Main Schemes Promoted by Bank of Maharashtra

Rate of Interest Repaymen Service Incentives/ Additional Schemes Details Eligibility Loan Amount Security Interest Subsidy ts Charges Benefit details Maharashtra Term Loan All MSMEs Upto INR 0.5 Minimum 25% None No collateral 10 year 0.25% Incentive MSME Project Facility for crore- margin security for with a of the by way of Loan Scheme establishment collateral free loans upto INR moritorium loan reduction of various kinds 0.5 crore period of amount in rate of of projects (CGTMSE maximum interest if cover) 2 years collateral security is provided

PM SVANidhi (PM For working All street Working capital RLLR + 1.45% 7% Hypothication 12 equal None N/a Validity: Until Street Vendor's capital loan up vendors loan upto INR + BSS(0.5) i.e of good/ monthly March 2022 AtmaNirbhar to INR 10,000 engaged in 10,000 at present assets instalments Beneficiaries Nidhi)* Incentivization vending in effective rate financed would be of regular urban areas as is 7.05 + 1.45 under the incentivised repayment on or before + 0.5= 9% scheme with a Rewards for Mar 24, 2020 RLLR- variable monthy digital cashback of transactions INR 50 to INR 100

All beneficieries will get a Rupay card linked with the saving Rate of Interest Repaymen Service Incentives/ Additional Schemes Details Eligibility Loan Amount Security Interest Subsidy ts Charges Benefit details account mentioned in the LAF

