Board of Governors of the Federal Reserve System
Discuss Proposed since October Dear sir i want loan for opening Net cafe and Software courses institute …so please tell me which document are required for Mudra Loan Yojana. I also a current account in union bank of india but transactions is not more. This would be the highest level of amount that an entrepreneur could apply for a start up loan.
Bank of Baroda
Weights are defined by risk-sensitivity ratios whose calculation is dictated under the relevant Accord. Each national regulator normally has a very slightly different way of calculating bank capital, designed to meet the common requirements within their individual national legal framework. Most developed countries implement Basel I and II, stipulate lending limits as a multiple of a bank's capital eroded by the yearly inflation rate.
While the international standards of bank capital were established in the Basel I accord, Basel II makes significant alterations to the interpretation, if not the calculation, of the capital requirement. The risk-based capital guidelines are supplemented by a leverage ratio requirement. Although Tier 1 capital has traditionally been emphasized, in the Lates recession regulators and investors began to focus on tangible common equity , which is different from Tier 1 capital in that it excludes preferred equity.
In the Basel II accord bank capital has been divided into two "tiers"  , each with some subdivisions. Tier 1 capital , the more important of the two, consists largely of shareholders' equity and disclosed reserves. This is the amount paid up to originally purchase the stock or shares of the Bank not the amount those shares are currently trading for on the stock exchange , retained profits subtracting accumulated losses, and other qualifiable Tier 1 capital securities see below.
Shareholders equity and retained earnings are now commonly referred to as "Core" Tier 1 capital, whereas Tier 1 is core Tier 1 together with other qualifying Tier 1 capital securities. Owned funds stand for paid up equity capital, preference shares which are compulsorily convertible into equity, free reserves, balance in share premium account and capital reserves representing surplus arising out of sale proceeds of asset, excluding reserves created by revaluation of asset, as reduced by accumulated loss balance, book value of intangible assets and deferred revenue expenditure, if any.
Tier 2 capital, or supplementary capital, comprises undisclosed reserves, revaluation reserves, general provisions, hybrid instruments and subordinated term debt. Undisclosed reserves are where a bank has made a profit but this has not appeared in normal retained profits or in general reserves.
A revaluation reserve is a reserve created when a company has an asset revalued and an increase in value is brought to account.
A current revaluation is very likely to show a large increase in value. The increase would be added to a revaluation reserve. A general provision is created when a company is aware that a loss has occurred, but is not certain of the exact nature of that loss.
Under pre- IFRS accounting standards, general provisions were commonly created to provide for losses that were expected in the future. As these did not represent incurred losses, regulators tended to allow them to be counted as capital. They consist of instruments which combine certain characteristics of equity as well as debt. They can be included in supplementary capital if they are able to support losses on an ongoing basis without triggering liquidation.
Sometimes, it includes instruments which are initially issued with interest obligation e. Subordinated debt is classed as Lower Tier 2 debt, usually has a maturity of a minimum of 10 years and ranks senior to Tier 1 debt, but subordinate to senior debt.
To ensure that the amount of capital outstanding doesn't fall sharply once a Lower Tier 2 issue matures and, for example, not be replaced, the regulator demands that the amount that is qualifiable as Tier 2 capital amortises i.
The remainder qualifies as senior issuance. For this reason many Lower Tier 2 instruments were issued as 10 year non-call 5 year issues i. If not called, issue has a large step - similar to Tier 1 - thereby making the call more likely.
Regulators in each country have some discretion on how they implement capital requirements in their jurisdiction. For example, it has been reported  that Australia's Commonwealth Bank is measured as having 7. This demonstrates that international differences in implementation of the rule can vary considerably in their level of strictness.
Forms are already available. Please visit you bank with your business proposal. Dear sir I want loan for printing press machine please sent all details of eligibility of loan and interest rates and loan. Dear Sir, I Am v. At this time i suffering from mony crisis my private loan is 4. Sir, I want to start a ice cream distribution agency. Can I get collateral free loan under cgtmse. Namaste sir, I am interested to start a small scale insecticide plant, need Tarun loan, for this loan, asset surity is needed?
