J&K GRAMEEN BANK, INFORMATION TECHNOLOGY DEPARTMENT… · J&K Grameen Bank (JKGB), was established on 30th June 2009 after amalgamation of two erstwhile RRBs viz. JRB and KRB in accordance

Ref No. JKGB/IT/19-295 dated 19-04-2019

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J&K GRAMEEN BANK,

INFORMATION TECHNOLOGY DEPARTMENT,

HEAD OFFICE JAMMU, 180006

J&K - INDIA

REQUEST FOR PROPOSAL (RFP)

FOR

SUPPLY/INSTALLATION/CUSTOMIZATION/TRAINING/SUPPO

RT & MAINTENANCE

OF

Centralized & Integrated

Biometrics Attendance

System On CAPEX Model


2

INDEX

S.No. Particulars Page No. I. Disclaimer

6

II. Control Sheet Table

7

1. Purpose

8

2. Introduction &

Operations

9

3. Biometric

Attendance System

Requirements

9

3.1 Interfaces 9

3.2 Functional

Requirements 9

3.3 Technical

Specifications 10

4. Broad Scope Of

Work

10

4.1 Sub-

Contracting

And Non-

Assignment

11

5. Eligibility Criteria 12 6. Tender Document

And Fee 13


3

7. Earnest Money

Deposit 13

8. Performance

Guarantee

14

9. Submission Of

Offer -Two Bid

System

15

10. Period Of Validity

Of Bid

17

11. No Commitment To

Accept Lowest Or

Any Offer/Bid

17

12. Bank’s Right To

Accept Any Bid

And To Reject Any

Or All Bids /

Cancellation Of

Tender Process

18

13. Preliminary

Scrutiny

18

14. Evaluation Of Bids

19

14.1 Evaluation

Process

20

14.2 Overall

Evaluation

Marks

21

15. Compliance With

Statutory And

Regulatory

Provisions

22

16. Intellectual

Property Indemnity

& Indemnity

Against Misuse Of

License

22

17. Format For 22


4

Technical Bid

18. Format For

Commercial Bid 24

19. Other Terms &

Conditions 25

20. Payment Terms 26 ANNEXURE-1 Covering

Letter

27

ANNEXURE-2 Functional Requirements For BAS

29

ANNEXURE-3 Technical Specifications For BAS

31

ANNEXURE-4 Reporting For BAS

34

ANNEXURE-5 Details Of The

Bidder

35

ANNEXURE-6 Format For

Bank

Guarantee

37

ANNEXURE-7 Performance

Bank

Guarantee

39

ANNEXURE-8 Service Level

Agreement

42


5

ANNEXURE-9 Mutual

Nondisclosure

Agreement

61

ANNEXURE-10 All Offices

And

Branches

66


6

I. DISCLAIMER

The information contained in this Request for Proposal (RFP) document or subsequently provided

information to bidders, whether verbally or in documentary form by or on behalf of J&K Grameen

Bank (JKGB), or any of their employees, consultants or advisers, is provided to bidders on the terms

and conditions set out in this RFP document and any other terms and conditions subject to which

such information is provided.

This RFP document is not an agreement and is not an offer or invitation by the JKGB to any other

Party. The purpose of this RFP document is to provide interested parties with information to assist in

formulation of their Proposal. This RFP document does not purport to contain all the information

each bidder may require. This RFP document may not be appropriate for all persons or entities, and

it is not possible for JKGB, their employees, consultants or advisors to consider the investment

objectives, financial situation and particular needs of each party who reads or uses this RFP

document. Certain bidder may have a better knowledge of the proposed project than others. Each

bidder should conduct its own investigations and analysis and should check the accuracy, reliability

and completeness of the information in this RFP document and obtain independent advice from

appropriate sources. JKGB, its representatives, their employees, consultants and advisors make no

representation or warranty and shall incur no liability under any law, statute, rules or regulations as

to the accuracy, reliability or completeness of the RFP document.

JKGB may in their absolute discretion, but without being under any obligation to do so, update,

amend or supplement the information in this RFP document.

Some of the activities listed to be carried out by JKGB as a part of the tendering process or the

subsequent implementation are indicative only. JKGB has the right to continue with these activities,

modify the sequence of activities, add new activities or remove some of the activities, in their best

interests.


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II. CONTROL SHEET TABLE

Tender Reference Number: JKGB/IT/19-295 dated 19-04-2019

1 Date of commencement of sale of Bidding

Document

19.04.2019

2 Pre-bid Queries to be submitted on or before

30.04.2019

3 Last date, time & Venue for submission of Bid

Documents 10.05.2019 , 5 p.m. IT Department, Head Office

J&K Grameen Bank,

Narwal Jammu – J&K

4 Date and Time of Technical Bid & Commercial

Bid Opening

a. Technical Bid -

13.05.2019, 3 p.m

b. Commercial Bid opening

date will be intimated to

the Bidder/s qualifying

in Technical Bid in due

course.

5 Place of opening of Bids IT Department, Head Office

J&K Grameen Bank,

Narwal Jammu – J&K

6 Address for communication IT Department J&K Grameen Bank Head Office Narwal, Jammu – J&K e-Mail : [email protected],

[email protected]

Phone: 7051510171/7051510172

7 Cost of RFP document 5,000/- in the form of

Demand Draft/Pay Order in

favor of J&K Grameen

Bank payable at J a m m u .

The DD /Pay Order should

mailto:[email protected]

mailto:[email protected]


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be submitted along with the

Bid documents.

The bank reserves the right to amend the dates of ‘Control Sheet Table’ due to unforeseen

circumstances. All such changes will be duly notified on the website of the bank.

1. PURPOSE

i) The J&K Grameen Bank, hereinafter called “J&K GRAMEEN BANK” or

“Bank” issues this “Request for Proposal” hereinafter called “RFP”.

ii) J&K Grameen Bank proposes to implement a Centralized & Integrated

Biometrics Attendance System herein referred to BAS in the Bank in a

phased manner. The solution is to be implemented at all Offices /Business units

of the bank in J&K State. The list of all Offices and branches of the bank where

biometrics readers are to be installed is enclosed here with (Annexure-10). The

number of offices / branches and their addresses mentioned in Annexure-10

may vary. The final list will be shared along with the purchase order.

iii) This RFP is limited to Original Equipment Manufacturers (OEM) and Bidders

that are authorized by the OEM.

iv) A bidder submitting the proposal in response to RFP for Implementation of the

solution shall hereinafter be referred to as “Product Bidder / OEM / Bidder /

System Integrator / SI” interchangeably.

v) This RFP document is neither an offer letter nor a legal contract, but an

invitation for Request for Proposal. No contractual obligation on behalf of

the Bank whatsoever shall arise from this RFP process unless and until a

formal contract is signed and executed by duly authorized officers of J&K

GRAMEEN BANK and the bidder.


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vi) Bank can modify any / all of the terms of this RFP giving due notification

through the Bank’s website and shall be entitled to entertain ‘Request for

Proposal’ (RFP) only from the eligible bidders who will be selected based on

the requirement and laid out norms as set out in this document.

vii) J&K GRAMEEN BANK will not be liable for any costs incurred by the bidder.

2. INTRODUCTION & OPERATIONS

J&K Grameen Bank (JKGB), was established on 30th June 2009 after amalgamation of

two erstwhile RRBs viz. JRB and KRB in accordance with GOI Notification dated 30th

June 2009 issued under sub- section (1) of section 23A of the RRB Act, 1976 (21 of

1976). The network of the Bank consist of One Head Office situated at Jammu, Six

Regional Offices and 217 branches and is engaged in providing credit in various districts

of J&K with total employees strength of 1000 plus.

3. BIOMETRIC ATTANDANCE SYSTEM REQUIREMENTS

There is a need for a Centralized & Integrated Biometrics Attendance System that

enables the Bank to Centralize the employees attendance and Leave records through a

single centralized & Integrated Biometrics Attendance System. The proposed solution

has to be integrated with Bank’s HRMS application for the purpose of updations of time

attendance & leave records.

3.1 INTERFACES

The proposed system should be capable of having seamless interface with the Bank’s

HRMS Application for the purpose of updating Leave & Absence Records of the

employees.

3.2 FUNCTIONAL REQUIREMENTS

Bidder needs to comply with all the functional r equ i r emen t s given in Annexure-2.


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Non Compliance to any of the point/clause given below may entail rejection of the Bid.

3.3 TECHNICAL SPECIFICATIONS

Vendors need to comply with all the technical specifications given in the Annexure-3.

Non Compliance to any of the point/clause given below may entail rejection of the Bid.

4. BROAD SCOPE OF WORK

The proposed solution should be in conformity to the Functional requirements and

Technical Specifications laid down in Annexure-2 and Annexure-3 and should be

scalable to connect all the branches/offices of the Bank. The users should be provided

with a web based access through which they can access the system. The vendor upon

selection has to study the existing Offices/Business Units and IT infrastructure at BANK

and parameterize the offered solution so as to accommodate the process flow of the Bank.

The bidder shall have to build seamless interfaces (wherever needed) with identified

existing applications of BANK or other related entities. The bidder shall have to build

customization/interface as per the requirements of the Bank.

The bidder shall have to provide the hardware (servers, biometrics readers, card reader

writer etc ) , software , software licenses and any other middle ware required for

functioning of the system.

The bidder shall have to jointly with Bank conduct UAT (User Acceptance Test) of the

offered solution and fix all the bugs/shortcomings reported by the Bank in a time bound

manner.

The bidder has to conduct end-user training for the employees of the Bank at respective

sites after installation of the Biometric reader devices using various mediums of

communications and training tools.


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The bidder has to prepare detailed training manuals / presentations containing appropriate

flowcharts etc for end user training. End User Training will be conducted at locations

specified by BANK.

The selected bidder will also have to provide Post Implementation Support during the

warranty period and Post Warranty Support under AMC as per the terms of the SLA.

The contract with the final selected bidder will include a 3 years warranty and also

would involve an Annual Maintenance of the system for a period of two (2) years on

completion of warranty period providing for changes/ updation that would be

required for the system due to policy changes, new product launches etc. In case

equipment is taken away for repairs, the Vendor shall provide a standby equipment (of

equivalent configuration), so that the work of the Bank is not affected.

The bidder will assign a single point of contact (SPOC) to the bank who will assist and

coordinate with the bank for resolving any issues reported.

4.1 Sub-Contracting and Non-Assignment:

The services offered to be undertaken in response to this RFP shall be undertaken to be

provided by the bidder directly and there shall not be any sub-contracting without prior

written consent from the Bank.

Bank will only discuss the solution with bidders authorized representatives. The bidders

authorized representatives shall mean their staff. In no circumstances any intermediary

(which includes Liasoning Agents, marketing agents, commission agents etc.) should be

involved during the course of project. No subletting of the contract by OEM or SI will be

allowed under any circumstances.

Neither the subject matter of the contract nor any right arising out of the contract shall be

transferred, assigned or delegated to any third party by Vendor without prior written

consent of the Bank.

5. ELIGIBILITY CRITERIA


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Table-A

S.No. Bidder Financial and other information Supporting Documents

Required

1

The bidder must be a Limited Company,

registered in India under the companies

Act 1956 (Proof required). The bidder

should have registered office with legal

presence in India.

Certificate of

Incorporation

2

The bidder should be ISO Certified

company.

The original manufacturer (OEM) should

have ISO 9000 / ISO 9001 certification for

Design & manufacturing of biometric

device.

Relevant Certificate to be

attached

3

The bidder should have implemented the

solution in at least two reputed companies

in India or any Regional Rural Bank or

Commercial Bank with at least 100

Biometrics readers installed. These

biometric machines should have been

installed at offices of client’s organization

spread across different geographical

locations/cities.

Client certificates and

client contracts

4

The bidder should have a minimum sales

turnover of Rs. 5 Crores per year during

last 2 years to apply for the bidding

process. This must be the individual

Company’s turnover and not that of any

group of Companies.

Audited balance sheets of

the bidder for the past 2

years. The bidder must

ensure that the name of the

legal entity specified on the

proposal must correspond

to the name on the financial

statements.

5

The bidder should have a net profit during

each of the last 3 years to apply for the

bidding process.

Profit and Loss Statement

of the bidder for the past 3

financial years.

6

The bidder should not be blacklisted by any

public/Private sector Bank.

A self attested certificate

be attached with the bid in

this regard.

7 The bidder should either own the IPR

(Intellectual Property Right) for the Letter of authorization


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solution offered or should be an authorized

SI (System Integrator) of the OEM

(Original Equipment Manufacturer).

Note: In this tender process, authorized representative / distributor / dealer in India on

behalf of Principal OEM (Original Equipment Manufacturer) or Principal OEM itself can

bid but both cannot bid simultaneously. In such case OEM bid will only be accepted.

6. TENDER DOCUMENT AND FEE A complete set of tender document can be downloaded from B a n k ’ s w e b s i t e

w w w . j k g b . i n . A non- refundable fee of Rs.5,000/- (Rupees Five Thousand Only)

in the form of Demand Draft or Banker’s Cheque in favor of Bank, payable at Jammu

shall have to be attached with the bid.

7. EARNEST MONEY DEPOSIT The Bidder(s) must submit Earnest Money Deposit in the form of Bank Guarantee

(as per format provided in Annexure- 6) in favor of BANK for an amount mentioned

hereunder valid for 180 days from the last date of the submission of Bid:

Particulars of Job to be undertaken

EMD (INR)

Supply/Installation/Customization/Training/Support & Maintenance

Of

Centralized & Integrated

Biometrics Attendance System

2 Lac

Non-submission of Earnest Money Deposit will lead to outright rejection of the Offer.

The EMD of unsuccessful Bidders will be returned to them on completion of the

selection process. The EMD of successful Bidder will be re turned on submission


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of Performance Bank Guarantee.

The Earnest Money Deposit may be forfeited under the following circumstances:

a. If the Bidder withdraws its bid during the period of bid validity (180 days from the

last date of the submission of Bid).

b. If the Bidder makes any statement or encloses any form which turns out to be

false, incorrect and/or misleading at any time prior to signing of contract and/or conceals

or suppresses material information; and / or

c. In case of the successful Bidder, if the Bidder fails:

To sign the contract in the form and manner to the satisfaction of the Bank.

To furnish Performance Bank Guarantee in the form and manner to the

satisfaction of the Bank.

MSE's are exempted from paying Tender fee and EMD. The MSEs should have

registered with District Industries Centres or Khadi Village Industries Commission or

Khadi & Village Industries Board or Coir Board or National Small Industries Corporation

or Directorate of Handicrafts & Handloom or Any other body specified by the Ministry

of Micro, Small & Medium Enterprises. MSEs should submit the relevant documentary

proof for claiming the exemptions.

