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Dena Bank

Dena Bank (founded 26 May 1938) is one of the earliest banks in India, headquartered in Mumbai. Dena Bank was founded on 26 May 1938, by the family of Devkaran Nanjee under the name Devkaran Nanjee Banking Company Ltd. It is one of the nationalised banks of India. It became a Public Limited Company in December 1939 and later the name was changed to Dena Bank Ltd. It has a network of over 1400 branches.

Credit facilities to Minority Communities - 121 Minority Concentrated Districts

1. Government of India, Ministry of Welfare has notified the Sikhs, Muslims, Christians, Zoroastrians and Buddhists as minority communities. 2. The Banks have been advised to ensure that the minority communities receive an equitable portion of the credit, within the overall target for priority sector lending and the sub target of 10 percent for the weaker sections.

2. Credit Counselling Centres - Dena Mitra

In pursuance with the guidelines of RBI, to set up Credit Counselling Centres, our Bank has rolled out its first Credit Counselling Centre at Himatnagar (Dist. Sabarkantha) in Gandhinagar Region on 08.08.2007 . The said center was christened as Dena Mitra. The Bank through these centres provides counselling services to farmers free of cost. The counseling services include debt counseling to individuals who are indebted to both formal and informal sectors as well.

Dena Laxmi Shiksha Protsahan Yojana

As a Corporate Social Responsibility measure, the Bank is implementing Dena Laxmi Shiksha Protsahan Yojana since 2005. The girl students belonging to BPL family, who has secured the highest / second highest marks (first and second) in class 7th are eligible for grant of scholarship under this scheme. The scheme aims to provide scholarship to Girl students from the BPL families for meeting the expenses for the purchase of books, uniforms, school bag, stationery, payment of fees etc., so as to enable them to pursue their studies.

1. Bank has launched and is issuing Dena RuPay KCC Debit cum ATM Card for DKCC holders. 3. Bank has entered tie up arrangement with M/s International Tractors ltd. (ITL) for channel financing to tractor dealers ITL. 4. Bank is having tie-up arrangement with various tractor manufacturing companies for retail financing of tractors under Dena Bank Tractors Agri Finance Scheme. Under these tie -up arrangements, the companies are providing cash discounts / extended warranty periods to the farmers

List of schemes for financing to Agriculture Sector Bank has introduced Dena Kisan Gold Credit Scheme for farmers to help them to avail of loans and financial benefits from the bank.

Dena Kisan Credit Card Dena Agriculture Gold / Silver Loan Scheme Dena Kisan Tatkal Scheme Dena Kisan all purpose Term Loan

Financing farmers for purchase of land for agriculture purpose.

Dena Kisan Gold Credit Card Scheme

(DKGCC) Objective The scheme aims at "Whole Farm Approach" in respect of farm loans. The scheme ensures flexibilty and choice in respect to the purpose, amount and timing of loan. Eligibility

i. ii.

Farmers, irrespective, of land holdings with Regular conduct of the existing loan accounts for last 3 years.


Farmers are free to choose from various Investment Credit options like purchase of Milch animals, Bullock carts, digging of well, installation of electric motor, drip/sprinkler irrigation system, laying of pipe line, Purchase of Farm Machinery such as Tractors & Farm Equipment, farm buildings/houses. Provision for domestic needs like medical treatment, children's education and family functions etc not exceeding 10% of the limit is there. Nature of facility Term Loans Disbursement On request, the loan amount would be transferred to the S.B. Account of the borrower and the borrower is allowed to draw the loan amount by way of either issuing cheques to the supplier or withdrawing the money in cash. Disbursement upto Rs. 50,000/- or a maximum of 10% of the limit sanctioned may not require any quotation / bill. However, disbursement beyond 50,000/- will be supported by production of Quotations, Bills and Receipts to ensure proper end use of the loan. In case of loans for purchase of tractor, Dena Bank's charge is to be registered with RTO as per the usual practise. Rate of Interest Interest rate, prevaling from time to time, will be applicable for the loans financed under the scheme.

Security Primary- Hypothecation of the asset created out of Dena Bank finance. Collateral- Mortgage/simple charge on the agricultural land with Sub-Registrar Office. Whenever, agriculture land can be mortgaged, branches can take security of corresponding value of liquid assets like NSC, KVP, Term Deposit Receipt or assignment of LIC Policies. However security should be properly charged to the Bank. No guaranter is required. Repayment Period Each loan account under the scheme would have its own repayment period and maximum repayment available would be 7 years. However, maximum repayment period for tractor / farm equipment loans will be 9 years.

