MSME Structured Loan Products

IND SME SECURE All Micro, small & Medium Enterprise ( Mfg& Service) Working Capital upto Rs.5 crs T/O Method Working Capital over Rs.5 crs - MPBF ( 2 nd Method)

IND SME SECURE Quantum of loan: Secured OD Minimum : Rs lacs Max per borrower : Rs crores Max per group : Rs crores PC, FBP, FBN MAY ALSO BE CONSIDERED

IND SME SECURE 75 % TO 150% COVERAGE OF Bank Margin: 25% on plant and machinery 25% on stocks/book debts 30 % on Buildings 10 % cash margin on FBN facilities.

IB Doctor Plus Target Group: Qualified Medical Practitioners with good track record Individuals/ Regd Partnership/ Limited Company/ Trust etc For buying equipments/ vehicles, to set up clinic, clinic cum residence, nursing home, Medical Lab/ stores etc Key promoters or their spouses should be qualified Doctors.

Dr + Limit : Minimum Rs.1.00 lac to maximum as per discretionary powers (ZMs may consider loan upto their delegated powers for secured loan) Margin: upto Rs.5.00 lac % above Rs.5.00 lac 20% 15% margin in rural/semi urban areas for both the slabs

Dr + Security: Upto Rs lacs : No collateral security/ third party gtee. Hyp of assets created out of bank loan. To be covered under CGTMSE Above Rs.10.00lacs: Hyp of assets and collateral in the form of LIC policies or other collateral security for shortfall in security. Repayable in 120 months with 3 m moratorium

My own shop Individuals/ Professionals/ firms and businessmen, with minimum 3 years in the activity, are eligible (ZM can reduce to 2 Years) Age not more than 50 (ZM can extend upto 60) New commercial space or second hand Purchase( with residual life of repayment period plus 2 years) or construction/ renovation of business premises.

My Own Shop Loan Amount: 36 times monthly gross or 60 times monthly net income whichever is Higher Self employed – Gross income net of tax before depreciation Firms & cos – 5 times cash profit of immediately preceeding year or 4 times average cash profit for the last 3 years which ever is higher Upto the maximum of Rs lacs ZM can sanction upto Rs lacs

My own Shop Margin: 25 % on value of property Repayment period: 120 months including Holiday period ( 3 months of ready built and Max of 12 months for construction) Security: upto lac – No collateral/third party gtee but CGTMSE Above Rs lacs - Third party gtee & EM on commercial property to be acquired

IB Vidya Mandir For reputed Educational Institutions for construction of RCC buildings or upgradation roffing with cement sheet/fibre glass/ GI sheets, all equipments Term Loan eligible upto Rs.3.00 crores Margin: Upto Rs.2.00 lacs Nil Above 2.00lacs : 10% Equipments 25% bUILDING

Vidya Mandir Repayment Period: 10 years (including holiday period if any) fixed on monthly,qtr yeaerly, half, annual based on Cash flows. Security: Upto Rs.2.00 lacs- Personal guarantee of promotors. Above Rs.2.00 lacs- EM of school building/ other collateral securities.

IB Contractors To finance contractors carry out work orders from Central/ State Govts or PSUs on regular basis Minimum 3 years experience Net profit for the last 2 years Types of facilities available: Working Capital: Sec OD / BP Term Loan to procure machineries/ vehicles and also Guarantee/ LC

IB Contractors Mini. Limit Rs lacs Max Rs.5.00 Cr(FB+NFB) per borrower Max Rs Cr(FB+NFB) per group Margin: 50% on EM of property 20 % on Equipments 15 % on Bill finance 10% cash margin on Gtee/LC

IB Contractors Repayment Period for Term Loan: 84 months (including HP) Security: Sec OD: EM of property (200%) Term Loan: Hypn of equipment Agricultural property not be accepted BG – Counter gtee by applicant LC Cash margin by way of FDR BP Undertaking from debtors to make payment diretly to the Bank

IB Star Rice Mill All existing/ fresh rice mills are eligible Not below BBB rating, Net profit for minimum period of 2 years Purpose: Acquisition of new machinery Factory building for modernization Working capital needs Quantum of Loan: Term Loan based on Project cost Working Capital Loan upto Rs.5.00 Cr under Turnover Method, Above Rs.5.00 Cr MPBF II Peak level / non peak level to be fixed

Star Rice Mills Margin: Term Loan: Machinery—25% Land and Building – 30% Working Capital: Stocks (where limit less than1 Cr)- 20% Stocks (where limit more than 1 Cr-25 Book Debts (upto 90 days tenor)- 25%

Star Rice Mills Repayment Period: Term Loan: Max of 7 years including gestation period of 12 months Working Capital loan to be renewed every year with half yearly Review Security: Upto Rs lacs: No collateral. To be covered under CGTMSE Above Rs lacs: Addl security by EM

IB BAL- Tie up with Bajaj Auto Ltd To finance transport operators (micro) Only individuals, existing or new transport operators for the purchase of 3 wheelers/ CVs manufactured by Bajaj Auto Ltd for transporting passengers or goods. Medium Term Loan with 15 % margin on Road price

Bajaj Auto Tie up Loan Loan Amount: 85% of Road price of one vehicle per borrower For groups: 2 commercial vehicles or Rs lacs which is lower Repayment period: 60 months Security: only Hyp of vehicle purchased. To be covered under CGTMSE. No collateral/ third party guarantee.

Bajaj Auto Tie up Loan Threshold overdue ceiling is fixed at 2.5%. An incentive of 1 % rebate in interest shall be reimbursed to prompt repayers, as back ended incentive Separate Product Code

Ind Auto Tie up with TVS Motor Company Ltd Borrower should be below 45 years age ZM can relax upto 55 years Max Loan : Rs.2.00 lac per borrower for the purchase of 1 vehicle Rs.4.00 lacs per group for the purchase of two commercial vehicles Accident linked Medi-claim policy, Ist year premium of Rs.264 paid by TVSMC Ltd. Renewals to be done by borrowers

IB Micro All Micro ( Mfg & Service sector) Retail trade, education istitutions, SHG not eligible CIBIL report to be verified RAM rating is waived Maximum Rs. 20 lacs Composite Loan

IB Micro 20% of the estimated annual turnover can be given as Working capital For purchase of machines / equipments margin 25 % Only primary security, No collateral security / third paty guarantee to be taken CGTMSE cover is manadatory

IB Micro Repayment 60 Months with holiday period of 6 months Sanctioning authority BM I Rs lacs BMII Rs lacs BM III Rs lacs

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