SR.NO.	PARAMETERS	PARTICULERS
1	Group / sector	Retail Trade, Wholesale Trade, Commission agents, Professionals and Self-Employed etc., (other than Manufacturing).
2	Eligibility	a) Individuals/ Proprietorship / Partnership / Limited Liability Partnership (LLP) / Pvt. Ltd. Co., any other legal entity having GST Registration No. (wherever applicable) & valid Udyam Registration
3	Type of Facility	Term loan and/or Working capital (Fund Based and Non-Fund Based)
4	Quantum of Exposure	Minimum: Above  10.00 Lakh Maximum: Upto  10.00 Crores
5	Margin	25% margin in case of term loans and NFB. 30% Margin for construction ( TL) 10%-20% margin for Working Capital Based on loan amount.
6	Rate of Interest	As per bank policy.
7	Repayment/ Moratorium	Working Capital: Shall be sanctioned for a period of one year and renewed on annual basis.  Term Loan: Max. repayment period upto 7 years (including moratorium period) and beyond 7 years repayment shall be as per Bank’s extant guidelines.
8	Primary Security	Hypothecation of Assets i.e. Stock, Book Debts, P&M, Equipment,
9	Collateral Security	Hypothecation: Stocks and/or book debts (not more than 90 days) acceptable to the   bank.  Mortgage of immovable property (Commercial/Residential Property only) /approved securities whose value is equivalent of loan amount.  Personal guarantee of partners, promoter directors and owner of the immovable property.  Immovable property in the name of the borrowing unit, proprietor, partner(s), director(s) of the private limited company are accepted.  Immovable property in the name of Family members of proprietor/ partner(s) director(s) is also accepted subject to offering their her personal guarantee  Agriculture land, vacant site, tenanted premises (other than those to PSUs, PSBs, MNCs), properties prohibited by statutory authority are not acceptable.

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