MSMEs Booklet

Foreword .............................................................................
Message . ............................................................................ 3
Bank of Baroda . ................................................................. 4
Bank of Maharashtra ......................................................... 10
Development Credit Bank .................................................. 14
HDFC Bank . ........................................................................ 17
ICICI Bank Ltd ..................................................................... 20 1
IDBI Bank ............................................................................ 24
Indian Bank.......................................................................... 34
Saraswat Co-op Bank Ltd. . ................................................ 49
Shamrao Vithal Co-op Bank Ltd. ....................................... 52
SIDBI . .................................................................................. 54
State Bank of India.............................................................. 57
Union Bank of India............................................................. 62

It gives me immense pleasure to bring you this second edition of our booklet on various
schemes offered by banks to the MSME Sector.
The critical role and place of the MSE sector in the Indian economy cannot be
overemphasized in employment generation, exports and economic empowerment of a
vast section of the population. As per data released by the Ministry of Micro, Small and
Medium Enterprises (MSME), there are about 2.6 crore enterprises in this sector. The
sector accounts for 45 per cent of manufactured output and 8 per cent of the Gross
Domestic Product (GDP). MSMEs contributed close to 40 per cent of all exports from the
country and employed nearly 6 crore people which is next only to the agricultural sector.
MSMEs primarily rely on bank finance for a variety of purposes including purchase of land,
building, plant and machinery as also for working capital and exports receivables financing,
etc. Ensuring timely and adequate flow of credit to MSMEs has been an overriding public
policy objective, and as a result, over the years there has been a significant increase in
credit extended to this sector by banks.
Sensing the importance of this sector in overall national priorities, all the banks almost
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without exception have jumped on the bandwagon of MSME financing. Banks of all hues
– foreign, private, nationalized and co-operative banks- have all brought out special
packages and products exclusively for the MSME Sector. Looking at the aggressive
initiatives of the banks, one would get an impression that there is severe competition
in the banking sector to lend to select MSMEs. However, when it comes to actual credit
delivery almost all the banks tend to be extra cautious and extra careful, making it difficult
for an entrepreneur to get funds in time. This is particularly true in case of technocrats or
first generation entrepreneurs.
CII therefore conducted a series of interactions between banks and MSMEs over the
last three years all across the Western Region.. At every such Meet, it was observed
that by and large, MSMEs were not even aware of the schemes or packages offered by
various banks. We therefore decided to bring out this booklet giving schemes offered to
the MSME Sector by a few select banks. This is just a beginning. We will soon bring out a
more exhaustive version, covering about 25 to 30 banks. A web-based edition which can
be updated regularly is also under consideration.
I hope the MSME Sector finds the booklet useful
Naushad Forbes (Dr)

Chairman
CII Western Region
I am pleased to present to you this small booklet giving details of schemes / products
offered by a few select banks for the MSME Sector.
We have had a series of interactions between banks and the MSME Sector at various
locations in the Western Region. At each of these interactions, one point that emerged
strongly was that by and large MSMEs were not even aware of various schemes / products
offered by the banks. We therefore decided to publish these schemes in the form of a
booklet which can be useful as a ready reckoner for the MSME sector whenever they are
in need of funds.
We had brought out a pilot edition of this book on 29 January,2010 in Mumbai. This was
very well received and we have now brought out this booklet giving details of schemes
offered by 12 banks. Our plan is to bring out a more exhaustive version soon, covering
25 to 30 banks. We are also working on bringing out a web based edition which can be
updated on a regular basis.
I hope the MSME Sector finds this book of practical use.
K Nandakumar 3
Chairman
MSME Sub Committee
CII Western Region
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Bank of Baroda
BARODA SME GOLD CARD
Baroda SME Gold Card envisages provision of additional limit of 10% of the assessed eligible
bank finance for Working Capital to existing Small & Medium Enterprises, on request along with
regular application for Working Capital limits to meet emergent requirements.
Purpose : To provide hassle free on the spot assistance to take care of

borrowers’ emergent requirements and tie up temporary mismatch
in liquidity arising out of delayed payment by buyers, tax payment,
execution of bulk orders, etc.
Eligibility : • Accounts in Standard Category for last 2 years, with credit
rating of BOB-4 and above and enjoying working capital limits
of Rs. 25/- lacs and above.
• Accounts having/propose to have sole banking arrangement
with our bank.
Rate of interest : As applicable for regular Cash Credit facility.
Period : 12 months to be allowed on 4 occasions during the year for a
maximum period of 2 months on each occasion.
Security : As applicable to regular Cash Credit facility.
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Documentation : No additional documentation/formalities required at the time of
availing facility every time as the 10% additional limit will be a part
of the regular sanction.
* Conditions apply
BARODA OVERDRAFT AGAINST LAND AND BUILDING

Baroda Overdraft against land and building is a unique product for financing working capital
requirements/long term margin requirements of SME borrowers against the security of
unencumbered land and building belonging to the unit or Promoters of the unit.
Purpose : To provide hassle free credit to SME borrowers to meet working

capital requirements/augment long term margin requirements.
Eligibility : Proprietorship, Partnership firms, Private/Public Ltd. Cos., engaged
in Manufacturing and/or Service Sector of any commodity/goods
and such activity is not prohibited by law or opposed to public
interest established in the line of business for a minimum period
of 2 years and financed/proposed to be financed under Sole
Banking arrangement.
Limit : Minimum : Rs. 25.00 lacs
Maximum : Rs. 50.00 lacs (for Rural branches)
Rs. 200.00 lacs (for Semi Urban branches)
Rs. 500.00 lacs (for Metro branches)
Security : Mortgage of factory land and building and/or any other property
(Land & Building) belonging to promoters, viz. Directors, who will
also stand as guarantors, Proprietor or Partners.
In case of residential/commercial building, age of property should not be more

than 25 years.
Margin : 40% of the market value of property mortgaged (valuation of
the property will be carried out by the valuer on bank’s approved
panel/Government approved valuer)
Rate of Interest : • For Small Enterprises in Manufacturing & Service Sector
0.75% below Bank’s BPLR from time to time.
• For Medium Enterprises in Manufacturing & Service Sector
Bank’s BPLR from time to time.
Other features : • Simplified assessment methods.
• Submission of stock/book debts statements on half yearly
basis.
• Annual inspection of securities.
• Non-fund based facilities allowed by earmarking Overdraft
facility.
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• Valuation of properties once in 3 years.
* Conditions apply
BARODA VIDYASTHALI LOAN

Baroda Vidyasthali Loan is a special scheme for financing Educational Institutions.
Purpose : To meet the financial requirements for setting up the institutions

which includes construction of building, purchase of equipment
etc. for the new set up as also renovation of the existing facilities,
purchase of instruments for imparting education training to the
students.
Eligibility : Educational institutions, Schools, Colleges and other education
bodies running education activities
Note : HUF are not eligible.
Limit : Minimum : Rs. 25.00 lacs
Maximum : Rs. 10/- crores
Security : • Equitable mortgage of Land & Building (not agricultural land).
• Hypothecation of Instruments & Equipment acquired out of
the loan and other assets of the Educational Institution.
• Personal guarantees of the Promoters of the Institution.
Margin Overall margin of 25% of the cost of the project.
Rate of Interest 0.50% below Bank’s BPLR from time to time with reset every 2
years.
Repayment Period Maximum 84 months including moratorium period of 2 years,
depending upon the cash flow.
* Conditions apply
BARODA SME LOAN PACK

Baroda SME Loan Pack provides single line of credit for meeting SME borrowers’ working
capital as well as long term requirements within the overall limit approved by the bank.
Purpose : To provide hassle free credit for working capital (fund based and
non-fund based) as also long term requirements, taking into
account nature of business, cyclical trends, cash flow projections,
peak time requirements and any eventuality of unforeseen spurt
in the business.
Eligibility : All Enterprises, i.e. Small and Medium Enterprises, and other
entities (including Service Sector) with sales turnover upto Rs.
150/- crores, exclusively banking with our bank/new borrowers
desirous of having sole banking arrangement with our bank.
Composite limit : 4.5 times of borrower’s tangible net worth as per last audited
Balance Sheet, or, Rs. 5.00 crores, whichever is lower.
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Margin : 25%.
Rate of Interest : As per credit rating of the borrower.
Security : 1. Exclusive charge on the assets of the enterprise.
2. Personal Guarantees of all promoter Directors/partners.
3. Charge on the unencumbered personal properties of the
partners, promoter Directors, wherever applicable.
4. Third party guarantee in case of credit line above Rs. 100/-
lacs in case of Micro & Small Enterprises and for the credit line
above Rs. 25/- lacs in case of other Enterprises.
Note : Loans upto Rs. 100/- lacs to Micro & Small Enterprises will be
covered under Credit Guarantee Fund Trust Scheme.
Period : • 12 months in case of Working Capital.
• 3 to 7 years in case of Term Loan, depending upon the cash
flow.
* Conditions apply
BARODA AROGYADHAM LOAN
Purpose : To meet the financial requirements for setting up of new Nursing
Home/Hospital including Pathological Laboratory, Expansion/
renovation/modernization of existing Nursing Home/ Hospital
including Pathological Laboratory, Purchase of medical diagnostic
equipments as also office equipments, viz. computers, air
conditioners, office furniture, Purchase of ambulance etc and to
meet working capital requirements.
Eligibility : All entities other than individuals like Proprietorship, Partnership
firms, Private Limited Companies and Trusts engaged in providing
medical/pathological diagnostic services to the Society and with
turnover upto Rs. 150/- crores.
Note : The Promoters should have requisite qualification in any branch
of medical science from a recognized University and should have
minimum 2 years of work experience.
Limit : Rural Centres : Rs. 0.50 crores
Semi-Urban Centres : Rs. 6.00 crores
Urban & Metro Centres : Rs.12.00 crores
Notes : • Working Capital limits upto 10% of the annual sale or gross
income, subject to 20% of the above ceiling limit in case of
borrowers requiring both Term Loan and working capital
8 facilities.
• In case of borrowers requiring only working capital limit, 20%
of the above ceiling limit.
Security : • Equitable mortgage of Land & Building/premises of Nursing
Home/Hospital.
• Hypothecation of medical equipment/office equipment
acquired out of loan amount.
• Personal guarantee of Promoter Directors in case of Limited
Companies and Trustees in case of Trusts.
• Hypothecation of medicines, receivables and other chargeable
current assets.
• Charge on unencumbered assets of Promoter Directors in
case of Private Limited Companies, or any other collateral by
way of FDR, mortgage of properties in the personal name of
the relatives of Promoters, etc.
Margin : 25%. Higher margin may be stipulated in case the collaterals are
inadequate.
Rate of Interest : As per credit rating of the borrower.
Repayment Period : 35 months to 84 months including moratorium depending upon
the cash flow.
* Conditions apply
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Bank of Maharashtra
SME Charter :
• To provide professional, efficient, courteous, diligent and speedy services in the matter of
SME lending.
• Credit facilities considered: Term Loan, Cash Credit, Bank Guarantee and Letter of Credit
• Simplified and bilingual applications for Credit Facilities to SME Units are made available
• Loan Application complete in all respect duly receipted and acknowledged.
• Time Norms for disposal of loan applications:
a. Upto Rs.25,000 : 2weeks
b. Over Rs.25,000 and upto Rs.5.00 lakhs : 4weeks
c. Over Rs.5.00 lakhs : 8 - 9 weeks
• Collateral free loans upto Rs.5.00 lakh to SME units is mandatory.
• Loans sanctioned without collateral security / third party guarantee upto Rs. 100.00 lakh
and having good track record and financial position are covered under Credit Guarantee
Fund Scheme for SME i.e. Credit Guarantee Trust Fund Scheme for Micro & Small Enterprises
(CGTMSE)
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For covering the advances under Credit Guarantee Funds Scheme, a Guarantee Fee @ 1.50%
of credit facility sanctioned for a period of 5 years (borne by bank) and Annual Service Fee
@0.75% of outstanding amount as on 31st March every year is payable (50% of the annual
service fee borne by the Bank).
The Trust shall provide guarantee as under:
Category Maximum extent of Guarantee where credit facility is

