JolQmut hdfgt shf{ (Personal Guarantee Loan)

!_ kl/ro (Introduction):
of] shf{ ljz]if ul/ shf{ cfj]bssf] cGo a}+s tyf ljQLo ;+:yfdf /x]sf] shf{ o; ltgfp ljsf; a}+sn]
e'QmfgL ul/lbO{ cfj]bssf] shf{ e'QmfgL ul/lbPsf] cGo a}+s tyf ljQLo ;+:yfdf /f]Ssf /x]sf] lwtf] tyf
kl/of]hgf km's'jf u/fO{ pQm lwtf] z'/If0f o; ltgfp ld;g 8]enkd]06 a}+ssf] gfddf /f]Ssf b[li6 aGws
/flv pNn]lvt kl/of]hgfaf6 o; ljsf; a}+saf6 shf{ lng] k|of]hgsf] nflu pQm lwtf] tyf kl/of]hgf
;DalGwt a}+saf6 km's'jf eO ;DalGwt dfnkf]t sfof{no jf cGo rncrn ;DklQ /f]Ssf /fVg] g]kfn
;/sf/sf] sfof{noaf6 o; ljsf; a}+ssf] gfddf /f]Ssf, gfd;f/L jf bli6aGws geP;Ddsf] nflu dfq of]
JolQmut wghdfgt shf{ k|bfg ug{ ;lsg]5 .

@_ shf{sf] k|sf/ (Types of Loan):

• cfjlws shf{ (Term Loan) (Pumari Ac Type 3P)

#_ shf{sf] k|of]hg (Purpose of the Loan):

• of] shf{ ljz]if ul/ cGo a}+s tyf ljQLo ;+:yfsf] shf{ o; ljsf; a}+sdf SWAP ubf{sf] cj:yfdf
k|of]u ul/g]5 .

$_ of]Uotf (Eligibility):
• g]kfnL gful/s x'g'kg]{ .
• cGo a}+s tyf ljQLo ;+:yfdf shf{ eO cGo a}+s tyf ljQLo ;+:yfsf] shf{ r'Qmf e'Qmfg u/L pQm
a}+s tyf ljQLo ;+:yfdf /x]sf] lwtf] z'/If0f o; ljsf; a}+ssf] gfddf ;DalGwt g]kfn ;/sf/sf]
clVtof/k|fKt sfof{noaf6 /f]Ssf, gfd;f/L tyf b[li6aGws u/fO shf{ cfj]bssf] shf{ cfj]bg
kmf/ddf pNn]v ePsf] kmd{ Joj;foaf6 shf{ lng] ul/ shf{ dfu ePsf] u|fxs dfq o; shf{sf] nflu
of]Uo x'g]5 .

%_ cfo;|f]t (Eligible Source of income):

• shf{ :jfk ug]{ kl/of]hgf, kmd{ jf Jofj;fosf] cfo>f]tnfO{ cfwf/ lnOg]5 .

^_ cfwf/e't dfkb08 (Basic Criteria):

• lgj]bssf] Go"gtd pd]/ !* aif{ ug'{kg]{5 .
• k|:tfljt lwtf] ;'/If0f tyf kl/of]hgf, kmd{ jf Jofj;fo ltgfp ljsf; a}+s ln=sf] sfo{If]q leqsf] x'g'
kg]{5 .
• cGo a}+s tyf ljQLo ;+:yfdf ePsf] shf{ e'QmfgL ug]{ k|of]hgsf] nflu x'g' kg]{5 .
• cGo a}+s tyf ljQLo ;+:yfdf ePsf] shf{ e'QmfgL u/] kZrft pNn]lvt lwtf] z'/If0f o; ljsf;
a}+ssf] gfddf /f]Ssf, gfd;f/L tyf b[li6aGws kf; ul/ shf{ cfj]bssf] shf{ cfj]bg kmf/ddf pNn]v
ePsf kmd{ Jofj;fo jf kl/of]hgfsf] gfddf o; ljsf; a}+saf6 shf{ lng] ul/ cfZos sfuhft k]z
ul/ sfg'gL sfuhftx?df ;lx5fk nufO shf{ kmfOn tof/ ul/ s]lGb|o sfof{noaf6 shf{ :jLs[t
ePsf] kq k|fKt ePsf] x'g' kg]{5 .
&_ cfjZos sfuhftx? (Required Documents):

cfj]bs C0fL, wg hdfgL / hUufwgLsf]M

• k'0f{ ?kdf el/Psf] shf{ cfj]bg kmf/d -cfj]bg kmf/d btf{ ug'{ kg]{5 _
• wghdfgL tyf hUuf wgLsf] k"0f{ ?kdf el/Psf] cfj]bg kmf/d
• C0fL, wghdfgL / hUuf wgLsf] xfn;fn} lvlrPsf] kf;kf]6{ ;fO{hsf] kmf]6f]
• C0fL, wghdfgL / hUuf wgLsf] cfjf; :yfgsf] dfglrq
• C0fL, wghdfgL / hUuf wgLsf] gful/stfsf] k|ltlnkL
• cGo a}+s tyf ljQLo ;+:yfdf shf{ ePsf] k|df0f .

