m gbs. small & medium enterprises tiny units investment in plant & machinery maximum rs....

m

GBS

•

Small & Medium Enterprises

TINY UNITS INVESTMENT IN PLANT &

MACHINERY MAXIMUM RS. 25.00 LACS

SSI UNITS INVESTMENT IN PLANT & MACHINERY MAXIMUN Rs.100.00 LACS. FOR SOME INDUSTRIES LIKE DRUGS & PHARMACEUTI-CALS, HOSIERY, HAND TOOLS ETC. THE INVESTMENT LIMITRs.500.00LACS

MEDIUM ENTERPRISES

• THE UNITS WITH INVESTMENT IN PLANT & MACHINERY IN EXCESS OF SSI CEILINGS AND UP TO Rs. 10.00 CRORE ARE MEDIUM ENTERPRISES ( PRESENTLY BEING CLASSIFIED UNDER C&I SEGMENT).

• ADVANCES TO MEDIUM ENTERPRISES ARE NOT TO BE CONSIDERED AS PRIORITY SECTOR ADVANCES.

SMALL & MEDIUM ENTERPRISES

• • SCHEME KNOWN AS “INTEREST SUBSIDY SCHEME

TO SMALL AND MEDIUM ENTERPRISES” RECENTLY LAUNCHED & WILL REMAIN OPERATIONAL FOR 5 YEARS.

• ELIGIBLE UNITS : NEW UNITS AS WELL AS EXISTING UNITS TAKING UP EXPANSION OR DIVERSIFICATION. TERMS & CONDITIONS: ONE OF THE CONDITION IS THAT THE UNIT WILL HAVE TO REMAIN IN PRODUCTION AT LEAST FOR 5 YEARS FROM COMMENCEMENT OF COMMERCIAL PRODUCTION , OTHERWISE LIABLE TO PAY BACK..

INCENTIVES DECLARED BY GOVT. OF GUJARAT

OUR SOME SPECIAL SCHEMES ON SMALL & MEDIUM ENTERPRISES

•SBS SIB CREDIT CARD SCHEME

•SBS SME SMART SCORE SCHEME

•LAGHU UDHYAMI CREDIT CARD SCHEME

• SWAROJGAR CREDIT CARD SCHEME & ARTISANS CREDIT CARD SCHEME

STATE BANK OF SAURASHTRA

SBS SIB CREDIT CARDSCHEME

a

SBS SIB CREDIT CARD SCHEME

SCHEME FOR OUR EXISTING CUSTOMERS & CUSTOMERS OF OTHER BANKS HAVING

EXCELLENT PERFORMANCE AND CREDENTIALS.

SCHEME IS BASED ON SCORING SYSTEM. PROCESSING OF PROPOSAL MADE

SIMPLE.

SALIENT FEATURES


CREDIT CARD WITH CUSTOMER’S PHOTO IS ISSUED .

CARD VALID FOR A PERIOD OF THREE YEARS SUBJECT TO SATISFACTORY CONDUCT OF ACCOUNT

SBS SIB Credit Card

Card No. Name: Account No. Telephone No. Limit Rs._________ Date of Issue_______ Valid up to

______________ Branch

Signature of the Branch Manager

Card holder’s

Photograph with

Signature

• Hassle free credit up to Rs. 10.00 lacs.

• Stock statement for W.C. half yearly (instead of monthly) as at end of Aug. & Feb every year.

• Margin Only @ 20%. Interest is charged at normal rate as applicable under SSI and SBF segments.

• Loan for Purchase of Shop up to Rs.10.00 lacs granted under Small Business Enterprises.

WHAT ARE THE BENEFITS TO CUSTOMERS

SBS SIB CREDIT CARD--- LIMIT ASSESSMENT

S.S.I. UNITS & Tiny Sector Units –As per Nayak Committee Recommendations

100% OF GROSS ANNUAL DECLAREDINCOME TO BE TAKEN ASLIMIT FOR PROFESSIONAL & SELFEMPLOYED

20% OF

ANNUAL

TURNOVER

DECLARED

FOR TAX

PURPOSE OR

LAST 12

MONTHS’

TURNOVER

WHICHEVER IS

HIGHER ---

FOR SBF

UNITS


• For SBF 20% of the annual Turnover declared for tax purpose or last 12 month’s turnover whichever is higher. If no sales tax return is available, then last two years’ annual turnover is taken for assessment.