8. PERFORMANCE GUARANTEE The Bank will require the selected Bidder to provide a Performance Bank

Guarantee (as per format mentioned in Annexure-7), within 30 days from the date

of acceptance of the Purchase Order or signing of the contract whichever is earlier,

for a value equivalent to 20% of the Project Cost. The Performance Guarantee of

the same amount should be valid for a period of 3 years. Performance Guarantee


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shall be extended till completion of the project and warranty period whichever is

later. The selected Bidder shall be responsible for extending the validity date and claim

period of the Performance Guarantee as and when it is due on account of non-completion

of the project and warranty period. In case the selected Bidder fails to submit performance

guarantee within the time stipulated, The Bank, at its discretion, may cancel the order

placed on the selected Bidder without giving any notice. Bank shall invoke the

performance guarantee in case the selected Bidder fails to discharge their contractual

obligations during the period or Bank incurs any loss due to Bidder’s negligence in

carrying out the project implementation as per the agreed terms & conditions.

9. SUBMISSION OF OFFER -TWO BID SYSTEM

Two copies of the offers (both Technical & commercial) must be submitted at the same

time, giving full particulars in TWO SEPARATE sealed envelopes at the Bank’s address

as per control sheet table.

Offers received after the specified last date and time will be rejected. All envelopes should

be securely sealed and stamped.

All the separate sealed envelopes containing offers must be submitted to the Bank directly

as under:

(i) Envelope-T: Technical [Original] & Technical [Duplicate]

(ii) Envelope-C: Commercial [Original] & Commercial [Duplicate]

Each of the above set of offer must be labelled with the following information:

Type of Offer: (Technical or Commercial)

Copy: (Original or Duplicate)

RFP Reference Number:

Due Date:

Name of the Bidder:


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The Duplicate Offer must be identical in all respects to the Original offer submitted to the

Bank, and must contain all the above information specified.

(i) ENVELOPE- T (Technical Offer): [2 Copies i.e., Original and Duplicate]

The Technical offer (T.O) should be complete in all respects and contain all information

asked for, except prices. The Technical Offer should not contain any price information.

The Technical offer should be submitted in 2 copies in a two different closed envelopes to

the Bank (marked as original and duplicate). The Technical offer should be complete to

indicate that all products and services asked for are quoted and all terms adhered to.

EMD in the form of BG should be kept in Original Technical Offer being submitted

to the Bank.

The EMD submitted by the unsuccessful Bidders will be returned soon after the completion

of the process but not later than sixty (60) days after the completion of the bid process. The

EMD of the successful Bidder will be returned after the submission of the Performance

Bank Guarantee (Annexure-7).

(ii) ENVELOPE-C (Commercial Offer): [2 Copies – i.e., Original and Duplicate]

The Commercial Offer (C.O) should give all relevant price information and should not

contradict the Technical Offer in any manner. The Commercial offer should be submitted

in 2 copies in a two different closed envelopes to the Bank (marked as Original and

duplicate).

Technical and Commercial Offers must be submitted separately, in different

envelopes. It may be noted that if any envelope is found to contain both technical and

commercial offers, such offer will be rejected.

S e a l e d s e p a r a t e envelopes carrying Technical Bid (Envelope T) and Commercial

Bid (Envelope C) should be put in a single sealed outer cover duly sealed and super

scribed with the following information:

1. Name of the Bidder


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2. Offer Reference: “Quotation for

Supply/Installation/Customization/Training/Support & Maintenance of

Centralized & Integrated Biometrics Attendance System”

The Bid shall be typed in English and shall be signed by the Bidder or a person or

persons duly authorized to bind the Bidder to the Contract. The person or persons

signing the Bids shall initial all pages of the Bids.

Any inter-lineation, erasures or overwriting shall be valid only if they are initialed by the

person signing the Bids. The Bank reserves the right to reject bids not conforming to

above.

10. PERIOD OF VALIDITY OF BID Bids shall remain valid for 180 (One Hundred eighty) days after the date of bid

opening prescribed by the Bank. The Bank holds the rights to reject a bid valid for a

period shorter than 180 days without any correspondence. In exceptional circumstances,

where the validity of the Bid period has to be increased, the request shall be

made in writing. Extension of validity period by the Bidder should be unconditional

and irrevocable and the bidder will not be permitted to modify its Bid. The Bid Security

provided shall also be suitably extended. In any case the bid security of the Bidders will

be returned after completion of the process.

11. NO COMMITMENT TO ACCEPT LOWEST OR ANY

OFFER/BID The Bank shall be under no obligation to accept the lowest or any other offer received

in response to this RFP and shall be entitled to reject any or all offers without assigning

any reason whatsoever. The Bank has the right to re-issue tender/bid. The Bank

reserves the right to make any changes in the terms and conditions of purchase that

will be informed to all Bidders. The Bank will not be obliged to meet and have


18

discussions with any Bidder, and/or to listen to any representations once their offer/bid

is rejected. Any decision of The Bank in this regard shall be final, conclusive and binding

upon the Bidder.

12. BANK’S RIGHT TO ACCEPT ANY BID AND TO REJECT

ANY OR ALL BIDS / CANCELLATION OF TENDER PROCESS BANK reserves the right to accept or reject in part or full any or all offers without

assigning any reason thereof even after issuance of letter of Intent. Any decision of Bank

in this regard shall be final, conclusive and binding upon the bidders. The Bank

reserves the right to accept or reject any Bid in part or in full, and to cancel the Bidding

process and reject all Bids at any time prior to contract award, without thereby

incurring any liability to the affected Bidder or Bidders or any obligation to inform

the affected Bidder or Bidders of the grounds for Bank’s action. During any stage of

evaluation process, if it is found that the bidder does not meet the eligibility criteria or

has submitted false /incorrect information the bid will be summarily rejected by the

Bank and no further correspondence would be entertained in this regard. Bank further

reserves the right to amend, rescind, reissue or cancel this RFP. Further please note that

the bank would be under no obligation to acquire any or all the items proposed. No

contractual obligation whatsoever shall arise from the RFP process unless and until a

formal contract is signed and executed by duly authorized officials of Bank and the

bidder.

13. PRELIMINARY SCRUTINY (a) The Bank will examine the Bids to determine whether they are complete, required

formats have been furnished, the documents have been properly signed, and the Bids are

generally in order.

(b) The Bank may, at its discretion, waive any minor infirmity, non-conformity, or

irregularity in a Bid, which does not constitute a material deviation.


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(c) The Bank will first examine whether the Bid and the Bidder is eligible in

terms of Eligibility Criteria.

(d) Prior to technical evaluation, the Bank will determine the responsiveness of each Bid

to the Bidding Document. For purposes of these Clauses, a responsive Bid is one,

which conforms to all the terms and conditions of the Bidding Document without

material deviations. Deviations from, or objections or reservations to critical provisions,

such as those concerning Bid Security, Applicable Law, Bank Guarantee, Eligibility

Criteria, will be deemed to be a material deviation.

(e) The Bank’s determination of a Bid’s responsiveness will be based on the contents of

the Bid itself, without recourse to extrinsic evidence.

(f) If a Bid is not responsive, it will be rejected by the Bank and may not subsequently

be made responsive by the Bidder by correction of the non-conformity.

14. EVALUATION OF BIDS (a) Bids of only those Bidders who have been found to be in conformity of the eligibility

terms and conditions during the preliminary evaluation would be taken up by the

Bank for further detailed evaluation. The Bidders who do not meet the eligibility

criteria and all terms during preliminary examination will not be taken up for further

evaluation.

(b) The Bank may use the services of external consultants/Advisors for evaluation.

(c) The Bank reserves the right to evaluate the bids on Technical

Specif ica t ions & Functional Requirements including visit to a reference site of

the bidder and witness demos of the system and verify functionalities, response

times, point to point conformity of the scope / functional requirements/technical

specifications mentioned in the RFP.

(d) Bidders who fulfill all qualifications mentioned in Eligibility Criteria of this RFP


20

are eligible to participate in this tender process.

(e) Bank will evaluate the Technical Specif ica t ions & Functional Requirements

responses of the Bidder. Bank reserves the right for rejection of the bidder on non

compliance of any point/clause specified in this RFP.

(f) Bank reserves the right to waive any of the Technical Specifications and Functional

Requirements during Technical Evaluation if in the Bank’s Opinion it is found to be

minor/deviation or acceptable deviation.

(g) During evaluation of the Bids, the Bank at its discretion may ask a bidder for

clarification of its bid. The request for clarification and the response shall be in

writing, and no change in the price or substance of the bid shall be sought, offered or

permitted.

(h) Bidders may be called to give a POC/demo of their solutions with its capabilities

at their own cost, which will be taken into account for Technical Evaluation of the

Bidders.

14.1 EVALUATION PROCESS

The selection of the bidders shall be based on Quality cum Cost Based Selection (QCBS)

Methodology i.e. the aggregate scores of Technical Bids (70% weightage) and

Commercial Bids (30% weightage). The percentage weights that shall be assigned to

different modules in case of Technical Bids evaluation are as under:

1. Conformity to Functional Specifications (Annexure-2) 20

2. Conformity to Technical Specifications (Annexure-3) 20

3. Demo/POC 30

4. Reporting (Annexure-4) 10


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5. Onsite Installation And Support 10

6. Client Base 10

Financial/Commercial bids of those bidders will be opened who obtain minimum

qualifying technical scores of 75. The technical score shall be evaluated as per the

methodology described as under:

1 mark for conformity of each Functional Specification (Annexure-2) and

proportional marks out of 20 will be calculated.

1 mark for conformity of each Technical Specification (Annexure-3) and

proportional marks out of 20 will be calculated.

Marks will range from 0 to 30 depending on bank’s satisfaction with POC.

1 mark for each S.No of Reporting (Annexure-4) and proportional marks out of 10

will be calculated.

10 marks if Onsite Installation And Support is available.

5 marks for each client with minimum 100 machines installed for each client

(Maximum 10 marks). Purchase Orders and ‘Work Completion Certificate’ from

clients to be submitted to the bank as proofs.

14.2 OVERALL EVALUATION MARKS

The combined marks of both the Technical and Financial/Commercial proposals as per

Weightage stated will determine the Final Attained Marks. Based on the total marks

obtained in Technical and Commercial Evaluation, the following is the methodology for

calculating the Final Marks.

Final Marks (F) = (C-low / C) * 30 + (T / T-high)* 70

C-low: Lowest Price quoted

C: Bid Price as quoted by the bidder

T-high: Highest Technical Score Obtained

T: Technical Score obtained by the bidder


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The Bidder scoring the maximum Final Marks (F) shall be declared as the successful

Bidder.

15. COMPLIANCE WITH STATUTORY AND REGULATORY

PROVISIONS It shall be the sole responsibility of the Vendor to comply with all statutory, regulatory

& Law of Land and provisions while delivering the services mentioned in this RFP.

16. INTELLECTUAL PROPERTY INDEMNITY & INDEMNITY

AGAINST MISUSE OF LICENSE The selected vendor has to undertake to indemnify the Bank and its officers, employees

and agents against liability, including costs, for actual or alleged direct or

contributory infringement of, or inducement to infringe, any Indian or foreign

patent, trademark or copyright, licensing arising out of the performance of this contract.

17. FORMAT FOR TECHNICAL BID The Technical bid must be made in an organized and structured manner in the

following form:

i. Index

ii. C o v e r i n g letter (Annexure-1)

iii. Conformity to compliance of Broad Scope of Work of the RFP on bidder’s letter

head.


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iv. Conformity to compliance of Eligibility Criteria (Table-A) mentioned in RFP on

bidder’s letter head.

v. Conformity to compliance of Functional Requirements (Annexure-2) & Technical

Specifications (Annexure-3) on bidder’s letter head.

vi. General Details of the Bidder (Annexure-5)

vii. Letter for acceptance and compliance of all the Terms and Conditions of RFP.

viii. Valid Bank Draft / Pay order/ Bank Guarantee as EMD (Bank Guarantee as per

format in Annexure-6).

ix. Valid Bank Draft/ Pay order as Bid price

x. Bidder’s Financial Details (audited balance sheets etc.) and other supporting

documents, as asked in the RFP.

xi. A statement that the Bidder is agreeable to the Service Level agreement as detailed in

the RFP as Annexure-8.

xii. A statement that the Bidder is agreeable to the Service Level agreement as detailed in

the RFP as Annexure-9.

Note: All Claims made by the Bidder will have to be backed by documentary evidences.

The bidder is expected to examine all instructions, forms, terms and specifications in

the RFP. Failure to furnish all information required or to submit a Bid not substantially

responsive to the Bank in every respect will be at the Bidder’s risk and may result in the

rejection of the Bid.


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18. FORMAT FOR COMMERCIAL BID

The Commercial bid shall be submitted as per the following format;

S.No Particulars Qty. UOM Rate/

Price

1 Biometric Attendance recorders 1 NOS

2 Cables 1 Mtrs.

3 Fingerprint reader (For Registration) 1 NOS

4 Smart Card reader/Writer (For Registration) 1 NOS

5 Smart Card 100 NOS

6 Neck Lanyard & Card Holder 1 NOS

7 Attendance Management Software 1 NOS

8 Server/s 1 NOS

9 License (Operating System/Database/Any Other

License)

1 NOS

10 Onsite Installation And Support Charges (If

Any)

11 AMC – Year 1

12 AMC – Year 2

13 Any Other Cost (if any)

Total

Note :

i. All Rates /Prices should be quoted inclusive of all taxes.

ii. The prices quoted shall be inclusive of installation, customization,

transportation, training and maintenance and support charges during

warranty period as well.

iii. These quoted prices will be valid for 300 biometric devices purchased till

the validity of the agreement between bank and vendor.

19. OTHER TERMS & CONDITIONS

19.1 Installation & commissioning of BAS is to be completed within a period of six

months commencing from the date of acceptance of the purchase order issued

by the Bank.


25

19.2 Any delay in completion of the work over the stipulated period will attract

penalty of 0.2% of the contract value per day subject to maximum of 20% of

the contract value. The Bank reserves its right to recover this amount by any

mode, which includes adjusting from any payment to be made by the Bank to

the supplier.

19.3 Bank is not bound to place order for all the items as mentioned in this RFP

document and reserves the right to place order as per its requirements.

