Credit Guarantee Scheme for PMMY & PMJDY Loans

For This Scheme:

1. NCGTC will create and make available a portfolio where MLI can upload his correspondingloan information for which he seeks credit guarantee cover

2. Platform provides following Types of Portfolio:i. Current FY Portfolio (for loans sanctioned in current FY)ii. Retrospective Portfolio (for loans sanctioned in previous FY since scheme start date is 2015)

3. Two types of File Layouts are permitted – New Loans and for updating the existing loan informationRefer - http://surge.ncgtc.in/mudradownloadtemplates.html for these layouts

http://surge.ncgtc.in/mudradownloadtemplates.html

1. For Any Portfolio: …contd

2. For Current Portfolio: i. Initial state will be from Base period Q1 to Q4 depending on the quarter in which it is createdii. Will have Base Period Billing to start with and consequent billing cycles as per the progression

3. For Retrospective Portfolio: Initial state will always be Base period Q4i. Initial state will ALWAYS be Base period Q4ii. Will ALWAYS have Base Period Billing and Currency Period Billing (this will be one to multiple times upto three depending on portfolio start date and current date)

Base Period Billing

CRYSTALLIZED the portfolio

Transit to Currency Period

Currency Period Billing

- New Loans & Update Information Allowed

- Billing is at end of each Quarter

- Billing is for Broken Period

No File Uploads are allowed

- Only Update Information File is Allowed

- Billing is Advanced billing

- Billing is for Entire FY

MLI’s to click on this Link

http://ncgtc.in/

Here ‘Maker’ appointed by MLI Logs

into the system

MLI to click –Input File

Management

Choose Portfolio for uploading the

input file

Update Loan Information

There will be Portfolio’s for Retrospective

AND/OR Current Year’s

SELECT THE REQUIRED PORTFOLIO

Loan Information

MUDABCD20161017C

Now Choose A File (XML)

Update Loan Information

MUDABCD20161017C

Explorer Opens –Choose the

requisite file

MudraLoan….xml

Upload this file

MUDABCD20161017C

Update Loan Information

• Till portfolio CRYSTALLIZATION & for Current FY Portfolio MLI’s can upload files to include new loans and/or update existing loan information

• After CRYSTALLIZATION only updates to existing loan is allowed

MUDABCD20161017C

Update Loan Information

0.00 0.00

MUDABCD20161017C

Validated

File has been validated

Look Here for Stats. Note that Cover and Fee is

Zero

Update Loan Information

0.00 0.00

MUDABCD20161017C

Validated

Send to Approve this File

Update Loan Information

0.00 0.00

MUDABCD20161017C

ApprovalAwaited

Update Loan Information

MLI Approver Window/Screen

GO to Approve Input File Link

0.00 0.00 0.00

Click on ‘Submit’ Button

mudrav3.xml

0.00 0.00

Here, he can Approve/Reject

the file for further

submission

mudrav3.xml

Update Loan Information

If, Approved – he needs to provide his approval for

mgmt. certificate as well

Update Loan Information

Here he can view/print the

mgmt. certificate

0.00 0.00

MUDABCD20161017C

Guarantee In Force

After Approver ‘Approves’ –

System Processes the file and issues

CG(Maker Screen)

Update Loan Information

Go to Payment Management to

make payment to issue CG

NMUD201610170

Select this link to proceed for

payment

Mudrav3.xml 28/03/2016 10:45

NMUD201610170

Provide here the payment

reference

NMUD201610170

After payment reconciliation

– system issues CG

Download the CG issue report and

the payment receipt

NMUD201610170 Mudrav3.xml 28/03/2016 10:45