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| Non-Banking
Finance Companies |
The Non-Banking Finance Companies (NBFCs)
are a heterogeneous group of finance companies
unlike the commercial and co-operative banks.
NBFCs are defined under Section 451C read
with section 451F of RBI Act, 1934, and can
carry on business in one or more of these
areas. |
- Equipment Leasing Company
- Hire Purchase Finance Company
- Loan Company
- Investment Company
- Mutual Benefit Finance Company
- Miscellaneous Non-Banking Company
- Housing Finance Company
- Residuary Non-Banking Company
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| The funding to
small-scale industry is mainly for plant &
machinery, industrial equipment, computer
system etc. 70 % of the activities of NBFCs
are in Leasing Equipment and Hire Purchase.
There is some exposure in Bill Discounting
and Factoring.
The main strength of NBFCs is that they
can devise innovative financing schemes
and tailor-made schemes according to the
specific requirement of the client.
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| Specific
financing schemes for Technology Upgradation,
Quality Control and Clean Environment |
| (a)
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Directorate of Cottage
and Small-Scale Industries, Government
of West Bengal – capital subsidy
schemes together with a variety of incentives
on utilities, sales tax etc. |
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| (b) |
NSIC – Mainly in the area of
Equipment Leasing / Hire Purchase |
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| (c) |
NBFC’s - mainly in the area
of Equipment Leasing / Hire Purchase |
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| (d) |
SIDBI – The main schemes are
demonstration projects in industry clusters,
Technology Bureau for Small Enterprises
in collaboration with United Nations
sponsored Asian and Pacific Centre for
Transfer of Technology (APCTT), Technology
Development & Modernization Fund
(TDMF), Foreign Currency Term Loans
for upgradation etc., National Equity
Fund Scheme (NEF), Venture Capital Scheme,
Vendor Development Scheme, ISO 9000
scheme, Credit Guarantee Fund Trust
for Small Industries (CGTSI). |
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