• For Professional & Self-Employed persons, 100% of their gross annual income as per IT return is considered as the limit for issuing credit card.

SBS SIB CREDIT CARD SCHEMESBS SIB CREDIT CARD SCHEME* *

* *

PRIMARYPRIMARY ASSETS AGAINST ASSETS AGAINST WHICH FINANCE WHICH FINANCE HAS BEEN MADE HAS BEEN MADE

COLLATERALCOLLATERAL

Under SSI,Under SSI, No Collateral Up To Rs.5.00 Lacs. For No Collateral Up To Rs.5.00 Lacs. For Loans up to Rs.25000/- under SBF -- no collaterals. Loans up to Rs.25000/- under SBF -- no collaterals. Guarantee coverageGuarantee coverage under Credit Guarantee Scheme under Credit Guarantee Scheme Necessary in case of collateral free loans to eligible Necessary in case of collateral free loans to eligible accounts.accounts.

SECURITY


SBS SME

SMART

SCORE

SCHEME

This scheme is specially designed for units This scheme is specially designed for units having credit requirement of over Rs. 5.00 having credit requirement of over Rs. 5.00

lacs and below Rs.25.00 lacs under lacs and below Rs.25.00 lacs under C&I , SSI, C&I , SSI, & SBF Segments.& SBF Segments.

This Scheme is based on Scoring System . This Scheme is based on Scoring System . Proposal processing is made very simple. Proposal processing is made very simple.

SALIENT FEATURES

SBS SME SMART SCORE SCHEME FOR SSI, SBF AND C&I UNITS

• Target Group:

We aim to Extend diverse Credit Needs of Small &

Medium Enterprises (SMEs) • The unit may be

Individually managed proprietorship / partnerships, closely held Private / Public limited Companies.

SBS SME SMART SCORE SCHEME

20% of Projected Sales

67% of Project

Cost .

Higher requirement can be considered on the basis of subjective assessment.

WORKING CAPITAL

TERM LOAN


NO CREDIT RATING ASSESSMENT

Interest will be charged as per our normal Rates of Interest under SSI, SBF & C&I segments.

SBS SME CREDIT CARD SCEHEME SCORING SYSTEM :

SCORES ON PERSONAL, BUSINESS AND COLLATERAL CONDITIONS. MAXIMUM MARKS :100

PERSONAL DETAILS MARKS : 30

BUSINESS DETAILS MARKS : 50 COLLATERAL DETAILS MARKS : 20

MINIMUM MARKS SHOULD BE OBTAINED 60 OUT OF 100

MINIMUM MARKS IN PERSONAL SEGMENT & BUSINESS SEGMENT 15 & 25 (50%). MINIMUM MARKS IN COLLATERAL 10 (EXCEPT COLLATERAL FREE LOANS WHERE MARKS WILL BE 0)


Renewal : Working Capital Limit can be renewed every year and Term Loan can be reviewed every year if the Credit Score is 60 & above and conduct of the account is satisfactory.

Repayment : 5 years for Term Loan (excluding moratorium period not exceeding 6 months).


LAGHU UDHYAMI CREDIT CARD SCHEME

SALIENT FEATURES

SCHEME IS APPLICABLETO OUR EXISTING CUSTOMERSONLY

SCHEME IS MADE SIMPLE

MINIMUMPAPER WORK

L

U

C

C

LAGHU UDHYAMI CREDIT LAGHU UDHYAMI CREDIT CARD SCHEMECARD SCHEME

WE ISSUE A PHOTO WE ISSUE A PHOTO CARD WITH LIMIT CARD WITH LIMIT & VALIDITY PERIOD & VALIDITY PERIOD OF CREDIT FACILITY OF CREDIT FACILITY TO THE ELIGIBLE TO THE ELIGIBLE LOAN CUSTOMERS. LOAN CUSTOMERS. THE CREDIT CARD THE CREDIT CARD IS VALID FOR IS VALID FOR THREE YEARS, THREE YEARS,

RENEWAL ON A RENEWAL ON A YEARLY BASIS YEARLY BASIS THROUGH A SIMPLE THROUGH A SIMPLE REVIEW PROCEDURE REVIEW PROCEDURE ONLY.ONLY.

