Rajasthan Travel Guide

Rajasthan Financial Corporation (RFC)

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Rajasthan Financial Corporation (RFC) is constituted for the helping and growing of tiny, small scale and medium scale industries in Rajasthan. Contituted under a notification of the State Government dtd. 17 January, 1955 under the SFCs Act, 1951, it provides long term financial support SSI and MSI.Rajasthan Financial Corporation speeds up the development process in industrial policies and priorities of the Central and the State Governments and help them by providing immediate assistance in the planned and balanced development of industries in the State, particularly in the small and tiny sectors.

Rajasthan Financial Corporation working for the fulfillment of its prime objective to distribute loan schemes for the tiny, small and medium scale industries, many of them tailor-made for specific entrepreneurial classes. RFC also prepared to adopt as well as to adapt itself to the changing industrial needs, RFC has over the period, widened its network, multiplied its numerous schemes and added multifold to its policies and incentives, liberalising them with the need of the hour.

RFC Main Loan Schemes

1. General Term of Loan Scheme:Term loan upto Rs. 20 crore for acquisition of land, building and plant & machinery for any eligible industrial activity defined under the SFCs Act for setting up a project in the manufacturing sector including mining, wind farm and individual wind turbine generator.

2. Scheme For Service Sector

  • Hospitala and Nursing Home: Loan to cover investment in land, building, electro-medical equipments, instruments, furniture, air- conditioners, small generators etc. for Hospital l/ Nursing Homes.
  • Tourism Sector:Loan for Hotel, Restaurants, Resorts, Amusement Park, Guest Houses, Drive-in-Cinemas, Multiplexes and Tourism related activities in Rajasthan for acquisition of Land, Building, Kitchen equipments, Office equipments, AC, Interior decoration, Furniture & Fixtures, Health Club, Swimming Pool, etc.
  • Information Technology: Loan may be sanctioned to promote all type of projects/activities related to Information Technology. However, Educational/Training Institutes shall be outside the purview.

3. Scheme For Textile Industry :To provide encouragement to textile industrial units in the small scale/medium scale sector for taking up technology up-gradation. The scheme envisages interest incentive of 5% points on the loans availed by SME, however, for the spinning machinery the reimbursement will be 4% points only.

4. Saral Scheme For SME Sector- Loan from Rs. 2 lacs to Rs. 10 crore (upto the extent of 60% of MRV of land and building for FY 2011-12) is available to the existing industrial running units in the micro, small and medium scale sectors and all existing running hotels located at District Head Quarter

5. Single Winsow Schem:A scheme for small borrowers to ensure adequate finance by providing single window facility for availing of Term Loan for fixed assets and Working Capital finance from one institution only. Project cost should not exceed Rs 200 lacs.

6. Scheme For Financing Against Assets :Loan upto Rs 10.00 crores to industrial concerns of MSME and CRE Sector for meeting their industrial financial requirements provided the prime security is mortgaged to the Corporation under first charge is free from all encumbrances.

7. Scheme For CRE Projects :

  1. Loan for construction of commercial complexes, showrooms and sales outlets independent of hotel business.
  2. Financial assistance may be granted to eligible borrowers for cost of land, construction of building for housing complexes / apartments (commercial cum residential complex), acquisition of required plant and machinery / equipment like lifts, air conditioning plant and fire fighting equipments, other safety devices and also other plants and equipments required for modern type of housing complexes and flats.

8. Scheme For Qualified Proffesionals:

Assistance to qualified professionals in the field of management, accountancy, medicine, architecture, engineering, law etc. for setting up professional practice/consultancy ventures for the first time. The cost of the project should be need-based and not exceeding Rs.20.00 Lac

9. Top-Up Loan Scheme For Exisiting Borrowers :

Top-up loan on easy terms and conditions and with simplifies procedure, is available for existing financed and running units (excluding Good Borrowers and Real Estate cases) which are having standard account and repaid at least 4 quarterly installments regularly.

10. Loan to Units Intending to Switch Over Their Loan Accounts From Banks and other Financial Institution to RFC :

Loan for repayment of outstanding loan of the other FIs/ Banks and for acquisition of further fixed assets for modernisation, diversification, expansion etc.

