Financial Products under UPNRM

As UPNRM envisages a shift from project based funding to policy /programme based approach, a basket of alternative financial product contours (having different tenors, interest rates, loan-grant ratios etc) are proposed instead of tight-jacket financial product with rigid features.  The financial products under UPNRM will be loan based products for the eligible sectors/ activities. These loan based products may carry some add-ons in the form of grant for skill and capacity building and some other infrastructure supports based on the merit of project. The programme intends to offer custom designed package of financial assistance comprising of loan and grant to the channel partners. The proposed basket of alternate financial products will be based on channel partners, NRM areas, financial product contours (different tenors, interest rates, loan-grant ratios, etc), TC Components (Technical standards, processes, guidelines, IKM,capacity building, exposure visits and other TC tools and methodologies), use of innovative technologies/ processes/ approaches (cluster development, landscape approach, etc) and needs of specific agro-climatic zones (Resource poor, hill areas, various agro-climatic zones).
These loan based financial products may be in the form of investment credit (Term Loan) for funding core NRM activities and short term credit for supplementary activities either under the new funded NRM projects or the existing NRM projects or a combination of both collectively under a package.

Formats for Submission of Proposal- General

Detailed Proposal

Project Background:

Organizational information:

(NOTE: This format is indicative only. All the relevant data /information pertaining to technical feasibility and financial viability of the proposed project should be incorporated in the proposal).

Project Details:

Goal: What is the overall goal of the current project?

Objectives: What are the specific objectives of this project? One paragraph describing the specific changes the project is seeking to bring about. Please distinguish between short and long-term objectives.

Target Community: Provide details of the beneficiary community including socio-economic status and coverage of weaker sections (landless laborers, below poverty line households, women)
 
Project Activities:

Please give details of the activities to be undertaken during this project. Also provide details when the different will take place, for how long, how often, and the key groups or individuals conducting them.

Key Challenges/Issues: What are the key challenges and how one has attempted to minimize them while designing the activities?

Expected results:

Developmental Impact: A description of the most important benefits that the project will provide to the local community of the region where it is located. 
Impact on the Environment: A statement on the likely consequences the proposed project might have on the local / regional environment. 
Time Frame: Give the time frame envisaged for each activity.

Programme Management: How will the project be managed? What will the system for Planning and Review of work be? Who all will be involved in the planning, implementation and review of the project?

Monitoring and Evaluation: What will be the system for the Monitoring and evaluation of the project? Describe how progress will be tracked and the outcomes of the project will be monitored. What indicators will be used to assess and measure whether project objectives are being achieved?

Financial Details of the Project:

Project Budget: A detailed break up of the total budget for the project.

Details of Means of Finance:

Financial Analysis of the Project: This would include:

1. Income statement
2. Balance sheet
3. Cash flow analysis (return on investment)

The above can be given 5 – 10 year period depending on loan duration

Assistance Sought and Use of Funds: What is the total loan requirement (What is percentage of the loan required to the entire project budget)? What will the loan amount be used for? What is the desired duration of the loan?

Grant Requirement: What is the total grant requirement (What is the percentage of the grant to the total loan request)? What will the grant money be used for?

DECLARATION
"We certify that all information furnished by us is true; that there is no overdue/statutory dues against the organization except as indicated in the application; that no legal action has been/ is being taken against the organization; that we shall furnish all other information; that this may also be exchanged by you with any agency authorized by you, may, at any time inspect/ verify my/our assets, books of accounts, etc. in our office/business premises as given above."
  For
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(Authorised Signatory)