SIDBI (Direct Financing)Term Loan (Capex / Expansion)Small Enterprise (Investment ≤ ₹10 Cr)🛡️CGTMSE CoveredVerified: 2026-09-29

SIDBI ARISE Scheme for Brownfield Expansion

Primary Lending Institution:Small Industries Development Bank of India (SIDBI)

₹25 Lakh to ₹5 Crore MSME credit at 8.40% – 9.60% with Up to 7 years tenure.

Interest Rate8.40% – 9.60%Linked to EBLR / MCLR / Risk

Loan Amount Quantum₹25 Lakh to ₹5 CroreBased on turnover & project cost

Repayment TenureUp to 7 yearsWith moratorium where applicable

Collateral SecurityRequires minimum 2 years profitable operations in manufacturing or key service sectors.

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

Requires minimum 2 years profitable operations in manufacturing or key service sectors.

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 SIDBI ARISE Scheme for Brownfield Expansion?

Assistance to Re-energize Indian S-enterprises providing capital expenditure funding for modernization and automation.

Key Benefits & Features

Up to 80% financing of project cost; flexible moratorium; quick processing for existing healthy borrowers.

Government Subsidy & Credit Guarantee Coverage

CGTMSE / Bank Guarantee / Normal Security

Enterprise Eligibility Criteria

Operational MSMEs modernizing manufacturing infrastructure.

Business Vintage2+ Years in Operation

Min. Annual Turnover₹50.0 Lakh

Processing Fee0.50% + GST

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.sidbi.in/en/products-and-services/direct-lending/arise 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 SIDBI ARISE Scheme for Brownfield Expansion?

Borrowers can avail ₹25 Lakh to ₹5 Crore with a repayment tenure of Up to 7 years.

What are the processing charges and collateral terms for SIDBI ARISE Scheme for Brownfield Expansion?

The processing fee is 0.50% + GST. Collateral terms: Requires minimum 2 years profitable operations in manufacturing or key service sectors.

What are the eligibility criteria for SIDBI ARISE Scheme for Brownfield Expansion?

Operational MSMEs modernizing manufacturing infrastructure. Minimum business vintage required is 2 year(s).

How can an applicant apply for SIDBI ARISE Scheme for Brownfield Expansion?

Apply online at https://www.sidbi.in/en/products-and-services/direct-lending/arise or visit nearest branch with KYC, Udyam registration, and bank statements.