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8/6/2019 Project on Cradit Norms of Idbi for Home Loan
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8/6/2019 Project on Cradit Norms of Idbi for Home Loan
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8/6/2019 Project on Cradit Norms of Idbi for Home Loan
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;
8/6/2019 Project on Cradit Norms of Idbi for Home Loan
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8/6/2019 Project on Cradit Norms of Idbi for Home Loan
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8/6/2019 Project on Cradit Norms of Idbi for Home Loan
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8/6/2019 Project on Cradit Norms of Idbi for Home Loan
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8/6/2019 Project on Cradit Norms of Idbi for Home Loan
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8/6/2019 Project on Cradit Norms of Idbi for Home Loan
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8/6/2019 Project on Cradit Norms of Idbi for Home Loan
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8/6/2019 Project on Cradit Norms of Idbi for Home Loan
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qzxwfwjo zetfc =6=1# {bje ft gmfcjo# {ftb qldj lg ftq mqqjtq meo cfmhfcftfjq hjfek
txmeqgjxxjo tl tbj Mccfmeaj Hme` lg Qfdcm%
[bje tbj Mdjxfame Afwfc [mx qtl~~jo tbj qz~~cv lg alttle tl Cmeamqbfxj gxld tbj
Alegjojxmtj Qtmtjq# ~xldltjxq l~jejo hme`q tl gfemeaj txmofek fe Feofme alttle%
=:
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_Bengal8/6/2019 Project on Cradit Norms of Idbi for Home Loan
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
http://en.wikipedia.org/wiki/Kolkatahttp://en.wikipedia.org/w/index.php?title=Comptoire_d%27Escompte_de_Paris&action=edit&redlink=1http://en.wikipedia.org/wiki/Mumbaihttp://en.wikipedia.org/wiki/Chennaihttp://en.wikipedia.org/wiki/Pondicherryhttp://en.wikipedia.org/wiki/HSBChttp://en.wikipedia.org/wiki/Bengalhttp://en.wikipedia.org/wiki/British_Rajhttp://en.wikipedia.org/wiki/Faizabadhttp://en.wikipedia.org/wiki/Punjab_National_Bankhttp://en.wikipedia.org/wiki/Punjab_National_Bankhttp://en.wikipedia.org/wiki/Lahorehttp://en.wikipedia.org/wiki/Indian_rebellion_of_1857http://en.wikipedia.org/wiki/Indian_rebellion_of_1857http://en.wikipedia.org/wiki/Joint_stock_companyhttp://en.wikipedia.org/wiki/Kolkatahttp://en.wikipedia.org/w/index.php?title=Comptoire_d%27Escompte_de_Paris&action=edit&redlink=1http://en.wikipedia.org/wiki/Mumbaihttp://en.wikipedia.org/wiki/Chennaihttp://en.wikipedia.org/wiki/Pondicherryhttp://en.wikipedia.org/wiki/HSBChttp://en.wikipedia.org/wiki/Bengalhttp://en.wikipedia.org/wiki/British_Rajhttp://en.wikipedia.org/wiki/Faizabadhttp://en.wikipedia.org/wiki/Punjab_National_Bankhttp://en.wikipedia.org/wiki/Punjab_National_Bankhttp://en.wikipedia.org/wiki/Lahorehttp://en.wikipedia.org/wiki/Indian_rebellion_of_1857http://en.wikipedia.org/wiki/Indian_rebellion_of_1857http://en.wikipedia.org/wiki/Joint_stock_company8/6/2019 Project on Cradit Norms of Idbi for Home Loan
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$xjcmtjo jaleldfa matfwftfjq% Mt cjmqt 6? hme`q fe Feofm
gmfcjo hjt{jje =6=1 meo =6=2 mq feofamtjo fe tbj glccl{fek tmhcj9
=;
Vjmxq Ezdhjx lg hme`q
tbmt gmfcjo
Mztblxfqjo am~ftmc
"Xq% Cm`bq&
^mfo$z~ Am~ftmc
"Xq% Cm`bq&
=6=1 =8 8;? 1:
=6=: == :7 :
=6=7 =1 81= ?
