Académique Documents
Professionnel Documents
Culture Documents
(m u m m m w jm )
OJAS
(Oriental yoJAna Saar)
Page
1. Saving Accounts/ Products 1..7
2 Current Accounts 8 .9
3. Term Deposits 10.12
4. Digital Bonking 13.17
5 Retail Credit Schemes 18.30
6* Agriculture 31.35
7 MSME 36.41
8. PMMY 42.43
9 One Time Settlement (OTS) 44.49
10.Branch Routine 50
11.Documents Required for Opening o f Deposits 51.56
Accounts
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SAVING PRODUCTS
O R IE N TA L P R A TH A M A C C O U N T - SB 245
(H0/CRG/136/2017-18/752 dated 15.12.2017)
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OUR BEST CUSTOMER-SB 249
(H O /C S S P / 7 7 /2 0 1 7 -1 8 /1 0 8 3 D td 3 0 /0 3 /2 0 1 8 )
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OBC STREE SHAKTI -SB 244
(H 0 /C R G /137/2017-18/753 dated 1 5 .1 2 .2 0 1 7 )
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ORIENTAL PREMINUM SALARY-SB232
(H0/CRG/03/2017-18/25 dated 05.04.17 and
amendment on 24.11.17)
❖ Target Group: Salaried Individual (Gross Min 25000
P.M)
❖ Overdraft Facility Up to 3 lac
❖ Free 1st yr Personal Accidental Insurance -10 lac
❖ Next Year Free With Conditions:
AQB should be >25000,
No Loan /ODIs NPA.
Salary must be Credited In Account
❖ Freebies :
DEMAT AMC Charges
Process Fee OF Retail Loans-100%
Annual Charges On Debit Card**
Online NEFT,SMS Alerts /Mobile/ Internet Banking
❖ OD Facility:
3 Times Of Gross / 5 Times Of Net Salary (
MCLR+2.5)
No Fresh Sanction to Employee With Remaining
Service<12m
Employee Service>lyr Or Permanent in nature
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ORIENTAL Y U V A A C C O U N T (SB234)
(HO/MKT/40/2015-16/698 dated 02.12.2015)
❖ Target group: students aged between 10-18 years.
Minimum balance-NIL
❖ l-bank /M bank view only mode
❖ ATM : allowed
❖ DD issuance charges - NIL (Edu purpose only)
❖ Daily withdrawal limit-Rs. 10,000/- through ATM
❖ Daily POS limit-Rs. 10,000/-
❖ Maximum balance Rs. 1 lac
❖ Maximum total credit Rs. 5 lac.
❖ On attaining majority the scheme will be changed in normal
SB
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OBC UNNATI SCHEME-SB 219
(HO/CS8P/24/2017-18/288 dated 10.07.2017)
► Min balance -R/SU-Rs.l,000/-,U/M- Rs. 2,500/-,
► Min balance charges -R/SU-Rs. 50/-,U/M-Rs.l00/-
► M-banking/l-banking charges : NIL
► Locker rent concession:
° 10% on deposit of adv rent For 2 years
° 20% on deposit of adv rent For 3 years
► No charges For a/c statement through digital mode
► Welcome kit, ATM card and cheque book instantly
► DEMAT accounts AMC charges NIL For 1st year
► Free 50 cheque leaves in 1 year
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Current Accounts
PRAGATI CA 113
❖ Min bal 5000 Rural/SU 8 Rs.10000 in U/Metro
Branch
❖ Min Bal Charges: Rs.350 For Rural/SU S Rs.500 For
Urban Metro Branch
❖ 100% waiver oFABB charges
❖ Waiver oF DEMAT a/c maintenance charges
❖ Free-lnternet/Tele banking/ATM
♦> Free demand draft / RTGS up to Rs.5 lakh
Term Deposits
SUVIDHA DEPOSIT SCHEM E-TD306
(H0/CS8P/43/2017-18/532 dated 04.10.2017)
> Benefit of CDR/FDR
> Issued in the form of Unit of Rs.1000/- or multiple
thereof
> Minimum amount Rs.1000/-
> Maximum- No limit
> Partial u/ithdrau/al allowed in Multiple of Rs.1000.
> No interest rate loss on remaining unit.
