Nomination Form 2023

Connect @ gaurav.chaudhaary@assocham.com

MSMEs Enablers
(Bank’s/NBFC’s/FinTech’s/Facilitators)

MSMEs Enablers Categories: (Please choose)

√ Best MSMEs Bank
Best SME Lending
Excellent Service
Best Fintech Company in MSMEs Financial Solution
Best Technology Enabler of the Year
Market Intelligence Facilitators of the Year

Name of the Company: Tamilnad Mercantile Bank Limited

Name of contact person: Mr.P.Suriaraj
Name of CEO/Managing Director/ Proprietor of the Company: Mr.S.Krishnan
Address: Head Office, 57, V.E.Road, Thoothukudi – 628 002
Mobile No: 98421 10149
Email Id: operations@tmbank.in
Website: www.tmb.in
Year of Incorporation: 1921
Company Registration No: L65110TN1921PLC001908
GST No: 33AAACT5558K1Z4
Is the Company a Member of ASSOCHAM
Yes
 No

Sector of operation (Manufacturing or Services):

The Associated Chambers of Commerce and Industry of India

 Business Entity: Type of Ownership
Sole-Proprietorship (Single Owner) / One Person Company (OPC)
Partnership (Two or More Owners)
Limited Liability (LLP)
 Pvt Ltd
Other

MSMEs Bank of the year

1. Segment (Please tick as applicable)

Public Sector Bank

 Private Sector Bank
Co-Operative Bank
NBFC

2. Year of Establishment - 1921

3. Total Bank Branches - 509

4. Total SME Branches - 88

5. Do you have dedicated RMs or provide Doorstep Banking to MSME:

We are providing Doorstep banking to all our customers and not restricting to
MSMEs. More so, our branch heads are the dedicative RMs to take care the
need of all the MSME customers.

6. Are SMEs your primary target customer in your market?

 Yes
No

7. What is your target market in MSMEs?

 Micro
Small
Medium

8. What is your market share in the MSMEs market?

The Associated Chambers of Commerce and Industry of India

  Upto 10%
10% to 20%
20% to 30%
Above

9. How much lending to MSME during last three Years

No of Amount in
Accounts crores
31.03.2020 53823 10706.08
31.03.2021 66972 12325.54
31.03.2022 66844 12615.19

10. What is the average growth of MSMEs Lending during the last three
years? (Please tick)

 Upto 10%
10% to 20%
20% to 30%
Above

11. What is the average growth of micro lending during the last three years?
(Please tick)

Upto 10%
 10% to 20%
20% to 30%
Above

12. What is the status of MSME NPA during last three years?
31.03.2020 31.03.2021 2022 till current date

₹ 321.38 crores ₹ 563.47 crores ₹ 218.15 crores

13. What is the MSME NPA growth during last three years, Average?
Upto 10%
10% to 20%
20% to 30%
Above
 For the FY 2020-21, there was increase in NPA @ 75.33% and for
the present year there was decrease @ 61.28%.

