ക്രിസ്ത്യൻ , മുസ്‌ലിം (മതന്യൂനപക്ഷങ്ങൾക്കുള്ള )പദ്ധതികൾ- NMDFC പദ്ധതികൾ
| 1 | സ്വയം തൊഴിൽ പദ്ധതി - 1 |
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| 2 | സ്വയം തൊഴിൽ പദ്ധതി - 2 |
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| 3 | വിദ്യാഭ്യാസ വായ്പാ പദ്ധതി - 1 |
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| 4 | വിദ്യാഭ്യാസ വായ്പാ പദ്ധതി - 2 |
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| 5 | ലഘു വായ്പാ പദ്ധതി(സന്നദ്ധ സംഘടനകൾ /CDS വഴി നല്‍കുന്ന വായ്പ)) |
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Sunday, 15 May 2016
ക്രിസ്ത്യൻ , മുസ്‌ലിം (മതന്യൂനപക്ഷങ്ങൾക്കുള്ള )പദ്ധതികൾ- NMDFC പദ്ധതികൾ
ക്രിസ്ത്യൻ , മുസ്‌ലിം (മതന്യൂനപക്ഷങ്ങൾക്കുള്ള )പദ്ധതികൾ- NMDFC പദ്ധതികൾ
OBC & Minority (മറ്റു പിന്നോക്ക വിഭാഗങ്ങൾക്കായുള്ള പദ്ധതികൾ )
തനത് ഫണ്ട് ഉപയോഗിച്ച് നടപ്പിലാക്കുന്ന പദ്ധതികൾ - KSBCDC പദ്ധതികൾ
തനത് ഫണ്ട് പദ്ധതികൾ
KSBCDC-യുടെ തനത് ഫണ്ട് ഉപയോഗിച്ച് മറ്റ് പിന്നോക്ക വിഭാഗങ്ങൾക്കായി നടപ്പിലാക്കുന്ന ക്ഷേമ പദ്ധതികൾ .
| 1 | പെൺകുട്ടികളുടെ വിവാഹ സഹായ വായ്പാ പദ്ധതി |
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| 2 | വിദേശത്ത് ജോലി നേടി പോകുന്നവർക്കുള്ള വായ്പ പദ്ധതി |
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| 3 | സ്വയം തൊഴിൽ വായ്പ |
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| 4 | സുവർണ്ണശ്രീ വായ്പ(ബഹുവിധ ആവശ്യങ്ങൾക്ക് ) |
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| 5 | പ്രവർത്തന മൂലധന വായ്പ |
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| 6 | ബിസിനസ് ഡവലപ്മെന്റ്റ് വായ്പ |
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| 7 | വിദ്യാശ്രീ വായ്പാ പദ്ധതി |
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| 8 | കണ്‍സ്യുമർ ഡ്യുറബിള്‍ വായ്പ |
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| 9 | വാഹന വായ്പാ പദ്ധതി |
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| 10 | ഗൃഹപുനരുദ്ധാരണ വായ്പാ പദ്ധതി (സ്വസ്ഥഗൃഹ) |
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| 11 | വ്യക്തിഗത വായ്പ |
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OBC & Minority - Backward caste Own Fund Schemes (English)
Kerala State Backward Classes Development Corporation Ltd.
മലയാളം
മലയാളം
Own Fund Schemes
Apart from the schemes of the National Corporations, KSBCDC is implementing other welfare schemes also for Minority and Other Backward Communities utilizing its own fund.
| 1 | Marriage Assistance Scheme |
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| 2 | Loan for seeking Employment Abroad |
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| 3 | Self-employment loan |
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| 4 | Suvarnashree (Multi-purpose loan) |
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| 5 | Working Capital Loan |
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| 6 | Business Development Loan |
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| 7 | Vidhyashree Loan |
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| 8 | Consumer Durable Loan |
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| 9 | Vehicle Loans |
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| 10 | Swastha Griha (House Maintenance) Loan |
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| 11 | Personal Loan |
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Coir Board - Coir Udyami Yojana(CUY)
Coir Udyami Yojana(CUY)
| Description | This is a credit linked subsidy scheme for setting up of coir units with project cost upto Rs.10 lakhs plus one cycle of working capital, which shall not exceed 25% of the project cost. Working capital will not be considered for subsidy. |
| Nature of Assistance | Maximum admissible cost of the project is 10 lakhs plus working capital, which shall not exceed 25% of the project cost. 1.Beneficiary's contribution 5% of the project cost 2.Bank credit 55%. 3.Rate of Subsidy 40% of the project |
| Who can Apply? | Individuals, Companies, Self Help Groups,Non Governmental Organizations, Institutions registered under Societies Registration Act 1860, Production Co-operative Societies, Joint Liability Groups and Charitable Trust, |
| How to Apply? | Click on Apply Now button to Apply Online Or the applications can be collected from Coir Board Offices, District Industries Centres, Coir Project Offices, Panchayati Raj Institutions and the Nodal Agencies approved by the Board for this purpose and have to be submitted directly to the Coir Board Field Offices or through the DICs. |
KSWDC ( Kerala State Women’s Development Corporation )
KSWDC ( KERALA STATE WOMEN’S DEVELOPMENT CORPORATION )
MISSION
To advocate the improvement of the social status of women and to enhance their economic security and rights, so that they become co-actors, co-partners & co-beneficiaries in the sustainable development and progress of the society.
Loans are granted to economically weaker women of general/ forward communities for self employment.
Eligibility of the beneficiary:
The loan shall be granted to women members of general category
Income of the applicant’s family should be below double the poverty line i.e. Rs. 1,03,000/- p.a. in urban and Rs.81,000/- p.a. in rural areas.
The age in between 18 and 55 years.
Deed or salary certificate as security
Any income generating projects is eligible for loan.
Eligibility of the beneficiary:
The loan shall be granted to women members of general category
Income of the applicant’s family should be below double the poverty line i.e. Rs. 1,03,000/- p.a. in urban and Rs.81,000/- p.a. in rural areas.
The age in between 18 and 55 years.
Deed or salary certificate as security
Any income generating projects is eligible for loan.
Maximum loan amount that can be availed:
Maximum loan amount is Rs 2,00,000/- . The entire loan amount for women of general communities has to be met from the fund provided by the State Government. 95% is proposed to be channelized under the plan scheme of the State Government and the balance 5% as beneficiary contribution.
Rate of Interest and Repayment mode:
Loans are extended at 6% interest p.a. to be repaid in 60 monthly instalments.
Maximum loan amount is Rs 2,00,000/- . The entire loan amount for women of general communities has to be met from the fund provided by the State Government. 95% is proposed to be channelized under the plan scheme of the State Government and the balance 5% as beneficiary contribution.
Rate of Interest and Repayment mode:
Loans are extended at 6% interest p.a. to be repaid in 60 monthly instalments.
SCHEMES FOR BACKWARD CLASSES (Financial Assistance from NBCFDC)
Under this scheme, women belonging to the backward classes are provided with the loan for opening or developing of a venture.
Scheme no. 1
TERM LOAN/MARGIN MONEY LOAN
Self-employment loan up to a maximum of Rs. 2 Lakh
The scheme is to promote self-employment among the members of the Backward Classes. Any viable projects can be considered under the scheme.
Beneficiary contribution need not be collected from the beneficiary under this scheme. The beneficiaries are expected to utilize the amount along with the loan amount for the project. The maximum loan that can be disbursed under this Scheme is 85% of the project cost or Rs.10,00,000/- whichever is lower and is limited to the amount requested by the beneficiary.
The following pattern of financing is ordinarily envisaged in such proposals.
