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इंड एसएमई सिक्योर

इंड एसएमई सिक्योर

Apply For Loan
                             IND-SME Secure
S.No Particulars Guidelines
1.    Target Group All Micro, Small & Medium Enterprises (MSME) with Udyam Registration Certificate
2.   Eligibility Both Existing and New units

 

Finance can be extended to new units (Green-field) subject to the availability of 100% security in the form of immovable property / liquid security.
3.     Purpose Working Capital Requirements, Purchase of Fixed Assets, Construction of Building etc.
4.     Types of Facility 4.1 Fund Based:  OCC / EPC / Term Loan / Secured OD /  IBN / FBN

/ FBP

4.2 Non-Fund Based: LC / BG
5.     Loan Amount 5.1    Minimum Loan Amount: Above Rs.10.00 Lakhs

5.2    Maximum Loan Amount: No Ceiling (For Secured Overdraft, maximum loan amount is Rs.2.00 Cr per Borrower)
6.     Margin (Promoter’s contribution)
OCC 20% on Stocks & Book Debts
SOD 30% margin on Land and Building
Term Loan / Machinery 25%
Term Loan / Land & Building 30%
BG  (Perf / Financial) 10% / 25%

 

In case of extending loan to purchase of Factory / Industrial land alone & construction is at later stage, minimum margin of 50% to be ensured.  Loans for purchase of other land not permitted.
7.     Security Primary Security:

  • Secured OD : Mortgage of immovable property
  • OCC : Hypothecation of Stocks and Book Debts upto 90 days (can be extended to 180 days on a case to case basis depending upon nature of activity)
  • TL – Machinery / Building / Equipments – Hypothecation / Mortgage of assets created out of the term loan.
  • BG- Counter guarantee by applicant. Cash margin by way of FDR.
  • LC- Cash margin by way of FDR and Hypothecation of stocks procured against LC.
  • IBN / FBN – As per extant guidelines.

Collateral Security: 

  • Secured OD: Hypothecation of stocks & book debts.
  • Others: Mortgage of properties.

 
8.     Repayment terms (TL)
  • Maximum repayment period of 15 years (including holiday period)
  • Interest to be serviced during holiday period.
9.     Rate of Interest ROI ranging from 8.45% to 13.80%

 

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( अंतिम संशोधन Jun 08, 2026 at 06:06:53 PM )

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