MSME finance

10 years including 2-year principal moratorium

Collateral-free loans up to ₹200 lakh are eligible for CGTMSE guarantee cover.

Up to 3 years, subject to annual review.

MSME units engaged in contractor or subcontractor activity, plus other entities with annual sales turnover up to ₹250 crore.

Credit for contractors executing civil-engineering works awarded by BMC or civic agencies operating in the Brihan Mumbai Metropolitan Region.

Contractors of any constitution engaged in civil-engineering contracts awarded by BMC/civic agencies in the Brihan Mumbai Metropolitan Region must be registered with those agencies, and their Bank of Baroda accounts must also be registered with them.

Overdraft: 25% of chargeable current assets. Bank guarantee: cash margin 10%–25%, property market value at least 15% of the guarantee facility, and 100% cash margin for guarantees covering disputes or court cases.

Purchase of new or refurbished healthcare equipment or machinery.

Above ₹10 lakh to ₹50 crore.

10%–15%, depending on the category of machinery/equipment.

Processing: 0.25% plus GST, capped at ₹2.50 lakh. Annual review charge: nil.

Up to 84 months, including the moratorium period.

ESCOs or host entities classified as Micro or Small enterprises. The host entity deposits proceeds from actual energy savings into a TRA/escrow account, from which the loan is recovered.

₹10 lakh to ₹15 crore per project.

Minimum collateral: 25% of the loan amount. An upfront debt-service reserve account must equal 3 months of EMI.

Up to 5 years including the moratorium period.

Cash Credit — Crop Loan

Minimum ₹5 lakh and maximum ₹10 crore. The working-capital calculation considers 150%, 200% or 250% of the applicable DLTC/SLTC scale of finance multiplied by cultivated area, plus 30% of the limit for miscellaneous post-harvest costs, farm-asset repairs and maintenance, and insurance.

Primary security: hypothecation of crops grown and assets created from bank finance. Collateral: mortgage of agricultural land. If the land value is below the Bank's required value, the shortfall may be met with a mortgage of SARFAESI-compliant property equal to 100% of the limit or the shortfall, or other listed securities at 100% of value—LIC policy surrender value assigned to the Bank, pledged KVP/NSC, or Bank term deposit. Working-capital margin is nil.

Repayment is set to the expected crop harvesting and marketing period: due within 12 months from disbursement for short-term crops and within 18 months for long-term crops.

Existing MSE customers with satisfactory dealings for 3 years and existing loan/operative limit up to ₹10 lakh

The limit is valid for 3 years, subject to internal annual review based on account conduct and operations.

Purchase of a computer and peripherals, office setup or renovation, working capital for cash management and day-to-day settlement-account transactions, and a vehicle for village visits while performing BC activities.

Rural/semi-urban: demand ₹75,000, OD ₹25,000, vehicle TL ₹50,000, total ₹1.50 lakh. Urban: ₹1.15 lakh, ₹35,000, ₹50,000, total ₹2 lakh. Metro: ₹1.50 lakh, ₹50,000, ₹50,000, total ₹2.50 lakh.

10% of the total loan amount sanctioned.

Demand loan: maximum 36 EMIs. Vehicle term loan: maximum 60 EMIs. Overdraft: repayable on demand subject to annual review.

GST- and UDYAM-registered women-owned sole proprietorships, or firms/companies with at least 51% women ownership

No collateral up to ₹5 crore when covered under CGTMSE

Maximum tenor is 10 years. The page does not publish a separate minimum tenor, moratorium or repayment-frequency schedule.

An individual undertaking non-farm entrepreneurial activity.

Minimum ₹25,000 and maximum ₹10 lakh.

Term/demand loan: up to 84 months with 12-month moratorium. Working-capital facility: 12 months subject to annual review.

MSEs registered on the UDYAM portal investing in an existing brownfield unit in one of 11 identified circular-economy sectors and complying with Extended Producer Responsibility and waste-recycling targets. Greenfield projects are not eligible.

