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Qualified Doctors (Allopathic, Unani, Ayurvedic, Homeopathic) & registered practitioners, having minimum qualification: MBBS/ BAMS/ BDS/ BHMS/BUMS Constitution
Individuals/ Partnership/ Ltd Liability Partnership/Pvt. Ltd.Co/Ltd.Co/ Trust.
For constituents other than Individual and trusts a minimum 75% of stake (Equity in case of Pvt. Ltd.Co/Ltd.Co) should be from qualified doctors.In case of trusts at least 75% of the trustees should be qualified doctors.
i) To finance for purchase of various surgical, X-Ray, CT Scan etc. and other Electro Medical equipments including other sophisticated equipments. Loan can also be allowed for Operation Theatre equipments, Air Conditioners, Generators, Refrigerators, Ambulances, Computer and accessories, software necessary for diagnostic purposes and UPS systems or for purchase of equipments, machineries, purchase of vehicles, and any other items to start Clinics/Nursing Homes/Medical Centres.To set up Reproductive Child Health care centers in Semi Urban/Rural Centres.
ii) Finance can also be allowed for purchase, construction, addition, alteration, renovation, furnishing of Clinics / Nursing Home / Medical Centres (Including Land for Clinics / Nursing Home / Medical Centres. However, it must be ensured that land is not used for any other commercial purpose), cost of medicines if any to be procured and day to day operations like salaries etc.
Subject to the condition that Value of Equipment (as per MSMED ACT 2006) existing and proposed the proposed shall not exceed Rs. 5 Crore.
Tenor premium of 0.50 is to be added for arriving at interest rate in respect of loans (Term loan / Overdraft –Monthly Reducing DP) repayable in 3 years & above.
However, the facility of Overdraft be allowed by Circle Head.
Maximum 7 years in equal Monthly/Quarterly instalments inclusive of a maximum moratorium period of 6 months. However, a higher moratorium period of 18 months may be allowed in case of construction of nursing home/ clinic/ medical centre. (Where Land is purchased for construction of Clinics / Nursing Home / Medical Centres, the construction should start within a period of 6 months and should be completed within moratorium period.)
Overdraft: The loan is to be repaid in maximum 7 years, through a monthly reducing Drawing Power (DP), the reduction to commence from the month following the month upto which moratorium period, if any, has been allowed.
Term Loan & Overdraft: Hypothecation of equipments / items purchased/Equitable mortgage of land and building of Clinics / Nursing Home / Medical Centres in case the loan is for acquiring/constructing Clinics/Nursing Homes/Medical Centres.
Loans upto Rs. 10 Lakh:
No collateral & third party guarantee. To be covered under Credit Guarantee Scheme of CGTMSE.
Proposals up to Rs. 100 Lakh, covered under Credit Guarantee Scheme of CGTMSE:
No collateral or third party guarantee.
Loans above Rs.10 Lakh up to Rs.20 Lakh (if not covered under Credit Guarantee Scheme of CGTMSE): Third Party Guarantee
Loans above Rs 20 Lakh (if not covered under Credit Guarantee Scheme of CGTMSE):
Collateral Security: Equitable mortgage of immovable property equivalent to 100% of loan amount.
A discount of 20% in upfront fee will be given in case of application is received on-line.
Disposal of Loan Applications be subject to a time frame as under:
Upto Rs. 2 lakh
Above Rs.2 lakh & upto Rs.50 lakh
Above Rs.50 lakh & upto Rs.100 lakh
Above Rs.100 lakh & upto Rs.100 crore
Provided application received is complete in all respect and is accompanied by all the requisites.
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