Annexure XI
Master Circular
PRIORITY SECTOR LENDINGS - SPECIAL PROGRAMMES
(Vide paragraph 18(c)-Section III)
Government Of India,
Ministry Of Industry,
(Dept. of Small Scale Industries
and Agro and Rural Industries),
Udyog Bhavan, New Delhi - 110 011
Tele. No. 301 2107September 29, 1993
D.O.No. DIC-6(1)/93
Dear Chief Secretary,
Please refer to my D.O.No.DIC-6(1)/93 dated 24th September, 1993 regardingimplementation of the Prime Minister's Rozgar Yojana (PMRY) as per theannouncement made by the Prime Minister in his Independence Day Address. A copyof the Scheme, Main Features and Operational Guidelines along with target for 1993-94 was also enclosed so that the PMRY can be launched in right earnest from 2ndOctober, 1993.
I hope, the State Industries Department, their field officers and other concernedagencies would have been geared up for this purpose. We would like the weakersections including women to be given preference for these opportunities, which wouldbe available under this scheme. Therefore, it has been decided to provide 22.5percent reservation for SC/ST and 27 percent for backward castes (OBC). In caseSC/ST/OBC candidates are not available State Government will be competent toconsider other category of candidates under PMRY.
The Reserve Bank of India has issued instructions to all Indian scheduled commercialbanks to implement the PMRY scheme. A copy of the RBI letter is enclosed for yourinformation. The RBI has advised that the State Governments should monitor andhelp the banks in recovery of the loans. In our earlier letter we have advised the StateGovernments to set up State Level and District Level Committees to oversee theimplementation of the scheme. These Committees should also monitor and maintainclose co-ordination with all commercial banks and help in recovery of the loans. Thiswill help in successful implementation of the scheme.
With regards.
Sd/-
(S.L. Kapur)
Secretary
Annexure X II
Master Circular
PRIORITY SECTOR LENDINGS -SPECIAL PROGRAMMES
(Vide paragraph 18(d)-Section III)
Constitution of State/UT PMRY CommitteeState PMRY Committee has been reconstituted by introducing new members. The details of members are as under:
| 1. | Chief Secretary | - | Chairman |
| 2. | Secretary, Deptt. of Industries | - | Member |
| 3. | Secretary, Deptt. of Finance | - | Member |
| 4. | Secretary, Deptt. of Planning | - | Member |
| 5. | Secretary, Dept. of Rural Development | - | Member |
| 6. | Secretary, Deptt. of Labour | - | Member |
| 7. | Representatives of State/UT level Banking Institutions including RBI | - | Member |
| 8. | Commissioner/Director of Industries and Commerce | - | Member Secretary |
| 9. | Director, SISI/ In –charge,Branch SISI of States/Uts | - | Member |
| 10. | Officials concerned with the welfare of SCs/STs | - | Member |
Other officials and non-officials may be invited if their presence is felt necessary in the meetings.
Functions:
1. To provide leadership and guidance to the District PMRY, committees in the planning, implementation and monitoring of the scheme.
2. To secure inter departmental co-ordination between various implementing agencies and to ensure development of strong backward and forward linkages.
3. To review expenditure to ensure that it remains within the sanctioned limit.
4. To review the physical targets and achievements.
5. To monitor and evaluate the implementation of the scheme.
6. To provide the forum for a meaningful dialogue at the state level between various implementing agencies.
Annexure XII contd. page 42
Annexure XII
Constitution of District PMRY Committee| 1. | District Collector/Dy. Commissioner | - | Chairman |
| 2. | CEO, DRDA | - | Member |
| 3. | District Employment Officer | - | Member |
| 4. | Lead Bank Manager | - | Member |
| 5. | Chairman, Task Force Committee | - | Member Secretary |
Besides these officers/representatives, Chairman can co-opt. any one or more of the following:
One or more prominent citizens from the fields of social services, industry/business,District Welfare Officer, District Statistical Officer, District Education Officer,Principals of local Engg. Colleges/Polytechnics/ITIs or representative of theDirectorate of Technical Education/Vocational Training/Industrial Training,Representatives of Banks.
