Section 10 in Low Income Group Housing Instructions the Government of Rajasthan

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State of Rajasthan - Section

Section 10 in Low Income Group Housing Instructions the Government of Rajasthan

10. lacs will be held in reserve with Government to meet any increased demand In any district. The progress of the scheme may also necessitate division of funds allotted as above. It is hoped that the funds allotted will permit you to grant loans without having to pick and choose between applicants who otherwise fulfill the conditions.

(b)In case an order of priority becomes necessary, priority should be given as follows:-First priority-To these who have no house of their own and within this class first to those whose income is below Rs. 1200 next to those between Rs. 1,201 to 3,000.Second priority-To those who already have house and within this class as above.Further provided that if it becomes necessary to make a selection from applications within one of the groups mentioned above, such selection shall be done by lot.(c)Co-operative House Building Societies should be given first priority of the highest class. The demand is not likely to be large.(d)The demands of the Local Bodies will also be met from the amounts indicated above. These demands should be notified to this Department with copies to the Local Self Government Department and separate orders will be passed in every case.XIV. Applications for loans.-(i) Applications for loans will be made in printed forms which are enclosed. Government will issue a press Note informing the public that they should get the application forms from your offices.(ii)Work relating to this scheme will be done by the following:Jaipur. (1) An R.A.S. officer for any year with effect from 1-5- 1954.

(2)One Accountant for two years in the First instance.

(3)One Accounts Clerk for two years in the First instance.

(4)One Upper Division Clerk for 2 years in First in First instance.

(5)Two Lower Division Clerks.

(6)Three Overseers for one year only.(Note-An Officer of the Public Works Department at the time of scrutiny of applications only will be deputed by Superintending Engineer, Jaipur).In the remaining towns the scrutiny of applications will be done by an Officer deputed by the Collector and an officer of the Public Works Department. The staff required to be recruited under the Scheme will be as under:-Jodhpur. One Accountant.One Accounts clerk (U.D.C.)One L.D.C.Two Overseers.(All for 2 years in the first instance except overseers for one year only.)for Bikaner Alwar. Kotah, Udaipur and Bharatpur, the staff to be recruited for the scheme will be as under:-One Account Clerk (U.D.C.).One L.D.C.One Overseer.(the overseer will be for one year only and the remaining staff will be for two years in the first instance).Local publicity should be undertaken to invite applications.XV. Upon receipt of these instructions the widest local publicity should be under taken to invite applications and a firm date by which these are to be received by you must be fixed and strictly adhered to. Your publicity should state where forms will be available. Simultaneously arrangements should be made for people to be conveniently able to get application forms from your office.XVI. In order to ensure that forms are not misused, a charge of 8 annas per application Form will be made. Blank forms will be kept in your custody. Disbursing clerk will receive counted numbers and would collect cash for them across the counter, pay in this cash each day and get recouped to the extent of forms disbursed.XVII. A minimum of 30 days should be provided between the date of commencement of issue of application forms and their return duly filled.XVIII. Detailed instructions for the receipt and scrutiny of application Forms will issue shortly alongwith financial instructions and sanction.Forms are being made available as under:-

Jaipur	3,200
Jodhpur	1,200
Bikaner	1,000
Udaipur	1,000
Kotah	500
Bharatpur	500
Alwar	500

[XIX. Receipt of applications.-(1) It should be seen that the entries of the application forms are filled in against all important items, particularly-Item 6-relating to income.Item 7-relating to land for building a house.Item 8-relating to the area and cost of the house and to ensure that a plan with an estimate of cost is attached.Item 9-relating to the amount of loan sought.

(2)After this preliminary scrutiny the Serial Number of the application from should be entered in column I of the loose leaf Register which should be maintained in Form LIGH 2.

(3)The Serial Number of the application should also be written at the back of the application from LIGH 1. which is marked for official use only.

(4)The applicant's name and serial number should be entered on the perforated slip which which should be detached and returned to the applicant.

(5)A date should be given when the applicant may except an answer, both on the perforated slip and at the back of the application from in the space provided for this purpose.

(6)After this, entries at column 2 to 4 of the Register in Form LIGH. 2 should also be completed.

(7)The applications should be sorted out in the order of priority, indicated at part XIII (b) of F. 188 (plan)/54. dated 28th April, 1955. arranged as between the various income groups, and as between the two broad classes First and Second. Separate bundles should be arranged, in each bundle first putting those applications where the applicant has a site to build (Item 7(a) of the Form LIGH 1).

