MSME Schemes

Pradhan Mantri MUDRA Yojana (PMMY)

Maha MSME Project Loan Scheme

  • Term loan facility for establishment of various kinds of projects
  • Primary security of assets purchased/created
  • No collateral security for loans up to Rs.0.50 crore [CGTMSE Cover]
  • Minimum 25% margin
  • Repayment period up to 10 years including moratorium period of maximum 2 years.
  • Incentive by way of reduction in rate of interest if collateral security is provided

Maha MSME Machinery/Equipment Scheme

  • Term loan facility for purchase of machinery & equipments; Maximum Rs.20.00 Crore
  • Primary security of assets purchased/created
  • Collateral security for exposure upto Rs.1.00 Crore is not mandatory
  • Minimum 25% margin
  • Repayment period up to 7 years including moratorium period
  • Incentive by way of reduction in rate of interest if collateral security is provided

Maha MSME Cash Credit Scheme

  • Cash credit facility for working capital purpose
  • Primary security of current assets [Inventory & Receivables up to 180 days]
  • Minimum 25% margin
  • Incentive by way of reduction in rate of interest depending on the value of collateral security offered

Maha MSE Collateral Free Term Loan Scheme

  • Term loan facility for business purpose; Maximum Rs.1.00 crore
  • Security: Assets of the borrower as per definition of CGTMSE
  • No collateral security [Mandatory CGTMSE cover]
  • Minimum 25% margin
  • Repayment period upto 7 years including moratorium period

Maha MSE Collateral Free Cash Credit Scheme

  • Cash credit facility for working capital purpose; Maximum Rs.1.00 Crore
  • Security: Assets of the borrower as per definition of CGTMSE
  • No collateral security [Mandatory CGTMSE cover]
  • Minimum 25% margin

MAHABANK TRADE, SERVICES & MSE FINANCE SCHEME

  • Facility: Term loan; Cash Credit or combination of both; Letter of credit & Bank Guarantee
  • Finance assistance upto Rs.3.00 Crore
  • Security: Mortgage of immovable property
  • Margin 40% on latest value of security
  • Repayment period up to 7 years including moratorium period [For Term Loan]

MAHABANK VEHICLE LOAN SCHEME FOR SMALL ROAD TRANSPORT OPERATOR

  • For term loan, purchase of commercial vehicles, Loan quantum up to Rs.2.00 Crore
  • Security: Hypothecation of vehicle purchased
  • No collateral security for loans up to Rs.1.00 crore [CGTMSE Cover]
  • Minimum 15% margin
  • Repayment period up to 7 years including moratorium period

MAHABANK LOAN SCHEME FOR DOCTORS, CHARTERED ACCOUNTANTS, ENGINEERS & ARCHITECT

  • Composite loan limit up to Rs.5.00 crore for Doctors
  • Composite loan limit up to Rs.2.00 crore for CA, Engineers & Architect
  • Security of assets purchased/created out of bank finance
  • No collateral security for loans up to Rs.1.00 crore [CGTMSE cover]
  • Margin: 15% to 25%
  • Repayment period up to 7 years including moratorium period
  • For doctors: To purchase/construction of building, maximum repayment period [including moratorium period] up to 12 years can be considered
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