project report kirana shop pdf
#1

Hi i want a complete project report on kirana shops for my bank loan processing. Please do help me in this.

Thank you
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#2
We are pleased to present this —“Citizen‘s Charter of Dadra and Nagar Haveli,
Daman and Diu Scheduled Caste/ Scheduled Tribes, Other Backward Classes and
Minorities Financial and Development Corporation Ltd., popularly known as SC/ST
Corporation. The Corporation is registered as Company under the provisions of
Companies Act 1956 and has been incorporated on 12.07.1993 with Registrar of
Companies, Ahmedabad having Authorized Share Capital of Rs.10.00 crores and paid
up capital Rs.4.93 crore as on 31
st
March 2011. The Registered Office of the
Corporation is situated at Silvassa and its jurisdiction is whole of the Union Territory of
Daman and Diu and Dadra and Nagar Haveli.
The main objectives of the Corporation are :
1. To undertake the task of economic upliftment of the members of the SC/ST,
Other Backward Classes, Minorities and Physically Challenged person in the
Union Territory of Dadra Nagar Haveli, Daman and Diu.
2. To promote and provide specialized training, technical education and assistance
to earn livelihood for the members of Scheduled Caste and Scheduled Tribes,
OBC, Minorities and Physically Challenged person in the Union Territory of
Dadra and Nagar Haveli, Daman and Diu.
PRESENT ACTIVITIES & SCHEMES IN OPERATION :
The Corporation is providing loan upto `.15.00 Lakhs to SC/ST/OBC/Minorities
and Physically Challenged person of Dadra and Nagar Haveli, Daman & Diu and
charging interest 6% per annum for the Loan upto Rs.2.00 Lakhs & 8% per annum for
the Loan above Rs.2.00 Lakhs. The Corporation is acting as Channelising Agency of all
the Schemes of National Scheduled Caste Finance Development Corporation and
National Scheduled Tribes Finance Development Corporation. National Backward Class
Finance Development, National Minorities Finance Development Corporation, National
Handicapped Finance and Development Corporation. The Corporation is providing loan
facility to targeted people of Daman & Diu and Dadra & Nagar Haveli for the project
given in Annexure –“A”
ANNEXURE -A
1. TRANSPORT SECTOR: Auto Tempo, Auto Rickshaw, Bus, Eicher Tempo, Indica
Innova, Mahindra Jeep, Maruti Van, Mini door Pickup Van, Scorpio, Qualis,
Tractor Tata Sumo etc.
2. SHOP: Kirana Shop, Footwear shop, Cloth shop, Book Shop, Cycle store, Furniture
Shop, Medical Store, Pan Shop, Stationary Shop, Sweet Shop, Tyre Shop,
Electronic Store, Engineering workshop, Hardware Shop, Optical/Spectacles Shop
etc.
3. SERVICE SECTOR:Tent House, Garage, STD/PCO, Hair cutting Saloon, Auto
Service Station, Band Party, Beauty Parlour, Computer Training Center, Dish
Antena, Flour Mill, Photocopier, Printing Press, Small Restaurant etc.
ELIGIBILITY CRITERIA AS UNDER :
Who is Eligible Requirement to Obtain loan Documents required
Scheduled Caste /
Scheduled Tribes, Other
Backward Classes,
Minorities and
Physically Challenged
People of UT of Daman
& Diu and Dadra &
Nagar Haveli.
a) Applicant should be resident
of Daman & Diu and Dadra
& Nagar Haveli.
b) Applicant belonging to
Scheduled Caste / Scheduled
Tribes, Other Backward
Classes, Minorities and
Physically Challenged
People of UT of Daman &
Diu and Dadra & Nagar
Haveli is eligible.
c) Annual family income of
applicant should not exceed
`100000/- for Ruler area and
`125,000/- for Urban area.
d) Age of applicant should
between 18 and 60 years.
a) Resident Certificate
should be issued by
Mamlatdar or Any other
Competent Authorities.
b) Caste / Community
Certificate issued by
Mamlatdar or Any other
Competent Authorities.
c) Income Certificate issued
by Mamlatdar or Any
other Competent
Authorities.
d) Matriculation / School
Living Certificate / any
other document in
support of Date of Birth.
PROCEDURE TO OBTAIN LOAN
1. Obtain / Submit application form from/to the Corporation during 10.30 A.M to 1.30
PM on all working days. Application form will be scrutinized on the spot, discrepancy
if any found , will be conveyed to applicant at the same time.

