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Request for Views/Feedback on Flow of Credit to MSMEs

(by the Standing Review Committee set-up under chairmanship of Member (Industry), Planning Commission, Govt. of India India to monitor flow of credit to MSMEs in pursuance of recommendations of PM's Taskforce) [Collated by FISME, Member of the Standing Review Committee]


*Required

A. MSME profile

ii. Whether Micro, Small, Medium

iii. Whether Manufacturing / Service Enterprise

iv. Name of Product/s; Service/s

v. Established: Less than 1 Year, 1~3 years, 3~5 year, 5~10 years, more 10 years
Established:

vi. Turnover: (Lac) 2010~11, 2009-10, 2008~09

vii. Name of Your Bank

B. Financial Assistance

i. Fund based:

   a. Term loan:

1. Amount slabs (less than 1 lac, 1~5 lac, 5~10 lac, 10~25 lac, 25 lac~1 cr, 1~5 cr, above 5 cr

2. Whether term loan against collateral security

3. Or against Credit Guarantee (CGTMSE)

   b. Working Capital

1. Amount slabs (less than 1 lac, 1~5 lac, 5~10 lac, 10~25 lac, 25 lac~1 cr, 1~5 cr, above 5 cr

2. Whether Working Capital taken against collateral security

3. Or against Credit Guarantee (CGTMSE)

ii. Non-fund based (Bank Guarantee; L/C limit etc.)

1. Amount slabs (less than 1 lac, 1~5 lac, 5~10 lac, 10~25 lac, 25 lac~1 cr, 1~5 cr, above 5 cr

2. Whether term loan against collateral security

3. Or against Credit Guarantee (CGTMSE)

C. Experience in Accessing facility (whether for new project or for expansion)

i. Number for banks approached: 1, 2, 3, more than 3
Banks approached

ii. Processing Time taken upto sanction:

iii. Processing time from sanction to disbursal:

iv. Quantum of Term loan applied verses approved by bank:

v. Quantum of Working Capital applied verses approved by bank:

vi. Quantum of limit of Bank Guarantee/ LC applied verses approved by bank:

D. Satisfaction/ Perception

i. In your view, what is most critical with regards to MSMEs' access to credit

ii. In your view, what is the biggest hurdle in MSMEs' access to credit

     iii. Which current banking practice/s you find most troublesome

     iv. What type of financial assistance/ product you need but you do not get from your bank