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HO: BR: 113: 151 30.06.2021

Circular to all Branches and Offices in India

~ ISSUED BY FINANCIAL INCLUSION DEPARTMENT ']

Madam/Dear Sir,

Re: Roll out of New Product - PMJDY OD initiation request at BC Points

Overdraft under PMJDY as an integral part of Pradhan Mantri Jan Ohan Yojana scheme has
been designed to provide hassle free credit facility to low income group / underprivileged
customers to match their low, irregular and unpredictable incomes and to enable them to meet
their exigencies without insisting for security, purpose or end use of the credit. This is also aimed
at inculcating the habits of credit discipline and savings among the customers.

You are aware that under Pradhan Mantri Jan Ohan Yojana, a running overdraft facility up to
Rs.10,000/- is granted in PMJDY savings bank accounts (SB124, SB127, SB130 and SB150)
to all eligible PMJDY accountholders. Detailed guidelines about the scheme and procedure for
its sanction at branches were issued to all branches and offices vide circular No. HO: BR: 111 /36
dated 14-02-2019.

Engaging BC agents

Bank of Baroda has a strong network of 23000 plus BC agents across the country located nearer
to the customers providing a wide range of banking and financial services. It has been decided
to leverage the wider network of BC agents to enable the PMJDY account holders to initiate
online requests for sanction of PMJDY overdraft, to their respective base branches, at the BC
points linked to those branches.

To facilitate deeper penetration and financial inclusion and ease of initiating requests for
PMJDY OD overdraft facility by eligible PMJDY customers, Bank has rolled out a new
service "PMJDY OD request at BC points" at all our BC points.

Process of "PMJDY OD at BC points"

► Customer visits BC point and initiates request.

► Customer is authenticated via Aadhaar eKYC biometric authentication.
► Request (similar to Aadhaar Seeding but with OD flag) sent to CBS.
► CBS runs checks and validations.
► If checks by CBS succeed, record is pushed to UIDADC and if checks fail request is
rejected and both cases response provided to FIG.

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\V' / Head Office- Financial Inclusion & CSR, 4th Floor, "Baroda Bhawan", R.C. Dutt Road, Alkapuri, Vadodara-390007. INDIA.
W /v 'Q>l.JPh: 0265- 2316406 I 07, f"JIB /Email: fie bcc@bankofbaroda.com, ~/Web: www.bankofbaroda.co.in
#' V Page 1 of 18
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► The records pushed to UIDADC are approved and verified or rejected, as the case may
be, by branch officials.
► Once the record is verified request to NPCI is sent for mapping in APBS mapper with
OD availed flag.
► NPCI may accept or reject the request and the records status in UIDADC is updated
accordingly. If the APBS mapping at NPCI with OD availed flag is successful, PMJDY
OD is automatically calculated and sanction details are updated for the account.
► FIG obtains the sanction details from CBS through scheduled queries.
► "Loan Application-cum-undertaking" (Annexure - B) for PMJDY OD is generated by the
agent and handed over to the customer.
► Customer submits the same to Base Branch duly signed by him and witnessed by the
BC agent.
► Base branch checks the records and ensures the documentation is correct.
► Base branch generates the Letter of Arrangement (Annexure - C) from Fl dash board
and hands over to customer and obtains acknowledgement from the customer.
► Base branch releases the drawing power.
► Customer can utilise the available limit through any channel.
(Detailed Standard Operating Procedure is attached in Annexure - A)

Commission to BCs for initiating the PMJDY OD request:

► Incentive of Rs.25/-to BC agent, for every captured request of PMJDY Overdraft, subject
to its successful sanction and disbursement i.e. release drawing power by branch
officials.

► 1 % of the availed amount of the PMJDY OD account per annum on pro-rata basis, on
every successful review of the account, subject to the following:

a) At least 60% of the availed amount has been utilized by customers in the review
period.

b) The asset classification of the account is Standard condition

(Note: the commission amount payable will be shared at the ratio between
field BC agent and his CBC as per extant norms, currently it is 80:20)

For example: If BC initiates a PMJDY OD lead for a customer on 22nd June 2021 and after
receipt of loan documents drawing power of Rs. 10,000 is released by Branch on 25th June
2021:

1. Commission for initiation: BC Agent is eligible for Rs.25/- for initiating the successful
request for PMJDY OD. In case the request is rejected, agents will not be eligible for any
commission.; AND

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Head Office- Financial Inclusion & CSR, 4th Floor, "Baroda Bhawan", R.C. Dutt Road, Alkapuri, Vadodara-390007. INDIA.
'Cf>T./Ph: 0265- 2316406 / 07, {-lR'I /Email: fic.bcc@bankofbaroda.com, ~/Web: www.bankofbaroda.co.in
Page 2 of 18
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2. Commission on review of OD limit:

a. If the current limit of Rs.10,000/- is reviewed after completion of one year (12
th
months), i.e. on 25 June 2022 with drawing power of Rs.10,000/- and the average
utilisation of limit for last 12 months is minimum 60% and asset is classified as
standard, then BC agent is eligible for commission @ 1 % of the availed limit. i.e.
amount for which drawing power is given - Rs. 100; OR

b. If the current limit of Rs.10,000/- is reviewed after completion of 15 months, i.e. on

th
25 Sep 2022 with drawing power of Rs. 10,000/- and the average utilisation for 15
months is minimum 60% and asset is classified as standard, then BC agent is
eligible for commission @ 1 % of the availed limit. i.e. amount for which drawing
power is given - Rs. 100/12x15 months, i.e. Rs. 125/-; OR

c. If the current limit of Rs.10,000/- is reviewed after completion of 10 months, i.e. on

th
25 Apr 2022 with drawing power of Rs. 10,000/- and the average utilisation for 1 O
months is minimum 60% and asset is classified as standard, then BC agent is
eligible for commission @ 1 % of the availed limit. i.e. amount for which drawing
power is given - Rs. 100/12x10 months, i.e. Rs. 83/-

The commission for successful OD initiation on sanction and disbursement of the limit and
subsequent review will be paid centrally by the Bank as part of other payments made to BCs.
Branches are not allowed to make any payment to BC agents in this regard. Branches also have
to ensure that BC agents do not collect any extra charges from customers for providing this
service at BC point.

