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    <title>No Dues Certificates by Banks</title>
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    <description>Banks are advised to waive the no dues certificate requirement for small loans to small and marginal farmers and share croppers and to accept a borrower self-declaration instead, applying to scheduled commercial banks including regional rural banks and changing documentary compliance for these low value agricultural credits; no complaints of non compliance have been reported.</description>
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      <description>Banks are advised to waive the no dues certificate requirement for small loans to small and marginal farmers and share croppers and to accept a borrower self-declaration instead, applying to scheduled commercial banks including regional rural banks and changing documentary compliance for these low value agricultural credits; no complaints of non compliance have been reported.</description>
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