Raj Jaiswal - priority sector lending.pdf
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Sep 11, 2024
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About This Presentation
Raj Jaiswal - priority sector lending.pdf
Slide Content
Lesming Gujections ı
To explain the impertance af prierity seater
lending under various segments.
Ghustum
11,1 Intredustien.
11.8 Sagrants of Prierity Seater Lending
11,2 Targets for Prlerity Sector Lending
11,4 Tergets for Fereign Banks
11,8 Depouits by Foreign Berks with SIDEZ.
To explain the impertance af prierity seater
lending under various segments.
Ghustum
11,1 Intredustien.
11.8 Sagrants of Prierity Seater Lending
11,2 Targets for Prlerity Sector Lending
11,4 Tergets for Fereign Banks
11,8 Depouits by Foreign Berks with SIDEZ.
11,8 Contribution by Banka to RIDF
11.7 Mode ef Disbursement af Lean
11,0 Repayment Schedule
11.9 Rates of Interest.
11,10 Peral Interest
11.11 Servios Charges / Inspection Charges
11,12 Insurenoe Against Tira 6 Other Risks
11,13 Phetegrepks of Zorrevers
11.7 Mode ef Disbursement af Lean
11,0 Repayment Schedule
11.9 Rates of Interest.
11,10 Peral Interest
11.11 Servios Charges / Inspection Charges
11,12 Insurenoe Against Tira 6 Other Risks
11,13 Phetegrepks of Zorrevers
11.1 Imtzveduatien.
Banks recmelly finance these whe, in their
epinien, are arsdit worthy.
© ‘These in need af finanne like farmers,
sell sorle units, rural industries ere
ignored es they ere not
= considered eredit werthy.
= sovessible.
= well informed.
Banks recmelly finance these whe, in their
epinien, are arsdit worthy.
© ‘These in need af finanne like farmers,
sell sorle units, rural industries ere
ignored es they ere not
= considered eredit werthy.
= sovessible.
= well informed.
11.1 Irtreduatien.
the aludes will ask siegen ne long as pr
ware the axly mecsuze ef the sussess ef the bexks.
Henan in 1968, a histerle desisien ves taken
to ratienelise the banks to
o take benking to the remotest villeges.
O serve un-benked centers
© ohexge the Focus of menegemext to
sselet priority sester.
@ weigh the purpose and natura of borrowing
wether then edequecy of security.
the aludes will ask siegen ne long as pr
ware the axly mecsuze ef the sussess ef the bexks.
Henan in 1968, a histerle desisien ves taken
to ratienelise the banks to
o take benking to the remotest villeges.
O serve un-benked centers
© ohexge the Focus of menegemext to
sselet priority sester.
@ weigh the purpose and natura of borrowing
wether then edequecy of security.
11,2 Segments el Priority Seater Lending
Lu
2 m
3 m
4 m
5.
©.
7 m
Agriculture.
trall Sole Industries.
trell Read & Meter Transport Operators.
Detall Trade.
frell Business.
Profassionsl & Self Imployed Persans.
State epornsorad bodies Fer backward
classes
Bdueetien.
Housing.
Lu
2 m
3 m
4 m
5.
©.
7 m
Agriculture.
trall Sole Industries.
trell Read & Meter Transport Operators.
Detall Trade.
frell Business.
Profassionsl & Self Imployed Persans.
State epornsorad bodies Fer backward
classes
Bdueetien.
Housing.
11.2 Sagrants of Priority Seater Lending
19 Consumption
il losns to NOS, Self Help Groups [0H08] ,
Migrg-arsiit
12 Food & Agro Based Seator
13 gefteerea Industry
14 Leasing & Hire Porshese
ib Losns to urben poor indebted to nen-
institutional lenders,
19 Consumption
il losns to NOS, Self Help Groups [0H08] ,
Migrg-arsiit
12 Food & Agro Based Seator
13 gefteerea Industry
14 Leasing & Hire Porshese
ib Losns to urben poor indebted to nen-
institutional lenders,
11,2 Segments el Priority Seater Lending
Lu Agriculture.