Action point for Branches

In order to facilitate smooth roll out of the functionality, we request all field functionaries to

► Disseminate the availability and process of "PMJDY OD at BC points" to all Fl customers

and guide their BC agents;
► Access UIDADC menu in CBS and clear pending entries on daily basis;
► Access Fl dashboard using SSO login and generate "Letter of Arrangement" (procedure
as per Annexure - D) immediately on receipt of duly executed "Loan Application-cum-
undertaking" from the customer and get acknowledgement;
► Release Drawing Power without failure after receipt of duly executed PMJDY OD Loan
document and acknowledgement of Letter of Arrangement from the customer.
► Safe keep all PMJDY OD loan documents;

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Head Office- Financial Inclusion & CSR, 4•h Floor, "Baroda Bhawan", R.C. Dutt Road, Alkapuri, Vadodara-390007. INDIA.
tl51./Ph: 0265- 2316406 / 07, ~-'JIB/Email: fic.bcc@bankofbaroda.com, mr / Web: www.bankofbaroda.co.in
Page 3 of 18
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► Review the limits as and when they become due without any delay.
► Take advantage of this additional facility for PMJDY OD and canvass maximum possible
PMJDY OD accounts.

Yours faithfully,

~ ~
(Archana Pandey)
General Manager
Financial Inclusion & CSR

Enclosed: Ala

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Head Office- Financial Inclusion & CSR, 4th Floor, "Baroda Bhawan", R.C. Dutt Road, Alkapuri, Vadodara-390007. INDIA.
t:ITT./Ph: 0265- 2316406 / 07, ~-lIB / E mail: fic.bcc@bankofbaroda.com, ~/Web: www.bankofbaroda.co.in
Page 4 of 18
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Annexure - A

Standard Operating Procedure·

PMJDY OD at BC Points
Initiating request at BC points for Overdraft limit under PMJDY up to Rs.10,000/-

STEP - 1: Initiation of PMJDY OD Request through BC point

► Customer approaches the BC agent of our Bank for initiating the request for
sanction of PMJDY OD In his account maintained with our Bank. The Link Branch
of the BC agent and Base Branch of the customer must be same.

► BC agent logs in to menu for 'Initiate PMJDY-OD request' available in menu 'Other
Services".

Uacr Type: A.sent

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WELCOME TO SYSTEM ADMINISTRATION

CHOOSE THE SERVICES FROM THE MENU
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1). For inltating PMJOY 00 registration c::>
2). For PMJOY 00 status enquiry & Loan document generation c:::::::::>,

► After selection of 'Initiate PMJDY OD request' sub-menu, BC agent shall be

prompted to obtain the following details from the customer:

a. Saving Bank Account Number (14 digit SB a/c number)

b. Aadhaar Number/Virtual ID (12 digit or 16 digit - verhoeff verified)

c. Previous bank IIN (for customers whose present mapping is with a

different bank) (If customer is not aware of existing DBT seeded bank
details, BC can check the details of current mapping status and
previous Bank IIN using menu Aadhaar lookup in BC Portal)

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Head Office- Financial Inclusion & CSR, 4th Floor, "Baroda Bhawan", R.C. Dutt Road, Alkapuri, Vadodara-390007. INDIA.
'Q'll./Ph: 0265- 2316406 / 07, ~-lIB / E mail: fic.bcc@bankofbaroda.com, ~/Web: www.bankofbaroda.co.in
Page 5 of 18
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Pleas• Click bm to ,i•w th• Reports

Nan Ustr Type: A&tnl
Mt login : 1~·202117:21:44
11omtl Print l"&n0ut
UI\Sllcct1,:$1ul Attempt$Sime last Lo,ein: 0

Registration of PMJOY 00
Account Number •

Custom•r'• UID Number•

®010°'10 Aadbnr 1 lokino 51:ib,s

PreYious Bank UN .,, ~------~'\

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► After providing above inputs, Continue has to be clicked.

► After clicking continue, an online declaration shall be displayed. BC has to explain

the contents of the declaration to the customer in local vernacular language,
obtain his consent and click on Agree or if customer disagrees, click on disagree.

ONUNE DECLARATION CUM UNDERTAKING

(for ~th; PNJOY 00 rtGCtit/
!dttbn dut

• I bivt Oft( ont 8S80 KC01111t -.,:ti, S.nk of 81rod1 1114 do not ~IY1 111f ~ !S!O J 11011·6S80 Jctoum wM Sink ol &amf1
~ I 1-.ivt not miltd any O't'ttlnft undtr Pli!XW 00 schn t or COt< Cttdi! f KCC / GC'C idy fromifl'\k ol broci1 or 1r,y othtr 811\~
~ I :wa tlit ffm1"19 mtmber cl nr ~->Id ¥1d 110 llthtr rntmbtr oi my ~ousth:lld ( fal'llly haVf: miltd loik'I ur.dtr PM.JOY 00 Khtm1 frtrn ~Ii« !lrocb or fnY or.hw S.r,l

