SME Energizer

• The applicant should have a valid Business Registration 
• Both existing and new customers can obtain the credit facility
• Borrower should not be a willful defaulter of any financial institution.
• Annual turnover of the eligible businesses should be below Rs 1.0 bn. 
• In case of a manufacturing sector the total number of employees should be below 300, in case of 
• Service sector the total number of employees should be below 200.
• The applicant should be able to submit a business plan/project proposal with a positive cash flow
• The applicant should have the required knowledge and skills to operate the respective project in a viable manner

Maximum quantum of loan (both investment and working capital) 

• Category I - MSME businesses - Rs.25.0 Mn or 75% of the project cost, whichever is less
• Category II - Start-up projects - Rs.2.0 Mn or 75% of the project cost, whichever is less

• Category I & II
  5 years inclusive of optional grace period of six months, depending on the nature of the business.