SCHEME CODES PRESENTLY EFFECTIVE FOR OPENING AND MAINTENANCE OF
ACCOUNTS OF LOANS & ADVANCES (Revised 01-05-2012)
For the awareness of the Branch users, it is informed that different schemes have been
prepared in CBS environment for Fund Based Loans & Advances, which are compatible as per
the requirement of the nature of the schemes under different loan schemes in force in the
Bank. The details of the schemes and their related scheme codes are mentioned hereunder for
opening and maintenance of the accounts, so that uniformity in the database is maintained all
throughout for all MIS purposes.
Sr,No Loan Schemes as per the prevailing policy of the Bank Scheme
(updated as on 01-05-2012) codes
CBS
NON RETAIL SEGMENT
CASH CREDIT SCHEMES
1 Cash Credit (Hypothecation & Receivables) CC401
2. Cash Credit (Book Debts) CC402
3. Cash Credit (Pledge) CC403
4. General Credit Card upto 25000.00 CC404
5. Oriental Blue Card (Fish farming scheme) CC405
6. General Credit Card upto Rs. 25000/- for FIP (Financial Inclusion Plan) CC406
7 CC-SME-DEVELOPMENT SCHM CC407
8 CC-SME-CONTRACTOR SCHM CC408
OVERDRAFT SCHEMES
1. General Overdraft to Public, Aartias, Agriculturist for all purposes OD501
2. OD against GOLD JEWELLERY to Non Agriculture customers OD503
3. OD to farmers for crop raising / consumption activities only (Farmers OD504
availing OGC/OKGC will not be eligible under OD504)
4 Overdraft facility to Staff (Contingency facility) OD510
5 OGC / OKGC OD511
6 OD against GOLD JEWELLERY to Agriculture customers OD512
7 Oriental Green Card upto Rs. 25000/- for FIP (Financial Inclusion Plan) OD513
8 OGC-GRAPE FARMING OD514
9. OGC-COCONUT FARMIN
TERM LOAN SCHEMES
1. General Term loan for all purposes with EMI repayment type (Equated Monthly TL701
Installment of principal & interest) including WCTL / FITL where repayment has
been fixed at EMI basis.
In this scheme all sponsored loans shall also be opened for main loan component.
2. General Term loan for all purposes with repayment of principal component in different TL702
Instalments separately but repayment of interest as & when due including WCTL /
FITL where repayment has been fixed other than EMI basis.
3. ORIENTAL GRAMEEN SWAROJGAR CARD (OGSC) FOR MICRO CREDIT TL703
(LOAN AMT UPTO Rs. 25000/-)
4. TL- GRADED EI Term loan for with step up/ ballooning EMI repayment TL705
for Infrastructure, Commercial Real Estate and Lease Rental / Future
Rentals
5 TL-SME-DEVELOPMENT SCHM TL706
6 TL-SME-TRANSPORT SCHM TL707
7 TL-SME-CONTRACTOR SCHM TL708
8 TL-SME-EQUIPMENT-LOAN-SCH TL709
9 Subsidy Loan Scheme carrying 0.00% interest rate TL731
10 Agricultural Term loan for all purposes with EMI repayment type(Equated TL751
Monthly Installment of principal & interest). In this scheme all
sponsored loans given for agricultural purposes shall also be opened
for main loan component.
11 Agricultural Term loan for all purposes with repayment of principal TL752
component in different Installments separately but repayment of
interest as & when due.
