• SIDBI's Udyamimitra Portal [www.udyamimitra.in] is an enabling platform, aims to provide 'End to End' solutions not only for credit delivery but also for the host of credit plus services by way of handholding support, application tracking, multiple interface with stakeholders (i.e. lenders, service providers, applicants). Further, New age lenders viz. Fintechs, NBFCs, Small Finance Banks, MFIs are on-boarded on the platform for enhancing the flow of credit to MSMEs.

• Access the website through http://www.udyamimitra.in portal. The portal is best viewed with Internet Explorer 10+ or the latest version of Google Chrome or Mozilla Firefox on a desktop / laptop & all hand-held devices.

• What are the other benefits under the udyamimitra portal ?

• The beneficiaries could be walk-in customers for a bank, online applicants or trainees from various government and non-government agencies engaged in providing vocation training, Entrepreneurship Development Programs, Financial training etc.

• Presently, registration on the Portal is free of cost.

• The portal provides access to both financial (1.25 lakh lender branches) and non financial services (17000+ handholding agencies) with three distinct features viz. (i) seek handholding support; (ii) select and apply for loans to preferred banks; (iii) enable faster loan processing. Further, New age lenders viz. Fintechs, NBFCs, Small Finance Banks, MFIs are being on-boarded on the platform for enhancing the flow of credit to MSMEs.

• Virtual market is a place provided in dashboard for all stakeholders where all online loan applications aggregate and lenders are able to pick up any applications and process.

• Dashboard is a user interface providing facility to view activities being carried out through the portal, available on real time basis. Dashboard would facilitate generation of reports for analytics.

• The dashboard provides a Do-It-Yourself (D-I-Y) tool for MSMEs to help them to understand of their business-health and to assess their creditworthiness. This tool is used to provide the organization with a Credit Score, thus making them aware of applicant’s financial status in the business arena.

• You may contact your preferred lender/ handholding agency through messaging module available on portal.

• The portal allows submission of additional documents to the Bank even after submission of loan application. In order to do so, visit dashboard, wherein a link to submit the additional documents has been provided next to your application number.

• The moment you submit online loan application on portal, it flows to a virtual Marketplace. Various lenders viz. scheduled commercial banks as well as new age lenders viz. Fintechs / NBFCs/ Small Finance Banks / MFIs are actively participating in the marketplace. Virtual market is a place where all online loan applications would be aggregated and lenders would be able to pick up any applications and process. It would bring about competition among the lenders, paving way for bagging the best terms for you.

• Presently, there are three broad categories of lending institutions:
  1. Banks/ SFBs: This includes public sector, private sector, foreign banks, small finance banks and regional rural banks. One can choose a bank. Choosing bank branch is important when one is applying for loan under Stand Up India.
  2. NBFCs: Non Banking Financial Companies licensed by RBI who have significant presence in MSME domain
  3. Fintechs,who lay high thrust in technology and speed of delivery.

• Fintech is the intersection of financial services and technology and brings innovation to every area of financial services. Fintechs use technology to define and make financial systems a lot more efficient, effective and inclusive. Fintech Companies in India are gradually increasing their presence in MSME lending operations. Fintech has the potential to have an impact on the entire value chain of MSME lending by reducing costs, minimising risks and enhancing financial access for MSMEs. The Government’s encouragement of start-up activity and financial inclusion is fuelling the Fintech revolution in India. Fintechs are being boarded as lenders on udyamimitra portal.

• A Non-Banking Financial Company (NBFC) is a company registered under the Companies Act engaged in the business of loans and advances towards MSMEs, acquisition of shares/stocks/bonds/debentures/securities issued by Government or local authority or other marketable securities of a like nature, leasing, hire-purchase, insurance business, chit business but does not include any institution whose principal business is that of agriculture activity, industrial activity, purchase or sale of any goods (other than securities) or providing any services and sale/purchase/construction of immovable property. A non-banking institution which is a company and has principal business of receiving deposits under any scheme or arrangement in one lump sum or in installments by way of contributions or in any other manner, is also a non-banking financial company (Residuary non-banking company). NBFCs are being boarded as lenders on udyamimitra portal.