1 u1 holder d~ivtn Aid:"lur ftUfflbtr aod 1ubmit mv behur numbtr ind hfflby Yoli.itlf.1,iy 9i¥t 11r ctwutr..f: to~ d lbrod.i Sffd my Aidhur ~ my 1bcv1 1cCD11nt far ttai r,t cf OBT bt::-.11'ks ind to 1,iH my hdNtrdttiits to aW'lffl tiatt mt with UIDAL J 1mdtrst.nd~It•
men Olin OM btr.tfu tnnsft< is dut ~ tr;t, 14 rtctA't 11 btn e6t u1nsfen in this KC.3Jnt. Ihm ~"" 9VtflU> undtrmlld tht Wom,1Wt submir.td by mt ti) mt Sin~ shall t10tb! uwJ' for viv ~m otMt than intr.tiontd ibovt,

• My ~ar is n« Htdtd widi .-rfothtl' Bin< br NC'liv~ OBT / Om btntfb. OR

~ Ny udhm is a.rrtndy stedtd "idt !:ht v,'tn bil'lk ¥id ~ YOI.I t1' CNngt 08T m1win9 1tNPCl ffin my KCOJM . ,_t, t, dli't Nn~ to ""I' abo~t iCi'Ct111: with Snlc cf 2.roda,

1
fi9ibitityaittnaurlll«thtPM.DYOOschetatoftM!ii~
-.. Sinwfiil 1uthtntit1tion of my Mdhur dt11a1 Wd1 UJDAI:
lo S...Ccessi;I m,ppinq ol frrf A.ld'rtm r.lU!lb1:r ~th H?CI for rKt:;pt cf DBT btnetru in my ICCOllnt wid, Bank of Baroda ind sur:.tssM updaticn llfdi PMlOY 00 mikd wiltl 8-ll ,j ~in th NPCI m~
• PMJOVOOn.atdm1lll'f"9'for8rioiBuodiwlthJir01halW1tM tildos.ir1ofOl1!c1~

I JI.so un!Ml1nd lht 1mcM1! rJ PliOOV c'l'6f'lhft than bl Mllistd only afw 6it ~ of H9bility cri".e!IJ, tKYC dt!Jffli. ate,, Ir( Bank oincals a.'ld ttlt samt did QI~ to 11"11 by tht Stn(. ·, the. reqvtit is mt;nd by th, Bink.
t dtdin tllit tl<-t Pomution provio!d by mt in du ,ppliaticn form is tNt and t'Ol'l'f ct. It wil be II MW for tbt bitik to dbq1nl;fy mt fflllTI r!<fMl'l9 111r C'tdit fKi1.1m from tht !iink in mt tt i5 pro'ltd th.it my dtd1rxi0m !Nd, IOO'tt conuin ~rgtloo cl fa~
I hffl'j' Jgl1t thit l'l tht l'Nlt olbrtWI of vn~ Of tlfml 11'.!d cotlditiOns tub-,,,a ro whlct,O'llfO'l ft fdity his betn "nctmtd and /or any of !ht uncltrukingf; or irlfo!'Ntv., tht Ear.~ at b »It distl"ttlOl'I may diiaintll'llif !ht 00 fxiMty.
Ihnl,y wthorizt d\t b~ to '1dos, al« 111y plf00lla11 ordf'tM« informa tion rtlaling tomy lo.,r. 1ttC\.lnt5 ..,Kl-,ti;, Si:,k, to any odw finlflcia:I flilhltion, Govtmmtnt er iny tgtr,cy{iu) ts ffl.f)'btconsiotrtd !ll(tSW,OI' dtinblt hy tbt Bin\::.
I hfflby lfftdfn:1h an~ agrH t::) rte•y tht Mmndift9 ~tf with irittrtst. <¢51, ~tgtl, ttc In !ht. tvtnt cf tttmir,ttion °' diKc.fttio11atiM ,I !fitf101ify.

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Head Office- Financial Inclusion & CSR, 4th Floor, "Baroda Bhawan", R.C. Dutt Road, Alkapuri, Vadodara-390007. INDIA.
'Cl'il./Ph: 0265- 2316406 / 07, {-mr /Email: fic.bcc@bankofbaroda com,~/ Web: www.bankofbaroda.co.in
V Page 6 of 18
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► If BC clicks Agree, option to capture finger prints of the customer shall be

displayed along with the consent for FP capture and Aadhaar authentication of the
customer.

Finger Print Capturing Process for the purpose of PMJDYOD

Registration
Capturing finger for UID Number xxxxxxxx6359

1.11 I hereby submit my Aadhaar number as issued by UIDAI and voluntarily provide my consent to
Bank of Baroda, as per regulations of Aadhaar Act, 2016,for obtaining my fingerprint and for
submitting the same to UIDAI for authenticating me with UIDAI.
I am aware that Bank of Baroda shall perform the PMJDY OD registration initiated by me only on
successful authentication of my fingerprint submitted to UIDAI.
I am aware that my details will not be used by Bank of Baroda for any other transactions or
purpose.»

► If the Aadhaar / VID (Virtual ID) details and finger print provided matches, then
a request to CBS is initiated by Financial Inclusion Gateway.

► CBS performs system level validations and eligibility checks:

1. Scheme Code - SB 124, SB 127, SB 130, SB150

2. Individual - Customer status has to be individual
3. Age of the customer- Between 18 to 65 years
4. Age of the Account - Minimum 6 months old
5. No other BSBD/ non - BSBD account should exist in our Bank
6. No other loan or OD availed by the customer in our Bank
7. At least one credit in last 6 months
8. Valid mobile number is available
9. Customer must not have availed PMJDY OD in our Bank

If customer meets all above system level checks for eligibility criteria, the
application shall be successfully registered for PMJDY OD. In other words, the
request is accepted for further processing. Else, it is rejected.

