• Existing customers, having working capital Limit up to Rs.5 Crore only
• Account to be standard.
• SMA-0 and SMA-1accounts are also eligible under the scheme.

• Any individual, above 18 years of age
• For setting up of project costing above Rs.10 lakh in the manufacturing sector and above Rs. 5 lakh in the business /service sector, the beneficiaries should possess at least VIII standard pass educational qualification.
• Self Help Groups
• Existing Units (Under PMRY, REGP or any other scheme of Government of India or State Government) and the units that have already availed Government Subsidy under any other scheme of Government of India or state Government are not eligible.

• The maximum cost of the project/unit admissible under manufacturing sector is Rs. 25 lakh.
• The maximum cost of the project/unit admissible under business/service sector is Rs. 10 lakh.

• Suitable collateral security to the extent of minimum 25% of the sanctioned amount. (Except for cases covered under CGTMSE)

• Suitable collateral security to the extent of minimum 50% of the sanctioned amount. (Except for cases covered under CGTMSE)

Guarantor should enjoy good reputation in the market/field along with networth of atleast 200% of loan amount.

• Third party guarantee / guarantee of earning family member for loans up-to Rs.10 lakhs, if not covered under CGTMSE
• For cases above Rs.10 lakhs Guarantee may be waived in the cases covered under CGTMSE or where collateral is offered.
• Guarantee of the property owner (if other than borrower) must be obtained in all the cases where collateral is offered.

• Hypothecation of assets to be purchased/acquired with the help of Bank’s finance.
• Mortgage of business premises if financed by the Bank.

• i) Loan upto Rs 10 lakhs: No third party guarantee and/or collateral security is required and the same should be covered under CGTMSE.
• ii) Loan above Rs 10 lakhs and upto Rs 200 lakhs: Collateral security by way of immovable property or liquid securities such as deposits, NSCs, surrender value of LIC policies, equivalent to 100% of the total exposure. Or, else the loan will be covered under CGTMSE.
• iii) For loan above Rs.200 lakhs and upto Rs 500 lakhs: Collateral security by way of immovable property or liquid securities such as deposits, NSCs, surrender value of LIC policies, equivalent to 100% of the total exposure.

• Business Concerns (MSME) & Salaried Individuals who are income tax assesses;
• Partnership firms, Proprietary firms, Companies (Pvt./Public Ltd.), HUFs, Trusts, Societies, NRIs (subject to compliance of guidelines of Bank & RBI)
• Age limit: Min 18 yrs, Max 65 yrs and owning residential/ commercial property.
• Credit facility against agricultural property is strictly not permitted. Credit facility shall not be permitted against security of immovable property wherein Educational/ Religious Institutions are located. Vacant land may preferably be not taken as security under the scheme.
• In case of Firms/Companies & Trusts, credit facility may be considered against the property owned by Partner/Director/Trustee
• The property of following close relatives may be considered subject to becoming of their co-borrower in the facility

  Spouse	Father	Mother	Son	Son’s Wife
  Daughter	Daughter’s Husband	Brother	Brother’s Wife	Sister
  Sister’s Husband	Spouse’s Brother	Spouse’s Sister	Spouse’s Mother	Spouse’s Father

• MPBF is subject to maximum of 50% of realizable value of immovable property.
• Security in the form of NSCs (Margin 25%) /Bank’s Own Deposits (Margin 10%) /LIC Policies (Margin 10%) may be taken to supplement the overall security requirements.
• The income of the spouse / major sons may be added if he/she is a co-borrower.
• In case of Firms/ Companies/ Trusts/ HUF, Partners/ Directors/ Trustees/ Co-parceners with regular & independent income may join as co-borrower to supplement repayment capacity.
• Cash accruals/ Depreciation may also be added to income, in case of borrowers other than salaried class.

• Retail Traders/Wholesale Traders
• Contractors
• Professional and self employed
• Micro, Small & Medium Enterprises Service/ Manufacturing concerns (Borrowers satisfactorily engaged in trading/ business activity for a period atleast 1 year prior to seeking credit under the scheme and having earned cash profit during the period )
• Newly Established Entity /Venture are also eligible for credit facilities under the scheme based on merits and on a case to case basis.
• Credit facility against agricultural property is strictly not permitted. Credit facility shall not be permitted against security of immovable property wherein Educational/ Religious Institutions are located. Vacant land may preferably be not taken as security under the scheme.
• The property of following close relatives may be considered subject to becoming of their co-borrower in the facility

  Spouse	Father	Mother	Son	Son’s Wife
  Daughter	Daughter’s Husband	Brother	Brother’s Wife	Sister
  Sister’s Husband	Spouse’s Brother	Spouse’s Sister	Spouse’s Mother	Spouse’s Father

• MPBF can be upto 20% of the projected turnover subject to the condition that projected turnover shall not exceed 25% annual turnover of the previous year. Or, Maximum Permissible Bank Finance can be upto 25% of the actual turnover.
• MPBF is subject to maximum of 65% of realizable value of immovable property.
• Security in the form of NSCs (Margin 25%) /Bank’s Own Deposits (Margin 10%) /LIC Policies (Margin 10%) may be taken to supplement the overall security requirements.

