;]jf Joj;fo tyf pTkfbglzn If]q shf{

-Service Business & Productive Sector Loan_

!_ kl/ro (Introduction):

s'g} klg a:t' pTkfbg ug]{ jf vl/b ljlqm ug]{ geO{ u|fxsnfO{ ;]jf k|bfg ug]{ clek|fon] :yflkt gfkmfd'lv jf
k/f]ksf/L -u}/ gfkmfd'ns_ ;+:yf jf kmd{nfO{ o; lzif{s cGtu{t shf{ k|bfg ug{ ;lsg]5 . h:t}M :s'n, sn]h,
gl;{Ë xf]d, xl:k6n, xf]6n, ko{6g Jofj;fo, 8«fOleË :s'n cflb .

@_ shf{sf] k|sf/ (Types of Loan):

• cfjlws shf{ (Term Loan) (Pumori Ac Type 3S)
• rfn' kF"hL÷clwljsif{ shf{ (Working Capital/Overdraft Loan) (Pumori Ac Type 49)

#_ shf{sf] k|of]hg (Purpose of the Loan):

of] shf{ lgDgfg';f/sf] ljQLo cfjZostf k"/f ug{sf] nflu k|bfg ul/g] 5 .
• cfjlws shf{ cGtu{t Joj;fosf] ef}lts k"jf{wf/ lgdf{0f ug{ -h:t}M Building, Compound wall,
Cottage, Garden, Trust, Furnishing, Decoration cfbL_, k"FhLut vr{x? tyf l:y/ ;DklQx?
-h:t}M d]lzg, kmlg{r/, hUuf cfbL_ vl/b h:tf ljleGg lb3{sflng Jofj;flos ljQLo cfjZostfx?
k'/f ug{sf] nflu k|bfg ul/g] 5 .
• clwljsif{ shf{ cGtu{t Jofj;fosf] ljleGg cNksflng cfjZostfx? -h:t}M df}Hbft Joj:yfkg,
pwf/f] Joj:yfkg tyf b}lgs sfo{ ;~rfngsf] nflu cfjZos kg]{ sfo{lzn k"FhL_ k'/f ug{sf] nflu
k|bfg ul/g] 5 .

$_ of]Uotf (Eligibility):
g]kfn ;/sf/sf] sfg"gL k|lqmof k'/f u/L cflwsf/Ls lgsfo -h:t}M cfGtl/s /fhZj ljefu, 3/]n' tyf
;fgf pBf]u sfof{no, jfl0fHo sfof{no, sDkgL /lhi6«f/sf] sfof{no, lzIff ljefu, ko{6g ljefu,
:jf:Yo ljefu, g=kf=÷p=d=g=kf=÷d=g=kf jf Joj;fosf] k|s[lt cg';f/ g]kfn ;/sf/sf] dftxftdf
/xg] cGo ljefux? cflb_ df btf{ /x]sf] lgDg adf]lhdsf] kmd{ tyf Joj;fox?M
• k|f]k|fO{6/l;k kmd{
• ;fem]bf/L kmd{
• k|fO{e]6 sDkgL

dfly pNn]lvt kmd{ tyf sDkgLx?n] btf{ eO{;s]kl5 sf/f]af/sf] nflu cfjZostf / lgodfg';f/ ;DalGwt
ljefuaf6 yk Ohfht lng' kg]{ ePdf ;f] ;d]t lnPsf] x'g' kg]{5 .

%_ nlIft u|fxs (Target Costumer):

• ;]jf d'ns Jofj;fo ug]{ JolQm, ;+:yf, kmd{ tyf sDkgLx? .

^_ cfwf/e't dfkb08 (Basic Criteria):

• cfj]bs kmd{÷sDkgLsf] k|j4{s÷k|f]k|fO{6/÷z]o/wgL g]kfnL gful/s x'g'kg]{5 .
 • g]kfnL gfu/Ls .
• cfj]bs kmd{÷sDkgLsf] n]vfkl/If0f k|ltj]bg adf]lhd slDtdf Ps aif{ d'gfkmfbfoL ;~rfngdf /x]sf]
x'gkg]{5 tyfkL gofF kmd{ tyf Joj;fonfO{ klg ;DefJotfsf] cfwf/df shf{ k|bfg ug{ ;lsg]5 . t/
nuftf/ b'O jif{ b]lv gf]S;fgLdf /x]sf] x'g'x'+b}g .
• ;fgf tyf demf}nf kmd{÷sDkgLsf] Jofj:yfkgn] tof/ u/]sf] ljQLo ljj/0f klg a}+snfO{ ;Gtf]ifhgs
nfu]df :jLsfo{ x'g]5 .
• Negative Networth ePsf] x'g'x'+b}g .