Finance ann be dixaot er indirest,
A Direct Finance
e short term logns for zeising craps.
o medium & long term lesns for
Tinenmeing production and develepment.
® eonstruation of farm buildings
e sonstrustien & running storage
feaillties.
Lu Agriculture.
Finance ann be dixaot er indirest,
A Direct Finance
e short term logns for zeising craps.
o medium & long term lesns for
Tinenmeing production and develepment.
® eonstruation of farm buildings
e sonstrustien & running storage
feaillties.
11.2 Sagrants of Priority Sauter Lending
A Direct Finanar- esti,
o —= & processing of hybrid
ande far craps.
o payment af Irrigetien charges
o leans for hertisultura, dairy,
o menufssture of bie gas plants, agri
business csmtres.
A Direct Finanar- esti,
o —= & processing of hybrid
ande far craps.
o payment af Irrigetien charges
o leans for hertisultura, dairy,
o menufssture of bie gas plants, agri
business csmtres.
11.2 Sagrants of Priority Sauter Lending
A Indirect Fineres-
o credit for distribution of
fertilizers, peaticgides, seeds eto.
o loans up te Ne 40 lakhs for Financing
distributien ef onttle feed, poultry
feed, & other inputs.
e loans te electricity beards to
provide low tension cennections Lor
farmers,
A Indirect Fineres-
o credit for distribution of
fertilizers, peaticgides, seeds eto.
o loans up te Ne 40 lakhs for Financing
distributien ef onttle feed, poultry
feed, & other inputs.
e loans te electricity beards to
provide low tension cennections Lor
farmers,
11.2 Sagrants of Priority Sauter Lending
A Indirect Finence- esxtl.
o leens te state elestricity besrde for
zural elestriflestion & impreowarants.
o loans te fexmers through different
bodies.
O deposits held by the banks in Mural
Iinfrestzusture Development Fund [NED]
meintelned by MABARD,
A Indirect Finence- esxtl.
o leens te state elestricity besrde for
zural elestriflestion & impreowarants.
o loans te fexmers through different
bodies.
O deposits held by the banks in Mural
Iinfrestzusture Development Fund [NED]
meintelned by MABARD,
11,2 Segments el Priority Seater Lending
A Indirect Finence- esxtl.
o invauiments by kerks in speolel bonds
issued by NANARD with the objentiva of
Tineneing exolusively egriaulturel
allied setivitles .
o finan Fer kire-purchese ef
sgriaulturel equipment, storage
facilities inaluding cold storage,
siles, treaters, bulldozers.
A Indirect Finence- esxtl.
o invauiments by kerks in speolel bonds
issued by NANARD with the objentiva of
Tineneing exolusively egriaulturel
allied setivitles .
o finan Fer kire-purchese ef
sgriaulturel equipment, storage
facilities inaluding cold storage,
siles, treaters, bulldozers.
11,2 Segments el Priority Seater Lending
2. fmall Smile Industries
trell ecsle 6 enolllery industries,
Grell serxle industrial units ere those
engeged in the menufecture, processing
ex preservation af geeds with investment
in plant & mechinery not exceading Bs.
ere crore.
2. fmall Smile Industries
trell ecsle 6 enolllery industries,
Grell serxle industrial units ere those
engeged in the menufecture, processing
ex preservation af geeds with investment
in plant & mechinery not exceading Bs.
ere crore.
11,2 Segments el Priority Seater Lending
2. fmall Smile Industries
A Tiny enterprises.
mall sole industrial units with
inwastmarts up to Ns. 23 ilakks sre
classified as “Tiny Enterprises.”
2. fmall Smile Industries
A Tiny enterprises.
mall sole industrial units with
inwastmarts up to Ns. 23 ilakks sre
classified as “Tiny Enterprises.”