> Can be opened for 12 to 120 months.
> No loan available.
Tax Saving Scheme TD341
> Target- Tax saving Individual/HUF.
> Rebate available u/s 80c of IT act
> Can be opened minimum for 60 months
> Minimum Rs.100 or multiple thereof
> Max.Rs.150000 in a fin.year.
> No Premature allowed except death case
> No lien/No loan
> PAN card is Mandatory.
> Joint Holder Allowed. Benefit of 80C to 1st Holder
> Nomination Allowed.
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Flexi fixed Deposit schemes
D IG ITA L BANKING
(H O / D IT / F E BA/4/2 0 1 8 -1 9 / 2 5 9 )
U R L w w w .o b c o n lin e .c o .in fAvailable in Mobile
View)
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Mobile Banking (OBC mPay App)
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> Max. Repayment Period=40 yrs
> Components oFFinance-
Const/Purchase/Repair/+Conversion charges +GSS+ Stamp
Registration (Up to 10 Lakh)
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ORIENTAL TOP UP LOAN
(HO:RAG:62:2017-18:1081 dated 28.03.2018 E
H0:RAG:22:2018-19:404 dated 27.08.2018)
> Target Group -Existing HL Borrowers (HL Std +Min 2
Year)
> Eligibility-
Const Completed SMortg Created
Max. 2 top-up in Single Time
Maximum N o .: 3 times (within Max. 50.00 lac)
Another top-uppermitted after 3 yrs
Min Age should be 20 yrs and Maximum 70 Year
> Loan Limit- Min 2 Lac-Max 50 Lac
> MPBF=75% oFRV o/s H/l
> Net take home> 40%
> ROI-
< 25 lac MCLR +0.50%
>25 lac MCLR+1.00%
> Repayment Period-
• Salaried - Pensioner S other-70 yrs
• Salaried-non pensioner-60 yrs or superannuation
> Max Repayment Period=15 yrs
> Process Fee- .50% oFthe loan amount, Min 1000 or Max
10000+GST
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ORIENTAL HOME FURNISHING LOAN
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PMAY (PradhanMantriAu/asYojana)
( H0:Retail:40:2017-18:10 dated 04.01.2018) S H0:Retail:19:18-19:399
dated 23.08.2018)
Target
EWS LIG MIG-I MIG-II
Group
Family <3 >3-6 > 6 -1 2
>12 -18 lacs
Income Lacs lacs lacs
Interest 9 lacs (§)
6.00 lacs @ 6% 12 lacs @ 3%
Subsidy 4%
Max. 20yr. Add. Loan at MCLR/MCLR+0.10
Carpet
30 60 160 200
Area(m2)
Max. 2.35
2.67 lakhs 2.30 lac
Subsidy lakhs
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ORIENTAL MORTGAGE LOAN SCHEME
(HO:Retail: 47 :2017-18: 866 dated 12.01.2018 E H0:RETAIL:53:2017-
18:926 dated 09.02.2018)
> Target Group-lndiv/Non-indiv having marketable property as
security
> 2 Yrs ITR Individual /CA certified Financial Statement to Firms/
Company
> Purpose -Business/Personal Expenses
> Nature oF Facility- TL/OD
> Repayment Period: Max 10 years
Net Take Home
Facility ROI Gross/ Net Take
Term Loan MCLR+2.25% Monthly Home
Over Draft MCLR+2.75% Income
Up to 50000 40%
>50000 30%
> Process Fee-0.50% oFTL 8 0.10% oF OD
> Repayment Age-
• Pensions others-Max.75 yrs
• Non- Pension-Up to Superannuation
> Loan - Min.-5 Lakh, Max-10 Crore
> Security- EQM./Reg. Mortgage
• Well BoundedS constructed as per Approved Plan
> Margin-40% oF Residual Value
> Assessment-Whichever less oFA or B
A. 60% oF Residual Value
B. 36XAv Gross Monthly Income (Salaried) OR 4XAv.Net Annual
Income(Non-Salaried)
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ORIENTAL SCHEM E FOR FINANCING A G A IN S T G O V T.