• Concession of 1.00% in RoI for cases, where after maintaining the stipulated margin requirements, the residual portion of the security offered as primary security to the credit facility is available to the tune of 100% or more
• Concession of 0.25% in RoI for cases, where external credit rating is 1 to 4 by SMERA, ICRA, ONICRA or CRISIL
• Concession of 0.25% in RoI if account is classified under Priority Sector Advances.

Credit facility against agricultural property is strictly not permitted. Credit facility shall not be permitted against security of immovable property wherein Educational/ Religious Institutions are located. Vacant land may preferably be not taken as security under the scheme.

• Micro, Small & Medium Enterprises engaged in the manufacturing and services sector.
• The existing MSMEs with good track record as well as new MSMEs having satisfactory Due Diligence Report.
• The MSMEs may be an Individual, Proprietor, Partnership firm, Private/Public Limited Company, Co-operative Society.
• The property of following close relatives may be considered subject to becoming of their co-borrower in the facility

  Spouse	Father	Mother	Son	Son’s Wife
  Daughter	Daughter’s Husband	Brother	Brother’s Wife	Sister
  Sister’s Husband	Spouse’s Brother	Spouse’s Sister	Spouse’s Mother	Spouse’s Father

• With a view to restrict the practice of diversions of funds and misutilization of the credit facilities availed from the Bank by the business concerns to strengthen their financials with other banks, it is advised that for the customers availing credit facilities under the PSB SME Liquid Plus Schemes, the pre condition shall be to maintain the Working Credit Limit accounts with our Bank only and not with any other bank/financial institution

• Need based credit facility with maximum of 65% of realizable value of immovable property.
• The running account component is restricted to Rs 2 Cr within the overall limit, however term loan as single component can be considered upto Rs 5 Cr.
• Security in the form of NSCs (Margin 25%) /Bank’s Own Deposits (Margin 10%) /LIC Policies (Margin 10%) may be taken to supplement the overall security requirements.

The maximum concessions in RoI under any of the Scheme shall not exceed 1.25% in any case.

• Concession of 1.00% in RoI for cases, where after maintaining the stipulated margin requirements, the residual portion of the security offered as primary security to the credit facility is available to the tune of 100% or more
• Concession of 0.25% in RoI for cases, where external credit rating is 1 to 4 by SMERA, ICRA, ONICRA or CRISIL
• Concession of 0.25% in RoI if account is classified under Priority Sector Advances.

• Loan/Limits up to Rs. 2.00 lakh : 500/-
• Loan/Limits above Rs. 2.00 lakh : 0.50% subject to a maximum of Rs.10000/-

• Business entities which are individuals, firms, companies, Limited Liability Partnership, Co-operative Societies, dealing in those business activities, which are not prohibited by law.
• GST registered units which have filed GST returns at least for the last six months.

• Term Loan:Setting up of oxygen plant with power back up in the hospital for medical use.
• To finance units engaged in manufacturing of liquid oxygen, oxygen cylinders etc
• Non-Fund (Letter of credit)LC: For Capex LC (front ended): For import of Capital Goods

• Manufacturers and suppliers of medical oxygen, Oxygen cylinders.
• Existing Hospitals/ Nursing homes.

• For Existing Customers: NIL
• For New Customers: 15%

• For MSME units: NIL (Loans to be covered under CGTMSE)
• For Non-MSME units: Min. 25%*

• 7.50% (If covered under ECLGS)
• 8.15% (If covered under CGTMSE)

• Term Loan - 25%
• Cash Credit - 25% (Stocks)
• Receivables: 40% (Cover period not beyond 90 days)
• BG/LC – 25%

• Loans up to Rs. 2 Cr: NIL, if covered under CGTMSE.
• Loans above Rs. 2 Cr to Rs. 100 Cr: 25% SARFAESI enabled tangible collateral security

• 7.50% (If covered under ECLGS)
• 8.00% (Upto Rs. 2 Crore/CGTMSE Coverage)
• 8.50% (Beyond Rs. 2 Crore)

• To provide Sub-Debt support in respect of restructuring of MSMEs.

• MSME enterprises (defined under MSME Act) such as Individuals / Proprietorship, LLP, Partnership, Private Limited Company or registered company.
• All Existing MSME borrower / entities who are stressed viz. SMA2 and NPA accounts as on 30.04.2020 and are eligible for restructuring (as per RBI guidelines) and are commercially viable as per the assessment of the banks.
• The Scheme is applicable for those MSMEs whose accounts were standard as on 31.03.2018 and are in regular operations, either as standard accounts, or as NPA accounts during financial year 2018-19 and financial year 2019-20. However, if the unit is not running now and is closed, the facility shall not be considered.

• 2nd charge on the securities held with bank for the existing MSME facilities for the entire tenor of the PSB- CGSSD loan.
• 10% of the sub-debt limit to be brought by Promoters as margin/collateral.
• • No Guarantee for the facility sanctioned under the scheme.

• The maximum tenor for repayment will be 10 years with a moratorium period of 7 years (maximum) on the payment of principal.
• Till the 7th year, only interest will be payable.