i) Revised Rate of Interest structure for MSE advances w.e.f :

Size: px
Start display at page:

Download "i) Revised Rate of Interest structure for MSE advances w.e.f :"

Transcription

1 Interest Rates linked to Base Rate: 1. Micro and Small Enterprises (MSE): i) Revised structure for MSE advances w.e.f : a. Advances to Micro & Small Enterprises covered under CGTMSE Category Limits up to Rs (new sanctions w e f under MSE Including MUDRA Loan ) Limits above Rs and up-to Rs Rate of interest Base Rate (9.70%) (w.e.f ) 2.00% For loans above Rs interest rate will be governed as per Risk Based Pricing Framework. In respect of advances having total limits above Rs s, Credit Rating will have to be done as per extant guidelines. RoI will not be linked to Credit Rating for advances to MSE having total limits upto Rs s and covered under CGTMSE. However, Credit Risk Rating (CRR) will continue to be done for risk perception in respect of advances having total limits above Rs.2.00 and upto to Rs b. Advances to Micro & Small Enterprises NOT covered under CGTMSE Category Limits up to Rs (new sanctions w e f under MSE Including MUDRA Loan ) Limits above Rs and above Rate of interest Base Rate(9.70%)(w.e.f ) As per Risk Based Pricing Framework a. c. Advances to Micro and Small Enterprises having limits (Fund + Non fund) more than Rs upto Rs as per internal rating: Revised Rate of interest (w.e.f ): Internal Rating Rate of interest for more than Rs to Rs (including loans above Rs to Rs not eligible to be covered under CGTMSE) Rate of interest for More than Rs.100 & upto Rs.500 AAA 1.75% 1.75% AA 2.25% 2.25% A 3.00% 3.25% BBB 3.50% 3.75%

2 BB 4.25% 4.50% B & C 5.00% 5.25% (ii) Advances to Micro and Small Enterprises having limits (Fund + Non fund) above Rs and below Rs as per external rating: Revise Rate of interest (w.e.f ) External Rating Rate of interest AAA 1.00% AA 1.75% A 2.25% BBB 2.50% BB 3.50% B, C & D 4.50% Unrated 3.50% In addition to the above, to incentives and attract better asset quality of Priority lending, the additional discount/reduction in rate of interest based on percentage of Collateral security offered by the borrowing MSE unit as under Percentage collateral security offered Discount / reduction in rate of interest More than 50% to 75% 0.25% More than 75% to 100% 0.50% More than 100% 0.75% i) Scheme for Financing to Trade, Service & MSE (loan against property): loan against security of Property /NSC/KVP/ Bank TDR/ Other paper security Loan under Priority Sector 3.25% Loan under Non-Priority Sector 4.00% ii) Special scheme for financing Doctors, Chartered Accountants, Engineers and Architects: Loan amount Loan upto Rs % Loan above Rs. 100 and upto Rs % Loan above Rs. 200 and upto Rs %

3 iii) Special scheme for financing Transport Operators (Mahabank Transport operator Loan scheme.) Loan amount ( For New Vehicle) Loan upto Rs % Loan above Rs. 25 and upto Rs % Loan above Rs. 100 and upto Rs % v) Only for existing accounts Loan amount ( For old Vehicle) Loan upto Rs % Loan above Rs. 25 and upto Rs % Loan above Rs. 100 and upto Rs % 2. RETAIL LOAN: i. Housing Loan: The housing loan accounts sanctioned prior to under the regular Housing Loan Scheme and housing loans other than those falling under the scope of MAHA SUPER Housing loan scheme. Tenor/ Amount Up to and inclusive of 5 years Up to Rs Base Rate Above Rs & up to Rs Base Rate Floating Option Above Rs & less than Rs % Rs & above 0.75% Above 5 years and up to and inclusive of 10 years 0.20% 0.25% 1.00% 1.25% Above 10 years but below & inclusive of 20 years 0.30% 0.50% 1.25% 1.50%

4 Maha Super Housing Loan Scheme: For construction / acquiring of new or existing house/flat and extension of existing house/flat Amount/ Tenor For Deduction up to 60% For deduction above 60% & up to 65% Repayment up to 30 Repayment up to 30 years years Rate of Interest w.e.f (Floating) Up to Base Rate 0.25 Rs Above Base Rate 0.25 Rs to Above Interest will be charged on daily basis with Monthly Rests. Maximum 36 months Moratorium period is allowed, however interest may be capitalized for a maximum period of 18 months. Interest to be serviced as and when applied. Interest capitalization request may be considered by maintaining the necessary margin and in no case the LTV should be more than 80% for loans above Rs.20.00s. Maha Super Housing Loan Scheme: Purchase of Plot & construction thereon: Amount/ Tenor For Deduction up to 60% Repayment up to 30 years For deduction above 60% & up to 65% Repayment up to 30 years Rate of Interest w.e.f (Floating) Up to Rs Above Rs to Above 300 Base Rate 0.25 Base Rate In case of purchase of plot, interest rate will be charged at 2.00% over and above the regular ROI applicable for the Housing Loan.

5 Customer will be refunded with 50% (half of 2.00%) of the above interest charged in case the construction of the house on the plot thereon is completed within the stipulated period of 3 years on submission of completion certificate. After submission of completion certificate normal rate of interest will be applicable i.e. as per the applicable ROI for Housing Loan. Penal interest to be 2% after completion of 3 years with a right of recall, if construction is not completed within this period or the borrower defaults in constructing the house Interest will be charged on daily basis with Monthly Rests. Maximum 36 months Moratorium period is allowed, however interest may be capitalized for a maximum period of 18 months. Interest to be serviced as and when applied. Interest capitalization request may be considered by maintaining the necessary margin and in no case the LTV should be more than 80% for loans above Rs.20.00s. Maha Super Housing Loan Scheme: for repairs/renovation/alteration of existing house/flat for new standalone borrowers : Rate of Interest (Floating) Amount ROI Up to Rs % Above Rs % Interest will be charged on daily basis with Monthly Rests. i) Vehicle Loan: The vehicle loan sanctioned prior to Tenor Repayment up to 3 years 1.25% Repayment above 3 years 2.25% Second hand Vehicles irrespective of Tenor 5.00% ii) Maha Super Car Loan : Tenor Repayment up to 7 years( New Vehicle) 0.50 %