PhotoCard is issued

CARDVALID

FOR THREEYEARS

RENEWALPROCESS

MADE EASY

LUCC

Maximum Limit Rs.10.00 lacs

INTERESTRATE @ BPLR i.e.11.50 % p.a. at present

LAGHU UDHYAMI CREDIT CARDLAGHU UDHYAMI CREDIT CARD

WE HAVE REMOVED THE WE HAVE REMOVED THE REQUIREMENT OF THE STOCK REQUIREMENT OF THE STOCK

STATEMENTS. THE LUCC STATEMENTS. THE LUCC A/C. A/C. HOLDERS ARE NOT HOLDERS ARE NOT REQUIRED REQUIRED TO SUBMIT THE TO SUBMIT THE STOCK STOCK STATEMENT.STATEMENT.

THE FACILITY WILL BE ALLOWED THE FACILITY WILL BE ALLOWED

AS AN OVERDRAFT IN AS AN OVERDRAFT IN CURRENTACCOUNT.CURRENTACCOUNT.

CHEQUE BOOK WILL BE ISSUED MARKED AS ‘LUCC CHEQUE BOOK WILL BE ISSUED MARKED AS ‘LUCC ACCOUNT’. STATEMENT OF A/C / PASSBOOK WILL BE ACCOUNT’. STATEMENT OF A/C / PASSBOOK WILL BE GIVEN AS IN NORMAL A/C.GIVEN AS IN NORMAL A/C.

FEATURES


Who Are Eligible?

ALL OUR EXISTING CUSTOMERS OF ALL OUR EXISTING CUSTOMERS OF FOLLWING CATEGORIES WHOSE FOLLWING CATEGORIES WHOSE DEALINGS WITH THE BANK WITH THE BANK FOR THE LAST THE LAST THREE YEARS ARE SATISFACTORYARE SATISFACTORY & WHO ENJOY & WHO ENJOY LIMIT UP TO Rs. 10.00 LACS.

CATEGORIES : SMALL BUSINESS UNITS, SMALL BUSINESS UNITS, RETAIL TRADERS, ARTISANS, VILLAGE RETAIL TRADERS, ARTISANS, VILLAGE INDUSTRIES, S.S.I & TINY UNITS, INDUSTRIES, S.S.I & TINY UNITS, PROFESSIONALS & SELF EMPLOYED PROFESSIONALS & SELF EMPLOYED PERSONS .PERSONS .


PRIMARY: ASSETS AGAINST WHICH FINANCE IS MADE .

COLLATERAL: EXISTING COLLATERAL SECURITY.

HOWEVER, FOR BORROWERS HAVING EXCELLENT TRACK RECORD, COLLATERALS CAN BE WAIVED. IN THAT CASE, GUARANTEE COVERAGE WOULD BE NECESSARY..

SECURITY:

20 % OF ANNUAL TURNOVER / LAST 20 % OF ANNUAL TURNOVER / LAST

12 MONTHS’ TURNOVER WHICHEVER 12 MONTHS’ TURNOVER WHICHEVER

IS HIGHER. IS HIGHER.

FOR PROF. & SELF – EMP..—50% OF FOR PROF. & SELF – EMP..—50% OF GROSS GROSS ANNUAL INCOME AS PER IT ANNUAL INCOME AS PER IT

RETURNRETURN..

FOR S.S.I. UNITS--- AS PER NAYAK FOR S.S.I. UNITS--- AS PER NAYAK COMMITTEE COMMITTEE RECOMMENDATIONSRECOMMENDATIONS

LUCC

LIMIT ASSESSMENT

OUR EXISTING OUR EXISTING REGULAR REGULAR SCHEMES OF SCHEMES OF FINANCE TO FINANCE TO UNITS UNDER UNITS UNDER S.S.I. AND S.B.F. S.S.I. AND S.B.F.

