ANS
Re!ise" #ui"e$ine

E%istin' #ui"e$ine Re!ise" #ui"e$ine
'n terms o% circular D/OD.(o./P./C.53/ 21.;&.;;1/ 2;;.-;5
$ate$ a" 14C 2;;5
t-e ris3 7ei4-ts on resi$ential -ousin4 loans 7it- LT, ratio
u! to .5 !er cent are
5; !er cent %or loans u! to +s. 3; la3- an$
.5 !er cent %or loans a2o#e t-at amount.
'n case t-e LT, ratio is more t-an .5 !er centC t-e ris3 7ei4-t
o% all -ousin4 loansC irres!ecti#e o% t-e amount o% loanC is 1;;
!er cent.

As !er +/' Circular (o. 2;1;-11/324 D/OD.(o./P. /C.
&8 /;5.12.;;1/2;1;-11 $ate$ Decem2er 23C 2;1;
T-e ris3 7ei4-ts on resi$ential -ousin4 loans 7it- LT, ratio
u! to .5 !er cent are
5; !er cent %or loans u! to +s. 3; la3- an$
.5 !er cent %or loans a2o#e t-at amount.
T-e ris3 7ei4-t o% all -ousin4 loansC in case t-e LT, ratio is
more t-an .5 !er centC irres!ecti#e o% t-e amount o% loan is
1;; !er cent.
T-e ris3 7ei4-t %or resi$ential -ousin4 loans o% +s. .5 la3-
an$ a2o#eC irres!ecti#e o% t-e LT, ratioC 7ill 2e 125 !er cent
to !re#ent e?cessi#e s!eculation in t-e -i4- #alue -ousin4
se4ment.
Cut o)) $imit )or LRM
T-e re#ise$ cut-o%% limits %or i$enti%ication o% t-e Lar4e /orro7al Accounts 7-ic- -a#e to 2e su2Fecte$ to Loan +e#ie7 ec-anism
7it- e%%ect %rom ;1.;4.2;11 7ill no7 2e as %ollo7s.
All G%res-H sanctions o% +s.3.;; Cr. an$ a2o#e.
Accounts 7it- Ge?istin4H e?!osures o% +s.3.;; Cr > a2o#e in case 7-ere 'nternal Cre$it +is3 +atin4 isE
LC-& > 2elo7
S=-& > 2elo7
(/FC-& > 2elo7
S/S-& > 2elo7.
'n all ot-er cases accounts 7it- Ge?istin4H e?!osures o% +s.5.;; Cr. > a2o#e.

2. 6OLD CARD SCHEME FOR EQPORTERS
61e 4overn-ent (8#n#str/ of Co--er*e an) 0n)%str/)? #n *ons%.tat#on w#t1 RB0 1a)
#n)#*ate) #n t1e ,D#- Po.#*/ 200:04 t1at a 4o.) Car) !*1e-e wo%.) <e worke) o%t </
RB0. 61e sa.#ent feat%res of t1e !*1e-e as a.rea)/ *#r*%.ate) to t1e <ran*1es are as
%n)erA
(.. *re)#twort1/ eDporters? #n*.%)#n$ t1ose #n s-a.. an) -e)#%- se*tors w#t1 $oo)
tra*k re*or) wo%.) <e e.#$#<.e for #ss%e of 4o.) Car) </ #n)#v#)%a. <anks as per t1e
*r#ter#a to <e .a#) )own </ t1e .atterB
Re2%ests fro- *ar) 1o.)ers wo%.) <e pro*esse) 2%#*k./ </ <anks w#t1#n 25 )a/s / 15
)a/s an) 7 )a/s for fres1 app.#*at#ons / renewa. of .#-#ts an) a)1o* .#-#ts?
respe*t#ve./B


0n:pr#n*#p.e .#-#ts wo%.) <e set for a per#o) of /ears w#t1 a prov#s#on for stan):</
.#-#t of 20 per *ent to -eet %r$ent *re)#t nee)s. >owever an ann%a. rev#ew of s%*1
a**o%nts s1a.. <e )one.
Car) 1o.)ers wo%.) <e $#ven preferen*e #n t1e -atter of $rant#n$ of pa*k#n$ *re)#t #n
fore#$n *%rren*/B
>+/ R+ -a/ *ons#)er wa#ver of *o..atera.s an) eDe-pt#on fro- ,C4C $%arantee on t1e
<as#s of *ar) 1o.)erIs *re)#twort1#ness an) tra*k re*or).
Con*ess#ona. R+0 on post s1#p-ent r%pee eDport *re)#t -a/ <e eDten)e) fro- 90 )a/s
to 180 )a/s.
. INFRASTRUCTURE FINANCIN6
D&(ntonD (n/ *re)#t fa*#.#t/ #n w1atever for- eDten)e) </ .en)ers (#.e. Banks? ".s or
5B"Cs) to an #nfrastr%*t%re fa*#.#t/ as spe*#f#e) <e.ow fa..s w#t1#n t1e )ef#n#t#on of
Z0nfrastr%*t%re .en)#n$Z
#. ( roa)? #n*.%)#n$ to.. roa)? a <r#)$e or a ra#. s/ste-B
##. ( 1#$1wa/ proEe*t #n*.%)#n$ ot1er a*t#v#t#es <e#n$ an #nte$ra. part of t1e 1#$1wa/
ProEe*tB
###. ( port? a#rport? #n.an) waterwa/ or #n.an) portB
#v. ( water s%pp./ proEe*t? #rr#$at#on proEe*t? water treat-ent s/ste-? san#tat#on
an) sewera$e s/ste- or so.#) waste -ana$e-ent s/ste-B
v. 6e.e*o--%n#*at#on serv#*es w1et1er <as#* or *e..%.ar? #n*.%)#n$ ra)#o pa$#n$?
)o-est#* sate..#te serv#*e (#.e. a sate..#te owne) an) operate) </ an 0n)#an
*o-pan/ for prov#)#n$ te.e*o--%n#*at#on serv#*e)? network of tr%*k#n$?
<roa)<an) network an) 0nternet serv#*es.
v#. (n #n)%str#a. park or spe*#a. e*ono-#* ;one.
v##. 4enerat#on or $enerat#on an) )#str#<%t#on of power.
v###. 6rans-#ss#on or )#str#<%t#on of power </ .a/#n$ a network of new trans-#ss#on or
)#str#<%t#on .#nes.
#D. proEe*ts #nvo.v#n$ a$ro:pro*ess#n$ an) s%pp./ of #np%ts to a$r#*%.t%re.
D. ProEe*ts for preservat#on an) stora$e of pro*esse) a$ro:pro)%*ts? per#s1a<.e
$oo)s s%*1 as fr%#ts? ve$eta<.es an) f.owers #n*.%)#n$ test#n$ fa*#.#t#es for
2%a.#t/B an)
D#. ,)%*at#ona. #nst#t%t#ons an) 1osp#ta.s.
D##. La/#n$ )own an)/or -a#ntenan*e of $as? *r%)e o#. an) petro.e%- -#nera.s
#n*.%)#n$ *#t/ $as )#str#<%t#on network.
D###. (n/ ot1er #nfrastr%*t%re fa*#.#t/ of s#-#.ar nat%re
4. Pro#&$$n! , Appra$a% o( Loan Propo$a%$D
Proper ana./s#s of <a.an*e s1eet s1o%.) <e -a)e an) t1e <a.an*e s1eet #tse.f s1o%.) not
<e -ore t1an s#D -ont1s o.). 0n *ase t1e a%)#te) <a.an*e s1eet #s -ore t1an s#D -ont1s
o.)? prov#s#ona. res%.ts for .atest ava#.a<.e )ate s1o%.) <e o<ta#ne) an) ana./;e). (s
per t1e s/ste-? 6aD (%)#t #s *o-p%.sor/ w1ere t1e t%rnover #n a f#nan*#a. /ear #s a<ove
Rs. '0.00 .a*s (Re*e#pts a<ove Rs. 15.00 La*s #n *ase of profess#ona.s). (s s%*1? #t #s
ne*essar/ to o<ta#n a%)#te) f#nan*#a. state-ents of non: Corporates a.so #n fo..ow#n$
*asesA
1. ,nEo/#n$ work#n$ *ap#ta. .#-#ts a<ove Rs. 10.00 La*
2. 6%rnover of -ore t1an Rs. '0.00 La* #n *ase on non: profess#ona.s an) re*e#pts
a<ove Rs. 15.00 La* #n *ase of profess#ona.s.
5. T'rnoB&r M&t)o" ;Up to R$5 35--Cror&<D
61e work#n$ *ap#ta. .#-#ts of t1e <orrowers w#t1 work#n$ *ap#ta. .#-#ts %p to Rs.5.00 Crores #n
*ase of !8, %n#ts/ot1er %n#ts #s *o-p%te) on t1e <as#s of 20% of t1e#r rea.#st#* proEe*te)
t%rnover s%<Ee*t to t1e *on)#t#on t1at a -#n#-%- -ar$#n of 5% of t%rnover s1a.. <e <ro%$1t #n
</ t1e pro-oters/<orrowers as t1e#r own *ontr#<%t#on.
61e 8PB" s/ste- s1a.. *ont#n%e) to <e fo..owe) for a.. <orrowers w#t1 work#n$ *ap#ta. .#-#t
a<ove rs.5 *rore.
'. 6'"&%n&$ (or R&B&? o( T&rm Loan A##o'nt$
a) Kork#n$ Cap#ta. fa*#.#t#es san*t#one) a.on$ w#t1 6er- Loans (#rrespe*t#ve of t1e o%tstan)#n$
#n t1e 6er- Loan)


In #a$& o( T&rm Loan$ $an#ton&" a%on! ?t) Workn! Capta% (a#%t&$, t)& r&B&? o(
T&rm Loan $)o'%" A& 'n"&rtak&n a%on! ?t) t)& Workn! Capta% (a#%t&$ at t)& tm& o(
ann'a% r&B&?5
<) 6er- Loans (stan)a.one) w#t1 o%tstan)#n$ of Rs.50.00 La*s an) a<ove.
0n *ases w1ere 6er- Loans 1ave <een san*t#one) on stan)a.one <as#s an) t1e o%tstan)#n$ at
t1e t#-e of rev#ew #s Rs. 50.00 .a*s an) a<ove? t1e san*t#on#n$ a%t1or#t/ s1a.. ens%re t1at
t1e rev#ew of s%*1 6er- Loans #s %n)ertaken ann%a../ w#t1o%t fa#..
*) 6er- Loans (stan)a.one) w#t1 o%tstan)#n$ of .ess t1an Rs. 50.00La*s.
61e rev#ew of a.. 6er- Loans san*t#one) on a stan)a.one <as#s w#t1 o%tstan)#n$ of .ess t1an
Rs. 50.00 .a*s at t1e t#-e of rev#ew s1a.. <e %n)ertaken </ t1e respe*t#ve san*t#on#n$
a%t1or#t/ on a *onso.#)ate) <as#s #.e. a.. s%*1 ter- .oans taken to$et1er #n a state-ent for-
as per t1e pres*r#<e) for-at.

6er- Loans san*t#one) </ >+ (!tan)a.one 6L) <e a.so rev#ewe) </ Re$#ona. >ea).

T&rm Loan$ r'nnn! rr&!'%ar
K1erever an/ of t1e 6er- Loans are r%nn#n$ #rre$%.ar? t1e -atter s1o%.) <e reporte) to t1e
san*t#on#n$ a%t1or#t/ an) pro-pt *orre*t#ve a*t#on s1o%.) <e #n#t#ate) #--e)#ate./ fo..owe)
</ *ont#n%o%s -on#tor#n$ t#.. s%*1 t#-e t1e a**o%nt <e*o-es re$%.ar.

IMPORTANT POINTS OF LOAN POLIC8 ARE SUMMARIZED AS UNDERD
In(ra$tr'#t'r& Fnan#n!D
T)& (o%%o?n! a#tBt&$ )aB& A&&n a""&" to t)& "&(nton o( n(ra$tr'#t'r&
(n #n)%str#a. park or !pe*#a. ,*ono-#* Sone
.a/#n$ )own an) /or -a#ntenan*e of $as? *r%)e o#. an) petro.e%- p#pe.#nes
(n) an/ ot1er #nfrastr%*t%re fa*#.#t/ of s#-#.ar nat%re.
L&n"n! Prn#p%&$ (or In(ra$tr'#t'r& Fnan#n!D
1. (vera$e &!CR not <e.ow 1.2A1 )%r#n$ ten%re of .oan.
2. &,R s1a.. not eD*ee) A1.
. Levera$e Rat#o s1a.. not eD*ee) 'A1
4. 0nternat#ona. *re)#t rat#n$ : -#n#-%- a**epta<.e entr/ .eve. rat#n$ 08aC '
5. ,Dpos%re #n (/Cs w#t1 *re)#t rat#n$ <e.ow 7 s1a.. not <e taken w#t1o%t t1e approva. of
8CB.
'. (.. proposa. of #nfrastr%*t%re f#nan*e s1a.. <e s%<-#tte) at >+ eD*ept C (a) Constr%*t#on
re.at#n$ to proEe*t #nvo.v#n$ ($ro Pro*ess#n$ = !%pp./ of #np%ts to ($r#*%.t%re (<)
Constr%*t#on for preservat#on of stora$e of pro*esse) a$ro pro)%*ts? per#s1a<.e foo)s?
fr%#ts? f.owers? ve$eta<.es #n*.%)#n$ test#n$ fa*#.#t/ for 2%a.#t/.
7. B8 s1a.. 1ave no powers
8. R> -a/ *ons#)er ,)%*at#ona. 0nst#t%t#ons? >osp#ta.s? tota. "B = 5"B eDpos%re per <orrower
s1a.. not eD*ee) ' t#-es of #ts own net wort1.

ProO&#t Fnan#n!
0n *ase of .ar$e s#;e proEe*ts of a<ove Rs. 50.00 Crores? t1e f%n)#n$ re2%#re-ents wo%.)
ne*ess#tate Eo#nt f#nan*#n$ </ ot1er <anks / f#nan*#n$ %n)er *onsort#%- or s/n)#*at#on
arran$e-ents.

W%%('% D&(a'%t&r$
0n a))#t#on? t1e entreprene%rs / pro-oters of *o-pan#es w1ere <ank 1ave #)ent#f#e)
s#p1on#n$/ )#vers#on of f%n)s? -#srepresentat#on? fa.s#f#*at#on of a**o%nts an) fra%)%.ent
transa*t#ons s1a.. <e "&Aarr&" (rom n$tt'tona% (nan#& (rom t)& Bank (or (%oatn! n&?
B&nt'r&$ (or a p&ro" o( 3 >&ar$ (rom t)& "at&? t1e na-e of t1e w#..f%. )efa%.ter #s
p%<.#s1e) #n t1e .#st of w#..f%. )efa%.ters </ RB0

A't)ort> (or R&n&?a%, R&B&? O( Ca$&$
(.. fres1 proposa.s fro- <orrowers w1ose $ro%p *on*erns 1ave <een *.ass#f#e) as 5P(s
w#t1 ot1er Banks/ "#nan*#a. 0nst#t%t#ons s1a.. <e p.a*e) <efore t1e 8ana$e-ent
Co--#ttee of t1e Boar) for *ons#)erat#on an) san*t#on.


>owever? t1e renewa. / rev#ew/ en1an*e-ent or a))#t#ona. t/pe of .#-#ts to s%*1 *.#ents s1a..
<e *ons#)ere) </ t1e f%n*t#onar/ #n w1ose )e.e$ate) powers? t1e proposa. fa..s

0n *ase of HUF t1e eDpos%re .#-#t s1a.. <e as app.#*a<.e to #n)#v#)%a. #.e. 0 *rore

Mat'rt> Pro(%& (or ProO&#t T&rm Loan,In(ra$tr'#t'r& T&rm Loan
a. 6er- Loans are essent#a../ .on$:ter- eDpos%res *o-pare) to work#n$ *ap#ta. fa*#.#t/.
61ese wo%.) <e $overne) </ (sset L#a<#.#t/ 8ana$e-ent ((L8) $%#)e.#nes of RB0. 61e
ter- .oan -at%r#t/ prof#.e (eD*.%)#n$ Reta#. !*1e-es / >o%s#n$ Loans) s1o%.) not
$enera../ eD*ee) 7 /ears >owever? Re$#ona. >ea)s an) f%n*t#onar#es at >ea) +ff#*e
-a/ per-#t ter- .oans 1av#n$ repa/-ent per#o) %p to 10 /ears (0n*.%)#n$ $estat#on
per#o)) on *ase to *ase <as#s? w1ere *as1 f.ow E%st#f#es s%*1 .on$er repa/-ent per#o).
<. 0n t1e *ases of f#nan*#n$ for #nfrastr%*t%re? t1e ter- .oan -at%r#t/ per#o) -a/ $o %p
to 15 /ears or -ore. B%t 0n *ase t1e repa/-ent per#o) #s over 15 /ears #t -a/ <e
*ons#)ere) </ t1e san*t#on#n$ a%t1or#t/ on *ase to *ase <as#s.
*. >owever? t1e *ases w1ere repa/-ent of 6er- Loan #s <e/on) 7 /ears? t1e #nfor-at#on
of s%*1 *ases s1a.. <e s%<-#tte) </ respe*t#ve Re$#ona. +ff#*es to Cre)#t
()-#n#strat#on &epart-ent at >+ w1#*1 s1a.. p.a*e t1e *onso.#)ate) #nfor-at#on
(R+N>+) of a.. s%*1 *ases to (LC+ for #nfor-at#on.

Tr&atm&nt o( Un$&#'r&" Loan$ a$ P'a$ Capta%
K1#.e *a.*%.at#n$ "&At &J't> rato / .evera$e rat#o of propr#etors1#p / partners1#p *on*erns?
%nse*%re) .oans fro- fa-#./ -e-<ers -a/ <e taken as 2%as#:*ap#ta.. 0n *ase of 7Pr#vate .#-#te)
*o-pan/9 %nse*%re) .oans fro- &#re*tors / fa-#./ -e-<ers of &#re*tors -a/ a.so <e taken as
2%as#:*ap#ta.. >owever? t1ese re.aDat#ons w#.. <e s%<Ee*t to o<tent#on of %n)ertak#n$ fro- t1e
propr#etors/partners/ )#re*tors? as t1e *ase -a/ <e? t1at t1e .eve. of s%*1 %nse*%re) .oans/ s1a..
re-a#n at t1e proEe*te) .eve. )%r#n$ t1e *%rren*/ of <ank f#nan*e.

!%<or)#nate) )e<t/ -e;;an#ne )e<t -a/ a.so <e *ons#)ere) as part of 2%as# *ap#ta. keep#n$ #n
v#ew t1e#r nat%re. 61ese t/pes of )e<ts s1o%.) <e s%<or)#nate) to a.. ot1er *re)#tors.

Tr&atm&nt o( Mar!n 'n"&r B6, L,C
&epos#t kept for t1e p%rpose of -ar$#n towar)s B4/LC? -a/ <e treate) as *%rrent assets for t1e
p%rpose of C%rrent Rat#o on./. >owever? t1e sa-e -a/ <e eD*.%)e) fro- t1e <%#.t of *%rrent
assets w1#.e arr#v#n$ at 8PB".

Tr&atm&nt o( TL In$ta%m&ntD 6reat-ent of 6L #nsta.-ent fa..#n$ )%e w#t1#n 12 -ont1s s1a.. not
<e #n*.%)e) #n *%rrent .#a<#.#t#es for 8PB" #n *ase s%ff#*#ent *as1 $enerat#on #s ava#.a<.e to take
*are of t1e aforesa#) *o--#t-ent.

Sto#k A'"t
61e sto*k a%)#t nee) not to <e *on)%*te) </ t1e C1artere) a**o%ntant w1ereA
#) 61e <orrower #s ava#.#n$ no ot1er f%n) <ase) or non f%n) <ase) fa*#.#t#es eD*ept
Bank 4%arantees
##) 61e <orrower #s ava#.#n$ )e-an) .oan or over)raft a$a#nst #--ova<.e propert/.
###) 61e <orrower #s ava#.#n$ t1e *re)#t fa*#.#t/ a$a#nst f%t%re renta.s on./.
#v) 61e .oan a$a#nst propert/ san*t#one) to BankIs Lan) .or)s/ .an) .a)#es? t1e
pre-#ses of w1#*1 1as <een taken on .ease </ t1e Bank
v) !tan) a.one ter- .oan
v#) "%n) <ase) work#n$ *ap#ta. .#-#t #s .ess t1an 2 *rore #n *ase of stan)ar) (C =
restr%*t%re) / 5P( (/Cs 1av#n$ KC .#-#t Rs. .ess t1an 1 *rore.

I$$'&$ r&%atn! to RCon(%#t Damon"$R
Geep#n$ #n v#ew t1e reso.%t#on passe) </ Ln#te) 5at#ons 4enera. (sse-<./ on 01.12.2000 re.at#n$
to *onf.#*t )#a-on)? t1e Bank nee)s to <e *aref%. w1#.e )ea.#n$ w#t1 eDport of &#a-on)s. (s s%*1
an %n)ertak#n$ #s to <e o<ta#ne) fro- t1e eDporter a<o%t t1e area of or#$#n of t1e &#a-on)
*ert#f/#n$ t1atA


a. 61e )#a-on)s eDporte)/ <e#n$ eDporte) are not or#$#nate) fro- areas/*o%ntr#es fa..#n$
w#t1#n t1e perv#ew of t1e ter- RCon(%#t Damon"$R5
<. 61e/ 1ave *o-p.#e) w#t1 a.. t1e $%#)e.#nes /.e$#s.at#ons #ss%e) #n t1#s re$ar) fro- t#-e to
t#-e </ 4ovt of 0n)#a? Reserve Bank of 0n)#a / &#a-on) 6ra)#n$ Corporat#on or an/
a%t1or#;e) a$en*/ #n t1#s re$ar).

A!r#'%t'r& L&n"n!D 61e .oans s1a.. <e I
1. 0n ter-s of 4ovt. of 0n)#a $%#)e.#nes? s#n*ere efforts s1a.. <e -a)e to a*1#eve at
.east 0% #n*rease #n a$r#. a)v. over t1e .ast /earIs )#s<%rse-ent.
2. ,a*1 r%ra. an) se-# %r<an <ran*1 s1a.. a)) at .east 100 new for-er <orrowers
)%r#n$ 2010:11.
. ,a*1 r%ra. = se-# %r<an <ran*1 s1a.. )#re*t at .east 40% a$r# *re)#t for #nvest-ent
p%rpose for 2: new #nvest-ent proEe*ts #n t1e area of p.antat#on = 1ort#*%.t%re?
f#s1er#es? or$an#* far-#n$? a$ro pro*ess#n$? .#ve sto*k? -#*ro #rr#$at#on? spr#nk.er
#rr#$at#on an) ot1er a$r#. a*t#v#t#es.
4. 8#n#-%- of 40% of fres1 a$r#*%.t%re a)van*e to s-a.. an) -ar$#na. far-ers.

For C6TMSE (&&$ A> "&Atn! C)ar!&$ 6&n&ra% I Comm$$on Pa" a##o'nt
#. +ne t#-e Lp front 4%arantee "ee for a <.o*k of 5 /ears W 1 % of t1e *re)#t fa*#.#t/ ("%n)
<ase) = 5on "%n) Base)) san*t#one) %p to Rs 5 Lak1 for new *ases.
##. (nn%a. !erv#*e "ee W 0.50 % of t1e *re)#t fa*#.#t#es san*t#one) %p to Rs 5.00 .ak1 ("B N
5"B) for eD#st#n$ as we.. as new *ases
2. 8at%r#t/ prof#.e of 6er- Loan (#n*.%s#ve of $estat#on per#o))
!r 5o 5at%re of 6er- Loan 8at%r#t/ Prof#.e
1 !1ort 6er- Loan Be.ow /ears
2 8e)#%- 6er- Loan /ears an) a<ove <%t
<e.ow 5/ears
Lon$ 6er- Loan 5 /ears an) a<ove <%t %pto
7/ears
4 6er- Loan for 0nfrastr%*t%re +ver 7 /ears

D&%&!aton O( D$#r&tonar> Po?&r$ For A"Ban#&$ ;R$5 In Cror&$<
A't)ort> Sn!%&
Borro?&r
6ro'p
E@po$'r&
C1a#r-an = 8ana$#n$ &#re*tor '0.00V 120.00
,De*%t#ve &#re*tor 45.00V 90.00
4enera. 8ana$er ("%n*t#ona. >ea)) at >ea) off#*e =
4enera. 8ana$er (Re$#ona. >ea))
25.00V 40.00
&48 (Re$#ona. >ea))
&48(Cre)#t) at >ea) +ff#*e
&48 C Bran*1 0n*%-<ent
10.00

15.00

(48(Re$#ona. >ea))
(48: Bran*1 0n*%-<ent
7.50 10.00
Bran*1 0n*%-<ents #n !*a.e 0@ 1.50 .00
Bran*1 0n*%-<ents #n !*a.e 000 0.75 0.75
Bran*1 0n*%-<ents #n !*a.e 00 0.25 0.25
Bran*1 0n*%-<ents #n !*a.e 0 0.15 0.15

Not& - In r&$p&#t o( Aorro?&r ?)o$& ratn! n t)& IMaC$ mo"&% $ A&%o? 3 ;5&5 0 to +-< t)&
po?&r $)a%% A& r&"'#&" to 4-F o( norma% po?&r<

D&%&!at&" Po?&r$ For 6rantn! A""tona% ,En)an#&m&nt In E@$tn! A##o'nt$
Int&rna% #r&"t Ratn! A't)ort> to #on$"&r a""tona% ,&n)an#&m&nt n &@$tn!
a##o'nt$
08aC! 1 6o ' Respe*t#ve san*t#on#n$ a%t1or#t/ #n w1ose powers a$$re$ate


eDpos%re fa..s as per &#s*ret#onar/ .en)#n$ powers approve)
08aC! 7 Bran*1 >ea)s w#.. not 1ave an/ powers .
>+/R+ w#.. *ons#)er a))#t#ona. eDpos%re en1an*e-ent %pto
t1e#r powers #n a**o%nts w#t1 rat#n$ 08aC! 7
08aC! 8?9?10 (%t1or#t/ to *ons#)er a))#t#ona. /en1an*e-ent #n eD#st#n$
a**o%nts w#t1 08aC! rat#n$ 8?9?10 rests w#t1 8CB on./.

