Business loans    Working Capital / Term Loans and all other       credit facilities.       Udyogini, a specially designed loan scheme       for women Entrepreneurs.

Purpose
   Working Capital, Long Term Needs like
   Cash Credit, Overdraft for working capital
   Term Loan against commercial premises / Galas,
   factory, Plant & machinery, Furniture & Fixtures }> Working capital for exporters
   Bill Discounting
   Bill Discounting under LlC
   Project Finance
   Non-Fund base credit needs like
   Inland Guarantee of our Bank / Private Banks
   Nationalized Banks
   Inland/Foreign Letter of Credit

Eligibility
   Individuals

Quantum of Finance
   Maximum Rs. 5 Crores

Security
   Hypothecation of Stock & Book Debts / Plant &
   Machinery / Furniture & Fixtures
   Mortgage of Premises / Gala / Factory / Flat
   Collateral security of immovable assets / LIP /NSC/FDR etc.

Repayment
   Maximum 60 months (5 yrs), in case of term loan
   Yearly review in case of working capital limit

Guarantors
   Two

Common Documents
   Attested photocopy of PAN card / Passport / Driving License. !
   Attested photocopy of Ration Card /Electricity bill / Telephone bill
   Latest Salary Slip and Fonn No. 16 in case of salaried persons
   Audited Balance sheet / Profit & Loss statement for last 3 years in respect of firm/company
   Income Tax returns, with computation of total income for last 3 years in case of
      professionals and self-employed persons
   Net Worth Form of borrower and guarantors
   Copy of Bank statement (at least six months)
   Latest passport size photographs

Other Documents
   Brief Profile of Firm/Company
   Projected financial statements for 3 years in CMA format for working capital
   Projected Profitability / Cash Flow Statement for Term Loan