For loans up to ₹50 lakh, margin is 10% of invoice value. Above ₹50 lakh, margin is 10% on the first ₹50 lakh and 25% on the amount above ₹50 lakh.

Individuals and units trading physical commodities or goods required by the community, where the trade is lawful and not contrary to public interest.

CMR 1–3: ₹2 crore rural, ₹7.5 crore semi-urban, ₹15 crore urban and ₹25 crore metro. Other eligible borrowers: ₹1 crore, ₹5 crore, ₹10 crore and ₹15 crore respectively. The Bank states that limits may vary based on CIBIL Rank.

The term-loan sizing formula uses the property's advance value, and the repayment period is up to 15 years for loans secured by residential/commercial property or up to 10 years for industrial property. The page lists overdraft and non-fund facilities too, but gives no general security schedule for those facilities.

Term-loan repayment may extend to 15 years for loans secured by residential or commercial property and up to 10 years for loans secured by industrial property. The page does not state a separate tenure for overdraft or non-fund-based facilities.

For MSMEs under the regulatory definition and SMEs under the expanded definition with annual sales turnover up to ₹250 crore. Existing accounts must have remained standard for 2 years, have a BoB-5-or-better obligor rating and working-capital limits of at least ₹25 lakh. For takeover accounts, the same rating and working-capital minimum apply, no deviation from takeover norms is allowed, and eligibility begins only after 1 year with Bank of Baroda. Under both routes, the account must have sole banking with the bank and no major inspection irregularities.

Working-capital limit equal to 10% of assessed MPBF.

As per credit rating and the rate applicable to cash credit.

Charge on current assets, extension of fixed-asset charge where stipulated, directors’ personal guarantee and collateral security as available for other facilities.

Working-capital funding, both fund-based and non-fund-based, and business capital expenditure within the sanctioned composite limit.

For micro, small and medium enterprises under the Bank's regulatory or expanded classifications. The borrower must deal exclusively with Bank of Baroda.

25% on all facilities.

Term-loan period: up to 7 years.

Educational institutions.

For overdraft, land and building are primary security, alongside a fee-module facility with Bank of Baroda.

Additional Working Capital Term Loan (AWCTL), maintained as a separate loan account.

BOB publishes BRLLR/MCLR + 0.75% p.a., capped at 9%. The scheme’s bank-pricing rules distinguish MSME facilities (EBLR + 0.75%, or another permitted standard RBI-compliant MSME benchmark), non-MSME facilities (MCLR + 0.75%, capped at 9%) and airline facilities (the lender’s board-approved policy). BOB does not separately identify its airline benchmark.

Nil processing fee, nil prepayment penalty and nil NCGTC guarantee fee.

MSME/non-MSME borrowers: 5 years from first disbursement, including a 1-year moratorium. Scheduled passenger airlines: 7 years, including a 2-year moratorium.

Bill/invoice discounting for eligible vendors and sub-vendors supplying investment-grade anchor corporates, providing finance with reduced or no collateral requirements.

Large manufacturers/service providers: turnover ₹200–₹2,000 crore, external rating BBB or higher, positive operating profit for at least 3 years and minimum 5-year establishment. Small manufacturers/service providers or sub-vendors: turnover ₹50–₹200 crore, positive operating profit for at least 2 years, minimum 3-year establishment and CMR 1–5.

Competitive pricing linked to BRLLR/Repo rate/MCLR.

10% of bill/invoice amount.

Finance is provided for 90 days.

Individuals, proprietorships, partnerships, LLPs and companies, including existing Bank customers and non-customers, for cash-flow-based Micro and Small Enterprise financing. The digital channel is available 24×7.

Facilities above ₹10 lakh up to ₹200 lakh (₹2 crore).

The product page describes the rate as attractive but does not publish a numeric ROI, spread or benchmark for bob Digi Udyam. The applicable rate must be confirmed in the sanction and current Bank of Baroda rate schedule.

