SR.NO.	PARAMETERS	PARTICULERS
1	Group / Sector	To meet the financial requirements for setting up of new/ expansion/ renovation/ modernization of Nursing Home/ Clinic / Hospital / Veterinary Hospital / Infrastructure for Medical Tourism including Pathological Laboratory, Diagnostic centres etc. To purchase medical equipments (including Vehicles, ambulances and Implants) and office equipments, viz. computers, air conditioners, office furniture, etc.
2	Eligibility	a. All practicing qualified medical practitioners holding a recognized graduate degree in any branch of Medicine/ Surgery /Dental Science / Physiotherapy/ Radiology/ Pathology /Diagnostic imaging etc  with minimum qualification of : - MBBS - BAMS - BHMS - BDS - BV. Sc & AH OR - Degree in Para medical services like; - X-ray Technology and Radiology - Medical laboratory Technology - Physiotherapy - Optometry of Ophthalmic Technology c. The Repayment period shall not exceed 70 years of age of the applicant unless co-applicant has independent income to service the loan. d. All courses/degrees should be recognized by related statutory/ regulatory authorities in India
3	Type of Facility	Term Loan / Working Capital
4	Quantum of Exposure	a. Depending upon the requirement and as per the project report, maximum quantum of loan will be Rs.20.00 Crore Sub limit for the same are as under: - Working capital will be 25% of the maximum limit subject to celling of Rs. 5.00 Crore. - Term Loan up to Rs.20.00 Crore.
5	Margin	a. Term Loan : Minimum Margin for Term Loans: - For Purchase of Equipment & Vehicle : 15% - Construction / Acquisition of premises (Including/ Expansion/ Renovation / Modernization of Existing premises) : 35% - Wherever the loan is for Purchase of Site and Construction of Hospital/ Clinic, financing the Cost of Land/ Site shall be restricted to 30% of the Total Project Cost. b. Working Capital - Assessment: As per Norms prescribed in the Loan Policy.
6	Rate of Interest	As per bank policy.
7	Repayment/ Moratorium	a. Maximum 84 Equated Monthly Installments (EMI) . b. Moratorium period of Maximum up to 6 months may be permitted within Maximum repayment period of 84 months if required/ requested. Repayment period shall be based on durability and useful life of the asset. c. For new construction – Maximum 180 months period including 24 months Moratorium period. The repayment period should be co-terminus with maximum permissible age (70 years).
8	Primary Security	Prime Security in the form of Hypothecation/ Charge of assets purchased/ Created out of bank’s finance.
9	Collateral Security	a. In case of purchase of equipment / machinery / vehicles etc: Minimum Collateral requirement is 25% of the loan amount. b. Acquisition / Expansion / renovation of premises: Minimum Collateral requirement is 25% of the loan amount. In case of Mortgage of Land & Building (in the subject scheme), Value over and above Bank Finance may be considered for Collateral Security Coverage. d. Guarantee: Personal Guarantee of all co-owners of the security to be obtained. Personal Guarantee of all partners in their individual capacities in case of finance to partnership firms. Personal Guarantee of Directors / Trustees/ members in case of finance to Ltd Company / Trust/ Society. e. CGTMSE Coverage: Eligible Loans up to Rs 2.00 Crore to be covered under CGTMSE, as applicable. Hybrid model of CGTMSE may also be utilized.

Note : Conditions apply. The information provided above is only illustrative and not exhaustive.