1. Grow your business with Utkarsh Small Finance Bank

2. Why MSME Loans? Applying for an MSME loan is very easy. It requires less documentation and get processed faster than other loans. Utkarsh Small Finance Bank MSME loan schemes are designed for small businesses that need a reliable source of finance without loosing out on control over ownership. MSME loan interest rates are lower as compared to other available options. With better flexibility to the borrower, Small Business owners can enjoy more focus running the business. 2

3. Money Crunch Biggest problem of any business Right from working capital to major funding, the cash needs of a business are very important for its success. Due to lack of assets, it becomes difficult to borrow funds during initial stages. However, now Small and Medium Enterprises Loans are available in the market for start up businesses. 3

4. Grow your Business with MSME Loans Utkarsh Small Finance Bank is ready to help you MSME Loan by Utkarsh Small Finance Bank is a specialized loan for micro-enterprises to help boost business growth and take it to the next level. It is a business loan better suited for Small/Micro enterprises which are at growth stage of their lifecycle. MSME Loan Eligibility: Self-employed professionals Self-employed non-professionals Business Entities Any Indian resident aged between 25 and 65 years 4

5. Our Range of Offerings MSME Loans Micro Enterprise Loan Business Loan Business Loan Secured Business Loan Secured + 5 For Small Enterprises and Businesses

6. Here’s why Utkarsh Small Finance Bank Your best MSME Loan partner Micro Enterprise Loan Business loans of up to 1.5 lakh available. Loan tenure: 12 to 30 months. Repayment in easy Equated Monthly Installment (EMI). Foreclosure Allowed during the tenure of the loan. Business Loan Business loans of up to 10 lakhs available without security. Loan tenure is 12 to 48 months. Repayment in easy Equated Monthly Installments (EMI). Foreclosure Allowed during the tenure of the loan. 6

7. Business Loan Secured Business loans secured up to 5 lakhs; Mortgage of residential/commercial properties; Best in class interest rate. Loan tenure is 1 to 7 Years. Business Loan Secured + Business loans Secured + of up to 25 lakhs available. Loan tenure is 1 to 7 Years. Repayment in easy Equated Monthly Installments (EMI). 7

8. Business Loans for Women Utkarsh Small Finance Bank JLG Group Utkarsh Pragati Utkarsh Asha Utkarsh Kiran Utkarsh Swachata 8

9. Utkarsh Pragati: A small group loan for women, Utkarsh Pragati JLG designed keeping in mind the needs of income generating activity. A group of business woman can take a loan of up to 20000, Plus there’s no processing fees. Utkarsh Kiran: A small business loan for women looking for rural credit schemes, Utkarsh Kiran JLG offers a Loan amount up to 60,000. Utkarsh Asha: With Utkarsh Asha joint liability, women can take up a Loan of amount up to 100,000. It can be a primary loan to start a small business 9

10. Swachhata Loan: This loan is given for construction of sanitation facility in rural areas.Swachhata Loan of up to 25,000 is available.Repayment can be done fortnightly in easy installments. Loan Tenure is 2 years.Processing fee for this loan is NIL. 10

11. Explore more Loan products with Utkarsh Small Finance Bank Visit www.utkarsh.bank to know more.www.utkarsh.bank 11