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Laghu Udhyami Credit Card Scheme (Lucc) |
"Tatkal Vyapar Suvidha"- Scheme
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General Purpose Term Loans |
"SME Smart Score" Scheme |
"Artisans Credit Card |
Scheme For Beauty Parlour |
Sbbj Tourism Plus |
Sbbj Shoppe
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Car Loan To SME Units |
Mortgage Advance |
Working Capital Requirements Of
SMEs |
Medium Term Loan Requirements Of SMEs |
Term Loan Requirements Of SMEs |
SBBJ Transport Operators Scheme |
SBBJ Professional Plus |
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State Bank Of Bikaner &
Jaipur has been playing a vital role in the development of small
scale industries since inception.The Bank has set up branches in
Industrial Areas / Estates to provide finance to small and
medium enterprises.
The Bank also finances Small Business activities which are of
special significance to a large number of people as many of
these activities can be started with relatively lower investment
and with no special skills on the part of the enterpreneurs.
Different Schemes are available to suit the needs of different
categories of borrowers.
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LAGHU UDHYAMI CREDIT
CARD SCHEME (LUCC)
PURPOSE |
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To make credit delivery
system simple by waiving cumbersome procedural aspects relating
to renewals, submission of balance sheet and periodical stock
statement and introducing simplified application form based on
Scoring Model eligibility. |
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ELIGIBILITY
All existing small business units, retail traders, artisans, SSI
units, tiny units and Professionals and self employed persons
etc. with satisfactory dealing for last two years. |
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NATURE OF LIMIT
Cash Credit. |
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EXTENT OF LIMIT
Upto Rs.10 lac. |
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FIXATION OF LIMIT |
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In case of Artisans, Retail Traders,
Small Entrepreneurs and Businessmen : 20% of annual
turnover declared for tax purpose OR 20% of annual turnover
(last 12 months)in the operative account, whichever is higher.
In case of parties with good track record where sales tax returns
are not available - limit is fixed based on actual turnover in the
account during the last 2 years.
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For Professionals &
Self Employed Persons, 50% of gross annual income as per
Income Tax return.
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For SSI units
including Tiny sector units : as
per Nayak Committee recommendations .
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VALIDITY
Valid for a period of 3 years . |
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SECURITY
Primary
Hypothecation of stocks in trade, receivables etc.
Collateral
No collateral security for loans upto Rs.5 lacs.
For loans in excess of Rs.5 lacs and upto Rs.25 lacs, no collateral
security required, if the unit is having good track record.In case of
new units, collateral security and third party guarantee not required
if the unit opts for cover under Credit Guarantee scheme floated by CGTSI.
In other cases collateral security or third party guarantee is asked only
when the primary security is inadequate or for other valid reasons and
not as a matter of routine. |
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