Rate of Provision

NPA

1. STD. ASSETS ---------- 0.4% OF LOAN

                                            & 0.25% IN CASE OF AGRICULTURAL & SME SECTORS

                                            & 2% IN CASE OF PERSONAL LOANS, LOANS & ADVANCES QUALIFYING AS CAPITAL MKT.EXPOSURES, COMMERCIAL ESTATE LOANS & LOANS & ADVANCES TO SYSTEMATICALLY NBFCs-ND

2. SUB STD ASSETS-------------------- 10% + 10% UNSECURED

3. DOUBTFUL ASSETS :-

1ST YEAR------ 100% UNSECURED + 20% SECURED

2ND & 3RD YEAR-------------100% UNSECURED + 30% SECURED

BEYOND 3 YEARS------------100% LOAN

4. LOSS ASSETS ---------100%

5. ASSETS FOR WHICH BORROWERS LIABILITY IS LESS THAN Rs.25000--------TO BE  INCREASED TO 10% FOR THE YEAR ENDING 31.3.1996

Thanks a lot Payal