(8)Co-operative House Building Societies should be treated for purposes of this paragraph in the same way as individual applicants, except that they may not apply in the Form LIGH 1, but by ad hoc correspondence which, however, must give information on the following points:-

(a)Name of Society.

(b)Registration Number and Particulars to show its authenticity .

(c)Its registered address.

(d)The name and address of its office bearer who conducts business on its behalf.

(e)Its composition-Number of members and certificate to the number of members earning less than Rs. 6,000 per annum each.

Note:-The idea is that under tills scheme even the Cooperatives should build houses only for such of their members as have an income of less than Rs. 6,000 per annum.

(f)The number of sites for building, which it proposes to use, their location, and the area of each.

(g)The cost of each house individually or in groups which it proposes to construct.

(h)The amount of loan it requires and how this has been calculated.

(i)A certificate to the effect that it will spend 20 percent of the cost of the land and houses itself.

The application should then be routed through the Assistant Registrar, Co-operatives, concerned, who should be asked for his comments on it.XX. Recommendations of Loans on Applications. -(1) scrutiny should next be carried pot by the Headquarters Officer nominated by the Collector together with an officer of the P.W.D. (Buildings and Roads). The Collector will arrange for this assistance through the local Executive Engineer. The Executive Engineer or his Assistant Engineer, as the case may be will assist in the scrutiny of loan applications and will also assist, the Collector in the technical aspects of the Scheme, should be help necessary. Government have approved this procedure and the Chief Engineer, P.W.D. (B & R.), is being requested to issue instructions accordingly to this officers.

(2)Space has been provided at the back of Form LIGH I. for the recommendation of these two officers. Points (a) to (f) have been mentioned, as particular interest and importance to be kept in mind when deciding the case. Space have been provided to make the briefest remarks or comments to serve as memorandum for the future. Item (9) admits of any other impressions which seem relevant.

(3)Having considered each application against the provisions of the amount allocated for various classes of loanees (see paras 11 and VI), the two officers will record their recommendation as to the amount of loan to be given. The P.W.D. Officers will advise particularly as to whether the estimated cost seems correct, the plan generally found, etc.

(4)In the Form LIGH. 1, there is an entry, regarding the class of the application. This classification should be done as follows:-A: Where the applicant has a plot [item 7 (a) of Form] but does offer surety [item 14 (a) of Form].B: Where the applicant has a plot but does not offer surety.C: Where the applicant does not yet have a plot [item 7(c) of Form but does not offer surety [item 14 (a) of Form],D: Where the applicant does not yet have a plot, and does not offer surety.

(5)Where the two officers consider the loan should not be granted, they should write "Reject" in the space provided against the entry "and recommend a loan of Rs.------------".

(6)There may be instances where the officers are not satisfied with the information in the Form, or are suspicious of its authenticity, or for other reasons wish further inquiry to be made. In such a case these Forms should have a separate slip attached to them, with such directions as the officers wish to indicate. Enquiry should be made, as far as possible, by by local arrangements, through existing staff working under you. Arrangements for this kind of inquiry, and earmarking of personnel for it should be done in advance. It will be realised that such scrutiny will only be possible done in advance. It will be realised that such scrutiny will only be possible in a limited number of cases. When an inquiry is ordered in this way in order to keep tract of papers, the clerk should make a pencil entry in the remarks column of Register LIGH 2. showing the person to whom the inquiry has been sent, the date fixed for the return of the papers, and the date on which papers have been sent for inquiry.

(7)After the two officers have made recommendations on the applications, these should be returned to the clerk who will prepare, or receives the applications back, a rough statement showing the value of loans recommended by the two officers. This statement will be in Form LIGH 2 A, the return being kept on separate pages for each priority income group. Under columns 2 to 5 he will show the money recommended by the two officers as a loan showing A class loanees under column 2,B class loanees under column 3 and so on. Where a rejection has been recommended, he will make an entry to the effect in the remarks column. Where Further inquiry is to be made on an application, it should not enter statement LIGH 2A till final recommendations have been made by the two officers. The idea behind this statement is to be able to total up, at short notice, the value of loans recommended, in each class, so as to assess your requirements of money and its phasing.

(8)The two officers should also make recommendations on a separate attached note in regard to any applications from Co- operative House Building Societies.XXI. Final orders by Collector.- (1) You should stop receiving applications at your discretion-keeping in view the amount made available to you.

(2)Your office will work out the phasing of your requirements on the basis of the statements provides for loans to persons who have kind and will provide surety. This means that 20 per cent of the recommended will be needed immediately; another 50 per cent say after 3 months when the house is at plinth level; and the final instalment of 30 per cent in a further 2 months or so when the house is at roof level. In this way a fairly accurate idea of requirement will be available for Class A loanees. Similarly figures should be worked out for the other classes, and a picture of the total demand made available.

