sff

(m u m m m w jm )

OJAS
(Oriental yoJAna Saar)

Oriental Bank of Commerce

(A Government of India Undertaking)
HRDI Panchkula
Contents at a Glance

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)

❖ Target group: High Net W o rth Individuals

❖ Eligibility: Resident Indian >18 years oF age
❖ Minimum Average Q trly Bal.: Rs.1.00 lac
❖ Unlimited A TM trans in any bank’s ATM
❖ D EM A T a/c AM C charges : NIL
❖ Processing Fee on retail loan: NIL
❖ Cheque book,SMS ,1-bank, M-banking charges :
NIL
❖ Free Personal accidental insurance: 10.00 lac
❖ Concession in locker rent: 25%
❖ DD/ PO issuance Fee up to 5 lacs/ month: NIL
❖ Daily A TM withdrawal lim it(Rs.lOOOOO) ECOM/
POS-R s.2 0 0 0 0 0
❖ 2 Free lounge access at domestic airport per QTR
❖ RTGS/NEFT-online Free
❖ Penalty- Freebies to be w ithdrawn iF AQB
<100000 (next quarter)

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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 )

Target: existing HNI: NO fresh account

❖ Loyal customer >3 year
❖ Min AQB o F R s .l lac For last one year
❖ Min 5 txn (both C r 6 D r) in a month
❖ Personalized V IS A signature debit card/ cheque
book /passbook w ith ‘our best custom er”
embossed.
❖ Free Personal accidental insurance: Rs.10.00 lac
❖ Priority in queue management services(QMS)
❖ D EM A T ac /Card issuance annual Fee: NIL
❖ DD/ PO issuance Fee up to 5 lacs/ month: NIL
❖ Daily A TM / POS/e-CommtrnsRs. 1 0 0 0 0 0 /-
❖ RTGS/NEFT/IMPS - online Free
❖ Cheque book /SMSJ-Bank, M-banking charges :
NIL
❖ Concession in locker rent: 25%
❖ Processing Fee on retail loan: NIL

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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 )

❖ T a r g e t: Female resident Indian >18 years oF age

❖ Minimum Average Monthly Bal. Rs. 25,000/­
❖ Free personal accidental insurance-Rs.10.00 lac
❖ 5 0 % rebate in processing Fee Retail loan
❖ 0 .10 % concession in ROI on Vehicle loan
❖ Concession 25% locker rent on deposit oF 2
years advance
❖ D EM A T A M C -1 st year-FREE
❖ Daily A TM limit/POS -Rupay Platinum C ard-
1 0 0 0 00 /­
❖ Daily A TM limit/POS - V IS A gold card — 5 0000/­
❖ Cheque book charges-FREE up to 50 leaves/year
❖ Card Annual Fe e -lst year-FREE
❖ ATM J-Banking, SMS.M-Banking charges: NIL
❖ 2 Free lounge access at domestic airport per QTR
❖ RTGS/NEFT-online Free

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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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SALUTE SALARY ACOUNT (SB-233)

(HO/CRG/ 6 5 /2017 -1 8 / 1 3 6 dated 2 2 .0 5 .1 7 )
Customized For our servingDEFENCE Hero’s
No minimum balance
Free 1st yr Personal Accidental Insurance -10 lac
Next Year Free Insurance with Conditions:
° AQB should be >25000,
° No Loan /OD is NPA.
° Salary Account is not Dormant
❖ Free ATM/l-bank/NEFT/RTGS/SMS
❖ Inbuilt OD up to 5 time’s net pay, max. 3 lac

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

MOTOR A C C ID E N T CLAIM: SB242

H0/BB/48/2016-17/591/16 dt. 05.10.2016 S
CSSP/25/2018-19/544 dt. 0510.2018
Target: Recipient oF Claim From MACT
Tribunal/Court
Individual including Minor (UG)
Only Motor Accidental Claim
No Joint Account
Operation Singly or Guardian
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Loan Facility - Not Allowed
Nomination - Available
No ATM/I BANK/M BANK
Passbook -Yes
Withdrawal through Branch Only
Account or Scheme TransFer:Not Allowed
ROI As Per Normal Saving Ac

Basic Saving Bank Deposit A/c SB212

CSSP / 60/2013-14671 dt.15.10.20138 CSSP dt.
17.02.2016

Target-Financially weaker Segment.

