Institutions/organizations that meet the RSDC's eligibility criterion can apply for wholesale loan. Once RSDC receives application for loan, RSDC follows following procedure to sanction the loan amount:

1. RSDC deserves the right to accept or reject loan applications, assigning or without assigning any reason whatsoever.
2. RSDC checks thoroughly the accepted loan applications and may ask for further information/documents if required.
3. Once all the required documents and information from applicant institution/organization are obtained, RSDC assigns a date to visit (if required) and assess the applicant institution/organization.
4. During the field-visit RSDC makes due diligence study, analysis and evaluation of institutions/organizations and holds a group discussion with Board of Directors and other committee members.
5. After assessment RSDC will decide whether to approve or reject the loan application, and informs the applicant about the terms and conditions of the loan facility, if approved.
6. If loan application isapproved, preparation of required legal documents and loan disbursement process will proceed as per RSDC's rules and regulations.
7. In any stage of loan finalizingprocess, RSDC may ask for further information/documents and it will be the duty of applicant to furnish such information/documents.