SECURITIES/LICs ETC
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VEHICLE LOAN (HO:Retail: 46:2017-18: 855 dated
09.01.2018)
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ORIENTAL PERSONAL LOAN SCHEME (GOVT/PSU)
(H0:Retail:60:17-18:1013 dated 12.03.2018 8 H0:RETAIL:02:2018-
19:114 dated 09.05.2018)_____________________________________________
> Target Group:-Govt./PSU Employees
> Personal loan For repayment oF the existing Personal Loan
in other Bank
> Fresh Personal Loan to customer already availing PL u/ith
us / other Bank
> No collateral required/No margin
> No prepayment penalty/lnsp charges
> Purpose:-Any legitimate purpose
> Eligibility:-ConFirmed Employee
• Salary A/c u/ith us 8 net salary 10,000 pm OR
• Net salary 50,0008 above (A/c in other bank)
> Loan:-
• 15x Gross Monthly Max. lO.OOIac
> ROI:- MCLR+2.75% p.a.
> TA T:-4 8 hours
> Security:- 1 PG oF Fellow employee
> PG Relax: Cibil(TU)>7508 Salary>1.00 lac
> Repayment Period: 60EMI’s
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ORIENTAL PERSONAL LOAN SCHEME (CORP)
(H0:Retail:15:2017-18:201 dated 15.06.2017)
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LOAN AGAINST DEPOSIT
(HO/RMD/17/2017-18/221 dated 21.06.2017)
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AGRICULTURE
3RIENTAL GREEN CARD — (H0/ABSFI/44/2018-19/405 dated
27.07.2018)
> Revolving cash credit Facility
> No restriction to number oF debits and credits
> Limit drawn in a particular year to be repaid within 12 months
> Limit shall be drawn using Branch / Cheque / BC / PoS/ Digital
channel
> Personal Accidental Insurance coverage through either PAIS/
PMSBY
Purpose: Credit Support under Single Window to Farmers For
Cultivation 8 Other Needs
Eligibility: Farmers, SHG, JLG
Area: 15-20 km (One branch One village)
Age: No age limit
Margin: NIL
Fixation oF limit-: Crop Loan = Scale oF Finance For Crop + upto 15%
+ 10% oF Crop Loan For post harvesting
+ 20% oF Crop loan to repair machinery
10% Auto enhancement upto 5th Year
Maximum Permissible Limit:
A-Working Capital Assessment
B-100% value oF Agri. land
C-Total annual income
Limit: lowest oFA.B.C
Subvention up to 3 lakh
ROI: Higher oF9% or MCLR
Margin: NIL
Validity: 5 Year
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ORIENTAL GREEN CARD (OKGC=OGC+TL)
(H0/ABSFI/44/2018-19/405 dated 27.07.2018)
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Financing Allied Agriculture Activities
(HO: AB6FI:98:2016-17:1099 dated 09.02.2017)
> Collateral Free loan upto 10 lakh covered under
MUDRA/CGFMU
> Purpose: Adequate credit For agriculture allied activities,
mainly livestock rearing
> Activity: Poultry, Dairy, Fishery, Sheep/ Goat Rearing, Piggery,
Apiculture
> Facility:
> W C: Daily expenses
> TL: Investment Financing
> Composite loan: TL+WC
> Margin:
Loan upto 1.00 lac NIL Loan >1.00 lac 15%
> Security:
Upto 1.00 Lac Hypothecation oF crops/ Assets
> 1.00 - 2.00 Hypothecation oF crops/ Assets £
Lac Mortgage oF Agril Land / Property (or) 3rd
party guarantee OR Liquid security
Above 2 Lac Hypothecation oF crops/goods £
Mortgage oF Agril Land/ Property (or) 3rd
party guarantee OR Liquid security
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FARM M A C H IN E R Y (HO: RDEPS:61:2015-16:762 dated 20.12.2014 S
H0:RDSPS:92:2015-16:46 dated 31.03.2016)
> Collateral Free Loan upto 10.00 Lacsto Tractors 8 Power Tillers
coverunder PMMY/ CGFMU
> Tractor loans, payment should be made directly to the
manufacturing company
> Financing oP Farm Machinery models approved by HO after
01.04.2016
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MSME PLUS — (HO/MSME/ 29/2018-19:599 Dated 01.11.2018)
> Target Group-AU Business Concern
> Loan Amt is 200% oP collateral
> Nature oP Facility - WC/TL
> Eligible —
1) Non Individuals.