The Associated Chambers of Commerce and Industry of India

14. What is the percent of MSME Portfolio of the total bank's portfolio? (100-
150 words)
MSME Portfolio represents 36.98% of our Bank’s total Portfolio as on
31.12.2022.
Categories
Micro Enterprises
Small Enterprises
Medium Enterprises
Renewable Energy
Social Infrastructure
Micro Enterprises (Service)
Medium Enterprises (Service)
Medium Scale Industries
Total MSME
15. What are the new schemes launched for MSME? Name top 5 products.
Give details: (100-150 words)
Name of the Schemes
TMB-MSME
TMB – Micro Entrepreneurs
TMB- Pharma Trade Finance
TMB- Traders & Serives
TMB - Vyapari
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Advance as on
31.12.2022 (in crores)
8996.35
3029.29
759.03
15.25
7.71
8.49
10.03
43.93
12870.08
Comments
To provide Bank Credit to MSME at liberalized terms
towards Working Capital and Term Loan for acquiring
fixed assets.
The Loan will be granted to meet Working Capital /
Capex requirements of Micro (Manufacturing)
Enterprises. Under Pradhan Mantri MUDRA Yojana,
three categories of loans will be disbursed viz,
“SHISHU”, “KISHORE” and “TARUN”.
SHISHU: Covering loans up to Rs. 50,000/-.
KISHORE: Covering loans above Rs. 50,000 and up to
Rs.5 lakhs.
TARUN: Covering loans above Rs.5 lakhs and up to
Rs.10 lakhs.
To meet the Working Capital requirements of Whole
Sale Dealers and Distributors engaged in the Business
of Pharmaceutical Products.
To meet the Working Capital / Capex requirements
(including construction of Shop / Office Building,
Interiors etc.,) relating to the Business of Retail and
Whole Sale Traders, Micro and Small (Service)
Enterprises, Small Business, Professional & Self-
Employed persons.
To meet the working capital / capex requirements
(including construction of shop/ office building, interiors,
etc.,) relating to the business of Retail and Wholesale
Traders.
16. What is the current average interest rate for MSME Units?

Our Bank current average interest rate of MSME Units is 10.46%.

17. What is the current average processing fee for MSMEs?

Term Loan: -
1.00% of the Limit sanctioned plus Taxes as applicable.

Working Capital: -

For New Limit & Enhanced portion. In case of Enhancement 0.50% of the Limit
sanctioned plus Taxes as applicable.

For Renewal of Existing Limit & Existing Limit portion of Enhancement 0.25% of
the Limit sanctioned plus Taxes as applicable.

For take over accounts, we are according NIL PPC and for fresh disbursement
during Campaign period 50% concession in PPC is permitted.

18. What is the value of PAT in the MSME portfolio and has it grown
compared to the last year?
Profit After Tax in MSME portfolio is ₹863.59 crore as on 31.03.2022 and it has
grown by 4.06% comparing to previous year.

19. What is the status of accounts under Rehabilitation / Restructuring for

MSME sector during the last three years?

31.03.2020 31.03.2021 2022 till current date

Rehabilitation – 1090 Rehabilitation – 954 Rehabilitation – 2752
accounts & ₹224.17 crore accounts & ₹152.51 crore accounts & ₹353.92 crore
Standard Restructure – Standard Restructure – Standard Restructure –
97 borrowers & ₹177.07 118 borrowers & ₹187.00 3093 borrowers & ₹935.15
crore. crore crore

20. What is the turnaround time for MSME customer from sanction to
disbursement?
As per our Loan policy, period of disposal of applications in respect of all
categories of loans shall be asunder.

Upto Rs.5,00,000/- Within 2 weeks

Beyond Rs.5,00,000/- and upto Rs. 1.00 Within 3 weeks
Crore – fresh limits and increase in limits
for existing units
Above Rs. 1.00 Crore and upto Rs. 5.00 Within 5 weeks
Crore – fresh limits and increase in limits
for existing units
Above Rs. 5.00 Crore – fresh limits and Within 6 weeks
increase in limits for existing units

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 For Adhoc limits Within 2 weeks

21. Whether the login password is provided to MSME Borrower for online
tracking?

Yes
 No
Bank is under process of providing online tracking for MSME borrowers
shortly.

22. Do you have pre-number computerized acknowledgement system for

Loan application of MSME?

Yes
 No

23. Grievance Redressal policy of the Bank:-

Particulars 2020-21 2021-22
Total No. of Grievances
received during the Year 24324 39682

Total No. of Grievances

resolve during the year 24057 39361

No. of Grievances
outstanding at the end of 318 321
the year
Average Time for
redressing the 10 13
grievances
Whether Bank has an
Online Grievance / Yes Yes
Monitoring cell?