SME Finance
Dena Bank has initiated number of measures to meet the needs and aspirations of MSME entrepreneurs: 68 branches of our Bank located in MSME clusters of our country have been specialized as MSME branches, fully equipped to take care of the banking needs of MSME entrepreneurs.

These Branches have been delegated additional sanctioning powers to meet the credit requirements to MSME units. Special Products/ Schemes devised for MSME sector:

Dena Laghu Udhyami Credit Card [Credit card for MSME Entrepreneurs] Dena Shakti Scheme [for women entrepreneurs a concessionalROI.] Scheme for financing Rice/ Dal Mills Scheme for financing Wind Mills Channel Financing Scheme for Dealers / Suppliers Dena Artisans Credit Card

Tie up with SIDBI for Co-financing of MSME Units. Loans upto Rs. 50 lacs are collateral free if covered under CGTMSE.

Dena Shakti
The Bank has modified its Dena Shakti Scheme - a scheme for financing to Women Entrepreneurs by including following activities / sectors under the purview of the scheme so as to increase its out reach to women . Activities covered under the scheme (as per the definition of Priority Sector conveyed by RBI) w.e.f 01.03.2008 1.Agriculture & allied activities 2.Small Enterprises (Direct and Indirect Finance) Micro and small (manufacturing) enterprises Micro and small (service) enterprises which include small road and water transport operators, small business professional and self employeds and all other service enterprises 3. Retail Trade 4. Micro Credit 5. Education 6. Housing 2. Ceiling of loan : The maximum ceiling limits that can be considered for financing to women beneficiaries under this scheme will be as per the directives of RBI stipulated for various sectors under priority sector such as loans upto Rs 20.00 lakhs under retail trade, Rs 20 lakhs under education and housing and Rs 50000/- under micro credit as well as Bank's specific schemes circulated to branches / offices from time to time.

Dena Swachchh Gram Yojana

A scheme for providing financial assistance for construction of Lavatories / and Bathrooms in rural areas so as to create hygienic conditions in rural areas so as to make the living conditions in villages clean and hygienic . The unit cost for the above purpose shall vary from place to place depending upon the purpose for which loan is to be extended . LOAN AMOUNT:Maximum loan amount is Rs 10,000/ subject to unit cost as approved by respective State Government / Government of India or as estimated by the Branch Officials . REPAYMENT:The loan is to be repaid in 5 years including a moratorium period of 3 months from the date of disbursement .

Dena Paryavaran Suraksha Yojana

A Scheme for Conversion / Retrofitting of CNG/ LPG kits in Auto Rickshaws : The Scheme aims at providing term loan for Conversion / Retrofitting of CNG/ LPG kits in Auto Rickshaws so as to curb pollution. LOAN AMOUNT:Maximum loan amount is Rs 25,000/ or Cost of CNG/LPG Kit whichever is less. REPAYMENT :The loan is repayable in 36 Equated Monthly installments in 3 years. A moratorium up to three months may be given on merit of each case. The first installment of loan shall fall due after one month of disbursement of loan / moratorium period.However, the interest during the moratorium period is to be repaid every month.

Gold Card Scheme for the Exporters


Who are Eligible :

1. All exporters, including those in small and medium sectors, having a good track record
and credit worthiness depending on the credit Rating done as per banks norms.

2. The account should be "Standard" continuously for three years and should not be in the
caution list of ECGC or RBI.

3. However, export firms making losses for the past three years or having overdue export
bills in excess of 10% of the current years turnover are not eligible for Gold Card. Limits

1. Based on the credit needs of the exporter appropriate limits for both Pre-shipment/Post
shipment will be sanctioned for a period of three years subject to annual review of account.

2. A stand-by limit of not less than 20 percent of the assessed limit may be made
additionally granted for facilitating urgent credit needs for executing sudden orders.

3. Norms for inventory may be relaxed in case of unanticipated export orders, taking into
account the size and nature of the export order. Rate of Interest :

Interest are charged as per RBI guidelines.

Concession in Charges :

25% concession will be given to cardholders in commission and exchange.

Tenor :

The Gold Card will be issued for a period of three years and will be renewed for a further period of 3 years unless any adverse/irregularities are noticed.


Preference will be given for grant of PCFC.