• Small Finance Banks (SFBs) are a type of niche banks in India. Banks with a small finance bank license can provide basic banking service of acceptance of deposits and lending. The aim behind these to provide financial inclusion to sections of the economy not being served by other banks, such as small business units, small and marginal farmers, micro and small industries and unorganised sector entities.

• The portal allows to withdraw loan application to make necessary changes in the application. In order to do so, click on the 'Withdraw to Reapply' icon available next to the application no. in the dashboard. After withdrawing, click on 'Fill Application Form'. Previously entered data would be available. Thereafter, make necessary corrections and submit loan application.

• Please visit 'My Profile' section available on top right corner of your dashboard to edit your profile details viz. Gender/ Social Category/ Loan Requirement/ New Business activity in order to change the eligible scheme. Thereafter, withdraw your application to reapply under the new scheme.

• SIDBI's Udyamimitra Portal [www.udyamimitra.in] is an enabling platform, aims to provide 'End to End' solutions not only for credit delivery but also for the host of credit plus services by way of handholding support, application tracking, multiple interface with stakeholders (i.e. lenders, service providers, applicants). Further, New age lenders viz. Fintechs, NBFCs, Small Finance Banks, MFIs are on-boarded on the platform for enhancing the flow of credit to MSMEs.

• Access the website through http://www.udyamimitra.in portal. The portal is best viewed with Internet Explorer 10+ or the latest version of Google Chrome or Mozilla Firefox on a desktop / laptop & all hand-held devices.

• What are the other benefits under the udyamimitra portal ?

• The beneficiaries could be walk-in customers for a bank, online applicants or trainees from various government and non-government agencies engaged in providing vocation training, Entrepreneurship Development Programs, Financial training etc.

• Presently, registration on the Portal is free of cost.

• The portal provides access to both financial (1.25 lakh lender branches) and non financial services (17000+ handholding agencies) with three distinct features viz. (i) seek handholding support; (ii) select and apply for loans to preferred banks; (iii) enable faster loan processing. Further, New age lenders viz. Fintechs, NBFCs, Small Finance Banks, MFIs are being on-boarded on the platform for enhancing the flow of credit to MSMEs.

• Virtual market is a place provided in dashboard for all stakeholders where all online loan applications aggregate and lenders are able to pick up any applications and process.

• Dashboard is a user interface providing facility to view activities being carried out through the portal, available on real time basis. Dashboard would facilitate generation of reports for analytics.

• The dashboard provides a Do-It-Yourself (D-I-Y) tool for MSMEs to help them to understand of their business-health and to assess their creditworthiness. This tool is used to provide the organization with a Credit Score, thus making them aware of applicant’s financial status in the business arena.

• You may contact your preferred lender/ handholding agency through messaging module available on portal.

• The portal allows submission of additional documents to the Bank even after submission of loan application. In order to do so, visit dashboard, wherein a link to submit the additional documents has been provided next to your application number.

• The moment you submit online loan application on portal, it flows to a virtual Marketplace. Various lenders viz. scheduled commercial banks as well as new age lenders viz. Fintechs / NBFCs/ Small Finance Banks / MFIs are actively participating in the marketplace. Virtual market is a place where all online loan applications would be aggregated and lenders would be able to pick up any applications and process. It would bring about competition among the lenders, paving way for bagging the best terms for you.

• Presently, there are three broad categories of lending institutions:
  1. Banks/ SFBs: This includes public sector, private sector, foreign banks, small finance banks and regional rural banks. One can choose a bank. Choosing bank branch is important when one is applying for loan under Stand Up India.
  2. NBFCs: Non Banking Financial Companies licensed by RBI who have significant presence in MSME domain
  3. Fintechs,who lay high thrust in technology and speed of delivery.

• Fintech is the intersection of financial services and technology and brings innovation to every area of financial services. Fintechs use technology to define and make financial systems a lot more efficient, effective and inclusive. Fintech Companies in India are gradually increasing their presence in MSME lending operations. Fintech has the potential to have an impact on the entire value chain of MSME lending by reducing costs, minimising risks and enhancing financial access for MSMEs. The Government’s encouragement of start-up activity and financial inclusion is fuelling the Fintech revolution in India. Fintechs are being boarded as lenders on udyamimitra portal.

