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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 |
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