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Aatma.Nirbhar.Bharat - Coggle Diagram

- - - - 100% Guarantee
      - Eligible Lenders
        
        Scheduled commercial Banks
        
        RBI Act 45I-(c)(i) - Non Banking FI
        
        HFC included
        
        NBFC in operation for 2 years as on 29/02/2020
        
        Undertaking to NCGTC
        
        Reporting/Disclosures
        
        Fortnightly
        
        Eligible Borrowers, Opted Borrowers, Disbursements, Employment, Default & NPA Ratio
        
        Compromise or Settlements
        
        Right to display defaulter list on ncgtc website
        
        Communication of scheme
        
        through website, sms, email
      - Portfolio Owners?
        
        Covered only if qualified MLI
        
        Securitization posiible
    - - 3 L Cr Guarantees or 31/10/2020
  - - - What if loans are under existing NCGTC or CGTMSE Schemes?
      - Upto 20% means less than 20% can be given
    - - Fund based
      - Under SMA1
        
        All accounts under multiple banking or selective?
        
        Exact 60 days?
      - TOD?
      - TL+CC Limit or Outstanding?
      - BT loans are eligible
    - - 4 years
        
        36 Month repayment period
        
        Structuring of repayment?
        
        12 Month moratorium
      - New or enhancement?
      - Proportionately from all lenders or based on NOC
    - - Pre-approved loan mandatory for eligible borrowers
        
        Opt out option is provided
        
        Due Diligence needed
    - - GST registration must if applicable to entity
      - Udyog Aadhar or MSME registration not required
    - - External Benchmark + 1% max upto 9.25%
      - NBFC Max upto 14%
      - Other charges
        
        Not allowed
        
        Processing Fees?
        
        Penal Charges for non-compliance of terms of existing loans?
        
        No prepayment penalty
      - Interest subvention is applicable
      - What if ROI is high?
        
        Not covered under guarantee
    - - RBI to notify but 0% is expected
    - - 100% Guaranteed
        
        No documents sought at the time of registration
        
        Automatic approval on registration of GECL loan
      - Primary charge on assets created from facility
      - 2nd Charge on existing securities of existing loans
      - Security perfection within 3 months
  - - - Non-Fund based included?
      - TOD included?
      - Entity Level loans & not personal loans
      - Only primary applicant
        
        What if debt is being serviced by co-applicant?
    - - New limit of Rs 250 Cr applicable?
    - - New customer not covered
  - - - 75% within 30 days of eligible claim
      - 25% after recovery proceedings or decree is passed