E@po$'r&
,Dpos%re s1a.. #n*.%)e Cre)#t eDpos%re (f%n)e) an) non:f%n)e) *re)#t .#-#ts)? *re)#t e2%#va.ent
of "orwar) *ontra*t .#-#t to t1e eDtent of 5% of "orwar) Contra*t L#-#t an) 0nvest-ent eDpos%re
(#n*.%)#n$ %n)erwr#t#n$ an) s#-#.ar *o--#t-ents) . 61e san*t#one) .#-#ts or o%tstan)#n$?
w1#*1ever are 1#$1er? s1a.. <e re*kone) for arr#v#n$ at t1e eDpos%re .#-#ts. >owever? #n t1e *ase
of f%../ )rawn ter- .oans? w1ere t1ere #s no s*ope for re:)rawa. of an/ port#on of t1e san*t#one)
.#-#tB <ank -a/ re*kon t1e o%tstan)#n$ as t1e eDpos%re.
Un$&#'r&" E@po$'r&
Lnse*%re) eDpos%re9 1as <een )ef#ne) as an eDpos%re w1ere t1e rea.#;a<.e va.%e of t1ese*%r#t/?
as assesse) </ t1e Bank / (pprove) va.%ers / Reserve Bank 0nspe*t#n$ +ff#*ers? #s not -ore t1an
10% a<:#n#t#o (#.e. at t1e t#-e of san*t#on) of t1e o%tstan)#n$ eDpos%re.7!e*%r#t/9 w#.. -ean
tan$#<.e se*%r#t/ proper./ *1ar$e) to t1e <ank an) w#.. not #n*.%)e#ntan$#<.e se*%r#t#es .#ke
$%arantees? *o-fort .etters et*.>owever <ank -a/ treat ann%#t#es %n)er <%#.):operate transfer
(B+6) -o)e. #n respe*t of roa)/1#$1wa/ proEe*ts an) to.. *o..e*t#on r#$1ts? w1ere t1ere are
prov#s#ons to *o-pensate t1e proEe*t sponsor #f a *erta#n .eve. of traff#* #s not a*1#eve)? as
tan$#<.e se*%r#t#es s%<Ee*t to t1e *on)#t#on t1at <anks9 r#$1t to re*e#ve ann%#t#es an) to..
*o..e*t#on r#$1ts #s .e$a../ enfor*ea<.e an) #rrevo*a<.e.
R&a% E$tat& #s $enera../ )ef#ne) as an #--ova<.e asset : .an) (eart1 spa*e) an) t1e
per-anent./ atta*1e) #-prove-ents to #t.

In#om&-pro"'#n! r&a% &$tat& ;IPRE< refers to a -et1o) of prov#)#n$ f%n)#n$ to rea. estate (s%*1
as? off#*e <%#.)#n$s to .et? reta#. spa*e? -%.t#fa-#./ res#)ent#a. <%#.)#n$s? #n)%str#a. or ware1o%se
spa*e? an) 1ote.s) w1ere t1e prospe*ts for repa/-ent an) re*over/ on t1e eDpos%re )epen)
pr#-ar#./ on t1e *as1 f.ows $enerate) </ t1e asset. 61e pr#-ar/ so%r*e of t1ese *as1 f.ows wo%.)
$enera../ <e .ease or renta. pa/-ents or t1e sa.e of t1e asset.

Capta% Mark&t
BanksI *ap#ta. -arket eDpos%res wo%.) #n*.%)e <ot1 t1e#r )#re*t eDpos%res an) #n)#re*t
eDpos%res. (.so #n*.%)es a)van*es a$a#nst s1ares/<on)s/)e<ent%res et* an) Br#)$e .oans to
*o-pan#es a$a#nst eDpe*te) e2%#t/ f.ows/#ss%es et*.

S)ort not&$ D
(. 0n ter-s of !e*t#on 20(1) of t1e Bank#n$ Re$%.at#on (*t? 1949? a <ank *annot $rant an/ .oans
an) a)van*es on t1e se*%r#t/ of #ts own s1ares
B. Loans to *o-pan#es for <%/:<a*k of s1ares/se*%r#t#es are not per-#tte).
C. Bran*1es s1o%.) not eDten) f#nan*e for sett#n$ %p of new %n#ts *ons%-#n$/pro)%*#n$ t1e
+;one &ep.et#n$ !%<stan*es (+&!) spe*#f#e) </ RB0.

Bank s1a.. not $rant an/ .oan/a)van*e for s%<s*r#pt#on to 0&Rs (In"an D&po$tor> R&#&pt$<.
"%rt1er? Bank s1a.. not $rant an/ .oan/a)van*e a$a#nst se*%r#t//*o..atera. of 0&Rs #ss%e) #n 0n)#a.

Bank *annot $rant .oans a$a#nst C&s (C&rt(#at& o( D&po$t$< an) a.so not:per-#tte) to <%/:<a*k
t1e#r own C&s <efore -at%r#t/ eD*ept C&s 1e.) </ -%t%a. f%n)s.

PRIORIT8 SECTOR
8a#n t1r%st of t1e Bank s1a.. <e on reta#n#n$ eD#st#n$ *%sto-ers? a*2%#s#t#on of new
*%sto-ers? prov#)#n$ 2%a.#t/ an) nee) <ase) *re)#t to var#o%s se*tors of t1e e*ono-/.
"o..ow#n$ se*tors 1ave <een #)ent#f#e) for f.ow of *re)#t on pr#or#t/ <as#sA
a) ($r#*%.t%re
<) 8!8, !e*tor


*) Reta#. .oans %pto Rs 20 .ak1 an) >o%s#n$ "#nan*e %pto Rs. 25.00 .a*s
)) +t1er Pr#or#t/ se*tor .en)#n$
e) ,Dports
Bes#)es )%e e-p1as#s w#.. <e $#ven to a%$-ent 5on:"%n) <ase) <%s#ness

M#ro an" Sma%% Ent&rpr$&$ ;Dr&#t an" In"r&#t Fnan#&<
&#re*t f#nan*e to -#*ro an) s-a.. enterpr#ses s1a.. #n*.%)e a.. .oans $#ven to -#*ro an) s-a..
(-an%fa*t%r#n$) enterpr#ses en$a$e) #n -an%fa*t%re/ pro)%*t#on? pro*ess#n$ or preservat#on of
$oo)s? an) -#*ro an) s-a.. (serv#*e) enterpr#ses en$a$e) #n prov#)#n$ or ren)er#n$ of serv#*es?
an) w1ose #nvest-ent #n p.ant an) -a*1#ner/ an) e2%#p-ent (or#$#na. *ost eD*.%)#n$ .an) an)
<%#.)#n$ an) s%*1 #te-s as -ent#one) t1ere#n) respe*t#ve./? )oes not eD*ee) t1e a-o%nts
spe*#f#e) </ RB0.
61e -#*ro an) s-a.. (serv#*e) enterpr#ses s1a.. #n*.%)e s-a.. roa) = water transport
operators? s-a.. <%s#ness? profess#ona. = se.f:e-p.o/e) persons? reta#. tra)e #.e. a)van*es
$rante) to reta#. tra)ers )ea.#n$ #n essent#a. *o--o)#t#es (fa#r pr#*e s1ops)? *ons%-er operat#ve
stores an) a)van*es $rante) to pr#vate reta#. tra)ers w#t1 *re)#t .#-#ts not eD*ee)#n$ Rs. 20 .ak1
an) a.. ot1er serv#*e enterpr#ses? as spe*#f#e) </ RB0/ 8#n#str/ of 8!8,? 4ovt. of 0n)#a.
M#ro Cr&"t
Dr&#t M#ro Cr&"t
Prov#s#on of *re)#t an) ot1er f#nan*#a. serv#*es an) pro)%*ts of ver/ s-a.. a-o%nts not
eD*ee)#n$ Rs. 50?000 per <orrower )#re*t./ or #n)#re*t./ t1ro%$1 a !>4/JL4 -e*1an#s- for on:
.en)#n$ %p to Rs. 50?000 per <orrower w#.. *onst#t%te -#*ro *re)#t.

Ho'$n! I C%a$$(#aton 'n"&r Prort> $&#tor
0. Loans %p to Rs. 25 .ak1? #rrespe*t#ve of .o*at#ons? to #n)#v#)%a.s for p%r*1ase/*onstr%*t#on
of a )we..#n$ %n#t per fa-#./ an) .oan $#ven for repa#rs to t1e )a-a$e) )we..#n$ %n#ts of
fa-#.#es %p to Rs. 1 .ak1 #n r%ra. an) se-#:%r<an areas an) %p to Rs. 2 .ak1 #n %r<an an)
-etropo.#tan areas.
00. (ss#stan*e $#ven to an/ $overn-enta. a$en*/ for *onstr%*t#on of )we..#n$ %n#ts or for s.%-
*.earan*e an) re1a<#.#tat#on of s.%- )we..ers? s%<Ee*t to a *e#.#n$ of Rs. 5 .ak1 of .oan a-o%nt
per )we..#n$ %n#t.
000. (ss#stan*e $#ven to a non:$overn-enta. a$en*/ approve) </ t1e 5>B for t1e p%rpose of
ref#nan*e for *onstr%*t#on/re*onstr%*t#on of )we..#n$ %n#ts or for s.%- *.earan*e an)
re1a<#.#tat#on of s.%- )we..ers? s%<Ee*t to a *e#.#n$ of .oan *o-ponent of Rs. 5 .ak1 per )we..#n$
%n#t.
0@. Loans $rante) to >o%s#n$ "#nan*e Co-pan#es (>"Cs)? approve) </ 5at#ona. >o%s#n$ Bank for
t1e p%rpose of ref#nan*e? for on:.en)#n$ to #n)#v#)%a.s for p%r*1ase/*onstr%*t#on of )we..#n$
%n#ts? prov#)e) t1e 1o%s#n$ .oans $rante) </ >"Cs )o not eD*ee) Rs.20 .ak1 per )we..#n$ %n#t per
fa-#./.
61e a<ove spe*#a. )#spensat#on s1a.. app./ to .oans $rante) </ <ank to >"Cs %p to 8ar*1 1?
2010. !%*1 .oans $rante) t#.. 8ar*1 1? 2010 w#.. *ont#n%e to <e *.ass#f#e) %n)er pr#or#t/ se*tor
t#.. t1e/ are repa#).
61e en) %se of t1e f%n)s s1a.. <e ens%re) as per t1e RB0 $%#)e.#nes on .en)#n$ to pr#or#t/ se*tor.
Ho?&B&r a%% $ta(( %oan$ !rant&" to t)& &mp%o>&&$ o( t)& Aank n#%'"n! %oan$ !rant&" 'n"&r
#on$'m&r Aankn! an" )om& %oan ar& not to A& #%a$$(&" a$ prort> $&#tor5

E"'#aton I C%a$$(#aton 'n"&r PS
,)%*at#on .oans #n*.%)e .oans an) a)van*es $rante) to on./ #n)#v#)%a.s for e)%*at#ona.
p%rposes %p to Rs. 10 .ak1 for st%)#es #n 0n)#a an) Rs. 20 .ak1 for st%)#es a<roa)? an) )o not
#n*.%)e t1ose $rante) to #nst#t%t#ons. >owever? Loans $rante) to e)%*at#ona. #nst#t%t#ons w#.. <e
e.#$#<.e to <e *.ass#f#e) as pr#or#t/ se*tor a)van*es %n)er -#*ro an) s-a.. (serv#*e) enterpr#ses?
prov#)e) t1e/ sat#sf/ t1e prov#s#ons of 8!8,& (*t 200'.

Un"&r t)& r&B$&" RBI $%#)e.#nes on .en)#n$ to pr#or#t/ se*tor? a)van*es $rante) for reta#. tra)e
#.e. a)van*es $rante) to reta#. tra)ers )ea.#n$ #n essent#a. *o--o)#t#es (fa#r pr#*e s1ops)?
*ons%-er *o:operat#ve stores an) a)van*es $rante) to pr#vate reta#. tra)ers w#t1 *re)#t .#-#ts not
eD*ee)#n$ Rs. 20 .ak1 fa.. %n)er pr#or#t/ se*tor


T&rm Loan$ I Important pont$
a) Pro-oterIs *ontr#<%t#on of at .east 20% #n t1e tota. e2%#t/ #s nor-a../ eDpe*te).
e) 61e ot1er <as#* para-eters wo%.) <e t1e net )e<t serv#*e *overa$e rat#o? #.e. eD*.%s#ve of
#nterest pa/a<.e? w1#*1 s1a.. nor-a../ not $o <e.ow 2. +n a $ross <as#s avera$e &!CR s1a.. not <e
<e.ow 1.5. 0n *ase of 1#$1./ *ap#ta. #ntens#ve/#nfrastr%*t%re proEe*ts? &!CR of .ess t1an 1.5A1(%p
to 1.2A1) -a/ <e *ons#)ere) on *ase to *ase <as#s.
f) (s re$ar)s -ar$#n an)/or se*%r#t/? t1#s w#.. )epen) on &e<t ,2%#t/ rat#o w1#*1 s1o%.) not
nor-a../ <e a<ove 2A1 #.e. )e<t s1o%.) not <e -ore t1an 2 t#-es t1e e2%#t/ *ontr#<%t#on.
>owever? #n *ase of *ap#ta. #ntens#ve #n)%str#es? t1e sa-e -a/ <e *ons#)ere) %p to t1e .eve. of
A1.
k) 0n *ase a ter- .oan #s prepa#) </ t1e <orrower for s1#ft#n$ to ot1er Bank/"0? onet#-e
pre:pa/-ent *1ar$es of 1% of t1e tota. o%tstan)#n$ <a.an*e s1a.. <e .ev#e). >owever? #n
*ase of >o%s#n$ Loans? one:t#-e pre:pa/-ent pena.t/ of 2% on t1e o%tstan)#n$ <a.an*e
s1a.. <e pa/a<.e #n *ase a *%sto-er transfer t1e .oan a**o%nt to ot1er <ank / "0 )#re*t./
or #n)#re*t./. A$ p&r t)& n&? )o'$n! %oan $#)&m& t)& pr& pa>m&nt p&na%t> )a$ A&&n
"$#ontn'&" n a%% t)& #a$&$5
5o ter- .oan #s to <e san*t#one) </ t1e f#e.) f%n*t#onar#es #n #so.at#on w1ere t1e #-p.e-entat#on
per#o) #s .ess t1an one /ear.
p) 61e overa.. 6er- Loan *o-ponent of t1e Bank9s Cre)#t Portfo.#o (,D*ept#n$ 6er- Loans
*overe) %n)er ($r#*%.t%re? !8, = ,Dports) s1a.. <e *ontro..e) so as not to nor-a../ eD*ee) '0 %
of t1e Bank9s tota. a)van*es)
2) C1artere) (**o%ntants *ert#f#*ate for en) %se of f%n)s s1a.. <e o<ta#ne) #n a.. *ases of
Bank9s eDpos%re of Rs.5.00 *rore an) a<ove.
r) Cert#f#*ate fro- .en)erIs #n)epen)ent en$#neer *onf#r-#n$ t1at pro$ress of *#v#. work
an) #nsta..at#on of p.ant an) -a*1#ner#es #s #n a**or)an*e w#t1 t1e proEe*t report s1a.. <e
o<ta#ne). 61#s *ert#f#*ate s1o%.) <e o<ta#ne) for ver#f#*at#on of *reat#on of assets
#nvar#a<./ #n a.. proEe*ts #nvo.v#n$ te*1n#*a. eDpert#se w1ere <ank #s 1av#n$ eDpos%re
of Rs 50.00 *rore an) a<ove.
B#$ t#*ket .oan for <#))#n$ s1a.. <e per-#tte) for 1#$1 net wort1 <orrowers. 5et wort1 of
s%*1 <orrowers s1a.. not <e .ess t1an 100 *rore +R P%<.#* !e*tor Ln)ertak#n$.
T&#)no-E#onom# 7aA%t> ;TE7< St'"&$
Cons#)er#n$ t1e #n*reas#n$ )e-an) for 6er- Loan? #t was )e*#)e) t1at 6,@ !t%)/ s1a.. <e *arr#e)
o%t for a.. proposa.s seek#n$ fres1 ter- .oans eD*ee)#n$ M 5.00 *rore fro- o%r <ank.
Con$ort'm (nan#n! C 61e RB0 $%#)e.#nes for -an)ator/ for-at#on of *onsort#%- #n respe*t of
work#n$ *ap#ta. .#-#ts of Rs. 50 *rores an) a<ove for t1e <ank#n$ s/ste- stan)s w#t1)rawn. Bank
w#.. prefer to 1ave? s%<Ee*t to pr%)ent#a. nor-? at .east 5% s1are as a -e-<er of *onsort#%- for
a -ean#n$f%. part#*#pat#on #n t1e *onsort#%-.
T)& %oan app%#aton$ perta#n#n$ to !C/!6? !8, an) ,Dports *annot <e reEe*te) </ t1e
san*t#on#n$ a%t1or#t/ %n)er w1ose powers t1e sa-e fa..s. +n./ t1e neDt 1#$1er san*t#on#n$
a%t1or#t/ *an reEe*t t1e sa-e.
61e Bank 1as entere) #nto 8+L w#t1 ,XL0"(Y Cre)#t 0nfor-at#on !erv#*es Pvt. Lt) (,C0!) w1#*1 #s
a RB0 Re$#stere) Cre)#t 0nfor-at#on Co-pan/ .#ke C0B0L. ,XL0"(Y #s present./ prov#)#n$ Cons%-er
!erv#*es on./ an) #s eDpe*te) to start Co--er*#a. !erv#*es after so-e t#-e.
R&Bo%Bn! L&tt&r O( Cr&"t
Re#nstate-ent *.a%se #n revo.v#n$ LCs <e s%#ta<./ wor)e) an) #n no *ase #t s1o%.) <e
a%to-at#*. No r&Bo%Bn! LC A& $$'&" ?t)o't r&-n$tat&m&nt #%a'$&. 61e re#nstate-ent s1o%.)
on./ <e per-#tte) after a wr#tten *onf#r-at#on fro- LC open#n$ <ran*1 #s re*e#ve) an) .#a<#.#t/
a$a#nst <#..s a.rea)/ ne$ot#ate) #s *.eare) </ t1e opener.
Cr&"t F%o? to MSME S&#tor
(s per 4overn-ent $%#)e.#nes? <ank s1o%.) a*1#eve a 20% /ear:on:/ear $rowt1 #n *re)#t to -#*ro
an) s-a.. enterpr#ses to ens%re en1an*e) *re)#t f.ow. (.. t1e <ran*1es s1o%.) a*1#eve a 10%
ann%a. $rowt1 #n t1e n%-<er of -#*ro enterpr#se a**o%nts.
61e a..o*at#on of '0% of t1e 8!, a)van*es to t1e 8#*ro ,nterpr#ses #s to <e a*1#eve) #n
sta$es v#;. 50% #n t1e /ear 2010:11? 55% #n t1e /ear 2011:12 an) '0% #n t1e /ear 2012:1. +%t of
tota. a)van*es to 8!, se*tor 40 per *ent s1o%.) $o to -#*ro(-an%fa*t%r#n$) enterpr#ses 1av#n$
#nvest-ent #n p.ant an) -a*1#ner/ %p to Rs. 5.ak1 an) -#*ro (serv#*e) enterpr#ses 1av#n$
#nvest-ent #n e2%#p-ent %p to Rs. 2.ak1. "%rt1er? 20 per*ent a)van*es to 8!, se*tor s1o%.) $o


to -#*ro (-an%fa*t%r#n$) enterpr#ses w#t1 #nvest-ent #n p.ant an) -a*1#ner/ a<ove Rs.5.ak1 an)
%p to Rs. 25 .ak1? an) -#*ro (serv#*e) enterpr#ses w#t1 #nvest-ent #n e2%#p-ent a<ove Rs. 2 .ak1
an) %p to Rs. 10 .ak1.
C%am$ on Corporat&$
C.a#-s on *orporates s1a.. #n*.%)e a.. "B an) 5"B eDpos%re eD*.%)#n$ t1ose w1#*1 are #n*.%)e)
%n)er sovere#$n? <ank? re$%.ator/ reta#.? res#)ent#a. -ort$a$e? non perfor-#n$ assets an) ot1er
spe*#f#e) *ate$or#es. 61e app.#*a<.e r#sk we#$1t s1a.. <e #n t1e ran$e of 20% to 150% )epen)#n$
%pon t1e rat#n$s ass#$ne) </ t1e eDterna. *re)#t rat#n$ a$en*#es as approve) </ t1e RB0. 61ese
rat#n$ a$en*#es are CR0!0L? 0CR(? C(R, an) "06C> 0n)#a.
Lon! T&rm C%am$ on Corporat&$ - R$k W&!)t$
E@t&rna%
Ratn!
AAA AA A BBB BB =
A&%o?
Unrat&"
R$k
?&!)t
.-F *-F 3-F +--F +3-F +--F

S)ort T&rm C%am$ on Corporat&$ - R$k W&!)t$
CARE CRISIL ICRA R$k
W&!)t$
FITCH ICRA R$k W&!)t$
(1N (1N (1N (1N .-F
(1 (1 (1 (1 *-F
(2 (2 (2 (2 3-F
( ( ( ( +--F
(4/(5 (4/(5 (4/(5 (4/(5 +3-F
Lnrate) Lnrate) Lnrate) Lnrate) +--F
R$k W&!)t$ (or 'n$&#'r&" porton o( NPA$
61e %nse*%re) port#on of 5P( net of spe*#f#* prov#s#on an) part#a. wr#te offs s1a.. <e r#sk
we#$1te) as %n)erA
SN PARTICULARS RESIDENTIAL
MORT6A6E
OTHER NPA$
-+ !pe*#f#* prov#s#ons are .ess t1an 20% of
o%tstan)#n$ a-o%nt of 5P(
+--F +3-F
-. !pe*#f#* prov#s#ons are at .east 20% an)
%pto 50% of o%tstan)#n$ a-o%nt of 5P(
13F +--F
-* !pe*#f#* prov#s#ons are at .east 50% of
o%tstan)#n$ a-o%nt of 5P(
3-F 3-F
+n./ e.#$#<.e *o..atera. re*o$n#;e) for *re)#t r#sk -#t#$at#on p%rposes s1a.. <e #n*.%)e) w1#.e
est#-at#n$ t1e se*%re) port#on of t1e 5P(. 0f 5P( #s f%../ se*%re) </ t1e *o..atera. t1at are not
re*o$n#se) for *re)#t r#sk -#t#$at#on p%rposes? e#t1er #n)epen)ent./ or a.on$ w#t1 ot1er e.#$#<.e
*o..atera. a 100 per *ent r#sk we#$1t -a/ app./? net of spe*#f#* prov#s#ons? w1en prov#s#ons rea*1
15 per *ent of t1e o%tstan)#n$ a-o%nt. C.a#-s se*%re) </ res#)ent#a. propert/ an) *.ass#f#e) as
5P( are we#$1te) at 100 % net of spe*#f#* prov#s#ons. 0f t1e spe*#f#* prov#s#ons are at .east 20 %
<%t .ess t1an 50 % of t1e o%tstan)#n$ a-o%nt? r#sk we#$1t app.#*a<.e to t1e .oan net of spe*#f#*
prov#s#ons s1a.. <e 75 %. 0f t1e spe*#f#* prov#s#ons are 50 % or -ore t1e app.#*a<.e r#sk we#$1t w#..
<e 50 %
61e t1res1o.) .#-#t to #n)#v#)%a. <orrowers 1as <een f#De) at t1e .eve. of 5% of Capta% ('n"$ of t1e Bank
an) s%<stant#a. ,Dpos%re .#-#ts #s )e*#)e) at a .eve. of 500% of t1e Capta% f%n)s of t1e Bank for t1e /ear
2011:12.T)& #apta% ('n"$ o( t)& Aank a$ on *+5-*5++ ?a$ R$5 +*//+52. #ror&$
61e a$$re$ate eDpos%re of t1e Bank to t1e *ap#ta. -arket #n a.. for-s (<ot1 f%n) <ase) an) non:f%n)
<ase)) $)o'%" not &@#&&" 2- p&r #&nt o( t$ n&t ?ort) as on 8ar*1 1 of t1e prev#o%s /ear. K#t1#n t1#s
overa.. *e#.#n$ of 40 per *ent? t1e Bank9s )#re*t #nvest-ent #n s1ares? *onvert#<.e <on)s /)e<ent%res?
%n#ts of e2%#t/:or#ente)
-%t%a. f%n)s an) a.. eDpos%res to @ent%re Cap#ta. "%n)s (@C"s) Q<ot1 re$#stere) an) %nre$#stere)P s1o%.)
not eD*ee) .- p&r #&nt o( n&t ?ort) a$ on Mar#) *+ o( t)& pr&Bo'$ >&ar. Bank9s #n)#re*teDpos%re
(a)van*es to *ap#ta. -arket se*tor) s1a.. not eD*ee) 20 per*ent of net wort1.T)& n&t?ort) o( t)& Aank
a$ on *+5-*5++ ?a$ R$5 /2405+* #ror&$
61e Bank9s ,Dpos%re a$a#nst s1ares e#t1er </ wa/ of Loans an) ()van*es a$a#nst s1ares or w1ere t1e Bank
#s a p.e)$ee of t1e s1ares 0% of Co-pan/9s Pa#):%p *ap#ta. or 0% of Bank9s Pa#):%p *ap#ta. N Reserves
w1#*1ever #s .ess.
Loans a$a#nst se*%r#t/ of s1ares? *onvert#<.e <on)s? *onvert#<.e )e<ent%res an) %n#ts of e2%#t/ or#ente)


-%t%a. f%n)s to #n)#v#)%a.s (rom t)& Aankn! $>$t&m s1o%.) not eD*ee) t1e .#-#t of Rs.20 .a*s per
#n)#v#)%a. prov#)e) t1e se*%r#t#es are 1e.) #n )e-at for-
Bank -a/ $rant a)van*es to #n)#v#)%a.s for s%<s*r#<#n$ to 0P+s. Loans/a)van*es to an/ #n)#v#)%a. fro- t1e
<ank#n$ s/ste- a$a#nst se*%r#t/ of s1ares? *onvert#<.e <on)s? *onvert#<.e )e<ent%res? %n#ts of e2%#t/
or#ente) * an) P!L <on)s s1o%.) not eD*ee) t1e .#-#t of Rs.10 .ak1 for s%<s*r#<#n$ to 0P+s.
Bank s1a.. o<ta#n a %n#for- -ar$#n of 50% w1#.e $rant#n$ f#nan*#n$ of 0P+9s. 0ss%e of $%arantees for *ap#ta.
-arket operat#on. ( -#n#-%- *as1 -ar$#n of 25% (w#t1#n t1e -ar$#n of 50%) s1a.. <e -a#nta#ne) #n
respe*t of $%arantees for *ap#ta. -arket operat#ons
E@po$'r& 'n"&r R&a% E$tat& ;Fo( aBa%aA%& !ro$$ a"Ban#&$ o( Aank o( pr&Bo'$ J'art&r< Res#)ent#a.
8ort$a$e (&#re*t = 0n)#re*t) 20% Co--er*#a. Rea. ,state C 10%
0nvest-ent #n !e*%r#t#;e) Paper: 1% ($$re$ate ,Dpos%re to Rea. ,state *+5--F

T&rm Pr&m'm (or T&rm Loan
6ak#n$ #nto a**o%nt t1e )ep.o/-ent of Bank9s f%n) for a .on$ per#o) w1#*1 *arr#es a re.at#ve./
1#$1er r#sk? a 6er- Pre-#%- of 50<ps over an) a<ove t1e nor-a. sprea) <%t w#t1#n t1e -aD#-%-
sprea) for a.. fres1 ter- .oan w#t1 repa/-ent per#o) eD*ee)#n$ /ears 1ave <een #ntro)%*e).
6er- pre-#%- w#.. not <e app.#*a<.e on s*1e-at#* .en)#n$ %n.ess spe*#f#e). 0n respe*t of
<orrowa. a**o%nts ava#.#n$ .#-#ts over Rs. 2.00 .a*s? #nterest rates 1ave <een .#nke) w#t1 t1e
*re)#t r#sk rat#n$.

