Baroda SME Loan Pack


Baroda SME Loan Pack provides single line of credit for meeting SME borrowers' working capital as well as long term requirements within the overall limit approved by the bank.

Its purpose is to provide hassle free credit for working capital (fund based and non-fund based) as also long term requirements, taking into account nature of business, cyclical trends, cash flow projections, peak time requirements and any eventuality of unforeseen spurt in the business. All Enterprises, i.e. Micro, Small & Medium Enterprises, as defined under MSMED Act, 2006, and other entities with annual sales turnover up to Rs. 150/- crores exclusively banking with our bank/new borrowers desirous of having sole banking arrangement with our bank. The composite limit of the loan is 4.5 times of borrowers' tangible net worth as per last audited Balance Sheet, or, Rs. 5.00 Crores, whichever is lower. The SME has to cater for 25% margin money while the rate of interest is linked to the credit rating of the borrower.

Bank of Baroda SME Short Term Loans

Purpose of short term loans is to meet temporary shortfall / mismatch in liquidity, for meeting genuine business requirements only.

The loan offers upto 25% of the existing Fund based Working capital limits (depending on the Credit Rating), subject to a minimum of Rs. 10 Lakhs and maximum of Rs. 250 Lakhs. It's to be repaid in 12 months including moratorium period.


  • First charge / Equitable mortgage of fixed assets of the company / firm or extension of existing first charge / equitable mortgage of fixed assets, ensuring that there is a minimum asset cover of 1.25.
  • Extension of Charge on current assets for the additional facility ensuring that adequate drawing power is available.
  • Extension of all existing guarantees of Directors / Third party guarantees to cover the additional facility.

Bank of Baroda SME Gold Card

 Baroda SME Gold Card envisages provision of additional limit of 10% of the assessed eligible bank finance for Working Capital to Micro, Small & Medium Enterprises as per Regulatory definition and all other enterprises with annual  sales turnover up to Rs. 150/- crores, on request along with regular application for Working Capital limits to meet emergent requirements.

Bank of baroda provides hassle free on the spot assistance to take care of borrowers emergent requirements and tie up temporary mismatch in liquidity arising out of delayed payment by buyers, tax payment, execution of bulk orders, etc. The card is made available for SMEs with accounts in Standard Category for last 2 years, with credit rating of BOB-5 and above and enjoying working capital limits of Rs. 25/- Lakhs and above. The card allows an additional limit of 10% of the assessed eligible bank finance for working capital.

PNB SME Sahayog Scheme


This scheme provides financial assistance to meet the unforeseen expenditure of SME enterprises having a good track record. Collateral security has to be obtained as per the bank's extant guidelines.

Its purpose for contingencies like additional purchase of raw material including packing material/ handling charges for the execution of bulk orders, taking part in national / international trade exhibition, payment of consultancy charges, machinery repair, labour payments, etc. The loan is available for Existing borrowers whose accounts have been classified as standard assets for the last three consecutive financial years and are enjoying credit limits above Rs. 20 lakh. The borrowers are free to utilize the facility upto 12 times in a year. Each amount of withdrawal is repayable within maximum period of two months and there should be a gap of 15 days between the date of complete repayment of outstanding and the next withdrawal. Collateral security to be obtained as per bank's extant guidelines.  The charge on available security by way of primary/ collateral to the existing sanctioned limits will be extended to cover the clean cash credit limit.


Canara Bank Scheme for Energy Savings for SMEs


Canara Bank has a number of finance schemes for the benefit of the small and medium-sized units (SMEs) in the country, across different industries. The bank offers finance to SMEs to meet their capital expenditure, for their working capital requirements, as well as for other purposes.

Its purpose for acquiring/adopting energy conservation/savings equipments/measures by SMEs. Cost of energy for the unit should constitute not less than 20% of the total cost of production. The scheme offers a maximum Rs 100 lakhs in the form of Term loan.

The schemes guarantee cover available under CGMSE of CGTMSE. Margin money should be 10% of the project cost.

Canara Bank Reimbursement of Investment made in Fixed Assets by SMEs

Canara Bank offers a SME scheme which has been tailor made for SMEs to get reimbursement of investment made in fixed assets by SMEs.

