M/S S. S. Enterprises (Prop. Mrs Sumita Sarkar) got the loan through bank through offline mode. The Bank respond to her project postively and sanctioned loan to her under Stand Up India scheme. The unit is engaged in Trading of Ferrous and Non-Ferrous Items. Initially there was problems for Marketing of these products but with the help of local businessman, she overcome it. She has employed one person directly in her unit. The unit is doing financially well. The Turnover of the a/c is Rs. 33.77 lakh since opening and Profit is being made @ 2% to 3% of Turn Over.

Harnessing Portal Functionalities Mr. Biplab Das is from a needy family and has suffered a lot since his childhood. His father had a very small retail counter of selling daily essential commodities from home. Shri Das, due to poverty, negligence, could not complete his studies and started to assist his father. But, to have a permanent identity, he finally decided to establish a shop of retail selling of rice, dal, wheat, other stationery & grocery items in local area. He also wanted to sell rice, wheat etc. in wholesale. Luckily, he got a chance to purchase a shop of Municipality at RB Avenue, Bhadreswar, at a concessional rate. Then, he applied to Bank of India, Bhadreswar Branch, for financial assistance to start his new business of retail selling of grocery items. The Bank gave full support to him. Shri Das submitted his proposal & application for loan of Rs. 10.50 lakh (composite loan - Term Loan+ Cash Credit Loan). He brought in 25% of the project cost as margin for this loan. At first, the Bank helped Mr. Das to login on standupmitra portal for filling up online application on August 26, 2016.

Ms Sapna has a dream to open a small restaurant in Lucknow. The dream was converted in to reality with Bank Of India Chinhat branch. The branch has supported fully in fulfilling her dream. When She heard about PM Stand up India scheme she approached the Chinhat branch of Bank Of India. The branch officials went through her project of restaurant and allied activities business and visited the site. The branch extended full co- operation to her and on 27-10-2016 her dream becomes true. She was Very thankful to the bank and Stand Up India Scheme. Today she is running successfully the restaurant in Lucknow.

Mrs. Bharti w/o Anil Raghuwanshi, aged 36 years, is a sole proprietor of the firm M/S Tashu Marketing. She is permanent resident of Indore, presently residing at family owned house situated at 64, AM Sukhliya, Indore. She is an experienced and laborious entrepreneur and wants to set-up a unit for flex printing, lamination and vinyl printing at a rented premises situated at G-1 Manorama Apartment ,ED-62, Scheme no. 94, Ring Road,Indore. Mrs. Bharti Raghuwanshi wishes to set-up a unit of flex printing, lamination and vinyl printing and requires Term Loan for purchase of machines and other equipments and Working capital to run the business. Hence, she has approached us for sanction of limits under Stand up India as well as Govt. sponsored scheme Mukhya Mantri Yuwa Udhyami Yojna. Due to this she will be benefited with margin money facility also. Bank of India AB Road Indore is handholding the new entrepreneur and evaluate the possibility of the business and sanction a term loan of Rs.18.15 lakh and working capital of Rs.3.00 lakh on 28.09.2016 under SUI as well as MMYU. She started her business with the help of her husband Mr.Anil Raghuvanshi who is having good marketing experience . She deployed 8 persons directly and others as per requirement. Her firm having work orders from big houses like VOLTAS, Bata, hp, dwell. Lewis and Aashirwad pipes etc. She also get benefitted by the bank as she get 1% concession under Priyadarshini scheme. Presently she is running her business successfully. Entrepreneur contacted bank branch and they were give handholding support and accept their proposal in appositive manner. No such problems arise in the same. In this project direct employment given to 8 people and others indirect as per demand of work. Uniqueness of the project are hi-tech vinyl printing machineries with multi color printing work for the customers.

SMT NADIMINI BALAMANI HAD FLOATED A NEW SHOP IN THE NAME OF SRI VENKATESWARA HOME NEEDS. SHE IS HE PROPRIETORIX OF THE FIRM. . EARLIER SHE HAD EXPERIENCE OF BRINGING ARTICLES AND SELLING THE SAME FROM HER HOUSE. SHE PROPOSES TO EXPAND THE BUSINESS AND APPROACHED BANDLAGUDEM BR. BRANCH SUPPORTED HER VISION. SHE HAD STARTED A NEW BUSINESS OF SELLING DOMESTIC APPLIANCES BY AVAILING TERM LOAN . WITH THE ESTABLISHMENT OF NEW UNIT AT LOCAL COLONY, SHE ESTIMATES AN ANNUAL SALE OF RS.30 LACS. HER HUSBAND IS A MECHANIC AND HAVING GOOD CONTACTS IN THE LOCAL MARKET AND KNOWLEDGE ABOUT LOCAL NEEDS. SHE EXPECTS HER INCOME WILL SHORE UP AND CONFIDENT OF ENHANCEMENT OF LIVING STANDARDS. BANK MANAGER AND STAFF ARE CORDIAL AND QUICKLY PROCESSED THE APPLICATION AND SANCTIONED NEED BASED LOAN WITHOUT ANY COLLATERAL SECURITY.

