ANDHRA PRAGATHI GRAMEENA BANK HEAD OFFICE :: KADAPA. Circular No BC-CD Date:
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1 ANDHRA PRAGATHI GRAMEENA BANK HEAD OFFICE :: KADAPA Circular No BC-CD Date: Security / norms for various Loans and Advances Cir. No BC CRRD Dt Attention of all Branches / Regional Offices is invited to our above circular, wherein security / margin norms for various loans and advances were communicated. In the recently held Regional Managers meeting and Branch Managers meetings, there have been representations to revise the security / margin norms in respect of certain loan schemes of the Bank so as to retain the existing customers and to attract new customers. After studying the existing security / margin norms of the Bank and also the security / margin norms being observed by other Banks in the area of operation, the proposal for revision of security / margin norms for certain loan schemes has been placed before the Board. The Board of Directors, in the meeting held on , after examination of the proposal, have permitted to revise the security / margin norms in respect of certain loans and advances schemes. The comprehensive security / margin norms applicable to all the loans and advances schemes effective from by incorporating the revisions, wherever effected are furnished in the annexure enclosed. For loans and advances other than mentioned in the circular, if any, the security / margin norms stipulated in the guidelines issued on the respective loan scheme are to be followed. Clarifications required, if any, on this circular may be sought from Credit Department, Head Office, Kadapa as per extant guidelines. (M.JAI PRAKASH) CHAIRMAN
2 ANDHRA PRAGATHI GRAMEENA BANK :: HEAD OFFICE :: KADAPA Existing & Revised Security/ norms proposed for various Loans and Advances w.e.f Sl. Scheme/ No. Purpose 1. Pragathi Kisan Credit Card/ Crop Loan Security / Surety norm a) Up to Rs.50000/- : a) I. Up to Rs.50000/- : No margin needs to be insisted on scale of finance approved by District Level Technical Committee. i) Hyp. of crops raised/ to be raised. b) Above Rs.50000/- : i) Mortgage of land with value of 150% of the loan amount. ii) Hypothecation of crops raised/ to be raised. i i) Hypothecation of crops raised / to be raised. II. Above Rs.50000/- i) Mortgage of land / other immovable property with value of 150% of the loan amount / 100% term deposits of our Bank. ii) Hypothecation of crops raised / to be raised. i b) To those farmers whose track record for the last 3 years is found good by repaying the loans regularly I. Up to Rs.75000/- : i) Hypothecation of crops raised / to be raised. II. Above Rs.75000/- i) Mortgage of land / other immovable property with value of 150% of the loan amount / 100% term deposits of our Bank. ii) Hypothecation of crops raised / to be raised. i Contd..ii
3 :: ii :: Sl. Scheme/ No. Purpose 2 Term loans for Agriculture where movable assets are created. (Excluding Farm Mechanisation) 3. Term loans for Agriculture, where moveable assets are not created Security/Surety norm a) Upto Rs.50000/- - a) Up to Rs.50000/- : No margin i) Hypothecation of assets created with the loan amount. b) Above Rs.50000/- - 15% - 25% b) Above Rs.50000/- : Above Rs.50000/- : a) Up to Rs.50000/- - No margin b) Above Rs.50000/- - 15% - 25% i) Hypothecation of assets created with the loan amount. ii) Mortgage of land with value of 150% of the loan amount. i a) Up to Rs.50000/- : i) One credit worthy surety. b) Above Rs.50000/- : i) Mortgage of land with value of 150% of the loan amount. i) Hypothecation of assets created with the loan amount. ii) Mortgage of land / other immovable property with value of 150% of the loan amount / 100% term deposits of our Bank. iii) One credit worthy surety Contd..iii
