MSME-PPT-251222.pdf

Shishu-50000
Kishore- 50000 to 5 Lac
Tarun : 5 lac to 10 lac
SHG – 20 Lacs
Agri allied-10 Lacs
TAILOR
MADE
PMEGP
PMSVANIDHI
GECL etc.,
ANY LOAN AMT
BUT
(CGTMSE COVER)
UPTO 2 CR (MFG/SER)
UPTO 1 CR (TRADE)

 MSME
 INTERNATIONALMSME DAY – 27th June
 “Simplified Common Appraisal Memorandum for MSMEs”
 Loans upto Rs 10 lacs -NF 1042
 Loans above Rs. 10 lakhs to Rs. 1 Crore -NF 1028
 Loans above Rs. 1 Crore to Rs. 5 Crore -NF 1029
 Loans above Rs. 5 Cr to Rs. 25 Cr –NF 1023
 Above Rs. 25.00 Crore - Long Format adopted by the Bank
 MSME sector provides
 Employment :120 million people.
 MSM enterprises 63.4 million
 Contribute to 45% of the industrial production of the country and
 48% of the total exports.
MSMEs contribute 6.11% of the manufacturing GDP and
24.63% of the GDP from service activities AND
33.4% of India’s manufacturing output.
 94% of MSMEs are unregistered with a large number in the
unorganized sector

4
Based on Iinvestment in
P & M
OR
Equipment
Does not exceed
T/O
DOES NOT
EXCEED
1 CRORE MICRO 5 CRORES
10 CRORES SMALL 50 CRORES
50 CRORES MEDIUM 250 CRORES
Any person who intends to establish a MSME may file Udyam Registration online
in the Udyam Registration portal, based on self-declaration with no
requirement to upload documents, papers, certificates or proof
MFG ( INVESTMETN IN P & M)
SERVICE (INVEST IN EQUIPMENT
MULIPLY WITH
5

Calculation of investment in Plant and Machinery or equipment:-
➢ Linked to the IT Return of the previous years filed under the
Income Tax Act, 1961
➢ If new enterprise, where no prior ITR is available, the
investment will be based on self-declaration of the promoter
of the enterprise and such relaxation shall end after the 31st
March of FY in which it files its first ITR.
➢ Online form for URC captures depreciated cost as on 31st
March each year of the relevant previous year. Therefore, the
value of P & M or Equipment for all purposes shall mean the
Written Down Value (WDV) as at the end of the FY as defined
in the IT Act and not cost of acquisition or original price,
➢ Cost of certain items specified as per section 7 of the Act
(Cost of pollution control, Research and development,
Industrial safety devices, Tools, Jigs, Dies, Mould etc.,)
shall be excluded from the calculation of the amount of
investment in P & M

Calculation of turnover
Exports of goods or services or both, shall be excluded for the
purposes of classification of MSME
Information as regards T/O & Exports T/O for an enterprise shall be
linked to the IT Act or Central Goods and ServicesAct (CGST Act)
and the GSTIN.
T/O related figures of such enterprise which do not have PAN will
be considered on self-declaration basis for a period upto 31st
March, 2021 and thereafter, PAN and GSTIN shall be mandatory.
The exemption from the requirement of having GSTIN shall be as
per the provisions of the Central Goods and Services Tax Act,
2017

 URC Registration process
➢ Registration portal : Udyam Registration portal.
➢ NO fee for filing Udyam Registration.
➢ Aadhaar number shall be required for Udyam Registration.
➢ iv. The Aadhaar number shall be of the proprietor in the case of a
proprietorship firm, of the managing partner in the case of a partnership firm
and of a karta in the case of a Hindu Undivided Family (HUF).
➢ PAN shall be mandatory.
➢ vi. In case of a Company or a LLP or a Cooperative Society or a Society or a
Trust, the organisation or its authorised signatory shall provide its GSTIN and
PAN along with its Aadhaar number.
➢ No enterprise shall file more than one URC: Provided that any number of
activities including manufacturing or service or both may be specified or added
in one Udyam Registration.
➢ Whoever intentionally misrepresents or attempts to suppress the self-
declared facts and figures appearing in the Udyam Registration or updation
process shall be liable to such penalty as specified under section 27 of the Act
➢ Registration of existing enterprises: Existing Entrepreneurs Memorandum
(EM) Part II and Udyog Aadhar Memorandum (UAMs) of the MSMEs obtained till
June 30, 2020 shall remain valid till June 30, 2O22,
➢ Udyam Registration of PM SVANidhi beneficiaries is not mandatory (MoHUA),

TARGETS FOR LENDING TO MSME SECTOR BY DOMESTIC COMMERCIAL BANKS
Priority Sector (which include MSME sector) constitute 40 % of ANBC or CEOBE (H)
 MICRO ENERPROSES TAGER IS 7.5 % of ANBC or CEOBE (higher)
 As per recommendations of the Prime Minister's Task Force on MSMEs
 Achieve a 20% year-on-year growth in credit to Micro and Small Enterprises
 Achieve 10% annual growth in the number of accounts under Micro Enterprise
 60% of the total advances to Micro and Small Enterprises sector as on
preceding March 31st
 Should go to Micro Enterprises
➢ RBI advised to open atleast one specialised branch in each district.
➢ Bank has been permitted to categorise their general banking branches having
60% or more of their advances to MSME sector as a whole.

INSTITUTIONALFRAMEWORK
MSME Wing at HO : Exclusively facilitate growth and expansion of MSME business for the
Bank.
MSME Wing primarilyconsistsof the following
Departments/verticals.
➢ SME Business Unit :Formulating/Renovating policies and strategies and for MSME
business growth, taking into account the communications/guidelines received from
RBI/Govt. of India/SIDBI/KVIC/CGTMSE/other regulators and In-house Committees of
the Bank.
➢ SME Credit Group : Processing of SME proposals falling under HO powers
➢ SME Monitoringand Rehabilitation Centre : Monitoring of NPA slippage of accounts
and follow up of same for recovery of dues.
➢ CGTMSE Vertical (At MSME Wing Annex–Manipal : Coverage of Eligible accounts under
CGTMSE (NPA Marking, NPA Upgradation, Claim Preferment etc.,
➢ MSME Sulabh Monitoring Cell: Performance monitoring of MSME Sulabhs (including
Marketing officers linked to such Sulabhs).
➢ Government Sponsored Schemes (MSME) monitoringand Credit Guarantee Cell:
Implementation and monitoringof MSME Government sponsored schemes like
PMEGP, Stand-Up India, CLCSS, PM-SVANidhi, PMMY etc., including handling of
respective portals.
➢ GM’s Secretariat
➢ MSME Section at CO: Primarily responsible for driving MSME growth
➢ General Advances Section at RO: Handle all credit related matters falling under the
purview of RO, includingMSME advances
➢ MSME Sulabhs: w.e.f 01.07.2021. 156 MSME Sulabhs : Handle all fresh and
enhancement MSMEproposals (Except VSL & GL) beyond cumulative cut off limits of Rs
25 Lakh or branch DOP whicheveris less in case of Small/Medium/Large & VLB branch.
➢ Specialized SME branch

Issue of Ack of Loan Applications to MSME borrowers : INWARD IN NB139 .
Rejection of MSME credit facilities: Concurrence of the NHA. (However, proposals of
CAC/MC powers may be rejected by MD &CEO or ED in the absence of MD & CEO)
 Time Norms for disposal of Applications BY BRANCH:
 MSME PROPOSALUPTO 5 LACS : 15 DAYS
 ABOVE 5 LACS : 30 DAYS.

 Collateral Security GUIDELINES
 Bank has mandated not to accept collateral security in the case of loans up to Rs.10
lakhs extended to units in the MSE sector & PMEGP .
 Bank may, on the basis of good track record and financial position of the MSE units,
increase the limit to dispense with the collateral requirement for loans up to Rs.25
lakh based on merits.
 However, obtention of mandatory CGTMSE Cover can be waived for MSME loans
above Rs.10 lakhs upto Rs.200 lakhs, when the MSME borrower provides primary
security or primary and collateral security put together in the form of land and
building/ approved securities with a minimum value of 75% of the sanctioned limit,
in addition to the security of assets created out of Bank’s finance

Delayed payment : In no case, the period agreed upon between the supplier and
the buyer shall not exceed 45 days from the date of acceptance or the day of
deemed acceptance. (PENALTY : 3 times of Bank Rate COMPOUNDED - monthly)
Guidelines of our Bank in respect of enabling mechanism for meeting payment
obligations by Large corporates to MSMEs are as under :
While sanctioning/renewing credit limits to their large corporate borrowers (i.e.
borrowers enjoying WC limits of 10 crore and above from the banking system),
Bank to fix separate sub-limits, within the overall limits, specifically for meeting
payment obligations in respect of purchases from MSMEs either on cash basis or
on bill basis

CREDIT GUARANTEE SCHEMES:
Credit Guarantee Scheme is a tool for : i. Widening of credit portfolio ii. Better
management of risk iii. Faster recovery of dues iv. Enhancement of profitability
 CGTMSE :Credit Guarantee Fund Trust Scheme For Micro & Small Industries
COVERAGE : FB and/or NFB (single borrower) MS Enterprise for credit facility
UPTO Rs. 200 lakh
➢ Retail and Wholesale trade : Rs. 100 lakh
➢ by way of Term loan and/or Working Capital
➢ without any collateral security and/or 3rd party guarantees.
➢ Maximum guarantee coverage limit of Rs. 200 lac per borrower will be based on
the O/S credit facilities and the borrowers can avail incremental credit facilitis
➢ Hybrid Security : MLIs will be allowed to obtain collateral security for a part of the
credit facility, whereas remaining unsecured part of credit facility, upto a maximum
of ₹200 lakh, can be covered under CGTMSE.
 CGTMSE will, however, have notional second charge on the collateral security.
 Credit facilities may be extended by more than one bank and/or FI jointly
and/or separately to eligible borrower up to a maximum of ₹200 lakh per
borrower subject to ceiling amount of individual MLI.
 Any credit facility which has been sanctioned by the Bank with the interest rate
charged as per the RBI guidelines would be eligible for coverage under CGS of
CGTMSE

MLIs can now apply for guarantee cover anytime during the tenure of Loan
provided the credit facility was not restructured / Remained in SMA2 status in
last 1 year from the date of submission of application.
Provided further that, as on the material date:
➢ Credit facility is standard and regular (not SMA) as per RBI guidelines and / or
➢ Business or activity of the borrower has not ceased;
and / or
➢ Credit facility has not wholly or partly been utilized for adjustment of any
debt deemed bad or doubtful of recovery, without obtaining a prior consent
in this regard from the Trust.
Credit facilities not eligible under the Scheme
➢ DICGC COVERED ACCOUNTS.
➢ Any credit facility in respect of which risks are additionally covered by
Government or by any general insurer or any other person or association of
persons carrying on the business of insurance, guarantee or indemnity.
➢ Any Credit facility upto ₹10 lakh to Micro Enterprises covered under MUDRA.
➢ Any credit facility, which does not conform to, or is in any way inconsistent
with, the provisions of any law, or with any directives or instructions issued
by the Central Government or the RBI.
➢ Any credit facility which has been sanctioned by the lending institution
against collateral security and / or 3RD party guarantee.