6 Note: % discount in applicable interest rate will be given to Existing Housing Loan / MSME & Corporate borrowers /Corporate Acount holders/ Professional & Self Employed Borrowers, having minimum standing of 1 years relationship with our Bank. 2-In case of housing loan borrowers whose account remained continuously in standard category for five years and above, rate of interest will be at discount of 0.50%. iii) Mahabank Vehicle Loan: Consequent to the introduction of Maha Super Car Loan scheme the below mentioned is applicable for purchasing of two wheeler & second hand car Mahabank Vehicle Loan 0.75% iv) Consumer Loan: Mahabank Consumer Loan Scheme: Mahabank Consumer Loan Scheme (prior to ) Mahabank Consumer Loan Scheme (W.E.F ) 5.50% 5.00% (1% concession for existing Housing loan borrowers or Corporate salary account holder) v) Aadhar Loan: Mahabank Aadhar Loan Scheme vi) Personal Loan: Mahabank Consumer Loan Scheme (prior to ) Mahabank Consumer Loan Scheme (W.E.F ) 3.00% 6.00% 5.50% (1% concession for existing Housing loan borrowers or Corporate salary account holder) vii) Salary Gain Scheme: Mahabank Salary Gain Scheme

7 3.50% viii) Education Loan Scheme: Amount of Loan Upto 4 Lakhs 2.50% Above 4 Lakhs & upto 7.50 s 2.00% Above 7.50 Lakhs 1.25% Note: The maximum discount to the extent of 0.50% P.A. is allowed in the Education loan Scheme. The benefit of above discounts are available only to the new applicants please refer our circular AX1/PSRC/Cir.2110 /13-14dated 26 th December, ix) Loan against security of NSC / KVP / LIC Policy / RBI Relief Bonds: Advances granted against security of NSC / KVP / LIC Policy / RBI Relief Bonds: 3.00% x) Advances against security of Units of Mutual funds / Shares and Debentures/ Other approved Govt. Securities / Money Market Mutual Funds (MMMF): Advances granted against security of Units of Mutual funds / Shares and Debentures/ Other approved Govt. Securities / Money Market Mutual Funds (MMMF): 7.50% xi) Solar Water Heating Systems: Particulars Domestic users 4.00% Institutional users 4.00% Industrial / commercial users 4.00% xii) Mahabank Gold Loan Scheme: Particulars For Agriculture loans (i) For loans eligible under interest subvention scheme: 7.00% 7.00% (ii) For other Agricultural loans For Gold loans other than Agriculture purpose (i) For General Public 3.00 % (ii) For Senior citizens 2.50 % As per applicable for Agri loans

8 Loan against Hallmark Gold jewellery Concession of 0.25% over rates mentioned above, except loans eligible under interest subvention scheme. xiii) Mahabank Top-up Loan Scheme: Particulars For Repair / Renovation / extension of house 1.25% For other purpose 0.75% 3. Agriculture: i. Agriculture Cash Credit / Working Capital Limits* / Term Loans Size of Advance Up to Rs.50000/- 0.75% Above Rs.50000/-& up to Rs % Above Rs.2 & up to Rs % Above Rs % *Short term production credit up to Rs to Farmers where interest subvention is available Advances under Mahabank Krishi Shakti Yojana for selected districts & selected crops as per guidelines 7.00% (Fixed). If loan remains unpaid after cutoff date/period stipulated as per Interest Subvention Scheme, applicable rate of interest will be applicable as per above slabs. 1.25% ii) Advances to FSCS / PACS /LAMPS: Size of Advance Up to Rs.25000/- 1.00% Above Rs.25000/- 1.50% iii) Advances to Self Help Groups (SHGs): Particulars For single SHG 1.50% For Federations / NGOs 1.00% **********

Exposure slab Up to Rs.10 lakh Exposure slab Up to Rs. 25 lakh MSEs MCLR + BSS MSEs MCLR % + BSS Non MSEs MCLR + 1% + BSS Non MSEs

Exposure slab Up to Rs.10 lakh Exposure slab Up to Rs. 25 lakh MSEs MCLR + BSS MSEs MCLR % + BSS Non MSEs MCLR + 1% + BSS Non MSEs Interest rate Linked to : 1. Slab wise rate of interest for exposure up to Rs 25 Lakh Existing ROI Revised ROI* Exposure slab Up to Rs.10 lakh Exposure slab Up to Rs. 25 lakh MSEs + BSS MSEs + 1.75% +

More information

Personal Segment Loan Products

Personal Segment Loan Products Personal Segment Loan Products Rate of under with effect from 03/12/2018 1. Home Loan Product Home Loan - Floating Home Loan - Fixed Plot Loan HL under CRE Sub- Category Upto Rs. 75.00 Lakh 8.75% 0.00%

More information

/Head Office. Sl. Rate of Interest (linked with MCLR- Y) MCLR-Y=8.60% w.e.f Category of Advance

/Head Office. Sl. Rate of Interest (linked with MCLR- Y) MCLR-Y=8.60% w.e.f Category of Advance 龸 ؼ 맘 κꔰؼ 퀍ᅧ퀍 κ フィート䁯 맘 /United Bank of India 맘 ؼ ᅧ맘맘 /Head Office Rate of interest Chart on various categories of loans and advances linked with MCLR MCLR internal benchmark rate for different maturities

More information

1. RATE OF INTEREST IN CASE OF RUPEE EXPORT CREDIT. % age per annum 1. Pre-Shipment Credit a) Upto 180 days OBC 1 to 3: BR+0.50% OBC 4 to 6: BR+0.

1. RATE OF INTEREST IN CASE OF RUPEE EXPORT CREDIT. % age per annum 1. Pre-Shipment Credit a) Upto 180 days OBC 1 to 3: BR+0.50% OBC 4 to 6: BR+0. 1. RATE OF INTEREST IN CASE OF RUPEE EXPORT CREDIT Annexure IV Category of Export Credit Rate of Interest on advances % age per annum 1. Pre-Shipment Credit a) Upto 180 days OBC 1 to 3: BR+0.50% OBC 4

More information

Interest Rates based on one year MCLR w.e.f

Interest Rates based on one year MCLR w.e.f 1. Bank's Base Rate (BR) w.e.f. 05.10.2015 is 9.70% 2. Bank's Benchmark Prime Lending Rate (BPLR) w.e.f. 05.10.2015 is 13.95% 3. Marginal cost of Fund Based Lending Rate (MCLR) w.e.f 10.05.2017 (i) (ii)

More information

TMB MSME CREDIT SCHEME

TMB MSME CREDIT SCHEME TMB MSME CREDIT SCHEME PARAMETERS Purpose Coverage SCHEME GUIDELINES To provide Bank Credit to MSME at liberalized terms towards working capital and term loan for acquiring fixed assets All Micro, Small

More information

RETAIL & MSME LOANS - INTEREST RATE LINKED TO MCLR I. RETAIL LOANS

RETAIL & MSME LOANS - INTEREST RATE LINKED TO MCLR I. RETAIL LOANS RETAIL & MSME LOANS - INTEREST RATE LINKED TO MCLR I. RETAIL LOANS 1. HOUSING LOANS i SyndNivas ii SyndKuteer (Scheme For Economically Weaker Section (EWS) and Low Income Group (LIG) Category) iii iv Tie-Up

More information

INTEREST RATE FOR MICRO & SMALL ENTERPRISES (MSE) MSE PSL cases (without exposure ceiling) & MSE non-psl cases (for exposure up to 5 crore)

INTEREST RATE FOR MICRO & SMALL ENTERPRISES (MSE) MSE PSL cases (without exposure ceiling) & MSE non-psl cases (for exposure up to 5 crore) INTEREST RATE FOR MICRO & SMALL ENTERPRISES (MSE) MSE PSL cases (without exposure ceiling) & MSE non-psl cases (for exposure up to 5 crore) 1. Indicative Rate of Interest (ROI) structure (per annum) A.