NBCFDC contribution : 85%
KSWDC contribution : 10%
Beneficiary contribution : 5%
Eligibility Criteria
1. The applicant must belong to any one of the notified Backward Classes of the state.
2. The annual family income of the applicant must be below Rs.1,20,000/- in urban areas and Rs.98,000/- in rural areas.
3. Age of the applicants must be between 18 and 55.
4. The applicant should not be a beneficiary to any of the Self Employment loan under any scheme of any other Corporation/Bank/Agency
Rate of interest
For loan amount up to Rs.5 Lakh : 6%
For loan amount above Rs.5 Lakh : 8%
The scheme is to promote self-employment among the members of the Backward Classes. Any viable projects can be considered under the scheme.
Beneficiary contribution need not be collected from the beneficiary under this scheme. The beneficiaries are expected to utilize the amount along with the loan amount for the project. The maximum loan that can be disbursed under this Scheme is 85% of the project cost or Rs.10,00,000/- whichever is lower and is limited to the amount requested by the beneficiary.
The following pattern of financing is ordinarily envisaged in such proposals.
NBCFDC contribution : 85%
KSWDC contribution : 10%
Beneficiary contribution : 5%
Eligibility Criteria
1. The applicant must belong to any one of the notified Backward Classes of the state.
2. The annual family income of the applicant must be below Rs.1,20,000/- in urban areas and Rs.98,000/- in rural areas.
3. Age of the applicants must be between 18 and 55.
4. The applicant should not be a beneficiary to any of the Self Employment loan under any scheme of any other Corporation/Bank/Agency
Rate of interest
For loan amount up to Rs.5 Lakh : 6%
For loan amount above Rs.5 Lakh : 8%
Scheme no. 2
NEW SWARNIMA SCHEME FOR WOMEN
(Special Self-Employment Scheme for Backward Class Women)
New Swarnima Scheme is special scheme for women belonging to Backward Classes and who are living below double the poverty line. The objective of the scheme is to develop self reliance amongst women beneficiaries of the target groups by facilitating easy credit facilities for setting up viable economic activities.
ELIGIBILITY
1. The loan shall be extended to the women of Backward Classes as notified by State Governments from time to time.
2. The Backward Class women living below double the poverty line are eligible to get loan under this scheme (whose annual family income is below Rs.98,000/- in rural areas and Rs.1,20,000/- in urban areas.
3. Age of the applicants must be between 18 and 55.
4. Preferences should be given to widows, deserted and handicapped women. If selection is required, then annual family income of the applicant should be taken as major criteria.
QUANTUM OF LOANS AND PATTERN OF FINANCING
Maximum loan amount available under New Swarnima Scheme is Rs.1,00,000/- (Rupees One Lakh only) per beneficiary.
The pattern of financing is envisaged as under:
1. NBCFDC share – 95%
2. KSWDC share – 5%
3. Beneficiary Contribution – NIL
Rate of Interest : 5%
REPAYMENT
(Special Self-Employment Scheme for Backward Class Women)
New Swarnima Scheme is special scheme for women belonging to Backward Classes and who are living below double the poverty line. The objective of the scheme is to develop self reliance amongst women beneficiaries of the target groups by facilitating easy credit facilities for setting up viable economic activities.
ELIGIBILITY
1. The loan shall be extended to the women of Backward Classes as notified by State Governments from time to time.
2. The Backward Class women living below double the poverty line are eligible to get loan under this scheme (whose annual family income is below Rs.98,000/- in rural areas and Rs.1,20,000/- in urban areas.
3. Age of the applicants must be between 18 and 55.
4. Preferences should be given to widows, deserted and handicapped women. If selection is required, then annual family income of the applicant should be taken as major criteria.
QUANTUM OF LOANS AND PATTERN OF FINANCING
Maximum loan amount available under New Swarnima Scheme is Rs.1,00,000/- (Rupees One Lakh only) per beneficiary.
The pattern of financing is envisaged as under:
1. NBCFDC share – 95%
2. KSWDC share – 5%
3. Beneficiary Contribution – NIL
Rate of Interest : 5%
REPAYMENT
Loan is to be repaid in quarterly instalments with maximum 10 years (including the moratorium period of six months on the recovery of principal).
Scheme No.3
EDUCATION LOAN SCHEME FOR BACKWARD CLASSES
Towards the fulfilment of the overall objectives of empowerment and development of Backward Classes in the country, KSBCDC promises financial assistance on loan basis to eligible beneficiaries.
OBJECTIVES
To extend Education loan to the members of Backward Classes for pursuing Professional or Technical education at graduate and higher level.
ELIGIBILITY
i) The loan shall be granted to members of backward classes, as notified by State Government from time to time.
ii) The annual income of the applicant’s family should be below double the poverty line i.e., Rs.98,000/- p.a. in rural areas and Rs.1,20,000/-p.a. in urban areas.
iii) The applicant should have obtained admission for any Professional/Technical Courses through Entrance Test/ Merit based selection process. Course should be approved by appropriate authority such as AICTE, Medical Council of India, UGC etc.
iv) Priority will be given to women, physically impaired and dependent of war widows.
v) Distant education/Off-campus programmes are not covered under this scheme.
vi) Age Limit : 16-32
Towards the fulfilment of the overall objectives of empowerment and development of Backward Classes in the country, KSBCDC promises financial assistance on loan basis to eligible beneficiaries.
OBJECTIVES
To extend Education loan to the members of Backward Classes for pursuing Professional or Technical education at graduate and higher level.
ELIGIBILITY
i) The loan shall be granted to members of backward classes, as notified by State Government from time to time.
ii) The annual income of the applicant’s family should be below double the poverty line i.e., Rs.98,000/- p.a. in rural areas and Rs.1,20,000/-p.a. in urban areas.
iii) The applicant should have obtained admission for any Professional/Technical Courses through Entrance Test/ Merit based selection process. Course should be approved by appropriate authority such as AICTE, Medical Council of India, UGC etc.
iv) Priority will be given to women, physically impaired and dependent of war widows.
v) Distant education/Off-campus programmes are not covered under this scheme.
vi) Age Limit : 16-32
COURSES COVERED
All professional and technical courses at graduate and higher level approved by appropriate authority such as AICTE, Medical council of India, UGC etc.
All professional and technical courses at graduate and higher level approved by appropriate authority such as AICTE, Medical council of India, UGC etc.
PURPOSE OF LOAN
Admission fee & Tuition fee
Books, Stationery & other instruments required for the course
Examination fee
Boarding & lodging expenses
Insurance premium for student borrower for policy during the loan period.
Travel expenses/passage money for studying aboard
MAXIMUM LOAN LIMIT 90% of the expenditure of the course subject to maximum loan limit of RS.10 lakh per student or Rs.2.50 lakh p.a. (for studying within India) & 85% of the expenditure of the course subject to maximum of Rs.20 lakh per student (for studying abroad), the balance will be borne by student/SCAs.
Books, Stationery & other instruments required for the course
Examination fee
Boarding & lodging expenses
Insurance premium for student borrower for policy during the loan period.
Travel expenses/passage money for studying aboard
MAXIMUM LOAN LIMIT 90% of the expenditure of the course subject to maximum loan limit of RS.10 lakh per student or Rs.2.50 lakh p.a. (for studying within India) & 85% of the expenditure of the course subject to maximum of Rs.20 lakh per student (for studying abroad), the balance will be borne by student/SCAs.
Rate of interest: 3.5% for Girls
REPAYMENT PERIOD
The moratorium, besides being co-terminus with the course for which loan has been obtained by the students, will have a further six months period for starting repayment after the completion of the course.
REPAYMENT PERIOD
The moratorium, besides being co-terminus with the course for which loan has been obtained by the students, will have a further six months period for starting repayment after the completion of the course.
SECURITY & MONITORING OF EDUCATION LOANS
The SCAs would ensure security of loan, tracking of beneficiaries’ students and their monitoring during the loan period. The Education loan scheme would envisage providing education loan to the eligible students pursuing their higher professional courses in approved institutions only.