Prort> S&#tor ;UPDATED TILL *+-+.-.-++<

1. SMERA : Bank 1as a t#e:%p arran$e-ent w#t1 !8, Rat#n$ ($en*/ of 0n)#a Lt). (!8,R() on 1
t1

(pr#. 200'. !8,R( #s t1e f#rst an) on./ )e)#*ate) rat#n$ a$en*/ for t1e s-a.. = -e)#%-
enterpr#ses (!8,) se*tor #n 0n)#a. Ln)er t1e arran$e-ent? !8,R( prov#)es *o-pre1ens#ve
rat#n$ serv#*es to !8,s <orrowers of t1e Bank at t1e s%<s#)#;e) rates an) offer 20% )#s*o%nt
for a.. !8, a**o%nts referre) </ o%r Bank to !8,R( for rat#n$. !8,R( w#.. a.so offer 75%
)#s*o%nt on t1e renewa. rat#n$ fees.
2. E%!A%t> Crt&ra (or DRI - 61e Reserve Bank of 0n)#a v#)e t1e#r .etter )ate) 10
t1
(pr#. 2008
1as #nfor-e) t1at as a part of B%)$et !pee*1 for 2008:09? t1e <orrower9s e.#$#<#.#t/ *r#ter#a
for ava#.#n$ .oan %n)er t1e &R0 s*1e-e 1as <een #n*rease). 61e <orrowers w#t1 ann%a. fa-#./
#n*o-e of Rs.18000/: #n t1e r%ra. areas an) Rs.24000/: #n t1e %r<an areas w#.. now <e
e.#$#<.e to ava#. of t1e fa*#.#t/ %n)er &R0 s*1e-e as a$a#nst t1e ear.#er ann%a. #n*o-e *r#ter#a
of Rs.'400/: #n r%ra. an) Rs.7200/: #n %r<an areas. 0t 1as <een *.ar#f#e) </ t1e 8#n#str/ of
"#nan*e t1at t1e rev#se) e.#$#<#.#t/ #n*o-e *r#ter#a of Rs.24000/: for %r<an areas %n)er t1e
&R0 s*1e-e #s app.#*a<.e to se-#:%r<an areas a.so.
. T&#)no%o!> Up!ra"aton F'n" S#)&m& ;TUFS<- (01.04.2007 to 1.0.2012) : 61e 6e*1no.o$/
Lp $ra)at#on "%n) !*1e-e (6L"!) was #ntro)%*e) </ 4ovt. of 0n)#a on 1.4.1999 to prov#)e
en*o%ra$e-ent to 6eDt#.e an) J%te 0n)%str#a. Ln#ts #n !!0 an) 5on:!!0 se*tor for tak#n$ %p
te*1no.o$/ %p$ra)at#on an) to -o)ern#;e t1e#r pro)%*t#on fa*#.#t#es </ offer#n$ #n*ent#ves #n
t1e for- of part#a. re#-<%rse-ent of #nterest. !0&B0 #s t1e no)a. a$en*/ for !!0 se*tor an)
0&B0 #s t1e no)a. a$en*/ for non:!!0 se*tor.
4. Am&n"m&nt$ n Or&nta% 6r&&n Car"; O6C < = Or&nta% 9$an 6o%" Car";O96C< S#)&m&

S5
No
Param&t&r$ E@$tn! !'"&%n&$ Am&n"m&nt propo$&"
1 Per (*re !*a.e of f#nan*e for
*rops propose) to <e $rown
(s per re*o--en)at#on of
&#str#*t 6e*1n#*a. *o--#ttee
(s per re*o--en)at#on of &#str#*t
6e*1n#*a. *o--#ttee for *%rrent
/ear
2 Repa#r = 8a#ntenan*e of ($r#.
,2%#p-ents/-a*1#ner/
10 % of *rop pro)%*t#on .oan 25 % of *rop pro)%*t#on = ot1er
a..#e) a*t#v#t#es .oan (Co.. 5o:1 of
pro*ess note).
"or-at of Rev#se) Pro*ess 5ote
en*.ose) as (nneD%re:0


(. 8#.*1 (n#-a.s
#)Cross Bree) ,Dot#* :
##) Lo*a. Bree) :
B. &ro%$1t (n#-a.s
B%..o*k/*a-e./>e:<%ffa.o :
C. !-a.. (n#-a.s
4oat/!1eep/p#$s

W8000/:per (n#-a.
W '000 Per (n#-a.

W 4000 per (n#-a.

W 1000/:per an#-a.

W12000/: per (n#-a.
W10000/: per (n#-a.

W 5000/: per an#-a.

W 2000/:per (n#-a.
4 5on far- (*t#v#t#es s%*1 as
art#sans? s-a.. tra)#n$? -#*ro:
enterpr#ses? ven)ors et*.
?orkn! #apta% n&&"? #f an/
25% of ann%a. t%rnover
(8aD#-%- Rs 25000/:)
!a-e

5 Loan for fa-#./ *ons%-pt#on
/eDpenses )%r#n$ t1e per#o)
fro- sow#n$ to sta$e of
1arvest#n$ of *rops stan)#n$ #n
t1e f#e.).
0 % of pro)%*t#on
.oan(8aD#-%- Rs. 100000/:)
!a-e

' Loan a-o%nt %p to -aD#-%- of
Rs. 25000/:to !"/8" =
Rs.50000/:to +t1er "ar-ers to
repa/ t1e#r o.) )e<ts fro- non
#nst#t%t#ona. so%r*es
Rs. 25000/:to !"/8" =
Rs.50000/:to +t1er "ar-ers
Loan a-o%nt %p to -aD Rs.100000
or a*t%a. w1#*1ever #s .ower to a..
far-ers to repa/ t1e#r o.) )e<ts

7 Lan) &eve.op-ent a*t#v#t#es
s%*1 as .an) Re*.a-at#on?
Leve..#n$? "en*#n$? Ln)er$ro%n)
p#pe .#n#n$ et*? Repa#r#n$ of
*att.e s1e) =far- 1o%se et*
5#. 25 % of *rop pro)%*t#on = ot1er
a..#e) a*t#v#t#es .oan (Co.. 5o:1 of
pro*ess note)
"or-at of Rev#se) Pro*ess 5ote
en*.ose) as (nneD%re:0
8 "or post 1arvest a*t#v#t#es .#ke
sort#n$? $ra)#n$? pa*k#n$?
stor#n$? transportat#on *1ar$es
for a$r#*%.t%re = a..#e) a*t#v#t#es
pro)%*e
5#. 8aD#-%- Rs.20?000 per a*re
9 8aD#-%- .oan .#-#t 5o *e#.#n$ ?
>owever ?.#-#t s1a.. not
eD*ee) eDpe*te) ann%a.
#n*o-e of far-ers fro- a..
so%r*es
5o *e#.#n$.
8aD#-%- Per-#ss#<.e .#-#t %n)er
s*1e-e s1a.. <e as %n)er:
() 8PB" arr#ve) as per
pro*ess note.
B) 50% of va.%e of a$r#*%.t%re
.an) offere) as se*%r#t/.
C) 6ota. eDpe*te) ann%a.
#n*o-e fro- a.. so%r*es as
per app.#*at#on.

8aD#-%- per-#ss#<.e .#-#t s1a.. <e
.owest of (? B? C.
61e va.%at#on of .an) w#.. <e )one
on t1e <as#s of .ast /ears avera$e
pr#*e to <e o<ta#ne) fro-
a**re)#te) reven%e off#*#a..


5. Farm&r$ C%'A Pro!ramm&- (or &@t&n"n! $'pport (or Farm&r$: C%'A Pro!ramm&-61e new
po.#*/ w#.. *over a.. eD#st#n$ an) new *.%<s an) <e*o-e operat#ve fro- 01.07.2008. 0t w#.. a.so
s%perse)e a.. prev#o%s #nstr%*t#ons on t1e pro$ra--eD
(.. #nst#t%t#ona. a$en*#es ( Co--er*#a. Banks? Cooperat#ve Banks an) Re$#ona. R%ra. Banks
) an) a.. $rass:root .eve. or$an#sat#ons ( 54+s? PR0s? !tate ($r#*%.t%ra. Ln#vers#t#es? G@Gs?
(68(? Post +ff#*es? et*.) are e.#$#<.e to for- "ar-ersI C.%<s.
5(B(R& ass#stan*e to a.. a$en*#es w#.. %n#for-./ <e W Rs.10?000/: per *.%< per ann%- for
a per#o) of /ears #rrespe*t#ve of w1et1er t1e/ are #nst#t%t#ona. or ot1er a$en*#es an)
a.so t1e re$#on *on*erne). 61e ass#stan*e w#.. <e towar)s -eet#n$ t1e fo..ow#n$ -#n#-%-
an) -an)ator/ eDpensesA
"or-at#on = -a#ntenan*e eDpenses A Rs. 2?000/:
(wareness/ or#entat#on -eet at <ase .eve. A Rs. 5?000/:
8eet w#t1 eDperts pro$ra--e ( 2 Pro$ra--es #n a /ear ) A Rs. ?000/:
6ota. D R$5 +-,---,-
'. A!r#'%t'r& Loan- A!an$t t)& S&#'rt> o( 6o%" K&?&%%&r> -Boar) of &#re*tors #n #ts -eet#n$
)ate) '.9.2008? approve) a s*1e-e to f#nan*e a$r#*%.t%ra. .oan a$a#nst t1e se*%r#t/ of 4o.)
Jewe..er/ #n t1e na-e of TOr&nta% 9$an S?arn Car"U ;O9SC<5 "or #ss%an*e of +G!C t1e
+r#enta. $reen *ar) pass <ook s1a.. <e %se)5 61e s1ort ter- pro)%*t#on/work#n$ *ap#ta.
fa*#.#t/ s1a.. <e a..owe) as *as1 *re)#t s#-#.ar to +4C an) for #nvest-ent *re)#t separate ter-
.oan a**o%nt s1a.. <e opene) for ea*1 a*t#v#t/. 0% a$a#nst va.%e of $o.) Eewe..er/ offere) as
*o..atera. se*%r#t/.
#) Crop Pro)%*t#on Loan : Bas#s of arr#v#n$ at t1e *re)#t .#-#t #s s*a.e of f#nan*e.
##) 6er- Loan A 8ar$#n
Lpto Rs.50000/: 5#.
(<ove Rs.50000/: 10%.
61e tota. *re)#t .#-#t w#.. <e )#v#)e) #n two parts #.e. work#n$ *ap#ta. port#on? s1a.. <e worke)
o%t s#-#.ar to t1e +4C $%#)e.#nes an) ter- .oan s1a.. <e worke) o%t </ )e)%*t#n$ t1e work#n$
*ap#ta. port#on fro- tota. 2%ant%- of .oan <ase) on va.%e of $o.) Eewe..er/. 6o -ake t1e
s*1e-e -ore attra*t#ve an) far-er fr#en)./? #t #s )e*#)e) to eDten) t1e .oan a$a#nst $o.)
Eewe..er/ / orna-ents #n s#n$.e na-e of t1e far-er. >owever 5o +<Ee*t#on Letter </ t1e w#fe
of t1e <orrower? $#v#n$ 1er no o<Ee*t#on to t1e p.e)$e of t1e $o.) orna-ents / Eewe..er#es
p.e)$e) </ 1er 1%s<an) #n favo%r of t1e <ank an) %n)ertak#n$ t1at s1e w#.. not -ake an/
*.a#- on t1e sa#) $o.) #te-s on t1e preteDt of 1er #nterest #n t1e $o.) Eewe..er/ / orna-ents
as 1er 0str#)1an or an/ ot1er $ro%n) w1atsoever a.on$ w#t1 t1e persona. $%arantee of t1e w#fe
<e o<ta#ne).
7. Mo"(#aton In T)& Cr&"t 6'arant&& S#)&m& -61e C468!, v#)e t1e#r *#r*%.ar no
C468!,/(44)/1095 )ate) 1'
t1
Jan%ara/?2009 1as #nfor-e) t1e fo..ow#n$ *1an$es #n t1e
s*1e-e t1e e.#$#<.e .oan .#-#t %n)er t1e s*1e-e w#.. now <e Rs 100 Lak1 #nstea) of Rs 50
Lak1.
10. &#s*ret#onar/ powers 61e #n*%-<ents of t1e
<ran*1es 1ave <een veste)
w#t1 powers to san*t#on
fa*#.#t/ as %n)er:
!*a.e:0 C Rs.10.00 La*s
!*a.e:00C Rs.15.00 La*s
!*a.e:000: Rs.0.00 La*s
!*a.e:0@: Rs.50.00 La*s

(48/R>/00n) -an #n
Re$#on/Bran*1 #n*%-<ent:
Rs.250.00 La*s

&48 at >+/R>/00n) -an #n
t1e Re$#on/Bran*1
#n*%-<ent: M00.00 La*s
48 at >+/R>:
Rs.1000.00 La*s
,& : Rs.1500.00 La*
C8& C Rs. 2000.00 La*s

(t par w#t1 )#s*ret#onar/ power for
$enera. .oans


61e Cre)#t 4%arantee "%n) 6r%st for 8#*ro = !-a.. ,nterpr#ses s1a.. prov#)e t1e $%arantee as
%n)erA
Cat&!or> Ma@m'm E@t&nt o( 6'arant&& ?)&r& #r&"t (a#%t> $
Lp to Rs 5.00 Lak1 (<ove Rs 5.00 Lak1
%p to Rs 50.00 Lak1
(<ove Rs 50.00 Lak1 %p to Rs 100
Lak1

8#*ro ,nterpr#ses 85% of t1e a-o%nt
#n )efa%.t s%<Ee*t
to a -aD#-%- of
Rs 4.25 Lak1
75% of t1e a-o%nt
#n )efa%.t s%<Ee*t
to a -aD#-%- of
Rs 7.50 Lak1
Rs 7.50 Lak1 p.%s 50% of t1e
a-o%nt #n )efa%.t a<ove Rs 50.00
Lak1 s%<Ee*t to -aD#-%- *e#.#n$ of
Rs '2.50 Lak1.

Ko-en ,ntreprene%rs/
Ln#ts .o*ate) #n 5ort1
,ast Re$#on (#n*..!#kk#-)
(+t1er t1an *re)#t
fa*#.#t/ %p to Rs 5 Lak1
to 8#*ro ,nterpr#ses)

80% of t1e a-o%nt #n )efa%.t s%<Ee*t to a
-aD#-%- of Rs 40 Lak1
Rs 40 Lak1 p.%s 50% of a-o%nt #n
)efa%.t a<ove Rs 50 Lak1 s%<Ee*t to
overa.. *e#.#n$ of Rs '5.00 Lak1

(.. +t1er Cate$or/ of
<orrowers
75% of t1e a-o%nt #n )efa%.t s%<Ee*t to a
-aD#-%- of Rs 7.50 .ak1
Rs 7.50 Lak1 p.%s 50% of a-o%nt #n
)efa%.t a<ove Rs 50 Lak1 s%<Ee*t to
overa.. *e#.#n$ of Rs '2.50 Lak1
61e proposa.s for san*t#on of $%arantee approva.s w#.. 1ave to <e rate) #nterna../ </ t1e Bank.
61e proposa.s approve) </ t1e Bank on or after 8
t1
&e*e-<er? 2008 w#.. <e e.#$#<.e for t1e
*overa$e %p to Rs 100 .ak1.
0n or)er to -#t#$ate t1e <%r)en an) to en*o%ra$e <orrowers to take t1e $%arantee *over? t1e
Boar) of &#re*tors v#)e Boar) Reso.%t#on 5o.P!:9 )ate) 2.0'.2009 1as approve) *1an$es #n
4%arantee fee str%*t%re an) a**or)#n$./ t1e Bank s1a.. <ear ent#re *ost </ )e<#t#n$ C1ar$es
4enera. C Co--#ss#on Pa#) a**o%nt #n respe*t of fo..ow#n$ *ate$or/ of <orrowersA
+ne t#-e Lp front 4%arantee "ee for a <.o*k of 5 /ears W 1 % of t1e *re)#t fa*#.#t/ ("%n)
<ase) = 5on "%n) Base)) san*t#one) %p to Rs 5 Lak1 for new *ases.

(nn%a. !erv#*e "ee W 0.50 % of t1e *re)#t fa*#.#t#es san*t#one) %p to Rs 5.00 .ak1 ("B N 5"B)
for eD#st#n$ as we.. as new *ases.
PS Tar!&t$
61e tar$ets an) s%<:tar$ets set %n)er pr#or#t/ se*tor .en)#n$ for )o-est#* an) fore#$n <anks
operat#n$ #n 0n)#a are f%rn#s1e) <e.owA
Dom&$t# #omm&r#a% Aank$ For&!n Aank$
Tota%
Prort>
S&#tor
a"Ban#&$
40 per *ent of ()E%ste) 5et Bank Cre)#t ((5BC) or *re)#t
e2%#va.ent a-o%nt of +ff:Ba.an*e !1eet ,Dpos%re? w1#*1ever #s
1#$1er.
2 per *ent of (5BC or
*re)#t e2%#va.ent a-o%nt of
+ff:Ba.an*e !1eet ,Dpos%re?
w1#*1ever #s 1#$1er.
18 per *ent of (5BC or *re)#t e2%#va.ent a-o%nt of +ff:Ba.an*e
!1eet ,Dpos%re? w1#*1ever #s 1#$1er.
Tota%
a!r#'%t'ra%
a"Ban#&$ +f t1#s? #n)#re*t .en)#n$ #n eD*ess of 4.5% of (5BC or *re)#t
e2%#va.ent a-o%nt of +ff:Ba.an*e !1eet ,Dpos%re? w1#*1ever #s
1#$1er? w#.. not <e re*kone) for *o-p%t#n$ perfor-an*e %n)er 18
per *ent tar$et. >owever? a.. a$r#*%.t%ra. a)van*es %n)er t1e
*ate$or#es I)#re*tI an) I#n)#re*tI w#.. <e re*kone) #n *o-p%t#n$
perfor-an*e %n)er t1e overa.. pr#or#t/ se*tor tar$et of 40 per
*ent of (5BC or *re)#t e2%#va.ent a-o%nt of +ff:Ba.an*e !1eet
,Dpos%re? w1#*1ever #s 1#$1er.
5o tar$et.
Sma%%
Ent&rpr$&
a"Ban#&$
()van*es to s-a.. enterpr#ses se*tor w#.. <e re*kone) #n
*o-p%t#n$ perfor-an*e %n)er t1e overa.. pr#or#t/ se*tor tar$et of
M#ro
enterpr#ses
w#t1#n !-a..
,nterpr#ses
(#) 40 per *ent of tota. a)van*es to s-a.. enterpr#ses se*tor s1o%.) $o
to -#*ro (-an%fa*t%r#n$) enterpr#ses 1av#n$ #nvest-ent #n p.ant
an) -a*1#ner/ %p to Rs 5 .ak1 an) -#*ro (serv#*e) enterpr#ses
1av#n$ #nvest-ent #n e2%#p-ent %p to Rs. 2 .ak1B
!a-e as for )o-est#* <anks.


Dom&$t# #omm&r#a% Aank$ For&!n Aank$
se*tor (##) 20 per *ent of tota. a)van*es to s-a.. enterpr#ses se*tor
s1o%.) $o to -#*ro (-an%fa*t%r#n$) enterpr#ses w#t1 #nvest-ent #n
p.ant an) -a*1#ner/ a<ove Rs 5 .ak1 an) %p to Rs. 25 .ak1? an)
-#*ro (serv#*e) enterpr#ses w#t1 #nvest-ent #n e2%#p-ent a<ove
Rs. 2 .ak1 an) %p to Rs. 10 .ak1. (61%s? '0 per *ent of s-a..
enterpr#ses a)van*es s1o%.) $o to t1e -#*ro enterpr#ses).
,Dport *re)#t ,Dport *re)#t #s not a part of pr#or#t/ se*tor for )o-est#*
*o--er*#a. <anks.
()van*es to
weaker
se*t#ons
5o tar$et.
&#fferent#a.
Rate of
0nterest
!*1e-e
1 per *ent of tota. a)van*es o%tstan)#n$ as at t1e en) of t1e
prev#o%s /ear. 0t s1o%.) <e ens%re) t1at not .ess t1an 40 per *ent
of t1e tota. a)van*es $rante) %n)er &R0 s*1e-e $o to s*1e)%.e)
*aste/s*1e)%.e) tr#<es. (t .east two t1#r) of &R0 a)van*es s1o%.)
<e $rante) t1ro%$1 r%ra. an) se-#:%r<an <ran*1es.
5o tar$et.
Q(5BC or *re)#t e2%#va.ent of +ff:Ba.an*e !1eet ,Dpos%res (as )ef#ne) </ &epart-ent of Bank#n$
+perat#ons an) &eve.op-ent of Reserve Bank of 0n)#a fro- t#-e to t#-e) w#.. <e *o-p%te) w#t1
referen*e to t1e o%tstan)#n$ as on 8ar*1 1 of t1e prev#o%s /ear. "or t1#s p%rpose? o%tstan)#n$
"C5R (B) an) 5R5R )epos#ts <a.an*es w#.. no .on$er <e )e)%*te) for *o-p%tat#on of (5BC for
pr#or#t/ se*tor .en)#n$ p%rposes. "or t1e p%rpose of pr#or#t/ se*tor .en)#n$? (5BC )enotes 5BC
p.%s #nvest-ents -a)e </ <anks #n non:!LR <on)s 1e.) #n >68 *ate$or/. 0nvest-ents -a)e </
<anks #n t1e Re*ap#ta.#;at#on Bon)s f.oate) </ 4overn-ent of 0n)#a w#.. not <e taken #nto a**o%nt
for t1e p%rpose of *a.*%.at#on of (5BC. ,D#st#n$ #nvest-ents? as on t1e )ate of t1#s *#r*%.ar?
-a)e </ <anks #n non:!LR <on)s 1e.) #n >68 *ate$or/ w#.. not <e taken #nto a**o%nt for
*a.*%.at#on of (5BC? %p to 8ar*1 1? 2010. >owever? fres1 #nvest-ents </ <anks #n non:!LR
<on)s 1e.) #n >68 *ate$or/ w#.. <e taken #nto a**o%nt for t1e p%rpose. &epos#ts p.a*e) </ <anks
w#t1 5(B(R&/!0&B0? as t1e *ase -a/ <e? #n .#e% of non:a*1#eve-ent of pr#or#t/ se*tor .en)#n$
tar$ets/s%<:tar$ets? t1o%$1 s1own %n)er !*1e)%.e 8 C I0nvest-entsI #n t1e Ba.an*e !1eet at #te- 0
(v#) C I+t1ersI? w#.. not <e treate) as #nvest-ent #n non:!LR <on)s 1e.) %n)er >68 *ate$or/. "or
t1e p%rpose of *a.*%.at#on of *re)#t e2%#va.ent of off:<a.an*e s1eet eDpos%res? <anks -a/ %se
*%rrent eDpos%re -et1o). 0nter:<ank eDpos%res w#.. not <e taken #nto a**o%nt for t1e p%rpose of
pr#or#t/ se*tor .en)#n$ tar$ets/s%<:tar$ets.P
6oB&rnm&nt Spon$or&" S#)&m&$D
1. DRI
&#fferent#a. Rate of 0nterest (&R0 !*1e-e) #s .a%n*1e) on 12.0'.1972
6o <e #-p.e-ente) a.. over 0n)#a </ t1e Banks
6o f#nan*e W4% s#-p.e R+0
8aD#-%- .oan <e#n$ Rs15000/: for pro)%*t#ve a*t#v#t#es? 1#$1er e)%*at#on?
K#t1o%t an/ s%<s#)/? -ar$#n or *o..atera. se*%r#t/?
())#t#ona. .oan of Rs5000/: to p1/s#*a../ 1an)#*appe)?
8ot#ve #s to ass#st poorest of t1e poor an) to <r#n$ t1e- a<ove t1e povert/ .#ne.
Loan (*.ass#f#e) %n)er Keaker se*t#on:P! w#t1 t1e *on)#t#on t1at -#n 40% s1a.. <e
san*t#one) to !C/!6 an) 2/r) of tota. &R0 s1o%.) <e to wo-en) #s re2%#re) to <e repa#)
w#t1#n 5 /ears #n*.%s#ve of -orator#%- per#o) of -aD. 2 /ears.
Can <e $rante) to 0n)#v#)%a.s w1ose fa-#./ #n*o-e not to eD*ee) Rs. 18000/: p.a. #n R%ra.
(reas an) Rs. 24000/: p.a. #n Lr<an = !e-# Lr<an (reas
6o 0n)#v#)%a. w1ose .an) 1o.)#n$ )oes not eD*ee) 1 a*re or #rr#$ate) an) 2.5 a*res of %n:
#rr#$ate) .an) (t1ere #s no s%*1 *e#.#n$ for !C/ !6 en$a$e) #n a$r#*%.t%re = a..#e)
a*t#v#t#es)
Can a.so <e san*t#one) to Peop.e en$a$e) #n Cotta$e/ R%ra. #n)%str#es?
6o P1/s#*a../ >an)#*appe) persons p%rs%#n$ for $a#nf%. o**%pat#on?
6o orp1ana$e/ wo-en9s 1o-e? *ooperat#ve so*#et#es #n*.%s#ve of Lar$e s#;e) ()#vas#
8%.t#p%rpose Co:+perat#ve !o*#et#es for 6r#<a. areas.
Rs. 20000 for 1o%s#n$ to !C/!6 an) %n)er 0n)#ra (was 3oEna #s a.so #n*.%)e) #n &R0.