Its purpose to reimburse the investment made on fixed assets, excluding land and building. Capital expenses incurred towards creation/acquisition of fixed assets (other than land and building) during the immediately preceding 6 months may be reimbursed. The loan is available to all existing clients with good track record for at least a period of preceding three years. The facility will be permitted as TERM LOAN.  The loan offers a maximum amount upto Rs. 50 lakhs for new machinery and maximum of Rs 15 lakhs for second hand machinery which is not more than 2 years old from the original date of purchase. For arriving at the quantum of finance, written down value as declared in the financial statements (audited or unaudited as the case may be) or market price, whichever is less is to be reckoned. The margin money should be 25% of the investment made in respect of purchase of new machinery. 50% of the investment made in respect of purchase of second hand machinery.


IDBI Bank SME Loan

IDBI Bank not only offers finance to MSMEs but also takes care of their all banking needs under one roof with full range of banking products and services. The Bank is in constant endeavor to introduce new products with a view to offer wide array of solutions to the MSME Entrepreneurs.

All Micro/ Small Enterprise (manufacturing/ services) as defined under MSMED Act and by RBI are eligible for this scheme. The loan offers a maximum amount upto Rs. 1 Crore.  It's pricing Linked to Bank Base Rate and Rating. The loan can be either fund based for working capital requirements, term finance or non fund based like bank guarantee or letter of credit. No Collateral / Third party guarantee is required for the loan.

IDBI Bank SME Hosiery Current Account

Each industry has its own financial challenges and roadmaps. IDBI Bank offers a unique SME Hosiery Current Account which is tailor- made keeping in view the specific requirements of the SME Textiles Hosiery units across the country.

UCO Bank Udyog Mitra

This scheme is specially designed to encourage first line as well as existing entrepreneurs by offering hassle free financial assistance at liberal and concessional terms for undertaking production, manufacturing or service related economic activities under Micro & Small Enterprise Sector.

The scheme offers Term Loan / Cash Credit / Composite Loan / Bank Guarantee Limit (need based) facilities. Borrowers should be technically qualified, promising and well trained/experienced person/ persons having entrepreneurial ability including green horn entrepreneurs, running manufacturing and service enterprise under Micro & Small Enterprise as per the definition of MSMED Act 2006.

The scheme offers a loan Above Rs. 25.00 lakh and upto Rs. 500.00 lakh for investment in Plant & Machinery of Manufacturing Enterprises and Above Rs. 10.00 lakh and upto Rs. 200.00 lakh for investment in equipment of Service Sector Enterprises. The loan is without third party guarantee and also without any collateral compulsorily covered under CGTMSE.

SBI SME Collateral Free Loan

The State Bank of India offers Collateral free loan for viable projects of micro and small enterprises in manufacturing and service sector with maximum guarantee cover up to Rs.1.00 crore under CGTMSE guarantee scheme for working capital & Term Loan (FB+NFB) facilities.

The scheme offers Cash Credit /Term Loan/ Letter of Credit/ Bank Guarantee facilities.


  • Primary Security: - Assets created out of bank finance
  • Existing assets of the borrower as per definition of CGTMSE
  • No collateral
  • No third party guarantee

Repayment Period

  • Working Capital (WC): One year, repayable on demand. Working capital limits will be renewed every two year. However, performance of the unit and conduct of account will be reviewed annually for continuation of limits.
  • Term Loan: Maximum Seven Years including moratorium period.




NIIR PROJECT CONSULTANCY SERVICES (NPCS) is a reliable name in the industrial world for offering integrated technical consultancy services. NPCS is manned by engineers, planners, specialists, financial experts, economic analysts and design specialists with extensive experience in the related industries.

Our various services are: Detailed Project Report,  Business Plan for Manufacturing Plant, Start-up Ideas, Business Ideas for Entrepreneurs, Start up Business Opportunities, entrepreneurship projects, Successful Business Plan, Industry Trends, Market Research, Manufacturing Process, Machinery, Raw Materials, project report, Cost and Revenue, Pre-feasibility study for Profitable Manufacturing Business, Project Identification, Project Feasibility and Market Study, Identification of Profitable Industrial Project Opportunities, Business Opportunities, Investment Opportunities for Most Profitable Business in India, Manufacturing Business Ideas, Preparation of Project Profile, Pre-Investment and Pre-Feasibility Study, Market Research Study, Preparation of Techno-Economic Feasibility Report, Identification and Section of Plant, Process, Equipment, General Guidance, Startup Help, Technical and Commercial Counseling for setting up new industrial project and Most Profitable Small Scale Business.

