Branch Heads shall have no powers to sanction cases where occupation of one or more borrowers/ co-borrowers is of contractual nature.Mortgage of underlying property shall be mandatory in case of loans to contractual employees.The remaining period of contract is equal or more than proposed tenor of loan (not mandatory for contractual employees working with current employer for more than 03 years uninterruptedly).Contractual employees of State /UT/ Central Government, Government / Semi-Government Undertakings, Autonomous Bodies and Govt Institutions shall also be eligible, subject to below noted conditions:.Pensioners State /UT/ Central Government, Government / Semi-Government Undertakings, Autonomous Bodies and Govt Institutions.Persons engaged in agricultural and allied activities.Professionals, Self Employed Individuals / Businessmen with a minimum 2 years standing in the current profession/ Business.

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