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Tag: Eligibility

  • Telangana State Eligibility Test postponed to March 17: OU

    Telangana State Eligibility Test postponed to March 17: OU

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    Telangana State Eligibility Test postponed to March 17: OU

    Hyderabad: In the latest announcement, Osmania University declared that the Telangana State Eligibility Test (TS SET) was rescheduled due to MLC (Teacher) constituency elections.

    TS SET member secretary Professor C. Muralikrishna released a statement on Tuesday stating, “Only the papers which were scheduled for March 13 will now be held on March 17.”

    Examinations for Chemical Sciences, Computer Science and Applications, Environmental Sciences, Geography, Hindi, Linguistics, Sanskrit, Economics, Education and English were scheduled on March 13.

    While there will be no change in the tests scheduled for March 14 and 15.

    Hall tickets for this rescheduled examination can be downloaded from March 10.

    A computer-based test will be conducted for eligibility as an assistant professor or lecturer.

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    ( With inputs from www.siasat.com )

  • IGNOU Scholarship 2023, Eligibility, Apply Online, Application Form

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    IGNOU Scholarship 2023, Eligibility, Apply Online, Application Form


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    IGNOU Scholarship 2023: Indira Gandhi National Open University aids financially weak students in getting admission to different courses by providing the scholarship program. With this scholarship, students no longer need to worry about their financial circumstances affecting their students. Besides financially weak students, the IGNOU scholarship program is applicable for SC/ST students and for single girl child to their parents.

     

    The students willing to take benefit from the IGNOU-RF strategy must go through the following article describing all the necessary details.

    Key Points for IGNOU Scholarship Notification

    1. The benefits from the IGNOU scholarship scheme are only applicable to academic programs/courses. So, the students must check the list of programs given below in this article.
    2. The students enrolled in certificate/diploma programs are not eligible to apply for the scholarship.
    3. The candidates of the SC/ST category are eligible and have to fill out the online application form for the same. Also, they require a soft copy of documents to claim their eligibility.
    4. Students getting enrollment in both a certificate-level program and an undergraduate program simultaneously shall be eligible. However, they will get scholarships only for one of them.
    5. The IGNOU scholarship is not applicable for employed SC/ST candidates.
    6. The students taking any other scholarship or exemption shall also not take the benefits of the IGNOU scholarship. Therefore, an undertaking declaring that the candidate is not taking any other scholarship should be taken along with the online application for the IGNOU scholarship.
    7. Candidates must submit their online application for the scholarship scheme before the last date through the official website of IGNOU.
    8. Detailed information about the IGNOU scholarship is given on the application form. Therefore, students should read it thoroughly before applying for the scholarship program.

    List of Programs Applicable for Scholarship SC-ST/TSP for the July 2023 session

    Sl No.ProgramSCHOOL
    1BA (General)SOSS
    2BSc (General)SOS
    3BCom (General)SOMS
    4PGDTSOTST
    5CNMSOMS
    6DAFESOSW
    7CPFSOA
    8COFSOA
    9CCPSOL
    10CTPMSOS
    11CAFÉSOSW
    12DEVMTSOCE
    13CFAIDSOHS
    14PGDESDSOS
    15CTESOH
    16PGDUPDLSOEDS
    17DCESOH
    18PGDEMASOE
    19CLTASOSS
    20CVAPSOPVA
    21PGCCLSOL
    22CHBHCSOHS
    23PGDPPEDSOE
    24DAQSOS
    25CPVESOEDS
    26CFLSOFL
    27CTRBSSOSW
    28PGDCJSOL
    29PGDACSOS
    30PGDHESOE
    31PGDFSQMSOA
    32ACISESOVET
    33CETMSOET
    34CISSOA
    35CSWCJSSOSW
    36CMCHNSOHS
    37CIBSOA
    38PGDISSOVET
    39CHCWMSOHS
    40PGDASTSOS
    41PGDSLMSOE
    42PGCCCSOITS
    43CSLCSOFL
    44CWHMSOA
    45CPSCMSOSS
    46PGDLANSOSS
    47PGCAPSOA
    Sl No.ProgramSCHOOL
    48PGDIPRSOL
    49PGDETSOE
    50DIPPSOL
    51CGLSOFL
    52PGCGISOS
    53CFDESOVET
    54CULSOH
    55DMOPSOVET
    56DWMSOA
    57PGDCOUNSOSW
    58PGDPMSOA
    59DCCNSOHS
    60PGDEOHSOITS
    61CNINSOHS
    62CAHTSOSS
    63PGDGPSSOSS
    64ACPDMSOET
    65CRULSOFL
    66CVAASOPVA
    67DVAPFVSOA
    68CGDASOHS
    69CJLSOFL
    70PGDFCSSOITS
    71PGDDVSSOEDS
    72CKLCSOFL
    73PGDPSMSOVET
    74CIHLSOL
    75PGDAPPSOJNMS
    76CPATHASOPVA
    77CCLBLSOL
    78PGCPPSOL
    79CPAHMSOPVA
    80DFPTSOA
    81PGDSSSOITS
    82CALSOFL
    83PGCGPSSOSS
    84CCRSOJNMS
    85CPABNSOPVA
    86CPHASOHS
    87PGCAESOE
    88CGCASOHS
    89CHHASOHS
    90DTGSOFL
    91CPELSOFL
    92DMTSOA
    93DULSOFL
    94PGDAESOE
    95CCPDSOET
    96CPAKMSOPVA
    97PGDMHSOSS
    98DPVCPOSOA
    99PGCIATIVISOE
    100PGDBPSOH

