DBOD.No. Dir.BC.83/21.04.012/98-99 August 18, 1998 Shrauana 27, 1920 (Saka) All Commercial Banks
	(excluding Regional Rural Banks) Dear Sir, Relaxations to trade and industry in the State of Jammu & Kashmir Please refer to our circular letter DBOD. No. BP. BC. 20/21.04.012/97 dated March 14, 1997 extending the period of concessions/credit relaxations to the borrowers/customers in the State of Jammu & Kashmir upto 31 March 1998. It has been
	decided that the existing concessions/credit relaxations to borrowers/customers in the State of Jammu and Kashmir will continue to be operative for a further period of one year i.e. upto 31 March 1999. 2. Suitable instructions may please be issued to your controlling/branch offices in this regard. Yours faithfully (C.R. Muralidharan) General Manager