Professional Documents
Culture Documents
INDEX
S.No
1 Acceptance
Particular
of
Agricultural
Collateral Security
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
Land
Page No Item No
63
42.2
as
Advance Margin
Age Limit
Analysis of Profit and Loss A/c
Approval from local authorities
Assets considered for collateral purpose
Bankers opinion
Banned Industries - List
Body building rates for Lorry, Passenger Bus,
Mini Bus and Van
Borrower who have settled earlier loans by
availing other than simple interest waiver
Borrower who have settled earlier loans under
ND&ND Scheme
Brick Kiln Rate
Building Rates
Business Intelligence Report (BIR)
CIBIL Defaulters list
Classificaiton of industries
Collateral Security Norms
Competitive quotation
Concluding Remarks
Contingencies
Corporate bodies
Cost of the Project
Credit Rating
DC Lands
Debt-Equity items
Details of Loan availed from Banks
Details of Loan availed from TIIC
Electrical
Entrepreneurs Memorandum for MSME
Expenditure incurred prior to the date of
application - Building
Expenditure incurred prior to the date of
application - Land
Firms
Fixed deposit - as collateral security
GREEN CATEGORY Industries
Green Field unit
47
13
20
52
64
16
70
36
37.2
10.1
14.2
41.5
42.3
13.0
Annexure I
22.0
12
9.2
12
9.3
26
24
14
15
8
54
35
69
41
10
21
66
65
44
13
11
40
52
37
17.2
17.1
10.3
12.0
7.0
42.0
21.3
45.0
28.0
8.1
16.0
43.0
42.6
34.0
9.4
9.0
26.0
41.1
23.2
37
23.1
11
64
75
2
8.2
42.4
Annexure II
3.0
INDEX
S.No
Particular
36 Guideline for valuation
Page No Item No
62
42.1
29
21.1.3
30
21.1.4
29
29
29
31
21.1.2
21.1
21.1.1
21.1.5
32
21.1.7
12
48
48
1
4
9.1
38.2
38.1
1.0
5.1
49
50
51
52
53
5
3
2
14
22
5.3
5.0
2.0
11.0
16.1.1
54 Lead Time
55 Leasehold premises at SIDCO Industrial Estate
2
22
4.0
16.1.2
22
16.1.3
27
18.2
26
18.1
27
18.3
Investigation fees
Investigation Fees Table and other fees
ISO Code
KYC norms
Land - SIDCO/SIPCOT/DIC/Govt.Industrial
Estate Sheds/Plots
INDEX
S.No
Particular
Page No Item No
60 Machinery purchased prior to six months and
37
23.3
up to eighteen months, prior to the date of filing
of application
61 Machinery purchased within six months prior to
38
23.4
the date of filing of application
62 Machinery Suppliers - Approved Manufacturers
34
21.2.2
63
64
65
66
67
68
69
70
71
34
33
11
8
47
42
50
13
27
21.2.3
21.2.1
8.3
7.1.1
37.1
32.0
39.0
10.2
19.2
28
19.3
31
72
5
75
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
71
71
41
34
29
52
28
41
5
45
69
23
Annexure II
Annexure II
29.0
21.2.4
21.0
41.3
20.0
30.0
5.4
36.0
44.0
16.1.5
21.1.6
Annexure II
5.5
Annexure II
5.2
INDEX
S.No
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
Particular
Page No Item No
Repayment Schedule
50
40.0
Risk Coverage Receipts
6
5.7
Sanctioning Authority
7
6.0
Scheme & Eligibility
21
15.0
Second Hand SIDCO Sheds
23
16.1.4
Security and Margin on Security
47
37.0
Servicing Enterprises
9
7.1.2.
Subsidy Eligibility
43
33.0
Technical Know how
41
27.0
Third Party Collateral Security
65
42.5
TNPCB Consent
52
41.6
Transport & Erection
40
25.0
Turnkey Projects
39
24.0
Unsecured Loan
45
35.0
Upfront Fee
6
5.6
Water
52
41.4
Working capital Margin/Requirement
41
31.0
Working Results & Financial Position of the
17
14.1
applicant/associate concern
HO/Projects/Guidelines/2011-12
05.05.2011
1.0
INTRODUCTION:
viz.,BSC/RLSC/HSC/EC/BOARD,
the
latest
-2-
2.0
ISO Code:
4
5
6
7
9
10
11
Format No.