► An acknowledgement with a unique identifier (CBS RRN) is generated and sent to

FIG. FIG displays the response (Registration request accepted or rejected) and BC
agent has to print the receipt and provide to the customer. It will contain
disclaimer clause indicating that registration does not mean sanction and status
of final sanction can be enquired later.

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Head Office- Financial Inclusion & CSR, 4th Floor, "Baroda Bhawan", R.C. Dutt Road, Alkapuri, Vadodara-390007. INDIA.
tl5T./Ph: 0265- 2316406 / 07, {-ire'/ E mail: fic.bcc@bankofbaroda.com , ~ / Web: www.bankofbaroda.co.in
Page 7 of 18
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Custom.er Ackno""niedgm,ent Receipt for Pl\·L.JDYOD Reaistra.tion

Date and Time :06/03/2021 11:19:.51

Account Number 004830
Name Of C~stomer ·:lvfonica Zala
SOLID :5?17
Request Status :Your PrvIIDY OD Registration request initiated successfully.
FIGRRN ~ , 2S
CBS Reference Number.
KO code . _
Agent Name :AA.KARSH RG

Di.sc:lai.mer-:

Request for sanction of OD under Plv[IDY is successfully submitted to Bank. Final

sanction of OD under/ PMJDY is subject. to satisfying eligibility criteria. successful
mapping with Nl?Cf and approval by Bank. This acknowledgment is not a proof of
sanction of any loan/OD. Final Sanction /Rejection status of the registered request can
be enquired after few days using FIG RRN/Orignal FIG RRN.

Signature Of Customer Signature Of A.gent

STEP - 2: Branch: To accept/reject the request in UIDADC menu

► Once the process of PMJDY OD registration request is successful, CBS shall push
the necessary information of the request to the respective link branch via UIDAC
menu for the purpose of verification of e-KYC details with CBS details and to accept
or reject the PMJDY OD request at Base Branch level. This data will not visible to
other branches. Till such time the entry is verified or rejected, it will be in
"Entered"/ "Pending for verification" status.
► Branch users (bother approver and verifier - maker and checker concept) have to
check the e-KYC details with CBS details using Finacle Menu 'UIDADC' and to
accept or reject the PMJDY OD request. The checker (verifier) must have BH
powers and the verifier's User ID will be stored as the sanctioning authority in
case the entry is verified in UIDADC and mapping with NPCI is successful later.

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► Branch officials either can accept when eKYC and CBS details of the customer
match or they can reject the request when the eKYC details do not match with
CBS details or for any other reason mentioned below .
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rejection reason be selected from the drop down in UIDADC menu:

□ More than one SB (under different CUSTID) exists

D eKYC details do not match with customer details in CBS
□ Family member availed PMJDY OD
D Other loans exist for the customer (under different CUSTID)
□ Any other (reason to be entered by the branch user)

► The rejection can be performed by the approver or by the verifier and if done by
approver (maker) there will be no need to verify the rejection. Hence, any
rejection must be justifiable in order to avoid any dispute or complaint from
customers.
► On clicking 'Accept' button, pop up is shown before enabling 'submit' button as
under. The verifier has to have BH powers and his User ID is stored as sanctioning
authority for PMJDY OD.

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IY \ 1:ln./Ph: 026S- 2316406 / 07, {'-'ire/ E mail: fic.bcc@bankofbaroda.com , ml/ Web: www.bankofbaroda.co.in
~ 1/ Page 9 of 18
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STEP-3: Seeding of Aadhaar and mapping of OD Flag with NPCI

► Post acceptance of the request in menu UIDADC, the authentication method is

stored as "Biometric - RD"; the authentication status of the record is set to "Y"; the
record status is set to "Sent to NPCI"; and a request for DBT mapping with OD flag
and previous bank IIN is sent to NPCI by CBS.
► NPCI checks the status of DBT mapping and OD mapping of Aadhaar number
maintained by them. If customers account is not mapped for DBT with any other
Bank, our Bank name is registered against the DBT and OD Flag and a successfully
mapped message is sent to CBS.
► If Previous Bank IIN provided by customer does not match, the request for
mapping is rejected by NPCI.
► If customer has availed OD with any other Bank, NPCI rejects the request for
mapping even if the Previous Bank IIN provided by customer matches.
► If customer has availed DBT with any other Bank without availing any OD and
Previous Bank IIN provided by customer matches, NPCI delinks the DBT mapping
from the other Bank and the request for mapping of DBT & OD of Bank of Baroda
is accepted and success response is provided by NPCI.

STEP- 4: Processing of PMJDY OD Request by CBS

► Upon receipt of successful mapping response for DBT & OD from NPCI, CBS
automatically calculates the eligible limit of the customer as per extant guidelines
and updates sanction details in CBS. Branches can view the sanction details for
the account holder in HACLHM. However, the drawing power is not released
automatically by CBS which has to be manually released by branch official only
after receipt of PMJDY OD Loan Document and acknowledgement for Letter of
Arrangement.

STEP - 5: Fate query by FIG

► FIG runs a periodical scheduler sending enquiry requests to CBS about the
sanction or rejection status for each PMJDY OD request registered successfully.
CBS also provides response to FIG with sanction or rejection details to FIG for
each request accepted for processing.
► An SMS is sent to the customer on sanction advising him / her to visit BC point
for further processing.

STEP - 6: Status enquiry by customer at BC point

► Customer visits the BC agent and enquires about the status of in-principle
sanction.
► BC agents logs in to the enquire option for PMJDY OD request, provides the unique
request number as per the acknowledgement receipt, obtains the finger print of
the customer for authentication by UIDAI.

