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Fair Practices / Code of Conduct:

TMB adopts a very fair practices code which is fully documented, published and strictly followed by all the people at the bank. This fair practices code document gives details about the following:

Information published in the Document:

• Application for Loan / Advances & Schedule of Charges.
• Nature of Loan Application.
• Schedule of Charges Payable for Fund Based and Non - Fund Based Limits.
• Processing Charges Refundable.
• Pre - payment Option.
• Time limit for disposal of credit proposal.
• Loan Appraisal Terms & Conditions
• Minimum Margin for working capital limits.
• Collateral Security Conditions.
• Interest Calculation.
• Credit Rating.
• Eligibility Criteria for Credit Rating.
• Disbursement of Loans including Changes in Terms & Conditions.
• Schedule of Penal Interest.
• Exemptions from Penal Interest.
• Post Disbursement Supervision.
• Other General Terms and Conditions.
• Grievance Redressal Mechanism.

Click to Download the Complete Fair Practices Code Document (PDF) for your reference and printing.