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THIS AGREEMENT is made on this day of 20 at................................................................................... by and between Mls .(name of SHG) an unregistered association of persons I individuals having its office at represented by its authorizedrepresentatives Shri I Ms .(Designation) and Shri Mls .(Designation) who are fully authorized by all the members of the SHG (a copy of such authorization annexed hereto andforms part ofthis agreement), hereinafter referred to as "the borrowers", which expression shall, unless repugnantto thesubject or context thereof, mean and include members of the unregistered association for the time being, theirsuccessors, legal heirs, administrators and assigns of the one part and Madhya Blhar Gramln Bank, a body corporateconstituted under the Banking Companies (Acquisition and Transfer of Undertakings) Act 5 of 1970, having its HeadOffice at Meena Plaza, South of Patna Museum, Patna and one of its branches at .hereinafter called "the Bank" which expression shall, unless repugnant to the subject or context thereof, mean andinclude its successors and assigns of the second part.

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.......................................(m )~~m.n~~~m"SI'\R~~~~ 3N-l ~ q;l ~ "SI'\R~IWhereas the borrowers are an unregistered association of persons who have inter-se agreed to help each other asmembers of Self-help Group with a view to developing and ameliorating their socio-economic conditions.Whereas having formed the association as Self-Help Group, the borrowers as per application dated .made by the said Shri/Ms : : .

(name) (designation)and Shri/Ms .

(name) (designation)

duly authorized to borrow in terms of its resolution dated (copy annexed)"requested the Bank to grant"Demand loan /Term Loan / extend Cash Credit! OD facility of* Rs .(Rupees only) upto the limit ofRs (Rupees only) for on lending to its members.whereas the Bank to grant the "loan/extend facility to the borrowers on certain terms and conditions.Note: *Delete whichever is not relevant.

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And Whereas the Bank and the borrowers are desirous of reducing the agreed terms into writing.

am:3{Gf~<fim r..••.•~r&d~~qmrrt :Now, therefore, this agreement witnesseth as follows:

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1. The Bank has agreed to grant and the borrowers have agreed to borrow by way of **Demand loanl*** Term Loan / *Cash Credit / OD upto the limit of Rs (Rupees only) hereinafter referred to as'Credit Facility') and the Bank has opened (Specify the kind of loan account)Alc No : of date........ in the name of the borrowers in its books of accounts.

2: *Applicable in case of OD/CC

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~ / 1'JGIli / ~ &m 'B11'l- 'B11'llR f.:rmfuJ c::U lR ~ q;-r 'ij1TOR <.fitrn 1"In case the facility availed in cash credit / OD, the borrowers will operatethe cash credit / OD account satisfactorily and within the limit and theborrowers shall pay the outstanding liability in the account inclusive ofinterest and other charges debited from time to time after demand withoutdemur.

10

**Applicable in case of **In ase Loan availed is Demand Loan, the borrowers undertake to repayDemand Loan : the loan on demand with interest and other charges.*** Applicable in Ca Be ofTerm ***In case the credit facility availed of by the borrowers is Term Loan, theLoan facility: same shall be repayable in instalments in the manner specified herein

below in the repayment schedule (to be specified). Besides,the borrowers will pay interest at the rates that may be prescribed for suchlending by RBl/NABARD/the Bank from time to time.

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Borrowers agree that the Credit limit I Loan applied for and sanctioned by the bank will be released to them, onlyafter reqular transaction in the a/c with bank and successful conduct of affairs of the group for months tothe satisfection of the bank.

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It is clearly understood by and between the parties hereto that in the event of the borrowers' failure to utilize theproceeds of the credit facility for the purpose for which the same has been made available by the Bank to theborrowers, the borrowers shall repay immediately on demand without demur together with interest withoutprejudice to the Bank's right to initiate other legal action.

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The borrowers shall pay interest on the loans to be calculated on the daily balances in the loan account and bedebited thereto monthly/quarterly/half-yearly rests or as the Bank may decide from the time to time.

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The borrowers shall utilize the proceeds of the credit facility for the purpose of lending to its members to improve thesocio-economic cnditions of their members and their families.

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The borrowers agree that the Bank's officials, agents, attorneys or advocates or any other person duly authorized bythe Bank shall always, durng the period of the said loan and interest thereon remaining outstanding, shall have theright to inspect the books of accounts of their business.

