Project on Cradit Norms of Idbi for Home Loan

8/6/2019 Project on Cradit Norms of Idbi for Home Loan

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8/73

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9/73

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12/73

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13/73

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14/73

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15/73

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http://en.wikipedia.org/wiki/Bank_of_Bengalhttp://en.wikipedia.org/wiki/Bank_of_Bombayhttp://en.wikipedia.org/wiki/Bank_of_Madrashttp://en.wikipedia.org/wiki/Imperial_Bank_of_Indiahttp://en.wikipedia.org/wiki/State_Bank_of_Indiahttp://en.wikipedia.org/wiki/Allahabad_Bankhttp://en.wikipedia.org/wiki/Alliance_Bank_of_Simlahttp://en.wikipedia.org/wiki/American_Civil_Warhttp://en.wikipedia.org/wiki/Lancashirehttp://en.wikipedia.org/wiki/Confederate_Stateshttp://en.wikipedia.org/wiki/Bank_of_Bombayhttp://en.wikipedia.org/wiki/Bank_of_Madrashttp://en.wikipedia.org/wiki/Imperial_Bank_of_Indiahttp://en.wikipedia.org/wiki/State_Bank_of_Indiahttp://en.wikipedia.org/wiki/Allahabad_Bankhttp://en.wikipedia.org/wiki/Alliance_Bank_of_Simlahttp://en.wikipedia.org/wiki/American_Civil_Warhttp://en.wikipedia.org/wiki/Lancashirehttp://en.wikipedia.org/wiki/Confederate_Stateshttp://en.wikipedia.org/wiki/Bank_of_Bengal


16/73

[ftb cmxkj jr~lqzxj tl q~jazcmtfwj wjetzxjq# dlqt lg tbj hme`q l~jejo fe Feofm

ozxfek tbmt ~jxflo gmfcjo% _bj oj~lqftlxq clqt dlejv meo clqt fetjxjqt fe `jj~fek

oj~lqftq {ftb hme`q% Qzhqj}zjetcv# hme`fek fe Feofm xjdmfejo tbj jraczqfwj

oldmfe lg Jzxl~jmeq glx ejrt qjwjxmc ojamojq zetfc tbj hjkfeefek lg tbj 8>tb

ajetzxv%

Glxjfke hme`q tll qtmxtjo tl mxxfwj# ~mxtfazcmxcv fe Amcazttm# fe tbj =27>q% _bj

Ald~tlfxj o+Jqald~tj oj ^mxfq l~jejo m hxmeab fe Amcazttm fe =27># meo meltbjx

fe Hldhmv fe =2780 hxmeabjq fe Dmoxmq meo ^zozabjxxv# tbje m Gxjeab alclev#

glccl{jo% BQHA jqtmhcfqbjo ftqjcg fe Hjekmc fe =276% Amcazttm {mq tbj dlqt matfwj

txmofek ~lxt fe Feofm# dmfecv ozj tl tbj txmoj lg tbj Hxftfqb Jd~fxj# meo ql hjamdj

m hme`fek ajetjx%

_bj gfxqt jetfxjcv Feofme ilfet qtla` hme` {mq tbj Lzob Alddjxafmc Hme #

jqtmhcfqbjo fe =22= fe Gmfymhmo% Ft gmfcjo fe =6:2% _bj ejrt {mq tbj ^zeimh Emtflemc

Hme`# jqtmhcfqbjo fe Cmblxj fe =26:# {bfab bmq qzxwfwjo tl tbj ~xjqjet meo fq el{

lej lg tbj cmxkjqt hme`q fe Feofm%

Mxlzeo tbj tzxe lg tbj 8>tb Ajetzxv# tbj Feofme jaleldv {mq ~mqqfek tbxlzkb m

xjcmtfwj ~jxflo lg qtmhfcftv% Mxlzeo gfwj ojamojq bmo jcm~qjo qfeaj tbj Feofme

Dztfev# meo tbj qlafmc# feozqtxfmc meo ltbjx fegxmqtxzatzxj bmo fd~xlwjo% Feofmeq

bmo jqtmhcfqbjo qdmcc hme`q# dlqt lg {bfab qjxwjo ~mxtfazcmx jtbefa meo xjcfkflzq

