BFCI Section, BSNL Corporate Office

5'h Floor, Bharat Sanchar Bhawan,

Janpath, New Del hi -l 10001
Ph.23329 67 0, 23037 7 44, Fax : 237 3 4033
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BHARAT SANCHAR NIGAM LIMITED
(A Govt. of Indi a EnterPri se)
No. l
-glBFCI/Staff
Loan/l 2-13
To
Al l Ci rcl es' IFA
Dated: 17 .09.2013
SUB: MOU Si ened yi th
$tate
Ban,k of
l ndi ?
fqr exte4di ne vari ouq Loan Schgmes to
FSNL
Eppl ovees.
MOU with State Bank of India for extending various loans to BSNL employees has
been signed on 2nd September, 2013. This agreement is valid upto 20.08.2014. The general
terms and conditions and Rate of interest are given in Annexure- I of MOU (copy enclosed).
A copy of
rvwlv. i ntranet.bsnl.co. in
Control.
the agreement has been pl aced on our i ntranet web si te i .e.
under the head Di rector (Fi nance) and sub-head Budget &Fi nance
Encl: (i) Copy of Agreement
(ii) Annexure-I
=
Jv*-'
--
(V.V.Sankaran)
DGM (BFCI)
Ph.23715103, 23329670
Fax: 23734033
Regd. Of f i ce: Bhar at Sanchar Bhawan, Janpat h, New Del hi
- 110
001
Corporate Offi ce: Bharat Sanchar Bhawan, Janpath, New Del hi -110 001 Websi te: www.bsnl .co.i n
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INDIA
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MEMORANDUM OF UNDERSTANDING {i
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i r ^ - ^ , ^ 6r , , - ^ { I l ^ , 1^ ' ^ +^ ^ , . 1i ^ ^ / nr ar l l \ i c maAa nn 14s t Ar r nr r c t
Inrs rvremorandum of Understandi ng
(MOU) i s made on 21' tAugust 20' 13.
i t
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BETWEEN "'r:
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aqq
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Ln. . . a of anv d scr 6i unql '
pl ease i nf cr r m t Fe Ccnr - ' et ent
At r i hor l t y
M/s
BHARAT
SANCHAR
N' GAM
LTD
(B' NL),
.a
company
i ncorporated
under
the
compani es
Act 1gs6 havi ng
i ts regi stered
offi ce/corpoi ate
offi ge at 3' d Fl oor'
BSNL
BHAWAN,
Hari sh
chandrr,"
trl trt ui t-ane,
New Del hi -110001
through
shri chander
shekhar
Gupta
DGM
(erdr l i l )
(dul y
-authori zed
to enter
i nto the
present Mou)'
herei nafter
referred
to as
"BSNL" (whi crr t.r* Shal l mean and i ncl ude
i ts successors
i n
ti tre, subsi di ari es,
associ ates,
affi ri ates
and assi gns)
of the oNE PART
AND
State Bank of Indi a
(sBl ), a statutory
corporati on,
consti tuted
under the State Bank
of Indi a Act, 1g55, havi ng i ts corporate
offi ce at
"state Bank Bhavan",
Madame
cama
Road, Mumbai
400021 and one of i ts Local Head offi ce at 11, Parl i ament
street,
New
Det hi 110001. St at e Bank of I ndi a t hrough
Shri Deepak Chopra,
DGM
(PBBU
-
l ) (dul y
authori zed
to enter i nto the
present Mou), herei nafter
referred
to as"Bank"
(whi ch term
shal l mean and i ncl ude
i ts successors
i n ti tl e, subsi di ari es,
associ ates,
affi l i ates
and
assi gns)
of the OTHER
PART'
BSNL and Bank are col l ecti vel y
referred to as the
"the parti es"'
WHEREAS:
1. M/s Bharat Sanchar
Ni gam Li mi ted
(BSNL) i s a company
i ncorporated
under the
compani es
Act, 1956 and has i ts regi stei ed
offi ce/corporate
offi ce at 3rd Fl oor'
Bharat sanchar
Bhavan, Hari sh Chandi a
Mat hur Lane, Janpat h,
New Del hi -110001'
BSNL i s the l argest tel ecom
operati ng
company
i n Indi a havi ng 2.5 l akhs empl oyees
across the countrY.
z. For the conveni ence
of empl oyees,
BSNL desi res to enter i nto Mou wi th sBl i n
respect of Retai l Segment
Loans'
3. In pursuance of the above, BSNL i nvi ted Scheme
wi se rate of i nterest of vari ous
Retai l Segment
Loans offered by State Bank of Indi a for i ts empl oyees
on al l Indi a
basi s.