Above Rs.5 lakh Above Rs.50 lakh upto
Upto Rs.5 lakh
upto Rs.50 lakh Rs.100 lakh
Rs.37.50 lakh plus 50%
85% of the amount 75% of the amount
of amount in default
in default subject in default subject
Micro Enterprises above Rs.50 lakh
to maximum of: to maximum of:
subject to overall ceiling
Rs.4.25 lakh Rs.37.50 lakh
of Rs.62.50 lakh
Women Rs.40 lakh plus 50%
entrepreneurs/ of amount in default
80% of the amount in default subject to
Units located in above Rs.50 lakh
maximum of: Rs.40 lakh
North East Region subject to overall ceiling
(incl. Sikkim) of Rs.65 lakh
Rs.37.50 lakh plus 50%
of amount in default
All other category of 75% of the amount in default subject to
above Rs.50 lakh
borrowers maximum of: Rs.37.50 lakh
subject to overall ceiling
of Rs.62.50 lakh
• To reduce the Entrepreneurs dependence on Term lending Institutions, composite loan upto
Rs.100.00 lakhs is sanctioned to SME Units.
• Loan quantum: Minimum 20% of projected annual sales turnover (Nayak Committee
norms)
• Comfortable Margin option is available as under:
Upto Rs.25,000 : NIL
Above Rs.25,000 : 25%
• Laghu Udhyami Credit Card: Hassle free credit upto Rs.10.00 lakhs is provided through
this Card.
• Mahabank Artisan Credit Card: Credit upto Rs.2.00 lakhs - to Artisans. Considering the
nature of the activity, Cash disbursement is allowed.
• Finance is made available at most attractive rate of interest. The same are as under
(A) The size wise rate of interest applicable for the entrepreneur(s) for the first year of
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operations with the Bank is as under:(w.e.f:01.08.2009)
Bank is offering a uniform rate of 9.25% for all MSME advances irrespective of size of
advance for the first year.
(B) Rate of Interest according to Risk Based Pricing:(w.e.f: 19/01/2009)

After the first year of operations with the Bank, rate of interest as per Risk Based Rating is
applicable for units with credit exposure (funded+non-funded) of Rs.2 lakh and above.
(I) For working capital facilities with or without Term Loan component:
A B C D
Concessional ROI Concessional ROI
Risk Grade as per Existing Rate of
For Micro for Small & Medium
CRRF Interest
Enterprises Enterprises
BPLR–1.75% BPLR–2.75% BPLR–2.25%
AAA
i.e.10.50% i.e.9.50% i.e.10.00%
BPLR–1.25% BPLR –2.25% BPLR–1.75%
AA
i.e.11.00% i.e.10.00% i.e.10.50%
BPLR–0.75% BPLR–1.75% BPLR–1.25%
A
i.e.11.50% i.e.10.50% i.e.11.00%
BPLR–0.50% BPLR–1.50% BPLR–1.00%
BBB
i.e.11.75% i.e.10.75% i.e.10.25%
BPLR–0.25% BPLR–1.25% BPLR–0.75%
BB
i.e.12.00% i.e.11.00% i.e.11.50%
BPLR+0.25% BPLR–0.75% BPLR–0.25%
B
i.e.12.50% i.e.11.50 % i.e.12.00%
BPLR+0.75% BPLR–0.25% BPLR+0.25%
C
i.e.13.00% i.e.12.00% i.e.12.50%
(II) For Term Loans only:

A B C D
Concessional ROI Concessional ROI
Risk Grade as per Existing Rate of
For Micro for Small & Medium
CRRF Interest
Enterprises Enterprises
BPLR–1.25% BPLR–2.25% BPLR–1.75%
AAA
i.e.11.00% i.e.10.00% i.e.10.50%
BPLR–0.75% BPLR–1.75% BPLR–1.25%
AA
i.e.11.50% i.e.10.50% i.e.11.00%
BPLR–0.50% BPLR–1.50% BPLR–1.00%
A
i.e.11.75% i.e.10.75% i.e.11.25%
BPLR+0.25% BPLR–0.75% BPLR–0.25%
BBB
i.e.12.50% i.e.11.50% i.e.12.00%
BPLR+0.75% BPLR –0.25% BPLR+0.25%
BB
i.e.13.00% i.e.12.00% i.e.12.50% 13
BPLR+1.25% BPLR+0.25% BPLR+0.75%
B&C
i.e.13.50% i.e.12.50% i.e.13.00%
For MSME units enjoying total fund based limits above Rs.10.00 crores, the existing rate of
interest as mentioned in columns ‘B’ above (for working capital with or without TL & for TL only
as the case may be) is applicable.
BPLR at present is 12.25

Development Credit Bank Limited
Development Credit Bank Limited
Development Credit Bank Limited (DCB) (http://www.dcbl.com) is a modern emerging new
generation private sector bank. It is a scheduled commercial bank regulated by the Reserve
Bank of India. It is professionally managed and governed and is a member of the Banking Codes
and Standards Board of India (BCSBI).
In India since the 1930s, DCB is promoted by the Aga Khan Fund for Economic Development
(AKFED) (http://www.akdn.org/akfed). AKFED is an international development enterprise. It is
dedicated to promoting entrepreneurship and building economically sound companies. It has
around 150 companies in 15 countries and employs over 30,000 people with a turnover of
approximately US$ 2 Bn. AKFED had co-promoted HDFC in India in the late 70s.
DCB has contemporary technology and infrastructure including state of the art internet banking
for personal as well as business banking customers.
DCB’s business segments are Retail, micro-SMEs, large SMEs, mid-Corporates, Microfinance
Institutions (MFIs), Agriculture, Commodities, Government, Public Sector, Indian Banks, Co-
operative Banks and Non Banking Finance Companies (NBFCs). DCB has approximately
600,000 customers.
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DCB’s SME banking division has a dedicated team of experienced banking professionals who
understand the needs of MSME clients, and work towards being partners in the growth of the
bank’s customers and not mere service providers.
DCB’s Credit Facility for customers

DCB Working Capital : To serve your day to day working capital needs, the Bank provides
Finance over draft and cash credit limits against stocks / inventory and
receivables.
DCB Term Loan : For investment in fixed assets, such as plant and machinery, sheds,
buildings and office furniture. This is payable in installments.
DCB SME Express : DCB SME Express Loan aims to provide credit facilities for
Loan meeting the regular funding requirements of manufacturers,
traders and service providers. We understand your business
requirements and offer flexible and customized working capital
finance at attractive terms to suit your business needs. It’s a
unique program launched to serve SME customers with turnover
up to Rs. 50 crores, and with a maximum exposure of Rs 5
crores.
The unique features • Minimum collateral requirement
of DCB SME Express
• Simple and easy documentation
Loan are
• Quick approval
• Convenient doorstep service at the office of the customer 15
Facilities Offered • Cash Credit
• Export Packing Credit
• Export Bill Negotiation
• Bill discounting
• Term Loan
• Letter of credit
• Bank Guarantee
DCB CASH MANAGEMENT SERVICES

Cash Management is about getting funds in time, quick transfers, quick realization of local
and outstation cheques, easy disbursements, account reconciliation, controlled processes and
customized MIS. Thus Cash Management Services eliminates the inherent delays of a funds
transfer mechanism, enhancing liquidity and ensuring optimum planning and utilization of
funds for the customer.
Cash Management Services include the following:

• Collection or Receivables Management
• Payment or Payables Management
• MIS
DCB TRADE FINANCE
At DCB, we provide customised financing matched to your trade cycle. We offer a range of
products to support the business requirements at every step. DCB caters to your growing trade
finance requirements and also assists in document handling related to Inland Trade, Foreign
Remittances, Imports and Exports. The Bank has customised ‘DCB Trade Current Account’ with
attractive features.
Export Solutions : • Packing Credit