Note
to
the
Head
Office
Screening Committee
Memorandum to the E.C/Board
Note for sanction of Financial
Assistance
under
Transport
Scheme by B.M
Memorandum to the Branch
Sanction Committee
Appraisal Memorandum for Bill
Finance Scheme
Sanction Letter for TL against
Credit Linked Capital Subsidy
Terms
and
Conditions
of
sanction of assistances
(Tpt. Loan only)
Terms and conditions of sanction
for
proprietary/
partnership
concern
Terms
and
Conditions
of
sanctions for Corporate Body
Terms and conditions for Bill
Finance
Sanction of Subsidy Bridge Loan
(SBL) Intimation
QP/05/HO/F/11
QP/05/HO/F/12
QP/05/BR/F/06
QP/05/BR/F/07
QP/05/BR/F/08
QP/05/BR/F/10
QP/05/BR/F/13
QP/05/BR/F/14
QP/05/BR/F/15
QP/05/BR/F/16
QP/05/HO/BR/F/17
4.0
-3-
S.No.
Sanctioning Authority
i.
ii.
By Board
By Executive Committee /
Regional
Loan
Sanction
Committee
Bill Finance Scheme
RLSC
BSC
By Branch Sanction Committee
- TL/WCTL
Iv
iv.
* Lead-time
(No. of Working
Days)
35
25
14
07
18
v.
By Branch Manager TPT. Loan
07
-4-
9.
Investigation
Fees including
non refundable
Registration fee
(Excluding
Service Tax)
Rs.
500/-
10
No fee
11
5,000/-
12
Sl.
No
5.1
stages
under
the
heads
of
Registration
Fee
and
-5-
5.2
Investigation fees.
shall
be
collected
before
sanctioning
of
SBL/TLCE.
5.5.
a.
b.
The
balance
Investigation
fees
paid
as
second
c.
d.
-6-
Ref:
5.6.
1.
HO/PROJECTS/02-30/P-27/2008-09
Dated: 31/12/2008
2.
TIIC/HO/Proj-subsidy/02-18/P-34/2008-09
Dated: 23/07/2008
up
to
Rs.2.00
Lakhs
(Including
existing
Ref:
5.7.
-7-
By
By Branch
Branch
Sanction
Manager Committee
For all Branches except
SRB
10
50
(
-50
of
&
I. Transport Loan
II. Term Loans
including take over
Bank/SIPCOT loans
EFS)
III. Term loans for existing
Customers**
(including
take over of Bank/SIPCOT
loans & EFS)
(Total
Group
exposure(II+III) should not
exceed
Open Term loan
Clean Term loan
Bill Finance TNEB (-)
Bill Finance TWAD (-)
Take over loan
Drawee Bill Scheme
Drawee Bill for Existing
customers
Generator
Loans
Irrespective
of
loan
outstanding
Working
Capital
Term
Loan
to
the
existing
assisted & non-assisted
Modern Rice Mills units,
manufacturing
and
Processing
Industries
(WCTL-MPI) & for Service
Sector Units (WCTL - SS)
By
RLSC
By
EC
100
300
300
--
75
150
500
--
100
200
900
--------
50
10
300
300
-50
75
100
50
-100
150
300
300
500
--
50
--
--
--
Where
TL
Outstanding
and
WCTL
is
within
BSC Limits..
100
-(irrespe
ctive of
loan
outstan
ding)
-8-
Ref: HO/DGM(PROJ)/2007-08
dt: 16/05/2007
HO/Projects/02-15/P-156/2009-10
dt: 14/08/2009
HO/Projects/02-12/P-86/2010-11 08.06.2010
HO/Projects/02-11/P-229&262 dated 15/05/10
7.0
b)
c)
-9-
ii)
iii)
iv)
v)
vi)
vii)
viii)
ix)
- 10 -
x)
xi)
MANAGEMENT:
8.1
Corporate bodies:
Date: 27/05/2008
Dt: 24/08/2010
- 11 -
9.0
- 12 -
2.