(3)You will, then, pass final orders on the applications in the space provided for the purpose on Form LIGH I. In doing so you will bear in mind the amount made available to you. possible short falls in drawing loans, and all other relevant material.

(4)You will also pass orders in regard to any applications from Co-operative House Building Societies.XXII. Intimation to applicant. - (1) The next stage in operations will be informing applicants of the decision taken. At this stage- a separate file should be opened for each loan to be sanctioned and for convenience of reference these files should be arranged in serial order of the application number as given in Register LIGH 2. Application which have been rejected may be kept together, arranged in serial order of their application number as given in Register LIGH 2. Applications which have been kept pending should be kept together, in similar order. When at any time in future, on of these applications is taken up for a loan, a separate file should be made for it.

(2)With regard to applications which have been rejected the applicants should be informed in Form LIGH 9, after cutting out the portion beneath the line. The applicant may be informed by post, or if he calls at the office, the reply in Form LIGH 9 handed over to him. When the reply issues, the necessary entry should be made at column 5 of Register LIGH 2.

(3)Where an application has been kept pending.the applicant should be informed in Form LIGH 9, after committing the reference to rejection. A date should be filled in, on an estimate, of when a decision will be possible. At column 5 of Register LIGH 2 an entry of this date should also be recorded, so that if possible, a decision is made in time.XXIII. Accepted applications. - All applications for which a loan has been ordered will now have a separate file. Also, all applications will have been classified, ABC or D by the officers. The procedure for conveying orders will differ some what for each class ABC and D and is described separately below.XXIV. Class A applications. - (1) Class A comprises applicants who have site for the construction of a house, and have agreed to furnish surety for the loan. In their case the following documents shall be prepared.

(2)Letter in Form LIGH 3-The following instructions regarding some of the entries in this form will help in an understanding of it:-

(a)Reference number of Applicant-Here give the number allotted to the applicant at column 1 of Register LIGH 2. which number will also be available on the application Form LIGH I at the top of the entries marked "for use in office only".

(b)Para I of LIGH 3-Here fill in the total amount of loan sanctioned.

(c)Para 2- under item(1) show 20 per cent of the loan to the nearest Rs. 10: at item (ii) 50 per cent to the nearest Rs. 10. and at item (iii) the balance, which will subject to the above rounding, be 30 per cent. The total should conform to the figure at paragraph 1 of the letter.

In item (ii) for class A loanees, cut out the words in brackets "(provided agreement is signed)" as they do not apply to this class of loanees.

(d)Para 3-No comments at this stage, as the enclosures mentioned are dealt with at (3) and (4) below.

(e)Para 4-No comments.

(f)Para 5- No comments.

(g)Para 6- No comments.

(h)Para 7 The idea behind this is that you should not have to keep offers of loans open indefinitely and should be able to assume that a loan will not be utilised if it is not taken up within 30 days.

(i)Para 8-Space is provided for any amplification, or special instructions relating to the applicant.

(3)Form LIGH 4 is to be enclosed in duplicate in the forwarding letter at Form LIGH 3. Both copies should be filled in accurately by the Clerk except that the following entries will be left blank at this stage;

(a)Preamble date on which agreement made. This will be filled in when the applicant returns the signed agreement.

(b)Signature of person singing on behalf of Government and dates will be filled in when the applicant returns the signed agreement.

In item (6) the words in brackets should be cut out if there is no encumbrance on the land.

(4)Form LIGH 5 is to be enclosed in duplicate with the forwarding letter at Form LIGH 3. You should fill in the entries at the top before sending the Form.

(5)The Clerk will also prepare one office copy of Form LIGH 3 which should be attached to the file of the applicant. He should, if the applicant calls, hand over the letter with enclosures, to him, and made an entry at column 5 of the Register LIGH 2. The entry under "answer given" should merely state "LIGH 3 with two copies each of Forms LIGH 4 and 5". If the applicant does not call, the documents should be sent by post (Registered/AD), a similar entry being made at column 5 of Register LIGH 2 with an indication that the documents have been sent by post (Registered/AD).XXV. Class B Applications. -(1) Class B comprises applicants who have a site for the construction of abuse, but who are not going to provide surety. The main difference in practice between them and class A will be that they will not be due an instalment of the loan till the house gets to plinth level. They will receive the loan in two instalments. 50 per cent when the house is at plinth level and 50 per cent when it gets to roof level. In their case the following documents shall be prepared :

(2)Letter in LIGH 3-The instructions at sub -part (2) of para XXIV will apply except for the following modifications-

(a)Para 2 of Form LIGH 3-Cut out item (i): at item (ii) show 50 per cent of the loan; and at (iii) the balance. Do not omit the words in brackets at item (ii).

