Micro, Small and Medium Enterprises
Manufacturing Sector
Enterprises engaged in the manufacture or production, processing or preservation of goods as specified below:
- A Micro Enterprise [Manufacturing] is an enterprise where original investment in plant & machinery does not exceed `25.00 lacs.
- A Small Enterprise [Manufacturing] is an enterprise where the original investment in plant and machinery is more than `25.00 lacs but does not exceed `5.00 crores; and.
- A Medium Enterprise [Manufacturing] is an enterprise where the original investment in plant and machinery is more than `5.00 crores but does not exceed `10.00 crores
Services Sector
Enterprises engaged in providing or rendering of services.
- A Micro Enterprise [Services] is an enterprise where the original investment in equipment does not exceed `10.00 lacs.
- A Small Enterprise [Services] is an enterprise where the original investment in equipment is more than `10.00 lacs but does not exceed `2.00 crores; and
- A Medium Enterprise [Services] is an enterprise where the original investment in equipment is more than `2.00 crores but does not exceed `5.00 crores
Simple and customer friendly loan applications with checklist for speedy sanctions. Acknowledgment is issued on receipt of loan application by the branches [Click here to download Application form for MSEs.]
Time norms:
Time norms for disposal of loan applications from the date of receipt of application complete in all respects:
| For loans upto `5.00 lacs | Within 2 weeks |
| For loans above `5.00 lacs and upto `25.00 lacs | Within 4 weeks |
| For loans above `25.00 lacs | Within 6 weeks |
Margin requirements
| Upto `25,000 | Nil |
| Above `25,000 | 15% – 25% as determined by Bank |
Competitive Interest Rates
CLICK HERE to view interest rates
Collateral Security:
- No Collateral Security for Micro & Small Enterprises for loans upto `10.00 lacs. All eligible loans shall be covered under Credit Guarantee Scheme of CGTMSE.
- Collateral security may be waived for Micro & Small Enterprises for loans over `10.00 lacs and upto `25.00 lacs based on good track record and financial position of the unit. All eligible loans shall be covered under Credit Guarantee Scheme of CGTMSE.
Working Capital Limit:
Minimum 20% of projected annual sales turnover upto limits of `500 lacs [i.e. 20% of projected turnover] and Projected balance sheet method for limits above `500 lacs for MSME units.
Adhoc Limit Facility:
10% of the limit or `10 lacs whichever is lower to meet the contingencies.
Renewal of Working Capital Account:
Once in 12 months.
Stock statements:
To be submitted at quarterly intervals.
- Joint financing / co-financing of SMEs with A.P.State Finance Corporation.
- Scheme for Technology upgradation / establishment / modernisation / expansion of Food Processing industries
- Scheme for financing Handloom Weaver groups
- Scheme for advances against Ware-house receipts of National Bulk Handling Corporation Ltd. [NBHCL] to processors / traders
Special Schemes for Women Enterpreneurs:
Stree Shakti Scheme: Interest rebate of 0.50% & Margin reduction by 5%.
- 12 specialised MSME branches to give focused attention to MSME units:
Cherlapalli [R.R.District], Balanagar [Hyderabad], Vijayawada, Warangal, Vizag, Rampur [Karimnagar], I.E.Medchal, Mancherial, Khammam, Miryalguda, Dubba [Nizamabad], Nellore. - Specialised MSME Divisions at potential branches across the country
Debt restructuring / Rehabilitation facility to all the eligible / potentially viable MSME – Units
Entrepreneurship Development Programmes (EDPs) »
Bank/sponsors EDPs of general/skill enhancement programmes.
MSME Care Centres established at all Zonal Offices and Head Office. Details of these care centres are available on banks website.
For further details contact your nearest Branch or
Call Helpline: 1800 – 4254055
Visit us at : www.sbhyd.com
e-mail : mysbh@sbhyd.co.in
SMS: Send ‘SME’ to 9000 222 444