Functions of the District PMRY Committees :
1. To keep various agencies informed of the basic parameters and the requirements of the Scheme and the tasks to be performed by these agencies.
2. To review progress of training and financial norms and prescribe new norms keeping overall expenditure within the sanctioned limits.
3. To monitor and evaluate the Scheme to ensure its effectiveness.
4. To secure interdepartmental co-ordination and co-operation.
5. To give publicity to the achievements made and disseminate knowledge and build-up awareness about the scheme.
6. To send periodical statements to the State Govt. in the prescribed formats.
Constitution of High Powered Committee| 1. | Secretary, Ministry of SSI & ARI | - | Chairman |
| 2. | Addl. Secretary & Development Commissioner, MoSSI | - | Member |
| 3. | Addl. Secretary & Financial Adviser, MoSSI & ARI | - | Member |
| 3. | Adviser (Village& Small Industries),Planning Commission | - | Member |
| 4. | Joint Secretaries, Min. of Rural Development; Finance;Labour; Social Justice & Empowerment, Urban Development & Poverty Alleviation. | - | Members |
| 5. | Executive Director, RBI | - | Member |
| 6. | Chairman, SBI | - | Member |
| 7. | CMDs of Canara Bank; Central Bank of India; United Bank of India; Federal Bank Ltd. | - | Members |
| 8. | Select State Government Officials from Governments of Maharashtra, West Benga l,Uttar Pradesh, Assam, Tamil Nadu and Karnataka. | - | Members |
| 9. | Director (PMRY) ,Min. of ARI | - | Member Secretary |
Functions of High Powered Committee
1.To ensure effective implementation of the scheme.
2.To review the progress of the scheme in physical, financial and quantitative terms.
3.To consider concurrent evaluation reports.
4.To serve as standing forum for interaction among the State Govts.and different departments, banks and agencies involved in the implementation of the scheme.
5.To consider proposal for providing entrepreneurial development, assistance and strengthening institutions and infrastructure relating to entrepreneurship developments.
7. Revision and modifications of operational guidelines.
Chairman will have powers to co-opt other members/invitees on the Committee as and when deemed necessary.
The Committee will meet periodically to carry out its functions.
Constitution of Monitoring Cell for PMRY and SGSY
| 1. | Deputy Governor, RBI | - | Chairman |
| 2. | Secretary , Min. of SSI & ARI | - | Member |
| 3. | Secretary , Min. of Rural development | - | Member |
| 4. | Secretary (FS), Min. of Finance | - | Member |
| 5. | Chairman, SBI | - | Member |
| 6. | CMDs of major implementing banks | - | Member |
| 7. | Select State Government Officials | - | Members |
| 8. | Select Regional Offices-in-Charge, RPCD, RBI | - | Members |
The apex level forum under the aegis of RBI to review implementation of the scheme and also to suggest remedial measures for its effective implementation.
Annexure XIII
Master Circular
PRIORITY SECTOR LENDINGS -
SPECIAL PROGRAMMES
PMRY - Recommendations by Task Force
(Vide paragraphs 13 (vii) - Section II and 16(e)– Section III)No. 6(2)/94-DIC June 22, 1994
To,
1. The Secretary, (Small Scale Industries), All States/UTs.
2. The Director of Industries, All States/UTs
Sub: Recommendations by Task Force under PMRY Scheme to banksand State-wise/District-wise targets under PMRY Scheme
Sir,
An intensive study of implementation of the PMRY during the year 1993-94 wascarried out by officers of DC, SSI in the States of Delhi, West Bengal, Bihar, Gujaratand Kerala. These studies and interaction with other State Govts. and review ofprogress reports has revealed certain common problems and fallacies regardingallocation of targets and recommendations by Task Forces to the Banks. Theproblems are summarised as follows:
Problems
1. Some States carried out the administration of the Scheme sequentially instead of in parallel. Hence they invited applications in the first instance which were then scrutinised and recommended by the Task Forces. The process of appraisal sanction and disbursement by banks began only when the process of inviting applications and recommendations by Task Force was completed.