11.2 Sagrants of Priority Sauter Lending
2, fmell Sole Industries
mall sole service £ bueinass enterprises
lasse].
Industry related service & business
enterprises with inwestrent up te Ma 10
lakhs in fined essets, excluding land &
building will be given benefits of small
soria seater.
2, fmell Sole Industries
mall sole service £ bueinass enterprises
lasse].
Industry related service & business
enterprises with inwestrent up te Ma 10
lakhs in fined essets, excluding land &
building will be given benefits of small
soria seater.
11,2 Segments el Priority Seater Lending
2,Onell Socie Industries
A Investments made by berks in sanuritised
assets representing direst lending to
the SI sector would be covered by the
prieriiy senior.
2,Onell Socie Industries
A Investments made by berks in sanuritised
assets representing direst lending to
the SI sector would be covered by the
prieriiy senior.
11.2 Sagrants of Priority Sauter Lending
2, fmell Sole Industries
à Indirest finexce in the smell sole
industriel sauter inaludes eredit te:
q agencies inwolwed in densrtreliszsed
seater in the supply of inputs &
marketing ef cuiputs of exrtisans,
village 6 astiege industries,
@ Covezrmani sponsored, Garporetions
providing funds to the weaker seotiens
ef the prierity senter .
2, fmell Sole Industries
à Indirest finexce in the smell sole
industriel sauter inaludes eredit te:
q agencies inwolwed in densrtreliszsed
seater in the supply of inputs &
marketing ef cuiputs of exrtisans,
village 6 astiege industries,
@ Covezrmani sponsored, Garporetions
providing funds to the weaker seotiens
ef the prierity senter .
11.2 Sagrants of Priority Sauter Lending
2, fmell Sole Industries
4 edvernces ts bendlecm apops.
q term finance / leans to SIDS or SFG
fer firencing SSIs.
4 WIE provided ty e aoneertium ef
banks.
e fer commercial berks refirenging the
bille redisacunted by SFC er SIDET
q Wihsorlptie: te bends lasued by NABARD
with the abjestiva of Firensing rnen-farm
labour,
CL
2, fmell Sole Industries
4 edvernces ts bendlecm apops.
q term finance / leans to SIDS or SFG
fer firencing SSIs.
4 WIE provided ty e aoneertium ef
banks.
e fer commercial berks refirenging the
bille redisacunted by SFC er SIDET
q Wihsorlptie: te bends lasued by NABARD
with the abjestiva of Firensing rnen-farm
labour,
CL
11.2 Sagrants of Priority Sauter Lending
2, fmell Sole Industries
4 deposita placed with SIDE by foreign
berks in Fulfillment ef shertfall in
attalning prierity sector targets.
q bank finance to HUDEO as a line of
credit for on-lending to ariisans,
handilesn weavers eta.
a loss fer setting up industriel
estates.
2, fmell Sole Industries
4 deposita placed with SIDE by foreign
berks in Fulfillment ef shertfall in
attalning prierity sector targets.
q bank finance to HUDEO as a line of
credit for on-lending to ariisans,
handilesn weavers eta.
a loss fer setting up industriel
estates.
11.2 Segments ef Prierity Sector Lending
2, fmell Sole Industries
@ sdverces to MI secter.
q manufacture ef common salt by sexy
process.
q small sale units engeged in skip
brerking / dlementling .
@ Wall soria lest festeries ungegel
merufseturing tem.
q water mills
2, fmell Sole Industries
@ sdverces to MI secter.
q manufacture ef common salt by sexy
process.
q small sale units engeged in skip
brerking / dlementling .
@ Wall soria lest festeries ungegel
merufseturing tem.
q water mills
11,2 Segments el Priority Seater Lending
3. @mell Reed £ Water Transport Operators
IRIS]
@ Advences to small xesd 5 water
trensport operators cuning a Fleet ef
net excesding ten vahloles, including
one thet is being £inanaad.