A concession in processing fee is advertised for loans up to ₹50 lakh (₹50,00,000), but the page does not publish the concession amount, standard fee, documentation fee or other applicable charges. Fees and duties once paid are not refundable.

The page lists cash credit, overdraft, term loan, demand loan, bank guarantee and letter of credit facilities but does not publish a repayment or validity period for any facility. Tenure is set in the sanction terms.

Micro, small and medium enterprises carrying out defence-related manufacturing, services or trading in India and holding a valid defence procurement contract or sub-contract.

Above ₹10 lakh to ₹50 crore.

Up to 10 years for term loans.

Purchase of looms and related capital expenditure, plus need-based working capital.

₹5 lakh inclusive of demand-loan and working-capital finance.

Business-related activity, including working capital and acquisition, construction, expansion, renovation or modernisation of an existing unit or shop, or another purpose within the scheme scope.

Applicant aged 18 to 29 operating an Udyam-registered enterprise.

Collateral-free loan backed by CGTMSE coverage.

84 to 120 months.

Up to ₹30 crore.

Up to 100% of chassis ex-showroom price, up to 60% of body cost and up to 95% of fully built vehicle price.

Concessional one-time processing fees apply, but the reviewed official page does not publish the amount or percentage.

Up to 5 years.

Fixed-capital investment and/or working-capital requirements through a composite loan facility.

Eligible micro, small and medium enterprises

Up to ₹100 lakh.

Competitive pricing linked to the Repo rate/MCLR.

3 to 10 years, extendable, with an initial holiday of 12 to 18 months for both interest and principal.

Eligible micro, small and medium enterprises

Primary security is the asset created from the credit facility or directly associated with the financed business/project. Separate facilities may be covered even when another facility has collateral or a third-party guarantee, subject to scheme rules.

Additional working-capital term loan for eligible direct and indirect exporters, including MSME exporters, to meet short-term liquidity needs and explore new markets.

For the Non-MSME variant, the borrower must be an existing standard account (excluding SMA-2) as at 30 September 2025, not an NPA with any bank/lender at sanction or disbursement, have an active working-capital limit and, as a direct exporter, at least 20% export turnover.

Up to 20% of sanctioned working-capital limits (fund-based plus non-fund-based), capped at ₹50 crore per borrower.

1% below the rate applicable to existing working-capital facilities on 19 November 2025, capped at 10% p.a.

The scheme provides 100% NCGTC guarantee coverage, requires no additional collateral and no personal/corporate guarantee, and creates a second charge on cash flows and existing securities.

Nil processing fee.

4 years including a 1-year moratorium.

Additional working-capital term loan for eligible direct and indirect exporters, including MSME exporters, to meet short-term liquidity needs and explore new markets.

For the Non-MSME variant, the borrower must be an existing standard account (excluding SMA-2) as at 30 September 2025, not an NPA with any bank/lender at sanction or disbursement, have an active working-capital limit and, as a direct exporter, at least 20% export turnover.

Up to 20% of sanctioned working-capital limits (fund-based plus non-fund-based), capped at ₹50 crore per borrower.

1% below the rate applicable to existing working-capital facilities on 19 November 2025, capped at 10% p.a.

No additional collateral or personal/corporate guarantee is required. The facility carries a second charge on existing securities.

4 years including a 1-year moratorium.

Published purpose-specific ceilings are up to ₹40 lakh for dealers/distributors of cattle or poultry feed and up to ₹30 lakh for sprinklers, drip irrigation and agricultural machinery. The page gives no overall scheme limit.

12 months.

Micro, small and medium manufacturing or service enterprises meeting the Government of India MSME investment and turnover definitions.

₹10 lakh minimum and ₹5 crore maximum for working-capital fund-based facilities.

First charge on all assets created from the loan or other security mutually agreed with the bank.

12-month working-capital tenor, subject to annual review

Purchase and installation of grid-connected rooftop or ground-mounted solar equipment/plant for captive use.

