CHARTERED ACCOUNTANT MEET

AO NAGPUR

WELCOMES YOU
 TAKEOVER NORMS

• Internal Credit Rating should be min. SB 7/CUE 7 or better.

• Satisfactory Credit Information Report (CIR) from existing Bank.
• Should be profitably in operations for minimum 2 years.
• No restructured/ rescheduled accounts. Prompt repayment record.
• No dilution in existing security coverage.
• Perfection of Security to be done within 90 days from date of disbursement.
• Liquidation of existing credit facilities upto 2 months will be treated as takeover.
• Satisfactory Stock audit report for takeover of exposure more than Rs. 5.00 Cr.

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 REVAMPING OF CIRCLE CREDIT STRUCTURE AND SYSTEMS

To improve the connect with the Customers and to develop SME Business, 8 SME Intensive Branches have been identified in
Nagpur Module. Further to cater business requirement upto Rs.50.00 lacs we have 1 SMECC at Nagpur and 6 RACC at district
headquarters.

SANCTIONING STRUCTURE: (Amt in Cr.)

Committee Corporate Non Individual Individuals

CLCC 25 10 7
ZCC 18 8 7
RCC 6 6 6

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 COLLATERAL BASED PRICING
Collateral Based Pricing: > Rs. 50.00 lakh upto Rs. 25.00 Cr.

Collateral Value > Collateral Value > 75 % Collateral Value > 50

Rating EBLR % to 75% (RV)
100% ( RV) to 100% (RV)
Spread Effective Spread Effective rate Spread Effective
rate rate

SB/CUE 1-5 6.65 1.00 7.65 1.25 7.90 1.50 8.15

SB/CUE 6-7 6.65 1.50 8.15 1.75 8.15 2.00 8.65

SB/CUE 8-9 6.65 2.00 8.65 2.25 8.90 2.75 9.40

SB/CUE 10 6.65 3.00 9.65 3.25 9.75 3.75 10.40

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 FOOD PROCESSING AND AGRO BASED UNITS

Rating Collateral EBLR Spread Effective

SB/CUE 1-5 >75% 6.65 0.45 7.10

SB/CUE 6-7 >75% 6.65 0.95 7.60

SB/CUE 8-9 >75% 6.65 1.40 8.05

SB/CUE 10 >75% 6.65 2.80 9.45

SB/CUE 1-5 30% to 75% 6.65 0.95 7.60

SB/CUE 6-7 30% to 75% 6.65 2.15 8.80

SB/CUE 8-9 30% to 75% 6.65 2.50 9.15

SB/CUE 10 30% to 75% 6.65 3.20 9.85

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SME PRODUCTS
 AAROGYAM Healthcare Business Loan
Parameter Feature
Target Group Hospitals/ Nursing Homes, Diagnostic Centres and Pathology Laboratories etc.
To finance qualified medical practitioners having experience of 2 years for setting up Clinics/ Nursing homes/
Purpose  Hospitals/ Pathology Labs/ Diagnostic Centre.

Individuals/ Proprietorship Firms/ Partnership Firms/ Corporates/ Trusts/LLPs (with powers to borrow)
Eligibility Criteria Applicant should have minimum 2 years of experience. MSMEs must be registered in Udyam portal.

Nature of facility Term Loan, Cash Credit, Bank Guarantee, Letter of Credit.

Minimum: Rs. 10 lakhs

 Maximum: Metro Centres : Up to Rs. 100 Crores
Quantum of loan Tier-I and Urban Centres: up to Rs.20 Crores.
Tier-II to Tier-VI Centres: Rs.10 Crores.

Project Debt: Equity: 3 :1

Margin Term Loan - 25%, Cash Credit - 25% (Stocks), Receivables: 40% Cover period: 90 days,BG/LC – 25%

Limit above Rs. 10 lacs to below Rs. 50 lacs: EBR/ One Year MCLR + 2.50%
Rate of interest Limit of Rs. 50 lacs to Rs. 100 Cr: upto EBR/ 6 Months MCLR + 2.50%

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 AAROGYAM Healthcare Business Loan contd…
Parameter Feature
Cash Credit: Yearly Renewal. Repayable on demand.
 Repayment Term Loan: Maximum period of 10 years including moratorium period.(Max moratorium 18 months)
For Brownfield (Expansion) project: Moratorium may be 6-12 months.
Upfront Fee/ TL : 0.50% plus applicable GST.
Processing Fee CC: As per CRA/CUE rating. Max 0.175% plus applicable GST.
Loans up to Rs. 2 Crores:
Nil collateral, if covered under CGTMSE. Guarantee Fee to be borne by borrower.
Collateral Security
Loans above Rs. 2 Crores to Rs. 100 Crores:
Minimum 25% SARFAESI enabled tangible collateral security.