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Borrowers agree that they will not extend any credit to any member of their group in case that member is defaulter toMBGB or any other bank till the a/c where said member defaulted is closed I irregularised.

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(i) The borrowers shall repay the credit facility availed of together with interest payable as per the interest ratesthat may be fixed by RBl/NABARD/the Bank from time to time for such lending. The present rate is.................... per cent per annum with monthly I quarterly I half yearly rests.

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(ii) That the interest at the rate of BPLR (minus) / Base Rate (plus) per cent per annum (plus .per centterm premia) i.e per cent per annum at present with monthly / quarterly / half yearly rests shallbe calculated on the daily balance due to the Bank on the said account and shall be charged on the accounton the last working day of the month so long as the debt herein incurred is not paid by the borrowers in itsentirety and, will form part of principal and carry interest at the above mentioned rate.

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mml(a) Interest payable by the borrowers and the periodicity of the rests shall be subject to changes / variations in

interet rates and the periodicity of rests made by the Bank from time to time.C~) ~3lR CfiT3l~ t ~ CfiT~-~ 1R f.:fmfuf ~3lR ~ -q ~~3lR %

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(b) BPLR means Benchmark Prime Lending Rate of the Bank as prescribed from time to time. At present, BPLRis per cent per annum and Base Rate presently.

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(c) In the event of their not being any BPLR Rate / Base Rate, the borrowers agree to pay interest at the rate asprescribed by the Bank from time to time.

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(d) The borrowers agree to pay and bear interest tx, if any, at the rate as in force from time to time. The Bank Shallhave the discretion to decide the manner of computing and charging of the same in the account.

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f.:fmfuf Cfll ~ qrffi ~ 1R ~ CfiT'lJlTOR ~I ~ ~ '\{ ~/ful:mIT~ tl

The borrowers shall be liable to pay overdue interest at the rate of or at the rate as may be fixed by theBank from time to time in the event of failure to repay the facility availed in the stipulated manner and / or failure topay interest as stipulated.

11. ~,~'ItIJT-warmet aTIPfu d'd(c:;if4cql', ~et~~et)lfcni~CRf~~?.J<.Ii"~"B~tl

The borrowers agree that their liability to the Bank for their dues under the credit facility availed is joint and several.

12. ~ f<fim tft ~ ~ ~ ~ f.r;n ~ ~ ~ 1R"{)cf; ~ tu-m ~ t am ~ ~ <fiT ~)I<R ~"B afu: f.r;n

<.fiT{UT~, ~ ~?:f(l ~ CfiT~ ~"B ~ tft";f fcf;<.rr1lGITm, ~ W1r 1lGITtl

The Bank will always be at liberty to stop making fresh advances at any time without prior notice and service of sucha notice is hereby expressly waived, and without assigning any reason even though the said limit has not been fullyavailedof.

13. ~ ~ ri awl ~ t afu: ~ <fiT "5RR'R et ~ afu: arq;:ft ~<I(I~I<lI' et 'lJlTOR tu (~ ~~ afu: ~ 1R ~ afu:)I'qR CfiT~ ~ t) I ~ 3l?:fqT ~ "B f<fim ~ Cfll 31R "B ~ et ~ -q alA qffi ~ f<muT Cfll ~tft 'ffi ~

3l?:fqT ~ <TT~ "B f<fim ~ Cfll 31R "B ~ ~ 3l?:fqT 3RT et m?:f ~ ~ "B 'qRCf -q 3l?:fqT ~ afu: ~ GRT ~

~ et ~ "t&t TJt fI 1141"'<Id<11~m\UTT et f.r;n ~"B ~ t-C!>W ljS\T, ~, "'''lI(I~I<li, ~ Cfll ~ ~,

CfiR-~ (~ ~) ~-~, ~, ~, ""lffi afu: qlfiJl~i.fi ~, ~ ~ ~ "ffiR f.R;TI, f.rU~ ~"00 mi.fiTU f.wr afu: ~ et ~ ap;r f.wr, wr~ aTI'1WT -q ~ afu: ap;r ~ <TT""lffi CfiT6Cfl afu: C!>Wap;r ~3l?:fqT 6'R1id(On<l fcfffig 3l?:fqT~, 6Cfl et fcfffig afu: $ am 3l'ffi "wqfu q;'t ~ ~ "CITffi"Bf'IR ~-iiil1

