**Speaking is weapon, Learn to speak** (Public Speaking)

Er Ashish Diwakar - Educating the people

Er Ashish Diwakar - Educating the peopleEr Ashish Diwakar - Educating the peopleEr Ashish Diwakar - Educating the people

Er Ashish Diwakar - Educating the people

Er Ashish Diwakar - Educating the peopleEr Ashish Diwakar - Educating the peopleEr Ashish Diwakar - Educating the people
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Genaral Banking



With the help of your bank branch, you can get fund reversed. 


Follow the steps to get reversed your  money in your account.. 


1- write a request letter for refund to your bank branch 


2- In request letter, mention every thing that you have wrongly entered account number. 


3- In request letter, mention wrong account number and correct account, your account name, IFSC, amount, date of transaction. 


4- Branch manager will send same scanned letter to recepient bank branch from branch mail id. 


5- Recipient bank branch will initiate refund process and will send back within 3-4 days to your account. 


Equitable Mortgage-  Equitable mortgage is also known as Mortgage by deposit of title deeds As the name suggest, equitable mortgage is created by the borrower in favour of the lender by deposit of title deed of immovable property as security to a lender until the loan is fully repaid. This creates a charge on the property, though no legal procedure is involved 


Electronics Clearing System(ECS)


UPI can be setup but SIM should be in same mobile handset.

If both the SIM are in single Mobile handset then UPI can be set in that mobile handset for both mobile number.

If both the SIM are in different mobile handset then UPI will be set in both the mobile separately


No


UPI transaction limit per day is Rs.1 lakh as per NPCI. However, the limit is Rs.5 lakh for payments to educational institutions and healthcare. 


 Unsuccessful UPI transaction amount automatically refunded to bank account but refund doesn't occur with immediate effect, it usually takes 3 to 5 business days. 


 NEFT usually take 2 hours to settle but NEFT transaction process every 30 minutes in batches. RTGS settles in real time upto maximum 30 minutes 


A bank account is a place for you to deposit and withdraw funds, make payments, transfer money to another person or institution, pay bills electronically, and more.

UPI is a banking system for money transfers on payment apps. To add a bank account to Google Pay/phonepe/paytm your bank must work with UPI. Your UPI ID is an address that identifies you on UPI.


To complete your UPI registration process, follow these steps-

1-Download the Paytm/google pay/phonepe/any other UPI mobile payment application

2-Just enter your mobile number. If you have a dual SIM phone, you may be prompted to select the SIM slot in which your mobile number is present

3-An SMS will be sent from your number to verify your mobile number

4-Once this is done, you will have to select your bank name from the list that will be presented to you. Please make sure that the mobile number registered with your bank is the same as the one you entered earlier. Your bank account details will now be fetched from the bank using your mobile number

5-If you are linking your bank for the first time, you will be asked to set up a UPI PIN. You will need your debit card details for setting this up

6-Your bank account is now linked via UPI and you are ready to make your first payment


Limit depends on your civil score, existing loan outstanding, existing EMIs and monthly salary


You can calculate returns on given below link 

https://www.icicibank.com/personal-banking/deposits/fixed-deposit/fd-calculator


 When applying for a home loan, you’ll need to provide specific documents to support your application. These requirements are generally consistent across various banks and housing finance companies. Here’s a comprehensive list of the key documents you’ll need:

  1. Completed and Signed Home Loan Application Form: Fill out the application form provided by the lender.
  2. Proof of Identity (Choose any one):
    • PAN Card
    • Passport
    • Aadhaar Card
    • Voter’s ID Card
    • Driving Licence
    • Proof of Age (Choose any one):
    • Aadhaar Card
    • PAN Card
    • Passport
    • Birth Certificate
    • 10th Class Marksheet
    • Bank Passbook
    • Driving License

  1. Proof of Residence (Choose any one):
    • Bank Passbook
    • Voter’s ID
    • Ration Card
    • Passport
    • Utility bills (Telephone Bill, Electricity Bill, Water Bill, Gas Bill)
    • LIC Policy Receipt
    • Letter from a recognized public authority verifying your address

  1. Proof of Income for Salaried Individuals:
    • Form 16
    • Certified letter from your employer
    • Payslips for the last 3 months
    • Increment or promotion letter
    • Income tax returns for the past 3 years

