Credit facilities (Fund based and/ or Non fund based) extended to a single eligible borrower in the Micro and Small Enterprises sector for credit facility upto Rs.100 lakh (both manufacturing and service sectors) excluding retail trade without any collateral security and /or Third party guarantee.

Term Loans and  working capital limits (FB & NFB)..

Borrowal accounts of Rs.15 lakhs

NIL

Agreed Tenure for Term Credit., 5 years or a block of 5 years where working capital limits alone are considered.

75% of TL amount outstanding. 75% of Fund Based & Non Fund based Working Capital Limit or outstanding whichever is less as on the date of the account becoming Non Performing.

1.5% of sanctioned credit facilities upfront, shared by CGTSI and ACGA on 50-50 basis

0.75% annually on the limits as on 31st March of every year to be remitted within 60 days of close of the FY.

In 1:1 ratio by CGTSI and ACGA

ACGA can extend a guarantee cover up to a maximum of 5 times its corpus fund.

Solely at the discretion of Bank