Key Points of MSME Products (16.01.

2019)

Name of Eligibility Exposure Margin Collateral Credit Other

Scheme Rating

Union Trade MSE: Traders and Max. Rs.25 Crore WC 75% CR-5
Service Sector Upto 10 Lac: Nil
W/w TL Max. Rs.5 >10 lac: 20%
crore TL: 25%

Union Trade -MSE: Traders Min: >10 lacs 20% 100% CR-4 -For DP: Stock upto 4 months
Plus only Max: 10 cr
w/w TL max 1 cr - Upto crore: Stock St-
-Established (TL>1 to 5 cr: Quarterly
business≥1 FY RLCC
-Rating Model: UTR I/ II
TL>5 cr: ZLCC)

-SU/Rural Br: max

crore

- New Borrower:
Max.5 Crore

Union Trade GST -MSME Min: >10 lacs 20% 100% CR-5 -GSTR-1 should have been filed
Max: 2 cr for last 3 months or GSTR-4
-Sole Banking (WC only) should have been filed for
atleast one quarter

-Limit: Max 30% of projected

accepted sales

- Stock St-Quarterly basis

Union Turnover -MSE Max 5 cr (FBWC 20% 50% CR-5 Limit Assessment:
Plus -Operating cycle only)
>3M ➢30% of the digital portion of
-Digital Portion of projected sales

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 turnover ≥25% of ➢25% of the balance portion
total projected of projected sales
sales

-Sole Banking

U. High Pride -MSME (traders Min>1cr 20% 50% CR-3

not eligible) Max 25 cr
-CR1 to 3
-Established
business≥1 FY
-Sole banking for
limit upto Rs.5 cr

SME Plus -MSME (Other -25% of regular 25% Extension of CR-4 -Adhoc WC and TL can be given
than Traders) WC (FB+NFB) existing
- Satisfactory limits, max. mortgage -Adhoc CC: ROI 1% extra
dealing of Rs.2.5 crore
minimum two -Adhoc TL repayable in 60
years under credit months inclusive of moratorium
facilities without max.6M
any overdue
-existing WC limit
of ≥Rs.25 lakh
Sole banking
Union Progress MSE Max. 1 crore Upto 10 lac: 10% 60% CR-5 Processing charges:
>10 lac: 15%
-Nil for limit upto Rs.10 lakh

-Above Rs. 10 Lacs- Rs. 1000.00

flat + GST for Micro units and
50% of applicable rate for small
units.
U. NariShakti -MSE Min 2 lac Upto 10 lac: 5% Nil, afterwards CR-5
-Women only Max 1 cr >10 lac: 15% WC: 25%
-Sole banking TL:15%
Composite: 15%

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Stand-Up India -SC/ST & Women Min 10 lac -25% including Nil CR-5 Term Loan to be repaid in max
-Greenfield Max 1 cr subsidy by 7 years including max.
Project (i.e. new State/Central moratorium of 18 months
business) Government

-Minimum
margin from
promoters 10%
(e.g. if
governments
give 20% subsidy
total margin will
be 30%)

Union GST Input -Existing borrower Max:20% of - - - -CA certified detail of input
Credit availing FBWC existing working credit pending for last three
capital limit or months required
- Borrowers 80% of input tax -ROI will be 1% over the ROI
already covered claim due on approved for present limit
under U. Trade purchases for last -The loan is to be repaid either
GST are not three months in one bullet payment or
eligible only, whichever is maximum 6 equal monthly
lower installments

Union Liqui -In business for 2 Min 10 lac ▪ Term Loan: Max 5 times of avg. net annual income of last 3 years along with
Property years depreciation or 50% of the fair market value of the landed property offered
Max 10 crore as security whichever is lower.
- Individuals and
▪ Overdraft: Max. 20% of the annual turnover based on last audited BS or 50%
HUF not eligible
of fair market value of the property offered as security. Cash budget method
for limit above Rs.5.00 crore.
▪ Financial benchmark
▪ CR: not below 1.00
▪ TOL/TNW: not exceeding 6:1
▪ DER :Not exceeding 4:1

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 ▪ Average DSCR not below 1.50:1 with minimum DSCR of 1.20:1
▪ Term loan in maximum 120 months inclusive of moratorium period not
exceeding 6 months
Union Start-Up -Certified as Min 10 lac 20% Nil CR-5 -Term Loan to be repaid in
‘Start-up’ maximum 10 years including
Max 5 crore moratorium period not
exceeding 36 months
-RLCC-1 and above only may
exercise delegation under the
scheme

Scheme for ▪Age of the Min > Rs.25000 ▪Std account: Nil TL to be repaid in max. 36
Financing 2nd vehicle not Max: Rs.5.00 lakh 20% of the months to start from
older than 2 consensus subsequent month of the
Hand LCV disbursement.
years price
▪Original loan ▪NPA account:
must be older 25% of the
than 6 months auction price
▪Period of NPA or the
not older than 6 consensus
M price
▪Max. Age 65 yr

Union Parivahan ▪Brand New TL only ▪Under tie-up: 25% CR-5 -Repayment in max 60 M (EMI
Vehicles: 15% based) inclusive of moratorium
LMV/HCV/HMV Max. 5 crore of max 3M for HCV/HMV, in case
▪Under Non
under Tie-up, of LCV/LMV:1M
etc Tie-up: upto 2
otherwise max. 2 -sanction > 5 vehicles: DA with
lakh 15%, SLCC-I/II onwards
crore
more tha 2
lakh:20%
Union MUDRA ▪Micro Units only Upto Rs.10 lakh as ▪5% for ‘Shishu’ NIL CR-5 -TL to be repaid in maximum 84
▪Allied per Shishu / category and months inclusive of maximum
Kishore / Tarun 10% for moratorium of 6 months.

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 agriculture category Kishore & -EMI based repayment
activities Tarun -Nil Processing Charges
eligible categories -MUDRA card will be issued by
▪In case of earmarking sanctioned working
individual and capital limit: 20% of sanctioned
limit subject to minimum
proprietary
Rs.5000/ and maximum
concerns, their Rs.50,000/-.
relatives
(relative as
defined in Loan
Policy) may join
as co-borrower
Union Procure ▪Selected Min 25 lakh, Max. ▪Nil 10% CR-5
vendors 5 crore
supplying to
identified large
corporate
borrowers of
the bank
▪It is receivable
financing
Union Dealers ▪ Selected Min 25 lakh, Max. ▪ Nil -Nil For dealer UBC-4 -w/w a CC(H) of maximum 10%
Finance Scheme authorized 50 crore ▪For GEM / having more of the limit assessed for dealer
dealers / than 2 years of finance may be given.
Jewellery
Franchise of manufacturers relation with -Adhoc limit upto 20% of the
OEM / OEM/Corporate sanctioned limit will be
of repute,
sanctioned along with the
Corporates minimum , else 25%
regular limit and can be availed
▪ Dealer should margin of 25% max two times in a year
be dealing with
the
OEM/Corporate
in satisfactory
manner for at
least one year

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