1. Adv 159/2012-13 dated 30 03 2013 & Adv 129/2014-15 17.11.2014

2. SLP – MSME Sector

4. Ind SME Secure All MSME – Manufacturing / Service Existing & Fresh Units Not a restructured / rescheduled account Group Accounts not NPA with other Bank / FI

5. Quantum of Loan Exposure Minimum – Rs 10 lakhs Maximum – Rs 10 Crore Per Borrower Rs 25 Crore Per Group Working Capital Sec OD - Rs 25 Lakhs OCC - Above Rs 25 lakhs

6. Security Sec OD Primary Security – Land Building – 30% Margin Collateral - Hypothecation of Stocks Option for sec OD / OCC for limit <= Rs 25 lakh Unit Inspection – Monthly Stock statement – Annual DP Based on Security Value

7. OCC Limit above Rs 25.00 lakhs Security Primary – Hypothecation of Stocks / BD Collateral – Factory Land – Free Hold / Lease

8. Other modification Residual Lease Period shall not be < Rpt Period + 5 Years Property offered as EM should be in possession of mortgagor Sanctioning authority can decide on quantum of NFB limit Need based limit(LC/DP/DA) may be considered on merit

9. Doctor Plus To Whom Individual / Regd Firm / Ltd Co Key promoter / Spouse should be qualified medical practitioner Purpose Clinic / Clinic cum residence / Lab / Medical Store / Vehicle / Ambulance / Expansion / Renovation of clinic / Modernization of existing premises

10. Doctor Plus Limit Minimum 1 lakh Maximum – as per discretionary powers Repayment 120 months with max 12 months holiday period Explore possibilities of Insurance Policy of key man duly assigned to the bank

11. Security

12. Sanctioning Powers

14. IB Contractor Contractors of Central / State Govt / reputed PSU / reputed corporate Sub – Contractors of Central / State Govt / PSU selectively – sanction by ZM In Business for 3 years Net Profit for last 2 years / IT return analysed Take over is permitted Individual / Proprietary / Regd Partnership / P Ltd

15. Facility Fund Based – Secured OD /BP Term Loan NFB – LC / Guarantee Limit Min Rs 10 lakhs Max Rs 500.00 lakhs per borrower Max Rs 1000.00 lakhs per Group

16. Margin Sec OD – EM of Property – 50% TL – Equipment – 40% Bill Finance - 15% NFB - 10%

17. Security MTL – Hypothecation of equipments SOD – EM of Property – 200% No Agricultural / Rural Property accepted 3 rd Party with ZO approval 2 Valuation report from Panel Engineer Legal Audit irrespective of Limit

18. Other T & C Repayment – 84 Months Commission on BG – 0.60% per quarter or part thereof Sanction Powers – 120% of power booklet Application form – MSME Form WC Assessment – TO method

19. Other T & C MTL - Payment direct to equipment supplier TO monitoring monthly Books of accounts to be scrutinized once in 3 months SOD brought to credit once in a year BP after getting letter from debtor EM property to be inspected halfyearly Insurance with bank clause No QIA/CMA/Stock Audit Pre-payment charges apply Option to avail under Ind SME Secure

20. My Own Shop Individuals / Professional / SE / Firms 3 years in the activity / 2 years By ZM Age <= 50 years / upto 60 years by ZM Purpose New Commercial Space / Shop / Second hand purchase – residual life = Repayment + 2 years / Take Over similar purpose / Own use / Letting out on rent – rental income to be routed to loan a/c

21. Quantum 36 times gross / 60 times net Income of co-borrower included Firm – 5 times of cash profit of preceding year Or 4 times of average cash profit of last 3 year Maximum Rs 50 lakhs / ZM 75 lakhs SE – Gross income net of tax before depreciation may be considered

22. Other T & C Margin – 25% - ready built – full margin in advance Construction – margin on pro rata basis Repayment – max 10 years Holiday Period – Max 12 months Interest to be serviced during holiday period 3 rd party Gtee need not be insisted if margin is => 40% Upto 10 lakhs under CGTMSE

23. Vidhya Mandir Reputed Edn Institute / ZM – Purpose Construction of pucca building with RCC roofing Upgradation – asbestos sheet / fibre glass / GI sheets / red mud plastic sheets Security Equipment / Fire Alarms / Fire Extinguisher

24. Vidhya Mandir Quantum – Max 3 Crore – Term Loan Margin Upto Rs 2 lakhs - Nil > 2 lakhs - Equipment – 10% Building - 25% Repayment - 10 years Instalments / No EMI

25. Security Upto Rs 2.00 lakhs – Personal Gtee of Promoters > Rs 2.00 lakhs - EM of school building / Other collateral Powers - Scale I – 5 Scale II – 10 Scale III – 25 Scale IV – 75 Administrative clearance - CRE

27. Star Rice Mill Fresh / Existing Rice Mills Consistent net Profit – 2 years Take Over Acquisition of new machinery / factory building for modernization Working capital needs WC – Upto 5 Crore TO / > 5 Cr – MPBF Margin on Term Loan – 25% Margin on WC - stocks– Upto 1 Cr 20% / 25% Margin on WC – BD – 25% (90 days) Margin on NFB – As per norms TL – Repayment – Max 7 years Sanctioning Powers – 120% regular powers Security – 100% of loan amt / 50% by ZM

29. IB BAL Commercial Vehicle:- Target Group:- Existing / New transport operators for purchase of new commercial vehicles manufactured by M/s Bajaj Auto Ltd(BAL) for transportation of passengers or goods Purpose:- to finance transport operators in MSME sector. Eligible amt:- max. one commercial vehicle (Auto rickshaw /Comm.three wheeler) per borrower. Two commercial vehicles per group or Rs.10 lac whichever is lower Repayment: Max. 60 EMIs(holiday max. 3 months) Margin: 15% on road price.

30. IND Auto:- Existing / new transport operarors for purchase of new comm. Vehicles mfg. by M/s TVS motor comp. Ltd.Borrower below 45 years of age. Purpose:- To finance trasport operators in MSME sector for purchase of TVS Auto rickshaw /Public carrier vehicles. Eligible amt:- Max. one comm. Veicle(up to 2 lac) per borrower. Two comm. Vehicles per group or Rs 4 lac which is lower. Repayment:- Max. 60 EMIs incl. 3 months holiday period. Margin: 15%

32. IB MICRO:- Coverage & Eligiblity:-All micro mfg. & service units. RAM rating waived. No take over allowed. CGTSME cover not available for RT/ Edu. Inst./SHGs Constitution:- Individual, Proprietary, Partnership, Pvt.Ltd. Exposure ceiling:- Rs 20 lakhs, Composite loan. Quantum of loan:- 20% of estimated annual turn over as W.capital & Term loan with margin 25%. Security:-Primary: Assets created out of loan, CGTMSE cover mandatory. No collateral.

33. Repayment: 60 EMI after a holiday period of 6 months. Total repayment period:66 months Sanctioning auth:Scale 1:Rs 7.5 lakhs, II-Rs 10lakhs,III & above-Rs 20 lakhs Int: BR+0.50 TP now 11.75% for women 0.50% concession. Processing charge: Up front fee at 0.57% incl. of serv. Tax. No prepayment charge.