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SME Credit loans at low interest to fuel your sme business Learn more about our SME Loan under TMB Business Loan Products. Our exclusive credit scheme for Small and Medium Enterprise entails providing lower rate of interest for growing business units and offering them access to power banking services at low rate of interest and quick processing and servicing. About our SME Lending Product: Current Buzzword in Banking Industry is SME Financing after Government of Indias initiatives to step up credit flow to Small and Medium Enterprises through bringing out a new legislation named Micro, Small and Medium Enterprise Development (MSMED) Act 2006. Unlike large industries, which have access to various domestic and international sources of finance, SMEs are dependent largely on Bank Credit. The banks are trying to outwit each other through aggressive promotional strategies to create a niche segment in SME financing. Catching up with Market trend, we introduced an exclusive loan scheme called TMB SME Credit during the month of July 2006. The scheme is an instant hit among all our branches and well received by our SME borrowers on account of its hassle free features. About our Modified TMB SME Credit Scheme: Based on the suggestions and representation received from the Branches and the Regions, we have incorporated certain borrower friendly modifications in the scheme. The Modified scheme is furnished in the Annexure for your reference. Salient features of Key Modifications: For purchase of new Machineries / Equipments, Minimum Collateral criteria are brought down from 100% to 50%. External Rating Agencies namely CRISIL, ICRA, DUN & BRAD STREET, ONICARA, CARO & FITCH are included in our list of permitted External Rating Agencies for providing the eligible additional concession of 0.50% in interest rates. Rate of interest for new unit / new project in the case of limit of Rs. 20 Lakhs & above is relaxed and fixed at BR + 3.75% (14.50% p.a.) for 6 months. Afterwards, the rate of Interest should be charged as per Credit Rating. Obtention of collateral security for a limit up to Rs. 25 Lakhs is waived provided the said limit is covered under Credit Guarantee Fund Scheme (CGFSI) for SSI. The modified TMB SME Credit Scheme comes into force from Feb 02, 2007. While according permission for the scheme modification, our Board has stressed that aggressive efforts should be made to improve the lending to SME Sector. Purpose

To provide Bank Credit to SME at concessional Rate of Interest towards working capital and term loan for acquiring any fixed assets for business development purpose. Coverage All Small Enterprises & Medium Enterprises as per the extant definition of Govt. of India (As per Micro, Small & Medium Enterprises Development (MSMED) Act, 2006). Classification of Enterprises is broadly based as Manufacturing Enterprises and Service Enterprise. Manufacturing Enterprises means in terms of investment in Plant and machinery (excluding land & building which are further classified into Small and Medium Enterprise.Definition: a) Small Enterprises means that of a Small Scale Industrial unit in which investment in plant & machinery (Original Cost) does not exceedRs. 1 Crore except in respect of certain specified items under Hosiery hand tools, drugs and pharmaceuticals and stationery items & sports goods where this investment limit has been enhanced to Rs. 5 Crores. b) Medium Enterprises means that of units with investment in Plant & Machinery in excess of SSI Limit and up to Rs. 10 Crores. Services Enterprises means in terms of investment in Plant and machinery (excluding land & building which are further classified into SSSBE, SE and ME. Definition: (a) "Small Scale Service & Business Enterprises (SSBE) (or) Micro Enterprises" means that Industry related service and business enterprises with investment up to Rs. 10 Lakhs in fixed assets, excluding land and building will be given benefits of Small Scale Sector (For computation of value of Fixed Assets, the original price paid by the original owner will be considered irrespective of the price paid by subsequent owners). (b) Small Enterprises - investment above Rs. 10 Lakhs and up to Rs. 2 Crores. (c) Medium Enterprises - investment above Rs. 2 Crores and up to Rs. 5 Crores. **Note: A comprehensive legislation which would enable the paradigm shift from Small Scale Industry to Small & Medium Enterprises is under consideration of Parliament. Pending enactment of the above legislation, the current SSI / Tiny industries may continue. Eligibility All SME units run by Individuals, Proprietary concern, Partnership Firm, Limited Companies. Form of Advance All Type of Fund Based & Non-Fund Based Limits. Loan Quantum Maximum amount: Single Borrower: Rs. 2 Crores, Group Borrowers: Rs. 10 Crores.Lending Norms under Assessment of Working Capital Limits: Quantum of working capital limits will be fixed on the basis of minimum of 20% of the units projected annual turnover for new as well as existing units. Condition:

The borrowing unit should bring in 5% of their projected annual turnover as margin money. Increase in projected turnover should normally not exceed 25% of the actual turnover in the preceding year. A prudent decision in this regard is to be taken based on capacity expansion, increased capacity utilization, pricing of inventory etc. Term Loans: Repayment of term loans will be as usual based on profitability projection for entire payback period and the average DSCR of the project. Margin As per Bank Norms Security Working Capital Limits: Stock & Receivables. Term Loan: Assets acquired & created out of Loan amount. Collateral Security Conditions: Must be covered by tangible and marketable collateral security to cover at least 100% of the limit sanctioned. Easily marketable property must be obtained. For LIC Policy, Surrender Value should be taken as security. Marketable shares of prime companies alone can be accepted as security. The average Market Price of the shares for the past 52 weeks or 50% of the Market value of the shares, whichever is lower should be taken for collateral coverage. Note: Machineries / Equipments, Vehicles etc. taken as security should not be reckoned for computation of collateral security coverage. Exception: Collateral security norms are not applicable for credit limits sanctioned to SSI units / SSSBEs up to Rs. 25 Lakhs subject to availability of Guarantee cover under Credit Guarantee Fund Scheme (CGFSI) for SSI. Collateral security norms are not applicable for Negotiation of Inland / Foreign Bills drawn under ILC/FLC. For purchase of new machineries/equipments, minimum collateral is 50%. In case of existing Borrower, any other relaxation in collateral security norms may be considered on case to case basis subject to the following criteria, but in any case, collateral coverage should not go below 75% of the total exposure (Fund Based and Non Fund Based Limits) with exclusion of the above Categories No.1 to 3 as stated under Exception. For Existing Borrowers: Rating Model is Excellent, Very Good & Good. Ratios: Current Ratio 1.33:1 (Minimum), Leverage Ratio 3:1 (Maximum), ADSCR 1.5:1 (Minimum for Term Loans). Rate of Interest Up to Rs. 2 Lakhs: BR + 2.75% (13.50% p.a.) onwards. Above Rs. 2 Lakhs but below Rs. 20 Lakhs: BR + 3.75% (14.50% p.a.) For Existing Units as per Credit Rating as below. From Rs. 20 Lakhs and Upto Rs. 1 Crore: Prime: BR + 3.25% (14.00% p.a.) AAA: BR + 3.75% (14.50% p.a.)

AA or A: BR + 4.25% (15.00% p.a.) BBB or BB: BR + 5.25% (16.00% p.a.) Above Rs. 1 Crore: Prime: BR + 2.50% (13.25% p.a.) AAA: BR + 3.00% (13.75% p.a.) AA or A: BR + 3.50% (14.25% p.a.) BBB or BB: BR + 4.75% (15.50% p.a.) **Additional concession of 0.50% will be given to those SME units which are also rated by SMERA \ CRISIL \ ICRA \ DUN & BRAD STREET \ ONICRA \ CARO & FITCH for advances above Rs. 1 Crore for Prime / AAAA / AA or A Grades Only. External Rating of Highest / High / Average Average / Average is equal to Prime / AAAA / AA/A / BBB/BB. For newly Established Units / New Project For first 6 months, rate of interest is to be charged at BR + 3.75% (14.50% p.a.) and after 6 months, rate of interest should be charged as per rating. If rating is not done after 6 months for any reasons - Applicable Normal Lending rate should be charged as per point no. 36 Current Base Rate for Lending (BR) is 10.75% p.a. Rate of Interest for Export Credit As per our IBD Guidelines and applicable Rating Norms. Penal Interest Any irregularity / default in repayment period will attract penal interest of 2% per annum over and above the applicable rate of interest for the advance above Rs. 25,000. The existing instruction of no penal interest for loans under priority sector up to Rs. 25,000 remain unchanged. Period Working Capital: 1 Year. Term Loans: Maximum 7 Years exclusing Holiday Period. Financial Ratios Current Ratio 1.33:1 (Minimum), Leverage Ratio 3:1 (Maximum), ADSCR 1.5:1 (Minimum for Term Loans). Documentation Usual Documentation Procedure is to be followed. Post Credit Monitoring Usual procedure of submission QIS / MSOD / Stock Statements as per extant guidelines is to be followed. Processing Charges

Term Loan: 1.00% of Limit sanctioned without any maximum cap.

Working Capital [Fund and Non-Fund Based]: 0.50% of the loan amount without maximum cap.

All the above Terms and Conditions are subject to change and sanctioning of the loans is at the sole discretion of the Bank. Service Tax on All Service Charges extra wherever applicable.