2) Internal rating-0BC5(existing cust)
0BC4(new cust)
3) External credit risk rating
> Exposure — l)Upto 50 Cr
> Acceptable Ratios
1) Current ratio : 1.17:1(WC <=5 cr),
2) Current ratio : 1.25:l(WC>5Cr)
3) Debt/Equity Ratio : upto 3:1
4) Leverage Ratio : Upto 4:1
5) DSCR -1 .5 0 :1
> Stressed A/C(SMA/NPA) 2% extra
> Rate OF Interest
>? 10.00 C r upto
Collateral Coverage <= ? 10.00 cr
? 5 0 .0 0 C r
5 0% upto 75% MCLR+2.00% MCLR+2.25%
> 75% upto 1 00% MCLR+1.75% MCLR+2.00%
A b o ve l0 0 % MCLR+1.25% MCLR+1.75%
Above 150% MCLR+1.00% MCLR+1.50%
> Processing Fee— Concession oF50%
> 5 0% concession on daily operations
> Security
Prim ary-Custom er’s primary security
Collateral — Atleast 5 0% oF exposure
> Tenure — 7 yrs
> Benchmarks(Ratios and Rating) IF not complied benefits
withdrawn
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MSME
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Oriental Sanjeevni
(HO/MSME/ 17 /2016-17/1120 Date: 18.02.2017)
> Purpose- Nursing home/clinic/ Hospital
> Eligibility-
1)MBBS/BDS/BHMS/BAMS/Vet/Physio.
2)Min experience oP2 yrs.
> Loan Amount
Area (Hospitals) Clinic
Rural 2.00 0.50
SU/U 15.00 1.00
Metro 25.00 2.50
> Type Of Facility-TL/OD
> Margin
1) 25% For aquisition oF premises
2) 15% For equipments/ambulance
> Rate oF Interest
Collateral Coverage <= ? 10.00 cr >? 1 0 .0 0 - 25.00Cr
50% upto 75% MCLR+2.00% MCLR+2.25%
> 75% upto 100% MCLR+1.75% MCLR+2.00%
Abovel00% MCLR+1.25% MCLR+1.75%
Above 150% MCLR+1.00% MCLR+1.50%
> Repayment Period-
1) upto 10 yrs
2)Moratorium period - max 24M
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ARTHIYA
(HO/MSME/ 12 /2016-17/1015 16-17 dated 12.01.2017 S HO:
MSME:22:18-19:398 dated 22.08.2018)
> Facility-OD limit For W C purpose.
> Eligibility- Commission agents/arthiyas
> Primary Security-
1)mortgage oF property(Min,150% adv)
2)pledge of NSCs,FDR(125% of Adv)
> MPBF
1)KachaArthiya- 8 X commisionurned.
2)PaccaArthiya- 20% oF annual sales.
> Ratios-
1)Current Ratio-1.10:l(WC<=5Cr)
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WAREHOUSE RECEIPTS (H0:MSME:30:18-19:621 dated
09.11.2018)
> Facility-CC/DL
> Eligible - Farmers,Millers,Food process unit
> Amount oFLoan — Max. 50.00 Crore
> Security - WHR in Favour oFbank £ PG oF promoter
> Financing against WHR issuedby Bank approved Collateral
manager
> Ratios-
1)Current Ratio-upto 5 Cr : 1.17
Above 5 Cr : 1.33
2)Leverage Ratio-Upto 4:1
> Internal Risk Rating-OBCl to OBC6
> Margin-
1)CC-Min 25%
2)DL-Min 35%
> Interest subvention to Farmers-2%(Small ^marginal)
> Rate OF Interest
Non Negotiable MCLR +1.00%, subject to
Priority Warehouse Receipts net MCLR
Sector Negotiable u/arehouse MCLR,
Receipts subject to net MCLR
Non-priority MCLR+2.00%, subject to
Sector netMCLR +1.00%.