"Q"m;,~ -~ '81-Jlq~H Qcf.JfR, °tjf'lITcffi, "~ 'lfcfl", JfR. "BtG'u. IB, ~. ~-390007 .'l-fl«f.
Head Office- Financial Inclusion & CSR, 4th Floor, "Baroda Bhawan", R.C. Dutt Road, Alkapuri, Vadodara-390007. INDIA.
t/11./Ph: 0265- 2316406 / 07, {-ire"/ Email: fic.bcc@bankofbaroda.com, ~/Web: www.bankofbaroda.co.in
Page 10 of 18
 •.., ilcJi 3ll!li i1!11t;,
~ Bank ofBaroda
a =
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► On successful fingerprint authentication, FIG validates the unique reference

number and in case the in-principle approval is rejected either by branch official
or by NPCI, displays appropriate rejection message and BC agent shall provide
rejection receipt to the customer. There will be a disclaimer as under:

PMJDY OD Sanction Enquiry Status

Acco1Jnt No xxxxx 100003303

Name of Customer

Branch of s..-nction LOORA

SOL IO of Sanction 0171

FIG RR.N 109815381982

PMJOY OD Sanction stat:u.s Succass~OO SANCTIONED SUCESSFULLY

Eligible PMJOY 00 Amo unt 3331.0

Date of Sanction 2021·04·08 00:00:00.0

Ritgistration Status SuccflSs
xo Code

Agent Harne

CBS Reference Number

Disclaimer :
Eligible OD-amount may be modified. or rounded off by sanctioning authority. The decision of sanctioning authority is
final. For availing PMJDY OD limit', please print & submit to link branch the loan document duly signed by customer
and witnessed by the BC agent. For any discrepancy in signature/alterations made in the loan document/suppression
of facts or for any other reason, branch official 'can withhold release of drawing power or withdraw the sanctioned
limit.

;Generate n Dowmen ,

► In case the PMJDY OD is sanctioned successfully, by clicking "Generate Loan

Document" button, system generated PMJDY OD Loan document "Loan
Application-cum-undertaking" with sanction details, as per format given in
Annexure - B, is printed by the BC agent which has to be submitted by the
customer to the Base Branch duly signed by customer as applicant and the BC
agent as a witness.
► The physical copy of system generated loan document "Loan Application-cum-
undertaking" shall be submitted by the customer to the link branch within a day.

STEP - 7: Submission of loan document and release of drawing power

► BC agent has to ensure that the PMJDY OD loan document "Loan Application-cum-
undertaking" is submitted by the customer to the link branch within a day. He shall
guide the customer in this regard and if required he shall accompany the customer
for submission of the loan document to the link branch and shall be a witness to
the signature of customer.

