Shree Lohana Samaj (Sangathan) Trust Konkan Vibhag

SHREE LOHANA MAHAPARISHAD-
શ્રી લોહાણા મહાપરિષદ

Today’s Date

Cent- Kalyani

OBJECTIVE:

To encourage Women Entrepreneurs to start new project or expand / modernise the existing unit.

TARGET GROUP:

New as well as Existing Women entrepreneurs for her Micro / Small enterprise ( as defined under MSME Act- 2006) .i.e engaged in manufacturing and service activity for eg. Handloom weaving Handicraft, Food-Processing, Garment making etc. etc. Professionals & Self employed women – Doctors, Chartered Accountants, and Engineers or trained in Art or Craft etc. Health /Beauty clinics/Dieticians/Fashion Designing Beauty Parlors .Small Business-Small lunch/canteen, mobile restaurant, circulating library/ tailoring /Day Creaches for children ,Tailoring, Typing / STD/ Zerox booth etc.Transport Operators- Three wheeler /Four wheeler . 

  • PURPOSE: To meet capital expenditure ( Plant & Machinery /Equipments etc). & To meet day to day expenditure
  • NATURE OF FACILITY: Term Loan Fund Based Working capital Facility – Overdraft/ Cash Credit Non Fund Based Working Capital – Letter of Credit /Letter Of Guarantee etc
  • QUANTUM OF FINANCE: Maximum Rs. 100 Lacs .
  • MARGIN: 20%
  • RATE OF INTEREST: Concession in Rate of interest – Loan up to Rs. 10 Lacs – MCLR + 0.25% Loan above Rs. 10 Lacs and up to Rs.100 Lacs – MCLR + 0.50% Additional Interest concession of 0.25% if account is rated by external agency.
  • PRIMARY SECURITY: Charge on stock/Receivables/ Plant & Machinery,Equipments and all other unencumbered assets acquired for business .
  • PRIMARY SECURITY: Charge on stock/Receivables/ Plant & Machinery , Equipments and all other unencumbered assets acquired for business .
  • COLLATERAL SECURITY: No Collateral Security as Advance is covered by Guarantee cover of CGTMSE
  • THIRD PARTY GUARANTEE: No Third party Guarantee necessary as advance is covered by Guarantee Cover of CGTMSE
  • CGTMSE COVERAGE: Guarantee cover of CGTMSE .( CGTMSE Fee for the first year to be paid by the bank)
  • PROCESSING FEE: NIL
  • INSURANCE: Comprehensive insurance of Stock ,Machinery equipments etc with Bank clause.

Eligibility Criteria

  1. Target Group-New as well as Existing Women entrepreneurs for her Micro / Small enterprise ( as defined under MSME Act- 2006) .i.e engaged in manufacturing and service activity for eg.
  2. Handloom weaving Handicraft, Food-Processing, Garment making etc. etc.
  3. Professionals & Self employed women – Doctors, Chartered Accountants, and Engineers or trained in Art or Craft etc.
  4. Health /Beauty clinics/Dieticians/Fashion Designing Beauty Parlors .
  5. Small Business-Small lunch/canteen, mobile restaurant, circulating library/ tailoring /Day Creaches for children ,Tailoring, Typing / STD/ Zerox booth etc.
  6. Transport Operators- Three wheeler /Four wheeler . (Retail Trade/ Education and training Institute/ Self Help Group not eligible)

Benefits

  1. The scheme aim is to encourage Women Entrepreneurs to start new project or expand / modernise the existing unit.
  2. New as well as Existing Women entrepreneurs for her Micro / Small enterprise  .i.e engaged in manufacturing and service activity for eg.
  3. Handloom weaving Handicraft, Professionals & Self employed women – Doctors, Chartered Accountants, and Engineers or trained in Art or Craft etc. 

How to Apply

  1. Obtain the Cent Kalyani Application from the official website of Central Bank of India.
  2. From the home page of Central Bank of India, Click on the application forms.
  3. Select the application forms according to the loan type.
  4. You can download word pdf format of application.
  5. Provide all details in the hard copy of the application.
  6. Submit the application along with all documents to the concerned branch of Central Bank of India.
  7. On successful verification, the loan will be credited to the entrepreneur’s account.

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