2. Verification of applicant will be made within one week by the Manager (Legal&
Recovery)
3. Applicant fulfilling eligibility criteria will be called for personal interview before
Loan Sanctioning Committee tentatively within one month from date of submission of
application form.
4. The selected applicants whose loan amount is less than Rs.5.00 lakhs will be called to
complete documentary requirement and deposit promoter‘s Contribution as indicated
in annexure - “C” within one month from date of receipt of Sanctioned letter which
will be issued within 10 days from the date of recommendation by the Loan
sanctioning Committee.
5. The case of selected applicant whose loan amount is more than Rs.5.00 lakhs will be
placed before High Powered Committee. The sanction letter will be issued within 10
days from the recommendation by the High Powered Committee . The Recommended
applicant will be asked to complete the documentary requirement and deposit the
Promoter’s Contribution as indicated in ‘Annexure-C’ within one month from the date
of receipt of sanction letter .
6. If the Corporation found new project then the project will be placed before the next
Board of Director’s meeting for its approval. The sanction letter will be issued within
10 days from the recommendation by the Board of Directors . The Recommended
applicant will be asked to complete the documentary requirement and deposit the
Promoter’s Contribution as indicated in ‘Annexure-C’ within one month from the date
of receipt of sanction letter .
7. Loan will be disbursed to the applicant within 10 days after completion of all
formalities.
ANNEXURE-B
1. Enclosures of Application Form
2. One passport size photo duly attested by gazetted officer.
3. No Dues Certificate from banks.
4. Income Certificate from competent authority/Mamlatdar.
5. Caste /Community Certificate from Mamlatdar/Competent authority.
6. Matriculation Certificate /School leaving certificate or any other documents in support
of date of birth.
7. Project Report prepared by MESE., Masat.
8. Details of two guarantors with their signatures in application form and copy of 7x12
of their land. If Guarantors are government servant then their Service & Salary
certificate.
9. Identification Certificate from prominent person of territories. List of prominent
persons is given in application form.
10.Affidavits and Declaration, format of which is given in application form.
11.Driving license &Permit to ply vehicle, in case of vehicle.
12.Any other document required for the project loan.
13.Copy of Ration Card/EPIC/Identity card/Passport etc.
COLLATERAL SECURITIES :
A).Loan amount above Rs.2,00,000/-
1. Applicant required to mortgage property either in his name or in the name of
guarantors valuing 1.5 times of the loan amount.
2. Applicant is required to give guarantee of two guarantors to secure the loan amount.
3. Applicant is required to deposit post dated Cheques for twelve month on year to year
basis.
4. Beneficiaries are required to file insurance of vehicle/business/project for which loan
has been sanctioned.

B).Loan amount below Rs.2,00,000/-
1. Applicant is to give guarantee of two guarantors having repayment capacity of the
loan amount.
2. Applicant is required to deposit post dated cheques for twelve month on year to year
basis.
3. Beneficiaries are required to file insurance of vehicle/business/project for which loan
has been sanctioned
ANNEXURE-C
All beneficiaries are required to deposit in Cash /Cheque promoter‘s contribution
detailed below: -
Project Cost Promoters’ Contribution
Upto ` 1 lakh 1%
Above`1 lakh to ` 2.5 lakhs `1000/- plus 2% of amount exceeding ` 1 lakh
Above ` 2.5 lakh to `5 lakhs `4000/- Plus 3% of the amount exceeding `2.5 lakhs
Above `5 lakhs to `10 lakhs `11,500/- Plus 5% of the amount exceeding ` 5 lakhs.
APPEAL TO PUBLIC
• Apply in a proper application form.

• Apply with necessary documents.

• Meet and hand over the application to correct official.

• Avoid touts and middle man.

• For clarification please contact General Manager of the corporation during 11.00
AM to 01.00 PM during all working day.
• Pay monthly installment(EMI) of loan as per repayment schedule provided by the
Corporation to avoid penal interest of the month.
Reply
#3
Retailing in India is one of the pillars of its economy and accounts for about 10 percent of its GDP. The Indian retail market is estimated to be US$ 600 billion and one of the top five retail markets in the world by economic value. India is one of the fastest growing retail markets in the world, with 1.2 billion people.

As of 2003, India's retailing industry was essentially owner manned small shops. In 2010, larger format convenience stores and supermarkets accounted for about 4 percent of the industry, and these were present only in large urban centers. India's retail and logistics industry employs about 40 million Indians (3.3% of Indian population).

Until 2011, Indian central government denied foreign direct investment (FDI) in multi-brand retail, forbidding foreign groups from any ownership in supermarkets, convenience stores or any retail outlets. Even single-brand retail was limited to 51% ownership and a bureaucratic process.[citation needed]

In November 2011, India's central government announced retail reforms for both multi-brand stores and single-brand stores. These market reforms paved the way for retail innovation and competition with multi-brand retailers such as Walmart, Carrefour and Tesco, as well single brand majors such as IKEA, Nike, and Apple.The announcement sparked intense activism, both in opposition and in support of the reforms. In December 2011, under pressure from the opposition, Indian government placed the retail reforms on hold till it reaches a consensus.

In January 2012, India approved reforms for single-brand stores welcoming anyone in the world to innovate in Indian retail market with 100% ownership, but imposed the requirement that the single brand retailer source 30 percent of its goods from India. Indian government continues the hold on retail reforms for multi-brand stores
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#4

Hi i want a complete project report on kirana shops for my bank loan processing. Please do help me in this.
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