W _ ~~ ~ - ~ {P-llq~H ~ "JfR, tj)°Zff c@, "~ if<R", JfR. -{ft 01". "IB, ~. "iiooi-390007 .'l-fffif.
/V th
Head Office- Financial Inclusion & CSR, 4 Floor, "Baroda Bhawan", RC. Dutt Road, Alkapuri, Vadodara-390007._ INDIA.
· l{)l.JPh: 0265- 2316406 / 07, ~-ire I E mail: fic.bcc@bankofbaroda com , ~ / Web: www.bankofbaroda.co.in
~~~ Page 11 of18
 ~ l'iti 3ll!li tl!/)t;J
•
~ Bank of Baroda

► Link Branch officials on receipt of duly signed and witnessed PMJDY OD loan
document, verifies the loan documents with HACLHM sanction details & signature
of the customer and BC agent and on satisfaction, Branch officials shall login to FI
dashboard https://bob.ngm-fi.com/DashBoard/ and generate and print the "Letter
of Arrangement (Annexure - C).
► Procedure for generation of Letter of Arrangement is provided in Annexure - D.
► Duly signed Letter of Arrangement is handed over to the customer and the
acknowledgement of the customer is obtained.
► Branch releases the Drawing Power under HACLHM menu for the given account
holder. Release of drawing power shall also be through maker and checker and
the checker must have powers of Branch Head.
► Customer is allowed to utilise the limit through any channel.

"Q"tj'R ~ - ~ t!J.llq~H ~ ~JfR, ~~ (@, "$ IB, ~.

'l.fq,l", JfR. ~ ~- ~-390007 .irmr.
Head Office- Financial Inclusion & CSR, 4th Floor, "Baroda Bhawan", R.C. Dutt Road, Alkapuri, Vadodara-390007. INDIA.
tm./Ph: 0265- 2316406 / 07, °{-"JIB/Email: fic.bcc@bankofbaroda.com, ~/Web: www.bankofbaroda.co.in
Page 12 of 18
 :> lcfi 3ll!li tl!l)c,
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~ Bank of Baroda
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Annexure - B

Loan Appucatton-cum-undertaktng for Overdraft in BSBD Accounts under

PMJDY
Gtnmited at CSP Oudtt

NJD'.ltoitbeBC~ AA.KARSH RG KOID: 1700YJ22

Link Br.mcli N=e: LODRA Link SOLID: 0171

CBS IW'erenct Number: 610566 Date & time ofDocumemGenernioa: l5/IW'l02116: 17:40

FIG RR.>i: 109815381982

The Branch~!=,,"ff Date: 0S/0t/2021

&nk ofBaroch
LODRA (Name of the Btmch)
AT &PO LODRA, TAL !vlWSA GANNA GJ 382835

Dur Sir,
Sub: Running Onrdrafl limit in my BSBD S2,inet :\rrowit undtr P~fJDY S<htmt:

I hereby ;q,ply for a Nllllin; Ol-ri.ft limit of Rs.3331.00 (Rupees Thret~Torte Hundred Thirtv Coe ooly) in my BSBD 5.ni.n;s
&nk Accoont, opened 1lllder ~ODY, Ale Number 362S010000330'3 fer~ my emergency/family needs.

I. Name ofibe applicant Maiical.ab

2. Ale Number: 362SOl(XX)()3303
3.rudhur No: Xx.""OC000:9286

I UDdestmd thatI am elipl,lt f« a Nllllin; overdraft £icilily miderm'ised PMJDY OD schemein my BSBD ~ btld 'l\ith yoo up to a
limil oiRs. 10000/-(RllpetsTen Thousmdooly) fcrm!eling my~/ famiJyllffds subj.ct to the ttnm mi coaditiCllll oftbe ~
The tenm md conditiom ~ha\-e been rud O\W mi upbined!o me ml I ha\-e understood the same. I shill abide by all tbe Imm md
cocditiocs is llll)' ht in btt from time to time.

~ I ha\-e ooly ooe BSBD .ccouct wiih Bmk olBarochmd do DOt ha\"' l1rf otherBSBD / DCll-BSBD ac=t "-ith Bmk ofBaroda
~ I ha\uot availed aay 0\-eror.ft underPMJDY OD scheme« oilier Credit/ KCC/ GCC facility from Bw ofBaroda or l1rf other Bw
• I am tbe eil1'lliDg member ofmy housebold md no other memberof my household/ family ha\-e aniled loon underPMJDY OD scheme &om
&nk ofBarod.1 or all)' other Bw.

'\m;r ~ - ~ tll-ll~~H ~ .JfR, irr~ oo, "~ 'l-fcR", JfR. "tfi ~- IB, ~. ~-390007
Head Office- Financial Inclusion & CSR, 4th Floor, "Baroda Bhawan", R.C. Dutt Road, Alkapuri, Vadodara-390007. INDIA.
.'l-fffif.

\ tm./Ph: 0265- 2316406 / 07, {-mf IE mail: fic.bcc@bankofbaroda.com, ~/Web: www.bankofbaroda.co.in

<::>-' 'v Page 13 of 18
 -~ hi snm itdh:1
~ Bank of Baroda
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I am bolder of AadhJ.Jrnmnher: X:0..'XXXXX9286 and submit my .4.adlwr nmnher and hereby volunbrily gi\'e my COll':ell! to Bank of&ioda
lo seed my A3dmJr in my alx,,,e accoont for receipt of DBT benefib md to use my A.dhm details to ilU!benticate me with UIDAI. I undmtand
that if more thmoot benefit tr.msfa-is due to me, I 'l\illrecenl! all benefif transfers in this accoont. Ihm been i:ixm toll!ldermnd that
ini'onnatioo submitted by me to the Bank sh.all not be used fer my purpose other than mentia:ied abo\l!.

I cleclJre th.lt.
~ My A3db.aar is Ol1l'l!lltly 5ffded with CORPORATIONBAi'OC (mme ofpn-ious bank) and
request you to~ DBT ~ at NPCl fran my account with that bank to my abo\l! 300lUllfv.ilh Bank of Baroda.

I undmtmdthat sanction of the PMJDY O\l!fdraft ficility is subject to

• Successful aufue.nticnion of my A3db.aardetrils with UIDAI;

• Suctessful 1mpping ofmy Aadh.ur number "ith NPCl for receipt orDBT bentfifs in my aoom \\1th B..lllk ofBaroda md SUCttS.W1
up<btioc of PMJDY OD availed "'ilh Bank o£Baroda ill the NPa !ll.1J'Pff;
• PMJDY OD i\-ailed xmpping farBank ofBaroda m NPCl wll coDl:imie till cl05U11! of the I~
