(Paragraph 3.12)

Entry Point Norms/Viability Norms prescribed by RBI in May, 1993

I.

Viability Norms

(Amount Rs. in lakhs)

CATEGORY OF CENTRES #

A

B

C

D

Share Capital

75.00

40.00

25.00

10.00

Reserves

30.00

16.00

10.00

4.00

Deposits

645.00

344.00

215.00

86.00

Advances

525.00

280.00

175.00

70.00

Working Capital

750.00

400.00

250.00

100.00

Membership (Nos)

6000

4000

3000

2000

N.B.

The above viability norms have to be normally achieved within a period of 3 years.

The membership norms has to be achieved by the end of 2 years.

II.

Entry Point Norms

A

B

C

D

Share Capital (Rs.in lakhs)

60.00

30.00

15.00

6.00

Membership-Initial

3000

2000

1500

1000

III.

Relaxation in Entry Point Norms (EPNs) for

(Amount Rs.in lakhs)

Share Capital

Membership

A

B

C

D

a)

Less

50% of share

Reduction

Share

37.50

20.00

12.50

5.00

Developed

capital prescribed

on a pro-

Capital

States

under V.N. for

rata basis

Membership

3000

2000

1500

1000

the relevant

centre

b)

Least

33 1/3% of the

Reduction

Share

25.00

13.34

8.34

3.34

developed

share capital

on a pro-

Capital

states

prescribed under

rata basis

Membership

2000

1334

1000

667

(NE States,

V N for the

Tribal

relevant centre

areas etc.)

c)

Banks

50% of share

Reduction

Share

37.50

20.00

12.50

5.00

organised

capital prescri-

on a pro-

Capital

by Mahila/

bed under V.N.

rata basis

Membership

3000

2000

1500

1000

SC/ST

for the relevant

centre

#

Category of Centre

Population

A. - Metropolitan - Large

50 lakhs and above

B. - Metropolitan - Other

10 lakhs and above but less than 50 lakhs

C - Urban

1 lakh and above but less than 10 lakhs

D - Semi-Urban

10,000 and above but less than 1 lakh