2. SRMS : SCHEME FOR REHABILITATION OF MANUAL SCA7AN6ERS
,ffe*t#ve fro- 15.04.2008 (*.ass#f#e) %n)er P! C Keaker !e*t#on)? #n p.a*e of erstw1#.e
!LR! to re1a<#.#tate t1e re-a#n#n$ s*aven$ers = t1e#r )epen)ents </ 8ar*1 2009 </
prov#)#n$ tra#n#n$? .oan = s%<s#)/ at %r<an = r%ra. areas to <e #-p.e-ente) </ t1e Banks.
Lne-p.o/e) persons of a<ove 18 /ears w1o #s part#a../ or w1o../ en$a$e) #n t1e o<noD#o%s
an) #n1%-an o**%pat#on of -an%a../ re-ov#n$ n#$1t so#. an) f#ft1 w1o 1ave not <een
prov#)e) an/ ass#stan*e for re1a<#.#tat#on </ Centra. / !tate $ovt. are e.#$#<.e. ,ven !>4s
are a.so e.#$#<.e
61e s*1e-e #s to <e #-p.e-ente) </ nat#ona. !afa# Gara-*1ar# "#nan*e = &eve.op-ent
Corporat#on an) !tate C1anne.#n$ ($en*#es
8aD#-%- Loan of Rs5.00.a*s #s to <e san*t#one) w#t1o%t an/ -ar$#n fro- <orrowerB
1owever s%<s#)/ of 50% for proEe*t *ost of Rs25000.00 _R+0 W5% : (4% to wo-en)` an)
25%(-#n 12500/: -aD 20000/:) for proEe*t *ost of a<ove 25000.00 _R+0 W'%`.
Loan of Rs25000.00 to <e repa#) w#t1#n /earsB Loan a<ove Rs25000.00 to <e repa#)
w#t1#n 5 (8aD#-%- -orator#%- <e#n$ ' -ont1s #n*.%s#ve #n <ot1 t1e *ases)

*5 SKSR8 - SWARNA KA8ANTI SHAHRI ROZ6AR 8OKANA ;SKSR8< I;C%a$$(&" 'n"&r PS-W&ak&r
$&#ton<
!*1e-e app.#*a<.e #n %r<an areas %n)er %r<an Lo*a. Bo)/? #rrespe*t#ve of pop%.at#on s#;e
to prov#)e $a#nf%. e-p.o/-ent to t1e %r<an poor <e.ow %r<an povert/ .#ne? %ne-p.o/e)
or %n)er:e-p.o/e) = )eve.op-ent of wo-en = *1#.)ren #n Lr<an (reas (&KCL() : 4ro%p
of at .east 10 wo-en C w#t1 no -#n a$e/ e)%*at#ona. 2%a.#f#*at#on *r#ter#a #s pres*r#<e)
w1ereas tra#n#n$ #s ne*essar/ (&efa%.ters are not e.#$#<.e).
Loan #s -eant to a fa-#./ on fa-#./ of #n)epen)ent k#t*1en <ase) on per *ap#ta #n*o-e
!*1e-e #s to <e f%n)e) </ Centra. = !tate #n 75A25 Rat#o an) to <e #-p.e-ente) </ L!,P
C Lr<an Lo*a. <o)/ / 8%n#*#pa. Co--#ttee
Loan #s to san*t#one) for sett#n$:%p of !e.f:e-p.o/-ent vent%res 6wo or -ore
<enef#*#ar#es *an for- partners1#p an) wo%.) <e e.#$#<.e for .oan
8aD#-%- proEe*t *ost of Rs50000/:. 8aD s%<s#)/ 15% (-aD 7500/:) .o*k #n 2 /ears. 8ar$#n
5% of proEe*t *ost.
5o *o..atera. or $%arantee for .oan to #n)#v#)%a. %p to Rs. 50000 an) to $ro%p %p to Rs.
.a*. Loan #s to <e repa#) w#t1#n to 7 /ears w#t1 a #n*.%s#ve of -orator#%- of ' to 18
-ont1s.
6ar$et %n)er t1e s*1e-e #s 0% to Ko-enB % to )#sa<.e) an) on prorata <as#s of .o*a.
pop%.at#on to !C/!6.

4. S6S8 : SWARANKA8ANTI 6RAM SWAROK6AR 8OKANA
!*1e-e #s to <r#n$ #n)#v#)%a.s / $ro%ps of r%ra. poor a<ove povert/ .#ne. R%ra. !>4 w#t1
50% of !>4s fro- Ko-en are preferre).
!*1e-e #s to <e f%n)e) </ Centra. = !tate #n 75A25 Rat#o an) to <e #-p.e-ente) </
Co--er*#a. Banks? RRBs/ Co:op Banks. +t1er "0s? Pan*1a/at RaE 0nst#t%t#ons? &R&(s?
54+s? 6e*1n#*a. 0nst#t%t#ons #n &#stt? #nvo.ve) #n pro*ess of p.ann#n$? #-p.e-entat#on /
-on#tor#n$.
R%ra. poor #)ent#f#e) t1ro%$1 BPL Censes approve) </ 4ra- !a<1a an) !>4 of 10:20
-e-<ers ()#ff#*%.t areas 5:20 -e-<ers). 8aD. 0% of -e-<er *an <e of (PL w#t1 t1e
*on)#t#on t1at no s%<s#)/ s1a.. <e ava#.a<.e to t1e-.
Loans to <e )#s<%rse) after a tra#n#n$ of 2 )a/s at t1e eDpense of &R&(.
Loan s1a.. <e san*t#one) as pres*r#<e) </ &#stt. !4!3 Co--#ttee an) *as1 )#s<%rse-ent
%pto Rs10000/: #n *as1. Cons%-pt#on .oan to t1e -aD of Rs2000/: per !waroE$ar#.
!>4s are a.so a..owe) revo.v#n$ f%n) an) &R&( a..ows se*on) )ose of s%<s#)/ of Rs10000
after s%**essf%. %t#.#;at#on of s%<s#)/.
6ar$et %n)er t1e s*1e-e #s 40% to Ko-enB % to )#sa<.e) an) 50% to !C/!6
!%<s#)/ W0% of proEe*t *ost (-aD 7500/:B !C/!6 -aD 10000/:? !>4 W50W -aD 1.25.a* C
10000 per person -aD) (5& t1e s%<s#)/ s1a.. <e treate) as -ar$#n.
Loan to <e repa#) w#t1#n 5? 7? 9 /ears.
Co..atera. !e*%r#t/ / R& part/ $%arantee for #n)#v#)%a. .oan a<ove Rs. 50?000 = $ro%p
.oans a<ove Rs. 5 .a*s.


35 PME6P : PRIME MINISTER$ EMPLO8MENT 6ENERATION PRO6RAME I Cr&"t %nk&" $'A$">
$#)&m& n p%a#& o( PMR8 an" m&r!&" ?t) 97IC-RE6P S#)&m& -

6o $enerate e-p.o/-ent opport%n#t#es #n R%ra. = Lr<an areas </ sett#n$ %p on./ new
-#*ro enterpr#ses? for s%sta#na<.e e-p.o/-ent to art#sans an) %ne-p.o/e) /o%t1 of a$e of
-ore t1an 18 /ears for -an%fa*t%r#n$? serv#*e = <%s#ness a*t#v#t#es. 61e !*1e-e #s
()-#n#stere) </ 8#n#str/ of 8!,? #-p.e-ente) </ G@0C at 5at#ona. .eve. an) </ G@0C:
Boar)? &0C = Banks at !tate .eve..
!*1e-e #s app.#*a<.e to (on./ one fro- fa-#./) 0n)#v#)%a.s? BPL !>4s? C1ar#ta<.e 6r%sts?
Pro)%*t#on Coop !o*#et#es? 0nst#t%t#ons %n)er !o*#et#es Re$#strat#on (C6 of r%ra. an) %r<an
areas. 61ere #s no #n*o-e *e#.#n$. 8#n#-%- ,) X%a.#f#*at#on #s 8t1 pass on./ of
-an%fa*t%r#n$ proEe*ts *ost#n$ a<ove Rs10.00.a* an) serv#*e/ <%s#ness proEe*t a<ove 5
.a*s. Bes#)es? an ,&P tra#n#n$ of 2: weeks #s essent#a. to t1e <enef#*#ar/ #)ent#f#e) </
&#stt. Leve. 6ask "or*e 1ea)e) </ !C/!8 an) represente) </ G@0C/&0C/Banks <efore
re.ease of .oan? w1#*1 #s wa#ve) for t1ose w1o 1ave a.rea)/ %n)er$one s%*1 tra#n#n$.
ProEe*t *ost (w1#*1 #n*.%)es eDpen)#t%re an) one */*.e of work#n$ *ap#ta.) for
-an%fa*t%r#n$ se*tor #s %pto Rs. 25 .a*? for <%s#ness = serv#*e se*tor Rs. 10 .a*s. K#t1o%t
*ap#ta. eDpen)#t%re? proEe*t s1o%.) not <e a**epte). 5o *o..atera. %pto Rs5.00.a*s.
Loan (-o%nt : Co-pos#te .oans *an <e san*t#one) to t1e eDtent of 90% of proEe*t *ost
#n*.%)#n$ s%<s#)/ (95% #n *ase of spe*#a. *ate$or/ <orrowers t1at #n*.%)e !C/!6? wo-en?
+BC? P1/s#*a../ 1an)#*appe)? ,D:serv#*e-en? -#nor#t/? 5ort1 ,ast Re$#on? >#.. an) <or)er
areas et*.) !e.e*t#on of <orrower s1a.. <e on t1e <as#s of s*ore *ar) prepare) </ !B0/RB0.
!%<s#)/ C for 4enera. <orrowers #n %r<an area #s 15% an) #n r%ra. areas #t #s 25%? w1ereas
for spe*#a. *ate$or/ (as a<ove) #t s1a.. 25% an) 5%? w1#*1 #s to <e kept as #nterest free
"&R an) *re)#te) to .oan a**o%nt at t1e en) of r) /ear fro- t1e )ate of 1st
)#s<%rse-ent w1ere #n *ase of .oan <e*o-#n$ 5P( #t *an <e %t#.#;e) even pr#or to
*o-p.et#on of /ears. Lse of work#n$ *ap#ta. *o-ponent s1o%.) <e s%*1 t1at #t to%*1es
100% at one po#nt of t#-e? w#t1#n /ears of .o*k #n per#o) of s%<s#)/ an) not .ess t1an 75%
of t1e san*t#one) .#-#t. 0f #t #s not to%*1e)? pro:rata s%<s#)/ w#.. <e ret%rne) at t1e en) of
r) /ear.
8ar$#n : 10% for $enera. *an)#)ates an) 5% of t1e proEe*t *ost for spe*#a. *ate$or#es.
6ar$et for -ar$#n -one/ #s a..o*ate) </ G@0C.
Repa/-ent : to 7 /ears w#t1 -orator#%- as pres*r#<e).

Mo"(#aton$ n A!r#'%t'r& L&n"n! Norm$
Reserve Bank of 0n)#a v#)e .etter no RB0/2009:10/499/RPC&.PL"!. BC.5o.85/05.04.02/2009:10
)ate) 18.0'.2010 a"B$&" t)at Bank$ ma> ?aB& mar!n,$&#'rt> r&J'r&m&nt$ (or a!r#'%t'ra%
%oan$ (rom &@$tn! %&B&% o( R$ 3-,---,- to R$ +,--,---,- ?t) mm&"at& &((&#t5

+5 Mar!n Mon&> Norm
a< Crop Loan$S an" ot)&r $)ort t&rm %oan$
Lp to Rs.1?00?000/: N%
+ver Rs.1?00?000/: +3F SS
A< T&rm Loan$
Lp to Rs.1?00?000/: N%
+ver Rs.1?00?000/: +3F SS
S S#a%& o( (nan#& $ n&t o( mar!n5
SSR&!ona% H&a" $ &mpo?&r&" to r&"'#& mar!n to +-F n "&$&rBn! #a$&$5

.5 S&#'rt> Norm$
a< Crop Loan$ an" ot)&r $)ort t&rm %oan$
Lp to Rs 1?00?000/: +n./ Pr#-ar/ !e*%r#t/ #.e. >/po. +f Crops/assets.
+ver Rs.1?00?000/: >/po. +f Crops/assets = 8ort$a$e of Lan) +R
r)
part/
4%arantee
I5 T&rm Loan$
Lp to Rs.1?00? 000/: >/po. +f (ssets
+ver Rs.1?00? 000/: >/po. +f (ssets = 8ort$a$e of Lan) +R
r)
part/ 4%arantee.


IMPRO7EMENT IN TURN AROUND TIME ;TAT<
0t 1as <een )es#re) t1at *re)#t proposa.s perta#n#n$ to SME, A!r#'%t'r& an" Prort> S&#tor <e
san*t#one) w#t1#n t1e fo..ow#n$ t#-e fra-eA:
Cre)#t Proposa.s %n)er t1e &#s*ret#onar/ Powers
of Bran*1
!an*t#ons w#t1#n one week of re*e#pt of t1e
*o-p.ete proposa.
of R+/>+
Re*o--en)at#ons </ t1e <ran*1 to R+/>+
w#t1#n one week of re*e#pt of t1e *o-p.ete
proposa.
of R+
!an*t#ons w#t1#n one week of re*e#pt of t1e
*o-p.ete proposa. fro- <ran*1
of >+
Re*o--en)at#ons </ t1e R+ to >+ w#t1#n one
week of re*e#pt of t1e *o-p.ete proposa.
fro- <ran*1
WAI7ER OF DOCUMENTATION CHAR6ES FOR LOANS UP TO RS +-5-- LAC UNDER A6RICULTURE
AD7ANCES5
EQISTIN6 DOCUMENTATION CHAR6ES W5E5F
+35-*5.--/
RE7ISED DOCUMENTATION CHAR6ES W5E5F
+/5-+5.-+- 'p to +/5-+5.-++
&o*%-entat#on C1ar$es #n*.%)#n$ Pr#or#t/
!e*tor a)van*es.
L#-#t (-o%nt (#n M)
Lp to Rs 2.00 La*s 5#.
+ver Rs 2 .a*s to 25 .a*s 2500
+ver Rs 25 to Rs 100 La*s 5000
+ver Rs 100 La*s 10000

&o*%-entat#on C1ar$es #n ($r#*%.t%re #n*.%)#n$
&#re*t ($r#*%.t%re? 0n)#re*t ($r#*%.t%re an) ot1er
(..#e) (*t#v#t#es #n ($r#*%.t%re
L#-#t (-o%nt
(#n Rs)
Up to R$ +-5-- La#$ N%
+ver Rs 10 .a*s to 25 .a*s 2500
+ver Rs 25 to Rs 100 La*s 5000
+ver Rs 100 La*s 10000

O7ERDRAFT FACILIT8 IN NO-FRILL SA7IN6S ACCOUNTSD @#..a$es w#t1 pop%.at#on -ore t1an
2000 1ave a.rea)/ <een a..otte) a-on$ t1e <anks for eDten)#n$ 06 ena<.e) <ank#n$ serv#*es
e#t1er t1ro%$1 B%s#ness Correspon)ents or Bran*1es. 0n t1ese a..otte) v#..a$es a.. e.#$#<.e
1o%se1o.)s are to <e .#nke) w#t1 t1e <ank#n$ s/ste-. 61e o<Ee*t#ve <e1#n) t1e a..ow#n$ s-a..
va.%e over)raft fa*#.#t/ #n 5o:"r#.. a**o%nts #s to -eet s-a.. )o-est#*/ <%s#ness nee)s an) to
)eve.op 1a<#t of 1an).#n$ an) -ana$#n$ t1e *re)#t.
0n v#ew of t1e a<ove f#e.) f%n*t#onar#es are a)v#se) to a..ow s-a.. va.%e over)rafts at #n#t#a. sta$e
sa/ Rs. 100/: or 200/: #n 5o:"r#.. a**o%nts w#t1 a)v#*e to a**o%nt 1o.)er t1at t1#s a-o%nt s1o%.)
<e repa#) #n week./ #nsta..-ents sa/ or 4 or 5 weeks or w#t1#n so-e )a/s sa/ 15 or 0 or 45 )a/s
et*. 61e <enef#*#ar#es s1o%.) <e ass%re) t1at on t#-e./ repa/-ent? t1e en1an*e) over)raft
fa*#.#t/ sa/ )o%<.e s1a.. <e a..owe) on re2%est #--e)#ate./. +n *ons#stent./ repa/#n$ en1an*e)
over)raft .#-#t? t1e .#-#t -a/ <e $ra)%a../ #n*rease) step </ step -aD#-%- %p to Rs. 2?500/:
*ons#)er#n$ t1e re2%#re-ent of <enef#*#ar/. +n rea*1#n$ at -aD#-%- .eve. of Rs 2500/:
s%**essf%../? 1#$1er .oan .#-#t -a/ <e san*t#one) %n)er an/ of Bank9s .en)#n$ s*1e-e.

Sa%&nt (&at'r&$ o( t)& $#)&m& a$ 'n"&rD
#) ,.#$#<#.#t/ : 5o:"r#.. a**o%nt 1o.)ers
##) P%rpose : 6o -eet s-a.. )o-est#*/ <%s#ness nee)s
###) 8aD#-%- +& .#-#t #n 5o:"r#.. (**o%nts : Rs.2?500/:
#v) 0nterest Rate: Base Rate N 4.50%
(.. f#e.) f%n*t#onar#es 1as <een a)v#se) to a..ow over)raft fa*#.#t/ #n -#n#-%- 10 5o:"r#..
a**o%nts #n ea*1 a..otte) v#..a$es )%r#n$ t1#s f#nan*#a. /ear. "%rt1er? t1#s fa*#.#t/ -a/ a.so <e
a..owe) to 5R,4(/ Pens#on <enef#*#ar#es *ons#)er#n$ t1e#r re2%#re-ent an) re*e#va<.es on
a**o%nt of 5R,4( wa$es/ Pens#on a-o%nt.

CONTINUATION OF +53F INTEREST SUB7ENTION SCHEME AND .F ADDITIONAL INCENTI7E
SUB7ENTION FOR SHORT-TERM CROP LOANS IN .-+--++
;I< 0n p%rs%an*e of t1e anno%n*e-ent -a)e </ Ln#on "#nan*e 8#n#ster #n 1#s <%)$et spee*1
for ".3 2010:11? t1e Reserve Bank of 0n)#a v#)e *#r*%.ar no RPC&. 5o.


PL!".BC.18/05.04.02/2010:11 )ate) 0'.09.2010 1as #ss%e) #nstr%*t#ons for *ont#n%at#on of
t1e s*1e-e for t1e "#nan*#a. 3ear 2010:11 as %n)erA

1) 4overn-ent w#.. prov#)e #nterest s%<vent#on of 1.5% p.a. to Bank #n respe*t of s1ort:
ter- pro)%*t#on *re)#t %pto Rs. .a*s prov#)e) to far-ers.
2) 61#s a-o%nt of s%<vent#on w#.. <e *a.*%.ate) on t1e *rop .oan a-o%nt fro- t1e )ate of
#ts )#s<%rse-ent/)rawa. %p to t1e )ate of a*t%a. repa/-ent of *rop .oan </ t1e far-er
or %pto t1e )%e )ate of t1e .oan f#De) for t1e repa/-ent of t1e .oan? w1#*1ever #s
ear.#er? s%<Ee*t to a -aD#-%- per#o) of one /ear.
) 61#s s%<vent#on w#.. <e ava#.a<.e to Banks on *on)#t#on t1at t1e/ -ake ava#.a<.e s1ort:
ter- pro)%*t#on *re)#t %p to M .ak1 at $ro%n) .eve. at 7% p.a.

(s s%*1 a.. t1e f#e.) f%n*t#onar#es are a)v#se) as %n)erA
1) !1ort:ter- *rop pro)%*t#on *re)#t w#t1 pr#n*#pa. a-o%nt )#s<%rse) %pto M .a*s )%r#n$
t1e /ear 2010:11 w#.. <e *1ar$e) #nterest W 7% p.a. K1#.e 1.5% #nterest s%<vent#on w#..
<e *.a#-e) fro- RB0? rest of t1e )#fferen*e w#.. <e <orne </ t1e Bank.
2) 61#s a-o%nt of s%<vent#on w#.. <e *a.*%.ate) on t1e a-o%nt of t1e *rop .oan )#s<%rse)
fro- t1e )ate of )#s<%rse-ent %p to t1e a*t%a. )ate of repa/-ent or %p to t1e )%e
)ate? -aD#-%- one /ear w1#*1ever #s ear.#er.
) 61e s*1e-e #s app.#*a<.e for fres1 .oans an) a.so for )#s<%rsa.s -a)e for eD#st#n$ *rop
.oans.
4) ,ven #n t1ose *ases w1ere san*t#one) .#-#t #s -ore t1an M .a*s? s%<vent#on s1a.. <e
a..owe) on ava#.-ent %pto M .a*s (pr#n*#pa. a-o%nt) an) ava#.-ent over an) a<ove M
.a*s s1a.. attra*t nor-a. rate of #nterest an) s1a.. not <e e.#$#<.e for s%<vent#on.
5) 1.5 % #nterest s%<vent#on *.a#-s w#.. <e s%<-#tte) on )a%(->&ar%> Aa$$ as at !epte-<er
0? 2010 an) 8ar*1 1? 2011 w#t1#n 15 )a/s of t1e respe*t#ve )ates. 61e for-at for t1e
p%rpose #s en*.ose).
') (n/ re-a#n#n$ *.a#- perta#n#n$ to t1e )#s<%rse-ent -a)e )%r#n$ t1e /ear 2010:11 an)
not #n*.%)e) #n t1e *.a#- for 8ar*1 1?2011? -a/ <e *onso.#)ate) separate./ an)
-arke) as an F())#t#ona. C.a#-H an) s%<-#tte) .atest </ (pr#. 0? 2012? )%./ a%)#te) </
stat%tor/ a%)#tors *ert#f/#n$ t1e *orre*tness.
7) Bran*1es w#.. s%<-#t t1e *.a#- to respe*t#ve Re$#ona. +ff#*e #n "or-at 0 (() w1#.e
Re$#ona. +ff#*es w#.. s%<-#t t1e *onso.#)ate) *.a#- to R&=P!? >ea) +ff#*e #n "or-at 0.