&_ cfjZos sfuhftx? (Required Documents):

cfj]bs C0fL, wg hdfgL / hUuf wgLsf]M
• k'0f{ ?kdf el/Psf] shf{ cfj]bg kmf/d -cfj]bg kmf/d btf{ ug'{ kg]{5 _
• wghdfgL tyf hUufwgLsf] k"0f{ ?kdf el/Psf] cfj]bg kmf/d
• C0fL, wg hdfgL / hUUffwgLsf] xfn;fn} lvr]sf] kf;kf]6{ ;fOhsf] kmf]6f]
• C0fL, wghdfgLsf] / hUuf wgLsf] cfjf; :yfgsf] dfglrq
• C0fL, wghdfgL / hUuf wgLsf]] gful/stfsf] k|ltlnkL

lwtf] z'/If0fsf]M
• 3/hUufsf] nfnk'hf{
• /flhgfdf÷c+za08f÷as;kq jf 3/hUuf gfd;f/L eO{ cfPsf] lnvtsf] k|ltlnkL
• Rffn' cf=j= sf] lt/f] lt/]sf] /l;b
• rf/lsNnf k|dfl0ftsf] sfuh
• 3/ lgdf{0f :jLs[tsf] sfuh
• 3/ lgdf{0f ;DkGgsf] k|df0fkq
• 3/sf] k|dfl0ft gS;f
• hUufsf] gfkLgS;f (Blueprint)
• hUufsf] 6«]; gS;f -cfjZos ePdf_
• hUufsf] kmfOn gS;f -cfjZos ePdf_
• hUufsf] Kn6 /lhi6/ ptf/ -cfjZos ePdf_
• kl/of]hgfut shf{ ePdf d'Nof+sgstf{4f/f tof/ ul/Psf] cg'dflgt lgdf{0f nfut -cfjZos ePdf_
• ?= @) nfv eGbf dflysf] shf{ ;Ldfsf] xsdf gfkL gS;f, An'–lk|G6, 6«]; gS;f Pjd\ cfjZostf
cg';f/ Kn6 /lhi6/ ptf/ nufPtsf gfkL sfof{noaf6 k|fKt x'g] sfuhftx? ljsf; a}+ssf] sd{rf/L
:jod\n] Nofpg'kg]{5 .
• ?= @) nfv eGbf tnsf] shf{ ;Ldfsf] xsdf gfkL gS;f, An'–lk|G6, 6«]; gS;f Pjd\ cfjZostf
cg';f/ Kn6 /lhi6/ ptf/ cflb u|fxs :jod\n] Nofpg] ePtfklg obL u|fxsn] NofPsf] pNn]lvt
sfuhftx?df s'g} c:ki6, s]/d]6 ePsf], k|i6fO{Psf] ePdf jf cGo sf/0faf6 z+sf:kb nfu]df ;d]t
ljsf; a}+ssf] sd{rf/L :jod\n] Nofpg'kg]{5 .

