Dall Mill Plus - Business
Dall Mill Plus
Purpose
- Working Capital needs
- Acquisition of machinery/factory building for modernization/expansion etc
Features
- Target Group:
- MSME-Manufacturing units engaged in Dal Milling activities.(Trading units not eligible)
- Type of Facility:
- Term Loan, Working Capital limit (Fund based & Non-fund based facilities)
- Quantum of loan (Min/Max)
- Maximum: Rs.25 Crores
- Pricing :
- Competitive pricing linked to EBLR
- Margin (%)
- Term Loan: Min. 25%
- Working capital: Stocks: Min. 25%, Book debts: Min. 40% with cover period up to 90 days
- Primary Security : Hypothecation of Assets financed by the Bank.
- Collateral Security:
- i. With CGTMSE Cover : All loans upto Rs.2 Crores are eligible to be covered under CGTMSE, w.e.f. 01.01.2017. Loans above Rs.2 Crores can also be covered under CGTMSE for amount upto Rs.2 Crores under Hybrid Model (with partial collateral security). Annual CGTMSE Fee has to be borne by the borrower.
- ii. Without CGTMSE Cover: Equitable mortgage of property / tangible security belonging to borrower / guarantor valued not less than 75% of the loan amount.
- Repayment Period:
Term Loan: 8 years (including the moratorium period of maximum 12 months): Working Capital: Repayable on demand.
Eligibility Criteria
CRA rating to be worked out for regulatory purpose and should be better than hurdle rate SB-10.
- Profit making existing units with CUE rating of CUE-8 and better as per Project Vivek.
- Take-over of good units, subject to compliance of takeover norms.
- Newly proposed / Newly established Dal Mill units with CUE of CUE-7 and better (greenfield units)
- Track record of previous two years to be considered for new connections / enhancements, i.e. 2 years of continuous profit making.
- Udyam Registration Certificate (for MSME units).
Last Updated On : Monday, 18-07-2022

Interest Rates
2.70% p.a.
less than Rs.10 Cr. w.e.f 15.10.22
3.00% p.a.
Rs.10 Cr. and above w.e.f 15.10.22
2.70% p.a.
Balance below Rs. 10 crs
3.00% p.a.
Balance Rs. 10 crores and above
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Criteria
- Features
- Eligibility
- Terms and Conditions

Interest Rates
2.70% p.a.
less than Rs.10 Cr. w.e.f 15.10.22
3.00% p.a.
Rs.10 Cr. and above w.e.f 15.10.22
2.70% p.a.
Balance below Rs. 10 crs
3.00% p.a.
Balance Rs. 10 crores and above