• A Non-Banking Financial Company (NBFC) is a company registered under the Companies Act engaged in the business of loans and advances towards MSMEs, acquisition of shares/stocks/bonds/debentures/securities issued by Government or local authority or other marketable securities of a like nature, leasing, hire-purchase, insurance business, chit business but does not include any institution whose principal business is that of agriculture activity, industrial activity, purchase or sale of any goods (other than securities) or providing any services and sale/purchase/construction of immovable property. A non-banking institution which is a company and has principal business of receiving deposits under any scheme or arrangement in one lump sum or in installments by way of contributions or in any other manner, is also a non-banking financial company (Residuary non-banking company). NBFCs are being boarded as lenders on udyamimitra portal.

• Small Finance Banks (SFBs) are a type of niche banks in India. Banks with a small finance bank license can provide basic banking service of acceptance of deposits and lending. The aim behind these to provide financial inclusion to sections of the economy not being served by other banks, such as small business units, small and marginal farmers, micro and small industries and unorganised sector entities.

• The portal allows to withdraw loan application to make necessary changes in the application. In order to do so, click on the 'Withdraw to Reapply' icon available next to the application no. in the dashboard. After withdrawing, click on 'Fill Application Form'. Previously entered data would be available. Thereafter, make necessary corrections and submit loan application.

• Please visit 'My Profile' section available on top right corner of your dashboard to edit your profile details viz. Gender/ Social Category/ Loan Requirement/ New Business activity in order to change the eligible scheme. Thereafter, withdraw your application to reapply under the new scheme.

• Go to the login icon available on the top right corner of home page of udyamimitra portal and select ‘applicant’ and the same would land you to login page. Then apply for new user icon. Upon registration, user id and password would be forwarded to your registered email id and simultaneously an SMS alert would be sent to the registered mobile number.

• Go to the login icon available on the top right corner of home page of udyamimitra portal and select ‘applicant’ and the same would land you to login page. Please click on forgot password and enter the details sought to receive the link to reset password in the registered email id.

• If you face any problem while registration, please drop a mail to support@standupmitra.in or call us at 022-67221526

• Each applicant has got a dashboard which is available on login. It helps to fill up details, edit, track application and so on. Also once application is submitted, upon each happening viz. upon picking up of loan application, sanction, disbursement, etc. sms/email alert would flow to the registered mobile/email id.

Any type of enterprise loans –

• STAND UP INDIA Loan for SC/ST & Women- between 10 lakh to 100 lakh for green field (new) enterprises
• SME Loans (presently upto 200 lakh)

• You may like to visit subsidy section of the portal (SubsidySchemes) to learn about various subsidy schemes offered by various State/ Central Govt. ministries/ departments.

• Yes. Special Credit Linked Capital Subsidy Scheme (SCLCSS) for MSEs under National Scheduled Castes and Scheduled Tribes Hub Scheme is linked to the portal. It aims at facilitating purchase of plant & machinery by providing 25 per cent upfront capital subsidy to the existing as well as new SC/ST owned MSEs on institutional finance and can now be applied from portal itself to the Nodal Agencies. Eligible applicants would get a link on the loan application form to apply for the subsidy.

• Please get in touch with your preferred lender (chosen by you at the time of submission of application) to understand why the proposal was not approved and based on that take corrective action to make the proposal credit-worthy.

• Any entrepreneur requires guidance in his endeavor to set up his or her business enterprise starting from training to filling up loan applications as per bank requirements. This portal facilitates by providing step by step guidance for connecting to various agencies with specific expertise viz. Skilling Centres, Mentorship support, Entrepreneurship Development Program Centres, Financial Literacy Centers, District Industries Centre, together with addresses and contact number.

• You may navigate through the portal to identify the nature of handholding support required. Broadly handholding support has been segregated in seven areas of expertise viz. Skilling (Vocational), Financial Literacy Training, Entrepreneurship Development Program, Mentoring, Project Report Preparation, Loan Application filling, Work sheds from DICs and Margin Money for Subsidy Support.