Complete KYC account
No Minimum Balance Required.
Free chequebook oF25 leaves.
Debit Card available.
No restriction on number oF debit/credit
Internet banking not available.
ECS/DD/NEFT allowed.
No Restriction on balance in account.

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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

C A -123 Escrow or Separate Account under RERA

(HQ/CSSP/60/2017-18/773 dated 21.12.2017)

♦> To protect home buyers From developers under

RERA 2016
❖ In addition to normal account, One 'Escrow Account
oF developers'
❖ Project wise For collection and remittance
❖ No minimum balance requirement
❖ No cheque book/l-banking/ATM
♦> For withdrawal- CertiFicate For Engineer/Architect
and CA
❖ Project cost remitted by RTGS/NEFT Or by transFer
From other ACs
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Oriental Merchant Current Account

CA121
(H0/MKTG/04/2016-17/232 dt. 08.06.2016)
❖ Target: Shopping Centre, commercial Estb etc.
❖ Average Quarterly Balance ? 25000
❖ Non Maintenance of Min Qtr Balance - ^1000/- per
quarter
❖ 50% Waiver on Processing Retail Loan
❖ Cash Deposit — Per Day (Home Branch) Free up to :
•3 times monthly amount swiped at OBC bank POS
terminal
Or
^3.00lakh whichever is lower.
❖ Cash:-Non Home Branch — Free up to ^l.OOLakh
❖ Free Cheque Book /1-Banking/Mobile Banking
❖ Free Statement oF Account on Email
❖ POS Terminals at Nominal rates
❖ Waiver oF AMC charge on DEMAT AC
20% rebate on locker rent For advance 3 yrs rent
Free DD — 2 DDperQrt up to ^5.00lakh per
instrument
❖ RTGS/NEFT: l-banking Free: Branch — nominal
Charges
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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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Progressive Deposit Scheme PD315

> Target Customer-Fixed monthly saving.

> Amount: Rs.10/- or multiple thereof
> Loan available upto 95%.
> Premature withdrawal allowed
> Penalty oFRs.l per 100 if delayed instalment.
> Period: 6-120M in multiple oF3M.
> Interest Rate: As per TD tenor

Variable Progressive Deposit Scheme PD316

> Target Customer-Variable monthly Income group.

> instalment in Multiples oF ^10/- Maximum
^50,000/-
> Core amount may vary up to 5 times
> Instalment can be twice in a month: IF standing
instruction opted.
> Loan available up to 95%.
> Skipped months can be added in tenure.
> Premature withdrawal allowed.

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 Flexi fixed Deposit schemes

> Target- usually keeps high balance in SB/Current

Accounts
> Want interest Benefit of Fixed Deposit.
> For Saving-Smart Save SB211
> For Current-Premium Gold CA109
> Automatic Creation of Fixed Deposit from SB/CA
> Automatic transfer of FD in SB/CA if needed
> Created as per below schedule.
Particulars Smart Save SB211 Premium
gold CA109
Min.AQB 25000 200000
Amount above 50000 500000
Flexi created
Auto Sweep 5000 25000
Reverse Sweep 2000 10000
Penalty for min 400 2000
bal.
Period of FFD 91 to 179days for 45 to 91
Individual days
Schemes TD376 TD379
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 *1

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)