4 Sl. Scheme/ No. Purpose 4 Farm Mechanisation :: iii :: Security/Surety norm a) Up to Rs.50000/- : a) Upto Rs.4.00 lakhs a) Upto Rs.50000/- No margin b) Above Rs.50000/- 15% - 25% (as applicable to Ag. Term loans) 5. Produce loans 50% of the market value of the produce. 30% of the market value of produce i) Hyp. of assets created with the loan amount. b) Above Rs.50000/- : i) Hyp. of assets created with the loan amount. ii) Mortgage of land with value of 150% of the loan amount. i a. Upto Rs.2.00 lakhs : No collateral security i) Hyp. of Tractor /Power Tiller/Harvester/ Decordicator etc. financed ii)one credit worthy surety b) Above Rs.4.00 lakhs i) Hyp. of Tractor /Power Tiller/Harvester/ Decordicator etc. financed. iii) Mortgage of land/other immovable property with value of 100% of the loan amount / 100% term deposits of our bank. a. Upto Rs.3.00 lakhs : No collateral security b. Above Rs.2.00 lakhs : Collateral security having value equal to the produce loan amount. b. Above Rs.3.00 lakhs : Collateral security having value equal to the produce loan amount/ 100% term deposits of our Bank. Contd..iv
5 :: iv :: Sl. No. Scheme/ Purpose 6. Combined limit i.e. under ST- Agriculture and Term loan- Agriculture / Allied / DL (ISB) to a single party Security/Surety norm a)no margin up to Rs.50000/- under ST and up to Rs.50000/- under Term Loan. a) No margin up to Rs.50000/- under ST and up to Rs.50000/- under Term Loan / DL (ISB). Above Rs.1.00 lakhs (Combined limit) :15% to 25% a) Combined limit upto Rs.50000/- i) Hyp. of assets/stock. ii) One credit worthy surety. a) I) Combined limit upto Rs.1.00 lakhs {Rs. 50,000/- under ST Ag. and Rs.50,000/- under Ag Term/Allied/DL(ISB)} i) Hyp. of assets/stock. II) Combined limit above Rs.1.00 lakhs i) Mortgage of lands / other immovable property with value of 150% of the loan amount / 100% term deposit of our Bank. ii) Hypothecation of assets / stock. iii)one credit worthy surety. b) To those farmers whose track record for the last 3 years is found good by repaying the loans regularly. I) Combined limit upto Rs.1.25 lakhs {Rs. 75,000/- under ST Ag. and Rs.50,000/- under Ag Term/Allied/DL(ISB)} i) Hyp. of assets/stock. II) Combined limit above Rs.1.25 lakhs i) Mortgage of lands / other immovable property with value of 150% of the loan amount / 100% term deposit of our Bank.
6 ii) Hypothecation of assets / stock. iii)one credit worthy surety. Contd..v
7 :: v :: Sl. Scheme/ No. Purpose 7. Non Agricultural Loans - Non Farm Sector (Other than SME Sector) Security/Surety norm 25% a) Up to Rs /- : a) Up to Rs /- : i) Hyp. of stock. i) Hyp. of stock. b) Above Rs /- : b) Above Rs /- : i) Hypothecation of stock. i) Hypothecation of stock. ii) Mortgage of land or any other immovable property with value of 150% of the loan amount. i 8. SME Sector 15% to 25% a. Upto Rs.5.00 lakhs : ii) Mortgage of land or any other immovable property with value of 150% of the loan amount / 100% term deposits of our Bank. i No collateral security subject to coverage of the account under CGMSE b. Above Rs.5.00 lakhs & upto Rs lakhs: No collateral security based on good track record subject to coverage of the account under CGTMSE (with prior approval of the Regional Office). Contd..vi
8 :: vi :: Sl. Scheme/ No. Purpose 9. Vehicle Loans (2/3/4 wheelers) including SRTO Security/Surety norm a) Up to Rs.3 lakhs : SRTO loans also are covered under vehicle loans. i) Hypothecation of vehicle. a) Up to Rs.5 lakhs : 25% i) Hypothecation of vehicle. b) Above Rs.3 lakhs : i) Hypothecation of vehicle. b) Above Rs.5 lakhs : ii) Collateral security equal to 100% of loan amount. i) Hypothecation of vehicle. ii) Mortgage of land/ other immovable property with value of 100% of the loan amount / 100% term deposits of our Bank. 10. Housing Loans 15% a) In the case of construction of house: i i) Mortgage of the site and building to be constructed thereon. ii) One creditworthy surety. b) In the case of ready built house: i) Mortgage of the building to be purchased.