2. Many banks/bank branches do not accept recommended cases if their number exceeds their target by 25 percent or some such percentage.
3. In many instances recommended cases that remain pending at the end of the financial year are returned to the Task Forces by the Banks.
4. Many recommended cases are returned by banks/bank branches stating,"Targets for the year have been achieved."
5. In lots of cases e.g. Delhi, the recommended cases have not been sent to the correct bank branches under whose jurisdiction the recommended case lies.
6. Generally, both the Task Forces and the lead banks have taken unduly long time in re-allocating targets and reallocating recommendations to be sent to different bank branches in case this kind of need arises in the district. Similar situation seems to have prevailed at the State level also.
It has been decided to issue a consolidated statement of clarifications in order tofacilitate the administrative process of recommending cases to banks andsanction/disbursements against them by banks.
Clarifications
1. The activities of inviting applications and making recommendations by the Task Force is in parallel to the activity of sanction/disbursement of loans to beneficiaries by banks/ bank branches. These activities should not be seen as sequential activities.
2. It has been provided in the operational guidelines that, generally, the Task Force should send around double the number of cases to each bank branch against its target so as to take care of rejections of cases at the bank branch level. This stipulation should be followed scrupulously.
3. The process of inviting applications and making recommendations by the Task Force is a continuous process. Generally, applications should be invited by the Task Force all the year round. In other words, a potential beneficiary should be able to apply for loan under the Scheme as per prescribed procedure at any time and not within a stipulated/fixed period.
4. The Task Force should meet regularly, let us say, twice a month to consider and review the applications. These applications should be processed on a regular basis. The recommendations of the Task Force should be regularly sent the year round to various bank/bank branches in the district keeping in mind the targets allocated to each bank/bank branch.
5. The lead Bank and two banks are members of the Task Force. Therefore, the broad financial appraisal of the project should be carried out in the Task Force itself. To facilitate correct appraisal and recommendation of the project at the initial stage itself the potential beneficiary should be interviewed wherever required in order to obtain all relevant information etc. at the initial stage itself.
6. Therefore, it is once again emphasised and clarified that the process of receiving applications and making recommendations by the Task Force should be a continuous process over the entire year.
7. In general, any bank branch should, at any time, accept recommended cases at least to the extent of double their targets during a particular year.
8. The bank/bank branch should request well in time for more recommended cases from the Task Force, if they find themselves unable to sanction cases to their target from the double number of recommendations received.
9. It is extremely important to understand that a case once recommended does not lose sanctity at the end of the financial year. Recommended cases pending with the banks at the end of the financial years should, as a rule, be considered first for sanction/disbursement in the next financial year. However this does not seem to be happening because the figures for sanctions and disbursement in the first quarter have been almost negligible. This shows that banks are either not considering recommended cases pending with them from the last financial year or they have returned the cases at the end of the year on the grounds that they were pending.
10. As a rule, no case recommended by the Task Force should be returned by a bank/bank branch on grounds of already achieved targets etc.
11. If the distribution of recommended cases to particular bank/bank branch are much less or much more compared to their targets than the re-allocation of all the recommended cases branch-wise etc. should be immediately done by the lead bank Manager in consultation with the implementing agency.
The above clarification should ensure the following:
i). The flow of applications and flow of recommended cases by the Task Force to the banks will become regular and continuous over the year.
ii). A potential beneficiary will be able to apply for a loan under the scheme as per standard procedure at any time during the year.
iii). The Task Force will meet regularly (Twice a month) to process the applications received and make their recommendations.
iv). The broad financial appraisal of the project should be carried out at the initial stage in the Task Force itself because lead bank manager and two other banks are members of the Task Force. The deficiencies, if any, in the application forms and other information that may be required should be completed at the initial stage in the Task Force itself. For this purpose, if required, in interview of the potential beneficiary should be arranged.