GUARNATEE - 236/20 AGF
 Guarantee cover will commence from the guarantee start date and
shall run through the agreed tenure of the term credit in respect of
Term loan/Composite credit.
 Where WC alone is extended to the eligible borrower, the guarantee
cover shall be for a period of 5 years or a block of 5 years, keeping
maximum period of guarantee cover of 10 years or for such period as
may be specified by the trust in this behalf

CALCULATION OF AGF BY TRUST :
TERM LOAN : Outstanding amount as on 31st December
WC : Maximum (peak) WC limit availed by the borrower during previous calendar year
Additional risk premium : 15% will be charged on the applicable rate to MLIs who
exceed the payout threshold limit of 2 times more than thrice in last 5 years. This
premium will be applicable for all guarantee accounts irrespective of the sanction
date

COVERGAE PERIOD
CGTMSE GUIDELINES : Coverage within the end of subsequent quarter to
the quarter in which the credit limit is sanctioned.
BANK GUIDELINES : 15 days from the date of sanction
Invocation of guarantee
NPA MARKING
CGTMSE GUIDELINES : NEXT QUARTER END
BANK GUIDELIENS : 15TH OF SUBSEQUENT MONTH TO THE MONTH IN WHICH
ACCOUNT SLIPS TO NPA.
Preferring of claim of eligible NPA accounts under CGTMSE
CGTMSE GUIDELINES : Max period is 3 years from the NPA date or lock-in
period whichever is later
Bank guidelines : within 180 days of NPA date or expiry of lock in period
which ever is latter. (18 months from date of issue of guarantee cover OR
the date of last disbursement , which ever is later)

Claim preferment
Settlement of 2ND/Final instalment:
Settlement of 2nd / final instalment will be considered on conclusion of recovery,
irrespective of the sanction date of the credit facility.
With regards to conclusion of recovery proceedings, following 4 scenarios as
applicable and certified by the concerned authority of the MLI is considered as
conclusion of recovery proceedings provided minimum period of 3 years from
the date of settlement of first claim has been lapsed.
➢ If legal action is initiated under SARFAESI Act and whatever assets available
were sold off and the amount is remitted to the Trust.
Also, the borrower is not traceable and the Networth of the Personal
Guarantor is not worth pursuing further legal course.
➢ If amount is recovered through sale of assets under SARFAESI and no other
assets are available and legal action is taken under any forum such as RRA,
Civil Court, Lok Adalat or DRT where there is no further means to recover
the money from the borrower and the Networth of the Personal guarantor is
significantly eroded.
➢ If no assets are available and the borrower is absconding, and the Networth of
the Personal guarantor is significantly eroded.
➢ If no assets are available and the legal action is withdrawn as the borrower is
absconding and it may not be worth pursuing legal action.
➢ As per CGTMSE guidelines, the balance 25 % of the guaranteed amount will be
paid on conclusion of recovery proceedings by the lending institution or after
3 years of obtention of decree of recovery, whichever is earlier

Other important CGTMSE guidelines
 CGTMSE Cover can be waived for loans above Rs.10 lakhs upto Rs.200 lakhs, when the borrower
provides primary security or primary and collateral security put together in the form of land and
building/ approved securities with a minimum value of 75% of the sanctioned limit, in addition to
the security of assets created out of bank’s finance.
 Guarantee coverage for credit facilities above Rs. 50 lakhs – (internal guidelines)
 Credit facilities above Rs.50 lakhs under CGTMSE with relaxations in respect of the following Viability
Parameters are to be permitted by CM/DM and above authorities upto their delegated powers at
Branches/ SME Sulabhs/ROs, with proper substantiation/ justification for the relaxations :
 a) Current Ratio – 1.25 and above
 b) Promoter's contribution – minimum 30% of project cost
 c) Debt Equity Ratio – 2:1
 d) Overall DSCR- 1.50 and above.
 e) Fixed Assets Coverage Ratio(FACR) – 1.4 and above
 f) Internal Rate of Return – 5% and above from estimated weighted average cost of funds.
 g) Repayment Period (in respect of TL)– Up to 6 years excluding moratorium period
 Sanction to be reviewed & confirmed by NHA @ RO/CO before release of loan.
 MSE units who approach for credit facilities under CGTMSE are to be duly verified
through Due Diligence Services of the Rating Agencies for exposures of 10 lacs
and above.
 All proposals above Rs.50.00 lakhs will have to be rated internally and accounts
with Risk Rating upto Normal Risk only to be considered for financing

 Credit Guarantee Fund For Micro Units (CGFMU)
 CGFMU is the Trust Fund set up by GOI , managed by NCGTC as a trustee,
with the purpose of guaranteeing payment against default in Micro
Loans extended to eligible borrowers by Banks under PMMY.

 CGFMU guarantees loans to eligible micro units under PMMY upto Rs10 Lac
without obtaining any collateral or 3RD party guarantee.
 CGFMU Covers PMJDY of Rs.10000/-

 SHISHU category loans, i.e.,upto Rs.50,000 are eligible for CGFMU
guarantee cover if ROI charged should not exceed 12% p.a.
 There is no such cap on ROI for loans granted under “KISHOR” & “TARUN”
 Credit Guarantee is available on a portfolio basis and not on individual
loan basis, i.e., all the eligible loans granted under PMMY shall be centrally
covered under CGFMU at HO and branches need not cover the loans
individually.

Credit Guarantee Scheme For Standup India (CGSSI):
In order to increase the pace of lending under Standup India Scheme, GOI
introduced Credit Guarantee Scheme for Standup India (CGSSI).
Brief details of the scheme are, as under:
➢ CGSSI shall be maintained and operated by NCGTC.
➢ CGSSI facilitates Credit Guarantee of all eligible A/CS sanctioned under Stand-up
India.
➢ Fund shall cover assistance of over Rs.10.00 Lakhs and upto Rs.100 Lakhs inclusive
of WCl extended under Stand Up India scheme to a single eligible borrower without
obtaining any collateral or 3RD party guarantee.
➢ Fund shall provide guarantee cover to the extent of
➢ Rs.10 Lakhs and upto Rs.50 Lakhs : 80% of the amount in default for credit facility
above, subject to a maximum of Rs.40 Lakhs.
➢ For above Rs.50 lakhs and upto Rs.100 Lakhs : Rs.40 Lakhs
➢ +50% of the balance amt in default above Rs.50 Lakhs subject to Max Rs.65 Lac

Credit Enhancement Guarantee Scheme For Scheduled Castes (CEGSSC)
OBJECTIVE : Promote entrepreneurship among the SC population in India
Introduced : Ministry of Social Justice and Empowerment, GOI
Implemented by : “Industrial Finance Corporation of India Ltd (IFCI)
Brief details of the scheme are, as under:
➢ Scheme aims at guaranteeing the financial assistance extended by the
Banks and Financial Institutions to SC entrepreneurs by providing credit
guarantee through the CEGSSC.
➢ Envisaged for Small and Medium Enterprises, projects/units being set up,
promoted and run by Scheduled Caste entrepreneurs in Manufacturing,
Trading and Services Sector.
➢ Primary Sector such as Commercial agriculture, Food processing,
Horticulture, Poultry etc. are also eligible
➢ Scheme cover credit to a single eligible borrower by way of WC, TL or
Composite Term Loan facilities without any collateral security and/or 3rd
party guarantees.
➢ The minimum loan amount can be covered under the scheme is Rs.15 lacs

Coverage By Export Credit Insurance From Export Credit Guarantee Corporation
(ECGC)
 Pre-shipment Credit: Bank has subscribed to Export Credit Insurance for Banks -
ECIB (WTPC), which covers all packing credit advances granted by the Bank
excluding advances granted to Government Companies
 Any company in which not less than 50% of the paid up share capital is held
by the Central or any State Government or partly by the Central Govt and
partly by one or more State Govt and includes a company which is a
subsidiary of a Govt company)
 Post-shipment credit: Post-shipment credit under Export Credit is covered
under Post-Shipment Credit under Export Credit Insurance for Banks (Whole
Turnover Post Shipment) [ECIB. (WT-PS)] of ECGC. The premium in respect of
ECIB (WT-PS) is borne by the Bank and not to be recovered from exporters.
 In addition to Whole Turnover Post Shipment Guarantee (ECIB-WTPS),
individual Buyer wise Policy to be obtained by the exporter client. However,
bank may consider waiver on selective basis,

 FRAMEWORK FOR REVIVAL AND REHABILITATION OF MSMEs
 Objective : To provide a simpler and faster mechanism to address the
stress in the accounts of MSMEs and to facilitate the promotion and
development of MSMEs.
 RBI has issued guidelines on framework of revival and rehabilitation of
MSME units having loan limits upto Rs. 25 Crores.
 The salient features of the framework are as under:
➢ Before a loan account of an MSME turns into a NPA, Banks or creditors
should identify incipient stress in the account by creating 3 sub categories
under the SMA category as given in the framework.
➢ Any MSME borrower may also voluntarily initiate proceedings under this
framework.
➢ Committee approach to be adopted for deciding corrective action plan.
➢ Time Lines have been fixed for taking various decisions under the
framework

 Standby Credit for Capital Expenditure of MSMEs
 Purpose : To meet unforeseen/contingent requirement for acquiring
fixed assets like, generator set, balancing equipments, replacement of
existing machinery items, moulds, jigs etc, to maintain production and /or
to acquire necessary equipments/machinery for modernization of the unit.
 Term Loans : 25 % of the original value of the existing P & M subject to a
maximum of Rs.25 Lakhs, at the time of each renewal of WC limits.
 Margin : 15 to 25% of the cost of FA to be acquired under the loan.
 Adhoc Credit Facility
 EXTRA ROI : 2 % (EXPORTER NO EXTRA ROI)
 (ADHOC : 2 TIMES IN A FY)
 MAXIMUM PERIOD OF ADHOC : 90 DAYS

General Guidelines: (MSME POLICY)
Latest 3 YEARS financial statements shall be analysed and carry out the comparison
of the financials. In case of any huge deviation the same shall be analysed & justified
ABS shall be obtained in respect of Limits above Rs.20 lacs or Turnover of Rs.100
lacs and above per annum and also where audit of balance sheet is mandatory by
statute.
All documents provided by the CA should mandatorily contain UDIN.
Pre and Post sanction inspection
Eligible new borrowers as well as existing borrowers having FB or NFB exposure
of Rs.5 crore & above from the Bank, shall submit Legal Entity Identifier (LEI)
Code (within specified timelines) along with the loan application.
In cases of limits are above Rs.5.00 crore, a copy of the passports of the
Promoters/ Promoter Directors and Guarantors to be mandatorily obtained

 577/21 30.08.21 : Renewal of MoU with the following agencies for entrusting Due
Diligence Services for MSME : valid upto 02.08.2024
 External Due Diligence from such agencies has been made Mandatory for MSME
 who approachour Bank for the first time seeking credit facilityrequirement
 of above Rs. 10 lakhs and are eligible to be covered under CGTMSE
Agency-soft copy of Report to be given in 3 days Amount Bracket Charges
M/s. Brickworks AnalyticsPvt. Ltd.(whollyowned
subsidiary of Brickwork Ratings India Pvt Ltd
Upto Rs.25 lakhs Rs 6,500
Rs.25 lakhs upto Rs.75 lakhs Rs 8,500
Above Rs.75 Lakhs Rs 10,500
M/s. Acumen Business ConsultancyPvt. Ltd. Upto Rs.2 Crore Rs 5,000
Rs.2 Crore upto Rs.10 Crore Rs 7500
Above Rs.10 Crore Rs 10000/-
M/s. SMERA Gradings&Ratings Pvt. Ltd Irrespective of Loan amount Rs 12000/-
M/s. Infomerics Analytics and Research
Private Limited (14.9.24)
Upto Rs.25 lakhs Rs 5,500
Rs.25 lakhs upto Rs.75 lakhs Rs 7,500
Above Rs.75 Lakhs Rs 9,500
M/s. CRIF Solutions Private (610/22)
Limited (22.9.24)
Up to Rs. 75 Lakhs Rs 3,500
Above 75 lacs Rs 3,750

CREDIT INFORMATION REPORTS:
 (i) M/s.TransUnion CIBIL Limited
 (ii) M/s. Experian Credit Information Company India Private Ltd. (ECICI)
 (iii) M/s. Equifax Credit Information Services Private Ltd. (ECIS)
 (iv) M/s. CRIF High Mark Credit Information Services Pvt. Ltd. (CHMCIS
 MSME Secured loans upto 10 lac: only one CIR to be obtained
 MSME secured loans above Rs. 10 lakhs : 2 CIR
 ABOVE 10 lakhs and upto Rs. 10 Cr : One from CIBIL including CMR and
another report from any of the CICs