• Yes. You have to pay for the training program to the agency directly as per their applicable fee structure.

• Yes. Special Credit Linked Capital Subsidy Scheme (SCLCSS) for MSEs under National Scheduled Castes and Scheduled Tribes Hub Scheme is linked to the portal. It aims at facilitating purchase of plant & machinery by providing 25 per cent upfront capital subsidy to the existing as well as new SC/ST owned MSEs on institutional finance and can now be applied from portal itself to the Nodal Agencies. Eligible applicants would get a link on the loan application form to apply for the subsidy.

• The applicant can select three preferred lenders and / or branch in order of his/ her choice. The branch locator has been provided in the portal which is available in the middle section on left of home page.

• Yes. To facilitate applicants in filling loan application forms online, a new feature ‘Handholding in A Virtual Environment’ (HAVE), has been introduced on the portal which may be used by Handholding Agencies to provide service by filling in the application form online on behalf of the applicant and sending back the filled-in application form back to the applicant for submission through the portal. This does not even require to visit the office of Handholding Agency and enables the Handholding Agency also to analyze the requirements and fill up the applicant form on behalf of the applicant. Handholding Agencies while providing this HAVE service, may charge a reasonable fee from the applicants which has to be settled between the applicant and the agency directly.

• This is very vital information which ensures timely alerts being received by lenders towards applications lodged, not picked up and so on. Branch Users can go to ‘My Profile’ section available on the top right section of the screen and update the relevant details. Super User can also go to ‘Branch Users’ module, select the branch concerned, click on the ‘Edit’ option under the Gear Button and update the relevant details.

• Besides three choices, applicant can visit his/her choice lenders (other than lenders selected earlier) and request them for considering their loans. The portal provides option of access of e-marketplace for all lenders and Branches (irrespective of applicant’s selection) which are active on the portal.

• Applicant can visit his/her choice branches (other than preferred branch selected earlier). As above, the portal provides option of access of e-marketplace for any lender/ branch irrespective of applicant’s selection.

• Apart from linking prospective borrowers to lenders for loans, the udyamimitra portal also provides access to handholding support through a network of governmental/ non-governmental agencies engaged in training, skill development, mentoring, entrepreneurship development programme, project report preparation/application filling, work shed/utility support services and subsidy schemes.

• Yes. However, the details are to be captured in “Offline Loan Application” menu of portal (available under “Official Login” by respective branches). Please remember to feed all details correctly as these shall be picked up for MIS, review and monitoring purposes.

• The lender is able to modify the application in case if it is received in offline mode. Whereas, the applications received in online mode cannot be modified by the lender.

• You may respond to the applications as per the code of commitment adopted by your organisation. We have also provisioned for e-alerts. Upon sanction and first disbursement, the status is to be updated in the portal so as to have real time MIS. Failure to update the disbursement status shall lead to other lender (if any) which has sanctioned to the same entity going ahead with disbursement. In our next stage of development, we shall enable the feeding of subsequent disbursement.

• Market place is a place provided in dashboard for all stakeholders where all online loan applications would be aggregated and lenders would be able to pick up any applications and process. It would bring about competition among the lenders, paving way for bagging the best terms for applicants. To be active on the marketplace, first Nodal Officer and respective branch of your organisation needs to log in to the portal. Thereafter, the portal is to be regularly visited and pending applications appearing on the market-place may be disposed of by suitably updating their status as ‘Picked Up for Processing’, ‘Sanctioned’, ‘Disbursed’, ‘Not Interested’ etc.

• Till the first disbursement, the application would be available in market place. However, after disbursement, no lender can act on the particular disbursed application.

• There is no need to upload MIS on the portal. The system generates MIS on its own based on information available in the portal with respect to sanctions, disbursements etc. on real time. However, to reflect the true and correct picture of the progress made by your organisation, ensure feeding of all information (including timely and regular updation of information) on Offline Loan Application as well as updating status of online applications as ‘Picked Up for Processing’, ‘Sanctioned’, ‘Disbursed’, ‘Not Interested’.