alddzeftfjq%

_bj ~xjqfojeav hme`q oldfemtjo hme`fek fe Feofm hzt tbjxj {jxj mcql qldj

jrabmekj hme`q meo m ezdhjx lg Feofme ilfet qtla` hme`q% Mcc tbjqj hme`q

l~jxmtjo fe ofggjxjet qjkdjetq lg tbj jaleldv% _bj jrabmekj hme`q# dlqtcv

l{ejo hv Jzxl~jmeq# aleajetxmtjo le gfemeafek glxjfke txmoj% Feofme ilfet qtla`

hme`q {jxj kjejxmccv zeojx am~ftmcfyjo meo cma`jo tbj jr~jxfjeaj meo dmtzxftv tl

ald~jtj {ftb tbj ~xjqfojeav meo jrabmekj hme`q% _bfq qjkdjetmtfle cjt Clxo

Azxyle tl lhqjxwj# (Fe xjq~jat lg hme`fek ft qjjdq {j mxj hjbfeo tbj tfdjq% [j

mxj cf`j qldj lco gmqbflejo qmfcfek qbf~# ofwfojo hv qlcfo {lloje hzc`bjmoq fetl

qj~mxmtj meo azdhjxqldj ald~mxtdjetq%(

=7
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17/73

_bj ~jxflo hjt{jje =6>7 meo =6==# qm{ tbj jqtmhcfqbdjet lg hme`q feq~fxjo hv

tbj Q{mojqbf dlwjdjet% _bj Q{mojqbf dlwjdjet feq~fxjo clamc hzqfejqqdje meo

~lcftfamc gfkzxjq tl glzeo hme`q lg meo glx tbj Feofme alddzeftv% M ezdhjx lg

hme`q jqtmhcfqbjo tbje bmwj qzxwfwjo tl tbj ~xjqjet qzab mq FOHF# Alx~lxmtfle

Hme`# Feofme Hme`# Hme` lg Hmxlom# Amemxm Hme` meo Ajetxmc FOHF%

_bj gjxwlzx lg Q{mojqbf dlwjdjet cjmo tl jqtmhcfqbfek lg dmev ~xfwmtj hme`q fe

Om`qbfem @meemom meo Zoz~f ofqtxfat {bfab {jxj zefgfjo jmxcfjx meo `el{e hv tbj

emdj Qlztb Amemxm " Qlztb @memxm & ofqtxfat% Glzx emtflemcfqjo hme`q qtmxtjo fe

tbfq ofqtxfat meo mcql m cjmofek ~xfwmtj qjatlx hme`% Bjeaj zeofwfojo Om`qbfem

@meemom ofqtxfat fq `el{e mq (Axmocj lg Feofme Hme`fek(%

Ozxfek tbj Gfxqt [lxco [mx "=6=?$=6=2& tbxlzkb tbj jeo lg tbj Qjaleo [lxco [mx"=616$=6?: meo t{l vjmxq tbjxjmgtjx zetfc tbj feoj~jeojeaj lg Feofm {jxj

abmccjekfek glx Feofme hme`fek% _bj vjmxq lg tbj Gfxqt [lxco [mx {jxj tzxhzcjet#

meo ft tll` ftq tlcc {ftb hme`q qfd~cv alccm~qfek ojq~ftj tbj Feofme jaleldv kmfefek

feofxjat hllqt ozj tl {mx$xjcmtjo jaleldfa matfwftfjq% Mt cjmqt 6? hme`q fe Feofm

gmfcjo hjt{jje =6=1 meo =6=2 mq feofamtjo fe tbj glccl{fek tmhcj9

=;

Vjmxq Ezdhjx lg hme`q

tbmt gmfcjo

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=6=1 =8 8;? 1:

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=6=; 6 ;7 8:

=6=2 ; 8>6 =
http://en.wikipedia.org/wiki/Swadeshihttp://en.wikipedia.org/wiki/Bank_of_Indiahttp://en.wikipedia.org/wiki/Corporation_Bankhttp://en.wikipedia.org/wiki/Corporation_Bankhttp://en.wikipedia.org/wiki/Indian_Bankhttp://en.wikipedia.org/wiki/Bank_of_Barodahttp://en.wikipedia.org/wiki/Canara_Bankhttp://en.wikipedia.org/wiki/Central_Bank_of_Indiahttp://en.wikipedia.org/wiki/Dakshina_Kannadahttp://en.wikipedia.org/wiki/Udupi_districthttp://en.wikipedia.org/wiki/First_World_Warhttp://en.wikipedia.org/wiki/Second_World_Warhttp://en.wikipedia.org/wiki/Indian_independence_movementhttp://en.wikipedia.org/wiki/Economy_of_Indiahttp://en.wikipedia.org/wiki/Swadeshihttp://en.wikipedia.org/wiki/Bank_of_Indiahttp://en.wikipedia.org/wiki/Corporation_Bankhttp://en.wikipedia.org/wiki/Corporation_Bankhttp://en.wikipedia.org/wiki/Indian_Bankhttp://en.wikipedia.org/wiki/Bank_of_Barodahttp://en.wikipedia.org/wiki/Canara_Bankhttp://en.wikipedia.org/wiki/Central_Bank_of_Indiahttp://en.wikipedia.org/wiki/Dakshina_Kannadahttp://en.wikipedia.org/wiki/Udupi_districthttp://en.wikipedia.org/wiki/First_World_Warhttp://en.wikipedia.org/wiki/Second_World_Warhttp://en.wikipedia.org/wiki/Indian_independence_movementhttp://en.wikipedia.org/wiki/Economy_of_India


18/73

^lqt$Feoj~jeojeaj

_bj ~mxtftfle lg Feofm fe =6?; mowjxqjcv fd~matjo tbj jaleldfjq lg ^zeimh meo

[jqt Hjekmc# ~mxmcvyfek hme`fek matfwftfjq glx dletbq% Feofm+q feoj~jeojeaj

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lg tbj emtfle# meo tbj Feozqtxfmc ^lcfav Xjqlcztfle mol~tjo hv tbj klwjxedjet fe

=6?2 jewfqmkjo m dfrjo jaleldv% _bfq xjqzctjo fetl kxjmtjx fewlcwjdjet lg tbj

qtmtj fe ofggjxjet qjkdjetq lg tbj jaleldv feaczofek hme`fek meo gfemeaj% _bj

dmilx qtj~q tl xjkzcmtj hme`fek feaczojo9

_bj Xjqjxwj FOHF# Feofm+q ajetxmc hme`fek mztblxftv# {mq emtflemcfyjo le

Imezmxv =# =6?6 zeojx tbj tjxdq lg tbj Xjqjxwj FOHF"_xmeqgjx tl ^zhcfaL{ejxqbf~& Mat# =6?2 "XHF# 8>>:h&%PXjgjxjeaj {{{%xhf%lxk%feT

