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Desired Loan Amount Below 25,00025,000 - 40,00040,000 - 75,00075,000 - 1,00,0001,00,000 - 1,50,0001,50,000 - 2,50,0002,50,000 - 5,00,0005,00,000 - 8,00,0008,00,000 - 12,00,00012,00,000 - 15,00,00015,00,000 & Above City MumbaiDelhi/NCRHyderabadThaneBangaloreChennaiNew MumbaiGurgaonNoidaKolkataPuneChandigarh----------------AhmedabadAurangabadBarodaBhopalBhubneshwarCochinCoimbatoreCuttackDehradunFaridabadGuwahatiHosurIndoreJabalpurJaipurJamshedpurKanpurKochiLucknowLudhianaMaduraiMangaloreMysoreNagpurNasikPatnaRanchiSahibabadSecundrabadSuratThiruvanthapuramTrichyTrivandrumVadodaraVhyzakVishakapatanam----------------Others Date of Birth 12345678910111213141516171819202122232425262728293031 JanFebMarAprMayJunJulAugSepOctNovDec 19201921192219231924192519261927192819291930193119321933193419351936193719381939194019411942194319441945194619471948194919501951195219531954195519561957195819591960196119621963196419651966196719681969197019711972197319741975197619771978197919801981198219831984198519861987198819891990 Employment Status SalariedSelf Employed Months in Current Employment Less than 12 months12 - 18 Months18 -24 Months24 - 48 Months48 - 60 MonthsMore than 60 Months Type of Organization ProprietorshipPartnershipMNCPrivate LimitedPublic Ltd How Do You Recieve Your Salary Directly in bank accountChequeCash Your Annual Income Below Rs. 60,000 yearly60,000 - 96,000 yearly96,000 - 1,20,000 yearly1,20,000 - 1,44,000 yearly1,44,000 - 1,80,000 yearly1,80,000 - 2,40,000 yearly2,40,000 - 3,00,000 yearly3,00,000 - 3,60,000 yearly3,60,000 - 4,80,000 yearly4,80,000 - 6,40,000 yearly6,40,000 - 8,20,000 yearly8,20,000 - 10,00,000 yearlyabove 10,00,000 yearly Maximum Education Qualification Ph.D / DoctoratePost Graduation / MastersGraduateUnder Graduate Residence OwnedRentedCompany LeaseFamily Owned/RentedRented /Bachelor Accomodation No of Years at Current Residence Less than 1 yearMore than 1 year1 year Do You Own a Credit Card YesNo Are You Running Any Other Loan YesNo Purpose of Filling Up This Form Need A LoanProduct EnquiryResearchJust Browsing Through The Site When Do You Need This Loan NowNext 7 DaysNext 15 DaysNext 30 DaysFuture Requirements

Canera Bank

Canara Bank launches new loan scheme for SMEs

Under the scheme SMEs would be given term loans at a rate of interest that is 1 per cent less than the normal rate.

BANGALORE, DHNS:

Keeping in line with the current emphasis on Small and Medium Enterprises, Canara Bank on Saturday announced the launch of a new scheme targeting the energy efficiency sector.

The scheme, launched by the Chairman and Managing Director of the Bank R V Shastri at a function organised by the Peenya Industries Association, is part of a three-nation initiative from India, Brazil and China, sponsored by UNEP, UN Foundation and World Bank.

The three-country energy efficiency project focuses on encouraging commercial banks from the three designated countries to expand credit facilities and to increase investments in energy efficiency projects through various financing models, especially those targeting the end-use facilities.

Under the scheme SMEs would be given term loans at a rate of interest that is 1 per cent less than the normal rate and with a margin of 10 per cent against the 15 to 20 per cent of the project cost.

Small and Medium Enterprises who consume a large quantum of energy in their production processes would be eligible to be a part of the scheme.

SMEs would need to undergo an energy audit and submit project reports specifying measures for energy efficiency.

A grant of 25 per cent of the cost of energy audit and consultancy charges with a maximum of Rs 25,000 to the first 100 units would be provided on a first come first serve basis, besides the Rs 25,000 grant extended by the Indian Renewable Energy Development Agency (IREDA).

“Energy cost is a significant part of the production cost in many industries. With the dramatic rise in the cost of energy in the processing and servicing units, SMEs have been left without much of a financial support to implement efficiency measures to control costs. Large corporates, on the other hand, have been able to implement energy efficiency measures on their own and thereby reduce cost of production. The concessional lending is to ensure energy efficiency in the SME sector too,” Shastri said.

“Given the fact that there is a 13 per cent peak shortage level in electricity generation in the country and with a potential for energy conservation at 23 per cent, nearly 40 MW of power can be saved if SMEs are given sufficient end-use support to remove inefficiencies in generation,” said R Prabha General Manager, Canara Bank, Priority Credit Wing in his presentation detailing the scheme.

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NEW DELHI: The government on Monday said it was not in a position to undertake any new responsibility by way of another loan waiver scheme for farmers as the priority before it was to implement the Rs. 60,000-crore scheme announced during the budget.

Replying to supplementaries during the question hour in the Lok Sabha, Agriculture Minister Sharad Pawar said the immediate task was to fulfil the commitment made to small and marginal farmers. “Let us implement the loan waiver scheme first and see the results before initiating any new scheme.”

Mr. Pawar was responding to members’ queries on whether the government proposed to increase the limit of two hectares to cover more farmers under the scheme.

Some States had demanded an increase in the land holding limit in the drought-prone areas and separate guidelines for irrigated and un-irrigated land.

Loans from moneylenders

Mr. Pawar said there was no specific scheme to cover loans taken from private moneylenders as there were no records of such loans. There was no provision to bring those farmers whose landholdings were more than two hectares under the waiver scheme.

However, the small and marginal farmers, who had any overdue till December 31, 2007, were eligible for the waiver.

The government estimated that about three crore small and marginal farmers, comprising 81 per cent of the community, would benefit from the debt waiver scheme. All direct agricultural loans disbursed by scheduled commercial banks, regional rural banks and cooperative credit institutions up to March 31, 2007 and overdue as on December 31, 2007, would come under the scheme.

Complete waiver

Marginal farmers with holdings up to one hectare and small farmers having up to two hectares would get a complete waiver of loans that were overdue as on December 31, 2007 and which remained unpaid till February 29, 2008.

For other farmers, there would be a one-time settlement scheme for loans that were overdue for the same time under which a rebate of 25 per cent would be given against payment of the balance 75 per cent.

For the non-defaulting farmers, relief was being given by bringing down the rate of interest from 12 to 7 per cent. The scheme would come into being from June 30 and it was planned to spend Rs. 20,000 crore this financial year.

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