MICRO FINANCE SCHEME
Scheme 1
Micro Financing through SHGs
In order to cater to the Micro Finance needs of small entrepreneurs belonging to the target group, the corporation has introduced a scheme for micro financing through nominated channelling agencies. It is desirable to disburse loans through self help groups by SCAs under micro finance scheme. This scheme is carried out through legally registered SHGs which consist of up to 20 persons.
Eligibility Criteria
1. The applicant must belong to any one of the notified Backward Classes of the state.
2. The annual family income of the applicant must be below Rs.1,20,000/- in urban areas and Rs.98,000/- in rural areas.
3. Age of the applicants must be between 18 and 55.
4. In a SHG 75% of members can be from backward classes and remaining 25% members may be from other weaker section including SC/ST/handicapped etc.
Maximum Limit of Loan
The maximum amount of loan that can be extended is Rs.50,000/- per member of the group.
Micro Financing through SHGs
In order to cater to the Micro Finance needs of small entrepreneurs belonging to the target group, the corporation has introduced a scheme for micro financing through nominated channelling agencies. It is desirable to disburse loans through self help groups by SCAs under micro finance scheme. This scheme is carried out through legally registered SHGs which consist of up to 20 persons.
Eligibility Criteria
1. The applicant must belong to any one of the notified Backward Classes of the state.
2. The annual family income of the applicant must be below Rs.1,20,000/- in urban areas and Rs.98,000/- in rural areas.
3. Age of the applicants must be between 18 and 55.
4. In a SHG 75% of members can be from backward classes and remaining 25% members may be from other weaker section including SC/ST/handicapped etc.
Maximum Limit of Loan
The maximum amount of loan that can be extended is Rs.50,000/- per member of the group.
Pattern of Finance
i) NBCFDC Loan : 90%
ii) KSWDC Loan : 5%
iii) Beneficiaries Contribution : 05%
Rate of Interest – 5% p.a.
i) NBCFDC Loan : 90%
ii) KSWDC Loan : 5%
iii) Beneficiaries Contribution : 05%
Rate of Interest – 5% p.a.
REPAYMENT PERIOD
Loan is to be repaid in quarterly instalments within 48 months (including the moratorium period of six months on the recovery of principal)
Scheme 2
MAHILA SAMRIDDHI YOJANA
(Micro Finance Scheme for women)
To provide micro finance to women entrepreneurs belongings to the target group. This scheme is carried out SHGs which consist of up to 20 persons.
Eligibility Criteria
1. The applicant must belong to any one of the notified Backward Classes of the state.
2. The annual family income of the applicant must be below Rs.1,20,000/- in urban areas and Rs.98,000/- in rural areas.
3. Age of the applicants must be between 18 and 55.
To provide micro finance to women entrepreneurs belongings to the target group. This scheme is carried out SHGs which consist of up to 20 persons.
Eligibility Criteria
1. The applicant must belong to any one of the notified Backward Classes of the state.
2. The annual family income of the applicant must be below Rs.1,20,000/- in urban areas and Rs.98,000/- in rural areas.
3. Age of the applicants must be between 18 and 55.
Maximum Limit of Loan
The maximum amount of loan that can be extended is Rs.50,000/- per member of the group.
Pattern of Finance
i) NBCFDC Loan : 95%
ii) KSWDC Loan/beneficiary contribution : 5%
Rate of Interest – 4% p.a.
The maximum amount of loan that can be extended is Rs.50,000/- per member of the group.
Pattern of Finance
i) NBCFDC Loan : 95%
ii) KSWDC Loan/beneficiary contribution : 5%
Rate of Interest – 4% p.a.
REPAYMENT PERIOD
Loan is to be repaid in quarterly instalments within 48 months (including the moratorium period of six months on the recovery of principal)
SCHEMES FOR MINORITY COMMUNITY (Financial assistance from NMDFC)
Scheme No.1
TERM LOAN
1.Self-employment loan up to a maximum of Rs.10,00,000/-
The scheme is to promote self-employment among the members of the minority communities. Any viable projects can be considered under the scheme.
The following pattern of financing is ordinarily envisaged in such proposals.
NMDFC contribution : 90%
KSWDC contribution : 5%
Beneficiary Contribution : 5%
Beneficiary contribution need not be collected from the beneficiary under this scheme. The beneficiaries are expected to utilize the amount along with the loan amount for the project.
The maximum loan that can be disbursed under this Scheme is 95% of the project cost or Rs.10,00,000/- whichever is lower and is limited to the amount requested by the beneficiary.
Eligibility Criteria
TERM LOAN
1.Self-employment loan up to a maximum of Rs.10,00,000/-
The scheme is to promote self-employment among the members of the minority communities. Any viable projects can be considered under the scheme.
The following pattern of financing is ordinarily envisaged in such proposals.
NMDFC contribution : 90%
KSWDC contribution : 5%
Beneficiary Contribution : 5%
Beneficiary contribution need not be collected from the beneficiary under this scheme. The beneficiaries are expected to utilize the amount along with the loan amount for the project.
The maximum loan that can be disbursed under this Scheme is 95% of the project cost or Rs.10,00,000/- whichever is lower and is limited to the amount requested by the beneficiary.
Eligibility Criteria
1. The applicant must belong to the minority community as notified by central Government and state government from time to time.
2. The annual family income of the applicant must be below Rs.1,03,000/- in urban areas and Rs.81,000/- in rural areas.
3. Age of the applicants must be between 18 and 55.
4. The applicant should not be a beneficiary to any of the Self Employment loan under any scheme of any other Corporation/Bank/Agency
Rate of interest – 6%
2. The annual family income of the applicant must be below Rs.1,03,000/- in urban areas and Rs.81,000/- in rural areas.
3. Age of the applicants must be between 18 and 55.
4. The applicant should not be a beneficiary to any of the Self Employment loan under any scheme of any other Corporation/Bank/Agency
Rate of interest – 6%
Scheme No.2
EDUCATION LOAN SCHEME FOR MINORITY COMMUNITIES.
NMDFC introduced the Educational Loan Scheme with the objectives to facilitate job oriented education amongst the weaker section of the Minorities.
OBJECTIVES
The identified courses should be such which have the utmost probability of equipping the beneficiaries for jobs, and should be shorter duration at the most 5 years. Educational loan should be given for courses, which are within the reach of the targeted group and have the least possibility of being misused.
OBJECTIVES
The identified courses should be such which have the utmost probability of equipping the beneficiaries for jobs, and should be shorter duration at the most 5 years. Educational loan should be given for courses, which are within the reach of the targeted group and have the least possibility of being misused.
ELIGIBILITY
i) The applicant should belong to the notified Minority Communities.
ii) The annual family income of the applicant must be below Rs.1,03,000/- in urban areas and Rs.81,000/- in rural areas.
iii) The applicant should be in the age group of 16-32 years.
iv) Confirmed admission in the intended course is the basic requirement for availing the loan. However, application for loan can be made in anticipation of admission. Similarly, loan can also be sanctioned in anticipation of admission.
v) Women and Physically challenged candidates would be given preference.
vi) Selection out of the eligible candidates will strictly be on merit.
ii) The annual family income of the applicant must be below Rs.1,03,000/- in urban areas and Rs.81,000/- in rural areas.
iii) The applicant should be in the age group of 16-32 years.
iv) Confirmed admission in the intended course is the basic requirement for availing the loan. However, application for loan can be made in anticipation of admission. Similarly, loan can also be sanctioned in anticipation of admission.
v) Women and Physically challenged candidates would be given preference.
vi) Selection out of the eligible candidates will strictly be on merit.
ELIGIBLE COURSES
i) The course of study should have good potential in the job market. Any Technical/Professional courses including Diploma & Degree courses may be considered.
ii) The duration of the course will not exceed five years. However, shorter duration courses may be preferred.
iii) The College/Institute should have been offering the courses for the last 3 years and should be recognized by the Central/State Government or by appropriate authority such as AITCE.