~ 3l?:fqT ~a:rr ~ ~ cruR et qlfiJl~i.fi ~ afu: ~ ~ "B ~ aTI~ 3l?:fqT ~ et aTIPfu~ Cfll ~~ t afu: ~ et ~ -q ~ 3l?:fqT f<fim i.fil(ql~~11, l!Jllf.g<l~11, q:;'q-;ft 3l?:fqT ~ et 6Cfl CfiTm8.'<l"~

qffi ap;r~1R~ ~tl

That the borrowers do further agree and hereby give to the Bank, during the currency and for the payment of itsdues, a general lien and right of set off and charge on all movable property of every description coming into thepossession of the Bank on account of the borrowers or anyone of them or for the time being held by the Bank onbehalf of the borrowers or anyone of them whether alone or jointly with others in India or elsewhere lnlcuding,

12

without prejudice to this generality, any moneys, bullion, deposit, deposit receipts for moneys, promissory notes,bills of exchange, hundies, stocks, goods and merchandise, bills of lading including railway receipts, Govt. bills withinspection notes and other bill s in course of collection, articles in safe custody and other documents or title to goodsand any other negotiable Of transferable instruments or securities instruments and documents f title and rnercantledocuments of every description including hire purchase agreements or contracts other than those affectingimmovable property and requirlnq registration under the Acts or laws relating to registration and other documentsevidencing the title ofthe borrowers as creditors or members of any corporation, association, company or syndicatein India or elsewhere.

14. ~ fcf; ri ~ Wlf(l t' fq;' ~ 31~ ~ ~ ~ et ~ 31IW'a.mfcfim ~ q;l~ ~ ~ W:rr1"J?n11RT~ ~ ~

~ ~ fcfim ~ et ~ et 1ffi1~ m ~ 1R31~ ~ ~ ~"Gm ~ ~ m 1Rm 3l'fu11~ ~ 1Ram ~ <nl:~ ~~ ~ !;RI"3CRf~ 31~ ~R 1R ~ OR W:rr~I am ri ~ am Wlf(l i fcf; Cfif~ ~ et fcfim an~ !;RI

31~ ~ an~!;RI ri q;l ~ ~~ 31~ ~ ~ ~ ~)f~ ~ ~ ~ ~ ~ 31~~ fuffi ~~1R~!;RI ~W:rr~1That the borrowers hereby .agree that any notice in writing requiring to be served hereunder shall be sufficientlyserved if addressed to anyone of them at their address registered with the Bank or, in the event of no such addressbeing registered, at their or anyone of their last known place of residence or business and left at such address or ifforwarded to anyone of them by post at the address or place as aforesaid. And the borrowers do hereby furtheragree that any demand here under may effectually be made by parole notice to anyone ot them by an officer of thesaid Bank or by notice in writing under the hand of such officer either served personally on the borrowers or anyoneof them or left for or sent by post to anyone of them at their usual or last known place of business.

IS. ~ et ~ ~ q;l Wl~ 00 (f~ ~ ~ ~ ~ et ~ &qJ\lf,f~H4iI"f;20,~, )f'>11"\, ffi1Kf(f~ ~ cx:rl(f~~!;RI ~ cx:rlet m?l ~ q~ ~ ri ~ Wlf(l i am ~ Cll{(lTi fcf; :

With a view to securing the obligations as contained hereinabove and to secure the due repayment of the said loanamount together with interest, discount, commission, charges costs and expenses payable and incurred by theBank in relation thereto, the b orrowers hereby agree and confirm that:(i) ~"Bftm~~~'tl:rfu<lf, t:iftR'l'fc!;"~/f~('<f)(=tII:f, ~~ am~q;l~~ fq'?ltldlll qfiJfom'iT1

all their assets including crop whatsoever, herdlflocklfish/silkworms, cocoons, etc. and the equipments moreparticularly described I;n the Schedule hereunder written;

(ii) mcffil1Aam~,t~~~,~~~~<:fI~~~am/<:fI~~~,~(f~

~ am<:fl~$T ~~ am~ ~ ~ WT<rcfim11R am 3Pl ~~ ~ ~~ ~ l{fIlffi m, am

the whole of their pre sent and future stocks, whether raw, in process of manufacture or in finished formand/or movable mac:hinery, equipments, tools, stores and spares and/or consumable articles and