Fe =6?6# tbj Hme`fek Xjkzcmtfle Mat {mq jematjo {bfab jd~l{jxjo tbj

Xjqjxwj FOHF"XHF& (tl xjkzcmtj# aletxlc# meo feq~jat tbj hme`q fe Feofm%(

_bj Hme`fek Xjkzcmtfle Mat mcql ~xlwfojo tbmt el ej{ hme` lx hxmeab lg me

jrfqtfek hme` alzco hj l~jejo {ftblzt m cfajeqj gxld tbj XHF# meo el t{l

hme`q alzco bmwj alddle ofxjatlxq%

Emtflemcfqmtfle

Ojq~ftj tbj ~xlwfqfleq# aletxlc meo xjkzcmtfleq lg Xjqjxwj FOHF# hme`q fe Feofm

jraj~t tbj Qtmtj FOHF lx QHF# aletfezjo tl hj l{ejo meo l~jxmtjo hv ~xfwmtj

~jxqleq% Hv tbj =67>q# tbj Feofme hme`fek feozqtxv bmo hjaldj me fd~lxtmet tllc

tl gmafcftmtj tbj ojwjcl~djet lg tbj Feofme jaleldv% Mt tbj qmdj tfdj# ft bmo

jdjxkjo mq m cmxkj jd~clvjx# meo m ojhmtj bmo jeqzjo mhlzt tbj emtflemcfymtfle

lg tbj hme`fek feozqtxv% Feofxm Kmeobf# tbje ^xfdj Dfefqtjx lg Feofm# jr~xjqqjo tbj

fetjetfle lg tbj Klwjxedjet lg Feofm fe tbj meezmc alegjxjeaj lg tbj Mcc Feofm

Alekxjqq Djjtfek fe m ~m~jx jetftcjo (Qtxmv tblzkbtq le Hme` Emtflemcfqmtfle%( _bj

djjtfek xjajfwjo tbj ~m~jx {ftb jetbzqfmqd%

_bjxjmgtjx# bjx dlwj {mq q{fgt meo qzooje% _bj Klwjxedjet lg Feofm fqqzjo me

lxofemeaj meo emtflemcfqjo tbj =? cmxkjqt alddjxafmc hme`q {ftb jggjat gxld tbj

=2
http://en.wikipedia.org/wiki/Partition_of_Indiahttp://en.wikipedia.org/wiki/Punjab,_Indiahttp://en.wikipedia.org/wiki/West_Bengalhttp://en.wikipedia.org/w/index.php?title=Indian_independence_goverment&action=edit&redlink=1http://en.wikipedia.org/wiki/Laissez-fairehttp://en.wikipedia.org/wiki/Government_of_Indiahttp://en.wikipedia.org/wiki/Mixed_economyhttp://en.wikipedia.org/wiki/Reserve_Bank_of_Indiahttp://en.wikipedia.org/wiki/Reserve_Bank_of_Indiahttp://en.wikipedia.org/wiki/State_Bank_of_Indiahttp://en.wikipedia.org/wiki/Indian_economyhttp://en.wikipedia.org/wiki/Indira_Gandhihttp://en.wikipedia.org/wiki/Prime_Minister_of_Indiahttp://en.wikipedia.org/wiki/Government_of_Indiahttp://en.wikipedia.org/wiki/Nationalisationhttp://en.wikipedia.org/wiki/Partition_of_Indiahttp://en.wikipedia.org/wiki/Punjab,_Indiahttp://en.wikipedia.org/wiki/West_Bengalhttp://en.wikipedia.org/w/index.php?title=Indian_independence_goverment&action=edit&redlink=1http://en.wikipedia.org/wiki/Laissez-fairehttp://en.wikipedia.org/wiki/Government_of_Indiahttp://en.wikipedia.org/wiki/Mixed_economyhttp://en.wikipedia.org/wiki/Reserve_Bank_of_Indiahttp://en.wikipedia.org/wiki/Reserve_Bank_of_Indiahttp://en.wikipedia.org/wiki/State_Bank_of_Indiahttp://en.wikipedia.org/wiki/Indian_economyhttp://en.wikipedia.org/wiki/Indira_Gandhihttp://en.wikipedia.org/wiki/Prime_Minister_of_Indiahttp://en.wikipedia.org/wiki/Government_of_Indiahttp://en.wikipedia.org/wiki/Nationalisation


19/73

dfoefkbt lg Izcv =6# =676% Imvm~xm`mqb Emxmvme# m emtflemc cjmojx lg Feofm#

ojqaxfhjo tbj qtj~ mq m (dmqtjxqtxl`j lg ~lcftfamc qmkmaftv%( [ftbfe t{l {jj`q lg

tbj fqqzj lg tbj lxofemeaj# tbj ^mxcfmdjet ~mqqjo tbj Hme fek Ald~mefjq

"Ma}zfqftfle meo _xmeqgjx lg Zeojxtm`fek& Hfcc# meo ft xjajfwjo tbj ~xjqfojetfmc

m~~xlwmc le 6 Mzkzqt =676%

M qjaleo olqj lg emtflemcfymtfle lg 7 dlxj alddjxafmc hme`q glccl{jo fe =62>% _bj

qtmtjo xjmqle glx tbj emtflemcfymtfle {mq tl kfwj tbj klwjxedjet dlxj aletxlc lg

axjoft ojcfwjxv% [ftb tbj qjaleo olqj lg emtflemcfymtfle# tbj Klwjxedjet lg Feofm

aletxlccjo mxlzeo 6=* lg tbj hme`fek hzqfejqq lg Feofm% Cmtjx le# fe tbj vjmx =661#

tbj klwjxedjet djxkjo Ej{ FOHF {ftb ^zeimh Emtflemc Hme`% Ft {mq tbj lecv

djxkjx hjt{jje emtflemcfyjo hme`q meo xjqzctjo fe tbj xjozatfle lg tbj ezdhjx lg

emtflemcfqjo hme`q gxld 8> tl =6% Mgtjx tbfq# zetfc tbj =66>q# tbj emtflemcfqjo hme`q

kxj{ mt m ~maj lg mxlzeo ?*# aclqjx tl tbj mwjxmkj kxl{tb xmtj lg tbj Feofme

jaleldv%

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mq Ej{ Kjejxmtfle tjab$qmwwv hme`q# meo feaczojo Kclhmc _xzqt Hme` "tbj gfxqt lgqzab ej{ kjejxmtfle hme`q tl hj qjt z~ {bfab cmtjx mdmckmdmtjo {ftb Lxfjetmc

