Delegation of Power

Scheme Security/Category Branch Level
(Unit Head)
Regional Office HO Level
Senior/ Chief Manager Assistant General Manager GM(B)/ 2 Member Commitee 3 Member Commitee Board Level
Chitty Personal Surety 12 Lakhs - 12 - 18 Lakhs - - -
Chitty Property Security 20 Lakhs 20-40 Lakhs 40 Lakhs - 5 Crores - - -
Chitty Loan Personal Surety 7 Lakhs - 7 - 10 Lakhs - - -
Chitty Loan Property Security 12 Lakhs - 12 - 25 Lakhs 25 - 60 Lakhs 60 Lakhs - 1 Crore Above 1 Crore
Personal Loan Personal Surety 7 Lakhs - - - - -
Personal Loan Property Security 7 Lakhs - 7 - 15 Lakhs 15 - 20 Lakhs 20 - 25 Lakhs 25 - 30 Lakhs
CVL Personal Surety 5 Lakhs - 5 - 10 Lakhs 10 - 15 Lakhs - -
CVL Property Security 5 Lakhs - 5 - 15 Lakhs 15 - 25 Lakhs 25 - 30 Lakhs 30 - 40 Lakhs
Spl. Car Loan Personal Surety 7 Lakhs - - 7 - 15 Lakhs - -
Spl. Car Loan Property Security 7 Lakhs - - 7 - 15 Lakhs - -
Housing Loan
Property only for Construction 20 Lakhs - 20- 35 Lakhs 35 - 50 Lakhs 50 - 75 Lakhs 75 Lakhs - 1 Crore
Property 20 Lakhs - 20 - 35 Lakhs 35 - 50 Lakhs 50 - 75 Lakhs 75 Lakhs - 1 Crore

Check Valuation of Property to be done if EMV > 4 Crores/ FL >2 Crores


Gold Loan - Circular 43/2023

Branch Level Regional Office Level
Assistant/Deputy Manager Manager Assistant General Manager
8 Lakhs 15 Lakhs 15 - 25 Lakhs