  1. Proof of Income for Self-Employed Individuals:
    • Income Tax Returns (ITR) for the last 3 years
    • Balance Sheet and Profit & Loss Account Statement of the Company/Firm (duly attested by a Chartered Accountant)
    • Business License Details (or any other equivalent document)
    • Professional Practice License (for doctors, consultants, etc.)
    • Registration Certificate of Establishment (for shops, factories, and other establishments)

  1. Property Documents:
    • Receipts of payments made to the developer (for new houses)
    • Allotment Letter / Buyer Agreement
    • Title Deeds (including the chain of previous property documents for house resale)
    • Sale agreement (if already executed)
    • Receipt of initial payment made to the house seller
    • Title Deeds of the plot (for house construction)
    • Detailed estimate of house construction by an Architect / Civil Engineer
    • Approved plans by the Local Authorities
    • Proof of no encumbrances on the property

  1. Other Documents:
    • Passport-size photographs of all applicants / co-applicants (to be affixed on the application form and signed across)
    • Proof of own contribution
    • Last 6 months’ bank statements showing repayment of ongoing loans (if any)

Remember that some lenders offer home loans even if you receive your salary in cash or lack adequate income proofs. Examples include the Unnati Home Loan from PNB Housing Finance, HDFC Reach Home Loan, Griha Suvidha Home Loan from LIC Housing Finance, and Gruh Setu Home Loan from Piramal Capital and Housing Finance1.

Make sure to check with your specific lender for any additional requirements based on your individual circumstances. Best of luck with your home loan application! 🏠🌟


PUBLIC FINANCIAL MANAGEMENT SYSTEM (PFMS)


 The Public Financial Management System (PFMS) is a web-based online software application developed and implemented by the Controller General of Accounts (CGA), Department of Expenditure, Ministry of Finance, Government of India. PFMS started during 2009 with the objective of tracking funds released under all Plan schemes of Government of India, and real time reporting of expenditure at all levels of Programme implementation. Subsequently, the scope was enlarged to cover direct payment to beneficiaries under all Schemes. Gradually, it has been envisaged that digitization of accounts shall be achieved through PFMS and beginning with Pay & Accounts Offices payments, the O/o CGA did further value addition by bringing in more financial activities of the Government of India in the ambit of PFMS. 


 

Login with Admin ID

My scheme>manage>click on scheme name >agency account scheme component mapping. 

Tick or untick as per requirement


 After login with Admin id go to My Scheme>Register New Scheme 



 The Agency Creator can update details from Agencies>Manage 


  

 After Login from Masters> DSC Management> Enroll DSC 


   From Bank>Account DSC Enrolment 


 

Steps to deposit interest income in bharatkosh given below

Data operator...
Go to>My Fund>Interest Income( for creation)
go to>My Fund> Interest Income menu to open manage interest (to submit for approval)
Data approver -go to>My Fund> Interest Income menu to open manage interest(to approve)
Data operator-
“My Funds >Deposit
Interest Earned (SNA/CNA)
Data approver-
My Funds >Manage
Interest Earned (SNA/CNA)

Through NEFT /Online payment interest income can be deposited. 


 

Guidelines for holding account

i. A separate Bank account [to be called 'Holding Account’] shall be opened by the

Agencies for holding the tax/statutory deductions.

ii. This Holding Account would be permitted to make payments outside of PFMS.

through cheques or internet banking to effect the statutory payments with the

challan details being captured simultaneously.

The Holding Account will serve the purpose of holding

tax/duties/levies/fees/muncipal charges etc. of State Government, municipalities

etc. which the Agencies need to process.

The Holding Account will have the following conditions:

i. Account shall be opened preferably in the same bank as is the SNA/ZBA Account.

ii. Maximum time for which money can be held in this account shall be fourteen days,

after which the money shall be credited back to the Agency Account.