• Export Bill Discounting/ Negotiation
• Export LC Advising
• Export Bill Collections
• Bank Guarantees
Import Solutions : • Import Letters of Credit
• Import Bill Collections
• Direct Import Bills
• Advance payment against Imports
• Trade Credit
Remittance Services • Inward Remittances
• Outward Remittances
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Inland Trade Services • Bill Discounting Services
• Inland Bill Collections
• Issue of Letter of Credit
• Bank Guarantees
Other Services • Treasury Solutions
• Trade Current Account
• Exchange Earner’s Foreign Currency Account
Call DCB 24 – Hour Customer Care at 32811322 or email customercare@dcbl.com for any
assistance or query on our products and services.
HDFC Bank
Support for Small & Medium Enterprises
At HDFC Bank we understand how much of hard work goes into establishing a successful SME.
We also understand that your business is anything but “small” and as demanding as ever. And
as your business expands and enters new territories and markets, you need to keep pace with
the growing requests that come in, which may lead to purchasing new, or updating existing
plant and equipment, or employing new staff to cope with the demand. That’s why we at HDFC
Bank have assembled products, services, resources and expert advice to help ensure that your
business excels. Our solutions are designed to meet your varying needs.
The basket of products and services for SME sector cover the following:-
A) Funded services
Funded Services from HDFC Bank are meant to directly bolster the day-to-day working of a small
and a medium business enterprise. From working capital finance to credit substitutes; from
export credit to construction equipment loan – HDFC Bank cater to virtually every business
requirement of an SME. The following services are extended to the SME’s under the funded
services
• Working Capital Finance
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• Credit Guarantee scheme for small and micro enterprises
• Commercial Vehicle finance
• Construction Equipment Loan
• Short Term Finance
• Medical Equipment Finance
• Healthcare Project Finance
• Bill Discounting
• Credit Substitutes
• Export Credit
• Structured Cash Flow Financing
• Real Estate Initiatives
B) Non-Funded services
Under Non-Funded services HDFC Bank offers solutions that act as a catalyst to propel business.
Following services with customized your requirement can cater to your business needs:-
• Business Accounts
• HDFC Bank Trade
• Letters of Credit
• Guarantees
• Collection of Documents
• Cash Management Services
• Forex Desk
• Money Market Desk
• Derivatives Desk
• Services to Employee Trusts
• Services to Cash Surplus
• Corporate Tax Collection
• Bankers to Rights/Public Issue
C) Specialized services
HDFC Bank is one of the most trusted entities when it comes to specialized services like selling
of precious metals to customers. Under specialized services one can also avail customised
control of their value chain through our internet banking platform.
Beyond this we also offer a plethora of other value added services. There’s corporate salary
account which ensures smooth payment methods to staff. One can also avail an assortment of
18 credit cards and debit cards from our merchant services.
Also internet banking is a revolutionary service under the banking sector and HDFC Bank is a
forerunner in providing this service. We provide state-of-the-art payment gateway services to
industries and companies in order to ease transaction processing. This in turn enhances the
credibility of business and makes banking extremely cost-efficient.
HDFC Bank has a nationwide network of 1,725 Branches and in
771 Indian towns and cities. Please visit nearest Bank branch or log in www.hdfcbank.com to
drop a line regarding your requirement
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ICICI Bank Ltd.
Contact Information
Name of SME Head : Mr. Sanjeev Mantri
Designation : General Manager
Name of the Bank : ICICI Bank
Address : ICICI Bank , Bandra Kurla Complex, Mumbai – 400051.
Tel : 022-26538422
Fax : 022-26531659
Email : sanjeev.mantri@icicibank.com
Cell No : 9870101780
Details of Schemes / Products offered to MSMEs

• Current Accounts, Term Deposits, Recurring Deposits
• Payment services such as payment orders, remittances by way of Demand Drafts and wire
transfers or through electronic or any other mode.
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• Business Loans and other credit facilities including off balance sheet products such as
Letters of Credit, Bills, Bank Guarantees etc.
• Foreign exchange services including remittances, derivatives, Forward Contracts and money
changing.
• Cash Management services covering Collection and Payment
• Third party Insurance and Investment products
• Card products like ATM/Debit/Credit cards and Tax Payment services
• Demat Accounts , Equity, Government bonds
• Funding to MSME clients under CGTMSE scheme
We follow sourcing and service of MSME clients through sales and relationship management
teams. We do not have specialized MSME branches; all branches cater to MSME customers.
ICICI Bank’s Vendor / Dealer Finance solves your cash flow needs and ensures smooth running
and development of your business. You get funds conveniently, on time and at a reasonable
cost.
ICICI Bank offers Bill Discounting services to vendors of large Indian corporates, including priority
sector companies. Once the company accepts the bills drawn by you, they may be discounted by
us. Discounting rate is linked to the tenor based IBR. Limit is outside the banking arrangement
of the Corporate, and recourse is to you. In case the corporate is not willing to accept a bill of
exchange, you can also opt for our Invoice Discounting facility.
Vendor Bill Discounting
Vendor Bill Discounting is the solution for your working capital requirements. If you are a vendor
with a turnover of Rs. 2 crore, ICICI Bank’s Vendor Bill Discounting can solve your business cash
flow needs. This helps you meet your working capital needs, and allows you to access funds at
competitive interest rates.
The ICICI Bank Edge

• Minimum paperwork
• Competitive rates of interest
• Quick transaction delivery
ICICI Bank’s Dealer Financing

ICICI Bank’s Dealer Financing schemes are available to selected dealers of large corporates.
You can avail short-term unsecured finance to procure goods from corporates. These may be
on a non-recourse basis or in some cases, corporate recourse by way of First Loss Deficiency
Guarantee. The corporate provides non-financial comforts like Stop Supply Letter, Assistance in
Recovery & Resale. All payments due to you must be routed through our accounts.
Dealer financing may be in the form of Bill Discounting or an Overdraft facility. Term facility is
available for purchase of assets.
22 The SME toolkit is truly a one-stop shop for small businesses.

The SME Toolkit, www.india.smetoolkit.org is a joint project between ICICI Bank and IFC
(International Finance Corporation), a member of the World Bank Group. The SME Toolkit
website has been created as an online resource center to empower Indian SME’s and help
them become globally competitive. The website has had 7.5 lac visitors and over 2 million page
views till date.
The SME Toolkit provides comprehensive and easy to use information on a variety of topics like
Business Planning, Accounting, Human Resources, International Business, Legal, Insurance,
Taxation, Marketing, Operations, Technology and Tenders. It also has free downloadable
software tools such as the ‘Business Plan Maker’, the ‘Website Builder’ and a large collection
of ‘HowTo Articles’. With such comprehensive information, the SME Toolkit serves as a business
consultant for every SME entrepreneur.
Further, the website offers various updates on SME related events through the SME calendar.
Also present on the website are success stories and an elaborate section on ‘Mentoring’. The
section on Mentoring covers case studies, ‘HowTo Articles’ and FAQs. This section also have
contributions from management experts, academicians, successful entrepreneurs and others.
For the Indian business environment, the SME Toolkit offers over 4,000 Legal FAQs, 25,000 latest
circulars and notifications; more than 4,500 business forms and over 650 draft agreements. In
order to reach out to a wider audience, the entire SME Toolkit content has been launched in a
bi-lingual format (English and Hindi) and is also available in the CD format.
The SME Toolkit is an initiative of ICICI Bank to create an ecosystem for SME’s in India and provide
an interactive system through which SME’s can share, learn and grow their businesses.
Already being used by SME’s in more than 20 countries, the SME Toolkit is truly a one-stop
shop for small businesses as it consistently helps to get to a higher levels of professional
management.
SME Dialogue
A milestone initiative by ICICI Bank, SME Dialogue has positioned ICICI bank as a thought leader
in SME Banking and an opinion maker in the SME space. For the first time in its history, The
Economic Times created a special mast-head within the main edition (pan India) for its partner
sponsor, ICICI Bank.
This campaign which lasted for 52 weeks consisted of a full page presence in The Economic Times
every week. The page contained insightful articles on the SME sector, senior management’s
views and ICICI Bank advertisements. ICICI Bank in association with The Economic Times,
followed-up the campaign with ground events across multiple locations through dedicated SME
forums.
ICICI Bank’s SME Dialogue succeeded in servicing the SME sector by highlighting best practices
of successful SMEs and enabling sharing of business-critical sector. This initiative also made
ICICI Bank synonymous with the issues concerning SMEs and placed it as a thought leader in
SME Banking among the banking fraternity. The role of ICICI Bank’s SME Dialogue has been
acknowledged by stakeholders like other banks and IT multinationals as well as regulators like
the RBI.
Business Banking India, Business Banking Services, ICICI Bank Services For
The SMEs. 23
ICICI Bank SME Expo Series serves as an ideal B2B platform, bringing buyers and sellers
together and creating business opportunities. Select few leading trade associations broad-base
the event. Various industry sectors like auto ancillaries, logistics, apparel, etc are targeted to
participate in the SME Expo Series.
A 2-day seminar, structured by our Knowledge Partner, is held simultaneously to the SME
Expo. Industry opinion makers and policy makers are roped in as speakers. ICICI Bank senior
management are invited to give an insight into the Bank perspective on various aspects of the
related industry sector.
ICICI Bank and the Knowledge Partner jointly release the “Industry Discussion Paper” at the
Expo.
24
IDBI Bank
Entrepreneurial Development Fund
The objective of the Fund is to provide financial assistance to the entrepreneurs - whose financial
resource to promote enterprises is limited – for setting up SMEs. The Fund aims to provide
assistance by way of equity/ interest-free loan for meeting the financial gap for establishing the
business.
Entrepreneurial Development Fund

Sr. No. Field Content
1 Eligible Segments • Technically or professionally qualified entrepreneur.
• Entrepreneurs setting up for the first time, a project in the
SME sector where the cost of unit is up to Rs.200 lakh.
• Preference will be given to entrepreneurs trained by institutes
like Confederation of Indian Industry (CII)/Entrepreneurship
Development Institute of India (EDII)/Rural Development &
Self Employment Training Institute (RUDSETI).
2 Facility • In case of Company: Facility will be in the form of equity.
• In case of partnership firm/ proprietorship concern: It will
be provided as soft loan. 25
3 Loan Amount The amount of assistance per unit shall not exceed 15% of
project cost subject to a ceiling of Rs.30 lakh.
4 Margin / Minimum 10% of the project cost.
Promoter's
Contribution
5 Tenor 3 to 7 Years
6 Security Assets created out of the Bank finance (In case of soft loan).
7 Guarantee The beneficiary entrepreneurs shall also be required to furnish
personal guarantee for the timely repayment/payment of
principal and interest thereon.
8 Processing The soft loan shall carry service charge @1% p.a. for a period
Charges of first three years.
Dealer Finance Programme
Dealers are one of the important channel partners through whom a substantial volume of
business is conducted by most of the manufacturers. IDBI Bank’s “Dealer Finance Programme”
is designed in such a way such that it leads to a better liquidity position by providing various
facilities to the dealers, thereby improving the overall business environment.
Dealer Finance Programme

1 Eligible Segments Distribution chain partners comprising dealers, stockists,
distributors, etc.
2 Facility • Overdraft, Cash Credit, Term loan.
• Other working capital facilities like Bill Discounting.
• Non-fund based facilities: LC / BG.
3 Purpose • OD/ CC: Working capital.
• TL: Acquisition of fixed assets, renovation of premises, etc.
4 Loan Amount • Minimum: Rs.10 lakh
• Maximum: Rs 500 lakh
5 Margin 25% Margin
6 Tenor • OD/ CC: One year.
26 • TL: Up to 5 years with interest reset clause.
• Other working capital facilities on case-to- case basis
7 Security • Exclusive first charge on all assets created out of Bank
Finance
• Personal Guarantee (PG) of the proprietor / partners
• Collateral: In the form of immovable property/ liquid
security.
8 Pricing Linked to BPLR as per the Scoring Model
9 Processing 1% for 1st time appraisal & 0.50% for renewal to be charged
Charges
Lending Against the Security of Future Credit Card Receivables
In today’s environment, there has been a phenomenal change in the way business is run and
payments are made. More and more number of people are taking to electronic payments
by means of credit or debit cards. IDBI SME product – “Lending against Future Credit Card
Receivables” - provides financial assistance to the business entity accepting payments through
credit/debit cards.
Lending Against The Security Of Future Credit Card Receivables