11. Schemes For Gooa Borrowers :

Attractive loan schemes for existing Good Borrowers of the Corporation and Good Borrowers of other Financial Institutions on very liberal terms and conditions. The main schemes are as under:-

  1. Short Term Loan : Speedy sanction and disbursement for expansion, modernisation, replacement, diversification and purchase of balancing equipments.
  1. Unit Promoted by Good Borrowers: Financing for new unit promoted by the existing good borrower on attractive rate of interest.
  1. Working Capital Term Loan: For providing working capital term loan to meet out the gap in their working capital requirement and the available bank limit.
  1. Working Capital Term Loan To Non Assisted Units : For providing working capital term loan to meet out the gap in their working capital requirement and the available bank limit.
  1. Special Working Capital Term Loan : For acquisition of diamond blades and / or segments, Back-up roll, work-roll and bearings, replacement of card clothing, replacement of machinery part of textile unit and SS rolling mills etc.
  1. Gold Card: Speedy and easy sanction for acquisition of fixed assets and/ or meet out working capital requirement.
  1. Platinum Card: Speedy and easy sanction for acquisition of fixed assets and/ or meet out working capital requirement.
  1. Flexi Loan : A unique scheme for the good borrowers where Corporation shall provide financial assistance totally flexi in nature i.e. the loan sanctioned can be withdrawn and deposited within LDR any number of times to meet immediate requirement either for acquisition of fixed assets, working capital or for both without going into detail appraisal.
  1. Flexi Loan For New Borrowers : A unique scheme for the non assisted having proven track record, where Corporation shall provide financial assistance totally flexi in nature i.e. the loan sanctioned can be withdrawn and deposited within LDR any number of times to meet immediate requirement either for acquisition of fixed assets, working capital or for both.

12. Special Loan Scheme for marble Processing Units having import licence

The Government of India has recently issued Import License to selected marble processing units for importing marble blocks. Import of marble blocks requires huge capital involvement in terms of working capital to meet out cost of raw material, transportation, processing, trade credit cycle etc.

Considering the requirements of the existing borrowers having license for importing marble blocks and also the feed back received from the field offices, it has been decided to launch a new scheme namely Special Loan Scheme for Marble Processing Units having Import License for providing financial assistance to marble processing units having import license. The purpose of loan shall be for importing marble blocks, for creation of fixed assets (or both), transportation, processing etc., In addition to our existing borrowers, financial assistance shall also be considered to the units who intend to switch over their loan account from other FIs/Banks and are having Import License. Under this new scheme no detailed appraisal shall be undertaken but adherence of financial norms given in the scheme is to be ensured.

Note: Above contents are for general information and may not be considered as norms for sanction of loan

Rajasthan Financial Corporation Important Parameters


  1. Financial assistance ranging from Rs 2000 to Rs. 20.00 crore.
  2. Joint projects with other FIs, Commercial Banks and RIICO

Loan Limit:

Proprietary and Partnership Units/ Trusts Upto Rs 8.00 crore
Companies & Co-operative Societies having net worth not exceeding Rs 30.00 crore Upto Rs. 20.00 crore

Important Parameters:

Promoter’s Contribution Min.33% of project cost
Debt Equity Ratio Not more than 2:1
Debt Service Coverage Ratio Not less than 1.7:1

Security Margin

In General 30%
On fabricated items, dies, moulds, furniture etc. 50%

Repayment Period:

Normally 5 to 7 years, including moratorium period of 6 to 18 months, depending upon the cash generation of the project.

Intrest: As applicable from time to time.

Collateral Security : As per the guidelines and risk factor.


1. The rates of interest are as applicable from time to time and are subject to change as per norms/notification.

2. The information detailed herein is of general nature and should not be taken as the norms/rules of the Corporation for grant of loan and is subject to change without prior notice.

Government of Rajasthan has recently announced a scheme for small and mid size entrepreneurs – “YUVA UDYAMITA PROTSAHAN YOJANA” or “Young Entrepreneurs Incentive Scheme” which encourage youth who have the entrepreneurial spirit. Youths with entrepreneurial ideas and desirous of setting up an enterprise in the State can participate in a competition and avail financial assistance on easy terms and minimum rate of interest.

Main Points of Young Entrepreneurs Incentive Scheme

  • Financial assistance for projects costing between Rs. 25 lakhs to Rs. 1 Crore
  • Loans upto Rs. 90 lakhs
  • Minimum promoter’s contribution 10%

Selection Procedure for YUPY Scheme:

  • Online application
  • Candidates to participate in a competition. Shortlisting by an independent panel
  • Selection based on viability and robustness of proposal

Awards and Financial Assistance in Young Entrepreneurs Incentive Scheme

  • Awards and Financial Assistance for selected 5000 proposals will be awarded Rs. 5000 each in first phase.
  • Additional Rs. 10000 as ‘hand-holding amount’ to selected candidates on submission of their detailed project report.
  • 1000 DPRs will be selected for financial assistance on easy terms & conditions.

Repayment, Interest Rate and Margins in YUPY Scheme

  • Repayment in 7 years
  • Interest rate: 7.5% p.a. (subject to timely repayments)
  • No Collateral Security

Additional Benefits

  • Winners will be facilitated in getting land from RIICO and other benefits from Government Departments/Agencies.
  • Guidance and assistance by Departmental Officers/Employees.
  • Facilitation Centres at Divisions headquarter and also at Bhiwadi,New Delhiand Barmer for benefit of aspirants.