;+:yf÷kmd{÷sDkgLsf]
• kmd{÷sDkgLsf] cBfjlws btf{ k|df0f kq
 • kmd{÷sDkgLsf] :yfO{ n]vf gDa/ k|df0f kq
• sDkgLn] shf{ lng] /sd / ;f] sfo{sf] nflu clVtof/ k|fKt JolQm tf]s]sf] Joxf]/fsf] ;~rfns
;ldltsf] lg0f{o -Minute_
• r'Qmf kF"hLsf] !)) k|ltzt eGbf a9L shf{ dfu u/]df ;f] sDkgLsf] ljz]if ;fwf/0f ;efsf] Minute
k]z ug'{kg]{5 . -k|fOe]6 lnld6]8 tyf lnld6]8 sDkgLsf] xsdf_
• sDkgLsf] k|aGwkq / lgodfjnL -k|fOe]6 lnld6]8 tyf lnld6]8 sDkgLsf] xsdf_
• sDkgLsf] kl5Nnf] k6ssf] z]o/wgL btf{ lstfj -z]o/ nut_
• ;fem]bf/L lnvt -;fem]bf/ kmd{sf] xsdf_
• ut cfly{s aif{sf] n]vf kl/If0fsf] k|ltj]bg
• cfufdL # aif{sf] k|If]lkt ljlQo ljj/0f
• cfo>f]t k|dfl0ft ePsf] sfuhft -Jofj;fo afx]s cGo s'g} cfo>f]t ePdf_
• cl3Nnf] cfly{s jif{sf] s/ r'Qmf k|df0f kq
• ;+rfns / ;+:yfkssf] gfu/Lstf kmf]6f] slk / kf;kf]6{ ;fOhsf] kmf]6f]
• kmd{ Jofj;fosf] kmf]6f]

k'gZrM
!= ;Dk"0f{ k|ltlnkL sfuhftdf æ;Ssn jdf]lhd gSsn 7Ls 5Æ egL C0fLnfO{ x:tfIf/
u/fpg' kg]{5 . eg] kmf]6f]skL u/LPsf] sfuh kqdf a}+ssf] sd{rf/Ln] ;Ssn ;+u le8fO x]/L
"Orginal Document Seen and Verified" sf] 5fk nufO zfvf sfof{nodf shf{
zfvfsf] sd{rf/L / zfvf k|aGwsn] / s]lGb|o sfof{nodf shf{ zfvfsf] ljefluo k|d'v /
;xfos sd{rf/Ln] ;+o'Qm x:tfIf/ ug'{ kg]{5 .
@= gfkL sfof{noaf6 lnPsf] gSzfsf] k5fl8 efudf æo; hUufsf] gSzf gfkL sfof{no =======
af6 ;Ssn k|df0fLt u/fO{ d cfkm}n] g} a}sdf k]z u/]sf] l7s ;f+rf] xf]Æ egL C0fLnfO{
;lx5fk u/fpg' kg]{5 .
#= hUufsf] ;Ssn rf/ lsNnfsf] k5fl8 æo; rf/ lsNnf d C0fL :jo+d\n] ===============
sfof{noaf6 k|df0fLt u/fO{ a}+sdf k]z u/]sf] l7s ;f+rf] xf] .Æ egL C0fLnfO{ ;lx5fk u/fpg'
kg]{5 .
$= cfo>f]t lbg] JolQm ljb]zdf eO wghdfgL lbg g;Sg] ePdf Od]n jf km\ofS;af6
d~h'/Lgfdf dufpg' kg]{5 . / pQm d~h'/Lgfdfsf] k5fl8 æo; d~h'/Lgfdf lbg] JolQm xfn
a}b]lzs /f]huf/sf nflu ======= b]zdf eO xfn a}sdf pkl:yt x'g g;s]sf]n] gLh s} ;lx5fk
u/L o; d~h'/Lgfdf lnvt Od]n÷km\ofS;af6 dufOPsf] xf] . olb o; d~h'/Lgfdfsf]
;lx5fkdf s'g} hfn;fhL lst]{ ePdf d C0fL cfkm} lhDd]jf/ /xg]5' .Æ C0fLnfO{ ;lx5fk
u/fpg' kg]{5 .