(b)Para 3-cut out words in brackets, as no surety will be required.

(3)Form LIGH 4 is to be enclosed in duplicate and the instructions at para XXIV (3) will apply except that

(a)at item (1) you will cut out reference to an instalment :on the execution of this deed", etc.

(b)item 11 (a) shall be omitted as the loanee will receive money only after he has constructed to plinth level.

(4)The procedure at para XXIV (5) will apply.XXVI. Class C application. -(1) Class C comprises applicants who have not at the time of their application got a building site, but who have agreed to provide surety. As possession of a building site is an essential requirement before money is advanced, the procedure in regard to these applicants will be as indicated below.

(2)Letter in Form LIGH 6. The instructions regarding the filling of Form LIGH 3 under class A loanees will apply in full [para XXIV (2)]. The only difference is that para 1 of the letter makes the grant of the first instalment conditional on evidence of possession of land for construction.

(3)The enclosures to the letter at LIGH 6, will be-Form LIGH 4 in duplicate [instructions as at para XXIV (3)].Form LIGH 5 in duplicate [instructions as at para XXIV (4)].Form LIGH 7 single copy in which you will fill in item 1 to 3 at this stage.

(4)The procedure at para XXIV (5) will apply: in column 5 of Register LIGH 2 the entry will be "LIGH 6 with two copies of LIGH 4 and LIGH 5 and one of LIGH 7."XXVII. Class D application. -(1) Class D consists of applicants who do not have land for building at the time of applying and who do not wish to provide surety. The difference between them and the Class C is that they will not only have to provide evidence of possession of land, but will not be able to draw the first instalment of the loan till they have built the house to plinth level.

(2)These applicants will be addressed in Form LIGH 6 mid the instructions at para XXV (2) in regard to Class B loanees will apply.

(3)Enclosures to their letter will be :-Form LIGH 4 two copies [instructions at para XXIV (3) ]Form LIGH 7 Single copy, in which you will fill in item 1 to 3 at this stage.

(4)The procedure at para XXIV (5) will apply: at column 5 of Register LIGH 2 the entry will be "LIGH 6 with two copies of LIGH 4 and one of LIGH 7".XXVIII. Co-operative House Building Societies.- Co-operative House Building Societies will be treated as Class A of this section even though they will not be required to provide surety. Letters to them will be written they will not be required to provide surety. Letters to them will be written on an as hoc basis, and they will be required to execute an agreement in Form LIGH 4, suitably amended. Entries in Register LIGH 2 will one of LIGH 7".XXIX. Payment orders for First Instalment (Class A and C) and further action required (Class B and D).-(1) The next stage in the procedure will be the return by the loanees of the agreement Form, mid other documents, if any.The documents will be :-Class A loanees,

(i)Agreement Form LIGH 4 (two copies).

(ii)Surety Form LIGH 5 (two copies).

(iii)Evidence that the house has been approved for construction by the local body concerned.

Class B Loanees-Class C Loanees-Class D Loanees-Item (i) and (iii) above.Items (i),(ii) and (iii) and (iv) LIGH 7.Items (i). (ii) and (iv).

(2)On receipt of these documents the Clerk will-

(a)check up that the Agreement Form LIGH 4 has been correctly filled up, signed and witnessed:

(b)do similarly, where relevant in regard to the surety Form LIGH 5:

(c)check up that the evidence regarding approval of the plan by the Local Body concerned is there:

(d)check up that, where relevant. Form LIGH 7 has been provided.

If applicant calls personally any errors or omissions should be brought to his notice, and the documents returned to him for connection. If the applicant sends the documents by post, errors will have to be pointed out to him in writing.

(3)Having checked up the above the Clerk will make an entry at column 6 of the Register LIGH 2, and will issue a receipt to the applicant in Form LIGH 8.

(4)Each case will then have to be put up to the Headquarters officer and the Collector for signing of the agreement Forms. At this stage the Head quarter's Officer will have to scrutinize the material carefully to see that the requirements are met, as once the agreement is signed the commitment to a loan will be final.