Prime Ministers Employment Generation Programme

Sr Name of the No scheme 1 About the Scheme Prime Ministers Employment Generation Programme (PMEGP)

The Government of India, have merged Rural Employment Generation Programme ( REGP) with Prime Minister Rozgar Yojana (PMRY) and introduced a new scheme called Prime Minister Employment Generation Programme (PMEGP) w.e.f.01.04.2008 (As such PMRY scheme is closed).
i) To generate employment opportunities in rural as well as urban areas of the country through setting up of new self-employment ventures / projects / micro enterprises. ii) To bring together widely dispersed traditional artisans /rural and urban unemployed youth and give them self-employment opportunities to the extent possible, at their place. For setting up of eligible viable activities underPrime Minister Employment Generation Programme (PMEGP) scheme. Term loan & Cash Credit facility.



3. 4.


Purpose of Loan Nature of Credit Facility Eligibility Conditionof Beneficiaries



(i) Any individual, above 18 years of age (ii) There will be no income ceiling for assistance for setting up projects under PMEGP. (iii) For setting up of project costing above Rs.10 lakh in the manufacturing sector and above Rs.5lakh in the business /service sector, the beneficiaries should possess at least VIII standard pass educational qualification . (iv) Assistance under the Schemes is available only for new projects sanctioned specifically under the PMEGP. (v) Self Help Groups (including those belonging to BPL provided that they have not availed benefits under any other Scheme) are also eligible for assistance under PMEGP. (vi) Institutions registered under Societies Registration Act,1860; (vii) Production Co-operative Societies, and (viii) Charitable Trusts. (ix) Existing Units (under PMRY, REGP or any other scheme of Government of India or State Government) and the units that have already availed Government Subsidy under any other scheme of Government of India or State Government are not eligible. The details of Beneficiaries contribution and rate of subsidy are as

and Nature of Financial Assistance :


Maximum cost of project : Nodal Agency

under : Categories of Beneficiarycontribution Rate of beneficiaries under project cost Subsidy (of PMEGP project cost) Area (location of Urban Rural project/unit) General Category 10% 15% 25% Special (including 25% SC/ST/OBC/Minorities/ 5% 35% Women, Exservicemen, Physically, NER, handicapped, Hill and Border areas etc (i)The maximum cost of the project/unit admissible under manufacturing sectors is Rs. 25 lakh.

(ii) The maximum cost of the project/unit admissible under business / service sector isRs.10 lakh.
Khadi and Village Industries Commission (KVIC) will be the single National level nodalimplementation agency for PMEGP . At the State level, the Scheme will be implemented through State KVIC Directorates, State Khadiand Village Industries Boards (KVIBs) and District Industries Centers (DICs) and banks. All the branches of Dena Bank. Any person interested to avail loan under the said scheme may contact nearest branch for further details.



Implementing branches

Export Services
Dena Bank offers wide range of services both at pre-shipment and post-shipment stage to exporters to help them realize business opportunities world over. We offer both Pre-shipment and Post-shipment credit in Rupee denominated terms as well as in Foreign Currency to exporters having firm export orders or confirmed Letters of Credit.

Pre Shipment Export Credit (Packing Credit)

Dena Bank offers Pre-shipment Credit (Packing Credit) to the exporters for financing procuring, processing, manufacturing and/ or packing the goods for export. Packing Credit is granted for a period depending upon the circumstances of the individual case, such as the time required for procuring, manufacturing or processing (where necessary) and shipping the relative goods. Packing Credit is liquidated out of the proceeds of the Bill dawn for the exported commodities, once the Bill is purchased/ discounted etc., thereby converting pre-shipment credit into postshipment credit. Packing Credit in Foreign Currency (PCFC)

With a view to making credit available to exporters at internationally competitive rates, Dena Bank extends Pre-shipment Credit in Foreign Currency (PCFC) to exporters for domestic and imported inputs of exported goods at LIBOR/EURO LIBOR/ EURIBOR linked rates of interest. PCFC is available in major foreign currencies i.e. USD, GBP, EURO and YEN. Exporters can cover the cost of both domestic as well as imported inputs by these funds. PCFC can be liquidated out of proceeds of export documents on their submission for discounting/rediscounting under the EBR Scheme. Subject to mutual agreement between the exporter and the banker it can also be repaid / prepaid out of balances in EEFC A/c as also from rupee resources of the exporter to the extent exports have actually taken place. Post Shipment Export Credit Dena Bank offers Post-Shipment Credit to exporters after shipment of goods till the date of realization of export proceeds and includes any loan / advance granted on the security of any duty drawback allowed by the Govt. from time to time. The exporter has the option to avail of preshipment and post-shipment credit either in rupee or in foreign currency. . The exporter can avail the following advances at post-shipment stage: i. To get export bills purchased /discounted / negotiated; ii. To get advances against bills for collection; iii. To receive advances against duty drawback receivable from Govt. Post-shipment credit has to be liquidated by the proceeds of export bills received from abroad in respect of goods exported.