Or only project plan is enough? Please inform me about this…. Dear sir I open mobile shop but my bank mudra loan no provide pleas help me thank you Sbi ferozepur jhirka distt mewat haryana Gramin bank biwan teh ferozepur jhirka mewat. Dear sir mere pas ghar len he par mere pas pese ki kami he aap kuche madat karege asei meri subha kamna he thank you…. Sir my account is in canara bank and ihave applied for mudra loan they have corporated me they have done all the process of the loan i have submitted quotation, pan card aadhar card shop license shop agreement to the bank my first step is completed but i want to know the loan amount is given.
Dear air i want to open a restaurant please suggest me how to get this loan and also tell me that am i able to get this loan under pmmy. Dear sir, I m Mr Pratap bag at- mahalakata, p. You need to present a proper business plan in front of the banks and also you should have some kind of experience behind you.
Tharad,dist-Banaskantha,Gujrarat, applying for a mudra loan of Rs. My father is running a business of Motor parts and offers repairing and servicing services in addition. I live in Lucknow and enquired about this yojna from many banks whose name were present in the list you have printed on this site.
However, they all refused to give loans declaring that they do not follow this yojna. This is injustice being done to us since no bank is ready to listen to us and support. I request you to kindly look into it and provide me a solution. I do not have enough money to run these work. Please suggest me how to apply Mudra Yoganas loan scheme. I finished engineering degree. How to improve my business.
After have all documents, like partnership deed, company pan card, shop act license, only waiting for opening current account as we had decided to open with a bank who will provide us a Mudra loan.
ICICI says they dont have authority to give mudra loan despite of showing them ist of bank authorise to give Mudra loan. I have many such stories of different banks.. After all this effort what i feel mudra loan is issued to only who has good contact with bank manager or a person who already has existing business account with banks, or only for start ups who has political influence or any of the family member in government offices nothing for a common men.
Sir I am running small engineering goods manufacturing unit in peenya, so my business going well from two years we have current account in IDBI bank I approached the bank manager he gave me some required documents we arranged everything visited the bank he told me that we are temporarily stopped according to govt. Guidelines from that to till today after 4 months giving same reason not taken our application what to do you people playing with us we lost for preparing documents continueously calling for customer care always busy.
Sir, I have a computer center in kolkata, Birati. I want to increase this business. They inform not know, you come later. They do not follow the Govt. If bank do not want to give this such loan. Please stop it, no need such advertisement. I would like to know whether there is any age limit for availing Mudra loan.
Also please guide whether Mudra will finance for hotel industry. For that what should i do for that please give me some sugeestion. Pls give me details. Dear sir, I asked about Mudra Loan From Bank of Baroda, but their interest is not to give this type of loan they refused my conveyance. Please help me for my Business Starting.
Sir my father doing a gold jewellery business from last 25 years. So I am eligble for this mudra loan and where from I take it.
Hi sir, I need a business loan. Hello Sir, I want to start a business like Cyber Cafe, can i take a loan from Mudra bank for glorious my future. I would like to start a goat farm of max 10 goats. Farming business will be approved under the Mudra scheam?.
I need 1 lk maximum to by Goats and for the shelter and Can i apply for multiple businesses? Kinldy advice thank you. Sir, I want to start two wheeler dealership so how much loan amount has been sanction total cost of starting business is13 Lacs I have 5 Lac cash in hand i want 8 Lac loan.
Dear Sir, I want to start a business like Educational institution, can i take loan from Mudra bank. I have also APY account. If Yes then give me detail guidlines. I m a graphic designer and want to start my printing press in Darbhanga from initial stage, when I call for machine, machine cost is of around 7 lakhs, Plz help me how I get Mudra Tarun level benefit of 10 lakh loan, I swear I will pay all money.
