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TERM LOAN



(i) UNIT COST: NSTFDC provides Term Loan for viable Scheme(s)/ Project(s) costing upto Rs.10.00 lakh per unit/ profit centre.

(ii) QUANTUM OF ASSISTANCE: NSTFDC provides Term Loan upto 90% of the cost of Scheme(s)/ Project(s) subject to the condition that the SCAs contribute their share of loan as per the scheme and provide eligible subsidy. The SCAs may endeavour to tie up financial assistance from other sources if any.

(iii) WORKING CAPITAL:

(a)  Entire Working requirement is treated as a part of the project cost for scheme(s) having cost upto Rs. 1.00 lakh.

(b) For Scheme(s) /Project (s) having unit cost above Re.1.00 lakh Working Capital requirement upto 30% of the cost of Scheme (s) /Project (s) subject to a maximum of Rs. 3.00 lakhs per unit/profit centre is considered as part of the cost of project.

(iv) PROMOTER’s CONTRIBUTION :
Cost per Unit/ Profit Centre Minimum Promoter’s Contribution
       (as %age of cost of project)
a) Upto Rs. 1.00 lakh :  not to be insisted upon
b) Above Rs. 1.00 lakh and upto Rs. 2.50 lakh : 2%
c) Above Rs. 2.50 lakh and upto Rs. 5.00 lakh : 3%
d) Above Rs. 5.00 lakh : 5%

(v) INTEREST RATES :
       AMOUNT OF LOAN INTEREST PER ANNUM
       PER UNIT/PROFIT CENTRE  CHARGEABLE TO**
       (NSTFDC’S SHARE)  SCAs Beneficiary (ies)
      
a) Upto Rs.5.00 lakh        :  3%  -  6%
b)  Above Rs.5.00 lakh    :  5%  -  8%
  **  The above rates of interest are not on slab basis.

(vi)  REPAYMENT PERIOD :

(a) The loan is to be repaid in quarterly/ half yearly instalments as the case may be within a maximum period of 10 years including suitable moratorium period.

(b) The repayment period of the scheme is fixed by NSTFDC ba
sed on nature of activity and cash generating capacity of unit.

(c) SCAs are allowed extra repayment period of one year over and above the repayment period allowed to the beneficiaries.

By: PWT& FD