1 Eligible Segments Reputed Restaurants, Hotels, Large Petrol Pumps, IATA
approved Travel Agents, Tour Operators etc.
2 Facility • Over Draft
• Term Loan: For acquisition of fixed assets, renovation of
premises, etc.
3 Loan Amount Up to Rs 500 lakh
4 Tenor • Overdraft: One year.
• Term Loan: Up to 3 years.
5 Pricing Linked to BPLR
6 Security • Primary: Hypothecation of future card receivables.
• Collateral: Mortgage of residential/commercial properties
for appropriate value.
27
7 Processing • 1% for 1st time appraisal & 0.50% for renewal to be
Charges charged
SME Hosiery Current A/c

This product is tailor-made keeping in view the specific requirements of the SME Textile Hosiery
units across the country. If you happen to be one, then take advantage of the product.
Lending Against The Security Of Future Credit Card Receivables

Sr. No. Features
1 • Average Quarterly Balance: Rs 1,00,000/-
• Home Branch cash deposit limit would be Rs. 8 lakh per month
• PO will be free
• DD - Free on RBI centres and free up to Rs. 5 lakh per day on non-RBI centres.
• BOI DDs – Free up to Rs. 7 lakh per month.
• EFT/PAP – Rs. 60 lakh p.m. on RBI centers and Rs. 40 lakh on non – RBI
centres.
• Outstation cheque collection on Bank’s branches – Rs. 50 lakh per month free
• Free Cash pick up–on Monthly Average Balance of Rs. 1 lakh (for one location
and one per day)
• Free Cheque pick up
• Free phone-banking facility
• Cheque Return Protection Facility up to Rs. 25,000/-
• Phone banking facility to be provided i.e., toll free number for the SME
customers.
• Account opening may be permitted with lesser amount and subsequently the AQB
can be built up as per requirement of the product.
Working Capital Financing to IT & ITES Entities

Information Technology Industry in India has the potential of tremendous growth as a global IT
solutions provider. IDBI SME Product “Working Capital Financing to IT & ITES Entities” offers all
the necessary financial assistance to those engaged in this sector.
Working Capital Financing to IT & ITES Entities

1 Eligible Segments Micro, Small and Medium Enterprises engaged in export of
software / software services.
2 Facility • Working Capital Finance / Overdraft limit to fund short and
cyclical working capital requirements.
3 Loan Amount • Minimum Rs. 25 lakh
• Maximum Rs. 200 lakh
28 4 Tenor 12 months
6 Security • Hypothecation of entire current assets
• Hypothecation of the company’s equipments like servers,
routers, work stations etc.
7 Guarantee • Personal Guarantee of Proprietor / Partner / Directors of
the company, on best effort basis.
8 Processing 0.5% to 1% p.a. of Loan Sanctioned
Charges
Laghu Udhyami Credit Cards

LUCC Scheme is for the Existing borrowers belonging to Small business units, retail traders,
artisans, village industries, small scale industrial units and tiny units, professionals and self
employed persons, whose dealings with the bank have been satisfactory for the last three years.
Such borrowers are provided with the credit limits up to Rs. 10 lakh under the said Scheme for
a period of three years. The salient features of the Scheme are given below:
Laghu Udhyami Credit Cards

1 Eligible Segments All existing customers having a satisfactory dealing with the
Bank for the last 3 years, in the categories viz.
• Small business units
• Retail traders
• Artisans
• Village industries
• Small-scale industrial units and tiny units
• Professionals and self employed persons, etc.
2 Facility Only working capital in the form of Overdraft/ Open Cash Credit
is permitted
3 Purpose To meet the credit requirements of the categories mentioned
above.
4 Loan Amount Maximum of Rs. 10 lakhs per borrower.
5 Tenor / Validity • Valid for a period of 3 years
• Enhancement can be effected subject to the review within
the prescribed ceiling of Rs. 10 lakhs.
6 Pricing At BPLR
7 Security • Primary Security: Hypothecation of stock in trade,
receivables, machinery, office equipment etc., as specified
for existing limits.
• Collateral: Existing Collateral would continue.
8 Margin 25%
Finance to Medical Practitioners 29

If you are a doctor or a medical practitioner, we have the right product that takes care of your
need for financial assistance for day-to-day business requirements, setting-up /up-gradation of
a new/existing clinic or capacity expansion plans.
Finance To Medical Practitioners

1 Eligible Segments • All medical practitioners/ doctors/ clinics
• Minimum Qualification: MBBS/ BAMS/ BDS/ BHMS /
GAMS.
2 Facility Term loan & Overdraft/ Cash Credit
3 Purpose • OD/CC: To meet Working Capital requirements
• Term Loan: For Purchase of specialized medical equipment,
Expansion of infrastructure in existing clinic/ hospital,
Expansion of infrastructure in existing clinic/ hospital, etc.
4 Loan Amount • Minimum: Rs.50, 000/-
• Maximum: Rs. 2 crores
5 Tenor • Term Loan: Up to 7 years
6 Pricing • For Loans up to Rs. 2 lakhs: At BPLR
• For Loans above Rs. 2 lakhs: Based on score obtained in
scoring model
7 Security • Term Loan: Exclusive Charge on assets financed.
• Working Capital: Exclusive charge on all the current assets.
• Collateral: Up to 50% of the loan amount.
8 Guarantee Personal guarantee of the promoter directors (in case of limited
companies)
9 Margin As per nature of the loan.
10 Processing Processing fee of 0.50 to 1 % with a minimum of Rs.500
Charges
Loans to Professionals & Self-employed

Service sector is the biggest contributor to India’s growth story, accounting for more than 50%
of the GDP. With a view to provide financial assistance to those who are professionals and self-
employed and engaged in service activity for the different sectors of the economy this product
has been designed.
Loans To Professional & Self Employed

1 Eligible Segments All the Professionals and Self-Employed persons including:
• Chartered Accountants, Company Secretaries, Engineers,
Architects, Surveyors, Contractors, Management
Consultants
• Doctors/Medical Practitioner, Healthcare Centres
30
• Packaging, Storage & Warehouse Services
• Transport/Taxi Services, Travel & Tour Operators, Travel
Agents
• Event Management, Publicity & Media Coverage
2 Facility Fund Based: 1. Over Draft / Cash Credit
2. Term Loan
Non Fund Based: Bank Guarantee & Letter of Credit
3 Purpose • OD/Cash Credit: To meet working capital requirement
• Term Loan: For purchase of premises for conducting
business, equipments, computers, furniture, fixtures,
undertaking development expansion, additions, repairs
and renovation of business premises and infrastructure
4 Loan Amount • Minimum: Rs 5 lacs
• Maximum: Rs 500 lacs
5 Tenor • Term loan: Up to 7 years
6 Pricing Linked to BPLR and would be based on scores obtained in the
scoring model.
7 Security • Primary: Book debts, stocks and Assets created out of loan
proceeds
• Collateral: Security in form of immovable property such as
residential house / flat / bungalow/ commercial property
etc
8 Margin Depending on the nature of the loan.
9 Processing 1% of the loan amount with minimum of Rs.5000.00
Charges
Loans to Small Road & Water Transport Operators (SRWTOs)

Road & Water Transport Operators play a key role in the socio-economic development of
the nation by providing transport and communication services to the society in general and
the industry in particular. This product enables various transport operators acquire fleets of
vehicles/ vessels thereby offering cheap yet safe and convenient solutions to transport related
issues.
Loans to Small Road & Water Transport Operators (SRWTOs)

1 Eligible Segments • All goods / passenger transport vehicles including light
Commercial vehicles, auto-rickshaws, taxi-cars, motor-
buses and lorries
• Small refrigerated vans, bulk carriers for carrying petroleum/ 31
edible oil
• Water transport units such as small boats, launches, etc.
2 Facility • Term loan
• Cash Credit/ Overdraft
• Bank Guarantee
3 Loan Amount • Min. Rs.25, 000/-
• Max. Rs.2 crore
4 Tenor • OD/ CC/ BG – 12 months.
• TL – Up to 5 years.
5 Pricing • Linked to BPLR
• Loans up to Rs.2 lakh shall not exceed BPLR
6 Security • Exclusive Charge on assets financed
• Collateral as per Bank’s norms.
7 Guarantee • Personal guarantees of the promoter directors in case of
limited companies
8 Margin Depending upon the nature of the facilities
9 Processing 0.50% p.a. of the loan amount
Charges
Sulabh Vyapar/ Business Solutions
Traders act as a vital link between the manufacturers of goods/commodities and the consumer.
The product aims to provide hassle free finance to traders and to meet their business and financial
needs at competitive interest rates. Any individual or a firm (partnership or proprietorship)
engaged primarily in buying and selling mercantile goods is eligible for this mode of finance.
IDBI Bank offers solutions to all the financial needs of the wholesalers/traders/retailers under
the Product.
Sulabh Vyapar Loan

1 Eligible Segments Traders and Service Sector viz. Wholesalers, Retailers e.g.,
Super market, Malls; also service sectors like restaurants,
hotels, travel, entertainment etc.
2 Facility • Fund Based: Over Draft /Cash /Term Loan/Bill Discounting
• Non Fund Based: LC/BG
3 Loan Amount Up to Rs. 500 lakh
4 Pricing Linked to BPLR and scoring model
5 Security Primary: Hypothecation of stocks, receivables, assets financed
by bank.
Collateral:
• Immovable Residential or Commercial property
32 • Loan amount up to 90% of the property value
6 Margin • 25% on Stock & Book Debts
• 25% for Term Loan (New Assets)
7 Processing Charge Up to 1% of the loan amount
Vendor Financing Programme
Realization of funds tied at various points of the value chain is one of the primary concerns
of those involved in the business of manufacturing & supplying of various kinds of goods.
Funds are required by the manufacturers/suppliers at two stages of the production viz., the
manufacturing stage (Accounts Payable Cycle) and the post-manufacturing stage (Accounts
Receivable Cycle), while in the former, funds are required to acquire the raw-materials, in the
latter it’s required for smooth functioning till the produces are sold and realized into cash. IDBI
Bank’s “Vendor Finance” product is so designed such that all the links in the value chain always
remain adequately funded, thereby leading to a smooth functioning for the vendor.
Vendor Finance Programme