PURPOSE OF THE LOAN AND MAXIMUM LOAN AMOUNT
Loan will be admissible for expenditure on the following items:
i) Admission fee and tuition fee.
ii) Cost of books, stationery and other instruments required for the course.
iii) Examination fee
iv) Boarding and lodging expenses. The loan amount must be limited to actual expenditure, subject to a maximum of Rs.50,000/- per annum, for a course of maximum five years duration. Maximum loan amount shall be Rs.2.50 lakhs.
ii) The duration of the course will not exceed five years. However, shorter duration courses may be preferred.
iii) The College/Institute should have been offering the courses for the last 3 years and should be recognized by the Central/State Government or by appropriate authority such as AITCE.
PURPOSE OF THE LOAN AND MAXIMUM LOAN AMOUNT
Loan will be admissible for expenditure on the following items:
i) Admission fee and tuition fee.
ii) Cost of books, stationery and other instruments required for the course.
iii) Examination fee
iv) Boarding and lodging expenses. The loan amount must be limited to actual expenditure, subject to a maximum of Rs.50,000/- per annum, for a course of maximum five years duration. Maximum loan amount shall be Rs.2.50 lakhs.
TERMS OF RELEASE OF LOAN
i) Admission fee, tuition fee, examination fee and similar expenditure will be paid by account payee cheque in the name of applicant and co-borrower
ii) The loan will be released in instalments on trimester/semester/annual basis depending upon the system of the concerned College/Institute. The subsequent release of loan will depend upon successful completion of the previous term. A certificate in this regard may be obtained from head of the institute.
PATTERN OF FINANCE
NMDFC Share – 90%
KSWDC Share – 10%
ii) The loan will be released in instalments on trimester/semester/annual basis depending upon the system of the concerned College/Institute. The subsequent release of loan will depend upon successful completion of the previous term. A certificate in this regard may be obtained from head of the institute.
PATTERN OF FINANCE
NMDFC Share – 90%
KSWDC Share – 10%
RATE OF INTEREST : 3%
Scheme 3
MICRO FINANCE SCHEME [Loan through NGOs]
MICRO FINANCE SCHEME [Loan through NGOs]
The concept of micro finance for self-employment loans involves financing for small-scale enterprises either individually or in groups. This scheme is carried out through legally registered NGO/SHGs which consist of upto 20 persons. The group should be homogenous with about 75% of the members belonging to minority community.
Eligibility of the beneficiary:
The loan shall be granted to women members of minority classes, as notified by Central Govt. and State Govt. from time to time.
The family income of the applicant must be below Rs.81,000/-p.a in rural areas and Rs.1,03,000/- p.ain urban areas.
The applicant should be in the age group of 18-55 years.
NGOs registered for more than three years, will be eligible for assistance for their SHGs.
SHGs which have been functioning for more than three years can only be considered for financial assistance under micro finance scheme of NMDFC.
In a SHG 75% of members can be from minority community and remaining 25% members may be from other weaker section including SC/ST, other backward classes and disabled persons.
All participant members will be jointly and severally responsible for repayment of the loan.
Eligibility of the beneficiary:
The loan shall be granted to women members of minority classes, as notified by Central Govt. and State Govt. from time to time.
The family income of the applicant must be below Rs.81,000/-p.a in rural areas and Rs.1,03,000/- p.ain urban areas.
The applicant should be in the age group of 18-55 years.
NGOs registered for more than three years, will be eligible for assistance for their SHGs.
SHGs which have been functioning for more than three years can only be considered for financial assistance under micro finance scheme of NMDFC.
In a SHG 75% of members can be from minority community and remaining 25% members may be from other weaker section including SC/ST, other backward classes and disabled persons.
All participant members will be jointly and severally responsible for repayment of the loan.
Maximum loan amount that can be availed:
The maximum amount of loan that can be extended is Rs.50,000/- per member of the group i.e. a group of the participant members can be given a maximum loan of Rs.10.00 lakhs.
PATTERN OF FINANCE
NMDFC Share – 90%
KSWDC Share – 5%
Beneficiary share – 5%
The maximum amount of loan that can be extended is Rs.50,000/- per member of the group i.e. a group of the participant members can be given a maximum loan of Rs.10.00 lakhs.
PATTERN OF FINANCE
NMDFC Share – 90%
KSWDC Share – 5%
Beneficiary share – 5%
Rate of Interest and Repayment mode:
The interest rate is 6% and the loan is to be repaid in 36 installments.
The interest rate is 6% and the loan is to be repaid in 36 installments.
LOAN SCHEMES FOR SCHEDULED CASTE (NSFDC SCHEMES)
Scheme 1
SELF-EMPLOYMENT LOAN SCHEME
Eligibility Criteria
The loan shall be granted to women members of scheduled classes as notified by the central government and state government from time to time.
The family income of the applicant must be below Rs.98,000/- p.a in rural areas and Rs. 1,20,000/- p.a in urban areas.
Applicant must be in the age group of 18-55 years.
The loan shall be granted to women members of scheduled classes as notified by the central government and state government from time to time.
The family income of the applicant must be below Rs.98,000/- p.a in rural areas and Rs. 1,20,000/- p.a in urban areas.
Applicant must be in the age group of 18-55 years.
Maximum Amount of Loan
The maximum amount under this scheme is Rs. 2,00,000/-. 90% of the project cost is made available by the National Corporations; 5% by state government & 5% is beneficiary contribution.
The maximum amount under this scheme is Rs. 2,00,000/-. 90% of the project cost is made available by the National Corporations; 5% by state government & 5% is beneficiary contribution.
Rate of interest and Repayment
Loans are extended at 6% interest p.a to be repaid in 60 equal monthly instalments. The minimum time of repayment is 36 months.
PATTERN OF FINANCE
NMDFC Share – 90%
KSWDC Share – 5%
Beneficiary share – 5%
Loans are extended at 6% interest p.a to be repaid in 60 equal monthly instalments. The minimum time of repayment is 36 months.
PATTERN OF FINANCE
NMDFC Share – 90%
KSWDC Share – 5%
Beneficiary share – 5%
Scheme 2
MICRO CREDIT FINANCE SCHEME (MCF)
Eligibility Criteria
The loan shall be granted to women members of scheduled classes as notified by the central government and state government from time to time.
The family income of the applicant must be below Rs.98,000/- p.a in rural areas and Rs. 1,20,000/- p.a in urban areas.
Applicant must be in the age group of 18-55 years.
Eligibility Criteria
The loan shall be granted to women members of scheduled classes as notified by the central government and state government from time to time.
The family income of the applicant must be below Rs.98,000/- p.a in rural areas and Rs. 1,20,000/- p.a in urban areas.
Applicant must be in the age group of 18-55 years.
Maximum Amount of Loan
The maximum amount under this scheme is Rs. 2,00,000. 90% of the project cost is made available by the National Corporations; 5% by state government & 5% is beneficiary contribution.
Rate of interest and Repayment
The maximum amount under this scheme is Rs. 2,00,000. 90% of the project cost is made available by the National Corporations; 5% by state government & 5% is beneficiary contribution.
Rate of interest and Repayment
Loans are extended at 5% interest p.a to be repaid in 60 equal monthly instalments. The minimum time of repayment is 36 months.
PATTERN OF FINANCE
NMDFC Share – 90%
KSWDC Share – 5%
Beneficiary share – 5%
PATTERN OF FINANCE
NMDFC Share – 90%
KSWDC Share – 5%
Beneficiary share – 5%
Scheme 3
LAGHU VYAVASAYA YOJANA (LVY)
Eligibility Criteria
Eligibility Criteria
The loan shall be granted to women members of scheduled classes as notified by the central government and state government from time to time.