;II< "%rt1er? t1e >on9<.e "#nan*e 8#n#ster? #n 1#s B%)$et !pee*1 (para$rap1 52) for 2010:2011 1a)
anno%n*e) as fo..owsA
In the last budget, I had provided an additional one percent interest subvention as an incentive
to those farmers who repay their short-term crop loans as per schedule. I propose to raise this
subvention for timely repayment of crop loans from one percent to two percent for !"!-"".
#hus the effective rate of interest for such farmers will now be five percent per annum.$
0n p%rs%an*e of t1#s anno%n*e-ent? RB0 1as a)v#se) as %n)erA
1) 4overn-ent w#.. prov#)e a))#t#ona. #nterest s%<vent#on of 2% p.a. to Banks #n respe*t of t1ose
pro-pt pa/#n$ far-ers w1o repa/ t1e#r s1ort:ter- pro)%*t#on *re)#t w#t1#n one /ear of
)#s<%rse-ent/)rawa. of s%*1 .oans.
2) 61#s s%<vent#on w#.. <e ava#.a<.e to s%*1 far-ers on s1ort:ter- pro)%*t#on *re)#t ava#.e) </
t1e- )%r#n$ t1e /ear for a -aD#-%- a-o%nt of M .a*s.
) 61e a-o%nt of a))#t#ona. s%<vent#on w#.. <e *a.*%.ate) fro- t1e )ate of )#s<%rse-ent
/)rawa. of t1e *rop .oan %p to t1e a*t%a. )ate of repa/-ent </ far-er or %p to t1e )%e )ate
for repa/-ent of *rop .oan s%<Ee*t to a -aD#-%- per#o) of one /ear fro- t1e )ate of
)#s<%rse-ent per far-er a**o%nt.
4) 61#s s%<vent#on w#.. <e ava#.a<.e to Banks on t1e *on)#t#on t1at t1e effe*t#ve #nterest rate
*1ar$e) to t1e pro-pt pa/#n$ far-ers #s 5% p.a. %p to M .a*s



I5T Pro"'#t$ o( o'r Bank
ATM S&rB#&$
(s on 0/04/2012 we 1ave 1"64 (68s an) as on 1/0/2012 we 1ave 1270 (68s
+ns#te (68s C 9'? +ffs#te (68s C 2? 8o<#.e (68s C 7.
Ke 1ave entere) #nto (68 !1ar#n$ a$ree-ents w#t1 @0!( an) 5"! (5at#ona. "#nan*#a.
!w#t*1) t1ere</ ena<.#n$ o%r *%sto-ers to a**ess an/ of t1e (68s <e.on$#n$ to ot1er Banks
%n)er t1ese *onsort#%-s.
+%r Bank 1as a.so #ntro)%*e) B#o:-etr#* t1ree (68s
B#o C 8etr#* (68s are ena<.e) w#t1 *ar) 1o.)er? a..ow#n$ t1%-< pr#nt a%t1ent#*at#on.
,.#-#nate t1e nee) for P05 entr/.
(68s ena<.e *as1 w#t1)rawa.s? <a.an*e #n2%#r/? -o<#.e top:%p? -#n# state-ent? C1e2%e
stat%s en2%#r/? !top Pa/-ent? 8o<#.e Bank#n$ Re$#strat#on fa*#.#t#es? &epos#t of *as1 #s a.so
)one at se.e*te) (68s. P05 *1an$e? +n.#ne pa/-ent for taD? L#-#t en1an*e-ent(P+! to (68
or (68 to P+!) *%sto-er *an re$#ster 1#s/1er re2%est t1ro%$1 (68 for "%.. .#-#t.
!8! (.ert !erv#*es (*t#vat#on = !8! (.ert 8o<#.e 5%-<er 8o)#f#*at#on
I-PB2-21('(I)1 )3 3'CIBI(7 )3 I1C)-2 ('N P'7-21( (A8)UA '(-s on
@5 'pril "@11 5 (he C!stomers desiro!s of availing the facilit* #ill have to visit the
branch$ #here the* have the acco!nt$ to complete onetime registration process b*
s!bmitting prescribed application form and cop* of P'1 Card. (he 8egistration
'pplication form and cop* of P'1 card s!bmitted b* the c!stomer are to be 0ept in
Branch records for '!dit p!rposes. (he limit for maxim!m permissible amo!nt is 8s.
1.@@ lac per da*. (he Ban0 #ill earn fee income O .4<= per s!ccessf!l transaction.

+%r Bank #s present./ offer#n$ fo..ow#n$ t/pes of (68 *ar)s to o%r *%sto-ersA
5 ATM Car" I Ca$) on%> Car"
61#s t/pe of *ar)s *an on./ <e %se) at (68s for Cas1 w#t1)rawa..
5 ATM #'m D&At Car" I PROTON Int&rnatona% Car"
0t *an <e %se) <ot1 at Po#nt of !a.e (P+!) ter-#na.s an) (68s.
0t #s a $.o<a. *ar) an) #s a**epte) a*ross t1e $.o<e at (68s or P+! w#t1 7@0!(9 .o$o.
(.. !av#n$s Bank an) C%rrent (**o%nt 1o.)ers #n #n)#v#)%a. *ate$or/ are offere) o%r
0nternat#ona. )e<#t Car).
5 ATM #ar" (or S#)oo%,Co%%&!& St'"&nt$ I Ca$)mat& Car"
61#s *ar) #s #ss%e) #n t1e !B F@#)/art1#H !*1e-e (Co)e !B 217)
61#s Car) a.so offers over)raft fa*#.#t/ %p to `1500/: to t1e Car) 1o.)er st%)ents to -eet
t1e#r e-er$en*/? %nforeseen eDpenses .#ke Books? !tat#onar/ et*.
61#s *ar) #s an (68 *%- )e<#t *ar). 0t #s @0!( #nternat#ona. Car).
B5 ATM #ar" (or Farm&r$ I Or&nta% 6r&&n Car"
61#s *ar) #s an (68 *%- )e<#t *ar).
61#s #s #ss%e) #n t1e (/*9s %n)er 4reen Cre)#t Car) (4CC) !*1e-e an) +r#enta. 4reen
Car) (+4C) !*1e-e #.e. +&511 an) CC404.

Int&rAank ATM U$a!& Fa#%t>
(s of now? o%r Bank9s *ar) 1o.)ers *an perfor- Cas1 K#t1)rawa. an) Ba.an*e 0n2%#r/ on t1e (68s
of -e-<er <anks of (68 s1ar#n$ *onsort#%-s v#;. @0!( an) 5"!. !#-#.ar./ t1e *ar)s of ot1er
-e-<er <anks %n)er t1ese *onsort#%-s are a**epte) on a.. o%r (68s an) t1e/ *an perfor- Cas1
K#t1)rawa. an) Ba.an*e 0n2%#r/ operat#ons.
AT. $har*es
S.No. Particulars Fee / Charges (in
Rupees) 01.07.2011
1 Annual Fees for Primary Card and Add-on cards for regular International
Debit Card
Ist Year free of charge and
100/- + er!ice "a# from
$
nd
year on%ards
$ Annual Fees for Primary Card and Add-on cards for regular International
A"& 'nly Card
Ist Year free of charge and
100/- + er!ice "a# from
$
nd
year on%ards
( )e*lacement of +ost Card 1,0/-


- )egeneration of PI. ,0/-
hared .et%or/s , Transaction charges at ATs !"C
ATs
#$SA NFS
Cash %ithdra%al charges-I.DIA
u* to , transactions 0financial + non financial1 in a calendar month2
.I+ .I+ .I+
Financial .I+ $0/- $0/-
3
th
transaction on%ard in a
calendar month
.on- Financial .I+ 4/- 4/-
Cash %ith&ra%al charges'(SA N.A )0/' N.A.
Cash %ithdra%al charges--'ther Countries .2A 1$0/- .2A2
,21

,2$ 5alance 6n7uiry Charges -I.DIA .I+ .I+ .I+
,2( 5alance 6n7uiry Charges -'ther Countries .A 1,/- .A
,2- Declined "ransactions .I+ 1,/- .I+
,2- Currency Con!ersion Charges for all international transactions .2A 18 .2A2
,2, "ransactions at Petrol Pum*s and )ail%ay )eser!ation Counters as *er
hared .et%or/ )egulations
.2A er!ice
Charges 9
$2,8 of
transaction
!alue or 10/-
%hiche!er is
higher
.2A2
,23 Charge li* )etrie!al charges .I+ As *er :IA As *er
.F

Da%> Tran$a#ton LmtA
#. 6ota. )a#./ *as1 w#t1)rawa. .#-#t fro- an a**o%nt : `25000/:
##. ( *%sto-er *an w#t1)raw %pto `25000/: #n a )a/ fro- o%r Bank (68.
###. ( *%sto-er *an w#t1)raw %pto `10000/: #n a )a/ fro- ot1er Bank9s (68.
#v. ( *%sto-er *an p%r*1ase %pto `25000/: #n a )a/ at P+! t1ro%$1 o%r (68 *%- &e<#t *ar).

Not&A Po#nt of !a.es (P+!) ter-#na.s are )ep.o/e)/#nsta..e) at 8er*1ant ,sta<.#s1-ents (8,) #.e.
s1ops? petro. p%-ps et*. "or -ak#n$ an/ pa/-ent )e<#t *ar) #s sw#pe) on t1ese ter-#na.s an) t1e
a-o%nt #s entere)? t1e transa*t#on #s pro*esse) an) t1e *%sto-er9s pr#-ar/ a**o%nt .#nke) w#t1
t1e Proton *ar) #s )e<#te) on.#ne.

E%!A%t> Crt&ra
(n/ *%sto-er 1av#n$ a !av#n$s Bank / C%rrent (**o%nt / +ver &raft (/* #n 1#s / 1er #n)#v#)%a.
*apa*#t/ an) not #n t1e representat#ve *apa*#t/? !taff +& a**o%nts. 61e re2%est for (68 *ar) #s
$#ven t1ro%$1 &CR,X opt#on #n "#na*.e.
#. Car) *an <e #ss%e) to a *%sto-er prov#)e) 1#s/1er a$e #s 14 /ears or -ore an) 1e/s1e #s a
.#terate an) not <.#n). "o..ow#n$ *%sto-ers are not e.#$#<.e for #ss%an*e of (68 / &e<#t Car)A
a. C%sto-ers <e.ow 14 /ears of a$e
<. 0..#terate
*. 0nso.vent
). B.#n) persons
e. Persons operat#n$ a**o%nts #n representat#ve *apa*#t/
##. 5o -#n#-%- )epos#t/<a.an*e #n !B a**o%nt for t1e Car)s #s re2%#re) for #ss%an*e of *ar)s?
t1o%$1 t1e -#n#-%- <a.an*e nor-s pres*r#<e) as per eD#st#n$ $%#)e.#nes app.#*a<.e to t1ese
a**o%nt w#.. *ont#n%e to <e #n for*e.
###. 0ss%e of Car)s #n Eo#nt a**o%nts of t1e #n)#v#)%a.s 1av#n$ operat#ona. *.a%se as 7+perat#on
Jo#nt./I #s not per-#tte).
#v. 0ss%e of Car)s #s per-#tte) #n Eo#nt a**o%nts of #n)#v#)%a.s prov#)e) t1e app.#*ant 1as an
a%t1or#t/ to operate t1e a**o%nt s#n$./ (, or !). >owever? a.. t1e Eo#nt a**o%nt 1o.)ers s1o%.)
a%t1or#;e t1e app.#*ant to ava#. t1e fa*#.#t/ </ *o%nter s#$n#n$ t1e app.#*at#on.


v. 61e Car)s w#.. a.so <e #ss%e) to 5R0 *%sto-ers #n t1e#r 5R, a**o%nts. Cas1 )epos#te) </ 5R0
*%sto-ers #n t1e (68s w#.. <e *re)#te) to t1e#r a**o%nts as per RB0/ ",8( $%#)e.#nes #ss%e)
fro- t#-e to t#-e.

Ma@m'm p&ro" o( #)ar!&Aa#k r&$o%'tonD Wt)n 1 Da>$5
(s per RBI notification DP??.PD.1o."5+" < @".1@.@@" < "@1@="@11 dated -a* "6$ "@11
has informed for an/ fa#.%re to re:*re)#t t1e *%sto-ers a**o%nt w#t1#n 7 work#n$ )a/s fro-
t1e )ate of re*e#pt of t1e *o-p.a#nt? t1e <ank s1a.. pa/ *o-pensat#on of `100/:? per )a/? to
t1e a$$r#eve) *%sto-er. 61#s *o-pensat#on s1a.. <e *re)#te) to t1e *%sto-er9s a**o%nt
a%to-at#*a../ w#t1o%t an/ *.a#- fro- t1e *%sto-er? on t1e sa-e )a/ w1en t1e <ank affor)s
t1e *re)#t for t1e fa#.e) (68 transa*t#on.
ATM-#'m-D&At #ar"$ #an a%$o A& '$&" (or #on"'#tn! on%n& tran$a#ton$ ?5&5(
+-,++,.-+-- @B@ re$#strat#on #s re2%#re an) )BC Debit Card sho!ld have CMM val!es. )BC
Debit Card is enabled for P)? i.e. sho!ld be f!ll limit in Ideas

1anch of SBI57riental Ban# of $ommerce $o5branded $redit $ard 5 Ban0 has entered
into an -)U #ith ?BI Cards and Pa*ments ?ervices Private Bimited (?BICP?B) on
1..@:."@11 for iss!ing Co=branded Credit Cards to o!r emplo*ees and c!stomers.
(here #ill be t#o t*pes of Credit Cards to be iss!ed (i) ?BI=)riental Ban0 of Commerce old
K -ore J ?aving Ban0 '<c balance for 5 month P "@$@@@ and salar* a<c balance for + month
P "@$@@@ (ii) ?BI=)riental Ban0 of Commerce Platin!m ==?aving Ban0 '<c balance for 5
month 8s. 1$@@$@@@ and salar* a<c balance for + month 8s. +@$@@@.

(he cards shall be iss!ed in t#o variants as !nder 1.?ec!red ".Unsec!red
?ec!red Cards shall be iss!ed against the lien mar0ed on the (erm Deposit of the
c!stomer. Unsec!red Cards shall be iss!ed #itho!t an* sec!rit*.
0ote=
1. (he 2mail Id 7B$;SBI$A"D>G!;$7. needs to be referred onl* b* the Branch -anagers K
)riental Ban0 of Commerce officials.
". (he 2mail Id feedbac0.gesbiOge.com for the ?BI= )riental Ban0 of Commerce c!stomers to
resolve the ,!er*< problems.

Int&rn&t Bankn! S&rB#&$
0nternet Bank#n$ ena<.es a *%sto-er to perfor- <as#* <ank#n$ transa*t#ons t1ro%$1 0nternet fro-
an/w1ere #n t1e $.o<e. C%sto-ers s1o%.) %se 0nternet ,Dp.orer vers#on 5.0 or .ater vers#on for
a**ess#n$ 0Bank#n$.

+%r Bank #s offer#n$ two t/pes of 0nternet Bank#n$A
R&ta% Int&rn&t Bankn! ;)ttp$D,,???5oA#on%n&5#o5n<A "or #n)#v#)%a. *%sto-ers. 61e
*%sto-er *an opt for e#t1er ,n2%#r/ on./ fa*#.#t/ or 6ransa*t#on fa*#.#t/. 0t *an <e offere) to
an/ !av#n$/C%rrent/CC/+& a**o%nt 1o.)ers. +n./ X%er/ <ase) fa*#.#t#es s1a.. <e prov#)e) to
Eo#nt./ operate) a**o%nts. 6ransa*t#on fa*#.#t/ s1a.. not <e prov#)e) for s%*1 a**o%nts.
Corporat& Int&rn&t Bankn! ;)ttp$D,,???5oA#on%n&5#o5n,#orp<D "or #nst#t%t#ona.
C%sto-ers/ B#$ Corporates5 61#s 1as feat%res .#ke 8ass %p.oa) of !a.ar/? +n.#ne R64! = 5,"6?
+n.#ne tra)e f#nan*e re2%ests C re2%est for LC open#n$? B4 #ss%e? B#.. .o)$-ent et*? "eat%re
of 8aker/C1e*ker? "eat%re of Ro.e )ef#n#t#on? "eat%re of a)E%st#n$/)ef#n#n$ var#o%s .#-#ts </
*orporate a)-#n#strator #tse.f et*.

!o-e of t1e fa*#.#t#es #n 0Bank#n$ areA
A##o'nt$ R&%at&" Op&raton$D
+n.#ne Ba.an*e 0n2%#r/? @#ew transa*t#ons? !tate-ent of (**o%nt C "or a $#ven per#o)?
C1e2%e !tat%s 0n2%#r/? C.ear#n$ 0nstr%-ents 0n2%#r/? !top Pa/-ent of C1e2%es et*.
F'n" Tran$(&r Op&raton$D


"%n)s 6ransfer to own a**o%nts? 0ntra Bank "%n) 6ransfer (to ot1er a**o%nts #n o%r Bank)?
0nter Bank "%n) 6ransfer (6o a**o%nts of ot1er <anks t1ro%$1 5,"6).
Pa>m&nt$D
,Dterna. Pa/-ents .#ke L0C of 0n)#a for Pre-#%- Pa/-ents? 0RC6C for Ra#.wa/ Reservat#on? &B
(0ntt) !to*k Brokers Lt) an) !1arek1an for "%n)s 6ransfer "a*#.#t/ for !1ares P%r*1ases?
Pa/-ent of 6e.ep1one / 8o<#.e / ,.e*tr#*#t/ <#..s et*.
Pa/-ent of &#re*t 6aDes (,:taD fa*#.#t/) an) 0n)#re*t 6aDes (Centra. ,D*#se 6aD an) !erv#*e
6aD)
On%n& S)ar& Tra"n! n Co%%aAoraton ?t) IDBI Bank5
ASBA - is an a!!lication %or su2scri2in4 to an issue 9'PO/+i4-t issue: an$ t-e ne7 initiati#e o%
S=/' %or t-e 7el%are o% 'n#estorsC containin4 an aut-orisation to 2loc3 t-e a!!lication mone" in
a 2an3 account maintaine$ 7it- Sel% Certi%ie$ S"n$icate /an3 (SCSB).

r)
Part/ 6ransfer .#-#t C per transa*t#on .#-#t 50000/: an) per )a/ f%n) transfer .#-#t #s2.00
.ak1.
(s per t1e *#r*%.ar A)<DI(< 1" <"@1@="@11<.49 dt @1.1@."@1@ Implementation of
additional ?ec!rit* 3eat!re for +
rd
Part* 3!nd (ransfer ((rac0er ID).
(he c!stomer can ma0e can ma0e online pa*ment for M'( and Central ?ales (ax for ovt. of
-aharashtra.
the 1etBan0ing c!stomers shall be able to ma0e Boan 2-I pa*ment to their o#n
'cco!nt as #ell as to +
rd
Part* Boan 'cco!nt !sing E(ransfers QQ (hird Part* (ransfers
#ithin Ban0F )ption

MoA%& Bankn! - OBC mPa>
61e ever eDpan)#n$ network of 8o<#.e P1one %sers? w1#*1 1as *rosse) t1e '00 -#..#on -ark? 1as
opene) %p new v#stas for t1e Bank to eDpan) t1e Bank#n$ !erv#*es t1ro%$1 t1e *1anne. of 8o<#.e
P1ones. +%r Bank 1ave ro..e) o%t t1e .atest 06 ena<.e) serv#*es na-e) FOBCmPA8H for t1e
*%sto-ers of o%r Bank? w1#*1 *an <e ava#.e) </ t1e- %s#n$ t1e#r -o<#.e p1ones.

RBI 6'"&%n&$
RB0 1as *o-e %p w#t1 #ts $%#)e.#nes on &t. 20/10/2008 an) f%rt1er on 24/12/2009? so-e of
t1e #-portant $%#)e.#nes are $#ven <e.owA
61e serv#*es s1a.. <e restr#*te) on./ to *%sto-ers of <anks
61e $%#)e.#nes #ss%e) </ t1e Reserve Bank on ZGnow /o%r C%sto-ers (G3C)Z? H(nt# 8one/
.a%n)er#n$ ((8L)Z an) *o-<at#n$ t1e "#nan*#n$ of 6error#s- (C"6) fro- t#-e to t#-e
wo%.) <e app.#*a<.e to -o<#.e <ase) <ank#n$ serv#*es a.so.
C%sto-er *o-p.a#nts/$r#evan*es ar#s#n$ o%t of -o<#.e <ank#n$ fa*#.#t/ wo%.) <e *overe)
%n)er t1e Bank#n$ o-<%)s-an s*1e-e 200'(as a-en)e) %p to 8a/ 2007).
Banks are per-#tte) to offer t1#s serv#*e to t1e#r *%sto-ers s%<Ee*t to a )a#./ *ap of
`50?000/: per *%sto-er for a.. t/pes of transa*t#ons s%--e) to$et1er.
F&at'r&$ an" F'n#ton$ o( IMPS S&rB#&$ : facilit* enables instant Inter Ban0 f!nd
transfer and credit to beneficiar*&s acco!nt ro!nd the cloc0 on all da*s. Immediate
confirmation of receipt b* the beneficiar* thro!gh ?-? and to 8emitter thro!gh
screen displa* on his -obile and also thro!gh ?-?.

Pr&r&J'$t&D (n/ C%sto-er of Bank 1av#n$ Java ena<.e) 8o<#.e p1one #rrespe*t#ve of t1e 8o<#.e
!erv#*e Prov#)er *an ava#. t1#s serv#*e.

S&rB#&$ o((&r&" t)ro'!) Or&nta% Bank$ MoA%& Bankn! S&rB#&$
R 'cco!nt Balance 2n,!ir*
R -ini 'cco!nt ?tatement
R Intra Ban0 3!nd (ransfer (#ithin )BC both -obile to -obile and -obile toc!stomers
acco!nt)
R Inter Ban0 3!nd (ransfer thro!gh 123( platform
R '(- Bocator
R Branch Bocator



R&!$tratonD 61e *%sto-ers *an ava#. +BC-P(3 serv#*es </ re$#ster#n$ t1ro%$1 (68 or </ v#s#t#n$
t1e Bran*1. 0n *ase t1e *%sto-er s%<-#ts t1e app.#*at#on at t1e <ran*1? t1e re2%est #s to <e
entere) %s#n$ MOBN9RP -en% opt#on #n "#na*.e.

Te$e Ban6in' S9stem: 's per the cir JA)<DI(<1:<"@1@=11<4:5 dt @:<1"<1@ has been decided
to discontin!e (eleBan0ing service #ith effect from 1
st
Gan!ar* "@11.(he f!nctionalit* in
3inacle for accepting (eleBan0ing registration re,!ests has been disabled.

SMS A%&rt$D 61e Bank9s !8! (.ert !erv#*es are *apa<.e of ena<.#n$ *%sto-ers an) for t1ose (.erts
as se.e*te) </ t1e-. (n/ C%sto-er of Bank 1av#n$ 8o<#.e p1one #rrespe*t#ve of t1e 8o<#.e
!erv#*e Prov#)er v#;. (#rte.? 865L? @o)ap1one? @!5L? 0)ea? Re.#an*e et*.? *an ava#. t1#s serv#*e.

's per the A)$ DI( circ!lar no. A)<DI(<"5<"@@:="@1@<5:: dated "4th Gan!ar* "@11 on
%8evision of -inim!m (ransaction Bimits for sending ?-? 'lerts&

Transaction type $redit8 Debit .inimm Amont for
which S.S alert is sent
1 (ransactions !sing '(-
or Debit Card
Debit 1o minim!m amo!nt$ alert to
be sent for all transactions
" )ther transactions
(1on=Card based)
Debit "@@@<=
+ )ther transactions Credit 4@@@<

W&%#om& 9t$D K#t1 a v#ew to #-prove t1e *%sto-er serv#*es at <ran*1es? Bank 1as #-p.e-ente)
t1e pro*ess of prov#)#n$ Ke.*o-e G#t to t1e *%sto-ers at t1e t#-e of (**o%nt open#n$. 61ese k#ts
are "'%> %nk&" ?t) #&ntra%%> pr&-op&n&" a##o'nt$5

R&a"> 9t$D 5ew vers#on of Ke.*o-e G#ts w1#*1 are rea)/ to %se for &@$tn! a$ ?&%% a$ n&?
a##o'nt$5 61ese k#ts )o not re2%#re pre:opene) a**o%nts a.so an) *an <e eas#./ .#nke) w#t1 t1e
*%sto-ers9 a**o%nts t1ro%$1 DCREP.

R&a% Tm& 6ro$$ S&tt%&m&nt ;RT6S<
R64! s/ste- #s a f%n)s transfer -e*1an#s- w1ere transfer of -one/ takes p.a*e fro- one <ank
to anot1er on a Frea. t#-eH an) on F$rossH <as#s. R64! #s a !/ste-#*a../ 0-portant Pa/-ent
(!0P).61#s #s t1e fastest poss#<.e -one/ transfer s/ste- t1ro%$1 t1e <ank#n$ *1anne.. !ett.e-ent
#n Frea. t#-eH -eans pa/-ent transa*t#on #s not s%<Ee*te) to an/ wa#t#n$ per#o). 61e
transa*t#ons are sett.e) as soon as t1e/ are pro*esse). F4ross sett.e-entH -eans t1e transa*t#on
#s sett.e) on one to one <as#s w#t1o%t <%n*1#n$ w#t1 an/ ot1er transa*t#on. R64! #s %se) for <ot1
*%sto-er transa*t#ons an) 0nter Bank 6ransa*t#ons. 61e +perat#n$ sess#on for R64! 6ransa*t#ons
at Bran*1es #s $#ven 1ere%n)erA
C'$tom&r Tran$a#ton ;R2+) 8on)a/ to "r#)a/ C 09A00 1rs to 18A00 1rs
!at%r)a/ C 09.00 1rs to 12.00 noon
Int&r-Bank Tran$a#ton ;R2.< 8on)a/ to "r#)a/ C 09A00 1rs to 18A00 1rs
!at%r)a/ C 09A00 1rs to 14A00 1rs
T)$ #'t-o(( tm& $ (or t)& m&$$a!&$ to r&a#) at RBI &n"5

0f t1e transa*t#on fa#.s or $ets reEe*te) for an/ reason? t1e a-o%nt w#.. <e *re)#te) <a*k to t1e
a**o%nt fro- w1#*1 t1e transa*t#on was -a)e. (.. R64! transa*t#ons are #rrevo*a<.e on*e t1e
a**o%nt #s )e<#te) an) t1e Bank eDe*%tes transa*t#on. (n/ revo*at#on? after t1e pa/-ent or)er #s
eDe*%te) </ t1e <ank? s1a.. not <e <#n)#n$ on t1e Bank #n t1e R64! s/ste-.

Tran$a#ton Amo'ntD 61e -#n#-%- a-o%nt to <e re-#tte) t1ro%$1 R64! #s `2 .ak1. 61ere #s no
%pper *e#.#n$ for R64!. 61ere #s no .#-#t on t1e n%-<er of transa*t#ons per )a/ per C%sto-er.
C)ar!&$A "or +%t$o#n$ 6ransa*t#ons fro- `2 to 5 .a*s? `25/: per transa*t#on #s .ev#e) an) for
transa*t#on a<ove `5 La*s? `50/: per transa*t#on #s .ev#e). 0nwar) transa*t#ons are free.