*_ lwtf] d'Nof+sg / k|lqmof / kl/of]hgf lgl/If0f (Collateral Valuation Process and Project
Supervision):
• shf{ nufgL lgb]{lzsf, @)&^ sf] kl/R5]b !) jdf]lhd x'g]5 . C0fLsf] kmf]6f] ;d]t cfpg] ul/ lwtf]
z'/If0fsf] kmf]6f] d"Nof°g k|ltj]bgdf x'g' kg]{5 .
• sd{rf/Lsf] l;df ;Ddsf] sd{rf/Laf6 / ;f] eGbf dflysf] lwtf] d"Nof°g ;'lrs[t Ol~hlgo/af6
d"Nof°g u/fO{ d'Nof°g k|ltj]bg /fVg' kg]{5 .
 • Ol~hlgo/sf] d"Nof°g l7s 5 ÷5}g egL zfvf sfof{nodf zfvf k|aGws / shf{ ljefusf] sd{rf/Ln]
;d]t lwtf] lgl/If0f ul/ tf]lsPsf] 9f+rfsf] lwtf] d"Nof°g k|ltj]bgdf x:tfIf/ u/L /fVg' kg]{5 .
• lwtf] z'/If0f ;DalGw ;Dk"0f{ lhDd]jf/L lwtf] lg/LIf0f ug]{ sd{rf/L / d"Nof°gstf{ Ol~hlgo/n] lng'
kg]{5 .
• lwtf] lgl/If0f ubf{ u'un Dofkaf6 x]/L ;f]sf] ;d]t lk|06 u/L shf{ kmfOndf /fVg' kg]{5 .
• zfvf sfof{nodf zfvf k|aGws / shf{ ljefusf] sd{rf/Laf6 lwtf] lg/LIf0f u/L k|ltj]bgdf pNn]v
ug'{ kg]{5 .
• cfjZostf x]/L lwtf] tyf kl/of]hgsf]] 58\s] r]s hf+r shf{ ;ldlt / ;+rfns ;ldltn] ;d]t ug{
;Sg]5 .

(_ wg hdfgL (Gurantor): wg hdfgt lgDgfg';f/ lng ;lsg]5M

• Psf3/ kl/jf/sf] clgjfo{ wghdfgL jf kf/Ljf/Ls d~h'/Lgfdf lnvt lng' kg]{5 .
• k/Ljf/ eGbf aflx/sf] k|ltli7t JolQm . -cfjZos b]lvPdf_
• cfo>f]t lbg] JolQm jf Psf3/ kl/jf/sf] JolQm a}b]lzs /f]huf/Ldf ePdf Od]n jf km\ofS;af6
d~h'/Lgfdf lnvt .
• ;+:yf÷kmd{÷sDkgL ePdf ;+rfnsx?sf] / shf{ sf/f]af/ ug{ clVtfof/ k|fKt JolQmsf] clgjfo{ /
;+:yfks z]o/wgLsf] cfjZostf cg';f/ .

!)_zfv ;'rgf - Credit Information) : shf{ :jLs[tL k|lqmof cufl8 a9fpg' eGbf klxn] shf{ ;'rgf
s]Gb|af6 lgDgfg';f/sf] JolQm jf kmd{sf] shf{ zfv ;'rgf lng' kg]{5 M
• shf{ lgj]bs -JolQm eP JolQmsf] / ;+:yf eP ;+:yfsf] _
• wg hdfgL lbg] JolQmsf]
• hUuf lwtf] lbg] JolQmsf] -olb C0fL / hUuf lbg] JolQm km/s ePdf_
• ;+:yf C0fL ePdf ;+:yfsf ;+rfnsx? / C0f sf/f]af/ ug{ clVtof/ k|fKt u/]sf] JolQmsf]
• cfo >f]t lbg] JolQmsf] -cfjZos ePdf_
• olb CIB Report df cGo a}+s tyf ljQLo ;+:yfaf6 efvf gf3]sf] shf{ b]lvPdf ;DalGwt shf{
lnPsf] a}+saf6 ;d]t shf{ ;"rgf lng' kg]{5 .
• CIB Report df b]lvPsf] shf{ ljj/0fsf] /sd / C0fLn] :jM3f]if0ff u/]sf] lgj]bgdf pNn]v ePsf]
shf{ /sd le8fO x]g'{ kg]{5 ;fy} CIB Report df b]lvPsf] shf{ /sd / C0fLn] :jM3f]if0ffdf
pNn]v u/]sf] shf{ /sd Pp6} x'g'kg]{5 .
• ?= ! s/f]8 eGbf sdsf] rfn' k"+hL shf{ -Overdraft Loan_ k|jfx ubf{ jf gljs/0f ubf{ cGo a}+s
tyf ljQLo ;+:yfaf6 klg rfn' k"+hL shf{ ;f]lx Jofj;fosf] nflu lnPsf] ePdf shf{ lbg] cGo a}+s
tyf ljQLo ;+:yfaf6 clgjfo{ No Objection Letter lnP/ dfq shf{ k|jfx jf gljs/0f ug'{ kg]{5 .
-;fy} ?= ! s/f]8sf] shf{ /sd l;df g]kfn /fi6« a}+sn] ;do ;dodf lgb]{zg lbP jdf]lhd 36a9 x'g
;Sg]5 ._
• ?= ! s/f]8 eGbf a9Lsf] rfn' k"+hL shf{ -Overdraft Loan_ k|jfx ubf{ jf gljs/0f ubf{ cGo a}+s
tyf ljQLo ;+:yfaf6 klg rfn' k"+hL shf{ ;f]lx Jofj;fosf] nflu lnPsf] ePdf shf{ lbg] cGo a}+s
tyf ljQLo ;+:yf;+u clgjfo{ kf/Lkf;' ;Demf}tf u/]/ dfq shf{ k|jfx jf gljs/0f ug'{ kg]{5 . -;fy}
 ?= ! s/f]8sf] shf{ /sd l;df g]kfn /fi6« a}+sn] ;do ;dodf lgb]{zg lbP jdf]lhd 36a9 x'g
;Sg]5 ._