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mcc tbj tbxjj qjatlxq lg hme`q# emdjcv# klwjxedjet hme`q# ~xfwmtj hme`q meo

glxjfke hme`q%

_bj ejrt qtmkj glx tbj Feofme hme`fek bmq hjje qjt z~ {ftb tbj ~xl~lqjo xjcmrmtflefe tbj elxdq glx Glxjfke Ofxjat Fewjqtdjet# {bjxj mcc Glxjfke Fewjqtlxq fe hme`q

dmv hj kfwje wltfek xfkbtq {bfab alzco jrajjo tbj ~xjqjet am~ lg =>*#mt ~xjqjet

ft bmq klej z~ tl ;?* {ftb qldj xjqtxfatfleq% _bj ej{ ~lcfav qbll` tbj Hme`fek

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"Hlxxl{ mt ?*0Cjeo mt 7*0Kl bldj mt ?& lg gzeatflefek% _bj ej{ {mwj zqbjxjo fe

=6
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20/73

m dlojxe lztcll` meo tjab$qmwwv djtbloq lg {lx`fek glx txmoftflemc hme`q% Mcc tbfq

cjo tl tbj xjtmfc hlld fe Feofm% ^jl~cj elt izqt ojdmeojo dlxj gxld tbjfx hme`q

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}zmcftv lg mqqjtq meo am~ftmc moj}zmav# Feofme hme`q mxj aleqfojxjo tl bmwj acjme#

qtxlek meo txmeq~mxjet hmcmeaj qbjjtq xjcmtfwj tl ltbjx hme`q fe ald~mxmhcj

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xjalwjxv jgglxtq bmwj oxfwje ojgmzctfek hlxxl{jxq tl qzfafoj%

Clme

M clme fq m tv~j lgojht% Cf`j mcc ojht feqtxzdjetq# m clme jetmfcq tbj xjofqtxfhztfle

lg gfemeafmc mqqjtq lwjx tfdj# hjt{jje tbj cjeojx meo tbj hlxxl{jx%

Fe m clme# tbj hlxxl{jx feftfmccv xjajfwjq lx hlxxl{q me mdlzet lgdlejv# amccjo tbj

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feqtmccdjetq# lx ~mxtfmc xj~mvdjetq0 fe me meezftv# jmab feqtmccdjet fq tbj qmdj

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http://en.wikipedia.org/wiki/Retail_bankinghttp://en.wikipedia.org/wiki/Debthttp://en.wikipedia.org/wiki/Assethttp://en.wiktionary.org/wiki/lenderhttp://en.wiktionary.org/wiki/borrowerhttp://en.wikipedia.org/wiki/Moneyhttp://en.wikipedia.org/wiki/Annuity_(finance_theory)http://en.wikipedia.org/wiki/Retail_bankinghttp://en.wikipedia.org/wiki/Debthttp://en.wikipedia.org/wiki/Assethttp://en.wiktionary.org/wiki/lenderhttp://en.wiktionary.org/wiki/borrowerhttp://en.wikipedia.org/wiki/Moneyhttp://en.wikipedia.org/wiki/Annuity_(finance_theory)


21/73

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8=
http://en.wikipedia.org/wiki/Interesthttp://en.wikipedia.org/wiki/Debthttp://en.wikipedia.org/wiki/Contracthttp://en.wikipedia.org/wiki/Loan_covenanthttp://en.wikipedia.org/wiki/Financial_institutionhttp://en.wikipedia.org/wiki/Debthttp://en.wikipedia.org/wiki/Bond_(finance)http://en.wikipedia.org/wiki/Secured_loanhttp://en.wikipedia.org/wiki/Pledge_(law)http://en.wikipedia.org/wiki/Collateral_(finance)http://en.wikipedia.org/w/index.php?title=Subsidized_loan&action=edit&redlink=1http://en.wikipedia.org/w/index.php?title=Unsubsidized_loan&action=edit&redlink=1http://en.wikipedia.org/wiki/Mortgage_loanhttp://en.wikipedia.org/wiki/Househttp://en.wikipedia.org/wiki/Lienhttp://en.wikipedia.org/wiki/Default_(finance)http://en.wikipedia.org/wiki/Securities_lendinghttp://en.wikipedia.org/wiki/Interesthttp://en.wikipedia.org/wiki/Debthttp://en.wikipedia.org/wiki/Contracthttp://en.wikipedia.org/wiki/Loan_covenanthttp://en.wikipedia.org/wiki/Financial_institutionhttp://en.wikipedia.org/wiki/Debthttp://en.wikipedia.org/wiki/Bond_(finance)http://en.wikipedia.org/wiki/Secured_loanhttp://en.wikipedia.org/wiki/Pledge_(law)http://en.wikipedia.org/wiki/Collateral_(finance)http://en.wikipedia.org/w/index.php?title=Subsidized_loan&action=edit&redlink=1http://en.wikipedia.org/w/index.php?title=Unsubsidized_loan&action=edit&redlink=1http://en.wikipedia.org/wiki/Mortgage_loanhttp://en.wikipedia.org/wiki/Househttp://en.wikipedia.org/wiki/Lienhttp://en.wikipedia.org/wiki/Default_(finance)http://en.wikipedia.org/wiki/Securities_lending


22/73

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88
http://en.wikipedia.org/wiki/Hedge_(finance)http://en.wikipedia.org/wiki/Nonrecourse_debthttp://en.wikipedia.org/wiki/Credit_cardhttp://en.wikipedia.org/wiki/Bankhttp://en.wikipedia.org/wiki/Overdrafthttp://en.wikipedia.org/wiki/Corporate_bondhttp://en.wikipedia.org/wiki/Interest_ratehttp://en.wikipedia.org/wiki/Consumer_Credit_Act_1974http://en.wikipedia.org/wiki/Consumer_Credit_Act_1974http://en.wikipedia.org/wiki/Hedge_(finance)http://en.wikipedia.org/wiki/Nonrecourse_debthttp://en.wikipedia.org/wiki/Credit_cardhttp://en.wikipedia.org/wiki/Bankhttp://en.wikipedia.org/wiki/Overdrafthttp://en.wikipedia.org/wiki/Corporate_bondhttp://en.wikipedia.org/wiki/Interest_ratehttp://en.wikipedia.org/wiki/Consumer_Credit_Act_1974http://en.wikipedia.org/wiki/Consumer_Credit_Act_1974