=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_India8/6/2019 Project on Cradit Norms of Idbi for Home Loan
18/73
^lqt$Feoj~jeojeaj
_bj ~mxtftfle lg Feofm fe =6?; mowjxqjcv fd~matjo tbj jaleldfjq lg ^zeimh meo
[jqt Hjekmc# ~mxmcvyfek hme`fek matfwftfjq glx dletbq% Feofm+q feoj~jeojeaj
dmx`jo tbj jeo lg m xjkfdj lg tbj Cmfqqjy$gmfxj glx tbj Feofme hme`fek% _bjKlwjxedjet lg Feofm feftfmtjo djmqzxjq tl ~cmv me matfwj xlcj fe tbj jaleldfa cfgj
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/Nationalisation8/6/2019 Project on Cradit Norms of Idbi for Home Loan
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%
Cfhjxmcfqmtfle
Fe tbj jmxcv =66>q# tbj tbje Emxmqfdbm Xml klwjxedjet jdhmx`jo le m ~lcfav lg
cfhjxmcfymtfle# cfajeqfek m qdmcc ezdhjx lg ~xfwmtj hme`q% _bjqj amdj tl hj `el{e
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
Hme` lg Alddjxaj# Mrfq Hme` "jmxcfjx mq Z_F Hme` FAFAF Hme` meo BOGA Hme`%
_bfq dlwj# mclek {ftb tbj xm~fo kxl{tb fe tbj jaleldv lg Feofm# xjwftmcfyjo tbj
hme`fek qjatlx fe Feofm# {bfab bmq qjje xm~fo kxl{tb {ftb qtxlek aletxfhztfle gxld
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
qjatlx fe Feofm ald~cjtjcv% Hme`jxq# tfcc tbfq tfdj# {jxj zqjo tl tbj ?$7$? djtblo
"Hlxxl{ mt ?*0Cjeo mt 7*0Kl bldj mt ?& lg gzeatflefek% _bj ej{ {mwj zqbjxjo fe
=6
http://en.wikipedia.org/wiki/Jayaprakash_Narayanhttp://en.wikipedia.org/wiki/Parliament_of_Indiahttp://en.wikipedia.org/wiki/President_of_Indiahttp://en.wikipedia.org/w/index.php?title=New_Bank_of_India&action=edit&redlink=1http://en.wikipedia.org/wiki/Punjab_National_Bankhttp://en.wikipedia.org/wiki/Narasimha_Raohttp://en.wikipedia.org/wiki/Liberalizationhttp://en.wikipedia.org/wiki/Axis_Bankhttp://en.wikipedia.org/wiki/UTI_Bankhttp://en.wikipedia.org/wiki/ICICI_Bankhttp://en.wikipedia.org/wiki/HDFC_Bankhttp://en.wikipedia.org/wiki/Economy_of_Indiahttp://en.wikipedia.org/wiki/Indiahttp://en.wikipedia.org/wiki/Jayaprakash_Narayanhttp://en.wikipedia.org/wiki/Parliament_of_Indiahttp://en.wikipedia.org/wiki/President_of_Indiahttp://en.wikipedia.org/w/index.php?title=New_Bank_of_India&action=edit&redlink=1http://en.wikipedia.org/wiki/Punjab_National_Bankhttp://en.wikipedia.org/wiki/Narasimha_Raohttp://en.wikipedia.org/wiki/Liberalizationhttp://en.wikipedia.org/wiki/Axis_Bankhttp://en.wikipedia.org/wiki/UTI_Bankhttp://en.wikipedia.org/wiki/ICICI_Bankhttp://en.wikipedia.org/wiki/HDFC_Bankhttp://en.wikipedia.org/wiki/Economy_of_Indiahttp://en.wikipedia.org/wiki/India8/6/2019 Project on Cradit Norms of Idbi for Home Loan
20/73
m dlojxe lztcll` meo tjab$qmwwv djtbloq lg {lx`fek glx txmoftflemc hme`q% Mcc tbfq
cjo tl tbj xjtmfc hlld fe Feofm% ^jl~cj elt izqt ojdmeojo dlxj gxld tbjfx hme`q
hzt mcql xjajfwjo dlxj% Azxxjetcv "8>>; hme`fek fe Feofm fq kjejxmccv gmfxcv
dmtzxj fe tjxdq lg qz~~cv# ~xlozat xmekj meo xjmab$jwje tblzkb xjmab fe xzxmc
Feofm qtfcc xjdmfeq m abmccjekj glx tbj ~xfwmtj qjatlx meo glxjfke hme`q% Fe tjxdq lg
