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GUIDE TO RETAIL LENDING

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GUIDE TO RETAIL LENDING
STAFF COLLEGE, KOLKATA
A GUIDE TO RETAIL LENDING
(UPDATED UPTO 30/09/2013)
A. Centralised Retail Banking
B. Fraud Preventive Measures in Retail Segment
C. Retail Lending Schemes
1 : ALLBANK DREAM CAR (MODIFIED)
2 : ALLBANK AASHIANA ( MODIFIED)
3 : PREMIUM HOUSING FINANCE SCHEME FOR HIGH NET WORTH
INDIVIDUALS (HNIs)(MODIFIED)
4 : HOUSING FINANCE SCHEME FOR NRI/PIO
5 : HOUSING FINANCE SCHEME FOR FURNISHING, RENOVATION
&/OR REPAIRING OF HOUSE/FLAT
6 : ALLBANK SARAL LOAN SCHEME
7 : SARAL-2 LOAN SCHEME
8 : PERSONAL LOAN SCHEME FOR DOCTORS/ MEDICAL PRACTITIONERS
9 : PENSIONERS’ PERSONAL LOAN SCHEME
10: LOAN AGAINST NSC/KVP
11: ALLBANK ABHUSAN SCHEME (WITHDRAWN)
12: ALLBANK MOBIKE SCHEME
13: OVERDRAFT FACILITY IN SAVINGS BANK A/C
14: GYANDIPIKA
15: EDUCATIONAL LOAN SCHEME (MODIFIED)
16: ALLBANK RENT SCHEME
17: ALLBANK PROPERTY SCHEME
18: LOAN FOR APPLICATION MONEY RAISED BY HOUSING BOARD/
DEVELOPMENT AUTHORITY FOR ALLOTMENT OF RESIDENTIAL PLOT/
FLAT/HOUSE
19: ALLBANK COMMERCIAL VEHICLE SCHEME (MODIFIED)
20: ALLBANK FLEET FINANCE SCHEME
21: ALLBANK TRADE
22: IPO/FPO FINANCE SCHEME
23: ALLBANK GOLD
24: ALLBANK REVERSE MORTGAGE
25: SCHEME FOR LICI EMPLOYEES/ OFFICERS & AGENTS

D. Product Code for Retail Loans
E. Score Card & CRG

A. Centralised Retail Banking Boutiques (CRBBs)
Bank started Centralised Retail Banking Boutiques (CRBBs) in June 2009 on pilot project basis in Kolkata and subsequently established CRBBs in major cities, with an objective of better customer service by establishing a one stop credit delivery mechanism, ensuring quick sanction, proper disbursement with effective monitoring and follow up and ensuring boosting up of quality portfolio of Retail Loans and delivery of outstanding service to our customers with focused/undivided attention in a specialized manner, focusing on five products viz. Housing, Commercial Vehicle, Car
Loan, Educational Loan & Saral Loans.
Since, the CRBBs could not provide the
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