| Bank | Central Bank of India |
| Scheme | CENT – DOCTOR |
| Description | · Purchase of equipment, setting up of Clinic, X-ray Lab, Pathological Laboratory, Nursing Home, Poly Clinics etc., Clinic-cum-Residence, expansion/renovation/modernization of existing premises.
· Purchase of Vehicles, Ambulance, and Computer etc. for medical practitioner. · Working Capital requirement including stock of medicine/disposables
|
| Eligibility | · Individuals/Partnership/Companies/Trusts.
· Applicants/Promoters should have recognized qualification in any branch of medical science like MBBS/BAMS/BDS/BHMS or any recognized degree in Physiotherapy/ Radiology etc. and should have minimum practical experience required to establish Hospital/Nursing Home/Clinic. · In case Individual, he/she should be a qualified and registered medical practitioner and should have minimum practical experience required to establish Hospital/Nursing Home/Clinic. · Partnership: Out of total partners at least 50% should be qualified and registered medical practitioners. · Company: At least 50% of the promoter/directors should be qualified and registered medical practitioners · Trusts: Trusts should be registered and having power to borrow. At least one of the trustees should be qualified medical professional and Registered Medical Practitioner.
|
| Rate of Interest & Repayment | |
| Collateral | No guarantee /collateral for loans up to Rs.100.00 lakh, which are to be covered under CGTMSE Guarantee only. For loans above Rs.100.00 lakh, collateral up to at Least 50% of the loan amount to be taken. |
| Composite /loan Limit | Minimum – Rs.100,000/- Maximum- Maximum: Rs.5,00,00,000/- Rural / Semi-Urban areas -Max . Rs 50.00 lakh Working Capital limit of up to Rs. 5 lakh may be considered, if required within overall limit of Rs.50.00 lakh Urban / Metro Areas – Max . Rs.500.00 lakh Working Capital Limit of up to Rs.10 lakh may be considered, if required, within the overall limit of Rs.500.00 lakh. |
| Margin | 25% against the construction of Nursing Home / Clinic. 15% against equipment. |
| Detail Link | View Link |
CENT – CONTRACTOR
| Bank | Central Bank of India |
| Scheme | CENT – CONTRACTOR |
| Description | To provide financial support to contractors of good reputation engaged in works on Behalf of Central Government Department/ State Government Department/PWD/ Public Sector undertakings/ and reputed Private Sector Organizations having category of B+ rating and above. |
| Eligibility | Civil Contractors/ Construction Contractor Sub Contractors executing works on behalf of main contractors who have been allotted works by Main Contractors |
| Rate of Interest & Repayment |
Repayment:12 months in case of CC/OD and Maximum 5 years in case of TL Interest:Up to Rs.10 lac @ MCLR+0.50%, Above Rs.10 lac Up to Rs.1 crore @ MCLR+1.00 and above Rs.1 crore ( Rating CBI-1 to CBI-4 @ MCLR+2.00% and CBI-5 and above @ CBI+2.50% to CBI+4.00%) |
| Collateral | Up to Rs.1.00 crore: Equitable mortgage of immovable property having 100% of the limit sanctioned. (FB+NFB) OR CGTMSE coverage where no collateral or third party Guarantee is to be taken Above Rs.1 crore and up to Rs.5 crore: Equitable Mortgage of immovable property having market value not less than 150% of limit sanctioned (FB+NFB). |
| Composite /loan Limit |
Maximum Loan: Rs.5 crore |
| Margin | |
| Detail Link | View Link |
CENT – CONSTRUCTION EQUIPMENT FINANCE SCHEME (CCEF)
| Bank | Central Bank of India |
| Scheme | CENT – CONSTRUCTION EQUIPMENT FINANCE SCHEME (CCEF) |
| Description | For financing New Machinery/Equipment/Vehicles for construction activities |
| Eligibility | Firms/Companies (including Contractors) engaged in construction activity. |
| Rate of Interest & Repayment | Rate of Interest:
Up-to Rs.1Crore (Term Loan up-to one year): · Up-to Rs.10.00Lac: MCLR + 0.50%. · Above Rs.10.00Lac to Rs.100Lac: MCLR + 1.00%. Above Rs.1Crore: Based on Customer Credit Rating.
Repayment: Loan is to be repaid in Maximum 60 equated monthly instalments (EMIs), commencing from next month of first disbursement. |
| Collateral | 25% of the loan amount by way of mortgage of property/ land & building/ Liquid security. |
| Composite /loan Limit | Maximum Rs.5.00Crore. |
| Margin | |
| Detail Link | View Link |
CENT – MORTGAGE- EDUCATIONAL INSTITUTIONS
| Bank | Central Bank of India |
| Scheme | CENT – MORTGAGE- EDUCATIONAL INSTITUTIONS |
| Description | To meet any sort of operational expenses, but not for any speculative purpose / Real Estate activity / Capital Market activity. |
| Eligibility | · Loan against mortgage of immovable property with Institute building located in Metro/Urban/Semi-urban centres.