4. Bank submi tted the exi sti ng Rate of Interests appl i cabl e
to al l customers
on varl ous
Ret ai l Segment Loans sucn as Housi ng l oans,
-Car
Loans, Personal Loan:
(SBl
Saral , Exi ress Credi t), and Educati on
Loan etc offered by SBI'
t >
I
-"->
5. The basi c
terms
and condi ti ons
i n respect
of the l oan
faci l i ty
al ongwi th
current
Rate
of Interests
for B5NL
empl oyee
(s) (herei nafter
referred
to i s thel ' Borrower(s)
at the
t i me of t aki ng
t he l oan) are
"nn"t "d
"t Annexure
l t o t hi s MOU'
The roan wi i l be evi denced
by the Loan
Agreement
and other
Loan
Documents
(herei nafter
referred
to as the,,Loun
oocrmei t.")
to be executed
between
Bank
and
Borrowers.
In consi derati on
of the l oan faci l i ti es,-the
parti es have agreed
to execute
the
present Memorandum
of understa";i ;;
on tt^," fol l owi ng
terms
and condi ti ons
ment i oned
bel ow:
6.
NoWTHI SDEEDWI TNESSETHASFoLLoWS:
1. That Bank may
grant the roan to BSNLs
emproyee(s)
under
the fol l owi ng
head
as
per thei r requi rement
i n accordance
wi th Bank' s
gri o"ti nes/norms
preval ent
at the
ti me of consi derati on
of the
proposal of the l oan
(a) Housi ng
Loan i ncrud rg R"pai r/Renovati ons/Addi ti on/Al terati on
Loan'
(b) Car Loan.
(c) Educati on
Loan'
SJi#lilh""1tihe
various
heads as mentioned
above
are collectivelv
referred
to
as t he
"l oan f aci l i t i es"'
2. That t he
general t erms and condi t i ons,
purpose
of l oan, Maxi mum
amount ,
Margi n
Money,
Mul ti pl e
of sal ary,
Recovery
of i nstal l ments
(EMl
+
Interest),
appl i cabl e
rate
of i nterest and El i gi bi l i ty
etc. w.r.t, the l oan faci l i ti es
appl i cabl e
i n respecti ve
cases
wi l l be as
per Bant i ' s
-norms/ gui del i nes prevai l i ng
at t hat t i me.
That the l oan faci l i ti es
shal l be sancti oned
by the appropri ate
authori ti es
of the Bank
i n accordance
wi t h Bank, s norms wi t hout rnv rel axai i ons
or concessi ons'
However
i f
after executi on
of thi s MOU i f any .onr"nri s
i s arri ved
at i n respect
of extendi ng
any concessi on/ reraxat i on
t o emproyees
of BsNL, t he same may be made avai l abl e
to them i n accordance
wi th the consensus
arri ved at between
the Bank and the
BSNL.
That the maxi mum
ti mi ts for the l oan faci l i ti es are subj ect to the i ncome/repayi ng
capaci ty
of Borrowers
and as
per the l ai d down i nstructi ons
i n accordance
wi th
Bank' s Approved
ci rcul ars
for di fferent
l oans.
That the securi ty
for the l oan faci l i ti es
shal l be as
schemes
as
per Bank' s norms
gui del i nes'
appl i cabl e
on the resPecti ve
3
4.
5.
d
qE iwfiIq tS*
f
$
tuaro
rn"t"^ar
6
7.
8.
9.
l n case of sancti on
of the l oan to the empl oyees-of
BSNL, they undertake
to record
the mandate
of thei r emprl vee
tor deducti on
of l oan i nstal l ment
from thei r sal ary
and remi ttance
to the respecti ve
branches
of the bank'
That EMI/NMI
Rati o, Loan to Val ue Rati o and mi ni mum
take home sal ary
as
per
Bank,s extant i nstructi ons
appl i cabl e
to di fferent
l oan faci l i ti es
shal l be meti cul ousl y
observed
by the
parti es. The l oan
proposal wi l l be
processed. by the Bank i n
accordance
wi th the Bank' s
gui del i nes and i f i t i s deci ded
to sancti on
l oan the same
shal l be subj ect
to ful fi l l meni of terms and condi ti on
menti oned
i n sancti on l etter to
be i ssued bY the Bank.
That i n case of reti remenUresi gnati on/termi nati on/death
of Borrower,
BSNL
undertakes
not to rel ease termi ni l
benefi ts
wi thout obtai ni ng
pri or wri tten
"No
Obj ecti on
Certi fi cate"
from the fi nanci ng
branch of Bank'
That the Bank shal l charge
processi ng charges on the l oan as
per Bank' s extant
i nstructi ons,
subj ect to chJnge from ti me to ti me wi thout
pri or noti ce.
10. BSNL undert akes
t hat t hei r sal ary di sbursement
aut hori t y
shal l remrt t he l oan
i nstal l ment
deducted
from the sal ary of the empl oyee
l atest by 10' h of each month
wi t hout f ai l .
as
per Bank' s ext ant i nst ruct i ons,
subj ect
noti ce.
12. That t hi s deed shal l be bi ndi ng upon t he
part i es, t hei r successors
and assi gns.