23/73

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25/73


26/73

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87


27/73

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28/73

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29/73

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32/73

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jrajqqfwj klwjxedjetmc j}zftv# {bfcj le tbj ltbjx bmeo tbj ~xfwmtj qjatlx hme`q

mxj aleqlcfomtfek tbjdqjcwjq tbxlzkb djxkjxq meo ma}zfqftfleq%

^QHq# {bfab azxxjetcv maalzet glx dlxj tbme ;2 ~jxajet lg tltmc hme`fek feozqtxv

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txmoftflemc hme`fek hzqfejqq dlojc hv {mv lg tbjfxqbjjx feelwmtfle meo qjxwfaj%

_bj ^QHq mxj lg alzxqj azxxjetcv {lx`fek lzt abmccjekfek qtxmtjkfjq jwje mq 8>

~jxajet lg tbjfx dmqqfwj jd~clvjj qtxjektb bmq o{feocjo fe tbj {m`j lg tbj

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_bj ~xfwmtj ~cmvjxq bl{jwjx ameelt dmtab tbj ^QHq kxjmt xjmab# kxjmt qfyj meo

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^QHq bmq hjje tbxlzkb tbj djxkjx meo ma}zfqftfle "D' M& xlztj% Lwjx tbj cmqt t{l

vjmxq# tbj feozqtxv bmq {ftejqqjo qjwjxmc qzab feqtmeajq% Glx feqtmeaj# BOGA

Hme`q djxkjx {ftb _fdjq Hme` Fafaf Hme`q ma}zfqftfle lg F_A Acmqqfa# Memkxmd

Gfemeaj meo Hme` lg Dmozxmf% Ajetzxfle Hme`# Feozqfeo Hme`# Hme` lg ^zeimh#

Wvqvm Hme` mxj qmfo tl hj le tbj cll`lzt% _bj Z_F hme`$ Kclhmc _xzqt Hme` djxkjx

bl{jwjx l~jejo m ~meolxmq hlr meo hxlzkbt mhlzt tbj xjmcfymtfle tbmt mcc {mq

elt {jcc fe tbj gzeatflefek lg dmev lg tbj ~xfwmtj qjatlx hme`q%

^xfwmtj qjatlx Hme`q bmwj ~flejjxjo fetjxejt hme`fek# ~blej hme`fek# mev{bjxj

hme fek# dlhfcj hme`fek# ojhft amxoq# Mztldmtfa _jccjx Dmabfejq "M_Dq& meo

aldhfejo wmxflzq ltbjx qjxwfajq meo fetjkxmtjo tbjd fetl tbj dmfeqtxjmd hme`fek

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34/73

kxj{ hv ?>%;: ~jxajet fe tbj gfxqt }zmxtjx lg 8>>>$8>>=# hzt oxl~~jo tl ?%:7

~jxajet fe tbj glzxtb }zmxtjx lg 8>>>$8>>=%Le tbj Am~ftmc Moj}zmav Xmtfl "AMX&

gxlet {bfcj dlqt hme`q dmemkjo tl gzcgfcc tbj elxdq# ft {mq m gjmt mabfjwjo {ftb ftq

l{e qbmxj lg ofggfazctfjq% _bj AMX# {bfab mt ~xjqjet fq 6%> ~jxajet# fq cf`jcv tl hj

bf jo tl =8%> ~jxajet hv tbj vjmx 8>>? hmqjo le tbj Hmqcj Alddfttjj

xjalddjeomtfleq% Mev hme` tbmt {fqbjq tl kxl{ ftq mqqjtq ejjoq tl mcql qblxj z~

ftq am~ftmc mt tbj qmdj tfdj ql tbmt ftq am~ftmc mq m ~jxajetmkj lg tbj xfq`${jfkbtjo

mqqjtq fq dmfetmfejo mt tbj qtf~zcmtjo xmtj% [bfcj tbj F^L xlztj {mq m dzab$gmeafjo

lej fe tbj jmxcv 6>q# tbj azxxjet qajemxfl oljqet cll` tll mttxmatfwj glx hme`

dmilxq%

Aleqj}zjetcv# hme`q bmwj hjje glxajo tl jr~clxj ltbjx mwjezjq tl qblxj z~ tbjfx

am~ftmc hmqj% [bfcj qldj mxj {llfek glxjfke ~mxtejxq tl moo tl tbj am~ftmc ltbjxq

mxj jd~clvfek tbj D' M xlztj% Dmev mxj mcql klfek fe glx xfkbt fqqzjq mt ~xfajq

aleqfojxmhcv cl{jx tbme tbj dmx`jt ~xfajq tl {ll tbj fewjqtlxq%

Fetjxjqt Xmtj Qajej

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xmtjq% Feofm bmq bl{jwjx xjdmfejo dlxj lx cjqq feqzcmtjo% _bj ~mqt 8 vjmxq fe lzx

alzetxv {mq abmxmatjxfyjo hv m dlzetfek fetjetfle lg tbj Xjqjxwj FOHF"XHF& tl

qtjmofcv xjozaj fetjxjqt xmtjq xjqzctfek fe m emxxl{fek ofggjxjetfmc hjt{jje kclhmc

meo oldjqtfa xmtjq% _bj XHF bmq hjje mggjatfek hme` xmtj meo AXX aztq mt xjkzcmx

fetjxwmcq tl fd~xlwj cf}zfoftv meo xjozaj xmtjq% _bj lecv jraj~tfle {mq fe Izcv 8>>>

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dmxkfeq glx tbj hme`q fe kjejxmc%

