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MSME
List of beneficiaries under CLCSS
Composite Loan Scheme
 
  Eligibility


Artisan, Village and Cottage Industries and Micro enterprises –Manufacturing units under the scheme irrespective of their location.

 
  Purpose


For equipment finance or working capital or both. The scheme also cover outlay on work sheds required by beneficiaries for carrying out their activities

 
  Quantum


Maximum Rs.100.00 lakhs.

 
  Margin

a) Upto Rs.25,000/-  Nil
b) Above Rs.25,000/- and upto Rs.25.00 lakhs  15% to 25% 
c) Above Rs.25.00 lakhs and upto Rs.100.00 lakhs As per Bank guidelines

                                                                             

 
  Security


Primary: Pledge/ Hypothecation/Mortgage of assets created out of the loan
Collateral: Nil up to Rs.10 lakhs
                For above Rs.10 lakhs-As per Bank policy from time to time

               
 
  Co-obligation/ Guarantee


Upto Rs.10 lakhs- Nil

Above Rs.10 lakhs- As per Bank policy from time to time
 
  Repayment


3 to 10 years with initial moratorium of 12-18 months

 
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Upset / Complaint / Grievance
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News & Events

AS A PART OF RISK MITIGATION MEASURE, DEBIT CARDS ISSUED AFTER 30-11-2013 ARE ENABLED FOR DOMESTIC TXNS ONLY. FOR FURTHER DETAILS PLEASE CONTACT OUR BRANCH.

You can now donate to Shri Saibaba Sansthan Trust, Shirdi through IMPS-Mobile Banking.

Presentation to Analysts

Our Total Income during 12M of FY’12-13 increased to Rs. 13,957 Crore, recording a growth of 14.4%.

Form 15G/15H has to be submitted afresh at the beginning of each financial year to avail exemption/concession in TDS. Quoting of PAN is mandatory for availing such exemptions/concessions.

All our Banks’ cheques are “payable at par henceforth. We request all our customers to surrender their old cheque books at their account branch and obtain CTS 2010 Standard Cheque books immediately.

We request all our customers who have issued postdated cheques for repayment of loan installments for loans availed by them to replace the old PDCs with new CTS 2010 Standard cheques.

Online Grievance Redressal System with Tracking

Online Applications for MSME and Retail Loans

Online Donations to charitable institutions through net banking

Online resetting of Internet Banking Login Password

Interbank transfer of Funds through Mobile Banking using IFSC code

Housing loans - festive offer: 100% waiver of processing charges and assured speedy processing, sanction within 5 working days.

As per RBI mandate, cash retraction facility is discontinued from our ATMs. Do not forget to collect cash before leaving ATM room.

Any customer could walk in to deposit money in any branch of the bank if the account is in any other branch of the bank to which he wants to deposit the money and there will be no charges on this for any amount

Fictitious Offers of Cheap funds from abroad - Awareness Campaign - List of Nodal Agency (Cyber Crime Cell / Economic Offence Wing)

Complain to Local Police/Cyber Crime Authorities against Fictitious Offers of Money from Abroad

PPF and SCSS schemes

Do Not fall Prey to Fictitious Offers of Funds Transfer

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