• Discretioc ofthe SJllC!ioningi1ibority and bis decision is fioJI 1tprding tligi'bility amoullt of OD sairtion limit and drawin: power;

I cleclJre du! the infonnation pl'O\ided by me in this appliotioo form is true and correct. If will be in mler for the bank to disqualify me from
recei,~ any cndit £-icililies &om the Bank in Cil$t it is prond that my clecLintioos l!llde abo\l! C01ltJin misrei:resemtioo of facts..

I bertby a;ree du! in the e\l!llf ofbruchof undertakin: or terms md cwlitions robjed to which O'il!l"draft facility has been sandiooed and /or
my of the imdeihlings or in.fonmtion, the Bank at its sole discretioo may discominue the OD ftcility.

I bertby authome the Bank to disclO'~ all or mypmiculars or details <1linfonmli on tehtiDg to my loan 3CCOUlis \\1th the Bank, to any other
linmciJl institutioo, Gos.-emment a- any ~(ies) u may be coosideredoecess;irya-desirable by the Bank.

I hereby ll!ldertake and agree to repay the ioterut, ~ in regular courst as and \\Ull debited to the acrouri and to repay the oubtmding
logelher with mterest, coot, dw-ge.s, ek., in the e\"e?l! of temiimtion or di=tinuatim of the £-icility.

{Signature or Thumb lmpr,.sion of me .Applironr)

Pbce: VADODARA Date: 15AW2021

(S'igtatur, ojthB BC 4gffli)

NJme of the BC a;em: MKARSH RG
P~: VAOODARA Date: l5/0m02 l

N' ~'cfR~ -~ ~tilaQH'Q<t~3fR, -m?.ITc@', "$ '4cf1"", 3fR. ~G1'1'. 'IB, ~. ~-390007 .'4T«f.
\ Head Office- Financial Inclusion & CSR. 4th Floor, "Baroda Bhawan", R.C. Dutt Road, Alkapuri, Vadodara-390007. INDIA.
\t qil.fPh: 026S- 2316406 / 07, {-ire/ E mail: fic.bcc@bankofbaroda com , ~/Web: www.bankofbaroda.co.in
Page 14 of 18
 ~ i=w 3ll!li ilifJi;I
•
~ Bank of Baroda
a '"'~- 11,[C.ii-

Terms and conditions of Pl\!IJDY Overdraft Scheme

• Saix:tion of PMJDY OD and relea54! of drawmg p<JI\W is subject to the cfu.cmion of the =ctiooing au!horily.
• Rmming 0\-emft limit shall be smctionedonly to mdi,iduals b.n-ing BSBD aCCOlll.ThMlich are opermds.tis:f:idorily for :at ~t six
mooths.
• OD sh.ill be p-anted to ooly ooe e~ iimidual of the household t family. (Dtd=tioo in this respect lllUSt be prcl\-id.td17)• the borrO'l\'tr).
• The borrowershouldnot hn't availed other c:redit f.icilities iDcluding KC.Cl GCC &om Bank ofl3Jrodi «other banks. (Decl=.ti.on in this
respectlllUSt be provided by the bommw).
• The •~ of the bcnol-.w should be between 18 to 65 yem.
• Millen/ mcn Ihm one member &-om the Sillllt bmily :at not elip'ble far PMIDY OD.
• The BSBD ~CCOUDt shall only be in the mmt of the bcnol-.-w and 110 c,.-erc!raft sll3ll be proo.-id.td in joint ac:counh.
• The BSBD acc=t should be adi,-e "ith l'tgular credits. Cndits ceeld be from DBT or DBTL or from any odiei- source. As per extmt
~ outlined in PMIDY ams:ion document- PMJDY a=unt "w!d be the ~e point far~ of all Direct &Mfit Tnmfm
(DBT) from the Centnl Gm-emment I State Gm'elllllll!Jli /l.oC'JI Bedies,
• BSBD ilCCOODf should h:r." been steded with Aadhaar number of the bcnol-.-er and duly autbentic31e<i "ith UJDAI.
• BSBD :iocooot should ba,-e been steded l\ith mobile number of the bomm'ef.
• The Aadb.urnumber r.eeded in the BSBD acrount should be mapped in NPCl v.ilh OD miled flag in favour of Bank of Baroda. If the Bank
is not able to map the Aadlwr with OD availed !lag "ithNPCl, the acrount bolder sll3ll not berome tligi'ble PMJDY OD. After sandioo of
OD, thel!llpping with NPCl s.houldreiminand not to be clwi,_,red "-iioouf the ccmectofBank of Baroda.
• BSBD n'.oulli bdder should not h- maintaining any other SB aC'.C:OUlS with Bank of 13Jrodi and UDderlal:ing/ &dmtioo should be pr0\ided
by the booower in this reg;ird.
• Regular credits should be fflfficieDt enoughto sen-ice the inierest ~ on OD atOOU11too )-wlybas.is.
• Bank sh.ill rmxn-e OD availed updatioa"~lh NPCl only after clo=e of the 0\-emft ficilify.
• Minimum OD lDlOlllll is Rs. 2,r:nJ/- andl!lJXlllll.llll is Rs. 10,000/-. Beymd Rs. 2,f1XJ/. foll°"-ing stipulation:; will be follov.-ed:
• 4 times of a\~monthly balanct
• or 5~~ of credit swmmlicm in BSBD account dm-ing the ~six mootlri
• or Rs. 10,f1XJ/- whicl:e..-er is l<M-er
• The limil shall be u.- a period of 36 lll0ll.fh.s subject to 3ll1l1W re\'iew.
• The rate of interestsh.ill be "I )'elf MO.lt + 31/." per annum.
• hiim;1 clurged in the accoont ~d be r.en-nd as and whendebited md the bommw mmt rep.iy the ~ togetherwith inlerest,
cost, clwge, m in lbe n·ent of tetmimtion or discontiimtion of the f;}O]i!y.
• There sh.ill be llO ~sing let.
• The pmpo-..e o£loan is lo mfft the exigmcies of the borrov.w•
• Loon documents are (i) Loan ilpplication-oim-~ and (u) An;uigemeiiletter, duly~by the account bolder.
• In the mDI of brue.h ofundeml:m: or terms and eooditi011S subject to wbich 0\-enlraft fxility h.u been s3Ildiooed and /or my of tbe
undeittkinpor inC=tion, the Bank at its sole discretion lll.1)' disconlime the OD facility.
• Bank sll3ll discl~ ill Of .ny paiticulars or detiils or information reh~ to the loan account of the ix.rower, lo any other financial