19.4 The prices quoted will also include transportation to respective sites, and

insurance till acceptance of the equipments by the Bank. Any delay in installation

of the Biometric devices for whatsoever reason should not entail in expiry of

insurance and the same should be continued to be extended up-to the date of

installation and acceptance of the Biometric devices and other infrastructure by

the Bank. Though the equipment would be at Bank premises, or any location

identified by Bank, vendor shall be responsible for the installation,

implementation and acceptance testing and the ownership would not be

transferred to the Bank at this stage. Hence the vendor will bear the risk of loss if

any, till the ownership has passed to the Bank. The vendor will insure the

equipment till acceptance testing, and final acceptance by Bank. There will be no

price escalation for during the contract period and any extension thereof. Bid

submitted with an adjustable price quotation will be treated as non-responsive

and will be rejected.

19.5 In case of any variation or increase in Government levies / taxes / cess / excise /

custom duty etc. which has been included as part of the price will be borne by

the vendor. Variation would also include the introduction of any new tax / cess/

excise, etc.


26

19.6 Bidder will take due care of the support infrastructure so as not to cause

disruptions to services to the bank. The Bidder should either repair defective

Biometrics reader machines or any part or replace within 48 hours from the day

he receives faulty Biometrics reader machine. The Bidder has to maintain a

buffer stock of 5% of the total purchased Biometrics reader machines free

of cost at bank’s head office / Regional Office so that replacement of the

defective Biometrics reader machine can be done immediately to meet the

emergent requirements and to continue the bank’s business.

19.7 The total number of machines to be purchased would be 230 (Number may

vary). The actual number will be mentioned in Purchase Order.

20. PAYMENT TERMS: PAYMENT TERMS SHALL BE

APPLICABLE AS UNDER:

i) Payment of biometric devices shall be released in batches of 50. When 50

machines are installed followed by UAT, Bank will release amount equal

to 80% of the cost of 50 biometric devices.

ii) Payment of application and all other hardware except biometric readers

shall be released after UAT sign off for amount equal to 80% of the total

cost of the hardware/software installed.

iii) 20% after three months of completion of whole project.

ANNEXURE-1

COVERING LETTER

Tender Reference No.:_______________ Date:_________ 2019


27

To,

General Manager,

Head Office

J&K Grameen Bank.,

Narwal , Jammu

Sub: RFP For Supply / Installation/Customization/ Training/ Support & Maintenance

Of Centralized & Integrated Biometrics Attendance System”.

Dear Sir,

In response to the your RFP vide reference no ___________dated_______ , having

examined and understood the instructions including all annexures, terms and conditions

forming part of the Bid, we hereby enclose our offer.

In the event of acceptance of our Technical as well as Commercial Bids b y T h e B a n k

w e unde r t ak e to execute the order for Supply / Installation / Customization /

Training / Support Of Centralized & Integrated Biometrics Attendance System as

pe r terms and conditions of the RFP and as per the SLA to be signed with

the Bank.

In the event of our selection by The Bank , we will submit a Performance

Guarantee for a sum equivalent to 20% of the Project Cost for a period of 3 years in

favor of the BANK effective from the month of execution of Service Level

Agreement or successful go live whichever is earlier. Performance Guarantee will

be kept valid till completion of the project and warranty period. We will be

responsible for extending the validity date and claim period of the Performance

Guarantee as and when it is due on account of non-completion of the project and

warranty period. After completion of the project and warranty period, we will

submit a Performance Guarantee for a sum equivalent to 20% of the AMC.

We agree to abide by the terms and conditions of this tender and our offer shall remain

valid for 180 days from the date of commercial bid opening and our offer shall remain


28

binding upon us which may be accepted by The Bank any time before expiry of 180 days.

We understand that The Bank is not bound to accept the lowest or any offer the Bank may

receive. We also certify that we have not been blacklisted by any PSU Bank/IBA/RBI.

We enclose the following Demand Drafts/Pay Orders:

1. DD /PO No. dated for INR 5,000/- (Rupees Five Thousand Only) as Cost of

RFP Document.

2. DD/PO/BG No. dated for 2,00,000/- (Rupees Two Lakh only) as EMD. Both DDs

are issued in favor of J&K Grameen Bank by …….………………….. Bank

……………………….………… Branch, dated __________ payable at Jammu.

Signature: ___________________ (In the Capacity of) ______________________

ANNEXURE-2

FUNCTIONAL REQUIREMENTS FOR BAS

Note: Suppliers should state ‘Yes’ if their Offer conforms to the following Specific

Requirements or else they should state ‘No’.


29

S.No. Requirements

Compliance

Yes/No

1 The Biometrics Attendance System should be able to manage

Staff time Attendance, Absence management, Late coming

Management, Shift Management & Leave record Management

integrated with Banks HRMS Application using Bio-metric

Readers & Systems.

2 The Biometrics Attendance System should be able to import &

update Master data like Employee Number, Employee Name,

Employee Grade/Scale, Department, etc., from the Bank’s

existing HRMS server.

3 The Biometrics Attendance System and hardware should also

support use of cards and fingerprints for marking attendance.

Each card will contain a unique code (employee code) and a card

number (unique to each cardholder). Making the staff Cards and

capturing the staff data into the memory of the cards & the hard

disk of the Server as a one-time measure for all the staff members

of a particular Office is included in the scope of the work covered

in this RFP.

4 The first reading of the card followed by grabbing the fingerprint

of any staff within a defined period of time on any working day

will mark his/her attendance in biometric system and the last

reading of the bio-metric card within the defined period of time

followed by grabbing the fingerprint of any staff will mark his/her

exit time in the bio-metric system for the day.

5 The system will have a log of all persons making use of the

card/biometrics readers to enter/exit any office any number of

times. System should be capable of providing the total working

hours of an employee in a day by considering the first Entry time

and last Exit time.

6 User Manual and/or Operation Manual for all applications should

be provided to the Bank before release of the final payment.

8 The proposed system should be capable of having seamless

integration with the Bank’s HRMS Application for the purpose

of updating attendance, leaves, absence Records or any other

updation of the employees as and when required by the bank

without any extra charges.


30

9 It shall allow the attendance rules logic to be set dynamically by

the administrator. The system will allow visually setting rules

relating to swiping data, attendance record (Present, Late etc),

shifts, Leave etc.

10 It shall be a Web browser based application with password

protection for security. The application shall support multiple

shifts and shall take due care of the shift which crosses during the

midnight. The application shall be capable of supporting

minimum 5000 cardholders/users. Shift allocation, employee &

department wise, and defining periodic rotation pattern shall also

possible.

11 Manual update of attendance / leaves of staff in field duty shall

be possible.

ANNEXURE-3

TECHNICAL SPECIFICATIONS FOR BAS

TABLE-A


31

S.No.

Description of Specification

Compliance

(Yes / No)

A Card Readers & Credentials

1. The control panel should support card Readers using

Contact Less Micro Controller (MCU) based smart

card technology conforming to ISO /IEC 14443

standards with operational range not less that 3

inches.

2. All contact less Smart Cards should have sufficient

memory capacity to store necessary data.

3. The Smart cards should satisfy the following

features:

o 13.56 MHz frequency of operations

o Read/Write capability.

o Support card-to-reader authentication.

o Secure card-to-reader communication

4. Data security with cards shall use authentication keys

to reduce the risk of compromising data or duplicate

cards. The contact less smart card reader and cards

shall require matching keys in order to function

together.

5. Contact less smart card readers should provide the

following programmable audio / visual indications:

o An audio transducer shall provide various

tone sequences to signify: Access Granted,

Access denied, Power up and diagnostics.

o A high intensity light bar shall provide clear

visual status (red/green/amber) that is visible

even in bright sunlight.

6. The Bio-metric Readers with finger print (FP)

reading features should conform to the following

specifications, i.e., the FP reader shall have the

following features and specifications:

o Memory Capacity: Minimum 200 Templates.

o FP reader shall be capable of registering

minimum 2 fingerprints for a user.

o All direction Fingerprint Recognition.

o Automatic fingerprint Recognition- No need

to start button.


32

7. The Readers shall be of polycarbonate material,

sealed to be water & dust proof.

8. The card shall meet ISO 7810/7816 ID-1 format

specifications for length, width, thickness, flatness,

card construction and durability, and shall be in a

form suitable for direct two sided dye-sublimation or

thermal transfer printing.

9. Contact less smart card readers shall meet any of the

following certifications:

o UL294.

o FCC Certification

o CE Nark (Europe)

10. Warranty of the Contact less smart card readers shall

be lifetime against defects in materials and

workmanship.

11. The card shall meet standards for contact less

proximity smart cards: ISO 14443/7816.

12. The text/logo and the color code to be printed on the

outer surface of the smart cards shall be as required

by the Bank.

B

Software

1. The system should be centrally manageable, shall

provide full integration of all components, shall be

alterable at any time and flexible enough to be updated

as per the changes as and when required by the bank

without any hardware changes.

2. System should store the data in a industry grade

database.

3. The bidder will not charge any additional software

license cost with increase in number of branch units/

offices of the bank anytime in future.

4. The Software is to be integrated with Banks HRMS.

C Cables

1. All Cables should be in Conformity to International


33

Standards and should be laid in PVC conduits.

D Card Holder and Lanyard

1. Card holder should hold the card

vertically.

2. 2. Each card holder should have groove for attaching

clips.

3. Lanyard design will be provided by the Bank and

needs to be printed on multi‐color silk lanyard with

metal hooks.

TABLE-B

Note: (Marks Will Not Be Awarded For Items In

Table B)

S.No. Particulars To be filled by the bidder

1. Workstations / Servers:

Servers for Biometrics Attendance System shall

be provided by the Bidder.

(Mention Specifications

here)

2. Other Infrastructure like Hardware, Software ,

Database or any other middle ware to be specified

by the bidder (If any)

(Mention Specifications

here)

ANNEXURE-4


34

REPO

RTIN

G

FOR

BAS

S.No. Particulars Compliance

(Yes/No)

1. Attendance report like Card Frequency report,

present /absent / single swipe / early going / late coming.

2. Reports can be generated for all shifts, any duration of date &

time, floor wise, branch/office wise etc.

3. Schedule the reports to run automatically, hourly, daily or

weekly

4. The system shall be capable of exporting the data into

*.doc, csv, *.xls, formats.

5. Bidder will provide reports as per bank’s need without any

extra cost in case bank submits the requirement before UAT

sign off.


35

ANNEXURE-5

DETAILS OF THE BIDDER

(A) GENERAL DETAILS OF THE BIDDER

1. Name Of Bidder:

2. Location:

3. Regd. Office:

4. Controlling Office:

(B) FINANCIAL POSITION OF BIDDER FOR THE LAST THREE FINANCIAL YEARS

Particulars

2015-16

(audited)

2016-17

(audited)

2017-18

(audited)

Paid up capital


36

Net Worth

Sales Turnover

Gross Profit

Net Profit (Profit After Tax)

Summary of Financial Position and working results

Growth in Operations (%)

Growth in profitability (%)

N.B. Enclose copies of duly signed & stamped Audited Balance Sheets along with enclosures.

(C) Details of similar solution provided to reputed companies in India or

any Regional Rural Bank or Commercial Bank with at least 100

Biometrics readers installed in each. Module wise break up of

functionality being used to be mentioned.

S.No.

Name of the Company/RRB/Comme

rcial Bank

List of Modul

es being used

No of biometri

cs readers installed

Are Biometric machines

installed at offices of client’s

organization spread across

different geographica

l locations/citi

es (Y/N)

Contact

Person with Phone


37

ANNEXURE-6

FORMAT FOR BANK GUARANTEE

To,

General Manager,

Head Office

J&K Grameen Bank.,

Narwal , Jammu

Dear Sir,

In response to your invitation to your RFP for

SUPPLY/INSTALLATION/CUSTOMIZATION/TRAINING/SUPPORT OF

Biometrics Attendance System, M/s _____________ having their registered office at

____________ (hereinafter called the ‘Bidder’) wish to respond to the said Request

for Proposal (RFP) for self and other associated Bidders and submit the proposal for

Biometrics Attendance System, applications & to provide related services as listed

in the RFP document.


38

Whereas the ‘Bidder’ has submitted the proposal in response to RFP, we, the

____________________ Bank having our Registered Office at __________________

hereby irrevocably guarantee an amount of 2 Lakhs (Rupees Two Lakhs only) as bid

security as required to be submitted by the ‘Bidder’ as a condition for participation in

the said process of RFP.

The Bid security for which this guarantee is given is liable to be enforced/ invoked:

1. If the Bidder withdraws his proposal during the period of the proposal validity; or

2. If the Bidder, having been notified of the acceptance of its proposal by The Bank

during the period of the validity of the proposal, fails or refuses to enter into the

contract in accordance with the Terms and Conditions of the RFP or the terms and

conditions mutually agreed subsequently.

We undertake to pay immediately on demand to J&K Grameen Bank the said amount

of 2 Lakhs without any reservation, protest, demur, or recourse. The said guarantee

is liable to be invoked/ enforced on the happening of the contingencies as

mentioned above and also in the RFP document and we shall pay the amount on

any Demand made by J&K Grameen Bank which shall be conclusive and binding

on us irrespective of any dispute or difference raised by the Bidder.

Notwithstanding anything contained herein:

1. Our liability under this Bank guarantee shall not exceed 2 Lac ( Two Lakhs only).

2. This Bank guarantee will be valid up to ; and

3. We are liable to pay the guarantee amount or any part thereof under this

Bank guarantee only upon service of a written claim or demand by you

on or before expiry of Bank Guarantee.

In witness whereof The Bank , through the authorized officer has sets its hand and


39

stamp on this day of at .

ANNEXURE-7

PERFORMANCE BANK GUARANTEE

Bank Guarantee No:……………………………..

Dated:………………………………………………

Bank:………………………………………………..

General Manager,

J&K Grameen Bank

Head Office, Narwal

Jammu-180 006 (India)

WHEREAS ...................................(Company Name) registered under the Indian

Companies Act 1956 and having its Registered Office at

......................................................................., hereinafter referred to as the BIDDER has

undertaken SUPPLY/INSTALLATION/CUSTOMIZATION/TRAINING/SUPPORT

OF Biometrics Attendance System in terms of the Purchase Order bearing No.

................................................. dated ............................, hereinafter referred to as “the

CONTRACT.


40

AND WHEREAS in terms of the Conditions stipulated in the said Contract, the BIDDER

is required to furnish, performance Bank Guarantee issued by a Scheduled Commercial

Bank in your favour to secure due and satisfactory compliance of the obligations of the

BIDDER in accordance with the Contract ;

THEREFORE, WE, ...........................(Name of the Bank) furnish you this Performance

Guarantee in the manner hereinafter contained and agree with you as follows:

1. We, ..................................Bank do hereby undertake to pay the amounts due and payable

under this Guarantee without any demur, merely on a demand, which has to be served on

us before the expiry of this guarantee, time being essence of the contract, from you stating

that the amount claimed is due by way of loss or damage caused to or would be caused to

or suffered by you by reason of breach by the said Bidder of any of the terms and conditions

contained in the Contract or by reason of the Bidder’s failure to perform the said contract.