3.
4.
5.
6.
7.
9.3.
2.
Ref: PROJ/02-7/P-1/2000-2001
DT: 25/04/2000
- 13 -
- 14 -
Dt: 15/05/2002
DT: 14/11/2002
Dt:21/07/2004
11.0
KYC norms:
KYC forms for all new applicants shall be obtained as per
- 15 -
a.
b.
- 16 -
Modified Guidelines
Ref:HO/Projects-Dev.W/07-24/P-1/2006-07 Dt:01/12/2006
- 17 -
Position
of
the
- 18 -
- 19 -
Remarks:
Ratios:
As on
Net worth (Rs. In lakhs)
Operating Profit (PBDIT) to
Total income
Net profit to Total income
Current Ratio
Quick Ratio
Debt Equity Ratio
Return on Capital employed
Return on Net Worth
- 20 -
Ratio
Current Ratio
Quick ratio
Debt Equity ratio
Norms
1.33:1.00
1.00:1.00
2.00 :1.00
Note:
Expenditures shall be grouped as per the format. Major expenditure
of the company shall be highlighted.
- 21 -
15.0
16.0
- 22 -
16.1. Land:
16.1.1.For
SIDCO/SIPCOT/DIC/Govt.Industrial
Estate
Sheds /Plots following documents shall be obtained:
a. Original allotment order
b. Copy of memorandum of undertaking
c. Original sale deed, if executed by the above authorities.
d. NOC from the above agency to mortgage the land/shed in
favour of TIIC for the loan assistance.
e. Handing over/taken over letter/boundary certificate.
f. EC from the date of allotment
16.1.2. For setting up of units in leasehold premises at
SIDCO Industrial Estate
An undertaking / indemnity shall be obtained from the
lessee of SIDCO shed to pay all dues to SIDCO for availing the
loan assistance from the Corporation, in addition to other
particulars for units set up in leasehold premises.
Ref: Legal/11/02/2006 Dt: 27/01/2006
16.1.3. Leasehold private Land / Leasehold private Land &
Building:
If the loan is for construction of building in a leasehold
land then the unit shall enter into a registered lease
agreement for 30 years with the owner of land as per the
format available with our legal department.
The
- 23 -
2.
3.
4.
5.
- 24 -
2.
3.
i) Ground Floor
6800
8600
6400
8040
5800
7725
5450
7235
6000
5200
5600
7760
10925 7310
10245
6600
9830
9220
6210
- 25 -
For colour mosaic / ceramic tile floors, Rs.120/sq.m. extra may be provided.
b.
c.
- 26 -
construction
of
kiln.(Ref:
HO/Projects/02-02/
- 27 -
2.
3.
4.
5.
6.
- 28 -
19.3. Existing
premises:
Assisted
units
functioning
from
own
19.3.1. If the fixed assets namely factory land and building are
under charge to TIIC and the Banker is not having second
charge over the fixed assets, 'NO Lien" letter is not required.
19.3.2. If the second charge has been ceded to the Bankers in
the prescribed format, no lien letter is not required because in
the letter ceding second charge, there exists a specific condition
that TIIC will continue to have first charge on fixed assets
whenever the Corporation considers subsequent loans.
19.3.3. If the Banker is having first charge over the fixed assets
namely factory land, building and plant and machinery of the
applicant unit then a letter from the banker indicating that they
will not have any lien on the proposed fixed assets to be
financed by TIIC has to be obtained.
19.3.4. In all cases where "No lien" is not obtained from the
Banker, the Banker has to be informed of our loan and charge
after the first disbursement is made.
Ref: Projects/(AW)/02-23/P-244/2005-06 Dt: 22/04/05
20.0
- 29 -
21.0
- 30 -
b.
c.
d.
e.
2).
a.
b.
3).
a.
b.
c.