@ Adwernces to fer on-lending te
MITO entisfying priority sector norma
3. @mell Reed £ Water Transport Operators
IRIS]
@ Advences to small xesd 5 water
trensport operators cuning a Fleet ef
net excesding ten vahloles, including
one thet is being £inanaad.
@ Adwernces to fer on-lending te
MITO entisfying priority sector norma
11,2 Segments el Priority Seater Lending
4 Retell Trade
fi Retell traders dealing in essential
somredities & consumer ap-op stores.
M Belwete retell treders with oredit
limite not exoseding Be. 16 lakks.
@ Retell traders in fertilisers fall
under indirect finance 6 these of
mineral ells under amll business.
4 Retell Trade
fi Retell traders dealing in essential
somredities & consumer ap-op stores.
M Belwete retell treders with oredit
limite not exoseding Be. 16 lakks.
@ Retell traders in fertilisers fall
under indirect finance 6 these of
mineral ells under amll business.
11,2 Segments el Priority Seater Lending
&. Grell Business
@ individuels & firme mensging business
enterprise established for the purpose
ef providing servien with ospitel
equipment net > Es. 20 lekk.
Sedvences for saqeleltion, cometruction,
rexovetion of house beste & other
tourist easommedation,.
@ distribution of minerel ells,
®edvences to stamp vanders £ lottery
tichet agencies.
Gap Biever
&. Grell Business
@ individuels & firme mensging business
enterprise established for the purpose
ef providing servien with ospitel
equipment net > Es. 20 lekk.
Sedvences for saqeleltion, cometruction,
rexovetion of house beste & other
tourist easommedation,.
@ distribution of minerel ells,
®edvences to stamp vanders £ lottery
tichet agencies.
Gap Biever
11.2 Sagrants of Priority Sauter Lending
6. Professional € Self Inployed Persona
Lesns te professlenels & self expleyed
pesesza Laaluda
4 leans for purchase af equipment, tools,
mpelrs or zenowetion af premises, &
working arpital to sauuuntente,
engiresrs, sollelters, erchitests eta.
HN adverses o eserediied jeurmelisto,
Gareranen, whe free lencers.
6. Professional € Self Inployed Persona
Lesns te professlenels & self expleyed
pesesza Laaluda
4 leans for purchase af equipment, tools,
mpelrs or zenowetion af premises, &
working arpital to sauuuntente,
engiresrs, sollelters, erchitests eta.
HN adverses o eserediied jeurmelisto,
Gareranen, whe free lencers.
11.2 Segments ef Prierity Sector Lending
6. Professional € Self Inployed Persona
M finerclel sessigterce within osrtuin
overall limite 6 specifica limit fer
working orpltel
- to preeticing company secretaries.
- te individuals te zum “Health
centers”
- to qualified persons to set bewuty
parlers
- Dpreferene to be provided for
douters operating in rural egress.
Chapter [Ripa
6. Professional € Self Inployed Persona
M finerclel sessigterce within osrtuin
overall limite 6 specifica limit fer
working orpltel
- to preeticing company secretaries.
- te individuals te zum “Health
centers”
- to qualified persons to set bewuty
parlers
- Dpreferene to be provided for
douters operating in rural egress.
Chapter [Ripa
11,2 Segments el Priority Seater Lending
7, State Sponsored Orgeniestiens for
Scheduled Castes / Tribes
Adverces sercticned to state sponsored
tiens fer sckeduled onstes /
sobeduled tribes fer the spesifia
we thn en belles oh en eit the
end the merketing of outputs of
kensfloisries af these MM
7, State Sponsored Orgeniestiens for
Scheduled Castes / Tribes
Adverces sercticned to state sponsored
tiens fer sckeduled onstes /
sobeduled tribes fer the spesifia
we thn en belles oh en eit the
end the merketing of outputs of
kensfloisries af these MM
11.2 Sagrants of Priority Sauter Lending
®. Iduaation
à Edvuertionsl leere should include only
leans £ advances granted to individuals
[ but net institutions] for educational
purposes up to Rs. 7.5 lakhe for studies
in India 6 NM. 18 lekka for studies
abrend.
