The document discusses various loan schemes offered by KSFC (Karnataka State Financial Corporation) to support MSMEs in Karnataka. Some key details include:
- KSFC has been assisting MSMEs in Karnataka for over 52 years, helping over 1,63,643 units with nearly Rs. 10,465 crore in funding.
- They offer term loans, infrastructure development support, and financial services to MSMEs across various sectors like manufacturing, services, tourism, infrastructure development etc.
- Loan schemes have different eligibility criteria depending on sector, loan amount, security/collateral requirements, repayment periods etc. Interest rates typically range from 10.5% to 12%.
- KSFC
Housing finance refers to finance provided to individuals or group of individuals for purchasing/building a house. RBI has given a free rein to banks to decide on the age of dwelling, repayment schedule, margin and security with the approval of their board. There are three types of housing finance namely direct finance, indirect finance and supplementary finance. Housing loan is normally 80 to 85% of the cost of flat. However, some banks provide 100% amount. Banks charge fixed interest rate or a floating rate on housing loans.
• The 'District Industries Centre' (DICs) programme was started by the central government in 1978 with the objective of providing a focal point for promoting small, tiny, cottage and village industries in a particular area and to make available to them all necessary services and facilities at one place.
• The District Industries Centre is the institution at the District level, which provides all the services and support facilities to the entrepreneur for setting up Micro, Small and Medium Enterprises. This included identification of suitable schemes, preparation of feasibility reports, arrangements for credit facilities, machinery and equipments, provision of raw materials and development of industrial clusters etc.
• Established in 1940
• Vision is to be primary driving force of commercially sustainable industrial development .
• Industrial development Corporations are companies or agencies in India which were established at various times under the policy of Government of India for the promotion of small - scale industries.
• A Central Industrial Finance corporation was set up under the industrial Finance corporations Act, 1948 in order to provide medium and long term credit to industrial undertakings which fall outside normal activities of commercial banks.
• The State governments expressed their desire that similar corporations be set up in states to supplement the work of the Industrial financial corporation. State governments also expressed that the State corporations be established under a special statue in order to make it possible to incorporate in the constitutions necessary provisions in regard to majority control by the government, guaranteed by the State government in regard to the payment principal. In order to implement the views Expressed by the State governments the State Financial Corporation bill was introduced in the Parliament.
• Small Industries Development Bank of India (SIDBI), set up on April 2, 1990 under an Act of Indian Parliament, is the Principal Financial Institution for the Promotion, Financing and Development of the Micro, Small and Medium Enterprise (MSME) sector and for Co-ordination of the functions of the institutions engaged in similar activities.
• It was incorporated initially as a wholly owned subsidiary of Industrial Development Bank of India.
• The purpose is to provide refinance facilities and short term lending to industries. Its headquarters is in Lucknow.
• Former Deputy Managing Director is Shri N.K. Maini. Dr. Kshatrapati Shivaji is the new Chairman and Managing Director of the organisation.
Micro, Small and Medium Enterprises (MSMEs) play a major role in economic development, particularly in emerging countries.
MSMEs :
Contributes to the economic growth,
Enormous potential for growth
Potential for employment and income generation
for vast masses of the country.
Government pronouncements about “Make in India” are fundamentally based on these convictions.
There is heightened attention by the international community on MSME sector.
This is primarily because of the critical importance of job creation in the recovery cycle following the recent financial crisis, and the MSME’s potentials in that respect.
In Indian economy, MSME sector contribute :
45 % of the manufacturing output.
40 % of the exports.
There are 467.56 lakh enterprises in the MSME sector.
Provide the largest share of the employment after agriculture. Employment opportunities to 10.62 crore people across the country.
Housing finance refers to finance provided to individuals or group of individuals for purchasing/building a house. RBI has given a free rein to banks to decide on the age of dwelling, repayment schedule, margin and security with the approval of their board. There are three types of housing finance namely direct finance, indirect finance and supplementary finance. Housing loan is normally 80 to 85% of the cost of flat. However, some banks provide 100% amount. Banks charge fixed interest rate or a floating rate on housing loans.
• The 'District Industries Centre' (DICs) programme was started by the central government in 1978 with the objective of providing a focal point for promoting small, tiny, cottage and village industries in a particular area and to make available to them all necessary services and facilities at one place.
