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yo You are here path  MSME path Facilities for SME Borrower path PRADHAN MANTRI MUDRA YOJANA  
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To fund the unfunded and to bring the millions of units which are existing outside the formal banking fold and are unable to sustain or grow due to lack of finance  or relying on informal channels ,which are expensive or unreliable by bringing such enterprises to the formal financial system and extending affordable credit to them.

Any individual including women, proprietary concern, partnership firm, private limited company or any other entity are eligible applicant under PMMY loans.

For setting up of new/upgrading existing Micro business enterprises in the manufacturing, processing, trading and service sector and carrying out  activities allied to agriculture, financing to weavers and artisans (income generating activity).

Term Loan and/or Working Capital up to maximum Rs.10 lakhs under 3 categories

  • Shishu : covering loans upto 50,000/-
  • Kishore : covering loans above 50,000/- and upto 5 lakh
  • Tarun : covering loans above 5 lakh to 10 lakh


Maximum - 36 months for Demand Loan and 84 months for term loan including moratorium. Interest to be serviced as and when charged.


upto Rs.50,000 above Rs.50,000 up to Rs.5.00 lakh above Rs.5.00 lakh up to Rs.10.00 lakh
NIL 15% 15%


  1. Primary Security-
    • Hypothecation of all assets acquired out of bank finance.
    • Personal guarantee of promoters/directors.
  2. Collateral Security -
    • NIL

All eligible activity would be covered under the guarantee cover of NCGTC under ‘Credit Guarantee Fund for Micro Units’.
[No collateral security/third party guarantee to be obtained].

As prescribed by the Bank from time to time linked to MCLR

As per extant guidelines of the Bank.

MUDRA Application form

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List of Wilful Defaulters

With the implementation of Goods and Services Tax (GST), the existing service tax rate of 15% has been replaced by GST rate of 18% from July 1, 2017

All customers are requested to provide GSTIN to their branch alongwith supporting documents to claim input credit.

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Voting Result of EGM held on 04.05.2017

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MCLR w.e.f. 10.07.2017

Empanelment Of Sarfaesi Valuers

Details of unpaid / unclaimed Dividend

As part of FATCA/CRS requirements, all customers are requested to submit Declaration Form (For Individuals) / Declaration Form (For Entities) click to download with supporting documents to their Parent Branch immediately. Non-Compliance with this requirement may lead to freezing or closure of account as per guidelines.

Base Rate revised to 9.55% w.e.f 31.03.2017

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