% Bormes For the identical purposes
qrented by banks under their schemes ere
eligible.
®. Iduaation
à Edvuertionsl leere should include only
leans £ advances granted to individuals
[ but net institutions] for educational
purposes up to Rs. 7.5 lakhe for studies
in India 6 NM. 18 lekka for studies
abrend.
% Bormes For the identical purposes
qrented by banks under their schemes ere
eligible.
11.2 Segments ef Prierity Sector Lending
8. Housing
Divest Fineness.
[1] Loera up to Ee. 18 lekhs in rural / semi,
urben, urben £ mebropeliten ares arens
for construction of houses br
individuels, Lozns by banks to their
exnpleyess ere encluded,
[ii] Learns for house rapelrs [| up to As. exe
lakh in zurel erees & Rs. two lakhs in
urban]
8. Housing
Divest Fineness.
[1] Loera up to Ee. 18 lekhs in rural / semi,
urben, urben £ mebropeliten ares arens
for construction of houses br
individuels, Lozns by banks to their
exnpleyess ere encluded,
[ii] Learns for house rapelrs [| up to As. exe
lakh in zurel erees & Rs. two lakhs in
urban]
11.2 Segments ef Prierity Sector Lending
8. Housing Direst Finance sent.
(iii) Loera granted by benke up to Rs. 5
lakhe fer aaquizing / constructing
houses or up to Rs. 10,002/- for thelr
repelre under Special Burel Housing of
SHB.
[iv] Irvestrent by keckes ¿in the morigege
becked securities thet setiefy NEI
conditions, if originel losne ere direst
keusing leuns under priority sector,
given by roveing finenge companias.
Gap Biever
8. Housing Direst Finance sent.
(iii) Loera granted by benke up to Rs. 5
lakhe fer aaquizing / constructing
houses or up to Rs. 10,002/- for thelr
repelre under Special Burel Housing of
SHB.
[iv] Irvestrent by keckes ¿in the morigege
becked securities thet setiefy NEI
conditions, if originel losne ere direst
keusing leuns under priority sector,
given by roveing finenge companias.
Gap Biever
11,2 Segments el Priority Seater Lending
8. Housing
Indixsot Finence
[1] assistance te any government agency for
cmetruotion ef houses ar for clearence
or rebebllitetion ef slum deusllers.
[ii] assistance te nen-gqevernmert agen
approved by NHB for refinence for
reconstruction ef houses or for slum
Glesrenoe 6 rshsbilitetion,
8. Housing
Indixsot Finence
[1] assistance te any government agency for
cmetruotion ef houses ar for clearence
or rebebllitetion ef slum deusllers.
[ii] assistance te nen-gqevernmert agen
approved by NHB for refinence for
reconstruction ef houses or for slum
Glesrenoe 6 rshsbilitetion,
11.2 Sagrants of Priority Sauter Lending
18, Goneunption Learns
Thess relate to losns grented
sommunlty under the
Consumption Credit Soteme,
18, Goneunption Learns
Thess relate to losns grented
sommunlty under the
Consumption Credit Soteme,
11,2 Segments el Priority Seater Lending
11, Losns to NGOs / Self Help Groups / Miore
credit
e leans provided by barks te NEUs/Siis fer en-
lending te MIS / merbers ef Slds / discrete
individuals ex small greups which exe in
the preeves ef forming inte SES,
e Tending to Sis is classified es bank's
lending te weaker seatien.
o Mor exedit granted directly ex indixestly
de priezity sauter finan.
11, Losns to NGOs / Self Help Groups / Miore
credit
e leans provided by barks te NEUs/Siis fer en-
lending te MIS / merbers ef Slds / discrete
individuals ex small greups which exe in
the preeves ef forming inte SES,
e Tending to Sis is classified es bank's
lending te weaker seatien.
o Mor exedit granted directly ex indixestly
de priezity sauter finan.