• The District Industries Centre is the institution at the District level, which provides all the services and support facilities to the entrepreneur for setting up Micro, Small and Medium Enterprises. This included identification of suitable schemes, preparation of feasibility reports, arrangements for credit facilities, machinery and equipments, provision of raw materials and development of industrial clusters etc.
• Established in 1940
• Vision is to be primary driving force of commercially sustainable industrial development .
• Industrial development Corporations are companies or agencies in India which were established at various times under the policy of Government of India for the promotion of small - scale industries.
• A Central Industrial Finance corporation was set up under the industrial Finance corporations Act, 1948 in order to provide medium and long term credit to industrial undertakings which fall outside normal activities of commercial banks.
• The State governments expressed their desire that similar corporations be set up in states to supplement the work of the Industrial financial corporation. State governments also expressed that the State corporations be established under a special statue in order to make it possible to incorporate in the constitutions necessary provisions in regard to majority control by the government, guaranteed by the State government in regard to the payment principal. In order to implement the views Expressed by the State governments the State Financial Corporation bill was introduced in the Parliament.
• Small Industries Development Bank of India (SIDBI), set up on April 2, 1990 under an Act of Indian Parliament, is the Principal Financial Institution for the Promotion, Financing and Development of the Micro, Small and Medium Enterprise (MSME) sector and for Co-ordination of the functions of the institutions engaged in similar activities.
• It was incorporated initially as a wholly owned subsidiary of Industrial Development Bank of India.
• The purpose is to provide refinance facilities and short term lending to industries. Its headquarters is in Lucknow.
• Former Deputy Managing Director is Shri N.K. Maini. Dr. Kshatrapati Shivaji is the new Chairman and Managing Director of the organisation.
Micro, Small and Medium Enterprises (MSMEs) play a major role in economic development, particularly in emerging countries.
MSMEs :
Contributes to the economic growth,
Enormous potential for growth
Potential for employment and income generation
for vast masses of the country.
Government pronouncements about “Make in India” are fundamentally based on these convictions.
There is heightened attention by the international community on MSME sector.
This is primarily because of the critical importance of job creation in the recovery cycle following the recent financial crisis, and the MSME’s potentials in that respect.
In Indian economy, MSME sector contribute :
45 % of the manufacturing output.
40 % of the exports.
There are 467.56 lakh enterprises in the MSME sector.
Provide the largest share of the employment after agriculture. Employment opportunities to 10.62 crore people across the country.
• The 'District Industries Centre' (DICs) programme was started by the central government in 1978 with the objective of providing a focal point for promoting small, tiny, cottage and village industries in a particular area and to make available to them all necessary services and facilities at one place.
• The District Industries Centre is the institution at the District level, which provides all the services and support facilities to the entrepreneur for setting up Micro, Small and Medium Enterprises. This included identification of suitable schemes, preparation of feasibility reports, arrangements for credit facilities, machinery and equipments, provision of raw materials and development of industrial clusters etc.
• Established in 1940
• Vision is to be primary driving force of commercially sustainable industrial development .
• Industrial development Corporations are companies or agencies in India which were established at various times under the policy of Government of India for the promotion of small - scale industries.
• A Central Industrial Finance corporation was set up under the industrial Finance corporations Act, 1948 in order to provide medium and long term credit to industrial undertakings which fall outside normal activities of commercial banks.
• The State governments expressed their desire that similar corporations be set up in states to supplement the work of the Industrial financial corporation. State governments also expressed that the State corporations be established under a special statue in order to make it possible to incorporate in the constitutions necessary provisions in regard to majority control by the government, guaranteed by the State government in regard to the payment principal. In order to implement the views Expressed by the State governments the State Financial Corporation bill was introduced in the Parliament.
• Small Industries Development Bank of India (SIDBI), set up on April 2, 1990 under an Act of Indian Parliament, is the Principal Financial Institution for the Promotion, Financing and Development of the Micro, Small and Medium Enterprise (MSME) sector and for Co-ordination of the functions of the institutions engaged in similar activities.
• It was incorporated initially as a wholly owned subsidiary of Industrial Development Bank of India.
• The purpose is to provide refinance facilities and short term lending to industries. Its headquarters is in Lucknow.