Learning & Development Vertical
MSME CMR RATING (10 LACS TO 10 CR)
• Applicable to Existing & New MSME loans with aggregate Loan quantum (Present
& Proposed) of above Rs.10 lakhs upto Rs.10 crores
• CMR measures MSMEs on a rank scale of 1 to 10.
• 1 being the best rank and 10 being the worst.
•
• CMR will be automatically generated along with Commercial Credit Information
Report at the time of generating the same (CIBIL RS 500 + CMR 400=RS 900)

Learning & Development Vertical
CREDIT RISK RATING (190/20 & 171/20 FOR CIRM)
• CRR IS A PRE- SANCTION EXERCISE.
• AGGREGATE OF ALL FB AND NFB LIMITS (PRESENT & PROPOSED) OF A
BORROWER –DECIDES MODEL
• CREDIT RISK RATING PURPOSE : DOP/ROI
• INTERNAL RATING SHALL BE ENTERED IN BAM 88 FOR ANY MODEL.
• EXTERNAL RATING GRADES HAS TO BE ENTERED IN BAM 89.
• Our bank is adopting 4 models under Risk rating.
• 1) PORTFOLIO MODEL- Applicable for loans upto2 lakhs & Loans
• 2) SMALL VALUE MODEL – ABOVE 2 LACS TO 20 LACS
• 3) MANUAL MODEL- ABOVE 20 LACS TO 200 LACS
• 4) CIRM – ABOVE 200 LACS
• CIRM Hybrid Model (600/2022) : Applicable for the Manufacturing, Trading
and Services (wherever balance sheet is available) as under:
New Borrower (except Greenfield projects) having exposure above 2 Cr to
5 Cr (irrespective of turnover).
Existing borrower having exposure above 2 Cr to 5 Cr (irrespective of T/O)

ECAI (EXTERNAL CREDIT RATING : 25 CR & ABOVE
In case of externally unrated borrowers with exposure
Above Rs 25 Crores up to Rs 100 Crores : Additional interest 0.25% .
Exposure above Rs 100 Crores : Additional interest of 0.50% shall be charged
over and above ROI.
Credit Scoring Model
To decide the eligibility for availing finance under MSME.
ApplicabIlity : MSME applying for loans from our Bank for the first time
Exposures upto an aggregate amount of Rs.2 crores).
Fetch at least 60% of the marks to become eligible for finance.
Rejection of the loan proposals of MSME entrepreneurs who score less than 60%
marks shall be done by the NHA.
Canara Bank Proposal Rating (CBPR): MSME loans for >= Rs.10 crore (FB + NFB)

 PSB loans in 59minutes :
 New-age digital lending platform that has been put into operation to apply and
get “in Principle Sanction” for Business Loans within 59 minutes without any
physical contact with Bank Branch.
This web portal is enabled for in principle approval for MSME loans under
➢ MUDRA category and
➢ Other loans upto Rs. 5 Crores within 59 minutes.
 The Portal reduces TAT. Subsequent to this in-principle approval, the loan
 is required to be sanctioned & disbursed in 7-8 working days.
 Tie-Up with Fin-techs : (MSME SUGAM)
 Bank has entered into tie up arrangements with the Fin Tech Company ‘M/s. Basix
Sub-K iTransactions Limited
➢ Source eligible MSE proposals up to and inclusive of Rs.10 LACS in the
service areas of the designated Circles/Branches.
➢ Obtain application and other required documents.
➢ Conduct KYC, Due Diligence and credit verification check

 Trade Receivables DiscountingSystem (TReDS):
 The Scheme facilitating the financing of Trade Receivables of MSMEs
from Corporate and other buyers, including Govt. Departments and
PSUs through multiple financiers is known as “TRADE RECEIVABLES
DISCOUNTING SYSTEM (TReDS)”.
 Our Bank is on boarded for participating as ‘Financing Bank’ on the TReDS digital
platform of
 M/S .RXIL, M/s.A.TReDS Ltd. (Invoicemart) and M/s.Mynd Solutions (M1xchange)
for online discounting of trade receivables by executing Master Agreement with
them.
 Further, Bank has established 2 TReDS Cells i.e. at
 SMCB BKC Branch-Mumbai and
 Infantory Road (II) Branch- Bengaluru
 ECAI Rating of Buyer to be approved for discounting on TReDS platforms shall be
‘A-’ and above for non-constituent type of buyers &
 BBB and above for constituent type of borrowers.
 However, ECAI rating in respect of Central/State Govt has been waived off.
 Bills upto a tenor of 180 days can be quoted for discounting on the platform.

 End to end digitization of Shishu Mudra Loans” for existing customers, as per
EASE 3.0 PSB Reforms.
 End to End (E2E) digitization of Shishu Mudra loans under (STP) mechanism for
existing customers of the Bank.
 Online validation of KYC and Udyam Registration Certificate.
 Sanction of loans up to Rs 50,000/- based on pre-defined business rule engines.
 Digital Document Execution (e-stamping and e-signing) by the borrower.
 System has the following capabilities:
 KYC validation.
URC verification.
Eligibility Check based on the set of business rule engines.
End to end processing of loan
Digital document execution (e- stamping & e-signing)


 “Jansamarth Portal” (also known as National Portal)
 In this background, the following Credit linked Govt. MSME schemes have
been made eligible for routing through the Jansamarth Portal:
 i. Pradhan Mantri Mudra Yojana (PMMY)
 ii. Weavers Mudra
 iii.Stand Up India
 iv. National Urban Livelihood Mission (NULM).

 Pradhan Mantri Mudra Yojana (PMMY):
 Pradhan MantriMudra Yojana(PMMY) was launchedon April 8, 2015 by the GOI in order
to provide financialsupport primarilyto Micro Enterprises.
 An overdraft amount Rs 10,000/- sanctioned under PMJDY also classifiedunder MUDRA
 Maximum loan quantum under PMMY is limited to Rs.10.00 Lakhs.
 Credit facility is extended by way of TL and/or WC.
 Collateral Security: Not to accept collateral security in the case of loan up to Rs 10 lakh
extended to units in the MSE Sector.
 CGFMU guarantees micro units under PMMY upto the specified limit of Rs.10.00 Lakhs,
without obtaining any collateral or 3rd party guarantee.
 ix. A separate Scheme Code “75410 – PMMY-MUDRA YOJANA” has been created for
opening of loans in CBS under PMMY
Category Slab
SHISHU Loans upto Rs.50,000/-
KISHORE Loans above Rs.50,000/- and upto Rs. 5.00 Lakhs.
TARUN Loans above Rs.5.00 Lakhs and upto Rs.10.00
Lakhs

 Stand Up India Scheme (SUI):
 Scheme was launched with a view to promoteentrepreneurship among SC/ST & Women
entrepreneurs.
 LOAN AMOUNT : Rs.10.00 Lakhs to Rs.1.00 crore
 ELIGIBGLE : SC OR ST OR/and Women Entrepreneurs
 FINANCE ONLY TO : New Enterprise(Greenfield Project) in MFG, Tradingand services
sector or agriculture allied activitiesand services supporting these.
 Credit facility : Composite loan (WC+TL)
 MARGIN : 15% (In cases where the borroweris eligible for Central / State Govt. subsidy,
the subsidy amount can be reckoned as margin brought in by the borrower.However in
such cases, the borrowershould contribute at least 10% of the project cost as margin.)
 GUARANTEE: Credit Guarantee Scheme for Stand Up India (CGSSI).
 Scheme Code : “75430 – STAND UP INDIA SCHEME”

 PM Street Vendor’s AtmaNirbharNidhi (PM SVANidhi)” scheme for Street vendors
 The Street Vendorswill be eligible to avail a WorkingCapital Demand Loan (WCDL)
 Ist Tranche : Loan of upto Rs.10, 000/- with tenure of 1 year and repaid in monthly.
 2nd Tranche : On timely or early repayment, the vendors are eligible for 2nd tranche
loan with minimumloan of Rs 15000/- and maximumloan amount of Rs 20000/-
 3rd Tranche : Rs.50,000/- maybe consideredto the eligible beneficiaries,subject to
successfulrepayment of the 2nd tranche. Bank shall ensure marking of the 2nd loan
as closed, for processingthe 3rd loan.
 Interest Subsidy : @ 7% for all the loans i.e. 1st, 2nd and 3rd loans. Interest subsidy
claims on all loans under the scheme will be paid till March, 2028.
 Productcode- 711 - to be utilized while opening 1st, 2nd and 3rd tranche of loan )
 Scheme code – 104600 (to be utilized while opening 2nd tranche of loan in CBS)
 111200 (to be utilized while opening 3rd tranche of loan in CBS
 Interest Subsidy claimsto be paidon quarterly basis. (June 30, September 30,
December 31, and March 31 of each year.) – HO CIR 644/2O22

 Deendayal Antyodaya Yojana - National Urban Livelihood Mission (DAY –NULM)
 LAUNCHED : GOI - Ministryof Housing and Urban Poverty Alleviation (MoHUPA),
 OBJECTIVE : Improve the livelihood opportunities for the poor in urban areas
 Restructured: Existing Swarna Jayanti Shahari RozgarYojana (SJSRY) and launched the
NULM in 2013. (AGAIN RENAMED AS DAY-NRLM)
 IMPLEMENTED : All District headquarters(irrespective of population)
 and
 All the cities with population of 1 lakh or more.
 FOCUS ON : Self Employment Program (SEP)-Providing financial assistance through
provision of interest subsidy on loans to support establishment of Individual & Group
Enterprises and Self-Help Groups (SHGs) of urban poor
 ELIGIBLE : Individual enterprise (SEP-I), Group enterprise (SEP-G) and SHG (SEP-SHGs)
 PRODUCT CODE : 719 -SEP-I, 720-SEP-G and 737-SEP-SHGs
 SUBSIDY : Difference between 7% p.a. and ROI charged by the bank will be provided to Banks
under DAY-NULM. An additional 3% interest subvention will be provided to all Women SHGs
(WSHGs) who repay their loan in time

 Prime Minister’s Employment Generation Programme (PMEGP)
 Administered by : Ministry of MSME .
 Objective : Generate employment opportunitiesin Rural and urban
areas of the country through setting up of new self-employment
ventures/projects/micro enterprises.
 LOAN : Cost of the project : Rs 50 lacs in respect of manufacturing activity &
 Rs.20 lacs in respect of Service / business activity
 2nd PMEGP loan : with subsidy for upgrading the existing units, which are
performing well in terms of Turnover, profit making and loan repayment.
 2ND LOAN : Manufacturing units : 1 Crore
 Service/Trading Units : Rs.25.00 lakhs
 Subsidy of 15%( 20% for NER and Hilly States).
 Product code: For MSMEs: Term Loan- 727 OCC-2000
 For Agriculture: Term Loan – 877 & OCC -261

 WEAVER’S MUDRA SCHEME.
 IMPLEMENTED : Ministry of Textiles, GOI.
 Objective : Provide timely and hassle free assistance to weaversto meet their immediate
requirements, in the form of
 WC : Maximum of Rs.2 lacs &
 TL : Maximum of Rs.50000 within a overall exposureof Rs.2 lacs per Borrower.
 Government support by way of:
 Margin Money Assistance- 20% of the PC subject to maximum of Rs.10,000/- per weaver.
 Interest Subvention –Differencebetween the actual interest charged by Bank and 6% p.a.
(Maximum interest subvention shall be capped at 7% p.a –(FOR 3 Years from first disburs)
 One time guarantee fee & Annual CGTMSE fee for 3 years to be borne by the GOI.
 Product code: Term Loan- 769 OCC-275

 Partial Risk Sharing Facility (PRSF)
 Implemented by : SIDBI and supported by World Bank (line with GOI National Mission
on EnhancedEnergy Efficiency (NMEEE) which aims to promote Energy efficiency (EE)
projects implementedby ESCOs (Energy Service Companies) in the unit premises of Host
entities, that offer energy efficiency improvement services with the objectiveof bringing
about demonstrableenergy savings.
 The performanceriskis borne by the ESCO.
 M/s. SIDBI, provides Credit guarantee of upto 75% of the loans granted by PFI for
energy efficiency projects sanctioned under the scheme in the eligible sectors such as
MSMEs, Municipalities, Building Discoms and Large Industries.