OUR EXISTING

SCHEMES

FOR SSI & SBF


OUR BANK PROVIDES TERM LOAN FOR ACQUISITION OUR BANK PROVIDES TERM LOAN FOR ACQUISITION OF FIXED ASSETS WHICH INCLUDE FACTORY LAND, OF FIXED ASSETS WHICH INCLUDE FACTORY LAND, BUILDING, PLANT & MACHINERY . WE GRANT BUILDING, PLANT & MACHINERY . WE GRANT WORKING CAPITAL FOR HOLDING OF CURRENT WORKING CAPITAL FOR HOLDING OF CURRENT ASSETS WHICH INCLUDE STOCKS , RECEIVABLES. IN ASSETS WHICH INCLUDE STOCKS , RECEIVABLES. IN SPECIAL CASES FOREIGN CURRENCY LOANS ARE SPECIAL CASES FOREIGN CURRENCY LOANS ARE ALSO CONSIDERED. ALSO CONSIDERED.

THE DIVERSE NEEDS OF OUR CUSTOMERS ARE MET THE DIVERSE NEEDS OF OUR CUSTOMERS ARE MET WITH BY OUR VARIOUS BRANCHES HAVING WITH BY OUR VARIOUS BRANCHES HAVING EXPERTISE AND SKILLED OPERATING STAFF. WE EXPERTISE AND SKILLED OPERATING STAFF. WE HAVE SPECIALISED S.S.I. BRANCHES IN FIVE CITIES. HAVE SPECIALISED S.S.I. BRANCHES IN FIVE CITIES. BRANCHES ARE VESTED WITH VAST POWERS TO BRANCHES ARE VESTED WITH VAST POWERS TO CATER TO THE NEEDS OF OUR CUSTOMERS.CATER TO THE NEEDS OF OUR CUSTOMERS.

MET BY OUR VARIOUS BRANCHESMET BY OUR VARIOUS BRANCHES. . EXPERTISED AND SKILLED EXPERTISED AND SKILLED

OPERATING STAFF OPERATING STAFF..

SPECIALISED S.M.E. BRANCHES TO CATER SPECIALISED S.M.E. BRANCHES TO CATER TO THE SPECIFIC NEEDS OF S.S.I. & MEDIUM TO THE SPECIFIC NEEDS OF S.S.I. & MEDIUM ENTERPRISES. ENTERPRISES.

VAST POWERS TO CATER TO THE NEEDS VAST POWERS TO CATER TO THE NEEDS OF OUR CUSTOMERS. OF OUR CUSTOMERS.

CUSTOMER

DIVERSE NEEDS

WE ASSESS THE NEED BASED CREDIT WE ASSESS THE NEED BASED CREDIT REQUIREMENTS OF THE UNITS ON REQUIREMENTS OF THE UNITS ON TURNOVER METHOD OR AS PER TURNOVER METHOD OR AS PER PROJECTED BALANCE SHEET METHOD. PROJECTED BALANCE SHEET METHOD.

FOR S.S.I. UNITS, THERE IS NO CEILING ON FOR S.S.I. UNITS, THERE IS NO CEILING ON LIMIT. LIMIT.

FOR S.B.F. UNITS THERE ARE CERTAIN CAP FOR S.B.F. UNITS THERE ARE CERTAIN CAP ON LIMITS FIXED AS PER RBI GUIDELINES.ON LIMITS FIXED AS PER RBI GUIDELINES.

WE PRESCRIBE MARGIN AT 20 % TO 50 % WE PRESCRIBE MARGIN AT 20 % TO 50 % FOR DIFFERENT TYPES OF SECURITIES. FOR DIFFERENT TYPES OF SECURITIES.

OUR SCHEMES FOR S.S.I. & SBFOUR SCHEMES FOR S.S.I. & SBF

AT PRESENT OUR BANK’S B.P.L.R. IS 11.5 % p.a. ALL OUR INTEREST RATES IN S.S.I. & S.B.F. SEGMENTS ARE IN THE PRICE BAND OF 2% p.a. BELOW & ABOBE THE B.P.L.R. WE CONSIDER LOANS AT EVEN BELOW THIS RATE TO CERTAIN CATEGORY OF BORROWERS.

OUR SCHEMES FOR S.S.I.

FOR S.S.I. UNITS, RATE OF INTEREST FOR LOANS ABOVE Rs. 25.00 LACS IS BASED ON CREDIT RATING.