Can I get Mudra Loan facility for running capital. Dear sir my name is P. Sir i want and i need loan. Dear sir I m regular coustmer in SBI bank. Dear sir, I am a customer of state bank of india for the last 3 years , as well as i am subscribed as the customer service point csp of the bank but still they are refusing to give me the pradhan mantri mudra yojana form.
I am going to use the loan amount for betterment of my customer service point csp my loan amount is of 10 lakh INR, as well as my other account is registered in HDFC bank but even they are refusing to give me the loan. It is my humble requested from you to pay some attention towards my request. Hello Sir, I have just now started business and wanted some loan around lac to grow it. This section of entrepreneurs would belong to either those who have already started their business and want additional funds to mobile the business or those who simply require this much of money to start up their businesses.
I can even provide you the details of branch. This is really cheating. Dear sir, I want to start a new mobile phones shop near our area. Sir please help me and give some advice to me. Which documents are want in the bank. So I want to be Rs. Bank of Maharashtra Manager is ready to give 1 lakh of Mudra loan but i need 3 lakh of Mudra Loan but he is not ready to approve for 3 lakh for mudra loan, He is ready to sanction 2. I thought that it was a great plan and I approached my nearest SBT bank.
I am not a very wealthy businessman and I am just planning to develop my business. I already have a SB account with the bank. Starting another current account seems to be a problem. So I kindly ask you to enquire about this matter and reply to my grieve. I want to setup a extra unit and a production centre which will help me and others a new opportunities.
Plz give guidelines for take loan.. I want to buy a another shop attached with my old existing shop. My purpose of buying this shop for expanding my existing business.. I need mudra loan for video editing setup. With this setup i run advertising agency also.
I need 9 yo 10 lack rupey amount for technical setup. Which bank support me in seoni malwa distict hoshangabad. My wife is doing the business of saling sarees in Kolkata. She has tread licence also. She requires more money around 6 L to expand her business. I visited several bank managers e. They all told me that she requires three years balance sheet, IT report etc. I repeatedly asked them that nothing is required mentioned in the advertisement.
They all discouraging to take loan. Pls conatct me at Sir I want to purchase a tata hyva so I wnt a pm mudra loan ashok sir plz tell. Greetings to you sir, Need a loan to startup a solar company for the residential roof top and heating purpose.
Hello Sir, My name is Pankaj Sonawane. There are several transactions from last two years. But now days i have to expand my business i have started solar business and i need loan for it. But I am belongs from a poor family so it could nt possible for me to invest money for to open a Beauty Parlour, I always think for a self dependent women with my own skilled work.
For all details procedures Do the needful. Please tell me, where i contact for loan i mean where is my small business otherwise my villages nearest bank. It requires 3 lakhs. Am i Eligible to get loan under this scheme? We are into pharma trading and ours is pvt ltd co. If so, why so much publicity by govt as it is collateral free. The response from bank managers was very very poor, atleast they should look into the application and should take the call whether to accept or reject.
Dear respected sir I want start polatry farm up to twenty thousands capacity and next have packed chiken supply in market,can I get the mudra loan and what documents required for that. Dear Sir, I am Planning to building material supple to be started.
So please help to buying a tata iris motor cab for mudra loan scheme. Dear Sir, I want start our business for retail of Construction material.
Yes, you are eligible for the same, please contact to your nearby branch of bank from where you want to take the loan. Sir I am planning for a small stationary shop. It requires 1 lakhs. I have gone to bank for mudra trun loan, pl. Sir jya vyaktila yachi aatyant garaj ashyana karz n deta yat vashilebaji chalu ahe mhanje loan berojgar ahe jyana kharach buisiness karayach ahe ashyana n deta tyana n deta shifarasivar dile jat ahe te me geli 5 mahine houn geli file banket submitted keli ahe keli file tasich ahe padun karan majyakad shifarus nahi mothya mansachi he yujna nakki berojgarasati ahe na ha prashna padla help me.
I Have salary account in Indusind bank and i need personal loan in mudra loan. Kindly send what are the formalities to get loan.