    Requirements for IGNOU Scholarship  Online Application

    While submitting the online application for the IGNOU scholarship, the following requirements must be fulfilled:

    • Along with the application form, a passport size photograph, attested income certificate, community certificate, address proof, and Aadhar card copy has to be submitted.
    • Personal and educational details are asked in the scholarship form, so the applicant needs to enter them carefully.
    • The application form with any discrepancy will be rejected by the exam board of IGNOU for the scholarship.
    • The IGNOU scholarship form will be issued online on the official website. But, the candidates are advised to keep their hard copies for their future references.
    •  The scholarship form must be submitted online before the last date. Besides this, the hard copy of the same must be submitted to the regional study center of IGNOU.

    IGNOU Scholarship and Reimbursement of Fees Rules

    • At the time of admission, all the students have to submit the full fee to the IGNOU including reserved category students who are Physically Handicapped.
    • Reserved category students viz. SC, ST, and Physically Handicapped enrolled in any of the IGNOU programs are eligible for GOI scholarships, but only at the PG level.
    • These scholarship forms can be obtained from the Directorate of Social Welfare or the Office of the Social Welfare Officer of the concerned State Government. This is followed by submitting the filled-in form to them via the concerned Regional Director of IGNOU.
    • Besides this, the scholarship program of the National Centre for Promotion of Employment of Disabled People (NCPEDP) is also applicable for PG-level students of IGNOU.

    Eligibility Criteria

    The applicant for the IGNOU scholarship must meet the academic eligibility criteria as given below:

    This scholarship by IGNOU will be available only for PG first-year students who are enrolled in a regular full-time Master’s Degree course.

    • Students of Ph.D. or SC or OC or ST categories can also apply for the IGNOU scholarship.
    • This scholarship is provided to support financially weak students so the yearly income of parents/guardians must not be more than 3 lakhs.

    How to apply for IGNOU Scholarship

    Students can easily apply for the IGNOU scholarship by following this simple guide to fill out the application form for the same. So, without further ado, let’s get started:

    • Visit the official website of IGNOU, i.e. ignou.ac.in, and log in providing the enrollment no., selecting the program, and entering the DOB.
    • Thereafter, download the IGNOU scholarship form from the official site or directly Click Here to Download.
    • Fill out the application form by entering the student’s name, program code, name of the program, duration of the program, and other required details.
    • Provide the correct Bank account details and IFSC Code. Later, submit it along with the Student ID Card, and Caste Certificate at your corresponding Regional Center.

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    ( With inputs from : kashmirpublication.in )

  • JK Bank Personal Consumption Loan Scheme Check Eligibility

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    NATURE OF FACILITY

    • Term Loan.

    PURPOSE

    • For any personal/professional need.

    QUANTUM OF FINANCE

    • 2.5 times net annual income or 30 months net monthly income or Rs.20.00 Lakhs whichever is lower. Average of the income of the last two years to be considered. Gross Deductions including existing loan instalment (if any) & proposed loan instalment, Income tax and other compulsory / optional deductions not to exceed 60% of gross income.