THE CREDIT RATING IS BASED UPON CERTAIN PARAMETERS WHICH ARE RELATED TO BALANCE SHEET ITEMS SUCH AS CURRENT RATIO, DEBT: EQUITY RATIO, PROFITABILITY OF THE UNIT,


INVENTORY HOLDING, ETC. CERTAIN MARKS HAVE BEEN PRESCRIBED FOR EACH PARAMETER. THE TOTAL MARK OF THE UNIT WILL DENOTE THE UNIT’S RATING AS PER BANK’S CREDIT RAING POLICY. ON THE BASIS OF THE CREDIT RATING THE RATE OF INTEREST WILL BE STIPULATED.


A STANDBY LINE OF CREDIT AT 15% OF THE REGULAR LIMIT AVAILABLE TO S.S.I. UNITS WHICH IS SANCTIONED ALONG WITH REGULAR SANCTION TO MEET WITH EMERGENT REQUIREMENTS.

STATE BANK OF SAURASHTRASTATE BANK OF SAURASHTRA

OUR SCHEMES FOR SMALL BUSINESS OUR SCHEMES FOR SMALL BUSINESS FINANCEFINANCE

• SMALL BUSINESSSMALL BUSINESS : SMALL BUSINESS WOULD : SMALL BUSINESS WOULD INCLUDE INDIVIDUALS & FIRMS MANAGING A INCLUDE INDIVIDUALS & FIRMS MANAGING A BUSINESS BUSINESS ENTERPRISE ESTABLISHED ENTERPRISE ESTABLISHED MAINLY FORMAINLY FOR THE PURPOSE OF PROVIDINGTHE PURPOSE OF PROVIDING ANY SERVICEANY SERVICE OTHER THAN PROFESSIONAL OTHER THAN PROFESSIONAL SERVICE WHOSE ORIGINAL COST PRICE OF SERVICE WHOSE ORIGINAL COST PRICE OF THE EQUIPMENT USED FOR THE PURPOSE OF THE EQUIPMENT USED FOR THE PURPOSE OF BUSINESS DOES NOT EXCEED Rs.20 LACS. BUSINESS DOES NOT EXCEED Rs.20 LACS.

•

PROFESSIONAL & SELF EMPLOYED PERSONSPROFESSIONAL & SELF EMPLOYED PERSONS PURPOSE OF LOANSPURPOSE OF LOANS : FOR : FOR

PURCHASE OF EQUIPMENT , PURCHASE OF EQUIPMENT , REPAIRING OR RENOVATION OF REPAIRING OR RENOVATION OF EXISTING EQUIPMENT AND / OR EXISTING EQUIPMENT AND / OR ACQUIRING AND REPAIRING ACQUIRING AND REPAIRING BUSINESS PREMISES OR FOR BUSINESS PREMISES OR FOR PURCHASING TOOLS AND/ OR PURCHASING TOOLS AND/ OR FOR WORKING CAPITAL FOR WORKING CAPITAL REQUIREMENT REQUIREMENT

TO TO MEDICAL PRACTIONERS MEDICAL PRACTIONERS

INCLUDING DENTISTS, CHARTERED INCLUDING DENTISTS, CHARTERED ACCOUNTANTS , COST ACCOUNTANTS , COST ACCOUNTANTS, PRACTISING ACCOUNTANTS, PRACTISING COMPANY SECRETARY, LAWYERS COMPANY SECRETARY, LAWYERS OR SOLICITORS, ENGINEERS, OR SOLICITORS, ENGINEERS, ARCHITECTS, SURVEYORS, ARCHITECTS, SURVEYORS, CONSTRUCTION CONTRACTORS CONSTRUCTION CONTRACTORS OR MANAGEMENT CONSULTANTSOR MANAGEMENT CONSULTANTS

PROFESSIONAL & SELF EMPLOYED PERSONSPROFESSIONAL & SELF EMPLOYED PERSONS

OR TO A PERSON TRAINED IN OR TO A PERSON TRAINED IN ANY OTHER ART OR CRAFT ANY OTHER ART OR CRAFT WHO HOLDS EITHER A DEGREE WHO HOLDS EITHER A DEGREE OR DIPLOMA FROM ANY OR DIPLOMA FROM ANY INSTITUTION ESTABLISHED, INSTITUTION ESTABLISHED, AIDED, OR RECOGNISED BY AIDED, OR RECOGNISED BY GOVERNMENT OR TO A GOVERNMENT OR TO A PERSON WHO IS CONSIDERED PERSON WHO IS CONSIDERED BY THE BANK AS BY THE BANK AS TECHNICALLY QUALIFIED OR TECHNICALLY QUALIFIED OR SKILLED IN THE FIELD IN SKILLED IN THE FIELD IN WHICH HE IS EMPLOYED.WHICH HE IS EMPLOYED.

