कपड़ा इकाइयों के वित्तपोषण के लिए योजना

• Working Capital requirement both Fund Based and Non-Fund Based.
• Financing new project i.e. acquisition / construction of land and building and plant and machinery (including second hand plant and machinery as per Bank guidelines) based on the project cost.

All new/existing units (including taken over from other banks) engaged in textile activity including Job worker /Traders falling under MSME Segment.
The following textile activities may be covered under the scheme:

A) Regulatory:

i)  Manufacturing of :

• Cotton Fabrics
• Cotton Yarn
• Worsted Fabrics
• Readymade Garments
• Denim
• Jute Textiles
• Viscose Staple Fibre
• Viscose Filament yarn
• Acrylic Fibre
• Texturizing
• Fibre Intermediates (polyester)
• Blended yarn
• Manmade Fibres
• Warp knitting
• Circular knitting
• Dyeing or/and printing unit
• Grey cloth weaving
• Embroidery Unit
• Jari badla/ Jari thread/ malai Dhori
• Spinning of cotton / synthetic yarn
• Synthetic-Fabrics
• Man Made Fibres

B) Baroda SME Gold Card:

Borrower accounts with ‘Standard’ category for the last 1 year subject to internal credit rating of Bank. The constitution of borrower can be Proprietorship / Partnership concerns / LLP / Private Limited Co. / Ltd Co. HUF are not eligible.

Note A :

• Internal Credit rating should be carried out and only the accounts with internal rating accepted as per Bank Guidelines, shall be considered for financing.
• Bank reserve the right to refix the spread as and when deemed fit without prior intimation.
• For the Exposure upto Rs. 5 crores borrower may opt for ROI Linked to CMR Rating.
• Bank offers special concessional ROI and allows higher exposure limit for borrowers in Baroda & Jaipur Zone.

• For working capital facilities : 12 Months
• For Term Loan: Maximum 9 years (including moratorium period), subject to review every year.

• In suitable monthly Instalment after Initial Moratorium period.
• Interest to be serviced every month even during moratorium period.