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Business, & agriculture finance

Asmita

Asmita provides term loan, working capital, overdraft and non-fund facilities above ₹10 lakh up to ₹5 crore for women-managed units, with nil collateral and cover.

Loan amountAbove ₹10 lakh minimum to ₹5 crore maximumPricingCompetitive pricing linked to EBR; the page states EBR is linked to repo rate + 2.65%Target customersWomen-managed MSME proprietorships, partnerships and closely held public/private limited companies in manufacturing, trading or services
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Quick eligibility check

Asmita

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: Women-managed MSME proprietorships, partnerships and closely held public/private limited companies in manufacturing, trading or services?

Published source: Target customers

2Do you meet this requirement: Woman-managed MSME?

Published source: Eligibility

3Do you meet this requirement: women hold over 50% of partnership/company?

Published source: Eligibility

4Do you meet this requirement: greenfield limits above ₹1 crore–₹5 crore and brownfield limits above ₹10 lakh–₹5 crore?

Published source: Eligibility

5Do you meet this requirement: The unit must be run and managed by a woman?

6Document checkDo you have this required document or proof: Udyam Registration Number/Udyam Assist Certificate is mandatory; a complete applicant checklist is not published on the page?

Published source: Documents

7Document checkDo you have at least one of these required documents: Udyam Registration Number or Udyam Assist Certificate mandatory?

Published source: Eligibility

8Document checkDo you have this required document or proof: Udyam Registration Number/Udyam Assist Certificate is mandatory?

Published source: Documents

9Document checkDo you have at least one of these required documents: Udyam Registration Number or Udyam Assist Certificate is mandatory?

Published source: Documents
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 1 Sept 2026 · active
Offered byState Bank of India

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.

PurposeLegitimate business purposes including working capital, machinery modernisation/expansion/renovation, professional equipment, layouts, tools, vehicles, furniture and other business requirementsEffective 27 Mar 2025View source
Loan under this facility can be sanctioned for any legitimate commercial purpose, including working capital, machinery, equipment, vehicles and other business-related purpose.
Source
Asmita — official product page
Page / section
Objective / Purpose
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Target customersWomen-managed MSME proprietorships, partnerships and closely held public/private limited companies in manufacturing, trading or servicesEffective 27 Mar 2025View source
Unit should run and managed by Women Entrepreneur; in a Partnership firm or Company the shareholding of Women entrepreneurs should be more than 50%. All Units ... Manufacturing, trading or service sector.
Source
Asmita — official product page
Page / section
Eligible Target Group / Customers
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
FacilitiesTerm loan, working capital, overdraft and non-fund based facilityEffective 27 Mar 2025View source
Type of facility: Term Loan, Working Capital, Overdraft and Non-Fund Based Facility.
Source
Asmita — official product page
Page / section
Features — Type of Facility
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Loan amountAbove ₹10 lakh minimum to ₹5 crore maximumEffective 27 Mar 2025View source
Minimum – Above Rs 10,00,000/-; Maximum – Rs 5 Crores.
Source
Asmita — official product page
Page / section
Features — Quantum of loan
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
PricingCompetitive pricing linked to EBR; the page states EBR is linked to repo rate + 2.65%Effective 27 Mar 2025View source
Competitive Pricing Linked to (Linked to Repo Rate and Currently is Repo Rate + 2.65%).
Source
Asmita — official product page
Page / section
Features — Pricing
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Borrower marginNot published as a percentage on the reviewed SBI Asmita pageEffective 27 Mar 2025View source
The complete page publishes facility amount, term, pricing, security and eligibility but no borrower-margin percentage.
Source
Asmita — official product page
Page / section
Complete page review — Features
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Repayment periodCash credit repayable on demand and renewed annually; term loan/dropline OD up to 7 years including moratorium up to 6 monthsEffective 27 Mar 2025View source
Cash Credit: Repayable on demand and renewed every year. Term Loan/Dropline : not more than 7 years including moratorium not exceeding 6 months.
Source
Asmita — official product page
Page / section
Features — Loan Term and Repayment
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Processing / upfront feeAs per SBI's extant guidelines; CGTMSE fee is borne by the borrower and auto-calculated at coverageEffective 27 Mar 2025View source
fee to be borne by the Borrower, as advised by from time to time; fee auto calculated at coverage.
Source
Asmita — official product page
Page / section
Security and fee
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Other chargesNot published as a separate amount; annual review applies to all loans and branch-level add-on details are to be obtained from SBIEffective 27 Mar 2025View source
Annual review to be done for all loans; Bank has provided add-on with the product and directs applicants to the branch for details.
Source
Asmita — official product page
Page / section
Complete page review — Features and Special Feature
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
SecurityPrimary hypothecation of stocks, machinery and financed movable assets; collateral nil; promoter/proprietor/partner/director personal guarantees; eligible loans covered under CGTMSEEffective 27 Mar 2025View source
Primary: Hypothecation of Stocks, Machinery, Movable Assets... Collateral: Nil. Personal Guarantee... Cover: All eligible loans.
Source
Asmita — official product page
Page / section
Features — Security
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
EligibilityWoman-managed MSME; women hold over 50% of partnership/company; Udyam Registration Number or Udyam Assist Certificate mandatory; greenfield limits above ₹1 crore–₹5 crore and brownfield limits above ₹10 lakh–₹5 croreEffective 27 Mar 2025View source
Women entrepreneur must manage the unit; Udyam Registration Number/Udyam Assist Certificate is mandatory; greenfield above ₹1 crore to ₹5 crore and brownfield above ₹10 lakh to ₹5 crore.
Source
Asmita — official product page
Page / section
Eligible Target Group / Customers
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Turnover / vintageNot published as a numeric turnover or business-vintage threshold on the complete SBI Asmita page; the page publishes women-ownership, Udyam and greenfield/brownfield loan-band conditions instead.Effective 27 Mar 2025View source
The complete page publishes women ownership, Udyam and greenfield/brownfield loan bands but no numeric turnover or business-vintage threshold.
Source
Asmita — official product page
Page / section
Complete page review — Eligible Target Group / Customers
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Geographic limitsIndiaView source
The manually reviewed product record states: “India”.
Source
Asmita — official product page
Page / section
Published product metadata
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
DocumentsUdyam Registration Number/Udyam Assist Certificate is mandatory; a complete applicant checklist is not published on the page.View source
The manually reviewed product record states: “Udyam Registration Number/Udyam Assist Certificate is mandatory; a complete applicant checklist is not published on the page.”.
Source
Asmita — official product page
Page / section
Published product metadata
Accessed
1 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Term loan, working capital, overdraft and non-fund facilities
  • Above ₹10 lakh to ₹5 crore
  • Up to 7-year term/dropline including up to 6-month moratorium
  • Nil collateral with cover; pre-payment without penalty

