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We
have simplified the project appraisal system for speedy sanctions to
SMEs.
No
collateral security is required for loans upto Rs.5 lakhs.
We
also waive collateral security requirements for SME units for loans
above Rs.5 lakhs and upto Rs.25 lakhs based on good track record.
The
working capital limits are sanctioned according to the Nayak committee
recommendation, which is 20% of sales turnover or in line with the
traditional method, whichever is higher.
We extend consultancy services through
Technical Consultancy Cell at Head Office.
The Technical Officers (SSI), are trained for comprehensive
techno-economic studies.
The Technical Consultancy Cell offers support to the customers
in the following areas.
•
Counselling to first generation entrepreneurs.
•
Project appraisal and validation
• Technical feasibility, commercial &
economic viability of the projects.
• Techno-managerial studies of individual
firms for enhancing their competitiveness in
key areas like marketing, costing & pricing etc.
Our
Consultancy Cell also conducts industrial studies based on cluster
approach methodology & develops schemes cluster wise.
It also organizes the technological upgradation awareness
programmes in co-ordination with the specialized government agencies.
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