Regular dates can be fixed for the meetings of the Task Force and well publicised.
v). The bank at any time will have enough number of recommended cases to consider for sanctions/disbursements.
vi). Recommended cases pending with the banks at the end of the year will be considered for sanction/disbursement first, in the beginning in the next year. This will ensure the process of sanctions and disbursements over the entire year.
You are requested to incorporate the above clarification in your administrative procedures and co-ordination and put them into effect in an appropriate way. You may also kindly bring these to the notice of all implementing agencies training institutions, NGOs and banks concerned.
Sd/-
(Raju Sharma)
Director (PMRY)
APPENDIX
Master Circular
Prime Minister’s Rozgar YojanaList of Circulars consolidated by the Master Circular
| Sr.No. | Circular No. | Date | Subject |
|---|
| 1. | RPCD No.SP/BC.42/PMRY/93-94 | 28-9-93 | Prime Minister’s Rozgar Yojana for Educated Unemployed Youth (PMRY) |
| 2. | RPCD No.SP/BC.58/PMRY/93-94 | 25-10-93 | Prime Minister’s Rozgar Yojana for Educated Unemployed Youth (PMRY) |
| 3. | RPCD No.SP/BC.88/PMRY/93-94 | 13-1-94 | Prime Minister’s Rozgar Yojana for Educated Unemployed Youth (PMRY) |
| 4. | RPCD No.SP.BC.91/PMRY/93-94 | 25-1-94 | Prime Minister’s Rozgar Yojana for Educated Unemployed Youth (PMRY) |
| 5. | RPCD No.SP.BC.107/09.04.01/93-94 | 2-3-94 | Prime Minister’s Rozgar Yojana for Educated Unemployed Youth (PMRY) |
| 6. | RPCD No.SP.BC.115/09.04.01/93-94 | 4-3-94 | Recovery Performance-Government sponsored Programmes |
| 7. | RPCD No.SP.BC.117/09.04.01/93-94 | 11-3-94 | Prime Minister’s Rozgar Yojana |
| 8. | RPCD No.SP/BC.131/PMRY/94-95 | 30-4-94 | Continuation of Prime Minister’s Rozgar Yojana (PMRY)-Targets for achievement for the Financial Year 1994-95 |
| 9. | RPCD No.BC.167/09.04.01/93-94 | 20-6-94 | Prime Minister’s Rozgar Yojana for Educated Unemployed Youth (PMRY)-Reporting forms |
| 10. | RPCD No.BC.171/09.04.01/93-94 | 24-6-94 | Prime Minister’s Rozgar Yojana for Educated Unemployed Youth (PMRY) |
| 11. | RPCD No.SP/BC.7/09.04.81/93-94 | 18-7-94 | Prime Minister’s Rozgar Yojana (PMRY) - Educational Qualification |
| 12. | RPCD No.BC.17/09.04.01/94-95 | 27-7-94 | Prime Minister’s Rozgar Yojana for Educated Unemployed Youth (PMRY) |
| 13. | RPCD No.BC.40/09.04.01/94-95 | 29-9-94 | Family Income under PMRY |
| 14. | RPCD No.SP.BC.65/09.04.01/94-95 | 9-11-94 | Prime Minister’s Rozgar Yojana (PMRY) - Payment of interest on fixed deposit |
| 15. | RPCD No. 992/09.04.01/94-95 | 22-11-94 | Reporting System on progress under Prime Minister’s Rozgar Yojana (PMRY) |
| 16. | RPCD No.BC.127/09.04.01/94-95 | 6-3-95 | PMRY-Clarification |
| 17. | RPCD No.BC.133/09.04.01/94-95 | 20-3-95 | Target for achievements for SC/ST & OBC under PMRY |
