Term & Working Capital Schemes

SME Short Term Loans

To meet temporary shortfall / mismatch in liquidity, for meeting genuine business requirements only.

Loan Scheme for Corporates

The Bank finances the corporate sector for its business activity and for setting up units, modernisation, diversification and upgradation.

Short Term Finance Scheme

Low cost credit programmes and cash flow financing to meet MSMEs specific short term cash requirements.

Working Capital Loans

To provide necessary working capital assistance to MSME units.

PNB Pragati Udyami

The financial assistance to both new and existing units, for acquiring fixed assets i.e. land, factory, building, plants, machinery and working capital facilities for Service industry like Advertising Agencies, Marketing / Industry Consultancy, Typing / Xerox Centre, Industrial Testing Labs, Cyber Café, Auto-repair, Laundry & Dry Cleaning, ISD / STD Booths, Cable TV Networks, Beauty Parlor and Crèche, etc.

SME Credit Plus

To meet expenditure such as Repairs to plant and machinery, Payments to labour, Tax payments and Additional purchases of raw materials for execution of BulkOrder

Working Capital Loan

The bank provides working capital loan for funding required level of current assets, employment of labour, power & fuel charges, other pre-operative and tangible expenses to enable the units to carry on its operations at the expected levels uninterruptedly.

SME Charter

Charter for MSME Sector

Term Finance Scheme

Fund Based Finance for capital expenditure / acquisition of fixed assets towards starting / expanding a business or industrial unit or to swap with high cost existing debt from other bank / financial institution.Non-Fund Based Finance in the form of Deferred Payment Guarantee for acquisition of fixed assets towards starting / expanding a business or industrial unit.

Loan Scheme for Entrepreneurs

For the endeavouring entrepreneur who dreams of setting up an enterprise, the Bank has a number of financial schemes.

Working Capital Finance to Transporters

HDFC Bank offers working capital finance to Transporters by way of cash credit or loans.

SME Easy Loan

Mortgage backed credit facility extended to SME customers.The property should be business/trading premises/residential property.

PNB Super Trade Scheme - for Financing Service Sector

Scheme envisages to meet the working capital requirements of the Service Sector including trading, business enterprises and professionals & self-employed

SME Smart Score

To standardize the loan appraisal process, reduce the delay in sanctioning process and bring in consistency in appraisal by eliminating objective element in assessment

Corporate Loan

On going capital expenditure/ technology up-gradation/ renovation, Repayment of high cost debt, VRS scheme, acquisition of trademarks, patents, shoring up NWC.

ACC - Artisans Credit Card Scheme

To provide adequate and timely assistance to the artisans to meet their credit requirements for both term loan and working capital.

Working Capital Finance Scheme

Bank of Baroda offers corporations Working Capital Finance to meet their operating expenses, purchasing inventory, receivables financing, either by direct funding or by issuing letter of credit.

SME Charter

To provide professional, efficient, courteous, diligent and speedy services in the matter of SME lending

Business Loans

Cash Credit / Overdraft for meeting working capital finance requirement, Export Credit  to  provide  Pre-Shipment & Post Shipment finance.Term Loan for purchase of commercial assets & business expansion needs

Special Hypothecation Scheme

Single unit covering assets, book debts etc.

PNB Sarthak Udyami

For setting up new units; expansion, modernization & renovation of existing units; purchase of land, construction of building, machinery, equipment etc; and working capital facilities.

Swarojgar Credit Cards

SCC Scheme aims at providing adequate and timely credit i.e working capital or term loan or both with a reasonable component for consumption needs from the banking system in a flexible, hassle free and cost effective manner to Small Artisans,Handloom weavers,Fishermen,Self employed persons,Rickshaw owners,Other micro-enterprises,Self help groups.

Star SME Liquid Plus

General purpose term loan for SME constituents Viz., for R & D activity, marketing and advertisement expenses Purchase of machineries / equipments, Preliminary expenses etc.

Target Group : Proprietorship / Partnership firms, Limited Companies falling within the new definition of SME, engaged in the business for the past 3 years with audited financial statement of accounts

Composite Loan Scheme

Equity type soft loan assistance from SIDBI for SSI units

Composite Loan Scheme (CLS)

Assistance for equipment and/or working capital as also for work sheds


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