institution, Gm'el'l!IDellt or my ~mcy (ies) as may be CODSidered~or desirable by the Bank.
• RecoYery measureswll be initiated by the Bank api.nst the~for 11011-paymem / delay in Jllymenf ofmies to the Bank.
• Abo\-e tfflm and rondi6011S are subject to ch.m;e from lime to time per GOI and Bank's~

(Signatur1 I thumb imprllSSio11 of rhs applica111)

(SignatuTII ofBC ag.ni as witiws)

Pbct:VADODARA
Dale: l 51(W2021

~£!R-iiiriiiwi-~ {-JJ-11~~11 ~~JfR, °#riITcffi, "~ 'l-fcR", JfR. ~G11'. 'trn, ~. ~-390007 .'!IT«l.
Head Office- Financial Inclusion & CSR, 4th Floor, "Baroda Bhawan", R.C. Dutt Road, Alkapuri, Vadodara-390007. INDIA.
\ llTT./Ph: 0265- 2316406 / 07, ~-lIB /Email: fic.bcc@bankofbaroda.com, ~/Web: www.bankofbaroda.co.in
~ V Page 15 of 18
 ~ icfi 3ll!l1 ildJiiJ
•
~ Bank of Baroda
a =
Annexure - C

Pag~ I of l

.,ttt,;:r,..~~.
"il!>flirlttdilt.-a
D t:-=lill

Letter of Arrangement {PMJDY OD)

Letter Number: _ Date:

-----
Shri.'Smt. Monica Zala
Aca::c.mt Number: 36280100003303
Branch Name : LOORA

Dear SidMadam,

SAYINGS - CUM - QYEBPBAFJ UNDER PMJPX SCHEME

With reference to your application dated 08-04-2021 requesting for grant of OD

lirrit, we have pleasure in sanctioning- a -,fut-
of Rs.33~1 ( ~ Thr~
~~d_"J!iree Hu!_l!!red_~ny~ ony ) in your Savings account m.m1:>er
36280100003303 under CBS reference nurmer 610566 on 08-04-2021 on the
following terms and conditions : - ·

a. Interest : Interest will be charged monttlly at the rate of one year MCLR
plus 3% per an.rn.sn on the amount outstanding in the account
b. You sho4Jd coofine to Oll" Bank only for your banking business of every
description. The advance is also subject to the terms and ronditions stipulated
in the docun1e11ts for the 1oan granted and also other conditions, Jf arrt,
stipulated by the Bank from time to time.

Ptease ackooilNledge receipt of this letter by affiXing your signature/ thumb

Impression on the duplicate copy thereof.

Yours faithfully Original Received

(Signahne ot the Borrower}

Ptace : _

Date: _

c/11 n16.6Ll 14:&002/admin/Pm' •odLoA..do. iOJstomerDeuili 15-04-2021

~ 'O'W1 ~ - ~ -l-JJ-llaQH Q<l "JfR, ~'lfi cIB, " - 'lf<R", JfR. ~ G11. IB, ~. ~-390007 -~-
(Y Head Office- Financial Inclusion & CSR, 4 th Floor, "Baroda Bhawan", R.C. Dutt Road, Alkapuri, Vadodara-390007. INDIA.
'Cl'TT./Ph: 0265- 2316406 / 07, {-im / E mail: fic.bcc@bankofbaroda.com, i\.r / Web: www .bankofbaroda.co.in
c:;sv Page 16 of 18
 -~ t1tfi 3ll!li iii/JC:,
~ Bank of Baroda
a =-: lltFM1MM

Annexure - D

Process flow of generating "Letter of Arrangement" from Fl Dashboard

I. Branch User has to login to Admin Portal of Fl {https://bob.ngm-

fi.com/admin/SSOAdmin.jsp)* using bank domain credentials (SSO login) (User ID
must be in capital letter).
II. After successfully login into the above URL, come out of the same by clicking sign-
out button. This is a onetime exercise in order to access Fl Dash Board by the link
branches of BC agents. Once the branch users completes login to the Fl Admin
page, there is no need to visit the same again for generating Letter of Arrangement
or system generated PMJDY Ne opening form or other reports on performance of
BC agents attached to their branch.

WELCOME TO SYSTEM ADMINISTRATION

CHOOS E THE SERVICES fl\OH lli€ ME.>lU

Ill. After -24- hours of login to the admin portal, login to the Fl dashboard URL
(https://bob.ngm-fi.com/DashBoard/)* using your domain ID and password (SSO
Login) (User ID must be in capital letter).

I -- o, ec--...- I -°"""""r- 1ee-

C•:%' i, 1.,4..if I l

a,,---·---

?IJ"Q'm;, iITTiifuii - fmft"q .aJ.J,~~11 ~ •JfR. mirr cffi, ,, ~ ~,,. JITx. ~ 0T. IB. ~. ~-390001 _1-{J«f_
Head Office- Financial Inclusion & CSR, 4th Floor, "Baroda Bhawan", R.C. Dutt Road, Alkapuri, Vadodara-390007. INDIA.
1'.lTI./Ph: 0265- 2316406 / 07, ~-"JIB/ E mail: fie bcc@bankofbaroda.com. mf / Web: www .bankofbaroda.co.in
~ c0- Page17of18
 -~ icfi 3m,i ili1Ji;J
~ Bank of Baroda
a : lltFW-u-

IV. Only Base Branches of the customers can generate "Letter of Arrangement" for
those accounts for which (i) "PMJDY OD at BC points" requests have been
successfully sanctioned in CBS and (ii) the record of the same has been updated in
FIG (Financial Inclusion Gateway).

V. Error message will be displayed when customer's SOL does not match with Branch
Admin User' SOL :

VI. Error message will be displayed in case PMJDY OD has NOT been sanctioned or it
is under process or yet to be updated in FIG database for the given account:

* Note: Above mentioned URLs are accessible through internet as well as through Bank's
network via CBS PCs as well.

~~~-Fct$i '81-11~~1-1 ~~3fR. "ifi'l.fl<IB, ... 'l-fcf,", 3fR. iff~. "IB, ~. ~-390007 .'4ffil' .
Head Office- Financial Inclusion & CSR, 4th Floor, "Baroda Bhawan", R.C. Dutt Road, Alkapuri, Vadodara-390007. INDIA.
tm./Ph: 0265- 2316406 / 07, ~-ml'/ E mail: fic.bcc@bankofbaroda com,~/ Web: www.bankofbaroda.co.in
c::P-- Page 18 of 18