Minimum ₹10 lakh and maximum ₹30 crore including AMC and insurance fees.

Finance for upgrading existing micro food-processing enterprises, with support for individual units, FPOs, SHGs and cooperatives, plus branding, marketing, common processing/lab/storage/packaging facilities and technical support.

Working-capital fund-based: ₹250 per lakh or part above ₹3 lakh to ₹10 lakh, and ₹350 per lakh or part above ₹10 lakh, plus GST. Non-fund-based charges are 50% of fund-based charges. Fresh term loan above ₹3 lakh: 1% of sanctioned limit plus GST. Term-loan review above ₹3 lakh: ₹60 per lakh or part, plus GST.

Working capital is 12 months. Term loan is up to 84 months including a 12-month moratorium, subject to annual review.

Income-generating MSME and other priority-sector activity.

Individual true owner of pledged gold with a Bank of Baroda savings account opened before lending.

BRLLR + Strategic Premium + 1.00% p.a.

Up to ₹3,00,000: nil. Above ₹3,00,000: 0.25% of the limit, capped at ₹3,500 plus GST.

Up to 12 months.

Term finance for purchase of new construction or mining equipment.

Individuals, proprietorships, partnerships and companies engaged in construction or mining, including first-time buyers and small, medium, large and strategic-segment contractors/operators.

Up to ₹50 crore for purchase of new construction or mining equipment.

MSME interest is linked to the Repo Rate (BRLLR). Other enterprises’ interest is linked to the one-year MCLR. The page describes the rate as concessional/competitive but publishes no numeric spread.

Minimum 10% margin.

Up to 5 years.

Regulatory MSME borrowers and expanded SME borrowers rated BOB-5 or above. Manufacturing and service units must have operated in the same line of activity for at least 2 years, maintained satisfactory account dealings for at least 1 year and have no adverse account-conduct features.

3–7 years, including the moratorium period.

Eligible micro, small and medium enterprises

No collateral is required. The bank may hypothecate assets created from its finance, and the loan is covered under CGTMSE.

Nil

Standalone construction and mining equipment finance for the bank's existing, well-rated borrowers who need equipment repeatedly to execute work contracts.

Up to ₹50 crore.

Minimum 10%.

Concessional one-time processing fees are stated. The official page does not publish a numeric amount, percentage, cap or waiver condition.

Up to 5 years.

First loan: project cost up to ₹50 lakh in manufacturing and ₹20 lakh in business/services. Second loan for upgrading an existing PMEGP/REGP/MUDRA unit: up to ₹1 crore manufacturing and ₹25 lakh business/services.

Repayment is 3–7 years with an initial moratorium of up to 6 months. Interest is charged as applicable to the MSE sector.

Export-credit working capital through fund-based pre-shipment/post-shipment and non-fund-based limits.

Minimum ₹5 lakh and maximum ₹7.50 crore.

Provide demand or term finance to NBFC-MFIs for onward lending to qualifying individuals and groups under RBI Priority Sector criteria.

NBFC-MFIs engaged in on-lending to individuals or groups for activities eligible for Priority Sector classification under Agriculture, MSME and other RBI-defined categories.

Up to ₹3 lakh: one-year MCLR + SP + 0.50%. Above ₹3 lakh and below ₹25 lakh: one-year MCLR + SP + 1.50%. At ₹25 lakh and above, the spread depends on internal credit rating: CR-1 +1.40%, CR-2 +1.65%, CR-3 +1.90%, CR-4 +2.40%, CR-5 +3.40%, and CR-6 or below +5.40%.

10% on book debts created from funds borrowed from Bank of Baroda.

Fund-based and non-fund-based working capital, and new-project acquisition/construction of land and buildings and new or second-hand plant and machinery.

₹25 lakh minimum and ₹100 crore maximum.