Natona% E%&#tron# F'n" Tran$(&r ;NEFT<
5at#ona. ,.e*tron#* "%n)s 6ransfer (5,"6) s/ste- #s a nat#on w#)e f%n)s transfer s/ste- to
fa*#.#tate transfer of f%n)s fro- an/ <ank <ran*1 to an/ ot1er <ank <ran*1. RB0 #nten)s t1at 1#$1
va.%e transa*t#ons s1o%.) <e ro%te) t1ro%$1 R64! an) s-a.. a-o%nt transa*t#ons s1o%.) <e
ro%te) t1ro%$1 5,"6. 5,"6 #s on./ for f%n) transfer on <e1a.f of t1e *%sto-ers. 5,"6 works on
)eferre) net sett.e-ent (&5!) <as#s w1#*1 sett.es transa*t#ons #n <at*1es. 0n &5!? t1e sett.e-ent
takes p.a*e at a part#*%.ar po#nt of t#-e. (.. transa*t#ons are 1e.) %p t#.. t1at t#-e. (n/
transa*t#on #n#t#ate) after a )es#$nate) sett.e-ent t#-e wo%.) 1ave to wa#t t#.. t1e neDt
)es#$nate) sett.e-ent t#-e.
Ban0s are advised to facilitate cash remittance thro!gh 123( !pto ` 4@$@@@<= for
persons #ho are not having acco!nt in the originating Ban0

5o -#n#-%- *e#.#n$ for transa*t#on a-o%nt. "or 0n)o:5epa. re-#ttan*e a-o%nt %pto `50?000/:
*an <e re-#tte) (Cas1/6ransfer). ( person *an sen) f%n) -aD#-%- 12 t#-es #n a /ear.

Bat#) Tmn!$D ,.even 1o%r./ sett.e-ents are *arr#e) o%t )%r#n$ t1e )a/ </ RB0? start#n$ fro-
9A00(8 to 7A00P8 on a.. week )a/s an) f#ve 1o%r./ sett.e-ents fro- 9A00 (8 to 1A00 P8 on
!at%r)a/s. 61e -essa$es sent <efore t1e a<ove <at*1 t#-#n$s s1a.. <e #n*.%)e) #n t1e respe*t#ve
sett.e-ents ot1erw#se t1e/ s1a.. <e #n*.%)e) #n t1e neDt <at*1/)a/.
C)ar!&$A "or +%t$o#n$ 6ransa*t#ons %pto Rs.1 .a* 50L? Rs 1 .a* to 2 .a* Rs:10/: per transa*t#on
an) a<ove Rs. 2 La*? Rs.25/: per transa*t#on #s .ev#e). 0nwar) transa*t#ons are free.

Not&D
RT6S an" NEFT #s entere) #n "#na*.e %s#n$ t1e Co--an) HEPS5 &eta#.e) $%#)e.#nes an)
a**o%nt#n$ Pro*e)%re #s ava#.a<.e on t1e Bank9s eC#r*%.ar s#te
1ttpA//172.1'.200.10/o<*we</.

In"an Fnan#a% S>$t&m Co"& ;IFSC< #s an a.p1a n%-er#* *o)e )es#$ne) to %n#2%e./ #)ent#f/
t1e <ank:<ran*1es #n 0n)#a. 61#s #s 11 )#$#t *o)e w#t1 f#rst 4 *1ara*ters represent#n$ t1e <anks
*o)e? t1e neDt *1ara*ter reserve) as *ontro. *1ara*ter (Present./ 0 appears #n t1e f#ft1
pos#t#on) an) re-a#n#n$ ' *1ara*ters to #)ent#f/ t1e <ran*1.

o!r circ!lar 1o. A)<DI(<+4<"@@9="@@:<495 dated @:.@"."@@: #herein it #as informed that all
offices to ens!re that all pa*ments made b* Ban0 to vendors$ service providers and all external
agencies vi;. (ax a!thorit* < Utilit* Pa*ments etc. are invariabl* made thro!gh electronic
modes.

E%&#tron# C%&arn! S>$t&m ;ECS<D 0t #s a -o)e of e.e*tron#* f%n)s transfer fro- one <ank
a**o%nt to anot1er <ank a**o%nt %s#n$ t1e serv#*es of a C.ear#n$ >o%se. 61#s #s nor-a../ for <%.k
transfers fro- one a**o%nt to -an/ a**o%nts or v#*e:versa. 61#s *an <e %se) <ot1 for -ak#n$
pa/-ents .#ke )#str#<%t#on of )#v#)en)? #nterest? sa.ar/? pens#on? et*. </ #nst#t%t#ons or for
*o..e*t#on of a-o%nts for p%rposes s%*1 as pa/-ents to %t#.#t/ *o-pan#es .#ke te.ep1one?
e.e*tr#*#t/? or *1ar$es s%*1 as 1o%se taD? water taD? et* or for .oan #nsta..-ents of f#nan*#a.
#nst#t%t#ons/<anks or re$%.ar #nvest-ents of persons. 0t e.#-#nates )e.a/s )%e to posta. / *.ear#n$
as t1e a-o%nt $ets )#re*t./ *re)#te) to t1e respe*t#ve *%sto-ers a**o%nt.

61ere are two t/pes of ,C! *a..e) ECS ;Cr&"t< an) ECS ;D&At<5 ,C! (Cre)#t) #s %se) for affor)#n$
*re)#t to a .ar$e n%-<er of <enef#*#ar#es </ ra#s#n$ a s#n$.e )e<#t to an a**o%nt? s%*1 as )#v#)en)?
#nterest or sa.ar/ pa/-ent. ,C! (&e<#t) #s %se) for ra#s#n$ )e<#ts to a n%-<er of a**o%nts of
*ons%-ers/ a**o%nt 1o.)ers for *re)#t#n$ a part#*%.ar #nst#t%t#on. C%sto-ers are re2%#re) to f#..
%p t1e pres*r#<e) for- (5o. ,:1) #n)#*at#n$ *1o#*es of per#o)#*#t/ of s%*1 pa/-ent an) eDpe*te)
n%-<er of *re)#t an) a$$re$ate a-o%nt. &eta#.e) pro*e)%re #s $#ven #n C.ear#n$ +perat#ons
C1apter.

An> Bran#) Bankn! ;ABB<
(BB ena<.es t1e *%sto-ers to a**ess 1#s a**o%nt fro- an/ of o%r Bran*1es fro- an/ w1ere #n
0n)#a. C%sto-er *an )epos#t *as1 / *1e2%e a*ross a.. t1e CB! <ran*1es an) *an operate 1#s/ 1er


a**o%nt fro- an/ of CB! <ran*1. 8%.t#*#t/ as we.. as 5or-a. C1e2%e <ooks *an <e %se) for
*on)%*t#n$ (BB transa*t#ons. !%*1 *1e2%es are pa/a<.e at an/ of o%r <ran*1es. 0t #s not on./
*onven#ent for t1e *%sto-ers <%t a.so saves on t#-e an) transa*t#on *ost.

0t 1as <een approve) </ t1e <ank t1at no ABB #)ar!&$, no %mt on )epos#t of *as1 (s%<Ee*t to
*o-p.#an*e of a.. r%.es for )epos#t of *as1) </ *%sto-ers at non <ase <ran*1 for *re)#t to
Pro!r&$$B& D&po$t, 7araA%& Pro!r&$$B& D&po$t ;OBC Aa")ar< an" Loan a##o'nt$. 'BB
transactions at third branch (other than the Dra#ee and Pa*ee&s branch) for transfer entries are
permitted onl* !p to 8s 1.@@ Bac. Iss!ance of Demand Draft<Pa* )rder !nder an*#here ban0ing
(other than dra#ee branch) is permitted onl* !p to 8s 1.@@ Bac per Demand Draft.

W&$t&rn Unon Mon&> Tran$(&r
+%r Bank 1as a t#e %p w#t1 Kestern Ln#on 8one/ 6ransfer t1ro%$1 8/s Ke#;-ann "oreD Lt).
(K"L). Kestern Ln#on #s a safe? re.#a<.e? .e$a. an) *onven#ent wa/ of transferr#n$ an) re*e#v#n$
-one/ wor.) w#)e (#n 0n)#a we *an on./ re*e#ve #nwar) re-#ttan*e? as RB0 )oes not a..ow
o%twar) re-#ttan*e). 0t #s a .e$a. -et1o) of re*e#v#n$ -one/ #n 0n)#a as per RB0 $%#)e.#nes. 61e
Kestern Ln#on 8one/ 6ransfer s/ste- #s a 5et:<ase) s/ste-? w1#*1 prov#)es on .#ne #nfor-at#on
a<o%t an/ -one/ transfer affe*te) fro- overseas .o*at#on. 61e <enef#*#ar/ *an $et pa/-ent of
t1e re-#ttan*e after esta<.#s1#n$ t1e #)ent#t/ an) ot1er for-a.#t#es fro- an/ of t1e o%t.ets of
Kestern Ln#on.

On%n& Ta@ A##o'ntn! S>$t&m ;OLTAS<D +L6(! #s a serv#*e prov#)e) </ t1e <ank for a**eptan*e
of 0n*o-e 6aD an) ot1er )#re*t taDes on <e1a.f of 4overn-ent. 61e *%sto-ers #n*.%)#n$
Corporates? 0n)#v#)%a.s? Propr#etors1#p *on*erns? Partners1#p f#r-s? 6r%sts? C.%<? !o*#et/? et*.
*an pa/ t1e#r taD .#a<#.#t/ t1ro%$1 <ank9s +L6(! w#n)ow ava#.a<.e t1ro%$1 se.e*t <ran*1es a*ross
t1e *o%ntr/.

$ash "eceipt Printers: ($"P)( (A)LDI(LC8PL""L"@11="@1"L4:9) dt "9.11."@11) (he ban0
has implemented a rob!st reliable and efficient I( infrastr!ct!re #hich is being !tili;ed for
providing better c!stomer service$ it has been decided to provide %Cash 8eceipt Printers& for
printing of s*stem generated cash receipts as ac0no#ledgement for depositing of Cash b* the
C!stomers at Cash Co!nters of the branches.

Not&D
IDRBT I In$tt't& (or D&B&%opm&nt an" R&$&ar#) n Bankn! T&#)no%o!> was esta<.#s1e) </
t1e Reserve Bank of 0n)#a #n 199' as an (%tono-o%s Centre for &eve.op-ent an) Resear*1 #n
Bank#n$ 6e*1no.o$/.
INFINET I 0n)#an "#nan*#a. 5etwork
SFMS I !tr%*t%re) "#nan*#a. 8essa$#n$ !/ste-
In"an Fnan#a% S>$t&m Co"& ;IFSC< #s an a.p1a n%-er#* *o)e )es#$ne) to %n#2%e./ #)ent#f/
t1e <ank:<ran*1es #n 0n)#a. 61#s #s 11 )#$#t *o)e w#t1 f#rst 4 *1ara*ters represent#n$ t1e <anks
*o)e? t1e neDt *1ara*ter reserve) as *ontro. *1ara*ter (Present./ 0 appears #n t1e f#ft1
pos#t#on) an) re-a#n#n$ ' *1ara*ters to #)ent#f/ t1e <ran*1.
Natona% Pa>m&nt$ Corporaton o( In"a ;NPCI< - 0t #s t1e %-<re..a or$an#;at#on for Pa/-ent
!/ste-s. 61e 0B( Core 4ro%p 1as #n*orporate) t1e L-<re..a +r$an#;at#on as a !e*t#on 25
Co-pan/. 5at#ona. "#nan*#a. !w#t*1 (5"!) for (68 s1ar#n$ #s <e#n$ -a#nta#ne) </ 5PC0.
E%&#tron# A##o'ntn! S>$t&m n E@#$& an" S&rB#& Ta@ ;EASIEST< I !/ste- #n#t#ate) </
Centra. Boar) of ,D*#se an) C%sto-s (CB,C) to re*e#ve #nfor-at#on an) -a#nta#n re*or)s of
taD pa#) t1ro%$1 <anks t1ro%$1 on.#ne %p.oa) of *1a..an )eta#.s.

I5T S&#'rt>
61e p%rpose / o<Ee*t#ve of t1e 0nfor-at#on !e*%r#t/ Po.#*/ #s to prov#)e t1e <ank w#t1 a stan)ar)
#nfor-at#on se*%r#t/ fra-ework to a))ress an) -ana$e var#o%s se*%r#t/ r#sks to #nfor-at#on
assets an) 2%a.#t/ -a#ntenan*e.



61e -a#n o<Ee*t#ve of t1#s eDer*#se #s to ens%re t1at ea*1 an) ever/ %ser of t1e te*1no.o$/ e#t1er
fro- t1e <ran*1es / off#*es or )e.#ver/ *1anne.s $o t1ro%$1 appropr#ate .eve.s of a%t1or#;at#on
an) a%t1ent#*at#on to ens%re t1at t1e/ are *ate$or#;e) as se*%re) an) tr%ste) %sers.

B%s#ness $oa. of t1e 0nfor-at#on !e*%r#t/ Po.#*/ #s to prote*t reso%r*es an) assets fro- .oss.
Reso%r*es -a/ #n*.%)e C
n(ormatonA #n*.%)#n$ #nfor-at#on #n trans-#ss#on s%*1 as transa*t#ons? *#r*%.ars? e:-a#.s?
*onf#$%rat#on )ata? et*.
$&rB#&$A s/ste-s? app.#*at#ons
&J'pm&nt$A *o-p%ters? network#n$ *o-ponents
,a*1 reso%r*e 1as severa. assets t1at re2%#re prote*t#onA
#on("&nta%t> ;$&#r&#> or prBa#><A prevent#n$ )#s*.os%re of #nfor-at#on to %na%t1or#;e)
persons
nt&!rt>A prevent#n$ *orr%pt#on? #-pa#r-ent? or -o)#f#*at#on of #nfor-at#on? serv#*es? or
e2%#p-ent
a't)&nt#t>A proof t1at a person or ot1er a$ent 1as <een *orre*t./ #)ent#f#e)? or t1at a
-essa$e #s re*e#ve) as trans-#tte)
aBa%aA%t>A ass%ran*e t1at #nfor-at#on? serv#*es? an) e2%#p-ent are work#n$ an)
ava#.a<.e for %se
t)& $tat& o( t)& $>$t&mB t1#s #n*.%)es *1an$es to )ata an) to software

Common T&rmno%o!&$
a. P)$)n!D 0n t1e f#e.) of *o-p%ter se*%r#t/? p)$)n! #s t1e *r#-#na../ fra%)%.ent pro*ess of
atte-pt#n$ to a*2%#re sens#t#ve #nfor-at#on s%*1 as %serna-es? passwor)s an) *re)#t *ar)
)eta#.s </ -as2%era)#n$ as a tr%stwort1/ ent#t/ #n an e.e*tron#* *o--%n#*at#on.
<. Fr&?a%%D "#rewa..s are network )ev#*es t1at *ontro. a**ess to or$an#;at#on9s network assets
</ -on#tor#n$ an) f#.ter#n$ network traff#* or -ore pre*#se./ a )ev#*e t1at separates a
tr%ste) network fro- %n:tr%ste) network. "#rewa..s *an <e #-p.e-ente) #n <ot1 1ar)ware
an) software? or a *o-<#nat#on of <ot1. "#rewa..s prote*t s#tes fro- eDp.o#tat#on of
#n1erent v%.nera<#.#t#es #n t1e 6CP/0P proto*o. s%#te.
*. 7SAT : @er/ !-a.. (pert%re 6er-#na.
). Ha#k&rD 4enera../ refers to #n)#v#)%a.s w1o $a#n %na%t1or#;e) a**ess to *o-p%ter s/ste-
for t1e p%rpose of stea.#n$ = *orr%pt#n$ )ata.
e. HTTPD 61e proto*o. for -ov#n$ 1/perteDt f#.es a*ross t1e 0nternet. Re2%#res a >66P *.#ent
pro$ra- on one en)? an) an >66P server pro$ra- on t1e ot1er en). >66P #s -ost #-portant
proto*o. %se) #n Kor.) K#)e Ke< (KKK)
f. Int&rn&tD 61e vast *o..e*t#on of #nter:*onne*te) networks t1at are *onne*te) %s#n$ t1e
6CP/0P proto*o.s an) t1at evo.ve) fro- t1e (RP(5,6 of t1e .ate '0Is an) ear./ 70Is. 61e
0nternet *onne*ts tens of t1o%san)s of #n)epen)ent networks #nto a vast $.o<a. #nternet an)
#s pro<a<./ t1e .ar$est K#)e (rea 5etwork #n t1e wor.).
$. Intran&tD ( pr#vate network #ns#)e a *o-pan/ or or$an#;at#on t1at %ses t1e sa-e k#n)s of
software t1at /o% wo%.) f#n) on t1e p%<.#* 0nternet? <%t t1at #s on./ for #nterna. %se.
1. IP ;Int&rn&t Proto#o%< A""r&$$D ( %n#2%e n%-<er *ons#st#n$ of 4 parts separate) </ )ots?
e.$. 192.1'8.D./. ,ver/ -a*1#ne t1at #s on a network 1as a %n#2%e 0P a))ress.
#. N&t?orkD ( $ro%p of two or -ore *o-p%ter s/ste-s .#nke) to$et1er.
E. LAN ;Lo#a% Ar&a N&t?ork<D ( *o-p%ter network .#-#te) to t1e #--e)#ate area? %s%a../ t1e
sa-e <%#.)#n$ or f.oor of a <%#.)#n$.
k. WAN ;W"& Ar&a N&t?ork<D (n/ network t1at *overs an area .ar$er t1an a s#n$.e <%#.)#n$ or
*a-p%s.
.. Ma%?ar&D !1ort for -a.#*#o%s software? software )es#$ne) spe*#f#*a../ to )a-a$e or )#sr%pt
a s/ste-? s%*1 as a v#r%s or a 6roEan 1orse.
-. Spam or Spammn! D (n #nappropr#ate atte-pt to %se a -a#.#n$ .#st or ot1er networke)
*o--%n#*at#ons fa*#.#t/ as #f #t was a <roa)*ast -e)#%- (w1#*1 #t #s not) </ sen)#n$ t1e
sa-e -essa$e to a .ar$e n%-<er of peop.e w1o )#)nIt ask for #t.
n. Sp>?ar&D !oftware t1at #s se*ret./ #nsta..e) on a %sers9 *o-p%ter an) t1at -on#tors %se of
t1e *o-p%ter #n so-e wa/ w#t1o%t t1e %sersI know.e)$e or *onsent.


o. SSL ;S&#'r& So#k&t La>&r<D ( proto*o. to ena<.e en*r/pte)? a%t1ent#*ate) *o--%n#*at#ons
a*ross t1e 0nternet.
p. 7r'$D ( *1%nk of *o-p%ter pro$ra--#n$ *o)e t1at -akes *op#es of #tse.f w#t1o%t an/
*ons*#o%s 1%-an #ntervent#on. !o-e v#r%ses )o -ore t1an s#-p./ rep.#*ate t1e-se.ves? t1e/
-#$1t )#sp.a/ -essa$es? #nsta.. ot1er software or f#.es? )e.ete software of f#.es? et*. ( v#r%s
re2%#res t1e presen*e of so-e ot1er pro$ra- to rep.#*ate #tse.f. 6/p#*a../ v#r%ses sprea) </
atta*1#n$ t1e-se.ves to pro$ra-s an) #n so-e *ases f#.es? for eDa-p.e t1e f#.e for-ats for
8#*rosoft wor) pro*essor an) sprea)s1eet pro$ra-s a..ow t1e #n*.%s#on of pro$ra-s *a..e)
Z-a*rosZ w1#*1 *an #n so-e *ases <e a <ree)#n$ $ro%n) for v#r%ses.
2. Worm ( wor- #s a v#r%s t1at )oes not #nfe*t ot1er pro$ra-s. 0t -akes *op#es of #tse.f? an)
#nfe*ts a))#t#ona. *o-p%ters (t/p#*a../ </ -ak#n$ %se of network *onne*t#ons) <%t )oes not
atta*1 #tse.f to a))#t#ona. pro$ra-sB 1owever a wor- -#$1t a.ter? #nsta..? or )estro/ f#.es
an) pro$ra-s.

BASEL I II NORMS
61e *o--#ttee on Bank#n$ Re$%.at#ons an) !%perv#sor/ Pra*t#*es ( Base. Co--#ttee) C 1988
$%#)e.#nes on *ap#ta. -eas%res an) *ap#ta. stan)ar) #n J%./? 1988 known as C(P06(L (CC+R& C 0?
#-p.e-ente) w.e.f. 01.04.1992 as a part of 5ars#-1an Co--#ttee Re*o--en)at#on.
05 B(!,L C0 a#-s at to prepare <anks towar)s t1e stren$t1en#n$ t1e so%n)ness an) sta<#.#t/ of t1e
<ank#n$ s/ste-. Cap#ta. a)e2%a*/ rat#on was f#De) to 8% w#t1 effe*t fro- 01.04.1992 t1at ra#se)
to 9% w#t1 effe*t fro- 10% for new pr#vate se*tor <anks an) 15% for .o*a. area <anks.

B(!,L C00 a#-s at f%rt1er stren$t1en#n$ t1e *ap#ta. str%*t%re of <anks an) #ts re2%#re-ent #s
*a.*%.ate) for *re)#t? -arket an) operat#on r#sk.
61ere are 0 P#..ars w1#*1 #n*.%)e
80508L8 C(P06(L R,XL0R,8,56
!LP,R@0!+R3 R,@0,K
8(RG,6 &0!C0PL05,

PILLAR ONE : 8#n#-%- *ap#ta. re2%#re-ent for *re)#t r#sk? operat#ona. r#sk an) -arket r#sk.
Cre)#t r#sk C star)ar)#se) approa*1 for *re)#t r#sk: Ln)er t1#s r#sk we#$1t #s pres*r#<e) </ t1e RB0
an) wo%.) <e a)opte) </ t1e <anks w#t1o%t an/ )#s*ret#on to -o)#f/. R#sk #n a s*a.e of 01 to 08
#.e. 0 to 150%: !tate-ent of !ens#t#ve se*tor &!B state-ent 4:0.

OPERATIONAL RIS9
+perat#ona. r#sk -eans r#sk on a**o%nt of operat#on of <anks. 0t -a/ <e )ef#ne) as r#sk of .oss )%e
to #na)e2%ate or fa#.e) #nterna. pro*esses? peop.e an) s/ste-s an) eDterna. events. !o-e of t1e
eDa-p.es of operat#ona. r#sks are .a*k of *o-petent -ana$e-ent or .a*k of proper p.ann#n$ an)
*ontro.s? #n*o-petent staff -e-<ers? #n)#s*#p.#ne? #nvo.ve-ent of staff #n fra%)s? o%t)ate)
s/ste-s? non :*o-p.#an*e of s/ste- an) pro*e)%res? fa#.%re of *o-p%ter s/ste- et*. )ef#*#en*/
#n .oan )o*%-entat#on. 8eas%r#n$ of operat#ona. r#sk a#-s at stren$t1en t1e *ap#ta. <ase to
w#t1stan) s%*1 r#sks. RB0 1as aske) t1e <ank to -eas%re t1e r#sk </ wa/ of Bas#* 0n)#*ator
(pproa*1. (s per t1#s? t1e <ank w#.. 1ave to 1o.) *ap#ta.? e2%a. to avera$e of prev#o%s t1ree
/ears pos#t#ve ann%a. $ross #n*o-e as a f#De) % #.e. 15%
Capta% r&J'r&m&nt H ann'a% po$tB& !ro$$ n#om& (or t)r&& >&ar$ Q +3F , No5 o( >&ar$ (or
?)#) !ro$$ n#om& $ po$tB&5

SECOND PILLAR
!%perv#sor/ rev#ew pro*ess #s #nten)e) to ens%re t1at <anks 1ave a)e2%ate *ap#ta. to s%pport a..
t1e r#sk #n t1e#r <%s#ness an) en*o%ra$e t1e- to )eve.op an) %se <etter r#sk -ana$e-ent
te*1n#2%es #n -on#tor#n$ an) -ana$#n$ t1e#r r#sk. 61#s eD*er*#se #s #-p.e-ente) </ o%r
0nspe*torate &epart-ent to assess t1e r#sk.
1. Cap#ta. a)e2%a*/ .eve. s1o%.) <e a)e2%ate #n re.at#on to r#sk prof#.e.
2. !%perv#sors s1o%.) eva.%ate an) rev#ew <ankIs #nterna. *ap#ta. a)e2%a*/ assess-ent an)
strate$#es an) to -a#nta#n *ap#ta. rat#os.


. !%perv#sors s1o%.) eDpe*t <anks to operate a<ove t1e -#n#-%- re$%.ator/ *ap#ta. rat#o
an) s1o%.) 1ave a<#.#t/ to re2%#re <ank to 1o.) *ap#ta. #n eD*ess of t1e -#n#-%-.
4. !%perv#sors s1o%.) #ntervene at an ear./ sta$e to prvent *ap#ta. fro- fa..#n$ <e.ow t1e
-#n#-%- .eve.s re2%#re) to s%pport t1e r#sk *1ara*ter.

