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Citizen's Charter Backward Classes, Most Backward Classes and Minorities Welfare Department BACKWARD CLASSES & MINORITIES ECONOMIC DEVELOPMENT CORPORATION TN BACKWARD CLASSES AND MINORITIES ECONOMIC
DEVELOPMENT CORPORATION Guidelines to Backward Classes, Most Backward Classes and Denitrified Communities Beneficiaries In order to uplift the socio-economic conditions of the Backward Classes, Most Backward Classes Denitrified Communities TABCEDCO offers various schemes and assists the beneficiaries by providing Term loan and Margin Money Assistance. 2. Activities to be financed: The various schemes to be financed are as follows:- i. Petty Traders and Business ii. Industrial Service Units iii. Transport Services iv. Agriculture v. Artisan and Traditional Occupation. The details activities come under above schemes are enclosed at the end of the brochure. 3. Eligibility The beneficiaries covered by this Corporation are:- 1) Backward Classes 2) Most Backward Classes 3) Denitrified Communities They are notified as Socially and economically Backward. They are classified as two categories. 1) Poverty line - Family Income below Rs.11000/- p.a. 2) Double Poverty line - Family Income not exceeding Rs.22000/- p.a. The age limit of beneficiaries is between 18 years to 50 years of age. 4. Processing of applications The loan applications are available in the office of the TABCEDCO, Chennai-600 002 and District Backward Classes Welfare Officers on payment of Rs.30/- by cash/Demand Draft per application form. 5. Documents to be produced The above loan applications will be filled in by the beneficiaries concerned and handed over to the concerned District Backward Classes Welfare Officer along with copies of the following documents: 1. Community Certificate, Income and Nativity Certificates from the Tahasildar of the Taluk concerned. 2. Family Card (Ration card) 3. Price quotation from a reputed firm (Performa Invoice) 4. Project Report (in case of loans for Transport vehicles) 5. Pay Certificates of two Govt. Servants.standing surety and documents for Mortgage. 6. Pattern of sanction of Loan The District Backward Classes Welfare Officer after scrutiny verification of the application will place it before the district High Level Screening Committee headed by Collector, for its clearances. Then the eligible loan applications will be put to the concerned bank branch for sanction of disbursement of the loan amount. 7. Quantum of Loan If the loan amount is within Rs.50000/- the beneficiaries should obtain sureties from two Govt. officials. If the loan amount exceeds Rs.50000/- they are required to mortgage immovable property to the bank as Collateral security. They are also required to hypothecate the assets, so created by the loan obtained to the concerned bank .8. Financing Pattern The term loan and Margin Money assistance will be given to eligible beneficiaries as per the following finance pattern followed by this Corporation. Term loan:- (i) Beneficiaries Contribution -5% (ii) TABCEDCOR Contribution -95% Margin Money Loan (i) Beneficiaries Contribution -5% (ii) TABCEDCO's Contribution -45% (iii) Bank's Contribution -50% 9. Rate of Interest The rate of interest charged by this Corporation under the loans released is as follows:- Family Income Limit Amount of Rate of Loan applied Interest 1. Poverty Line Rs.1/-lakhs & below 7% (ie) Up to Rs.11000/-p.a.Double Poverty line " 10% (ie) Rs.11000 to 20000/-p.a. 2. Up to Rs.22000/-p.a. above Rs.1/-lakhs to 10% 5 lakhs 3. Up to Rs.22000/-p.a. above Rs.1/-lakhs to 12% for Transport services 5 lakhs Margin Money Loan 1. Poverty line up to Rs.40,000/- 3% 2. Double Poverty line above Rs.40000/- 4%(Rs.11000 to Rs.20000/-) 10. Repayment of Loans The entire loan will have to be repaid by the beneficiaries within a reasonable period of not more than 5 years including the Moratorium period of 6 months. The repayment shall be on Monthly/Quarterly\Half yearly basis by the individuals to banks concerned depending on the nature of science. 