- 31 -
Ref: PROJ/02-42/P-15/2000-01
DT:10/10/2000
quality
of
performance,
efficiency
- 32 -
The Chartered
- 33 -
3]
4]
5]
6]
7]
8]
9)
10)
be
Machinery:
21.2.1.STANDARD/REPUTED Manufacturer.
a). No need for inspection of supplier, obtaining of competitive
quotations, Retention / Valuation Clause.
b) Authorised agents/dealers may be considered for supply of
machinery.
b). Direct payment can be made after applicant's request &
confirming readiness of M/C from the supplier.
- 34 -
i.
ii.
- 35 -
Existing
TIIC for
years and
classified
category.
customers of
more than 3
loan account is
in Standard
- 36 -
Passenger Bus
Tata City 45 Seater
Tata Marcopolo 45 seater
Tata City Moffusil 54 Seater
Tata City Semi Luxury 54 Seater
Leyland 45 Seater
Leyland Semi- Luxury 57 Seater
Leyland All India Coach 35 Seater
Hi-Tech Body Building 59 Seater
(i)
4.30
11.00
4.75
5.40
4.30
5.50
8.50
6.00
13.00
3.00
3
4
(a)
(b)
(i)
(ii)
(iii)
(iv)
(v)
V
(i)
(ii)
Lorries
Cabin Building Only
Cabin and Body Building
Tata 407 (Open Type)
Tata LPT (Half Body)
Tata Cabin with Full Body
ALCO Comet-1611 (Six Wheels)
ALCO Taurus (Ten Wheels)
Oil Tanker
Cabin & 12 KL MS Oil Tanker
Cabin & 20 KL MS Oil Tanker
2.50
0.80
1.00
1.80
2.25
2.00
2.25
2.10
2.80
Dt 22/01/2010
- 37 -
- 38 -
2.
3.
4.
5.
6.
- 39 -
7.
8.
9.
Turnkey Projects:
- 40 -
- 41 -
27.0
Contingencies:
Other Assets:
The amount required for other assets i.e. for the purchase
of Office Equipments, Furniture, Fittings etc. shall be furnished.
30.0
- 42 -
Items
Raw materials
Working Expenses
Finished goods
Sale bills
Working capital required
Less : Eligible Bank Loan
Period
Amount
.00 lakhs
32.0
Means of Finance:
- 43 -
CAPITAL:
Capital for Limited company should be in the form of
share capital for new units.
If unsecured loan is permitted, then it should not be more
than 50% of the equity (capital). Unsecured Loan should
not carry interest and it should not be withdrawn during
the pendency of the loan.
For existing profit making units(Corporate bodies), the
capital may be brought in by way of internal generation.
For Proprietary & Partnership concerns, the capital
stipulated shall be only in the form of capital
contribution.
Unsecured loan is not permitted
proprietary/ partnership concern.
as
capital
in
- 44 -
34.0
Equity
ADD:
1. TIIC-Term loan (Existing &
Proposed) *
2. Term loan from Banks and
other institutions (Both existing
and proposed if any)
3.Unsecured loan
(Other than Directors/Interest
bearing)
4. IFST loan
ADD:
1. Capital (Paid up capital /
Proprietors / Partners capital)
2. Current account **
(Proprietor/partner)
4.Unsecured
loan
from
Directors(Quasi-equity)
5.Soft Loan TIIC
6.Profit and loss account (Profit
i.e. credit balance)
LESS: (DEDUCT)
1.Profit & Loss A/c (Loss is any,
i.e. Debit balance)
2.Current A/c (Debit Balance)
3. Goodwill
4.Pre-operative
expenses
not
written off.
: 4.00 : 1.00
: 3.00 : 1.00
Dt: 11/09/ 2007
- 45 -
35.0
Unsecured Loan:
ii.
The unsecured loan will not carry any interest till the
project is commissioned and interest if any is paid (after
commissioning) then it will be less than the rate of
interest payable on term loan subject to no over dues in
the loan account.
