TABLE OF CONTENTS
1
Introduction
21.1Objectives Of The Code21.2Application Of The Code22
Key Commitments
32.1Our Key Commitments To You33
Information
53.1If You Want To Become Our Customer53.2Interest Rates63.3Tariff Schedule63.4Terms And Conditions64
Privacy And Confidentiality
74.1Credit Reference Agencies85
Lending
85.1Application85.2Credit Assessment95.3Sanction/Rejection105.4Post Disbursement115.5Non Fund Based Facilities125.6Financial Difficulties125.7Nursing Sick MSEs And Debt Restructuring146
Collection of Dues
146.1Security Repossession Policy167
Deposit Accounts
167.1Account Opening And Operation Of Deposit Accounts167.2Changing Your Account177.3When You Open A Deposit Account177.4Minimum Balance177.5Charges187.6Term Deposits187.7Statements187.8Dormant/Inoperative Accounts187.9Closing Your Account197.10Clearing Cycle/Collection Services197.11Cash Transactions197.12Direct Debits And Standing Instructions207.13Stop Payment Facility207.14Cheques/Debit Instructions Issued By You207.15Branch Closure/Shifting217.16Settlement Of Claims In Respect Of Deceased Account Holders218
Protecting Your Accounts
218.1Secure And Reliable Banking And Payments Systems218.2Keeping Us Up To Date218.3Checking Your Account218.4Taking Care228.5Internet Banking238.6Cancelling Payments248.7Liability For Losses249
Services
249.1Foreign Exchange Services249.2Remittances Within India2510
Complaints, Grievances And Feedback
2610.1Internal Procedures2610.2Banking Ombudsman Scheme2611
Advertising, Marketing And Sales
2712
Monitoring
2713
Getting Help
2814
Review Of The Code
28
Annex - Glossary
29
of 00
Other Caveats Governing Credit Facilities Agreed
386 Reads
Info and Rating
| Category: | Uncategorized. |
| Rating: | |
| Upload Date: | 05/02/2009 |
| Copyright: | Attribution Non-commercial |
| Tags: |
Leave a Comment