Letter of Credit Advising/ Confirmation Dena Bank, having wide network of correspondent banks offers Letter of Credit advising services through SWIFT, fax, telephone to help exporters arrange for shipment and preparing the documents in advance. Bank Guarantees We offer bank guarantees on behalf of exporters to enable them to undertake big export contacts. The guarantees include bid-bond guarantee, Advance payment Guarantee etc. The guarantees are issued for eligible purposes as mentioned in FEMA. Exporters Gold Card Scheme Dena Bank has launched GOLD CARD SCHEME for exporters to meet the working capital needs of exporters with good track record and credit worthiness, subject to their fulfilling the specified eligibility norms. Eligibility Criteria: i. Exporters whose accounts have been classified as Standard continuously for a period of 3 years and there are no irregularities / adverse features in the conduct of the account. ii. Established exporters having satisfactory track record with the branch for at least 3 years and enjoying Credit Rating stipulated by the Bank.

Key benefits under the scheme are as following: i. Rate of interest is stipulated at 0.25% lower than the rate applicable for normal exporters for pre-shipment Rupee credit. ii. The charge schedule and fee structure are relatively lower than those provided to other exporters. iii. Preference given for grant of Packing Credit in Foreign Currency (PCFC). iv. Applications for credit are processed at norms simpler and under a process faster than for other exporters. Gold Card issued is valid for 3 years and will be renewed for a further period of 3 years subject to compliance of laid down sanction terms and conditions.

Import Services
Dena Bank provides various types of fund based and non-fund based services to the importers for facilitating the imports in the country. All the facilities are subject to the prevalent rules of the Bank / RBI guidelines. Our Fund based services include Rupee and Foreign Currency loans, External Commercial Borrowing facilitation etc. and Non-Fund based services include establishment of Letter of Credit, collection/ payment of import bill and issuance of various guarantees on behalf of importers.

Letter of Credit Dena Bank offers L/C facility for the purchase of goods in the international market. With the Letter of Credit, importers can build up better trust/ confidence in their suppliers and develop other business relationship at a much faster pace. The L/C facility can be granted to the importers after assessing their requirement / credit worthiness / financial strength and other parameters being to the satisfaction of the Bank. We help importers drafting the terms of Letter of Credit so as to protect their interest. The bank's vast network of branches and correspondent banks enables your enterprise to sustain a seamless flow of business on a wide platform. Collection of Import Bills The import bills are collected through our Authorized Branches at very competitive rates. Our bank has correspondent banking relationship with reputed International Banks throughout the world and affects remittances for imports payment in any part of the globe. Bank Guarantees Dena Bank on behalf of importers/ other customers issues guarantees in favour of beneficiaries abroad. The Guarantees can be both Performance and Financial. The issuance of guarantee is allowed for the purposes defined under FEMA subject to availability of your credit limits or cash margin. Fund based Services We assist you to import desired goods by providing Rupee loans and Foreign Currency Loans. We facilitate buyers

credit for your imports for the period specified under FEMA. We also assist our customers in raising foreign currency funds through External Commercial Borrowing (ECB) for expansion/ modernization of existing facilities and/ or import of capital goods etc.

Corrospondent Banking
Having correspondent banking relationship with over 500 international banks Dena Bank assures its customers of best services in every part of the world. Our correspondent banking services include i. Global remittances in foreign currencies through DD/ TT/ SWIFT towards import payment and/ or other purposes permitted under FEMA. ii. Timely collection of bills both documentary and clean. iii. Advising/ Confirmation of Letter of Credit issued by us. Nostro Accounts Nostro Accounts are maintained by an Indian Bank with overseas banks in foreign currency to settle its foreign currency transactions. Dena Bank maintains 19 Nostro accounts with internationally reputed banks in 9 major currencies i.e. US Dollar, Pound Sterling, Euro, Japanese Yen, Singapore Dollar, Swiss Frank, Hong Kong Dollar, Canadian Dollar and Australian Dollar. With the help of our Nostro accounts, we affect remittances in foreign currency and payment/settlement of other cross currency transactions.

Other Services
Exchange Earners Foreign Currency (EEFC) Account Dena Bank offers resident Indians to open, hold and maintain a foreign currency account known as Exchange Earners Foreign Currency (EEFC) Account. This account will be maintained only in the form of non-interest bearing current account. The exporters may keep their foreign exchange receivables in this account up to the limits specified by RBI. The balances held in this account may be utilized by the exporters to repay packing credit advances in INR and/ or foreign currency. The exporters may also extend trade related loans/advances to overseas importers out the balances in EEFC account subject to compliance of FEMA guidelines.