11.2 Sagrants of Priority Sauter Lending
12, Food & Agro Based Processing Sector
Fruit 6 wageteble processing industry.
Food grain milling industry.
Daizy preducts
Processing of poultry & eggs , mest
o Fish processing
12, Food & Agro Based Processing Sector
Fruit 6 wageteble processing industry.
Food grain milling industry.
Daizy preducts
Processing of poultry & eggs , mest
o Fish processing
11.2 Sagrants of Priority Sauter Lending
12, Food & Agro Based Processing Sector
o Red, ellsseds, mezcla, rendy te ent feed.
Oo Teobmical advice £ aseigtanee te feed
procsselng industry.
12, Food & Agro Based Processing Sector
o Red, ellsseds, mezcla, rendy te ent feed.
Oo Teobmical advice £ aseigtanee te feed
procsselng industry.
11,2 Segments el Priority Seater Lending
13, Software Industry
Lens te sofa industry with credit Limit
up te Re One oveze fren the berking industry
te ke inaluled wurden ¡prisrity seoter
Leaning.
14, Lessing & Hire Purskesa
Lansing, —hima jpurchese pere-herking
eativities undertaken deparimentelly y
13, Software Industry
Lens te sofa industry with credit Limit
up te Re One oveze fren the berking industry
te ke inaluled wurden ¡prisrity seoter
Leaning.
14, Lessing & Hire Purskesa
Lansing, —hima jpurchese pere-herking
eativities undertaken deparimentelly y
11,2 Segments el Priority Seater Lending
13, Loans te urben poor indebted te Non-
Institutienal lenders.
4 lema te distressed urban poor te prepay
their nen-institutierel lenders sre
included in priority sector.
4 Gerke to obtain appropriate eoslleterel
er group security & fellow guide lines
ef thelr Board al Directors.
13, Loans te urben poor indebted te Non-
Institutienal lenders.
4 lema te distressed urban poor te prepay
their nen-institutierel lenders sre
included in priority sector.
4 Gerke to obtain appropriate eoslleterel
er group security & fellow guide lines
ef thelr Board al Directors.
41.2 Targets far Aiscity Geeter Lending by
Main targets
a
foheduled benks ere to expend credit to
prierity seater and ensure thet advances
te this sector constitute 40% of their
total net oredit.
100 of tha nel eredit goss to
egriculturel, sector end 10% to tke
wanker section. 16 is given under
differential rete of interest scheme.
Main targets
a
foheduled benks ere to expend credit to
prierity seater and ensure thet advances
te this sector constitute 40% of their
total net oredit.
100 of tha nel eredit goss to
egriculturel, sector end 10% to tke
wanker section. 16 is given under
differential rete of interest scheme.
41.2 Targets far Aiscity Geeter Lending by
Mehasiuleni Gemmereial Berke $ Eeoluding ARMA]
Sub targeta
“ Gut ef 106 te sgeisultussl sector,
indirect Linares oennet be mara then
4.50. Iucess, if any, over 4.2% onnot
be ineluded fer limit of 1%, but sun be
imeluded in evemll limit ef 40%.
4 Advances to weeker section need to resdh
a level of 206 ef priority secter
advences or 104 of net bank credit.
Mehasiuleni Gemmereial Berke $ Eeoluding ARMA]
Sub targeta
“ Gut ef 106 te sgeisultussl sector,
indirect Linares oennet be mara then
4.50. Iucess, if any, over 4.2% onnot
be ineluded fer limit of 1%, but sun be
imeluded in evemll limit ef 40%.
4 Advances to weeker section need to resdh
a level of 206 ef priority secter
advences or 104 of net bank credit.
41.2 Targets far Aiscity Geeter Lending by
Batailles al Berke € Eeoluding MARS]
Bub tergets exi.
