• The claims of Branch Managers can be passed at branch itself subject to ratification by their Regional Offices.
• The limit can be accumulated upto three years.
• Family means officer employee's spouse, wholly dependent parents and children.
• Children include step children and legally adopted children but shall not include married or widowed daughter.
• Parents include step mother but not step father.
• Wholly dependent means children and parents having individual & in aggregate income upto Rs 1500 per month.
• Married female employee can include parents-in-law in family provided they ordinarily reside with her and are dependent on her.
• Hospitalization expenses will be reimbursed to the extent of 100% in case of officer himself / herself and 75% in the case of dependent family members to the extent permissible in terms of hospitalization scheme.
• Incase of death of hospitalized employee, the charges may be paid to the legal heirs.
• Medical aid and hospitalization facilities would be admissible to officers under suspension.
• An officer undergoing sterilization operation for promotion of small family will be eligible for reimbursement of expenses for minor operation.
• In case of induced abortion, charges may be reimbursed in the same way as Caesarean Operation/ Operative interference because of complicated labour etc.
• An officer shall not be eligible for reimbursement of hospitalization expenses incurred after the date of retirement even if they pertain to 30 days period after hospitalization.
• Medical Expenses incurred in respect of the following diseases which need domiciliary treatment as may be certified by the recognized hospital authorities and bank's medical officer may be reimbursed- Cancer, Leukemia, Pleurisy, Thalasamea, Tuberculosis, Paralysis, Cardiac Ailment, Leprosy, Kidney ailment, Epilepsy, Parkinson's disease, Psychiatric disorder , Diabetes, Hepatitis-B, Haemophilia and Myaestheniagravis.
• An amount of Rs.50,000/- as advance to be adjusted from the medical bill and a demand Loan of Rs.25,000/- at commercial rate of interest to minimize the hardship on account of huge expenses required for undergoing Special Operations relating to Heart, Lungs, Brain Cancer, Kidney Transplantation and Pacemaker etc. may be granted. The demand loan is repayable in 24 monthly instalments.

1. No officer shall be entitled as a matter of right to be provided with residential
   accommodation by the Bank.
2. It shall, however, be open to the Bank to provide residential accommodation to an officer on payment by the officer, on and from 1st November, 1999, a sum equal to 2.5 % of the basic pay in the first stage of the scale of pay in which he is placed or the standard rent for the accommodation, whichever is less:
   
   Provided that where the officer is provided with furniture at such residence, a further sum equal to 0.5% of basic pay in the first stage of the scale of pay in which he is placed will be recovered by the Bank from him.
   
   Provided further that, where such residential accommodation is provided by the bank, the charges for electricity, water, gas and conservancy shall be borne by the officer.

1. All officers in Scale IV and above.
2. Senior Manager, Managers in Scale-II and Scale- I officers holding No.1 post in branch
3. Deputy Chief Officers in Zonal Offices ( In charge of department)
4. Deputy Chief Officers, Assistant Chief Officers in Regional Offices (In charge of Department)
5. Senior Manager ( Cash) of EL Branches.
6. Faculty Members and Inspecting Officers
7. Lead Bank Officers
8. Officers deputed to RRBs provided they were enjoying facility before deputation.
9. All officers posted at Metropolitan Centres.
10. All officers posted at State Capitals
11. All officers transferred back to home state in any position and in subsequent postings after serving outside state for 3 years. All officers transferred out of State of domicile.
12. Officers posted at non-family stations shall be eligible for accommodation at place of his immediate previous posting or at any other place of choice, provided they do not have their own house either at the previous place of posting or place of choice.
      

1. Officers who won their house or have built a house with Bank's loan at their place of posting. However if such house is below their standard, permission can be granted by the Board.
2. Officers posted/ transferred to place of choice/domicile. However, this condition shall not be applicable to officers in scale-IV and above and officer working in project areas serving out of state for 3 years.
3. Officers transferred/posted to a particular place of posting on request.
4. Officers not confirmed in Bank service.
5. Where owned house is let out and steps have not been taken for vacation of the same.
6. Where officers are posted at same place after promotion from clerical cadre.
     