Visit for more info https://doe.gov.in/sites/default/files/19.04.2022.pdf


 

AGENCY DO(TO SUBMIT)

Misc deduction filing> Fund transfer to holding  

AGENCY DA (TO APPROVE)

Misc deduction filing > View Statuary deduction 

AGENCY DA (TO PRINT PPA)

Misc deduction filing > View Statuary deduction 


 

Adding a new scheme to the Public Financial Management System (PFMS) involves specific steps. Let’s explore how you can do it:

  1. Data Operator (Maker) Steps:
    • Log in to the PFMS portal.
    • Navigate to the relevant section (e.g., My Funds or Plan Scheme).
    • Select the appropriate option (e.g., Grant or Plan Scheme).
    • If adding a new scheme, choose the relevant scheme from the dropdown menu.
    • Click the “Add Scheme” button to include the new scheme in the system.
    • Select ZBA account and enter account and other details.
    • Select component and save

  1. Data Approver (Checker) Steps:
    • The Data Approver reviews the newly added scheme.
    • They verify the details and ensure accuracy.
    • If everything is in order, they approve the inclusion of the scheme in PFMS.

Remember that the Maker’s role is to input the scheme details, while the Checker ensures the correctness of the data.


 

  

Account is not activated for payment.

To activate  Login with Agency Admin, Bank>Account Activation E-Payment


National Payments Corporation of India (NPCI)

National Automated clearing house

NACH Credit is an electronic payment service used by an institution for affording credits to a large number of beneficiaries in their bank accounts for the payment of dividend, interest, salary, pension etc. by raising a single debit to the bank account of the User Institution (Corporate registered for NACH Services


Unified Payments Interface (UPI) brings together multiple bank accounts into a single UPI enabled mobile application, merging a range of features from any participating bank, thereby enabling seamless fund transfers for customers and merchants.

For sending and receiving money, UPI relies on the PUSH and PULL mechanism respectively.

To send money- the users use a UPI-enabled app and select the Pay or Send option. After providing the recipient’s details such as UPI ID or mobile number, and the desired amount, they select the bank account or wallet from which the money is to be debited. Finally, they enter the UPI pin to confirm the transfer, post which the transaction request is forwarded to their chosen PSP.

To receive money-the recipients log into the UPI-enabled app and select the collect or request money option. After providing the payer’s Virtual Payment Address (VPA) and the desired amount, they select their bank account in which the money is to be credited. A money request message goes to the payer, post which they enter the UPI PIN to authorize the transaction request.


National Payments Corporation of India (NPCI), an umbrella organisation for operating retail payments and settlement systems in India, is an initiative of Reserve Bank of India (RBI) and Indian Banks’ Association (IBA) under the provisions of the Payment and Settlement Systems Act, 2007, for creating a robust Payment & Settlement Infrastructure in India.

Considering the utility nature of the objects of NPCI, it has been incorporated as a “Not for Profit” Company under the provisions of Section 25 of Companies Act 1956 (now Section 8 of Companies Act 2013), with an intention to provide infrastructure to the entire Banking system in India for physical as well as electronic payment and settlement systems. The Company is focused on bringing innovations in the retail payment systems through the use of technology for achieving greater efficiency in operations and widening the reach of payment systems.

Different products of NPCI

RuPay

RuPay is an Indigenously developed Payment System – designed to meet the expectation and needs of the Indian consumer, banks and merchant eco-system. RuPay supports the issuance of debit, credit and prepaid cards by banks in India and thereby supporting the growth of retail electronic payments in India.

IMPS

With Immediate Payment Service (IMPS), India has become the leading country in the world in real time payments in retail sector.

NACH

National Automated Clearing House (NACH), an offline web based system for bulk push and pull transactions. NACH provides electronic mandate platform to register mandates facilitating paper less collection process for the corporates and banks. It provides for both account based and Aadhaar based transactions.

APBS

Aadhaar Payment Bridge (APB) System is helping the Government and Government agencies in making the Direct Benefit Transfers for various Central as well as State sponsored schemes.

AePS

To access these funds at door step & drive the financial inclusion in India, Aadhaar enabled Payment System (AePS) has been introduced. Since inception it has become instrumental to increase accessibility of basic banking services in underserved areas. To extend the convenience of biometric to merchant payments, BHIM Aadhaar has been launched by Hon'ble Prime Minister Narendra Modi.

NFS

National Financial Switch (NFS) is the largest network of shared Automated Teller Machines (ATMs) in India facilitating interoperable cash withdrawal, card to card funds transfer and interoperable cash deposit transactions among other value added services in the country.

UPI

Unified Payments Interface (UPI) has been termed as the revolutionary product in the payment system.