!!_ shf{ :jLs[tL k|lqmof tyf clVtof/ (Credit Approval Process and D iscretion):
• shf{ :jLs[tLsf] nflu tf]lsPsf] 9f+rfdf Credit Apprisal (CAP) tof/ ul/ zfvf sfof{nodf zfvf
:t/Lo shf{ l;kmf/L; ;ldlt / s]lGb|o sfof{nodf shf{ zfvf ljefluo k|d'v / shf{ zfvfdf sfof{/t
sd{rf/Ln] x:tfIf/ u/L shf{ ;ldltdf k]z ug]{5 . ;fydf Loan Documentation Check List
;d]t k7fpg' kg]{5 .
• shf{ ;ldltn] cfkm\gf] l;df leq /x]sf] shf{ :jLs[t ug]{5 / ;f] eGbf dflysf] ;+rfns ;ldltn]
:jLs[t ug]{5 .
• shf{ l;kmf/L; / shf{ :jLs[tsf] dfOGo'6 ul/ /fVg' kg]{5 .
• shf{ :jLs[t eP kZrft ;f]sf] hfgsf/L kq s]lGb|o sfof{noaf6 k7fOg]5 .

!@_ shf{ /sd (Loan Amount):

• o; shf{ cGtu{t Go"gtd C0f /sd ?= !,)),)))÷– -cIf]/]kL Ps nfv_ x'g]5 .
• shf{sf] clwstd l;df -Psn shf{ u|fxs l;df_ g]kfn /fi6« a}+ssf] lgb]l{ zsf adf]lhd cl3Nnf]
q}df;sf] k"FhLsf]ifdf cfwfl/t x'g]5 .

!#_ d'No lgwf{/0f -Jofhb/, ;]jf z'Ns, xh{gf tyf cGo z'Nsx?_ (Pricing):
• Jofhb/ ;do ;dodf a}+sn] tf]s] adf]lhd x'g]5 .
• ;]jf z'Ns ;do ;dodf a}{sn] tf]s] adf]lhd x'g]5 / shf{ :jLs[tLsf] ;dodfg} lgwf{/0f u/L shf{
lgsf;f x'g'k'j{ lng'kg]{5 .
• xhf{gfsf] b/ a}+ssf] lgod adf]lhd x'g]5 .
• olb s'g} a]}+s tyf ljQLo ;+:yfn] shf{ :jfk u/]df shf{ :jfk z'Ns @ k|ltzt x'g]5 .
• cf]=8L= shf{sf] xsdf shf{ cjlwdf cf}ift ^) k|ltzteGbf sd pkof]u ePsf] kfO{Pdf ;f] /sddf $
k|ltztsf b/n] unutilized charge nfUg]5 .
• ?= %) nfv eGbf dflysf] cfjlws shf{sf] xsdf clu|d e'QmfgL z'Ns @ k|ltzt nfUg]5 .

!$_ ;]jf k|bfg ;dofjwL (Service Delivery):

• ;Dk"0f{ cfjZos sfuhkq ;lxtsf] shf{ dfu kmf/d k|fKt eP kZrft & sfo{ lbg .

