The News Caravan

Tag: Loan

  • J&K Bank Loan Scheme For 2nd Cars Check Eligibility

    [ad_1]

    F112F5FA 168C 4ADB 9222 DB1B840B9CF4

    NAME OF PRODUCT

    JKB Car loan Scheme for purchase of Used cars for private use

    PURPOSE

    To provide finance for purchase of used Cars/SUV/MUV etc. (Fuel operated as well as electric cars) for Private Use only. The car should not be more than 6 years old at the time of loan sanction.

    NATURE OF FACILITY

    Term Loan

    AGE

    Minimum age at the time of loan application: 18 years

    Maximum age at the time of loan maturity: 70 years

    Notes:

    • In case of in service Govt employees under old pension scheme, car loans with tenor exceeding residual services period can also be considered. However, the sanctioning authority may make a tentative assessment of his/her likely pension income, based on his her existing salary structure, residual service, pension rules etc. and ensure that the instalment of the proposed loan shall not be more than 50% of his/her likely monthly pension.
    • In case of joint borrowers/ Co-borrowers, the age of that borrower can be considered for fixing tenor of the loan whose contribution towards the repayment of proposed loan is at least equal to 50% of EMI.
    • The upper age limit may be relaxed upto 75 years in deserving cases, powers for which may be vested with the Zonal Credit Committees.

    MARGIN

    • For permanent employees of State and Central Government, Government Undertakings & Autonomous bodies Drawing salary through our Bank :20% of value derived/ accepted
    • For Platinum/Gold Current Account Holders & Customers having aggregate limits (Working Capital and/or Term Loan) above 25 Lakh having satisfactory dealings.:20% of value derived/ accepted
    • For All Other borrowers:25% of value derived/ accepted

    MAXIMUM LOAN AMOUNT

    • Maximum Limit per vehicle: Rs 25.00 lacs
    • Maximum Limit per borrower: Rs 50.00 lacs

      Note: Higher quantum of finance per unit/ per borrower may also be considered, however powers to sanction such loans shall vest with Zonal Credit Committees only.

    REPAYMENT PERIOD

    • The maximum tenor of the loan shall be 07 years or till the vehicle gets 12 years old, whichever is earlier, subject to residual life of the vehicle.
      The loan shall be repaid in a maximum of 84 Equated Monthly Installments.

    SECURITY

    • Primary: Hypothecation of vehicle to be purchased (Bank’s charge to be registered with concerned Transport Authority/ VAHAN Central Registry)
    • Collateral:
      • For permanent employees of J&K/Ladakh Gov’t and Central Government, Government Undertakings & Autonomous bodies maintaining salary accounts with our bank: NIL.(However, in cases where the loan tenor is in excess to residual service period, TPG of one person shall be obtained).
      • For pensioners: Guarantee of 02 persons including spouse eligible for family pension.
        (Or) Guaranteeof spouse only if he/she is a Govt employee or pensioner.
      • Private /Public Limited Company/ partnership firms:Personal guarantee of promoters/directors/partners
      • For all others: Guarantee of one person having sufficient net worth to withstand the liability and acceptable to Bank.
      • Direct Debit Mandate/NACH/ECS Mandate (whichever applicable)
        Note:
        Sanctioning Authority may waive off third party guarantee in favour of certain categories of applicant borrowers, as noted below:
      1. Platinum/Gold Current Account Holders having average balance of Rs 5.00 lacs or above
      2. Customers availing aggregate limits (Working Capital and/or Term Loan) above 50 Lakh with satisfactory track record.
      3. Borrowers with credit score of 750 in case of CIBIL or 650 in case of CRIF.
      4. High net worth individuals maintaining term deposits in excess to Rs 50.00 lacs with the bank in their own name.

    PREPAYMENT PENALTY

    4% on the outstanding in respect of Fixed interest rate loan shifted to other banks + Applicable GST.

    Nil for all other loans prepaid

    MINIMUM INCOME STIPULATION

    For all types of individual borrowers: Gross Annual Income of Rs 2.00 lacs
    For proprietorship/partnership firms and companies: Cash Profit (PAT+ Average Depreciation) of Rs 2.00 lacs for the previous financial year.