Any such demand made on us within the time stipulated above shall be conclusive as

regards the amount due and payable by us under this guarantee. However, our liability

under this guarantee shall be restricted to an amount not exceeding .............. (Rupees -----

------ Only).

2. We undertake to pay to you any money so demanded notwithstanding any dispute/s

raised by the Bidder in any suit or proceeding before any Court or Tribunal relating thereto,

our liability under these presents being absolute and unequivocal. The payment so made

by us under this guarantee shall be a valid discharge of our liability for payment thereunder

and the Bidder shall have no claim against us for making such payment.

3. We further agree that, if demand. as stated above, is made on us within the stipulated

period, the guarantee herein contained shall remain in full force and effect and that it shall

continue to be enforceable till all your dues under or by virtue of the said contract have

been fully paid and your claims satisfied or discharged or till you certify that the terms and

conditions of the said contract have been fully and properly carried out by the said Bidder

and accordingly discharge this guarantee. Provided, however, serving of a written claim /

demand in terms hereof on us for payment under this guarantee on or before the stipulated


41

period , time being the essence of contract, shall be a condition precedent for accrual of our

liability / your rights under this guarantee.

4. We further agree with you that you shall have the fullest liberty without our consent and

without affecting in any manner our obligations hereunder, to vary any of the terms and

conditions of the said Contract or to extend time for performance by the said Bidder from

time to time or to postpone for any time or from time to time any of the powers exercisable

by us against the said BIDDER and to forbear or enforce any of the terms and conditions

relating to the said Contract and we shall not be relieved from our liability by reason of

such variation, or extension being granted to the said Bidder or for any forbearance, act or

omission on our part or any indulgence by us to the said Bidder or by any such matter or

thing whatsoever which under the law relating to sureties would, but for this provision,

have effect of so relieving us.

5. This Guarantee will not be discharged due to the change in the constitution of our Bank

or the Bidder.

6. We further agree and undertake unconditionally to pay you the amount demanded by

you in writing irrespective of any dispute or controversy between you and the BIDDER.

7. We lastly undertake not to revoke this guarantee during its currency except with your

written Consent.

NOTWITHSTANDING anything contained herein above;

(i) Our liability under this Guarantee shall not exceed `...............................................(

Rupees.........................................only ) ;

(ii) This Guarantee shall be valid up to and including the ...........................(mention date);

and

(iii) We are liable to pay the guaranteed amount or any part thereof under this Bank

Guarantee only and only if you serve upon us a written claim or demand on or before the

expiry of this guarantee.


42

Dated the ------------ day of --------20----

For --------------------------- BANK

Authorized Signatory

ANNEXURE-8

SERVICE LEVEL AGREEMENT

This Service Level Agreement (SLA) herein after referred to as “Agreement” is made

between “M/S _______________________”, a Company incorporated under the Indian

Companies Act 1956 with its registered office at ____________________________

hereinafter referred to as the “Company” which Expression shall, be deemed to mean and

include the representatives, successors in interest, nominees, administrators and assignees

etc. of the ONE PART AND “The J&K Grameen Bank”, a Regional Rural Bank created

by amalgamation of Jammu Rural Bank and Kamraz Rural Bank by Government of lndia

while exercising power conferred by Sub-Section (1) of section 23(A) of the Regional

Rural Bank's Act,1976 vide notification dated 30th June 2009, issued by Ministry of

Finance, Department& Financial Services, carrying on Banking Business, having its Head

Office at Narwal, Jammu, Pin-180006, Jammu and Kashmir, hereinafter referred to as the

“Bank” which expression shall be deemed to mean and include the representatives,

successors in interest, nominees, administrators and assignees etc. of the OTHER PART.

The Bank and the Company are hereinafter collectively referred to as “Parties” and

individually as a “Party”.


43

1. Definitions

Definitions of the terms used in the SLA to be mentioned like Device, Software

Maintenance, Hardware maintenance, preventive maintenance, Response Time, Repair

Time, Down Time, %age Down Time etc. in line with the desired objectives of the Bank.

2. Contract Documents.

The Agreement shall consist of this Service Level Agreement including all attachments

stated herein & appended to this Agreement and made part hereof. This Agreement shall

be interpreted wherever possible to avoid any conflict between the Sections hereof and the

Attachments. The Attachments are:

Annexure-9: Non Disclosure Agreement

3. Term of Contract

This Agreement shall become effective on _______ (Effective Date) and shall remain

valid for a period of five years and continue in full force and effect unless or until

terminated by either party in accordance with the termination provisions stated herein. At

the end of the term, the agreement may be renewed at the bank’s option for an additional

two years term at mutually agreed terms and conditions.

4. Fee and Payment Terms

The fee/ payment shall be in Indian Rupees and on a fixed price basis for Term of the

Service. There shall be No price variation for relating to increases/decrease in customs

duty, excise tax, other taxes and foreign currency price variation etc during the Term of

the service or contract period. However, during contract/ Term period, if there is any

reduction in government levies / taxes, the same shall be passed on to the Bank. During

contract period, the increase or decrease in service taxes and any new tax levied by


44

Government for the services subscribed by the Bank under this tender will be to the

Bank’s account. Bank shall not pay any amount in advance for any supplies under this

Agreement. The generic payment schedule to the vendor after the signing of SLA shall

be as follows:

i) Payment of biometric devices shall be released in batches of 50. When

50 machines are installed followed by UAT, Bank will release amount

equal to 80% of the cost of 50 biometric devices.

ii) Payment of application and all other hardware except biometric

readers shall be released after UAT sign off for amount equal to 80%

of the total cost of the hardware/software installed.

iii) 20% after three months of completion of whole project.

5. Schedule of implementation

The vendor shall complete the implementation and customization of proposed mobile

solution within six months from effective date. The implementation shall comprise of

system configuration, customization, pilot implementation, UAT and system roll out.

6. Scope of Work

a. The vendor will implement Centralized & Integrated Biometrics Attendance

System that enables the Bank to Centralize the employees attendance and Leave

records through a single centralized 7 Integrated Biometrics Attendance System.

The proposed solution has to be integrated with Bank’s HRMS application for the

purpose of updations of time attendance & leave.

b. Vendor needs to comply with all the functional requirements given in Annexure-2

of RFP. Non Compliance to any of the point/clause given below may entail



45

c. Vendor needs to comply with all the technical specifications given in Annexure-3

of RFP. Non Compliance to any of the point/clause given below may entail


d. The vendor shall have to build seamless interfaces (wherever needed) with

identified existing applications of BANK or other related entities. The vendor shall

have to build customization/interface as per the requirements of the Bank.

e. The vendor shall have to provide the hardware (servers, biometric readers, card

reader writer etc), software, software licenses and any other middle ware required

for functioning of the system.

f. The vendor shall have to jointly with Bank conduct UAT (User Acceptance Test)

of the offered solution and fix all the bugs/shortcomings reported by the Bank in a

time bound manner.

g. The vendor has to conduct end-user training for the employees of the Bank at

respective sites after installation of the Biometric reader devices using various

mediums of communications and training tools.

h. The vendor has to prepare detailed training manyals/presentations containing

appropriate flowcharts etc for end user training. End User Training will be

conducted at locations specified by BANK

i. The selected vendor will also have to provide Post Implementation Support during

the warranty period and Post Warranty Support under MAC as per the terms of the

SLA.

j. The contract with the final selected vendor will include a 3 years warranty and also

would involve an Annual Maintenance of the system for a period of five (5) years

on completion of warranty period providing for changes/updation that would be

required for the system due to policy changes, new product launches etc. In case

equipment is taken away for repairs, the Vendor shall provide a standby equipment

(of equivalent configuration), so that the work of the Bank is not affected.

k. The vendor will assign a single point of contact (SPOC) to the bank who will assist

and coordinate with the bank for resolving any issues reported.

l. The minimum period of contact will be for 5 years. Bank may extend/renew the

period by further two years at mutual agreed terms and conditions.


46

m. There should be a provision for future scalability.

n. All charges to be borne by vendor and hence all costs to be factored in while

preparing commercial offer.

o. A web interface should be provided to get all reports and provision should be there

to export in excel and text formats if required by the bank.

p. The vendor shall undertake to host, maintain and provide comprehensive

support/service for the period of contract covering all parts/components of the

solution. The contract shall start from the date of successful commissioning and

satisfactory functioning of services on production environment.

q. During the period of contract, it will be mandatory on the part of the vendor to

attend and resolve all issues. Penalty shall be imposed as per penalty clauses in RFP

and SLA.

r. The Bank will not be liable to pay any additional amounts in respect of any sort of

maintenance covered under the scope of this agreement during the tenure of the

contract.

7. Performance Guarantee

The Bank will require the selected Bidder to provide a Performance Bank

Guarantee (as per format mentioned in Annexure-7), within 30 days from the date

of acceptance of the Purchase Order or signing of the contract whichever is earlier,

for a value equivalent to 20% of the Project Cost. The Performance Guarantee of

the same amount should be valid for a period of 3 years. Performance Guarantee

shall be kept valid till completion of the project and warranty period whichever is

later. The selected Bidder shall be responsible for extending the validity date and claim

period of the Performance Guarantee as and when it is due on account of non-

completion of the project and warranty period. In case the selected Bidder fails to submit

performance guarantee within the time stipulated, The Bank, at its discretion, may

cancel the order placed on the selected Bidder without giving any notice. Bank shall

invoke the performance guarantee in case the selected Bidder fails to discharge their

contractual obligations during the period or Bank incurs any loss due to Bidder’s


47

negligence in carrying out the project implementation as per the agreed terms &

conditions.

7. Data Ownership

The Vendor agrees that the Bank owns the data, and that the Vendor is the custodian of

the data under the overall guidelines of the Bank. The Vendor shall provide adequate

levels of security to protect the confidentiality, availability and integrity of the data and

other technology resources in its custody as part of this Agreement. The right to data,

even in the event of disputes is solely with the Bank.

8. Service Management

Effective support of in-scope services is a result of maintaining consistent service levels.

The following sections provide relevant details on service availability, monitoring of in-

scope services and related components. This section lists the minimum service level

required to be maintained by the Company on award of the contract.

8.1 “Response Time” shall mean the interval from receipt of first information from Bank

to the company, or to the local contact person of the Company by way of any means of

communication informing them of the malfunction in system to the time Company

Engineer attends the problem.

8.2 “Restoration Time” shall mean the period of time from the problem occurrence to the

time in which the service returns to operational status. This may include temporary

problem circumvention / workaround and does not necessarily include root cause

removal.

8.3 “Resolution Time” shall mean the period of time from the problem occurrence to the

time in which the root cause of the problem is removed and a permanent fix has been

applied to avoid problem reoccurrence.

8.4 “Down Time” shall mean the period when the system is not available due to a problem

in the system and shall be the interval between the time of reporting of failure to the time


48

of completion of repair. Down Time is the sum of response time and restoration time

with the following exclusions:

8.4.1.1 Period when Bank denies access to the Spare Device sent by the Company or

8.4.1.2 Period when Bank denies access to the Company’s Engineer for carrying out

repair activities.

8.5 Call Response/Resolution and uptime commitments

Service/Type Level

Service Window 24x7

Response Time Within 1 hr.

Resolution Time Within 3hrs.

Uptime Commitment 99.90%

8.6 Percentage downtime

Shall mean the aggregate of downtime of the device during the quarter expressed as a

percentage of total available time in a quarter i.e. 90 * 24 hours. Thus, if the aggregate

downtime of the application works out to 21.6 hours during a quarter then the percentage

downtime shall be calculated as follows:

(21.6 x 100) / 90 * 24 = 1.0%

(Considering days in a quarter as 90)

The Mean Time Between Failures (MTBF) should be 90 days barring scheduled and

mutually agreed upon downtime for maintenance.

Following will be excluded while calculating the down time:

a) Down time due to Bank issues.

b) Schedule down time for maintenance activity. Successful Bidder shall inform

the Bank at least a

week before for the schedule downtime and for urgent situation at least 24

hours before.

c) Down time due to Force Majeure


49

If at any time during performance of the Contract, vendor or its subcontractor(s)

encounter conditions impeding timely delivery of the Products and performance of

Service, vendor shall promptly notify the Bank in writing of the fact of the delay, its

likely duration and its cause(s). As soon as practicable after receipt of the vendor’s

notice, the Bank shall evaluate the situation and may, at its discretion, extend the

vendor’s time for performance, with or without liquidated damages, in which case, the

extension shall be ratified by the parties by amendment of the Contract.

Except as provided in the above clause, a delay by vendor in the performance of its

delivery obligations shall render it liable to the imposition of liquidated damages, unless

an extension of time is agreed upon without the application of liquidated damages.

9. Penalty

In case of delay or default in execution of works or delivery of goods & services,

penalties at the following rates shall be imposed to the vendor on the total amount (as per

relevant rate schedule) of delayed goods/services. The default shall be deemed to have

incurred in case vendor fail to make commercially reasonable efforts as might be certified

by an empowered committee in this regard.

Any delay in completion of the work over the stipulated period will attract penalty of

0.2% of the contract value per day subject to maximum of 20% of the contract value. The

Bank reserves its right to recover this amount by any mode, which includes adjusting

from any payment to be made by the Bank to the supplier.

Maximum delay of six months is tolerable, beyond which the order will be cancelled and

EMD of the vendor will be forfeited.

If Vendor fails to provide any of the services as per scope of this agreement or It fails to

maintain guaranteed uptime on quarterly basis as per the terms of this agreement, the

Bank shall be entitled to charge penalty as per below table for the defaulting month.


50

Quarterly Uptime Amount of Penalty

>=99.9% to 100% No Penalty

>=99% to <99.9% 5% of amount payable for the quarter

>=98% to <99% 10% of amount payable for the quarter

>=97% to <98% 20% of amount payable for the quarter

<=97% 30% of amount payable for the quarter

If Uptime is below 97.00%, Bank shall have full right to terminate the contract.

The penalty shall be deducted / recovered by the Bank from any money due or becoming

due to the vendor under the contract or may be recovered by invoking the bank

guarantees or otherwise from Vendor or from any other amount payable to Vendor in

respect of other orders.

However, the Bank may, at its discretion, waive the liquidated damages in case the delay

cannot be attributed to Vendor. The decision of the Bank in this regard shall be final,

conclusive and binding.