M Not less then 40% of the total edvences
qzented under DRI scheme hawa to go to
scheduled asste / tribes.
@ 66.6 & of DRI edwerces should ha granted
threugh rural end semi uxben branches.
Batailles al Berke € Eeoluding MARS]
Bub tergets exi.
M Not less then 40% of the total edvences
qzented under DRI scheme hawa to go to
scheduled asste / tribes.
@ 66.6 & of DRI edwerces should ha granted
threugh rural end semi uxben branches.
41.2 Targets far Aiscity Geeter Lending by
Seimivled Genmereial Berks { Eucluding NARRO]
Sub targets asztil.
@ 400 of the tetel oredit to small sole
industry hes te ge ta iaottiage
industries, RVI, artisans 6 tiny
industries with investment in meohinery
up to Re Five lekks.
Seimivled Genmereial Berks { Eucluding NARRO]
Sub targets asztil.
@ 400 of the tetel oredit to small sole
industry hes te ge ta iaottiage
industries, RVI, artisans 6 tiny
industries with investment in meohinery
up to Re Five lekks.
41.2 Targets far Aiscity Geeter Lending by
Seimivled Genmereial Berks { Eucluding NARRO]
Sub tergets asnhi.
@ 28 % of total credit te emll sole
industries should be grented to MT
unite with investrent between Rs 5 to ZB
lakhs.
“ Belenes 408 ara go to SSI units with
investments over Re. BE lakhs.
Seimivled Genmereial Berks { Eucluding NARRO]
Sub tergets asnhi.
@ 28 % of total credit te emll sole
industries should be grented to MT
unite with investrent between Rs 5 to ZB
lakhs.
“ Belenes 408 ara go to SSI units with
investments over Re. BE lakhs.
11,4 Tergets fer Foreign Berks
4 Minimum lending te prierity seater ky
foreign banke La fined at 328,
u As they de net have brenctes in rorel
India, they sen inalude their export
credit in thig límit,
@ Within thie limit et leust 10% edwences
be to the small scale industries & 12%
te export credit.
4 Minimum lending te prierity seater ky
foreign banke La fined at 328,
u As they de net have brenctes in rorel
India, they sen inalude their export
credit in thig límit,
@ Within thie limit et leust 10% edwences
be to the small scale industries & 12%
te export credit.
11,8 Deposits by Fareigz Berks with SIDRT
Towards Skhertfell in Priority Seoter
Lending
O In ose there is shertfell to ettein
stipulated targets / sub targets,
foreign benks exe required to deposit
amount equal te skertfell with SIDE.
@ Daposits meinteinsd for a period ef
three yeers 6, depending upon the
velume ef short fall, st the benk rete
te benk rete lesa three perosntage
oud fina
Towards Skhertfell in Priority Seoter
Lending
O In ose there is shertfell to ettein
stipulated targets / sub targets,
foreign benks exe required to deposit
amount equal te skertfell with SIDE.
@ Daposits meinteinsd for a period ef
three yeers 6, depending upon the
velume ef short fall, st the benk rete
te benk rete lesa three perosntage
oud fina
11.3 Deposits by Foreign Banks with SINE
Towards Shortfell in Priority Sector
Lending
V loss then 20 palais ew Rein
Va und above bus lows Shan
B & pelxts Bank Rete less 10
VA and akava hui lees then
B 4 pairs
VB 0 painis end howe
Towards Shortfell in Priority Sector
Lending
V loss then 20 palais ew Rein
Va und above bus lows Shan
B & pelxts Bank Rete less 10
VA and akava hui lees then
B 4 pairs
VB 0 painis end howe
11.3 Depeniós by Teseign Banks with SIM Coens
Shartfall in Friendly Seater Demi
Y Even if the foreign banks have Fulfilled
evarall target but not sub targets,
depesltse have to be exrrenged to mske
quad shartfells in euch sub target.
v In essa benk is unable te Fulfill beth
mein 6 sub targets then higher of
rands to be deposited.
