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Terms and Conditions

A high percentage of rural youth today find it difficult to get good jobs and starting a business venture is very difficult for them as financing their venture is a big hurdle.

Desi Skills is on a mission to create over 6000 entrepreneurs in Karnataka by providing them with a fantastic opportunity to start Gramodhaara Kendra’s in their Gram Panchayats and earn better than their city counterparts. Also to ensure that the Kendra’s can be started and run efficiently without the burden of having to arrange financing for the venture, Desi Skills has tied up with various financial institutions/co-operative banks for hassle free loan process to eligible candidates.

Desi skills urges you to make use of this once in a life time opportunity for a bright and successful future.

Sl. No.DescriptionsClarifications
01Name of the ProjectGramoddhara Kendra
02Value of LoanRs. 1,50,000/- (Rs. One Lakh fifty thousand only) Minimum
03Mode of RepaymentEasy Monthly Instalments (EMI)
04Duration of Loan Approval30 working days – after successful registration and submission of relevant documents
05Name of the banks of loan facilitatorsAny nearest Nationalized, Cooperative and Private Banks
06Minimum Qualification2nd PUC
07Maximum number of applicants per Gramoddhara Kendra10 Members

Eligibility Criteria and Process Calendar

  1. Once registered submission of “Project Report” is mandatory with prescribed format. Desi Skills will assist you in Project Report which subject to your Survey Report qualities
  2. Once it is approved, 1 or 2 persons need to give “SURETY” for your loan which is very mandatory.
  3. Your loan approval is depends on your background and other connected information which is connected to scrutiny by the organization and the respective banks.
  4. No guarantee for who all applied for the loan, it is purely depends on your documents as well as background verification.
  5. The Gramoddhara Kendra will be awarded to 1 person who availed the loan by conducting an interview at Head Office. Interview will be conducted to check your capacity and other connected qualities.
  6. The Organizaion is reserving all rights and permission to award Gramoddhara Kendra. Management decision is always supreme in this regard

Eligibility Criteria for Guarantor who gives Surety for your loan.

  1. Should be having valid ID proof, Address Proof and PAN card.
  2. 2. If they are employee of an organization/company/consortium or others, they should be having a monthly salary of not less than Rs. 15,000/- with supportive documents.
  3. 3. If they are self-employed need to produce previous 2 years copies of IT returns.

Details of Loan Value (In Rs.)
Total Amount – Rs. 1,50,000/- (Minimum)

Sl. No.AmountDescriptionOthers
  1. Bio Metric Device
  2. Computer (i3 Configuration)
  3. UPS (with minimum 4 hours capacity)
  4. Printer (Ink Tank) which includes scanning facility
  5. GST Registration
All are hypothecated to bank which awarded the loan to candidate.
0240,000/-For all products of Desi Skills (Every week need to send the Purchase order without fail by processing the pre-payment)Once the Kendra is awarded the details will be provided in Annexure
0318,200/--Franchise amountRefundable Subjected to financial exit policy
0410,000/- + GST =11,800/-Service ChargesNon Refundable.
0510,000/- For the purpose of Bharathiya BankingWill be deposited in to Wallet.
065,000/-Processing and Documentation charges of respective bankWill be deducted from the bank itself.
0725,000/- Interior design
085,000/-Shares and debentures

-:Special Instructions:-

  1. Turnaround time has been fixed to open the Kendra and submission of documents, should be completed within the time frame without fail.
  2. Once registration is completed, need to communicate only with SNEHAVANI @ 080-67352356 and avail more details.
  3. If you receive a call from the Organization or Bank, information should be provided without any delay or useless reasons.
  4. If you have any clarifications about Deposit or Money, clarify the same before signing in.
  5. Need to communicate only with registered mobile number which was provided at the time of registration.
  6. The Gramoddhara Kendra shall run under “Franchisee Agreement” which contains the terms and conditions of organization.
  7. The registration shall be done through www.desiskills.org which is official portal of Desi Skills. If through any other portal, organization is not responsible for any miscreation.
  8. The registration charges shall pay only through Credit/Debit Cards or Online Banking. No other modes are acceptable.
  9. The interest rates are purely as per respective banks norms.

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