Pradhan Mantri Term Loan Non – · a. Shishu : MSE Loans None None Subject to INR The Mudra Yojana* Facility upto Corporate covering loans upto INR 10 annual 10,000- scheme INR 10 lakh to Small Business upto 50,000/- lakh- MCLR review- CC INR helps MFIs nonfarm units Segment · b. Kishor : +BSS Trm Loan- 15,000 reduce engaged in (NCSBS) covering loans Upto 50,000- 7 yrs their cost Manufacturing, comprising of above 50,000/- MCLR + BSS + to bring trading and millions of and upto 5 lakh 0.75% down the service proprietorship · c. Tarun : >INR 50,000 overall cost activities / partnership covering loans and INR 200000 units, service and < INR sector units, 1000000- shopkeepers, MCLR + BSS + fruits / 2% vegetable vendors, truck operators, food-service units, repair shops, machine operators, Rate of Interest Repaymen Service Incentives/ Additional Schemes Details Eligibility Loan Amount Security Interest Subsidy ts Charges Benefit details small industries, artisans, food processors and others, in rural and urban area Stand Up India* Composite loan SC/ST and/or 10 lakh- 100 For loan of None Besides 7 years 0.25%- N/A The scheme between INR women lakh INR 10 lakh: primary with CC envisages 10 lakh and entrepreneurs @ MCLR security, loan moritorium 1%- 25% margin upto INR 100 above 18 yrs For loan> INR maybe period of Term money which lakh For green field 10 lakh <100 secured by 18 months Loan can be projects with lakh: As per collateral provided in 51% risk based security convergence shareholding pricing for guarantee of with eligible held by SC/ST micro and Credit Central and and/or women small Guarantee State entrepreneur enterprises Fund Scheme schemes for Stand-Up India loans (CGFSIL) Maha MSME Term loan for All MSMEs Upto INR 20 Minimum 25% Collateral 7 years Incentive Machinery/ purchase of crore margin security for including by way of Equipment machinery and exposure upto moritorium reduction Scheme equipments INR 1 crore is period in rate of not interest if mandatory collateral security is provided Maha MSME Cash Cash Credit All MSMEs Upto INR 2 Minimum 25% Primary Incentive Credit Scheme facility for crore margin security of by way of current assets reduction Rate of Interest Repaymen Service Incentives/ Additional Schemes Details Eligibility Loan Amount Security Interest Subsidy ts Charges Benefit details working capital (inventory and in rate of purpose receivables interest if upto 180 collateral days) security is provided Maha MSE Term loan All MSMEs Upto INR 2 Minimum 25% No collateral 7 years Collateral Free facility for the crore margin security for including Term Loan purpose of loans moritorium Scheme* business (CGTMSE period cover) Security: Assets of the borrower as per definition of CGTMSE Maha MSE Term loan All MSMEs Upto INR 2 Minimum 25% Security: Collateral Free facility for the crore margin Assets of the Cash Credit purpose of borrower as Scheme* working capital per definition of CGTMSE Mahabank Loan Composite loan Doctor, Upto 5 crore 15-25% No collateral 7 years For doctors: Scheme for scheme of upto Engineer, CA or margin security for including To purchase/ Doctors, CA, INR 5 crore for architect loans upto INR moritorium construction Engineer and doctors and 2 crore period of building, Architect INR 2 crore for (CGTMSE maximum CA, Engineer cover) repayment and architect period of upto 12 years can be considered Rate of Interest Repaymen Service Incentives/ Additional Schemes Details Eligibility Loan Amount Security Interest Subsidy ts Charges Benefit details Credit Guarantee Distressed MSME units Upto INR 75 Margin The sub-debt 10 years Guarantee Scheme for Asset Fund- such as : lakh money- 10% facility will with a fee of 1.5% Subordinate Subordinate Individuals, have 2nd moritorium per annum of Debt* Debt for proprietors, charge of the period of 7 guaranteed Stressed LLP, assets years amount on MSMEs: to partnership, financed outstanding provide private ltd or under existing basis personal loan registered facilities for to promoters company entire tenor of of stressed the sub-debt MSMEs for facility infusion of equity in the business eligible for restructuring Maharashtra Purchase of Existing/ Terms Loan: Margin: Current Asset CC- on Processi Supervision/ Scheme for units land & Prospective Min 0.1 crore, MSE- Min 20% demand ng Fee: Inspection engaged in construction/ owners of Max: INR 10 Medium Term Loan- For Charges: Hospitality premises for Hotels, crore Enterprises: 7 yrs(can working Upto INR 1 running hotel/ Restaurants, Working Min 25% consider capital: crore: restaurant. The Fast Food Capital: Min: longer (New): 0.0625% per finane for Centers, Pizza 0.1 crore, Max: Interest: For tenure) 0.25% quarter. Max purchase of Centers INR 2 crore advances upto p.a + INR 10,000 Land in project (Franchise), INR 5 crore: 1 GST p.a + cost of cost shall not Cateres, year (Review visit (actual) exceed 25% of Motels MCLR (8.6%) + and the total (Dhaba), 1.75% + Enhance Above INR 1 project cost Bakeries, Mess, BSS(0.25%) ment) : cror: INR Tour i.e, 10.6% p.a 0.3% p.a 15,000 p.a + Operators, + GST cost of visit Rate of Interest Repaymen Service Incentives/ Additional Schemes Details Eligibility Loan Amount Security Interest Subsidy ts Charges Benefit details Water Sports, For advances (actual) Amusement > 5 crore <10 For Parks, Floating crore term Documentati Restaurants, MCLR (8.6%) + loan: on charges: House Boats 2% + 0.8% of As per BSS(0.25%) i.e sanction service 10.85% ed charges of amount the bank + GST which are: Term 0.25% max Loan Rs. 50,000/ (review) GST : Above INR 0.25 cr: 0.1% (max INR 1 lakh)+ GST Mahabank Cash Credit, Civil Min. INR 10 Margin: Current Asset CC- on Processi Supervision/ Schemes for FLC/ ILC & BG Contractors, lakh MSE- Min 20% demand ng Fee: Inspection Contractors facility for Mining Max: INR 10 upfront Term Loan- For Charges: meeting Contractors, crore Medium 7 yrs working Upto INR 1 working capital Engineering Enterprises: capital: crore: requirement Contractors, Min 25% (New): 0.0625% per Transport upfront 0.25% quarter. Max Term Loan for Contractors, p.a + INR 10,000 purchase of Electrical Interest: For GST p.a + cost of equipment/ Contractors, advances upto (Review visit (actual) Road INR 5 crore: 1 and Rate of Interest Repaymen Service Incentives/ Additional Schemes Details Eligibility Loan Amount Security Interest Subsidy ts Charges Benefit details machinery/ Contractors, year Enhance Above INR 1 vehicle Irrigation MCLR (8.6%) + ment) : crore: INR Contractors, 1% + 0.3% p.a 15,000 p.a + Pipelines BSS(0.25%) + GST cost of visit Contractors etc i.e, 9.85% p.a (actual) established as For Proprietorship/ For advances term Documentati Partnership/ > 5 crore <10 loan: on charges: Limited crore 0.75% As per Companies MCLR (8.6%) + of service 1.5% + sanction charges of BSS(0.25%) i.e ed the bank 10.35% amount which are: + GST 0.25% max Term Rs. 50,000/ Loan GST (review) : Above INR 0.25 cr: 0.1% (max INR 1 lakh)+ GST Rate of Interest Repaymen Service Incentives/ Additional Schemes Details Eligibility Loan Amount Security Interest Subsidy ts Charges Benefit details Ad HOC Line of To meet the All standard Max 10% of Rate of Existing Tenure of None Moritorium Credit COVID-19 temporary accounts fund based interest security WC limit/ period can be Revised liquidity including SMA0 working capital sanctioned to WCDL. STL allowed up mismatch and SMA 1 limit, maximum regular can be to 12 months arising out of account is on cap is up to INR working extended from the COVID-19 date of 50 crore caputal tp 24 date of first involving sanction The above facilities will months disbursemen payment of irrespective of facility will be be applicable depending t statutory dues, internal rating in addition to on the fund on cash salary/ wage/ (Accounts in the Assessed based credit flows of Validiy: Until electricity bill, SMA 2 are not Bank Finance facility under the 30/9/2020 rent eligible) 10% of AD-HOC (for borrower until further sanctioned MSME orders ADHOC Line of borrower, Credit COVID- ROU will be 19 may be linked to sanctioned on RLLR) clean basis Liberalised To provide Existing MSME Working Margin: 10% Current Asset CC- on 1% Working Capital additional/ borrower: capital: Max on stocks and demand Assessment renewal standard upto INR 5 15% on Term Loan- finance on accounts which crore (max of receivables. 7 yrs liberalised are not SMA-3 33% of the Cover period assessment as on date of revised on receivables model/ terms sanction projected may be for build up of turnover) increased to current assets up to max 90 days over the existing sanctioned cover period Rate of Interest Repaymen Service Incentives/ Additional Schemes Details Eligibility Loan Amount Security Interest Subsidy ts Charges Benefit details

