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Yes you can apply for loan under CGTMSECGTMSE Loan SchemeCredit Guarantee fund Trust for Micro and Small Enterprise aka CGTMSE is a loan scheme launched in India to support the micro and small business entities. Almost more than 130 banks have involved under this scheme to provide loan to the small and medium enterprises in the country. The scheme, CGTMSE has covered maximum of Rs. 65 lakhs for small enterprises where as maximum 5 lakhs for the micro enterprises. The best part about this scheme is there is no third party or collateral is present in this scheme. The applicant will receive the amount directly to his/her bank account.CGTMSE loan schemePreviously the government has started credit guarantee system in India to give away credit to the SMEs. All the leading banks (either public or private) have contributed to this CGS in early times. Recently the government of India and SIDBI have joined hands to launch this new loan scheme to boost up the credit system for the small and micro enterprises which are booming day by day.The key objective of this scheme is to encourage the innovative ideas and product viabilities by the SMEs. Also the scheme has launched to guarantee the credit for the borrowers as well as the lenders on the basis of fixed financial asset securities. It means the borrowers will now get term loan as well as flowing capital to finance their business.Credit Guarantee Scheme for Micro and Small enterprisesUnder this scheme the borrower not only receives the credit but he / she receives the credit guarantee. As mentioned above the lender banks will guarantee the loan in such a way that the borrowers will be able to withdraw term loan as well as flowing or working capital for their business from a single entity or agency. On the other the scheme ensures that if by any means the borrower fails to repay the loan and the lender incurs loss, the scheme will provide up to 85% of benefits to the lender to recover its loss.Activities and types of business covered under CGTMSEUnder this CGTMSE scheme, all types of business are being covered excluding retail trading products. The eligible nature and types of business under this scheme areNewly made or existing micro and small enterprises which are involved in manufacturing business or services.Others such as educational service, training centres, agricultural business, self help groups or other micro manufacturing units.As per the RBI’s rule on lending to priority sector and MSMED act, all sorts of business are eligible under this scheme.Retail trade is not eligible for this scheme.CGTMSE Scheme eligibilityEligible lenderCommercial banks (Public and Private), regional rural banks, SIDBI, NEDFI and NSIC are involved in scheme. The mentioned banks have to sign an agreement with the CGTMSE authority to get enrolled with the scheme to provide loans.Eligible borrowersAny micro and small enterprises which are newly set or already existing are eligible to borrow money under this scheme. As mentioned above only retail trading business will not be eligible to receive loan under CGTMSE scheme.CGTMSE guarantee coverAlong with interest rate the borrower has to pay a coverage rate under this scheme charged by the respective banks. There are two types of charges one has to pay, CGTMSE guarantee fee and service fee. The rate of the former is 1.5% whereas the later is payable at the rate of 0.75% of the loan amount.CGTMSE Scheme Application formThe CGTMSE scheme application form is available online in CGTMSE website. Also the application form is widely available in the commercial banks. To apply for the loan you can ask you branch whether it has the authority to provide the loan under this scheme. If you bank is an eligible lender than it can provide you the application form.CGTMSE Scheme subsidyAccording to the guidelines of the scheme, a lender bank will release the fund on the basis of the business project reports and fixed asset security presented by the borrower. The scheme ensures that the amount of loan borrowers are availing must cover both the term loan as well as working capital so that they can easily finance their business on regular basis. These both types of financial help must be provided by single agency or single bank. On the other the lenders will get a fixed guarantee charge and annual service fee along with normal interest rates.CGTMSE CoverageAs mentioned earlier the SGTMSE scheme has launched to ensure the credit guarantee for both the lender and borrowers. If the borrower fails to repay the loan taken from the lender organisation and the loan becomes NPS for the lender, the scheme will provide coverage of up to 85% of the released fund. The lender will not under go any losses under this scheme. The authority will cover the maximum default amount.Interest rateAs per the guidelines of RBI, the interest rate payable on the loan under this scheme will not be more than 3% per annum. Here under this scheme there are other fees like annual service fee and guarantee fees are there which are excluded from the ordinary interest rates on the loan amount.CGTMSE SBIState bank of India aka SBI along with other 130 commercial and rural banks are enrolled under this scheme as lenders. But SBI is the first ever bank which has entered to this scheme and started providing loans to the borrowers.For more details please go through this link CREDIT https://www.cgtmse.in/schemes.aspxGUARANTEE FUND TRUST FOR MICRO AND SMALL ENTERPRISES (CGTMSE)Thanks and Regard’sRAHUL ABHIR.