• The difference between the actual rent of a leased accommodation and rental ceiling shall be borne by the officer where the actual rent of the accommodation provided exceeds the rental ceiling.
• The eligibility in respect of rental ceiling shall get increased or decreased with the increase or decrease in Consumer Price Index even during the lease period and the officer posted in Major "A" Class Cities and State Capital shall be reimbursed the difference between the actual rent and the eligible rental ceiling of the officer accordingly in the case of an accommodation taken in the name of the bank.
• Furnished accommodation is a package facility. An officer has to avail or reject the facility as a whole. Where the officer wants to surrender the facility of residential accommodation, the Bank will not recover any amount but he will not be paid HRA and accommodation would not ordinarily be made available to him during his posting on that post.
• No residential accommodation owned by the officer shall be taken on lease for residential accommodation for such officer himself.
• If required, advance upto 3 month's rent may be paid to the respective landlords. However, in extreme exigencies in Metropolitan Centres, State Capitals and Urban Centres advance upto 6 month's rent may be paid with prior permission from competent authority.
• Brokerage not exceeding one month's rent may be paid directly to the broker against his stamped receipt in Metropolitan/Area-1 centres.

An officer drawing a Basic pay of less than Rs.6,210/- per month shall not be eligible for purchase of Motor Car. However, physically handicapped officer drawing basic pay of less than Rs.6210/- per month shall be eligible for a loan for purchase of special Motor Car marketed by Maruti Udyog Ltd. Provided he has completed 5 years of continuous service.
 

• For Car:- 80% of cost subject to a maximum of Rs. 3,50,000/-
• For any other conveyance:- 90% of the cost subject to a maximum of Rs 60,000/- However, for Agriculture Field Officers and Marketing Officers, the maximum limit shall be 90% of the cost without any maximum ceiling.
• Loan for repairs of Motor Car available once in every five years;- Rs.10,000/-

• Maximum 200 monthly instalments for Motor Car loan.
• Maximum 84 monthly instalments for other conveyance loan.
    

• Certificate of Fitness from a qualified Automobile Engineer
• Valuation Certificate from an approved Surveyor.
   

• Balance outstanding in the first conveyance loan is fully adjusted and
• Requisite margin for purchase of second conveyance is provided by the officer from his own source,

• An officer who has completed 5 years of continuous service in the bank shall be eligible.
• Competent authority may relax the above condition where the officer was in confirmed service of other Public Sector Bank or Public Financial Institution or RBI or Central Govt./State Govt./ Undertaking of Central govt. before joining the service, provided he has not availed such loan from the previous employer.
• Ex-servicemen may get weightage in respect of eligibility for their past military service after confirmation of service in the bank.
• An officer shall be entitled to Housing Loan only once during his service.
• If husband and wife are both working in our bank or one of them is working in any other bank/local body/State or Central Govt. etc., only one of them will be eligible for housing loan.

• Acquiring of a plot of land and constructing a house thereon.
• Construction of a new house on a plot of land already acquired.
• Enlargement of an existing house owned by the officer
• Conversion of hire purchase into outright purchase of house from State Housing Board or similar Govt. controlled Bodies and outright purchase of newly built house from Govt., Semi-Govt., Local Bodies, Housing Board, Development Authorities etc. and from private parties.
• Purchase of house under Self- financing Housing Scheme and Co-operative Group Housing Societies.
• Repayment of loan taken from Bank/ Private Source for House Construction, even if the construction has already commenced.

• Repayable in maximum 240 monthly instalments: - Principal in 180 instalments and interest in 60 instalments. The repayment period shall be in the ratio of 3:1 for repayment of principal and interest.
• In case of construction of a new house, the recovery shall commence from the salary of the month following completion of construction or from 18th month from the date of disbursement of first instalment of the loan.

• Mortgage of the proposed/existing flat/ house property.
• Charge on Terminal benefits i.e.PF and Gratuity payable etc.