As per Law, GST will be charged @18% on penalty charges and the same will be

recovered from the vendor.

10. Partnership / Collaboration / Subcontracting

The Vendor is fully responsible for deliverables for the project irrespective of their

constitution and arrangements with OEMs. No subcontracting, partnership, collaboration

shall be allowed.

11. Sensitive Information

Any information considered sensitive must be protected by the Vendor from

unauthorized disclosure, modification or access.


51

Types of sensitive information that will be found on BANK systems the Vendor may

support or have access to include, but are not limited to: Information subject to special

statutory protection, legal actions, disciplinary actions, complaints, IT security, pending

cases, civil and criminal investigations, etc.

The Vendor agrees to sign a Non Disclosure Agreement with the Bank as per the Bank

format (Annexure-9)

12. General

This document together with any attachment signed by both the parties shall constitute

the entire binding contract between Vendor and Bank for the provision of maintenance

services in respect of the equipment covered hereunder. This Contract shall be governed

in all respects by Indian Law read with the local laws of J&K State and shall be deemed

to have been concluded at Jammu and the Court of Jammu will have exclusive

Jurisdiction in all matters of dispute subject to Clause 13 below.

13. Confidentiality

Vendor understands and agrees that all materials and information marked and identified

by BANK as ‘Confidential’ are valuable assets of BANK and are to be considered

BANK's proprietary information and property. Vendor will treat all confidential materials

and information provided by BANK with the highest degree of care necessary to ensure

that unauthorized disclosure does not occur. Vendor will not use or disclose any materials

or information provided by BANK without BANK's prior written approval.

Vendor shall not be liable for disclosure or use of any materials or information provided

by BANK or developed by Vendor which is:

a. Possessed by Vendor prior to receipt from BANK, other than through prior disclosure by

BANK, as documented by

Vendor's written records;

b. Published or available to the general public otherwise than through a breach of

Confidentiality;


52

c. Obtained by Vendor from a third party with a valid right to make such disclosure,

provided that said third party is not under a confidentiality obligation to BANK; d.

Developed independently by the Vendor.

In the event that Vendor is required by judicial or administrative process to disclose any

information or materials required to be held confidential hereunder, Vendor shall

promptly notify BANK and allow BANK a reasonable time to oppose such process

before making disclosure.

Vendor understands and agrees that any use or dissemination of information in violation

of this Confidentiality Clause will cause BANK irreparable harm, may leave BANK with

no adequate remedy at law and as such the Bank is entitled to proper indemnification for

the loss caused by the Vendor, if quantified. Further the BANK is entitled to seek to

injunctive relief.

Nothing herein shall be construed as granting to either party any right or license under

any copyrights, inventions, or patents now or hereafter owned or controlled by the other

party.

The requirements of use and confidentiality set forth herein shall survive the expiration,

termination or cancellation of this tender.

Nothing contained in this contract shall limit the Vendor from providing similar services

to any third parties or reusing the skills, know-how, and experience gained by the

employees in providing the services contemplated under this contract. The confidentiality

obligations shall survive for a period of one year post the termination/expiration of the

Agreement.

14. INDEMNITY


53

The Company hereby indemnifies, protects and saves Bank and holds Bank harmless from

and against all claims, losses, costs, damages, expenses, action suits and other proceedings,

(including attorney fees), relating to or resulting directly or indirectly from (i) an act of

omission or commission of the Company, its employees, its agents, or employees of its

sub-contractors in the performance of the services provided by this Agreement, (ii) breach

of any of the terms of this Agreement or breach of any representation or warranty or false

statement or false representation or inaccurate statement or assurance or covenant by the

Company, (iii) bonafide use of the deliverables and or services provided by the Company,

(iv) misappropriation of any third party trade secrets or infringement of any patent,

trademarks, copyrights etc. or such other statutory infringements in respect of all

components provided to fulfill the scope of this project, (v) claims made by the employees,

sub-contractor, sub-contractors employees, who are deployed by the Company, under this

contract, (vi) breach of confidentiality obligations of the Company, (vii) gross negligence

or gross misconduct solely attributable to the Company or by any agency, contractor,

subcontractor or any of their employees by the Company for the purpose of any or all of

the obligations under this agreement. The Company shall further indemnify Bank against

any loss or damage arising out of loss of data, claims of infringement of third-party

copyright, patents, or other intellectual property, and third-party claims on BANK for

malfunctioning of the device or software or deliverables at all points of time, provided

however, (i) BANK notifies the Company in writing immediately on being aware of such

claim, (ii) the Company has sole control of its defense and all related settlement

negotiations. Company shall be responsible for any loss of data, loss of life, etc., due to

acts of Company representatives, and not just arising out of gross negligence or misconduct

etc., as such liabilities pose significant risk. The Company shall indemnify BANK

(including its employees, directors or representatives) from and against claims, losses, and

liabilities arising from:

1. Non-compliance of the Company with Laws / Governmental Requirements.

2. Intellectual Property infringement or misappropriation.

3. Negligence and misconduct of the Company, its employees, sub-contractor and agents.

4. Breach of any terms of Agreement, Representation or Warranty.

5. Act of omission or commission in performance of service.


54

6. Loss of data.

Indemnity would be limited to court or arbitration awarded damages and shall exclude

indirect, consequential and incidental damages. However indemnity would cover damages,

loss or liabilities, compensation suffered by BANK arising out of claims made by its

customers and/or regulatory authorities.

The Company shall indemnify, protect and save BANK against all claims, losses, costs,

damages, expenses, action, suits and other proceedings, resulting from misappropriation of

any third party trade secrets or infringement of any patent, trademarks, copyrights etc. or

such other statutory infringements under any laws including the Copyright Act, 1957 or

Information Technology Act 2000 in respect of all the hardware, software and network

device or other systems supplied by them to BANK from whatsoever source, provided

BANK notifies the Company in writing as soon as practicable when BANK becomes aware

of the claim however, (i) the Company has sole control of its defense and all related

settlement negotiations (ii) BANK provides the Company with the assistance, information

and authority reasonably necessary to perform the above and (iii) BANK does not make

any statements or comments or representations about the claim without the prior written

consent of the Company, except where BANK is required by any court/ authority/ regulator

to make a comment / statement/representation/pleading. Indemnity would be limited to

court or arbitration awarded damages and shall exclude indirect, consequential and

incidental damages and compensations. However indemnity would cover damages, loss or

liabilities suffered by BANK arising out of claims made by its customers and/or regulatory

authorities.

15. TERMINATION OF CONTRACT:

For Convenience:

BANK by written notice sent to the Company may terminate the contract in whole or in

part at any time for its convenience giving three (3) months prior notice. The notice of

termination shall specify that the termination is for convenience stipulating the extent to


55

which performance of the Company under the contract is terminated and the date upon

which such termination become effective.

For Insolvency:

BANK may at any time terminate the contract by giving written notice to the Company, if

the Company becomes bankrupt or insolvent.

For Non-performance

BANK reserves its right to terminate the contract in the event the Company repeatedly fails

to maintain the service levels prescribed by BANK in scope of work.

In the event of termination, termination will be without compensation to the Company

provided that such termination will not prejudice or affect any right of action of remedy

which has accrued or will accrue thereafter to BANK.

16. Consequences of Termination

ln the event of termination of the Agreement for the reasons stated in Termination Clause

of this agreement, the Bank shall be entitled to impose any such obligations and conditions

and issue any clarifications as may be reasonably necessary to ensure an efficient transition

and effective business continuity of the Service(s) which the Vendor shall be obliged to

comply with and take all reasonable steps to minimize loss resulting from that

termination/breach and further allow the next vendor to take over the obligations of the

Vendor in relation to the the scope of the Agreement.

In the event that the termination of the Agreement is due to the expiry of the Term, the

Vendor shall be obliged to provide all such reasonable assistance to the next vendor or any

other person as may be required by the Bank.

Nothing herein shall restrict the right of the Bank to invoke the Performance Bank

Guarantee and pursue such other rights and/or remedies that may be available to the Bank

under law or otherwise.


56

The termination hereof shall not affect any accrued right or liability of either Party nor

affect the operation of the provisions of the Agreement that are expressly or by implication

intended to come into or continue in force on or after such termination.

17. Disaster Recovery Mechanism

The proposed system must be capable of and compatible for Disaster Recovery

implementation. The Vendor should describe the provisions for disaster recovery and show

that the system facilitates disaster recovery.

18. Migration

In the event of termination or expiry of the Term, the Vnedor shall cooperate with the bank

in migrating the Biometrics Attendance System. Delete all data and records of the Bank

data that may exist with the Vendor.

19. Ownership and Retention of Documents

The Bank shall own the documents, prepared by or for the Vendor arising out of or in

connection with the Agreement"

Forthwith upon expiry or earlier termination of the Agreement and at any other time on

demand by the Bank, the Vendor shall deliver to the Bank all documents provided by or

originating from the Bank and all documents produced by or from or for the Vendor in the

course of performing the Service(s), unless otherwise directed in writing by the Bank at no

additional cost.

The Vendor shall not, without the prior written consent of the Bank store, copy, distribute

or retain any such Documents.


57

The Vendor shall preserve all documents provided by or originating from the Bank and all

documents produced by or from or for the Vendor in the course of performing the

Service(s) in accordance with the legal, statutory, regulatory obligations of the Banking

this regard.

20. Compliance with statutory and regulatory provisions

It shall be the sole responsibility of the Vendor to comply with all statutory, regulatory &

Law of Land and provisions while delivering the Services provided that if there is a

substantial change in the law, such changes shall be at the cost of the Bank

21. Audit and Inspection of records

The Bank, Reserve Bank of India, and/or their auditors (whether internal or external) shall

be authorized to make inquiries and conduct audit in connection with vendor's compliance

with its obligations as per this Agreement. The vendor agrees to provide the Bank with

such information and access for audit of the Vendor, as requested by the Bank, Reserve

Bank of India, and/or their auditors. At all times, the Bank, Reserve Bank of India, and/or

their auditors shall have the right to audit the records of the Vendor directly or through its

representatives in relation to the Services hereunder. All Vendor’s records with respect to

any matters covered by this Agreement and/or as may be required by the Bank, Reserve

Bank of India, and/or their auditors shall be made available to the Bank or its designees as

often as the Bank deems necessary, to audit, examine, and make excerpts or transcripts of

all relevant data. Vendor is aware that any failure to provide the data or refusal by them to

permit audit as above may attract penalty being imposed on the Bank by the RBl. Such

penalty due to non provision of such data and / or records attributable to the Vendor shall

be recovered by the Bank from the Vendor.

The Vendor shall address all such audit findings and implement the measures to mitigate

risks as brought out therein. The Vendor shall comply with procedures to deal with


58

deficiencies noted by auditors, government regulators and other internal or external

agencies and provide relevant solutions.

22. Force Majeure

The Vendor or BANK shall not be liable for penalty or termination for default if and to the

extent that its delay in performance or other failure to perform its obligations under the

contract is the result of an event of Force Majeure. For purposes of this clause, “Force

Majeure” means an event beyond the control of the Vendor and not involving BANK or

Vendor’s fault or negligence and not foreseeable. Such events may include, but not

restricted to wars, revolutions, epidemics, natural disasters etc.

If force majeure situation arises, the Vendor shall promptly notify BANK in writing of

such condition and cause thereof. Unless otherwise directed by BANK in writing, the

Vendor shall continue to perform its obligations under contract as far as possible.

23. Limitation of Liability

a) Notwithstanding anything contained herein, neither Party shall be liable for any

indirect, special, punitive, consequential or incidental damages (including, without

limitation, loss of use, data, revenue, profits, business) under this agreement and the

aggregate liability of bidder, under this agreement shall not exceed more than the total

contract value.

b) Except as provided in this agreement there are no other express or implied

warranties, representations, undertakings or conditions.

24. Resolution of Disputes

“In the event of disputes, differences, claims and questions between the Parties hereto

arising out of this Agreement or in any way relating hereto or any term, condition or

provision herein mentioned or the construction or interpretation thereof or otherwise in

relation hereto, the Parties shall first endeavor to settle such differences, disputes, claims

or questions by friendly consultation and failing such settlement, the same shall be


59

referred to the arbitration of two arbitrators, one to be appointed by each Party and such

arbitrators shall appoint an umpire before commencing the arbitration proceedings. The

arbitration shall be held in accordance with the Jammu and Kashmir Arbitration and

Conciliation Act, 1997 or any statutory modification or re-enactment thereof for the time

being in force and shall be held in Jammu and conducted in English language.

The Court in Jammu alone shall have jurisdiction over such arbitration proceedings. The

award of the Arbitration shall be final, conclusive and binding upon the Parties hereto as

an award of Jammu and Kashmir Arbitration and Conciliation Act, 1997 or any statutory

modification or re-enactment thereof for the time being in force. Such award may be filed

in any competent Court in Jammu.

Each Party will bear the expenses/costs incurred by it in appointing the Arbitrator.

However, the cost of appointing the Umpire shall be borne equally by both the Parties.”

25. Governing Laws

The Contract, its meaning and interpretation and the relation between the parties shall be

governed by the applicable laws of the Union of India read with local laws of the state of

Jammu & Kashmir and the Vendor shall agree to submit to the courts under whose

exclusive jurisdiction the Registered Office of BANK falls.

26. ADDRESS OF NOTICES:

Following shall be address of BANK for notice purpose:

General Manager,

J&K Grameen Bank,

Head Office, Narwal, Jammu- 180 006 (India)

Following shall be address of Company for notice purpose:

……………………………………………………

…………………………………………………………


60

………………………………………………………………..

27. Nothing contained in this Agreement shall be deemed or constructed as creating a joint

venture or partnership between the Company and the Bank.

28. This Agreement may be modified or amended solely in writing as signed by both

Parties.

29. The invalidity or unenforceability for any reason of any covenant of this Agreement

shall not prejudice or affect the validity or enforceability of its other covenants. The invalid

or unenforceable provision will be replaced by a mutually acceptable provision, which

being valid and enforceable comes closest to the intention and economic positions of the

Parties underlying the invalid or unenforceable provision.

This Agreement has been signed in duplicate at ………………………. on

……………………………, each of which shall be deemed to be an original.

Agreed and signed on behalf of Agreed and signed on behalf of

Company’s Authorized Signatory J&K Grameen Bank

(Authorized Signatory)

Name…………………………… Name……………………………

Designation…………………… Designation……………………

Place…………………………… Place……………………………

Date…………………………… Date……………………………

Witness (1): Witness (1):

Name…………………………… Name……………………………


Place…………………………… Place……………………………

Date…………………………… Date……………………………

Witness (2): Witness (2):


61

Name…………………………… Name……………………………


Place…………………………… Place……………………………

Date…………………………… Date……………………………

NOTE: Bank reserves the right to change/modify/add/remove any point of the SLA

before signing.