1 Eligible Segments All Vendors of large Corporates /Original Equipment
Manufacturers (OEMs).
2 Nature of Loan • Overdraft / Cash Credit
Facility
• Letter of Credit, Bill Discounting /Financing against Invoices
3 Purpose To fund the manufacturing and receivable cycle
5 Security Pre sale funding: Post sale funding: Accepted
Bill / invoice by the authorised
• First Charge on current
officials of OEM
assets.
• Second charge on the 33
fixed assets of the vendor
on reciprocal basis with
the term lenders. (if any)
Personal Guarantee of directors/ partners / sole proprietor.
6 Processing Fee 0.50 to 1% of loan amount
34
Indian Bank
Salient features of various Schemes under SME-SLP
IND SME SECURE
Eligibility : All SME Accounts (Fresh & Existing)
Purpose : Financing the SMEs based on collateral security coverage.
Minimum Collateral requirement – 75% of the limits
Amount of finance : Above Rs.25.00 lakhs and upto Rs.5.00 crores. Group exposure
to be restricted to Rs.10.00 crores.
Sanctioning powers : GMs at Head Office & GM, Circle Heads – Rs.500 lakhs
Circle Heads, DGMs & AGMs – Rs.400.00 lakhs
Focus Branches V – Rs.300.00 lakhs
Focus Branches IV – Rs.200.00 lakhs
Focus Branches III – Rs.100.00 lakhs

IB Doctor Plus:
Target group : Individuals / partnership / Limited Co., trust etc – Key promoters 35
or their spouse should be qualified doctors & registered
practitioners
Purpose : To set up Clinic, Clinic cum Residence, Nursing Home, Hospitals,
X Ray or Pathological Lab, Medical Store, Puchase of vehicles /
ambulance etc Or for expansion / renovation / modernization of
premises
Eligible amount : Minimum Rs. 1 lakh; Maximum Rs. 50 lakhs
Circle Heads are permitted to sanction upto their delegated
powers for Secured loans.
Security : Loans up to Rs. 2 lakh to be considered only with Hypothecation
of assets created out of loan
Loans above Rs. 2 lakhs, Hypothecation of assets created out of
loan and LIC policy assigned in favour of the Bank for shortfall in
security or other collateral securities.
Margin : Up to Rs. 5 lakhs, Margin 10%
Over Rs. 5 lakhs, Margin 20% for urban & metro centres
Margin of 15% in rural and Semi urban centres for both the slabs
Repayment : Term Loans – maximum 10 years inclusive of holiday period
Service charges : Upto Rs. 5 lakhs – Nil for first time borrowers
Above Rs. 5 lakhs – Rs. 250/= per lakh or part thereof.
Documents : Audited B/S for 3 years for existing firms
IT Returns for 3 years for applicant
Proof of professional qualification
Statement of a/c for 6 months of the unit or promoters
Project report
Estimate for renovation duly approved by panel engineer
Valuation report and legal opinion in respect of EM property
Quotation for equipment / vehicle to be purchased from reputed
dealer
Sale agreement for proposed purchase of immovable property
alongwith Building Plan
IB BPO Finance:
Target group : Individuals, firms & Companies existing in the field with minimum
of 3 years of satisfactory operations or technically qualified
promoters
Purpose : Setting up of new offices, enovation / replacement of old premises,
equipment etc & working capital to meet out expenses such as
salaries, rent, power, internet access etc.
Eligible amount : For existing as well as new entrants:
36 For 25 seater office: WC Rs. 20 lacs, TL Rs. 10 lacs-- A
(Term Loan Rs. 30 lakhs for new entrants)
For 50 seater capacity: WC Rs. 35 lacs, TL Rs. 35 lacs--B
(Term Loan Rs. 45 lacs for new entrants)
For 100 seater capacity: WC Rs. 50 lacs, TL Rs. 40 lac--C
(Term Loan Rs. 75 lacs for new entrants)
Security : Hypothecation of assets created out of loan
Hyp. Of existing assets
Personal guarantee of promoters
Repayment : < 36 months for A&B category
Maximum 60 months for C category capacity
Margin : Working capital 40% (for receivables 30%)
and Term Loan 25%
Proof of professional qualification and experience, if any
Project report
dealer
IB-HOSTEL PLUS (hitherto known as IB Shanti Niketan).
Purpose : Registered Trust/ NGO/Individual owning Property/ registered
firms/ schools and colleges/HUFs/Individuals running ‘paying
guest’ facility
Preference to be given to Females for running working women
hostel or student hostel for girls.
Eligibility : 1 Extension/reno-vation of hostel for working women/men/
students(school/college).Capacity of the hostel could range
from 5 rooms to 60 rooms.
2. For furnishing the living rooms, common room and office
like for purchasing beds,study tables, chairs, fans, curtains,
mattresses etc.
3. For Purchasing kitchen items chimney, gas stove, refrigerator
etc.
4. For purchasing computer, computer peripherals for the office
use/ commercial purpose in the hostel premises.
5. Working Capital.
Loan amount : Rs 2 lakhs (minimum) to Rs 25 lakhs (Maximum)
Security : Equitable mortgage of the land & building in case of selfowned
property. In case of property on lease an additional security by
way of any other property of equivalent value of loan to be taken. 37
• Hypothecation of asset financed, personal guarantees of the
promoters is to be insisted.
• Third party guarantee is preferable.
Margin : Term Loan – 10 %
Working Capital – 25%
Repayment : 36 months to 60 months. EMI based on cash flow
Project report
dealer
IB Vidya Mandir:
Purpose : Regulated Educational Institutions
Private / Aided Schools
Eligibility / : For construction of pucca Building: Max. Rs.10 lakh
Loan amount : For upgradation of thatched roofing: Max. Rs.5 lakh
Circle Heads are vested with powers to sanctions loans up to
Rs. 20 lacs with reduced rate of interest and above Rs. 20 lacs
(upto Rs. 100 lacs) at higher interest rates.
Security : Up to Rs.2 lakhs : Personal guarantee of Promoters.
For more than Rs. 2 lakhs: EM of School Building / other collateral
securities
Margin : NIL up to Rs. 2 lakhs
10% for loan amount exceeding
Rs.2 lakhs.
Repayment : Not exceeding 84 EMIs - Repayment to be fixed based on the fee
collection structure - with maximum holiday period/moratorium
period of one year . Interest during holiday period to be recovered
in equal instalments in the remaining loan period.
38 IT Returns for 3 years for applicant
Project report
dealer
IB Ayushmaan Scheme:
Target group : Premium: Premium category gyms/fitness centres in organized
sector where Co. required finance for expansion of network/
renovation of existing centre, purchase of equipment etc.
Economy: targeted at gyms / fitness centres in unorganized sector
run by individuals / partners in middle class residential areas
Home: targeted at individuals who prefer to have their own gym
in their house
Purpose : For construction of gym or fitness centre, renovation of existing
one, purchase of equipments, purchase of land & building and WC
requirements such as salaries, maintence expenses, electricity
etc.
Eligible amount : Premium
Min - Rs. 1.00 crore
Max - Rs. 5.00 crore
Economy
Min - Rs. 1.50 lakhs
Max -Rs. 25 lakhs
Home
Min - Rs. 6000
Max -Rs. 2.00 lakhs
Security : Charge by way of hypothecation of financed assets
Collateral security - EM of land & building to be purchased
Personal Guarantee of Promoters
Third Party Guarantee for HOME CATEGORY borrowers
Margin : • Land & Building - 50 %
• Equipment etc - 10 %
Working Capital - 25% 39
(For home category borrower the margin will be 15% of the cost
of equipment)
Repayment : Premium
36 to 60 months EMI based on Cash flow.
Economy
36 months based on cash flow /DSCR.
Home
36 to 60 months
Project report
dealer
IB Professional Special:
Purpose : Qualified professional(s) like Chartered Accountants, Architects/
Interior Decorators, Qualified caterers etc. who are practicing in
Metropolitan/ Urban/semi-urban areas, with minimum of 3 years
experience (including internship).
The scheme is generally applicable only to resident Indians (either

individual or Registered Firm) not above 60 years.
Eligibility : For purchase of necessary tools / equipments, vehicles (ambulance/
jeep for office use), upgradation of existing equipments/renovation
of Office building including Air-conditioners, furnishings, reference
books, purchase of new vehicles (even if new vehicle /equipment
has already been purchased out of own sources, reimbursement
can be allowed, if it was acquired within 6 months).
Loan amount : Max. Rs. 5 lakhs with an overall ceiling of 12 months gross monthly
projected income with the previous year’s income as indication.
Loan restricted to 50% of the eligible amount if experience is less

than 3 years.
Security : Assets created, if any, out of the loan amount for the advance
upto Rs.1 lakh.
40 For limits above Rs 1.00 lakh, hypothecation of Equipments/

assets purchased out of the loan
Where creation of tangible security is not involved, LIC Policy to

the extent of shortfall in security coverage.
Margin : No margin for loan upto Rs.1 lakh. For limit above Rs.1 lakh, a
margin of 20% is to be brought in.
Repayment : 60 EMI with an option for holiday period of 6 months(max).
Documents : IT Returns for 3 years for applicant
Project report

dealer

IB My Own Shop:
Purpose : To purchase new commercial space/shops and also second hand
purchase
Take over existing loan of standard asset category given for similar
purpose, from other Banks/Financial Institutions.
Eligibility : Individuals, Professionals and Self-employed people, firms
(registered partnership firms/companies) and businessmen for
purchase of Office space and / or shops. The applicant should
have been in the activity for a minimum period of 3 yearsAge –
Max 50 yrs
Loan amount : Individuals/
professionals,
36 times of monthly gross income or 60 months net income
whichever is higher
Self employed
professionals
Gross income net of tax before deducting depreciation should be
considered while computing the eligible loan amount
In case of company/Firm, Five times of cash profit of immediate
preceding financial year or 4 times of average cash profit for last
3 years, whichever is higher.
41
Max Loan amount: Rs. 50 lakhs
Security : EM of Commercial Property to be acquired
Personal guarantee of a third party having Net Worth not less than
the loan amount in case of individual borrowers.
Personal guarantee of partners/directors in individual capacity.
Margin : Minimum 25% on the value of the property.
For purchase of ready built commercial space, the borrower should
bring in full margin amount prior to release of limits by the Bank
Where construction is involved, it shall be on pro rata basis
Repayment : 7 years (84 EMI)
Documents : IT Returns for 3 years for applicant
Project report
dealer
Scheme for Financing Jewellery Artisans
Objective : To extent financial assistance at competitive pricing
Purpose : Purchase of Gold / Composite loan for other purposes also
Eligibility : Gold smiths identified by the branches. KYC norms to be adhered to
Quantum of loan Maximum of Rs 5 lakhs
Facility : Composite Loan or Cash Credit
Security : Only CGTSI guarantee.
Margin : 10 %
Processing charges : No processing charges
Tie-up with Mico Bosch