    ELIGIBILITY

    • Doctors , Engineers, Architects, CA’s , Lawyers etc Who are self-employed & earn their income by virtue of their profession, and are maintaining relationship with our Bank.

    MAXIMUM TENOR

    • 7 years i.e. 84 months.

    SECURITY

    • For loans upto 10.00 lacs: 3 rd party guarantee of two person having individual Net Worth of at least 200% of the loan amount.
    • For loans above 10.00 lacs: Equitable/ registered mortgage of Tangible collateral securities with realizable value equal to or more than110% of loan amount in addition to third party guarantee of 02 persons having individual Net Worth of at least 200% of the loan amount. or Extension of charge on Tangible collateral securities, already charged to bank under other facilities, having sufficient residual value (110% or above) to secure loans under Personal Consumption scheme along with Third party guarantee of 02 persons having individual Net Worth of at least 200% of the loan amount.

      However in deserving cases, based on merits of individual case, the sanctioning authority may waive off the requirement of mortgage and instead of it stipulate 3rd party guarantee of two or more persons having individual net worth of at least 200% of loan amount. However, it shall be ensured that, where ever such relaxation is granted, at least two of the guarantors have adequate recurring perpetual income to repay the loan in case the principal borrower fails to do so.

    MARGIN

    • NIL.

    RATE OF INTEREST (SUBJECT TO CHANGE)

    • MCLR 3Y + 4.00 % (fixed) with monthly rests
    • Click here for rate of Interest

    REPAYMENT PERIOD

    • To be repaid in equated monthly instalments (EMIs) to be fixed as per tenor of the loan. Repayment to start one month after the date of disbursement of loan

    PROCESSING CHARGES

    • 1% of loan amount + applicable GST subject to a maximum of Rs 10,000/- + GST (currently 18%)

    F112F5FA 168C 4ADB 9222 DB1B840B9CF4

    The post JK Bank Personal Consumption Loan Scheme Check Eligibility and Rate of Interest appeared first on Kashmir Publication.

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    ( With inputs from : kashmirpublication.in )

  • J&K Bank Business Start Up Loan Scheme Check Eligibility

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    To finance a new enterprise in manufacturing/services sector by entrepreneurs of age less than 45 years. The activities under this scheme include: community, social & personal service, food products, textiles, micro units, engineering like electronic, e-commerce, GSM/ GPRS based technology, IT & allied services, biotechnology like microbial, plant, medical genetics and diagnostics, health care and life sciences, tourism, handlooms, handicrafts and artisan products, beauty spas, boutique, fitness centre, kindergarten/preschool, formal school, crèches, tuition centres, media & entertainment, agriculture, e.g. pisciculture (fishery), apiculture (beekeeping), poultry, livestock, dairy, agri-clinics & agribusiness centers, aggregation agro industries, food & agro processing and services supporting these.

    Preference will be given to applicants who are recommended by recognized Incubators like Shri Mata Vaishno Devi University Technology Business Incubation Center Society (SMVDU TBIC), Centre for Trainings & Skill Development (CTSD) and Centre for Incubation & Business Acceleration (CIBA) of Jammu & Kashmir Entrepreneurship Development Institute (JKEDI)/ training institutions like ITIs.

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    ( With inputs from : kashmirpublication.in )

  • J&K Bank Laptop/ PC Finance Scheme Check Eligibility

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    F112F5FA 168C 4ADB 9222 DB1B840B9CF4

    NATURE OF FACILITY

    • TERM LOAN.

    PURPOSE

    • To provide finance for purchase of Laptop/ PCs / Netbooks / Tablets.

    ELIGIBILITY

    • Permanent Employees, Contractual employees, Professionals, Self-employed Individuals, Proprietorship concerns, Teachers under Rehaber-a-Taleem J&K Govt., Officials under Rehaber-a Zeerat , J&K Govt.,  Pensioners drawing their monthly pension through our bank.
    • Employees of Private Limited Companies, Private Organizations, Reputed Establishments.
    • Regular students of recognized schools, colleges & universities.
    • Regular teachers of recognized private schools (must be permanent residents of Union Territories of J&K and Ladakh).

    AGE OF THE APPLICANT

    • Minimum age: 18 years.
    • Maximum age at loan maturity: For employees Date of retirement or 60 Years whichever is earlier.
    • For others: 70 years.

