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Bank Linkage Programme — Direct Linkage to

Staged credit linkage for Self Help Groups, starting at six times existing corpus or ₹1.5 lakh and progressing through corpus/-based limits up to the published third-linkage minimum.

Interest rateNo product-specific percentage is published; applicants are directed to the bank's lending-rates link.Maximum amountThird linkage has a minimum ₹6 lakh based on the SHG's MCP and credit history; no universal maximum is published.TenureMaximum 72 months depending on the activity.
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Quick eligibility check

Bank Linkage Programme — Direct Linkage to

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: eligibility is an SHG with corpus, linkage-stage and credit-history assessment?

Published source: Minimum income

2Do you meet this requirement: Self Help Groups?

Published source: Eligibility

3Do you meet this requirement: first linkage is based on six times corpus or ₹1.50 lakh minimum, second on eight times reviewed corpus or ₹3 lakh minimum, and third on an MCP and previous credit history?

Published source: Eligibility

4Do you meet this product condition: SHG registration/KYC, resolution, corpus and repayment records, MCP/federation appraisal and book-debt, receivable and asset-security records?

Published source: Required documents

5Do you meet this requirement: The product is for Self Help Groups?

6Document checkDo you have this required document or proof: SHG registration/KYC and resolution?

Published source: Required documents

7Document checkDo you have this required document or proof: Savings, corpus and repayment records?

Published source: Required documents

8Document checkDo you have this required document or proof: Micro-credit plan and federation/support-agency appraisal?

Published source: Required documents

9Document checkDo you have this required document or proof: Book-debt/receivable and asset-security records?

Published source: Required documents
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 31 Aug 2026 · active
Offered byIndian Bank

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.

Loan typeDirect SHG credit linkage, with corpus/MCP-based staged term or working-capital credit.View source
The page describes staged credit linkage to raise income and living standards.
Source
Bank Linkage — Indian Bank
Page / section
Purpose; amount table
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Interest rateNo product-specific percentage is published; applicants are directed to the bank's lending-rates link.View source
The page provides an -rate reference without a numeric product rate.
Source
Indian Bank Linkage rate review
Page / section
Interest Rates
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
BenchmarkThe page references MCLR but does not publish a current numeric spread or benchmark formula.View source
The footnote says rate is available on the home page without a spread.
Source
Indian Bank Linkage benchmark review
Page / section
Interest Rates
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
APRNo separate APR percentage is published.View source
The page publishes linkage limits and repayment but no .
Source
Indian Bank Linkage review
Page / section
Complete product criteria
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNo income threshold is published; eligibility is an SHG with corpus, linkage-stage and credit-history assessment.View source
The page bases staged limits on corpus/ and previous credit history rather than income.
Source
Indian Bank Linkage eligibility review
Page / section
Eligibility; amount table
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Maximum amountThird linkage has a minimum ₹6 lakh based on the SHG's MCP and credit history; no universal maximum is published.View source
The table sets first/second-stage formulas and a third-stage minimum, without a ceiling.
Source
Indian Bank Linkage quantum
Page / section
Credit Linkage — Eligibility and Loan Limits
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
TenureMaximum 72 months depending on the activity.View source
The repayment row publishes a 72-month maximum.
Source
Indian Bank Linkage repayment
Page / section
Repayment
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Processing feeNo product-specific processing fee is published on the reviewed page.View source
The page publishes loan stages and security but no processing charge.
Source
Indian Bank Linkage fee review
Page / section
Complete product criteria
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNo separate prepayment or foreclosure charge is published.View source
The page publishes repayment but no foreclosure charge.
Source
Indian Bank Linkage prepayment review
Page / section
Complete product criteria
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
EligibilitySelf Help Groups; first linkage is based on six times corpus or ₹1.50 lakh minimum, second on eight times reviewed corpus or ₹3 lakh minimum, and third on an MCP and previous credit history.View source
The official table publishes each linkage-stage eligibility and minimum.
Source
Indian Bank Linkage eligibility
Page / section
Eligibility; Credit Linkage table
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Required documentsSHG registration/KYC, resolution, corpus and repayment records, MCP/federation appraisal and book-debt, receivable and asset-security records.View source
The table and security section identify the corpus/ evidence and hypothecation required for appraisal.
Source
Indian Bank Linkage documentation
Page / section
Amount table; security
Accessed
31 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • First linkage: higher of six times corpus or ₹1.50 lakh
  • Second linkage: higher of eight times reviewed corpus or ₹3 lakh
  • Third linkage: minimum ₹6 lakh based on and credit history
  • Repayment up to 72 months
  • Hypothecation of book debts, receivables and created assets

Eligibility

  • The product is for Self Help Groups; later linkage depends on corpus, federation/support-agency appraisal and previous credit history.
  • The micro-credit plan () is used for third-linkage assessment.

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

Documents the bank lists

  • registration/ and resolution
  • Savings, corpus and repayment records
  • Micro-credit plan and federation/support-agency appraisal
  • Book-debt/receivable and asset-security records
  • Bank account and cash-flow documents

Related official documents

SHG Bank Linkage Programme — Indian Bank official product pageofficial-product-page · current · accessed 31 Aug 2026
↗

Plan before applying

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Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

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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1st linkage · Eligibility / loan amountSix times existing corpus or minimum ₹1,50,000, whichever is higher.

This value is copied from Bank Linkage — published terms. Check the table notes before relying on it.

Source: Bank Linkage — Indian Bank · Complete product criteria and linkage 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 · 7 rows · 2 columnsSHG Bank Linkage — published termsCurrent Indian Bank staged SHG linkage limits and repayment/security terms.View tableHide table

Scroll sideways to view every column

SHG Bank Linkage — published terms
Linkage stageEligibility / loan amount
1st linkageSix times existing corpus or minimum ₹1,50,000, whichever is higher.
2nd linkageEight times corpus at review/enhancement or minimum ₹3,00,000, whichever is higher.
3rd linkageMinimum ₹6,00,000 based on , federation/support-agency appraisal and prior credit history.
InterestRefer lending-rate link; reference provided without numeric spread.
RepaymentMaximum 72 months depending on activity.
SecurityHypothecation of book debts, receivables and assets wherever created.
/ feeNo separate or processing fee stated on page.
Bank Linkage — Indian Bank · Complete product criteria and linkage table · accessed 31 Aug 2026Open official source ↗

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