DT 10-06-94
S.No
1
2
3
4
5
Schemes
Clean term loan scheme
Commercial complex
Computer training center
Doctors Growth Scheme
Equipment Finance Scheme
Funding of second hand machinery
Existing TIICs Clients-OTL
Existing TIICs Clients-General
Existing unit new to TIIC
New unit(Green Field)
Promoters
Contribution
in %
30
33.33
33.33
25
15
15
25
33.33
40
- 46 -
S.No
Promoters
Contribution
in %
General schemes
Existing units:
New units:
25
33.33
15
33.33
Existing units:
10
New units:
11 Information technology projects
Marriage hall/community hall/convention
12 center
Micro/Small Enterprises Funding Scheme
Existing units:
13
New units:
14 Open term loan
Single window scheme
Existing units:
15
New units:
Small Hospital scheme
Existing units:
16
New units:
17 Transport loan scheme
17.1 Loan upto Rs 10.00 lakhs
17.2 Loan More than Rs 10.00 lakhs
17.3 Auto / Share Auto / Minidor
18 Working capital term loan for rice mills
Working Capital Term Loan for
Manufacturing and Processing Industries
19 (WCTL-MPI) except Rice Mills
Working Capital Term Loan for Service
20 Sector Units (WCTL - SS)
Wind power projects
Existing units:
21
New units:
Wind Mill second hand from manufacturer
Assisted Unit-TIIC
Non assisted unit
22
Industry Based:
23 EPBAX System
24 Dish Antenna & Cable TV Network
25
33.33
35
7
8 Generator loan scheme
9 Godown scheme
Hotel scheme
33.33
25
20
15
25
33.33
25
33.33
20
25
15
25
25
35
15
33.33
25
30
33.33
40
- 47 -
S.No
25
26
27
28
29
30
RIG
JCB
Excavator
Harvestor
Gym/beauty parlour
Mineral water projects
Blue metal units
New Units:
Existing Units:
31
Promoters
Contribution
in %
40
25
35
35
50
40
33.33
25
- 48 -
2.
a.
b.
High
13.75 %
14.25 %
3.
4.
5.
a.
14.25 %
c.
d.
Micro/
Small
Scheme(MSEF)
Enterprises
14.50 %
Funding 14.50 %
- 49 -
PROPOSED
New clients at
the
time
of
sanction
a.
15.00%
b.
c.
7a.
b.
14.00%
8.
WIND MILLS
13.75%
9.
15.00%
10.
Dt:08/04/2011
- 50 -
39.0
Moratorium/Holiday Period:
Repayment Schedule:
Repayment
period in
months/years
including
holiday period
36 months
Commercial complex
Outright sale
years
Lease: 8 years
36 Months
60 Months
60 Months
6
7
Funding
of
second
machinery
Generator loan scheme
8
9
10
Godown scheme
Hotel scheme
Information technology projects
hand 60 Months
60 Months
9 Years
9 Years
36 60 Months
Holiday
period
3
Months
4 2 years
3
Months
6
Months
3-12
Months
6
Months
6
Months
2 Years
2 Years
3
months
- 51 -
S.No
11
12
13
14
15
16
17
18
19
20
Repayment
period in
months/years
including
holiday period
Marriage
hall/community 9 Years
hall/convention center
MSEF scheme
72 Months
Holiday
period
2 Years
6-24
Months
Open term loan
60 Months (The Upto 12
instalment
months
amount will be
fixed at the end of
the financial year
based on the loan
amount availed,
by
Branch
Manager.)
Single window scheme
TL: 60 to 84 6 to 24
months
Months
WCTL: 60 Months
Small Hospital scheme
TL: 60 to 84 6 to 24
months
Months
same as stipulated No
Take over of loan scheme
by the applicants holiday
present banker - period
Normally,
the
amortization period
will be between 5
7 years.