> Repayment Period-
1)For CC-12 months(max)
2)For D L-6 months(max)
> Takeover OF A/c-Not Permitted
> Processing Fee, Doc. Charges, Inspection Charges-Waived
till 30/4/19
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Oriental UttamVyapari
(HO/ CAD/72/2015-16/ 694 dated 01.12.2015)
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PMMY
PMMY- Non Farm (ho/msme/ pmmy/65 /2017- I 8/ dated
28.03.2018)
> Eligible : Individual, Proprietorship, Partnership
> Credit requirements of Non Farming enterprises engaged in
Manufacturing, Trading, Service
> Loans upto 10 Lac to Non FarmMSE
> Objective: Credit to Micro Enterprises
> Facility: Term Loan,WC,Composite Loan
> E-KYC mandatory
> IMAC Rating exempted
> Balance Sheet ITR- Self attested
> Repayment 7 Years
> W C sanctioned For 3 Years, Review Yearly
> Stock Statement yearly
> Security : Hypothecation oF assets CGTMSE/CGFMU Cover
> ROI:
CGTMSE covered CGFMU covered
Upto 2.00 MCLR Upto 2.00 MCLR
lac lac
>2.00 - MCLR+1.00% >2.00 - MCLR+2.25%
10.00 lac 10.00 lac
> Margin:
Upto 50000 Nil > 2.00 -5.00 lac 15%
Above 5 0 0 0 0 - 2.00 lac 10% >5.00 -10.00 lac 25%
> Ratio
Current Ratio 1.10:1 DER 4:1
Leverage ratio 6:1 DSCR 1.5:1
> Disbursement directly to supplier
> T A T : Upto 5 Lac- 2 Weeks
>5-10 lac 3 weeks
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PM M Y- FARM (HO: MSME/26/2018-19/518 dated 29.09.2018)
> Target Group: Farmers (indiv/group)
> Collateral Free loan upto 10.00 lacs covered under
CGFMU/MUDRA,
> Purpose: Allied Agriculture/ ACABC / Tractor £ Power Tillers
to which promote selF-employment opportunities/ livelihood
and/ or are income generating
> Activity: Poultry, Dairy, Fishery, Sheep/ Goat Rearing, Piggery,
Apiculture, Tractors and Power Tillers, Agri-Clinics and Agri
Business Centres( only Agriculture Graduate)
> Facility:
> W C: Daily expenses
> TL: Investment Financing
> Composite loan: TL+WC
> Margin:
upto 1.00 lac NIL >1.00 lac 15%
> ROI: MCLR
> Repayment Period upto 7 Years
> Stock statem ent: yearly
> Security: Only Primary Security
> Guarantee coverage: CGTSME /CGFMU
> EKYC: Mandatory
> ITR:- required if taxable income
> Balance sheet:- Audited/selF attested
> Insurance:- To be done For animal/birds/assets
> CERSAI:- Mandatory as per bank policy
> Stock statement: yearly
> Internal Risk rating: exempted
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ONE TIME SETTLEM EN T (O TS )
COMMON FEATURES:
FEATURES:
> All NPA Accounts Realizable Value oF security should
be ZERO
> Agriculture AdvancesUpto 1 Lakh also Included.
> Realizable value oF Agriculture Land treated as NIL
> Maximum repayment period is 3 months
NOT ELIGIBLE:
> Accounts under MUDRA/CGFMU
DELEGATED POWERS:
> Settlement committee — BM irrespective oF amount
oF sacrifice
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FEATURES:
> NPA accounts have Principal upto 10.00 lac with or without
any tangible security
> A/c under PMMY settled at Min. 50% oF Principal
> NPA under Direct agriculture not covered.
> Max Repayment Period is 9 months
> MINIMUM SETTLEM ENT AMOUNT:
Particulars Principal
Up to >1.00- >3.00- >5.00-10
RV oF security 1.00 3.00 lac 5.00 lac lac
lac
>= Principal 40% 60% 80% 90%
<Principal>=50%
30% 40% 40% 40%
oF Principal
<50% oF
Principal /No 20% 25% 30% 30%
security
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OTS Principal Above 10 LAK H -1 CRORE
> Max Repayment period is six months
> Additional incentive of 5% discount OTS amt., if Full payment
within 15 day
> Branch/RRSL /Circle Office have NO power to decline any
proposal under the scheme
> ELIGIBILE:
• Cases pending before COURT/DRT.
• Cases under SARFAESI where 13(2) or 13(4) is served.