Eligibility

  • The unit must be run and managed by a woman; women must hold more than 50% of a partnership or company.
  • Udyam Registration Number or Udyam Assist Certificate is mandatory. Greenfield limits are above ₹1 crore to ₹5 crore; brownfield limits are above ₹10 lakh to ₹5 crore.

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

Documents the bank lists

  • Udyam Registration Number/Udyam Assist Certificate is mandatory; a complete applicant checklist is not published on the page.

Related official documents

SBI Asmita — official SBI product pageofficial-product-page · current · accessed 1 Sept 2026
↗

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Loan repayment estimate

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One monthly payment₹13,431thirteen thousand four hundred thirty-one rupees
Interest paid over the full loan₹7,23,444seven lakh twenty-three thousand four hundred forty-four rupees
Everything you repay₹32,23,444thirty-two lakh twenty-three thousand four hundred forty-four 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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Purpose · Published termLegitimate business and commercial requirements

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

Source: Asmita — official product page · Purpose, Features, Security and Eligibility 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 columnsSBI Asmita — published termsTerms published on SBI's women-entrepreneur MSME page.View tableHide table

Scroll sideways to view every column

SBI Asmita — published terms
ItemPublished term
PurposeLegitimate business and commercial requirements
FacilityTerm loan, working capital, overdraft and non-fund based
AmountAbove ₹10 lakh to ₹5 crore
RepaymentCash credit on demand/annual renewal; term/dropline up to 7 years including 6-month moratorium
Pricing-linked; page states repo + 2.65%
MarginNot published
SecurityPrimary hypothecation; nil collateral; personal guarantees;
Pre-paymentAllowed without penalty
Women ownershipMore than 50% in partnership/company
conditionUdyam Registration Number or Udyam Assist Certificate mandatory
  • Greenfield limits are above ₹1 crore–₹5 crore; brownfield above ₹10 lakh–₹5 crore. Last updated: 27 March 2025.
Asmita — official product page · Purpose, Features, Security and Eligibility · accessed 1 Sept 2026Open official source ↗

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