 Credit Linked Capital Subsidy Scheme (CLCSS & SCLCSS):
 OBJECTIVE : CLCS Component of CLCS-TU Scheme aims at facilitating technology
upgradation by providing capital subsidy to MSE units, on institutional finance
(credit) availed by them for modernization of their P & M involved in MFG
process and equipment for rendering services.
 Quantum of capital subsidy :15% (max up to Rs.15 lakh) of eligible investment.
 Ceiling limit of loan (TO GET SUBSIDY) under CLCS : Rs. 100.00 Lakh.
 SCLCSS (Special Credit Linked Capital Subsidy Scheme) is implemented
whereby the SC/ST MSEs are provided additional 10% subsidy (over
disbursement of 15% subsidy under CLCS) under National SC/ST Hub (NSSH).
SC/ST MSEs of Service Sector apart from the Manufacturing Sector are also
eligible for 25% subsidy under SCLCSS for procurement of equipments w.e.f.
15.11.2021.
 NSSH Scheme has been made applicable till 31.03.2026.
 SC/ST MSEs are provided subsidy of 25% (with the overall ceiling of Rs. 25 lakhs on the
subsidy - (632/22)

 Zero Defect Zero Effect:
ZED is an extensive drive of the GOI to promote “Zero Defect Zero Effect “ practices
among MSMEs.
 All MSMEs registeredwith the UDYAM registrationportal will be eligible to participate in
MSME Sustainable (ZED) Certification and avail related benefits/ incentives.
 Bank has adopted the followingbenefits/ incentives to ZED certified MSMEs under the
revamped ZED scheme introduced on 28.04.2022
 The financial support, incentives, benefits and other provisionscontained in the scheme
as per the ZED guidelines published by the MoMSME, will be valid till 31.03.26 (477/22)
 ZED Certificationis not mandatory criterion for MSMEs
 Quality Council of India (QCI), an autonomousbody setup by Ministryof Commerce &
Industry, GOI has been appointedas an implementingagency for facilitating,
implementation,co-ordination and monitoringof the Scheme
 MSME Sustainable(ZED) Certificationcan be attainedby eligible MSMEsin 3 Levels after
registeringand taking the ZED Pledge:
 Level 1: BRONZE Certification Level 2: SILVER Level 3: GOLD


Risk Rating of the
Unit (New/Existing)
ZED Rating of the
MSME unit
ROI CONCESSION PROCESSING CHARGES
CONCESSION
Internal Rating –
CNR I to V
(Minimal/LR)
External Rating –
AAA/AA/A
Bronze 0.10% 10 %
Silver 0.25% 25%
Gold 0.50% 50%
Internal Rating –
CNR VI (NR)
External Rating –
BBB
Bronze 0.10% 10%
Silver 0.20% 20%
Gold 0.30% 30%
Internal Rating –
CNR VII (MR-1)
External Rating –
BBB
Bronze ---- ---
Silver 0.10% 10%
Gold 0.25% 25%
External Rating –
BB/B & below
Bronze No concessions permitted
Silver
Gold
➢ Sanctioned concessional ROI shall not be stipulated below extant RLLR
➢ Sanctioned concession in processing charges shall not be stipulated more than
75% of the extant processing charges applicable under non-schematic MSME

Guaranteed Emergency Credit Line(31.03.23 or RS 500000 CR Gua (which ever early)
Emergency Credit Line Guarantee Scheme (ECLGS) of GOI was implemented by M/s. NCGTC to
extend support to MSME affected by COVID19 pandemic to sustain their business .
GECL 1
AMOUNT 20% of their outstanding as on 29.02.2020, with combined
outstanding loans across all MLIs up to Rs. 50 crores and DPD
upto 60 days as on 29.02.2020
TYPE OF LOAN Working Capital Term Loan
REPAYEMENT 36 months with the initial moratorium of 12 months
ROI RLLR + 0.60%/MCLR (as applicable) subject to a maxim of 9.25%
RF 2.0 following was permitted for GECL 1.0 facilities
Additional 1 more year Moratorium i.e. extension of tenor of GECL 1.0 to 5 years
i.e. 24 months Moratorium + 36 EMIs.
GECL 1.0 (Extension) component of GECL scheme
Provide additional support to existing borrowers of GECL 1.0 or new borrowers
eligible under GECL 1.0 based on revised reference date of March 31, 2021, for
building up current assets, meeting operational liabilities and/or restarting the
business in the form of Additional WCTL Facility(FB facility only)
30% of the total credit outstanding (net of support received under GECL 1.0) up to
Rs. 50 crore (FB only) as on 29th Feb 2020 or 31st March 2021, whichever is higher

 Guaranteed Emergency Credit Line
 .
GECL 2
ELIGIBILITY Existing borrowers with business activities corresponding to the
26 sectors identified by the Kamath Committee on Resolution
Framework in its report dated September 04, 2020, and the
Healthcare sector
AMOUNT 20% of their outstanding as on 29.02.2020, whose total loan
outstanding (FB only) across all MLIs is above Rs 50 Crore and not
exceeding Rs.500 crore as on 29.02.2020, with DPD upto 60 days
TYPE OF
LOAN
WCTL facility and / or NFB facility or a mix of the two
REPAYEMEN
T
5 years from the date of first disbursement of FB facility or first
date of utilization of NFB facility, whichever is earlier.
ROI RLLR + 0.60%/MCLR (as applicable) subject to a maxim of 9.25%
Additional support to existing borrowers of ECLGS 2.0 or new borrowers eligible
under ECLGS 2.0 based on revised reference date of March 31, 2021, for building
up current assets, meeting operational liabilities and/or restarting the business in
the form of WCTL and/or NFB or a mix of two
30% of their total FB credit outstanding (net of support received under GECL 2.0)
above Rs. 50 crore and up to Rs. 500 crore as on 29.02.2021 or 31.03.2021
(applicable reference date), subject to borrower meeting all eligibility criteria.
REPAYMENT : 6 years including moratorium of 24 months.

 .
GECL 3
ELIGIBILITY Hospitality, Travel & Tourism and Leisure & sporting sectors and
Civil Aviation sectors (Our existing borrowers (which were
classified as standard but not in default for more than 60 days).
AMOUNT Upto 40% of their total credit outstanding (FB only) as on
29.02.2020, subject to a cap of Rs. 200 Cr. per borrower
(However, entities who have availed upto 20% of their FB credit
outstanding as on 29.02.2020 under ECLGS 1.0 or ECLGS 2.0, could
get additional financial assistance upto 20% of the total FB credit
outstanding as on 29.02.2020.)
TYPE OF LOAN WCTL
REPAYEMENT 6 years (including moratorium of 2 years on repayment of the
principal amount)
ROI RLLR + 0.60%/MCLR +0.60 % subject to a maxim of 9.25%
Additional support to existing borrowers of GECL 3.0 or new borrowers eligible under GECL
3.0 for building up current assets, meeting operational liabilities and/or restarting the business
in the form of Additional WCTL Facility (FB facility only)
upto the extent of 50% of their total credit outstanding as on 29.02.2020 or31.03.2021 or
31.01.2022, whichever is higher, subject to a cap of Rs. 200 crore per borrower (Hospitality
and related sectors excluding Aviation sector) and Rs 400 crore per borrower (aviation
sector) and the borrower meeting all the other eligibility criteria

 .
GECL 4 ---CANARA GECL Jeevanrekha
ELIGIBILITY Extended to eligible hospitals/nursing homes/clinics/ medical
colleges/units having existing credit facilities with any lending
institution for setting up low cost oxygen generation plants,
involving technologies like Pressure Swing Adsorption for
onsite oxygen generation
AMOUNT Loans upto Rs. 2 Cr
TYPE OF
LOAN
WCTL
REPAYEMENT 5 years from the date of first disbursement of fund based facility
including moratorium of 6 months
ROI RLLR+0.60% and 1year MCLR+0.15% subject to a max 7.50% PA
.


 GECL Claim Preferment in NCGTC portal (39/22)
 NPA marking:MLIs are required to mark the date on which the account has been classified
as NPA within 90 days of the account being classifiedas NPA.
 Claim Preferment:On submission of this claim, an e-mail shall go to the MLI that their claim
has been lodged and NCGTC would initiateaction to approvethe claim request and arrange
to pay 75% of the amount in default within 30 days of the claim date provided all requisite
documents are submitted and the claim is found to be in order and complete in all respects.
This shall be treated as Interim Claim.
 The MLI shall also furnish details of the recoveries made in the account and after adjusting
such recoveries towards default amount relating to first charge and the legal costs incurred
by them, remit the balance amount to NCGTC within 30 days, failing which MLI shall be
required to pay the recovered amountalong with interest at 2% over and above the
prevailing repo rate from the date of recovery to the date of payment
 Final Claim: On completionof the recovery Proceedings or till decree gets time barred,
whichever is earlier, the MLI shall submit its claim for the balance 25% of the amount in
default (net of recoveries, if not already remitted as above).

 Credit Guarantee Scheme For Subordinate Debt (CGSSD) : EXTENDED 31.3.23
 :
Launched by CGTMSE (31.3.23 OR 20,000 crore of guarantee amount)
Applicability MSMEs whose accounts have been
Standard as on 31.03.2018 and have been in regular operations, Either
as standard accounts, or as NPA accounts during financial year 2018-19
and financial year 2019-20.
Scheme is valid for MSME Units which are stressed viz., SMA 2 and
NPA accounts as on 30.04.2020, which are eligible for restructuring as
per RBI guidelines
Accounts opened after 01.01.2016 are not eligible
LOAN
(620/22)
50% of the promoter contribution (equity plus debt) or Rs 75 lakh
whichever is lower.
Borrowers who had earlier availed 15% of the promoters’ stake are
allowed to avail additional 35% of the promoters’ stake, provided the
overall max benefits availed under CGSSD does not exceed ₹75 lac
security Loan will have 2nd charge of the assets financed under existing
facilities for the entire tenor
REPAY 10 years. Moratorium of 7 years (Maximum) on the payment of
principal. Till the 7th year, only interest will be paid. Principal shall
be repaid within a max of 3 years after completion of moratorium
GUARANTE 90% guarantee coverage CGTMSE and 10% from concerned promoter
Promoters are required to bring in 10% of the sub-debt amount as

 Loan Guarantee Scheme For Covid Affected Sectors (LGSCAS) – 31.3.23
Sanctioned under the same during the period from May 07, 2021 till
March 31, 2023 or till guarantees for an amount of Rs. 50,000 crore are
issued under the scheme, whichever is earlier (560/22)
ELIGIBILI
TY
Brownfield and Greenfield projects pertaining to setting up of/
modernization/expansion of COVID related healthcare infrastructure and
services in the NON-METROPOLITAN areas (i.e. other than Ahmedabad,
Bangalore, Chennai, Kolkata, Mumbai, New Delhi, Hyderabad and Pune)
under credit guarantee coverage of M/s. NCGTC
75% in case of eligible Greenfield projects in any area & eligible
Brownfield projects in aspirational districts and
50% in case of eligible Brownfield projects in areas other than
aspirational districts
GUA FEE No guarantee fee will be charged by M/s. NCGTC
LOAN Rs 100 crore upto Moderate Risk (FB + NFB)
ROI 7.95 % FIXED
Collateral
securities
20% in eligible Greenfield & brownfield projects in aspirational districts
40% in respect of eligible brownfield projects in other districts
Last date of first disbursement of loans sanctioned under the scheme
shall be within 3 months of sanction of facility (560/22)