Ms. Manju Chandak alongwith her husband had approached Central Bank of India, Sausar for Stand up India loan for herself. The Bank Officials were very cooperative according to her. There was some margin money issue which was finally managed by some of her friends and relatives. Thus she was successfully disbursed SUI loan for Rs. 49.90 lakh for setting up her business activity as Bichhayat Kendre (providing Tent House and other equipments required for marriage and other functions). Subsequently, she has employed 5 women and 4 men to manage her business activity smoothly. Thus she has directly provided employment to them. She is also taking continued services for each function from many others like rickshaw puller, auto driver, carpenter, welding person, electrician etc. thus providing employment to them too. She is also planning to start a hotel in near future as Sausar has been identified for SEZ and it is learnt that many factories are likely to come up in the nearby area of AKVN Boregaon. She has expressed her gratitude towards the Union Govt. for coming up with Stand Up Scheme for upliftment and empowerment of women and also to Central Bank of India employees for their kind cooperation.

MRS ASIYA BIN GULSHAN IS ASSOCIATED WITH THE WORK OF EVENT CATERING. SHE PROPOSED TO START HER OWN BUSINESS OF SUPPLYING CHAIRS, UTENSILS FOR VARIOUS FUNCTIONS. SHE APPROACHED CHARMINAR BRANCH FOR SANCTION OF LOAN. HER HUSBAND IS ALSO UNEMPLOYED AND COME FORWARD TO ASSIST HER IN THE BUSINESS. THEY WERE SANCTIONED TERM LOAN AND WORKING CAPITAL TO MEET DAILY EXPENDITURE. PROPOSED UNIT IS LOCATED AT PRIME AREA AND THERE ARE NO UNITS OF SIMILAR ACTIVITIES. SHE IS CONFIDENT OF SUCCESSFUL IN THE NEW BUSINESS.

Mrs. Suma K T was engaged in production and manufacture of paper cartons and paper products. But, due to heavy competition in this field, she was unable to achieve decent profits. She then approached us for modernization of the unit by installing the latest state of art technology laser cutting machines, which would diversify and enhance the quality of the products produced. The latest and best dye cutting machines offered much more versatility than their predecessors in terms of cutting power. Dye cut cards are capable of much broader range of projects. Laser cutting is a quick and easy process that can be used for processing paper, paper board and cardboard for digital printing, for packaging prototype construction, model making etc. Laser cutting machines allow cutting of even the most delicate paper forms and also for engraving logos or pictures. Demand for paper products especially paper cartons have been increasing over the years and the promoter foresees cast opportunities for the business. The unit has an established clientele and the promoter with her vast experience in the field is confident of success in achieving the targets estimated. She was holding the required licenses and registrations for dye making, lamination, craft paper cutting etc. The proposal was for term loan of Rs. 75 lakhs for purchase of Laser cutting machine and Auto Rule processor costing Rs. 9968747.00 and working capital limit of Rs.10 lakhs for procuring raw materials. The proposal was considered favorably, pre sanction inspection conducted, assessment was made and loan was sanctioned for Rs. 75 lakhs term loan and Rs.10 lakhs working capital limit. Machine installation was completed in October 2016. Trial runs made, but desired results were not forthcoming. Expert technicians from Coimbatore were summoned, who worked on the machines for few weeks and slowly desired end products were achieved. Now, Mrs. Suma is having several orders on hand. She has commenced repayment of the loan and is a successful entrepreneur.

Employee to Entrepreneur Mr. Ajay Kumar, a rural youth of 26 years, did not compete his 12th standard. Beaten by poverty and continuous distress, he had lost hope for better life. He joined a packaging industries as a Production Supervisor for seven years on a meager salary for Rs.12,000/- per month. But he wanted to be independent and had dreams to start his own venture. In the meantime, Govt. has announced Stand up India Scheme for SC/ST and Women beneficiaries and he could think of being an entrepreneur. He had undergone a training in entrepreneurship development. The training inputs indeed provided an effective platform for Ajay to know more about entrepreneurship. The training programme was turning point in his life which helped him to start a unit for manufacturing fancy corrugated box for which he took a loan of from Dena Bank, Valsad branch under Stand up India Scheme. Shri Ajay has provided employment opportunity to 21 persons. The monthly turnover of the firm is Rs.17.00 lakh. He is purchasing row material of corrugated sheet @ Rs.26 per kg. then making of corrugated Box. The selling rate of corrugated box is Rs.34 per kg in this scenario net profit after conversion is around Rs.2 per kg. He has reached monthly production of 50 ton of corrugated boxes and is getting net profit of Rs.1,00,000 per month. In need of regular income to feed his family, he has applied for purchase of Machinery and raw materials for cartons for packaging loan at Dena Bank Valsad Branch under Stand up India scheme.