Bharat Bill Payment System

Bharat Bill Payment System is offering one-stop bill payment solution for all recurring payments with 200+ Billers in the categories Viz. Electricity, Gas, Water, Telecom, DTH, Loan Repayments, Insurance, FASTag Recharge, Cable etc. across India.

NETC

National Payments Corporation of India (NPCI) has developed the National Electronic Toll Collection (NETC) program to meet the electronic tolling requirements of the Indian market.

It provides an electronic payment facility to customer to make the payments at national, state and city toll plazas by identifying the vehicle uniquely through FASTag.


Future Banking

What is Digital Rupee?

Digital currency refers to any currency that is available in electronic form. The Digital Rupee is virtual money, serving the same purpose as physical money. It is a form of digital currency issued by the Reserve Bank of India (RBI), the country's central bank. The Digital Rupee is a centralized digital currency directly regulated by the RBI, maintaining the stability and trust associated with traditional currencies.


Why is Digital Rupee Introduced?

The Digital Rupee is introduced in India to enhance financial inclusion, providing greater access to formal financial services. It aims to promote efficiency in transactions through faster and more secure digital payment methods, align with the country's technological advancements, foster a digital-first economy, reduce dependence on physical currency, and enable better regulatory control over monetary transactions while countering potential illicit activities.


How Does Digital Rupee Work?

Digital Rupee, also known as eRupee, is electronic money. It operates as a form of digital currency issued and controlled by the Reserve Bank of India (RBI), using blockchain or distributed ledger technology for secure and transparent transactions.


Digital Currency – is the digital format of fiat currency that you carry around in your wallet or withdraw from an ATM. It’s the same currency that is backed by an authority, the Reserve Bank of India in case of Indian currency, and can be exchanged for actual currency


Cryptocurrency – is not backed by a central figure but derives its purchasing power from its community of users. Technically, they are pieces of code created by ‘mining’ that are managed through a digital ledger called as blockchain to ensure transparency at each stage of its journey. Although coins like Bitcoin and Ethereum have many uses when it comes to NFTs and the upcoming metaverse, they cannot be utilised outside of blockchain as these are digital assets that can be traded but not used as a legal tender in India.


Tax


1-Indexation benefit in house sale.

2-Joint ownership of property for tax benefit. 

3-Reduce selling expenses. 

4-Buy new property (Exemption under Sec 54) . 

5-Invest in bonds (Exemption under 54EC) .

6-Tax loss harvesting. 

7-Invest in Capital Gain Account Scheme (CGAS)


The senior citizens are not exempt from paying capital gains tax. Capital gains tax is applicable to individuals, including senior citizens, on the profit earned from the sale of capital assets such as real estate, stocks, and mutual funds


1- NPS-Section 80C allows for deductions up to Rs 1.5 lakh for expenses and investments, while investing in the NPS scheme can provide an extra Rs.50,000 deduction

2-Mutual Fund-ELSS funds are mutual funds that offer tax benefits of up to ₹1.50 lakh under Section 80C of the Income Tax Act. 

3-Public Provident Fund-PPF offers a compelling combination of guaranteed returns, tax benefits, long-term stability, safety, and flexibility. This makes it a valuable tool for individuals seeking to build a secure financial future, particularly for retirement.



 Infrastructure bonds are financial instruments issued by governments, infrastructure financing companies, or state-owned enterprises to raise funds for crucial infrastructure projects. These bonds play a significant role in financing the construction of essential facilities such as highways, ports, railways, airport terminals, bridges, tunnels, and pipelines.


  

Infrastructure bonds offer several tax benefits to investors. Here are some key points:

  1. Tax      Deduction under Section 80CCF: In India, individuals can claim a deduction      of up to ₹20,000 (subject to the investment amount) under Section      80CCF of the Income Tax Act. 
  2. Exemption      from Wealth Tax: Infrastructure bonds are exempt from wealth      tax. This means that the value of these bonds does not contribute to      an individual’s net wealth for wealth tax calculation purposes.
  3. Interest      Income Taxation: The interest earned on infrastructure bonds is taxable.      However, the tax treatment depends on whether the bonds are issued by      government entities or private companies:
    • Government-issued       Bonds: Interest income from bonds issued by government entities (such       as NHAI, IRFC, etc.) is fully exempt from income tax. 
    • Private       Company Bonds: Interest income from bonds issued by private companies       is taxable. TDS is applicable if the interest exceeds ₹5,000       in a financial year. 