Retail Internet Banking

❖Eligibility: Operative A/cs in all SBA, CAA, ODA, CCA schms

❖Registration:Through l.SelF User Creation 2. Branch Visit
❖View balance and transaction details oFall A/cs
❖FREE OF COST
❖Scheduled and Recurring Fund Transfers
♦MnterBank (NEFT/RTGS), Within Bank and self Linked A/cs (Rs.
25 Lacs Max)
❖24*7 IMPS Facility For instant Inter Bank Fund transFer (Rs.l
Lac Max)
❖Register Online For Email-ids, Aadhaar, mobile banking etc.
❖FDR/CDR/RD A/c opening, reneu/ FDR
❖Request Cheque Book, Demand Draft, close FCNR(B) Deposits
❖Govt-Social Security Schm Registration- APY, PMJJBY,
PMSBY.SGB
❖PPF S SSY Account linking and management.
❖Link DEMAT A/c
❖Link / Delink operative A/c For ASBA, apply For IPOs
❖26AS TDS Form view, e-FUing(IT), Locker Availability Status
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* Generate Loan Interest certificates, pension Slip
❖Card Control Functionality
❖Pin set/reset
❖Change limits for ATM, POS SeCOM channels
❖International usage activate/deactivate
❖ Pay Direct/ Indirect Taxes (Central Excise/ Service Tax 8
Customs Duty)
❖ Pay Canara HSBC OBC insurance renewal premium
❖ BBPS - Pay Mobile/ DTH/ Electricity/ Water bills
❖ Security Features-Last 3 IP Check, OTP for txns, Security
Image S Phrase, Txn-wise limit setting/ Beneficiary addition

Corporate Internet Banking

❖ Eligibility: InstitutionalSCorporate customer

❖ Registration:Appln form to ibank.corporate@)obc.co.in
Simple, easy and secure
❖ Maker Checker concept
❖ Variable transaction limits
❖ File upload Facility for salary, dividend S vendor payments
(08.00AM till 06.00PM All Days)
❖ Inter Bank fund transfer (NEFT/RTGS)
(Bulk File Upload on all working days as per RBI)
❖ e-CommTxns — Bill payments

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Mobile Banking (OBC mPay App)

Eligibility: Operative A/c(SBA, CAA, ODA)

OBC mPAY app on App Store IOS 6 Android

Registration: ATM, IBank, Self
Balance Inquiry and a/c statement.
* Access to all a/c — same custid and mobile no
*Mnstant Fund t r f — Inter/Intra Bank through NEFT, IMPS
*Mnvest Now in Mutual Funds online
❖ paperless KYC
❖ goal based investing
❖ smart Fund recomm
real-time tracking
* Debit/ATM Card Services
❖ HotList, PIN Change
❖ Enable/Disable International usage, Manage Limits
*Book Flight, Hotel 6 Bus thru Goibibo
Bharat QR and UPI Functionality integration
^Transaction Limit — Rs.l lac/day
♦>Max amount per Transaction — Rs.50K
♦MJFe Insurance Service
* Request For Credit Card, Loan, Aadhar link

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SMS BANKING (9915622622)

Account Balance
Mini Statements
Stopping oF Cheques
Blocking oF ATM Cards
SMS Format (9915622622)
Service SMS FORMAT
Account ACBAL<SPACE>ACCOUNT NO
Balance
Mini STM<SPACE>ACCOUNT NO
Statements
3 Stopping oF STOP<SPACE>A/C NO<SPACE>CHQ NO
Cheques
T Block Card BLOCK<SPACE>A/C NO<SPACE>LAST 4 DIGIT OF
CARD
~5~ MMID MMID <SPACE>A/C NO
VIEW /
GENERATIO
N
MMID CANCELMMID <SPACE>A/C NO
CANCEL

ORIENTAL SAATHI APP

Features:-
Branch/ ATM Locator
Complaint / Suggestions
EMI Calculator
Interest Rates
Alerts
Contact Us
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 Unified Payments Interface (UPI) — OBC UPI App

❖ Single click 2-Factor Authentication For subsequent

transactions
❖ 'Virtual address’ as a payment identifier For sending to S
collecting money
❖ Bill splitting with Friends
❖ Best answer to Cash on Delivery hassle, running to nearest
ATM or rendering exact amount
❖ Merchant Payment with Single App or In-App Payments
❖ Schedule, PUSH and PULL Payments For various purposes
❖ Utility Bill Payments, Over the Counter Payments, Barcode
(Scan and Pay) based payments
❖ Donations, Collections, Disbursements Scalable.