More information

ANNEXURE - I SCHEDULE OF INTEREST RATE ON LOANS AND ADVANCES Base 10.50% w.e.f

ANNEXURE - I SCHEDULE OF INTEREST RATE ON LOANS AND ADVANCES Base 10.50% w.e.f ANNEXURE - I SCHEDULE OF INTEREST RATE ON LOANS AND ADVANCES WORKING CAPITAL LIMITS AND TERM LOANS Advances upto Rs.25 Lacs Term loan & Working Capital - Priority BR + 3.25% - Non-Priority BR + 4% - NBFCs

More information

Non-Trade: Working Capital & Term loans. Spread Effective Lending

Non-Trade: Working Capital & Term loans. Spread Effective Lending Non-Trade: Working Capital & Term loans Table- (i) a. Aggregate Limits :> Rs. 500 crore SB-1 8.15% 2.00% 0.75% 8.90% SB-2 8.15% 2.00% 0.75% 8.90% SB-3 8.15% 2.50% 1.50% 9.65% SB-4 8.15% 2.50% 1.50% 9.65%

More information

# no other component to be added over and above these three components like tenor premium etc.

# no other component to be added over and above these three components like tenor premium etc. Bank of India Head Office CORPORATE CREDIT Department MARGINAL COST OF FUND BASED LENDING RATES (MCLR) Revision in Credit Spread w.e.f. 01.01.2017. ---------------------------------------------------------------------------------------------

More information

Above Annexure for interest for Deposits and on advances existing as well as revised w.e.f in our Bank are enclosed.

Above Annexure for interest for Deposits and on advances existing as well as revised w.e.f in our Bank are enclosed. The details of revised rates are as per annexure listed below: Sr. No. Annexure Particulars 1 Annexure A Rate of Interest for Deposits 2 Annexure B Rate of Interest on Priority Sector Loans 3 Annexure

More information

Revision in Base Rate w.e.f

Revision in Base Rate w.e.f Bank of India Head Office CORPORATE CREDIT Department Revision in w.e.f. 31.03.2017 ---------------------------------- 1. has been revised from 9.65% to 9.55% p.a. w.e.f. 31.03.2017. 2. BPLR continues

More information

CREDIT GUARANTEE FUND SCHEME FOR EDUCATION LOANS (CGFSEL) CHAPTER I

CREDIT GUARANTEE FUND SCHEME FOR EDUCATION LOANS (CGFSEL) CHAPTER I CREDIT GUARANTEE FUND SCHEME FOR EDUCATION LOANS (CGFSEL) INTRODUCTION 1. Title and date of commencement CHAPTER I (i) The Scheme shall be known as the Credit Guarantee Fund Scheme for Education Loan (CGFSEL).

More information

SCHEDULE OF INTEREST RATE ON LOANS AND ADVANCES Base 10.40% w.e.f

SCHEDULE OF INTEREST RATE ON LOANS AND ADVANCES Base 10.40% w.e.f SCHEDULE OF INTEREST RATE ON LOANS AND ADVANCES WORKING CAPITAL LIMITS AND TERM LOANS Advances less than & including Rs.25 Lacs Term loan & Working Capital - Priority - Non-Priority - NBFCs [excl Micro

More information

CREDIT GUARANTEE FUND SCHEME FOR NBFCs CGS(II) CHAPTER I INTRODUCTION

CREDIT GUARANTEE FUND SCHEME FOR NBFCs CGS(II) CHAPTER I INTRODUCTION Annexure I CREDIT GUARANTEE FUND SCHEME FOR NBFCs CGS(II) CHAPTER I INTRODUCTION The Board of Trustees of Credit Guarantee Fund Trust for Micro and Small Enterprises, having decided to frame a Scheme for

More information

PRIORITY SECTOR LENDING - RRB

PRIORITY SECTOR LENDING - RRB PRIORITY SECTOR LENDING - RRB Priority Sector lending includes lending to those sectors that impact large sections of the population, the weaker sections and the sectors which are employment-intensive

More information

STATEMENT-7. Statement on CRAR

STATEMENT-7. Statement on CRAR STATEMENT-7 Statement on CRAR Name Of The Bank :- Quarter ended: Part A - Capital Funds and Risk Assets Ratio I A Capital Funds Tier I Capital elements (a) Paid-up Capital Less: Intangible assets and losses

More information

THE TAMILNADU INDUSTRIAL INVESTMENT CORPORATION LIMITED CITIZENS CHARTER

THE TAMILNADU INDUSTRIAL INVESTMENT CORPORATION LIMITED CITIZENS CHARTER THE TAMILNADU INDUSTRIAL INVESTMENT CORPORATION LIMITED 1. Introduction: CITIZENS CHARTER The Tamilnadu Industrial Investment Corporation Limited (TIIC) is a Government Company incorporated under The Companies

More information

Advance Related Service Charges ( C&I, SME and AGL Segments) Existing Charges. Fund Based + Non-fund based limits: Up to Rs.

Advance Related Service Charges ( C&I, SME and AGL Segments) Existing Charges. Fund Based + Non-fund based limits: Up to Rs. 1 (a) Loan Processing Charges (other than ABU) (To be charged on Adhoc limits also) (Applicable also to loans under Consortium arrangement, to the extent of our share) (For food processing industry, the

More information

FAIR PRACTICES CODE I) APPLICATION FOR LOANS & ADVANCES AND SCHEDULE OF CHARGES

FAIR PRACTICES CODE I) APPLICATION FOR LOANS & ADVANCES AND SCHEDULE OF CHARGES FAIR PRACTICES CODE I) APPLICATION FOR LOANS & ADVANCES AND SCHEDULE OF CHARGES 1) The bank considers sanction of credit facilities to various types of borrowers, if such a request is received from them.

More information

TABLE A-I: Limits from Rs.10 Lakh TO < Rs.1 Crore. TABLE A-II: Rs. I CRORE TO < Rs 5 Crore

TABLE A-I: Limits from Rs.10 Lakh TO < Rs.1 Crore. TABLE A-II: Rs. I CRORE TO < Rs 5 Crore SMALL & MEDIUM ENTERPRISES STRATEGIC BUSINESS UNIT Revision in w.e.f. 30.04.2015 MICRO ENTERPRISES TABLE A: For limits below Rs.10 Lakh SANCTIONED LIMIT Proposed UP TO 50000 0.00 To continue 50000 TO

More information

ANDHRA PRAGATHI GRAMEENA BANK HEAD OFFICE :: KADAPA. Circular No BC-CD Date:

ANDHRA PRAGATHI GRAMEENA BANK HEAD OFFICE :: KADAPA. Circular No BC-CD Date: ANDHRA PRAGATHI GRAMEENA BANK HEAD OFFICE :: KADAPA Circular No.207-2009-BC-CD Date: 12.09.2009 Security / norms for various Loans and Advances Cir. No. 15-2006 BC CRRD Dt. 25.06.2006 Attention of all

More information

Documents required for CUB JEWEL LOAN

Documents required for CUB JEWEL LOAN Documents required for CUB JEWEL LOAN Demand Promissery Note Hypothecation Agreement Pledge Agreement Rates & Other Charges : Annexure II A. Rate of Interest on Advances for Agricultural purposes: Sl.