(5)The Collector will sign both copies of the agreement Form on behalf of Government and the case will then be complete or further action.XXX. Class A Loanees -Payment Order.-(1) For Class A Loanees it will now be possible to advance the first instalment of the loan, and for the purpose the letter at Form LIGH 10 will issue. This is a composite letter dealing with all classes of loanees, and all instalments of loans, and it is important that it should be understood, so that only entries relevant to the occasion are used. At this stage it is to be used for sanctioning the first instalment of the loan to a class A loanee and the following instructions will apply-

(2)Letter in Form LIGH 10-

(a)Paragraph 1-One copy of the agreement in Form LIGH 4 should be attached to the letter, and the second copy filed with the applicant's papers.

(b)Paragraph 2-State amount of first instalment which will be 20 per cent of the loan, rounded to the nearest Rs. 10. Also, include copy of a payment order, which is discussed at (3) below.

(c)Paragraph 3-No comments.

(d)Paragraph 4- Enclose copy of Form LIGH 12, so that progress reports are sent. In the blank space the first progress report should be asked for at the end of the current quarter, March, June, September or December, as the case may be.

(e)Paragraph 5-Here state at this stage 'second' in the blank space provided: the amount of the second instalment, and cut out the word, 'roof.

Enclose copy of Form LIGH 13 after filling up items 1 to 3.

(f)Paragraph 6-Should be cut out, as it is not applicable at this stage.

(3)The enclosures to the letter at Form LIGH 10 will be-

(i)Copy of agreement in Form LIGH 4.

(ii)Copy of payment order to Treasury in Form LIGH 11.

(iii)One copy of Form LIGH 12.

(iv)One copy of Form LIGH 13.

Of these items (i), (iii) and (iv) are self-explanatory. With regard to item (ii) this should be filled up in complicate, the first copy marked original' the second 'duplicate' and the third 'triplicate' and the fourth office'. The original and duplicate should be sent to the Treasury concerned, who will return the duplicate after making payment: the triplicate should be included in the letter LIGH 10 to the loanee: and the office copy should be kept on record with his file.

(4)After making documents as above, these should be made over to the loanee, if he calls, or posted to him and payment order in Form LIGH 11 sent to the Treasury in duplicate. The Clerk should then make an entry at column 7 of the Register in Form LIGH 2. Under details he should state LIGH 10 with copy LIGH 4, 11, 12 and 13:2 copies LIGH 11 to Treasury.

(5)The Clerk should also at this stage open a page in the Ledger Account to be maintained in Form LIGH 16. He should fill in all in columns 1 to 4 of entries against the first instalment. A separate page should be allotted to each loanee, and an index prepared in alphabetical order of names and placed at the beginning of the Register, showing the page where a particular loanee's account will be found.XXXI. Class B Loanees -Return of Agreement.-(1) In the case of Class B loanees it will not be possible at this stage of actually sanction payment of a loan to them, as they will first have to construct the house to plinth level, in view of the fact that no surety is offered. The procedure will be as follows:-

(2)Letter in Form LIGH 10-

(a)Paragraph 1 -One copy of the agreement should be returned, the other being retained on the file of the applicant.

(b)paragraph 2-this para will not apply at this stage and should be cut out of the reply.

(c)Paragraph 3-This para will not apply at this stage and should be cut out of the reply.

(d)Paragraph 4-This para will not apply at tins stage and should be cut out of the reply.

(e)Paragraph 5-ln the first blank put in first and in the second 50 per cent of the amount to be given Cut out the word "rooF; A copy of Form LIGH 13 should be enclosed, after filling in item 1 to 3.

(f)Paragraph 6 should be cut out as it is not relevant at this stage.

(3)The enclosures to the letters at LIGH 10 will be:-

(a)Copy of Agreement in Form LIGH 4.

(b)Copy of Form LIGH 13.

These require no explanation.

(4)After making documents as above, these should be made over to the loanee, it he calls, or posted to him. The Clerk should make a pencil entry in the Remarks Column of Register LIGH 2 stating "LIGH 10 with copy LIGH 4 and 13". No further action is required at this stage.XXXII. Class C Loanees- Payment Order.-This class of loanees will now be eligible to receive the first instalment of the loan, and action identical to that at paragraph XXX should be taken in regard to them.XXXIII. Class D Loanees- Return of Agreement. -Action in regard to these should be identical at this stage, as that for class B loanees (paragraph XXXI).XXXIV. Co-operative House-building Societies.-Co-operative House- building Societies shall be treated on the basis of correspondence, in the same manner as class A loanees. They will not however, be required to provide a certificate in Form LIGH 13 but to report construction of houses up to plinth level, through the Assistant Registrar concerned. They will have to submit progress reports in Form LIGH 12, in respect of groups of houses being constructed simultaneously.XXXV. First Instalment of loan for Class B and D Loanees.- When a loanee of Class B and D has produced evidence that he has constructed a house up to plinth level, he will be due the first instalment of the loan sanctioned for him. The evidence will be received in form LIGH 13. and should be examined carefully to see that it has been properly filled in and attested, when this has been done, a letter should issue to the loanee in Form LIGH 10, keeping the following instructions in mind for this stage.