• Former Deputy Managing Director is Shri N.K. Maini. Dr. Kshatrapati Shivaji is the new Chairman and Managing Director of the organisation.
Profile of SIDO, SISI, NISC; Entrepreneurship and msmeIndraja Modem
entrepreneurship and msme, International financial management; Profile of SISI, Profile SIDO, profile of NISC; SIDO- Objectives, mission, vision; SISI- Objectives and functions; NISC- Objectives and functions
Entrepreneurship development - Institutional AssistanceSOMASUNDARAM T
Financial assistance through SFCs, SIDBI, Commercial Banks, KSIDC, KSSIC, IFCI; Non-financial assistance from DIC, SISI, EDI, SIDO, AWAKE, TCO, TECKSOK, KVIC; Financial incentives for SSI and Tax Concessions ; Industrial estates: role and types.
• The 'District Industries Centre' (DICs) programme was started by the central government in 1978 with the objective of providing a focal point for promoting small, tiny, cottage and village industries in a particular area and to make available to them all necessary services and facilities at one place.
• The District Industries Centre is the institution at the District level, which provides all the services and support facilities to the entrepreneur for setting up Micro, Small and Medium Enterprises. This included identification of suitable schemes, preparation of feasibility reports, arrangements for credit facilities, machinery and equipments, provision of raw materials and development of industrial clusters etc.
• Established in 1940
• Vision is to be primary driving force of commercially sustainable industrial development .
• Industrial development Corporations are companies or agencies in India which were established at various times under the policy of Government of India for the promotion of small - scale industries.
• A Central Industrial Finance corporation was set up under the industrial Finance corporations Act, 1948 in order to provide medium and long term credit to industrial undertakings which fall outside normal activities of commercial banks.
• The State governments expressed their desire that similar corporations be set up in states to supplement the work of the Industrial financial corporation. State governments also expressed that the State corporations be established under a special statue in order to make it possible to incorporate in the constitutions necessary provisions in regard to majority control by the government, guaranteed by the State government in regard to the payment principal. In order to implement the views Expressed by the State governments the State Financial Corporation bill was introduced in the Parliament.
• Small Industries Development Bank of India (SIDBI), set up on April 2, 1990 under an Act of Indian Parliament, is the Principal Financial Institution for the Promotion, Financing and Development of the Micro, Small and Medium Enterprise (MSME) sector and for Co-ordination of the functions of the institutions engaged in similar activities.
• It was incorporated initially as a wholly owned subsidiary of Industrial Development Bank of India.
• The purpose is to provide refinance facilities and short term lending to industries. Its headquarters is in Lucknow.
• Former Deputy Managing Director is Shri N.K. Maini. Dr. Kshatrapati Shivaji is the new Chairman and Managing Director of the organisation.
Profile of SIDO, SISI, NISC; Entrepreneurship and msmeIndraja Modem
entrepreneurship and msme, International financial management; Profile of SISI, Profile SIDO, profile of NISC; SIDO- Objectives, mission, vision; SISI- Objectives and functions; NISC- Objectives and functions
Entrepreneurship development - Institutional AssistanceSOMASUNDARAM T
Financial assistance through SFCs, SIDBI, Commercial Banks, KSIDC, KSSIC, IFCI; Non-financial assistance from DIC, SISI, EDI, SIDO, AWAKE, TCO, TECKSOK, KVIC; Financial incentives for SSI and Tax Concessions ; Industrial estates: role and types.
Small Scale Industries play a very vital role in the national economy. They help in generating employment with minimum
possible investment and play a very vital role in promoting exports. Therefore, the Government has announced various schemes and policies for the promotion of Small Scale Industries to ensure that control over production is widely distributed. As per the present definition, an industry having investment of upto Rs. 1 crore in plant and machinery is defined as Small Scale Industry.
There is no limit to the financial benefits that an MSME registration certificate can proffer for your small business. Here is a comprehensive guide that will familiarize you with the numerous reforms introduced by the government for the growth of MSMEs in India.
Here are some of the efforts taken up by SIDBI so that women are encouraged more towards opening their own business.
kindly go through the Schemes and it might be helpful to you in any sense.
Feedback is a must!!!!
Regards,
Nazneen Sheikh
Micro, Medium and Small Enterprises
It is helpful for enterpreneurs and persons having interest in economy and want to gain knowledge regarding society.