Dear Sir, I am Rajeev 40year from south part of Kerala. I have no more assets to give a collateral security for a bank loan,also my business is planing to start in rental shop.
Kindly give me some reliable information. Thanking you Rajeev g nair rajeevgnair73 yahoo. It all depends how much money Mudra banks are left for each financial year.
I am currently running a manufacturing unit. We have opened an OD account of limit 52 lakhs from Canara Bank. Is there any benefit for doing this? I wnat to start jwellery business. I have a proven-project-plan to establish an international-level Bakery at par with international quality standards. The land requirement is sq. Need a loan to startup a solar company for the residential roof top and heating purpose.
I want to be take loan from Mudra Bank but i have not any business experience. I want start dress material retail shop. I visited many of banks at Lucknow but none of bank is ready to provide information. Help me to getting a loan of between 1 to 2 lakhs only. I am in the business of computer hardware selling and in software training also. My bank was in the prime location in patna in bailey road and i know they have provided many loans from their bank to big companies.
I have propritership buisness. Dear sir, I have a business of steel trading in the name of Y. Where should i approach for the same. Actually I have account in iob. So how we can get a loan even we are asking them for personal loan in Indianoverseas bank.
Their are not even response for that also then how a common person can serve. If no then what is the other way to apply for loan from other bank? Sir my name is fenix from kerala.
I am share broker sub brokership. I have my business from last one year. Now i want to span and grow my business for that i want to take loan mudra loan upto 3 lakh. Respected Sir, I am Ahmad Raza from Varanasi, I want to know the details of the mudra loan because i want to start my personal business. Dear sir i want pradhan mantri mudra loan for opening electrical items business moduler box, consild Fan box, etc. Hi sir , I am planning start small boutique in delhi so I can apply for loan but my local residence in up.
Dear sir i want pradhan mantri mudra loan for opening tailoring coching santar big and with rojgar ladies and gents work job pless Help sir May nam Rahul sharma from up bharna Dist Hapur D. My name is Ms. Lhamu DOlma and am from Itanagar Arunachal Pradesh I came to know about the prime minister mudra scheme yojna and so would like to get more information regarding the documentation process??
I would also like to know the banks providing mudra loan at my area, Itanagar. Kindly help me with the above queries.. Can we got Mudra loan? Dear sir, Sir we are starting new business for transformers manufacturing so suggest to me how I can get lone and what papers required Thanks.
Sir I have atta chakki…. I want take loan for my atta chakki business …plz help me. My area bank manager is not doing anything for me……. Dear sir, Sir we are starting new business for Wedding Studio so suggest to me how I can get lone and what papers required Thanks. Dear Sir, my name is ranvijay pratap patel. Bro, once you start apply this you will come to know the problems.
After so much running, you will drop this loan idea. Time is money, so use that time behined your work and make something. This loans are only a political stunt. Just making normal people fools. You can check how many people got the loan.
So many have good business ideas, but government will not do anything for them. Making fools by statements. Sir i want to open a manufacturing unit of metal sheet. Am i eligible for loan i need a loan of approx. Pls suggest me what should i do. I am Arun kumar, I m running a business of Digital Colour Press, since last 25 years in this field… I need financial help for additional unit for existing shop, a project worth of Rs.
I have own shop. Sir, I want to open a home goods shop. I need money so that I can start my bussiness. Am I the eligible person to get a loan for that kind of small business?