The family income of the applicant must be below Rs.98,000/- p.a in rural areas and Rs. 1,20,000/- p.a in urban areas.
Applicant must be in the age group of 18-55 years.
The family income of the applicant must be below Rs.98,000/- p.a in rural areas and Rs. 1,20,000/- p.a in urban areas.
Applicant must be in the age group of 18-55 years.
Maximum Amount of Loan
The maximum amount under this scheme is Rs. 2,00,000. 90% of the project cost is made available by the National Corporations; 5% by state government & 5% is beneficiary contribution.
Rate of interest and Repayment
Loans are extended at 6% interest p.a to be repaid in 60 equal monthly instalments. The minimum time of repayment is 36 months.
PATTERN OF FINANCE
NMDFC Share – 90%
KSWDC Share – 5%
Beneficiary share – 5%
The maximum amount under this scheme is Rs. 2,00,000. 90% of the project cost is made available by the National Corporations; 5% by state government & 5% is beneficiary contribution.
Rate of interest and Repayment
Loans are extended at 6% interest p.a to be repaid in 60 equal monthly instalments. The minimum time of repayment is 36 months.
PATTERN OF FINANCE
NMDFC Share – 90%
KSWDC Share – 5%
Beneficiary share – 5%
Documents to be submitted for availing the Loan
Documents to be produced for verification at the time of scrutiny:
Ration card (for verifying the name, income and the details of loan availed from any other financial institution.)
Age certificate (School certificate or Election Identity card or any other valid identity card).
School leaving certificate as proof of Caste/Religion. If there is any doubt regarding the caste (whether OBC or not) a certificate from the village officer should be submitted.
Certificate to prove technical qualification/experience required, if any (for e.g. Computer qualification, Type writing, Medical lab etc)
No Dues certificate from other financial agencies for the loans availed by the applicant if required.
Annual Family income Certificate from Village Officer.
Age certificate (School certificate or Election Identity card or any other valid identity card).
School leaving certificate as proof of Caste/Religion. If there is any doubt regarding the caste (whether OBC or not) a certificate from the village officer should be submitted.
Certificate to prove technical qualification/experience required, if any (for e.g. Computer qualification, Type writing, Medical lab etc)
No Dues certificate from other financial agencies for the loans availed by the applicant if required.
Annual Family income Certificate from Village Officer.
Condition pertaining to the Security of the Loan
Surety of the employee working under Government/ Government owned institution or land security should be submitted as surety for the Loan.
The surety of permanent /officiating employees working in Govt., Quasi Govt., public sector, Autonomous bodies, Govt. Owned companies, Service cooperative banks, Aided schools & Colleges etc. could be accepted. Surety of Private sector employees will not be accepted.
The tenure of service period of the surety should be 3 years more than the payback period of the loan availed.
Surety of one loan should not be encouraged to undertake another loan before closing the prior one. In simple words, one single surety should only undertake one single Loan.
The consolidated salary of the surety should be three times more than the monthly installments of the repayment of the Loan.
If the consolidated salary of one surety is not sufficient for the repayment, more than one employee can be considered.
In the case of sureties, who are working in any organization on deputation basis, a no objection certificate from his/her parent department is also to be produced.
The employees of KSWDC are not allowed to stand as surety in the corporation. This clause is applicable to all the direct and deputation staff.
The salary certificate should be obtained in prescribed format.
If the surety himself is the drawing officer, then the next higher officer should countersign the salary certificate.
If the surety is a gazette officer, the surety himself can sign in the salary certificate. In such cases, if applicable name of the treasury and Audit number of the officer should be noted in the salary certificate and the next higher officer should attest the signature of the officer. In this case the letter for confirmation should be sent to the officer who counter signed.
The salary certificate of the sureties working in KSEB, KWA and PWD should be signed by an officer not below the rank of Asst. Executive Engineer/OR countersigned by the Assistant Engineer, if the Asst. Engineer signs it.
In the case of sureties working in the Aided Schools/Colleges, the salary certificate should be signed by the Headmaster/Principal of the concerned institutions.
The salary certificate should contain the name, designation and office seal of the issuing officer or next higher officer if applicable.
For employees of central government and central government owned public undertakings /Autonomous bodies listed as sick units or if the manager thinks that the institution /company is a sinking unit or not a profitable one their surety will not be accepted.
The tenure of service period of the surety should be 3 years more than the payback period of the loan availed.
Surety of one loan should not be encouraged to undertake another loan before closing the prior one. In simple words, one single surety should only undertake one single Loan.
The consolidated salary of the surety should be three times more than the monthly installments of the repayment of the Loan.
If the consolidated salary of one surety is not sufficient for the repayment, more than one employee can be considered.
In the case of sureties, who are working in any organization on deputation basis, a no objection certificate from his/her parent department is also to be produced.
The employees of KSWDC are not allowed to stand as surety in the corporation. This clause is applicable to all the direct and deputation staff.
The salary certificate should be obtained in prescribed format.
If the surety himself is the drawing officer, then the next higher officer should countersign the salary certificate.
If the surety is a gazette officer, the surety himself can sign in the salary certificate. In such cases, if applicable name of the treasury and Audit number of the officer should be noted in the salary certificate and the next higher officer should attest the signature of the officer. In this case the letter for confirmation should be sent to the officer who counter signed.
The salary certificate of the sureties working in KSEB, KWA and PWD should be signed by an officer not below the rank of Asst. Executive Engineer/OR countersigned by the Assistant Engineer, if the Asst. Engineer signs it.
In the case of sureties working in the Aided Schools/Colleges, the salary certificate should be signed by the Headmaster/Principal of the concerned institutions.
The salary certificate should contain the name, designation and office seal of the issuing officer or next higher officer if applicable.
For employees of central government and central government owned public undertakings /Autonomous bodies listed as sick units or if the manager thinks that the institution /company is a sinking unit or not a profitable one their surety will not be accepted.
Land Security
Valuation certificate issued by the Tahsildar can be accepted. The market value of the land property should be at least 150% of the loan amount.
If the land property value is not sufficient as security for the loan amount sanctioned, the Regional Manager is permitted to re fix loan amount based on the ratio percentage as mentioned above
Following are the documents submitted for Land surety
If the land property value is not sufficient as security for the loan amount sanctioned, the Regional Manager is permitted to re fix loan amount based on the ratio percentage as mentioned above
Following are the documents submitted for Land surety
Application Form Details
Application forms can be obtained from the respective Regional/ District offices on all working days from 10:00 a. m. to 03:00 p. m.
Application fee:
a) Individual Loan – Rs. 10/-
a) Individual Loan – Rs. 10/-
b) For NGO – Rs. 100/-
c) Educational Loan – Rs. 25/-
Risk Fund would be maintained for all the Loans. The structure of Risk fund is as under:
(i) upto Rs. 50,000/- – Rs. 250/-
(ii) upto Rs. 1,00,000/- – Rs. 500/-
(iii) upto Rs. 1,50,000/- – Rs. 1000/-
(iv) Between Rs. 1,50,000 to Rs. 2,50,000/- – Rs. 1500/-
(v) Between Rs. 2,50,000/- to Rs. 3,50,000/- – Rs. 2000/-
(vi) Between Rs. 3,50,000/- to Rs. 5,00,000/- – Rs. 2500/-
Fees for verifying the deed/ hypothecation documents – Rs. 500
Rate of interest, in case of default is 12%.