 Loan Guarantee Scheme for the Covid Affected Tourism Service Sector (LGSCATSS)
100 % guaranteed facility
ELIGIBLE Registered Tourist Guides (recognized/ approved by M/o Tourism and
State Govts/ UT Administrations), and Travel & Tourism Stakeholders (i.e.
Tour Operators/ Travel Agents/ Tourist Transport Operators)recognized/
approved by the Ministry of Tourism, GOI
Can be availed by the eligible beneficiaries, only if there are no
outstanding loans covered under ECLGS scheme of NCGTC
VALIDITY 31st March,2023, or till guarantees for an amount of Rs.250 cr are issued
under the scheme, whichever is earlier.
WCTL to finance WC requirements and for discharging of existing
liabilities) or
Term Loans to finance new asset creation for business purpose like
cycles, cameras, laptops, computers, transport vehicles etc.
LOAN WCTL – Rs 1 lac to Regd Tourist guides/travel or tourism stakeholders &
Upto 10 lacs to our existing borrowers enjoying WC with our Bank.
Upto Rs. 25,000 under the stipulated ceiling on declaration basis only.
TL upto Rs. 1 lakh to the eligible tourist guides & Upto Rs. 10 lakhs to
Travel & Tourism Stakeholders for asset creation
ROI Fixed rate 7.95 %
Repay 5 years from the date of first disbursement, including moratorium

 MSME PRODUCTS AND SCHEMES APPLICABLE PAN INDIA
 Canara Vyapar Scheme :
 Purpose : WC requirements of the party and for Purchase of Premisesfor conducting
business,equipments, computers, furniture, fixtures, undertakingexpansion, additions,
repairsand renovation of businesspremises
 FB & NFB or combination includingTL : MAX : 10 CRORES
 Product Code : WC-285 TL-621
 Canara Udyog : Provide credit to MSME in Manufacturing Sector and Ancillary Business.
 LOAN : WC and/or Term Loan :
 Min: Above Rs. 10 lacs
 Max: Rs. 10 Cr
 Margin : 20%

 Doctor’s Choice :
Purpose : To address variouscredit needs of the RegisteredMedical Practitioners
practising Indian, Unani, Homeopathic, Allopathic as well as their associatebusiness
activities/centres (viz., Clinical/PathologicalLaboratory,Physiotherapy centres, Inhouse
Drug/MedicalStores
 Loan : TL and WC
 Max loan : 5 crores
 Product Code : WC- 280 TL – SERVICES- 614
 Canara Contractor : For Purchase of brand new equipment/office premisesto the existing
and prospective contractors/sub-contractors
 LOAN : WC (FB/NFB) in the formof running limit (Secured OD), FLC/ILC & BG for WC needs
and Term Loan
 Min: Above Rs. 10 lacs
 Max: Rs. 10 Cr

 Canara Smart Professional:
Purpose : Credit to MSME professionals for purchase/constructionof office premises
/acquisitionof machineries /equipments/furniture/ fixtures, includingexpansionand
modernizationof the existing unit
 Loan : TL and WC (SECURED OD) OR COMPOSITE LOAN
 Max loan : Rs. 200 lakhs in case of Urban & Metro centers
 Rs. 50 lakhs in case of other centers
 Scheme is 81500.
 MSME Can BEML: purchaseof Earth moving, construction and mining operation
equipment from M/S BEML by way of Term Loan
 LOAN : Term Loan
 Min: Rs. 20 lakhs
 Max: Rs. 3OO LACS

 Canara MSME Expo:
Purpose : Loan to exporters in MSME sector for purchase of software/hardware for fashion
designing, travellingabroad for business purpose, participation intrade fairs, exhibitions
aboard or International TradeFair
 Loan : TL
 Max loan : Rs.50 lakhs
 Scheme is 70870.
 Canara Caravan: Purchase of brand new vehicles as businessassets/ businesspurpose
only. (Two wheelers, Passengercars/vans/Jeeps)Goods carriersare not eligible
 LOAN : Term Loan
 QUANTUN : 90% of the “On Road Cost” value OR Average of last 3 years Net Profit
Whichever is lower, with a maximum of Rs. 25.00 lakhs
 “MSME Vahan” scheme is 65570

 Canara MSE Vijeta (II)
Purpose : Credit to meet businessrelated needs including purchase/construction of
businesspremises,machinery, equipments, vehicles and WC requirementsof women
under MS Enterprisesincluding Retail Trader
 Loan : TL AND/OR WC
 QUANTUM : 10 Lacs to Rs. 200 lakhs
 Scheme is 65590
 Mudra Canara Athithi : For purchase of equipments requiredfor setting up of business
 LOAN : TL AND/OR WC
 QUANTUN : MAX 10 LACS
 scheme is - 92200

Canara MSME Gold Loan
Purpose : Loan to MSME units (Individuals and ProprietorshipFirm only) against Gold
Ornaments/ Jewellery held in the name of Individual /Proprietorrespectively, for fund
based requirementsfor general businesspurpose & augment WC, acquiring machinery/
equipment/ tools for repairs,renovations etc
 Loan : Overdraft (OD) or Demand Loan (DL)
 QUANTUM : MINIMUM : 1 Lac MAX : Rs. 35 lakhs
PRODUCT CODE : 215 (OD), 709 (DL)
 Standby credit for capital expenditure of MSMEs: To meet unforeseen/contingent
requirementfor acquiringfixed assets like, generator set, balancingequipments,
replacement of existing machinery items, tools, moulds, jigs etc, to maintain production
and /or to acquire necessaryequipments/machineryfor modernizationof the unit
 LOAN : TL
 QUANTUN : 25 % of the original value of the existing P & M subject to maximumRs.25 Lacs
 scheme is - 96900

Standby term loan scheme for Apparel exports in Small and Medium sectors
 Purpose : Loan to Export customers havingregular credit limits and havingsatisfactory track
record with the Bank for at least past 3 years (under sole banking / multiplebanking
arrangements/ consortium arrangements) for Apparel Exports
 Loan : Stand-by Term Loan
 QUANTUM : Maximum limit of Rs. 100 lakhs
 Scheme Code : 97000
 Loan scheme for reimbursementof investmentmade in fixed assets by MSMEs : Capital
expenses incurredtowards creation/acquisitionof fixed assets (other than L & B) during
the immediatelypreceding 6 months maybe reimbursed.
 LOAN : TL
 QUANTUN : Rs. 50 lakhs for new machineryand maximumof Rs.15 lacs for 2nd hand
machinerywhich is not more than 2 years old fromthe original date of purchase
 Scheme is - 97100

Loan scheme for providing Risk Capital assistance
 Purpose : Assistthe deserving MSMEs in the formof quasi equity on need basis.
 Loan : Term Loan
 QUANTUM : MinimumRs. 25 lakhs and maximumof Rs. 10 crores
 Scheme Code : 64600
 Laghu Udayami credit card scheme : Loan to meet the WC requirementof Artisans,village
industries,micro and small enterprisesincluding tiny units to all existing small borrowers.
 Eligibility : Borrowersshould have satisfactorydealings with us for the last 3 years
 LOAN : WC
 QUANTUN : Rs. 10 lakhs
 Product : 255

 Area Specific Schemes. Valid till 31.3.2023
Financing ARTHIYAS (Commission Agents) in the State of Punjab & Haryana -
Chandigarh & Karnal Circles : SOD – Min : Rs. 10 lacs and Maximum Rs. 200 lacs.
 Financing Automotive Components Manufacturers –Chennai & Pune Circles : FB &
NFB limits with Minimum loan Rs. 25 lakhs and Maximum upto Rs. 50 Crores
 Canara MSME Textiles scheme - Ahmedabad, Bhopal, Chandigarh, Chennai, Jaipur,
Karnal, Madurai, Mumbai, Lucknow, Pune, Kolkata Circles : Rs. 10 lakhs to Rs. 50
Crores (FB/NFB).
 Financing MSMEs engaged in both Ceramic and Vitrified Tile Industries - Ahmedabad
Circle :. Rs. 10 lakhs to Rs. 50 Crores. However, TL component not to exceed Rs.30 Cr .
 Financing Marble, Granite, Mineral and Mineral Powder Industries - Jaipur Circle :
Min Rs. 10 lakhs and Max -Rs. 25 crores for MFG and Rs. 10 Cr for service units.
 Financing to MSME- Service Enterprises having tie up with M/s Oil India Limited and
Oil & Natural Gas Corporation (ONGC) Limited – Guwahati Circle – MAX 2 CR
 Financing Handloom and Handicraft Industries - Jaipur Circle : Min Rs. 10 lakhs and
Max -Rs. 25 crores for MFG and Rs. 10 Cr for service units


 Area Specific Schemes. Valid till 31.3.2023
 Indira Gandhi Urban Credit Card scheme – Jaipur Circle : Rs. 50,000/- to Urban street
vendors belonging to SC, STs and OBC.
 Canara Iron and Steel Industries – Bhubaneswar Circle (Sambalpur Region) : Rs. 10
lakhs to Rs. 50 Crores. (However, the maximum quantum of the WC shall not be more
than Rs. 25 crores.
 Financing manufacturing units engaged in Metal Fabrication and casting works –
Bhopal (state of Chattisgarh) : Above Rs. 25 lakhs to Rs. 50 Crores
 Mukhyamantri Udyam Kranti Yojana – Bhopal Circle : Projects ranging from Rs. 1
lakh to Rs. 50 lakhs for manufacturing units and Rs.1 lakh to Rs. 25 lakhs for service
units or retail trade businesses for setting up of new units .

396/22 : CANARAMSME CAP (CREDIT AGAINST PROPERTY)SCHEME FOR FINANCING MSME
Target MSME (Manufacturing/Service) (Excluding Educational /SHG/JLG )
ELIGIBILITY Individuals/Proprietary/Traders/Businessman/Professionals or self
employed Partnership firm(other than partnership firms where HUF is
partner) Company (excluding NBFC)
Min loan ABOVE Rs 10 LACS (FB/NFB)
MAX LOAN MANUFACTURING- RS 20 CRORES) & SERVICE - RS 10 CRORES
MARGIN WC AND TERM LOAN - 20 % & NFB – 25%
Repayment Working Capital (256 AND 261) – Tenable for 12 MONTHS.
Term Loan (766 AND 768) - Maximum 10 years including moratorium
Valuation
Report
1 panel valuer to be obtained for loans extended upto Rs. 2 Cr. and
2 panel valuers for loan extended above Rs.2 Cr (Least value consider)
Upto Moderate risk accounts only to be financed
Not eligible to be covered under CGTMSE
0.50 % concession to women and NE States concessions not to be extended
No liquidity premium is applicable for term loans under the scheme.
50% of the applicable upfront fee/ processing charges.
Fresh valuation once in 3 years
Submission of Stock Statement and Inspection of stocks : Quarterly
STOCK AUDIT : Low & Normal Risk Rated Accounts: Waived upto Rs. 5 Cr
Stock audit : Moderate Risk Rated Accounts: Every Year
Properties of CLOSE RELATIVES & BROTHER IN LAW/SIS IN LAW/FATH IN LAW/AUGHTER IN LAW
can also be accepted

 MSME CAP : SECURITY : L & B AND APPROVED SECURITIES (10 YEARS POSTAL SAVINGS)
Urban & Metro Properties 100% of the loan amount for MFG units
125% of the loan amount for service sector units
Semi-Urban Properties 125% of the loan amount for MGF units
150% of the loan amount for service sector units
VACANT SITES VACANT LAND UPTO 25% OF ACCETABLE SECURITY
Select Rural Properties located close to Metro/Urban/Semi Urban centres:
At least 150% of the loan for both MFG units and service sector units subject to :
Located within 20 kms radius from nearby Metro/Urban city.
Located within 10 kms radius from nearby Semi-Urban city
Unit should be functioning in that property or used for the said business
Approvals relating to conversion as industrial area/commercial land to be available
Enforceability of underlying security has to be confirmed
Clearance from RO Head CO CAC for proposals falling below RO HEAD CAC
Clearance from Circle Head CO CAC for proposals falling RO HEAD CAC & above
DOP : Beyond Rs 25.00 Lakh or branch DOP whichever is less (i.e. in case of Small,
Medium, Large and VLB branches) shall be handled by MSME Sulabhs.
In respect of properties which are less than 1 year old, valuation of the property
shall be taken as “Sale deed value” or “Guideline value” whichever is HIGHER
Tenanted property shall be avoided

 396/22 : CANARAMSME CAP –
 Vacant land may be accepted as security upto a maximum of 25% of the
permitted security comfort (in terms of value), provided it has clear
demarcation and boundaries with approaching roads &
 it is Allotted by any government / Statutory body or
 Acquired by Govt for development of any industrial/residential/ commercial
purpose or
 Entity has been permitted by the Govt / statutory body for acquiring the same
for industrial / residential purpose or
 Land usage change has been permitted by competent authority or
 it has been taken as collateral security for the proposed facility
 Valuation of such properties shall be done on following lines
 90% of the acquisition cost as per registered sale deed may be considered as
cost of land, if acquired within immediate preceding one year.
If the land is acquired/ purchased beyond preceding one year, 75% of the Fair
Market Value assessed by the Bank’s approved Valuer should be taken as value
of the land.

