Uttar Pradesh Credit Guaranty Scheme 

Uttar Pradesh Credit Guaranty Scheme 

 Uttar Pradesh Credit Guaranty Scheme 

Uttar Pradesh Credit Guaranty Scheme माननीय प्रधान मंत्री श्री नरेन्द्र मोदी की अगुआई में भारत की केंद्र सरकार देश के बेरोजगार युवाओं को स्व-रोजगार के अवसरों को साबित कर रही है। केंद्र सरकार की क्रेडिट गारंटी योजना का लाभ उत्तर प्रदेश सरकार द्वारा प्राप्त किया जा रहा है।

भारत सरकार ने सूक्ष्म और लघु उद्यमों के लिए ‘Uttar Pradesh Credit Guaranty Scheme‘ नामित एक योजना शुरू की थी। सूक्ष्म और लघु उद्यम क्षेत्र को संपार्श्विक मुक्त ऋण प्रदान करने के लिए सरकार द्वारा यह योजना शुरू की गई थी।

इस क्रेडिट गारंटी योजना के तहत, मौजूदा और नए उद्यम दोनों पात्र हैं। हर साल लगभग 50,000 लोग उत्तर प्रदेश में क्रेडिट गारंटी योजना के लाभ प्राप्त कर रहे हैं। उत्तर प्रदेश में, छोटे व्यापारियों की आबादी स्टार्ट अप और स्टैंड अप स्कीम में बढ़ी है।

Eligible Criteria 

Eligible Lending Institutions
All scheduled commercial banks and specified Regional Rural Banks, NSIC, NEDFi, SIDBI, which have entered into an agreement with the Trust for the purpose. The eligible lending Institutions, on entering with an agreement with CGTMSE, become Member Lending Institutions (MLIs) of CGTMSE.

Eligible Borrowers

New as well as existing Micro and Small Enterprises.

Maximum Risk Cover

Of the credit facilities extended by MLIs, Trust shall guarantee, in case of default by the borrower, up to 75 per cent (85% for select category of borrowers), of the defaulted principal amount in respect of term credit including interest on principal for one quarter and / or outstanding working capital advances (inclusive of interest), as on the date of account becoming NPA, or as on the date of filing the suit, whichever is lower. Other charges such as penal interest, commitment charge, service charge, or any other levies/ expenses shall not qualify for the guarantee cover.

Rehabilitation assistance

For the unit covered under CGTMSE and becoming sick due to factors beyond the control of management, assistance for rehabilitation extended by the lender could also be covered under the scheme provided the overall assistance is within the credit cap of Rs.100 lakh.

Non-Eligibility

Any facility given on the basis of collateral security or third party guarantee shall be disqualified for coverage under the scheme. The Trust also reserves the right to reject any application for the guarantee cover, if it deems necessary.

यदि आप इस योजना का लाभ उठाना चाहते हैं| तो निचे दिए बैंको से सम्पर्क कर सकते हैं|

(A) SCHEDULED COMMERCIAL BANKS
  
(i )PUBLIC SECTOR BANKS (21 nos.)
1Allahabad Bank
2Andhra Bank
3Bank of Baroda
4Bank of India
5Bank of Maharashtra
6Bharatiya Mahila Bank Ltd.
7Canara Bank
8Central Bank of India
9Corporation Bank
10Dena Bank
11IDBI Bank Limited
12Indian Bank
13Indian Overseas Bank
14Oriental Bank of Commerce
15Punjab & Sind Bank
16Punjab National Bank
17Syndicate Bank
18UCO Bank
19Union Bank of India
20United Bank of India
21Vijaya Bank
  
(ii)SBI AND ITS ASSOCIATE BANKS (6 nos.)
1State Bank of India
2State Bank of Bikaner & Jaipur
3State Bank of Hyderabad
4State Bank of Mysore
5State Bank of Patiala
6State Bank of Travancore
  