Transport loan scheme
60 Months
4
Months
Working capital term loans for 36 Months
4 ( for
all schemes
first
time
only)
Wind power projects New
TL: 60 to 84 6 to 12
months
Months
Wind Mill second hand from 60-72 Months
3
manufacturer
Months
- 52 -
41.0 Licence/Approvals:
41.1. Entrepreneurs Memorandum for MSME:
Entrepreneurs Memorandum Part I shall be obtained
incorporating the Factory location, Product to be manufactured,
classification of industry (Micro/ Small/Medium) and type of
management, etc before sanction of loan. Wherever, there is
deviation in any of the above, necessary condition shall be
stipulated to ensure correctness of data before disbursement.
Entrepreneurs Memorandum Part II shall be obtained
incorporating the date of production after commercial
production.
41.2. For other than MSME(Large Manufacture Enterprises):
Secretariat for Industrial Approval (SIA), New Delhi shall
be obtained.
41.3. Power Intensive Industry:
Feasibility report shall be ensured before appraisal and if
not possible same shall be ensured before disbursement.
41.4. Water:
If water requirement is heavy, availability of water shall be
ensured and same shall be discussed in the appraisal note.
41.5. Approval from local authorities:
License from local authorities to operate the industry
shall be obtained.
41.6. TNPCB Consent
For Orange categories under Orange I category, TNPCB
clearance shall be obtained before drawal of last 20% of the
Term
loan.
Alternatively,
if
the
unit
install/commission
loan
may
be
disbursed
without
insisting
on
- 53 -
However, these
DT 01/09/98
DT 16/09/98
- 54 -
S.No
1
Type of Proposal
General scheme: Industrial
unit for term loan up to Rs.3
crores for construction of
building and purchase of
machinery.
a)
Whenever
primary
security is available in the
form of land and building
and the value of primary
land and building is more
than 50% of the loan
amount.
b) If the primary security
viz.land and building value
is between 25% to 50% of
loan amount.
c) If the primary security viz.
land and building value is
less than 25% of loan
amount.
General
scheme
Collateral Security
norms
If the risk perception is
Low
High
No collateral
25%
of
loan
amount
25%
50%
35%
50%
To be decided on a case to
case basis by the board
depending on the risk
perception of the project,
net worth of the company
as compared to the loan
amount, background of the
promoters
and
track
record of the applicant
company/associate
concern.
- 55 -
S.No
3.
Collateral Security
norms
For purchase of machinery I. Standard category for 3
to be erected in leasehold completed financial years
premises for both existing :
and new units.
15% of the loan amount if
the proposed loan is
equivalent to the original
loan disbursed.
Type of Proposal
5.
6.
- 56 -
7.
8.
- 57 -
9.
- 58 -
S.No
10
Type of Proposal
Collateral Security
norms
i. In case of existing
assisted units who are in
the
standard category
continuously for the last
three completed financial
years.
100% of WCTL
(residual value of existing
primary and collateral
security may also be
considered for compliance
of
collateral
security
requirement.
However,
the value of machinery
shall not be taken into
account
for
this
computation).
Working
Capital
Term
Loan
to
the
existing ii.For units not assisted
assisted & non-assisted by TIIC, and which do not
have
working capital
Modern Rice Mills units
facility with any Bank,
then separate collateral
security for 125% of
WCTL
iii.If the unit already has
working capital limit with
a
Bank,
then
the
collateral security shall be
150% of the working
capital term loan amount.
This is applicable to
existing TIIC assisted unit
also whether they come
for a fresh WCTL or for
additional / enhanced
WCTL.
- 59 -
S.No
11
Type of Proposal
Working
Capital
Term
Loan for Manufacturing
and Processing Industries
(WCTL-MPI) except Rice
Mills
12
Highly
movable
and
saleable
items
like
computers,
sewing
machines etc.
13
15
a)Nursing home/Hospital
under RMP and hotel
b)Electro
medical
equipments
and
clinic
under RMP
Transport
vehicles
(including
TAHDCO
applicants)
1.
Branches
having
Overdues
a. less than 10%
b. More than 10%
2. National Permit Vehicles
Excavator / rigs / JCB
16
Harvestor
14
Collateral Security
norms
i) In case of existing
assisted units who are
in the standard category
continuously for the last
three
completed
financial years, 100% of
WCTL (residual value of
existing primary land
and
building
and
collateral security in the
form
of
land
and
building
will
be
considered).
ii) For units not assisted
by
TIIC,
separate
collateral security for
150% of WCTL .