. accessories and all ott ier moveable assets relating to business or industry as the case may be; and(Iii) ~ cffil1A am ~ ~~, ~ uftr1i,~,~, f.fffi, ~an, ~an, iIfu~, f.rcffi anl:f<'fiRl

(~ G!T<\~ -.m ~ Cfim' 1"J?ni) ,their present and fufure book debts, outstanding moneys, receivables, claims, bills, contracts,engagements, securities, investments, .rights (which shall hereinafter be referred to as book debts),

"3'i1R~~ (i) (f~ (ii;, ~qfiJfom11R (l{R1) (f~ (iii) ~~-.m~q;l~(<iT) et~~q;m~ am

)f?llf ~ et ~ ~ ~!;RI ~lQCfl \&t ~I

and both the said goods as mentioned at (i) and (ii) above and book debts as mentioned at (iii) above shall bereferred to as "security(ies)", shall stand and be hereby hypothecated to the Bank by way of first charge.ri"$iurr Cll{(lTi fcf; ~fClJ~~ ~ ~ ~ ~ i,• ~ ~ilThe borrowers declare that the assets/goods as provided hereunder are in the joint ownership.

~ "ffill ~ m CfiTG~ I .

• Delete whichliver is not relevant16. ri Wlf(l i am ~ Cll{(lTi fcf; ~ fcfim ~ 1R~ cx:rl~ Wffif ~ ~ q Wffif ~ et ~ ~ ~ m ~

~~1Rcx:rlet~~~1

The borrowers agree and confirm that the Bank, without being bound to do or being liable for any loss. on accountthereof and without prejuidice to its rights and remedies of suit or otherwise shall be entitled to:

13

(Cfl) ~ foRT ~ q;. afu: m~ (f2lT01.1I1T, mIf~(<:IT) q;. ~"'n: f.1ft&TUT,~,;;ftl:n, f.l11GR afu: <iT~.m~

Cfil:~i'

without notice to and at their risk and expenses, enter any place(s) wherever the security may be, and

inspect, value, insure, superintend disposal and/or take possession thereof;((91) foRT ~ &Tfu, m &TU:pmR"# ~ ~ <iT~ d'd(i\IF<l(CI q;1 "l{(T ";f q;B, ~ ~ mIf~ ~ ~ "# ~ 1Wfm

t,.m~ Cfil:~ t afu: CRFl afu: <iT~ ~ <iT~"3ct &TUoh:r'Wfi(fl t <iT3F<f2lTmIf~ <.fiTf.l11GR (f2lT

~~<tt~Cfil:~t, <iT

without prejudice to the foregoing, on default by them in payment of any money hereby secured or on the

non-performance of any obligation on their part or on the occurrence of any circumstance which if! the

opinion of the Bank endangering the security, take possession of, recover and/or sell by public auction or

private contract or otherwise deal with the security and appropriate the proceeds to outstanding loans; or(1T) ~ ~ ~ ~ (f2lT~ afu: ~ <tt., ~ ~~, q;.~, ~ ~ fifl wft <iT~ mIf~ ~ CRFl

fifl<n 'ill ~ t,~ ~I

apply towards the outstanding loans any moneys in its hand belonging to them and to recpy.l!tr the balance, if

any, of the loans notwithstanding that all or any of the security may not have been realised;(~) mIf~~~,.m~,~,~~~~~:ihrc!i1(~m~1

deal in any manner with any of their rights, debts or claims in relation to the, security.17. ri ~ t~ Cfil:OTt fifl ~ ~~~, ~ ~ afu: ~~ ~ ~ afu: oWn·~ (f2lT~~ ~ mIf~ q;. (f6(f

WT afu: ~ q;. R~~lIjftl( ~ ~ <tt ~ WT afu: ~ q;."Ila.1"# 00 mlfP q;. 3liffim ~~ mIf~(<iT) ljCRf (f2lT~ ~

"SI~m ~ ljCRf00 ~I

The borrowers agree and confirm that all the said goods, book debts, and all the sale proceeds and insurance.

proceeds thereof and all documents under this security shall always be distinguishable and he4d 3S the Bank's

exclusive property, specifically appropriated to this security to be dealt with only under the directions of the Bank,

and that all the security(ies) are free and shall be kept free from any charge or encumbrance except those in favour

oftheBank.18. ri ~ i' afu: ~ Cfil:OTt fifl ~ q;. "Ila.1"# fcif'IR w:rman tg ~ mIf~ afu: a:I~ afu: ~ ~ mIf~ q;. (C\q "#

~ WT afrv<rr ~ afrv<rr CfiR ~ ~ ~ q;. 3lcrrfu"d1C!>1 Wffif~, 'Wll!l«1ctl afu: d'd(i\IF<l(CIY q;. ~ mIf~ q;.

