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Eligibility Criteria:

The borrower/ unit shall be any legal entity, conforming to MSME classification guidelines.


  • Working Capital requirements, both fund based and non-fund based.
  • Working Capital requirements.
  • Establishment and/or improvement of the unit, repairs & renovations, acquiring machineries/vehicles/ equipments/ any fixed assets for the unit.
  • Purchase/acquiring of property (shop/factory/godown /office) for self-use.

Amount of Finance:

  • Maximum up to ₹1500 lakh.
  • In case of loans eligible to be covered under CGTMSE, maximum up to ₹200 lakh, subject to certain conditions and loans upto ₹10 lakh is collateral free.
  • Purchase of vehicle up to ₹100 lakh.

Tenure of Loan:

  • Working capital OD - up to 18/15/12 months, DPN - 34 months.
  • Term loan up to 120 months.


  • Hypothecation of stocks/book debts /assets acquired/Mortgage of business premises or property acquired out of loan amount.
  • Collateral security of properties to be obtained shall not be less than 60% of the exposure and a Guarantee/co-obligation of a suitable third party.


  • OD/BPC/BG/LC/DPG: As per rules.
  • Others: In equal monthly installments + Interest as & when debited OR in EMI.


  • BG/LC/DPG: Cash margin of 25% of the loan amount.
  • New vehicles/Equipment’s/Projects/Others : 15%- 30% on the cost.

Rate of interest:

As per EBLR Guidelines.

The above information is subject to terms and conditions.For more details, please contact the nearest Branch