Name of the Scheme : INDART TOOLS
Purpose : Artisan friendly loan scheme for purchase of power tools to help
artisans to improve efficiency and income
Eligibility : All artisans and self employed persons who are engaged in
the field of carpentry and wood works, servicing & repairing of
automobiles, electrical and sanitary servicing and other related
works.
Branches to identify the Artisans operating in their command area
for the purpose. MICO also may identify prospective borrowers
and refer them to Branches.
42
Target Group for Financing
• Carpenters
• Interior Decorators
• Electricians
• Plumbers
• Building demolishers - Vasthu contractors
• Fabricators
• Auto-Mechanic
• Applicators - Anchor Fixing
• Self Help Groups
• Vehicle water servicer
• Other Artisans
Maximum Loan limit : Upto Rs.1.00 lakh
Type of Loan : Composite loan/term loan/Cash Credit
For purchase of Tools, required working capital, Cost of materials/
input (Inclusive of consumption expenses not exceeding Rs
5000/-, wherever necessary).
Applicable Product parameter Code under CBS to be used.
Margin : NIL up to loan amount of Rs 50000/-.
10% for loan amount above Rs 50000/- to Rs 100000/-
Security : Hypothecation of tools purchased out of the loan.
No collateral security/ third party guarantee
CGTSI cover compulsory.
Guarantee fee on : Of applicable Guarantee fee of 1.50%, Bank will bear one third viz
CGTSI cover 0.5% of Loan amount.
The annual service fee (0.75%) to be borne by the borrower.
Personal Insurance : Personal Insurance under Bank Scheme to be part of the Scheme
product - IB Jeevan Kalyan or any other related Scheme.
Structured Product for financing to entrepreneurs identified by ESP of BYST/

BYST & BANK:
Loan Amount : Upto Rs. 50.00 lacs (inclusive of BYST fee)
Margin : Up to loan of Rs. 50,000: Nil
Above Rs. 0.50 lacs and upto Rs. 5 lacs: 15%
Above loan of Rs. 5 lacs: 25%
Interest rate : Interest rate structure under the scheme shall be as under:
Up to Rs. 2 lacs: BPLR-1
Above Rs. 2 lacs: BPLR (for micro enterprises) : BPLR+1 (for small
enterprises)
43
Repayment period : 5 years to 7 years.
However, based on cash flows, repayment period may be reduced
by sanctioning authority.
Moratorium : Upto 6 months
Processing charges : Upto Rs. 5 lakhs: Rs. 250/= + service tax
Above Rs. 5 lakhs:
As per norms prescribed from time to time
Facility : Composite Loans with repayment by way of EMIs
Primary Security : Stocks / Fixed assets created out of Composite Loan
Collateral : Nil
To be covered under Credit Guarantee Scheme of CGTMSE
Cost to BYST towards As detailed below
evaluation, selection
A. Upfront compulsory Support service charges :
and mentoring (BYST
Support Service Up to first 12 months:
charges)
• Up to Rs.5 lakhs - @ 3% p.a. of the sanctioned amount or
Rs.5000 , whichever is higher, subject to a maximum of
Rs.10000/-
• Above Rs.5. lakhs and up to Rs.15 lakhs - @ 2% p.a. of the
sanctioned amount subject to a maximum of Rs.22,500.
• Above Rs.15 lakhs and up to Rs.25 lakhs - @ 1.50%
p.a. of the sanctioned amount subject to a maximum of
Rs.30000/-
Rs.40000/-
B. In 2nd year at the same rate as in the 1st year.
C. If the joint ESP extends mentoring period beyond 24 months
then for the third and fourth years-
• Up to Rs.5 lakhs it will be @ 2% p.a. of the sanctioned
amount or Rs.3000/- whichever is higher subject to a
maximum of Rs.6000/-
• Above Rs.5 lakhs and up to Rs.15 lakhs - @ 1.20% p.a of the
sanctioned amount subject to maximum of Rs.15,000/-
• Above Rs.15 lakhs and up to Rs.25 lakhs - @ 1.00 %
p.a of the sanctioned amount subject to a maximum of
Rs.20,000/-
Rs.30,000/-
Documentation : As per bank norms .Authorisation from borrower to recover /
44 deduct the mentoring charges for the project cost from loan
amount and remit to BYST
IB TRAVEL TOURS
Features : Details
Aim/Purpose : To Finance the Travel/Tour Agents engaged in Flight/Train
Ticketing and obtention of Passport and Visa
Target Group : Travel agents firms/companies engaged in Flight/Train Ticketing
and obtention of Passport and Visa
Eligibility : 1. Travel agents in the line of business for at least 3 years.
2. Should have made a profit for last 2 years
3. New companies/ companies with below 3 years of existence
could be financed in case they have definite tie ups with MNCs/
IT firms/ accreditation with IATA etc.
KYC and other related norms of the Bank are applicable.
Facilities : a) Term Loan for Infrastructure like Office building, interiors,
furniture, computers, vehicles, mobiles etc
b) Working Capital limits in form of Secured OD
c) Guarantees favouring IATA
d) In case of leased accommodation, the lease amount may be
financed by way of Short Term Loan repayable in 24 months
Margin : a) Term Loan 25%
b) Working Capital 30% on EM property
c) Guarantee 10%
Processing /EM : As per norms
Charges
Security : Term Loan
Hypothecation of fixed assets created out of Term Loan
Secured OD
Hypothecation of receivables & EM of property offered as security
for Sec. OD.
Guarantee
Counter guarantee by the borrower.
Residual value of the EM property for Sec. OD should cover the
guarantee liability.
In case of sanction of Term loan alone:
1. CGTMSE cover to be obtained upto Rs.50.00 lakhs
2. Collateral security of 100% to be obtainced for limits above
Rs.50.00 lakhs.
IB CATERER. 45
Particulars : Details
Aim/Purpose : To Finance the Catering service providers engaged in undertaking
catering services, related event managements etc.
Target Group : Catering service providers
Constitution Proprietary/Partnership/Limited Companies/Trusts
Eligibility : 1. Caterers in the line of business for at least 3 years.
2. Should have made a profit for last 2 years
3. New companies/ companies with below 3 years of existence
could be financed in case they have definite tie ups with MNCs/
IT firms/reputed Corporate etc.
KYC and other related norms of the Bank are applicable.
Facilities : a) Term Loan for Infrastructure like Office building, interiors,
furniture, computers, vehicles, mobiles etc
b) Working Capital limits for stocks/book debts
c) Guarantees favouring MNCs
d) In case of leased accommodation, the lease amount may be
financed by way of Short Term Loan repayable in 24 months
Margin : a) Term Loan 25%
b) Working Capital 20%
c) Guarantee 10%
Limit : Upto Rs.10.00 crores (FB+ NFB) May be relaxed based on need by
the sanctioning authority upto his powers.
Processing Charges : As per norms
Documentation : As per norms
Security : Hypothecation of fixed assets and current assets.
Limits upto Rs.50 lakhs, no collateral security & to be covered
under CGTMSE
Limits above Rs.50.00 lakhs, collateral coverage should be at
least 100%
IB-BEML-EQUIP-FINANCE:
Structured Loan Product for financing contractors in association with
BEML Limited
Target Group : Contractors and others who are in the business of civil construction,
transportation and earth excavation work etc.
Eligibility : Contractors and other individuals with sufficient experience in the
field.
46 Purpose : For purchase of construction equipments / earth mover machines/
vehicles manufactured by BEML - For own use or for the purpose
of hiring/ lease operations.
Type of Loan : Term loan
Eligible Amount : The cost of the equipments supplied by BEML. Loan amount
shall be a maximum of 90% of the cost of the equipment and
eligibility shall be arrived based on the repayment capacity taking
into account the income in the past years and cash flow projected
for the future. Average DSCR should be minimum of 1.50 and
any year shall not be lower than 1.50 p.a during the repayment
period.
Margin : 10% on the cost of the equipment
Rate of Interest : 1) BPLR+TP minus 1.50% - for Loan up to Rs.50 Lakhs
2) BPLR+TP minus 1.00% - for Loan above 50 lakhs to Rs.300
lakhs.
(subject to any change in structure of minimum lending rate.)
Security : 1) Hypothecation of the vehicle/ equipment/ machine purchased
from BEML. Our Bank’s lien shall be marked on the Registration
Certificate of the Vehicle/ Equipment.
2) All loans up to Rs.1.crore should be covered under CGTMSE
scheme. Borrower to bear the one time guarantee premium/
annual service fee.
3) As regards loans above Rs..1.00 crore
• The additional/ Collateral security in respect of existing
customers shall be extension of such securities offered for
the existing exposure.
• In respect of new Customers, the Circle Heads shall have
the discretion to stipulate additional/ collaterals as deemed
fit in his discretion as sanctioning authority/ or those falling
under discretion of Branch Managers under his control.
4) In respect of customers falling under the HO powers,
HO/ Sanctioning authority shall decide about the security
coverage.
5) Wherever the vehicle/ equipment are leased out to reputed
companies, effort should be made to register a Power of
Attorney to receive the monthly payment from the hirer
directly.
Repayment period : Maximum 84 months including moratorium period not exceeding
6 months. Interest during moratorium period to be serviced.
Repayment on EMI basis.
Insurance : The assets created out of Bank’s finance are to be insured for full
market value against all risks with agreed Bank clause.
Role of BEML : The prospective buyers will be identified by the Company and they
will be directed to the branch of their choice. 47
BEML will provide ample publicity to our Bank in their Business

advertisements.
They will also provide support by finding alternate buyers in case
of default by the borrower and help in resale of the equipments
when the bank takes possession of the vehicle/ equipment.
Processing charges : Waived.
Sanctioning Powers : As per existing delegated powers
Coverage of MOU : Throughout India
Interest Rate Structure for SLP Advances

Name of the product Prevailing rate of interest (w.e.f.
17.01.2009)
IND SME SECURE BPR-0.75 to BPLR+1.75
Based on collateral and rating
My Own Shop BPLR+TP+1.25
IB Doctor Plus WC- BPLR-1.25
TL (equip)- BPLR+TP-1.75
TL (bldg) – BPLR+TP-0.75
IB Professional plus BPLR+TP+0.25
IB Ayushmaan WC- BPLR+0.25
TL- BPLR+TP+0.75 to BPLR+TP+1.75%
Based on class
IB Annapoorna BPLR +0.25
IB Vidya Mandir BPLR+TP+0.25 (upto 20 lacs)
BPLR+TP+0.75
IB BPO Finance BPLR+0.25
IB Shanti Niketan BPLR+1.25 & BPLR+TP+1.25
IND Vahana BPLR+TP-0.25 to BPLR+TP+0.25
Based on collateral
IB Travel Tours BPLR+TP+0.75%
Working Capital
BPLR +0.75%.
For Medium Enterprises
BPLR+TP+2.75%
BPLR +2.75%
IB Caterer BPLR+0.75%
BPLR+TP+0.75%
48
The Saraswat Bank
India’s leading Co-operative Bank, the Saraswat Co-operative Bank has special schemes for
existing and aspiring MSME. With our hassle free approach and quick disbursal of loans, we
help them become Smart and Money making Enterprises.
The facilities that we offer under our SME segment are