Surprise! Apple does not retain any browsing history with Safari on their servers. This is different than other browsers *cough* Chrome *cough*.This is the only data Apple stores long term:What personal information we collectWhen you create an Apple ID, apply for commercial credit, purchase a product, download a software update, register for a class at an Apple Retail Store, connect to our services, contact us or participate in an online survey, we may collect a variety of information, including your name, mailing address, phone number, email address, contact preferences, device identifiers, IP address, location information and credit card information.When you share your content with family and friends using Apple products, send gift certificates and products, or invite others to participate in Apple services or forums, Apple may collect the information you provide about those people such as name, mailing address, email address, and phone number. Apple will use such information to fulfill your requests, provide the relevant product or service, or for anti-fraud purposes.In certain jurisdictions, we may ask for a government issued ID in limited circumstances including when setting up a wireless account and activating your device, for the purpose of extending commercial credit, managing reservations, or as required by law.Collection and Use of Non-Personal InformationWe also collect data in a form that does not, on its own, permit direct association with any specific individual. We may collect, use, transfer, and disclose non-personal information for any purpose. The following are some examples of non-personal information that we collect and how we may use it:We may collect information such as occupation, language, zip code, area code, unique device identifier, referrer URL, location, and the time zone where an Apple product is used so that we can better understand customer behavior and improve our products, services, and advertising.We may collect information regarding customer activities on our website, iCloud services, our iTunes Store, App Store, Mac App Store, App Store for Apple TV and iBooks Stores and from our other products and services. This information is aggregated and used to help us provide more useful information to our customers and to understand which parts of our website, products, and services are of most interest. Aggregated data is considered non‑personal information for the purposes of this Privacy Policy.We may collect and store details of how you use our services, including search queries. This information may be used to improve the relevancy of results provided by our services. Except in limited instances to ensure quality of our services over the Internet, such information will not be associated with your IP address.With your explicit consent, we may collect data about how you use your device and applications in order to help app developers improve their apps.If we do combine non-personal information with personal information the combined information will be treated as personal information for as long as it remains combined.Peace.Source: Legal - Privacy Policy - Apple

Hi,Before i answer you to the point. My question would be what category your first Mudra loan falls in. i.e. Sishu, Kishor or Tarun. The government is focused more on Sishu loans targets which are basically 60% of total funding under Mudra and rest two is 40%. So you will have an edge if you fall under Sishu catagory.In general, If you have not crossed the limit of 10 lakhs under Mudra loan you are still eligible for a top up or an increased amount under the banks discretion.So my suggestion to you would be Visit the Bank or NBFC from where you have taken loan before and apply for a top up. My assumption over here is :You are paying your loan emi’s regularly and you dont fall under SMA - NF, SMA - 0 , SMA-1 SMA-2 or NPA catagory.Your present loan amount is within 10 lakhs catagory.you can read more about other loans which you are eligible under this link of rbi notifications.Reserve Bank of IndiaFor general readers this is a brief note for understanding what is MUDRA loan.The 2018-19 Union Budget meeting, led by the Finance Minister of India - Mr. Arun Jaitley, was commenced on 1 February 2018. To improve the financial condition of the country, this meeting focused on multiple sectors such as Micro, Small, and Medium Enterprises (MSME), agriculture and rural economy, infrastructure, finance, health, social security, education, tax, and others. The minister also concentrated on Mudra Loan offered under the Pradhan Mantri Mudra Yojana (PMMY).Since its inception in April 2015, a total of 10.38 crore self-employed individuals have availed the benefits of Mudra Loan by withdrawing a total credit of Rs.4.6 lakh crore. Out of the total number of loans, 76% of the loan accounts belong to women while over 56% belong to individuals who are SC, ST, or OBC. As the scheme has exceeded the targets set for all the previous years, the Government has decided to set the target for Mudra Loan during the upcoming financial year of 2018-19 at Rs.3,00,000 crore.The meeting also indicated that this year’s focus will be on Non-Bank Finance Companies (NBFC). When the MSMEs were struggling to receive financing after the country was hit by demonetisation, the NBFCs of India had stepped up to the task and provided financial aid to many. This not only helped MSMEs receive the monetary relief they required during a their time of need, but also proved that NBFCs are powerful vehicles that can be used to provide Mudra Loans to the masses. Keeping this in mind, the Finance Minister has also announced during the Union Budget that the eligibility criteria and refinancing policies for NBFCs will be reviewed to offer them better chances of providing loans.In addition to MSMEs, Mudra Loans of Rs.10 lakh can also be availed for non-agricultural activities or projects that are partially aligned to agriculture such as poultry, dairy, bee keeping, and many more. Depending on the growth stage and credit requirements of the micro, small, or medium enterprise, an entrepreneur can avail 3 types of loans under PMMY - Shishu, Kishor, and Tarun.Mudra Loan Interest rates FAQsWhat is the interest rate under the Mudra/PMMY Scheme?Interest rates are dynamic and decided by the lending institution under broad guidelines from the RBI so as to keep the products cost effective.What is the target audience for Mudra Scheme?Mudra is targeted at Non-Corporate Small Business (NCSB) segment that includes business entities such as small manufacturing plants, shopkeepers, service sector installations, vegetable/fruit vendors, repair shops, truck operators, food-service units, artisans, machine operators, small industries, food processors etc.Why are the interest rates different for different institutions?Mudra loans are unsecured in nature as no collaterals are required to avail the loan. This is a reason why interest rates vary from institution to institution as every organization calculates the risk factor on its own and establishes rates accordingly.Are the loans subsidised by the central government?No, these loans are not subsidised by the central or state governments.What does the Mudra application form look like?For the starting category of Shishu Loans, a 1 page application form needs to be duly filled and submitted. For Kishor and Tarun categories of loans, a 3 page application form needs to be submitted.Where can I find the Mudra Loan application forms?You can find the application forms online on the Mudra website or get one from any of the intermediaries.What is the repayment criteria for Mudra Loans?The repayments terms and conditions are decided by the intermediary lending institution according to its rules considering the cash flow of the business in question.Do all banks in India fall under the Mudra Scheme?Yes, the Department of Financial Services (DFS) has already sent advisories to Public Sector Banks, Scheduled Commercial Banks and Regional Rural Banks for bringing all loans up to Rs.10 lakhs disbursed for non-farm income generation activities after April 7th 2015 under the Mudra Scheme. The DFS has also instructed all banks to provide loans under the scheme and put targets per branch.Is the PMMY Scheme active now?Yes, the scheme has been active since April 8th 2015 throughout the country.How long is the processing time for Loans under the Mudra Scheme?Lower amount Shishu loans are generally disbursed within 7-10 days while the other categories have processing times varying from lender to lender. Mudra loan is a new scheme from the Government of India that aims to rejuvenate the refinancing sector for micro units enterprises. Mudra loans come with minimal eligibility requirements as the aim is to empower the business community at the margins.you can follow Mudra website and undermentioned link to read more about different loans.Reserve Bank of India