More information

CREDIT GUARANTEE FUND SCHEME FOR SKILL DEVELOPMENT (CGFSSD) CHAPTER I

CREDIT GUARANTEE FUND SCHEME FOR SKILL DEVELOPMENT (CGFSSD) CHAPTER I CREDIT GUARANTEE FUND SCHEME FOR SKILL DEVELOPMENT (CGFSSD) INTRODUCTION CHAPTER I 1. Title and date of commencement (i) The Scheme shall be known as the Credit Guarantee Fund Scheme for Skill Development

More information

Penalty for delayed repayment s. Nil * 0.25% of the balance outstanding / Drawing power whichever is higher

Penalty for delayed repayment s. Nil * 0.25% of the balance outstanding / Drawing power whichever is higher A. Retail s Product Easy Cash (against securities other than deposits) PF/ Admn fee (excluding Taxes) 0.15% of limit, subject to minimum Rs. 150.00 Prepayment / Pre-closure charges Penalty for delayed

More information

Advance Related Service Charges ( C&I, SME and AGL Segment) Item Existing Charges (Excluding Service Tax) Revised Charges (Excluding Service Tax)

Advance Related Service Charges ( C&I, SME and AGL Segment) Item Existing Charges (Excluding Service Tax) Revised Charges (Excluding Service Tax) Item Existing Charges Revised Charges 1 Loan Processing Charges (To be charged on Adhoc limits also) ( Applicable also to loans under Consortium arrangement) Fund Based + n-fund based limits: Up to Rs.

More information

Documents required for CUB HOUSING LOAN

Documents required for CUB HOUSING LOAN Documents required for CUB HOUSING LOAN PAN Card Voter ID Ration Card Driving Licence Passport Employment Details Salary Certificate Income Proof Quotation from the vendor Construction Agreement (for House

More information

CREDIT GUARANTEE FUND SCHEME FOR MICRO AND SMALL ENTERPRISES INDEX

CREDIT GUARANTEE FUND SCHEME FOR MICRO AND SMALL ENTERPRISES INDEX CREDIT GUARANTEE FUND SCHEME FOR MICRO AND SMALL ENTERPRISES INDEX Chapter Section Title Page I II III IV V VI INTRODUCTION No(s) 1 Title and date of commencement 1 2 Definitions 1-2 SCOPE AND EXTENT OF

More information

Penalty for delayed repayment s. Nil * 0.25% of the balance outstanding / Drawing power whichever is higher

Penalty for delayed repayment s. Nil * 0.25% of the balance outstanding / Drawing power whichever is higher A. Retail s Product Easy Cash (against securities other than deposits) PF/ Admn fee (excluding Taxes) 0.15% of limit, subject to minimum Rs. 150.00 Prepayment / Pre-closure charges Penalty for delayed

More information

Investment Proof Submission Guidelines FY Provisions under the Income Tax Act of India and documents to be submitted

Investment Proof Submission Guidelines FY Provisions under the Income Tax Act of India and documents to be submitted Investment Proof Submission Guidelines FY 2017-18 Provisions under the Income Tax Act of India and documents to be submitted List of documents to be submitted as proofs of investment under relevant sections

More information

Income Recognition, Asset Classification and Provisioning ( ) (UCB)

Income Recognition, Asset Classification and Provisioning ( ) (UCB) Income Recognition, Asset Classification and Provisioning (2010-2011) (UCB) Compiled by CA. Sudhir Vaidya Compiled by Spandane 2 Income Recognition, Asset Classification and Provisioning (2010-2011) (UCB)

More information

ANDHRA PRAGATHI GRAMEENA BANK HEAD OFFICE : KADAPA

ANDHRA PRAGATHI GRAMEENA BANK HEAD OFFICE : KADAPA ANDHRA PRAGATHI GRAMEENA BANK HEAD OFFICE : KADAPA Circular No.248-2008-BC-CD Date:02.12.08 CREDIT RISK RATING SYSTEM Attention of all the Branches / Regional Offices / Societies is drawn to the captioned

More information

Existing KYC No. Udyog Aadhar No./Passport No./ Voter ID/ Driving Licence/Others. Passport No./ Driving Licence. Expiry Date

Existing KYC No. Udyog Aadhar No./Passport No./ Voter ID/ Driving Licence/Others. Passport No./ Driving Licence. Expiry Date Existing KYC No. Udyog Aadhar No./Passport No./ Voter ID/ Driving Licence/Others Passport No./ Driving Licence. Expiry Date Spouse Name Co-Applicant / Guarantor Photograph Existing KYC No. Existing Cust

More information

Paper 7 Applied Direct Taxation Time Allowed: 3 hours Full Marks: 100

Paper 7 Applied Direct Taxation Time Allowed: 3 hours Full Marks: 100 Paper 7 Applied Direct Taxation Time Allowed: 3 hours Full Marks: 100 All the questions relate to the assessment year 2014-15, unless stated otherwise. Working notes should form part of the answers. Answer

More information

Home Loan Offer for Residents and NRIs - Introduced w.e.f to

Home Loan Offer for Residents and NRIs - Introduced w.e.f to MAIN: ADV-56 /2012-13 DT. 24-08-2012 a SUB : CRMKTG - 13 CO/PERSONAL BANKING DEPARTMENT FILE M- 2 S- 204 Home Loan - 2012 Offer for Residents and NRIs - Introduced w.e.f. 25.08.2012 to 31.10.2012 With

More information

file:///j:/data/profile%20redirected%20folders/desktop/shareholding%20pattern%20...

file:///j:/data/profile%20redirected%20folders/desktop/shareholding%20pattern%20... Page 1 of 8 General information about company Scrip code 500211 Name of the company Insilco Limited Class of Security Equity Type of report Quarterly Quarter Ended 31-12-2015 Date of allotment / extinguishment

More information

Acceptance of Deposits by Companies - CA.B. Kalyan Srinath,

Acceptance of Deposits by Companies - CA.B. Kalyan Srinath, Acceptance of Deposits by Companies - CA.B. Kalyan Srinath, sbkalyan@gmail.com 1. Introduction: The Companies Act, 2013 was assented by the President of India on 29, August 2013 and Published in the Official

More information

STAFF HOUSING LOAN SCHEME. Officers Confirmed Officers who have completed 2 years of continuous service in the Bank.

