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Cold Storage/Warehouse to identified clusters

Cold Storage/Warehouse to identified clusters (For identified cluster only)

SN

Parameter

Particulars

1

Nature of Facility
  1. Working Capital (Fund based, both overdraft and cash credit)
  2. Term Loan
  3. Non-fund based

2

Quantum of Finance

Min. ₹2 Crore, Max. - ₹ 50 Crore

3

Financial Ratio

As applicable to MSME units (For the purpose of Financial Analysis and Appraisal only) i.e.

Parameter

Parameter

Minimum Ratio

Current Ratio

 

1.10

Avg. DSCR

1.25

ICR

1.50

DER

3:1

FACR

1.33

 

All the above ratios are in line with bank’s Master Credit Policy 2025-26 as applicable for MSME units.

4

Rate of Interest

Up to CBI- 5

7.45%  floating {Linked to MCLR(3M)}

5

Repayment

CC/OD – Max. 12 Month (Annual Review)

TL – Door to Door 10 years (excluding maximum 24 months                                                 of moratorium period).