Eligibility for Young Entrepreneurs Incentive Scheme:

  • Age limit: 35 years
  • I.T.I. / Graduate
  • Priority to first-generation entrepreneurs

No Loan Application Fee No Processing Charges

Additional Benefits of Young Entrepreneurs Incentive Scheme

  • Winners will be facilitated in getting land from RIICO and other benefits from Government Departments/Agencies
  • Guidance and Assistance by Departmental Officers/Employees
  • Facilitation Centres at divisions headquater and also at Bhiwadi, New Delhi and Barmer for benefits to aspirants

Contact :
Rajasthan Financial Corporation
Udyog Bhawan, Tilak Marg,
Jaipur Rajasthan
Phone No : 0141-2385522 (Ext. 333)
Email Id : info@rfc.rajasthan.gov.in
Website : http://rfc.rajasthan.gov.in/

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26 Responses to “Rajasthan Financial Corporation (RFC)”

Dr. Anita Rathore Says

Dr Anita Rathore… Mobile Number 9829x xxxxx… Loan Required for Establishing 161 Rooms Heritage Hotel… Loan Required Rs 20 cr

gordhan ram choudhry Says

Namst sir/made I’m interested for agro base industry my age is 51 years land for riico indrstiyal

Syed Aqeel Chishty Says

I want to make a big hotel in ajmer by purchasing house.The hotel will be a low budget hotel providing lodging to hundreds of tourist visiting ajmer dargah. Can lget finance for the same from rfc.

lekhraj bishnoi Says

Iam having a factory of manufacturing bentonite in badka Barmeer shall iam eligible for loan

Mukesh Says

Dear sir / madam I want to take loan for purpose business so request that help me and support in rfc yojana thanks

Apex Engineers Kota Says

Can we make on line payment against our loan account.

sanjay Thanvi Says

MY self Sanjay Thanvi from phalodi Dist-Jodhpur Rajasthan India and I am looking
Loan for mineral water project ISI mark.
How can I get. Pl guide me.

Kaviranajan ameta Says

Sir i want loan for manufacturing plant of cables

Yogesh Says

Sir I am a B.Tech student. I want open a school in my village.how can I got a loan.

Abdul khan Says

Dear sir
I m from bhilwara. Plz say me about the hotel rishabh’s e auction. Presently it’s available or not available.
Plz regards me.
Thank you

Jitendra Says

Sir I m an entrepreneur and I need a loan for getting started a hotel at my owned land will RFC provide me a loan n if yes what will be the rate of interest (Nett) pls revert me on my number 7737102141

Deepak soni Says

I want to start my jewellery business| Will RFC give me a loan for this

Raman choudhary Says

sir. i have a new startup but not running becoz i have not enough money. i want loan plz give me process.

vishnu paneri Says

Sir, I want to start cement’s BRIKS manufacturing business.in Udaipur.
How I get loan from machinery,& plant please inform me,thanks.
Mail Id ÷ panerivishnu@gmail.com
ph.no. – 9414703347

Hemendra singh chouhan Says

I need a loan for made a resort in jaislmer. can RFC give a loan.

Yashdeep Kothari Says

We specialize in filing business registration, tax returns, project report and final accounts for start ups. Visit http://www.taxgranth.com.

B. L. Gupta Says

I want to start manufacturing Business. How i get loan from rfc on plant and machinery.

Rajni singhvi Says

I m a lady entrepreneur. I wish to start small a/c restaurant with ten rooms on my leased property. Can I get assistance.

sachin Says

Sir. If someone fails to repay loan in time what will be the action taken by rfc to recover this loan?

rahul dev sharma Says

i want to start manufacturing business. how i get loan from rfc for machinery.

Ravi Kumar Khandelwal Says

Hi. I am a final year student of Finance at University Of Rajasthan. I would like to Intern at your organisation. Kindly revert, thanks!

satyapal singh Says

sir, Please i want start wood work .How can O get loan?Please tell me the process.


sir I am M.A. B.ed.and presently running a secondary school in my village govati (sikar) I have 5000 square feet land.how can i got loan for school ?please tell me process of loan.


Sir I am M.A. Bed but I want to establish an ITI institution.How can O get loan?Please tell me the process.

Savita meena Says

Sir I am MA Bed St female I want to start a school in my home town bandikui and I have land of size 4700 squre feet .how can I got a loan or if the school is not permissible then for what I can get loan with this qualifications

manish goyal Says

Sir i want goods borrows…sir mujhe aapse loan kaise mil sakta hai….