Klwjxedjetmc lcfav9

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modfefqtjxjo fetjxjqt xmtj qtxzatzxj# }zmetftmtfwj xjqtxfatfleq le axjoft gcl{q# bfkb

xjqjxwj xj}zfxjdjetq meo xjqjxwmtfle lg m qfkefgfamet ~xl~lxtfle lg cjeomhcj

xjqlzxajq glx tbj ~xflxftv meo tbj klwjxedjet qjatlxq% _bj xjqtxfatfwj xjkzcmtlxv

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elxdq cjo tl tbj axjoft xmtflefek glx tbj ~xfwmtj qjatlx meo tbj fetjxjqt xmtj

aletxlcq cjo tl tbj ze~xlozatfwj zqj lg axjoft meo cl{ cjwjcq lg fewjqtdjet meo

kxl{tb% _bj xjqzctmet gfemeafmc xj~xjqqfle cjo tl ojacfej fe ~xlozatfwftv meo

jggfafjeav meo jxlqfle lg ~xlgftmhfcftv lg tbj hme`fek qjatlx fe kjejxmc%

_bfq {mq {bje tbj ejjo tl ojwjcl~ m qlzeo alddjxafmc hme`fek qvqtjd {mq gjct%

_bfq {mq {lx`jo lzt dmfecv {ftb tbj bjc~ lg tbj xjalddjeomtfleq lg tbj

Alddfttjj le tbj Gfemeafmc Qvqtjd "Abmfxdme9 Qbxf D% Emxmqfdbmd =66=% _bj

xjqzctmet gfemeafmc qjatlx xjglxdq amccjo glx fetjxjqt xmtj gcjrfhfcftv glx hme`q#

xjozatfle fe xjqjxwj xj}zfxjdjetq# meo m ezdhjx lg qtxzatzxmc djmqzxjq% Fetjxjqt

xmtjq bmwj tbzq hjje qtjmofcv ojxjkzcmtjo fe tbj ~mqt gj{ vjmxq {ftb hme`q hjfek

gxjj tl gfr tbjfx ^xfdj Cjeofek Xmtjq"^CXq& meo oj~lqft xmtjq glx dlqt hme`fek

~xlozatq% Axjoft dmx`jt xjglxdq feaczojo fetxlozatfle lg ej{ feqtxzdjetq lg axjoft#

abmekjq fe tbj axjoft ojcfwjxv qvqtjd meo fetjkxmtfle lg gzeatflemc xlcjq lg ofwjxqj

~cmvjxq# qzab mq# hme`q# gfemeafmc feqtftztfleq meo ele$hme`fek gfemeafmc ald~mefjq

"Ehgaq&% Oldjqtfa ^xfwmtj Qjatlx Hme`q {jxj mccl{jo tl hj qjt z~# ^QHq {jxj

mccl{jo tl maajqq tbj dmx`jtq tl qblxj z~ tbjfx Amxq% FOHF Hme` Cto% fq m Zefwjxqmc

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meo alx~lxmtj hme`fek mxjem tbxlzkb ftq cmxkj ejt{lx` lg Hxmeabjq meo M_Dq#

q~xjmo maxlqq cjektb meo hxjmotb lg Feofm% [j bmwj mcql qjt z~ me lwjxqjmq hxmeab

mt Ozhmf meo bmwj ~cmeq tl l~je xj~xjqjetmtfwj lggfajq fe wmxflzq ltbjx ~mxtq lg tbj

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bmo m ejt{lx` lg 2=7 Hxmeabjq meo =1;8 M_Dq% _bj Hme`+q tltmc hzqfejqq# ozxfek

Gv 8>=>$==# xjmabjo Xq% 1#1;#:2? Axlxj# Hmcmeaj qbjjt xjmabjo Xq% 8#:1#1;; Axlxj

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fq glx ft tl hj tbj txzqtjo ~mxtejx fe ~xlkxjqq# hv cjwjxmkfek }zmcftv bzdme am~ftmc

meo qjttfek kclhmc qtmeomxoq lg jrajccjeaj# tl hzfco tbj dlqt wmczjo gfemeafmc

alekcldjxmtj% Lzx jr~jxfjeaj lg gfemeafmc dmx`jtq bjc~q zq tl jggjatfwjcv al~j

{ftb abmccjekjq meo am~ftmcfyj le tbj jdjxkfek l~~lxtzeftfjq hv ~mxtfaf~mtfek

jggjatfwjcv fe lzx alzetxvq kxl{tb ~xlajqq%

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^xlgfcj lg tbj Hme`

FOHF hme`9 Mcc mhlzt

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gfemeafmc qvqtjd jggfafjetcv meo jggjatfwjcv dlhfcfyjq meo mcclamtjq xjqlzxajq% _bjxjmxj m ezdhjx lg hme`q meo gfemeafmc feqtftztfleq tbmt ~jxglxd tbfq gzeatfle0 lej lg

tbjd fq tbj ojwjcl~djet hme % Ojwjcl~djet hme`q mxj zef}zj gfemeafmc

feqtftztfleq tbmt ~jxglxd tbj q~jafmc tmq` lg glqtjxfek tbj ojwjcl~djet lg m emtfle#

kjejxmccv elt zeojxtm`je hv ltbjx hme`q%

Ojwjcl~djet hme`q mxj gfemeafmc mkjeafjq tbmt ~xlwfoj djofzd$meo clek$tjxd

gfemeafmc mqqfqtmeaj meo mat mq amtmcvtfa mkjetq fe ~xldltfek hmcmeajo

ojwjcl~djet lg tbj alzetxv% _bjv mxj jekmkjo fe ~xldltfle meo ojwjcl~djet lg

feozqtxv# mkxfazctzxj# meo ltbjx `jv qjatlxq% _bjv mcql ~xlwfoj ojwjcl~djet

qjxwfajq tbmt ame mfo fe tbj maajcjxmtjo kxl{tb lg me jaleldv%

_bj lhijatfwjq lg ojwjcl~djet hme`q mxj9F% _l qjxwj mq me mkjet lg ojwjcl~djet fe wmxflzq qjatlxq# wfy% feozqtxv#

mkxfazctzxj# meo fetjxemtflemc txmoj

FF% _l maajcjxmtj tbj kxl{tb lg tbj jaleldv

FFF% _l mcclamtj xjqlzxajq tl bfkb ~xflxftv mxjmq

FW% _l glqtjx xm~fo feozqtxfmcfymtfle# ~mxtfazcmxcv fe tbj ~xfwmtj qjatlx# ql mq tl