    LOAN PROCESSING CHARGES

    LPC: 1.0% of the loan amount plus applicable GST Minimum of ₹2000/- + GST
    Maximum: ₹15000/- + GST
    (Nil for employees mentioned at para Rate of interest)

    RATE OF INTEREST (SUBJECT TO CHANGE)

    Tenor upto 04 years: RLLR+3.75% (Fixed)

    Tenor above 04 years:RLLR+4.75% (Fixed)

    The interest rate concession applicable to employees of various Govt Departments/ institutions, as noted below, shall continue till validity of such MoUs unless otherwise notified:

    • Employees of SMVDSB 25 bps
    • Employees of Police Departments 10 bps
    • Employees of University of Kashmir 10 bps
    • Employees of NIT Srinagar 10 bps
    • Employees of Central University of Jammu 10 bps
    • All other employees of J&K/ Ladakh Gov’t. 25 bps

    Interest rate concessions of 50 bps (including existing concession as per MOUs specified above or concession to women borrowers, if any) to individual borrowers having credit score of above 750 in case of CIBIL or above 650 in case of CRIF. Similar concession shall be extended to non-individual borrowers with internal rating grade of 1 or 2.

    Interest rate concession of 25 bps (including existing concession as per MOUs specified above or concession to women borrowers, if any) to individual borrowers having credit score of 701-750 in case of CIBIL or 610-650 in case of CRIF. Similar concession shall be extended to non-individual borrowers with internal rating grade of 3 or 4.

    ELGIBILITY

    1. Permanent Employees of State / Central Government, Semi-Government Undertakings, Institutions and Autonomous Bodies.
    2. Regular Employees of Private Limited Companies / Private Organizations and other Reputed Private Institutions/ Establishments who have a service of at least 2 years with the current employer
    3. Contractual Employees of Central/State Government, Semi-Government Undertakings and Autonomous Bodies (provided there are no instances of termination of employment of such employees previously).
    4. Professionals or self-employed individuals with at least 2 years’ experience in business/profession/activity. (This category shall include proprietors, partners and promoters of companies where the loan is sanctioned in their personal capacity. Gross Income in this case shall mean income as shown in proof of income obtained)
    5. Persons engaged in agricultural and allied activities.
    6. Pensioners of State/Central/UT Gov’t, PSU’s (Public Sector Undertakings), autonomous bodies and Institutions. (Family pensioners shall not be eligible).
    7. Employees appointed under SRO 202 (to be treated at par with Permanent Employees of State/Central Government) subject to the condition salary for at least 6 months has been credited in the savings account of the applicant.
    8. Partnership firms and companies which have been in existence for a minimum of 02 years.
    9. HUF can also avail car loan facility. HUF can apply for the loan through Karta and the documents, as prescribed, shall also be executed by the Karta on behalf of the HUF. However, it shall be ensured that a joint application is obtained from all the coparceners for the loan whereby they will also confirm that the loan facility is used for the benefit of the HUF.
    10. Applicants who do not fall in any of the above categories may be also be financed subject to the condition that the applicant has a stable/perpetual source of income and provides proof to the satisfaction of the sanctioning authority.

    VALUATION OF THE VEHICLE

    Value of the vehicle shall be the lower of the following (subject to satisfaction of the BU Head and Advances In-charge):

    • Ex-showroom price of the vehicle as per original sale invoice less depreciation, which shall be as follows:
    Age of the vehicle% Of Depreciation for fixing value.
    Upto 06 months.5%
    06 Months to less than 01 year10%
    01 year to less than 02 years.20%
    0 years to less than 03 years.30%
    03 years to less than 04 years.40%
    04 years to less than 05 years.50%.
    05 years to less than 06 years.60%.
    • Insured Declared Value (IDV) of the vehicle as per latest insurance policy.
    • Consideration Amount as per agreement to sell between seller and buyer or as per invoice from registered used car dealer.
    • Note: In case original sale invoice is not available, sanctioning authority may consider minimum of value as depicted in documents mentioned at Serial II & III above.

    F112F5FA 168C 4ADB 9222 DB1B840B9CF4

    The post J&K Bank Loan Scheme For 2nd Cars Check Eligibility and Rate of Interest appeared first on Kashmir Publication.

    [ad_2]
    #Bank #Loan #Scheme #2nd #Cars #Check #Eligibility

    ( With inputs from : kashmirpublication.in )

  • Chinese loan app case: ED charge sheet against Razorpay

    Chinese loan app case: ED charge sheet against Razorpay

    [ad_1]

    New Delhi: The Enforcement Directorate Friday said it has filed a charge sheet against payment gateway Razorpay, three fintech companies controlled by Chinese nationals and as many NBFCs and some others in a money laundering probe linked to Chinese loan apps which allegedly cheated numerous people.

