Increasingly, the DTM is being used by young guns such as Robert Wickens and Gary Paffett to jump-start their racing career in single-seaters.
Master Circular on the Kisan Credit Card KCC Scheme 1 Introduction The Kisan Credit Card KCC scheme was introduced in for issue of Kisan Credit Cards to farmers on the basis of their holdings for uniform adoption by the banks so that farmers may use them to readily purchase agriculture inputs such as seeds, fertilizers, pesticides etc.
The scheme was further extended for the investment credit requirement of farmers viz. The scheme was further revisited in by a working Group under the Chairmanship of Shri T. The scheme provides broad guidelines to banks for operationalizing the KCC scheme.
To meet the short term credit requirements for cultivation of crops; Post-harvest expenses; Consumption requirements of farmer household; Working capital for maintenance of farm assets and activities allied to agriculture; Investment credit requirement for agriculture and allied activities.
It is assumed that the farmer adopts the same cropping pattern for the succeeding four years. In case the cropping pattern adopted by the farmer is changed in the subsequent year, the limit may be reworked. The banks may fix the quantum of credit for term and working capital limit for agricultural and allied activities, etc.
The long term loan limit should be based on the proposed investment s during the five year period and the bank's perception on the repaying capacity of the farmer. Further, repayment schedule and norms are different for short term and term loans. Hence, in order to have operational and accounting convenience, the card limit is to be bifurcated into separate sub-limits for short term cash credit limit cum savings account and term loans.
Drawing limit for short term cash credit should be fixed based on the cropping pattern. The amount s for crop production, repair and maintenance of farm assets and consumption may be allowed to be drawn as per the convenience of the farmer.
In case such revisions require the card limit itself to be enhanced 4th or 5th yearthe same may be done and the farmer be so advised. For term loans, installments may be allowed to be withdrawn based on the nature of investment and repayment schedule drawn as per the economic life of the proposed investments.
It is to be ensured that at any point of time the total liability should be within the drawing limit of the concerned year. The composite KCC limit is to be fixed for a period of five years on this basis.
There should be no restriction in number of debits and credits. Further, at the time of renewal of existing KCC; farmers must be issued smart card cum debit card.
The short term credit limit and the term loan limit are two distinct components of the aggregate KCC limit bearing different rates of interest and repayment periods.
When the proposed extension is beyond one crop season, the aggregate of debits for which extension is granted is to be transferred to a separate term loan account with stipulation for repayment in installments.
With tie-up for recovery: In states where banks have the facility of on-line creation of charge on the land records, the same shall be ensured. Other features Uniformity to be adopted in respect of following: The bankers will give adequate publicity of the facility so that maximum farmers may benefit from the scheme.
Farmer beneficiaries should be made aware of the insurance cover available and their consent except in case of crop insurance, it being mandatory is to be obtained, at the application stage itself.
However, when such loans are sanctioned, these should be linked with the crop loan account, if any, and the crop loan outstanding in the account could be settled at the stage of disbursal of the pledge loan, if the farmer so desires.
All KCC holders should be provided with any one or a combination of the following types of cards: Debit Cards with magnetic stripe and only biometric authentication can also be provided depending on customer base of the bank.
Till such time, UIDAI becomes widespread, if the banks want to get started without inter-operability using their existing centralized bio metric infrastructure, banks may do so.
This will enable them to transact seamlessly with input dealers as also enable them to have the sales proceeds credited to their accounts when they sell their output at mandies, procurement centers, etc.
The following delivery channels shall be put in place to start with so that the Kisan Credit Card is used by the farmers to effectively transact their operations in their KCC account.MAS Holdings: Providing Design to Delivery Solutions to the Global Apparel Industry Case Solution, MAS is an apparel supplier to the world's leading brands.
Effective January , a quota-free international textile trade regime country-specific quotas f. Toyota is headquartered in Tokyo, Aichi. The main headquarters of Toyota is located in a 4-story building in Toyota.
As of , the head office has the "Toyopet" Toyota logo and the words "Toyota . Capital funds are broadly classified as Tier 1 and Tier 2 capital.
Elements of Tier 2 capital will be reckoned as capital funds up to a maximum of per cent of Tier 1 capital, after making the deductions/ adjustments referred to in paragraph Efficiency from Design to Delivery One Destination Solution MAS FABRIC PARK - THULHIRIYA Door 2 Door delivery/collection; 2.
Centralized Meal Service The Water Treatment Plant of MAS Fabric Park has a capacity of providing cubic meters of water per day. Purified to WHO standards, water is tested daily using the in- house testing lab. Research - Free ebook download as PDF File .pdf), Text File .txt) or read book online for free.
MAS Holdings: Providing Design to Delivery Solutions to the Global Apparel Industry Harvard Case Study Solution and HBR and HBS Case Analysis Related Posts EU Designs Rise in the Apparel and Fashion Industry: Formalizing Management and Incentive Systems.