Interest: as per extant guidelines

Mahabank Vehicle For term loan, All MSMEs Upto INR 2 Margin: Security: Upto 7 1% Loan Scheme for purchase of crore Minimum 15% Hypothecatio years Small Road commercial n of vehicle including Transport vehicles purchased moritorium Operator* No collareral period security for loans up to INR 1 crore (CGTMSE cover) Maha Doc + Loan For acquiring Qualified Rural area and Margin: Assets created Max 1% of Scheme premises on registered semi-urban- Generally 25% by the loan to repayment loan ownership medical INR 50 lakh which can be charged to period for amount basis required practitioners Urban & vary according the bank and term loan for running with min Metros: INR to other in 12 years clinics/ nursing qualification 500 lakh requirement collateral homes, BAHMS/ and security polyclinics, BAMS/ BPT/ assessment pathological MBBA/ BDS labs subject to MCLR- 7.3% compliance for one year with license/ registration requirements under laws of Rate of Interest Repaymen Service Incentives/ Additional Schemes Details Eligibility Loan Amount Security Interest Subsidy ts Charges Benefit details state/ central govt

Standby Line of Short term Existing MSMEs Calculation Margin (for Hypothecatio CC- on 1% Credit loan: to meet having limits based on 25% existing units n of stocks demand Term temporary upto INR 25 of existing only): and Term Loan- Loan liquidity crore only with working capital Margin under receivables. 7 yrs 0.25%- mismatch internal rating limit of total SLC for MSME Extension of CC arising out of of 'BBB & exposure. will be the charge on the delayed above' and Max INR 1.25 market value Primary realisation of irrespective of crore based on and the Security/ receivables, external rating cash flow advance value Collateral receipts of GST statement of the security security Inputs tax certified by CA will be the credots in case of same (including for requirement exports) and above INR 10 Interest: 0.5% other business lakh above requirements sanctioned cash credit rate. Penal interest as applicable to cash credit account Rate of Interest Repaymen Service Incentives/ Additional Schemes Details Eligibility Loan Amount Security Interest Subsidy ts Charges Benefit details Loan Scheme for Financing the Term loan for No limit 8.30% Current Assets CC- on 1% Entrepreneurs industrial acquisition of + collateral demand Term sector for machinery and Term Loan- Loan setting up a fixed assets 7 yrs 0.25%- unit for WC by way of CC modernization, funded Cash diversification, Credit limit upgradation, Non fund expansion facilities in the form of Letter of Credit/ Letters of Guarantee Loan Scheme for To provide Exporters 20% of the For those N/A Current Assets Period: 3 For Gold Time frame Exporters better terms of under the SME assessed limit requests years - Card for disposal credit including sector will be made relating to automatica holders, of rates of available to Packing Credit llt renewed the rate applcations interest to all Gold Card in Foreign for further will be receives eligible holders for Currency 3 years 25% under exporters, meeting urgent (PCFC) from lower scheme: including those credit needs Gold Card than the Sanction of under SME Holders: rate charges fresh/ sector shall not recover enhanced exceed LIBOR ed from credit limit: + 300 basis other 25 days points exporter Renewal of s existing For Rupee credit limits: Packing Card: 15 days rate of Sanction of interest is the ad-hoc credit Rate of Interest Repaymen Service Incentives/ Additional Schemes Details Eligibility Loan Amount Security Interest Subsidy ts Charges Benefit details base rate of facilities: 7 the bank days

MSME Credit Plus Short term MSMEs with Fund based 7-9% 1% Current Assets 7 years 1% 25% loan: upto 180 credit rating of credit facilities: concessi Term concession in days (working AAA to BBB or upto INR 20 on on Loan applicable capital and collateral crore applicabl 0.25%- processing term loan) security with Non-fund e rate of CC fees collateral based limits: interest cover? 100% upto INR 10 crore Note: Marked in * are centrally sponsored schemes actively promoted by the bank