Things to consider before taking self-employment loan in Kerala
Things to consider before Starting a self-employment loan in Kerala
(കേരളത്തിൽ ബാങ്ക് ലോൺ എടുത് ഒരു സംരംഭം ആരംഭിക്കുന്നതിന് മുൻപ് ശ്രദ്ധിക്കേണ്ട കാര്യങ്ങൾ )
project report(തുടങ്ങാൻ ഉദേശിക്കുന്ന സംരംഭത്തിന്റെ വിശദമായ വിവരണം )
- വയസ്
- പേര് & അഡ്രസ്
- വിദ്യാഭാസം
- പ്രവർത്തിപരിജയം
- തുടങ്ങാൻ ഉദേശിക്കുന്ന സ്ഥലം
- പഞ്ചായത്ത് / മുനിസ്സിപാലിറ്റി / കോർപറേഷൻ
- താലുക്ക്
- ജില്ല
സേവനം (service)- എതുതരത്തിലുള്ള സർവീസ് നൽകുന്നത് .
നിർമ്മാണം(production) - ഉത്‌പാദനപ്രക്രിയ വിവരിക്കുക.
4) വിപണിയും സാദ്ധ്യതയും
ഏറ്റവും അധികമായി വിശദീകരിക്കേണ്ട ഒരു ഭാഗം ഇതാണ് .
5) നിർമ്മാണ ചിലവ്
ഓരോ വർഷത്തിലുള്ള ലാഭം എത്ര എന്ന് വിവരിക്കുക
നിർമ്മാണം(production) - ഉത്‌പാദനപ്രക്രിയ വിവരിക്കുക.
4) വിപണിയും സാദ്ധ്യതയും
ഏറ്റവും അധികമായി വിശദീകരിക്കേണ്ട ഒരു ഭാഗം ഇതാണ് .
5) നിർമ്മാണ ചിലവ്
- വാടക
- യന്ത്രസാമഗ്രികളുടെ വില
- പ്രവർത്തന ചിലവ്
- പ്രാഥമികമായ ചിലവ്
ഓരോ വർഷത്തിലുള്ള ലാഭം എത്ര എന്ന് വിവരിക്കുക
Thursday, 12 May 2016
NORKA
നോർകാ ഡിപ്പാർട്ട്മെന്‍റ് പ്രോജക്ട് ഫോര്‍ റിട്ടേണ്‍ എമിഗ്രന്‍റസ് [NDPREM]
ഉദ്ദേശ്യം
1. തിരികെയെത്തിയ പ്രവാസികളെ ഒരു സംരംഭകരാക്കുന്നതിന് മാർഗ്ഗനിർദേശ്ശം നല്‍കുകയും മൂലധന സബ്സിഡി നല്‍കുകയും ചെയ്യുക.
2. തിരികെയെത്തിയ പ്രവാസികളെ പ്രത്യേക ഉപഭോക്താക്കളായി പരിഗണിച്ച് പുതിയ സംരംഭങ്ങൾ സർക്കാർ നടപടിക്രമങ്ങൾ പാലിച്ച് ആരംഭിക്കുന്നതിന് ആവശ്യമായ കൈതാങ്ങായി നിൽക്കുക .
3. തിരികെയെത്തിയ പ്രവാസികളുടെ ജീവിതമാർഗ്ഗത്തിനായി ഒരു സുസ്ഥിര സംരംഭക മാതൃക വികസിപ്പിക്കുക.
സവിശേഷതകൾ
1. തിരികെയെത്തിയ പ്രവാസികള്‍ക്ക് സ്വയം തൊഴിൽ സംരംഭങ്ങളിലൂടെ സുസ്ഥിര വരുമാനം.
2. തിരികെയെത്തിയ പ്രവാസികളുടെ സ്വയം തൊഴിൽ സംരംഭങ്ങളെ പ്രോത്സാഹിപ്പിക്കുന്നതിനായി കേരള സർക്കാരിന്‍െറ സമഗ്ര പദ്ധതി
3. 20 ലക്ഷം രൂപവരെ മൂലധന ചെലവ് പ്രതീക്ഷിക്കുന്ന സ്വയം തൊഴിൽ സംരംഭങ്ങൾക്ക് 15% മൂലധന സബ്സിഡി (പരമാവധി 3 ലക്ഷം രൂപ വരെ).
4. ചുരുങ്ങിയത് രണ്ടു വര്‍ഷം വിദേശത്ത് താമസിക്കുകയോ ജോലി ചെയ്യുകയോ ചെയ്തതിനുശേഷം സ്ഥിരമായി നാട്ടില്‍ മടങ്ങിയെത്തിയ പ്രവാസികളെയും അത്തരം പ്രവാസികൾ ചേർന്ന് രൂപീകരിച്ച കമ്പനി, ട്രസ്റ്റ്, സൊസൈറ്റി തുടങ്ങിയവയേയും പദ്ധതിയുടെ ആനൂല്യത്തിന് പരിഗണിക്കുന്നതാണ്.
5. താല്‍പര്യമുളള സംരംഭങ്ങള്‍ക്ക് വേണ്ടി പദ്ധതിയുടെ ഭാഗമായി മേഖലാടിസ്ഥാനത്തില്‍ പരിശീലന കളരികൾ, ബോധവല്‍ക്കരണ സെമിനാറുകൾ എന്നിവ നടത്തുന്നതാണ്.
അർഹത
ചുരുങ്ങിയത് രണ്ടു വർഷമെങ്കിലും വിദേശത്ത് ജോലി ചെയ്ത് മടങ്ങിയെത്തിയവരായ പ്രവാസികളും, അത്തരം പ്രവാസികള്‍ ഒത്തുചേർന്ന് ആരംഭിക്കുന്ന സംഘങ്ങളും ഈ പദ്ധതിയുടെ ഗുണഭോക്താക്കളായിരിക്കും.
മേഖലകൾ
1. കാർഷിക - വ്യവസായം (കോഴി വളർത്തൽ (മുട്ടക്കോഴി, ഇറച്ചിക്കോഴി), മത്സ്യകൃഷി (ഉൾനാടൻ മത്സ്യ കൃഷി, അലങ്കാര മത്സ്യ കൃഷി), ക്ഷീരോല്പാദനം, ഭക്ഷ്യ സംസ്കരണം, സംയോജിത കൃഷി, ഫാം ടൂറിസം, ആടു വളർത്തൽ, പച്ചക്കറി കൃഷി, പുഷ്പകൃഷി, തേനീച്ച വളർത്തൽ തുടങ്ങിയവ)
2. കച്ചവടം (പൊതു വ്യാപാരം - വാങ്ങുകയും വില്‍ക്കുകയും ചെയ്യൽ , കടകൾ )
3. സേവനങ്ങള്‍ (റിപ്പേയർ ഷോപ്പ്, റസ്റ്റോറന്‍റുകള്‍, ടാക്സി സർവ്വീസുകൾ, ഹോംസ്റ്റേ തുടങ്ങിയവ)
4. ഉത്പാദനം - ചെറുകിട - ഇടത്തരം സംരംഭങ്ങൾ (പൊടിമില്ലുകൾ , ബേക്കറി ഉൽപ്പന്നങ്ങൾ , ഫർണിച്ചറും തടിവ്യവസായവും, സലൂണുകൾ, പേപ്പർ കപ്പ്, പേപ്പർ റീസൈക്ളിംഗ്, ചന്ദനത്തിരി, കമ്പ്യൂട്ടർ ഉപകരണങ്ങൾ തുടങ്ങിയവ)
ആനുകൂല്യം
പരമാവധി ഇരുപത് ലക്ഷം രൂപ അടങ്കല്‍ മൂലധനചെലവ് വരുന്ന പദ്ധതികള്‍ക്ക് സംസ്ഥാനത്തെ വാണിജ്യ ബാങ്കുകളിൽ നിന്നോ സംസ്ഥാന സർക്കാർ നിയന്ത്രണത്തിലുളള കെ.എഫ്.സി, കെ.എസ്.എഫ്.ഇ തുടങ്ങിയ ധനകാര്യ സ്ഥാപനങ്ങളില്‍ നിന്നോ വായ്പകൾ അനുവദിക്കപ്പെട്ടതും, പ്രസ്തുത വായ്പാ തവണകളില്‍ മുടക്കം വരാതെ തിരിച്ചടയ്ക്കുകയും ചെയ്യുന്ന ഗുണഭോക്താക്കള്‍ക്ക് മൊത്തം തുകയുടെ 15 ശതമാനം 'ബാക്ക് എന്‍ഡ്' സബ്സിഡിയായി ബാങ്ക് വായ്പയില്‍ ക്രമീകരിച്ചു നല്‍കുന്നതുമാണ്. ബാങ്ക് നിബന്ധനകൾ പ്രകാരവും, ബാങ്കുമായുള്ള നോര്‍ക്ക റൂട്ട്സിന്‍റെ എം.ഒ.യു പ്രകാരവുമായിരിക്കും ലോണ്‍ അനുവദിക്കുന്നത്. ലോണ്‍ തുക / ഗഡുക്കള്‍ കൃത്യമായി തിരികെ അടയ്ക്കുന്നവര്‍ക്ക് ആദ്യ 4 വര്‍ഷം 3% പലിശ സബ്സിഡി നല്‍കുവാനും ഈ പദ്ധതിയില്‍ വിഭാവനം ചെയ്യുന്നു.
