ADHERING TO

DISBURSEMENT
CONDITIONS
WHAT WHY WHEN HOW

The requirements that To have proper control Before disbursing the

the Branch proposes to over loan funds loan funds in full
full fill at the time of To ensure proper end Where partial
obtaining approval use disbursements are
To discipline the applicable prior to
borrower release each installment
Obtain &Monitor
borrower’s contribution
The requirements that To protect the Bank’s Obtaining securing
the approving authority interest documents
propose to full fill prior To safeguard the stake
to disbursement holders interest

RESCHEDULING &
RESTRUCTURING
Way of assisting the To arrest any difficulties At the very early stages Discuss with borrower
borrower to come out early and come up with of delinquency and identify his
with turbulences suitable and acceptable If any hardcore difficulties
remedial measures formation is observed Visit the business
premises
Inspect the financial
reports
Protecting the Bank Avoid provisioning Carry out timely
from possible losses Control the NPA rehabilitation measures
Check all the securities
are in tact

CENTRAL BANK
GUIDELINES
Directions given by the To differentiate Carrying out classifying
controlling body between Performing /de classifying &
Guide lines provided by and Non Performing provisioning as per
the Banking Act No 30of To avoid unrealized guide lines
1988 Sec 46(1) & 46 - A profit generation