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Particulars Guidelines
Target Group All Micro, Small & Medium Enterprises (MSME) as per extant definition of Government of India.
Purpose To meet working capital requirements
Types of Facility Open Cash Credit.


Based on the request of the applicant, a portion of the assessed limit or entire limit can be considered as Composite Loan.

Loan Amount ·         Minimum Loan Amount: Above Rs.10.00 Lakhs

·         Maximum Loan Amount: Less than Rs.50.00 Lakhs

Margin (Promoter’s contribution) Nil


Security Primary Security: Hypothecation of Stock and Book debts – based on the declaration submitted by the borrower before availing the limit and at the time of review / renewal of limit/s.


Collateral Security (immovable property / Liquid Securities):

For Micro & Small Units: Loan may be considered with or without collateral security. If no collateral security is offered, CGTMSE coverage is Mandatory. Partial security is also permitted by covering the unsecured portion under CGTMSE. Guarantee fee is to be borne by the borrower.

For Medium Enterprises: 100% Collateral Security

Repayment terms Composite Loan – 120 months without any holiday period
Processing & other charges All charges are at Card Rate

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( Last modified on Sep 03, 2022 at 07:09:48 PM )