• A- A A+



a) Working capital: Fund Based & NFB facilities limits to meet day to day requirement / materials / labour payment / statutory payments.

b) Term Loan: For purchase of Plant & Machinery / Equipment / Transport Vehicles to be used for the execution of contract work.

c) Bank Guarantee: For bidding of tenders, mobilization of advance money, performance of the contract, guarantee in favour of Central / State Govt & its various departments and reputed Pvt. / Ltd. companies, guarantee for release of retention money.


  • MSME units engaged in the Contractor/ Subcontractor activity.
  • Sub-contractors executing work on behalf of main contractors are also eligible under this provided sub letting is through registered agreement and all required permission and licenses / registration are available.
  • Borrowers can be Individual(s) / Sole Proprietorship / Partnership firm/ HUF/Joint Venture/Joint Stock Company or any other entity engaged in this line of activity.


Nature of Credit facility

Working Capital facility: Overdraft against property (ODP).

Term Loan

Non Fund:   Bank guarantee

Quantum of Finance

Minimum:              Rs 10.00 Lakh

Maximum:             Rs 2000.00 Lakh


80% of the realizable value of the property mortgaged

Rate of Interest

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Equitable mortgage of  immoveable property . 80% of the realizable value of the property mortgaged


ODP                : On demand.

Term Loan     : Repayment in maximum upto 10 years

BG                   : Tenor of BG not to exceed 10 years.

Processing charges:

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                 PSB Flexi Term Loan

Type of facility

PSB Flexi Term Loan is a pre approved term loan, bundled with PSB Contractor Plus, with an aim to provide term loan assistance to contractors in a smooth and hassle free manner.



  • All MSME credit constituents having satisfactory credit history of minimum 1year with bank and having working capital facility backed by property as primary or collateral.
  • PSB flexi term loan will be sanctioned with working capital limit under PSB Contractor Plus of Rs.1.00 Crore and above.



Term loan for purchase of machinery, equipment, commercial vehicles, furniture & fixture.

Quantum of Finance

Term loan of maximum 25% of the working capital limit.




Repayment Period

 5 years (60 EMI).

Processing Charges

One time charges of 1.00% at the time of disbursement.

Rate of Interest

One Year MCLR + 2.00%


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Click Here to Apply for Retail Loan  


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