  1. Lock-in      Period and Tax Benefits: Infrastructure bonds typically have a lock-in      period (usually 5 years). During this period, investors cannot      sell or transfer the bonds. However, the interest earned during the      lock-in period is eligible for tax benefits.
  2. Capital      Gains Tax: If an investor sells infrastructure bonds before maturity      (after the lock-in period), any capital gains (profit) are taxable.      The gains are treated as long-term capital gains if held for more than 12      months.
  3. Tax-saving      Investment: Infrastructure bonds serve as a tax-saving      investment option, especially for individuals looking to reduce      their taxable income.


GOVERNMENT SCHEMES


 Government launched PM Vishwakarma scheme on 17.09.2023 to provide end-to-end support to artisans and craftspeople who work with their hands and tools. These traditional artisans and craftspeople are referred to as ‘Vishwakarmas’ and are engaged in occupations such as blacksmiths, goldsmiths, potters, carpenters, sculptors, etc.

The benefits of the Scheme include the following:

Recognition: Recognition of artisans and craftspeople through PM Vishwakarma certificate and ID card.

Skill Upgradation: Basic training of 5-7 days and advanced training of 15 days or more, with a stipend of Rs. 500 per day.

Toolkit Incentive: A toolkit incentive of upto Rs. 15,000 through e-vouchers at the start of basic skill training.

Credit Support: Collateral free ‘Enterprise Development Loans’ of upto Rs. 3 lakh in two tranches of Rs. 1 lakh and Rs. 2 lakh with tenures of 18 months and 30 months, respectively, at a concessional rate of interest fixed at 5%, with Government of India subvention to the extent of 8%.

URL for PMVISHWAKARMA SCHEME LOGIN-

https://pmvishwakarma.gov.in

https://www.paymentpmv.in/pmvk/  ....(For Bank only)👍 


 The PM Street Vendor’s AtmaNirbhar Nidhi (PM SVANidhi) was launched by the Ministry of Housing and Urban Affairs on June 01, 2020 for providing affordable Working Capital loan to street vendors to resume their livelihoodsthat have been adversely affected due to Covid-19 lockdown.  The duration of the scheme initially was until March 2022. It has been extended till December 2024, with focus on enhanced collateral free affordable loan corpus, increased adoption of digital transactions and holistic socio-economic development of the Street Vendors and their families.  

Vendors can avail a working capital loan of up to Rs. 10,000, which is repayable in monthly instalments in the tenure of one year.
On timely/ early repayment of the loan, an interest subsidy @ 7% per annum will be credited to the bank accounts of beneficiaries through Direct Benefit Transfer on quarterly basis.
There will be no penalty on early repayment of loan.
The scheme promotes digital transactions through cash back incentives up to an amount of Rs. 100 per month.
On timely repayment of first loan, higher loan eligibility of loan amount 20000/- and 50000/- respectively.
URL FOR PMSVANIDHI SCHEME

https://pmsvanidhi.mohua.gov.in

https://www.paisaportal.in/NULM/Login.aspx  (For bank only) 


 

NULM – National Urban Livelihood Mission – Overview
1-National Urban Livelihoods Mission scheme was launched by the Ministry of Housing and Urban Poverty Alleviation, Government of India on September 24th, 2013.
2-NULM replaced the existing Swarna Jayanti Shahari Rozgar Yojana (SJSRY) and is known as Rashtriya Shahri Aajeevika Mission in Hindi.
3-It focuses on organising urban poor in their strong grassroots level institutions by enhancing sustainable livelihood opportunities through skill development. It aims at leading poor to market-based employment and helping them to set up self-employment ventures by ensuring easy access to credit.
4-Mission will be implemented in all District Headquarter Towns and all other cities with a population of 1,00,000 or more as per 2011 census.