PROFESSIONALS & SELF EMPLOYED PERSONS

ACCREDITED JOURNALISTS AND CAMERAMEN WHO ARE FREELANCERS FOR PURCHASE OF EQUIPMENT FOR THEIR PROFESSION. THERE ARE OTHER PROFESSIONALS ALSO COVERED UNDER THIS SCHEME. LOANS FOR PURCHASE OF COMPUTERS ALSO COVERED UNDER THIS SCHEME. LOAN FOR MOTOR VEHICLE ALSO CONSIDERED UNDER THE SCHEME.

LIMIT : (I) NOT EXCEEDING Rs. 10.00 LACS OF WHICH Rs. 2.00 LACS FOR W.C.

(II) FOR MEDICAL PRACTITIONERS SETTING UP PRACTICE IN SEMI- URBAN AND RURAL AREAS THE LIMIT WILL BE Rs.15.00 LACS OF WHICH Rs. 3.00LACS FOR WORKING CAPITAL.

S.B.S. SMALL BUSINESS FINANCES.B.S. SMALL BUSINESS FINANCE

• RETAIL TRADERETAIL TRADE : RETAIL TRADERS DEALING : RETAIL TRADERS DEALING IN ESSENTIAL COMMODITIES & CONSUMER IN ESSENTIAL COMMODITIES & CONSUMER CO-OPERATIVE STORES & PRIVATE RETAIL CO-OPERATIVE STORES & PRIVATE RETAIL TRADERS WITH CREDIT LIMIT NOT EXCEEDING TRADERS WITH CREDIT LIMIT NOT EXCEEDING Rs.10.00 LACS Rs.10.00 LACS

SMALL ROAD & WATER TRANSPORT SMALL ROAD & WATER TRANSPORT OPERATORS : OPERATORS : ADVANCES TO SMALL ROAD ADVANCES TO SMALL ROAD & AND WATER TRANSPORT OPERATORS & AND WATER TRANSPORT OPERATORS OWNING OF A FLEET OF VEHICLES NOT OWNING OF A FLEET OF VEHICLES NOT EXCEEDING TEN VEHICLES, INCLUDING THE EXCEEDING TEN VEHICLES, INCLUDING THE ONE TO BE FINANCED. ONE TO BE FINANCED.

S.B.S. SMALL BUSINESS FINANCES.B.S. SMALL BUSINESS FINANCE

WE PRESCRIBE A NOMINAL MARGIN WE PRESCRIBE A NOMINAL MARGIN OF 20% FOR LOANS ABOVE Rs. 25,000/- OF 20% FOR LOANS ABOVE Rs. 25,000/- to Rs.50,000/- AND 25 % FOR LOANS to Rs.50,000/- AND 25 % FOR LOANS

ABOVE Rs. 50000/-. ABOVE Rs. 50000/-.

* IN COLLATERAL , FOR LIMIT ABOVE * IN COLLATERAL , FOR LIMIT ABOVE Rs.25000/- , MORTGAGE OF IMMOVABLE Rs.25000/- , MORTGAGE OF IMMOVABLE AT THE BANK’S DISCRETION OR THIRD AT THE BANK’S DISCRETION OR THIRD PARTY GUARANTEE.PARTY GUARANTEE.

State Bank of SaurashtraState Bank of Saurashtra FINANCE TO SMALL SCALE FINANCE TO SMALL SCALE

INDUSTRIESINDUSTRIES

• Loans up to Rs.5.00 lacs to SSI Loans up to Rs.5.00 lacs to SSI units without collateral security units without collateral security and loans from Rs.5.00 lacs to Rs. and loans from Rs.5.00 lacs to Rs. 25.00 lacs to SSI units can be 25.00 lacs to SSI units can be considered collateral free to units considered collateral free to units having good track record and having good track record and financials.financials.