}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
jaleldfjq fe ftq xjkfle% _bj Xjqjxwj FOHFfq me mztleldlzq hlov# {ftb dfefdmc
~xjqqzxj gxld tbj klwjxedjet% _bj qtmtjo ~lcfav lg tbj Hme` le tbj Feofme Xz~jj
fq tl dmemkj wlcmtfcftv hzt {ftblzt mev gfrjo jrabmekj xmtj$meo tbfq bmq dlqtcv
hjje txzj% [ftb tbj kxl{tb fe tbj Feofme jaleldv jr~jatjo tl hj qtxlek glx }zftj
qldj tfdj$jq~jafmccv fe ftq qjxwfajq qjatlx$tbj ojdmeo glx hme`fek qjxwfajq#
jq~jafmccv xjtmfc hme`fek# dlxtkmkjq meo fewjqtdjet qjxwfajq mxj jr~jatjo tl hj
qtxlek% Lej dmv mcql jr~jat D'Mq# tm`jlwjxq# meo mqqjt qmcjq% Fe Dmxab 8>>7# tbj
Xjqjxwj FOHFmccl{jo [mxhzxk ^feazq tl feaxjmqj ftq qtm`j fe @ltm` Dmbfeoxm Hme`
"m ~xfwmtj qjatlx hme`& tl =>*% _bfq fq tbj gfxqt tfdj me fewjqtlx bmq hjje mccl{jo
tl blco dlxj tbme :* fe m ~xfwmtj qjatlx hme` qfeaj tbj XHF meelzeajo elxdq fe
8>>: tbmt mev qtm`j jrajjofek :* fe tbj ~xfwmtj qjatlx hme`q {lzco ejjo tl hj
wjttjo hv tbjd% Fe xjajet vjmxq axftfaq bmwj abmxkjo tbmt tbj ele$klwjxedjet
l{ejo hme`q mxj tll mkkxjqqfwj fe tbjfx clme xjalwjxv jgglxtq fe aleejatfle {ftb
blzqfek# wjbfacj meo ~jxqlemc clmeq% _bjxj mxj ~xjqq xj~lxtq tbmt tbj hme`q+ clme
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
mdlzet%
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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)8/6/2019 Project on Cradit Norms of Idbi for Home Loan
21/73
_bj clme fq kjejxmccv ~xlwfojo mt m alqt# xjgjxxjo tl mq fetjxjqt le tbj ojht# {bfab
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~zxabmqj m ej{ lx zqjo amx dmv hj qjazxjo hv tbj amx# fe dzab tbj qmdj {mv mq
m dlxtkmkj fq qjazxjo hv blzqfek% _bj ozxmtfle lg tbj clme ~jxflo fq aleqfojxmhcv
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ofxjatcv tl m aleqzdjx% Me feofxjat mztl clme fq {bjxj m amx ojmcjxqbf~ matq mq me
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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_lending8/6/2019 Project on Cradit Norms of Idbi for Home Loan
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_19748/6/2019 Project on Cradit Norms of Idbi for Home Loan
23/73
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8/6/2019 Project on Cradit Norms of Idbi for Home Loan
25/73
8/6/2019 Project on Cradit Norms of Idbi for Home Loan
26/73
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27/73
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28/73
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meo ltbjx qabjozcjo alddjxafmc hme`q maalzetjo glx :%; ~jxajet# 1%6 ~jxajet meo
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^xfwmtj qjatlx Hme`q bmwj ~flejjxjo fetjxejt hme`fek# ~blej hme`fek# mev{bjxj
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aldhfejo wmxflzq ltbjx qjxwfajq meo fetjkxmtjo tbjd fetl tbj dmfeqtxjmd hme`fek
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alzetxv {mq abmxmatjxfyjo hv m dlzetfek fetjetfle lg tbj Xjqjxwj FOHF"XHF& tl
