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 RESULTS AT A GLANCE
 

RESULTS AT A GLANCE (Rs in Lakhs)
Description 

2002-03

2003-04

2004-05
2005-06 
Sanctions  15573 16256  10979
 121.13
Disbursements 
 11231 11902  8548
 78.52
Recovery 
 25285 27284  24468
 213.89
Total Income 
 11803 12040  9504
 90.66
Total Expenditure 
 10294 9165 9451
 7922
Operating Profit 
 1179 2774 53
 1138
Indicative ratios:  
Capital Adequacy Ratio 
 11.05% 15.20% 16.96%
 18.88%
Recovery Ratio 
 42% 45% 29.09%
 30.89%

 Promotional Activities
 

 .    Existing   industrial   concerns  for  expansion   or   renovation  or  modernisation  or diversification in  the  line  of  manufacture and New industrial concerns can approach us for availing of long term loans, short term loans, bridge loans etc. to suit individual needs. 
 .    Besides manufacturing  and  processing  units, we also  give loans to service sectors like hospitals, and for acquiring vehicles, tourism and tourism related activities like amusement  park ,motels etc. 
 .    Our  special  schemes  cover  marriage  halls, road  builders, weigh bridges, Warehouse, 
mobile  Diesel  Generator set, ISO  9000, Technology modernization, including  short term  
loan  for  capital  asset  aquisation,  replacement  of  assets, Working  capital  needs,  Bill purchase facility etc. 
 .    We also have a scheme for providing working capital assistance to small scale industrial units.
 .    National   Equity  fund  is  another   attractive  scheme  for  small entrepreneurs providing equity based. support for setting up new industrial units. 
 
Financing Pattern and Security

 .     Funds to be raised  by  the  promoter(s)  as  capital  is  called  the promoters contribution.  Our  schemes prescribe  certain  minimum contribution from the entrepreneurs.  Depending upon  the scheme, the  minimum contribution  ranges between 25% and 40% of the project cost. Our schemes  also stipulate  the  margin on security for industrial assets from 15% to 50% depending  upon the class of assets. Industrial  assets  that are  acquired through the loan will form principal security. We also stipulate for collateral cover while granting loans for  working  capital,  shopping complex, vehicles, electronic equipment's, stone crushing units, ice  plants and similar  types of units and also for units functioning in rented premises or in industrial estates/development plots. The quantum of collateral cover varies with the  promoters contribution and type of project.