(a)Paragraph 1-Omit by crossing out.

(b)Paragraph 2- Put in the word "first" in the first blank space, the amount of money due (which will be 50 per cent of the loan sanctioned) in the following blank. Also enclose copy of payment order in Form LIGH 11.

(c)Paragraph 3-No Comments.

(d)Paragraph 4-Enclose copy of Form LIGH 12, so that progress reports are sent. In the blank space provided in the paragraph put in the end of the current quarter March, June, September or December, as the case may be.

(e)Paragraph 5- Here state "final" in the blank space provided: the amount of the second instalment, and cut out "plinth" Attach copy of Form LIGH 13.

(f)Paragraph 6- To be cut out at this stage.

(2)The enclosures to the letter LIGH 10 will thus be:

(i)Copy of payment Order in LIGH 11.

(ii)Copy of LIGH 12;

(iii)Copy of LIGH 13:

(ii)and (iii) explain themselves. Regarding (i) the instruction at paragraph XXX (3) will apply.

(3)Further procedure will be as at paragraphs XXX (4) and (5) except that no mention should be made of Form LIGH 4.XXXVI. Second Instalment of Loan for Class A and C Loanees.-(1) The Second Instalment of the loan to Class A and C loanees will be due on production of evidence that their house has been built to plinth level. The evidence will be produced in Form LIGH 13. and should be examined carefully to ensure that it is properly filled in and certified. When this is done, a letter should issue to the loanee in Form LIGH 10, with the following instructions in mind:

(a)Paragraph 1-Omit.

(b)Paragraph 2-In the blank spaces put in the word "Second", the amount of money due (which will be 50 per cent, of the loan to the nearest Rs. 10). Enclose copy of payment order in LIGH 11 to be drawn up as indicated at paragraph XXX (3).

(c)Paragraph 3-No comments.

(d)Paragraph 4 Omit as the loanee has already been asked to send progress reports when the first instalment was sanctioned.

(e)Paragraph 5- Here state "final" in the blank space provided: the amount of the last instalment and cut out the word "plinth". Attach copy of Form LIGH 13.

(f)Paragraph 6-Omit.

(2)The enclosures will thus be-

(i)Payment Order LIGH 11.

(ii)Copy of LIGH 13.

(3)After making documents as above these should be made over to the loanee, if he calls, or posted to him and payment Order in Form 1 1 sent to the Treasury in duplicate. The Clerk should then make an entry at Column 8 of the Register LIGH 2. Under "details" he should state, "LIGH 11 and 13: 2 copies LIGH 11 to Treasury."

(4)The necessary entries should also be made at Columns 1 to 4 of the applicant's Ledger Account in Form LIGH 16. against the "Second" instalment.

(5)In the case of Co-operative House building Societies the instructions a para XXXIV will apply.XXXVII. Final Instalment of Loan for all Classes.-(1) In the cases of Class A and C loanees, the third instalment will be final, and in the case of class B and D loanees the 2nd instalment. In the first classes it will be 30 per cent of the loan and in the latter 50 per cent the final instalment is contingent on evidence in Form LIGH 13 that the house has got to roof level. When this evidence is produced it should be examined for correctness, and a letter in Form LIGH 10 issued as follows.

(a)Paragraph 1-Omit.

(b)Paragraph 2_ln the blank spaces provided put in the words "final": the amount of money now to be given. Enclose copy of a payment ORDER in Form LIGH 11 to be drawn up as indicated at paragraph XXX (3).

(c)Paragraph 3-No comments.

(d)Paragraph 4-Omit.

(e)Paragraph 5-Omit.

(f)Paragraph 6-Prepare a statement in Form LIGH 14 to include in your letter. Instructions regarding this statement are at (2) below.

(2)The enclosures to the letter in Form LIGH 10 will thus be :-

(i)Payment Order LIGH 11, and

(ii)Statement in Form LIGH 14:

With regard to Form LIGH 14, the following instructions should be kept in mind.

(a)It is most important that the statement sent should be accurate and complete. The Head Quarter's Officer will have to satisfy himself personally of their correctness, and sign them himself.

(b)Item 1 to 4 of Form LIGH 14-No Comments.

