| 4. Solar Water Heating Systems
 Purpose: For financing Solar Water Heating Systems
Area of implementation: To be implemented in all the States and Union Territories in the country
Eligible borrowers: Domestic users, Institutional users and Commercial / Industrial users Quantum of loan-85% of the cost of solar water heating systems
Margin: 15% of the cost of solar water heating systems
Lending Rate of the Bank: 10.75% p.a.
5. Retail Traders
Retail traders dealing in essential commodities (Fair Price shops) consumer co-operative stores.
Advances granted to Private Retail Traders with credit limits not exceeding Rs.20.00 lakh
6. Micro Credit
Loans of very small amount not exceeding Rs.50,000.00 per borrower provided either directly of indirectly through SHGs / JLG mechanisum or to NBFC / MFIs for onlending upto Rs. 50,000.00 per borrower.
Loans to distressed persons (other than farmers ) to pre-pay their debt to non- institutional lenders against approprate collateral or group security
7. Housing Loans – Rural Housing 
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Construction of dwelling unit per family.
- Loans for repairs to damaged dwelling units upto Rs. 1.00 lakh in rural & Semi Urban areas and upto Rs.2.00 lakh in Urban & Metropolitan areas.
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Assistance given to any Governmental agencies for construction of dewelling units or for slum clearence and rehabilitation of slum dewellers, subject ot a ceiling of Rs.5.00 lakh of loan per dewelling unit.
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Assistance given to a Non-Governmental agency approved by NHB for the purpose of re-finance for construction / reconstruction of dewlling units or for slum clearence and rehabliation of slum dewellers subject to a ceiling of Rs.5.00 lakh per dewelling unit
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