Welcomes YOU

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Welcomes YOU
for
Innovator
Identification Camp
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Schemes for SME

• ? Government schemes
• ? Indian Bank schemes

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• Government schemes
• PMRY
• KVIC-REGP
• Swarojgar Credit Cards

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ltlt PMRY

• Targetted at educated unemployed poor having
  family income
• of less than Rs.40000 per annum for setting
  up micro enterprises
• ( industry, services, business ) except
  direct agriculture activity
• Age of applicant between 18 to 35 years
  relaxable in case of SC/ST,
• women, ex-servicemen, physically handicapped
• Min.Education 8th pass or ITI trained
• Eligible Project cost upto Rs.2 lakhs per
  applicant or Rs.10 lakhs for group
• For business sector, eligible project cost
  Rs.1 lac per applicant
• 
  or Rs.5 lakhs for group
• Subsidy _at_ 15 of project cost limited to
  Rs.7500 maximum per applicant
• Margin amount of 5 to 16.25 of project cost
  
• ( subsidy margin 20 of
  project cost )
• Repayment 3 to 7 years

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ltlt SwaroJgar credit cards

• Target group Small Artisans , handloom
  weavers, service sector
• other micro
  enterprises
• Max.loan limit Rs.30,000 per borrower
• Facility Composite loan ( term loan
  revolving cash credit )
• Subsidy Nil
• Margin amount Nil upto Rs.25,000
• 5 for loan
  above Rs.25,0000
• Repayment maximum of 5 years
• Photo ID card will be issued
• Validity 5 years - subject to
  yearly renewal

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ltlt kvic - regp

• Khadi Village Industries Commission (KVIC)
  has launched the
• Rural Employment Generation Programme (REGP)
• RICS (Rural Industries Consultancy Services)
  under KVIC provides support services for project
  preparation, knowledge support for project
  implementation, marketing guidance etc
• Project cost not to exceed Rs.25 lacs
• Only New viable village industries eligible
  under this scheme
• Age of applicant not less than 18 years
• Projects without capital expenditure not
  eligible under this scheme
• Margin money assistance provided by KVIC upto
  16 (net effect)
• of project cost after 2 years of lock in
  period
• Land cost not to be included in project cost
  but bldg cost can be considered
• Partnership Firms, Pvt Ltd cos, etc not
  eligible
• 90 of project cost can be financed by Banks
• EDP training by KVIC is compulsory for
  beneficiaries
• For Eligible village industries please
  approach Banks / KVIC.

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• Indian bank schemes
• ? Ind SME Secure scheme
• ? IB Star RiceMill scheme
• ? IB BPO Finance
• ? Ind Mortgage Scheme
• ? Annapoorna Arogya Scheme
• ? IB Doctor plus
• ? Trade Finance
• ? My own shop
• ? Professional Special
• ? IB Ayushman

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• IND SME Secure scheme

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IB star rice mill scheme
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IB bpo finance scheme
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• Management
• constitution
• changes in mgmt
• delegation of work
• experience of key promoters
• Technical
• Technology mfg process
• Plant capacity
• Source availability of inputs
• Plant location
• Environment issues
• Commercial
• Nature of product ( capital goods / consumer
  goods )
• Market potential
• Seasonality
• Pricing policy
• Competition / market share
• Brand value
• Economic

Appraisal technique
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• APPRAISAL System
• ? Structured formats
• ? Techno commercial Evaluation
• ? Financial Analysis
• ? Risk Analysis industry unit
• ? Peer level comparison with similar units
• ? Risk based pricing

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• Bankability ISSUES - general
• ? Industry outlook
• ? Acceptability of Financial parameters
• ? Comfort offered
• ? Managements commitment
• ? Timely submission of data / statements
• ? Track record / default history
• ? Asset creation and value addition
• ? Adherence to Statutory norms
• ? Profit retention / withdrawals from business

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• OTHER SERVICES
• Collection / clearing services
• Remittances ( DD/ PO / TT / EFTs etc)
• Confidential credit information
• Guarantees
• Solvency certificates
• Letter of Credit
• IT based services

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Thanks You