(C\q "# (§[ffi Tf1l (§[J()"# 31<\Ttg ~ WT afu: ~ (§[J()(ql') q;1 ~ "SICfiT(<tt mIf~ q;. ~ ~ q;B tg fcR!R m fifl<n

~ ~ ~ afu: <iT~(-m) q;1 ~ ~ Cf1T(UT(§[('q m ~ WiT ~ 1'i:n ~ (§[J()q;. Cf1T(UT<iT~ ~ W1'l <iT

W1'l-W1'l "'n: ~ ~ <iT~ 3ll'fuCfl :pmR fc!";<l~ <iT~ "SICfiT(q;. (§[J()(ql') "# ~ "SICfiT(q;. ~ ~ - ~ afu: ifcn

q;. ~~ 3lfuq)' <tt ~ fc!";<l~ afu: "Wrn mIf~ ~ q;B, (f?llfq ~ ~ (§[J()(ql') <iT~ ~ W1'l W "# ~ ~ 19li!

q;1 ~ Cfil:m Tf<IT~, dQijCR1ljftl( ~ ~ 'flU( q;. 3lcrrfu ~ ~ ~I

The borrowers agree and confirm that the security created and indemnities and undertakings given hereby in_favour of the Bank-for various facilities shall be operative as continuing security and/or indemnities and/or

undertakings for all their moneys, indebtedness and liabilities under the said loan and will be operative as security

and/or indemnities and/or undertakings for the ultimate balance or aggregate balances with interest thereon and

costs, if any, to become payable upon the account(s) to be opened and the said account(s) is/are

not to be considered to be closed for the purpose of such security and/or indemnities and/or undertaking(s) is/ are

not to be considered exhausted merely by reason of the said account(s) either or any of them being brought to credit

at any time or from time to time or any partial payments made thereto or any fluctuations of such account(s) and if

the whole of the Bank's advances shall be repaid and the whole ofthe security withdrawn, the account(s) of either or

any of them may nevertheless, at any time before such account(s) has or have been closed, be continued under the

said agreement upon the security as aforesaid being again furnished.

14

19. ri~oo~, ~~et~~ 3P1~<IT~~VcfiRetfcrQR~~VcfiRq;T~ ~"ID<IT

• ~ ~ ~ ~ et ~ ~ fcfim fcrQR et~ ~. q;-81R ~ >RA Cflt(!T tl

The borrowers give their consent for the loans recovered from the assets hypothecated hereunder and/or otherassets as a public demand or as land revenue in terms of any legislation relating to recoveries thereof, where suchconsent is necessary under such legislation.

20. ri ~ q;T~ et ~ ~ q;Tfufuffl awfu ~ q;-8 et 3lffiCfT,~ ~ ~ ~ ~ Ocfl~ q;T ~ \Ifu~ tu~ t, ~ et -qm 00 m~ et ~ ~ oolWf~mR q;T 'T<ft~3TI CfiT~ ~ ~~, ~ m ~I ~

m~, <m~GRT aro-~t, m~~~et-qmilro:fiWT~1

The borrowers shall not, except in the normal course of business but subject to the powers of the Bank hereincontained, cut/remove/dispose of the security from the place(s) wherever normally they/those may be kept/preserved/stored without the prior written permission ofthe Bank during the time any money herein mentioned shallremain outstanding. The said security, if so, required by the Bank, shall be immediately

21. (i) ri ~~~ri(<n) CfiT~/a:ffi:rq/3P1ih:-Rf~ 31Tmfuf~~m3TIet~"!R ~ ~~ mf et~ ~~ri ~ ~ ~ ~ ~ ~ ~ et)lCR; q;-81R ~ ~ ~ ri GRT~ 'T<ftlffi "!R qffiT~. ~m3TI, ~

d'd(<:;lfll(tl~ "!R qffi d'd(<:;lfll(tl~ ~ GRT~ f.:rRR q;T~"¥, <m ~"ID, 1R ~WICI>l ~ q;T aN~

Cflt(!T tl

The borrower(s) understand(s) that as a pre-condition relating to grant of loan/advances/other non- fundbased credit facilities to the borrower( s), the Bank requires his/her/their consent for disclosure by the Bank of,information and data relating to the borrower(s), the credit facilities availed of, to be availed.i oy theborrower(s), obligations assumed/to be assumed, by the borrower(s) in relation thereof and default, if any,committed by the borrower(s) in discharge thereof.

