Prime

Vario

After Pr

Industry

for bank

for fulfi

Today t

Foreign

who are

and Med

Funding

are liste

F

er on D

ous Deb

rivatisation

y and prese

ks and for c

lling fundin

here are d

Banks, Co

e funding to

dium Enterp

options of

ed below.

Fund Base

1. Work

2. Term

3. Facto

4. Speci

selec

5. Expor

Debt Fun

t Fundi

n of Nation

ence of For

consumer it

ng requirem

different ty

-operative

o different

prise, Cotta

fered by di

ing Capital

Loan

oring

al Funding

ted Banks)

rters Loan.

nding

ing Opt

nalised Ban

reign Banks

t has given

ments.

ypes of ban

Banks, Sch

t categories

age Industr

ifferent typ

& Overdra

g Options

tions Pr

nks, emerg

s in India,

a competit

nks such as

hedule Ban

s and secto

ry, Agricult

pes of Bank

aft.

for Smal

          

rovided

gence of p

has increa

tive option

s Nationalis

nks, Nonban

ors such as

ural sector

ks to differe

ll Medium

               

d By Ban

private sec

ased the ar

s to choose

sed Banks,

nking finan

s Corporate

r, Individua

ent categor

Enterpris

nks

ctor in Ban

reas of Fun

e a right ba

Private Ba

nce Compa

es, Micro, S

ls.

ries and sec

e (With s

nking

nding

anker

anks,

nies,

Small

ctors

some

 

N

Brief d

1. Wo

These a

like the

expense

chains,

against

of main

subjecte

other st

6. Agric

7. Proje

8. Busin

Non Fund B

1. Bank

2. Lette

3. Colle

descript

orking Ca

re the mos

e purchase

es, financin

funding p

collaterals

ntenance o

ed to perio

atements a

ulture loan

ect Finance

ess Loans.

Base

Guarantee

ers of Credi

ction of Bil

tion of F

apital & O

st popular

e of raw m

ng invento

production

. Companie

of proper

odical mon

and also thr

n.

s

es.

ts

lls on behal

Fund Bas

Overdraft:

financing o

material, p

ories, mana

and mark

es who borr

accounts

nitoring th

rough analy

lf of Custom

se Optio

:-

option. It is

payment o

aging inte

keting oper

row from b

and regula

rough a re

ysis of cash

          

mers.

ons:

s meant to

of wages a

rnal cash-

rations. Mo

banks are s

ar repayme

eporting st

h flows rout

               

o meet the

and other

flows, sup

ost banks

ubjected to

ents of lo

tructure of

ted through

working n

administra

pporting su

provide t

o the discip

oans. They

f financial

h the banks

eeds

ative

upply

these

pline

are

and

s.

 

2. Te

Term loa

which m

may var

asset-ba

instituti

of cash-

to study

3. Fa

A financ

to a thi

financin

Factorin

business

In facto

generate

invoice

percent

forward

In India

erm Loan:

ans are ma

may vary fr

ry dependi

acked or c

ons seek a

flow backe

y its cash-fl

ctoring

cing metho

rd-party fu

ng, factorin

ng is very c

s cycle.

oring, the

es an invoi

by agreeing

. The facto

s the rema

some sele

:-

ainly funded

rom three t

ing upon t

ash-flow b

ssets of th

ed loans, ba

ow capabil

d in which

unding sour

ng is the c

ommon in

client (yo

ce. The fac

g to pay yo

or pays 75 p

inder (less

ected banks

d for Capex

to ten year

he risk pro

backed. In

e company

anks carefu

lity.

a business

rce to rais

cash-manag

certain ind

u) makes

ctor (the fu

ou the invoi

percent to

the discou

s or their N

x (Procure a

rs. The am

ofile of th

the case o

y as collate

ully scrutini

s owner sel

e capital O

gement to

dustries, wh

a sale, de

unding sour

ice's face v

80 percen

nt) when y

NBFCs offe

          

assets). Th

mount, the

he company

of asset-ba

erals while

ize the bal

lls accounts

One of the

ool of choi

here long re

elivers the

rce) buys th

value less a

t of the fac

your custom

er these pro

               

ese loans a

tenure and

y. Term lo

acked term

issuing loa

ance sheet

s receivabl

oldest for

ice for ma

eceivables

e product

he right to

a discount--

ce value im

mer pays

oducts the

are term ba

d interest r

oans are ei

m loans, le

ans. In the

ts of a com

e at a disc

rms of busi

any compa

are part of

or service

collect on

-typically 2

mmediately

ese days.