• All lender users have been provided dash board which are embedded with blue coloured numbers. Upon clicking of these numbers, various reports would be generated into an excel sheet.

• You may like to use Messaging Module available on portal to contact loan aspirants regarding seeking clarification on application/ additional document requirement/ follow - up etc.

• Any loan applied on the portal (on or after Mar 31, 2017) gets analysed through in-built NCGTC/ CGTMSE rule engine. The portal provides a better understanding to the lender on the tentative eligibility of Guarantee Coverage. Thus it reduces their time spent in this regard. Upon clicking the ‘gear’ icon appearing on the right hand side of each application, it would show an additional menu option ‘NCGTC/ CGTMSE Coverage’. On clicking the ‘NCGTC/ CGTMSE Coverage’ either on the drop down menu or while viewing the details, a checklist would appear, providing the tentative eligibility checklist which is divided into two parts. One set of rules get checked by the system and the other one is to be ensured by the lender. A tick (✔) or a cross (✖) appears against each check list item.

• Please click on 'Ease of Access Kit' available on top right corner of your dashboard in order to view various features available on portal.

• This is very vital information which ensures timely alerts being received by lenders towards applications lodged, not picked up and so on. Branch Users can go to ‘My Profile’ section available on the top right section of the screen and update the relevant details. Super User can also go to ‘Branch Users’ module, select the branch concerned, click on the ‘Edit’ option under the Gear Button and update the relevant details.

• Besides three choices, applicant can visit his/her choice lenders (other than lenders selected earlier) and request them for considering their loans. The portal provides option of access of e-marketplace for all lenders and Branches (irrespective of applicant’s selection) which are active on the portal.

• Applicant can visit his/her choice branches (other than preferred branch selected earlier). As above, the portal provides option of access of e-marketplace for any lender/ branch irrespective of applicant’s selection.

• Apart from linking prospective borrowers to lenders for loans, the udyamimitra portal also provides access to handholding support through a network of governmental/ non-governmental agencies engaged in training, skill development, mentoring, entrepreneurship development programme, project report preparation/application filling, work shed/utility support services and subsidy schemes.

• Yes. However, the details are to be captured in “Offline Loan Application” menu of portal (available under “Official Login” by respective branches). Please remember to feed all details correctly as these shall be picked up for MIS, review and monitoring purposes.

• The lender is able to modify the application in case if it is received in offline mode. Whereas, the applications received in online mode cannot be modified by the lender.

• You may respond to the applications as per the code of commitment adopted by your organisation. We have also provisioned for e-alerts. Upon sanction and first disbursement, the status is to be updated in the portal so as to have real time MIS. Failure to update the disbursement status shall lead to other lender (if any) which has sanctioned to the same entity going ahead with disbursement. In our next stage of development, we shall enable the feeding of subsequent disbursement.

• Market place is a place provided in dashboard for all stakeholders where all online loan applications would be aggregated and lenders would be able to pick up any applications and process. It would bring about competition among the lenders, paving way for bagging the best terms for applicants. To be active on the marketplace, first Nodal Officer and respective branch of your organisation needs to log in to the portal. Thereafter, the portal is to be regularly visited and pending applications appearing on the market-place may be disposed of by suitably updating their status as ‘Picked Up for Processing’, ‘Sanctioned’, ‘Disbursed’, ‘Not Interested’ etc.

• Till the first disbursement, the application would be available in market place. However, after disbursement, no lender can act on the particular disbursed application.

• There is no need to upload MIS on the portal. The system generates MIS on its own based on information available in the portal with respect to sanctions, disbursements etc. on real time. However, to reflect the true and correct picture of the progress made by your organisation, ensure feeding of all information (including timely and regular updation of information) on Offline Loan Application as well as updating status of online applications as ‘Picked Up for Processing’, ‘Sanctioned’, ‘Disbursed’, ‘Not Interested’.

• All lender users have been provided dash board which are embedded with blue coloured numbers. Upon clicking of these numbers, various reports would be generated into an excel sheet.