| 18. | RPCD No.BC.69/09.04.01/95-96 | 28-12-95 | Prime Minister’s Rozgar Yojana for Educated Unemployed Youth (PMRY) |
| 19. | RPCD No.SP.BC.94/09.04.01/95-96 | 16-2-96 | Prime Minister’s Rozgar Yojana (PMRY)-Recovery performance |
| 20. | RPCD No.BC.107/09.04.01/95-96 | 14-3-96 | Association of KVIC in implementation of the PMRY-Target and modalities thereof for 1995-96 |
| 21. | RPCD No.BC.109/09.04.01/95-96 | 15-3-96 | Prime Minister’s Rozgar Yojana for Educated Unemployed Youth (PMRY) - Task Force |
| 22. | RPCD No.BC.134/09.04.01/95-96 | 16-5-96 | Prime Minister’s Rozgar Yojana for Educated Unemployed Youth (PMRY) -Clarifications |
| 23. | RPCD No.BC.137/09.04.01/95-96 | 17-5-96 | Training under PMRY. |
| 24. | RPCD No.SP.BC.138/09.04.28/95-96 | 16-5-96 | Prime Minister’s Rozgar Yojana (PMRY) - Findings of the third field study conducted by RBI |
| 25. | RPCD No.SP.BC.139/09.04.01/96-97 | 21-5-96 | Insistence of collateral by banks-PMRY |
| 26. | RPCD No SP.BC.6/09.04.01/96-97 | 2-7-96 | PMRY - Implementation of the scheme |
| 27. | RPCD No.SP.BC.37/09.01.28/96-97 | 18-9-96 | Prime Minister’s Rozgar Yojana (PMRY)-Recovery performance |
| 28. | RPCD No.SP.BC.48/09.04.01/96-97 | 15-10-96 | Prime Minister’s Rozgar Yojana for Educated Unemployed Youth (PMRY) |
| 29. | RPCD No.SP.BC.66/09.04.01/96-97 | 19-11-96 | PMRY - Sponsoring of applications |
| 30. | RPCD No.SP.BC.75/09.04.01/96-97 | 11-12-96 | Prime Minister’s Rozgar Yojana for Educated Unemployed Youth (PMRY) |
| 31. | RPCD No.SP.BC.127/09.04.01/96-97 | 21-4-97 | PMRY-Deceased Borrowers |
| 32. | RPCD No.SP.BC.132/09.04.01/96-97 | 26-4-97 | PMRY-Extension of cut off date for closure of disbursements for cases sanctioned during the years 1993-94, 1994-95 and 1995-96 |
| 33. | RPCD No.SP.BC.135/09.04.01/96-97 | 12-5-97 | PMRY - Clarifications |
| 34. | RPCD No.SP.BC.136/09.04.01/96-97 | 15-5-97 | PMRY Scheme - Adjustment of subsidy |
| 35. | RPCD No.SP.BC.43/09.04.01/97-98 | 22-10-97 | PMRY - Dissolution of partnership |
| 36. | RPCD No.SP.BC.82/09.04.06/97-98 | 6-2-98 | PMRY-Adjustment of subsidy amount released |
| 37. | RPCD No.SP.BC.86/09.04.01/97-98 | 16-2-98 | PMRY-Closure of disbursements for cases sanctioned during a programme year where partial disbursement has taken place as on the cut-off date |
| 38. | RPCD No.SP.BC.92/09.04.01/97-98 | 21-2-98 | Closure of Sanctions and disbursements of loans under PMRY |
| 39. | RPCD No.SP.BC.105/09.04.01/97-98 | 26-3-98 | Closure of sanctions and disbursements under PMRYProgramme year 1997-98 |
| 40. | RPCD No.SP.BC.126/09.04.01/97-98 | 3-6-98 | Relaxation of PMRY norms for North - East Region |
| 41. | RPCD No.SP.BC.14/09.04.01/98-99 | 25-7-98 | PMRY - Clarifications |
| 42. | RPCD No.SP.BC.18/09.04.06/98-99 | 31-7-98 | Utilisation of subsidy by Banks under PMRY-Programme years 1993-94 to 1996-97 |