• Cases under multiple banking arrangement.
> NOT ELIGIBLE:
• Loans against LIC,NSC,KVP.
• Cases under NCLT.
• Consortium.
MINIMUM SETTLEM ENT AMOUNT:
RV oP security Min. DELEGATED POWERS:
Settlement Settlement Delegated
committee powers
>=Principal Principal
BM - Classic II Upto 25 lakh
<principal>=75% 85% oF
B M - Classic III Upto 35 lakh
o f principal Principal BM - Classic Upto 50 lakh
<75%principal IV
75% oF
>=50% oF Udbhav branch upto 50 lakh
Principal
principal — RRL
Circle office
5 0% oF > 50.00 -
<50% principal level credit
Principal 100 lakh
(C O L C C -C H )
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SOTS AGRICULTURE UP TO 1 CRORE:
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OTS FOR PRINCIPAL 1 CRORE-IO CRORE
(H0/RSL/18/2018-19/429 dated 06.09.2018)
> 5% discount For Faster payments
> ELIGIBILTY:
• Doubtful or lost asset on or before 31.03.2018.
• Principal >1.00-10 crore on 31.07.18.
• Cases pending beFore COURT/DRT.
• SARFAESI action initiated cases.
> SETTLEM ENT FORMULA:
SETTLEM ENT AMOUNT
ASSET % OF % OF Minimum
CLASS ON SECURED UNSECURED Settlement
31.03.18 PORTION (A) PORTION (B) AMOUNT
D1 90 60
D2 80 50 (A+B)
D3/L0SS 70 50
> DELEGATED POWERS:
UPTO 2.00 CRORE COLCC-CH - AGM
UPTO 5.00 CRORE COLCC-CH - DGM
> 2.00/ 5.00 CRORE- 10.00
FGM/ HLCC-GM
CRORE
> Cases not eligible
• Fraud
• ExStaff/ Staff
• Liquid Security
• Quick Mortality
• Max Repayment period — 6 months
• T A T — 15 days
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BRANCH ROUTINES
(Branch Manager/ Second Man to ensure Following activities on
daily basis)
1- Marking oF Attendance Register.
2- Cash opening/Allocation.
3- Movement oFsecurity documents ie DD/CDR.
4- Regularization oF clearing zones.
5- Tallying Suspense/Sundry/cbs realization/intsolgen and RTGS
inward Account.
6- Ensure proper Function oF ATM/CD Kiosk.
7- Cheque presented in inward clearing >50000:- Report
Generation 8 confirmation From customer
8 - Follow up oF E-mails.
9- Opening oF Cheque drop box and ensure outward presentation
in clearing house timely.
10- Yesterday’s Dayend report checking physically and in Finalce
11- Follow up oF yesterday’s dayend report.
12- Preparation oF outward bill and postage.
13- DMS and other accounts status report checking.
14- Keeping and register maintenance oF Returned cheques.
15- Monitoring oF large amount transaction during the day/STR.
16- NPA list Follow up.
17- Generation oF cash transaction report and verification oFit
with physical cash and timely closure oF cash and Security
documents.
18- Voucher count and veriFication.
19- Printing oF Dayend reports.
20 - Dayend (CSOLOP).......................................................................
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DOCUMENTS REQUIRED FOR OPENING OF DEPOSIT
ACCOUNTS
individual Accounts
One document For identify proof and one for address proof out
of the following OVDs. The customers shall not be required to
furnish an additional OVD, if the OVD submitted by the
customer for KYC contains both proof of identity and proof of
address.
> Passport,
> Driving license,
> Permanent Account Number (PAN) Card,
> Voter’s Identity Card,
> Job card issued by NREGA and duly signed by an oFFicer of
the State Government,
> Letter issued by the Unique Identification Authority of
India containing details of name, address and Aadhaar
number.
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Sole proprietorship Firm
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Partnership Firm
IP Registered:
> Registration certiRcate;
> Partnership deed; and
> An officially valid document in respect oP the benePicial
owners and person holding an attorney to transact on its
behalP.
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Private/Public Limited Company
List oP selF-attested documents 8 details to be submitted
For OPC/Pvt./Public Ltd companies:
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Self Help Group (SH G)
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(n m m m ? m m m )