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SME Short Term Loan


  • To meet temporary liquidity shortfall/ mismatch in the line of business activity. This facility is not to be extended for other purposes like repayment of loans of other banks or institutions, unsecured loans etc.

Borrower Group

  • MSMEs in Regulatory and Expanded.
  • Exclusion sectors: Real Estate sector, Power Sector, Education sector IT sector.

Eligibility Criteria

  • Satisfactory credit rating (BOB-5 and above) without continuous decline for the last three years and for 4 half years for accounts where credit rating is done on half yearly basis.
  • Latest financial documents with satisfactory performance.
  • Satisfactory dealings with the Bank for at least three years without any major inspection/audit irregularities

Loan amount

  • Min-Rs.10 Lakhs,
    Max-Rs.250 Lakhs
  • Note : Adhoc facility and short term loan cannot be concurrent.


  • 12 months including moratorium period.

Unified processing, Upfront & Documentation charges

  • 25% concession in the applicable charges.

Rate of Interest

Competitive pricing linked to Repo rate/MCLR.

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