Public Sector Bank (PSU)Term Loan (Capex / Expansion)Women-Led Enterprises🛡️CGTMSE CoveredVerified: 2026-09-29

Central Bank of India Cent Kalyani (Women MSME)

Primary Lending Institution:Central Bank of India

Up to ₹1 Crore MSME credit at 8.40% – 9.65% with Up to 7 years tenure.

Interest Rate8.40% – 9.65%Linked to EBLR / MCLR / Risk

Loan Amount QuantumUp to ₹1 CroreBased on turnover & project cost

Repayment TenureUp to 7 yearsWith moratorium where applicable

Collateral SecurityEnterprises must be 100% owned by women or have 51% controlling shareholding.

What's Missing: Crucial Fine-Print & Exclusion Gaps

Enterprises must be 100% owned by women or have 51% controlling shareholding.

Note: Eligo publishes these regulatory and commercial exclusions directly from bank product guidelines and CGTMSE rules to protect MSME applicants from unexpected fee debits or loan rejection surprises.

What is Central Bank of India Cent Kalyani (Women MSME)?

Pioneering women entrepreneur credit program by Central Bank of India with zero processing fee and zero third-party collateral.

Key Benefits & Features

No collateral required up to ₹1 Crore; zero processing fee; interest concession of 0.25%; supports service and manufacturing units.

Government Subsidy & Credit Guarantee Coverage

CGTMSE / Bank Guarantee / Normal Security

Enterprise Eligibility Criteria

Women entrepreneurs starting or running micro/small businesses.

Business VintageNew & Existing units eligible

Min. Annual TurnoverTurnover proportionate

Processing FeeNil processing fee

Prepayment TermsZero prepayment penalty on floating rate loans as per regulatory norms

How to Apply (3 Verified Paths)

💼Path 1: Current Account Portal

Apply online via business net banking or approach loan account manager.

🌐Path 2: Official FinTech / Govt Portal

Apply online at https://www.centralbankofindia.co.in/en/cent-kalyani with digital KYC and financial statements.

🏢Path 3: SME Banking Center Walk-In

Visit nearest MSME branch of the institution with business registration and bank statements.

Eligo does not collect business loan applications or financial data. Apply directly on the verified official domain:

Visit Official Portal↗

Documents Required Checklist

Udyam Registration Certificate, PAN, Aadhaar, Last 2 years ITR and financial statements, 12 months GST returns, 6 months bank statement.

Frequently Asked Questions

What is the maximum loan tenure and amount for Central Bank of India Cent Kalyani (Women MSME)?

Borrowers can avail Up to ₹1 Crore with a repayment tenure of Up to 7 years.

What are the processing charges and collateral terms for Central Bank of India Cent Kalyani (Women MSME)?

The processing fee is Nil processing fee. Collateral terms: Enterprises must be 100% owned by women or have 51% controlling shareholding.

What are the eligibility criteria for Central Bank of India Cent Kalyani (Women MSME)?

Women entrepreneurs starting or running micro/small businesses. Minimum business vintage required is 0 year(s).

How can an applicant apply for Central Bank of India Cent Kalyani (Women MSME)?

Apply online at https://www.centralbankofindia.co.in/en/cent-kalyani or visit nearest branch with KYC, Udyam registration, and bank statements.