11. Default in repayment of Loan:- Any default in repayment of loan will entail the levy of a penal interest at 18% of the loan amount as fixed by TABCEDCO. 12. Maintenance of the loan cards. On disbursement of the loan amount each beneficiary will be provided with a Beneficiary loan card which must be kept in safe custody by the concerned beneficiary and produced at the time of repayment of each installment amount for necessary entries to be made. 13. Processing of loan applications: The loan Application are available in the office of the TABCEDCO, Chennai-2 and District Backward Classes and Minorities Welfare Officer, on payment of Rs.30/- by Cash or Demand Draft per application form. The prescribed loan applications will be filled in by the applicant concerned and handed over to the concerned District Backward Classes Welfare office, along with copies of the following documents. 14. Documents to be produced. (i) Community Certificate, which belongs to anyone of the notified religious minority groups and the annual family income and nativity certificates, from the Tahsildar of the Taluk Concerned. (ii) Family Card (Ration card). (iii) Price quotation from a reputed firm. (Performa Invoice) (iv) Project Report (in case of Major Projects). (v) Pay Certificates of Two Government Servants, Standing surety and documents for Mortgage. 15. Sanction and Disbursement of Loans The District Backward Classes and Minorities Welfare Officer after scrutiny and verification of the application, will place it before the District High Level screening Committee headed by the collector and obtain its clearance. Then, the eligible loan application will be sent to the concerned. GUIDELINES FOR SUBMISSION OF PROPOSALS/APPLICATION -------------------------------------------------------------------------------------------------- FOR TERM LOAN AND MARGIN MONEY LOANS TO MINORITIES --------------------------------------------------------------------------------------------------- In order to uplift the Socio-economic conditions of the persons, belonging to the minorities, living below double poverty line, for establishing self employment ventures, TABCEDCO officers various schemes and assists the notified Minorities (Muslims, Christians, Sikhs, Buddhists and Paris), by providing Term Loans and Margin Money Assistance Loans. 2. The following activities, to be financed. are as follows:- In general, TABCEDCO provides loan for any commercially viable self- employment Ventures. (i) All manufacturing activities. (ii) Traditional occupations & Trades. (iii) Agriculture and allied activities. (iv) Technical Trades. (v) Small business. (vi) Small scale and Tiny Industries. (vii) Transport and Service sectors. (viii) Artisans. (ix) All other income generating activities of individuals and Groups. An illustrative list of activities/Schemes, under the above referred sectors, is enclosed. 3. Eligibility The beneficiary must belong to any one of the notified religious Minority groups (i.e) Muslims, Christians, Sikhs, Buddhists, Joins, Parsis etc. The age limit of the troliclarces must to above 18 years of age but not above 50 years of age. The annual family income of the applicant must be below double the poverty line which at present is Rs.22,000/- p.a. (ii) Transport Sector scheme Like Tourist Cars, Vans etc. 12% (Irrespective of loan amount up to Rs.5.00 lakhs) 4. The Margin Money Loan: The interest rates on Margin Money Loan, payable by beneficiaries are as detailed below: up to Rs.25,0004% 5. Repayment of loans:- Both term loan and Margin Money Assistance loan shall be repaid within a reasonable period not exceeding 5 years including the moratorium period. The repayment shall be made by the beneficiaries on monthly/ quarterly /Half yearly basis, depending on the nature of scheme. 