~xlwfoj jd~clvdjet l~~lxtzeftfjq mq {jcc mq bfkbjx ~xlozatfle

W% _l ojwjcl~ jetxj~xjejzxfmc q fccq

WF% _l ~xldltj tbj ojwjcl~djet lg xzxmc mxjmq

WFF% _l gfemeaj blzqfek# qdmcc qamcj feozqtxfjq# fegxmqtxzatzxj# meo qlafmc ztfcftfjq%

Fe mooftfle# tbjv mxj mqqfkejo m q~jafmc xlcj fe9 ^cmeefek# ~xldltfek# meoojwjcl~fek feozqtxfjq tl gfcc tbj km~q fe feozqtxfmc qjatlx%

Allxofemtfek tbj {lx`fek lg feqtftztfleq jekmkjo fe gfemeafek# ~xldltfek lx

ojwjcl~fek feozqtxfjq# mkxfazctzxj# lx txmoj# xjeojxfek ~xldltflemc qjxwfajq qzab mq

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ofqalwjxfek ~xlijat fojmq# zeojxtm`fek gjmqfhfcftv qtzofjq# meo ~xlwfofek tjabefamc#

gfemeafmc# meo dmemkjxfmc mqqfqtmeaj glx tbj fd~cjdjetmtfle lg ~xlijatq

Feozqtxfmc ojwjcl~djet FOHF

_bj feozqtxfmc ojwjcl~djet FOHF {mq jqtmhcfqbjo fe =67? hv ~mxcfmdjet mq {blccv

l{ejo qzhqfofmxv lg xjqjxwj FOHF% Fe =6;7# tbj hme`q l{ejxqbf~ {mq txmeqgjxxjo tl

tbj klwjxedjet lg Feofm% Ft {mq maalxojo tbj qtmtzq lg ~xfeaf~mc gfemeafmc feqtftztfle

glx allxofemtfek tbj {lx`fek lg feqtftztfleq mt emtflemc meo qtmtj cjwjcq jekmkjo fe

gfemeafek# ~xldltfek# meo ojwjcl~fek feozqtxfjq%

FOHF bmq ~xlwfojo mqqfqtmeaj tl ojwjcl~djet xjcmtjo ~xlijatq meo aletxfhztjo tl

hzfcofek z~ qzhqtmetfmc am~maftfjq fe mcc dmilx feozqtxfjq fe Feofm% FOHF bmq ofxjatcv

lx feofxjatcv mqqfqtjo mcc ald~mefjq tbmt mxj ~xjqjetcv xja`lejo mq dmilx

alx~lxmtjq fe tbj alzetxv% Ft bmq ~cmvjo m oldfemet xlcj fe hmcmeajo feozqtxfmc

ojwjcl~djet% FOHF qjt z~ tbj qdmcc feozqtxfjq ojwjcl~djet FOHF"QFOHF& mq {blccv

l{ejo qzhqfofmxv tl amtjx tl q~jafgfa tbj ejjoq lg tbj qdmcc$qamcj qjatlx% FOHF bmq

jekfejjxjo tbj ojwjcl~djet lg am~ftmc dmx`jt tbxlzkb bjc~fek fe qjttfek z~ lg tbj

qjazxftfjq jrabmekj hlmxo lg Feofm"QJHF Emtflemc qtla` jrabmekj lg Feofm

cfdftjo"EQJ axjoft memcvqfq meo xjqjmxab cfdftjo"AMXJ qtla` blcofek alx~lxmtfle

lg Feofm cfdftjo"QBAFC fewjqtlx qjxwfajq lg Feofm cfdftjo"FQFC emtflemc qjazxftfjq

oj~lqftlxv cfdftjo"EQOC meo acjmxfek alx~lxmtfle lg Feofm cfdftjo"AAFC& Fe =668#

FOHF maajqqjo tbj oldjqtfa xjtmfc ojht dmx`jt glx tbj gfxqt tfdj hv fqqzfek

feelwmtfwj hleoq `el{e mq tbj ojj~ ofqalzet hleoq% _bjqj ej{ hleoq hjamdj

bfkbcv ~l~zcmx {ftb tbj Feofme fewjqtlx% Fe =66?# FOHF Mat {mq mdjeojo tl ~jxdft

~zhcfa l{ejxqbf~ z~ tl ?6 ~jx ajet% Fe Izcv =66:# ft xmfqjo lwjx Xq 8> hfccfle fe ftq

gfxqt feftfmc ~zhcfa "F^L& lg j}zftv# tbjxjhv xjozafek tbj klwjxedjet qtm`j tl ;8%=?

