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  • 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
Quantum of Finance - Minimum Rs.2.00 lacs and Maximum Rs.100.00 lacs

Credit Rating




MCLR +1.15%

MCLR +1.40%


MCLR +1.90%

MCLR +2.40%

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

Margin – Upto Rs.10.00Lacs – 5% / Above Rs.10Lacs – 15%
Processing chargesNil
Repayment period Working Capital - One year / Term Loan - Maximum 84 months including moratorium period of maximum 12 months
Primary -In case of working capital limit, exclusive charge on stock and book debts and in case of term loan, exclusive charge on assets created out of bank finance.
  • 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

- In case of Working Capital only: Minimum 25% of the loan value.
- In case of Term Loan for purchase / construction / renovation of shops / godown: Minimum 15% of the loan value.
- In case of composite loan (Both working capital and term loan): Minimum 15% of the loan value
Guarantee -
Personal guarantee of the proprietor / partners / directors.
Personal guarantee of property owner which is offered and accepted as collateral security.
Conditions apply: For further details, please visit our nearest branch