    QUANTUM OF FINANCE

    • Maximum of Rs.1,50,000/=.

    MARGIN

    • 10%.

    SECURITY

    PRIMARY:

    • NIL for loans up to Rs. 50000/-
    • Hypothecation of Laptop/PC/Netbook/ be purchased, if loan amount is above Rs. 50,000.00

    COLLATERAL:

    • Nil for:
      • Government employees drawing salary through our Branches & where letter of confirmation is available.
      • Platinum / Gold / Premium plus Current account holders, having maintained satisfactory accounts for at least last 6 months.
      • Cash Credit / SOD account holders having a sanctioned limit above Rs 5 lacs and minimum average utilization percentage above 60% from at least 6 months prior to this facility.
      • Customers having Fixed Deposit accounts of value more than Rs. 5 Lakh in the Business unit sanctioning the facility. The deposit should be more than 3 months old at the time of disbursement of the loan.
    • Third Party Guarantee of one person for all other categories.

     

    PROCESSING CHARGES

    • NIL

    RATE OF INTEREST (SUBJECT TO CHANGE)

    • 3 year MCLR plus 2.50%, fixed.
    • Click here for rate of Interest

    REPAYMENT

    • 12 to 48 months in equated monthly installments.
    • No Pre-payment Charges

    MORATORIUM PERIOD

    • Nil

    F112F5FA 168C 4ADB 9222 DB1B840B9CF4

    The post J&K Bank Laptop/ PC Finance Scheme Check Eligibility and Rate of Interest appeared first on Kashmir Publication.

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    ( With inputs from : kashmirpublication.in )

  • NEET UG 2023: Registrations Process – Check Eligibility Criteria, Application Form Fee & Steps To Apply – Kashmir News

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    NEET UG 2023: The registration for the National Eligibility cum Entrance Test Undergraduate (NEET UG) 2023 exam will commence by March 5, a NTA official has confirmed to indianexpress.com. Once released, candidates will be able to apply at the official NTA website — neet.nta.nic.in.

    To apply, candidates will need scanned images of the candidate’s recent Passport size Photograph, Postcard size Photograph, Signature, Left and Right-hand Fingers and Thumb impression, Category Certificate (if applicable), and Citizenship Certificate (if applicable).

    News WhatsApp Group Links – Join Now

    The NTA NEET examination will be conducted on May 7, 2023 at various exam centres across the country. The examination will be conducted for admission to various MBBS, BDS, BAMS, BSMS, BUMS, and BHMS Courses as per the relevant norms/guidelines/regulations notified by the concerned Regulatory Bodies.

    The application dates, exam admit card, exam city intimation link and other details will be available on the information bulletin. Keep checking this space for latest updates on registration dates, registration link and other details.

    NEET UG 2023 Registration

    Candidates who are pursuing or have passed class-12 board examination in the science stream with biology as their main subject can apply for the NEET UG 2023 examination.

    After the NEET exam, based on the score can take admitted to AIIMS, JIPMER, AFMC, government, and top private colleges.

    NEET UG 2023: Eligibility Criteria

    • -The minimum age is 17 years and no upper age limit.
    • -Intermediate appearing or passed.
    • -Science stream with biology as the main subject.
    • -Open-category students must have 50% or above in Intermediate, while reserved-category students must have 40% or above in Intermediate.

    NEET UG 2023: Application Form Fee

    • General/UR – ₹1600
    • EWS/OBC – ₹1500
    • SC/ST/PWD/Third Gender – ₹900

    NEET UG 2023: Syllabus

    • Botany – The exam will have 50 question on Botany for 180 marks
    • Zoology -The exam will have 50 question on Zoology for 180 marks
    • Physics -The exam will have 50 question on Physics for 180 marks
    • Chemistry– The exam will have 50 question on Chemistry for 180 marks

    NEET UG 2023: Steps to Register

    • Step 1: Go to the official website at neet.nta.nic.in
    • Step 2: Look for and click on the NEET UG 2023 registration link when activated.
    • Step 3: Enter the login details and fill up the NEET UG application 2023 form.
    • Step 4: Upload the essential scanned documents in the prescribed format.
    • Step 5: Pay the mandatory fee and submit the NEET UG application form.
    • Step 6: Download the NEET UG 2023 confirmation page for future reference.

