To provide hassle free working capital finance to the borrowers.
Retail and wholesale traders and other business enterprises,
with a satisfactory track record of 3 years.
Primary Hypothecation of stocks and book-debts
Collateral Mortgage of Unencumbered residential
house/flat, commercial or industrial property with a clear marketable
title in the name and possession of the borrower/Proprietor/ Partner/s/Director/s
either self occupied or vacant.
An ideal product handy to individuals/business enterprises/professionals
and self-employed as a source of funds for expenditures of any
nature provided they have a minimum service/standing of three
Minimum net annual income should be 1.00 lacs.
30 times net monthly income or 100.00 lacs whichever is lower.
Type of Loan
Minimum amount of Loan
Amount of loan
(In case of individual borrowers, the income of the spouse can be taken into consideration for determining the loan amount. In such cases, the facility would be allowed in the joint names.)
Mortgage of the unencumbered residential house/flat, commercial
or Industrial property with a clear marketable title in the name
and possession of borrower/proprietor or partner/s/Director/s
either self occupied or vacant with a security cover of 1.5 times
the amount of loan.
The loan granted under the scheme together with interest thereon would be repayable within a maximum period of 84 months through (EMI’s) commencing one month after disbursement of the loan. The repayment shall have to be fixed on a realistic basis so that the loan deductions including EMI for the loan granted under this scheme do not exceed 60% of the borrower’s gross income.
The scheme is launched to provide hassle free cash credit facility to Fair Price Shops. The facility under this scheme can be availed to meet working capital requirements for procuring the supplies –food grains and sugar from Assistant Director (Stores).
All the dealers who have been granted dealership by Director of Consumer Affairs & Public Distribution for sale and storage of food grains and sugar under the Public Distribution System and have satisfactory dealings with CAPD for past one year
The facility shall be provided to the dealer to procure supplies –food grains and sugar from Assistant Director (Stores) CAPD.
Type Of Loan
Working capital Facility
Quantum of Finance
The amount of loan shall be restricted to 75% of the monthly purchases of food grains by the dealer with a maximum of 4.00 lacs only
25% of the monthly purchases.
Primary: Hypothecation of Food grains.
Collateral: Third party guarantee of two persons of sound means
To upgrade the tourist transport services and
to generate more employment in The Jammu &
Kashmir State a scheme has been formulated
to provide the financial assistance to the
Travel and Tourist Taxi Operators identified by
the Directorate of Tourism (J&K State) for
purchase of fresh vehicles .
The beneficiaries identified by the State
Government through Directorate of Tourism Jammu
& Kashmir shall be eligible for finance under
The finance under this scheme shall be
available for purchase of fresh vehicles by way
of replacement of old vehicles.
Quantum of Finance
Loan component shall be 85% of the cost of the
vehicle subject to a maximum loan amount of
Hypothecation of the vehicles to be purchased.
Third party guarantee of two persons having
sound means to withstand the liability.
Margin shall be 15% up to the vehicle cost of
7.12 lacs. In case the cost of the vehicle
exceeds 7.12 lacs, the cost over & above
7.12 lacs shall be wholly contributed by the