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

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

Eligibility 
   Individuals / Business Entity / Professionals

Quantum of Finance 
   Maximum Rs. 7 Crores ( per party )

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 Form 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
   C.A. Certified 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/Directors/Partners
   Projected financial statements for 3 years in CMA format for working capital
   Projected Profitability / Cash Flow Statement for Term Loan