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Bank of Maharashtra Standby Line of Credit for

A short-term fund-based line for eligible existing , calculated at up to 25% of working-capital exposure and capped at ₹1.25 crore, repayable within 12 months.

Facility amount25% of existing working-capital limit or total FBWC+NFBWC exposure, capped at ₹1.25 crore; CA-certified cash flow required above ₹10 lakh.Interest rate0.50 percentage point above the sanctioned cash-credit rate; cash-credit penal interest applies if overdue.Customer typeExisting MSMEs with limits up to ₹25 crore, internal BBB+ and a standard or SMA-0/1/2 account.
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Quick eligibility check

Bank of Maharashtra Standby Line of Credit for

0 of 7 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: Existing MSMEs with limits up to ₹25 crore, internal BBB+ and a standard or SMA-0/1/2 account?

Published source: Customer type

2Do you meet this requirement: Existing MSME with limits up to ₹25 crore, internal BBB or better and a standard, SMA-0, SMA-1 or SMA-2 account?

3Do you meet this requirement: The line is available only on the borrower's specific request?

4Document checkDo you have this required document or proof: Signed request and common MSME application/KYC records?

Published source: Required documents

5Document checkDo you have this required document or proof: CA-certified cash-flow statement above ₹10 lakh?

Published source: Required documents

6Document checkDo you have this required document or proof: CA certificate for outstanding receivables and pending GST dues?

Published source: Required documents

7Document checkDo you have this required document or proof: UDIN on the CA certificate and branch verification on the UDIN portal?

Published source: Required documents
0 of 7 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 31 Aug 2026 · active
Standby Line of Credit for MSME
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 typeExisting MSMEs with limits up to ₹25 crore, internal BBB+ and a standard or SMA-0/1/2 account.View source
Complete eligibility row reviewed.
Source
Standby Line of Credit for
Page / section
Row 4
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Turnover / vintageNo turnover or vintage floor; eligibility depends on the existing Bank of Maharashtra exposure, rating and account status.View source
Complete eligibility and limit rows reviewed.
Source
Standby Line of Credit for
Page / section
Rows 4-5
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Facility amount25% of existing working-capital limit or total FBWC+NFBWC exposure, capped at ₹1.25 crore; CA-certified cash flow required above ₹10 lakh.View source
Complete calculation and certification conditions reviewed.
Source
Standby Line of Credit for
Page / section
Row 5
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Interest rate0.50 percentage point above the sanctioned cash-credit rate; cash-credit penal interest applies if overdue.View source
Published product-specific pricing rule reviewed.
Source
Standby Line of Credit for
Page / section
Row 8
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
TenureMaximum 12 months from disbursal or sanction validity, whichever is earlier; one-go or tranche disbursal.View source
Complete disbursal and repayment row reviewed.
Source
Standby Line of Credit for
Page / section
Row 6
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Collateral / securityStocks and receivables are hypothecated; existing primary and collateral charges are extended to the standby line.View source
Margin, drawing-power and security rows reviewed.
Source
Standby Line of Credit for
Page / section
Rows 7 and 9
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Processing feeNil.View source
Product-specific nil fee reviewed.
Source
Standby Line of Credit for
Page / section
Row 11
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Required documentsCommon MSME application/KYC plus CA-certified cash flow above ₹10 lakh, receivables and pending-GST certificate with UDIN, existing exposure records, charge-extension papers and ROC formalities.View source
Product-specific certification and documentation plus common checklist reviewed.
Source
Standby Line of Credit and Checklist
Page / section
Rows 5 and 10; checklist 1-14
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Geographic availabilityExisting eligible Bank of Maharashtra MSME borrowers in India.View source
Official national bank scheme for existing customers reviewed.
Source
Standby Line of Credit for
Page / section
Eligibility
Accessed
31 Aug 2026
Confidence
medium
Open official source ↗
Prepayment chargeNo prepayment charge for floating-rate business-purpose loans to individuals and MSEs.View source
Floating business-purpose prepayment row reviewed.
Source
Service Charges - All Credit
Page / section
page 94, row 13
Accessed
31 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Up to ₹1.25 crore
  • Nil margin on the standby line
  • Nil processing fee
  • One-go or tranche disbursal
  • Standard and SMA-0/1/2 accounts may qualify

Eligibility

  • Existing with limits up to ₹25 crore, internal BBB or better and a standard, SMA-0, SMA-1 or SMA-2 account. The line is available only on the borrower's specific request.

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

Documents the bank lists

  • Signed request and common application/ records
  • -certified cash-flow statement above ₹10 lakh
  • certificate for outstanding receivables and pending dues
  • UDIN on the certificate and branch verification on the UDIN portal
  • Existing working-capital sanction and exposure records
  • Security and charge-extension documents
  • ROC formalities before disbursal

Related official documents

Documents Need to Be Submitted for MSME Loanofficial-checklist-page · current · accessed 31 Aug 2026
↗
Bank of Maharashtra Service Charges - Commercial, MSME, Agriculture and All Creditofficial-pdf · current · accessed 31 Aug 2026
↗
Standby Line of Credit for MSMEofficial-product-page · current · accessed 31 Aug 2026
↗

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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.

Use the published table

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1 · ParameterProduct

This value is copied from Standby Line of Credit for - complete published table. Check the table notes before relying on it.

Source: Standby Line of Credit for · Complete 13-row 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 · 13 rows · 3 columnsStandby Line of Credit for MSME - complete published tableView tableHide table

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Standby Line of Credit for MSME - complete published table
No.ParameterPublished detail
1ProductStandby Line of Credit for (SLC-)
2TypeShort-term loan
3PurposeTemporary liquidity mismatch from delayed receivables, input-credit receipts including exports, and other business needs
4EligibilityExisting ; limits up to ₹25 crore; internal BBB+; standard or SMA-0/1/2
5Amount25% of existing WC limit or total FBWC+NFBWC exposure; max ₹1.25 crore; -certified cash flow above ₹10 lakh; receivables/ certificate with UDIN
6Disbursal/repaymentOne go or tranches; repay within 12 months from disbursal or sanction validity, whichever earlier; fund-based limit only
7MarginNil for SLC; existing-limit margin continues; no double financing of portion
8Rate0.50 percentage point above sanctioned cash-credit rate; CC penal interest if overdue
9SecurityStocks/receivables hypothecation; extension of existing primary/collateral charge
10Documentation/ROCApplicable documents before disbursal; ROC formalities before disbursal
11Processing feeNil
12AuthorityExisting sanctioning powers
13OtherOver and above ; specific borrower request; applicable IRAC norms
Standby Line of Credit for · Complete 13-row table · accessed 31 Aug 2026Open official source ↗
Table 2 · 14 rows · 2 columnsBank of Maharashtra MSME proposal checklist - all 14 rowsView tableHide table

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Bank of Maharashtra MSME proposal checklist - all 14 rows
No.Required document
1Borrower request / signed application
2Borrower/promoter/director/guarantor
3Udyam and applicable , , LEI, IEC, constitution/incorporation, net worth and records
4Company borrowing resolution
5-certified net worth with valid UDIN
6Verified returns
7Last two years' audited financials
8/projections: at least two years for WC or through term-loan period
9Banking arrangement and latest outstanding/unavailed position
10Other-bank sanction letters
11TEV report above ₹15 crore
12Primary/collateral lease and title deeds
13External rating above ₹25 crore
14Business-specific documents and licences
Proposal Checklist · Complete checklist · accessed 31 Aug 2026Open official source ↗
Table 3 · 6 rows · 3 columnsBank of Maharashtra benchmark rates effective 25 July 2026View tableHide table

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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 4 · 5 rows · 2 columnsApplicable MSME processing and closure chargesView tableHide table

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Applicable MSME processing and closure charges
Facility / eventPublished charge excluding
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
Cash-credit takeover2% of sanctioned limit; exempt
Other term-loan prepayment2% when prepaid amount exceeds 25% of sanctioned limit; exempt
Floating business-purpose loan to individual/Nil prepayment charge
Service Charges · pages 80-81 and 93-94 · accessed 31 Aug 2026Open official source ↗

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