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xjqjxwj xj}zfxjdjetq meo xjqjxwmtfle lg m qfkefgfamet ~xl~lxtfle lg cjeomhcj
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aletxlcq cjo tl tbj ze~xlozatfwj zqj lg axjoft meo cl{ cjwjcq lg fewjqtdjet meo
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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%
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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
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~cmvjxq# qzab mq# hme`q# gfemeafmc feqtftztfleq meo ele$hme`fek gfemeafmc ald~mefjq
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feozqtxv# mkxfazctzxj# meo ltbjx `jv qjatlxq% _bjv mcql ~xlwfoj ojwjcl~djet
qjxwfajq tbmt ame mfo fe tbj maajcjxmtjo kxl{tb lg me jaleldv%
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ojwjcl~fek feozqtxfjq# mkxfazctzxj# lx txmoj# xjeojxfek ~xldltflemc qjxwfajq qzab mq
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ofqalwjxfek ~xlijat fojmq# zeojxtm`fek gjmqfhfcftv qtzofjq# meo ~xlwfofek tjabefamc#
gfemeafmc# meo dmemkjxfmc mqqfqtmeaj glx tbj fd~cjdjetmtfle lg ~xlijatq
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tbj klwjxedjet lg Feofm% Ft {mq maalxojo tbj qtmtzq lg ~xfeaf~mc gfemeafmc feqtftztfle
glx allxofemtfek tbj {lx`fek lg feqtftztfleq mt emtflemc meo qtmtj cjwjcq jekmkjo fe
gfemeafek# ~xldltfek# meo ojwjcl~fek feozqtxfjq%
FOHF bmq ~xlwfojo mqqfqtmeaj tl ojwjcl~djet xjcmtjo ~xlijatq meo aletxfhztjo tl
hzfcofek z~ qzhqtmetfmc am~maftfjq fe mcc dmilx feozqtxfjq fe Feofm% FOHF bmq ofxjatcv
lx feofxjatcv mqqfqtjo mcc ald~mefjq tbmt mxj ~xjqjetcv xja`lejo mq dmilx
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ojwjcl~djet% FOHF qjt z~ tbj qdmcc feozqtxfjq ojwjcl~djet FOHF"QFOHF& mq {blccv
l{ejo qzhqfofmxv tl amtjx tl q~jafgfa tbj ejjoq lg tbj qdmcc$qamcj qjatlx% FOHF bmq
jekfejjxjo tbj ojwjcl~djet lg am~ftmc dmx`jt tbxlzkb bjc~fek fe qjttfek z~ lg tbj
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~zhcfa l{ejxqbf~ z~ tl ?6 ~jx ajet% Fe Izcv =66:# ft xmfqjo lwjx Xq 8> hfccfle fe ftq
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~jx ajet% Fe Izej 8>>># m ~mxt lg klwjxedjet qbmxjblcofek {mq alewjxtjo tl
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qjxwfajq%
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Dfcjqtlejq Izcv =67?9 Qjt z~ zeojx me Mat lg ^mxcfmdjet mq m {blccv$l{ejo qzhqfofmxv
lg Xjqjxwj FOHF%
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feozqtxv%
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feqtftztfleq fe tbj gfxqt ~bmqj% FOHF bmq qzhqj}zjetcv ofwjqtjo ;6%=1* lg ftq
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Ojajdhjx =6619 Qjt z~ FOHF Am~ftmc Dmx`jt Qjxwfajq Cto% mq m {blccv$
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#
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