    FOR FULL 👉: CLICK HERE

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    ( With inputs from : kashmirnews.in )

  • J&K Bank Coaching Fee Loan Scheme Check Eligibility

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    8FE7849C B144 4498 8FF8 2D1476C6FAB6

    NATURE OF FACILITY

    • Term Loan

    PURPOSE

    • Financing fees of coaching classes or institutes that train students for entrance examinations to courses like medicine, engineering and civil services etc. and for other related expenses like lodging / boarding, purchase of Laptop/ PCs / Netbooks / Tablets / Study Material / eTutorials.

    CLASSIFICATION

    • Priority.

    ELIGIBILITY

    • Student should be an Indian National and should have completed Class X or above aspiring for admission in Engineering, MBBS, MBA, Post-Graduation courses etc.
    • Students pursuing graduation/post-graduation course or employed individuals, desirous of competing for Civil Service Exam of UPSC / State Public Service Commission for employment in IAS, KAS, IPS, KPS etc.
    • The students should have secured a minimum of 55% marks in the previous qualifying exam.
    • Age not exceeding the maximum for targeted competitive exam
    • Parent/Guardian only borrower, if age of the student is below 18 years.
    • Parent/Guardian, jointly with the student if age of the student is 18 years or above.

    BORROWER ELIGIBILITY

    • Permanent Employees of State / Central Government, Government / Semi-Government Undertakings, Autonomous Bodies, Public Limited Companies / Private Limited Companies who have been in current employment for a period of not less than two years.
    • Professionals, Self Employed Individuals ,Proprietorship Concerns, Persons engaged in agricultural and allied activities having at least one year satisfactory dealing with J&K Bank.
    • Pensioners State/Central Government, Public Sector Undertaking.

    BORROWER’S AGE

    • Maximum age of Parent/Guardian at loan maturity: 65 years or age of retirement whichever is earlier.
    • If Parent/Guardian is a pensioner maximum age at loan maturity: 68 years

    MAXIMUM LOAN:

    • Rs. 2 Lakh per child for coaching studies in India.
    • Maximum Amount per parent/guardian- Rs.4 Lakh only.

     

    • Finance for purchase of Laptop/ PCs / Netbooks / Tablets / Study Material / eTutorials should not exceed Rs. 40,000/= per student within the overall limit of Rs. 2.00 Lakh.

    QUANTUM OF FINANCE

    • For Permanent Employees / Pensioners: Maximum 18 times of gross monthly salary / pension/ income or 90% of coaching fee (which may include boarding & lodging expenses if available in-house) plus 75% of the other expenses like purchase of Laptop/ PCs / Netbooks / Tablets / Study Material / eTutorials or Rs 2 Lakh per child/student, whichever is lower.
    • For Other Eligible Categories: 1.5 times of average gross annual income of last two years or 90% of coaching fee (which may include boarding & lodging expenses if available in-house) plus 75% of the other expenses like purchase of Laptop/ PCs / Netbooks / Tablets / Study Material / eTutorials or Rs 2 Lakh per child/student, whichever is lower

    PROCESSING CHARGES

    • Rs. 250

    MARGIN

    • 10% of the coaching fee (which may include boarding & lodging expenses if available in-house).
    • 25% of the other expenses like purchase of Laptop/ PCs / Netbooks / Tablets / Study Material / eTutorials

    SECURITY

    • Primary : NIL
    • Collateral: Third Party Guarantee of One person.
    • In case of pensioners, guarantee of one person & guarantee of Spouse eligible for family pension shall be obtained.
    • No third party guarantee required in respect of permanent employees of State – UT and Central Government, State–UT / Central Government Undertakings & Autonomous bodies drawing salary through our Bank and where letter of undertaking from employer is available.

    RATE OF INTEREST (SUBJECT TO CHANGE)

    • RLLR + 2% Floating
    • Click here for rate of Interest

    REPAYMENT

    • 36 months including moratorium period of 3 months.

    8FE7849C B144 4498 8FF8 2D1476C6FAB6

    The post J&K Bank Coaching Fee Loan Scheme Check Eligibility and Rate of Interest appeared first on Kashmir Publication.

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    ( With inputs from : kashmirpublication.in )

  • J&K Bank Bike And Scooty Loan Scheme Check Eligibility

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    PURPOSE

    • For purchases of fresh Two wheelers i.e. Scooters, Scooties, Motor Cycles, Mopeds, Battery-Operated Scooters etc of any make and model.

