रत्‍नागिरी जिल्हा मध्यवर्ती सहकारी बँक लि., रत्‍नागिरी

Ratnagiri District Central Co-operative Bank Ltd., Ratnagiri

Head Office : Sahakar Bhavan, Jawahar Path, Ratnagiri 415612

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Government Schemes

About Government Schemes

Empowering Your Growth Through Government Schemes !

We bridge the gap between you and various welfare initiatives to ensure your progress and financial stability. Our goal is to deliver every government benefit to you with transparency and ease.

Direct Benefit Transfer
Subsidized Interest Rates
Financial Security & Insurance
Hassle-free Documentation

Government Schemes

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Chief Minister Employment Generation Programme

General Information
  • Eligibility: Legally qualified agricultural and non-agricultural businesses

  • Maximum Project Cost Limit: Up to Rs. 50.00 Lakhs for service and agro-allied industries, and up to Rs. 100.00 Lakhs for manufacturing sector projects

  • Bank Loan Margin: 90% to 95% of the project cost

  • Government Margin Money Subsidy: 15% to 35%

  • Tenure: 3 to 7 Years (Repayment via Equated Monthly Installments - EMI)

  • Security/Collateral: Immovable property

Required Documents
Aadhaar Card
PAN Card
Income certificate/Project Report

* Note: The above Document list and information are tentative; please contact your nearest branch for more details.

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Prime Minister Employment Generation Programme

General Information
  • Eligibility: For setting up new enterprises and for the modernization of existing industries

  • Project Cost: Maximum limit up to Rs. 100.00 Lakhs

  • Bank Loan Margin: 90% to 95% of the project cost

  • Government Margin Money Subsidy: 15% to 35%

  • Tenure: 3 to 7 Years (Repayment via Equated Monthly Installments - EMI)

  • Security/Collateral: Immovable property

Required Documents
Aadhaar Card
PAN Card
Income certificate/Project Report

* Note: The above Document list and information are tentative; please contact your nearest branch for more details.

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PM Formalisation of Micro Food Processing Enterprises Scheme

General Information
  • Eligibility: Individual beneficiaries, group projects (Farmer Producer Groups/Companies/Societies, Self-Help Groups, etc.), common infrastructure setups, and financial assistance for establishing new or expanding old enterprises, including those covered under "One District One Product" (ODOP)

  • Bank Loan Margin: Up to 90% of the project cost

  • Government Margin Money Subsidy: Up to 35% of the project cost, subject to a maximum of Rs. 10.00 Lakhs

Required Documents
Aadhaar Card
PAN Card
Income certificate/Project Report

* Note: The above Document list and information are tentative; please contact your nearest branch for more details.

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APY (Atal Pension Yojana)

General Information
  • Eligibility: Bank account holders aged between 18 and 40 years (Income tax payers or individuals who have filed income tax cannot avail of this scheme).

  • Pension Benefits: A guaranteed monthly pension ranging from Rs. 1,000/- to Rs. 5,000/- after attaining 60 years of age (The monthly premium amount depends on the chosen pension amount).

  • Scheme Benefits:

    1. Guaranteed pension after 60 years of age.

    2. Financial security for economically weaker sections.

    3. Provision for spouse and nominee/heir.

Required Documents
Aadhaar Card
PAN Card

* Note: The above Document list and information are tentative; please contact your nearest branch for more details.

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"Aai" Women-Centric Tourism Policy

General Information
  • Purpose: This scheme is implemented by the government to make women self-reliant through tourism businesses, provide them with infrastructural facilities, and achieve tourism development

  • Eligibility:

    1. The tourism business must be owned and managed by women

    2. Women-owned hotels/restaurants, businesses, or tour & travel agencies must maintain at least 50% women employees

  • Loan Limit: Up to Rs. 15.00 Lakhs

  • Interest Subvention: The interest refund will be provided by the government subject to government-prescribed terms and conditions

Required Documents
Aadhaar Card
PAN Card
Income certificate
Project Report

* Note: The above Document list and information are tentative; please contact your nearest branch for more details.

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World's Largest Grain Storage Scheme

General Information
  • Purpose: Under the World's Largest Grain Storage Scheme implemented by the government, the bank distributes loans to Primary Agricultural Credit Societies (PACS) for building warehouses

  • Criteria: Minimum warehouse storage capacity must be 100 Metric Tons (MT)

  • Interest Subvention: A 3% interest subvention is provided by the government to the Primary Agricultural Credit Societies

Required Documents
Financial statements of the society
resolution of the society
project report
Gram Panchayat / Tahsildar permission
etc.

* Note: The above Document list and information are tentative; please contact your nearest branch for more details.

