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IDBI Bank offers MUDRA Loan facility for financing the credit requirements of all non-farm income generating activities, under Pradhan Mantri Mudra Yojna (PMMY).

The details of IDBI Bank MUDRA Loan are as below:

Sr. No Field Content
1 Eligible Segments  Individuals/MSMEs engaged in non-farm entrepreneurial activities (manufacturing, trading and service enterprises including professionals rendering services) across the country (including rural, semi-urban, urban and metro centres).
2 Facility Term loan & Overdraft/ Cash Credit.
3 Purpose Cash Credit / Overdraft - To meet Working Capital requirements.
Term Loan - To meet CAPEX including purchase of equipment/furniture or any such business requirements.
4 Loan Amount Minimum – None.        
Maximum – Rs. 10 lakh.
5 Tenor OD & CC Limit – 12 months, repayable on demand.
Term Loan- Up to 5 years.
6 Pricing  Linked to Bank’s Base Rate and Rating.
7 Security  No Collateral Security requirement.
8 Guarantee No third party guarantee requirement.
9 Margin   Nil for Loan upto Rs. 50,000.
25% for others.
10 Processing Charges  Nil for loan upto Rs. 5 lakh.
Up to 0.50% for others.
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