ased,

rates

ither

ender

case

pany

count

iness

nies.

f the

and

that

to 6

y and

 

4. Sp

After in

Commiss

up with

Medium

1) ATo mee

includin

Nursing

diagnost

office

requirem

All enti

Partners

medical

150/- cr

Note:-T

science

experie

2) V

To mee

construc

ecial Fun

ncorporatio

sioner of M

some spec

Enterprise

Arogyadha

et the fina

g Patholog

Home/ H

tic equipm

furniture,

ments.

ities, i.e.

ship firms,

/pathologic

rores.

The Promot

from a re

ence

Vidyastali

et the fina

ction of bu

nding Opt

on of MSM

Micro, Smal

cial fundin

e .The brief

m Loan :-

ncial requi

gical Labor

Hospital inc

ents as al

Purchase

MSMEs, E

, Private

cal diagnos

ters should

ecognized

Loan:-

ncial requi

uilding, pu

tions for S

MED Act

ll & Medium

g options w

f descriptio

irements f

ratory, Exp

cluding Pa

so office e

of ambu

Enterprises

Limited C

stic service

d have req

University

irements f

urchase of

Small Med

2006 whic

m Enterpris

which suits

on of the pr

for setting

pansion/re

athological

equipments

ulance etc

other tha

Companies

es to the S

quisite qua

y and shou

for setting

equipment

          

dium Ente

ch is mon

se some s

s for the p

roducts are

up of new

novation/m

Laborator

s, viz. com

c and to

an individ

and Trust

Society and

lification i

ld have m

up the in

t etc. for

               

erprise (S

nitored by

elected ba

purpose of

e as below.

w Nursing

modernizati

ry, Purcha

mputers, ai

meet w

uals like

ts engaged

d with tur

in any bran

minimum 2

stitutions

the new

SME)

y Developm

anks have c

Micro, Sma

Home/Hos

ion of exi

ase of med

ir condition

working ca

Proprietors

d in provi

rnover upto

nch of med

years of w

which incl

set up as

ment

come

all &

spital

sting

dical

ners,

apital

ship,

iding

o Rs.

dical

work

ludes

also

 

renovati

training

Educatio

educatio

3) T

In

Loans un

as per g

nodal ag

by the b

To prov

gradatio

interest

charged

technolo

guidelin

Linked C

interest

technica

etc. The

equipme

handloo

ion of the

to the stud

onal instit

on activitie

Technology

ndustries:

nder Techn

guidelines

gency for d

bank under

vide encour

on and to

reimburse

by the ba

ogy up-gra

es of the s

Capital Sub

reimburse

al textiles m

e scheme a

ents for th

ms and tes

existing fa

dents.

tutions, Sc

es

y Upgrada

-

nology Up-g

received f

etermining

the schem

ragement t

modernize

ement (4 p

nk on the

adation/mo

scheme wo

bsidy for Sm

ement plus

machinery,

also provide

e pre-loom

sting and qu

cilities, pu

chools, Co

ation Fun

gradation F

from time

g eligibility

e.

to textile

e their pro

percentage

loans avail

dernization

uld also be

mall Scale

10% capita

, garmentin

es 25% capi

m and post-

uality contr

urchase of i

lleges and

nd Scheme

Fund Schem

to time fr

and releas

industrial

duction fa

for spinni

ed by the

n. New un

e eligible fo

Sector and

al subsidy

ng machine

ital subsidy

-loom oper

rol equipme

          

instrument

d other ed

e (TUFS)

me launche

rom Ministr

sing of subs

units for t

cilities. T

ng industry

units from

nits set up

or the abov

d 20% for P

for specifi

ery and for

y on purcha

rations, ha

ents for ha

               

ts for impa

ducation b

For Text

d by Gover

ry of Texti

sidy for the

taking up

The scheme

y) of the n

the bank f

p with tech

ve benefit,

Power-loom

ed process

CAD, CAM,

ase of new

ndlooms/u

ndloom pro

rting educa

bodies run

tile And J

rnment of

iles. Banks

cases fina

technology

e envisage

normal inte

for underta

hnology as

or, 15% C

m Sector, or

sing machin

, Design Stu

machinery

p-gradation

oduction un

ation

nning

Jute

India

s are

nced

y up-

es 5%

erest

aking

s per

redit

r, 5%

nery,

udio,

y and

ns of

nits

 