Cash credit stock/book debts: minimum 25% (book debts up to 120 days). Term loan: factory land/building 30%, new plant/machinery 25%, second-hand plant/machinery under TUFS 30%, imported second-hand 30% and indigenous outside TUFS 40%.

Working-capital facilities: 12 months. Term loan: up to 10 years including moratorium.

₹25 lakh to ₹5 crore.

Up to 36 months, repaid in equal quarterly or half-yearly instalments.

₹10 lakh to ₹2.5 crore.

25% concession in the applicable unified processing, upfront and documentation charges.

12 months including the moratorium period.

Upgrade manufacturing processes through Energy Efficient Technologies that achieve minimum 15% energy savings, according to an approved Detailed Project Report.

Government support is 25% of project cost for approved Energy Efficient Technologies, with a maximum of ₹10 lakh per project. This is scheme support, not a published loan ceiling.

Not published on the reviewed TEQUP page. The page describes Government project-cost support and does not publish an underlying loan interest rate or benchmark.

Capital expenditure/fixed assets for starting or expanding a business or industrial unit, or replacement of high-cost existing debt from another bank or financial institution.

Bill discounting for eligible SME-regulatory and non-regulatory vendors/suppliers of large real-estate developers, against qualifying developer-linked bills.

Developer: RERA registered, externally rated A or above, at least 3 years in real estate and tangible net worth of at least ₹50 crore. Vendor/supplier: at least 2 years' association, at least ₹50 crore previous-year sales/services to the developer, positive PAT for the last 2 years and positive tangible net worth.

The page does not publish a universal bill amount, sanctioned-limit ceiling or minimum. Finance is described as bill discounting with a minimum 10% margin on the bill amount, so the drawable amount is subject to individual assessment and the published margin.

Minimum 10% of the bill amount.

Maximum 90 days.

Corporations and business borrowers with operating, inventory or receivables funding needs may apply, subject to assessment of the working-capital requirement and bank policy.

Any individual, woman, proprietary concern, partnership firm, private limited company or other entity setting up/upgrading a qualifying micro enterprise.

Maximum ₹10 lakh for term loan and/or working capital.

Existing business operating for the last three years, compliant with Udyam/GST/licensing requirements and profitable in at least two preceding years.

Minimum ₹10 lakh and maximum ₹20 crore.

Maximum repayment tenure is 15 years.

Minimum ₹10 lakh and maximum ₹5 crore.

Maximum eight years including an initial moratorium of 12 to 18 months.

Civil, mining, engineering and transport contractors organised as proprietorships, partnerships or limited companies.

Minimum ₹10 lakh and maximum ₹5 crore.

Udyam-registered MSME entity whose Registration Certificate is issued in the name of a woman entrepreneur.

Above ₹10 lakh to ₹10 crore, including export finance.

Starting from RBLR + 0.25% per annum.

3 to 7 years after an initial moratorium as prescribed by the financing bank.

3 to 12 months for both agriculture and MSME gold-secured demand loans.

3 to 12 months for both agriculture and MSME gold-secured demand loans.

₹8 lakh to ₹35 lakh.

12 to 36 months.

₹5 lakh to ₹50 lakh.

12 to 36 months.

₹25,000 to ₹10 lakh for agriculture, MSME and retail gold-secured facilities.

Gold pledged as security for the agriculture and MSME gold-loan facilities.

3 to 12 months for all three facilities.

₹25,000 to ₹10 lakh for agriculture, MSME and retail gold-secured facilities.

Gold pledged as security for the agriculture and MSME gold-loan facilities.

3 to 12 months for all three facilities.

₹1 lakh to ₹10 lakh.

Up to 22.50%.

12 to 36 months.

₹25,000 to ₹3 lakh.

Up to 16.52%.

12 to 36 months.

₹1 lakh to ₹25 lakh.

Up to 24%.

12 to 84 months.

MSME business borrowers

Small road transport operators purchasing commercial vehicles.

Up to ₹2 crore.

Up to seven years including moratorium.

