We would like to draw your kind attention on the subject matter pertaining to the justification and need of revising the Staff Loans particularly Housing loan, Vehicle Loan and Overdraft facility available in our bank. The need for revision has become necessary in view of escalation in the cost of properties and building materials. Similarly, the prices of vehicles have also escalated. You are aware that the last revision in Housing Loan and Overdraft Facility Scheme was made in 2022 and Vehicle Loan was revised in 2020(HO circulars enclosed for your ready reference).