S E R V I C E S

Lending Policy & Procedures of
National Handicapped Finance And Development Corporation (NHFDC Scheme)

Audhyogic Nivesh Protsahan Yojana (IIPS)

Normal Financing Scheme for Fixed Assets

Single Window Scheme(FATL & WCTL)

Composite Loan Scheme

Seed Capital Scheme from Central Govt./ SIDBI/NEF/MUM

Financin to Construction Activities

Financing to Entertainment Sector

Financing to Technology Upgradation of Central Govt./SIDBI/RTDM /TUFS/ Tannery Modernization

Financing Health Care Sector

Financing to IT Sector

Financing to Tourism Sector

Credit Link Capital Subsidy Scheme for Technical Upgradation of SSI Units

Capital Investment Subsidy Scheme for Construction/Expansion/ Modernization of Cold Storage for Horticulture Produce

Financing Assistance to Doctors Under NEF

Abhinav Protshahan Yojna

Marketing Infrastructure Scheme

Regional Offices

CORPORATION HIGHLIGHTS


One of the premier term lending State Financial Corporations of India.

SET UP INDUSTRY GET PROSPERITY

OUR FINANCIAL NORMS

Debt Equity Ratio

1:1 to 2:1 depending upon the quantum of loan, nature of industry, nature of scheme and security of coverage available.


 INTEREST RATE 

S. No. PARTICULARS Present Applicable Rates
1 A. LOANS UP TO RS. 0.50 LACS

B. LOAN ABOVE RS. 0.50 LACS TO RS. 2.00 LACS     (INCLUDING LOAN UNDER SWS/MUN/NEF SCHEME/ MARKETING SCHEME FOR SSI PRODUCTS)

C. ALL LOANS UNDER ISO 9000 SCHEME

10.75 %

11.25 %

          

11.25 %

2 LOAN ABOVE RS. 2.00 LACS
(INCLUDING LOAN UNDER SWS CASES/MUN/NEF SCHEME/MARKETING SCHEME FOR SSI PRODUCTS/TANNERY MODERNIZATION SCHEME AND INFORMATION TECHNOLOGY SCHEME)       (FINANCING PERMISSIBLE FOR "A" & B+ CATEGORY* ONLY)
FOR "A"  CATEGORY*
 FOR "B+" CATEGORY*

              

 

 

                    12.50 % 13.00 %

3 ERS / EFS 

12.50 %

4 WORKING CAPITAL TERM LOAN                     (FINANCING PERMISSIBLE FOR "A" & B+ CATEGORY* ONLY)  

FOR "A" CATEGORY*                                                     FOR "B+" CATEGORY*

  

 

                          14.00 % 14.50 %

5 SHORT TERM LOAN SCHEME                          (FINANCING PERMISSIBLE FOR "A" & B+ CATEGORY* ONLY)
FOR "A"  CATEGORY*                                                    FOR "B+"  CATEGORY*		  


                     15.00 % 15.50 %

6 CONSTRUCTION SCHEME                               (FINANCING PERMISSIBLE FOR "A" CATEGORY* ONLY) 13.50 %

NOTE: 

1. Benifit under RTDM, RTUF and Tannery Modernization scheme will be available only if   refinance  is available in individual cases from SIDBI .
2. Penal interest applicable shall be 3.5% on defaulted amount for defaulted period .
3. No TIRB shall be allowed henceforth.
4. No benefit of reduction in interest rate for prime category rated projects other than    mentioned in the interest rate structure shall be available henceforth.
5. Financing is permissible only in "A" and "B+" category rated projects for loans other than constructions scheme and only in "A" category rated projects under construction scheme.
6. An additional commitment levy of 0.5% shall be charged on loans sanction under construction scheme which shall be payable before Ist disbursement. 

*Category will be ascertained at the time of appraisal of loan proposal.

LIMIT OF ACCOMODATION

1. Up to Rs.800.00 lacs for Sole Proprietorship and Partnership Concern

2. Up to Rs. 2000.00 lacs for Private/Public Limited Company

SECURITY

Depending upon risk perception of the case, Security debt ratio of 2 : 1 or more is considered. Indicative guidelines are given in suggestive pages.