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Business, & agriculture finance

Mahabank Finance to Startups

Working-capital and term finance above ₹25 lakh and up to ₹20 crore for eligible -recognised startups, with 25% margin and repayment up to 10 years.

Facility amountAbove ₹25 lakh and up to ₹20 crore; fund/non-fund working capital and term loan.Interest rateNot published; the page states only that the Bank's current guidelines apply.Customer typeDPIIT- or permitted-government-recognised innovative or scalable startups in an accepted private-company, registered-partnership or LLP form.
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Quick eligibility check

Mahabank Finance to Startups

0 of 9 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: DPIIT- or permitted-government-recognised innovative or scalable startups in an accepted private-company, registered-partnership or LLP form?

Published source: Customer type

2Do you meet this requirement: Application/KYC?

Published source: Required documents

3Do you meet this requirement: DPIIT/government recognition?

Published source: Required documents

4Do you meet this requirement: entity/Udyam records?

Published source: Required documents

5Do you meet this requirement: innovation/scalability plan?

Published source: Required documents

6Document checkDo you have this required document or proof: Signed application and KYC?

Published source: Required documents

7Document checkDo you have at least one of these required documents: DPIIT or permitted government recognition?

Published source: Required documents

8Document checkDo you have this required document or proof: Constitution/incorporation and Udyam records?

Published source: Required documents

9Document checkDo you have this required document or proof: Innovation/scalability and business-plan evidence?

Published source: Required documents
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 31 Aug 2026 · active
Mahabank Finance to MSME Startups
Offered byBank of Maharashtra

India

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Customer typeDPIIT- or permitted-government-recognised innovative or scalable startups in an accepted private-company, registered-partnership or LLP form.View source
Complete entity and recognition rules reviewed.
Source
Finance to Startups
Page / section
Eligibility criteria
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Turnover / vintageNo numeric turnover or vintage floor; sole banking, no lender/investor default, no NPA status and no split/reconstruction of an existing business.View source
Complete banking and exclusion conditions reviewed.
Source
Finance to Startups
Page / section
Eligibility criteria
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Facility amountAbove ₹25 lakh and up to ₹20 crore; fund/non-fund working capital and term loan.View source
Facility types and both limits reviewed.
Source
Finance to Startups
Page / section
Nature; loan amount
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Interest rateNot published; the page states only that the Bank's current guidelines apply.View source
No product-specific benchmark, spread or numeric rate was found.
Source
Finance to Startups
Page / section
Rate; complete page and schedules
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
TenureUp to 10 years.View source
Published maximum tenure reviewed.
Source
Finance to Startups
Page / section
Loan tenure
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Collateral / securityStocks/book debts and financed assets are hypothecated; purchased property may be mortgaged. Collateral is nil under CGTMSE/CGSS, otherwise Bank policy; 25% margin.View source
Complete primary and collateral-security rules reviewed.
Source
Finance to Startups
Page / section
Margin; security
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Processing feeWorking capital: nil up to ₹5 lakh, then 0.35% p.a. Term loan: nil up to ₹5 lakh; 1% above ₹5 lakh to ₹20 crore.View source
Both applicable processing rows reviewed against the scheme's limits.
Source
Service Charges
Page / section
pages 80-81
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Required documentsApplication/KYC; DPIIT/government recognition; entity/Udyam records; innovation/scalability plan; financials, GST and projections; sole-banking/no-default evidence; asset, security and guarantee-cover documents.View source
Product-specific startup requirements and complete common checklist reviewed.
Source
Startup Finance and Checklist
Page / section
Eligibility/purpose; checklist 1-14
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Geographic availabilityIndia, for startups recognised by DPIIT or another permitted government department.View source
National startup scheme context reviewed.
Source
Finance to Startups
Page / section
Objective; eligibility
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureFloating business-purpose loans to individuals and MSEs: nil. Other term loans: 2% when prepayment exceeds 25% of sanctioned limit; cash-credit takeover may attract 2%, with MSE exemption.View source
Applicable floating, term and CC closure rows reviewed.
Source
Service Charges - All Credit
Page / section
pages 93-94
Accessed
31 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Above ₹25 lakh and up to ₹20 crore
  • Fund-based and non-fund-based working capital plus term loan
  • Up to 10 years
  • 25% margin
  • Nil collateral for /CGSS-covered accounts

Eligibility

  • Eligible innovative or scalable startup in an accepted constitution, recognised by or another permitted government department, under sole banking; not in default or ; not formed by splitting/reconstructing an existing business; no corporate loan under the scheme.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Signed application and
  • or permitted government recognition
  • Constitution/incorporation and Udyam records
  • Innovation/scalability and business-plan evidence
  • Financials, and projections
  • Sole-banking and no-default records
  • Asset, property and security documents
  • /CGSS evidence where applicable

Related official documents

Documents Need to Be Submitted for MSME Loanofficial-checklist-page · current · accessed 31 Aug 2026
↗
Mahabank Finance to MSME Start Upsofficial-product-page · current · accessed 31 Aug 2026
↗
Bank of Maharashtra Service Charges - Commercial, MSME, Agriculture and All Creditofficial-pdf · current · accessed 31 Aug 2026
↗

Plan before applying

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Loan repayment estimate

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One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees
Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees
Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

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Objective · Published detailFinance recognised startups to foster innovation, employment, inclusive growth and wealth creation

This value is copied from Mahabank Finance to Startups - complete published parameters. Check the table notes before relying on it.

Source: Finance to Startups · Complete table Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 10 rows · 2 columnsMahabank Finance to MSME Startups - complete published parametersView tableHide table

Scroll sideways to view every column

Mahabank Finance to MSME Startups - complete published parameters
ParameterPublished detail
ObjectiveFinance recognised startups to foster innovation, employment, inclusive growth and wealth creation
EligibilityInnovative or scalable startup; accepted constitution; /permitted-government recognition; sole banking; no default/; no split/reconstruction; no corporate loan
PurposeRaw materials; machinery/equipment; licences/certifications; hiring/training; legal/consulting; marketing/sales; office purchase/lease/admin; other accepted need
FacilityFund/non-fund working capital and term loan
AmountAbove ₹25 lakh to ₹20 crore
TenureUp to 10 years
Margin25% for working capital and term loan
RateCurrent Bank guidelines; numeric rate not published
Primary securityStocks/book debts; financed assets; purchased property where available
CollateralNil under /CGSS; otherwise Bank policy
Finance to Startups · Complete table · accessed 31 Aug 2026Open official source ↗
Table 2 · 6 rows · 3 columnsBank of Maharashtra benchmark rates effective 25 July 2026View tableHide table

Scroll sideways to view every column

Bank of Maharashtra benchmark rates effective 25 July 2026
BenchmarkResidual maturityRate p.a.
Overnight 1 day7.30%
One-month >1 day-1 month8.30%
Three-month >1-3 months8.55%
Six-month >3-6 months8.90%
One-year >6 months9.00%
External benchmark8.05%
and effective 25.07.2026 · page 1 · accessed 31 Aug 2026Open official source ↗
Table 3 · 5 rows · 2 columnsShared MSME documentation and applicable fee evidenceView tableHide table

Scroll sideways to view every column

Shared MSME documentation and applicable fee evidence
AreaPublished detail
Common documentation14-row checklist: application/, registrations, constitution, net worth/, resolutions, , audited financials, projections, banking, security, TEV/rating and licences as applicable
Working-capital processingNil up to ₹5 lakh; 0.35% p.a. above
Term-loan processingNil to ₹5 lakh; 1% above ₹5 lakh-₹25 crore; 0.80% above ₹25-₹100 crore; 0.70% above ₹100 crore
Floating business-purpose loan to individual/Nil prepayment charge
Other term-loan prepayment2% above 25% trigger; exemption
Service Charges and Checklist · pages 80-81 and 93-94; checklist rows 1-14 · accessed 31 Aug 2026Open official source ↗

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