 91/22 canara MSME CAP scheme – Modificationsin existing ROI Guidelines (Export Credit)
 PRE-SHIPMENT CREDIT (Including Gold Card Exporters)
 Upto sanctioned period (including extensions) but not exceeding 270 Days from date of
advance.:RLLR + 0.10 %
i. Beyond sanctioned period (includingextensions) and upto 360 daysfrom date of advance
:ECNOS
ii. Beyond 360 daysfrom date of advance, if shipment takes place :ECNOS from the date of
advance

 91/22 : CANARAMSME CAP –Modificationsin existing ROI Guidelines (Export Credit)
 POST -SHIPMENT CREDIT (Including Gold Card Exporters)
 a)On Demand Bills
 i) for Normal Transit Period (NTP) (as specified by FEDAI) :RLLR + 0.10 %
 ii) Beyond NTP
 - upto 180 daysfrom the date of advance :RLLR + 1.35 %
 - from 181st day till date of realisation/crystallization :RLLR + 2.60 %
 iii) Beyond date of crystallizationtill date of recovery : ECNOS
 (b) Against Usance bills:
 Upto NotionalDue Date(NDD) or Actual Due Date whichever is earlier but not exceeding
180 daysfrom the date of advance : RLLR + 0.10
 Beyond NDD/Due Date
- upto 180 daysfrom the date of advance: RLLR + 1.35
 -from 181st day till date of realization/crystallization : RLLR + 2.60
 Beyond date of crystallization till dateof recovery : ECNOS

 618/21 18.09.21 & 543/22 : CANARA GST scheme - Modificationsin scheme guidelines

Target Group MSME (Manufacturing/Service) Product 2000 for WC. Scheme 95500
ELIGIBILITY ➢ New customers with minimum business operation of 6 months and
existing customers shall be brought under the scheme.
➢ Upto Moderate risk accounts only
➢ GST Return of minimum for the past 6 months.
➢ At least 75% of turnover reflected in GST return should have been
routed through the Bank account
Minimum loan Rs 10 lacs (WC - FB/NFB)
MAX LOAN Rs.10 Crores (543/22)
MARGIN NIL Current Ratio: Minimum 1
Assessment : ➢ Maximum of 25% of the annual T/O as per GST Return with NIL Margin
➢ In case of non-availability of preceding 12 months annual GST Return, past 6
months returns shall be considered to arrive annual turnover (2 times of the
past 6 months turnover).
➢ Assessment of the WC limit is based on GST return and not based on financial
papers
➢ However financial papers to be obtained
Collateral 75% of the loan amount –RSA can permit
50 % TO 75% BY CIRCLE HEAD CAC and above (but only MFG units)
Proc charges 50% of the applicable processing charges
Penal
Interest
If T/O is between 50% to 74% compared to GST return : 0.25%

 GST : RURAL SECURITY
Select Rural Properties located close to Metro/Urban/Semi Urban centres:
At least 150% of the loan for both MFG units and service sector units subject to :
Located within 20 kms radius from nearby Metro/Urban city.
Located within 10 kms radius from nearby Semi-Urban city
Unit should be functioning in that property or used for the said business
Approvals relating to conversion as industrial area/commercial land to be available
Enforceability of underlying security has to be confirmed
Clearance from RO Head CO CAC for proposals falling below RO HEAD CAC
Clearance from Circle Head CO CAC for proposals falling RO HEAD CAC & above
OTHER POINTS :
In respect of properties which are less than 1 year old, valuation of the property
shall be taken as “Sale deed value” or “Guideline value” whichever is HIGHER
Properties of CLOSE RELATIVES & BROTHER IN LAW/SIS IN LAW/FATH IN
LAW/AUGHTER IN LAW can also be accepted
Fresh valuation once in 3 years
TENANTED PROPERTIES MAY BE ACCEPTED
NOT ELIGIBLE TO COVER UNDER CGTMSE
STOCK STATEMENT : HALF YEARLY
STOCK AUDIT : WAIVED INCLUDING TAKE OVER

 543/22 : CANARAGST– Vacant land maybe accepted as security upto a maximumof 25%
of the permitted security comfort(in terms of value), provided it has clear demarcation
and boundarieswith approachingroads &
 it is Allotted by any government / Statutory body or
 Acquiredby Govt for development of any industrial/residential/commercialpurpose or
 Entity has been permitted by the Govt / statutorybody for acquiringthe same for
industrial/ residential purposeor
 Land usage change has been permitted by competent authority or
 it has been taken as collateral security for the proposedfacility
 However, valuation of such propertiesshall be done on following lines:
 90% of the acquisition cost as per registered sale deed maybe consideredas cost of land,
if acquired within immediate preceding one year.
 If the land is acquired/ purchased beyond preceding one year, 75% of the Fair Market
Value assessedby the Bank’s approved Valuer should be taken as value of the land.

PRUNING DOWN THE
LIMIT DUE TO
REDUECTION IN T/O
IN SUCCEDING YEAR
If decrease in succeeding year : limit to bring down to 25% of GST
➢ Gradual reduction may be permitted in max 6 months subject to
50% reduction in limit with IN 3 months.
➢ 2% PENAL INTEREST for overdrawn position on non compliance of
above condition beyond the grace period of 3 months

 92/22 : Canara GST scheme – Modificationsin existing ROI Guidelines (Export Credit)-
Reductionin ROI applicableto Export Credit facilities(in INR) under “CANARA GST Scheme
 PRE-SHIPMENT CREDIT (Including Gold Card Exporters)
 Upto sanctionedperiod (includingextensions) but not exceeding 270 Daysfrom date of
advance.:RLLR + 0.10 %.
i. ii. Beyond sanctioned period (including extensions) and upto 360 daysfrom date of advance
:ECNOS
ii. iii. Beyond 360 days from date of advance, if shipment takes place :ECNOS from the date of
advance

 92/22 : CANARAGST –Modificationsin existing ROI Guidelines(Export Credit)
 POST -SHIPMENT CREDIT (Including Gold Card Exporters)
 a)On Demand Bills
 i) for Normal Transit Period (NTP) (as specified by FEDAI) :RLLR + 0.10 %
 ii) Beyond NTP
 - upto 180 daysfrom the date of advance :RLLR + 1.35 %
 - from 181st day till date of realisation/crystallization :RLLR + 2.60 %
 iii) Beyond date of crystallizationtill date of recovery : ECNOS
 (b) Against Usance bills:
 Upto NotionalDue Date(NDD) or Actual Due Date whichever is earlier but not exceeding
180 daysfrom the date of advance : RLLR + 0.10
 Beyond NDD/Due Date
- upto 180 daysfrom the date of advance:RLLR + 1.35
 -from 181st day till date of realization/crystallization : RLLR + 2.60
 Beyond date of crystallization till dateof recovery : ECNOS

 629/21 22.09.21 : Mandatoryobtention and updation of ‘Udyam Registration Certificate’
details in CBS (under CIM22 option) in respectof all eligible MSMEs –

 URC detailsof all the eligibleMSMEs for strict adherence and accomplish completionof
the same on or before 31.10.2021
 679/21 13.10.21 : Weavers Mudra Scheme–Promptand timely sanctioning, claiming of
Margin Money subsidy, Interest Subsidy and Guarantee Fees/AnnualService Fees of
CGTMSE/CGFMU through online “Handloom Weavers Mudra Portal”

 MSME proposals upto Rs. 5.00 lakhs is to be sanctioned within 15
days


 630/21 22.09.21 : MSME SUGAM scheme for lending under Origination Tie-ups

Target Group Micro and Small Enterprises (Manufacturing/Service)
ELIGIBILITY
NOT ELIGIBLE
Individuals, Proprietorship, Partnership Concerns, LLP
, Pvt Ltd Company
are eligible. GST registered borrower (where ever applicable)
New/Existing Customer with Business operation for minimum 1 year.
Individuals/units whose risk rating is upto Moderate Risk under IRR
Partnership Firms with HUF as one of the Partners, Educational
institutions, SHG, JLG are not eligible.
Existing customer with SMA 2 during the last FY are not eligible.
WC facility under the scheme may not be extended to customers who
are already enjoying WC Facilities in any form with our Bank or other
Banks
Purpose To meet WC/Asset creation requirements
Nature of
Facility
WCTL (to finance WC requirements/cash flow mismatch)
Term Loan (to finance new asset creation)
QUANTUM WCTL – Maximum upto Rs. 5 lakhs
Term loan – Maximum upto Rs. 10 lakhs
Agg. exposure per borrower under the scheme not to exceed Rs10
lakh
SECURITY CGTMSE coverageApplicable

 630/21 22.09.21 : MSME SUGAM scheme for lending under Origination Tie-ups

REPAYMENT WCTL: Minimum - 12 months; Maximum - 60 months
Term Loans: Minimum - 12 months; Maximum - 84 months (including
maximum moratorium period of 3 months)
All loans under the scheme to be repaid in EMI
ROI RLLR + 2.50% p.a. (No Liquidity Premium to be added additionally)
MARGIN 20%
Assessment For WCTL : LOWER of the following may be permitted
3 Times of the Cash accrual as per the latest Financial Statement/
ITR, subject to DE Ratio Not more than 4:1 , DSCR Should not be
below 1 during the tenure of the loan
OR
Working Capital requirement as assessed under Turnover method.
For Term Loan : 3 times of the cash accrual as per the latest Financial
Statement/ ITR, subject to DE Ratio Not more than 4:1 DSCR Should
not be below 1 during the tenure of the loan
Disbursemen
t
In lump sum or in Maximum 3 tranches
Product Code 753- For loans under Fin-tech arrangement

 691/21 25.10.21 : “NATIONAL PORTAL” – A SINGLE PLATFORM FOR ALL CREDIT LINKED
GOVERNMENT SCHEMES

 Developed by Online PSB Loans Ltd.
 URL for National Portal is: www.jansamarth.in/home

 Schemes to be included on National Portal:
 Phase I:
 Education schemes:CSIS, Padho Pardesh,Dr.Ambedkar CSISOBCEBC
 Housing schemes:PMAY
 Agriculture infrastructureschemes:ACABC, AMI, AIF
 Livelihood schemes:NRLM, NULM
 Business activity schemes: PM SvaNidhi, Stand-up India, Mudra, PMEGP, Mudra Weaver,
SRMS
 (*PM SvaNidhi & *PMEGP will be covered on integration of National Portal with portal
being developed by SIDBI & KVIC)
 Phase II:
 State Government Schemes

 227/22 : CGTMSE- Additional guidelines and clarificationof existingguidelines.
 Additional guidelines: Wholesale Trade and Educational/TrainingInstitution are included
as eligible activities under Credit Guaranteescheme of CGTMSE.
 Clarificationof existingguidelines:
 There is no stipulation of maximum loan limit under Hybrid/Partial CollateralSecurity
Model of CGTMSE.
 In respect of coverage of WC limits, present/expected outstandingis requiredto be
updated by the Bank (subject to maximumof guarantee amount) every year for
calculation of fee on outstandingbasis
 228/22 : CMR (CIBIL MSME RANK) guidelines linked to delegation of powersfor MSME
loans above Rs. 10 lakhs to Rs. 10 Crores - Enablingof a new functionality under
TransUnionCIBIL’s commercialbureau portal for generating CMR reports w.e.f.01.04.2022
 CMR may be fetched in applicablecases, while drawing CIBIL’s Commercial CIRs (Credit
Information Reports), by selecting the checkboxenabled for generationof the same.
 Branches shall opt for generation of CMR only in eligiblecases, i.e. while sanctioning
MSME credit facilities(existing/new) with aggregate Loan quantum(Present & Proposed) of
above Rs.10 lakhs and upto Rs.10 crores.