Eligible civil, mining, engineering, transport, electrical, road, irrigation and pipeline contractors classified as MSMEs.

₹10 lakh to ₹10 crore.

Direct and indirect exporters, including MSME and non-MSME exporters, with eligible working-capital limits.

Maximum 10% p.a., subject to the Bank's pricing policy.

Nil guarantee fee, processing fee and prepayment penalty.

Four years fixed, including a one-year moratorium.

MSMEs: 8.80% p.a. at present. Non-MSMEs: 9.00% p.a. at present.

Nil margin, guarantee fee, processing fee and prepayment penalty.

Agriculture commodity traders, commission agents and arthias meeting MSMED investment criteria, with valid Udyam and GST registrations.

Above ₹10 lakh and up to ₹2 crore.

Demand loan repayable within 12 months.

Registered BAHMS, BAMS, BPT, MBBS or BDS medical practitioners with required approvals, MSME status and Udyam registration.

Up to 12 years.

Individuals, proprietorships, partnerships, HUFs, companies and LLPs in trading, manufacturing/processing or services.

Term loan: nil up to ₹5 lakh, then 1% through ₹20 crore. Working-capital/overdraft tariff: 0.35% p.a. above ₹5 lakh.

GST-registered MSME manufacturers, traders and service enterprises under sole banking.

Above ₹10 lakh and up to ₹25 crore.

Individuals or proprietary manufacturing, trading or service concerns with mandatory Udyam registration and eligible gold owned singly or jointly with a spouse.

₹20,000 to ₹1 crore.

RLLR + 0.40% = 8.45% p.a. using the current 8.05% RLLR. The page's displayed 8.70% example uses an older 8.30% RLLR.

Maximum 12 months for EMI and bullet repayment.

Eligible MSMEs purchasing machinery or equipment.

Up to ₹50 crore.

Up to seven years including moratorium.

MSMEs in manufacturing, trading or services with a viable project and required statutory registrations.

Up to 10 years, including up to two years' moratorium.

DPIIT- or permitted-government-recognised innovative or scalable startups in an accepted private-company, registered-partnership or LLP form.

Up to 10 years.

25% of project cost for the term loan.

ECLGS 5.0, GECL and LGSCATSS publish nil processing fee or nil applicable charges. LGSCAS, MCGS-MSME and other guarantee schemes direct other service charges to extant Bank guidelines rather than publishing a product-specific numeric fee.

Up to ₹50 crore: maximum 8 years plus up to 2-year principal moratorium (10 years including moratorium). Above ₹50 crore: maximum 12 years plus up to 3-year principal moratorium (15 years including moratorium).

Street vendors operating in ULBs, census towns and peri-urban areas, identified by a valid ULB/TVC CoV, ID card or portal-issued LoR approved by the BDO.

Nil.

MSME activities: RLLR-linked. Non-MSME activities: RLLR and MCLR-linked according to activity. No numeric scheme spread is published on the reviewed page.

3 to 7 years after an initial moratorium period.

25%.

Qualified, approved or registered chartered accountants, company secretaries and architects in independent practice, with MSME status and Udyam registration.

Term loan: nil up to ₹5 lakh, then 1% through ₹2 crore. Working-capital fee: nil up to ₹5 lakh.

Up to seven years.

Individuals, proprietorships, partnerships, private/public companies, LLPs and OPCs that are MSME solar vendors/channel partners/subcontractors.

25% for stock and 25% for book debts up to 120 days.

Composite loan from ₹10 lakh to ₹1 crore, combining term loan and working capital.

Up to 7 years, with a maximum moratorium of 18 months.

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

Nil.

MSME individuals, proprietorships, partnerships, LLPs and companies in the published textile manufacturing, processing and trading activities.

Up to 10 years including up to 18 months' moratorium.

Existing or new small enterprises with Canara credit, including manufacturing and service units.

Up to and including ₹2 crore (fund-based and non-fund-based combined).