(ii) ~,ri~Wlfflt ~~GRT~~q R'"""1lj'l"lI(~ ~~)lCR;q;-81R~~t-

Accordinly, the borrower(s) hereby agree(s) and give(s) consent for the disclosure by the Bank of all or anysuch:

CCf» ri(<n)~~~~~1

(a) information and data relating to the borrower(s);(<Si) ri(<n) GRT~'T<ftIffi"!RqffiT~~m3TI~~~<IT ~I

(b) the information or data relating to any credit facility availed oflto be availed by the borrower(s); and(1T) ~ VcfiRet d'd(<:;IP@ q;r f.:r<:W q;-8 ~ ~(<n) GRTq;T 'T<ft~ "¥ I

~ ~ ~ ~ ~ ~ ~, smc: ~ ~ ('i1ffif) WT. CfiT<ITfcfim 3P1 ~ CfiT~ ~ ~ ft;tcf ~

w~ Cfii, ~ )lCR;Cfi1:wmrr tl

(c) default, if any, committed by the borrower(s) in discharge of his/her/their such obligation, as the Bank maydeem appropriate and necessary to disclose and furnish to Credit Information Bureau (India) Limited and anyother agency authorized in this behalf by Reserve Bank of India (RBI).

(iii) ri ~ Cflt(!T t ~ ri GRT~ CfiT~ q;T 'T<ft~ ~1J,Ci ~ ~ ~ ~ ~ ~I

(iii) The Borrower(s) declare(s) that the information and data furnished by the borrower(s) to the Bank are trueand correct.

( iv ) ri "$run Cflt(!Tt~:-(iv) The Borrower(s) undertakets) that:-(Cli) smc: ~ ~ ('i1ffif) WT. ~ ~ 3P1 ~ ~ ~ ~ ~ o?lT ~ CfiT~ GRT~ ~"d"fq-o~~,

)lCR;Cfi1:~ tl

(a) The Credit Information Bureau (India) Ltd. and any other Agency so authorized may use, process the saidinformation and data disclosed by the Bank in the manner as deem fit by them;

(<Si) smc: ~ ~ ('1m'f) WT. ~ ~ 3P1 ~~, ~ ~ o?lT ~ CfiT<ITmGRT~ ~ CfiT

~~~~3P1smc:~<IT~~CfiT,~~ft;tcf~,~Cfii,fcr;mr~~~~1

(b) The Credit Information Bureau (India) Ltd. and any other Agency so authorized may furnish for consideration,the processed information and data or products thereof prepared by them to banks financial institutions andother credit grantors or registered users as may be specified by RBI in this behalf.

15

22. ri ~ ~~et ~ 1lWlffit~ Cfi«!T t~~ &Rl ~ ~ ~/31ftTl1Cfit ~ 1l¥ <iT ~ et ~ 1l¥ <iT

~~~~et~1l¥"lR~ft;rcf~~~~Wrr~~~'GT~~,~~31Tet~

~ )fcliC; ~ (~I)

The Borrowers hereby agree as a pre-conditions of the loans/advances given to them by the Bank that in case theycommit default in the repayment of loan/advance or in the repayment of interest thereon or any of the agreedinstalments ofthe loan on the due date(s), the Bank and / or the Reserve Bank and / or the Reserve Bank of India willhave an unqualified right to disclose their name(s) as defaulters in such manner and through such medium as theBank or Reserve Bank of India in their absolute discretion may think fit.

fI¥l4R1/Cif1eai84Cfi ~ Cfft ~ i SCHEDULE OF PROPERTY/SECURITY HYPOTHECATED

~ ~ / REPAYMENT SCHEDULE

(~ ~ q;r) / (please specify)