9 Contd..vii
10 Sl. Scheme/ Security/Surety norm No. Purpose 11. Education loans a) up to Rs.4 lakhs a) Up to Rs.4 lakhs : Parent / guardian shall join the transaction as Nil surety. b) above Rs.4 lakhs i) Studies in India: 5% ii) Studies abroad: 15% 12. SHGs a) Upto Rs.3.00 lakhs: NIL b) Above Rs.3.00 lakhs : 5% :: vii :: b) Above Rs.4 lakhs & Upto Rs.7.50 lakhs : Collateral security in the form of satisfactory 3 rd party guarantee acceptable to the bank apart from parent / guardian. c) Above Rs.7.50 lakhs: i) Collateral security equal to 100% of loan amount. ii) One credit worthy surety apart from parent / guardian. a) Up to Rs.5.00 lakhs Hypothecation of assets created b) Above Rs lakhs i) Hypothecation of assets created ii) Collateral security of adequate value (to the extent of amount exceeding Rs lakhs) in the form of insurance policy other marketable security, mortgage of immovable property. NOTE: The above security norm is not applicable for the loans sanctioned under GSS
11 like SGSY etc., Contd..viii
12 :: viii :: Sl. Scheme/ Security/Surety norm No. Purpose 13. MPML i. 50% of the value of the property in case of a) Mortgage of immovable property with a value of 200% of the residential buildings, commercial buildings and apartments. loan amount. b) One credit worthy surety ii. 25% of the value of the property in the case of vacant sites located in urban centres. ii. a) Mortgage of immovable property with a value of 135% of the loan amount. 14. Construction of School / 50% of the estimated b) One credit worthy surety Site and building / complex to be constructed College / Hostel buildings project cost thereon with value of 200% of the loan & Commercial complexes amount apart from other security like LIC / Lodges etc. policies, Bank deposits, NSC bonds etc., Wherever available Contd..ix
13 :: ix :: MAJOR CHANGES IN SECURITY NORMS: 1. Earlier, collateral security of land with value of 150% of the loan amount was stipulated for certain loan schemes viz., PKCC, Term (Ag.) (where movable assets are created), Farm Mechanisation, Produce loans, NFS. As per the revised security norms, other than agricultural land like buildings, house sites, our Bank deposits can be accepted as collateral security, wherever the applicants are unable to offer landed property as collateral security due to some problems like non-availability of required link documents / records to establish the title. 2. PKCC limits upto Rs.75000/- on hypothecation of crops. Earlier, PKCC limits upto Rs.50000/- were sanctioned against hypothecation of crops raised. Now, for farmers with good track record for the last 3 years, the limit has been enhanced to Rs.75000/- both under PKCC scheme and also under combined limit. 3. Farm Mechanisation: Earlier, collateral security of landed property with value of 150% was to be obtained for financing Tractors, Power tillers etc., wherever the loan amount exceeds Rs.50000/-. Now, the limit is enhanced to Rs.4.00 lakhs. In other words, loans under Farm Mechanisation upto Rs.4.00 lakhs can be sanctioned against hypothecation of the assets financed. Therefore, Branches have to identify farmers, whose track record has been very good, for financing under the scheme. Other norms like minimum land holding, minimum working hours, minimum implements to be purchased etc. shall continue to be in force. The relaxation in security norms has been considered to facilitate the Branches / Regional Offices to extend financial assistance to the genuine and the best farmer customers, who are unable to produce link documents etc., to establish the title to the landed property. Branches extending Tobacco finance, Sugarcane finance and other finance under Tie-up arrangements shall take maximum advantage of the scheme. Wherever the loan account becomes irregular, immediate steps for recovery shall be initiated. As usual the title deed book shall be obtained and kept along with the loan documents by making entry in pattadar pass book unfailingly. The loan proposals against hypothecation of assets financed under the scheme upto Rs.50,000/-can be considered at branch level and proposals of above Rs.50,000/- shall be submitted to the Regional Office for sanction. Contd..x
14 :: x :: 4. Vehicle loans (2/3/4 wheelers): Earlier, collateral security was to be obtained, wherever the loan amount exceeds Rs.3.00 lakhs. It is now enhanced upto Rs.5.00 lakhs. The relaxation is applicable to SRTO loans also. Wherever, the loan account becomes, irregular, immediate steps for recovery shall be initiated. 5. Sanctioning powers There are no changes in sanctioning powers communicated vide HO Circular No BC-CD dt except in the case of Farm mechanization. Eventhough sanctioning powers of Rs.3.00 lakh,rs.4.00 lakh and Rs.5.00lakh were delegated to the Branch Managers of Scale I,II and III respectively under Farm mechanization, proposals of above Rs.50,000/- and upto Rs.4.00 lakh considered against hypothecation of the assets financed without collateral security shall be sent to the Regional Office for sanction. The Regional Managers are permitted to sanction such loans. However, Branch Managers can exercise sanctioning powers delegated to them vide cir.no.91-bc-cd-2007 dt and consider loans under Farm mechanisation, wherever loans are sanctioned on hypothecation of assets financed besides collateral security with value of 100% of the loan amount. 6. Other aspects to be considered: All the branches and other functionaries shall follow the security norms scrupulously without any deviation while sanctioning the loans at their end. Further, the following points shall be taken into account while arriving at the per party limit. a) Limit sanctioned or outstanding balance whichever is higher in the case of short term loans (in the case of Crop loan/pragathi KCC, interest need not be taken into account till due date). b) Balance outstanding in the case of Medium Term and Long Term Loans. c) In the case of Government Sponsored loans, if the leftover balance in the loan a/c is equal to or less than the subsidy amount kept in Subsidy Reserve Fund (SRF) account, the leftover balance should not be taken into account while arriving at the per party limit. d) JLs/LDs/ODD/OSL(AS) sanctioned to a party may be excluded while arriving at the total liability/total per party limit. e) For loans/loan products other than those mentioned above, the existing margin and security/surety norms stipulated in the guidelines already shall apply. f) Agricultural loans can be considered separately to husband, wife, other family members wherever they own lands individually and possess separate pattadar pass books and title deed books, by observing security norms separately.
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