FINANCIAL POWERS OF VARIOUS CREDIT COMMI Facility/ constitution ZCC SB1/2 Others ADVANCES CORPORATES FB 6 NFB 6 [TL] [2.

5] Total Indebtedness 12 NON-CORPORATES # FB 4 NFB 4 [TL] [2] Total Indebtedness 8 INDIVIDUALS FB 2 NFB 2 Total Indebtedness 4 5 5 [2] 10 3 3 [1.5] 6 1.5 1.5 3 6 6 [2.5] 12 4 4 [2] 8 2 2 4 5 5 [2] 10 3 3 [1.5] 6 1.5 1.5 3 15 15 [9] 30 10 10 [5] 20 3 3 6 12.5 12.5 [7.5] 25 7.5 7.5 [4] 15 2.5 2.5 5 30 30 [20] 60 20 20 [10] 40 7.5 7.5 15 SMECC SB1/2 Others Domestic Offices [DOs] (Rs. In crores) CCC-II CCC-I/MCCC SB1/2 Others SB1/2

# NON-CORPORATES include JHF/Partnership, etc. # Proprietory firm is included in INDIVIDUALS for Domestic Offices and in PARTNERSHIP/JHF for Foreign Offices

* No proposal for individuals shall be put up to COCC for DOs/FOs

[TL] => Powers indicated within [] are within the total FB Indedtedness

ALLIED MATTERS Transfer to Recalled Assets a/c and filing of suit Write off of bad debts (including Compromise peoposals)/ waiver/ withdrawal of legal action (including notional interest) ...Subject to outstanding live ledger/ RA a/c or other books of a/c not exceeding

2.5

2.5

7.5

0.15

0.15

2.25

0.075

0.075

1.12

Reversal of outstanding/ closure of a/c's in AUCA (inclusive of notional interest up to the date of

0.075

0.075

1.25

transfer of outstandings to AUCA) $

$ Notional Interest accrued from the date of transfer to AUCA to the date of reversal need not be reckoned for the purp # Powers for DPGs are the same as that for TLs, vide page 34, para 2.7.3 of the Booklet on Delegation of Financial Powers, 1999 FOR MODIFIED POLICY ON REVERSAL OF AUCA ENTRIES PLEASE CLICK HERE

ERS OF VARIOUS CREDIT COMMITTEES

Foreign Offices [FOs] (USD mn. Or equivalent)

[DOs] (Rs. In crores) CCC-I/MCCC Others

COCC-II SB1/2 Others

COCC SB1/2 Others

IDCC-II

IDCC

COCC-II

COCC

25 25 [15] 50 15 15 [8] 30 5 5 10

75 75 150 30 30 60 15 15 15

50 50 100 25 25 50 10 10 10

125 125 250 60 60 60 15 * 15 * 15 *

100 100 200 50 50 50 10 * 10 * 10 *

8 8 16 5 5 10 1.5 1.5 2

15 15 30 8 8 16 2 2 2

10 10 20 5 5 10 2 2 2

20 20 20 10 10 10 2* 2* 2*

RSHIP/JHF for Foreign Offices

15

25

50

10

4.5

25

50

10

2,25

12.5

25

0.5

2.5

2.5

4.5

7.5

15

Not applicable for Foreign Offices

need not be reckoned for the purpose of determining the Competent Authority to approve reversal of entry in AUCA

sal of entry in AUCA

Constitution Corporates : Working Capital Term Loans* Non-Corporates : Working Capital Term Loans* * within the total FB indebtedness. Constitution Corporates : Working Capital Term Loans* Non-Corporates : Working Capital Term Loans* * within the total FB indebtedness.

POWERS OF DGM (BRANCH) Fund-Based Indebtedness 2 [2.5] 1[1.5]* 0.75[1] 0.50 [0.60]* POWERS OF AGM (REGION/BRANCH @) Fund-Based Indebtedness 1[1.50] 0.50 [0.75]* 0.60[0.75] 0.30 [0.40]*

[..] INDICATES POWERS FOR SB1/2 RATED BORROWERS # Powers for DPGs are the same as that for TLs, vide page 34, para 2.7.3 of the Booklet on Delegation of Financial Powers, 1999 @ For AGM (Branch) reporting to DGM (Module/CB)

F DGM (BRANCH) Non-Fund-Based Indebtedness 2 [2.5] 0 0.75[1] 0 (REGION/BRANCH @) Non-Fund-Based Indebtedness 1[1.50] 0 0.60[0.75] 0

Total Indebtedness 4[5] 0 1.5 [2] 0 Total Indebtedness 2 [3] 0 1.20[1.50] 0

page 34, para 2.7.3

SCHEME OF DELEGATION OF FINANCIAL POWERS,2003 ADVANCES- BRANCH MANAGERS The powers of Branch functionaries may be restricted by the Circle CGM to a lower amount. Please check the Circle instructions before applying these powers at Branch level Rs. In Lacs <== Category of Branch SMGS-IV Specified Security Goods(Pledge/Hypothecation) including documents of title to goods and hyp. of book debts Advances against bills Clean Documentary Term loans Unsecured Loans 75 MMGS-III 50

40

20

6 40 15 3

4 30 10 2

Non-fund based Ordinary Guarantees [excluding DPGs] # 20 15 Letters of Credit 20 15 @ For ATLs, powers up to Rs. 3 lacs only for financing Tractors (with accessories) and farm machine

$ Only for financing SHGs under Normal or Regular lending schemes # Powers for DPGs are the same as that for TLs, vide page 34, para 2.7.3 of the Booklet on Delegation of Financial Powers,1999

WERS,2003

he Circle CGM to a lower amount. powers at Branch level ==> MMGS-II 30 JMGS-I 20 JMGS-I (SAB) 10

10

2.5 15 5 0.5 (1.5)$

1 3 2@ 0.1 (0.75)$

0.5 1 1 0.05 (0.5)$ -

6 2 6 2 tors (with accessories) and farm machinery

34, para 2.7.3