lwtf] z'/If0f -wghdfgL_ sf]M

• JolQmut wghdfgt -lwtf] lbg] JolQm ;d]tsf]_ . wghdfgL lbg] JolQmsf] ;DklQ ljj/0f lng' kg]{5 .

k'gZrM
!= ;Dk"0f{ k|ltlnkL sfuhftdf æ;Ssn jdf]lhd gSsn 7Ls 5Æ egL C0fLnfO{ x:tfIf/
u/fpg' kg]{5 . eg] kmf]6f]skL u/LPsf] sfuh kqdf a}+ssf] sd{rf/Ln] ;Ssn ;+u le8fO x]/L
"Orginal Document Seen and Verified" sf] 5fk nufO zfvf sfof{nodf
shf{ zfvfsf] sd{rf/L / zfvf k|aGwsn] / s]lGb|o sfof{nodf shf{ zfvfsf] ljefluo k|d'v
/ ;xfos sd{rf/Ln] ;+o'Qm x:tfIf/ ug'{ kg]{5 .

*_ wg hdfgL (Gurantor): wg hdfgt lgDgfg';f/ lng ;lsg]5M

• Psf3/ kl/jf/sf] clgjfo{ wghdfgL jf kf/Ljf/Ls d~h'/Lgfdf lnvt lng' kg]{5 .
• lwtf] z'/If0f lbg] JolQmsf] clgjfo{ wghdfgt lng' kg]{5 .
• k/Ljf/ eGbf aflx/sf] k|ltli7t JolQm . -cfjZos b]lvPdf_
• cfo>f]t lbg] JolQm jf Psf3/ kl/jf/sf] JolQm a}b]lzs /f]huf/Ldf ePdf Od]n jf km\ofS;af6
d~h'/Lgfdf lnvt .

(_ zfv ;'rgf - Credit Information) : shf{ :jLs[tL k|lqmof cufl8 a9fpg' eGbf klxn] shf{ ;'rgf
s]Gb|af6 lgDgfg';f/sf] JolQm jf kmd{sf] shf{ zfv ;'rgf lng' kg]{5 M
• shf{ lgj]bssf]
• wg hdfgL lbg] JolQmsf]
• cfo >f]t lbg] JolQmsf] -cfjZos ePdf_
• olb CIB Report df cGo a}+s tyf ljQLo ;+:yfaf6 efvf gf3]sf] shf{ b]lvPdf ;DalGwt shf{
lnPsf] a}+saf6 ;d]t shf{ ;"rgf lng' kg]{5 .
• CIB Report df b]lvPsf] shf{ ljj/0fsf] /sd / C0fLn] :jM3f]if0ff u/]sf] lgj]bgdf pNn]v ePsf]
shf{ /sd le8fO x]g'{ kg]{5 ;fy} CIB Report df b]lvPsf] shf{ /sd / C0fLn] :jM3f]if0ffdf
pNn]v u/]sf] shf{ /sd Pp6} x'g'kg]{5 .

!)_ shf{ :jLs[tL k|lqmof tyf clVtof/ (Credit Approval Process and Discretion):
 • shf{ :jLs[tLsf] nflu tf]lsPsf] 9f+rfdf Credit Apprisal (CAP) tof/ ul/ zfvf sfof{nodf zfvf
:t/Lo shf{ l;kmf/L; ;ldlt / s]lGb|o sfof{nodf shf{ zfvf ljefluo k|d'v / shf{ zfvfdf sfof{/t
sd{rf/Ln] x:tfIf/ u/L shf{ ;ldltdf k]z ug]{5 . ;fydf Loan Documentation Check List
;d]t k7fpg' kg]{5 .
• shf{ ;ldltn] cfkm\gf] l;df leq /x]sf] shf{ :jLs[t ug]{5 / ;f] eGbf dflysf] ;+rfns ;ldltn]
:jLs[t ug]{5 .
• shf{ l;kmf/L; / shf{ :jLs[tsf] dfOGo'6 ul/ /fVg' kg]{5 .
• shf{ :jLs[t eP kZrft ;f]sf] hfgsf/L kq s]lGb|o sfof{noaf6 k7fOg]5 .

!!_ shf{ /sd (Loan Amount):

• C0fL cfj]bsn] dfu u/] jdf]lhd csf]{ a}+s tyf ljQLo ;+:yfdf /x]sf] shf{ SWAP ug{sf] nflu
cfjZos kg]{ /sd .