• You may like to use Messaging Module available on portal to contact loan aspirants regarding seeking clarification on application/ additional document requirement/ follow - up etc.

• Any loan applied on the portal (on or after Mar 31, 2017) gets analysed through in-built NCGTC/ CGTMSE rule engine. The portal provides a better understanding to the lender on the tentative eligibility of Guarantee Coverage. Thus it reduces their time spent in this regard. Upon clicking the ‘gear’ icon appearing on the right hand side of each application, it would show an additional menu option ‘NCGTC/ CGTMSE Coverage’. On clicking the ‘NCGTC/ CGTMSE Coverage’ either on the drop down menu or while viewing the details, a checklist would appear, providing the tentative eligibility checklist which is divided into two parts. One set of rules get checked by the system and the other one is to be ensured by the lender. A tick (✔) or a cross (✖) appears against each check list item.

• Please click on 'Ease of Access Kit' available on top right corner of your dashboard in order to view various features available on portal.

• The portal incorporates all the functionalities of existing portal (http://www.standupmitra.in) and shares a common database, the super user id/ password allotted for standupmitra can continue to be used for log in into udyamimitra portal. In case, the same has not been received, please drop an email to support@standupmitra.in with details :- Name of the Bank, Name of the Nodal Officer, Mobile Number, E-mail Id (official), Address (with State and District). We shall send the id/ password for Super User of your Bank via return e-mail. Therefore, please ensure that your Bank has received Super User ID/ Password and already started using it. In case the designated Nodal Officer of your Bank has been changed, the new person may continue using the same username and password after suitably updating details like Name, Contact No., Email-id etc. under the ‘My Profile’ section.

• We have created User IDs for each of your branch linking with the IFSC of each branch. In case for some Regional Rural Banks (RRBs), where all the branches having same IFSC code, to facilitate the mapping of branches of such RRBs on to the portal, we have assigned dummy IFSC codes. Similarly, in case of NBFCs/ SFBs and Fintechs, dummy IFSC codes have been created for the branches. Communication in this regard has already been sent to identified / nodal officers through e-mail. In case of non-receipt, please drop an email to support@standupmitra.in for resending the User Id/ password. Also you may please check at super user level that data is correct for your branches.

• To add a branch, which is not appearing in the 'Masters' list of branches, the respective Super User can add the branch details by clicking 'Masters' -> 'Branches' -> 'Add' to add the Branch. Thereafter, the Super User may add the Branch User for the newly created Branch by clicking 'Users' -> 'Branch Users' -> 'Add'. The username and password for the branch user will be created at this stage and the Super User may suitably intimate the login credentials to the Branch User. On same pattern the Super User may add the newly opened Branches.

• The respective branch may go to ‘Reset Password’ option available under Login screen and enter Email ID and User Name to receive the link to reset password in the registered email id. Alternatively, Super User can go to ‘Branch Users’ module, select the branch concerned, click on the ‘Edit’ option under the Gear Button and reset the password.

• For MUDRA loans, Credit Guarantee Fund for Micro Units (CGFMU) (for details refer to http://ncgtc.in/en/products-n-services/cgfmu)
• For Stand Up India loans, Credit Guarantee Scheme for Stand Up India (CGSSI) (for details refer to http://ncgtc.in/en/products-n-services/cgssi ) and
• For SME loans, guarantee coverage under Credit Guarantee Fund Trust for Micro and Small Enterprises (for details refer to ) https://www.cgtmse.in/ are available.

• Certified Credit Counsellor (CCC) refers to an individual MSME advisor who has passed the prescribed certification course (Certificate course on MSME) conducted by IIBF). Thereafter he would approach Implementing and Registering Authority (IRA) i.e. SIDBI and after due diligence he would be empanelled on udyamimitra portal. Such of those candidates who are recommended by SIDBI to IIBF will be issued a joint certificate by IIBF and SIDBI. CCCs shall act as a facilitator for MSME entrepreneurs (existing or potential) to access the formal financial system with greater ease and flexibility. Institutions meeting prescribed eligibility criteria can also be enrolled as Credit Counselling Institutions (CCIs) to render similar services.