THIRD PILLAR
61e o<Ee*t#ve of 000r) p#..ar #s to *o-p.e-ent t1e -#n#-%- *ap#ta. re2%#re-ent an) s%perv#sor/
rev#ew t1ro%$1 var#o%s k#n)s of )#s*.os%res re2%#re) </ t1e <ank #n t1e f#nan*#a. papers s%*1 as
Cap#ta. str%*t%res : 6#er 0 an) 6#er 00 *o-ponent of *ap#ta. on 2%arter./ <as#s an) #ts rat#os
BankIs approa*1 to assess t1e *ap#ta. a)e2%a*/ to s%pport #ts *%rrent an) f%t%re a*t#v#t#es #.e.
*ap#ta. re2%#re) for *re)#t r#sk? -arket r#sk or operat#ona. r#sk

Som& Important Pont$
S 8estr!ct!red (echnolog* Upgradation 3!nd ?cheme has been implemented b* (he
-inistr* of (extiles$ ovt. of India #ith effect from "9.@.."@11. 1o#$ (he -inistr* of
(extiles$ ovt. of India$ vide their circ!lar 1o.4@ (+) <"@11=-?< dated @1.@5."@11 have
informed the decisions ta0en b* (echnical 'dvisor*=C!m=-onitoring Committee (('-C) of
restr!ct!red (U3?$ in its 1
st
meeting held on 1".@4."@11(cop* enclosed) in regard to
follo#ingL
i. ?pecifications of brand ne# sh!ttleless looms eligible for 1@H capital s!bsid* and
ceiling of 8s. 1 crore margin mone* s!bsid* !nder "@H --?=(U3? for
po#erloom section.
ii. Mal!e cap on imported second hand sh!ttleless looms
iii. 8evie# of the list of eligible machiner* !nder (U3? for additions<deletions.

? .i*ration Towards @$TS A,%, StandardsB
/ith gro#ing !se of m!lti=cit* and pa*able at par che,!es for handling of che,!es at an* branch of
a ban0$ introd!ction of Che,!e (r!ncation ?*stem (C(?) at 1e# Delhi for image=based che,!e
processing$ increasing pop!larit* of ?peed Clearing for local processing of o!tstation che,!es etc.$
8BI prescribed certain minim!m sec!rit* feat!res in che,!es printed$ iss!ed and handled b* ban0s
and c!stomers !niforml* across the ban0ing ind!str*.
T-e 2enc-mar3 !rescri!tions %or c-e<ue %orms -a#e 2een terme$ as ICTS-2;1; stan$ar$J 2" +/'.

; CRAR : (a)Implementation of the 1e# Capital 'de,!ac* 3rame#or0 iss!ed b* 8eserve
Ban0 of India$ Ban0 is re,!ired to comp!te Capital 'de,!ac* 8atio (C8'8) as per Basel II
at the end of each ,!arter. (b) (he ratio is one of the 0e* indicators for the Ban0s
performance and is comp!ted as follo#sL=

C8'8 T Capital ((ier I and (ier II)
8is0 /eighted 'ssets
(he C8'8 improves #ith the increase in Capital and<or #ith the red!ction in 8is0
/eighted 'ssets.

,Dtens#on #n -orator#%- per#o) #n ,)%*at#on Loans fro- 12 -ont1s to 24 -ont1s #n $en%#ne
*ases )%e to $.o<a. -e.t)own.
Pa/-ent of #nterest on !av#n$ Bank (**o%nts s1o%.) <e -a)e on a )a#./ pro)%*t <as#s w#t1
effe*t fro- (pr#. 1? 2010.

"ro- 05.10.2010 t1e opt#on for f#De) rate of #nterest stan) a<o.#s1e) an) fres1 or renewa. or
takeover of 1o-e .oan ?%% not A& #on$"&r&" on FIQED rat&5

RBI to $$'& R$5+- "&nomnaton Banknot&$ ?t) n$&t %&tt&r TRUD Reserve Bank of 0n)#a w#..
s1ort./ #ss%e Rs.10 )eno-#nat#on Banknotes w#t1 #nset .etter FRH #n <ot1 n%-<er#n$ pane.s #n


8a1at-a 4an)1# !er#es : 2005 <ear#n$ t1e !#$nat%re of &r. &.!%<<arao? 4overnor. ,D*ept for
t1e *1an$e #n t1e #nset .etter? t1e )es#$n of t1ese notes to <e #ss%e) now #s s#-#.ar #n a..
respe*t to t1e Banknotes #ss%e) ear.#er #n 8a1at-a 4an)1# !er#es : 2005 w#t1 a))#t#ona./new
se*%r#t/ feat%res #ss%e) on (pr#..27? 200'.

Pr'"&nta% Norm$ On Un$&#'r&" A"Ban#&$
"or )eter-#n#n$ t1e a-o%nt of %nse*%re) a)van*es for ref.e*t#n$ #n s*1e)%.e 9 of t1e
p%<.#s1e) <a.an*e s1eet? t1e r#$1ts? .#*enses? a%t1or#sat#ons et*.? *1ar$e) to t1e <anks as
*o..atera. #n respe*t of proEe*ts (#n*.%)#n$ #nfrastr%*t%re proEe*ts) f#nan*e) </ t1e-?
s1o%.) not <e re*kone) as tan$#<.e se*%r#t/. >en*e s%*1 a)van*es s1a.. <e re*kone) as
%nse*%re) a)van*es.
Banks s1o%.) a.so )#s*.ose t1e tota. a-o%nt of a)van*es for w1#*1 #ntan$#<.e se*%r#t#es
s%*1 as *1ar$e over t1e r#$1ts? .#*enses? a%t1or#t/? et*. 1as <een taken as a.so t1e
est#-ate) va.%e of s%*1 #ntan$#<.e *o..atera.. 61e )#s*.os%re -a/ <e -a)e %n)er a
separate 1ea) #n F5otes to (**o%ntsH. 61#s wo%.) )#fferent#ate s%*1 .oans fro- ot1er
ent#re./ %nse*%re) .oans.

Fnan#a% In#%'$on Po%#> O( T)& Bank For ProB"n! Bankn! S&rB#&$ T)ro'!) En!a!n!
B'$n&$$ Fa#%tator$ ;BF< An" B'$n&$$ Corr&$pon"&nt$ ;BC<D 6o ena<.e t1e <ank to rea*1
o%t to t1e weaker se*t#ons an) .ow #n*o-e $ro%ps so as to prov#)e a**ess to f#nan*#a. serv#*es
an) t#-e./ an) a)e2%ate *re)#t w1ere nee)e) at an affor)a<.e *ost? an) #n v#ew of t1e
.#-#tat#on of <ran*1 network to rea*1 o%t to t1e .ar$e se*t#on of so*#et/ effe*t#ve./? t1e
Boar) of &#re*tors of t1e Bank 1as approve) po.#*/ for prov#)#n$ <ank#n$ serv#*es t1ro%$1
en$a$#n$ B%s#ness "a*#.#tators (B")/B%s#ness Correspon)ents (BC)

T)& R!)t To In(ormaton A#t, .--3 ;RTI A#t,.--3<D R60 (*t 1as *o-e #nto effe*t w.e.f.
15.0'.2005 an) t1e Bank #s a.so re*e#v#n$ n%-<er of re2%ests for #nfor-at#on fro- var#o%s
part#es w1#*1 1ave to <e )ea.t w#t1 </ t1e (P0+/P0+/CP0+ )es#$nate w#t1#n t1e per#o)
spe*#f#e) %n)er t1e (*t. (s per t1e prov#s#ons of t1e a*t t1e Centra. 0nfor-at#on Co--#ss#on
(C0C) *an #-pose pena.t/ of Rs.250/: per )a/ for t1e )e.a/e) per#o) <e/on) t1e t#-e .#-#t
pres*r#<e) for $#v#n$ t1e rep./ ? w#t1 a -aD#-%- of Rs.25000/:.
A%% Bran#) n#'mA&nt$ ar& "&$!nat&" a$ A$$$tant P'A%# In(ormaton o((#&r$ ;APIO$)
as per t1e prov#s#ons of !e*t#on 5(2) of t1e sa#) (*t
(s (P0+ Bran*1 0n*%-<ents are re2%#re) to a**ept app.#*at#ons %n)er t1e R60 (*t 05 a.on$
w#t1 t1e fee of Rs.10/: as s%<-#tte) </ an/ *#t#;en of 0n)#a an) s1a.. forwar) s%*1
app.#*at#ons to PIO$ n t)&r R&!on w#t1#n t1e st#p%.ate) t#-e of 5 )a/s a.on$ w#t1 t1e
#nfor-at#on #f t1e re2%est perta#ns to t1e #nfor-at#on ava#.a<.e #n t1at <ran*1. P0+ s1a..
rep./ to t1e (pp.#*ant as per t1e prov#s#ons of R60 (*t. (P0+s/P0+s s1a.. a.so $%#)e t1e
app.#*ants re$ar)#n$ pro*e)%re for s%<-#tt#n$ t1e app.#*at#on %n)er t1e R60 a*t.
(s t1e app.#*at#on fee of Rs 10/: *an a.so <e )epos#te) #n *as1? Bran*1 0n*%-<ents as
(P0+s s1a.. a**ept *as1 of Rs 10/: per app.#*at#on an) #ss%e re*e#pt for t1e sa-e. Cas1 so
re*e#ve) <e *re)#te) to FCo--#ss#on Re*e#ve): 8#s*. (**o%ntH
Bran*1 0n*%-<ents as (P0+s s1a.. a.so a**ept appea.s </ an/ *#t#;en of 0n)#a a$a#nst t1e
)e*#s#on of t1e P0+ of t1e Bank an) forwar) t1e sa-e to t1e (ppe..ate (%t1or#t/ w#t1#n 5
)a/s. (s per prov#s#ons of !e*t#on 19 (1) of t1e (*t. Present./ t1e 4enera. 8ana$er
(C!=P)? >ea) +ff#*e? 5ew &e.1# #s t1e (ppe..ate (%t1or#t/ of t1e Bank.

N&? B'$n&$$ 6ro'p ;NB6< 1as pr#-ar#./ <een *onst#t%te) to *onve/ eDpe)#t#o%s )e*#s#ons on
a**eptan*e of *re)#t proposa.s for new a**o%nts on t1e <as#s of #nfor-at#on on ke/ po#nts
re*e#ve) fro- t1e <ran*1es. 61e approva. </ 5B4 was on./ for an F,Dpress#on of 0nterestH
an) )eta#.e) san*t#on was s%<Ee*t to appra#sa. an) approva. of t1e *o-petent a%t1or#t/.

Con#'rr&nt A'"t Po%#> - 61e s/ste- of Con*%rrent (%)#t was #ntro)%*e) #n t1e Banks
p%rs%ant to 41os1 Co--#ttee re*o--en)at#ons on "ra%)s an) 8a.pra*t#*es #n Banks.



RB0 $%#)e.#nes st#p%.ate t1at 50% ()van*es? 50% of &epos#ts an) 50% of Bank9s tota. <%s#ness
s1o%.) <e *overe) %n)er *on*%rrent a%)#t. 0n .#ne w#t1 t1e a<ove? 74% of a)van*es an) 58% of
)epos#t of t1e Bank ;OBC< #s *overe) %n)er *on*%rrent a%)#t.

In#om& an" E@p&n"t'r& A'"t Po%#> : Reven%e (%)#t #s <e#n$ *on)%*te) </ f#r-s of
*1artere) a**o%ntants an) t1e per#o) *overe) #s one *a.en)ar /ear #.e fro- 1
st
Jan%ar/ to 1
st

&e*e-<er ever/ /ear

In(ormaton S>$t&m A'"t Po%#> : ,ver/ 0nsta..at#on #.e >+/R+/Bran*1 s1a.. <e a%)#te) at
.east on*e #n ever/ two /ears. ,a*1 /ear at .east 10% of <ran*1es (#n 5%-<er) s1a.. <e
*overe) %n)er 0nfor-at#on !/ste- (%)#t ever/ /ear.

R&('n" o( Lo#k&r R&ntD 8#n#-%- Per#o) of Lo*ker fa*#.#t/ s1a.. <e +ne 3ear an) #n *ase of
!%rren)er of Lo*ker? Ref%n) of t1e Lo*ker Rent? #f an/? s1a.. <e pa#) for t1e Co-p.ete
X%arters .eft as on t1e &ate of !%rren)er of Lo*ker? for w1#*1 Lo*ker Rent 1as a.rea)/ <een
re*e#ve) #n a)van*e e.$. #n *ase a Lo*ker 1#rer 1as pa#) Lo*ker Rent #n a)van*e sa/ %pto
1.0.2009 an) Lo*ker #s s%rren)ere) <efore t1e en) of t1e 2%arter 0.0'.2008? t1e Lo*ker
Rent ref%n)a<.e s1a.. <e on pro rata <as#s for X%arters #.e. for t1e Co-p.ete X%arters
en)#n$ !ept9 08? &e*9 08 an) 8ar*1 709.
Mant&nan#& o( R&#or"D 7o'#)&r$D (.. t1e vo%*1ers are to <e sorte) #n two .otsA
Cas1 Pa/-ent @o%*1ers an)
+t1er @o%*1ers.
61e *as1 pa/-ent vo%*1ers w#.. <e st#t*1e) an) sea.e) at t1e .eft 1an) *orner. 61ese are
to <e kept )ate:w#se/-ont1:w#se #n *.ot1 <a$s an) are re2%#re) to <e p.a*e) /ear w#se #n
.o*ke) <oDes.
@o%*1ers ot1er t1an *as1 pa/-ent w#.. <e sorte) o%t an) st#t*1e) )atew#se to fa*#.#tate
referen*e #n t1e fo..ow#n$ or)erA
1. Cas1 Re*e#pts.
2. C.ear#n$ !.#ps.
. C.ear#n$ C1e2%es.
4. 6ransfer @o%*1ers.
Ca'ton L$tD (.. sett.e-ents / *o-pro-#ses? #nvo.v#n$ sett.e-ent a-o%nt of Rs. 1.00 La*s
an) a<ove? approve) </ t1e >ea) +ff#*e / Re$#ona. +ff#*es? as t1e *ase -a/ <e? s1a.. <e
*#r*%.ate) to t1e Bran*1es as a FCa%t#on L#stH on 1a.f /ear./ <as#s. !%*1 )efa%.t#n$ <orrowers
s1a.. not <e a**o--o)ate) #n f%t%re #n an/ wa/ w1at so ever. Proper re*or) s1a.. <e
prepare) an) -a#nta#ne) for s%*1 sett.e-ents/ *o-pro-#ses </ a.. t1e <ran*1es.

!#n*e t1e *ases? #nvo.v#n$ t1e sett.e-ent a-o%nt of .ess t1an Rs. 1.00 La*? fa.. %n)er t1e
s*1e-es? w1#*1 are sponsore) </ 4overn-ent of 0n)#a? #t #s )e*#)e) to eD*.%)e s%*1
<orrowers fro- .#st#n$ #n s%*1 FC(L60+5 L0!6H.

"%rt1er? t1e part#*%.ars of ea*1 an) ever/ sett.e-ent (#nvo.v#n$ sett.e-ent a-o%nt of Rs.
1.00 La* an) a<ove)? approve) </ R+? s1a.. <e *#r*%.ate) </ t1e *on*erne) approv#n$
Re$#ona. +ff#*e #n t1e for- of FC(L60+5 L0!6H to ot1er Re$#ona. +ff#*es / <ran*1es.
Re*over/ = Law &eptt.? >ea) +ff#*e? w#.. *ont#n%e to *#r*%.ate t1e part#*%.ars of ea*1
sett.e-ent (#nvo.v#n$ sett.e-ent a-o%nt of Rs. 1.00 La* an) a<ove)? approve) </ >ea) +ff#*e
#n t1e for- of C(L60+5 L0!6 to a.. Re$#ona. +ff#*es / <ran*1es.

61e va.#)#t/ per#o) of C1e2%es / &&s / P+s s1a.. <e re)%*e) fro- eD#st#n$ s#D -ont1s to t1ree
-ont1s w.e.f. -+
$t
Apr%, .-+..
K1#.e t1e RB0 1a) "&r&!'%at&" nt&r&$t rat&$ on f#De) )epos#t s*1e-es #n 1997? #t )ere$%.ate)
t1e #nterest rate on $aBn!$ Aank )epos#ts w.e.f. .3
t)
O#t .-++
61e #ntro)%*t#on of )a#./ pro)%*t -et1o)? for *a.*%.at#on of t1e #nterest on sav#n$s )epos#t
a**o%nt starte) w.e.f. -+
$t
Apr%, .-+-5
RB0 a)v#ses <anks to )o awa/ w#t1 pre:pa/-ent pena.t/ on .oans? at t1e#r ear.#est.

+BC +""0C,R!9! K,L"(R, "L5&? B>+P(L R,40+5

Promotion Test 17-06-2012 (UPDATED TILL 01-06-2012) 85

Nam& o( t)&
R&ta% Cr&"t
S#)&m&
P'rpo$& E%!A%t> Amo'nt o( Loan
Ma@m'm
S&#'rt> Mar!n,Pro#&$$ F&& R&pa>m&nt
E"'#aton Loan >#$1er !t%)#es 1.(n 0n)#an 5at#ona..
2.8eretor#o%s st%)ent
. !e*%re) a)-#ss#on to 1#$1er
e)%*at#ona. *o%rse #n an/ #nst#t%te

0n)#aA 10.00 .a*s
(<roa)A 20 .a*s
Q*e#.#n$ for 5006 #s
rs.1.74 .a*sP

8aD#-%- 50 .as
s%<Ee*t approva.
fro- >+.
Up to 25-- %a#$ A Co:
o<.#$at#on of Parents ?
1owever 5o Co..atera.
!e*%r#t/
AAoB& R$525-- %a# =
'pto 153- %a#$ A Co:
o<.#$at#on of
parents/$%ar)#an an)
Co..atera. #n t1e for- of
t1#r) part/ $%arantee.
AAoB& R$5153- %a# A
Co:o<.#$at#on of parents/
$%ar)#an an) e2%#va.ent
tan$#<.e !e*%r#t/
Mar!nD Upto
R$525-- %a#$ - NIL AAoB&
2 %a#$ D In"a D 3F
AAroa"D +3F5
S#)o%ar$)p #an A& tr&at&" a$
mar!n5 Pro#&$$ D 'pto
R$525-- La#-+--5--
Loan aAoB& R$525-- La#D In
In"a-3--5-- For aAroa"-
R$5+---5--
-aD 10 /ears
eD*.%)#n$
-orator#%- .oan
%pto 7.50 .a*s =15
/ears a<ove 7.50
.a*s
Car,7&)#%& Loan
S#)&m&
;P&r$ona% U$&<
6wo K1ee.er/ Car /
8L@
6wo K1ee.ers Rs.15000/: p.-.
(4ross) "or Cars
Rs.25000/: p.-. (4ross) (Loan
a-o%nt e2%a. to 0 -ont1s net take
1o-e sa.ar// #n*o-e s%<Ee*t to 6ake
>o-e #n*o-e after a.. )e)%*t#ons
s1o%.) not <e .ess t1an 40% of 4ross
!a.ar/)8#n#-%- of 12 -ont1s serv#*e.
+n./ *onf#r-e) e-p.o/ees s1a.. <e
e.#$#<.e. >owever R> *an wa#ve t1e
*on)#t#on of *onf#r-e) e-p.o/ee
8aD#-%- 1.00 .a*
two w1ee.er "or
*ar/-%v:8aD
Rs.50.00 .a*
Prmar>D >/p. of ve1#*.e.
Co%%at&ra%D one P.4. for
a.. t/pe of *ases
T?o W)&&%&r$ D 20%
N&? Car$ A %pto 20.00.a*s C
20%? a<ove 20.00 .a*s C 25%
S&#on" )an" #arD 20 %:
Ln)er 6@! 0%:non
6@!. Pro#&$$ F&&D
0.50% of .oan a-o%nt
-#-#-%- of Rs.500.00.
42 &J'at&"
mont)%>
n$ta%%m&nt$
$'AO&#t&" to
r&mann! p&ro" o(
$&rB#& = ma@m'm
a!& 'pto 03 >&r$ o(
Aorro?&r S#)&m&
,S&#on" Han" Car
' ,80 (-aD#-%-)
for ve1#*.e %pto '0
-ont1s o.).
(r&pa>m&nt
#ap#at> to A&
#on$"&r&" n #a$&
o( &mp%o>&&<
Loan to Tra"&r$ Kork#n$ *ap#ta.
an)/or ter- .oan.
6ra)ers for sto*k = p%r*1ase of assets
sto*k state-ent A
Lpto 5 .a*A 3ear./.
(<ove 5 .a*s = %pto 10 .a*sA 2%arter./.
(<ove 10 .a*sA 8ont1./
8aD#-%- 50.00 .a*s Pr#-ar/A >/p. of
sto*ks/assets *reate) o%t
of .oan.
Co..atera.A %pto 2.00 .a*s
no *o..atera. . >owever
one P.4. of a)e2%ate net
wort1.
(<ove 2:5 .a*sA 25% of
.#2%#) se*%r#t/ = one
P.4. or 75% ,.8. = one
P.4.
(<ove 5.00 .a*sA 50%
.#2%#) se*%r#t/ = one
P.4. or 100% ,.8. (P.4.
25% for p%r*1ase of
s1ops/off#*e pre-#ses/sto*ks
(for K.C.).

Pro*ess "eeA 0.50% of .oan
a-o%nt -#n#-%- Rs.500.00
Loan %pto Rs.5.00
.a*s to <e
san*t#one) for
/ears = rev#ewe)
/ear./.
(<ove 5 La*A(nn%a.
renew.
6er- .oan to 7
/ears
+BC +""0C,R!9! K,L"(R, "L5&? B>+P(L R,40+5


Nam& o( t)&
R&ta% Cr&"t
S#)&m&
Ma@m'm
wa#ve) #f ,.8. #s 100%
>owever P.4. of owner
-%st #f t1#r) part/
propert/.)
Ot)&r
Pro(&$$ona%$
;E@#&pt Do#tor$<
Pre-#ses? P=8?
5ew @e1#*.e?
"%rn#t%re =
"#Dt%res? et*.
Profess#ona.s (ot1er t1an )o*tors) 6er- Loan: 20 .a*s Prmar>D >/p. of assets
p%r*1ase)/,.8. of
propert/ p%r*1ase).
Co%%at&ra%D 3-F $&#'rt>
= on& P565 'pto 35--
%a#$ = 13F $&#'t> =
t?o P565 aAoB& 35--
%a#$5 on& pr&(&raA%> o(
$po'$&
25%

Pro*ess/%pfront fee 0.50% of
t1e tota. .#-#t san*t#one)
s%<Ee*t to -#n#-%- of Rs.
500/:
84 8ont1s(#n*.%)#n$
-orator#%- of 0'
8ont1s)
Loan$ to Do#tor$ Pre-#ses? 5ew
@e1#*.e? "%rn#t%re =
"#Dt%res? -e)#*a.
e2%#p-ents et*.
X%a.#f#e) = re$#stere) 8e)#*a.
pra*t#t#oners w#t1 -#n. 2%a.#f#*at#on
B08!/B(8!/BL8!/&>8!/B>8!/BP6/
8BB!/B&!
R%ra. = !e-# Lr<anA
50.00 .a*Lr<an =
8etroA 100.00 .a*s
Prmar>D >/p. of assets
p%r*1ase) Co%%at&ra%D "or
.oan %pto Rs.5.00 .a*A
6wo t1#r) part
$%arantees (one P.4. #n
*ase of 8BB!/B&! or
1#$1er )e$ree)"or .oan
a<ove Rs.5.00 .a* to
10.00 .a*sA 6an$#<.e
*o..atera. se*%r#t/
at.east 50% of .oan
a-o%nt = one P.4.(<ove
10.00 .a*sA Tan!A%&
Co%%at&ra% $&#'rt>. of
75% = one P.4.
25%Pro*ess/%pfront fee 0.50%
of t1e tota. .#-#t san*t#one)
s%<Ee*t to -#n#-%- of Rs.
500/:
7 /ears #n*.%)#n$
-aD -orator#%- of
12 -ont1s
P&r$ona% Loan Persona. eDpenses
Cons%-er
&%ra<.es?traB&%
&@p&n$&$ o(
%&!tmat&
traB&%%&r$ &t#5
Per-anent = Re$%.ar ,-p.o/ees w#t1
/rs. of *o-p.ete) serv#*e(#n*.%)#n$
serv#*e w#t1 prev#o%s e-p.o/er)? net
sa.ar/ not .ess t1an Rs.'000/:
P&n$on&r$
15 t#-es -ont1./ net
take 1o-e
8aD. +53- .a* VV
0n *ase of Pens#onerA:
%pto 12 -ont1s
pens#on(-aD.Rs2.00
La*
VV20 t#-es 5et take
>o-e -aD#-%-
Rs..00 La* #f sa.ar/
a**o%nt #s for -#n. '
-ont1s w#t1 <ran*1
= e-p.o/er re-#ts
sa.ar/ to t1#s a**o%nt

one persona. $%arantee
prefera<./ of fe..ow
e-p.o/ee s%<Ee*t to
*on)#t#on t1at one
e-p.o/ee w#.. not stan)
as $%arantor #n -ore
t1an two a**o%nts
8ar$#n:5#.
Pro*ess "eeA 0.50% of .oan
a-o%nt -#n#-%- Rs.500.00
8aD#-%- 5 /ears
(s%<Ee*t to
re-a#n#n$ per#o) of
serv#*e)
In #a$& o(
P&n$on&r-Ma@
*0EMI ?t)n 1-
>&ar$ o( a!& o(
Aorro?&r5
+BC +""0C,R!9! K,L"(R, "L5&? B>+P(L R,40+5