STAFF HOUSING LOAN SCHEME. Officers Confirmed Officers who have completed 2 years of continuous service in the Bank. a STAFF HOUSING LOAN SCHEME Annexure (A) ELIGIBILITY CRITERIA: Officers Confirmed Officers who have completed 2 years of continuous service in the Bank. The Sanctioning Authority may relax the above condition

More information

Contents. iii v. Syllabus for the NBFC course Chapters MODULE A : CHAPTER 1. Foreword Recommended reading

Contents. iii v. Syllabus for the NBFC course Chapters MODULE A : CHAPTER 1. Foreword Recommended reading Contents Foreword Recommended reading Syllabus for the NBFC course Chapters iii v vii ix MODULE A : Indian Financial System and regulatory requirements for NBFCs CHAPTER 1 Indian financial system - An

More information

SECTION IV LOANS TO AWARD STAFF. Compiled by: Bank of India Employees' Union (Jharkhand State)

SECTION IV LOANS TO AWARD STAFF. Compiled by: Bank of India Employees' Union (Jharkhand State) SECTION IV LOANS TO AWARD STAFF Transfer of Staff Loan A/cs : In case of Transfer of staff: - Procedure Amendments Pl Ref circular No: 99/91 Dt. 12.09.2005, 99/65 Dt. 21.07.05, HL A/c: 88/47 Dt. 29.06.94

More information

FREQUENTLY ASKED QUESTIONS ON BANK CREDIT FACILITATION SCHEMES FOR MSME LOANS

FREQUENTLY ASKED QUESTIONS ON BANK CREDIT FACILITATION SCHEMES FOR MSME LOANS FREQUENTLY ASKED QUESTIONS ON BANK CREDIT FACILITATION SCHEMES FOR MSME LOANS 1. Question: What is Bank Credit Facilitation Scheme? To meet the credit requirements of MSME units NSIC has entered into a

More information

PRUDENTIAL NORMS ON INCOME RECOGNITION, ASSET CLASSIFICATION

PRUDENTIAL NORMS ON INCOME RECOGNITION, ASSET CLASSIFICATION PRUDENTIAL NORMS ON INCOME RECOGNITION, ASSET CLASSIFICATION Out of order status An out of order account is one in which the outstanding balance remains continuously in excess of the sanctioned limit/drawing

More information

Bankers Committee (SLBC) held on 23 rd September, 2014 at J&K Bank Zonal Office

Bankers Committee (SLBC) held on 23 rd September, 2014 at J&K Bank Zonal Office Corporate Headquarters T +91 (0)194 2481925 E convenorbank@jkbmail.com M A Road, Srinagar 190001 F +91 (0)194 2481925 W www.jkbank.net Lead Bank/ SLBC (J&K) Ref. No. LBD/SLBC-SPL/2014-211 All Members of

More information

SIRC of ICAI. Bank Branch Audit - IRAC Norms & 1

SIRC of ICAI. Bank Branch Audit - IRAC Norms & 1 SIRC of ICAI Bank Branch Audit - IRAC Norms & 1 Assets Classification Whether need to verify following loans Agricultural gold loans sanctioned in last 2 years Loans against KVP, NSC, IVP, LIC, FD if dues

More information

RATE OF INTEREST UNDER RETAIL CREDIT PRODUCTS w.e.f

RATE OF INTEREST UNDER RETAIL CREDIT PRODUCTS w.e.f RATE OF INTEREST UNDER RETAIL CREDIT PRODUCTS w.e.f 0.0.07 SL. NO. 3 4 ALL BANK AASHIANA (Home Loan Product) HOUSING FINANCE FOR NRI/PIO PREMIUM HOUSING FINANCE FOR HIGH NET WORTH INDIVIDUALS (HNIs) (for

More information

Recent Government Scheme related to Personal Finance

Recent Government Scheme related to Personal Finance Recent Government Scheme related to Personal Finance Jitendra Panwar B.Com CA CS TaxIndiaUpdates Recent Govt. Scheme related to Personal Finance Sovereign Gold Bonds Scheme Gold Monetization Schemes Sukanya

More information

Rate of Interest for existing Rupee Export Credit (Linked to BR) Part I Base Rate (BR) 9.50% 9.50%

Rate of Interest for existing Rupee Export Credit (Linked to BR) Part I Base Rate (BR) 9.50% 9.50% Part I Base Rate (BR) 9.50% 9.50% Nature of Advance A. Pre-shipment Credit a. Up to the cyclical period as approved by Bank in all not exceeding 270 days. b. If the Pre-shipment Credit is outstanding beyond

More information

I) INTEREST RATE RANGE ON LOANS AND ADVANCES TO INDIVIDUALS UNDER RETAIL LENDING FOR THE PAST QUARTER- September RANGE OF ROI MEAN

I) INTEREST RATE RANGE ON LOANS AND ADVANCES TO INDIVIDUALS UNDER RETAIL LENDING FOR THE PAST QUARTER- September RANGE OF ROI MEAN ANNEXURE-1A I) INTEREST RATE RANGE ON LOANS AND ADVANCES TO INDIVIDUALS UNDER RETAIL LENDING FOR THE PAST QUARTER- September- 2018 SCHEME RANGE OF ROI MEAN Housing 8.65% to 9.25% 8.95% Mortgage against

More information

FREQUENTLY ASKED QUESTIONS ON FFC FOR MSME LOANS

FREQUENTLY ASKED QUESTIONS ON FFC FOR MSME LOANS FREQUENTLY ASKED QUESTIONS ON FFC FOR MSME LOANS 1. Question: What is Finance Facilitation Centres (FFCs)? Finance Facilitation Centre (FFCs) are dedicated online platform (www.nsicffconline.in) under

More information

Small Business Banking

Small Business Banking Small Business Banking Unsecured Product Secured Product NFB Business Loan Unsecured OD Quick OD Others Secured OD Cash Credit Secured Term Loan CGTMSE LC BG LER Buyer Credit Standup India LCBN Others

More information

REVISED SERVICE CHARGES W.E.F CHAPTER - I Bills/Cheques for collection:

REVISED SERVICE CHARGES W.E.F CHAPTER - I Bills/Cheques for collection: REVISED SERVICE CHARGES W.E.F 01.07.2017 CHAPTER - I Bills/Cheques for collection: 1. Outward/Inward Collection of Cheques/Instruments: A) Outstation Cheques/Demand Drafts/Interest Warrants/Dividend Warrants,

More information

DMI HOUSING FINANCE PRIVATE LIMITED MOST IMPORTANT TERMS AND CONDITIONS (MITC)

DMI HOUSING FINANCE PRIVATE LIMITED MOST IMPORTANT TERMS AND CONDITIONS (MITC) DMI HOUSING FINANCE PRIVATE LIMITED MOST IMPORTANT TERMS AND CONDITIONS (MITC) Page 1 of 7 MOST IMPORTANT TERMS AND CONDITIONS (MITC) (For individual Housing Loan) The Most Important Terms and Conditions

More information

Rebate on life insurance premia, contribution to provident fund, etc.