You can contact me directly for any type of assistance
This report cover New Industrial Policy of Gujarat, 2015. it cover various Incentive Schemes like Incentives for SMEs, Scheme for Plastic Industry, Innovative Start Ups, Industrial Infrastructure, Labour Generating Industries and Research & Development.
If you establishing business in Gujarat then please have a look at the presentation first.
This report cover New Industrial Policy of Gujarat, 2015. it cover various Incentive Schemes like Incentives for SMEs, Scheme for Plastic Industry, Innovative Start Ups, Industrial Infrastructure, Labour Generating Industries and Research & Development.
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Latino Buying Power - May 2024 Presentation for Latino CaucusDanay Escanaverino
Unlock the potential of Latino Buying Power with this in-depth SlideShare presentation. Explore how the Latino consumer market is transforming the American economy, driven by their significant buying power, entrepreneurial contributions, and growing influence across various sectors.
**Key Sections Covered:**
1. **Economic Impact:** Understand the profound economic impact of Latino consumers on the U.S. economy. Discover how their increasing purchasing power is fueling growth in key industries and contributing to national economic prosperity.
2. **Buying Power:** Dive into detailed analyses of Latino buying power, including its growth trends, key drivers, and projections for the future. Learn how this influential group’s spending habits are shaping market dynamics and creating opportunities for businesses.
3. **Entrepreneurial Contributions:** Explore the entrepreneurial spirit within the Latino community. Examine how Latino-owned businesses are thriving and contributing to job creation, innovation, and economic diversification.
4. **Workforce Statistics:** Gain insights into the role of Latino workers in the American labor market. Review statistics on employment rates, occupational distribution, and the economic contributions of Latino professionals across various industries.
5. **Media Consumption:** Understand the media consumption habits of Latino audiences. Discover their preferences for digital platforms, television, radio, and social media. Learn how these consumption patterns are influencing advertising strategies and media content.
6. **Education:** Examine the educational achievements and challenges within the Latino community. Review statistics on enrollment, graduation rates, and fields of study. Understand the implications of education on economic mobility and workforce readiness.
7. **Home Ownership:** Explore trends in Latino home ownership. Understand the factors driving home buying decisions, the challenges faced by Latino homeowners, and the impact of home ownership on community stability and economic growth.
This SlideShare provides valuable insights for marketers, business owners, policymakers, and anyone interested in the economic influence of the Latino community. By understanding the various facets of Latino buying power, you can effectively engage with this dynamic and growing market segment.
Equip yourself with the knowledge to leverage Latino buying power, tap into their entrepreneurial spirit, and connect with their unique cultural and consumer preferences. Drive your business success by embracing the economic potential of Latino consumers.
**Keywords:** Latino buying power, economic impact, entrepreneurial contributions, workforce statistics, media consumption, education, home ownership, Latino market, Hispanic buying power, Latino purchasing power.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
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USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
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Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
how can I sell my pi coins for cash in a pi APPDOT TECH
You can't sell your pi coins in the pi network app. because it is not listed yet on any exchange.
The only way you can sell is by trading your pi coins with an investor (a person looking forward to hold massive amounts of pi coins before mainnet launch) .
You don't need to meet the investor directly all the trades are done with a pi vendor/merchant (a person that buys the pi coins from miners and resell it to investors)
I Will leave The telegram contact of my personal pi vendor, if you are finding a legitimate one.
@Pi_vendor_247
#pi network
#pi coins
#money
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
2. Kaushik Mukherjee, IAS, Managing
Director
KSFC has been playing a vital role in the
development of Micro, Small and Medium
scale Enterprises (MSMEs) in the State of
Karnataka
KSFC an ISO 9001:2000 certified
3. KSFC is one of the fast track term lending
financial institutions in the country
Assistance to over 1,63,643 units amounting
to nearly Rs 10,465 crore over the last 52
years in the State of Karnataka.
KSFC is one of the robust and professionally
managed State Financial Corporations.
4. KSFC to have assisted many industries that
are internationally recognised like
INFOSYS
BIOCON
5. Services
Financial services
Infrastructure development
Term loan
6. Term loan
KSFC has 23 schemes under term loan
7. LENDING POLICY –
NORMS AND PARAMETERS
Lending Policy Of The Corporation:
The Corporation formulate lending policy at
the beginning of each financial year.
lending policy covers various aspects like
the group exposure, thrust sectors, sectors
in the negative list, promoters contribution,
security margin, collateral security norms
etc
8. Policy On Minimum
Loan Size
Minimum loan size of Rs.5.00 lakhs, except
medical and veterinary doctors where
minimum limit is Rs.2.00 lakhs.