NPCS also publishes varies process technology, technical, reference, self employment and startup books, directory, business and industry database, bankable detailed project report, market research report on various industries, small scale industry and profit making business. Besides being used by manufacturers, industrialists and entrepreneurs, our publications are also used by professionals including project engineers, information services bureau, consultants and project consultancy firms as one of the input in their research.

Our Detailed Project report aims at providing all the critical data required by any entrepreneur vying to venture into Project. While expanding a current business or while venturing into new business, entrepreneurs are often faced with the dilemma of zeroing in on a suitable product/line.


And before diversifying/venturing into any product, wish to study the following aspects of the identified product:

• Good Present/Future Demand
• Export-Import Market Potential
• Raw Material & Manpower Availability
• Project Costs and Payback Period

We at NPCS, through our reliable expertise in the project consultancy and market research field, Provides exhaustive information about the project, which satisfies all the above mentioned requirements and has high growth potential in the markets. And through our report we aim to help you make sound and informed business decision.


The report contains all the data which will help an entrepreneur find answers to questions like:

• Why I should invest in this project?
• What will drive the growth of the product?
• What are the costs involved?
• What will be the market potential?

The report first focuses on enhancing the basic knowledge of the entrepreneur about the main product, by elucidating details like product definition, its uses and applications, industry segmentation as well as an overall overview of the industry sector in India. The report then helps an entrepreneur identify the target customer group of its product. It further helps in making sound investment decision by listing and then elaborating on factors that will contribute to the growth of product consumption in India and also talks about the foreign trade of the product along with the list of top importing and top exporting countries. Report includes graphical representation and forecasts of key data discussed in the above mentioned segment. It further explicates the growth potential of the product.

The report includes other market data like key players in the Industry segment along with their contact information and recent developments. It includes crucial information like raw material requirements, list of machinery and manufacturing process for the plant. Core project financials like plant capacity, costs involved in setting up of project, working capital requirements, projected revenue and profit are further listed in the report.

Reasons for buying the report:

• This report helps you to identify a profitable project for investing or diversifying into by throwing light to crucial areas like industry size, demand of the product and reasons for investing in the product.

• This report provides vital information on the product like its definition, characteristics and segmentation.

• This report helps you market and place the product correctly by identifying the target customer group of the product.

• This report helps you understand the viability of the project by disclosing details like raw materials required, manufacturing process, project costs and snapshot of other project financials.

• The report provides forecasts of key parameters which helps to anticipate the industry performance and make sound business decision.


Our Approach:

• Our research reports broadly cover Indian markets, present analysis, outlook and forecast.

• The market forecasts are developed on the basis of secondary research and are cross-validated through interactions with the industry players. 

• We use reliable sources of information and databases.  And information from such sources is processed by us and included in the report.


Our Market Survey cum Detailed Techno Economic Feasibility Report Contains following information:



Ø  Introduction

·         Project Introduction

·         Project Objective and Strategy

·         Concise History of the Product

·         Properties

·         BIS (Bureau of Indian Standards) Provision & Specification

·         Uses & Applications


Ø  Market Study and Assessment

·         Current Indian Market Scenario

·         Present Market Demand and Supply

·         Estimated Future Market Demand and Forecast

·         Statistics of Import & Export

·         Names & Addresses of Existing Units (Present Players)

·         Market Opportunity


Ø  Raw Material

·         List of Raw Materials

·         Properties of Raw Materials

·         Prescribed Quality of Raw Materials

·         List of Suppliers and Manufacturers


Ø  Personnel (Manpower) Requirements

·         Requirement of Staff & Labor (Skilled and Unskilled) Managerial, Technical, Office Staff and Marketing Personnel


Ø  Plant and Machinery

·         List of Plant & Machinery

·         Miscellaneous Items

·         Appliances & Equipments

·         Laboratory Equipments & Accessories

·         Electrification

·         Electric Load & Water

·         Maintenance Cost

·         Sources of Plant & Machinery (Suppliers and Manufacturers)


Ø  Manufacturing Process and Formulations

·         Detailed Process of Manufacture with Formulation

·         Packaging Required

·         Process Flow Sheet Diagram


Ø  Infrastructure and Utilities

·         Project Location

·         Requirement of Land Area

·         Rates of the Land

·         Built Up Area

·         Construction Schedule

·         Plant Layout and Requirement of Utilities


Project at a Glance

Along with financial details as under:


  •     Assumptions for Profitability workings

  •    Plant Economics

  •    Production Schedule

  •    Land & Building

            Factory Land & Building

            Site Development Expenses

  •    Plant & Machinery

             Indigenous Machineries

            Other Machineries (Miscellaneous, Laboratory etc.)