    The federal probe agency said in a statement that the special Prevention of Money Laundering Act (PMLA) court based in Bengaluru has taken cognisance of the prosecution complaint (charge sheet).

    A total of seven entities and five individuals have been named as accused in the charge sheet.

    The accused entities include fintech companies Mad Elephant Network Technology Private Limited, Baryonyx Technology Private Limited and Cloud Atlas Future Technology Private Limited which are “controlled” by the Chinese nationals and three non-banking financial companies (NBFCs) registered with RBI named X10 Financial Services Private Limited, Track Fin-ed Private Limited and Jamnadas Morarjee Finance Private Limited.

    Payment gateway Razorpay Software Private Limited has also been named in the charge sheet as an accused, the probe agency said.

    Razorpay sources said the payment gateway has been a “facilitator” in investigations against suspicious Chinese companies.

    The platform has blocked all those suspicious entities and funds associated with them about one-and-half years ago and has shared their details with the ED on multiple occasions, Razorpay sources said.

    Being a regulated financial institution, Razorpay cooperates with law enforcement agencies and provides necessary merchant information to assist in the investigation process, they said.

    The money laundering case of the ED stems from multiple FIRs of the Bengaluru Police CID which were filed based on complaints received from various customers who had availed loans and “faced harassment” from the recovery agent of these money-lending companies.

    According to the ED, the probe found that fintech companies had “agreement with respective NBFCs for disbursement of loans through digital lending apps”.

    “The money-lending business was being illegally run by these fintech companies actually and these NBFCs knowingly let these firms use their names for the sake of getting commission without being careful about their conduct. The same is also a violation of the fair practices code of the Reserve Bank of India,” the agency said.

    The agency earlier had issued two provisional attachment orders to freeze Rs 77.25 crore worth funds kept in bank accounts and payment gateways which was later confirmed by the Adjudicating Authority of the PMLA.

    [ad_2]
    #Chinese #loan #app #case #charge #sheet #Razorpay

    ( With inputs from www.siasat.com )

  • Adani repays USD 2.15 bn loan taken pledging shares

    Adani repays USD 2.15 bn loan taken pledging shares

    [ad_1]

    New Delhi: Embattled Adani Group on Sunday said it has repaid loans aggregating USD 2.65 billion to complete a prepayment programme ahead of the March 31 deadline to cut overall leverage in an attempt to win back investor trust post a damning report of a US short seller.

    In a statement, Adani group said it has repaid USD 2.15 billion of loans that were taken by pledging shares in the conglomerate’s listed firms and also another USD 500 million in loans taken for the acquisition of Ambuja Cement.

    The announcement comes within days of the group saying it has pre-paid Rs 7,374 crore (about USD 902 billion) loans that were taken pledging shares in four group companies. This has now been scaled up to USD 2.15 billion.

    While Adani group has not detailed the source of money for repayment of loans, these came within days of the promoters selling minority stakes in four listed companies to US-based GQG Partners for Rs 15,446 crore.

    “In continuation of promoters’ commitment to repay the promoter leverage, Adani has completed full prepayment of margin linked share backed financing aggregating to USD 2.15 billion, well before the committed timeline of March 31, 2023,” it said. “In addition to above, promoters have also prepaid a USD 500 million facility taken for Ambuja acquisition financing.”

    This, it said, was in line with promoters’ commitment to increase equity contribution and promoters have now infused USD 2.6 billion out of total acquisition value of USD 6.6 billion for Ambuja and ACC.

    “The entire prepayment program of USD 2.65 billion has been completed within 6 weeks, which testifies the strong liquidity management and access to capital at sponsor level, supplementing the solid capital prudency adopted at all portfolio companies,” the statement said.

    The last announcement of prepayment of share-backed financing of Rs 7,374 crore on March 7 was followed by more shares belonging to companies of the group being pledged as security for loans taken by the group’s flagship firm.

    On March 8, SBICap Trustee in notices to stock exchanges had stated that a further 0.99 percent shares in Adani Green Energy Ltd were pledged “for the benefits of the lenders” of Adani Enterprises Ltd. An additional 0.76 percent shares in Adani Transmission Ltd were also pledged to banks, the trustee said.

    With the latest pledge, the total shares in Adani Green Energy Ltd – the group’s renewable energy company – that were encumbered with SBICap was 2 percent. In the case of Adani Transmission, this came to 1.32 percent.