Bharat Bill Payment System (BBPS)

❖ BBPS is Reserve Bank oF India (RBI) conceptualized system

driven by National Payments Corporation oF India (NPCI)
❖ Multiple modes oFpayment and provides instant confirmation
oF payment via an SMS or receipt.
❖ bill collection categories include electricity, telecom, DTH, gas,
water bills etc. through a single window. New billers addition in
progress.
❖ Bill payment services For its customers who are enabled For
Internet Banking
❖ BBPS is being oFFered at two platForms right now:-
❖ Pre-Login at Corporate Website
❖ Post Login in Retail Internet Banking
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RETAIL CREDIT SCHEMES

ORIENTAL HOME LOAN SCHEME ( HQ:RETAIL:58:2017-18:978
dated 26.02.2018)
> Target Group-lndivs/Farmer/HNI/NRI
> Purpose-
• Land purchase + construction
• To Buy semi/fully built up home/Flat
• Repair/Improve Existing home
• Furnishing/Fumiture/RooP top SPVs
• Co-Borrowers: Parents, spouse, son, Daughter/in-law 6
Owner oF Property
> Loan Eligibility -
Land/Plot-Max. 50% Eligible Loan
Construct/Purchase -N o upper ceiling
> Provision For Rural Area-
Map From panel Architect
Panchayat approval For NOC S Notified Abadi Area
> Provision For other than Above-
Ensure 13 Year chain oFTitle deed
Approved Plan From Compt. Auth.
Max. Construction Tim e-24 Month
Max. Moratorium : 18 Month
> Repayment Age-
With Pensions others-Max.75 yr.
W ithout Pension-Up to Superannuation

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 > Max. Repayment Period=40 yrs
> Components oFFinance-
Const/Purchase/Repair/+Conversion charges +GSS+ Stamp
Registration (Up to 10 Lakh)

LOAN/MARGIN/LTV/ROI up to Net Take Home=Gross-

2nd H/L (Deduction * Prop.EMI)
Category Margin LTV ROI Gross Take [Take
Income Home Home
Upto ? 30 >10 % >80S=<90 MCLR (TU>600 |(TU>700)
(lac)
lakh and + 0 .10 %
-7 0 0 )
<2 0 %
UP 5 50% 45%
Above ? >25% =<75%
30 lakh >20 % >756=<80 MCLR 5 -1 0 40 % 35%
and upto and % + 0 .10 % 10 8 30% 25%
? 75 lakh <25% Above
Above >25% =<75% MCLR
?75lac

> ROI: 3rd House onward CRE Exposure -MCLR+0.50%

Process Fee
• 0.50% of Loan Amount
• 50% Concession to Loyal Customer
> Pre Payment Penalty /Documentation Charges/UpFront Fee-
NIL
> Security— Primary(EQM/Registered Mortgage)

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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

> Target Group-

lndiv(Salaried/Business/ProFessional/Far
mers)
> Max Loan-
• Carpet area < 1500 sq Feet=15 lac
• Carpet area > 1500 sq Feet=25 lac
> MPBF Calculation-Low er oF A/B/C
A. MPBF=75% oF renovation cost
B. MPBF= 3 0 % oFRV oF house
C. Existing customer-Max amt=
Fresh eligibility oFHL-Existing HL O/s
■ Repayment Tenor- Max.10 Year with max.
6 month moratorium
• Margin-2 5 %

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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)

> Farnily=Husband, wife 8 unmarried children

> No pucca house in their name in India
> Adult Earner/Married Couple Spouse-As a Co-borrower
Waived
> Bank NameS Scheme Display On Property
> Income proof- ITR/Self declaration
> NOC/Permission must from bank on sale

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

> Scheme Overview- For personal/Business expenses

> Target Group-lndiv/Firm/Co. have Security in their name
> Loan Amount- 50Lac max
> Facilities Available- OD/DL (3 yrs),upto maturity period.
> Eligible Securities- LIC policies/eligible govtsec’s
> ROI: 1 Year MCLR monthly rest
> Penal: MCLR+2% on irregamnt+Period
> Margin- 10 % (LIC policy), 25% Pace/acc. OP other sec
> Process/upPront Pees-10/cert.. Min 50+ST+Post chrgs
> Disbursement- Through account oP Borrower
• Unencumbered portion not to be used Por other
Pacilities
• Latest surrender value to be taken For LIC policies
• Loan to guardian can be allowed on sec in the name
oFMinor

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VEHICLE LOAN (HO:Retail: 46:2017-18: 855 dated
09.01.2018)

> Financing new vehicles as well as old cars.