| 43. | RPCD No.SP.BC.19/09.04.01/98-99 | 31-7-98 | PMRY-Clarifications - Cut off date for Accounting for Sanctions, Cut off date for Lapsing of Sanctions and completion of disbursement under PMRY for 1997-98 |
| 44. | RPCD No.SP.BC.59/09.04.01/98-99 | 7-1-99 | Reporting System on progress under Prime Minister’s Rozgar Yojana (PMRY) |
| 45. | RPCD No.SP.BC.83/09.04.01/98-99 | 22-3-99 | Prime Minister’s Rozgar Yojana (PMRY) - Modifications in the Guidelines of the scheme |
| 46. | RPCD No.SP.BC.106/09.04.01/98-99 | 10-6-99 | Closure for disbursements under PMRY |
| 47. | RPCD No.SP.BC.1/09.04.01/99-2000 | 5-7-99 | PMRY - Modifications in the guidelines of the Scheme for North-East states |
| 48. | RPCD No.SP.BC.2/09.04.01/99-2000 | 6-7-99 | Prime Minister’s Rozgar Yojana (PMRY)-Modifications in the guidelines of the scheme-Clarifications |
| 49. | RPCD No.SP.BC.3/09.04.01/99-2000 | 6-7-99 | Implementation of Prime Minister’s Rozgar Yojana (PMRY) |
| 50. | RPCD No.SP.BC.5/09.04.06/99-2000 | 8-7-99 | PMRY - Submission of final subsidy utilisation certificate/ Pending claims statement pertaining to the programme year 1997-98 |
| 51. | RPCD No.SP.BC.22/09.04.06/99-2000 | 23-8-99 | PMRY-Revised Format for submission of Quarterly Subsidy Utilisation Statement |
| 52. | RPCD No.SP.BC.26/09.04.06/99-2000 | 28-9-99 | Prime Minister’s Rozgar Yojana (PMRY) - Subsidy utilisation certificate for 1993-94 to 1998-99 as on 31-3- 1999 |
| 53. | RPCD No.BC.50/09.04.01/99-2000 | 20-12-99 | PMRY - Affidavit on income of the applicant |
| 54. | RPCD No.SP.BC.59/09.04.01/99-2000 | 7-2-2000 | PMRY - Lease Period of rented Premises. |
| 55. | RPCD No.SP.BC.75/09.04.01/99-2000 | 27-3-2000 | PMRY - Monitoring of the benefits accruing to the physically handicapped persons under PMRY |
| 56. | RPCD No.SP.BC.76/09.04.01/99-2000 | 28-3-2000 | PMRY - Implementation of the scheme |
| 57. | RPCD No.SP.BC.93/09.04.01/99-2000 | 12-5-2000 | Cut-off dates for lapsing of sanction & closure of disbursements under PMRY for programme year 1999-2000 |
| 58. | RPCD No.SP.BC.94/09.04.06/99-2000 | 13-5-2000 | PMRY-Submission of final subsidy utilization/requirement statement for claims pertaining to the programme year 1998-99 |
| 59. | RPCD No.SP.BC.95/09.04.01/99-2000 | 13-5-2000 | PMRY - Implementation of the scheme |
| 60. | RPCD No.SP.BC.2/09.04.06/2000-01 | 4-7-2000 | Prime Minister’s Rozgar Yojana (PMRY)-Subsidy Release/Utilisation Certificate for programme years 1993-94 to 1999-2000 as on 31-3-2000 |
| 61. | RPCD No.SP.BC.13/09.04.01/2000-01 | 4-9-2000 | PMRY-Implementation of the scheme - visit of the Parliamentary Standing Committee on Industry |
| 62. | RPCD No.SP.BC.20/09.04.01/2000-01 | 30-9-2000 | Prime Minister’s Rozgar Yojana for Educated Unemployed Youth (PMRY) - Enhancement in the family income ceiling |