Minimum size of the loan for others is
reduced to Rs.2.00 lakhs in case of existing
units going in for expansion /modernisation.
10. In respect of existing units operating successfully,
maximum limit can be extended
for category
I. Rs. 800.00 lakh
II. Rs. 2000.00 lakh
11. In respect of category (II) the financial assistance can
be sanctioned provided the paid up capital and free
reserves do not exceed Rs. 2000.00 lakh.
If the requirements of the funds for project is
substantial and cannot be extended by the corporation
alone, then the requirements of loan of such projects
can be met in association with other financial
institutions.
12. Promoters' Contribution
The minimum promoter’s contribution of the
total project cost prescribed in various
schemes varies between 22.5% and33.3%
Depending on the location of the project,
various schemes of SIDBI operated by the
Corporation, class of entrepreneur etc.
13. Security
In addition to the primary security i.e.,
assets financed by the Corporation,
collateral security as per the lending policy
of the Corporation is insisted.
The collateral security requirement depends
upon the type of project, location, sector,
quality of primary assets etc.
14. Repayment Period
The repayment period of the term loan
varies between 3 to 8 years including
termination period of maximum 2 years
depending on the period of implementation.
In respect of corporate loan, the maximum
repayment period is 36 months including six
months of termination.
15. Rate of Interest
Category of loans Rate of interest
Loans up to Rs. 25 lakh 10.50%
Loans above Rs. 25 lakh 11.00%
Non SSIs & MSI 11.00%
Corporate Loan 12.00%
16. Area Of Operation
The Corporate extends financial for an
enterprise in the state of Karnataka with its
network of 30 branches covering all the
districts of the state.
17. Application Forms For Loan
Loan application forms are issued after the
proposal is cleared in the project Clearance
Committee (PCC) meeting
For loan proposals upto Rs. 50.00 lakh
Branch offices will issue the application
forms.
For loan proposals above Rs. 50.00 lakh,
loan application are issued at Head Office.
18. General Scheme
For establishment of new
Tiny/SSI/MSI/ Service Units
Expansion
Modernization
Diversification of Existing Units.
19. Repayment period
Repayment period : Maximum of 8 years
with a termination period upto 2 years
normally.
In extremely deserving cases, the maximum
period can go upto 10 years.
20. Project Cost
The project cost shall not exceed Rs. 12.00
crore for SMEs.
The project cost can go up to Rs. 20.00
crore in respect of service and
infrastructure projects.
21. Eligibility
Projects which are eligible to be financed as
per Criteria the SFCs' Act
22. Assistance To Construction/
Infrastructure Related
Activities
For establishing Commercial Complexes,
Residential Apartments
Development of Residential Layouts,
Group Housing
Industrial Estates
Parks
Godowns
23. Warehouses
Acquisition of Ready built Offices/New Office
Building
Sales Outlets/Showrooms and
Infrastructure projects like Flyovers, Bridges
etc
Construction
Development and Maintenance of Roads
24. Eligible
Individuals, firms, companies and other
eligible constitutions.
25. Promoter’s contribution
Minimum promoter’s contribution shall be
contribution 25% of project cost.
26. Assistance To Tourism
Amusement Parks
Convention Centres
Hotels and Restaurants
Travel and Transport
Tourist Service Agencies
Mobile Canteen / Catering
27. Eligible
Sole proprietorships, partnerships, co-
operative societies.
Private / public limited companies.
28. Credit Linked Capital Subsidy
Scheme (CLCSS)
The objective of the scheme is to facilitate
technology upgradation of Micro and Small
Enterprises (MSEs) in specified products /
sub-sectors by providing 15% capital
subsidy for induction of proven technologies
approved under the scheme.
29. The list of products / sub-sectors covered
under the scheme is as per the approval of
the Governing and Technology Approval
Board (GTAB) constituted under this
scheme.
30. Eligible
Sole proprietary concerns, partnerships, co-
operative societies, private and public
limited companies.