ലോണ്‍ തുകയുടെ മാസഗഡു മുടക്കം വരാതെ കൃത്യമായി അടയ്ക്കുന്നവർക്ക് സബ്സിഡി, പലിശ ഇളവ് എന്നിവയുടെ അനുകൂല്യം ലഭിക്കുന്നതാണ്. മാസഗഡു മുടക്കം വരുത്തുന്നവർ ബാങ്ക് വ്യവസ്ഥകള്‍ക്ക് വിധേയമായി മാസഗഡു അടച്ച് തീർത്താൽ മാത്രമേ മേൽപ്പറഞ്ഞ ആനുകൂല്യങ്ങൾ ലഭിക്കുകയുള്ളു. മാസഗഡു അടക്കാത്തപക്ഷം ഇത് നിഷ്ക്രിയ ആസ്തിയായി മാറുകയും ബാങ്കിന്റ നിയമനടപടികൾ നേരിടേണ്ടി വരുകയും ചെയ്യും.
നോർക്ക ഡിപ്പാർട്ട്മെന്‍റ് പ്രോജക്ട് ഫോര്‍ റിട്ടേണ്‍ എമിഗ്രന്‍റസ് പദ്ധതിക്ക് അപേക്ഷിക്കാൻ താത്പര്യപ്പെടുന്ന യോഗ്യരായ പ്രവാസികളും/സംഘങ്ങളും ആയതിനായി താഴെകാണുന്ന [REGISTER] ബട്ടണില്‍ ക്ലിക്ക് ചെയ്ത് തങ്ങളുടെ അപേക്ഷയും ബന്ധപ്പെട്ട രേഖകളും സമര്‍പ്പിക്കേണ്ടതാണ്.
അപേക്ഷയോടൊപ്പം സമർപ്പിക്കേണ്ട രേഖകൾ :
1. അപേക്ഷകന്‍റെ പാസ്പോർട്ട് സൈസ് ഫോട്ടോ [in .JPG format]
2. പാസ്പോർട്ടിന്‍റെ ബന്ധപ്പെട്ട പേജുകളുടെ പകർപ്പ് (വിദേശത്ത് തൊഴിൽ ചെയ്തിരുന്ന കാലയളവ് വ്യക്തമാകേണ്ടതാണ്) [in .PDF format]
3. തങ്ങളുടെ സംരംഭത്തിന്റെ സംക്ഷിപ്ത വിവരണം [in .PDF format]
[അപേക്ഷയോടൊപ്പം സമര്‍പ്പിക്കേണ്ട രേഖകള്‍ മുന്‍കൂറായി തയ്യാറാക്കിവച്ചതിനുശേഷം അപേക്ഷ സമര്‍പ്പിക്കുന്നത് ആരംഭിക്കുക]
1. തിരികെയെത്തിയ പ്രവാസികളെ ഒരു സംരംഭകരാക്കുന്നതിന് മാർഗ്ഗനിർദേശ്ശം നല്‍കുകയും മൂലധന സബ്സിഡി നല്‍കുകയും ചെയ്യുക.
2. തിരികെയെത്തിയ പ്രവാസികളെ പ്രത്യേക ഉപഭോക്താക്കളായി പരിഗണിച്ച് പുതിയ സംരംഭങ്ങൾ സർക്കാർ നടപടിക്രമങ്ങൾ പാലിച്ച് ആരംഭിക്കുന്നതിന് ആവശ്യമായ കൈതാങ്ങായി നിൽക്കുക .
3. തിരികെയെത്തിയ പ്രവാസികളുടെ ജീവിതമാർഗ്ഗത്തിനായി ഒരു സുസ്ഥിര സംരംഭക മാതൃക വികസിപ്പിക്കുക.
സവിശേഷതകൾ
1. തിരികെയെത്തിയ പ്രവാസികള്‍ക്ക് സ്വയം തൊഴിൽ സംരംഭങ്ങളിലൂടെ സുസ്ഥിര വരുമാനം.
2. തിരികെയെത്തിയ പ്രവാസികളുടെ സ്വയം തൊഴിൽ സംരംഭങ്ങളെ പ്രോത്സാഹിപ്പിക്കുന്നതിനായി കേരള സർക്കാരിന്‍െറ സമഗ്ര പദ്ധതി
3. 20 ലക്ഷം രൂപവരെ മൂലധന ചെലവ് പ്രതീക്ഷിക്കുന്ന സ്വയം തൊഴിൽ സംരംഭങ്ങൾക്ക് 15% മൂലധന സബ്സിഡി (പരമാവധി 3 ലക്ഷം രൂപ വരെ).
4. ചുരുങ്ങിയത് രണ്ടു വര്‍ഷം വിദേശത്ത് താമസിക്കുകയോ ജോലി ചെയ്യുകയോ ചെയ്തതിനുശേഷം സ്ഥിരമായി നാട്ടില്‍ മടങ്ങിയെത്തിയ പ്രവാസികളെയും അത്തരം പ്രവാസികൾ ചേർന്ന് രൂപീകരിച്ച കമ്പനി, ട്രസ്റ്റ്, സൊസൈറ്റി തുടങ്ങിയവയേയും പദ്ധതിയുടെ ആനൂല്യത്തിന് പരിഗണിക്കുന്നതാണ്.
5. താല്‍പര്യമുളള സംരംഭങ്ങള്‍ക്ക് വേണ്ടി പദ്ധതിയുടെ ഭാഗമായി മേഖലാടിസ്ഥാനത്തില്‍ പരിശീലന കളരികൾ, ബോധവല്‍ക്കരണ സെമിനാറുകൾ എന്നിവ നടത്തുന്നതാണ്.
അർഹത
ചുരുങ്ങിയത് രണ്ടു വർഷമെങ്കിലും വിദേശത്ത് ജോലി ചെയ്ത് മടങ്ങിയെത്തിയവരായ പ്രവാസികളും, അത്തരം പ്രവാസികള്‍ ഒത്തുചേർന്ന് ആരംഭിക്കുന്ന സംഘങ്ങളും ഈ പദ്ധതിയുടെ ഗുണഭോക്താക്കളായിരിക്കും.
