सिडबी (SIDBI) 4E योजना (End से End ऊर्जा Efficiency)
ऋण प्रदाता बैंक / संस्था: Small Industries Development Bank of India (SIDBI)
₹10 Lakh to ₹15 Crore MSME credit at 8.00% – 9.15% with Up to 7 years tenure.
💼उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Specialized concessional financing for MSMEs implementing energy-efficient equipment, waste heat recovery, and clean production technology.
प्रमुख लाभ एवं व्यावसायिक विशेषताएं
Interest rate concession of up to 1.50%; lower electricity bills; partial grant support for detailed energy audit.
📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)
व्यावसायिक पात्रता शर्तें
Manufacturing units implementing verified energy conservation measures.
जमानत / कोलेटरल आवश्यकता (Collateral)
Mandatory Detailed Energy Audit (DEA) from BEE-certified energy auditor required prior to sanction.
प्रीपेमेंट एवं समय-पूर्व बंद करने के नियम (Prepayment Terms)
Zero prepayment penalty on floating rate loans as per regulatory norms
📂आवश्यक दस्तावेज (Required Documents)
Udyam Registration Certificate, PAN, Aadhaar, Last 2 years ITR and financial statements, 12 months GST returns, 6 months bank statement.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Caveats)
Mandatory Detailed Energy Audit (DEA) from BEE-certified energy auditor required prior to sanction.
🚀आवेदन के चरण (How to Apply)
Apply online via business net banking or approach loan account manager.
Apply online at https://www.sidbi.in/en/products-and-services/direct-lending/4e-scheme with digital KYC and financial statements.
Visit nearest MSME branch of the institution with business registration and bank statements.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What is the maximum loan tenure and amount for SIDBI 4E Scheme (End to End Energy Efficiency)?
Borrowers can avail ₹10 Lakh to ₹15 Crore with a repayment tenure of Up to 7 years.
What are the processing charges and collateral terms for SIDBI 4E Scheme (End to End Energy Efficiency)?
The processing fee is 0.25% + GST. Collateral terms: Mandatory Detailed Energy Audit (DEA) from BEE-certified energy auditor required prior to sanction.
What are the eligibility criteria for SIDBI 4E Scheme (End to End Energy Efficiency)?
Manufacturing units implementing verified energy conservation measures. Minimum business vintage required is 2 year(s).
How can an applicant apply for SIDBI 4E Scheme (End to End Energy Efficiency)?
Apply online at https://www.sidbi.in/en/products-and-services/direct-lending/4e-scheme or visit nearest branch with KYC, Udyam registration, and bank statements.