Schem for Delhi Agricultural Marketing Board 2014
Business Loan Scheme of Relocation of Industries-old
Scheme_1
Scheme_2
Scheme_3
Scope
Interest Rate Structure
Security Norms
Repayment
Processing Fee
Business Loan Scheme of Relocation of Industries
Security Norms

LOAN SECURITY NORMS For Industrial Loans

Loan Amount

Govt./Semi Govt  Employee  

Employees of  Public Ltd Company

Income Tax  Payee having PAN

FDR/NSC Govt. Securities

Immovable Property

Upto  Rs50000/-

Any two persons drawing minimum salary of  Rs5000/- per month

Any two persons drawing minimum salary of  Rs6000/- per month

Any two persons  paying I. Tax  upto Rs1400/- p.a. during last two years

25 % of loan amount

25 % of loan amount

Above Rs50000/- and upto Rs 2.00 Lakh

Any two persons  drawing minimum salary of  Rs7000/- per month

Any two persons drawing minimum salary of  Rs8000/- per month

Any two persons  paying I. Tax  upto Rs2500/-p.a. during last two years

25 % of loan amount

35 % of loan amount

Above Rs2.00 Lakh- and upto Rs 5.00 Lakh

Any two persons  drawing minimum salary of  Rs8000/- per month plus

FDR/NSCs equivalent to

 10 %  of loan exceeding

 Rs 2 Lakh

Any two persons drawing minimum salary of  Rs9000/- per month plus

FDR/NSCs equivalent to

10 %  of loan exceeding

 Rs 2 Lakh

Any two persons paying I. Tax  upto Rs4500/-p.a. during last two years plus

FDR/NSCs equivalent to 10 %  of loan exceeding

 Rs 2 Lakh

25 % of loan amount

35 % of loan amount

Above Rs5.00 Lakh and   upto   Rs 15.00 Lakh

Any two persons  drawing minimum salary of  Rs10000/- per month plus

FDR/NSCs equivalent to

10 %  of

loan amount.

Any two persons  drawing minimum salary of  Rs12000/- per month plus

FDR/NSCs equivalent to

10 %  of

 loan amount

Any two persons  paying I. Tax  upto Rs7000/- p.a. during last two years plus

FDR/NSCs equivalent to 10 %  of  

 loan amount

25 % of loan amount

40 % of loan amount

Above

Rs15.00 Lakh

a) In case of entrepreneurs who are setting high risk area unit first time or have got no experience of similar projects

-

-

-

50 % of

loan amount

100 % of

loan amount

b) In case of entrepreneurs who have got experience in running successfully similar projects in high risk category

            -

-

           -

35 % of

loan amount

50 % of

loan amount



1 Where the loan proposal is for acquiring fixed assets viz. land, building, plant & machinery etc., the prime security comprising land and building and others shall be mortgaged. However, possibility of obtaining additional collateral security may also be explored depending upon the merits of the loan proposal. If the loan is for plant & machinery only and land & building of the unit is already mortgaged, in such cases, the possibility of obtaining additional collateral security may be explored to cover working capital loans if any.

2 In the case of loan of Corporate sector, the personal guarantee of directors shall also be obtained.

3 The value of the immoveable property shall be got assessed from a panel valuer of the Corporation to the satisfaction of the Managing Director.

4 In case where working capital loan is more than term loan, the working capital loan, has to be fully secured by way of collateral security (value equivalent to the working capital loan) and term loan portion by usual guarantors as per norms.

5 All the legal, statutory and mandatory formalities for the mortgage of the prime / collateral security shall be got complied before disbursement of loan.

6 The collateral security offered for mortgage shall be situated in the National Capital Region of Delhi / UT of Chandigarh and its surrounding districts namely Mohali, Patiala, Punchkula, Kalka & Ambala be accepted for securing the financial assistance of the Corporation.

7 Guarantor shall not be of more than 50 years of age.

8 The residential address of the borrowers as well as guarantors besides being verified from relevant papers should also be checked by way of inspection, in all cases.

9 The guarantees including collateral should be taken against term loan and working capital components only under Non-SRTO cases. However, soft loan component (Equity Type Assistance Scheme of SIDBI) is also counted alongwith term loan for the purpose of taking security/guarantees in high risk area units.

10 No working capital loan/assistance shall be provided for High Risk Area Unit*.

* High Risk Project are like cyber café, computer software development/training, DTP, laser print, colour labs video camera, editing, equipments other electronics / telecommunication /IT based cases.

  LOAN SECURITY NORMS For Transport Loans

Sl. NoLoan AmountGovt. Semi Govt. Employee OREmployee of Public Ltd. Co. ORIncome Tax Payee having PAN No. ORFDR/NSC/ Govt. Securities ORImmo-veable Property

S1

Upto Rs.50,000/-

Any two employees  of above category with monthly salary of at least Rs.7,000/-

Any two employees   of above category with monthly salary of at least Rs.8,000/-

Any two paying IT upto Rs.1,400/- PA during last two years

25% of loan amount 

40% of loan amount + One Guarantor

S2

Above Rs.50,000./- and upto Rs.2.00 Lakh

Any two employees  as above with monthly salary of at least Rs.10,000/-

Any two employees  as above with monthly salary of at least Rs.12,000/-

Any two paying IT upto Rs.2,500/- PA during last two years

25% of loan amount  + One Guarantor of S1 category

75% of loan amount + One Guarantor

S3

Above Rs.2.00 Lakh and upto Rs.5.00 Lakh

Any two employees  as above with monthly salary of at least Rs14,000/- plus FDR/NSCs equal to 20% of loan exceeding Rs. 2.00 Lakh

Any two employees  as above with monthly salary of at least Rs.16,000/- plus FDC/NSCs equal to 20% of loan exceeding Rs. 2.00 Lakh

Any two paying IT upto Rs.4,500/- PA during last two years plus FDR/NSCs equal to 20% of loan amount exceeding Rs. 2.00 Lakh

35% of loan amount plus One Guarantor of S2 category

100% of loan amount + One Guarantor

S4

Above Rs.5.00 Lakh and upto Rs.10.00 Lakh

Any two employees  as above with monthly salary of at least Rs.20,000/- plus securities like FDR/NSCs etc. to the extent of 20% of loan amount.

Any two employees  as above with monthly salary of at least Rs.25,000/- plus securities like FDR/NSCs etc. to the extent of 20% of loan amount.

Any two paying IT upto Rs.7,000/- PA during last two years  plus securities like FDR/NSCs etc. to the extent of 20% of loan.

45% of loan amount  plus One Guarantor of S3 category.

100% of loan amount + One Guarantor

S5

Above Rs.10.00 Lakh

 

 

 

50% of loan amount plus One Guarantor as per norms of S4 category

150% of loan amount + One Guarantor as per norms of S4 category.

Latest News
 
Automated System of Allotment Govt. of Delhi (e-Awas)
Common Assistant Accounts Officer(Civil) Examination 2021(Part-I and Part-II)
Delhi Budget 2022-23 Citizen Participation
Discontinuation of physical printing of Government of India Gazettes
Draft Delhi Road Safety Policy
Economic_survey-2018-19
Empanelment of Ms ICSIL for hiring of contractual manpower
Extention of date Application for the post of Other Persons Members for Lok Adalats
For any Covid related information or queries please call 1031.
Guidelines for Modal RFP Documents
 
Local Services
 
 
Last Updated:23, Mar 2014