FOR THE SHOP TO FRANCHISEES THESE BANKS ARE PROVIDING 50 THOUSAND TO 5 CRORE RUPEES LOAN, KNOW COMPLETE PROCESS (UNDER THE DIFFERENT SCHEMES, BANKS OFFER LOANS FOR BUSINESS)-

Business loan: If you want to start your business with a retail shop, wholesale sale or distributorship, then many banks are offering you loans ranging between Rs 50,000 to Rs 5 crore. Many banks are running such schemes, under which you can easily get a loan. Today, we are telling about these banks and their schemes.

Rs. 5 crore loan from IDBI

IDBI Bank lender up to Rs 5 crores to the traders.
This loan is given to the Whole Sale, Retail Traders, Dealers and Distributors.
The bank is taking the loan MCLR deposit up to Rs 5 lakhs from 0.50 percent to 1 percent.
The loan MCLR deposit up to Rs 5 lakh to Rs 2 crore is being taken from 2.25 percent to 2.75 percent.
These loans are provided under accessible trade policy.

Take loan from SBI in these Schemes

Various types of schemes for small businesses by State Bank of India has been run.
Under the Prime Minister's Mudra Scheme, a loan of Rs 50,000 to Rs 10 lakh is given.
No processing fees and margin money are charged on loans up to Rs 50,000.
0.50 per cent processing fee is charged on loan from 50 thousand to 10 lakh rupees.
The bank also gives a credit card with a limit of up to Rs 10 lakh to the traders.
Under this scheme, the repayment period is a maximum of 5 years.
This loan is free of collateral.
State Bank also lends up to 20 million rupees on a property base to large businessmen.
Any kind of loan can be applied online at the bank's website.

Loan from the Oriental Bank of Commerce up to Rs 1 crore

Oriental Bank of Commerce has been given a loan of up to Rs. 1 crore under Oriental Uttam Vyapari Scheme (Loan to Trader)
The bank is giving loan of up to Rs 10 lakh without any collateral under the Mudra scheme.
Under this scheme, this loan is given to new and old traders older than 1 year.
In addition to the working capital, the bank gives a term loan to buy a shop or buy a quilt, luggage, commodity filings, tools, furniture etc.
The bank is giving loan without the security of the existing shop or unit.
Repayment: Term loan can be returned from 3 to 7 years, while Working Capital Limit can be renewed every year.

Project Finance

A financing of a particular economic unit in which a lender looks initially to the cash flows and earnings of that economic unit as the source of funds from which a loan will be repaid and to the assets of the economic unit as collateral for the loan.

Key Features:
-Collateral for the loan would be Project Assets.
-Effect on financial elasticity – None or heavily reduced effect for sponsors.
-Accounting Treatment as Off Balance Sheet.
-Degree of Leverage Utilizable – Depends on the cash flows generated by the economic unit i.e. project.
-Granting of project finance would be depend upon Future Cash Flows as depicted from the projection of the feasible/viable project.

Business Loan (CC Limit)
You Know Your Finance Person suggest you to take CC Limit to run your business smoothly. However, CC Limit is provided by Banks for short term subject to renewal on the expiry of specified period and Banks charge high interest rate for this facility. Banks recover minimum charge, whether Businessman used or not used cash credit as provided by the Banks.

Every Businessman should know well about what kind of Business Loan would be more convenient and beneficiary unless and until their intention is not to become absconding person.

PNB में हो सकता है OBC, आंध्रा और इलाहाबाद बैंक का Merger, बैड लोन कम करने की कोशिश

Punjab National Bank दो या तीन सरकारी Banks के कंट्रोल को अपने हाथ में ले सकता है। रॉयटर्स की एक रिपोर्ट के मुताबिक, इन बैंकों में Oriental Bank of Commerce, Andhra Bank और Allahabad Bank शामिल हो सकते हैं। भारत सरकार लगातार छोटे क्षेत्रीय सरकारी Banks को बेहतर प्रबंधन वाले सरकारी Bank में Merger की दिशा में प्रयास कर रही है। इसके माध्यम से सरकार का लक्ष्य बैड लोन्स के स्तर को कम करना है। इस समय सरकारी Banks के खातों में 9 लाख करोड़ रुपए के बैड लोन्स दर्ज हैं, जो GDP के लगभग 5 फीसदी के बराबर हैं।

तीन महीने में शुरू हो सकती है प्रक्रिया
बीते साल सरकार के स्वामित्व वाले LIC ने IDBI Bank का अधिग्रहण किया था, जो सबसे ज्यादा बैड लोन्स वाले Banks में से एक था। सूत्रों के मुताबिक, इस क्रम में PNB अगले तीन महीनों में Banks का कंट्रोल अपने हाथ में लेने की प्रक्रिया शुरू कर सकता है।

नई औद्योगिक नीति में छोटे उद्यमियों के लिए विशेष सुविधा, एक सप्ताह में शुरू कर सकेंगे उत्पादन
• रोजगारपरक निर्यात क्षेत्र को निर्यात पर नहीं बल्कि उत्पादन के आधार पर मिलेगी सब्सिडी
• नई औद्योगिक नीति का पूरा फोकस एमएसएमई व निर्यात पर
• नई सरकार के गठन के तुरंत बाद घोषणा हो सकती है नई नीति की
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LOAN AGAINST PROPERTY (LAP)

A loan against property (LAP) i.e. Loan against the mortgage of property. The loan is given as a certain percentage of the property's market value, usually around 60% to 80% depend upon Property is what kind of nature. Further, nature of property means residential property, commercial property or agricultural property and available % of value of property would be also depend upon whether property is constructed or only land etc..

Type of Loan against property:

LOAN FOR COMMERCIAL PROPERTY: – Loan for purchase/ construction of commercial property in approved areas. This includes loans for office space, shops.

LOAN AGAINST PROPERTY FOR BUSINESS EXPANSION: It is also known as Business Loan with Collateral Security

LOAN AGAINST PROPERTY FOR PURCHASE OF ANOTHER PROPERTY: -To meet shortage of fund to buy another property.

LOAN AGAINST PROPERTY FOR PERSONAL PURCHASE: – LAP can also be used for personal purposes like Wedding etc.

LOAN REPAYMENT
Loan repayment is in Equated Monthly Installments (EMI) comprising of principal and interest through Post Dated Cheques/ Electronic Clearance System over a maximum period of 15 years. However, some Bank may provide even 20 years.

PROCESSING FEE AND OTHER CHARGES: -may vary Bank to Bank and nature of loan, property etc. even in some case may be nil.

CHARGEABLE RATE OF INTEREST: – Nature of property, Bank to Bank Policy, Purpose of Loan would be criteria for Rate of Interest.

HOME LOAN: – could be available at very cheap Rate of Interest in comparison to all type of Loan.

AJAY TRIVEDI (https://www.facebook.com/groups/1351826271637777/)
MBA(Finance & Marketing), M.Com.(Pure Commerce), L.L.B. & Fellow Member the Institute of Company Secretaries of India

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