Small Road and Water Transport Operators (SRWTO)

Self Employment Scheme for Exservicemen (SEMFEX)

Soft Loan Assistance for Margin Money (SLAMM)

All of these

Demand draft

Debit card

Pay order

Banker’s draft

Work on basics of commercial banks

Help the targetted groups

Keep lending rates lower than cooperative institutions

Work on innovative and adaptive ideals

If a cheque is not crossed

If a post dated cheque is issued

If a cheque drawn by him is dishonoured for insufficiency of funds in his account

Issuing a cheque without signature

which can be encashed only by the drawee

which can be encashed only through a bank

which can be encashed only at the State Bank of India

which can be encashed only after it has been transferred to another person