Section 2(1)(w) in The Energy Conservation (Partial Risk Guarantee Fund for Energy Efficiency) Rules, 2016
(w)"Trust and Retention Account" means a pass-through account, created within a Trustee Bank, which may be the participating financial institution itself, by signing an agreement between the participating financial institution, the borrower and the beneficiary through which all proceeds in a particular energy efficiency project under the scheme would be routed by the beneficiary.