ANNEXURE-9

Mutual Nondisclosure Agreement

THIS MUTUAL NONDISCLOSURE AGREEMENT (the “Agreement”) is made and

entered into as of (DD/MM/YYYY) by and between _________, a company incorporated

under the laws of India , having its registered address at __________________________

(the “Company”) and J & K Grameen Bank(the “Recipient”).

1. Purpose J&K Grameen Bank has engaged or wishes to engage the company for

undertaking the project vide Purchase Order No:…………………and each party may

disclose or may come to know during the course of the project certain confidential technical

and business information which the disclosing party desires the receiving party to treat as

confidential.

2. “Confidential Information” means any information disclosed or acquired by other

party during the course of the projects, either directly or indirectly, in writing, orally or by

inspection of tangible objects (including without limitation documents, prototypes,

samples, technical data, trade secrets, know-how, research, product plans, services,

customers, markets, software, inventions, processes, designs, drawings, marketing plans,

financial condition and the Company’s plant and device), which is designated as

“Confidential,” “Proprietary” or some similar designation. Information communicated


62

orally shall be considered Confidential Information if such information is confirmed in

writing as being Confidential Information within a reasonable time after the initial

disclosure. Confidential Information may also include information disclosed to a disclosing

party by third parties. Confidential Information shall not, however, include any information

which (i) was publicly known and made generally available in the public domain prior to

the time of disclosure by the disclosing party; (ii) becomes publicly known and made

generally available after disclosure by the disclosing party to the receiving party through

no action or inaction of the receiving party; (iii) is already in the possession of the receiving

party at the time of disclosure by the disclosing part as shown by the receiving party’s files

and records immediately prior to the time of disclosure; (iv) is obtained by the receiving

party from a third party without a breach of such third party’s obligations of confidentiality;

(v) is independently developed by the receiving party without use of or reference to the

disclosing party’s Confidential Information, as shown by documents and other competent

evidence in the receiving party’s possession; or (vi) is required by law to be disclosed by

the receiving party, provided that the receiving party gives the disclosing party prompt

written notice of such requirement prior to such disclosure and assistance in obtaining an

order protecting the information from public disclosure.

3. Non-use and Non-disclosure. Each party agrees not to use any Confidential Information

of the other party for any purpose except to evaluate and engage in discussions concerning

a potential business relationship between the parties. Each party agrees not to disclose any

Confidential Information of the other party to third parties or to such party’s employees,

except to those employees of the receiving party who are required to have the information

in order to evaluate or engage in discussions concerning the contemplated business

relationship. Neither party shall reverse engineer, disassemble, or decompile any

prototypes, software or other tangible objects which embody the other party’s Confidential

Information and which are provided to the party hereunder.

4. Maintenance of Confidentiality. Each party agrees that is shall take reasonable

measures to protect the secrecy of and avoid disclosure and unauthorized use of the

Confidential Information of the other party. Each party shall take at least those measures


63

that it takes to protect its own mosthighly confidential information and shall ensure that its

employees who have access to Confidential Information of the other party have signed a

non-use and non-disclosures agreement in content similar to the provisions hereof, prior to

any disclosure of Confidential Information to such employees. Neither party shall make

any copies of the Confidential Information of the other party unless the same are previously

approved in writing by the other party. Each party shall reproduce the other party’s

proprietary rights notices on any such approved copies, in the same manner in which such

notices were set forth in or on the original. Each party shall immediately notify the other

party in the event of any unauthorized use or disclosure of the Confidential Information.

5. No Obligation. Nothing herein shall obligate either party to proceed with any transaction

between them and each party reserves the right, in its sole discretion, to terminate the

discussions contemplated by this Agreement concerning the business opportunity. This

Agreement does not constitute a joint venture or other such business agreement.

6. No Warranty. All Confidential Information is provided “AS IS.” Each party makes no

warranties, expressed, implied or otherwise, regarding its accuracy, completeness or

performance.

7. Return of Materials. All documents and other tangible objects containing or

representing Confidential Information which have been disclosed by either party to the

other party, and all copies thereof which are in the possession of the other party, shall be

and remain the property of the disclosing party and shall be promptly returned to the

disclosing party upon the disclosing party’s written request.

8. No License. Nothing in this Agreement is intended to grant any rights to either party

under any patent, mask work right or copyright of the other party, nor shall this Agreement

grant any party any rights in or to the Confidential Information of the other party except as

expressly set forth herein.


64

9. Term. The Obligations of each receiving party hereunder shall survive for a period of

___________from the date hereof.

10. Adherence. The content of the agreement is subject to adherence audit by J&K

Grameen Bank. It shall be the responsibility of the Company to fully cooperate and make

available the requisite resources/evidences as mandated by J&K Grameen Bank Supplier

Security policy.

11. Remedies. Each party agrees that any violation or threatened violation of this

Agreement may cause irreparable injury to the other party, entitling the other party to seek

injunctive relief in addition to all legal remedies.

12. Arbitration, Governing Law & Jurisdiction

a. In the event of disputes, differences, claims and questions between the Parties hereto

arising out of this Agreement or in any way relating hereto or any term, condition or

provision herein mentioned or the construction or interpretation thereof or otherwise in

relation hereto, the Parties shall first endeavour to settle such differences, disputes, claims

or questions by friendly consultation and failing such settlement, the same shall be referred

to the arbitration of two arbitrators, one to be appointed by each Party and such arbitrators

shall appoint an umpire before commencing the arbitration proceedings. The arbitration

shall be held in accordance with the Jammu and KashmirArbitration and Conciliation Act,

1997 or any statutory modification or re-enactment thereof for the time being in force.

b. The Courts in Jammu alone shall have jurisdiction over such arbitration proceedings.

c. The award of the Arbitration shall be final, conclusive and binding upon the Parties

hereto as an award of Jammu and KashmirArbitration and Conciliation Act, 1997 or any

statutory modification or re-enactment thereof for the time being in force. Such award shall

be filed in any competent Court in Jammu.

d. Each Party will bear the expenses/costs incurred by it in appointing the Arbitrator.

However, the cost of appointing the Umpire shall be borne equally by both the Parties.”


65

e. This Agreement is construed and shall be governed in accordance with the laws of India

read with the local laws of the State of Jammu and Kashmir.”

13. Miscellaneous. This Agreement shall bind and injure to the benefit of the parties hereto

and their successors and assigns. This document contains the entire Agreement between

the parties with respect to the subject matter hereof, and neither party shall have any

obligation, express or implied by law, with respect to trade secret or propriety information

of the other party except as set forth herein. Any failure to enforce any provision of this

Agreement shall not constitute a waiver thereof or of any other provision.

Any provision of this Agreement may be amended or waived if, and only if such

amendment or waiver is in writing and signed, in the case of amendment by each Party, or

in the case of a waiver, by the party against whom the waiver is to be effective”.

The undersigned represent that they have the authority to enter into this Agreement on

behalf of the person, entity or corporation listed above their names.

COMPANY NAME RECIPIENT By: By:

(Signature) (Signature)

Name: Name:

Title: Title:

Address: Address:

Company Seal Company Seal


66

ANNEXURE-10

LIST OF OFFICES/BRANCHES:

S.No. Branch Name Address City

1

HEAD OFFICE NARWAL,NEAR FRUIT

COMPLEX, TEHSIL AND

DISTT. JAMMU,

JAMMU&KASHMIR

JAMMU

2

AREA OFFICE,

JAMMU

NARWAL,NEAR FRUIT

COMPLEX,TEHSIL AND

DISTT. JAMMU,

JAMMU&KASHMIR

JAMMU

3

AREA OFFICE,

KATHUA

NEAR J&K GRAMEEN

BANK, B/O KATHUA,

DISTT. KATHUA, JAMMU

& KASHMIR

KATHUA

4

AREA OFFICE,

RAJOURI/POONCH

RAJOURI, TEHSIL AND

DISTT. RAJOURI, JAMMU

& KASHMIR

RAJOURI

5

REGIONAL

OFFICE, KASHMIR

NEW COLONY SOPORE,

DISTT. BARAMULLA,

JAMMU & KASHMIR

BARAMULLA

6

AREA OFFICE,

BARAMULLA

NEAR J&K GRAMEEN

BANK, B/O

JADEED,DISTT.

BARAMULLA, JAMMU &

KASHMIR

BARAMULLA

7

AREA OFFICE,

BANDIPORA

NEAR J&K GRAMEEN

BANK, B/O BANDIPORA,

DISTT. BANDIPORA,

JAMMU & KASHMIR

BANDIPORA


67

8

AREA OFFICE,

KUPWARA

NEAR J&K GRAMEEN

BANK, B/O KUPWARA,

DISTT. KUPWARA,

JAMMU & KASHMIR

KUPWARA

9

IBR

DEPARTMENT,

JAMMU

J&K GRAMEEN BANK

HEAD OFFICE, NRWAL,

NEAR FRUIT COMPLEX,

DISTT. JAMMU, JAMMU &

KASHMIR

JAMMU

10

KHOUR KHOUR, TEH. AKHNOOR,


KASHMIR

JAMMU

11

DABLEHAR DABLEHAR,TEH. RANBIR

SINGH PURA, DISTT.

JAMMU, JAMMU &

KASHMIR

JAMMU

12

RAMGARH RAMGARH, TEHSIL

SAMBA, DISTT. SAMBA,

JAMMU & KASHMIR

SAMBA

13

GHO MANHASAN GHO MANHASAN, TEHSIL

AND DISTT. JAMMU,

JAMMU & KASHMIR

JAMMU

14

NANDPUR NANDPUR, TEHSIL AND

DISTT. SAMBA, JAMMU &

KASHMIR

SAMBA

15

ARNIA ARNIA, TEHSIL BISHNAH,


KASHMIR

JAMMU

16

BADYAL

BRAHMANA

BADYAL BRAHMANA

CSO, TEH. RANBIR SINGH

PURA, DISTT. JAMMU,

JAMMU & KASHMIR

JAMMU

17

CHAKROI CHAKROI, TEH. RANBIR

SINGH PORA, DISTT.

JAMMU, JAMMU &

KASHMIR

JAMMU

18

GAJANSU GAJANSU, TEHSIL AND


KASHMIR

JAMMU

19

KALAYANPUR KALYANPUR, P.O. KANA

CHAK, TEH. AND DISTT.

JAMMU, JAMMU &

KASHMIR

JAMMU

20

KHERI B/O KHERI, TEHSIL

BISHNAH, DISTT. JAMMU,

JAMMU & KASHMIR

JAMMU


68

21

BASPUR BASPUR, TEH. RANBIR

SINGH PURA, DISTT.

JAMMU, JAMMU &

KASHMIR

JAMMU

22

KIRPIND KIRPIND, TEH. RANBIR

SINGH PURA, DISTT.

JAMMU, JAMMU &

KASHMIR

JAMMU

23

DEOLI DEOLI, TEHSIL BISHNAH,


KASHMIR

JAMMU

24

MAIRA MAIRA, TEHSIL

AKHNOOR, DISTT.

JAMMU, JAMMU &

KASHMIR

JAMMU

25

PHALLAIN PHALLIAN, P.O. JAMMU

CANTT., TEH. AND DISTT.

JAMMU, JAMMU &

KASHMIR

JAMMU

26

PARGWAL PARGWAL, TEHSIL

AKHNOOR, DISTT.

JAMMU, JAMMU &

KASHMIR

JAMMU

27

PALLANWALA PALLANWALA, TEHSIL

AKHNOOR, DISTT.

JAMMU, JAMMU &

KASHMIR

JAMMU

28

PANGDOUR PANGDOUR, TEHSIL AND


KASHMIR

SAMBA

29

SARORE SARORE, TEHSIL


JAMMU & KASHMIR

JAMMU

30

CHATHA CHATHA, TEHSIL

JAMMU, P.O. JAMMU

CANTT., DISTT. JAMMU,

JAMMU & KASHMIR

JAMMU

31

SIMBAL MORE BLOCK AND TEHSIL

R.S.PURA, DISTT. JAMMU,

JAMMU & KASHMIR

JAMMU

32

BHALWAL V.P.O.BHALWAL, TEHSIL

AND DISTT. JAMMU,

JAMMU & KASHMIR

JAMMU

33

JAKH JAKH, P.O. BARI

BRAHMANA, TEHSIL

SAMBA


69

AND DISTT. SAMBA,

JAMMU & KASHMIR

34

MUTHI MUTHI, P.O. DOMANA,

TEHSIL AND DISTT.

JAMMU, JAMMU &

KASHMIR

JAMMU

35

JANDRAH JANDRAH, P.O.

DHANSAL, TEHSIL AND


KASHMIR

JAMMU

36

RAYA RAYA, TEHSIL AND


KASHMIR

SAMBA

37

KOTLI MIAN

FATEH

KOTLI MIAN FATEH,

TEHSIL RANBIR SINGH

PURA, DISTT. JAMMU,

JAMMU & KASHMIR

JAMMU

38

SWANKHA MORE SWANKHA MORE,P.O.

VIJAYPUR, TEHSIL AND


KASHMIR

SAMBA

39

SAI SAI, TEHSIL RANBIR

SINGH PURA, DISTT.

JAMMU, JAMMU &

KASHMIR

JAMMU

40

PURMANDAL PURMANDAL, TEHSIL

AND DISTT. SAMBA,

JAMMU & KASHMIR

SAMBA

41

NARDI NARDI, TEHSIL

AKHNOOR, DISTT.

JAMMU, JAMMU &

KASHMIR

JAMMU

42

REHAL

DHAMALIAN

REHAL DHAMALIAN, P.O.

BISHNAH, TEHSIL


JAMMU & KASHMIR

JAMMU

43

SATRAYAN CAMP SATRAYAN CAMP,

TEHSIL RANBIR SINGH

PURA, DISTT. JAMMU,

JAMMU & KASHMIR

JAMMU

44

BOHRI PATTA BOHRI PATTA, P.O.

TALAB TILLO, TEHSIL

AND DISTT. JAMMU,

JAMMU & KASHMIR

JAMMU


70

45

SUMB SUMB, TEHSIL AND


KASHMIR

SAMBA

46

KOTLI JHAJJAR KOTLI JHAJJAR, TEHSIL

AND DISTT. JAMMU,

JAMMU & KASHMIR

JAMMU

47

KANHAL KANHAL, TEHSIL


JAMMU & KASHMIR

JAMMU

48

CHANNI HIMMAT CHANNI HIMMAT, P.O.