!@_ d'No lgwf{/0f -Jofhb/, ;]jf z'Ns, xh{gf tyf cGo z'Nsx?_ (Pricing):
• Jofhb/ ;do ;dodf a}+sn] tf]s] adf]lhd x'g]5 .
• ;]jf z'Ns nfUg] 5}g .
• xh{gfsf] b/ a}+ssf] lgod adf]lhd x'g]5 .

!#_ ;]jf k|bfg ;dofjwL (Service Delivery):

• ;Dk'0f{ cfjZos sfuhkq ;lxtsf] shf{ dfu kmf/d k|fKt eP kZrft # sfo{lbg .

!$_ sfg'gL sfuhkqx? (Legal Documents):

• C0fLn] :jLsf/ u/]sf] k|:tfj kq
• shf{ td;'s
• k|f]ldz/L gf]6
• wghdfgL lnvt
• kf/Ljf/Ls d~h'/Lgfdf lnvt
• shf{ /sd 6«fG;km/sf] lgj]bg
• cfGt/Ls kq
• C0fLaf6 x:tfIf/ ePsf] shf{ e'QmfgL ug]{ ls:tf tflnsf
• C0fLsf] shf{ SWAP ug{ shf{ cfjZos k/]sf] Joxf]/f ;lxtsf] lnvt jf lgj]bg .

!%_ shf{ nufgL k|ltzt (Margin Of Loan Security):

• C0fL cfj]bsn] cGo a}+s tyf ljQLo ;+:yfaf6 o; ljsf; a}+sdf shf{ SWAP ul/ Nofpgsf] nflu
cfjZos kg]{ /sd;Dd .

!^_ 5'6 (Credit Waiver):

• shf{ nufgL ;]jf z'Ns z'Go k|ltzt x'g] .
!&_ shf{sf] ;dofjwL (Tenure of Loan):
• shf{sf] clwstd\ & lbg;Ddsf] x'g]5 .

!*_ ;'/If0f (Security):

• JolQmut wghdfgt÷kf/LjfLs d~h'/Lgfdf
• k|f]ldz/L gf]6
• shf{ td;'s

!(_ shf{ e'QmfgL k|lqmof (Loan Repayment Process):

• cGo a}+ssf] shf{ r'Qmf e'QmfgL ul/ tf]lsPsf] lwtf] o; ltgfp ld;g 8]enkd]06 a}+s lnld6]8sf]
gfddf /f]Ssf, gfd;f/L tyf b[li6aGws eO, ;DalGwt kl/of]hgf, kmd{ tyf Jofj;fosf] ;Dk"0f{ sfg"gL
sfuhft tof/ ul/ shf{ k|jfx eP kZrft tTsfn jf shf{ C0fLn] ;lx5fk u/]sf] shf{ td;'sdf
tf]lsPsf] cjlw leq .

@)_ shf{ lgsf;f (Loan Disbursement):

• shf{ :jLs[tL ePkl5 ;Dk'0f{ cfjZos sfg'gL sfuhftx?df C0fL, JolQmut wghdfgL lbg] JolQm
tyf cGo ;DalGwt JolQmx?sf] x:tfIf/ eP kZrft a}+ssf] ;DalGwt clwsf/ k|fKt clwsf/Ln]
k|dfl0ft u/L ;s]kl5 cGo a}+ssf] /sd e'QmfgL ug]{ k|of]hgsf] nflu rNtL vftfdf shf{ /sd lgsf;f
lbOg]5 . ;f] rNtL vftfsf] o; ljsf; a}+sn] r]s lnO{ ;DalGwt shf{ /x]sf] a}+sdf shf{ SWAP
k|of]hgsf] nflu a}+sn] Manager r]s jf cGo a}+ssf] r]s Issue ug]{5 .

@!_ shf{ c;'nL k|lqmof (Loan Recovery Process):

• h'g k|of]hgsf] nflu of] shf{ lbOPsf] xf] ;f]lx k|of]hgsf] shf{ k|jfx x'gf;fy tTsfn jf shf{
td;'sdf tf]lsPsf] cjlw leq shf{ c;'nL ug'{ kg]{5 .
• shf{ c;"nLsf] nflu sfg'gL k|lqmofdf o; a}+ssf] æshf{ nufgL lgb]{lzsf @)&^Æ sf] kl/R5]b !@ df
Joj:yf eP adf]lhd, ;do ;dodf o; a}+sn]] tf]s] jdf]lhd / k|rlnt P]g, lgod, sfg"g jdf]lhd
x'g]5 .

@@_ shf{ k|ltj]bg ;DaGwdf (Credit Reporting to Corporate Office):

• b}lgs÷ dfl;s÷q}dfl;s jf s]Gb|Lo sfof{non] dfu u/]sf] avt

@#_ shf{ gf]S;fgL Joj:yf (Loan Loss Provision):

• g]kfn /fi6« a}+sn] ;do ;dodf tf]s]sf] lgb]{zg jdf]lhd .