• On the demand side, the Micro and Small Enterprises (MSE) entrepreneurs look for credible advisors to setup and step up their entrepreneurial ventures. They want an assurance about advisors being governed in terms of scope of service, service quality, benchmarked fees, and grievance redressal etc. The empanelled service providers (CCCs) are expected to be proactive / responsive to MSE entrepreneurs facilitating supply side of credit with strengthened business leads/connects. This will ease / assure lending institutions/bankers on credit proposals and customers as having passed through a due diligence mechanism. Both demand and supply side look for regulated/governed advisors.

• Indian Institute of Banking & Finance (IIBF) conducts the certification course (Certificate course on MSME).

• Implementing and Registering Authority (IRA) refers to the entity which shall implement the "Framework for Credit Counselors for the MSME sector". SIDBI is the IRA for CCCs.

• Credit Counselling Institution (CCI)refers to an entity registered or formed under a Central / State Government legislation and working in the area of access to credit, credit counseling or financial literacy. CCIs shall be manned by trained professionals, certified by the Certification Agency and empanelled by IRA.

• Only individuals are entitled to be enrolled as CCCs. Graduate with finance/economics, engineering-cum-finance, commerce qualifications or retired bankers with 5 years or more experience in credit to MSMEs in India.
• Have qualified the prescribed course for credit counselors i.e. certificate course on MSME conducted by IIBF.
• Conversant with Information Technology skills along with communication proficiency and team building skills.
• Age of individuals should generally not exceed 65 years at the time of selection. Continuation as CCC, shall be subject to performance review, till the age of 75 years.
• Should not be a defaulter to any Banks / FIs or criminal case pending against him/ her or black listed/debarred by any agency. (self declaration to be furnished)
• Should have necessary infrastructural facilities to extend services efficiently.
• Will have to be enrolled on portal. Merely qualifying the certificate exam shall not allow a person to practice as CCC. He/she has to pass through the filter mechanism prescribed.

• Institutions / entities set up under Indian law are eligible to enroll as CCIs. They should have capacity, market standing, satisfactory corporate management / financials and footprint in financial/banking operations.
• CCI to be in existence for 2 or more years and should have been filing Income Tax returns / reports regularly
• It should have a pool of qualified individuals (more than one), whether on contract or on regular employment, having passed prescribed certification course i.e. certificate course on MSME conducted by IIBF.
• CCI should not be a defaulter to any Banks/FIs or have criminal case pending or be black listed/debarred by any agency. (Self declaration to be furnished).
• Have adequate infrastructure both physical and soft infrastructure (in the form of faculty/professional). • Have adequate infrastructure, physical and soft (in the form of faculty/professional/equipments etc.).

• Satisfy the eligibility criteria prescribed (as given in Hand Book on CCC) for enrolment.
• Qualify the prescribed certification course i.e. Certificate course on MSME conducted by IIBF (http://www.iibf.org.in/certificate_exam_schedule.asp )
• Qualified candidates may apply through udyamimitra portal for enrolment.
• Eligible candidates would be empanelled as CCCs on portal after due diligence process

CCC is expected to guide new / existing / budding / potential /aspiring Indian entrepreneurs and providing them end-to-end solutions that may be leading to bank connect. It shall include :

• identification of aspirant entrepreneurs;
• Structuring the application with requisite documents / information
• collection and including verification of primary information/data
• creating awareness about schemes and facilities available including debt counselling
• processing and submission of applications to banks or financial institutions using online/offline lodgement tools
• assisting in obtaining disbursement including documentation, security/ charge creation, perfection and satisfaction thereof.

For detailed roles and responsibilities of CCCs, please go through the Handbook, hosted on udyamimitra portal and can be accessed with the following link. E-Handbook for CCC's

• Business correspondents (BCs) are generally appointed by a bank (under a contract arrangement), whereas CCCs shall be entities to act as customised matchmaker between MSMEs and Banks. BCs also facilitate borrowing whereas CCC shall exclusively facilitate the credit connect.

• Yes; services of CCCs shall be chargeable (within the benchmarked fee structure) unless subsidised by some agency.