If yes then how can I apply for a loan? And what will be the essential documents which I have to submit? Is a guarantee paper require for this loan? You may use these HTML tags and attributes: November 24, at January 19, at 3: January 19, at 5: February 4, at 5: February 4, at 7: February 8, at 7: February 10, at 3: February 12, at 6: Bhat Nilesh Yuvraj says: February 13, at 4: February 14, at 5: March 16, at 1: November 24, at 7: November 24, at 5: March 7, at 6: November 26, at 4: November 27, at November 30, at December 1, at 4: December 1, at 8: January 17, at 7: January 31, at 8: December 2, at 6: April 25, at 6: December 5, at December 8, at 6: February 22, at February 19, at 5: December 8, at 5: December 7, at 2: Shankar Lal saini says: December 8, at 2: December 11, at December 12, at December 19, at 6: December 12, at 5: December 12, at 9: December 14, at December 15, at 4: December 15, at 9: Sham Lal Sharma says: December 19, at December 20, at December 20, at 6: December 21, at 9: December 22, at 4: December 22, at 6: December 23, at 6: December 24, at 1: December 24, at 7: December 25, at 1: December 25, at December 26, at 9: December 26, at January 1, at January 1, at 3: January 2, at Lata Arvind Deshmukh says: January 3, at 8: January 4, at January 4, at 4: January 7, at 1: January 5, at January 6, at 6: January 6, at 9: January 6, at 2: January 15, at 4: January 7, at 3: January 7, at 6: Bhuvana N Sharma says: January 7, at Sib sankar saha says: January 8, at 5: January 10, at 4: January 10, at 5: Arun Pandian M says: January 11, at 3: January 11, at 8: January 11, at 9: January 13, at 4: January 22, at 1: January 12, at 7: January 12, at January 13, at 3: January 12, at 2: January 12, at 4: January 13, at 5: January 13, at January 14, at 4: January 14, at 6: January 14, at 7: January 15, at 5: January 15, at 9: January 15, at January 15, at 7: January 16, at 1: January 16, at 7: January 16, at January 16, at 3: January 17, at 5: January 18, at 2: January 18, at 7: January 22, at 2: January 17, at 6: January 17, at January 17, at 2: January 18, at 9: January 19, at 7: January 19, at Kaberi Dutta Baruah says: January 19, at 1: January 20, at 7: Ashish Kumar Tiwari says: January 20, at January 20, at 5: January 21, at 6: January 28, at 3: January 21, at 9: January 21, at 5: January 22, at January 22, at 3: January 22, at 4: January 22, at 8: Shashi Prabha Kumari says: January 23, at 2: January 25, at 4: January 25, at 7: January 25, at 8: May 7, at 9: January 26, at January 28, at 5: January 28, at 7: January 28, at 8: January 30, at 6: January 30, at 7: January 30, at 1: January 30, at 5: January 31, at 7: February 1, at 5: February 1, at February 1, at 7: February 1, at 2: February 2, at 3: February 3, at 7: April 25, at 8: February 3, at 8: February 3, at 2: February 3, at 6: February 4, at 8: February 4, at 9: February 4, at 4: February 5, at 3: February 5, at 6: February 5, at 5: February 5, at 9: February 5, at February 7, at 7: February 7, at 3: February 6, at 5: February 6, at February 6, at 2: February 7, at 9: February 7, at 1: February 9, at 4: February 8, at February 9, at 2: February 9, at 5: February 9, at 7: February 9, at 1: February 9, at 3: February 9, at 8: February 10, at 5: February 10, at February 10, at 4: February 10, at 1: February 11, at 3: February 11, at 9: February 11, at February 11, at 1: February 11, at 5: February 17, at 4: February 12, at March 8, at February 12, at 2: February 12, at 4: February 13, at 7: February 13, at 2: Sushant Kumar singh says: February 14, at 8: February 14, at February 15, at 9: February 15, at February 16, at 7: May 2, at 6: February 16, at 2: February 16, at 5: Mahendra kumar bunkar says: February 17, at February 17, at 7: February 17, at 5: February 17, at 8: February 18, at 3: February 18, at 7: February 18, at 1: February 18, at 2: February 18, at 4: Nirmal Kumar Jha says: February 19, at 6: February 19, at February 20, at February 20, at 3: February 20, at 6: February 21, at 6: February 22, at 1: February 22, at 2: February 22, at 3: February 23, at 5: February 23, at February 23, at 4: February 24, at 3: February 24, at 8: February 24, at February 24, at 5: February 25, at 5: February 25, at 6: February 25, at 8: February 25, at February 25, at 1: February 25, at 7: February 26, at 3: February 26, at 5: