Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
FacilitiesTerm loan for fixed assets; funded cash credit for working capital; and non-fund letters of credit or letters of guarantee.View source
Complete facility list reviewed.
- Source
- Credit Facilities to Entrepreneurs
- Page / section
- Funded and non-funded facilities
- Accessed
- 31 Aug 2026
- Confidence
- high
Maximum amount₹5 crore maximum; the page does not publish a universal limit for general entrepreneur finance.View source
Published maximum retained for the collateral-free term and cash-credit facilities.
- Source
- Collateral Free Term Loan Facility
- Page / section
- Maximum facility
- Accessed
- 31 Aug 2026
- Confidence
- high
Minimum margin25% minimum margin for the collateral-free term and cash-credit facilities; regular cash credit also publishes 25% minimum margin.View source
Margin statements checked on all three facility pages.
- Source
- Collateral Free Term Loan Facility
- Page / section
- Margin
- Accessed
- 31 Aug 2026
- Confidence
- high
Repayment periodUp to 7 years including moratorium for collateral-free term loan; no fixed tenor is published for the cash-credit facilities.View source
Term-loan period and cash-credit absence reviewed.
- Source
- Collateral Free Term Loan Facility
- Page / section
- Repayment period
- Accessed
- 31 Aug 2026
- Confidence
- high
Primary securityCollateral-free variants use borrower assets as defined by CGTMSE with mandatory CGTMSE cover; regular cash credit uses inventory and receivables up to 180 days as primary security.View source
Security wording reconciled across collateral-free and regular cash-credit pages.
- Source
- Regular Cash Credit Facility
- Page / section
- Primary security
- Accessed
- 31 Aug 2026
- Confidence
- high
Turnover / vintageNo universal turnover or business-vintage threshold is published on the reviewed general MSME facility pages; eligibility depends on the selected facility, borrower assessment and applicable CGTMSE/MSME norms.View source
The page lists term loan, cash credit and non-fund facilities but no universal turnover cut-off.
- Source
- Credit Facilities to Entrepreneurs
- Page / section
- Complete general facility page
- Accessed
- 31 Aug 2026
- Confidence
- high
Processing feeCurrent MSME working-capital tariff: nil up to ₹5 lakh; 0.35% p.a. above ₹5 lakh. For term loans: nil up to ₹5 lakh; 1% above ₹5 lakh to ₹25 crore. The applicable row depends on the selected facility.View source
The current service-charge table supplies the applicable working-capital and term-loan bands.
- Source
- Service Charges - Commercial, and Agriculture Credit
- Page / section
- Processing Fees - Working Capital and Term Loan
- Accessed
- 31 Aug 2026
- Confidence
- high
CollateralCollateral-free variants require mandatory CGTMSE cover and do not require separate collateral security; regular cash credit uses inventory and receivables (up to 180 days) as primary security, with collateral subject to bank policy. The general entrepreneur page publishes no single collateral rule.View source
Security wording is retained per facility rather than applying a blanket rule.
- Source
- Regular Cash Credit Facility
- Page / section
- Primary security and collateral; reconciled with collateral-free pages
- Accessed
- 31 Aug 2026
- Confidence
- high
Interest rateNo universal numeric rate or spread is published on the general entrepreneur, collateral-free or regular cash-credit pages; pricing is subject to the Bank's applicable MSME/RLLR and risk-based policy.View source
No numeric rate row appears on the reviewed general facility pages.
- Source
- Credit Facilities to Entrepreneurs
- Page / section
- Complete general pages reviewed
- Accessed
- 31 Aug 2026
- Confidence
- high
Geographic limitsIndia; finance available at Bank branchesView source
The manually reviewed product record states: “India; finance available at Bank branches”.
- Source
- Credit Facilities to Entrepreneurs — official product page
- Page / section
- Published product metadata
- Accessed
- 31 Aug 2026
- Confidence
- high
Customer typeEntrepreneurs setting up or expanding an enterprise; Industrial, manufacturing and service businessesView source
The manually reviewed product record states: “Entrepreneurs setting up or expanding an enterprise; Industrial, manufacturing and service businesses”.
- Source
- Credit Facilities to Entrepreneurs — official product page
- Page / section
- Published product metadata
- Accessed
- 31 Aug 2026
- Confidence
- high
DocumentsSigned request/application; Business constitution and KYC; Project report and financial evidence; Asset quotations and statutory registrations; Security and guarantee documents where applicableView source
The manually reviewed product record states: “Signed request/application; Business constitution and ; Project report and financial evidence; Asset quotations and statutory registrations; Security and guarantee documents where applicable”.
- Source
- Credit Facilities to Entrepreneurs — official product page
- Page / section
- Published product metadata
- Accessed
- 31 Aug 2026
- Confidence
- high
Benefits and features
- Term loan for machinery and fixed assets
- Funded working capital through cash credit
- Letters of credit and letters of guarantee
- Supports new, modernisation, diversification, upgradation and expansion projects
Eligibility
- The page describes finance for entrepreneurs and industrial ventures; it does not publish a universal minimum income, turnover or loan-limit number.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- Signed request/application
- Business constitution and
- Project report and financial evidence
- Asset quotations and statutory registrations
- Security and guarantee documents where applicable
Related official documents
Credit Facilities to Entrepreneursofficial-product-page · current · accessed 31 Aug 2026
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