!%_ sfg'gL sfuhkqx? (Legal Documents):

• C0fLn] :jLsf/ u/]sf] k|:tfj kq
• a}+ssf] gfddf hf/L u/]sf] ;DklQsf] ljdfn]v ;Ssn / ljdf lk|ldod e'QmfgL u/]sf] ;Ssn /l;b
• shf{ td;'s
• k|f]ldz/L gf]6
• wghdfgL lnvt
• kf/Ljf/Ls d~h'/Lgfdf lnvt
• shf{ sf/f]af/ ug]{ clVtof/L lnvt -kmd{÷sDkgL÷;+:yf C0fL ePdf_
 • lwtf]aGws b[li6 kf;sf] td;'s / dfnkf]t sfof{nosf] /f]Ssf kq ;Ssn ;d]t
• lwtf] dGh'/Lgfdfsf] lnvt -lwtf] t]>f] kIfsf] ePdf_
• shf{ /sd 6«fG;km/sf] lgj]bg
• cfGt/Ls kq
• C0fLaf6 x:tfIf/ ePsf] shf{ e'QmfgL ug]{ ls:tf tflnsf

!^_ shf{ nufgL k|ltzt (Margin Of Loan Security):

• lwtf] d'Nof°g /sd Distress Value sf] &) k|ltzt;Dd shf{ nufgL ug{ ;lsg]5 . obL ;f] eGbf
dfly nufgL ug'{ k/]df ;DalGwt shf{ ;ldltsf] k"j{ :jLs[tL lng' kg]{5 .

!&_ 5'6 (Credit Waiver):

• shf{ nufgL ug{sf] nfuL zt{ tyf aGb]hx?df s'g} 5'6 ug'{ k/]df shf{ :jLs[ltsf] ;dodf g} shf{
:jLs[t k|:tfj kq -CAP_ df 5'6 ug'k{ g]{ sf/0f :ki6 ?kdf pNn]v u/L k7fpg' kg]{5 .

!*_ shf{sf] ;dofjwL (Tenure of Loan):

• cfjlws shf{sf] nflu clwstd\ ;dofjwL !% aif{sf] x'g]5 .
• clwljsif{ shf{sf] ;dofjwL ! aif{sf] x'g]5 / l/elNeË x'g]5 oBkL ljutsf] ;Gtf]ifhgs sf/f]af/ tyf
pkof]lutfsf] cfwf/df gljs/0f÷kl/dfh{g ug{ ;lsg]5 .

!(_ u]|; cjwL (Grace/Moratorium Period):

• u]|; cjwL ;fdGotof cfjlws shf{df x'g]5 / shf{ k|afx ePsf] ldltn] clwstd\ ! jif{ ;Ddsf]
x'g]5 . tyfkL C0fLsf] jf:tljs cfjZostf / g]kfn /fi6« a}+ssf] lgb]{lzsf adf]lhd k|bfg ug{
;lsg]5 .

@)_ jLdf (Insurance):

• cfj]bsn] shf{sf] ;'/If0f jfkt n]lvlbPsf] ;DklQ, 3/sf] Go"gtd cUgL tyf e'sDksf] hf]lvd ;d]6\g]
u/L tyf df}Hbftsf] jLdf u/fO{ a}+ssf] gfddf b/lk7 ;d]t u/L ;Ssn} jLdfn]v tyf jLdfz'Ns
lt/]sf] /l;b ;d]t a}+sdf /fVg'kg]{5 .
• jLdfn]vsf] nfuL cfjZos ;Dk'0f{ /sdx? cfj]bsn] g}} Joxf]g'{kg]{5 .
• hUufsf] ljdf cfjZos x'b}g t/ 3/sf] jLdf ljdf clgjfo{ ug'{ kg]{5 .