~ me;<:!1l'lafl":l ~ Wf, l1m" Cl Cf1'f ~ ~ ~ fffim TT<iTt,~ am-am ~~ ~ :In witness whereofthe parties hereto have affixed their signatures on the day, month and year first hereinabove written.

~~~/FORTHEBANK

l.~~

1. Authorised Representative

2. mf~~2. Authorised Representative

~ / MANAGER

16

SPONSORSHIP LETTER FROM NGO/SHPI

To,

The Branch Manager,

Madhya Bihar Gramin Bank,

Date: _

Sub.: Linking of SHG with Bank, Submission of Proposals

~/DearSir,

f1'"1f~f€ld m ~ ~ et ~ ~ Cfi1 m ~ ~-~ ~ ~ et ~ ~ &RI >ffi!fu fc!;<:rr

-;;mrr ilWe forward herewith the loan proposals from the following SHGs for availing credit facilities from your bank

under the SHG - Bank Linkage Programme.

~.~. ~ ~ ~ q;r -;m:r ~r.tft~ Y fI'1I fq 1'1 ;JpJT urn.'

S.N. Name ofSHG No. of Members Loan Required

Kindly consider the request and do the needful at your earliest.

~~,

With regards,

Yours sincerely,

( )

.• To be used when NGO/SHPI is sponsored SHGs loan application to bank for direct linkage.

17

gltO\i1Ch mu~ cnr 3'lICbM'1 ~

1.~er;~s:.m~~~~~ ~ ~ 8.~~WTJftf3{q;

(~ q; "'~ ~ q; WR ~ 3ll"!lU q; amR 'R)

'f,")~~

~)~

'1)~

2.~~~~

(~ Wf;l q; ~ q; mq)

'f,") ~ it ¥. ~ q; ~ q; -.rn -q ~I

~) ~ f.fI:IfuTq; f.rqlif <tI ~ ~I

'1) ~ ~mu ~ <tI ~ -q ~I

'I) ~"iI"'iffi ~ 'J!iUl <tI ft.e!ftI <tI ~ ~I

3.tacnW~(mm "6: ~ 'liT ~)

'f,") m f.r:!fim ~ it ft m. ~ am <'!-lR 'R f<m 7

-;;mI tl

~)m f.r:!fim ~ it ~ -q v;<fi cm: f<m -;;mI t ~ 5

~ <tI ~ q; 311tm 'RI

'1) m f.mR -at~. ~ ft mi'f>". ~ (lm <'!-lR 3

'l\ f<m -;;mI tI

-q)m~mtl

4. bcl;Tt~'f,") lt1ft ~ ~ -q 90% it ~ <tI ~I

:l§) lt1ft ~ ~ -q 70% it 90% <tI ~I

'1) lt1ft ~ ~ -q 60% it 'f>"l'!<tI ~I

5. ~ -q fcretq ~-~("6: ~ 'liT 3111jq)

'f,") lt1ft "iI"'iffi"fl1f. fcretq f.\uf>{ <Im 'Ituif 'liT f<muT m 7

-q-tt ~ omn tl

~) ",>iT "iI"'iffi"fl1f <Im 3PI fcretq f.\uf>{ ~ -q m ~ 7

;;m\ t. ~ 'J!iUl 'liT f<muT 'Im: ~ omn t I

'1)"iI"'iffi "fl1f (lm fcretq f.\uf>{ "l\RT m it <m\ ~ -;;mI t 2

6. ftr.ftq Wf-t-:r er; "Ilftf~ W "'1'1~41i11 7'f,") <lit ~ ",>iT fcretq ~-~ q; "lIfu ~ tl 7

~) 'fiitiI 75% ~ ~ tl 6

'1)~m~~tl 3

'I)~~~~tl I

7. lImr W ~ ("3: ~ C1iT~) 7

'f,") 90% it V<IRI ~ i<IU ~ 'l\ "iI"'iffi<tI omit tl 7

~) 75% it V<IRI ~ i<IU ~ 'l\ "iI"'iffi<tI omit tl 5

'1) 50% it 'f>"l'!""li!" q; ~ i<IU ~ 'l\ "iI"'iffi<tI omit i I 2

1.~1I1'Ii1~: ...................................................•.......

2. WJft .

'1) qm:ft mim<f eos it ~I 4

13. ~ C1iT~ (am er; ~ ~ er; Wf) 9

'f,") ~ ~ 'liT 'lR'R 3

"19)"iI"'iffi~ 2

'1) 'J!iUl f<muT 2

'I) ~'IiT"iI"'iffi~"lIf'7T<t~'IiT~ 2

14.lIi'l"~W-q~m 7

q;) lIi'l".r.i~W -q ~ ml 7

"19) ~~mtftuTw<t~-q~ml 4

'1) ~mtftuTw-q~~~mTl I

8 'l:f - ~ fif<IfuI 'J!iUl urn~"iI"'iffi

q;) 1.5 1J"1T it atf~"19) 1-15 1J"1T q; 3Mf'fn

'1) 1 1J"1T it 'f>"l'!

9. ;J{UT~m

'f,") l'!1fu<ti f<fm!

~) ~ f<fm!

'1) v;<fi "'F'I S'J<1T'f

'I) ~-m~- ~q;~10. fll,!~lfll41 ~ ~~ ~ ~~