മേഖലകൾ
1. കാർഷിക - വ്യവസായം (കോഴി വളർത്തൽ (മുട്ടക്കോഴി, ഇറച്ചിക്കോഴി), മത്സ്യകൃഷി (ഉൾനാടൻ മത്സ്യ കൃഷി, അലങ്കാര മത്സ്യ കൃഷി), ക്ഷീരോല്പാദനം, ഭക്ഷ്യ സംസ്കരണം, സംയോജിത കൃഷി, ഫാം ടൂറിസം, ആടു വളർത്തൽ, പച്ചക്കറി കൃഷി, പുഷ്പകൃഷി, തേനീച്ച വളർത്തൽ തുടങ്ങിയവ)
2. കച്ചവടം (പൊതു വ്യാപാരം - വാങ്ങുകയും വില്‍ക്കുകയും ചെയ്യൽ , കടകൾ )
3. സേവനങ്ങള്‍ (റിപ്പേയർ ഷോപ്പ്, റസ്റ്റോറന്‍റുകള്‍, ടാക്സി സർവ്വീസുകൾ, ഹോംസ്റ്റേ തുടങ്ങിയവ)
4. ഉത്പാദനം - ചെറുകിട - ഇടത്തരം സംരംഭങ്ങൾ (പൊടിമില്ലുകൾ , ബേക്കറി ഉൽപ്പന്നങ്ങൾ , ഫർണിച്ചറും തടിവ്യവസായവും, സലൂണുകൾ, പേപ്പർ കപ്പ്, പേപ്പർ റീസൈക്ളിംഗ്, ചന്ദനത്തിരി, കമ്പ്യൂട്ടർ ഉപകരണങ്ങൾ തുടങ്ങിയവ)
ആനുകൂല്യം
പരമാവധി ഇരുപത് ലക്ഷം രൂപ അടങ്കല്‍ മൂലധനചെലവ് വരുന്ന പദ്ധതികള്‍ക്ക് സംസ്ഥാനത്തെ വാണിജ്യ ബാങ്കുകളിൽ നിന്നോ സംസ്ഥാന സർക്കാർ നിയന്ത്രണത്തിലുളള കെ.എഫ്.സി, കെ.എസ്.എഫ്.ഇ തുടങ്ങിയ ധനകാര്യ സ്ഥാപനങ്ങളില്‍ നിന്നോ വായ്പകൾ അനുവദിക്കപ്പെട്ടതും, പ്രസ്തുത വായ്പാ തവണകളില്‍ മുടക്കം വരാതെ തിരിച്ചടയ്ക്കുകയും ചെയ്യുന്ന ഗുണഭോക്താക്കള്‍ക്ക് മൊത്തം തുകയുടെ 15 ശതമാനം 'ബാക്ക് എന്‍ഡ്' സബ്സിഡിയായി ബാങ്ക് വായ്പയില്‍ ക്രമീകരിച്ചു നല്‍കുന്നതുമാണ്. ബാങ്ക് നിബന്ധനകൾ പ്രകാരവും, ബാങ്കുമായുള്ള നോര്‍ക്ക റൂട്ട്സിന്‍റെ എം.ഒ.യു പ്രകാരവുമായിരിക്കും ലോണ്‍ അനുവദിക്കുന്നത്. ലോണ്‍ തുക / ഗഡുക്കള്‍ കൃത്യമായി തിരികെ അടയ്ക്കുന്നവര്‍ക്ക് ആദ്യ 4 വര്‍ഷം 3% പലിശ സബ്സിഡി നല്‍കുവാനും ഈ പദ്ധതിയില്‍ വിഭാവനം ചെയ്യുന്നു.
ലോണ്‍ തുകയുടെ മാസഗഡു മുടക്കം വരാതെ കൃത്യമായി അടയ്ക്കുന്നവർക്ക് സബ്സിഡി, പലിശ ഇളവ് എന്നിവയുടെ അനുകൂല്യം ലഭിക്കുന്നതാണ്. മാസഗഡു മുടക്കം വരുത്തുന്നവർ ബാങ്ക് വ്യവസ്ഥകള്‍ക്ക് വിധേയമായി മാസഗഡു അടച്ച് തീർത്താൽ മാത്രമേ മേൽപ്പറഞ്ഞ ആനുകൂല്യങ്ങൾ ലഭിക്കുകയുള്ളു. മാസഗഡു അടക്കാത്തപക്ഷം ഇത് നിഷ്ക്രിയ ആസ്തിയായി മാറുകയും ബാങ്കിന്റ നിയമനടപടികൾ നേരിടേണ്ടി വരുകയും ചെയ്യും.
നോർക്ക ഡിപ്പാർട്ട്മെന്‍റ് പ്രോജക്ട് ഫോര്‍ റിട്ടേണ്‍ എമിഗ്രന്‍റസ് പദ്ധതിക്ക് അപേക്ഷിക്കാൻ താത്പര്യപ്പെടുന്ന യോഗ്യരായ പ്രവാസികളും/സംഘങ്ങളും ആയതിനായി താഴെകാണുന്ന [REGISTER] ബട്ടണില്‍ ക്ലിക്ക് ചെയ്ത് തങ്ങളുടെ അപേക്ഷയും ബന്ധപ്പെട്ട രേഖകളും സമര്‍പ്പിക്കേണ്ടതാണ്.
അപേക്ഷയോടൊപ്പം സമർപ്പിക്കേണ്ട രേഖകൾ :
1. അപേക്ഷകന്‍റെ പാസ്പോർട്ട് സൈസ് ഫോട്ടോ [in .JPG format]
2. പാസ്പോർട്ടിന്‍റെ ബന്ധപ്പെട്ട പേജുകളുടെ പകർപ്പ് (വിദേശത്ത് തൊഴിൽ ചെയ്തിരുന്ന കാലയളവ് വ്യക്തമാകേണ്ടതാണ്) [in .PDF format]
3. തങ്ങളുടെ സംരംഭത്തിന്റെ സംക്ഷിപ്ത വിവരണം [in .PDF format]
[അപേക്ഷയോടൊപ്പം സമര്‍പ്പിക്കേണ്ട രേഖകള്‍ മുന്‍കൂറായി തയ്യാറാക്കിവച്ചതിനുശേഷം അപേക്ഷ സമര്‍പ്പിക്കുന്നത് ആരംഭിക്കുക]
Wednesday, 11 May 2016
Sample Project reports
Project reports
PROJECT PROFILES
MECHANICAL PROJECT PROFILES
- Project Profile On Automobile Silencer
- Project Profile On Portable Jib Crane
- Project Profile On Link Chain
- Project Profile On Panel Pins & Shoe Tacks
- Project Profile On Rolling Shutters
- Project Profile On Cylinder Liner
- Project Profile On Self Tapping Screw
- Project Profile On Submersible Pumps
- Project Profile On Steel Furniture
- Project Profile On Aluminium Fabrication
- Project Profile On Wrought Iron Furniture
- Project Profile On M.S. and High Tensile Nuts and Bolts
- Project Profile On Agricultural Implements
- Project Profile On Auto Leaf Springs
- Project Profile On Computer Furniture
- Project Profile On Operation Theater Table
- Project Profile On G.P. Bucket
- Project Profile Machine Vices
- Project Profile On Cane Furniture
- Project Profile On Engineering Scale
- Project Profile On Soft Jaws for CNC Lathe
- Project Profile On Gear Blanks Manufacturing
- Project Profile On Macro Pulverizer
- Project Profile On Mosquito Coil Stand
- Project Profile On Hacksaw Blade
- Project Profile On Control Pipes for Two Wheelers
- Project Profile On Hydraulic Jack up to 30 Ton capacity
- Project Profile On Automobile Wires
- Project Profile On Piston Ring
- Project Profile On Bicycle Rims
- Project Profile On Air Filter for Two Wheelers
GLASS & CERAMICS PROJECT PROFILES
HOSIERY PROJECT PROFILES
| 73 | |
| 74 | Project Profile On Computerized Machine |
| 75 | Project Profile On Gents Shirts And Trousers |
| 76 | Project Profile On Knitted Blouses |
| 77 | Project Profile On Ladies� Swimwear's |
LEATHER PROJECT PROFILES
CHEMICAL PROJECT PROFILES
METALLURGY PROJECT PROFILES
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