• Micro & Small Enterprises owned and managed by Women Entrepreneurs. In case of a partnership concern or company, majority of partners should be women and in case of company, majority of directors should be women
• Proprietorship, partnership concerns (including LLP), Limited Companies etc belonging to Micro and Small Enterprises.
• Units should have in place all necessary statutory approvals / NOCs from respective authorities.
• All new as well as existing accounts can be covered under this scheme.
• Credit Rating of the borrower should not be below UBI-5 in case of new connection and UBI-4 in case of takeover advances

• Cash Credit / Term Loan

(rate of interest is subject to revision from time to time)

• In case of exposure upto Rs.10.00 lacs, no collateral security is to be obtained.


• In case the exposure is covered under CGTMSE, no collateral security is to be obtained upto Rs.100.00 lacs.


• In cases where the exposure is not covered under CGTMSE, minimum collateral as acceptable to the Bank to be as under