 283/22 : AUTOMATION OF EXTERNAL CREDIT RATINGs (ECRs)UPDATION IN CBS
 it is to be noted that manual feedingof ECRs under Fast Path BA189 has since been disabled
for branches, as ECRsare updated on a daily basis centrally in CBS through API
 345/22 : Revised Definitionof MSME – Additionalguidelinesin respect of obtentionand
updationof Udyam RegistrationCertificate (URC) detailsof MSMEs
 Existing EM Part II & UAM of the MSMEs obtainedtillJune 30, 2020 shall remain valid till June
30, 2022 for classificationas MSMEs.
 URC details shall be updated in CGTMSE portal also, wherever possible, while submitting the
applicationfor Guarantee
 Branches shall mandatorilyobtain and update the URC detailsin CBS (under CIM22 option)
and also incorporate such details in the ‘Common Appraisal Memorandum’while appraising
renewal and/orfresh/additionalexposure proposalsof MSMEs
 384/22 : Processing/Upfrontcharges for Mudra Loans financed under ‘Shishu’ and ‘Kishore’
Categories stands waived w.e.f. 07.07.2022. (Tarun’ shall continue as per guidelines.)

 435/22 : Disbursementof MSME Term Loans – Reiteration of existingguidelines.
 DisbursementRequest Format for Loans NF – 1024 shall be obtained invariablyand a
letter should be obtained fromthe borrowerauthorizingthe bank to releasethe funds to
the supplierand the payment should be made directly to the vendor only along with the
sanctioned margin from the borrower.
 436/22 : Automationof collection of Commitment Charge (Corporates > FB/NFB : 10 CR)
New screen LNX21 (Commitment Fees DisbursementSchedule Details) is introduced for
maintainingthe disbursementschedule for term loans
 Manually collection for customersenjoying NFB facilities
 Accounts marked for waiver of commitment charges in screen BX202.
 Levy of commitment charges is not applicable in the following cases:
➢ --Limits sanctionedto sick / weak units.
--Limits sanctionedfor Export credit (both pre-shipment and post-shipment)
--Short term credit facilities linked to market benchmarks like MIBOR, (as put and call
option with 24 hours’ notice is available)
--Inland Bills extended by way of Bills Purchased/Discounted,Credit Limits granted to
Commercial Banks, FinancialInstitutions,CooperativeBanks, RRB's

 454/2022 : REPHASEMENT/RESTRUCTURING/RESCHEDULING OF ACCOUNTS – ADVISORY
TO ALL THE BRANCHES, ROs AND Cos
➢ ONLY PERMISSIBLE REPHASEMENTS/RESCHEDULING/RESTRUCTURINGto be done through
CBS as per Bank/RBI IRAC scheme guidelinesduly backed by supporting documents with
concurrence of sanctioning authority
➢ LNX25/ALX25 optionsallowsthe Branch to Restructure/Reschedule the account with or
without Capitalisation ofarrears
 Branches should not resort to capitalizationof arrearswhile switching over to RLLR r
 469/22 : New Product Code-2000 For Opening Of MSME WC Limits (OD/OCC)in CBS/LAPS
Sl No. Product Code
1 215
2 255
3 275
4 280
5 285

 513/22 : MSME Sulabh – Modification of guidelines on:
 MSME Sulabhs to handleall fresh and enhancement of MSME loan proposals(Except Loans
against Deposit/Approved Securities and Gold Loans) beyond cumulative cut off limits of
Rs 25.00 Lakh or branch delegated power whichever is less in case of Small, Medium, Large
and VLB branches.
 RecommendingAuthoritiesfor Sulabh power proposals:
 1. Processing Officer of Sulabh
 2. Section Head of Sulabh
 3. Concerned Branch Head
 RecommendingAuthority for above Sulabh power ( RO/CO/HO) proposals:
 1. Processing Officer of Sulabh
 2. Section Head of Sulabh
 3. Concerned Branch Head
 4. Sulabh Head

539/22 : Introduction of M/s NADL (NeSL ASSET DATA LIMITED) as an Account aggregator
541/22 : LOANS AND ADVANCESAGAINST SHARES/DEBENTURES:REVISED LIST OF COMPANY
 No fresh loans/advances shall be granted against securities held in materializedform.
 No fresh loans shall be granted against securities which are not appearingin the approved
list
 Companieswith external rating of “A” and above are only considered in the approvedlist
 In the cases where loans/advancesare outstandingagainstthe security of shares/
debentures of those companies which are not appearingin the present consolidatedlist
branches shall initiatesteps to get the related accountsregularized either by way of
substitution with shares/debenturesof Companies (As per Annexure-I) of adequate value
or by way of recovery within 3 months from the date of this circular.
 Circle head level CACs i.e., CGM/GM-CO-CAC/DGM-CO-CACis empowered to permit further
extension of time of not more than 3 months for the Substitution, if required
 Branches are advised to review the loans against shares/debenturesat least on a fortnightly
basis to ensure adequacy of margin

 571/22 : Introduction of a New ProductCode- 2001- MSME- SHG OD OCC & 637 – SHG-TL.
 649/22 : ECAIRated Accounts –
 External Credit AssessmentInstitutions (ECAI) Rating will only be applicablefor Risk
Weightage and Pricing of Loans & Advances purpose when Press Release (PR) issued by
ECAI contains Bank’s name and the CorrespondingCredit Facilities.
 ECAIrating without above disclosurewill be treated as unrated and will attract risk
weights of 100 % or 150 % instead of applicable 20 % on Credit Risk Weighted Assets
Computation.
 660/22 : CONSOLIDATED GUIDELINES ON CANARAEASY EQUIPMENT FINANCE (CEEF)
 Existing clients/New clients who are rated AAA/AA/Aor up to CNR V Low Risk-III –
MINIMUM 10 LACS & MAX 100 CR
 Other Existing/New Clientswho are rated BBB/BB or CNR VI Normal/CNRVIII
ModerateRisk- MIN 10 LAC & MAX 50CR
 Line of Credit: 20% of the regular sanctioned workingcapital limits (FB + NFB) to our
existing clients only who are having one year of satisfactorydealing with us subject to a
maximum amount of Rs.25.00 crores

 584/22 : Automation of Credit related Service Charges
 Collectionof Service Charges for issuance of SolvencyCertificate, CapabilityCertificate,
Modification ofTerms & Conditionsof Sanction, NOC in respect of exposuresof Rs. 1 crore
& above and Waiver of Project Appraisalis automated
 Solvency Certificate
 Capability Certificate
Solvency Certificate issued Applicable Charges
Upto Rs.1. Lakhs Rs.750/
Rs1Lakhs to Rs.25 Lakhs Rs.3000/-
Rs.25 Lakhs to Rs.50 Lakhs Rs.6000/-
>Rs.50 Lakhs 0.10% of the solvency certificate amount, minimum of
Rs.60000
Capability Certificate issued up to Applicable Charges
Upto Rs.5 lakh Rs 500
Above Rs.5 lakhs Rs.100/- per lakh subject to a
maximumof Rs.1,500/-
Additional capabilitycertificatein respect of the same
student for applyingto other Universities/same
university within 12 months from the issue of original
capabilitycertificate
Rs 100/- Per certificate

 584/22 : Automation of Credit related Service Charges
 Modification in Terms & Conditions of sanction
 NOC charges in respect of exposuresof Rs.1 crore &above
Sanctioned Amount Applicable charges (Per Instance
of modification)
Upto Rs 1 crore Rs 5,000/-
Above Rs 1 crore upto Rs 10 crore Rs 15,000/-
Above Rs 10 crore upto Rs 50 crore Rs 50,000/-
Exposure Charges applicable
Upto 10 crore Rs 1 Lakh
Above Rs.10 Crore and upto Rs.50 C Rs.3 lakh
Above Rs.50 Cr Rs.5 Lakh

 600/22 : Introductionof New Internal Risk Rating Model – “CIRM Hybrid Model” for
Domestic borrowershaving exposure above Rs. 2 Crore to Rs. 5 Cr WEF 1.10.22.
 Present CIRM model is assessedbased on Industry Risk, Business Risk, Financial Risk &
Management Risk.Weightage for Immovable Prime and / or immovablecollateral are
outside the purview of CIRM Model
 In view of the above, new internal risk rating model – CIRM Hybrid Model for borrowers
having exposure above Rs.2 crore to Rs. 5 crore has been introduced, wherein borrower
providingsufficient Immovable Prime and / or immovable collateral would be benefited.
Further, all the riskparametersunder this model are objective in nature which is not
influenced judgementally by the rating use
 Salient featuresof the CIRM HYBRID MODEL are as under:
 1.Applicablefor the Manufacturing, Trading, Services, Agriculture & allied activities
(wherever balance sheet is available)as under:
 New Borrower(except Greenfield projects) havingexposure above 2 Cr to 5 Cr
(irrespective of turnover).
 Existing borrowerhaving exposure above 2 Cr to 5 Cr (irrespective of turnover).

 600/22 : The model applicability is described as under
 15% haircuts will be applied, where immovableproperty is vacant landunder Security
Coverage Risk Parameter
 Risk scoring is in the range of 0 to 11 where score ‘11’ is low risk & score of ‘0’ is high risk
SI Borrower Category Existing CIRM Module NewCIRM HybridModel
1 Manufacturing Large Exposure Module & SME-Manufacturing
Module
CIRM Hybrid Model
will be applicable for
exposure above Rs.2
cr to 5 cr.
Note: For exposure
above Rs.5 crore
existing CIRM model
will continue
2 Trading Large Trader Module& Small Trader Module
3 Services Large Exposure Module& Services Module
4 NBFC NBFC Module
5 Real Estate Real Estate Module No Change –
Respective CIRM
Module will be
applicable for
exposure above Rs. 2
6 Broker Broker Module
7 Banking Bank Module
8 infra-Port, InfraRoad,
Infra-Power &
Greenfield Projects
Supervisory Slotting Module

 623/22 : AUTOMATION OF COLLECTION OF PROJECTAPPRAISAL CHARGES
Collection of Project Appraisal Chargeshas been automated in respect of all charges
related to Project Appraisalsundertaken by PAG / PAC with immediateeffect
 PROJECTAPPRAISAL FEES (AS PER CIR NO:50/2021
 VETTING FEES (AS PER CIR NO:50/2021)
Project Cost Schedule of Fees where Appraisal Report
is strictly for internal use
Schedule of Fees where Appraisal Report
is to be shared with the customer/ other
lenders
Rs.2Crore& above And up to Rs.10 Crore 0.50% of the project cost with minimum of
Rs.1 Lakh; maximum Rs.5 Lakh
1.00% of the project cost with minimum of
Rs.2 Lakh; maximum Rs.10 Lakhs
AboveRs.10 Cr and up to Rs.50Cr 0.40% of the project cost with minimum of
Rs.5.00 Lakhs; Maximum Rs.20Lakh
Rs.10.00 Lakhs; Maximum Rs.37.50 lakhs
Above Rs.50 Crore and upto 100 crore 0.35% of the project cost with minimum of
Rs.20 Lakhs; maximum Rs.35Lakhs
Rs.37.50 Lakhs; maximum Rs.60 Lakhs
Above Rs.100 Crore 0.30% of the project cost with minimum of
Rs.35 Lakhs Maximum of Rs.3 Cr.
Rs.60 Lakhs; Maximum Rs.5 Cr
NATURE OF CHARGES APPLICABLE CHARGES
Vetting of information Project Cost Charges
Memorandum/TEV report
prepared by other banks/
financial institutions (To be
collected upfront)
Rs.2 Crore& above and up to
Rs.10 Crore
Rs.50,000/-
Above Rs.10 Crore and up to
Rs.50 Crore
Rs 1 lakh
Above Rs.50 Crore and up to
Rs.100 Crore
Rs 2 lacs
Above Rs.100 Crore Rs 3 alcs

