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(e) Bank Finance extended to the beneficiaries of the schemes of National Scheduled Caste Finance & Development Corporation (NSFDC) Banks may charge interest at the rates prescribed under the schemes of National Scheduled Caste Finance & Development Corporation (NSFDC) to the extent refinance is available. Such lending, even if it is below the Base Rate, would not be considered as a violation of our Base Rate Guidelines. Interest rate charged on the part not covered under refinance should not however be below Base Rate.