सिडबी (SIDBI) PRATHAM योजना के लिए SC/ST एवं महिला MSMEs
ऋण प्रदाता बैंक / संस्था: Small Industries Development Bank of India (SIDBI)
₹10 Lakh to ₹1 Crore MSME credit at 8.00% – 9.25% (Ultra-concessional) with Up to 7 years tenure.
💼उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Direct concessional financial assistance from SIDBI for enterprises promoted by SC, ST, and Women entrepreneurs.
प्रमुख लाभ एवं व्यावसायिक विशेषताएं
Ultra-concessional interest rates; zero processing charges; dedicated SIDBI relationship desk; equity and working capital support.
📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)
व्यावसायिक पात्रता शर्तें
SC, ST, or Women entrepreneurs setting up or expanding MSME units.
जमानत / कोलेटरल आवश्यकता (Collateral)
Restricted strictly to entities where SC, ST, or Women hold at least 51% equity.
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)
Restricted strictly to entities where SC, ST, or Women hold at least 51% equity.
🚀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/pratham 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 PRATHAM Scheme for SC/ST and Women MSMEs?
Borrowers can avail ₹10 Lakh to ₹1 Crore with a repayment tenure of Up to 7 years.
What are the processing charges and collateral terms for SIDBI PRATHAM Scheme for SC/ST and Women MSMEs?
The processing fee is Nil processing fee. Collateral terms: Restricted strictly to entities where SC, ST, or Women hold at least 51% equity.
What are the eligibility criteria for SIDBI PRATHAM Scheme for SC/ST and Women MSMEs?
SC, ST, or Women entrepreneurs setting up or expanding MSME units. Minimum business vintage required is 0 year(s).
How can an applicant apply for SIDBI PRATHAM Scheme for SC/ST and Women MSMEs?
Apply online at https://www.sidbi.in/en/products-and-services/direct-lending/pratham or visit nearest branch with KYC, Udyam registration, and bank statements.