4) C

Credit L

Technol

Banks ar

To faci

products

inductio

products

manufac

auto pa

measuri

tyres; h

(includin

5) CGranted

Enterpri

units an

sector) E

6) CF

To prov

defined

All Micr

Sector -

Credit Link

Linked Capi

ogy Upgrad

re the Noda

ilitate Tec

s/sub-secto

on of prove

s including

cturing); In

arts and co

ng; glass a

and tools;

ng Marble M

Composite

d for Fixed

ises (Manuf

nd Micro E

Enterprise

Collateral

Fund Trust

ide collate

under MSM

o and Sma

as defined

ked Capita

ital Subsidy

dation of T

al Agencies

chnology U

ors as notif

n technolog

g footwear

nformation

omponents;

and ceram

bicycle pa

Mining Indu

Loans

capital in

facturing S

Enterprises

engaged in

Free Loa

t For Micr

eral free lo

MED Act, 20

all Enterpri

d under MSM

al Subsidy

y Scheme l

Tiny and SS

s appointed

Upgradation

fied by Gov

gies approv

r and garm

and Techn

; electronic

ic items in

arts; found

ustry).

nvestment

Sector) inc

in Small

n industrial

ns Under

o And Sma

ans upto R

006.

ses - both

MED Act, 20

y Scheme (

launched b

SI units in t

d by Govern

n of Tiny

vt. of India

ved under t

ments; foo

nology (Har

c industry

ncluding ti

ries ferrou

and / or w

luding arti

Enterprises

activity

Guarante

all Enterp

Rs. 100/- la

in Manufa

006.

          

(CLCSS) Fo

by Governm

the specifie

nment of In

y and SSI

by providi

the scheme

od process

rdware); dr

particular

les, dyes a

us and cast

working ca

sans, villag

s Sector, a

ee Scheme

prises

acs to Micr

cturing Sec

               

or SSI Unit

ment of Ind

ed product

ndia.

units in

ng 15% cap

e, viz. leath

sing (includ

rugs and ph

ly relating

and interm

t iron; and

apital requ

ge and cot

and micro

e Of Cred

ro & Small

ctor as we

ts

dia to facili

ts/ sub-sec

the spec

pital subsidy

her and lea

ding ice-cr

harmaceuti

to design

mediaries, t

stone indu

irement. S

ttage indus

/small (ser

dit Guaran

Enterprise

ll as in Ser

itate

tors.

cified

y for

ather

ream

cals;

and

toys;

ustry

Small

strial

rvice

ntee

s, as

rvice

 

7) S

To mee

requirem

Micro, S

with an

Criteria

should b

and pro

dealings

8) S

To augm

ratio an

availabl

instituti

Micro, S

with ann

:-Satisfa

be avail

Liability

perform

not be

dealings

ME Short

t temporar

ments only.

Small & Me

nual sales

a: Satisfacto

be availabl

ofits. Nega

s with the B

ME Mediu

ment enter

nd also for

e for rep

ons, but no

Small & Me

nual sales t

actory cred

lable. Tota

y and equ

mance in ter

more tha

s with the B

Term Loa

ry shortfall

.

dium Enter

turnover

ory credit

le. Satisfac

tive varian

Bank for at

m Term L

prise’s wor

meeting g

payment o

ot for any p

dium Enter

turnover of

dit rating fo

l Debt-equ

uity ratio

rms of Sale

n 10%.Ave

Bank for at

ans

l / mismat

rprises as p

of Rs. 1/-

rating for t

ctory financ

nce, if any

least three

Loans

rking capit

genuine bu

of secured

purpose, wh

rprises as p

f Rs. 1/- cr

or the last

ity ratio sh

should no

es/turnover

rage DSCR

least Thre

tch in liqui

per Regulat

- crore to

the last th

cial perfor

y, should n

e years.