• Working Capital
• Term Loan
• Import Finance
• Export Finance
• Bill Discounting
• Letter of Credit
• Bank Guarantee
Our Specialty
• Hassle free approach
49
• Quick disposal of application
• Low processing fee
• Attractive Interest Rates
• No hidden charges
For further details or an enquiry you may contact us on:

022-24222292 / 022-24311314
The Saraswat Bank offers the following facilities to SME’s

1. Working Capital :
Type of facility : Cash credit and Over Draft
Quantum of Finance : Need Based
Margin : 25% to 30% also comfortable margin options are available
Security : Hypothecation of stock, book debts
Interest Rates : Linked to PLR
2. Term Loan:
Purpose : For purchase of factory building, furniture, machinery,
equipment, vehicle etc
Quantum of Finance : Need Based, i.e depending upon the project cost, turnover etc.
Margin : 30% to 50%
Security : 1. Hypothecation of Machinery, furniture-fixture, equipments,
vehicle, mortgage of premises to be purchased.
2. Two Guarantors
Repayment : Spread over 60 months to 84 months(depending on the nature
of activity)
Interest Rates : Linked to PLR
NO PREPAYMENT CHARGES
3. Bill Discounting:
Purpose : to supplement temporary liquidity requirement
Eligibility : Profit making track record for atleast 3 years / Projections of 3
years for new business.
Facility : Short term bills upto 90 days
Bills drawn on Govt Depts
50 Against accepted bills drawn under L/C (DA) by prime banks.
Margin : NIL for accepted bills, 25% against other bills.
Security : Charge on assets wherever required.
4. Bank Guarantee :
Types of Guarantees : a. Performance Bank Guarantee
offered
b. Bid bond Bank Guarantee
c. Earnest Money Bank Guarantee
d. Security Deposit Bank Guarantee
e. Advance payment Bank Guarantee.
Period : Maximum 3 years
Margin : 10% to 25% (case to case basis)

022- 24222292 / 022-24311314
A special initiative taken by Saraswat Bank enabling Women
Entrepreneurs for setting up new projects in tiny/small scale
and medium scale enterprises.
Our Specialty
• Hassle free approach • Quick disposal of application • Low processing fee
• Low rate of interest specially for women • Nil margin* • No hidden charges
Micro Enterprises Small Enterprises Medium Enterprises

Facilities Term Loan Term Loan Term Loan
Working Capital Working Capital Working Capital
Eligibility Having knowledge A proper business Must be established in
or experience of the proposal in case of the field for the past 3
activity to be started a new business. years
Tax returns & P/L Tax returns & P/L
Statement for 1 Statement for last 3
year for existing years.
business. Profit making entity.
Profit making entity
Quantum of Finance Maximum upto Rs. Term Loan upto Rs Term Loan above Rs
2.00 lacs 50.00 lacs 50.00 lacs upto Rs.
1.00 Crore
Security Hypothecation Hypothecation + Hypothecation + 2
51
+ Guarantee of 2 Guarantors + Guarantors + Collateral
(spouse/ a family Collateral Security Security (30%)
member wherever (25%)
required)
Margin Nil 20% - 25% 20% - 25%
Special interest PLR – 0.5% only. For PLR – 0.5% only For Only PLR For women
rates women beneficiary women beneficiary beneficiary
Repayment 72 months 72 months 84 months
Processing Fees Rs 500/- only Rs 750/- Only Only 0.1% of the

sanctioned limit

022-24222292 /022-24311314
Name : Mrs Urvashi A. Dharadhar
Designation : General Manager
Organisation : The Saraswat Co-operative Bank Ltd
Address : 263 Madhuhans, Opp Old Passport Office, Off Dr A.B Road,
Worli, Mumbai – 400030
Tel : 022-24222292
Fax : 022 – 24227481
Email : ua_Dharadhar@saraswatbank.com
Cell No : 9820506063
Shamrao Vithal Co-op Bank Ltd.
Loan
52
Deposit
53
SIDBI
54
55
56
State Bank of India
57
58
59
60
61
Union Bank of India
UNION HIGH PRIDE:

Purpose : • Term Loans for purchase of Machineries/equipments,
construction of industrial shed/Gala for industrial units
• Working Capital needs of mid segment industrial firms
• Working Capital/Term Loans in case of Trading units/Business
Enterprises/ Service units
Quantum : Above Rs. 5 crs upto Rs. 25 crs
Nature of facility : Working Capital / Term Loan
Eligibility : Companies / Trading firms / Business Enterprises/ Service units
requiring credit facilities above Rs. 5.00cr up to Rs. 25.00cr
OR
Mid Corporate Enterprises with Investment in Plant & Machinery
above Rs. 1 cr up to Rs. 10 cr
62
Credit Rating of unit should be CR-4 or above
Appraisal : For Working Capital - based on Flexible Bank Finance method
For Term Loan - as per extant guidelines for assessment of Term
Loans
Ideal acceptable Financial Ratios:
• Current Ratio - 1.10:1
• Debt Equity Ratio - 3.00:1
• TOL/TNW - 4.00:1
Security : Prime – Hypothecation of current assets in case of Working Capital
facilities and first charge on Plant & Machinery / equipments in
case of Term Loan
Collateral – EM of factory land and building, wherever available.
Advance to be covered by collaterals covering at least 20% of the
exposure (FB+NFB)
Personal guarantee of Promoters
Interest : For Working Capital: As per the internal Credit Rating maximum of
(BPLR + 1.25%) and minimum of (BPLR – 0.50%)
For Term Loan: As per Credit Rating maximum (BPLR + 1.75%)
and minimum BPLR
* A premium of 0.25% is added to floating rate to arrive at Fixed
rate
Interest : * Additional concession of 25 to 50 bps for highest and 2nd
highest rated accounts by SMERA and CRISIL
* As applicable with reference to the latest interest rate circular
Margin : 20% of Working Capital and Term Loan
Repayment : For Term Loans – not to exceed 7 years including moratorium
period
Other facilities : 1. Multicity cheque books to be made available to “Union High
Pride” borrower subject to fulfillment of criteria
2. Time frame for sanction/renewal of “Union High Pride”
proposals- within 15/7 days respectively from the date of
submission of proposal by the party for fresh and existing
accounts
3. “Union High Pride” Borrower having multi-city trade dealing
can utilize our CMS product on attractive terms
Take-over Code : • The CR and TOL/TNW ratio of the borrower unit should be in
line with norms fixed for such unit, as per the latest audited
balance sheet which should not be older than 12 months
• The unit should have earned post-tax profits in each of the
immediately preceding 2 years
• The underlying assets should be distinctly identifiable
• The average DSCR for the project should not be less than
1.50 at the time of take-over or for the remaining period of 63
advance
• The term loan proposed to be taken over should not have been
rephrased by the existing FI / bank after commencement of
commercial production
UNION PROCURE:
Purpose : Financing of receivables through bills discounting relating only
to the products supplied by vendor to the concerned Corporates
only.
Quantum : Minimum Rs. 25 lacs and Maximum Rs. 5 crs
Nature of facility : Bill Discounting Scheme i.e. UBD
Eligibility : Selected vendors supplying to identified large Corporate borrowers
of the bank
Appraisal : For SSI units - Turnover method up to limit of Rs. 5 cr
For others - Turnover method up to limit of Rs. 1 cr, and Flexible
Bank Finance for above Rs. 1 cr
• Current ratio = 1.10:1 and TOL/TNW = 4:1
• Total Long term liability to equity should not exceed 2
* Loans and deposits from family members may be treated as
quasi equity for arriving at the TNW provided subordination is
supported by undertaking in writing
Security : Prime – DA bills drawn by Vendors duly pre-accepted by the
corporates (with recourse to the vendor and Corporate in the
event of dishonor)
Collateral – Tangible collateral security in the form of land,
building, bank deposit etc. to cover at least 10% of the advance
Interest : BPLR + 0.25%
Margin : Nil
Repayment : On maturity of the bill
UNION SUPPLY:
Purpose : Financing purchases of dealers through buyers’ bills discounting
relating only to products supplied by the concerned corporate
Quantum : Minimum Rs. 25 lac and Maximum Rs. 5 cr
Nature of facility : Bills Discounting Scheme in the account of the dealer (Buyers’
UBD) drawn by a Corporate
Eligibility : Selected authorized dealers of identified large Corporate
borrowers of the Bank
Appraisal : For SSI units - Turnover method up to limit of Rs. 5 cr and
For others Turnover method up to limit of Rs. 1 cr and Flexible
Bank Finance for above Rs. 1 cr
64
• Current ratio = 1.17:1 and TOL/TNW = 4:1
• Total Long term liability to equity should not exceed 2
* Loans and deposits from family members may be treated as
quasi equity for arriving at the TNW provided subordination is
supported by undertaking in writing
Security : Prime – DA bills drawn by the Corporate duly accepted by the
dealers OR accepted challans/invoice
Collateral – Tangible collateral security in the form of land,
building, bank deposit etc. to be obtained to cover at least 30%
of the advances
Margin : Nil
Repayment : On maturity of the bill
UNION CYBER
Purpose : Term Loan for setting up internet/cyber café for purchase of
Computers/PCO Equipments, furniture etc. at rural, semi urban
and urban centers
Quantum : Maximum Rs. 3 lac
Nature of facility : Term Loan
Eligibility : Minimum Qualification – Minimum S.S.C. passed
Age – between 18 to 30 years, should possess a certificate having
completed a basic computer knowledge course
* Women entrepreneurs are given preference
Appraisal : Regular Appraisal method be applied
Security : Prime – Hypothecation Of assets to be acquired out of Bank
Finance
Collateral – Nil
Third Party Guarantee
* The loan is to be covered under Credit Guarantee Scheme of
CGTMSE
Margin : 20% of Term Loan
Repayment : 3 to 5 years depending upon the cash flow
FINANCING the purchase of GENERATOR SETS in power deficit states

