• Eligibility

    To meet future emergency capex requirement of the unit towards debottlenecking/ breakdown etc. to cater the need of MSME (Manufacturing & Service sector).

    Eligible Entities

    Borrower who Qualify MSME Plus schematic compliance.
    Minimum 2 Year satisfactory (Standard) conduct of account in banking system and accounts should not have been restructured & in profit for 2 years as per last review.
    At the time of regular sanction / review.

  • Finance
    Nature of facility

    Contingency Demand loan for MSME borrowers.

    Quantum of loan

    Upto 15% of the investment cost in P& M (Gross Block value) as per last audited Balance sheet with max. cap of ₹ 1.50crore.

    Requirement for CDL

    CDL will be based on documents evidencing/justifying the contingency and invoice

    Process Fee


  • Security and Margin

    Assets to be created out of bank finance & extension of charge on existing assets at the time of sanction of regular term loan.


    As applicable / already approved in case of existing TL.

  • Rate of Interest and Repayment

    1.00% over & above existing rate on fund based facility till regular sanction of Term loan.

    Repayment Period

    Max. 12 months, within which it will be converted into regular Term loan. This contingency loan to be adjusted by sanction of regular Term loan. Actual repayment will be fixed when regular Term loan is sanctioned depending upon cash flow.

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