al gap and

usiness requ

and unse

hich is not

per Regulat

rore to Rs.

three yea

hould not b

ot be mo

r and profit

R should n

e Years

          

idity, for m

tory definit

Rs. 150/-

ree years L

mance in t

not be mo

to help in

uirements.

ecured Lo

related to

tory definit

150/- cror

ars Latest B

be higher t

ore than 3

ts. Negativ

ot be less

               

meeting ge

tion and al

crores. O

Latest Bala

terms of sa

ore than 1

n improvem

The facili

oans of ot

the enterp

tion and al

res. Other E

Balance She

than 4.5:1

3:1.Satisfac

ve variance

s than 1.7

enuine busi

l other ent

ther Eligib

ance Sheet

ales / turn

0%.Satisfac

ment of cur

ity will als

ther banks

prises activi

l other ent

Eligible Cri

eet etc. sh

and total T

ctory fina

, if any, sh

75:1Satisfac

iness

tities

bility

etc.

nover

ctory

rrent

o be

s or

ity.

tities

teria

hould

Term

ncial

hould

ctory

 

9) S

To prov

requirem

paymen

SME Gol

bank fin

Regulato

crore to

Capital

Standard

working

arrangem

10)

Financin

enhance

SME uni

Bank of

11)

To pro

requirem

ME Gold C

vide hassle

ments and

t by buyers

ld Card env

nance for

ory definiti

o Rs. 150/

limits to m

d Category

capital li

ment with

Sche

ng SMEs fo

ement of en

ts financed

Baroda.

Over

vide hass

ments/augm

Card

free on th

tie up te

s, tax paym

visages pro

Working C

ion and all

/- crores,

meet emerg

y for last 2

mits of Rs

our bank/p

eme for Fi

or acquisiti

nergy effici

d by bank

rdraft Aga

le free c

ment long t

he spot ass

emporary m

ment, execu

ovision of a

Capital to

l other ent

on request

gent requir

2 years, wit

s. 25/- Lak

proposed to

nancing E

on of equ

iency/cons

as also oth

inst Land

credit to

term margi

sistance to

mismatch

ution of bul

additional l

Micro, Sm

terprises w

t along wi

rements. O

th credit r

khs and ab

o be finance

Energy Effi

ipments, s

ervation of

her units d

and Build

SME borr

n requirem

          

o take care

in liquidity

lk orders, e

limit of 10%

mall & Me

ith annual

ith regular

Other Eligib

rating of -4

bove. Acco

ed under So

iciency Pr

services an

f energy.

desirous of

ding

rowers to

ments.

               

e of borrow

y arising o

etc.

% of the as

edium Ente

sales turn

r applicatio

ble Criteria

4 and abov

unts havin

ole Banking

rojects

nd adopting

shifting th

meet w

wers’ emer

out of del

ssessed elig

erprises as

over of Rs

on for Wor

a:- Accoun

ve and enjo

g sole ban

g arrangem

g measures

heir accoun

working ca

rgent

ayed

gible

per

. 1/-

rking

ts in

oying

nking

ment.

s for

nt to

apital

 

All Ente

2006, an

exclusiv

arrangem

12)

To provi

also lon

cash flo

spurt in

All Ente

2006, an

exclusiv

arrangem

13) K

To finan

Instituti

Village I

erprises, i.e

nd other en

vely bankin

ment with

SME

ide hassle

g term req

ow project

the busine

erprises, i.e

nd other en

vely bankin

ment with

Loan

Khadi & Vi

nce institut

onal financ

ndustries B

e. Micro, Sm

ntities with

ng with ou

our bank.