~-q;) mft >iT~ mm mu WI lfll "lIf'7T<tI qm:ft

f.r:!fim ~ it m -m tl

~) mft \ft mm mu Wl lfll "lIf'7T<tI qm:ft -q 'I'f>"f'!l tl

'1) ~mu~mm3lTit"llf'7T~~~T(>:Il.

~ "lIf'7T-.m firffil

11. ~ *-'-t-:r ~ ~'f,") 3lftmR ~ mu "lIf'7T'liT ~ ~ q; ft"miI

it ff;rqJ -;;mr. t I

lJ) lt1ft ~ -t ;jfq "lIf'7T'liT WlR ~ it ~ ~

omnt

'1) ~ l\ ~ q; mu cm:-'IR "lIf'7Tffilll "'ITi11tl

12.~~

'f,") qm:ft mim<f 95l~ it ~I

~ ~aiq;

4

4

2

1

4

4

3

2

0

10

10

6

5

9

9

5

2

9

9

'f," - WJft - 80 ~ it "'00 (~~)

lJ - WJft - 70-80 ~ (_~)'1 - WJft - 70 it 'f>"l'! ~ (_ it ~)

6

3

7

3

2

7

1

7

7

5

2

7

18

FOR BANK USE

PROCESSING NOTE FOR SANCTION OF CREDIT LIMIT TO SHG

Alc .

1. We have visited the place of SHG & checked their records and also delebrations amonggroup members. These are satisfactory / Good / unsatisfactory.

2. As per score sheet given over leaf, the above mentioned SHG has secured...................................... points and is fit / unfit for sanction.

Signature of

Recommending /

Sanctioning Authority

Credit limit of Rs is hereby sanctioned.

Signature of Sanctioning Authority

As recommended by

Credit proposal is rejected on the ground of the fact that .

Signature of sanctioning Authroity

19

FOR BANK USE Annexure. III

Assessing of Self-Help Group under SHG Bank - Linkage ProgrammeSI. Category Indicators Rating RatingNo. given

Number of members Less than 10 02Between 10-15 03

• From 16 and UP to 20 05ii. Composition Target group only 05

Having 1 to 5 Non-Target 03Group memberHaving more than 5 Non-Target Group 01member

iii. Age of the SHG More than 2 years 101-2 years 076 months to 1 year 05

iv. Monthly meetings during Four and above 05last six months Two to three 03

v. Attendance of members in More than 90% 10the group meetings 70% to 90% 05

Less than 70% 02vi. Participation of members High 05

at group rneetinqs (should Medium 03be ascertained through interview) Low 02

vii. Saivngs: If default rate is up to 10% 10a) Regularity up to 25% 07b) Quantum of savings up to 50% 05(through members only) But default is met during

succeeding month 10Between Rs. 2,000 and Rs. 5,0001-Below Rs. 20001- 07

viii. Group's Internal Loaning Above 90% . 10a) Utilisation of savings by 51% to 90% 07grants of internal loans 30% to 50% 05b) Interet rate on group's Depending upon purpose 05c) Group's internal loan Less than 18% 02Recovery Rate 100% 10d) Members benefited out Between 80% to 95% 07of group's internal loaning Between 70% to 80% 05

More than 50% 05Between 25% to 50% 03Less than 25% 02

Total Score:

Selection Criteria of SHGs for linkage' Status for SelectionScoring

I SHG scoring more than 80 points I. Selection without any reservation11. SHG scoring 60-79 points 11. Selection with cautionIll. SHG scoring less than 60 points Ill. Not suitable for linkage

Signature of Processing officer of Bank20

Signature of Branch Manager