> Customized vehicle loan scheme also available
> Target Group: Employees, businessman, Farmers, NRI, HUF
> 0.1% additional discount in ROI For Female
> Avail loan within 3 months after purchase new vehicle
> No age bar For businessman/professionals
> TA T:-2 4 hours
> Target income group:-
■ 2-wheeler:- min 10,000 pm
■ 4-wheeler:- min 30,000 pm
> Loan ceiling:-
• 2-wheeler:- 50lac
• 4-wheeler:- 250lac
• 2nd hand car:- lOOIac
> For 2nd car min valuation 5 lac
> Margin :- 15% on road/25% oF valuation
> Repayment:-
• 2-wheeler:- 84M
• 4-wheeler:- 100/120M
• 2nd hand car:- 36/48/60M
> R0I:-
• For male:- MCLR+0.5%
• For Female:-MCLR+0.4%
• For 2nd hand:-MCLR+3.5%
> 0.25% concession to loyal customers

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ORIENTAL EDUCATION LOAN

(HO:Retail: 57 :2017-18: 977 dated 26.02.2018)

> Target:- Meritorious students

> Loan:- As per Fee structure
> 0.5% concession in ROI to girls - zl/3i}J<Dvd/3fr
> Collateral Free upto 7.5 lac under CGFSEL
> 2nd EL can avail For higher study
> Financing more than 1 Family member
> 1% concession in ROI For Regular Intt.service
> 0.5% concession to SC/ST/PH/u/omen
> No margin upto 4 lacs
> No upper loan limit For C at-A Inst.(a) MCLR
> Loan disbursal within 15 days
> Available For study-lndia 8 abroad
> Hostel Fee can be availed From bank
> Mgmt quota students can avail loan
> No coll. upto lOlac in Cat-B Inst.
> Apply through VidyaLaxmi portal
> Repayment upto 15 years
> Can be availed near by BO oF
• Domicile
• Present posting
• Institutes
> Interest switch-over available
> No prepayment penalty
> Grace Period- 12M after completion
> Margin NIL upto 4 Lacs

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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)

> Target Group:-Corp Employees

> Purpose:-Any legitimate purpose
> Eligibility:-Confirmed employee
• Min 3 years oFservice
• Net salary 10k and above
> Loan:-
• Upto 15x net take home OR
• Max 5 lac
> ROI:- MCLR+3.75% p.a.
> TAT:-48 hours
> Security:- 1 PG of Fellow employee
> No collateral required/No margin
> No prepayment penalty/lnsp charges
> Easy repayment in 60EMI’s
> Process Fee: 1% oFloan amt

28
 ■-I

ORIENTAL PERSONAL LOAN SCHEME (PENSIONERS)

(HO:Retail: 44:2017-18: 853 dated 09.01.2018)
> Target Group:-Pensioners S Family pensioners
> Purpose:-Any legitimate purpose
> No collateral required/No margin
> No prepayment penalty/lnsp charges
> Eligibility:-
• Pensioners:-last repayment 75yrs
• Family pen.: last repayment 70yrs
• Net take home >=50% gross pension
> Loan:-
• Pensioner
■ Defence : 20M net pension (max lOlac)
■ Others: 18M net pension (max 5lac)
• Family Pensioner
> Defence : 20M net pension (max 5lac)
> Others: 18M net pension (max 5lac)
> ROI:- MCLR+2.25% p.a.
> Security : PG oF spouse/Family/3rd party
> Repayment:- 60 EMI’s OR
• Pensioners:-Max. Age 75yrs
• Family pensioner: Max. Age 70yrs

29
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LOAN AGAINST DEPOSIT
(HO/RMD/17/2017-18/221 dated 21.06.2017)