GANDHI NAGAR, TEHSIL

AND DISTT. JAMMU,

JAMMU & KASHMIR

JAMMU

49

NAGROTA NAGROTA, P.O.

KANDOLI, TEHSIL AND


KASHMIR

JAMMU

50

SRUINSAR SURINSAR, TEHSIL AND


KASHMIR

JAMMU

51

CHOWKI-

CHOWRA

CHOWKI CHORA, TEHSIL

AKHNOOR, DISTT.

JAMMU, JAMMU &

KASHMIR

JAMMU

52

NADH NAI KALI, NADH, TEHSIL


KASHMIR

SAMBA

53

GURAH

SALATHIAN

GURAH SLATHIAN,

TEHSIL AND

DISTT.SAMBA, JAMMU &

KASHMIR

SAMBA

54

CHANDAK CHANDAK, TEHSIL

HAVELI, DISTT. POONCH,

JAMMU & KASHMIR

POONCH

55

DARHAL

MALKAN

DARHAL MALKAN,

TEHSIL THANAMANDI,


& KASHMIR

RAJOURI

56

GUJROO

NAGROTA

GUJROO NAGROTA,

TEHSIL BILLAWAR,


& KASHMIR

KATHUA

57

MAHANPUR MAHANPUR, TEHSIL

BASHOLI, DISTT.

KATHUA, JAMMU &

KASHMIR

KATHUA


71

58

TRIATH TRIATH, TEHSIL

KALAKOTE, DISTT.

RAJOURI, JAMMU &

KASHMIR

RAJOURI

59

JHULAS JHULAS, TEHSIL HAVELI,

DISTT. POONCH, JAMMU

& KASHMIR

POONCH

60

PARNALLA PARNALLA, TEHSIL

BILLAWAR, DISTT.

KATHUA, JAMMU &

KASHMIR

KATHUA

61

MANDLI MANDLI, TEHSIL

HIRANAGAR, DISTT.

KATHUA, JAMMU &

KASHMIR

KATHUA

62

MANDI

SANGWALI

MANDI SANGWALI,

TEHSIL AND DISTT.

SAMBA, JAMMU &

KASHMIR

SAMBA

63

SIOT SIOT, TEHSIL

SUNDERBANI, DISTT.

RAJOURI, JAMMU &

KASHMIR

RAJOURI

64

PHAINTER PHAINTER, P.O.

BILLAWAR, TEHSIL

BILLAWAR, DISTT.

KATHUA, JAMMU &

KASHMIR

KATHUA

65

MANJAKOTE MANJAKOTE, TEHSIL


& KASHMIR

RAJOURI

66

DAYALA CHAK DAYALA CHAK, TEHSIL

HIRANAGAR, DISTT.

KATHUA, JAMMU &

KASHMIR

KATHUA

67

SURANKOTE SURANKOTE, TEHSIL

SURANKOTE, DISTT.

POONCH, JAMMU &

KASHMIR

POONCH

68

BUFLIAZ BAFLIAZ, TEHSIL

SURANKOTE, DISTT.

POONCH, JAMMU &

KASHMIR

POONCH

69

SHERPUR BALA SHERPURBALA, TEHSIL

HIRANAGAR, DISTT.

KATHUA


72

KATHUA, JAMMU &

KASHMIR

70

BARWAL BARWAL, TEHSIL AND


& KASHMIR

KATHUA

71

SHAKTI NAGAR SHAKTI NAGAR, TEHSIL

AND DISTT. JAMMU,

JAMMU & KASHMIR

JAMMU

72

BAJABAIN BAJABAIN(KANGRI),

TEHSIL SUNDERBANI,


& KASHMIR

RAJOURI

73

SUNDERBANI SUNDERBANI, TEHSIL

SUNDERBANI, DISTT.

RAJOURI, JAMMU &

KASHMIR

RAJOURI

74

PALAM PALAM, TEHSIL AND


& KASHMIR

RAJOURI

75

MANKOTE MANKOTE, TEHSIL

MENDHAR, DISTT.

POONCH, JAMMU &

KASHMIR

POONCH

76

MENDHAR MENDHAR, ROAD

DHARGLOON, TEHSIL

MENDHAR, DISTT.

POONCH, JAMMU &

KASHMIR

POONCH

77

RAJOURI RAJOURI, TEHSIL AND


& KASHMIR

RAJOURI

78

JAKHBAR BORDER RD, JAKHBAR,

TEHSIL AND DISTT.

KATHUA, JAMMU &

KASHMIR

KATHUA

79

BHOOND BHUND, TEHSIL

BASOHLI, DISTT.

KATHUA, JAMMU &

KASHMIR

KATHUA

80

SIALSUI KALAKOTE RAJOURI

ROAD, SIALSUI, TEHSIL

KALAKOTE, DISTT.

RAJOURI, JAMMU &

KASHMIR

RAJOURI


73

81

SHAHDARA SHAHDARA, P.O.

THANAMANDI, TEHSIL

KALAKOTE, DISTT.

RAJOURI, JAMMU &

KASHMIR

RAJOURI

82

POONCH POONCH, TEHSIL AND

DISTT. POONCH, JAMMU

& KASHMIR

POONCH

83

AKHNOOR AKHNOOR RD, TEHSIL

AKHNOOR, DISTT.

JAMMU, JAMMU &

KASHMIR

JAMMU

84

DOONGI

BRAHMANA

PEER BADESHAR ROAD,

TEHSIL AND DISTT.

RAJOURI, JAMMU &

KASHMIR

RAJOURI

85

SIMBAL CAMP SIMBLE CAMP, P.O.

MIRAN SAHIB, TEH. R.S.

PURA, DISTT. JAMMU,

JAMMU & KASHMIR

JAMMU

86

NAGRI PAROLE BLOCK BARNOTI, P.O.

NAGRI PAROLE, TEHSIL

AND DISTT. KATHUA,

JAMMU & KASHMIR

KATHUA

87

BAGNOTI JAMMU RAJOURI

HIGHWAY, BAGNOTI,

TEHSIL NOWSHERA,


& KASHMIR

RAJOURI

88

TATAPANI KALALKOTE RD,

TATAPANI, TEHSIL

KALAKOTE, DISTT.

RAJOURI, JAMMU &

KASHMIR

RAJOURI

89

NOWSHERA NOWSHERA, TEHSIL

NOWSHERA, DISTT.

RAJOURI, JAMMU &

KASHMIR

RAJOURI

90

LAM LAM, P.O BHAWANI,

TEHSIL NOWSHERA,


& KASHMIR

RAJOURI

91

CHADWAL CHADWAL MORE, BLOCK

AND TEHSIL

HIRANAGAR, DISTT.

KATHUA


74

KATHUA, JAMMU &

KASHMIR

92

DHANGRI B/O DHANGRI, TEHSIL

AND DISTT. RAJOURI,

JAMMU & KASHMIR

RAJOURI

93

KATHUA B/O KATHUA, TEHSIL

AND DISTT. KATHUA,

JAMMU & KASHMIR

KATHUA

94

CHINGUS NOWSHERA RAJOURI

ROAD, CHINGUS, P.O.

N.BAGLA, TEHSIL AND


& KASHMIR

RAJOURI

95

DHARGLOON DHARGLOON, TEHSIL

MENDHAR, DISTT.

POONCH, JAMMU &

KASHMIR

POONCH

96

JOURIAN JOURIAN, TEHSIL

AKHNOOR, DISTT.

JAMMU, JAMMU &

KASHMIR

JAMMU

97

DEVAK DEVAK, P.O. PONI,

TEHSIL SUNDERBANI,


& KASHMIR

RAJOURI

98

BATERA B/O BATERA, P.O.

BATERA, TEHSIL AND


KASHMIR

JAMMU

99

SAMBA B/O SAMBA, TEHSIL AND

DISTT. SAMBA JAMMU &

KASHMIR

SAMBA

100

HARIPUR MORE B/O HARIPUR MORH,

TEHSIL HIRANAGAR,


& KASHMIR

KATHUA

101

RAJBAGH B/O RAJBAGH, TEHSIL

AND DISTT. KATHUA,

JAMMU & KASHMIR

KATHUA

102

MALIK MARKET NEAR GURUDWARA OPP.

BAJAJ AGENCY

NARWAL, BYE PASS

ROAD, TEHSIL AND


KASHMIR

JAMMU


75

103

NARWAL NARWAL, NEAR FRUIT

COMPLEX, NEW

UNIVERSITY, TEHSIL

AND DISTT. JAMMU,

JAMMU & KASHMIR

JAMMU

104

SANGRAMPUR SANGRAMPUR, GAJANSU

MARH ROAD, TEHSIL

AND DISTT. JAMMU,

JAMMU & KASHMIR

JAMMU

105

SERVICE

BRANCH, JAMMU

MAIN BAZAR SHAKTI

NAGAR, TEHSIL AND


KASHMIR

JAMMU

106

BISHNAH ARNIA ROAD, MAIN

BAZAR BISHNAH, TEHSIL


JAMMU & KASHMIR

JAMMU

107

SOLKI B/O SOLKI, TEHSIL

KALAKOTE, DISTT.

RAJOURI, JAMMU &

KASHMIR

RAJOURI

108

BAHU FORT BLOCK PURMANDAL,

TEHSIL AND DISTT.

JAMMU, JAMMU &

KASHMIR

JAMMU

109

BAWANI BAWANI, TEHSIL

NOWSHERA, DISTT.

RAJOURI, JAMMU &

KASHMIR

RAJOURI

110

COLLEGE ROAD

KATHUA

NEAR D.C. OFFICE,

COLLEGE ROAD

KATHUA, TEHSIL AND


& KASHMIR

KATHUA

111

DHARAMSAL DHARAMSAL, BLOCK

AND TEHSIL KALAKOTE,


& KASHMIR

RAJOURI

112

DUGGAN BLOCK DUGGAN, TEHSIL

BANI, DISTRICT

KATHUA, JAMMU &

KASHMIR

KATHUA

113

GHAGWAL BLOCK GHAGWAL,

TEHSIUL AND DISTT.

SAMBA, JAMMU &

KASHMIR

SAMBA


76

114

KHEORA B/O KHEORA, TEHSIL

AND DISTT. RAJOURI,

JAMMU & KASHMIR

RAJOURI

115

MANDI BLOCK AND TEHSIL

MANDI, DISTT. POONCH,

JAMMU & KASHMIR

POONCH

116

PALLI MORH PALLI MORE, BLOCK

BARNOTI, TEHSIL AND


& KASHMIR

KATHUA

117

PALOURA BLOCK PALOURA,

TEHSIL AND DISTT.

JAMMU, JAMMU &

KASHMIR

JAMMU

118

R.S. PURA BLOCK AND TEHSIL

R.S.PURA, DISTT. JAMMU,

JAMMU & KASHMIR

JAMMU

119

KISHTWAR BLOCK KISHTWAR,

TEHSIL AND DISTT.

KISHTWAR, JAMMU &

KASHMIR

KISHTWAR

120

CHANNI PRAT CHANNI PARAT, BLOCK

SUNDERBANI, TEHSIL

AND DISTT. RAJOURI,

JAMMU & KASHMIR

RAJOURI

121

MISHRIWALA MISHRIWALA, BLOCK

BHALWAL,TEHSIL AND


KASHMIR

JAMMU

122

M.B. SOPORE MAIN BAZAR, SOPORE,

DISTT. BARAMULLA,

JAMMU & KASHMIR

BARAMULLA

123

NEHALPORA NEHALPORA, DISTT.

BARAMULLA, JAMMU &

KASHMIR

BARAMULLA

124

GOUSH BUGH GOUSH BUGH, TEHSIL

PATTAN, DISTT.

BARAMULLA, JAMMU &

KASHMIR

BARAMULLA

125

KUNZER KUNZER, DISTT.

BARAMULLA, JAMMU &

KASHMIR

BARAMULLA

126

TUJAR SHARIEF WATALAB-CHATAK

ROAD, TUJAR SHARIF,

DISTT. BARAMULLA,

JAMMU & KASHMIR

BARAMULLA


77

127

QUILMUQAM SOPORE-BANDIPORA

ROAD, VILLAGE

KOYALMUKAM,

BANDIPORA, DISTT.

BANDIPORA, JAMMU &

KASHMIR

BANDIPORA

128

SAFAPORA VILLAGE SAFAPORA,

TEHSIL AND DISTT.

GANDERBAL, JAMMU &

KASHMIR

GANDERBAL

129

WAGOORA SHAKAWARA-SOPORE

ROAD,WAGOORA,

TEHSIL AND DISTT.

BARAMULLA, JAMMU &

KASHMIR

BARAMULLA

130

SHEERI BLA P.O. SHIREEN NARWAW,

SHIREEN, TEHSIL AND

DISTT. BARAMULLA,

JAMMU & KASHMIR

BARAMULLA

131

DRUGMULLA SOPORE-KUPWARA

ROAD, P.O. DRUGMULLA,

DISTT. KUPWARA,

JAMMU & KASHMIR

KUPWARA

132

POSHWAN POSHWAN

(ZACHALDARA),

HANDWARA-WADAPORA

ROAD, TEHSIL

HANDWARA, DISTT.

KUPWARA, JAMMU &

KASHMIR

KUPWARA

133

TILGAM SOPORE-PATTAN ROAD,

P.O. TILGAM, TEHSIL

PATTAN, DISTT.

BARAMULLA, JAMMU &

KASHMIR

BARAMULLA

134

DUROO SOPORE-SHIVA ROAD,

P.O DORU, TEHSIL

SOPORE, DISTT.

BARAMULLA, JAMMU &

KASHMIR

BARAMULLA

135

WILGAM P.O WILGAM, TEHSIL

HANDWARA, DISTT.

KUPWARA, JAMMU &

KASHMIR

KUPWARA


78

136

CHUGAL VILLAGE CHUGAL,

TEHSIL HANDWARA,

DISTT. KUPWARA,

JAMMU & KASHMIR

KUPWARA

137

YUNISOO P.O WHIPORA, YUNIS-

WHIPORA, TEHSIL

HANDWARA, DISTT.

KUPWARA, JAMMU &

KASHMIR

KUPWARA

138

MIRGUND P.O. MIRGUND, TEHSIL

PATTAN, DISTT.

BARAMULLA, JAMMU &

KASHMIR

BARAMULLA

139

WATPORA WATAPORA QAZIPORA,

TEHSIL BANDIPORA,

DISTT. BANDIPORA,

JAMMU & KASHMIR

BANDIPORA

140

KHORSHERABAD P.O. KHORE(SHARABAD),

TEHSIL PATTAN, DISTT.