100%
To be decided as in 1 & 2.
50%
50%
60%
75%
New customer 100% .
Existing customer with
satisfactory
repayment
record 50%
Rigs registered in other
neighbouring States - 125
%
100%
- 60 -
17
18
Generator:
a. TIIC assisted units in
Standard
Category
continuously for the
last 3 years.
b. TIIC
assisted
units
which
are
not
in
Standard Category for
the last 3 years.
c.For units which are not
assisted by TIIC
Kalyana
Mandapam
Community
Hall
Conventional Centre
No
Collateral
required
security
/ 50%
/
The units coming up below
the rank of municipal
limits and taluk Head
quarters ranging from
50% to 100% of the loan
amount.
19
IT Industry / Computer
Training Institute
(B.E.(Comp.Sci.),
Computer Engg., I.T.,
Degree in Engg. with
Diploma in Comp.Science,
M.C.A., PG in Comp.
Science
Others : 100%
For TL above Rs.3 crores
:
To be decided as in (2)
above
- 61 -
20
150%
For TL upto Rs.3 crores :
21
Warehousing / Godown /
Container Freight Station
To be decided as in (1)
above
For TL above Rs.3 crores
:To be decided as in (2)
above
For loans upto Rs.3
crores
22
(ii) Others
23
Windmill
24
25
20%
- 62 -
New Units:
Existing Units:
100%
75%
- 63 -
Dt: 15/10/2001
- 64 -
i.
ii.
iii.
iv.
v.
or
panel
engineers
valuation
of
machinery,
whichever is lower.
vi.
- 65 -
- 66 -
Credit Rating:
- 67 -
GRADING OF BORROWERS/PROJECT
MARKS SCORED
1. Above 95% to 100%
2. Above 90% to 95%
3. Above 85% to 90%
4. Above 75% to 85%
5. Above 60% to 75%
6. Above 50% to 60%
7. Upto 50%
Ref:Project/02-05/CRMC/2003-2004
GRADING
TIIC-P AAA
TIIC-P AA
TIIC-P A
TIIC-P BB
TIIC-P B
TIIC-P C
TIIC-P D
Dt:12.4.2003
ACCEPTANCE LEVEL
Highly rated borrower i.e. low risk proposal are having
scores above 85%. There is no pricing of loan initially, but the
rating helps in monitoring and reviews in various steps and
followup. The collateral security as stipulated earlier for low
risk perception proposal shall apply for these projects.
The borrowers rated between 60% to 85% are
Acceptable Risk Proposal. The sanctioning authority shall
ensure that all risk factors (including non-collateral factors)
are secured besides adequate collateral security being
obtained as per the existing norms.
The borrowers rated between below 60% are of high risk.
The Sanctioning authority shall seek all the risk factors either
by way of increasing the Promoters Contribution or by
increasing the collateral coverage or by any other mean, which
in the opinion of the Sanctioning Authority will best secure the
interest of the Corporation.
If the rating is below 50%, the proposal is liable for
rejection.
S.No
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
Total
Score
(a)x (b)
- 69 -
44.0
is
located/multiple
factories/
Residence
of
the
P.S.
It is needless to say that the officials can bring any
item/information for inclusion/ suggestions for improvement of
this version to the knowledge of Project Department at Head
Office for necessary action.
- 70 -
ANNEXURE I
Banned Industries - List:
1. Alcohol (Whether based on molasses or non-molasses as
raw material)
2. Briquetted fuel (based on agricultural wastes like paddy
husk, groundnut shell etc.)
