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Uttar Pradesh Credit Guaranty Scheme 2020

Uttar Pradesh Credit Guaranty Scheme 2020 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.)
1	Allahabad Bank
2	Andhra Bank
3	Bank of Baroda
4	Bank of India
5	Bank of Maharashtra
6	Bharatiya Mahila Bank Ltd.
7	Canara Bank
8	Central Bank of India
9	Corporation Bank
10	Dena Bank
11	IDBI Bank Limited
12	Indian Bank
13	Indian Overseas Bank
14	Oriental Bank of Commerce
15	Punjab & Sind Bank
16	Punjab National Bank
17	Syndicate Bank
18	UCO Bank
19	Union Bank of India
20	United Bank of India
21	Vijaya Bank

(ii)	SBI AND ITS ASSOCIATE BANKS (6 nos.)
1	State Bank of India
2	State Bank of Bikaner & Jaipur
3	State Bank of Hyderabad
4	State Bank of Mysore
5	State Bank of Patiala
6	State Bank of Travancore

(iii)	PRIVATE SECTOR BANKS (21 nos.)
1	Axis Bank Ltd.
2	Catholic Syrian Bank Ltd.
3	City Union Bank
4	Development Credit Bank Ltd.
5	HDFC Bank Ltd.
6	ICICI Bank Ltd.
7	IDFC Bank Ltd.
8	IndusInd Bank Ltd.
9	ING Vysya Bank Ltd.
10	Karnataka Bank Ltd.
11	Kotak Mahindra Bank Ltd.
12	Lakshmi Vilas Bank Ltd.
13	Tamilnad Mercantile Bank Ltd.
14	The Dhanalakshmi Bank Ltd.
15	The Federal Bank Ltd.
16	The Jammu & Kashmir Bank Ltd.
17	The Karur Vysya Bank Ltd.
18	The Nainital Bank Ltd.
19	The Ratnakar Bank Ltd.
20	The South Indian Bank Ltd.
21	YES Bank Limited

(iv)	FOREIGN BANKS (4 nos.)
1	Barclays Bank PLC
2	Bank of Bahrain and kuwait
3	Deutsche Bank
4	Standard Chartered Bank

(B)REGIONAL RURAL BANKS (66 nos.)

1	Allahabad UP Gramin Bank
2	Andhra Pradesh Grameena Vikas Bank
3	Andhra Pragathi Grameena Bank
4	Aryavart Gramin Bank
5	Assam Gramin Vikash Bank
6	Baitarani Gramya Bank
7	Ballia Etawah Gramin Bank
8	Bangiya Gramin Vikash Bank
9	Baroda Gujarat Gramin Bank
10	Baroda Rajasthan Gramin Bank
11	Baroda Uttar Pradesh Gramin Bank
12	Bihar Kshetriya Gramin Bank
13	Chaitanya Godavari Grameena Bank
14	Chattisgarh Rajya Gramin Bank
15	Dena Gujarat Gramin Bank
16	Hadoti Kshetriya Gramin Bank
17	Himachal Gramin Bank
18	Jaipur Thar Gramin Bank
19	Jammu & Kashmir Gramin Bank
20	Jharkhand Gramin Bank
21	Karnataka Vikas Grameena Bank
22	Kashi Gomti Samyut Gramin Bank
23	Kaveri Grameena Bank
24	Kerala Gramin Bank
25	Langpi Dehangi Rural Bank
26	Madhya Bharat Gramin Bank
27	Madhya Bihar Gramin Bank
28	Maharashtra Godavari Gramin Bank
29	Maharashtra Gramin Bank
30	Malwa Gramin Bank
31	Meghalaya Rural Bank
32	MGB Gramin Bank
33	Mizoram Rural Bank
34	Nainital – Almora Kshetriya Gramin Bank
35	Narmada Malwa Gramin Bank
36	Neelachal Gramya Bank
37	Pallavan Gramin Bank
38	Pandyan Grama Bank
39	Parvatiya Gramin Bank
40	Pragathi Krishna Grameena Bank
41	Prathama Bank
42	Puduvai Bharathiar Grama Bank
43	Punjab Gramin Bank
44	Purvanchal Gramin Bank
45	Rajasthan Gramin Bank
46	Rewa Siddhi Gramin Bank
47	Rushikulya Gramya Bank
48	Samastipur Kshetriya Gramin Bank
49	Saptagiri Grameena Bank
50	Sarva Haryana Gramin Bank
51	Sarva UP Gramin Bank
52	Satpura Narmada Kshetriya Gramin Bank
53	Saurashtra Gramin Bank
54	Sharda Gramin Bank
55	Shreyas Gramin Bank
56	Sutlej Gramin Bank (SGB)
57	Telangana Gramin Bank
58	Tripura Gramin Bank
59	Triveni Kshetriya Gramin Bank
60	Uttar Bihar Gramin Bank
61	Uttaranchal Gramin Bank
62	Uttarbanga Kshetriya Gramin Bank
63	Vananchal Gramin Bank
64	Vidharbha Kshetriya Gramin Bank
65	Vidisha Bhopal Kshetriya Gramin Bank
66	Wainganga Krishna Gramin Bank