BARAMULLA, JAMMU &

KASHMIR

BARAMULLA

141

KRANKSHIVAN SOPORE-SANGRAMA

ROAD, KRANKSHIVAN,

TEHSIL SOPORE, DISTT.

BARAMULLA, JAMMU &

KASHMIR

BARAMULLA

142

BATINGOO P.O BOTINGO, TEHSIL

SOPORE, DISTT.

BARAMULLA, JAMMU &

KASHMIR

BARAMULLA

143

KANISPORA P.O. KANISPORA, TEHSIL

AND DISTT.

BARAMULLA, JAMMU &

KASHMIR

BARAMULLA

144

REBAN P.O. REBAN, TEHSIL

SOPORE, DISTT.

BARAMULLA, JAMMU &

KASHMIR

BARAMULLA

145

JADEED MOHALLA JADEED, P.O.

BARAMULLA, TEHSIL

AND DISTT.

BARAMULLA, JAMMU &

KASHMIR

BARAMULLA

146

KALAMABAD P.O. KALAMABAD,

TEHSIL HANDWARA,

KUPWARA


79

DISTT. KUPWARA,

JAMMU & KASHMIR

147

CHOWKIBAL KUPWARA-KARNAH

ROAD, CHOWKIBAL,

TEHSIL AND DISTT.

KUPWARA, JAMMU &

KASHMIR

KUPWARA

148

SUMBAL SUMBAL, TEHSIL

SONAWARI, DISTT.

BANDIPORA, JAMMU &

KASHMIR

BANDIPORA

149

GULGAM KUPWARA-CHOWKIBAL

ROAD, GULGAM, TEHSIL

AND DISTT. KUPWARA,

JAMMU & KASHMIR

KUPWARA

150

NADHIHAL P.O. NADHIHAL, TEHSIL

AND DISTT. BANDIPORA,

JAMMU & KASHMIR

BANDIPORA

151

PATTAN P.O. PATTAN, TEHSIL

PATTAN, DISTT.

BARAMULLA, JAMMU &

KASHMIR

BARAMULLA

152

KACHUMUQAM KACHMUKAM, TEHSIL

AND DISTT.

BARAMULLA, JAMMU &

KASHMIR

BARAMULLA

153

PANZINARA SRINAGAR-SUMBAL

ROAD, PANZINARA,

TEHSIL AND DISTT.

SRINAGAR, JAMMU &

KASHMIR

SRINAGAR

154

WARPORA WARAPORA, P.O.

SOPORE, TEHSIL SOPORE,

DISTT. BARAMULLA,

JAMMU & KASHMIR

BARAMULLA

155

KRALGUND KRALGUND,TEHSIL

HANDWARA, DISTT.

KUPWARA, JAMMU &

KASHMIR

KUPWARA

156

ARINDARDPORA ARINARDPORA, TEHSIL


JAMMU & KASHMIR

BANDIPORA

157

SEER-JAGIR SEER JAGIR, P.O. SOPORE,

TEHSIL SOPORE, DISTT.

BARAMULLA


80

BARAMULLA, JAMMU &

KASHMIR

158

OGMUNA KARHAMA-OGMANA

ROAD, OGMANA, TEHSIL

TANGMARG, DISTT.

BARAMULLA, JAMMU &

KASHMIR

BARAMULLA

159

GINGAL GINGAL, TEHSIL URI,

DISTT. BARAMULLA,

JAMMU & KASHMIR

BARAMULLA

160

LALAPORA MAIN KUPWARA

ROAD,LALPORA, TEHSIL

AND DISTT. KUPWARA,

JAMMU & KASHMIR

KUPWARA

161

BANDIPORA BANDIPORA, TEHSIL


JAMMU & KASHMIR

BANDIPORA

162

TARATHPORA MAIN HANDWARA

ROAD, TARATPORA,

TEHSIL HANDWARA,

DISTT. KUPWARA,

JAMMU & KASHMIR

KUPWARA

163

TANGMARG TANGMARG, TEHSIL

TANGMARG, DISTT.

BARAMULLA, JAMMU &

KASHMIR

BARAMULLA

164

PRINGAL PRINGAL BARAMULLA

ROAD, PRINGAL, TEHSIL

URI, DISTT. BARAMULLA,

JAMMU & KASHMIR

BARAMULLA

165

KRALPORA KRALPORA, P.O.

TREGHAMR,TEHSIL AND

DISTT. KUPWARA,

JAMMU & KASHMIR

KUPWARA

166

AZADGUNJ AZADGUNJ, P.O.

BARAMULLA, TEHSIL

AND DISTT.

BARAMULLA, JAMMU &

KASHMIR

BARAMULLA

167

ROHAMA ROHAMA, TEHSIL

SOPORE, DISTT.

BARAMULLA, JAMMU &

KASHMIR

BARAMULLA


81

168

NOWGAM NOWGAM, TEHSIL

HANDWARA, DISTT.

KUPWARA, JAMMU &

KASHMIR

KUPWARA

169

NATUNSSA NATUNSSA, BLOCK AND

TEHSIL HANDWARA,

DISTT. KUPWARA,

JAMMU & KASHMIR

KUPWARA

170

N.C. SOPORE NEW COLONY, SOPORE-

NOWPORA ROAD, TEHSIL

SOPORE, DISTT.

BARAMULLA, JAMMU &

KASHMIR

BARAMULLA

171

URI BARAMULLA URI, TEHSIL URI,

DISTRICT BARAMULLA,

JAMMU & KASHMIR

BARAMULLA

172

SHEERPORA SHERPORA BANGIL,


BARAMULLA, JAMMU &

KASHMIR

BARAMULLA

173

KHANPETH KHANPETH, TEHSIL

PATTAN, DISTT.

BARAMULLA, JAMMU &

KASHMIR

BARAMULLA

174

UMER MARKET UMER MARKET

MOHALLA, LAL BABA

SAHIB SOPORE, TEHSIL

SOPORE, DISTT.

BARAMULLA, JAMMU &

KASHMIR

BARAMULLA

175

KAKARHAMAM KAKAR HAMAM, TEHSIL

AND DISTT.

BARAMULLA, JAMMU &

KASHMIR

BARAMULLA

176

ARAGAM ARAGAM, TEHSIL AND

DISTT. BANDIPORA,

JAMMU & KASHMIR

BANDIPORA

177

KHUMRIYAL KHUMRYAL, TEHSIL AND

DISTT. KUPWARA,

JAMMU & KASHMIR

KUPWARA

178

KUPWARA MAIN BAZAR KUPWARA,

TEHSIL AND DISTT.

KUPWARA, JAMMU &

KASHMIR

KUPWARA


82

179

KANTHIPORA KUPWARA-LOLAB ROAD,

KHANTIPORA, TEHSIL

AND DISTT. KUPWARA,

JAMMU & KASHMIR

KUPWARA

180

BAGH BELLA KUPWARA-KARNAH

ROAD, BAGHI-

BALA,TEHSIL KARNAH,

DISTT. KUPWARA,

JAMMU & KASHMIR

KUPWARA

181

TADD KUPWARA-KARNAH

ROAD, TADD, TEHSIL

KARNAH, DISTT.

KUPWARA, JAMMU &

KASHMIR

KUPWARA

182

KANDI KARNAH KANDI, KUPWARA-

KARNAH ROAD, TEHSIL

KARNAH, DISTT.

KUPWARA,JAMMU &

KASHMIR

KUPWARA

183

CHANDILORA CHANDILORA, TEHSIL

TANGMARG, DISTT.

BARAMULLA, JAMMU &

KASHMIR

BARAMULLA

184

SINGHPORA SINGHPORA-KALAN,

TEHSIL AND DISTT.

BARAMULLA, JAMMU &

KASHMIR

BARAMULLA

185

WAILUKRALPORA WAILU KRALPORA,


BARAMULLA, JAMMU &

KASHMIR

BARAMULLA

186

LADERWAN LADARWAN, TEHSIL

AND DISTT. KUPWARA,

JAMMU & KASHMIR

KUPWARA

187

HYGAM HAIGAM, TEHSIL

SOPORE,DISTT.

BARAMULLA, JAMMU &

KASHMIR

BARAMULLA

188

HANDWARA HANDWARA, TEHSIL

HANDWARA, DISTT.

KUPWARA, JAMMU &

KASHMIR

KUPWARA

189

SANGRAMA SANGRAMA, TEHSIL

SOPORE, DISTT.

BARAMULLA, JAMMU &

KASHMIR

BARAMULLA


83

190

PHUROPETH PHURU-PATH, TEHSIL

HANDWARA, DISTT.

KUPWARA, JAMMU &

KASHMIR

KUPWARA

191

BOMAI BOMAI SOPORE, TEHSIL

SOPORE, DISTT.

BARAMULLA,JAMMU &

KASHMIR

BARAMULLA

192

TREGPORA TREGPORA, TEHSIL

SOPORE, DISTT.

BARAMULLA, JAMMU &

KASHMIR

BARAMULLA

193

OTHOORA SRINAGAR SOPORE

ROAD, OTHURA, TEHSIL

AND DISTT.

BARAMULLA, JAMMU &

KASHMIR

BARAMULLA

194

DOBHIWAN DOBIWAN, P.O. MAGAM,

TEHSIL TANGMARG,

DISTT. BARAMULLA,

JAMMU & KASHMIR

BARAMULLA

195

BONIYAR MAIN MARKET,

BONIYAR,TEHSIL URI,

DISTT. BARAMULLA,

JAMMU & KASHMIR

BARAMULLA

196

PEERNIYA PEERNIAN, TEHSIL URI,

DISTT. BARAMULLA,

JAMMU & KASHMIR

BARAMULLA

197

WATERGAM WATERGAM, TEHSIL

SOPORE, DISTT

BARAMULLA, JAMMU &

KASHMIR

BARAMULLA

198

KHANPORA BLA NEAR OLD BUS STAND

KHANPORA, TEHSIL AND

DISTT. BARAMULLA,

JAMMU & KASHMIR

BARAMULLA

199

PALHALAN GOUSHBUGH PATTAN

ROAD,

PALHALAN,TEHSIL

PATTAN, DISTT.

BARAMULLA,JAMMU &

KASHMIR

BARAMULLA

200

NOORBAGH

(MODEL TOWN)

MODEL TOWN, SECTOR

C, SOPORE KUPWARA

ROAD,

NOORBAGH(MODEL

BARAMULLA


84

TOWN), DISTT.

BARAMULLA, JAMMU &

KASHMIR

201

DAWAR GUREZ DAWAR GUREZ, DISTT.

BANDIPORA, JAMMU &

KASHMIR

BANDIPORA

202

LEH MANEY TSILDING, OPP.

NEW BUS STAND, LEH,

DISTT. LEH, JAMMU &

KASHMIR

LEH

203

KAMALKOTE URI KAMALKOTE URI,

TEHSIL URI, DISTT.

BARAMULLA, JAMMU &

KASHMIR

BARAMULLA

204

NOWGAM

SONAWARI

NOWGAM SONAWARA,

DISTT. BANDIPORA,

JAMMU & KASHMIR

BANDIPORA

205

WAGUB SOPORE WAGUB SOPORE, TEHSIL

SOPORE, DISTT.

BARAMULLA, JAMMU &

KASHMIR

BARAMULLA

206

KARGIL SHELTY FRUIT &

VEGETABLE MARKET,

TEHSIL AND DISTT.

KARGIL, JAMMU &

KASHMIR

KARGIL

207

DOOL NEAR FOREST CHECK

POST BLOCK NAGSANI

POLICE CHOWKI, TEHSIL

AND DISTT. KISHTWAR,

JAMMU & KASHMIR

KISHTWAR

208

AGRIKALAN AGRIKALAN, DISTT.

BARAMULLA, JAMMU &

KASHMIR

BARAMULLA

209

KARTHOLI BLOCK VIJAYPUR, P.O.

SARORE ADDA, TEHSIL &


KASHMIR

SAMBA

210

HATLI BLOCK HATLI, TEHSIL

AND DISTT. KATHUA,

JAMMU & KASHMIR

KATHUA

211

E/C SARWAL LOWER LAXMI

NAGAR,SARWAL,P.O.

REHARI, TEHSIL AND

JAMMU


85


KASHMIR

212

HYDERBEIGH HYDERBEIGH, TEHSIL

PATTAN, DISTT.

BARAMULLA, JAMMU &

KASHMIR

BARAMULLA

213

HANJIWARA HANJIWARA, DISTT.

BARAMULLA, JAMMU &

KASHMIR

BARAMULLA

214

SHALTANG SHALTANG, DISTT.

SRINAGAR, JAMMU &

KASHMIR

SRINAGAR

215

CHAN GRAN V.P.O. CHAN GRAN,

TEHSIL AND DISTT.

KATHUA, JAMMU &

KASHMIR

KATHUA

216

BRIJNAGAR BRIJNAGAR, BLOCK

R.S.PURA, P.O. MIRAN

SAHIB, TEHSIL R.S.PURA,


KASHMIR

JAMMU

217

DIGIANA DIGIANA, P.O. DIGIANA,

TEHSIL AND DISTT.

JAMMU, JAMMU &

KASHMIR

JAMMU

218

SMAILPUR SMAILPUR, BLOCK

PURMANDAL, P.O.

SMAILPUR, TEHSIL AND


KASHMIR

SAMBA

219

KALUCHAK NEAR KUNJWANI

CHOWK, TEHSIL AND


KASHMIR

JAMMU

220

MARTA

NAGROTA

J&K GRAMEEN BANK,

MARTA NAGROTA,

TEHSIL BASOHLI, DISTT.

KATHUA, JAMMU &

KASHMIR

KATHUA

221

PATHLA J&K GRAMEEN BANK,

PATHLA, P.O. KHAWAJA

BAGH, BLOCK AND

DISTT. BARAMULLA

BARAMULLA


86

222

ASHTINGOO B.O ASHTINGOO, BLOCK

BANDIPORA, DISTT.

BANDIPORA, JAMMU &

KASHMIR

BANDIPORA

223

HAJIN HAJIN, P.O. HAJIN,

TEHSIL AND DISTT.

BANDIPORA, JAMMU &

KASHMIR

BANDIPORA

224

BANTALAB BANTALAB, BLOCK

BHALWAL, P.O.

BANTALAB, TEHSIL AND


KASHMIR

JAMMU

225

JEEVAN NAGAR JEEVAN NAGAR, P.O.

GANGYAL, TEHSIL AND


KASHMIR

JAMMU