1. MSME Structured Loan Products

2. 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)

3. IND SME SECURE Quantum of loan: Secured OD Minimum : Rs.10.00 lacs Max per borrower : Rs.10.00 crores Max per group : Rs.25.00 crores PC, FBP, FBN MAY ALSO BE CONSIDERED

4. 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.

5. 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.

6. 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-------- 10% above Rs.5.00 lac 20% 15% margin in rural/semi urban areas for both the slabs

7. Dr + Security: Upto Rs.10.00 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

8. 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.

9. 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.50.00 lacs ZM can sanction upto Rs.75.00 lacs

10. 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 10.00 lac – No collateral/third party gtee but CGTMSE Above Rs.10.00 lacs - Third party gtee & EM on commercial property to be acquired

11. 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

12. 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.

13. 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

14. IB Contractors Mini. Limit Rs.10.00 lacs Max Rs.5.00 Cr(FB+NFB) per borrower Max Rs.10.00 Cr(FB+NFB) per group Margin: 50% on EM of property 20 % on Equipments 15 % on Bill finance 10% cash margin on Gtee/LC

15. 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

16. 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

17. 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%

18. 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.10.00 lacs: No collateral. To be covered under CGTMSE Above Rs.10.00 lacs: Addl security by EM

19. 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

20. Bajaj Auto Tie up Loan Loan Amount: 85% of Road price of one vehicle per borrower For groups: 2 commercial vehicles or Rs.10.00 lacs which is lower Repayment period: 60 months Security: only Hyp of vehicle purchased. To be covered under CGTMSE. No collateral/ third party guarantee.

21. 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- 5437 001

22. 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

23. 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

24. 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

25. IB Micro Repayment 60 Months with holiday period of 6 months Sanctioning authority BM I Rs. 7.50 lacs BMII Rs.10.00 lacs BM III Rs. 20.00 lacs

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