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      Loan policy Document for MSE

      REVISED BANK'S POLICY IN RESPECT OF LENDING TO MICRO AND SMALL ENTERPRISES SECTOR (MSE Policy)

      PREAMBLE

      Definitions

      OBJECTIVES: The MSE Loan Policy is framed with the following objectives

      SCOPE OF POLICY

      TARGETS FOR MSE SECTOR

      COMMON GUIDELINES/INSTRUCTIONS FOR LENDING TO MSE SECTOR

      Penal Interest

      Processing Charges for Micro & Small Enterprises

      Methodology for calculation of Bank Finance

      Financing under cluster based approach

      Discretionary authority

      Repayment Schedule

      Mode of Disbursement of Loan

      Monitoring

      Review of the Scheme

      Some of our SME Products are follows

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