d) As far as possible, SIDBI would endeavour that the loan agreement clearly stipulates credit facilities that are solely at the discretion of SIDBI. These may include approval or disallowance of facilities, such as, drawings beyond the sanctioned limits, honouring cheques issued for the purpose other than specifically agreed to in the credit sanction, and disallowing drawing on a borrowal account on its classification as a non-performing asset or on account of non-compliance with the terms of sanction. It would also be specifically stated that SIDBI does not have any obligation to meet further requirements of the borrowers on account of growth in business etc., without proper review of credit limits.

e) In the case of lending under consortium arrangement, SIDBI, as a participating lender, would evolve procedures to complete appraisal of proposals in the time bound manner to the extent feasible, and communicate its decision on financing or otherwise within a reasonable time.

a) Post disbursement supervision by SIDBI, particularly in respect of loans upto Rs.2 lakh, would be constructive with a view to taking care of any "SIDBI-related" genuine difficulty that the borrower may face.

b) Before taking a decision to recall/ accelerate payment or performance under the agreement or seeking additional securities, SIDBI would give notice to borrowers, as specified in the loan agreement or a reasonable period if no such condition exists in the loan agreement.

c) SIDBI would release all securities on receiving payment of loan or realisation of loan subject to any legitimate right or lien for any other claim SIDBI may have against borrowers. If such right of set off is to be exercised, borrowers shall be given notice about the same with full particulars about the remaining claims and the documents under with SIDBI is entitled to retain the securities till the relevant claim is settled/ paid.