> Target Group:-

• Indiv/Firms/comp/HUF 8
• having deposit u/ith us
> Personal/business expenditure
> Eligibility:-Loan available upto 95%
> Max loan amt 5crore
> OD is available subject to annual review
> Demand loan is also available
> VPD/PD is also considered
> Facility applicable over FV £ AV
> ROI is 1-1.5% over deposit rate.
> Third party can enjoy
> ROI in case of 3rd party
• 2% over deposit rate OR
• MCLR whichever is higher
> No process/upfront fee is applicable

30
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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
31
ORIENTAL GREEN CARD (OKGC=OGC+TL)
(H0/ABSFI/44/2018-19/405 dated 27.07.2018)

> Term loan Period: 5 to 9 years

> Purpose: Agriculture and Allied Activity
> MPBF:
A: 10 times oFFarm Income
B: 100% value oF Agri. land
C: Max. up to 25 lakh
> Limit: lou/est oFA,B,C

> Margin: (TL)

Loan upto 1.00 lac NIL Loan >1.00 lac 15%

> ROI: MCLR

> Security OGC/OKGC:

Upto 1.00 Lac Hypothecation oF crops/ Assets

Hypothecation oF crops/ Assets £
Mortgage oF Agril Land (or) 3rd party guarantee
OR Liquid security____________________________
Above 2 Lac Hypothecation oF crops/goods 8
Mortgage oF Agril Land (or) 3rd party guarantee
OR Liquid security____________________________

32
 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%

> ROI: MCLR

> 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

33
ir*
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

Farm Machinery Repayment

Min. land Holding
Period
Tractor 2.5 acre 9 Year
Power tiller 1.5 acres 7 Year
Harvester/ Farm
No Min. land holding 5 -7 Year
Implement/ Pumpset
Transport Vehicle
Trucks/ Refrigerated Vehicle 3 acres 5 Year
Jeeps, Pick-up 2 acres 5 Year
2 wheelers/ 3 - wheeler No Min. land
5 Year
holding
> Nature of loan: Term loan
> Margin:________________
Loan upto 1.00 lac NIL Loan >1.00 lac 15%
> ROI: MCLR
> Security:
Upto 1.00 Lac Hypothecation of crops/ Assets
> 1.00 - 2.00 Hypo of crops/ Assets 8
Lac Mortgage of Agril Land / Property (or) 3rd party
guarantee OR Liquid security
Above 2 Lac Hypo, of crops/goods 8
Mortgage of Agril Land/ Property OR Liquid security
34
ir*
OD IN PMJDY (0D521) -(H0/FI/22/2018-19/240 dated
25.06.2018)
> Automation OF OD Facility In PMJDY Accounts through ATM
> system based identification oF the account under PMJDY
u/ith eligibility criteria
> Sanctioning shall be automated and marked via SelF service
option oF ATMs
> No accountability shall be examined
> Purpose: Credit to lou/ income group
> Eligibility:
■ 6 month satisfactory BSBD A/c
■ Regular credit under DBT LPG
■ Mandatory aadhaar seeding in A/c
> Features:
■ OD up to 10000/-
■ No processing Fee
■ No security
■ Automated annual reneu/al
> Request: Through ATM/ Branch
> Age: 18 to 65 years
> ROI: MCLR + 2%
> Eligible SB Scheme: SB212: BSBD
> SB216: FI opened by BC
> SB222: Relaxed KYC docs
> SB224: SB kiosk
> Enhancement: 50% oF total credit From previous year

35
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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
36
ir*
MSME

Oriental Business Loan Scheme

(HO/MSME/ 31 /2017-18/550 date 09.10.2017)

> Target Group-All Business Concerns

> Facility-OD.TL/DL
> Eligibility-Non Individuals
> Purpose- Trading, Manufacturing £ services
> Loan Limit-Upto 75cr.
> Security-
1)Mortgage of immovable property
2)Life 5 yr more than repayment period
> ROI- MCLR+ 2.25%(TL 60D)
> Repayment period-
1)OD(Annual review)
2)TL - 84M
> Cash Handling-50% concession
> Condition-Min 75% turnover routed through A/C

37
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

38
ir*
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)

