This is to provide hassle free credit to our customers in rural and semi-urban areas based on the assessment of cash flow without insistence on security, purpose, or end-use of the credit. The credit may be in the nature of overdraft or cash credit. Offered through all our rural and semi-urban branches.

• Applicant should be of the minimum age of 21 years and maximum age of 55 years
• Permanent resident of the command area of the branch which can be verified with ration card or any other documentary proof such as voter's list, electoral identity card etc
• Dealing with the Bank for at least last six months and his/her deposit account should show satisfactory transactions
• Have adequate repayment capacity
• Not have availed any other loan and/or credit card from our Bank
• Not defaulter of any other Bank/ Financial Institutions. No dues certificate should be obtained from other Banks/Financial Institutions in the area
• Only One person in the family will be issued the general credit card. No other family members of the applicant should be defaulter/NPA account holder of our Bank
• Women beneficiaries will be given preference
• Branch Manager may invite references from farmers clubs, school teachers, and post masters, valued clients of the branch, health centres, reputed NGOs and other Government officials

• 25% of the gross annual income of the main earning member of the family subject to maximum Rs.25,000/- per borrower
• The limit to be decided based on repayment capacity of the applicant
• Net income of the applicant to be sufficient to repay the advance

• Latest Salary Slip/Computer pay slip duly signed/ stamped by the employer.
• Salary Certificate from employer
• Form No. 16
• IT return acknowledgement copy (last financial year)

• Demand Promissory Note.
• Letter of continuity.