Rebate on life insurance premia, contribution to provident fund, etc. Rebate on life insurance premia, contribution to provident fund, etc. 88. (1) Subject to the provisions of this section, an assessee, being an individual, or a Hindu undivided family, shall be entitled

More information

Orissa University of Agriculture and Technology, Bhubaneswar

Orissa University of Agriculture and Technology, Bhubaneswar Income Tax calculation statement (Tentative/ Final ) in respect of Sri/ Smt./ Dr.(Name in Full) : Designation & Office address : For the financial year : 217-18 Residential Address: Mobile E-Mail ID Valid

More information

CNK & Associates LLP. Provisions relating to Loans, Borrowings and Deposits. Chartered Accountants

CNK & Associates LLP. Provisions relating to Loans, Borrowings and Deposits. Chartered Accountants & Associates LLP Chartered Accountants Provisions relating to Loans, Borrowings and Deposits (Practical issues and reporting requirements, Impact on Private Limited Companies) Manish Sampat June 9, 2018

More information

SERVICE CHARGES AND INTEREST RATES AT A GLANCE RBI FORMAT. NATURE RATE OF INTEREST MINIMUM BALANCE Normal Sr. Citizen Rural Semi urban

SERVICE CHARGES AND INTEREST RATES AT A GLANCE RBI FORMAT. NATURE RATE OF INTEREST MINIMUM BALANCE Normal Sr. Citizen Rural Semi urban SERVICE CHARGES AND INTEREST RATES AT A GLANCE 1. DEPOSIT ACCOUNTS RBI FORMAT NATURE RATE OF INTEREST MINIMUM BALANCE Normal Sr. Citizen Rural Semi urban Urban ACCOUNT 1 Savings Bank A/cs A.Domestic a.

More information

Declaration format need to displayed on NEAPS. Promoter Group

Declaration format need to displayed on NEAPS. Promoter Group Declaration format need to displayed on NEAPS Promoter & Public Promoter Group Non Promoter Non Public Sr.No. Particulars Yes/No Yes/No Yes/No 1Whether the Listed Entity has issued any partly paid up No

More information

Declaration format need to displayed on NEAPS. Promoter Group

Declaration format need to displayed on NEAPS. Promoter Group Declaration format need to displayed on NEAPS Promoter & Public Promoter Group Non Promoter Non Public Sr.No. Particulars Yes/No Yes/No Yes/No 1Whether the Listed Entity has issued any partly paid up No

More information

No.NB.DoR.ST Policy / 600 / A-1( Gen)(RP) / Circular No. / DoR - / June The Managing Director All State Cooperative Banks

No.NB.DoR.ST Policy / 600 / A-1( Gen)(RP) / Circular No. / DoR - / June The Managing Director All State Cooperative Banks No.NB.DoR.ST Policy / 600 / A-1( Gen)(RP) / 2016-17 Circular No. / DoR - / 2016 15 June 2016 The Managing Director All State Cooperative Banks Dear Sir Provision of Additional Short-Term (ST) refinance

More information

DIRECT HOUSING FINANCE SCHEME

DIRECT HOUSING FINANCE SCHEME DIRECT HOUSING FINANCE 1] For construction / acquiring of new or existing house/flat which has remaining life of applied tenure plus 10 years 2] For repairs, renovation, extension in the existing house

More information

Financing Pattern w.e.f

Financing Pattern w.e.f Financing Pattern w.e.f. 06.03.2018 Annexure I For Housing/Infrastructure Project Loans and Take-out Finance (except HUDCO Niwas individual home loan Part-A Reference Rate (RR) = 11.00% Sl. No. Category

More information

RATE OF INTEREST UNDER RETAIL CREDIT PRODUCTS w.e.f

RATE OF INTEREST UNDER RETAIL CREDIT PRODUCTS w.e.f RATE OF INTEREST UNDER RETAIL CREDIT PRODUCTS w.e.f 0.07.08 SL. NO. 3 4 ALL BANK AASHIANA (Home Loan Product) HOUSING FINANCE FOR NRI/PIO PREMIUM HOUSING FINANCE FOR HIGH NET WORTH INDIVIDUALS (HNIs) (for

More information

4 Total (111 to 119) Accumulated balance of loss Deferred revenue expenditure Other intangible assets 123 -

4 Total (111 to 119) Accumulated balance of loss Deferred revenue expenditure Other intangible assets 123 - SCHEDULE II [See paragraph 44(1) of the Housing Finance Companies (NHB) Directions, 2010] Half Yearly Return as on (To be submitted within 6 weeks from close of the half year) Name of the HFC: Company

More information

INCOME TAX TEST 3 SOLUTIONS

INCOME TAX TEST 3 SOLUTIONS Question 1 Computation of Total Income of Mr. Suraj Particulars Rs. Rs. Income from House Property (WN-1) Profits and gains from business or profession (WN-2) Capital gains -Short term capital loss (WN-3)

More information

JHARKHAND GRAMIN BANK HEAD OFFICE

JHARKHAND GRAMIN BANK HEAD OFFICE JHARKHAND GRAMIN BANK HEAD OFFICE Branch Circular : 2011-12/16 Sub-subject : EDUCATION LOAN / 1 Sub : Advances /RETAIL LOANS Ref : ADV:MKV Date: 26.09.2011 CIRCULAR TO ALL BRANCHES / OFFICES 1. INTRODUCTION:

More information

INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY (Micro Insurance) (Modifications) DRAFT REGULATIONS, 2014

INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY (Micro Insurance) (Modifications) DRAFT REGULATIONS, 2014 INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY (Micro Insurance) (Modifications) DRAFT REGULATIONS, 2014 F. No. IRDA/Reg/xx/2014. In exercise of the powers conferred by section 114A of the Insurance Act,

More information

PERSONAL LOAN SCHEME FOR GOVT. EMPLOYEES & ITS ENTERPRISES. Branches of Harco Bank at Chandigarh and Panchkula 2. ELIGIBILITY

PERSONAL LOAN SCHEME FOR GOVT. EMPLOYEES & ITS ENTERPRISES. Branches of Harco Bank at Chandigarh and Panchkula 2. ELIGIBILITY PERSONAL LOAN SCHEME FOR GOVT. EMPLOYEES & ITS ENTERPRISES 1. SCHEME APPLICABILITY Branches of Harco Bank at Chandigarh and Panchkula 2. ELIGIBILITY (i) (ii) Confirmed / permanent employees of State /

