Strategic Financing for Your Business Excellence

Comprehensive credit solutions designed to provide timely and adequate financial support to Micro, Small, and Medium Enterprises.

The Bharat MSME scheme is our specialized credit suite aimed at providing a strong financial foundation for MSME units. Whether you are seeking operational liquidity or long-term capital for infrastructure, this scheme offers a dual approach: Cash Credit  for managing daily working capital needs and Term Loans for fixed asset acquisition. With competitive margins and flexible repayment tenures, we ensure your enterprise remains agile and growth-oriented.

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Purpose Bank credit to Micro, Small and Medium Enterprises, to meet the needs of small businesses at any stage of their growth.
Loan Amount Maximum up to ₹500 Lakh.
Min. Margin

20% of the Total Project Cost.

25% of Current Assets
Tenure

Term Loan :Maximum 120 Months* (Inclusive of Moratorium).

Cash Credit : One Year (Renewable on an annual basis).
Security Charge on Assets purchased out of Bank Finance and for Working Capital Limits – Stock & Receivables covered by adequate Primary/Collateral Security {Existing/Proposed}

  • Target Group: All eligible Micro, Small, and Medium Enterprise (MSME) units.

  • Application Processing (Turnaround Time):

    • Up to ₹5 Lakh: Within 2 weeks.

    • ₹5 Lakh to ₹25 Lakh: Within 3 weeks.

    • ₹25 Lakh to ₹500 Lakh: Within 6 weeks.

  • Disbursement: The sanctioned loan is generally disbursed withintwo working daysafter compliance with all terms and conditions.

  • CIBIL Score: A CIBIL Credit Report is mandatory and must be taken on record for assessment.

  • Is a repayment schedule provided? Yes, the bank provides an amortization schedule detailing the breakdown of principal and interest for the entire duration of the loan.

  • Can the margin requirement be deviated? Any deviation from the standard scheme guidelines requires approval from the appropriate authority with proper justification.

  • What documents are needed to start? The bank provides a comprehensive checklist along with the loan application form free of cost.

Service Charges, Margin & Rate of Interest :
- As Applicable from time to time

Calculate EMI

Interest Rate

15.5%

₹1,50,000

₹50,000 ₹50,00,000

2 Years

1 Year 5 Years
Your Monthly EMI will be

₹1,50,000

Amount Payable

₹8,29,097

Interest Amount

₹1,50,000

Principal Amount

₹1,50,000

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