6. default in repayment of loan Any default in repayment of loan will entail the levy of penal interest @ 18% of the loan amount, as fixed by TABCEDCO. 7. Maintenance of the Loan Cards On disbursement of the loan amount, each beneficiary will be provided with a 'Beneficiary Loan Card, which must be kept in safe custody by the concerned applicant and produced at the time of repayment of each installment amount for necessary entries to be made, bank branch for sanction and disbursement of the loan amount. 8. Quantum of loan and Surety/Security If the loan amount in within Rs.50,000/- the beneficiaries should furnish sureties from two Government officials. If the loan amount exceeds Rs.50,000/- they are must mortgage the immovable properties to the bank as collateral security. They must also hypothecate the assets, so created, by the loan obtained from the concerned bank. 9. Financing Pattern:- The term loan and Margin Money Assistance will be given to eligible beneficiaries, as per the following finance pattern, followed by this Corporation. Term Loan: (1) Beneficiaries Contribution .. 5% (2) TAB CEDCO contribution .. 95% Margin Money Loan:- (1) Beneficiaries Contribution .. 5% (subject to a maximum of Rs.1.25 lakhs per unit.) (2) TABCEDCO's Contribution .. 35% (3) Bank's Contribution .. 60% 10. Rate of Interest interest rates on these term loans payable by beneficiaries are as detailed below:- (i) All schemes for loans up to Rs.1.00 lakhs .. 7%for loans above Rs.1.00 lakhs ..12% but 1.00 Rs.5.00 lakhs. --------------------------------------------------------------------- S.No. Scheme Name --------------------------------------------------------------------- 1. Horticulture 2. Hotel 3. Inland Prawn Culture 4. Institute of Commerce 5. Iron Industry 6. Irrigation Bore Well 7. Jasmine Cultivation 8. Jeep Taxi 9. Job Orient Print Press 10. Kiryana Shop 11. Lamination Centre 12. Land Purchase Cum Irrigation 13. Laundry with Hydro-Ext. 14. Laundry without HYdor-Ext. 15. Leather Chappals 16. Legal Consultancy Centre 17. Lift Irrigation 18. Light Transport Tempo 19. Lock Making 20. M.S.Grills, Windows etc. 21. Mangal Vadyam 22. Mfg. of Wooden Material 23. Manufacture of Bread 24. Manufacturing of Bricks 25. Manufacturing of Chalks 26. Maruti Van 27. Meat Shop 28. Medical Store 29. Mini Bus 30. Mini Laundry 31. Mini Truck 32. Mobil Hair Cutting Saloon 33. Mobil Dhobi 34. Modern Laundry Unit 35. Motorcycle Repair Shop 36. Mulbery Sericulture 37. Mushroom Cultivation 38. Oil Pressing (Power Ghani) 39. Out Board Motors 40. Petty shop. 41. Pesticide shop 42. Photocopier Unit 43. Pneumatic Tyre Bullock Cart 44. Polyester Weaving Unit 45. Pottery 46. Pounding Mill 47. Power Loom 48. Power Sprayer with Cycle 49. Power Tiller 50. Public Address System 51. Readymade Garments & Embr 52. Refrigeration & AC Repair 53. Repair of Two/Three Wheel 54. Restaurant 55. Safety Matches Unit 56. Saw Mill 57. Seeds and Pesticides Shop 58. Setting Up Workshop 59. Sheep Rearing Unit 60. Silk Reeling Unit 61. Silk Weaving Unit 62. Small Business 63. Small Fishery 64. Small Vehicle 65. Spray Painting Shop 66. Stationery Shop 67. ICD/STD/PCO Booth 68. Steel Fabrication 69. Sweet Shop 70. T.V. Servicing 71. T.V./Radio Repair Shop 72. Tailoring Material Shop 73. Tailoring Unit 74. Tailors Cahlk Unit 75. Thrasher Machine 76. Three Wheeler Workshop 77. Tourist Taxi 78. Tractor Trolley 79. Trucks 80. Two Wheeler Workshop TAMIL NADU BACKWARD CLASSES & MINORITIES ECONOMIC DEVELOPMENT CORPORATION LIMITED (TABCEDCO) 807 (V FLOOR), ANNA SALAI, CHENNAI-600 