31. Single Window Scheme
To provide loan both for fixed assets and
working capital to tiny and small scale units
Project cost -Rs 35 lakhs
Working capital requirement -Rs. 15 lakhs
32. Assistance For Construction
Of Roads
For acquiring capital goods
Equipment including road rollers,
asphalting units
Concrete mixtures, tippers, excavators,
Surveying and other supporting
equipment towards development,
maintenance and construction of roads.
33. Eligible
Any reputed civil contractors /
firms/companies.
34. Repayment /Security/
Contribution
Repayment period: up to 6½ years
excluding termination period varying
between 6 to 9 months.
Security: 100% on all loans.
Promoter contribution : 25% of project cost.
35. General Corporate Loan
Scheme
Short term loans to the units who require
urgent working capital
Funds either to meet the gap in the working
capital requirements or funds required for
executing the rush of orders.
36. This loan is also considered for developing /
expanding new markets and opening LC for
purchase of new equipments till a term loan
is sanctioned and released by the financial
institutions.
37. The Corporation also extends corporate
loan for meeting the statutory dues to the
Government like payment of Income Tax,
Sales Tax, Excise Duty etc.
38. Eligibility
Existing units eligible for financial
assistance from KSFC under the SFCs' Act,
1951 are eligible to be covered under the
scheme.
39. Repayment period
Not exceeding 24 months including
termination period of 6 months (maximum)
40. Privileged Entrepreneurs
Scheme
To meet short term funds requirements of
the
existing units which are under thrust /
normal
sectors of lending policy of the Corporation.
41. Eligible
Proprietary concern, partnership firm,
private and public limited companies.
42. TECHNOLOGY
UPGRADATION FOR TEXTILE INDUSTRIES
To provide encouragement to textile
industrial units (including units in the cotton
ginning and pressing sectors) in taking up
technology
Upgradation and to modernize their
production facilities
43. Eligible
Sole proprietary concerns, partnerships, co-
operative societies, private and public
limited companies in textile and cotton
ginning and pressing industries.
44. INTEREST SUBSIDY SCHEME FOR
SCHEDULED CASTE / TRIBE
ENTREPRENEURS
Interest subsidy in respect of loans availed
by SC/ST entrepreneurs.
45. Security
A relaxation of 25% in the requirement of minimum
collateral security up to a loan amount of Rs. 25.00
lakhs, be considered in the case of entrepreneurs
belonging to Scheduled Caste/ Tribe.
For loans more than Rs. 25.00 lakhs, the collateral
security requirement shall be as applicable to
general category.
47. Assistance To Entertainment
Industry
For construction and purchase of cinema
halls and multiplexes
Production of short TV serials and feature
films,
Software for visual media publicity.
48. Assistance To Qualified
Professionals
Assistance for qualified professionals
management
Medical architects
Engineers
Veterinary for setting up of business
enterprises
Private practice and consultancy services in
their line of expertise.
49. A.M.A.R.A (Assistance
For Marketing Related
Activities)
Assistance to small and medium scale
existing units with good track record to
undertake various activities necessary to
increase their sales in the domestic and
foreign markets and to create physical
marketing infrastructure.
50. Small Road Transport
Operators (SRTOs)
Assistance to Small Road Transport
Operators to meet expenditure towards cost
of Chassis, Body Building, Initial Taxes,
Insurance etc.
51. Assistance For Acquiring Private
Vehicles
Assistance to individuals, firms and
companies
Acquisition of vehicles like cars, vans, omni
buses, tractors etc.
52. Acquisition Of ISO 9000 Series
Certification
• Assistance to existing industrial concerns in
the SSI sector having a good track record,
to meet expenses on consultancy,
documentation, audit certification fees,
equipment
• Calibrating instruments required for
acquisition of ISO certification.
53. Financing Of DG Sets
Assistance for acquisition of DG
sets/installation and construction of dg set
etc.
Assistance for acquisition of generators for
purpose of hiring vehicles, trailers, DG sets
and accessories also available.
54. Office Automation
Assistance to existing units with good track
record to acquire items like PCs, Printer,
Copier, Fax Machine, Telephone etc.
55. Training Institution
Assistance to existing units with successful
track record for setting up In- House
Training
Facilities including Construction of Building,
acquisition of Furniture, Equipments etc.