Article 21.1 :

Every bank shall assume primary responsibility to give their 80% finance to cottage industries only.

Article 21.2 :

No bank can give any finance to any limited company until there is demand of finance for cottage industries or village level small scale industries.

Article 21.3 :

What is applicable to bank is also applicable to any insurance companies.

Article 21.4 :

Implementation of article 3.4 to 3.11 will be compulsory for Banks, insurance companies and any financial companies.