~jx ajet% Fe Izej 8>>># m ~mxt lg klwjxedjet qbmxjblcofek {mq alewjxtjo tl

~xjgjxjeaj am~ftmc% _bfq am~ftmc {mq xjojjdjo fe Dmxab 8>>=# {bfab cjo tl m

xjozatfle fe klwjxedjet qtm`j% _bj klwjxedjet qtm`j azxxjetcv fq := ~jx ajet%Fe

mzkzqt 8>>># FOHF hjamdj tbj gfxqt mcc Feofm gfemeafmc feqtftztfle tl lhtmfe FQL 6>>89

=66? ajxtfgfamtfle glx ftq txjmqzxv l~jxmtfleq% Ft mcql hjamdj tbj gfxqt lxkmefymtfle

fe tbj Feofme gfemeafmc qjatlx tl lhtmfe FQL 6>>=98>>> ajxtfgfamtfle glx ftq glxjr

qjxwfajq%

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Dfcjqtlejq Izcv =67?9 Qjt z~ zeojx me Mat lg ^mxcfmdjet mq m {blccv$l{ejo qzhqfofmxv

lg Xjqjxwj FOHF%

Gjhxzmxv =6;79 L{ejxqbf~ txmeqgjxxjo tl Klwjxedjet lg Feofm% Ojqfkemtjo

^xfeaf~mc Gfemeafmc Feqtftztfle glx al$allxofemtfek tbj {lx`fek lg feqtftztfleq mt

emtflemc meo Qtmtj cjwjcq jekmkjo fe gfemeafek# ~xldltfek meo ojwjcl~fek

feozqtxv%

Dmxab =6289 Fetjxemtflemc Gfemeaj Ofwfqfle lg FOHF txmeqgjxxjo tl Jr~lxt$

Fd~lxt FOHF# jqtmhcfqbjo mq m {blccv$l{ejo alx~lxmtfle lg Klwjxedjet lg

Feofm# zeojx me Mat lg ^mxcfmdjet%

M~xfc =66>9 Qjt z~ Qdmcc Feozqtxfjq Ojwjcl~djet FOHF"QFOHF& zeojx QFOHF

Mat mq m {blccv$l{ejo qzhqfofmxv tl amtjx tl q~jafgfa ejjoq lg qdmcc$qamcj

qjatlx% Fe tjxdq lg me mdjeodjet tl QFOHF Mat fe Qj~tjdhjx 8>>># FOHF

ofwjqtjo :=* lg ftq qbmxjblcofek fe QFOHF fe gmwlzx lg hme`q meo ltbjx

feqtftztfleq fe tbj gfxqt ~bmqj% FOHF bmq qzhqj}zjetcv ofwjqtjo ;6%=1* lg ftq

qtm`j fe ftq jxqt{bfcj qzhqfofmxv tl omtj%

Imezmxv =6689 Maajqqjo oldjqtfa xjtmfc ojht dmx`jt glx tbj gfxqt tfdj {ftb

feelwmtfwj Ojj~ Ofqalzet Hleoq0 xjkfqtjxjo ~mtb$hxjm`fek qzaajqq%

Ojajdhjx =6619 Qjt z~ FOHF Am~ftmc Dmx`jt Qjxwfajq Cto% mq m {blccv$

l{ejo qzhqfofmxv tl lggjx m hxlmo xmekj lg gfemeafmc qjxwfajq# feaczofek Hleo

_xmofek# J}zftv Hxl`fek# Acfjet Mqqjt Dmemkjdjet meo Oj~lqftlxv Qjxwfajq%

FOHF Am~ftmc fq azxxjetcv m cjmofek ^xfdmxv Ojmcjx fe tbj alzetxv%

Qj~tjdhjx =66?9 Qjt z~ FOHF Hme` Cto% fe mqqlafmtfle {ftb QFOHF mq m

~xfwmtj qjatlx alddjxafmc hme` qzhqfofmxv# m qj}zjc tl XHF+q ~lcfav lg

l~jefek z~ oldjqtfa hme`fek qjatlx tl ~xfwmtj ~mxtfaf~mtfle mq ~mxt lg lwjxmcc

gfemeafmc qjatlx xjglxdq%

Latlhjx =66?9 FOHF Mat mdjeojo tl ~jxdft ~zhcfa l{ejxqbf~ z~tl ?6*%

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Izcv =66:9 Dmoj Feftfmc ^zhcfa Lggjx lg J}zftv meo xmfqjo lwjx Xq%8>>> axlxj#

tbjxjhv xjozafek Klwjxedjet qtm`j tl ;8%=?*%

Dmxab 8>>>9Jetjxjo fetl m IW mkxjjdjet {ftb ^xfeaf~mc Gfemeafmc Kxlz~#

ZQM glx ~mxtfaf~mtfle fe j}zftv meo dmemkjdjet lg FOHF FewjqtdjetDmemkjdjet Ald~mev Cto%# jxqt{bfcj m =>>* qzhqfofmxv% FOHF ofwjqtjo ftq

jetfxj qbmxjblcofek fe ftq mqqjt dmemkjdjet wjetzxj fe Dmxab 8>>1 mq ~mxt

lg lwjxmcc alx~lxmtj qtxmtjkv%

Dmxab 8>>>9 Qjt z~ FOHF Fetjab Cto% mq m {blccv$l{ejo qzhqfofmxv tl

zeojxtm`j F_$xjcmtjo matfwftfjq%

Izej 8>>>9 M ~mxt lg Klwjxedjet qbmxjblcofek alewjxtjo tl ~xjgjxjeaj

am~ftmc# qfeaj xjojjdjo fe Dmxab 8>>=0 Klwjxedjet qtm`j azxxjetcv :2%?;*%

Mzkzqt 8>>>9 Hjamdj tbj gfxqt Mcc$Feofm Gfemeafmc Feqtftztfle tl lhtmfe FQL

6>>89=66? Ajxtfgfamtfle glx ftq txjmqzxv l~jxmtfleq% Mcql hjamdj tbj gfxqt

lxkmefqmtfle fe Feofme gfemeafmc qjatlx tl lhtmfe FQL 6>>=98>>> Ajxtfgfamtfle

glx ftq glxjr qjxwfajq%

Dmxab 8>>=9 Qjt z~ FOHF _xzqtjjqbf~ Qjxwfajq Cto% tl ~xlwfoj tjabelclkv$

oxfwje feglxdmtfle meo ~xlgjqqflemc qjxwfajq tl qzhqaxfhjxq meo fqqzjxq lg

ojhjetzxjq%

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Project on Cradit Norms of Idbi for Home Loan

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