| 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.
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. |