Purpose : To purchase a new diesel generator set of a standard company of
appropriate capacity depending upon the size of the unit
Quantum : For Micro Enterprises –
Manufacturing (up to 50KVA) – up to Rs. 5 lac 65
Services (up to 25KVA) – up to Rs. 4 lac
For Small Enterprises –
Manufacturing (up to 125KVA) – up to Rs. 8 lac
Services (up to 100 KVA) – up to Rs. 7.50 lac
For Medium Enterprises –
Manufacturing (up to 250 KVA) – up to Rs. 15 lac
Services (up to 160 KVA) – up to Rs. 10.50 lac
Eligibility : All registered MSME units that are financially viable and located
in Bihar, Haryana, Andhra Pradesh, Jharkand, Madhya Pradesh,
Maharashtra, Tamil Nadu, Nagaland, Tirupura and Uttar Pradesh
Enjoying credit limits with Union Bank or having account with the
Bank and do not enjoy credit facilities with any other bank
Credit Rating Minimum CR-5
Appraisal : Average DSCR should be minimum 1.25:1 and above
Security : - Mortgage of asset created out of Bank Finance
- Extension of charge on Fixed Assets
Interest : * As applicable with reference to the latest interest rate circular
Margin : 15% of the Term Loan
Repayment : Maximum period of 60 months with moratorium period of 6
months
Processing charges : 50% of applicable charges.
UNION SME PLUS

Purpose : • All kind of genuine credit needs of temporary nature to tide
over liquidity crunch
• Repayment of high cost short term borrowings
• Temporary delay in shipment / realization of book debts
• Sudden increase in raw material cost
• Mismatch in Cash Flow
Quantum : Adhoc Working Capital limit up to 20% of the existing overall Fund
based credit facilities in respect of unit having over-all fund based
credit facilities up to Rs. 10 cr
Nature of Facility : Demand Loan
Eligibility : Borrower Accounts belonging to Small Scale entrepreneurs /
Medium Enterprises
Earned profits consistently for the preceding three years and who
have not defaulted in any of their commitments
Borrowers with existing overall Fund-Based credit facilities up to
66 Rs.10 cr
Details of the : Adhoc Working Capital or Non Fund Based limit will be sanctioned
while renewing/reviewing the total limits of the existing borrower
Scheme
This facility will not be available for EPCG, DPGL and for L/C & L/G
if the period of L/C, L/G is more than 90 days
The limits sanctioned will be in the nature of Demand Loan,
repayable within one year with a moratorium of six months
During the moratorium period, the borrower has to pay the interest
charged from time to time
It can be given for maximum two times in a year
It will be backed by adequate Drawing Power
For new borrowers, this limit will be available only after regular
renewal of the limit
Security : Prime - Extension of Bank’s charge over current and fixed assets
Collateral - Extension of charge over existing collateral
Personal guarantee of proprietor/ partners/ directors
Margin : Minimum - 25%
Interest : 2% above the applicable rate of interest based on the internal
credit rating of the bank
Repayment : Limit outstanding/disbursed should be adjusted within a
maximum period of one year with a moratorium of six months.
During moratorium period, interest to be serviced from time to
time
UNION TRANSPORT
Purpose : To finance transport operators upto 10 vehicles of all make, Utility
Vehicles, Light Commercial, Medium Commercial, Luxury, and
Heavy Commercial Vehicles
Quantum : Up to Rs.15.00 lac for 1 to 2 vehicles
Up to Rs. 350 lac per fleet operator for owning not more than 10
vehicles
Eligibility : Individual or association of not more than 6 persons
Corporates/firms engaged as fleet operators owning not more
than 10 vehicles including the one proposed to be financed
Security : Prime – Assets created out of Bank Finance (Vehicles)
Collateral – Equitable Mortgage of property or hypothecation of
existing vehicles or any other tangible security value of which
should not be less than 25% of loan amount.
Third party guarantee with acceptable means.
* If the finance is eligible under Credit Guarantee Scheme of 67
CGTMSE, collateral security will be Nil
Interest : For loans up to 15 lac: BPLR + 0.75%
For loans between 15 lac and 1 cr: (BPLR + 0.50%)
For loans above 1 cr: (BPLR + 0.25%)
Margin : 20% of the Term Loan
Repayment : Up to 5 years with a moratorium of 6 months
FINANCING SMALL HOSIERY UNITS in Kolkata

Purpose : For replacement or purchase of new machinery/equipment and
to meet Working Capital needs of the units
Quantum : Term Loan and Working Capital to be financed will have a maximum
finance of Rs. 20 lac with in which Working Capital limits should
not exceed Rs. 5 lac
Nature of facility : Working Capital / Term Loan
Eligibility : Proposed activity should be situated in and around Kolkata
Present activity should be profitable for the last 3 years with
increase in sales turnover
Proposed activity should be technically feasible and economically
viable Credit Rating - Min. CR-3 and above
Appraisal : Term Loan will be considered as per the Bank’s norms taking into
account the projected cash flow, DSCR
Working Capital as per the applicable method
Security : Term Loan – Hypothecation of Plant & Machinery. Assets to be
acquired through Bank finance
Working Capital - Hypothecation of paid up stocks not older than
3 months and trade debtors not exceeding 6 months
Interest : For Working Capital: BPLR
For Term Loan: (BPLR + 0.75%)
under CGTMSE 0.50% interest
Margin : 15% for both Term Loan and Working Capital limits
Repayment : Term Loan - in 84 months maximum period of 6 months
Working Capital – To be renewed/reviewed every year
FINANCING REPLACEMENT OF OLD TAXIES in Kolkata metropolitan

development area
Purpose : For financing New BS-III taxies (Diesel/LPG) after replacement of
old metered BS-III taxies
Quantum : Rs. 3,22,000/-
68
Insurance : The vehicle will have to be comprehensively insured with
mandatory bank clause
Eligibility : Owners of old metered BS-III (Diesel/LPG) taxies which were
registered prior to 1.1.1993, having valid rout permit from public
vehicle department, Kolkata or RTA
Owners should possess valid driving license
Security : Hypothecation of vehicle
* The advance will be covered by CGTMSE scheme
Interest : 11.00% (Presently 0.75% below BPLR)
Margin : Own contribution Rs. 10,000/- (minimum)
Replacement Value of existing vehicle (to be provided by Hindustan
Motors Ltd.) Rs. 45000/-
Government Subsidy Rs. 20000/-
Total Rs. 75000/- (about 18.5% of the unit cost)
Repayment : 60 equal monthly installments with maximum moratorium period
of 3 months
FINANCING purchase of LPG driven AUTO RICKSHAW in Chennai metropolitan area

Purpose : To purchase LPG driven, 3 seater, new auto ricksaw under loan
cum subsidy scheme
Quantum : Loan amount is restricted up to 90% of the cost of vehicle subject
to maximum of Rs. 1,08,000/-
* Cost of vehicle inclusive of Insurance, Registration, Road Tax
and cost of digital and fare meter
Eligibility : Applicant should be a resident of Chennai metropolitan area
Scheme is applicable for driver cum owner only
Age of applicant should be between 25 and 40
Applicant should possess valid driving license with badge
number
Applicant should not already possess any auto rickshaw permit
Family income of applicant should not exceed Rs. 36000/- p.a.
More than one permit shall not be allotted to the same family
under this scheme
* Preference will be given to Women and SC/ST candidates
Security : • Hypothecation of vehicle. Bank lien will be marked on RC
book of the vehicle and also in the permit issued by Regional
transport authority
• The Subsidy (back ended) of Rs. 25000/-will be treated as
collateral security
Interest : 11.50%
69
Margin : 10% of cost of the vehicle
Repayment : 60 equated monthly installments
Upfront fee : 1% of the loan amount will be levied
UNION SUPPORT
Purpose : Composite term loan for purchase of shops, office equipments
including vehicles etc. and meeting working capital requirements.
The loan can also be extended for purchase / renovation, repairs
of the business premises, equipments also. Working Capital
portion will be maximum upto 50% of the total loan sanctioned.
Quantum : Maximum Rs.20 lacs.
Eligibility : Qualified individuals with reasonable experience, proprietary
firms/partnership firms.
Security : Mortgage of shop premises purchased out of Bank’s finance, if
any. Hypothecation of machinery /equipment / stock / goods /
vehicles.
Collateral - Nil.
Interest : BPLR - 0.75%, at present 11.00%
Margin : 20%
Repayment : 3 to 5 years in line with the projected cash flow.
Processing fee : 50% of applicable charges.

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Foreword .............................................................................

Bank of Baroda . ................................................................. 4

Bank of Maharashtra ......................................................... 10

Development Credit Bank .................................................. 14

HDFC Bank . ........................................................................ 17

ICICI Bank Ltd ..................................................................... 20 1

IDBI Bank ............................................................................ 24

Saraswat Co-op Bank Ltd. . ................................................ 49

Shamrao Vithal Co-op Bank Ltd. ....................................... 52

State Bank of India.............................................................. 57

Union Bank of India............................................................. 62

I hope the MSME Sector finds the booklet useful

Naushad Forbes (Dr)

I hope the MSME Sector finds this book of practical use.

Purpose : To provide hassle free on the spot assistance to take care of

BARODA OVERDRAFT AGAINST LAND AND BUILDING

Purpose : To provide hassle free credit to SME borrowers to meet working

In case of residential/commercial building, age of property should not be more

BARODA VIDYASTHALI LOAN

Purpose : To meet the financial requirements for setting up the institutions

BARODA SME LOAN PACK

Category Maximum extent of Guarantee where credit facility is

(B) Rate of Interest according to Risk Based Pricing:(w.e.f: 19/01/2009)

(II) For Term Loans only:

BPLR at present is 12.25

DCB’s Credit Facility for customers

DCB CASH MANAGEMENT SERVICES

Cash Management Services include the following:

Export Solutions : • Packing Credit

Details of Schemes / Products offered to MSMEs

The ICICI Bank Edge

ICICI Bank’s Dealer Financing

22 The SME toolkit is truly a one-stop shop for small businesses.

Entrepreneurial Development Fund

Dealer Finance Programme

Lending Against The Security Of Future Credit Card Receivables

SME Hosiery Current A/c

Lending Against The Security Of Future Credit Card Receivables

Working Capital Financing to IT & ITES Entities

Working Capital Financing to IT & ITES Entities

Laghu Udhyami Credit Cards

Laghu Udhyami Credit Cards

Finance to Medical Practitioners 29

Finance To Medical Practitioners

Loans to Professionals & Self-employed

Loans To Professional & Self Employed

Loans to Small Road & Water Transport Operators (SRWTOs)

Loans to Small Road & Water Transport Operators (SRWTOs)

Sulabh Vyapar Loan

Vendor Finance Programme

The scheme is generally applicable only to resident Indians (either

Loan restricted to 50% of the eligible amount if experience is less

40 For limits above Rs 1.00 lakh, hypothecation of Equipments/

Where creation of tangible security is not involved, LIC Policy to

Proof of professional qualification

Statement of a/c for 6 months of the unit or promoters

Estimate for renovation duly approved by panel engineer

Valuation report and legal opinion in respect of EM property

Quotation for equipment / vehicle to be purchased from reputed

Sale agreement for proposed purchase of immovable property

Tie-up with Mico Bosch

Structured Product for financing to entrepreneurs identified by ESP of BYST/

BEML will provide ample publicity to our Bank in their Business