Loan Pack

free credit

quirements,

ions, peak

ess.

e. Micro, Sm

ntities with

ng with ou

our bank.

ns Under

llage Indu

tional finan

cing agenci

Boards, Reg

mall & Med

annual sal

r bank/new

k

t for workin

, taking int

k time requ

mall & Med

annual sal

r bank/new

Interest S

ustries Com

ncing agen

es – Khadi

gistered Ins

dium Enterp

les turnove

w borrowe

ng capital

to account

uirements

dium Enterp

les turnove

w borrowe

Subsidy E

mmission

cies for le

& Village In

stitutions, C

          

prises, as d

er of Rs. 1/-

ers desirou

(fund base

nature of

and any e

prises, as d

er of Rs. 1/-

ers desirou

Eligibility

(KVIC-ISEC

nding to K

ndustries C

Co-operativ

               

defined und

- crore to R

s of havin

ed and non-

business, c

eventuality

defined und

- crore to R

s of havin

Certificat

C)

hadi & Vill

Commission

ve Societies

der MSMED

Rs. 150/- cr

g sole ban

-fund based

cyclical tre

of unfore

der MSMED

Rs. 150/- cr

g sole ban

te Scheme

lage Indust

, State Kha

s

Act,

rores

nking

d) as

ends,

eseen

Act,

rores

nking

e of

tries,

adi &

 

14)

a

b

S

Dealer/D

would b

weighta

shall tak

15)

For acqu

Saving o

loan. Un

issued b

etc. or m

16)

To meet

Small e

rehabilit

tiny and

include

satisfyin

STAR

. Drawee B

. Drawee B

ponsoring

Distributor

be extende

ge shall be

ke a decisio

Ener

uiring/adop

on energy c

nits should

by energy c

must have c

Natio

t gap in pre

ntrepreneu

tation of p

d small sca

all industr

ng the inv

R CHANNE

Bill Finance

Bill Finance

Corporate

of goods r

d based on

e given to

on based on

rgy Efficie

pting Energ

costs should

possess en

consultant/

carried out

onal Equit

escribed mi

urs for set

otentially v

ale industri

rial units a

vestment

L CREDIT

for Supplie

e or Overdra

e can be

rated ‘AA’

n the refer

the recom

n merits in

ncy Proje

gy Saving Eq

d be at lea

nergy audit

auditor acc

t similar ass

ty Fund

inimum pro

ting up ne

viable sick

ial units an

nd service

ceiling pr

ers

aft facility

e a Manu

and above

rral of the

mmendation

each case.

ects

quipment a

ast 150% of

t report (to

credited by

signment fo

omoters' co

ew project

SSI units i

nd service

industries

rescribed

          

for Deale

ufacturing

e. Facilities

e Sponsorin

n of the Sp

.

and Energy

cost of ser

o be obtain

y Bureau o

or other re

ntribution

ts in tiny /

rrespective

enterprise

(except R

for tiny

               

ers

Unit, or

s to Supplie

g Corporat

ponsoring C

Conservati

rvicing the

ned at thei

f Energy Ef

puted com

and/or in e

/ small sc

e of the loc

es [tiny ent

Road Transp

enterprises

a Whole

ers and Dea

te. Though

Corporate,

on Measure

proposed t

ir cost initi

fficiency, P

panies.

equity

ale sector

cation. Exi

terprises w

port Opera

s] underta

esale

alers

due

Bank

es.

term

ially)

PCRA

and

sting

would

tors)

aking

 

expansio

consider

17)

Akshay

Energy D

Urja Sho

Renewa

through

operatio

Private

opening

Nodal A

format.

MNRE/S

18)

For econ

fixtures

activitie

Women

than 51%

on, modern

red irrespe

Aksh

Urja Shops

Devices an

ops would

ble Energy

banks an

on.

Entreprene

AUSs. The

Agency (SN

Incentives

NA.

Priya

nomic activ

etc. for ca

es iii) Educa

entreprene

% of the fin

nization, t

ctive of the

hya Urja Sh

s are reta

d Systems

cover all

y (MNRE) w

nd monthly

eurs, Reput

e applican

A) and sub

s would be

adarshini Y

vities like i

apital inves

ation Loan

eurs, wome

nancial hold

technology

e location.

