PRIORITY SECTOR ADVANCES

Ø Lending to Priority Sector

Ø Common Guidelines for Priority Sector Advances

Ø Processing of Applications

Ø Mode of Disbursement of Loan

Ø Repayment Schedule

Ø Rates of Interest

Ø Penal Interest

Ø Inspection Charges

Ø Insurance Against Fire and Other Risks

Ø Other Charges

Ø Photographs of Borrowers

Ø Discretionary Powers

Ø Machinery to Look into Complaints

Ø Direct Finance

Ø Indirect Finance

Ø Kisan Credit Card Scheme (KCCS)

Ø Finance to Hi‑Tech Agricultural Projects

Ø R.V. Gupta Committee Recommendations

Ø Small Scale Industries

Ø Small Scale and Ancillary Industries

Ø Tiny Enterprises

Ø Small Scale Service & Business Enterprises (SSSBE's)

Ø Indirect Finance to Small Scale Industrial Sector

Ø Industrial Estates

Ø Khadi and Village Industries Sector

Ø Other SSI Units

Ø Other Activities/Borrowers in the Priority Sector

Ø Small Road and Water Transport Operators

Ø Retail Trade

Ø Professional & Self Employed Persons

Ø Small Business

Ø State Sponsored Organisations for Scheduled Castes/Scheduled Tribes

Ø Loans to Self‑Help Groups (SHGs)INGOs/Micro Credit

Ø Food and Agro‑Based Processing Sector

Ø Software Industry

Ø Venture Capital

Ø Targets for Priority Sector Lending by Scheduled Commercial Banks (Excluding RRBs)

Ø Main Targets for All Scheduled Commercial Banks excluding Foreign Bank

Ø Sub‑Targets for All Scheduled Commercial Banks excluding Foreign Banks

Ø Swarana Jayanati Gram Swarozgar YoJana (SGSY)

Ø Swarna Jayanti Shahari Rozgar YoJana (SJSRY)

Ø Prime Minister's Rozgar Yojana (PMRY)

Ø Scheme for Liberation and Rehabilitation of Scavengers (SILRS)

Ø Credit Facilities to Minority Communities

Ø National Minorities Development and Finance Corporation (NMDFC)