    The March 7 statement stated that the repayment of Rs 7,374 crore will release pledge on shares of promoters in four group companies, and together with repayments done earlier, the group has prepaid USD 2.016 billion of share-backed financing.

    Founder chairman Gautam Adani and his brother Rajesh on behalf of SB Adani Family Trust on March 2 announced sale of shares in flagship incubating firm Adani Enterprises Ltd (AEL), port company Adani Ports and Special Economic Zone Ltd (APSEZ), electricity transmitting firm Adani Transmission Ltd (AEL) and renewable energy firm Adani Green Energy Ltd (AGEL).

    That sale helped the group turn the narrative building since US short seller Hindenburg Research released a damning report on January 24.

    The 10 listed Adani Group companies, which together had lost about USD 135 billion in market value following the report, have seen stock prices rise in successive trading sessions ever since.

    In September last year, CreditSights, a Fitch Group unit, said the group was “deeply overleveraged” as it used debt to expand an empire centred on ports and coal mining to include airports, data centres and cement as well as green energy.

    In the January 24 report, US short seller Hindenburg Research flagged “substantial” debt levels at the group while alleging accounting fraud and use of offshore shell companies to inflate stock prices.

    The group has denied all Hindenburg allegations, calling them “malicious”, “baseless” and a “calculated attack on India”.

    It is now hoping to claw back the narrative by choosing slow and steady growth over the breakneck, mostly debt-fuelled, expansion spree of recent years.

    It has already scrapped a Rs 7,000-crore coal plant purchase, decided not to bid for a stake in state-backed energy trading firm PTC, reined in expenses, repaid some debt and promised to repay more.

    Adani Group’s gross debt has doubled in the last four years. It has almost USD 2 billion worth of foreign-currency bonds coming up for repayment in 2024.

    The group’s gross debt has grown from Rs 1.11 lakh crore in 2019 to Rs 2.21 lakh crore in 2023, according to a presentation made to investors last month.

    After including cash, the net debt was Rs 1.89 lakh crore in 2023.

    [ad_2]
    #Adani #repays #USD #loan #pledging #shares

    ( With inputs from www.siasat.com )

  • Teachers’ scam: ED directs salon owner to return Rs 50L taken as loan from Kuntal Ghosh

    Teachers’ scam: ED directs salon owner to return Rs 50L taken as loan from Kuntal Ghosh

    [ad_1]

    Kolkata: Soma Chakraborty, the beauty salon owner in Kolkata who purportedly took a loan of Rs 50 lakh from youth Trinamool Congress leader Kuntal Ghosh arrested in connection with the multi-crore teachers’ recruitment scam in West Bengal, will now have to return the money to the government immediately.

    Sources said that Chakraborty was on Friday summoned to the ED’s office at central government office (CGO) complex at Salt Lake on the northern outskirts where she was asked to return the amount she took as loan from Ghosh. Sources said that she will have to return the money in the form of a demand draft within the next five days.

    Chakraborty’s name surfaced, when the central agency sleuths while examining the bank account details of Ghosh and transactions there traced that an amount of Rs 50 lakh was transferred to her account from that of Ghosh in different phases.

    During questioning, Chakraborty told ED officials that she owns two beauty salons, one in south Kolkata and the other in Lake Town area in north Kolkata and she took the amount as loan from Ghosh for the purpose of expansion and infrastructure improvement of those salons.

    Sources said that ED officials found an extent of reliability because of her clear-cut submission on this count and then asked her to return that money as it is perceived that the amount she received purportedly as loan was part of the proceeds of the scam collected by Ghosh.

    Now the question arises whether the ED will also ask Tollywood actor Bonny Sengupta aka Anupriyo Sengupta, who claimed to have received Rs 40 lakh as loan from Ghosh for purchasing a high-end premium vehicle, to return the money.

    Sengupta also claimed that the loan given was adjusted against his performance fees for performing in different events organised by Ghosh. However, at the same time, Sengupta said that the entire arrangement was based on mutual trust and there was no paper-agreement on this count.

    [ad_2]
    #Teachers #scam #directs #salon #owner #return #50L #loan #Kuntal #Ghosh

    ( With inputs from www.siasat.com )

  • J&K Grameen Bank Loan Scheme for Used/Second Hand cars

    [ad_1]

    101A5467 A2A0 4004 AF97 D04D6096DCF0

    J&K Grameen Bank Loan Scheme for Used/Second Hand cars Check Eligibility and Rate of interest


    Never Miss An Update After Joining This Group
    Join Our What’s GroupClick Here


     

    PURPOSE:

    The finance under this scheme shall be available for purchase of an old car / jeep (not more than 5 years old) for personal use.

