To met the credit requirements of Small Business, Retail traders, Professional and self employed persons,  Artisans & Village Industries, Micro and small enterprises.

Small Business & Retail Trade-20% of annual turnover Professional & Self employed: 50% of gross annual income as per IT Return Micro & Small (Mfg): 20% of the projected Annual sales turnover with a minimum margin of 5% of the turnover.

Maximum upto Rs.10.00 lakhs per borrower

Hypothecation of Stock in Trade, Receivables, Machinery, Office equipment etc., as specified for existing limits

The existing securities along with Co-obligation/Guarantee may be retained while converting the account to LUCC account.

3 Years subject to annual review