 5-The target of DAY-NULM is the urban population identified as below the poverty line population in urban areas by the States and Union Territories. Its intended beneficiaries are urban poor (street vendors, slum dwellers, homeless, rag pickers), unemployed and differently-abled.
6-DAY-NULM has been conferred the prestigious SKOCH Governance Gold Award.
7-NULM comprises the following sub-scheme to uplift urban poor-
*Social Mobilization and Institution Development – SM&ID
*Employment through Skills Training and Placement – EST&P
*Capacity Building and Training – CBT
*Self-Employment Programme – SEP
*Scheme of Shelter for Urban Homeless – SUH
*Support to Urban Street Vendors – SUSV
*Innovative and Special project – ISP

For more details visit https://mohua.gov.in/



 

Benefits of NULM – National Urban Livelihood Mission 

The benefit that will accrue to urban poor folks with the NULM scheme are as follow:

1-Self Employment Programme – The urban poor who wish to set up their own self-employment ventures or micro-enterprises can avail bank loan at 7% rate of interest. An individual can be given bank loans for projects up to INR 2 lakh for setting up of individual micro-enterprises and for a group of the urban poor, a bank loan is available for projects up to INR 10 lakh. 

2-Self Help groups – All the SHGs of the urban poor can avail bank loan at 7% rate of interest. An additional 3 percent interest subvention will be provided to all women SHGs who repay their loan in time. Thus, in the case of timely repayment, the effective interest rate would be only 4%. 

3-Urban Street Vendors- National Urban Livelihood Mission aims at upskilling the street vendors. It supports the development of vendor market, vending zone & informal sector markets with infrastructure/civic facilities such as paving, water supply, solid waste disposal facility, lighting, storage space etc.

4-NULM also supports micro-enterprises in development and their credit enablement.

5-Under the Scheme of shelter for Urban Homeless, Day-NULM provides financial support to State Governments and Urban Local Bodies for construction as well as operation & management of permanent shelter for urban homeless. The shelters constructed must be equipped with all other essential services so that the urban homeless in our cities live a dignified life. 

For more details visit https://mohua.gov.in/


  

 

Pradhan Mantri Matru Vandana Yojana (PMMVY) is a significant initiative by the Indian government to support pregnant and lactating women. Here are some key details about PMMVY:

  1. Objective: The scheme aims to provide financial assistance to eligible women during their pregnancy and lactation period.
  2. Beneficiaries: Over 3.80 crore beneficiaries have been enrolled, and more than 3.32 crore beneficiaries have received payments under PMMVY.
  3. Total Amount Paid: The scheme has disbursed a total of Rs. 14,888 crore to beneficiaries.
  4. Recent Developments:

  • PMMVYsoft MIS: A management information system (MIS) for PMMVY was launched on 17th March 2023.
  • Mobile App for Field Functionaries: A mobile app for field functionaries (Anganwadi Workers and ASHAs) is available for download


  

 

Stand-Up India scheme is a commendable initiative by the Ministry of Finance to promote entrepreneurship and financial inclusion. Let me provide you with some key details about this scheme:

  1. Objective:
    • The primary objective of the Stand-Up India scheme is to facilitate bank loans for greenfield project enterprises in the following categories:
      • Scheduled Caste (SC)
      • Scheduled Tribe (ST)
      • Women entrepreneurs
    • The loans are aimed at setting up new businesses.

  1. Loan Amount:
    • The scheme provides financing between ₹10 lakh and ₹1 crore.
    • This amount includes both term loans and working capital.

  1. Eligibility Criteria:
    • The borrower must be from either the SC, ST, or women category.
    • The applicant’s age should be at least 18 years.
    • The borrower must not be in default to any bank or financial institution.

  1. Enterprise Type:
    • The scheme supports greenfield enterprises, which means new ventures that have not been established previously.

  1. Shareholding Requirement:
    • In the case of non-individual enterprises, at least 51% of the shareholding and controlling stake should be held by either an SC/ST or woman entrepreneur.

  1. Application Process:
    • You can apply through one of the following methods:
      • Online: Visit the official portal of Stand-Up India .
      • Bank Branch: Approach your nearest bank branch.
      • Lead District Manager (LDM): Contact the LDM of your district .
    • Provide details about your business, including the nature of the proposed business, loan amount desired, and premises information.
    • The SIDBI web portal offers hand-holding support through various agencies involved in training, skill development, mentoring, project report preparation, and more.

  1. Required Documents:
    • Proof of Identity: Voter’s ID Card, Passport, Driving License, PAN Card, or signature identification from present bankers.
    • Proof of Residence: Recent telephone bills, electricity bills, property tax receipts, or voter’s ID card.

Remember, the Stand-Up India scheme aims to empower entrepreneurs from marginalized communities and foster economic growth. If you’re considering starting a new venture, explore this opportunity


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