More information

DISCLOSURES UNDER NEW CAPITAL ADEQUACY FRAMEWORK (BASEL II) FOR THE YEAR ENDED 31 ST MARCH 2011

DISCLOSURES UNDER NEW CAPITAL ADEQUACY FRAMEWORK (BASEL II) FOR THE YEAR ENDED 31 ST MARCH 2011 DISCLOSURES UNDER NEW CAPITAL ADEQUACY FRAMEWORK (BASEL II) FOR THE YEAR ENDED 31 ST MARCH 2011 I. GENERAL: The framework of disclosures applies to RBL Bank Ltd; a scheduled commercial bank, incorporated

More information

CGTMSE Ref. No. / 44 August 21, Master Circular No.1 / Master Circular on Credit Guarantee Fund Scheme for MSEs (CGS-1)

CGTMSE Ref. No. / 44 August 21, Master Circular No.1 / Master Circular on Credit Guarantee Fund Scheme for MSEs (CGS-1) CGTMSE Ref. No. / 44 August 21, 2018 All Member Lending Institutions of CGTMSE Madam/Dear Sir, Master Circular No.1 / 2018 19 Master Circular on Credit Guarantee Fund Scheme for MSEs (CGS-1) As you are

More information

CANARA BANK OFFICERS UNION (Regd) MODEL QUESTION PAPER 1

CANARA BANK OFFICERS UNION (Regd) MODEL QUESTION PAPER 1 1 CANARA BANK OFFICERS UNION (Regd) MODEL QUESTION PAPER 1 1. Canara Jeevan Dhara is a a. Life insurance cover b. Scheme for senior citizens c. Scheme for pensioners of age 60 & above d. a & b e. b & c

More information

SIRC of ICAI Workshop on Bank Branch Audit. Prudential Norms (IRAC) - An Overview

SIRC of ICAI Workshop on Bank Branch Audit. Prudential Norms (IRAC) - An Overview SIRC of ICAI Workshop on Bank Branch Audit Prudential Norms (IRAC) - An Overview CA. Chandra Sekhar Veeraghanta, B.Com, FCA, DISA, CISA 10-03-2017 VACA 1 Prudential norms on INCOME RECOGNITION, ASSET CLASSIFICATION

More information

BACK ENDED INTEREST SUBSIDY

BACK ENDED INTEREST SUBSIDY BACK ENDED INTEREST SUBSIDY The MSEs should manufacture quality products at competitive rates, to survive in the present global market and face challenges of WTO. To encourage the MSEs for technology up

More information

L O A N S. : Confirmed Part Time/Full time Employees of the Bank : Any bonafide purpose

L O A N S. : Confirmed Part Time/Full time Employees of the Bank : Any bonafide purpose CLEAN OVERDRAFT L O A N S ELIGIBILITY PURPOSE : Confirmed Part Time/Full time Employees of the Bank : Any bonafide purpose LIMIT : Service Clerks Substaff After Confirmation to 5 yrs Rs.1,25,000 Rs.1,00,000

More information

APPLICATION FOR HOME LOAN (for Resident Indians)

APPLICATION FOR HOME LOAN (for Resident Indians) APPLICATION FOR HOME LOAN (for Resident Indians) Please affix recent photograph I/We request you to grant me/us a loan facility of Rs. under Home Loan Scheme for To enable you to consider the proposal,

More information

Revised Service charges Schedule w.e.f

Revised Service charges Schedule w.e.f Revised Service charges Schedule w.e.f 04.07.2013 1. Collection charges should not be levied in respect of local cheque & drafts presented through clearing. Amount in Rs. Exchange on DD s/ MT Against Cash

More information

Table I - Summary Statement holding of specified securities

Table I - Summary Statement holding of specified securities 1. Name of Listed Entity:LIC Housing Finance Limited 2. Scrip Code/Name of Scrip/Class of Security: LICHSGFIN 3. Share Holding Pattern Filed under: 31b. Share Holding Pattern as on : 30-Sep-2017. Declaration:

More information

C.A. Parag Hangekar Partner Batliboi & Purohit Cell:

C.A. Parag Hangekar Partner Batliboi & Purohit   Cell: Bank Branch Statutory Audit Prudential Norms on Income Recognition, Asset Classification and Provisioning C.A. Parag Hangekar Partner Batliboi & Purohit E-mail: prh@batliboipurohit.com Cell: 9820577913

More information

SIDBI s Schemes of Assistance

SIDBI s Schemes of Assistance SIDBI s Schemes of Assistance TEAM SIDBI 1 SIDBI A brief Profile Constitution Set up in 1990 SIDBI Act Initially wholly owned subsidiary of IDBI Act amended in 2000 to broad based shareholding Shares held

More information

NBFC Prudential Norms & Compliances Important Aspects

NBFC Prudential Norms & Compliances Important Aspects NBFC Prudential Norms & Compliances Important Aspects Bombay Chartered Accountants Society CA Bhavesh Vora Coverage Existence of NBFCs Last Decade of NBFC Banks Vs. Non-Banks Meaning of NBFCs Major Changes

More information

General information about company. file:///c:/e%20drive/ramesh%20srinivasan%20folders/srinivasan-corp/august%202016/3mshpattern

General information about company. file:///c:/e%20drive/ramesh%20srinivasan%20folders/srinivasan-corp/august%202016/3mshpattern Page 1 of 20 General information about company Scrip code 523395 Name of the company 3M INDIA LIMITED Whether company is SME No Class of Security Equity Shares Type of report Quarterly Quarter Ended /

More information

Retail Banking (Asset Products)-Questions & Answers. 1. UCO Doctor Loan Scheme (Revised)(Circular No CHO/ABRD/12/ dt

Retail Banking (Asset Products)-Questions & Answers. 1. UCO Doctor Loan Scheme (Revised)(Circular No CHO/ABRD/12/ dt Retail Banking (Asset Products)-Questions & Answers 1. UCO Doctor Loan Scheme (Revised)(Circular No CHO/ABRD/12/2012-13 dt 21.06.2012) 1. What credit facilities are provided under the UCO Doctor scheme?

More information

Financing Norms and Schemes Dated 23 rd December, 2015

Financing Norms and Schemes Dated 23 rd December, 2015 269 Indian Renewable Energy Development Agency SI. No. Description Financing Norms and Schemes Dated 23 rd December, 2015 Summary 1. Title IREDA Financing Norms and Schemes Doc. No. IREDA/FG/Part-1-23.12.2015

More information

Operational Guidelines for PRICE STABILISATION FUND (PSF)

Operational Guidelines for PRICE STABILISATION FUND (PSF) Operational Guidelines for PRICE STABILISATION FUND (PSF) Government of India Ministry of Agriculture Department of Agriculture & Cooperation Krishi Bhawan, New Delhi 26 th March, 2015 1 [[[ 1. Introduction

More information

ELIGIBILITY CRITERIA FOR PARTNER INSTITUTIONS

ELIGIBILITY CRITERIA FOR PARTNER INSTITUTIONS ELIGIBILITY CRITERIA FOR PARTNER INSTITUTIONS Micro Units Development and Refinance Agency (MUDRA) has adopted the eligibility norms in respect of various category of Banks for the partner lending institutions