    ELIGIBILITY

    • Employees of Government/Semi-Government Undertakings, Autonomous bodies, Public Sector Undertakings, Private Companies or Reputed Establishments.
    • Professionals or Self-employed individuals / Businessmen / Employees on contractual basis (Rehbare-I-Talim, Rehbare-I-Zerat)
    • Pensioners , Family Pensioners drawing their pensions from our Bank.
    • Persons engaged in Agricultural and allied activities.
    • Students with a parent (Mother or father or both) as Co-borrower. Income of both the father and mother can be considered for arriving at quantum of finance and repaying capacity.
    • Housewives aged 18 years & above, with spouse as Co-borrower. Income of the spouse shall be considered for finance.
    • Minimum employment
      • (Applicant/Co-borrower): The applicant must have been in current employment for a period not less than 6 months or must have a business standing of at least 1 years.
        • Employees on contractual basis in Government / Semi-Government undertakings, Autonomous bodies & public Sector undertakings shall also be eligible, if they have been in current contractual job for a period not less than 1 year and the remaining contract period is longer than the chosen repayment period.

    AGE

    • Minimum age of applicant/co-borrower: 18 years
      • (16 years for purchase of scooter having engine capacity below 55CC).
    • Maximum age of applicant at loan maturity: 65 years.

    INCOME CRITERIA

    • Minimum Net Annual Income :  Rs. 75,000/- .

    QUANTUM OF FINANCE

    • Minimum: Rs.25,000/-
    • Maximum: Rs.2,50,000/-

    MARGIN

    • 10% of the ex-showroom price for Two wheelers with ex-showroom price up to Rs.1,00,000/-.
    • 20% of the ex-showroom price for Two wheelers having ex-showroom price above Rs.1,00,000/-.

    REPAYMENT PERIOD

    • Maximum period of 60 months.

    RATE OF INTEREST (SUBJECT TO CHANGE)

    • RLLR+2.00%  (Fixed) RLLR+1.50% (Floating)
    • Click here for rate of Interest
    • Rebate of 25 basis point for female borrowers.

    SECURITY

    • Primary
      • Hypothecation of Two – Wheeler to be purchased.
    • Collateral
      a) No third party guarantee required in respect of permanent employees of State / Central Government, State / Central Government Undertakings & Autonomous Bodies drawing salary through our Bank and where letter of undertaking from employer is available.
      b) Guarantee of one person for all others.

    PREPAYMENT CHARGES

    • Nil

    PROCESSING CHARGES

    • 1% of Loan amount to be paid upfront subject to a
      • Minimum of Rs. 500/- and
      • Maximum of Rs-2000/

    F112F5FA 168C 4ADB 9222 DB1B840B9CF4

    The post J&K Bank Bike And Scooty Loan Scheme Check Eligibility and Rate of interest appeared first on Kashmir Publication.

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    ( With inputs from : kashmirpublication.in )

  • JK Grameen Bank Two Wheeler Loan Check Eligibility

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    Purpose:

    For purchase of new Two-Wheelers i.e. Scooters, Motor Cycles, Scooties, Battery-Operated Scooters, etc. of any make and model.

    Eligibility:

    1. Employees of Government / Semi-Government Undertakings, Autonomous bodies, Public Sector Undertakings, Private Companies or Reputed Establishments, Professionals or self-employed individuals/ Businessmen, etc.
    2. Pensioners, drawing their monthly pension from our Bank or other Banks whose spouse is alive and is eligible for family pension. The spouse shall stand as guarantor.
    3. Minimum age of applicant: 18 years.
    4. Students, aged 18 years & above, with Father or Mother or Spouse as co-borrower.
    5. Maximum age of applicant at loan maturity: Age of Retirement for salaried individuals & 65 years for others.
    6. Minimum employment: The applicant must have been in current employment for a period not less than 1 year or must have a business standing of at least 2 years.
    7. The borrower should have a valid driving license.
    8. Minimum Net Annual Income of Rs.1.00 lac.