Nam& o( t)&
R&ta% Cr&"t
S#)&m&
Ma@m'm
Fnan#n! 6oBt5
S&#'rt&$
6o -eet persona.
,Dpenses/ <%s#ness
eDpen)#t%re
0n)#an 5at#ona. w#t1 18 /rs. of a$e
/"#r-s/Co-pan#es :
$at$(a#tort a##o'nt ?t) o'r Aank
50.00 .a*s C1ar$e on 4ovt.
!e*%r#t#es/P!L9s an)
5!C9s/L0C et*.
:10% on !@ of L0C
:0n a.. ot1er *ases:25%
+ver)raft to <e
rev#ewe) ever/ /ear
= &e-an) Loan for
'8
Fnan#n!
A'to$,Ta@$
P%r*1ase of
(%tos/6aD#s
8aD#-%- of 10 @e1#*.es per ent#t#t/ 8aD.Rs.10.00 La* per
ve1#*.e -aD#- a$$re.
Loan 50 .a*s
pr#-ar/A 1/p of @e1#*.e
*o..atera.A:Lpto Rs.2.00
La*:6wo P.4 of a)e2ate
-eans
.oan a<ove Rs.2.00 La*:
100% Co..atera. se*%r#t/
8ar$#n:25%
Pro*ess "ee:0.50of .oana-o%nt
-#n#-%- Rs.500.00
48 ,80! !an*t#on#n$
a%t1or#t/ -a/
*ons#)ere) %pto '0
-ont1s
B&a't> Par%o'r$,
Sa%oon$,Ta%orn!
6L for p%r*1ase of
e2%#p-ents/f%rn#t%r
= f#Dt%re?s1op et* =
KC
B%s#ness *on*erns of wo-en Lpto 10 .a*s <%t a
part of work#n$
*ap#ta. -a/ not
eD*ee) rs.5 .a*
Prmar>:>/p. of
assets(-ovea<.e =
0--ovea<.e) *reate) o%t
of .oan. #o%%at&ra%: %pto
2.00 .a*s C n#.? a<ove
2.00 .a*s C tan$#<.e
*o..atera. se*%r#t/ %p to
100% of .oan va.%e.
Lpto 25000 : 50L
(<ove 25000 to 2 .a*s : 15%
(<ove 2 .a*s : 25%

Pro*ess fee of 0.50% of ..oan
-#n.Rs.500.00
5 to 7 /ears
-aD#-%-
-orator#%- to '
-ont1s
Ho'$n! Loan
;ORIENTAL HOME<
"or Constr%*t#on/
p%r*1ase of
Res#)ent#a. >o%se/
".at.
!a.ar/ ,-p.o/e) = !e.f ,-p.o/e)
Person
'0 t#-es (4enera.)
/40 t#-es (to &o*tors
= 4ovt !ervant </
B8= to se.e*t
<%s#ness-an </ R>)
4ross 8ont1./ 0n*o-e
w#t1 a *on)#t#on t1at
t1e net take 1o-e
after a.. )e)%*t#ons
*o-es not .ess t1an
4ross
(nn%a.
0n*o-e
5et
6ake
>o-e
Lpto
Rs.10 La*s

40%
(<ove
Rs.10 La*s
to Rs. 15
.a*s

0%
(<ove
Rs.15 La*s
to Rs. 25
.a*s

25%
8ort$a$e of Pr#-ar/
!e*%r#t/
Upto .-5-- %a#$-+3F, aAoB&
.-5-- %a#$ I .-F5 Pro#&$$ (&$$
I -53-F $'AO&#t&" to
ma@m'm o( R$+.3--,- p%'$
$&rB#& ta@
8aD#-%- w#t1#n 25
/ears or t#.. t1e
<orrower atta#ns '0
/ears K1#*1ever #s
ear.#er
+BC +""0C,R!9! K,L"(R, "L5&? B>+P(L R,40+5


Nam& o( t)&
R&ta% Cr&"t
S#)&m&
Ma@m'm
(<ove
Rs.25 .a*s

20%
"ro- 05.10.2010 t1e opt#on for f#De) rate of #nterest stan) a<o.#s1e) an) fres1 or renewa. or takeover of 1o-e .oan ?%% not A& #on$"&r&" on FIQED
rat&5
Ho'$n! Loan (or
F'rn$)n!
(.terat#on/
"%rn#s1#n$
: )o :
8aD. Rs. 10 La*s or
0% rea.#;a<.e va.%e
of >o%se/ ".at
w1#*1ever #s .ower
: )o : 25% 8aD#-%-
w#t1#n 10 /ears
6o%"&n K'A%&&
R'ra% Ho'$n!
S#)&m&
Constr%*t#on/
P%r*1ase/
Repa#r/ Lp
$ra)at#on of
)we..#n$ %n#t
(R%ra.)
@#..a$e/ 6own w#t1 pop%.at#on of .ess
t1an 50?000 as per
1991 Cens%s
8aD Rs 5 La*s
(Constr%*t#on of new
1o%se)
8aD Rs 1 La*s
(Lp$ra)at#on/ -aEor
repa#rs)
: )o :
20% 8aD#-%- w#t1#n
15 /ears

Important pont (or Ho'$n! LoanD
Up to 5@ *ears of age or date of s!perann!ation$ #hichever is earlier$ ho#ever in case of availabilit* of Coint < co borro#er and one borro#er is having
comparativel* *o!nger age in consonance #ith repa*ment period$ then it can be considered !pto 54 *ears of age for elder co=borro#er.
S;0o;
1oan limit Switch over option
fee(payable one time)
a) Upto 8s."4.@@ Bacs @.4@H of o!tstanding as on
the date of s#itch over
b) 'bove 8s."4.@@ Bacs @.64H of o!tstanding as on
the date of s#itch over
A !enalt" o% +s 25;/- D ser#ice ta? 7ill 2e c-ar4e$ %or e#er" 2ounce$ c-e<ue/=CS or S' $is-onors. T-e rate ma" #ar" %rom time to time

T-e !re!a"ment !enalt" clause is com!letel" 7ai#e$. (one o% t-e occasion t-e !re !a"ment !enalt" 7ill 2e a!!lie$ in t-e accountC e#en t-e 2orro7er o!ts to s7itc-
-is -ome loan account to ot-er 2an3/%inancial
institution
+BC +""0C,R!9! K,L"(R, "L5&? B>+P(L R,40+5


RECOLLECTED PUESTIONS

ORIENTAL BAN9 OF COMMERCE MM6-II TO MM6-III

1. 0n !8,/8#) Corporate open 6er- .oan ? *e#.#n$ for f#nan*#n$ of 5o.of @e1#*.es = a-o%nt of
ve1#*.es :
2. Loan to Profess#ona. = se.f e-p.o/e)(ot1er t1an )o*tor)?w1at #s t1e repa/-ent per#o) =
-orator#%- per#o):
. Loan to Pens#onersA:
4. Ce#.#n$ for >/L #n r%ra. area = Lr<an/!e-#:%r<an for repa#r#n$/renovat#onA:
5. (s per Bank9s Loan Po.#*/? w1at #s %n)er restr#*te) area of a)van*e:
'. Re$#ona. 1ea) #s e-powere) to re)%*e -ar$#n #n "a*tor/ ?.an) = B%#.)#n$ #n r#*e !1e..#n$:
7. K1at #s not *orre*t re$ar)#n$ of !to*k 0nspe*t#onA
8. Ln)er ,CB <orrow#n$ for L!& 5008?w1at #s rate of #nterest for a.. *osts over L0B+R for s#D
-ont1s for per#o) of -ore t1an 5 /ears.
9. K1at #s *%rrent Repo ratea:
10. 0n *ase of !(R"(,!0? #f .oan #s %n)er Consort#%-? t1en w1at per*enta$e of Len)er9s @a.%e #s
re2%#re)-
11. %n)er C&R:00? w1at #s Len)er9s @a.%e = no. of .en)ers:
12. %n)er C468!, w1at #s ann%a. serv#*e fees #n nor-a. *ase an) 8!, %pto Rs. 5.00 .ak1:
1. K1at #s t#-e for #nter <ank transa*t#on #n R64! C
14. 61e <ran*1 1av#n$ )epos#t of Rs.5 .ak1 an) a)van*e #s Rs.40 .ak1( #n prev#o%s two /ears)
fa..s %n)er *ate$or/ of w1#*1 <ran*1 C
15. X%est#on re.ate) #nnovat#ve perpet%a. )e<t #nstr%-ent
1'. Kork#n$ $ro%p 1ea)e) </ @.G !1ar-a re.ate) w#t1
17. ,Dport *re)#t tar$et of !CB %n)er P! C
18. +vera.. P! .en)#n$ of !CB C
19. !%<s#)/ *e#.#n$ %pto Rs25000.00%n)er !R8! I
20. Ln)er !J!3 #n *ase of !>4? -#n#-%- an) -aD#-%- no of -e-<ers *an <e taken fro-
*ate$or/ of (PL-
21. (s per Base. 00 r#sk we#$1t of >L %pto 0 .ak1 C
22. (s per Base. 00 r#sk we#$1t for staff >L %n)er s%perann%at#on <enef#t C
2. Loan of Rs' .ak1 #s se*%re) </ se*%r#t/ of va.%e propert/ of Rs .ak1 w1#*1 #s )o%<tf%. for
-ore t1an /ears as on 1.0.2007 . K1at #s prov#s#on a-o%nt as on 1.0.2008b
24. Prov#s#on #n stan)ar) a**o%nt for PL ? Co--er*#a. Rea. ,state :F
25. Prov#s#on #n s%<: stan)ar) w1#*1 #s se*%re) :F
2'. X%est#on re.ate) to no-#nat#on VVVVVV
27. 8r Ra-es1 #s P+( of !1 !%res1 . ( C1e2%e s#$ne) </ !1 Ra-es1 #s presente) #n <ank after
)eat1 of !1 !%res1 . K1at w#.. <ank )oa:
28. X%est#on re.ate) to Gr#s1ak !art1# !*1e-e ::VVVV
29. Loan #s $rante) to )ea.er of &r#p 0rr#$at#on ? !pr#k.er s/ste- %n)er #n)#re*t ($r# . K1at #s t1e
a-o%nt of .oan: R$5
0. ::::% of .oan $#ven to 4CC an) Rs:::: +& %n)er 5o "r#..s a**o%nt #n r%ra. areas %n)er #n)#re*t
a$r# a)van*e C
1. K1at w#.. t1e rate of #nterest for 5R, "&? 1av#n$ -at%r#t/ for /ears C
2. 0n *ase of LC ? )ate #s wr#tten as <e$#nn#n$ of -ont1 ? w1at w#.. <e t1e )ate:
. 0n *ase of pre s1#p-ent for 1ow -an/ )a/s ref#nan*e #s ava#.a<.e fro- RB0 C
4. 0n *ase over so.) w1at #s r#sk asso*#ate) w#t1 <ank C
5. (!:22 #s asso*#ate) w#t1 w1#*1 stan)ar)
'. Ln)er 6#er C00 ? reva.%at#on reserve #s taken as ---F
7. >ow -an/ t#-es 5,"6 sett.e) #n Keek &a/s = !at%r)a/-
8. (/* pa/ee *1e2%e was presente) </ <anker for *as1 pa/-ent w1at w#.. <ank )oa
9. L#a<#.#t/ of )rawer <efore a**eptan*e </ )rawee an) .#a<#.#t/ of )rawer after a**eptan*e of
)rawee:
40. (s per Base.:00? P#..ar:000 #n)#*ates forA:
41. K1#*1 <%*ket of (L8 1as f%rt1er se$re$ate)D-
42. L#2%)#t/ r#sk #s 1#$1. K1at )oes #t -ean.
+BC +""0C,R!9! K,L"(R, "L5&? B>+P(L R,40+5


4. 0n *ase of Lo*ker? t1e operat#on w#.. TTTTT3rs w#.. tanta-o%nt to 1#$1er r#sk = TTTT /rs w#..
tanta-o%nt to -e)#%- r#skA:
44. 0n *ase of *o%nterfe#t note? t1e a*know.e)$e of re*e#pt #s s#$ne) </ t1e *as1#er <%t t1e
ten)erer )oesn9t s#$n t1e sa-e. 0n t1#s *ase w1et1er a*know.e)$e-ent w#.. <e $#ven to t1e
ten)erer or nota
45. 0n *ase of FCH re$#on? w1at per*enta$e #s for #ss%#n$ *#r*%.ars #n <#.#n$%a..
4'. (s per <ase.:00? w1#*1 -et1o) to <e a)opte) %n)er +perat#ona. R#skD-
47. 0nvest-ent #n 0nter:<ank part#*#pat#on *ert#f#*ate("or P.!)? w1at #s t1e -#n#-%- t#-e per#o):
48. w1at #s t1e <anker C*%sto-er re.at#ons1#p #n t1e *ase art#*.e .eft </ t1e *%sto-er w#t1 t1e
<ran*1A
49. &.P.#s a..owe) a$a#nst t1e sto*k state-ent o.)er t1an -ont1s. K1en t1e a**o%nt w#.. <e
5P(A:
50. 0nvest-ent #n P = 8 0n *ase of !-a.. -an%fa*t%r#n$ Ln#tA
51. K1en 5P( #s so.) to ot1er <ank? w1at w#.. <e t1e r#sk we#$1t A
52. Present./ w1#*1 p.ann#n$ *o--#ss#on #s work#n$ #n 11
t1
. "#ve /ear p.an
5. Ce#.#n$ on #nter <ank .#a<#.#t/ w#t1 referen*e to net wort1 as on 1 st. 8ar*1A
54. K1at #s C.a%se) <#.. of .a)#n$A:
8r. Y = 8rs. 3 (1%s<an) = w#fe)#s 1av#n$ Eo#nt a/* w#t1 %s %n)er F,/!H. ( E%)$-ent )e<tor $ets t1e
4arn#s1ee +r)er a$a#nst 8r.Y . K1et1er t1#s or)er w#.. <e effe*t#ve #n t1e Eo#nt a/* of 8r. Y = 8r.3A:
@ar#o%s answers was $#ven w#t1 )#fferent reason

RECALLED PUESTION OF O5B5C5 SCALE I TO II
1. 61e )o*%-ents of t#t.e to $oo) #s )e.#vere) w#t1 o%t -ak#n$ pa/-ents on s%<-#ss#on of :::::::::A.
2. ()van*e to Keaker !e*t#on %n)er Pr#or#t/ !e*tor:::::::::::A
. &o-#n#2%e !tra%s Ga1n :::::::A
4. Geep#n$ Passwor) #n *o-p%ter#;e) s/ste-A K1#*1 #s wron$( 8#n.5 C1ara*ters)
5. Re*ent $%#)e.#nes of RB0 K1at s1o%.) fo..ow w1en .ett#n$ Lo*ker to so-eoneA Bank9s na-e to <e
e-<osse) on .o*ker.
'. Ln)er &R0 1ow -an/ a)van*e s1o%.) <e )one 2%arter./ </ o%r <ran*1esA
7. +%t of w1#*1 of t1e fo..ow#n$ 4arn#s1ee or)er #s not app.#*a<.eA Ln)er *.ear#n$ <a.an*e
8. (vera$e Pr#*e f#D#n$ </ !,B0 on t1e <as#s of ::::::::: pr#*#n$A
9. K1#*1 t/pe of ass#stan*e #s <e#n$ $#ven to !%$ar 0n)%str/ </ t1e 4ovt.:::::::A 0nterest
10. 8#n#-%- = -aD#-%- a-o%nt of ,C!::::::::::A
11. &efe*t #n )o*%-entat#on:::::::: r#sk A
12. !(R"(,!0 #s app.#*a<.e for w1#*1 (/*A 5P( (/*.
1. (nt# )ate) *1e2%e .#ke *1. &ate) 15.12.07 an) a/* opene) )t.20.12.07 A
14. (**o%nt#n$ !tan)ar) (!:9 re.ate) to :::::::::::A .
15. K1#*1 #s %n)er./#n$ assetsA +pt#on? !wap? "%t%re? 0ntt. rate? "orwar).
1'. X0! state-ent s1o%.) <e s%<-#tte) for :::::::::A KC .#-#t of R$5
17. (-o%nt )#ffer #n wor)s = f#$%re %n)er se*.18 of 50 (*tA
18. K1/ 0n)#a9s rank#n$ s.#ppe) #n Corr%pt#on 0n)eD to 85 fro- 72A:::::Corr%pt#on #n po.#t#*s an)
$ovt.serv#*es )eptt.
19. (s per !e<# .#ste Co. s1o%.) anno%n*e 0nter#- 2%arter./ <a.an*e s1eet w#t1#n::::::::: en) of t1e
2%arterA
20. >ow -%*1 a-o%nt *an <e <orrowe) fro- fore#$n for e2%#p-ent for 1osp#ta. w#t1 o%t RB0
approva.A
21. Co..atera. free a)van*e to $enera.::::::::: an) wo-an:::::::::%pto a-o%nt %n)er !!0A Lp to 5
Lak1s = 10 Lak1s.
22. 8e)#%- serv#*e ,nterpr#sesA 8ore t1an.
2. >ow -%*1 tota. a)van*e of !-a.. enterpr#ses se*tor s1o%.) $o to 8#*ro :::::A
24. "or #ss%e 5o &%es *ert#f#*ate #n Lr<an area::::::::::A C1ar$es R$5
25. P1oto$rap1 #s o<ta#ne) at t1e t#-e of open#n$ t1e a/*.
2'. W)at $ t)& p'rpo$&Dto #)&#k A&nam a##o'nt$
27. G3C re.ate) 2%est#on. 0f not *o-p.#e)A a) Le$a r#sk? B) rep%ta#tona. r#sk *)Co-p.#an*e R#sk et*.
28. 8#n#%- 5ot#*e Per#o) %n)er !(R"(,!0 A
29. C&R #s app.#*a<.e on w1#*1 a/*A 8%.t#p.e .en)#n$/s/n)#*ate/ *onsort#%- for Corporate <orrower.
0. Persona. .oan *oversAP%r*1ase of *ons%-er )%ra<.es?Bon @o/a$e?,Dpenses for -e)#*a. treat-ent:
+BC +""0C,R!9! K,L"(R, "L5&? B>+P(L R,40+5


1. "or s*ooter .oan sa.ar/ per -ont1 s1o%.) <e:::::::::::A R$5
2. "or +pen Car .oan to eD#st#n$ !8,/8#) Corporate <orrowers enEo/#n$ *re)#t .#-#t ofD R$5
. ( *o-pan/ want to ra#se Rs.50 .a* for $enset w1#*1 #s -ore t1an #ts *ap#ta. = reserve A
4. K1#*1 Co-pan/ #s 5o. 1 #n "or<es 2000 .#st #nrespe*t of prof#t?serv#*e et*. >!BC
5. BC66 #s $o#n$ to <e )#s*ont#n%e):::::::::::A
'. Base. 00 for fore#$n <ank = t1ose #n)#an <anks w1#*1 1as <ran*1 a<roa) ccc.A
7. Bank *an appea. a$a#nst t1e rewar) of +-<%)s-an::::::::::: A
8. K1/ star ser#es notes were #ss%e)A
9. +ver)raft a..owe) #n 5o "r#.. (/* #n R%ra. = !e-# Lr<an area::::::::::A
40. >ow -%*1 per*enta$e of 0n)epen)ent &#re*tor s1o%.) <e #n %n.#ste). Co.A
41. 5o-#nat#on #s not app.#e)A .
42. ( *1e2%e #ss%e) </ t1e &#re*tor of Co. ? *1e2%e s#$ne) </ )#re*tor presente) for pa/-ent w1o
)#e) #n an a**#)entA
4. Ko-en !>4 to <e s%<s#)#;e) </ w1#*1 state 4ovt.A
44. w1#*1 state $overn-ent *1ar$e 0% pre prof#t taD P!L (P%<.#* se*tor %n#ts)A
45. ( *ontra*t #s -a)e on t1e <as#s of ($ree) )ate = a$ree) rate #s *a..e)::::::::::A
4'. Ca.*%.at#on of &!CRA
47. L("(R #s s%<-#tte) </ w1o-A
48. +ff#*#a. Lan$%a$e Co--#ttee -eet#n$ 1e.) #n C Re$#onD
49. B%s#ness *orrespon)en*e #n Lr<an areaA
50. 0f -ore Bran*1 are t1ere #n r%ra. areas t1an t1e f#nan*#a. #n*.%s#on w#.. <e ::::::::::::::A
51. 8ar$#n %n)er !R8! (!*avan$ers) !*1e-eA
52. >o%s#n$ Loan of Rs.0 .a* R#sk we#$1te) #s:::::::::: D
5. ()van*e pa/-ent for #-port of serv#*es w#t1 o%t RB0 approva.::::::::A
54. 0f #-port )o*%-ent #s )#re*t./ sent to #-porter t1e pa/-ent *an <e -a)e %pto w1#*1 a-o%nt:::::
:::::::A
55. Co-po%n)#n$ of #nterest #n "C5R (B) (/* #f )epos#t re-a#n for -ore t1an one /earA
5'. !6(6 5 = !6(6 8 state-ent #s forA
57. 6%rnover -et1o) of 5a/ak Co--#ttee %pto t1e a-o%nt of Rs.:::::::Rs.5 *rores.
58. 8#n#-%- <a.an*e #n %r<an area w#t1o%t *1e2%e <ookA Rs..
59. 0f pre-at%re pa/-ent #s -a)e #n t1e +r#enta. )a/s )epos#t of Rs.2 .a*? t1e pena.t/ #s::::::::::
::A 5
'0. Prov#s#on#n$ #s -a)e #n w1#*1 (/*A a) !tan)ar) B) !%<:!tan)ar) C) &o%<tf%. &)Loss e) (.. of
t1ese.
'1. K1at #s Bank rateD
'2. P(5 *ar) #s not -an)ator/ of &e-at (/* #n w1#*1 stateA
'. @ot#n$ r#$1t to #n)#v#)%a. #n Pr#vate Bank::::::::A
'4. R#sk Ke#$1t for >o%s#n$ Loan %pto Rs.0 .a* #s 50%. 0f a <ank -ake a)van*e of Rs.100 1ow -%*1
a-o%nt t1e <ank w#.. 1ave to keep for r#sk we#$1tA R$5
'5. Cap#ta. ()e2%e*/ Rat#o as per RB0:%n)er Base.:00:::A F5
''. +n w1#*1 (/* C&R "+R !8, #s not app.#*a<.e:::::::::A 5
'7. Reservat#on for !C/!6 %n)er !4!3::::::::::::A F5
'8. Con*ess#ona. rate of #nterest for Pre:s1#p-ent a)van*e .apses #f )o*%-ents not s%<-#tte) w#t1 #n
t#-e:::::::::A 0nterest #s not .apse).
'9. Pr#-ar/ e)%*at#on for a.. %n)er !arva !1#ks1a (<1#/an::::::::A
70. K1/ (-er#*a <anne) so-e -e)#*#ne of Ran<aD/ A 8an%fa*t%r#n$ pro*ess not 2%a.#f/#n$ L! "&(
nor-s
71. ( <#.. (LC) #s pa/a<.e on or a<o%t 0
t1
J%ne s1a.. <e pa#)::::::::A
72. 0n)#re*t ($r.%n)er P.!. for Co.) !tora$e::::::::::::A
7. "#De) &epos#t #ss%e) #n 5R, for t1e per#o):::::::A
74. Co-pos#te .oan %n)er Pr#or#t/ !e*tor:6+ !,::::::::A
75. Per#o) for !1ort &%ra#ton *rop:::::::::::A.
7'. 0f va.%e of assets fa..s .ess t1an 10% t1e a/* s1a.. <e )#re*t./ *.ass#f#e) to::::::::A5
77. >ow -%*1 fore#$n ,D*1an$e *an <e reta#ne)A.
78. 0f 0n)ore wor) #n wr#tten <etween two transverse .#ne *an <e pa#) at Bo-<a/A
79. 0nterest rate r#sk #s w1at t/pe of r#skA
80. P%rpose of f#nan*#a. 0n*.%s#on A
+BC +""0C,R!9! K,L"(R, "L5&? B>+P(L R,40+5


81. B#.. re*e#va<.e ne$ot#a<.e %n)er LC w#.. *.ass#f#e) %n)er:::::::::A
82. K1at #nterest #s pa#) on CRR------D 5%-<er of -e-<er for Bran*1 C%sto-er !erv#*e Co-#tteeA
8. (*know.e)$e-ent of a**eptan*e </ <orrower %n)er +6!::::::::A w#t1 #n
84. Rank of 0n)#a #n 08& 3ear Book Co-pet#t#ve 0n)eD::::::A
85. C1a#r-an of B#o:"%e. Po.#*/::::::::A
8'. P8 ()v#sor/ *o%n*#. fore*ast 4&P $rowt1b2008:09:::::::::A
87. K1/ keep#n$ fore#$n C%rren*/ 5otes #s not prefera<.e t1an 6rave..er *1e2%es::::::A
88. &eepak Parek1 Co--#ttee </ P"R&( #s re.ate) w#t1::::::::::::A
89. RB0 #s fo*%s#n$ on w1#*1 se*tor::::::::::::A a) Co--o)#t/ <) !ens#t#ve et*.
90. R%ra. 6o%r#s- f#nan*#n$ for Brea) = Brakfast. 61ew fees to <e pa#) to 8#n#str/ for 4o.) an) !#.ver
roo-sA Rs.5000 = Rs.000.
91. % of Lr<an Pop%.at#on a**ess to Bank Cre)#tA
92. K1at #s t1e $enera. reason for 5P(A
9. Ln)er Gr#s1ak !at1# s*1e-e ref#nan*e fro- 5(B(R& #s %pto :::::::::A

DISCLAIMERD T)& #ont&nt$ n t)$ Aook%&t ar& Aa$&" on In(ormaton #o%%&#t&" (rom
Baro'$ $o'r#&$ ?)#) ?& A&%&B& to A& r&%aA%&5 Ho?&B&r, ?& "o not )o%"
o'r$&%B&$ r&$pon$A%& (or an> $)ort #omn!$ or &rror t)&r&n5
You have to grow from Inside Out. None You have to grow from Inside Out. None You have to grow from Inside Out. None You have to grow from Inside Out. None
can can can can teach you. None can make you teach you. None can make you teach you. None can make you teach you. None can make you
Spiritual. There is no other teacher but Spiritual. There is no other teacher but Spiritual. There is no other teacher but Spiritual. There is no other teacher but
your own Soul. your own Soul. your own Soul. your own Soul.
- -- - Swami ivekananda Swami ivekananda Swami ivekananda Swami ivekananda

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