Mr Reji Rajan , an young enthusiastic entrepreneur, hailing from a small village in Trivandrum district has approached our Uchakkada Branch for a loan of Rs.10.00L for starting a Mechanic workshop cum sale and service of TVS spare parts and Passenger Autorikshaw. The applicant directly approached our branch .On conducting primary enquiry and due diligence ,Branch has identified Mr.Reji Rajan as an eligible SC category beneficiary and considered the loan under Stand up India Scheme. Branch inspected the proposed unit and unit is located in Neyyattinkara –Kalaikavila National Highway where ample scope exists. Bank was always positive for developing the business abilities in the entrepreneur.With the help of our Bank’s finance, he has established workshop and started sale of Passenger Auto and auto spare parts. Since Aam Admi (Common Man) frequently depends on 3 wheeler for travelling, on an average he is expecting sale of 7-10 autos per month and good opportunity exist for services as well. With the help of Stand-up India loan, he could able to generate employment for 6 more persons. He believes a happy customer will always bring 3 new customers, hence he always tries to provide quick services and assistance to customers even till completion of registration of vehicle. He is maintaining good follow up with his existing customers and he used to sale all TVS spare parts . Mr.Reji Rajan has expressed immense thankfulness to Govt. of India’s Stand up India scheme and Bank of India, for playing a significant role in uplifting the entrepreneurship abilities of Backward community.

Enterprise at Village Level Proprietor of the firm is Mrs. Swati Rahul Dhundale, she is belong to schedule cast, her husband, Rahul Dhundale is working as a teacher in private school. Since Rahul Dhundale working with private sector they were facing problem of rigidity of the job. Hence they both decided to start something which is under their capacity and familiar with the project. Since they are staying in village they are familiar with agriculture field. Hence they have decided to start grain filter. They approached our branch for loan amount of Rs. 10.00 lakh to purchase machinery. They are purchasing grain from farmer and after filter and gradation they are selling with higher rate and earning good profit.

M/s. Shree Raj Impex - Proprietor Smt. Sonalben Sureshbhai Rupara Smt Sonalben Sureshbhai Rupara residing at Radhe Residency, Utran, Surat applied for purchasing of embroidery machines for production work to be set up at Old GIDC, Katargam, Surat under Stand up India Programme. Smt Sonalben Sureshbhai Rupara applied online in Stand up India portal and tthe bank picked up the application from market place. The total financial assistance given to her as term loan of Rs. 39.00 Lacs as per her requirement. The entrepreneur is successfully running the embroidery unit and generating sufficient cash flow to regularly serve interest and installment also providing employment 5 to 8 persons in her unit.

MY DREAMS LADIES & KIDS GARMENTS(BOUTIQUE CENTRE), KUMBANAD Smt. Aleyamma Chacko,the sole proprietor was doing tailoring unit at Kumbanad.She has approached us and enquired about the possibility of staring a Boutique centre exclusivley for women and children at Kumbanad. She was quoting the success stories of many women entrepreneur in this regard. In fact what attract us most is her eagerness for independence and also her desire to give jobs to poor women. Unfortunately during the initial time we were unable to help her due to lack of collateral security.Even then she has decided to start the boutique centre and arranged a leased shop and done interior design for the shop.By that Prime Minister has announced the plan of starting a new project of Stand up India Scheme. Immediately we have informed Smt. Aleyamma Chacko and she was happy to start the venture. She had already spend nearly 8 lakh rupees for interior and we have taken the sum as margin money. We have sanctioned an amount of Rupees 15 lakh for the project and nearly 3 women are working in the shop. Today we have again met her and informed that we are sending a profile of her to our zonal office including the success story. She has informed her future plan about starting a manufacturing unit of Ladies Skirt & Night dress.Smt. Aleyamma Chacko also inform us that because of timely help from our Bank that she could do all this and future plan will start only after streamlining of the present Unit. She informs that she could give job to atleast 7 women if all the plan comes true. Like the units name we also blessed her that ,her Dreams will come true once

Shree Murti had approached our Bank for starting of his own Small scale trading business. Branch had sanctioned a loan of Rs. 50 lacs to him. Due to timely financial assistance, they will able to increase their business. This results into giving jobs to more people & helps our PM NarendraModi’s mission of skill India & encouraging SME Sector.