@!_ ;'/If0f (Security):

• lwtf] ;'/If0f /flvg] 3/ hUuf tyf ;DklQ shf{ /sdnfO{ vfDg] u/L a}+ssf] gfddf lwtf]aGws kf;
ul/ lbg' kg]{5 .
• a}+ssf] kIfdf x'g]u/L ;DklQsf] jLdf ug'{kg]{5 .
• JolQmut wghdfgt ÷kf/Ljf/Ls d~h'/Lgfdf
• k|f]ldz/L gf]6
• shf{ td;'s
@@_ shf{ e'QmfgL k|lqmof (Loan Repayment Process):
• cfjlws shf{sf] e'QmfgL k|lqmof ;ddfl;s ls:tf e'QmfgL (EMI) cg';f/ jf Jofh dfl;s / ;f+jf
e'QmfgL q}dfl;s÷cw{jflif{s÷jflif{s x'g]5 .
• clwljsif{ shf{sf] Jofh dfl;s÷q}dfl;s ?kdf e'Qmfg ug'{kg]{5 / ;f]sf] ;fFjf a}+sn] dfu
u/]sf]÷Cl0fn] rfx]sf] avt jf shf{sf] Dofb ;dfKtLdf e'Qmfg ug'kg]{5 oBkL shf{sf] ljutsf]
;Gtf]ifhgs sf/f]af/ tyf pkof]lutfsf] cfwf/df gljs/0f ug{ ;lsg] 5 .

k'gZrM dfl;s Jofh e'QmfgLnfO{ k|fyldstf lbg' kg]{5 .

@#_ shf{ lgsf;f (Loan Disbursement):

• shf{ :jLs[tL ePkl5 lwtf]aGws kf;sf] td;'s / ;Dk"0f{ cfjZos sfg"gL sfuhftx?df C0fL,
JolQmut wghdfg lbg] JolQm tyf cGo ;DalGwt JolQmx?sf] x:tfIf/ eP kZrft a}+ssf] ;DalGwt
clwsf/ k|fKt clwsf/Ln] k|dfl0ft u/L ;s]kl5 rlNt vftf dfkm{t /sd lgsf;f ul/g]5 .
• clwljsif{ shf{sf] xsdf cflwljsif{ vftf ;~rfng ul/ ;f]xL vftfdf shf{ l;df k|bfg ul/g]5 .

@$_ shf{ c;'nL k|lqmof (Loan Recovery Process):

• shf{ c;"nL k|lqmof o; a}+ssf] æshf{ nufgL lgb]{lzsf, @)&^Æ sf] kl/R5]b !@ df Joj:yf eP
adf]lhd, ;do ;dodf o; a}+sn]] tf]s] jdf]lhd / k|rlnt P]g, lgod, sfg"g jdf]lhd x'g]5 .

@%_ shf{ k|ltj]bg ;DaGwdf (Credit Reporting to Corporate Office):

• -lgoldt shf{_ dfl;s÷q}dfl;s jf s]Gb|Lo sfof{non] dfu u/]sf] avt
• -clgoldt shf{_ dfl;s÷q}dfl;s jf s]Gb|Lo sfof{non] dfu u/]sf] avt

@^_ shf{ gf]S;fgL Joj:yf (Loan Loss Provision):

• g]kfn /fi6« a}+sn] ;do ;dodf tf]s]sf] lgb]{zg jdf]lhd .

@&_ shf{ ;b'kof]lutf lg/LIf0f - Loan Utilization Report):

• k|To]s q}df;Ls -cflZjg, kf}if, r}q / ciff9_ dlxgf ;dfKt ePsf] Ps dlxgf leq kl/of]hgfsf] shf{
;b'kof]lutf shf{ zfvfaf6 x]/L shf{ kmfOndf ;f]sf] l/kf]6{ shf{ zfvf k|d'v / zfvf k|aGwsn]
x:tfIf/ ul/ ;DalGwt shf{ kmfOndf /fVg' kg]{5 . shf{ b'?kof]u ePdf jf kl/of]hgf rfn' xfntdf
gePdf tTsfn s]lGb|o sfof{nodf lnlvt hfgsf/L u/fO{ shf{ c'';'ln k|lqmof cufl8 a9fpg' kg]{5 .
• rfn' k'+hL shf{ -Overdraft Loan_ sf] k|To]s q}df;Ls -cflZjg, kf}if, r}q / ciff9_ dlxgf ;dfKt
ePsf] !% lbg leq u|fxsaf6 x:tfIf/ u/fO{ Stock, Receivable, Payable, Cash / Bank
Balance cflbsf] ljj/0f lng' kg]{5 .