Beti Bachao Beti Padhao

Mahabank GST Credit Scheme


  • MSME Units engaged in trading/services/manufacturing activity irrespective of constitution with standing in business of at least one year.
  • The MSME unit/borrower should have requisite registration under GST Act i.e., Provisional Registration (GST REG-25) or Final Registration (GST REG-06)
  • The MSME unit/borrower should have valid GST returns i.e., GSTR-1(Regular) for minimum latest 3 months / GSTR-4(Composition) for latest quarter.
  • The facility under the scheme is available only under Sole Banking.


To fund need based working capital requirement for trading/services/manufacturing activity

Nature of Facility

Working Capital (Fund & Non fund based)

Quantum of Finance

Minimum above Rs.10.00 lakh;

Maximum upto Rs.25.00 crore


25% of paid stock & receivables

Rate of Interest

​RLLR linked
  • Incentive by way of ROI reduction if collateral is provided
  • CGTMSE cover available for loan amount of upto Rs.5 Crore


Primary: Hypothecation of Inventory & Receivables


  • No third party guarantee or collateral security, if the advance is covered under CGTMSE.

Processing Fees

As per extant guidelines

CMR for New / fresh Borrower

CMR 1 to CMR 4

Concession in Processing Charges for takeover loans / new MSME borrowers (New to Bank)

CMRProcessing Fee
1 & 2NIL
3 & 450% Concession

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