• For guarantee coverage of such For guarantee coverage of such collateral free loans up to Rs. collateral free loans up to Rs. 25.00 lacs, our bank has become 25.00 lacs, our bank has become member of Credit Guarantee member of Credit Guarantee Fund Trust For Small Industries Fund Trust For Small Industries (CGTSI) set up by Govt. Of India (CGTSI) set up by Govt. Of India and SIDBI . The coverage would and SIDBI . The coverage would be available for collateral free be available for collateral free loans including third party loans including third party guarantee. guarantee.

S.B.S. FINANCE TO S.B.S. FINANCE TO S.S.I.S.S.I.

•CGTSI:CGTSI: • GUARANTEE SCHEME FOR GUARANTEE SCHEME FOR

INDUSTRIAL UNITS INCLUDING INDUSTRIAL UNITS INCLUDING THOSE ENGAGED IN IT/ SOFTWARE THOSE ENGAGED IN IT/ SOFTWARE INDUSTRY. SSSBE (IR) ALSO ELIGIBLE INDUSTRY. SSSBE (IR) ALSO ELIGIBLE FOR COVERAGE.FOR COVERAGE.

• THE GUARANTEE COVERAGE WOULD THE GUARANTEE COVERAGE WOULD BE AVAILABLE @ 75 % OF THE BE AVAILABLE @ 75 % OF THE AMOUNT IN DEFAULT MAXIMUM Rs. AMOUNT IN DEFAULT MAXIMUM Rs. 18.75 LACS.18.75 LACS.

CGTSI:

AN UP FRONT GUARANTEE FEE @ 1.5% / 2.5% WOULD BE PAYABLE TO THE TRUST AS ONE TIME FEE ON SANCTIONED AMOUNT.

AN ANNUAL SERVICE FEE @ 0.75% OF THE AMOUNT OF LOAN SANCTIONED AS AT 31st MARCH EVERY YEAR WOULD BE PAYABLE TO THE TRUST.

NEW OR EXISTING UNITS ELIGIBLE FOR COVERAGE. COVERAGE WOULD BE AVAILABLE TO NEW LOANS OR RENEWED WORKING CAPITAL LIMITS.

OPERATIONALISED IN SBS w.e.f. 01.11.04

S.B.S. (SCHEMES OF SIDBI FOR S.S.I.)S.B.S. (SCHEMES OF SIDBI FOR S.S.I.)

CREDIT LINKED CAPITAL SUBSIDY CREDIT LINKED CAPITAL SUBSIDY SCHEMESCHEME FOR TECHNOLOGYFOR TECHNOLOGY UPDRADATION UPDRADATION OF THE SMALL SCALE OF THE SMALL SCALE INDUSTRIES.INDUSTRIES.

SUBSIDY LINKED WITH INVESTMENT SUBSIDY LINKED WITH INVESTMENT IN PLANT & MACHINERY AND LOAN IN PLANT & MACHINERY AND LOAN AMOUNT WITH CERTAIN TERMS & AMOUNT WITH CERTAIN TERMS & CONDITIONS.CONDITIONS.

S.B.S. (SCHEMES OF SIDBI FOR S.B.S. (SCHEMES OF SIDBI FOR S.S.I.)S.S.I.)

CREDIT LINKED CAPITAL SUBSIDY SCHEMECREDIT LINKED CAPITAL SUBSIDY SCHEME

THE UNITS / PRODUCTS COVERED UNDER THE UNITS / PRODUCTS COVERED UNDER THIS SCHEME ARE : BIO-TECH, COMMON THIS SCHEME ARE : BIO-TECH, COMMON ELLUENT TREATMENT PLANT, CORRUGATED ELLUENT TREATMENT PLANT, CORRUGATED BOXES , DRUGS & PHARMACEUTICALS, DYES BOXES , DRUGS & PHARMACEUTICALS, DYES & INTERMDIATES, PLASTIC MOULDED, GOLD & INTERMDIATES, PLASTIC MOULDED, GOLD PLATING & JEWELLERY, AUTO PARTS & PLATING & JEWELLERY, AUTO PARTS & COMPONENTS, FOUNDRIES, FOOD COMPONENTS, FOUNDRIES, FOOD PROCESSING & OTHER SPECIFIED PROCESSING & OTHER SPECIFIED PRODUCTS.PRODUCTS.