(c)Item 5(a)-No comments.

Item 5(b)-No comments.Item 5(c)-Equated instalment should be worked out on the basis of the amount of interest and the 30 instalments.Item 5(d)-The date here will be the date of the sanction of the first instalment[the same as at 5 (a)] and payment will start in the year following.

(d)Item6- Whereas at item 5, interest has been included on the basis of an equated instalment during the first year in fact the loanee will not have had the whole money for the whole year. You will, therefore, deduct at the rate of interest charged, interest for the number of days involved, for that portion of the loan which was not given with the first instalment. To this extent the equated instalment for the first year will be reduced.

(3)After making documents as above these should be made over to the loanee, if he calls, or posted to him, and payment Order in Form LIGH 11 sent in duplicate to the Treasury. A copy of the Statement LIGH 14 should also be sent to the Treasury concerned for information and record. The Clerk should then make an entry at Column 9 of the Register LIGH 2. Under "details" he should state "LIGH 10, with copy of LIGH 11 and Statement LIGH 14; 2 copies of LIGH 11 and Statement LIGH 14 to Treasury".

(4)The necessary entries should also be made at columns 1 to 4 of the applicant's Ledger Account in Form LIGH 16, against the "final" instalment. Entries should also be made at the top right hand corner of the Ledger Account.

(5)For Co-operative House-Building Societies the above procedure will also be followed. They will have to submit evidence of construction up to roof level through the Assistant Registrar.XXXVIII. The Repayment of Loans. - (1) The Repayment of loans should be carefully watched and prompt and steady action taken against defaulters.

(2)You should draw up a list of loanees in Form LIGH 17, one sheet for each month, a loanee appearing in the list for a particular month depending on the month in which his date for repayment falls. At the initial stage columns 1 to 3 of this register should be filled in. For convenience of reference names should be entered in alphabetical order.

(3)The Officer in charge of the Treasury should be required to send a monthly statement in Form LIGH 15, relating to repayments made to him.

(4)With the assistance of the return in Form LIGH 15 you will make necessary entry in the Ledger Account of the loanee in Form Light 16 (column 6 to 9). You will also make entries in Form LIGH 17 (column 4 onwards). The amount need not be stated here, but merely the fact whether payment has been made or not.

(5)The statement in Form LIGH 16 should be studied regularly by the Head Quarters' Officer, and put up with comments once a quarter to the Collector. On the basis of this study, suitable action should be taken to pursue loanees who are in default. Strict, action to obtain repayments must be taken promptly and pursued regularly.

(6)With effect from August, 1056, a monthly statement should be submitted to Government in this department in Form LIGH 18 to arrive by the end of the month following that to which it relates. The first statement for August, 1956, should arrive by the end of September. It will be fairly easy to prepare this statement if Register LIGH 17 is kept up to date.XXXIX. Cash Book.-An account of the allotment of funds made by Government for advancing of loans, the loans advanced from time to time, and the recoveries made, should be kept in a Cash Book to be maintained in the usual Form for this purpose, so as to be able to tell you at short notice the exact position at any given time.XL. Reports to Government.-(1) You will please send to Government in this Department, starting from August, 1955 to arrive by 15th September. 1955 and subsequently by the 15th of the month following that to which it relates a Statement in Form LIGH 19. During the first six months of the Scheme you will also forward with this statement note showing of the Scheme you will also forward with this statement a note showing roughly your likely disbursement and needs for the following six months, showing your estimate of needs for each month. It it realised that this note will have some element of guess work in it, but it is necessary to have some kind of estimate so as to plan the allotment of funds to you from time to time.

(2)You will please send to Government in this department quarterly, starting with the quarter ending july, 1955, a report so as to get to Government by the end of the month following that to which it relates, a progress report in Form LIGH 20. This is to serve the basis of a quarterly report desired by the Central Government, Who have in-Formed this Government that unless the progress of work under the Scheme is satisfactory. steps to withdraw money placed at its disposal may be necessary.XLI. Miscellaneous.-(1) Several forms and registers have been prescribed for this scheme, which may initially present a Formidable appearance, but in fact are likely, provided the basic instructions are properly understood and carried out, to make work much smoother. A great deal of use of these Forms can also be made to check up on the progress of work from time to time, and they should be utilised for this purpose. To give one example, Form LIGH 2 should tell, at short study, the general progress being made in dealing with applications, where there are delays, etc.