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Loan Scheme under Agriculture Infrastructure Fund

General Information
  • Purpose: Loans are provided under this scheme for agricultural infrastructure projects.

  • Interest Rate: An interest rate of 4% is charged on this loan.

  • Loan Repayment Period: 7 Years.

  • Interest Subvention: Under this scheme, a 3% interest subvention on amounts up to Rs. 2.00 Crores will be payable by the government for a period of 7 years. Consequently, after the interest subvention, the loan will effectively be available to the member borrower at a 1% interest rate.

Required Documents
Income Proof
Aadhaar Card
Bank Statements

* Note: The above Document list and information are tentative; please contact your nearest branch for more details.

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Annasaheb Patil Arthik Magas Vikas Mahamandal

General Information
  • Scheme Types:

    1. Individual Loan Interest Subvention Scheme

    2. Group Project Loan Interest Subvention Scheme (Minimum group of 2 individuals)

  • Eligibility: Only Maratha Community

  • Interest Subvention: Reimbursement up to an interest limit of Rs. 4.50 Lakhs for individuals and Rs. 15.00 Lakhs for groups

  • Maximum Loan Limit: Up to Rs. 15 Lakhs for individuals; Rs. 5 Lakhs to Rs. 50.00 Lakhs for group projects (depending on the number of individuals in the group

  • Interest Subvention Period: 7 years for individuals, 5 years for group projects

  • Income Limit: Family's annual household income must be within Rs. 8.00 Lakhs

  • Condition: Government-registered groups/institutions will be eligible for benefits

Required Documents
Aadhaar Card
PAN Card
Income certificate

* Note: The above Document list and information are tentative; please contact your nearest branch for more details.

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Vasantrao Naik Vimukta Jati & Bhatkya Jamati Vikas Mahamandal

General Information
  • Scheme Types: 1) Seed Capital Loan Scheme  2) Direct Loan Scheme

  • Beneficiaries: 14 Vimukta Jatis (Denotified Tribes), 37 Bhatkya Jamatis (Nomadic Tribes), and 7 Special Backward Classes (SBC) categories among Hindus and Muslims

  • Project Limits: Up to Rs. 5 Lakhs for Seed Capital Loans, and up to Rs. 10 Lakhs for Direct Loans

  • Financing & Interest (Seed Capital): The Corporation provides 24% to 25% margin money at a 4% interest rate for a tenure of 5 years; the remaining 75% loan is provided through the bank

  • Direct Loan Scheme: A loan of Rs. 10 Lakhs is directly provided by the Corporation at a 0% interest rate, where 100% of the share is borne by the Corporation, and no additional bank loan can be taken

Required Documents
Aadhaar Card
PAN Card
Income certificate

* Note: The above Document list and information are tentative; please contact your nearest branch for more details.

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Shamrao Peje Konkan Other Backward Class Economic Development Corporation

General Information
  • Beneficiaries: Exclusively for Other Backward Classes (OBC).

  • Scheme Types:

    1. 20% Seed Capital Scheme.

    2. Direct Loan Scheme up to Rs. 1.00 Lakh.

    3. Individual Loan Interest Subvention Scheme.

    4. Group Project Loan Interest Subvention Scheme.

    5. Educational Loan Interest Subvention Scheme.

    6. Skill Development Training Scheme.

    7. Mahila Swayamsiddha Interest Subvention Scheme.

Required Documents
Aadhaar Card
PAN Card

* Note: The above Document list and information are tentative; please contact your nearest branch for more details.

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Sant Rohidas Charmodyog & Charmakar Vikas Mahamandal

General Information
  • Scheme Types: 1) 50% Subsidy Scheme, 2) Seed Capital Scheme

  • Beneficiaries: Chambhar, Dhor, Holar, and Mochi castes under the Scheduled Castes (SC) category within the Hindu religion

  • Feature: Financial assistance is available at subsidized interest rates for the margin money portion of the project

Required Documents
Aadhaar Card
PAN Card
Income certificate

* Note: The above Document list and information are tentative; please contact your nearest branch for more details.

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Mahatma Phule Backward Class Development Corporation

General Information
  • A) Through State Government: 1) 50% Subsidy Scheme, 2) Seed Capital Yojana

  • B) Through Central Government: 1) Term Loans, 2) Micro Finance Scheme, 3) Mahila Samriddhi Yojana, 4) Mahila Adhikarita Yojana, 5) Higher Educational Loan Scheme

  • C) Through National Scheduled Castes Finance and Development Corporation (NSFDC): 1) Green Business Scheme, 2) Small Business Scheme

Required Documents
Aadhaar Card
PAN Card
Income certificate

* Note: The above Document list and information are tentative; please contact your nearest branch for more details.

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