SCHEME OF KHADI & VILLAGE INDUSTRIES COMMISSION / BOARD

WE ARE EXTENDING CREDIT FACILITIES UNDER THE SCHEME OF KVIC MARGIN MONEY ON MERIT OF THE CASE.

KVIC PROVIDES SUBSIDY IN THE FORM OF MARGIN MONEY MAXIMUM Rs.4.00 LACS FOR A MAXIMUM LOAN AMOUNT Rs.25.00 LACS. ( @10% FOR FIRST Rs. 10.00 LACS AND THEREAFTER @ 10% ON REMAINING AMOUNT).

THE SCHEME IS APPLICABLE ONLY TO NEW INDUSTRIAL UNITS BEING SET UP IN SPECIFIED AREAS.

OUR OTHER SCHEMES FOR SMALL & MEDIUM ENTERPRISES & SMALL BUSINESS FINANCES

A HEART THROBBING SCHEME FOR DOCTORS – DOCTOR PLUS

BASED UPON SCORINGSYSTEM

EASY PROCESSING

VERY LOW & ATTRACTIVE INTEREST RATES

FINANCE UNDER SBF SEGMENT

TAKE OVER FROMOTHER BANKS

LOAN SCHEME FOR BUSINESS PREMISES

A SCHEME FOR CERTAIN SSI & SBF BENEFICIARIES FOR PURCHASE OF SHOP— NEW / OLD / ESTABLISHMENT / REPAIRS / RENOVATION / MODERNISATION & FOR FURNITURE & FIXTURES ETC.

MORTGAGE LOANMORTGAGE LOAN

••A SCHEME FOR RETAIL TRADERS , WHOLESALE A SCHEME FOR RETAIL TRADERS , WHOLESALE TRADERS / PROFESSIONALS & SELF EMPLOYED TRADERS / PROFESSIONALS & SELF EMPLOYED PERSONS & SMALL BUSINESS ENTERPRISES. PERSONS & SMALL BUSINESS ENTERPRISES. ••LIMIT ALLOWED AS CASH CREDIT / TERM LOAN. MAXIMUM LOAN AMOUNT Rs.300.00 LACS.

•• PRIMARY SECURITY STOCK / RECEIVABLES & FIXED ASSETS, HOWEVER, STOCK STATAEMENT DISPENSED WITH. IT IS TO BE SUBMITTED ONLY ONCE IN A YEAR

•• CREDIT FACILITIES WILL BE AGAINST MORTGAGE OF PROPERTY OF ADEQUATE VALUE.

FOR TRADERS & SERVICES SECTOR

SBS PARYATAN PLUS

A SCHEME FOR FINANCING

TOURISM ACTIVITIES. HOSPITALITY INDUSRY

TRANSPORTATION

ADVENTURE / OTHER TOUR OPERATIONS

RELIGION TOURISM

OUR SCHEME FOR SMALL DIAMOND PROCESSING UNITS

A SCHEME FOR FINANCING OVERHEADS AND MACHINERY/EQUIPMENTS TO SMALL DIAMOND

PROCESSING UNITS HAS BEEN LAUNCHED BYOUR BANK . Salient features:

1. FACILITY BY WAY OF CLEAN CONTINGENT OVERDRAFT MAXIMUM Rs.15.00 LACS. ( AT 50% OF AVERAGE MONTHLY OVERHEADS)

2. MEDIUM TERM LOAN : NEED BASED FOR PURCHASE OF MACHINERY / EQUIPMENTS /COMPUTERS ETC. ON NEED BASED BASIS.

3. RATE OF INTEREST: AT BANK’S BPLR AT PRESENT 11.50% P.A.

4. SECURITY ; PRIMARY : NIL

COLLATERAL : MINIMUM 150% FOR ONLY CLEAN O.D. 100% FOR TERM LOAN

100% FOR CLEAN O.D. + TERM LOAN HASSLE FREE PROCESSING. EASY

MONITORING. CUSTOMER FRIENDLY SCHEME

• FINANCE FOR NEW AND USED CARS TO S.S.I. AND MEDIUM ENTERPRISE

UNITS

• FINANCE AT LOWE INTEREST RATES

• NO LINKAGE WITH THE REGULAR LIMITS

• SIMPLE PROCEDURE

CAR LOAN TO S.M.E. UNITS

m gbs. small & medium enterprises tiny units investment in plant & machinery maximum rs....

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