Finding Avenues for Growth Due to lack of resources she could not realise her dream of owning a business. Many a times banks have also hesitated to offer loans for the prospective entrepreneurs. One of her friends told her about Standup which can fulfill her dream of owning a business. The Bank helped her to get all the solutions to achieve her dream by handholding her. Bank officials responded quickly and guided her for the procedures to avail finance for the plant and machinery and working capital arrangements. The unit has started manufacturing wheat flour with the brand name "Premvati". The Product is manufactured in 5 Kgs, 20 Kgs, and 50 Kgs packing sizes. Besides finance, other problems were related to finding a place for a set up. The same was solved after constant searching of the place in the vicinity of Amreli. The promoters contribution was arranged from friends and relatives. Total employees engaged in the unit till date are 7, and there will also be addition to it once the unit will run on its full capacity. Currently the business turnover, profits, orders etc are coming as per projections. I am thinking of diversification and adding products of corn flours and its waste for cattle feed. Loan of Rs.20.75 lakh has been sanctioned under credit guarantee scheme and no collateral security has been taken by United Bank of India, Amreli Branch.

Name of enterprises Surekha Suresh Chopde State of borrower Maharashtra District of borrower Mumbai Suburb Amount sanctioned Rs.11.00 Lac Industry Textile- Boutique Bank name Punjab National Bank Scheme Standup Branch name Panvel we got a lead for Standup India proposal of Mrs. Surekha Rajesh Chopde, a housewife belonging to Schedule Cast category. She wants to establish her own business by starting a boutique for stitching of ladies garments. We sanctioned a working capital for an amount of Rs.11.00 lacs under standup India scheme. At present she is making profit from the business and will be a successful entrepreneur in Future.

Mrs. Geetha – Proprietrix is running the business.

Mrs.Kiran Bala Valecha, (Prop: M/S Simran Furniture Mart) w/o Sh.Sunil Kumar, resident of H.No.1028, Sector 14, Sonepat, Haryana, wants to start manufacturing and trading of wooden Furniture business. She has completed her graduation in Arts and having business outlook and entrepreneurship. Her husband Sh.Sunil Kumar, is in the line of Saw mill business. As his wife is showing interest in making and trading of wooden furniture items, they have approached our Sonepat Main branch for financial assistance. They are also having their own business place which is on the market road. The officials of the branch have visited their residence and business place and made local enquiry about their credentials and found satisfactory. Keeping in view the business prospectus and satisfactory credentials of the applicant, the branch sanctioned term loan of Rs.11.00 lakhs on 10-06-2016 under stand up India Scheme with activity of manufacturing and sales of wooden Furniture items. Mrs.kiran Bala Valecha, Prop:M/s Simran Furniture Mart, has proved herself as a successful woman in establishing the unit and running the unit successfully and servicing the bank term loan promptly. This is a glaring example of women empowerment and fulfilment of basic idea of Stand Up India Scheme evolved by Government of India.

The partners of M/s A AA Associates who are trading in Pathanjali products have approached us for a loan of Rs.10 Lakhs and the same was sanctioned by us under Stand Up India during September 2016 as per their eligibility. One of the partners Smt.A.Karthika is a Post Graduate in Management (MBA) and a hardworking and women of simplicity. They started the business with a capital of Rs.5,00,000/- on hand and now the turnover has increased to Rs.30,00,000/- to Rs.40,00,000/- per month. Mrs. Karthika is an young and dynamic personality with very good marketing skills. She sets her goals and strategies and works out effectively. They are pleased with the support of our Kovilmedu Branch team. They have got the distributorship of Pathanjali products for 4 districts recently and now submitted their proposal for a loan of Rs.6 crores which may be sanctioned very soon. We highly appreciate the initiative taken by Mrs.A.Karthika to improve her business to a greater level. Also we wish to add that she has been evincing keen interest in adding good number of valuable customers to our branch. Mrs. Karthika has introduced Mrs. Yogambal partner of M/s Green Organic Stores for whom we are advancing under Stand up India. Mrs..Yogambal one of the Trustees of Brindhavan Matriculation School has given her consent to open the school account , staff salary accounts around 70 numbers , and students scholarship accounts with our branch.

Prop. Mr M Anjaiah has obtained the dealership of Cement & White putty. He would like to establish the new unit at Ashoknagar which is a residential and commercial establishments situated. He had approached Ashoknagar Branch for sanction of a loan of Rs.10 lakhs. Branch had sanctioned a Term Loan of Rs.10.00 lakhs.