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Accordingly, the credit planning should be weighted in favour of scheduled castes / scheduled tribes and special bankable schemes suited to members of these communities should be drawn up to ensure their participation in such schemes and larger flow of credit to them for self-employment.
It will be necessary for the banks to consider loan proposals of these communities with utmost sympathy and understanding.
Any major gap or variation in credit flow to SC/ST on a year to year basis should be reported to Board of the Bank for review under the themes of “Financial Inclusion” in term of circular DBR No. Banks are advised to submit the same in a timely manner.
Lenders are persons or entities (private sector or government) that originate, hold, service, fund, buys, sells or otherwise transfers a loan guaranteed by the Department of Veterans Affairs.
2.2 In order to encourage SC / ST borrowers to take advantage of credit facilities, greater awareness among them about various schemes formulated by banks will have to be created.
As a majority of the eligible borrowers would be illiterate persons, publicity through brochures, other literature, etc. The more desirable method would be for the field staff of banks to contact such borrowers and explain to them the salient features of the schemes as also the advantages that will accrue.
1.4 At the block level, a certain weightage is to be given to scheduled castes / scheduled tribes in the planning process.
1.3 Banks will have to establish closer liaison with the District Industries Centres, which have been set up in different districts for promoting self-employment.
2.3 Circulars issued by RBI / NABARD should be circulated among the staff for compliance.
1.2 The district credit plans formulated by the lead banks should clearly indicate the linkage of credit with employment and development schemes.