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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.
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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  
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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. For Loan Tenor Premium will be: 1 year to 3 years is 0.25% & 3 years to 5 years is 0.50%.   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  
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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  
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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%
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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%
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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) ii. Where the collateral security coverage is between 75% to 100%, the following rates are to be charged: Interest will be in the range of @10.75% to 12.00% based on rating iii. Where the collateral security coverage is between 50% to 75%, Interest will be in the range of @11.25% to 12.50% based on 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%
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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  
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