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 SANJEEVANI SME LOAN
Parameter Feature
Target Group Manufacturers and suppliers of medical oxygen, Oxygen cylinders. Existing Hospitals/ Nursing homes
Purpose  Set up of oxygen plant along with the power back up in the hospital for medical use

Individuals/ Proprietorship Firms/ Partnership Firms/ Corporates/ Trusts/LLPs (with powers to borrow)
Eligibility Criteria
Applicant should have minimum 2 years of experience. MSMEs must be registered in Udyam portal.
Nature of facility Term Loan, Letter of credit (Letter of Credit should be liquidated by debit to Term Loan)

Quantum of loan Upto Rs.2.00 Crore.

In case of existing customers/ hospitals 100% financing can be considered. In case of Standalone proposals of
Margin New Customers: 15% margin.

Rate of interest EBR + 1.50% (Current Effective Rate 8.15%)

Repayment Maximum period of 5 years including moratorium period Maximum moratorium 6 months.

Loans to be invariably covered under CGTMSE. (Guarantee Fee to be borne by the Bank.)
Collateral Security For Non-MSME units: Min. 25%.

Upfront Fee Waived.

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 ASSET BACKED LOAN(ABL)
Parameter Feature
Build-up of Current Asset, Acquisition of Fixed Asset, Capacity Expansion/ Modernisation, Short Term
Purpose 
Working Capital
Nature of facility Drop-line overdraft facility OR Cash Credit.

Quantum of loan Above 10 Lakh up to 20 Crores.

Loan to Value 60% of Realisable value of Immovable property offered as collateral

Rate of interest  EBR/One Year MCLR + 2.30% (presently effective rate 8.95)

12 months to 240 months. Moratorium period maximum upto 18 months. Interest to be served monthly
Repayment
during moratorium period

Processing Fee 1 % of the limits + GST (Upper Cap: Rs. 10 Lakhs)

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 ASSET BACKED LOAN-CRE(ABL-CRE)

Parameter Feature
Purpose  Creation/acquisition of real estate

Nature of facility Drop-line facility

Quantum of loan Above 10 Lakh up to 50 Crores

Loan to Value 50% of Realisable value of Immovable property offered as collateral

Rate of interest  EBR/One Year MCLR + 3.05% (presently effective rate 9.70% P.A)

12 months to 72 months. Moratorium period maximum upto 18 months. Interest to be served monthly
Repayment
during moratorium period

Processing Fee 1 % of the limits + GST (Upper Cap: Rs. 10 Lakhs)

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 ELECTRONIC DEALERSHIP FINANCE SCHEME
• 100% inventory financing for dealers.
• Robust & secure electronic platform
• Minimum collateral as per agreement with IM.
• Competitive pricing
• Tie up with more than 300 Industry Majors from all sectors
Automobiles FMCG Oil Consumer goods

Tata Motors, Maruti

HPCL,
Suzuki, Hyundai
IOCL, LG, Phillips, SONY,
Motors, HONDA HUL, Colgate
BPCL, Samsung, Kajaria Tiles,
Cars, FORD India, Palmolive, ITC
Essar etc
TVS Motors,
(Nyra)
TOYOTA, etc
BONUS PRODUCT
 SME Finance for Chartered Accountant through CLP (Digital Lending
Parameter Feature Platform)
CA or Firm should be registered with the Institute of Chartered Accountants of India and currently under
practice.
Target Group and Eligibility:
• Minimum Age: 25 Years, Maximum Age: 65 years
Eligibility • CoM/ CoP should be at least 5 years old.
• ITR for past 3 years should be available.
• Registered in UDYAM Portal as MSME and have obtained Udyam Registration Certificate

Overdraft: Salaries to employees/ Overheads/ Expenses pertaining to office.

Term Loan: • Purchase of Office Equipment, Computers, Fixtures Fixed assets/ Renovating office premises.
Purpose  • For Construction of office premises on self-owned land/ firm land/ Promoter’s land.
• For acquisition of ready built new office premises on ownership basis.

Nature of facility Overdraft , Term Loan

• Overdraft: Min: Rs. 2 Lakhs; Max. Rs.25 Lakhs.
Quantum of loan • Term Loan: Min. Rs.2 Lakhs; Max: (i) Metros: Rs. 100 Lakhs (ii) Other Centres: Max. Rs.75 Lakhs.
Margin Term Loan: 25%, Overdraft: Nil (Finance: 25% of Gross Receipts of the Firm/ CA.)
Overdraft: EBLR + 2.50% (Present effective rate 9.15%)
Rate of interest Term Loan: EBLR + 2.00% (Present effective rate 8.65%).
Collateral Security Overdraft: Nil. Term Loan: Loan to be covered under CGTMSE.

Repayment Period Overdraft: On demand. Term Loan: Repayable in 60 EMIs. (With maximum moratorium of 12 months).

Processing Fee Max. Rs. 1000 plus applicable GST

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Thank You