AISA KYON HOTA HAI

[AGMSBLCKNL]

02.03.2010 AISA KYON HOTA HAI

Production of legal representation is not required for disposal of money left with the Bank in the case of deceased Army and Air Force personnel.

R. Such property is governed by the provisions of the Army and Air Force (Disposal of Private Property) Act, 1950. (Letter from the Commanding Officer of the unit is sufficient to pay the money to the dependants of the deceased

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State Bank Learning Centre, Karnal -

"A Centre of Gyanodaya"

Email :

agmstckn...@sbi.co.in

Fax :

0184 - 2268370

Phone :

AGM - 2268565, EPABX – 2265913

03.03.2010 AISA KYON HOTA HAI

Depreciation is charged on the Bank’s Fixed Assets.

R. It is charged to make usual allowance for normal wear and tear of fixed assets and to arrive at correct profitability of the Bank in tune with IT Act.

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State Bank Learning Centre, Karnal -

"A Centre of Gyanodaya"

Email :

agmstckn...@sbi.co.in

Fax :

0184 - 2268370

Phone :

AGM - 2268565, EPABX – 2265913

04.03.2010 AISA KYON HOTA HAI

The Bank is responsible for not taking reasonable care of an article kept in Safe Deposit, which was damaged due to improper/negligent handling by the Bank’s Staff and absentmindedness.

18. As per Section 151 of Indian Contract Act, a bailee must take as much care of bailed articles as a reasonable man of ordinary prudence would take care of his own articles.

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State Bank Learning Centre, Karnal -

"A Centre of Gyanodaya"

Email :

agmstckn...@sbi.co.in

Fax :

0184 - 2268370

Phone :

AGM - 2268565, EPABX – 2265913

05.03.2010 AISA KYON HOTA HAI

Photographs are taken for literate Agricultural borrowers also.

R. It serves to identify the borrowers/guarantors easily. Further, villagers have similar names. It enables the Bank to identify them with the help of photos.

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State Bank Learning Centre, Karnal -

"A Centre of Gyanodaya"

Email :

agmstckn...@sbi.co.in

Fax :

0184 - 2268370

Phone :

AGM - 2268565, EPABX – 2265913

 

06.03.2010 AISA KYON HOTA HAI

In case of illiterate borrowers/guarantors the thumb impressions should not be attested on the documents.

R. It should not be attested as it attracts ad valorem stamp duty. Instead, a separate letter on form AGR-9 is to be obtained from two witnesses to prove that the contents of the document were explained in a language known to the borrower/guarantor.

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State Bank Learning Centre, Karnal -

"A Centre of Gyanodaya"

Email :

agmstckn...@sbi.co.in

Fax :

0184 - 2268370

Phone :

AGM - 2268565, EPABX – 2265913

08.03.2010 AISA KYON HOTA HAI

The repayment period of Agricultural gold loans is linked to harvesting season.

R. Agricultural gold loans are sanctioned for either meeting the shortfall in expenses in cultivation of crops or for acquisition of unproductive assets. Therefore, the repayment shall be fixed with reference to the due date of harvest as payment capacity likely to be greater in harvesting

.

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State Bank Learning Centre, Karnal -

"A Centre of Gyanodaya"

Email :

agmstckn...@sbi.co.in

Fax :

0184 - 2268370

Phone :

AGM - 2268565, EPABX – 2265913

09.03.2010 AISA KYON HOTA HAI

Comprehensive Crop Insurance Scheme is introduced by the Government.

R. To provide relief to farmers in the event of failure of crops due to natural calamities and to encourage farmers to take loans from banks without fear of burden of non-repayment.

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State Bank Learning Centre, Karnal -

"A Centre of Gyanodaya"

Email :

agmstckn...@sbi.co.in

Fax :

0184 - 2268370

Phone :

AGM - 2268565, EPABX – 2265913

Fresh AB1 need not be obtained at the time of renewal and only revival letters are to be obtained once in 3 years.

R. AB1 agreement contains suitable continuity clause so that credit balance or nil balance in the loan account will not necessitate obtention of fresh documents. Personal liability clause in AB1 in terms of Limitation Act necessitates obtention of revival letter once in 3 years.

 

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State Bank Learning Centre, Karnal -

"A Centre of Gyanodaya"

Email :

agmstckn...@sbi.co.in

Fax :

0184 - 2268370

Phone :

AGM - 2268565, EPABX – 2265913

1. AISA KYON HOTA HAI

Loans for cultivation of Horticulture and plantation crops are given as Agricultural Term Loans whereas for cereal crops like paddy it is given as Agricultural Cash Credit.

R. These crops have long gestation period and long bearing life. The cost of cultivation is also very high. As the income accrues over a period of years they are sanctioned as Term Loan which is repayable from cash accruals.

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State Bank Learning Centre, Karnal -

"A Centre of Gyanodaya"

Email :

agmstckn...@sbi.co.in

Fax :

0184 - 2268370

Phone :

AGM - 2268565, EPABX – 2265913

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