That any not i ce, demand or request under t hi s deed shal l be i n wri t i ng, and shal l be
del i vered by
personal servi ce or shal l be sent by post age prepai d, regi st ered or
certi fi ed mai l , tel exed, tel e copy or sent by person or overni ght couri er return recei pt
requested, addressed,
i f to tne
parti es, at the respecti ve address set forth i n the
headi ng of t hi s deed, or at such ot her address as t he addressee
may desi gnat e i n
wri t i ng. -f acn
not i ce, demand or request hereunder shal l be deemed
gi ven on t he
dat e i t i s del i vered, i n t he case of
personal servi ce, or t he dat e i t i s deposi t ed wi t h
the
postal
Servi ce, i n the case of certi fi ed or regi stered mai l .
That t he
part i es shal l hereby i rrevocabl y submi t t o t he excl usi ve
j uri sdi ct i on of t he
Court and Tri bunal s i n New Del hi f or
purposes of any sui t , act i on or ot her
proceedi ng whi ch rel at es t o t hi s deed. However i t i s cl ari f i ed t hat t he
j uri sdi ct i on i n
regard to i ecovery of arrear to be l ent to the empl oyees of BSNL wi l l be wi th the
rel pect i ve court i ri bunal wi t hi n whose
j uri sdi ct i on t he respect i ve l oan di sbursi ng
branch i s si t uat ed.
11 . That repayment of l oan shal l commence
to change from ti me to ti me wi thout
pri or
1 3 .
14.
15.
1 6
1 7 .
1 8 .
That no amendment ,
not i f i cat i on
shal l be effecti ve
unl ess i n wri ti ng
or rel ease
from or wai ver of any
provi si on hereof
and si gned bY the
Parti es.
That thi s deed may be executed
i n two
deemed an ori gi nal , but al l of whi ch
i nstrument.
That t hi s deed and t he ri ght s and obl i gat i ons
accordance
wi th and governed by the substanti ve
or more counterpafts,
each of whi ch shal l be
together
shal l consti tute
one and the same
hereunder shal l be const rued
i n
l aws of I ndi a.
1 9 .
l f any
provi si on hereof i s f ound by a court of compet ent
j uri sdi ct i on t o be
prohi bi t ed
or unenforceabl e
i t shal l be i neffecti ve onl y to the extent of such
prohi bi ti on or
unenf orceabi l i t y,
and such
prohi bi t i on or unenf orceabi l i t y
shal l not i nval i dat e t he
bal ance of sui rr
provi si on to the extent i t i s not
prohi bi ted or unenforceabl e,
nor
i nval i dat e t he ot her
provi si ons hereof .
In the event of any di spute or di fference
rel ati ng to; ari si ng from or connected wi th
thi s MOU, such di spute or di fference shal l be referred by ei ther
party to the
arbi trati on of one of the Arbi trators i n the Department
of Publ i c Enterpri ses to be
nomi nated by the Secretary to the Government
of l ndi a, i n charge of Bureau of
publ i c
Ent erf ri ses.
The Arbi t rat i on and Conci l i at i on
Act 1996 shal l not be appl i cabl e
t o t he Arbi t rat i on under t hi s cl ause. The award of t he Arbi t rat or shal l be bi ndi ng
upon t he
part i es t o t he di sput e,
provi ded, however, any
part y aggri eved by such
award may make a further' reference
for setti ng asi de on revi si on of award to the
Law Secretary, Department of Legal Affai rs, Mi ni stry of Law & Justi ce, Government
of I ndi a. Upon such ref erence, t h-e di sput e shal l be deci ded by t he Law Secret ary,
whose deci si on shal l bi nd t he
part i es f i nal l y and concl usi vel y.
The part i es i n t he
di sput e wi l l share equal l y t he cost of arbi t rat i on as i nt i mat ed by t he Arbi t rat or.
20. Thi s MOU shal l be bi ndi ng upon bot h t he
par t i es on al l I ndi a l evel .
21 . Ei t her part y can t ermi nat e t he MOU by
gi vi ng a not i ce of 90 days i n wri t i ng.
However, al l t he cl auses of t he MOU shal l be bi ndi ng and enf orceabl e i n respect of
out st andi ng l oans on t he dat e of t ermi nat i on i rrespect i ve of such t ermi nat i on.
ZZ. Al l ot her t erms and condi t i ons as per MOU shal l be appl i cabl e on bot h t he
part i es.
23.
24. Thi s agreement
i s val i d f or a peri od of t wel ve mont hs i . e. up t o 2Ot n August 2014'
l N WI TNESS WHEREOF, t he
part i es have caused t hei r respect i ve Common Seal t o be
affi xed to these presents on the day, month and year fi rst herei n above wri tten, at New
Del hi .
The Bank reserves the ri ght to amend
i t may be, wi thout
pri or noti ce, as per
to ti me.
Terms and Condi ti ons of the l oan whatsoever
Bank' s
pol i ci es and RBI gui del i nes f rom t i me
For and on behal f of
Bhar at Sanchar Ni gam Lt d.
BHARAT SANCHAR NI GAM LTD
For and on behal f of
St at e Bank of I ndi a
2)
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