Valid upto ..

(Branch Code) Card holders Photograph with signature

Signature of the Brach Manager

The borrower would be issued a photo card indicating sanctioned limit and validity of the limit (sample card) Insurance :

Fixed assets/stock pledged/hypothecated to the bank be fully insured at least to the extent of the bank interests. Bank may waive insurance of assets for equipment against the fire and other risk up to Rs.25000/-

Cover under credit guarantee scheme : All eligible loan accounts sanctioned for small scale industries (other than services) would qualify for cover under CGTFSI scheme (presently the scheme has been introduce in five circles on pilot basis viz. New Delhi, Chandigarh, Lucknow, Patna & Hydrabad). Operation :

Small business credit card accounts should be maintained in a separate ledger. Cheque book should be issued and marked as small business credit card account. Pass book should be issued for mall business credit card holders. Stock statement waived. Submission of audited balance sheet waived. Borrower would be issued a small business credit card with photograph thereon. Cost of photograph to be borne by banks. IRAC norms would be applicable. Brief opinion report should be recorded. Marked inquiries should be made and recorded in the opinion report and singed by the field officer/cash officer or officers not below that rank. Units within a radius of 5 kilometers may be covered intensively for the issue of credit card. This condition may be waived for such of those units already in the book of the branch.

Inspections :

Q13. If yes, from where? a) c) Friends Advertisement b) d) Bank Employees Publicity

Q14. Do you want to give any suggestions to banks? . .