(2)It is possible that after the first stage of applications has been received and dealt with, there may be money available because people are in fact not coming forward for loans as originally anticipated In such event, it may be necessary to allow further applications, either in one instalment, or by throwing the field open for people to apply as they wish. You should keep a look out for any such need and inform Government in good time with a proposal for approval by them.XLII. Loans to Local Bodies. - The Local Bodies should be advised by you to apply for the grant of loans under this Scheme, so that their applications get to you not later than the 15th of August, 1955. The applications should, inter alia, furnish the following particulars in each case:-

(1)the number of houses to be built:

(2)the description of the site/sites on which these are to be built, with area:

(3)the average cost of a house;

(4)the average cost of site;

(5)the total cost of all houses to be built, including the cost of the relevant sites;

(6)the total cost to be met by the local body from its own resources;

(7)the amount of loan demanded subject to a maximum of Rs. 2,800 per house or 80 per cent of the cost of a house including the cost of land, whichever is less;

(8)the name and address of the Office holder, who will conduct the transaction with Government on behalf of the Local Body and execute the prescribed documents.XLIII. The application should be scrutinised in your office and forwarded to the Secretary to Government of Rajasthan LOcal self Government Department with your comments, not later than the 25th August, 1955. The latter will deal with the applications and transmit them to the the Additional Chief Secretary to the Government of Rajasthan, Planning and Development, with his recommendations not later than the 5th September 1955. Government will be convey sanction not later than the 15th September, 1955 and will also please funds at your disposal. The Local Bodies should be advised that in the interim period they should make all preliminary arrangements for building houses so that as soon as they receive the loans, construction work is started and completed not later than end of March, 1956.On receipt of the allotment of funds you should advance loans to the various Local Bodies concerned In one instalment after completing such Formalities are required to be fulfilled for the grant of loans to Local Bodies.XLIV. In connection with the loans given to Local Bodies the following forms, with the instructions against them will apply:-

(1)Form LIGH 12-Local Bodies will be required to send you quarterly progress reports in this Form. They may group together houses of the same class, under part B of this Form, or deal with individual houses, care being taken that information is given about all the houses under constructions by them.

(2)Form LIGH 14- While this Form itself is not suitable for Local Bodies, when you advance the loan to them (in a single instalment) they should be informed:-

(a)of the date from which interest will be due, which will be the date you sanction the loan;

(b)the equated instalment of principle and interest payable in 30 instalments;

(c)the date by which each year the instalment is payable, and the year in which repayment will start. The last will be the year following that in which the loan is given.

A copy of your instructions should be sent to the Treasury concerned to watch the repayment of the loan.

(3)-LIGH 15- The Treasury should include repayment by LOcal Bodies, in its statement, giving the names of Local Bodies at column 2.

(4)LIGH 16-A ledger account for each local body should be kept in this form.

(5)Form LIGH 17-A ledger account for each local body should be kept in this form.

(6)Form LIGH 18-While this Form need not be used information regarding Local Bodies should be sent separately to Government starting from September, 1956 giving for each local body-

(i)the amount of Loan sanctioned:

(ii)the amount due up-to-date:

(iii)the amount repaid:and

(iv)remarks.

(7)Form LIGH 20- Information regarding loans advanced to LOcal Bodies should be included in this Statement, showing figures for Local Bodies separately. Since the loan to them is to be sanctioned in a single instalment, the total figures of advances will be shown under columns 6 and 7 and not at columns 3, 4 and 5.XLV. Forms. - Initially 15 copies of each from are being supplied to every district where the scheme is in operation. Some of these Forms are either simple or will be required in small number. Government have under consideration the issue of printed most of these Forms and the same will be supplied to you as available:Forms LIGH 4 and 5 relate to security Bond and surety Bond and will shortly supplied to you in printed form.XLVI.-Separate orders are under issue conferring necessary powers for the disbursement and recovery of loans and also declaring Collectors as disbursing, drawing and collecting officers. These orders will also show the Head of Account for the scheme.] [Items XIX to XLVI added by planning & Development Department's Notification No. F 188 (plan) 54. dated 12-7-1955.]vkfFkZd n`f"V ls detksj ,oa vuqlwfpr tkfr ds yksxksa dks vkokl fuek.kZ ;kstuk ds vUrxZr _.k(State and Service Scheme)uxjh; fodkl ,oa vkoklu xzqi 5 foHkkx] t;iqjdzekad F. 9 (26) u% fo% vk% 5&85] fnukad 24&12&1985 leLr ftyk/kh'k] vkoklfo"k; & vYi vk; oxZ vkokl ;kstuk

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State of Rajasthan - Section

Section 10 in Low Income Group Housing Instructions the Government of Rajasthan