3. Fishing Trawler/Boats,
4. Mechanised Fishing boats
5. Match units ( Ban on Mechanised Match units lifted as
DT 24/04/98
Ref: HO/Project-dev.w/07-20/p-269/2006-2007dt.11.10.06
15. TEA manufacturing units
Ref: PROJ/02-1/P-1/1999-2000
DT:17/06/99
- 71 -
ANNEXURE II
ORANGE-I CATEGORY INDUSTRIES:
1. Sago units
2. Food & allied products industries
3. Beach resorts
4. Stone crushing units
5. Stone and mineral polishing units
6. Surgical gauge & bandages and cotton
7. Sizing & textile printing units
8. Bleaching units
9. Khandasari sugar units
10. Sea food processing unit
11. Aqua-culture ponds (including hatchery)
12. Solvent extraction units
13. Leather boards
14. Industrial gases
15. Salt manufacturing
16. Printed circuit boards manufacturing units
17. Institutions generating effluent
ORANGE-II CATEGORY INDUSTRIES
1. Flour mills
2. Textile spinning mills
3. Light engineering industries (without phosphating,
electroplating and galvanising & heat treatment involving
cyanide)
4. Medium & small scale biscuit &bakery units
5.pharmaceutical formulation units
6. Cashew and cashewnut shell processing units
7. Mushroom units
8. Automobile services & repair station
9. Printing(paper)units (large & medium only)
10. Surface coating industries
11. Food grade fragrant & additives
12. Injection moulded plastics & pvc products
13. Modern rice mills
14. Wirecut brick kilns and chamber brick units
15. Lime kilns
16.. Tissue culture
17. Cine theatre
18. Hotels & amusement park
19. Tea/coffee plantations
20. Beverages
21. Mineral water units
22. Wood treatment units
23. Milk chilling units.
Cont..
- 72 -
ANNEXURE II
LIST OF INDUSTRIES UNDER RED CATEGORY
1.
a)
b)
c)
d)
e)
2.
a)
b)
c)
3.
Mining Industries
a)
b)
c)
Coal Washeries
Hydraulic Mining
Hydraulic transport
4.
a)
6.
7.
8.
a)
b)
c)
Nitrogenous
Phospatic
Mixed
9.
a)
b)
- 73 -
ANNEXURE II
10.
Petroleum Products
a)
b)
c)
d)
e)
Oil Production
Oil Refining
Lubricating Oils and Greases
Oil Exploration
Storage Facilities
11.
Petrochemical Industries
12.
13.
14.
15.
16.
Tanneries
17.
Dairy Industries
18.
Chemical Industries
19.
20.
Synthetic
Resin
and
Plastics
manufacturing industries only
21.
22.
23.
Sugar Mills
24.
including
PVC
- 74 -
ANNEXURE II
25.
Hospitals (Having
laboratory Facilities)
26.
27.
28.
29.
30.
31.
32.
33.
34.
35.
36.
37.
38.
39.
40.
41.
42.
43.
44.
45.
Operating,
Diagnostic,
Cont..
Clinical
- 75 -
ANNEXURE II
Registered Medical Practitioners(RMP)
1.RMP for setting up of clinics without Clinical lab and surgical
lab/ operation theatres - maybe treated under Orange II
category for purposes of disbursement
16.
17.
18.
19.
20.
21.
22.
- 76 -
23.
24.
25.
26.
27.
28.
29.
30.
31.
32.
33.
34.
35.
36.
37.
38.
39.
40.
41.
42.
43.
44.
45.
46.
47.
48.
49.
50.
51.
ANNEXURE II
Assembly of domestic electrical appliances
Radio assembling
Fountain pens
Polythene plastic and P.V.C. goods through extrusion /
moulding
Rope (Cotton / Plastic)
Carpet weaving
Assembly of air coolers, conditions
Assembly of bicycle, baby carriages and other small nonmotorized
Electronics equipment (assembly)
Toys
Candles
Carpentry - excluding saw mill
Cold storages (Small scale)
Oil ginning / expelling (no hydrogenation and no refining)
Jobbing and machining
Manufacture of steel trunk and suitcases
Paper pins and U-clips
Block making for printing
Optical frames
Tyre retreading
Power looms and handlooms (without dyeing and
bleaching)
Printing Press
Garments stitching, tailoring
Thermometer making
Foot-wear (Rubber)
Plastic processed goods
Medical and Surgical instruments
Electronic and electrical goods
Rubber goods Industry