| 63. | RPCD No.SP.BC.55/09.04.01/2000-01 | 12-2-2001 | Implementation of Prime Minister’s Rozgar Yojana (PMRY)-Enhancement in exemption limit for obtention of collateral security |
| 64. | RPCD No.SP.BC.80/09.04.01/2000-2001 | 27-4-2001 | Implementation of PMRY - Target for achievement 2001-2002 |
| 65. | RPCD No.SP.BC.82/09.04.01/2000-01 | 27-4-2001 | Cut off dates for lapsing sanction and completion of disbursements under PMRY for Programme year 2000-2001 |
| 66. | RPCD No.SP.BC.84/09.04.01/2000-01 | 3-5-2001 | Relaxation in residency criteria for married women under PMRY |
| 67. | RPCD No.SP.BC.86/09.04.01/2000-01 | 15-5-2001 | Assistance from State Govt. Agencies to the Banks for recovery of PMRY loans |
| 68. | RPCD No.SP.BC.99/09.04.01/2000-01 | 22 -6-2001 | Target for achievement under PMRY for the year 2001-2002 (Revised) - Allocation of additional target. |
| 69. | RPCD.SP.BC 26/09.04.01/2001-02 | 19-9-2001 | Allocation of targets to banks having less than 5 branches in a state. |
| 70. | RPCD.SP.BC 52/09.04.01/2001-02 | 31-12-2001 | Filing of criminal complaints against the borrowers who misuse the loans sanctioned under PMRY |
| 71. | RPCD.PLNFS.BC73 /09.04.01/2001-02 | 02-04 2002 | Obtention of 'No Dues Certificate-Lending under Govt.sponsored schemes |
| 72. | RPCD.PLNFS.BC79 /09.04.01/2001-02 | 17-04-2002 | Allotment of targets under PMRY to the banks having less than 5 branches in the state-Relaxation of norms in Pondicherry |
| 73. | RPCD.PLNFS.BC41 /09.04.01/2002-03 | 31-10-2002 | Review of rejected cases. |
| 74. | RPCD.PLNFS.BC47/09.04.01/2002-03 | 21-11-2002 | Parents/heads of family of unmarried girls to be made co-borrower. |
| 75. | RPCD.PLNFS.BC71/09.04.01/2002-03 | 12-02-2003 | Modified parameters as applicable to Himachal Pradesh and Uttaranchal |
| 76. | RPCD.PLNFS.BC17/09.04.01/2003-04 | 11-08-2003 | Residency criteria for married men in Meghalaya. |
| 77. | RPCD.PLNFS.BC21/09.04.01/2003-04 | 11-09-2003 | Advancing loans in the ratio of 50%,30%,20% for Industry, Service and Business sectors respectively. |
| 78. | RPCD.PLNFS.BC31/09.04.01/2003-04 | 01-10-2003 | Modified parameters as applicable to Jammu and Kashmir. |
| 79. | RPCD.PLNFS.BC50/09.04.01/2003-04 | 08-12-2003 | Inclusion of Self Help Groups under PMRY. |
| 80. | RPCD.PLNFS.No.1717/09.04.01/2003-04 | 05-05-2004 | Withdrawal of ceilings on the activities to be covered under industry, service and business. |
| 81. | RPCD.PLNFS.BC11/09.04.01/2004-05 | 30-07-2004 | Implementation of PMRY-Modification in norms. |
| 82. | RPCD.PLNFS.BC12/09.04.01/2004-05 | 30-07-2004 | Allotment of targets under PMRY to the banks having less than 5 branches in the state-Modification in norms in J & K. |
| 83. | RPCD.PLNFS.BC13/09.04.01/2004-05 | 30-07-2004 | Inclusion of Self Help Groups under PMRY -Modification in norms. |
Presented by eximkey.com