(iii)PRIVATE SECTOR BANKS (21 nos.)
1Axis Bank Ltd.
2Catholic Syrian Bank Ltd.
3City Union Bank
4Development Credit Bank Ltd.
5HDFC Bank Ltd.
6ICICI Bank Ltd.
7IDFC Bank Ltd.
8IndusInd Bank Ltd.
9ING Vysya Bank Ltd.
10Karnataka Bank Ltd.
11Kotak Mahindra Bank Ltd.
12Lakshmi Vilas Bank Ltd.
13Tamilnad Mercantile Bank Ltd.
14The Dhanalakshmi Bank Ltd.
15The Federal Bank Ltd.
16The Jammu & Kashmir Bank Ltd.
17The Karur Vysya Bank Ltd.
18The Nainital Bank Ltd.
19The Ratnakar Bank Ltd.
20The South Indian Bank Ltd.
21YES Bank Limited
  
(iv)FOREIGN BANKS (4 nos.)
1Barclays Bank PLC
2Bank of Bahrain and kuwait
3Deutsche Bank
4Standard Chartered Bank
 
(B)REGIONAL RURAL BANKS (66 nos.)
  
1Allahabad UP Gramin Bank
2Andhra Pradesh Grameena Vikas Bank
3Andhra Pragathi Grameena Bank
4Aryavart Gramin Bank
5Assam Gramin Vikash Bank
6Baitarani Gramya Bank
7Ballia Etawah Gramin Bank
8Bangiya Gramin Vikash Bank
9Baroda Gujarat Gramin Bank
10Baroda Rajasthan Gramin Bank
11Baroda Uttar Pradesh Gramin Bank
12Bihar Kshetriya Gramin Bank
13Chaitanya Godavari Grameena Bank
14Chattisgarh Rajya Gramin Bank
15Dena Gujarat Gramin Bank
16Hadoti Kshetriya Gramin Bank
17Himachal Gramin Bank
18Jaipur Thar Gramin Bank
19Jammu & Kashmir Gramin Bank
20Jharkhand Gramin Bank
21Karnataka Vikas Grameena Bank
22Kashi Gomti Samyut Gramin Bank
23Kaveri Grameena Bank
24Kerala Gramin Bank
25Langpi Dehangi Rural Bank
26Madhya Bharat Gramin Bank
27Madhya Bihar Gramin Bank
28Maharashtra Godavari Gramin Bank
29Maharashtra Gramin Bank
30Malwa Gramin Bank
31Meghalaya Rural Bank
32MGB Gramin Bank
33Mizoram Rural Bank
34Nainital – Almora Kshetriya Gramin Bank
35Narmada Malwa Gramin Bank
36Neelachal Gramya Bank
37Pallavan Gramin Bank
38Pandyan Grama Bank
39Parvatiya Gramin Bank
40Pragathi Krishna Grameena Bank
41Prathama Bank
42Puduvai Bharathiar Grama Bank
43Punjab Gramin Bank
44Purvanchal Gramin Bank
45Rajasthan Gramin Bank
46Rewa Siddhi Gramin Bank
47Rushikulya Gramya Bank
48Samastipur Kshetriya Gramin Bank
49Saptagiri Grameena Bank
50Sarva Haryana Gramin Bank
51Sarva UP Gramin Bank
52Satpura Narmada Kshetriya Gramin Bank
53Saurashtra Gramin Bank
54Sharda Gramin Bank
55Shreyas Gramin Bank
56Sutlej Gramin Bank (SGB)
57Telangana Gramin Bank
58Tripura Gramin Bank
59Triveni Kshetriya Gramin Bank
60Uttar Bihar Gramin Bank
61Uttaranchal Gramin Bank
62Uttarbanga Kshetriya Gramin Bank
63Vananchal Gramin Bank
64Vidharbha Kshetriya Gramin Bank
65Vidisha Bhopal Kshetriya Gramin Bank
66Wainganga Krishna Gramin Bank

 

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