 631/22 : Introduction of a format “NF 1046 - CONSENTLETTER TO BE OBTAINED FROM THE
TENANT/sWHEREVER TENANTEDPROPERTIES ARE MORTGAGED AS SECURITIES
 Branch/Office shall ensure to issue notice to the tenant/sto vacatethe property after
taking Symbolic Possession of the same under the SARFAESI Act by giving 30 days notice to
the tenant/s, asking them to vacate the securedasset (i.e. the encumbered tenanted
property.
 733/2022 : Revised definition of MSME –Modification in existing guidelines
 In case of an upward change in terms of investment in plant and machineryor equipment
or turnover or both, and consequent reclassification,an enterprise shall continue to avail
of all non-tax benefits of the category (micro or small or medium)it was in beforethe
reclassification,fora period of 3 years from the date of such upward change

 647/22 : CREDIT GUARANTEE FUND FOR MICRO UNITS (CGFMU) –FOR PRADHAN MANTRI
MUDRA YOJANA (PMMY) AND SELF HELP GROUP (SHG).
 COVERAGE: Micro loans up to Rs 10 lakh under Manufacturing/Services sector including
retail trade and loansfor allied agricultural activities (Pisciculture, beekeeping, poultry,
livestock, grading, sorting, aggregation agro industries,diary, fishery, Agri clinics and
agribusiness centres, Food & agro processing, )are eligible.
 Prime MinisterJan Dhan Yojana (PMJDY) – RS 10000/- also covered (BANK PAYS)
 SHG loans between Rs.10 lakh and Rs.20 lakh on or after April 01, 2020
 CONDITION : NO COLLATERAL /NO GUARANTEE
 NOT COVERED : Purely agricultural activities (Crop loans, land improvementsuch as
canals, irrigation, wells)
 SHGs as defined by NABARD under 2 schemes of GOI : DAY-NRLM/SRLM and National
Urban Livelihood Mission or NULM.
 Coverage of account : Next Quarter


 647/22 : CREDIT GUARANTEE FUND FOR MICRO UNITS (CGFMU) –FOR PRADHAN MANTRI
MUDRA YOJANA (PMMY) AND SELF HELP GROUP (SHG).
 CGFMU Guarantee Fee (GF)/ Annual Service Fee (ASF) :
 Both TL and WC- GF/ASF is “1.00%+ Risk Premium”on the sanction amount.
 For SHG (Rs 10 –Rs 20 Lakh) TL accounts, GF is charged at “0.50%+ RP on sanction
 For SHG (Rs 10 –Rs 20 Lakh) TL accounts, ASF is charged at “0.50%+ RP O/S liability.
 For SHG (Rs 10 –Rs 20 Lakh) WC accounts, GF/ASF is at “0.50%+ RP on sanction
 The guarantee fee shall be charged on pro rata basis at the time of sanction (i.e.Year- 1)
and thereafter on annual basis for renewals.
 Uncovered W/C accounts can be covered : YES by submitting the required details in
Additional/Left out accountsformat in the subsequent quarter of renewal.
 Uncovered TL accounts can be covered : NO. can be covered under CGTMSE

 734/22 : Special benefit to Agniveers in terms of the following under CGTMSE, while
availing credit facilities from Bank after completion of 4 years of stipulated service tenor
in the Armed Forces.
 Charging of AGF at lower rate: Charged @ with Women Micro Enterprises and Units
covered in NE Region, as provided below
 Higher Extent of Guarantee Coverage
Credit Facility Annual Guarantee Fee (AGF) [% p.a.]*
Women, Micro Enterprises and Units covered in North
East Region, Agniveers
OTHERS
Up to ₹5 Lakhs 1.00% + Risk Premium as per Trust
₹5 Lakhs to ₹50Lakhs 1.35% + Risk Premium 1.50% + Risk Premium
50 LACS TO 200 Lacs 1.80% + Risk Premium
RT /Wholesale Trade (upto₹ 100 lakh 2 %+ Risk Premium
Category Maximum extent of Guarantee where credit facility
Up to ₹ 5 lakh 5 LAC TO 50 LACS 50 LAC to 200 LAC
Micro Enterprises 85% of the amount in default
subject to a maximum of ₹ 4.25
lakh
75% of the amount in default
subject to a maximum of ₹
37.50lakh
75% of the amount in default
subject to a maximum of
₹150 lakh
Women/ Units located in
NE Agniveers
80% of the amount in default subject to a maximum of ₹ 40 lak
RT/Whole sale (100 lac) 50% of the amount in default subject to a max of ₹ 50 lac
All other catego 75% of the amount in default subject to a max of ₹ 150 lakh

❖An enterprise is classified as micro, where the
investment in Plant & Machineries or
❖equipment does not exceed Rs. ______ and
turnover does not exceed Rs_______.
❖a. 1 Cr & 3 Cr
❖b. 1 Cr & 4 Cr
❖c. 1 Cr & 7 Cr
❖d. 1 Cr & 5 Cr
Answer is D
Terminal Questions

❖Which among the following is/are recommendation/s
of the Prime Minister's Task Force on MSMEs?
❖a. 60% of the total advances to MS Enterprises sector
as on preceding March 31st should go to Micro
Enterprises
❖b. Achieve a 10% year-on-year growth in credit to
Micro and Small Enterprises
❖c. Achieve 20% annual growth in the number of Micro
Enterprise accounts
❖d. All above
Answer is A
Terminal Questions

❖Maximum guarantee coverage by CGTMSE for
other than Retail and Wholesale trade is
________
❖a.Rs 50 lakhs
❖b.Rs 75 lakhs
❖c.Rs 100 lakhs
❖d.Rs 200 lakhs
Answer is D
Terminal Questions

❖In case of term loan, Annual Guarantee Fee for
CGTMSE is calculated on outstanding
amount as on _______ against each guarantee A/C
❖a.30th September
❖b.31st December
❖c.31st March
❖d.30th June
Answer is B
Terminal Questions

❖Obtention of mandatory CGTMSE Cover can be waived
for MSME loans above Rs.10 lakhs upto Rs.200 lakhs,
when the MSME borrower provides primary security
or primary and collateral security put together in the
form of land and building/ approved securities with a
minimum value of ………% of the sanctioned limit, in
addition to the security of assets created out of
Bank’s finance
❖a.50%
❖b.75%
❖c.100%
❖d.110%
Answer is b
Terminal Questions

❖CGFMU guarantees loans to eligible…….. units
under PMMY upto Rs ……. Lac without obtaining
any collateral or 3RD party guarantee.
❖a.Micro and small units, Rs 5 lakhs
❖b.Micro and small units, Rs 10 lakhs
❖c.Micro units, Rs 5 lakhs
❖d.Micro units, Rs 10 lakhs
Answer is d
Terminal Questions

 MICRO ENERPROSES TAGET IS ……. % of ANBC or
CEOBE (higher)
❖a. 7.5 %
❖b. 8 %
❖c. 10 %
❖d. 12%
Answer is D
Terminal Questions

 Bank may, on the basis of good track record and
financial position of the MSE units, increase the
limit to dispense with the collateral
requirement for loans up to Rs…..lakh based on
merits.
❖a. 25 lacs
❖b. 10 lacs
❖c. 100 lacs
❖d. 200 lacs
Answer is a
Terminal Questions

❖SHISHU category loans, i.e.,upto Rs.50,000 are
eligible for CGFMU guarantee cover if ROI
charged should not exceed ………% p.a
❖a. 10 %
❖b. 15 %
❖C. 7 %
❖d. 12%
Answer is D
Terminal Questions

 All proposals above Rs……. lakhs will have to be
rated internally and accounts with Risk Rating
upto Normal Risk only to be considered for
financing
❖a. 75 lacs
❖b. 100 lacs
❖c. 200 lacs
❖d. 50 lacs
Answer is D
Terminal Questions

➢ As per CGTMSE guidelines, the balance ……. % of
the guaranteed amount will be paid on
conclusion of recovery proceedings by the
lending institution or after ………. of obtention of
decree of recovery, whichever is earlier
❖a. 75% & 1 year
❖b. 25% & 3 years
❖c. 25% & 1 year
❖d. 75% & 30 days
Answer is b
Terminal Questions

 RBI has issued guidelines on framework of revival
and rehabilitation of MSME units having loan limits
upto Rs…………….
❖a. 10 crores
❖b. 100 crores
❖c. 25 lacs
❖d. 25 crores
Answer is D
Terminal Questions

 MSME CIBIL RANK is applicable when the
exposure of borrower is above …….. lakhs and
upto Rs…….Cr
❖a. 1 LAC & 1 Cr
❖b. 10 LAC & 1 Cr
❖c. 1O LAC & 10 Cr
❖d. 5 LAC & 5 Cr
Answer is C
Terminal Questions

 CIRM Hybrid Model (600/2022) : Applicable for the
Manufacturing, Trading and Services (wherever balance
sheet is available) for New Borrower (except
Greenfield projects) & Existing borrower having
exposure above ..... Cr to ……. Cr (irrespective of
turnover
 a. 2 Cr to 5 Cr
 b. 1 Cr & 5 Cr
❖c. 2 Cr & 10 Cr
❖d. 1 Cr & 10 Cr
Answer is A
Terminal Questions

 STAND UP INDIA Scheme was launched with a view to
promote entrepreneurship among ……………
 a. SC entrepreneurs.
❖b. ST entrepreneurs.
❖c. Women entrepreneurs.
❖d. All the above
Answer is D
Terminal Questions

❖Under (SCLCSS )Special credit linked capital subsidy
scheme of SC/ST MSEs are provided subsidy of …….%
(with the overall ceiling of Rs. …… lakhs on the subsidy
❖a. 15% & 15 lacs
❖b. 25% & 25 lacs
❖c. 25% & 15 lacs
❖d. 15% & 25 lacs
Answer is B
Terminal Questions

 In cases of limits are above Rs……. crore, a copy
of the passports of the Promoters/ Promoter
Directors and Guarantors to be mandatorily
obtained
❖a. 1 Crore
❖b. 10 crore
❖c. 3 CRORE
❖d. 5 CRORE
Answer is D
Terminal Questions

❖Canara Vyapar Scheme MAXIMUM LOAN’
❖a. 10 CR
❖b. 5 CR
❖c. 100 CR
❖d. 20 CR
Answer is : A
Terminal Questions

❖Canara MSME CAP Scheme MAXIMUM LOAN under
Manufacturing sector Rs ………..
❖a. 10 CR
❖b. 5 CR
❖c. 100 CR
❖d. 20 CR
Answer is : D
Terminal Questions

❖Canara MSME CAP Scheme MAXIMUM LOAN under
Service sector Rs ………..
❖a. 10 CR
❖b. 5 CR
❖c. 100 CR
❖d. 20 CR
Answer is : a
Terminal Questions

❖Canara GST Scheme MAXIMUM LOAN Rs ………..
❖a. 10 CR
❖b. 5 CR
❖c. 100 CR
❖d. 20 CR
Answer is : a
Terminal Questions

❖Vijetha Scheme MAXIMUM LOAN Rs ………..
❖a. 10 CR
❖b. 2 CR
❖c. 100 CR
❖d. 20 CR
Answer is : b
Terminal Questions

❖Doctor choice Scheme MAXIMUM LOAN Rs ………..
❖a. 10 CR
❖b. 2 CR
❖c. 100 CR
❖d. 5 CR
Answer is : d
Terminal Questions

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