Direct MSME exporters (minimum 5% export turnover), direct non-MSME exporters (minimum 20%) and indirect MSME exporters supplying at least 30% of turnover to eligible direct exporters.

1 percentage point below the existing working-capital rate, capped at 10% p.a.

Registered medical practitioners in allopathy, dental, ayurveda, unani and homeopathy and their clinics, laboratories, hospitals and related enterprises.

Maximum repayment period five years with monthly interest/instalment servicing, including a maximum six-month moratorium.

Minimum RLLR and maximum RLLR + 0.70% p.a., subject to the linked MSME schedule.

Minimum above ₹1 lakh and maximum ₹5 crore (₹500 lakh), based on GST turnover.

Fund-based working-capital limit is tenable for one year from the date of sanction.

Small and medium enterprises acquiring energy-conservation or energy-saving equipment/measures.

Maximum term loan ₹1 crore.

RLLR-linked Canara rate under prevailing guidelines, subject to change.

Maximum 5–7 years including 6-month moratorium.

GST-registered MSMEs in manufacturing/services, including listed individual, firm, company, trader, professional and self-employed forms.

Above ₹10 lakh and up to ₹10 crore.

Starting from 8.25% p.a., subject to terms and conditions.

Working-capital facility tenable for 12 months.

The official scheme page links applicable service charges but prints no fixed numeric processing fee.

Micro and small service enterprises under Mudra, including cafeterias, restaurants, self-service hotels, mobile canteens, dhabas and fast-food centres.

Earth-moving, construction, railway, road and canal contractors and manufacturing/service business units other than trusts.

₹20 lakh minimum and ₹300 crore maximum.

Maximum five to seven years, repayable in EMIs.

MSME contractors/sub-contractors in civil, mining, electrical, mechanical and construction work with registered operative accounts and contracts.

RLLR + 0.70% to RLLR + 1.50% p.a., subject to the applicable risk rating, collateral value and scheme conditions.

MSME exporters with regular credit limits and satisfactory Canara Bank track record for at least three years.

Maximum three years with an initial repayment holiday of up to three months.

Hospitality-sector MSMEs: hotels, resorts, restaurants, fast-food centres, dhabas, pizza centres, messes, caterers and marriage/banquet halls.

Artisans, village industries and micro/small enterprises including tiny units with at least three years' satisfactory dealings.

Aggregate limit ₹10 lakh, including any other limit under the scheme.

Limit valid for three years subject to annual review.

MSMEs manufacturing pharmaceuticals, APIs/API intermediates or trading pharmaceuticals as wholesale, retail or C&F agents.

Upfront, processing, NFB commission, appraisal and commitment charges may receive 50% concession for Low risk, 25% for Normal risk and no concession for Moderate risk.

MSMEs with Canara facilities need three profitable years and two preceding years of satisfactory banking credit records. Non-borrowers need three years’ same-line promoter/concern profit history, satisfactory market report and OPL from the existing banker.

Minimum ₹25 lakh and maximum ₹10 crore, subject to sub-debt assistance not exceeding one-third of post-project tangible net worth.

Repayment over seven years including moratorium.

Architects, engineers, valuers, management/financial consultants, chartered accountants, cost accountants, company secretaries and registered medical doctors.

MNRE-registered MSME solar vendors, channel partners and sub-contractors executing residential solar projects.

Above ₹10 lakh and up to ₹5 crore.

Working-capital facility tenable for one year.

Existing/new MSME borrowers and registered transport operators organised as individuals, firms, companies, LLPs, trusts or societies in manufacturing, services or retail trade.

Self-employed traditional artisans and craftspeople such as blacksmiths, goldsmiths, potters, carpenters and sculptors.

MSME loans from ₹2 lakh to ₹5 crore may be applied for through the platform.

DPIIT-recognised MSME start-ups with valid Udyam, viable model, recognised incubator/accelerator/investor support, fully tied-up equity and stable revenue.

Above ₹10 lakh and up to ₹20 crore.