hops

ail outlets

including S

the distric

will provide

y recurring

ted NGOs a

t for open

bmit propo

e available

ojana

) Purchase

stment and

en enterpri

ding

up-gradati

which wou

Solar Energ

cts of the

e support t

g grant &

and Manufa

ning a shop

osal for Ak

e only afte

of equipm

d working c

ises where

          

ion and di

uld sell an

gy Products

country. T

to the shop

incentive

cturer’s As

p will cont

kshay Urja

er sanction

ment, machi

capital nee

women en

               

versificatio

nd service

s. The netw

The Minist

ps in term

e for first

ssociations

tact the co

Shops in

of Akshay

inery, vehi

ds ii) Agric

ntrepreneur

on can also

all Renew

work of Ak

ry of New

ms of soft l

two year

are eligible

oncerned S

the prescr

y Urja Sho

cle, furnitu

culture & A

rs hold not

o be

wable

kshay

and

loans

rs of

e for

State

ribed

p by

ure /

Allied

t less

 

19)

Any e

organiza

Solar W

size).

20)

a) Eligib

Manufac

without

would m

Scheme,

borrowe

extende

eligible

Banks to

with SID

compani

Group le

a

can be

one or

Rs.100 l

in such a

Solar

end user

ations/com

Water Heate

Aksh

ble borrow

cturing and

any colla

mean any

, the CGT

er by a Me

ed by a Ban

for Guaran

o a single b

DBI would

ies or othe

ending thro

) Both Term

covered. b

more out

lakhs) prov

account/s.

r Water He

r such

mercial org

ers with bo

hya Urja Sh

wer would

d Services)

teral secu

asset othe

TMSE enco

mber Lend

k for a unit

ntee Cover

borrower s

however b

er legally co

ough SHGs n

m Loan and

b) Where th

of the sam

vided collat

eaters

as Indi

ganizations

oth Flat P

hops

be new o

to which c

rity and/o

er than bu

ourages co

ding Institut

t already a

r under the

hall not be

be eligible

onstituted

not eligible

d Working

he borrowe

me can be

teral securi

ividuals,

s (hotels, h

late or Ev

r existing

credit faci

or third pa

siness asse

mposite c

tion of the

assisted by

e scheme.

e eligible f

for guaran

bodies, ind

e

Capital (bo

er is enjoyi

covered u

ity and 3rd

          

institution

ospitals etc

acuated Tu

Micro and

lity has be

arty guaran

et. b) Und

redit bein

e CGTMSE.

State/Natio

Joint fina

for guarant

ntee cover.

dividual bor

oth fund ba

ing several

upto the El

d party gua

               

ns, non-

c).

ubular Col

d Small En

een provide

ntees. Coll

der the Cre

g extende

However c

onal Level

ncing by tw

ee cover. J

. c). All ty

rrowers, sm

ased and n

l distinct c

ligible Amo

arantee are

comme

lectors (of

terprises (

ed by the

ateral Sec

edit Guara

ed to a si

credit facil

Institutions

wo comme

Joint Finan

ypes of firm

mall busine

non-fund ba

redit facili

ount (prese

e NOT obta

ercial

f any

(both

Bank

urity

antee

ingle

lities

s are

ercial

ncing

ms /

sses.

ased)

ities,

ently

ained

 

5. Ex

Banks p

such as

1) PPre ship

• P

• C

• P

• P

• S

• M

2) P

P

shipmen

finance

3) P

p

m

c

b

xporters

rovides di

Pre-shipme

Pre shipme

pment finan

rocure Raw

Carryout ma

rovide a se

rocess & pa

hip the goo

Meet other f

Post shipm

ost Shipme

nt of good

is provided

Packing Cr

PACK

rovided by

manufacturi

redit open

uyer or a

Loan.

fferent typ

ent, Post-sh

ent

nce is sanct

w material

anufacturin

ecure wareh

ack the goo

ods to buye

financial co

ment

ent financ

s to the d

d against ev

redit.