24. Details of Services provided

Items Service Provided (Yes/ No) Number
Call Centre Yes 18004250426
Mobile Banking Yes 2,80,515
Phone Banking Yes 4,87,254
Kiosk Banking No -
SMS Banking Yes 29,79,972
Internet Banking Yes 2,61,048
MSME Helpline provided Yes 0461-2327264

The Associated Chambers of Commerce and Industry of India

Best Technology Enabler of the Year
A. Is your company priority to service the MSMEs

 Yes
No

B. Growth in MSMEs users in last three years

 Average growth rate up to 10%

Average growth rate above 10% to 20%
Average growth rate above 20%

C. Share of MSMEs user in last three years

 Average growth rate up to 10%

Average growth rate above 10% to 20%
Average growth rate above 20%

D. Any awareness, training and workshop focusing on MSMEs conducted

during the last three years?

 Yes
No

Market Intelligence Facilitators of the Year

A. Is your company priority to service the MSMEs

 Yes
No

B. Market Intelligence Facilitation reach

Indian Market
Export Market
 Both

C. MSMEs Share in total service provided in last three years

 Average growth rate up to 10%

Average growth rate above 10% to 20%
Average growth rate above 20%

D. Growth in MSMEs Market Intelligence Facilitation in last three years

The Associated Chambers of Commerce and Industry of India

  Average growth rate up to 10%
Average growth rate above 10% to 20%
Average growth rate above 20%

E. List of the innovative approach of Market Intelligence (Top 5)

1. MSME Login day:

The UN General Assembly in its 74th Plenary held on the 6th April, 2017 declared 27th
June as Micro, Small and Medium-sized Enterprises Day, recognizing the
importance of Micro, Small and Medium-sized Enterprises in achieving sustainable
development goals and in promoting innovation, creativity and sustainable work for all.
So we conducted MSME Login day on 27.06.2022 across our branches

2. MSME Processing Cell:

We have set up MSME Processing Cell at Credit Department Head Office for handling
MSME loan proposals originating from 88 number of MSME Thrust Branches. It is
intended that, the thrust given for growth in bank’s MSME portfolio should be
scrupulously maintained and followed up so that the credit decisions are taken with
least turnaround time and the needy borrowers are provided with timely financial
assistance without delay. MSME Processing Cell will handle all the proposals of
MSME borrowers (i.e. Fresh/Renewal/ Enhancement) submitted by the MSME Thrust
Branch directly to Head Office, which are beyond the discretionary powers of the
Regional Manager/ Branch Head. Upto the power of Regional Manager, the
concerned Regional Office/Branch Head will sanction the credit limits.

3. MSME OUTREACH CAMPAIGN” at the identified MSME Thrust Branches

To increase the Portfolio of MSME advances we have conducted MSME

outreach campaigns during the month of December 2022 and January 2023.
We have conducted campaign in 68 centres. Totally 1073 number of
prospective borrowers have attended the meetings. We have sourced ₹752.88
crore business through this campaign.

THANK YOU

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I UNDERSTAND THAT ALL INFORMATION PROVIDED DURING THE NOMINATION
PROCESS IS CORRECT. THE NOMINATION DETAILS WILL BE SHARED WITH THE
JURRY MEMBERS SELECTED BY ASSOCHAM. THESE JURRY MEMBERS WILL
MAINTAIN PRIVACY OF THE NOMINEE.

 I Agree

Terms & Conditions

• All the information received will be kept confidential and shall be used
only for the purpose of evaluation.
• Shortlisted entries may be asked to provide additional information if
needed.
• Nomination Fees
MSMEs Enablers Categories- Processing fee of Rs. 50,000/- plus GST
@18% (Total Rs. 59,000/-) per category.
• ASSOCHAM payment details
Cheque/D.D. should be made in favour of “ASSOCHAM” Payable at Delhi
If payment Through RTGS/NEFT:
Beneficiary Name: ASSOCHAM
Bank Name: HDFC Bank Ltd, 4/48, Malcha Marg, Chanakyapuri, New Delhi
110021
Saving Bank A/c: 05031110000062, IFSC Code: HDFC0004711
MICR Code: 110240432, Swift Code – HDFCINBB
• Please share the filled form and payment details to
• Gaurav.chaudhaary@assocham.com or WhatsApp at 9650776438

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