    Eligibility:

    i) Permanent employees of State/ Central Government, Semi-Government Undertakings, Autonomous bodies, Public Sector Undertakings, Private Companies or reputed establishments.
    ii) Businessmen, Professionals and self employed individuals.
    iii) Persons engaged in agriculture and allied activities.
    iv) Net annual income of Rs.1.00 lacs and above.

    Age Criteria:

     

    Salaried ClassThe applicant should be atleast 21 years old at the time of applicant and below 58 years of age at the time of maturity of the loan.
    * For Institutions, where retirement age is is 60 years, the upper age limit shall be 60 years.
    For othersAbove 21 years at the time of application but below 65 at the time of the loan’s maturity

     

    Maximum Loan Amount:

    i) 2.5 times of the net annual income or 15 lacs, whichever is lower. If married, the spouse’s income can also be considered provided the spouse guarantees the loan. Loan amount for used vehicles shall be subject to a maximum limit of 15 lacs.
    ii) The number of vehicles to be sanctioned to a single borrower under Car Finance (Used) at any point of time should not exceed more than 2 vehicles subject to maximum prescribed limit of 15.00 lacs.

    Margin:

    i) 25% for vehicles having age less than 3 years.
    ii) 30% for vehicles having age of 3 years and above up to 5 years.

    Repayment period:

    i) Maximum repayment period of 72 months for vehicles having age less than 3 years.
    ii) Maximum repayment period of 48 months for vehicles having age of 3 years & above to 5 years.

    Security:

    i) Primary: Hypothecation of vehicle to be purchased.
    ii) Collateral: Third Party Guarantee of two persons having sound financial net means good for the loan amount.

    Processing Charges:

    0.50% of the Loan Amount

    * Conditions Apply

    101A5467 A2A0 4004 AF97 D04D6096DCF0

    [ad_2]
    #Grameen #Bank #Loan #Scheme #UsedSecond #Hand #cars

    ( With inputs from : kashmirpublication.in )

  • JK Bank Loan Scheme For Shops Check Eligibility and Rate

    [ad_1]

    The scheme is launched to provide hassle free cash credit facility to Fair Price Shops. The facility under this scheme can be availed to meet working capital requirements for procuring the supplies –food grains and sugar from Assistant Director (Stores).

    [ad_2]
    #Bank #Loan #Scheme #Shops #Check #Eligibility #Rate

    ( With inputs from : kashmirpublication.in )

  • JK Bank Personal Consumption Loan Scheme Check Eligibility

    [ad_1]

    F112F5FA 168C 4ADB 9222 DB1B840B9CF4

    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.

    [ad_2]
    #Bank #Personal #Consumption #Loan #Scheme #Check #Eligibility

    ( With inputs from : kashmirpublication.in )

  • J&K Bank Loan Scheme For Establishment of Mini Sheep Farms

    [ad_1]

    a) Live stock

    Comprehensive Insurance of Live Stock.

    b) Breeder (borrower)

    Insurance cover to sheep breeders under the “social Security Scheme” of Central Wool Board which shall cover natural as well as accidental death and also total or partial disability @rupee330/annum, out of which the breeder shall pay rupee80/- and the rest shall be contributed by Government of India & LIC. The cover shall be:

    (Amt. in Rupees)

    Natural Death60,000
    Accidental death1,50,000
    Total Disability1,50,000
    Partial Disability75,000

    [ad_2]
    #Bank #Loan #Scheme #Establishment #Mini #Sheep #Farms

    ( With inputs from : kashmirpublication.in )

  • JK Bank Car loan Scheme for purchase of Fresh cars for private

    [ad_1]

    To provide finance for purchase of new cars/vans/jeep/SUV/MUV, fuel operated as well as electric cars, for Private Use only at:

    “Ex-Showroom” Prices

    OR

    “On Road Prices” wherever opted by Borrower(s) shall mean Ex-Showroom Prices plus:

    • One Time Registration Charges
    • First Insurance Premium
    • Cost of Accessories (should be limited to 10% of Ex-Showroom Price).

     

    [ad_2]
    #Bank #Car #loan #Scheme #purchase #Fresh #cars #private

    ( With inputs from : kashmirpublication.in )

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

    [ad_1]

    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.

    [ad_2]
    #Bank #Business #Start #Loan #Scheme #Check #Eligibility

    ( With inputs from : kashmirpublication.in )