2)Debt Equity Ratio-upto 4:1

3)Leverage Ratio-Upto 6:1
> ROI-
1)Upto 25 Lac-MCLR+1.00%
2)Above 25 Lac-MCLR+1.50%

39
ir*
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
40
ir*
Oriental UttamVyapari
(HO/ CAD/72/2015-16/ 694 dated 01.12.2015)

> Loan upto 10.00 lacs covered under CGTMSE/ CGFMU

> Maximum upto 100 lacs(50L For R/SU)
> Purpose-CC/TL or both
> Eligiblity
• Existing as well as new business concerns
> Margin-1)20% on stocks(WC)
2)40% on book debts(6M)
3)25% on TL
> Rate oFlnterest-
Loan Limit Rate oF interest
uptolO.OO Lacs MCLR+1.50%
>10.00- 25 lacs MCLR + 2.00%
> 25,00 lac MCLR+2.25%
> Repayment Period
1) T L - 3 to 10 yrs
2) W C limit shall be renewed every yr
> No documentation charges
> Cash Handling charges waived upto 75%
> Small business — TL For W C purpose upto 10.00 lacs For 7
years
> Stock Statement — Y/ HY/ Qtr

41
ir*
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
42
ir*
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

43
ir*
ONE TIME SETTLEM EN T (O TS )

SPECIAL COMMON FEATURES OF SOTS UPTO 1 CRORE:

SCHEMES: (H0/RSL/2018-19/21/529 dated 01.10.20181)

l.S O T S upto 1 lac.

2. SOTS up to 10 lac.
3. SOTS Above 10 lac to 1 crore.
4. SOTS For Direct Agri loan up to 1 crore.

COMMON FEATURES:

> NPA on or beFore 31.03.2018 except agriculture SOTS.

> Valid upto 31.03.2019.
> Valuation report not older than 1 year.
> No valuation required iF settlement amount> o/s.
> StaFF accounts and Frauds not covered.
> CGTMSE - Minimum settlement Amt. is amount received
From Trust.
> Settlement approved by Settlements Committee headed by
Bl/ CH/ Cluster Head
> Implementation oF Automated Online OTS-SoFtware
44
ir*
OTS FOR O/S UPTO 1 LACS

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

SETTLEM ENT AMOUNT:

> Whatever maximum possible

DELEGATED POWERS:
> Settlement committee — BM irrespective oF amount
oF sacrifice

45
 ■-I

OTS FOR PRINCIPAL UPTO 10 LACS

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

> DELEGATED POWERS:

• Settlement committee — BM irrespective oF amount oF
sacrifice

46
 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 )

47
SOTS AGRICULTURE UP TO 1 CRORE:

> Farmers Future Credit Requirements u/ill met by bank iF

settled on Principal
> ELIGIBILTY:
• Loans given to individual other than corporate.
• NPA on or before 30.06.2018
> CALCULATION OF AMOUNT:
• Principal to be RECALCULATED where unrealized interest
capitalized in NPA Accounts
> MINIMUM SETTLEM ET AMOUNT:
Asset class Minimum settlement amount as % of
As on Principal
30.06.18 Upto 1 1-3 lakh 3-10 lakh 10-100
lakh lakh
S u b -S TD 50% 85% 85%
D1 Whatever 40% 75% 80%
D2 Maximum 30% 70% 75%
D3/ Loss Possible 20% 60% 65%
> REPAYMENT PERIOD:
• Minimum upfront amt of 10% deposited.
• Max. Repayment Period is 12 months.
> DELEGATED POWERS:
Settlement committee Delegated powers
BM— Classic/ Udbhav II Upto 25 lakh
BM - Classic/ Udbhav III Upto 35 lakh
BM - Classic/ Udbhav IV Upto 50 lakh
Udbhav branch — RRL upto 50 lakh
Circle office level (C O LC C-C H ) > 50.00 - 100 lakh

48
ir*
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
49
 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).......................................................................
50
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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.