12 All staff loans with simple interest. TL781
RETAIL SEGMENT
HOUSING LOAN SCHEMES
1. Housing loan to general public other than Govt, / PSU employees TL601
2. Housing loan to Govt, / Semi Govt. / PSU employees / Reputed Pvt. TL604
Institutions (Grihsewa)
3. Home loan for furnishing and renovation TL605
4. Home loan for VRS & Retired Employees TL608
5. Home loan for NRIs TL610
6. Home loan Flexi Interest (5) Principal (5/5) TL611
7. Home loan Flexi Interest (5) Principal (5/10) TL612
8. Housing loan to Govt. / Semi Govt. / PSU employees upto Rs. 1.00 Lac (For TL614
Repair & Renovation Purposes)
9. Housing loan (Rural Housing – PHIRA) TL616
10. Housing Loan – Interest subsidy housing scheme for urban poor (ISHUP) TL617
11. Rajiv Gandhi Gramin Niwara Yojana TL618
CUSTOMISED SCHEME FOR HOUSING LOAN
1 BSNL-HOUSING LOAN HL711
2 INDIAN NAVY-HOUSING LOAN HL712
3 BSNL-HOME FURNISHING LOAN HL713
4 IND NAVY HOME FURNISH LN HL714
EDUCATION LOAN SCHEMES
1 Education loan to students for studying in India TL641
2. Education loan to students for studying abroad TL642
3. Education loan to employed persons for attaining higher qualifications TL644
4 Education loan Supreme Court TL645
5 Education Loan for Vocational Courses TL646
6 Education Loan for IIMs IITs XLRIs TL647
CUSTOMISED SCHEME FOR EDUCATION LOAN
1 BSNL-EDU LOAN INDIA EL761
2 BSNL- EDU LOAN ABROAD EL762
3 IND.NAVY- EDU LOAN INDIA EL763
4 IND.NAVY -EDU LOAN ABROAD EL764
CAR / TWO WHEELER LOAN SCHEMES
1. Auto loans for purchase of new cars / two wheelers etc. TL651
2. Auto loans for purchase of second hand cars (True value scheme) TL652
CUSTOMISED SCHEME FOR VEHICLE LOAN
1 BSNL- VEHICLE LOAN CAR/2W VL785
2 IND.NAVY-VEHICL LN CAR/2W VL786
LOAN SCHEMES FOR WOMEN
1. Term Loan Scheme for Working Women TL661
2. Term Loan Scheme for Professional & Self Employed Women TL662
3. Term Loan Scheme for Beauty Parlour, Saloon & Boutique TL663
4. Term Loan Scheme for Women Entrepreneurs (Oriental Mahila Vikas TL664
Yojna)
OTHER RETAIL SCHEMES
1. Clean Loan to Defence personnel TL673
2. Personal loans and consumer loan to general public TL677
3. Loan to Traders TL678
4. Loan to Doctors TL679
5. Loan to Professionals other than Doctors TL680
6 Loan To Pensioner (Re-Opened Wef 01-07-2011) TL681
7. Loan for Autos & Taxis TL683
CUSTOMISED SCHEME FOR PERSONAL LOAN
1 BSNL- PERSONAL LOAN PL735
2 IND.NAVY - PERSONAL LOAN PL736
DEMAND LOANS
1. NON RETAIL Demand Loan against Deposits, NSC, KVP, LIC, Shares & DL801
WCDL
2. Demand Loan (Retail Scheme) on EMI repayment basis against NSC, DL803
KVP & LIC policies etc. {This scheme is not against the Bank Deposits}
3. Demand Loan for earnest money schemes DL804
4. OD against GOLD JEWELLERY to Non Agriculture customers DL806
5. OD against GOLD JEWELLERY to Agriculture customers DL807
Earlier scheme codes under which accounts have been migrated and opened by the users after
migration from legacy system to Core banking system, but they have now either been merged
with other schemes as per the Bank’s policy or have been discontinued due to erratic
behaviour.
Sr,No Loan Schemes as per the prevailing policy of the Bank Scheme
codes CBS
1 NON RETAIL Demand Loan against Deposits, NSC, KVP, LIC, DL802
Shares (Overdraft type) scheme closed since 01-07-2006.
2. TATA Nano car booking scheme DL805
3. Clean term loan to Govt./PSU/Pb. Ltd. Co employees TL671
4. Term Loan against consumer durables TL672
5. Term Loan scheme for Doctors / Professionals TL674
6. Term Loan for purchase of shops TL675
7. Term Loan scheme for OBC Medifin TL676
8. Bon Voyage travel scheme TL682
The branches shall close existing accounts under DL802 scheme after transferring the
proceeds of the loan account to DL801 scheme as instructed earlier and term loan accounts
under the discontinued schemes as above on their maturities.