  •    Other Fixed Assets

            Furniture & Fixtures

            Pre-operative and Preliminary Expenses

            Technical Knowhow

            Provision of Contingencies

  •   Working Capital Requirement Per Month

             Raw Material

            Packing Material

            Lab & ETP Chemical Cost

           Consumable Store

  •   Overheads Required Per Month And Per Annum

         Utilities & Overheads (Power, Water and Fuel Expenses etc.)

             Royalty and Other Charges

            Selling and Distribution Expenses

  •    Salary and Wages

  •    Turnover Per Annum

  •   Share Capital

            Equity Capital

            Preference Share Capital


  •    Annexure 1:: Cost of Project and Means of Finance

  •    Annexure 2::  Profitability and Net Cash Accruals


                Expenses/Cost of Products/Services/Items

                Gross Profit

                Financial Charges     

                Total Cost of Sales

                Net Profit After Taxes

                Net Cash Accruals

  •   Annexure 3 :: Assessment of Working Capital requirements

                Current Assets

                Gross Working. Capital

                Current Liabilities

                Net Working Capital

                Working Note for Calculation of Work-in-process

  •    Annexure 4 :: Sources and Disposition of Funds

  •    Annexure 5 :: Projected Balance Sheets

                ROI (Average of Fixed Assets)

                RONW (Average of Share Capital)

                ROI (Average of Total Assets)

  •    Annexure 6 :: Profitability ratios


                Earnings Per Share (EPS)


             Debt Equity Ratio

        Annexure 7   :: Break-Even Analysis

                Variable Cost & Expenses

                Semi-Var./Semi-Fixed Exp.

                Profit Volume Ratio (PVR)

                Fixed Expenses / Cost 


  •   Annexure 8 to 11:: Sensitivity Analysis-Price/Volume

            Resultant N.P.B.T

            Resultant D.S.C.R

   Resultant PV Ratio

   Resultant DER

  Resultant ROI

          Resultant BEP

  •    Annexure 12 :: Shareholding Pattern and Stake Status

        Equity Capital

        Preference Share Capital

  •   Annexure 13 :: Quantitative Details-Output/Sales/Stocks

        Determined Capacity P.A of Products/Services

        Achievable Efficiency/Yield % of Products/Services/Items 

        Net Usable Load/Capacity of Products/Services/Items   

       Expected Sales/ Revenue/ Income of Products/ Services/ Items   

  •    Annexure 14 :: Product wise domestic Sales Realisation

  •    Annexure 15 :: Total Raw Material Cost

  •    Annexure 16 :: Raw Material Cost per unit

  •    Annexure 17 :: Total Lab & ETP Chemical Cost

  •    Annexure 18  :: Consumables, Store etc.,

  •    Annexure 19  :: Packing Material Cost

  •    Annexure 20  :: Packing Material Cost Per Unit

  •    Annexure 21 :: Employees Expenses

  •    Annexure 22 :: Fuel Expenses

  •    Annexure 23 :: Power/Electricity Expenses

  •    Annexure 24 :: Royalty & Other Charges

  •    Annexure 25 :: Repairs & Maintenance Exp.

  •    Annexure 26 :: Other Mfg. Expenses

  •    Annexure 27 :: Administration Expenses

  •    Annexure 28 :: Selling Expenses

  •    Annexure 29 :: Depreciation Charges – as per Books (Total)

  •   Annexure 30   :: Depreciation Charges – as per Books (P & M)

  •   Annexure 31   :: Depreciation Charges - As per IT Act WDV (Total)

  •   Annexure 32   :: Depreciation Charges - As per IT Act WDV (P & M)

  •   Annexure 33   :: Interest and Repayment - Term Loans

  •   Annexure 34   :: Tax on Profits

  •   Annexure 35   ::Projected Pay-Back Period And IRR