(Aadhar and EKYC guidelines after Supreme Court Ruling:

H0/CS6P/32/2018-19/629 dated 14.11.2018: Aadhar card
or e-KYC is mandatory for opening of account only if
customer gives a declaration that she/he is desirous of
receiving her/his entitled benefits or subsidies of welfare
schemes funded from the Consolidated Fund of India in
her/his account directly)

51
 Sole proprietorship Firm

Any two of the below documents in the name of the

proprietary concern.

> Registration certiRcate (in the case of a registered

concern)
> Certificate/license issued by the Municipal authorities
> Sales and income tax returns
> CST/VAT/ GST certificate (provisional/final)
> Certificate/registration document issued by Sales
Tax/Service Tax/ProPessional Tax authorities
> License issued by the Registering authority like Institute
oP Chartered Accountants oP India, Indian Medical Council
etc.
> Registration / licensing document issued in the name oP
the proprietary concern by the Central Government or
State Government Authority.
> IEC (Importer Exporter Code) issued by the oFfice oP
DGFT
> The complete Income Tax Return oP the sole proprietor
> Utility bills in the name oP the proprietary concern.
> Note: IP only one document available, then CPV (Contact
Point Verification) is required.

52
 ■-I

Partnership Firm

List of selP-attested documents S details to be

submitted Por Partnership Firm:

> List oP benePicial owners holding more than 15%in the

Firm (on letterhead) S their KYC
> Permanent Account Number (PAN) oPRrm

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.

IP unregistered Partnership firms

> Partnership deed; and
> An officially valid document in respect oP the benePicial
owners and person holding an attorney to transact on its
behalP.
> Such information as may be required by the bank to
collectively establish the legal existence oP such an
association such as PAN, TIN, IGST etc. (in lieu oP
Registration CertiRcate)

53
 Private/Public Limited Company
List oP selF-attested documents 8 details to be submitted
For OPC/Pvt./Public Ltd companies:

> Certificate of Incorporation

> Memorandum/Article of Association
> Certificate of commencement of business in case of
Pvt Ltd Co.
> A resolution from the Board of Directors and power
of attorney granted to its managers, oPFicers or
employees to transact on its behalf; and
> KYC documents (i.e one OVD, Photo and PAN/form
60) in respect of Beneficial Ou/ners , Managers,
oPFicers or employees holding an attorney to transact
on its behalf.
> Permanent Account Number (PAN) Entity
> Latest colour passport size photograph of each of the
existing authorised signatories.
> Shareholding pattern/List of beneFicial owner’s
holding pattern more than 25% in the company.
(Directly / Indirectly) on letterhead

54
 ■-I

Trust, Society, Association 8 Club (TA S C )

List oF documents S details to be submitted are as Follou/s

(Trust, Association, Society, Club Accounts):
> Constitution document oF the entity viz
o The Trust Deed in case oF public/ private trust or
Bye-laws in the case oF society/association/ club
o Memorandum oF Association or Article oF
Association in the case oFsec-25 companies
o Rules oF acts or Gazette notiRcations in the case
oF Govt. Quasi — Govt, or Semi — Govt., entities or
entities established under Act under u/hich the
entity is established
> The list oF directors /Members oF the Managing
committee / the Managing Council.
> A copy oF the prooF oF identity oF the entity viz.
o Registration CertiRcate issued by Registrar in the
case oF societies /by charity commissioner in case
oF trust or societies engaged in charitable work
or certificate oF Incorporation issued by Registrar
oF Companies in case oF companies.
o Recognition certiRcate in the case oF educational
institutions.
> PAN card or prooF oF exemption From income tax (iF
applicable).
> ProoF oF communication address oF the entity.
> List oF beneficial owners holding more then 15% in the
Trust. (Directly / lndirectly)(on letterhead)
> KYC oF the beneficial owners

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ir*
Self Help Group (SH G)

> Specific Account opening Form (available at

obcweb)
> Resolution oP the SHG For opening oF saving bank
account u/ith the Bank and authority to oFFice
bearers to open and operate the account.
> Tu/o/three Passport size coloured photographs oF
Office bearers.
> Seal oP the SHG.
> KYC documents oF the office bearers For
identification and address prooF. Banks should not
insist on PAN oFSHGs at the time oF opening oF
account or transactions and may accept
declaration in Form No 60 as may be required.

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