KING CREDI

y a bank t

ing or pack

ed in his f

confirmed

pes of Loa

hipment Pa

tioned to ex

ng process

house for G

ods

er

ost of busin

ce is sanct

date of re

vidence of

T is any l

to an expo

king of goo

favor or in

and irrevo

ans to Expo

acking Cred

xporters be

Goods & Raw

ness.

tioned for

ealisation o

shipment o

loan or ad

orter for f

ods prior to

n favor of

ocable orde

          

orters in Lo

it.

efore shipm

w material

export sa

of Export

of goods.

vance gran

financing t

o shipment,

some othe

er for the e

               

ocal and Fo

ment for fol

s

ales receiv

proceeds,

nted or an

he purchas

, on the ba

er person,

export of g

oreign curr

llowing

able after

Post shipm

ny other c

se, proces

asis of lette

by an over

goods from

rency

the

ment

redit

sing,

er of

rseas

m the

 

p

c

lo

6. Ag

Agricult

provide

Agriclin

practice

trends a

health e

Agribusi

and othe

The sch

agricultu

farming

Funding

roducing c

ountry hav

odgment of

griculture

ure sector

special fun

1) Agric

nics are env

es, technolo

and prices

etc. which

iness centr

er farm ser

heme is o

ure like ho

piscicultur

2) Cold

is provided

country or

ving been

f export ord

e loan.

in India is

nding optio

clinics & A

visaged to p

ogy dissem

of various

would enha

res are env

rvices.

open to A

orticulture,

re and othe

Storage.

d for Cold s

any other

placed on

ders or lett

s considere

ns which ar

Agribusine

provide exp

ination, cr

crops in th

ance produ

visaged to p

Agriculture

, animal h

er allied act

storage of a

r evidence

the expo

ter of credi

ed as prior

re listed be

ss

pert service

op protect

he market

uctivity of c

provide inp

Graduates

usbandry,

tivities.

agricultura

          

of an ord

orter or so

t with the

rity sector

elow.

es and advi

ion from p

and also cl

crops/anim

put supply,

s/Graduate

forestry, d

l products.

               

der for exp

me other

bank has b

for fundin

ce to farm

ests and di

linical serv

mals. Agribu

farm equi

es in subj

dairy, vete

port from

person, un

been waived

ng .Some b

ers on crop

iseases, ma

vices for an

usiness cen

pments on

ects allied

erinary, po

that

nless

d.

banks

pping

arket

nimal

tres:

hire

d to

ultry

 

The adv

propriet

To enab

credit a

farmer a

one han

storage

farmer a

the com

fa

sh

O

in

fo

lo

fo

Financin

of small

the farm

vances ma

tary/ partn

3) Comp

ble the farm

assistance a

an opportu

nd and to

period till

a fully liqu

mposite cash

a)Ind

arming co-

hare cropp

Only farmer

n the cold

or finance

oans from t

or finance u

4) Poult

ng can be c

l poultry (la

mers and ag

ade to ind

ership conc

posite Cash

mer to unde

and increas

nity to ear

meet a pa

better pric

id savings m

h credit acc

ividual farm

operative

pers with r

rs engaged

storage /

against sto

the Bank fo

under prod

try Develop

considered f

ayer or bro

gricultural

dividuals,

cerns and j

h credit Sc

ertake imp

se farm pr

rn a fair ret

art of the

ces prevail

module by

count when

mers, regis

societies o

recorded ri

in product

warehouse

orage recei

or raising t

duce marke

pment

for the foll

oiler) units

labourers.

group of

oint sector

heme.

roved prac

roduction a

turn on sea

domestic

in the mar

allowing to

n he is cash

tered partn

owning agri

ights are e

tion of cro

e godown /

ipts. c) The

the concer

ting loan sc

lowing type

of 200 to 5

Individual

          

individuals

r companie

tices of cro

and produc

asonal inves

requireme

rket, on the

o earn inte

h rich.

nership firm

icultural la

eligible for

ps and pro

regulated

e farmers w

ned crop in

cheme.

es of poultr

500 birds as

registered

               

s, coopera

s for cold s

op producti

ctivity. b) T

stment in t

ents of the

e other. c)

erest on cre

ms, compan

and, regist

r availing c

oduce suita

market ya

who have a

n that seas

ry schemes

s subsidiary

partnershi

ative socie

storage unit

ion with Ba

To provide

the farm on

e family du

To provide

edit balanc

nies, regist

ered tenan

crop financ

able for sto

ard are elig

availed of

son are elig

. Establishm

y occupatio

ip firms lim

eties,

ts

ank’s

e the

n the

uring

e the

es in

tered

nts /

ce.b)

orage

gible

crop

gible

ment

on by

mited

 

compani

technica

poultry

in

o

a

tr

7. Pr

The fina

based u

and equ

the proj

cash flo

seconda

8. Bu

Business

corporat

acquisit

ies and r

al personn

units.

