LOAN PRODUCTS TO MICRO, SMALL & MEDIUM ENTERPRISES

Schemes for Capital Investment

• Term loan for acquisition of fixed assets
  
  
• Standby credit for capital expenditure
  
  
• Standby term loan scheme for Apparel Exporters
  
  
• Loan scheme for reimbursement of investment made in fixed assets by SMEs
  
  
• Soft loan scheme for Solar Water Heaters
  
  
• Scheme for Energy Savings for SMEs
  
  
• Restructured Technology Upgradation Fund scheme (TUFS) for textile & jute industries in SME sector
  
  
• Credit linked capital subsidy scheme (CLCSS)
  
  
• 15% Margin Money Subsidy Scheme under TUFS (MMS@15%TUFS)
  
  
• 20% Margin Money Subsidy Scheme under Technology Upgradation Fund scheme (MMS@20%TUFS) for power loom sector
  
  
• Co-financing arrangement with Small Industries Development Bank of India (SIDBI) for projects under Small Enterprises (SE), Service Sector and related infrastructure projects
  
  
• Loan scheme for acquisition of ISO 9000 series certification
  
  
• Loans under Interest Subsidy Eligibility Certificate (ISEC) Scheme of Khadi & Village Industries Commission (KVIC) to eligible institutions
  
  
• Canara Guide
  
  
• Non fund based facility – Deferred payment guarantees
  
  
• Scheme for rejuvenation, modernization & technology upgradation-REMOT
  
  

Schemes for Working Capital

• Simplified Open Cash Credit (SOCC)
  
  
• Open Cash Credit (OCC)
  
  
• Micro financing joint liability groups (Handloom weaver & Agarbathi manufacturer groups)
  
  
• Laghu Udhyami Credit Card (LUCC)
  
  
• Bill of Exchange discounting facility to Small Entrepreneurs at concessional rate of interest (BE-SE)
  
  

Schemes for Composite requirements

• Composite loan scheme (CLS)
  
  
• Artisan Credit Card (ACC)
  
  
• Doctor’s Choice
  
  
• Prime Ministers' Employment Generation Programme (PMEGP)
  

Others

• Export Finance schemes
  
  
• Foreign currency loan for residents (FCLR)
  
  
• Non fund based limits
  
  
• Rehabilitation/Nursing of Sick Small Enterprises (Manufacturing) units
  
  
• Debt Restructuring Mechanism for Small & Medium Enterprises (Manufacturing) units
  
  
• Credit Guarantee Fund Scheme for Micro and Small Enterprises (CGMSE)
  
  
• Rating of SMEs by External Agencies