More information

upto 14 days Nil; < 1 yr - Rs. 350; >= 1 yr - nil Rs.150 per instrument Rs.350/- for series of instruments 3 Signature Verification Rs. 125 Rs.

upto 14 days Nil; < 1 yr - Rs. 350; >= 1 yr - nil Rs.150 per instrument Rs.350/- for series of instruments 3 Signature Verification Rs. 125 Rs. Service Charges (Effective from 1 st July 2017) (Service taxes as applicable will be collected extra) Current Segment Non rural Rural S.No Type of Charge Proposed Proposed 1 Account closure charges upto

More information

YOGAKSHEMAM LOANS LIMITED. LOAN POLICY

YOGAKSHEMAM LOANS LIMITED. LOAN POLICY YOGAKSHEMAM LOANS LIMITED. LOAN POLICY A) INTRODUCTION he Loan Policy shall act as a guiding post for the top management of the Company in conducting the business within acceptable risk tolerances and

More information

ANDHRA PRAGATHI GRAMEENA BANK HEAD OFFICE :: KADAPA. Circular No BC-CD Date:

ANDHRA PRAGATHI GRAMEENA BANK HEAD OFFICE :: KADAPA. Circular No BC-CD Date: ANDHRA PRAGATHI GRAMEENA BANK HEAD OFFICE :: KADAPA Circular No. 139-2012 BC-CD Date: 09-05-2012 REVISED CAPITAL SUBSIDY SCHEME FOR SOLAR LIGHTING AND SMALL CAPACITY PV SYSTEMS UNDER JAWAHARLAL NEHRU NATIONAL

More information

INTEREST RATE POLICY (Last Amended in the Board dated October 16, 2018)

INTEREST RATE POLICY (Last Amended in the Board dated October 16, 2018) I) INTRODUCTION: INTEREST RATE POLICY (Last Amended in the Board dated October 16, 2018) The Company has been following certain procedures and practices in the matter of fixing interest rates on gold loans

More information

General information about company

General information about company General information about company Scrip code 500790 Name of the company NESTLE INDIA LIMITED Whether company is SME No Class of Security Equity Type of report Quarterly Quarter Ended / Half year ended/date

More information

TAXATION OF CO-OPERATIVE SOCIETIES (BASIC PROVISIONS)

TAXATION OF CO-OPERATIVE SOCIETIES (BASIC PROVISIONS) TAXATION OF CO-OPERATIVE SOCIETIES (BASIC PROVISIONS) 1) Definition Meaning of Co-operative Society - Sec. 2 (19) Co-operative society means a society registered under the Cooperative Societies Act, 1912,

More information

BANK OF BAHRAIN & KUWAIT B.S.C. INTEREST RATES ON RUPEE DEPOSITS RESIDENT SAVINGS ACCOUNT ( w.e.f )

BANK OF BAHRAIN & KUWAIT B.S.C. INTEREST RATES ON RUPEE DEPOSITS RESIDENT SAVINGS ACCOUNT ( w.e.f ) INTEREST RATES ON RUPEE DEPOSITS RESIDENT SAVINGS ACCOUNT ( w.e.f. 01-12-2016 ) RATE OF INTEREST (P.A.) For balance up to Rs. 10 Lakh 4.00 For balance above Rs. 10 Lakh 5.00 NRE AND NRO SAVINGS ACCOUNT

More information

General information about company

General information about company General information about company Scrip code 511525 Name of the company PAN INDIA CORPORATION LTD Class of Security Equity Type of report Quarterly Quarter Ended 31-12-2015 Date of allotment / extinguishment

More information

BANK OF BAHRAIN & KUWAIT B.S.C.

BANK OF BAHRAIN & KUWAIT B.S.C. INTEREST RATES ON RUPEE DEPOSITS RESIDENT SAVINGS ACCOUNT ( w.e.f. 01-12-2016 ) RATE OF INTEREST (P.A.) For balance up to Rs. 10 Lakh 4.00 For balance above Rs. 10 Lakh 5.00 NRE AND NRO SAVINGS ACCOUNT

More information

Audit Plan & Program For Bank Audit. Important area who must be Covered During the Audit

Audit Plan & Program For Bank Audit. Important area who must be Covered During the Audit Audit Plan & Program For Bank Audit Important area who must be Covered During the Audit Deposit Advances Audit of NPA Account General Area LFAR Deposit:-Following Point/Area Should be covered under the

More information

Muthoot Finance Limited Public Issue Of Secured Redeemable & Unsecured Redeemable Non-Convertible Debentures

Muthoot Finance Limited Public Issue Of Secured Redeemable & Unsecured Redeemable Non-Convertible Debentures Note: Edelweiss Broking Ltd. is a Lead Broker to the issue; accordingly, this note is prepared based on the Prospectus for informative purpose only. Issue Highlights Muthoot Finance Limited Public Issue

More information

Indian Banks Association MODEL EDUCATIONAL LOAN SCHEME FOR PURSUING HIGHER EDUCATION IN INDIA AND ABROAD

Indian Banks Association MODEL EDUCATIONAL LOAN SCHEME FOR PURSUING HIGHER EDUCATION IN INDIA AND ABROAD MODEL EDUCATIONAL LOAN SCHEME FOR PURSUING HIGHER EDUCATION IN INDIA AND ABROAD () 1. INTRODUCTION: Education is central to the human resources development and empowerment in any country. National and

More information

SERVICE CHARGES WITH EFFECT FROM (Applicable GST presently 18% to be collected on and above the rate mentioned below) PART-A

SERVICE CHARGES WITH EFFECT FROM (Applicable GST presently 18% to be collected on and above the rate mentioned below) PART-A SERVICE CHARGES WITH EFFECT FROM 01.11.2017 (Applicable GST presently 18% to be collected on and above the rate mentioned below) PART-A GENERAL BANKING SERVICES ( DEPOSIT AND RELATED SERVICES) 1 Charges

More information

Idf. Idf Financial Services Private Limited FAIR PRACTICES CODE

Idf. Idf Financial Services Private Limited FAIR PRACTICES CODE Idf Idf Financial Services Private Limited FAIR PRACTICES CODE Developed on the basis of the guidelines issued by the Reserve Bank of India vide their circular DNBS.CC.PD.No.266 /03.10.01/2011-12 Adopted

More information

Branch Name. Date of birth/ Incorporation D M M Y Y Y Y. Gender Male Female Third Caste SC ST OBC Minority Others

Branch Name. Date of birth/ Incorporation D M M Y Y Y Y. Gender Male Female Third Caste SC ST OBC Minority Others APPLICATION FOR CREDIT FACILITIES TO MICRO, SMALL AND MEDIUM ENTERPRISES BANK USE ONLY : Micro Small Medium Existing customer Y N Customer ID Product Code Branch Code Branch Covered by CGTMSE Y N CA A/C

More information