To provide working capital term loan finance to small traders/vendors.

  • Small businessmen/ traders/vendors.
  • Businessmen should have been in existence for at least two years.
  • Should not be availing any credit facility from any financial institution/ bank for existing business activity.
  • Borrowers residence/place of business establishment shall fall within the service area of the business unit through which the loan is disbursed.
  • Outlook for the sector/s in which the firms are involved should not be negative.

Min: 10,000. 

Max: 3,00,000.

25% of paid up stocks and book debts.

Primary: Hypothecation of stocks existing and to be purchased & Book debts.

Collateral: Upto 50,000 Nil. 
                Above 50,000 Third party guarantee of two persons of sound means.

5 years from first disbursement subject to review after every two years.