Diamond Dollar Account Its a foreign currency account meant for the firms/ companies dealing in purchase/ sale of rough or cut and polished diamonds, diamond studded Jewellery. Such firms with good track record of at least three years in import/ export of diamonds with an annual average turnover of Rs. 5 crore or above during the preceding three licensing years (from April to March) are permitted to carry out their business through designated Diamond Dollar Accounts (DDAs). Under the DDA scheme, it would be in order for banks to liquidate PCFC granted to a DDA holder by dollar proceeds from sale of rough, cut and polished diamonds by him to another DDA holder. Treasury Operations Dena Bank has specialized integrated treasury operations equipped with latest software system and communication technologies. We provide whole range of services and products like purchase/ sale of major foreign currencies, booking of forward contract etc. Full fledged dealing room operations and a strong presence in inter-bank forex market enable us to offer finer exchange rates to customers.

You can avail of Dena Niwas Home Loan to purchase a plot, construct a house, buy a ready built house or buy one under construction. Purchase a house that is up to 50 years old provided the remaining life of the house is more than 25 years. Besides you can take this loan for repairs and upgradation, which includes the cost of fixtures, POP works, retiling, fittings etc. It even gives you the option to shift an existing home loan with any other Bank or Financial Institution.

You are eligible if: You are a major individual, resident or non-resident, having a regular source of income. Your age on the maturity of the loan is less than retirement age if you are a salaried employee & below 65 years, if you have a business. The total deductions do not exceed 60% of your gross income, including the loan installment of the proposed loan.

Loan Amount Up to Rs.200 lakhs for the purchase/construction of a house.

Up to Rs.10 lakhs for renovation/upgradation.

Rate of Interest Interest Charged on Daily Reducing Balance No Prepayment Charges Loan Limit of Rs 200 Lacs. Purchase of House upto 50 years old allowed Floating Rate Linked to Base Rate

Repayment Upto 25 years-for the purchase of a new flat/house/construction/extension. Upto 10 years- for repairs, renovation and upgradation. Security Simple equitable mortgage of the house/flat/apartment on which the loan is availed.

Dena Vidya Laxmi Educational Loan Scheme

Education Loan - Government interest subsidy scheme for Economically Weaker Sections (EWS) Coverage : EWS with upper parental income of Rs.4.50 lakhs per annum. For recognized Technical / Professional Courses in India after Class XII as approved by Ministry of Human Resources Department, Government of India. Certification of income by Designated authority in the prescribed format. Applicable from academic year 2009-10. Interest Subsidy during moratorium period (Course period + 6 months / 1 year).

Loan Amount

Upto Rs.10 lakhs for studies in India. Upto- Rs. 20 lakhs for studies abroad. 1% interest concession if interest is serviced as and when due during the moratorium period when repayment holiday is specified.

Dena Trade Finance Scheme Loan Amount Minimum- Rs. 2.50 lakhs Upto- Rs. 200 lakhs CC Limit upto 20 % of your projected turnover. Non-fund based limits upto 25% of eligible limit on the basis of projected turnover Term Loan upto 20% of working capital eligibility In case of disruption of the working capital cycle, 40 % of collateral security can be included to calculate Drawing Power. Nature of Limit Cash Credit (hypothecation), Term Loan (Secured), Non-fund based limits (Bank Guarantee & LC) Margin CC Hypothecation - 25% stock, 50% of book debts Non-fund based limits (BG & LC) - 25%

Term Loan - 25%

Security CC limit : Hypothecation of Stock and Book Debts Term Loans : Hypothecation of security created out of term loan Equitable mortgage of immovable property or any other liquid assets (other than equity shares, debentures) with minimum realisable market value of 100% of sanctioned limit as collateral

Dena Mortgage Loan Scheme If you have free hold, un-encumbered, non-agricultural property, residential or commercial- you can fulfill all your needs with Dena Mortgage Loan. Be it to finance a marriage, higher education, a foreign trip or medical treatment. You are eligible if: You are 21 years of age. You are a salaried individual, professional, self-employed, agriculturist. You are an income tax assessee for at least 2 years. Your net monthly income is at least Rs. 12,000/-. Income of spouse (co-applicant) can be clubbed for enhanced eligibility.

Loan Amount Minimum- Rs. 2 lakhs Upto- Rs. 300 lakhs