· The private educational institutions incorporated as Society/Trust, should be in existence for minimum 5 years and at least 2 batches of students should have passed out from the institute affiliated to different Educational Boards/Universities recognized by Government / UGC/any Statutory Body like AICTE/IMC etc |
| Rate of Interest & Repayment | MCLR + 4.50 % for Term Loan and Over Draft.
Repayment: · Term Loan is to be repaid in Maximum 120 equated monthly instalments (EMIs), commencing from next month of disbursement. · •Over Draft: for 12months renewal annually. |
| Collateral | · EM of non-encumbered Land with Building in the name and possession of the Institute, located in Metro/Urban/Semi-urban centres. |
| Composite /loan Limit | · Minimum: Rs.1.00Lac
· Maximum: Rs.500.00Lac. |
| Margin | |
| Detail Link | View Link |
CENT – LAGHU UDHYAMI CREDIT CARD
| Bank | Central Bank of India |
| Scheme | CENT – LAGHU UDHYAMI CREDIT CARD |
| Description | Working Capital Limit in the form of Cash Credit/Overdraft |
| Eligibility | |
| Rate of Interest & Repayment | Rate of Interest: BR+0.50%
|
| Collateral | No Collateral Security. Necessarily to covered under CGTMSE. |
| Composite /loan Limit | |
| Margin | 20% |
| Detail Link | View Link |
CENT – KALYANI
| Bank | Central Bank of India |
| Scheme | CENT – KALYANI |
| Description | To encourage Women Entrepreneurs to start new project or expand / modernise the existing unit. To meet capital expenditure (Plant & Machinery /Equipments etc). & To meet day to day expenditure |
| Eligibility | |
| Rate of Interest & Repayment | Concession in Rate of interest – Loan up to Rs. 10 Lacs – MCLR + 0.25% Loan above Rs. 10 Lacs and up to Rs.100 Lacs – MCLR + 0.50% Additional Interest concession of 0.25% if account is rated by external agency. |
| Collateral | No Collateral Security as Advance is covered by Guarantee cover of CGTMSE |
| Composite /loan Limit | Maximum Rs. 100 Lacs . |
| Margin | 20% |
| Detail Link | View Link |
CENT – FOOD PROCESSING PLUS
| Bank | Central Bank of India |
| Scheme | CENT – FOOD PROCESSING PLUS |
| Description | Working Capital Finance/Term Loan/Non Fund Based Limit |
| Eligibility | |
| Rate of Interest & Repayment | · For Fund Based Working Capital and Term Loan up-to Rs.100Lac = MCLR+0.50%
· Loan above Rs.100 lac: ROI will depend upon extent of collateral security. i. Where the collateral security coverage is more than 100%: MCLR + 50 Bps.( Irrespective of Rating) · Tenor premium for Term Loan up-to 3 years: 0.25% & above 3 years: 0.50%. one year for Working Capital and 7 years for Term Loan |
| Collateral | |
| Composite /loan Limit | Loan Limit Up to Rs.1 crore: Collateral Security by way of EM of immovable property having 50% of the limit sanctioned OR CGTMSE Coverage Loan Limit above Rs.1 crore: Collateral Security by way of EM of immovable property having market value not less than 50% of the limit sanctioned |
| Margin | 20% |
| Detail Link | View Link |
CENT – BUSINESS GOLD LOAN
| Bank | Central Bank of India |
| Scheme | CENT – BUSINESS GOLD LOAN |
| Description | For business needs only. |
| Eligibility | 1. Existing as well as New Customer.
2. Individual (18 years to 60 years), Proprietorship and Partnership, engaged in Business activities.
|
| Rate of Interest & Repayment | 1. Rs.10000 and up to Rs.10 lac: MCLR + 0.50%
2. Above Rs.10 lac and up to Rs.20 lac: MCLR + 1.00% Repayment: 1. Repayment in case of Term Loan : 12-36 Months. 2. Repayment in case of Overdraft or Cash Credit : On demand and renewable on yearly basis.
|
| Collateral | Primary Security :
·Pledge of gold coins (specially minted and sold by Banks)/Gold ornaments and Jewellery of 22 as well as 24 Karats purity ·The Gold ornaments should be hall marked.
|
| Composite /loan Limit | 1. Minimum: Rs.10,000/-
2. Maximum: Rs.20,00,000/-
|
| Margin | |
| Detail Link | View Link |
Users Today : 13
English 
Hindi