• For carrying out additions, alterations, repairs and renovation of a permanent nature in the house/ flat constructed by availing Bank's Housing Loan after seven years of occupation of the said house.
• For conversion of Supplementary Housing Loan or for repayment of Institutional Loans namely from HDFC, LIC, NHB, Other Banks etc. availed for carrying out additions, alterations, repairs and renovation of a permanent nature in the house/flat constructed by availing Bank's housing Loan after seven years of occupation of the said house/ flat.

• 50 times of monthly pay or estimated cost of enlargement, alterations, repairs or renovation whichever is less subject to a limit of Rs.2 lacs.
• The additional loan amount shall not exceed the difference between the Housing Loan limit of Rs.7.50 lacs and the housing loan amount already availed.

• 50% of the limits shall be reimbursed on certificate basis and 50% on production of receipts.
• Monthly limits shall not be overdrawn. But unavailed limit for a month may be carried over to the next month. Unavailed limit at the end of a calendar year shall lapse.
• Monthly limits shall be reduced prorata when an officer is away on leave or on Bank’s duty for continuous period of 3 months which does not require incurring of such expenses.

• Membership of any one of the service club viz. Rotary Club, Lions Club or Round Table and any two of the following professional institutions is allowed.

1. The Indian Institute of Bankers
2. Institute of Bankers , London
3. Institute of Chartered Accountants
4. Institute of Cost and Work Accountants
5. Any other Institute Approved by the Bank.

• For membership of the above professional institutes, the officer shall be a Fellow or a Diploma holder of the Institution.
• Admission fees and membership subscription to Banker’s club (permitted by the Bank) shall be outside the above limits.

• An officer shall be eligible for casual leave on full emoluments for 12 working days in a year provided that not more than four days casual leave may be availed of at any time.

• Casual leave not availed of in any year may be suffixed or prefixed to sick leave within the next three years.

• Unavailed Casual Leave may be availed in the following year not exceeding a day on grounds of sickness without production of medical certificate.

1. Public holidays and Sundays may be prefixed or suffixed to such leave. Public holidays and weekly offs falling within the period of sanctioned casual leave will not be treated as a part of casual leave. Casual leave shall not be granted in combination with any other leave.
2. During first calendar year of joining the Bank’s service, the casual leave would be 1 day per month for first calendar year and fraction of month will be treated as full month. But retiring officer shall be entitled to full 12 days (and not prorata) casual leave for calendar year during which he retires.
3. Casual leave not availed and converted to sick leave as on 31.12.78 shall not lapse in the following year, but shall be maintained in separate account distinct from normal sick leave. It will be above the normal limit of 540 days and can be availed on full pay after exhausting normal sick leave.
4. Where leave is applied for particular reason and it is found that leave was utilized for participating Dharna / Demonstration / Agitation etc. the Bank may cancel such leave and not pay him salary for leave applied on false ground without prejudice to Bank’s right to take disciplinary action.

Officers promoted on or after 1.7.79 are allowed to avail sick leave accumulated out of conversion of unavailed casual leave prior to his promotion, any time during the course of his service.

i	14 days casual leave for female employees who undergo tubectomy operation.
ii	5 days casual leave to male employees who undergo vasectomy operation
iii	However, in both the above cases if employee develops post sterilization complications, he or she may be allowed additional casual leave to cover the period of hospitalization on the basis of certificate from hospital /doctor.
iv	One day casual leave to female employee who had IUD insertion.
v	Special casual leave upto 7 days to male employee whose wife undergoes non-puerperal tubectomy operation on production of medical certificate to the effect that his presence was required during her convalescence. Sundays and holidays falling in between such special casual leave shall be taken into account.
vi	Special Casual Leave can be prefixed, suffixed to any kind of leave including Casual Leave.

No special casual leave in the above circumstances will be given if it is found that

a) the officer employee could have reached the office by avoiding curfew area via another route.

b) Govt. authorities had permitted such movements.

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