    Amount of Loan:

    1. 12 times net monthly salary/ income or 75% of the ex-showroom price of two wheeler or Rs. 1.00 lac ((Rs.2.00 lac for motorcycles only), whichever is less.
    2. In case of girl students/ working ladies, the maximum finance shall be available up to 85% of the ex-showroom price of scooties within the above prescribed limits.
    3. In case the requirement is more than the maximum finance amount, the borrower must bring that amount as additional margin.
    4. The net monthly home take income/ salary of the borrowers after including the installment amount on this loan should not be less than 40% of the gross monthly income/ salary.
    5. In case of students who are either still studying/ don’t have regular or documented source of income, the finance shall be provided in their name with parent/ Guardian/ Spouse as co-borrower and the 40% net home take salary principle shall apply to co-borrowers.

     

    Margin:

    1. 25% of invoice value
    2. 15% of invoice value (for girl students/ working ladies for purchase of scooties only).

    Security:

    1. Primary: Hypothecation of two-wheeler to be purchased.
    2. Collateral: Third party guarantee of one person of sound net means/ income to withstand the liability.

    Repayment:

    Maximum of 60 months. However, a borrower can opt for any tenure within the maximum ceiling.

    Processing charges:

    0.50% of the loan amount.

    (NIL for girl students/ working ladies for purchase of scooties only).

    * Conditions Apply

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    ( With inputs from : kashmirpublication.in )

  • J&K Bank Kissan Dost Finance Scheme Check Eligibility

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    PURPOSE

    For purchase of wide range of Agricultural/Horticultural implements/machinery including Power Tillers, Reapers, Weeders, Harvesters, Rice Transplanters, Pump Sets, Sprayers, Threshers, Tractors, Load Carriers, Wheel Carts,  Three wheeler Load Carriers, One Ton Load Carriers etc. The list is indicative and not exhaustive. It can include all types of implements/equipments, machinery utilized by the farmers for farm mechanization purposes.

    ELIGIBILITY

    1. For financing Tractors/Harvesters/Reapers/Four Wheeler Load Carriers

    Farmers/Employees owning minimum Irrigated cultivable agri land holding of 4 kanals or more for cultivation of crops including vegetables, floriculture, horticulture, cereals, pulses, fruit, medicinal and aromatic plants, etc.

    OR

    Non-Irrigated cultivable agri land holding of 8 kanals or more for cultivation of crops including vegetables, floriculture, horticulture, cereals, pulses, fruit, medicinal and aromatic plants, etc.

    2.For financing Power Tillers, weeders, Rice transplanters, Pump Sets, Sprayers, Threshers, Three Wheeler Load Carriers etc.

    Farmers/ Employees with minimum cultivated agri land holding of half an acre i.e. “4 kanals” for cultivation of crops including vegetables, floriculture, horticulture etc. The maximum amount of loan to the farmers having 4 kanals of land shall not exceed Rs 7.00lacs.

    3. For financing pump sets, sprayers, grass cutter, baskets & receptacles, ladder, trays handcarts etc.

    Farmers/Employees owning minimum apple cultivated land of 2 kanals. The maximum amount of loan to the farmers having 2 kanals of land shall not exceed Rs2.00lacs.

     

    MAXIMUM PERMISSIBLE FINANCE

    1.General Category Borrowers Maximum Loan Amount Rs.15.00 lacs.

    2. Central/state Government Employees and employees of Public Sector Undertakings, Autonomous Bodies & Institutions. 48 months gross salary or Rs15.00 lacs whichever is lower. Gross deduction from salary including installments of the proposed loan not to exceed 60% of gross income.

    MARGIN

    10 % of Invoice value across all categories.

    RATE OF INTEREST (SUBJECT TO CHANGE)

    1 Year MCLR + 0.25% (Floating) present effective 9.05% with reset clause of one year.

    REPAYMENT

    Term Loan shall be repaid in maximum 7 years in 84 equated monthly installments with moratorium period up to three months from the date of first disbursement of the facility. Thus maximum door to door tenor of loan shall be 7 years and 03 months. In case of Central/state Government Employees and employees of Public Sector Undertakings, Autonomous Bodies & Institutions repayment to be fixed in such a way that the facility is adjusted one month before attaining age of superannuation or 07 years and three months from date of first disbursement whichever is earlier. However if the employees provide the collateral security as applicable to General category farmers, the repayment may be fixed as per cash flows without linking the same with age of superannuation.

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    The post J&K Bank Kissan Dost Finance Scheme Check Eligibility and Rate of Interest appeared first on Kashmir Publication.

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    ( With inputs from : kashmirpublication.in )