Shartfall in Friendly Seater Demi
Y Even if the foreign banks have Fulfilled
evarall target but not sub targets,
depesltse have to be exrrenged to mske
quad shartfells in euch sub target.
v In essa benk is unable te Fulfill beth
mein 6 sub targets then higher of
rands to be deposited.
11.6 Contribution by Banke to Rurel
Infrastructure Deweleprent Fund [NIDF]
v Unlike foreign berks, domestia berks
umsble to settein the set targets fer
priority sector ere required deposit umsunte
in RIDF established with KABAND.
V Amounts to be deposited, eve decided
Bete of interest, after Union
Period ef deporte. budget engh,
year
Infrastructure Deweleprent Fund [NIDF]
v Unlike foreign berks, domestia berks
umsble to settein the set targets fer
priority sector ere required deposit umsunte
in RIDF established with KABAND.
V Amounts to be deposited, eve decided
Bete of interest, after Union
Period ef deporte. budget engh,
year
11,7 Mode ef Disbursement of Lorn
Banks are permitted to disburse all leans te
farmers in ash in order to
provide wider desler cholos.
eliminate undesirable preotioen.
footer an environment of trust.
Banks are permitted to disburse all leans te
farmers in ash in order to
provide wider desler cholos.
eliminate undesirable preotioen.
footer an environment of trust.
11.8 Repayment Schadule
Repayrent: sobedula has to be dream in a
ayatematio mener efter conaldering
o sustensnes requirements
o surplus generating anpesity
o the brezk even point
o the Lite ef the asset
Repayrent: sobedula has to be dream in a
ayatematio mener efter conaldering
o sustensnes requirements
o surplus generating anpesity
o the brezk even point
o the Lite ef the asset
11,9 Mates of Interest.
11.18 Peral Interest
la dhargeshle in anse ef default er non
sisnieslon of finensisl statements 6
return’.
The rates are to be desided by the Board of
Bizesters of exch Bank.
Peral interest is not chergesble te losns up
to Mu. 25,000/- in priority sauter,
la dhargeshle in anse ef default er non
sisnieslon of finensisl statements 6
return’.
The rates are to be desided by the Board of
Bizesters of exch Bank.
Peral interest is not chergesble te losns up
to Mu. 25,000/- in priority sauter,
11,11 Serwioe Charges / Inepection Charges
O Service or inspection fees ara not
chexgesble to losns up to Ms. 25,003/- in
priority seoter.
® Tor lena > Es 25,000/- muthority te
determine fees rests with the Boards of the
banks.
O Service or inspection fees ara not
chexgesble to losns up to Ms. 25,003/- in
priority seoter.
® Tor lena > Es 25,000/- muthority te
determine fees rests with the Boards of the
banks.
11.12 Insurance Agelnst Fira £ Other Risks
O la welved in anses of ell edverces up to
Re 10,000/- in the priority sector end
advances to BEI up to Re 23,000/-,
© If the provision of any lew makes
ineurence compulsezy [es in ose of
whioles] this relief is not upplicsble.
O la welved in anses of ell edverces up to
Re 10,000/- in the priority sector end
advances to BEI up to Re 23,000/-,
© If the provision of any lew makes
ineurence compulsezy [es in ose of
whioles] this relief is not upplicsble.
11.13 Photographe ef Rerrowers
E Benke ere free to demand photographs of
borrowers fer identi fiertion.
m This requirement must net delay the
presess of lean disbursement.
Mi The eosts be borne by banks when
borrower happens to belong to a mania
sestian’.
"the End I Next, Chapter 12,
* Rss Export Credit
E Benke ere free to demand photographs of
borrowers fer identi fiertion.
m This requirement must net delay the
presess of lean disbursement.
Mi The eosts be borne by banks when
borrower happens to belong to a mania
sestian’.
"the End I Next, Chapter 12,
* Rss Export Credit
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