1. Ind

n poultry

ccupation.

re eligible

rained/ tec

roject Fin

ancing of

pon a non-

uity used to

ject. Projec

ow for rep

ary security

siness Loa

s loans ar

tions, to m

ion of fixed

registered

nel and m

dividual far

manageme

2. Individu

for bank

chnically qu

ance:

long-term

recourse o

o finance th

ct financing

payment, w

y or collater

ans:

e available

meet their

d assets) to

co-operati

anagement

rmers/agric

ent are t

al registere

credit for

ualified per

infrastruc

r limited re

he project

g is a loan

with the p

ral.

e to self

r operating

owards star

ive societi

t experts

cultural lab

taking up

ed partner

large pou

rsonnel for

cture, indu

ecourse fin

are paid b

structure t

project's as

employed

g expenses

rting or exp

          

ies having

for runnin

bourers who

poultry f

ship firms,

ltry units.

running th

strial proj

nancial stru

ack from t

that relies

ssets, right

profession

s, finance

panding a b

               

necessary

ng followin

o are exper

farming as

limited co

These uni

he unit

ects and

ucture wher

he cashflow

primarily o

ts, and int

nals, firms

capital e

usiness.

y trained

ng comme

rienced/tra

s a subsid

ompanies, e

its should

public serv

re project

w generate

on the proj

terests hel

s, Traders

expenditure

and

ercial

ained

diary

etc.,

have

vices

debt

ed by

ject's

ld as

and

e (or

 

1)

Profes

Charte

etc to

2)

Trad

eith

3)

Banks

intere

eligib

a fixe

4)

Few s

repute

real e

) Professio

ssional loan

ered Accou

o meet their

) Trade Lo

de loans ar

her open a

) Mortgage

s provide lo

est. Business

le to apply

d asset.

) Real Esta

selected ban

e. Banks en

estate for pr

onal Loan

ns are prov

ntants, Inte

r operating e

oans.

re provided

new busine

e Loans.

oan against

smen, self e

for the loan

ate Loans

nks give real

nter into Ag

roviding Rea

ns.

ided to sel

erior Decora

expense, fin

d to trader

ess or opera

mortgage

employed p

n. It enables

s.

l estate loan

greements w

l Estate Loa

          

lf employed

ators, Archi

ance and ca

rs/ business

ate/expand

of property

rofessionals

s the borrow

ns to builde

with Builde

ns.

               

d profession

itects, Com

apital expen

smen, so a

d an existin

y on an at

, salaried c

wer to apply

rs/real esta

ers/Promote

nal like Doc

mpany Secre

nditure.

as to help t

ng one.

tractive rat

customers ar

y for loan ag

ate develope

rs/Develope

ctors,

etary,

them

te of

re all

gainst

ers of

ers.of

 

Brief d

Banks al

some of

1. BIt

th

h

2.

A

re

u

th

3.

It

c

descript

lso provide

the types

Bank Guart is a type o

he liability o

is customer

Letters o

A letter fro

eceived on

nable to m

he full or re

Collectio

t is a type

ustomers a

tion Non

e for Fundin

of non fund

rantees :-of service p

of its Custom

liability .

of Credit

om a bank

n time and

make payme

emaining a

on of Bills

of service

and collects

n Fund B

ng option w

d Base activ

- rovided by

mer, if custo

:-

guaranteei

for the co

ent on the

amount of t

s on beha

provided

s local and

Base.

where actu

vity.

Bank to Cus

omer fails to

ing that a

orrect amo

purchase,

the purchas

alf of Cust

by bank in

outstation

          

al funds ar

stomer whe

o pay. In ot

buyer's pay

ount. In the

the bank

se.

tomers :-

which Ban

dues.

               

re not evol

re banks Gu

her words

yment to a

e event tha

will be req

nks act as

ved. Below

uarantees to

bank Guaran

a seller wi

at the buy

quired to c

an agent o

w are

o Pay

ntees

ll be

yer is

cover

of its