002. ACTIVITIES/SCHEMES FINANCED FOR BC/MBC/DNCs. --------------------------------------------------------------------- SL.No. Scheme Name --------------------------------------------------------------------- 1. Agricultural Implements 2. Allopathic Clinic 3. Alluminium Fabric Shop 4. Animal Driven Cart 5. Auto Repair Shop 6. Auto Rikshaw Diesel 7. Auto Spare Parts 8. Auto tyre Rep.Shop 9. Automobile Rep.Shop 10. Automobile Workshop 11. Auto rickshaw (Petrol) 12. Bakery 13. Bamboo Basket Weavers 14. Band Party/Orchestra 15. Bangle Unit 16. Bangles & Cosmetic Shop 17. Barber Shop 18. Battery Charging 19. Beauty Parlour 20. Bicycle Hiring & Repair 21. Bio-gas Plant Mfg. 22. Blackmithy & Welding 23. Blacksmithy Unit 24. Blanket Weaving 25. Book Binding 26. Book Shop 27. Broiler Chicks 28. Bullock Cart 29. Buying & Selling of Fish 30. Cane & Bamboo Furniture 31. Car Workshop 32 . Carpentry Unit 33. Cement Jalli 34. Cloth Merchant 35. Cotton Weaving 36. Cow Dairy Farming Unit 37. Cycle Rickshaw 38. Cycle Shop (Hiring & servicing) 39. Dhobi Unit 40. Diesel Pump 41. Dish Antenna 42. Dry Cleaning Unit 43. Dying & Painting Unit 44. Electric Goods Shop 45. Electric Motor Pump Set 46. Electric Motor Winding 47. Electric Workshop 48. Electronic Service Centre 49. Electronic Typing 50. Engg. Consultancy Centre 51. Estt. Provisional Store 52. Fertilizer Shop 53. Fishing Nets 54. Fishing Boat Unit 55. Flour Mill 56. Fruit & Vegetable Shop 57. G.I. Bucket Mfg. Unit 58. Garment Making 59. Gate Grill 60. GEM Cutting Unit 61. General Engg. 62. General Store 63. Goat Rearing Unit 64. Grocery Shop 65. Hair Brush Mfg. 66. Hair Cutting Saloon 67. Handloom Weaving 68. Handicrafts 69. Hardware & Paints 70. Hawai Chappals TAMIL NADU BACKWARD CLASSES & MINORITIES ECONOMIC DEVELOPMENT CORPORATION LIMITED, (TABCEDCO) 807, (V FLOOR), ANNA SALAI, CHENNAI-600 002. ACTIVITIES/SCHEMES FINANCED FOR MINORITIES. --------------------------------------------------------------------- SL.No. Scheme Name --------------------------------------------------------------------- 1. Advertising Agency 2. Alluminium Fabrication Unit 3. ARC Welding Unit 4. Architect Consultancy 5. Audio & Video Shop 6. Auto Rickshaw 7. Auto-electric Workshop 8. Automobile Repair & Ser.Centre 9. Automobile Workshop 10. Bakery Unit 11. Bangle Shop 12. Barber Shop 13. Battery Servicing 14. Beauty Parlour 15. Bicycle Hiring & Repair Shop 16. Book Binding 17. Book Shop 18. Cow Dairy 19. Bullock Driven Cart 20. Bullock Cart 21. Carpentry Unit 22. Civil Engg. Consultancy 23. Communication/STD/PCO 24. Cotton Weaving 25. Cycle/Rickshaw Repair 26. D.T.P. Unit 27. Snack Bar 28. Dish/Cable T.V. Unit 29. Electric & Electronics Goods 30. Electric Motor Rewinding 31. Electronic Sale, Repair shop 32. Engineering Workshop 33. Past Food Canteen and Restaurant 34. Flour Mill 35. Foot Wear 36. Fridge/Air Conditioner 37. Fruit & Vegetable Vendor 38. Gate Grill Industry 39. General Stores 40. Hair Cutting Saloon 41. Jasmine Cultivation 42. Job Work/Typing Unit 43. Juice & Cold Comer Shop 44. Lathe Machine Unit 45. Leather Chappal Unit 46. Meat Shop 47. Medical Shop 48. Mobile Vegetable Vendor 49. Modern Laundry 50. Motor Mechanic Shop 51. Mushroom Cultivation 52. Petty Shop 53. Paramedical & Clinical Lab 54. Pesticide/Seeds Shop 55. Photocopier Centre 56. Photocopy Machine Unit 57. Pine Apple Squash Unit 58. Plumber Shop 59. Power Loom 60. Readymade Garment & Embroidery 61. Refrigeration Repair Shop 62. Rexine Works Unit 63. Silk Weaving 64. Small Restaurants 65. Spray Painting Unit 66. Stationery Shop 67. Sweet Shop 68. Tailoring Shop 69. Tea/Refreshment Stall 70. TV Radio, Tape Recorder Repair Unit 71. Typewriting Institute 72. Tyre Repairing Shop 73. Vediography Unit 74. Wood Carving Unit |
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