SIDBI (Direct Financing)Term Loan (Capex / Expansion)Medium Enterprise (Investment ≤ ₹50 Cr)🛡️CGTMSE CoveredVerified: 2026-09-29

SIDBI Ubharte Sitaare Program for Export MSMEs

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

₹50 Lakh to ₹20 Crore MSME credit at 8.25% – 9.50% with Up to 7 years tenure.

Interest Rate8.25% – 9.50%Linked to EBLR / MCLR / Risk

Loan Amount Quantum₹50 Lakh to ₹20 CroreBased on turnover & project cost

Repayment TenureUp to 7 yearsWith moratorium where applicable

Collateral SecurityRestricted to export-oriented MSMEs possessing unique technological capability or differentiated export product.

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

Restricted to export-oriented MSMEs possessing unique technological capability or differentiated export product.

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 Ubharte Sitaare Program for Export MSMEs?

Joint fund by SIDBI and Exim Bank identifying and financing Indian MSMEs with high potential in global exports.

Key Benefits & Features

Combines debt and equity; global market entry advisory; foreign currency lending options; technology upgradation.

Government Subsidy & Credit Guarantee Coverage

CGTMSE / Bank Guarantee / Normal Security

Enterprise Eligibility Criteria

Exporting MSMEs with demonstrated global export orders.

Business Vintage3+ Years in Operation

Min. Annual Turnover₹200.0 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/ubharte-sitaare 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 Ubharte Sitaare Program for Export MSMEs?

Borrowers can avail ₹50 Lakh to ₹20 Crore with a repayment tenure of Up to 7 years.

What are the processing charges and collateral terms for SIDBI Ubharte Sitaare Program for Export MSMEs?

The processing fee is 0.50% + GST. Collateral terms: Restricted to export-oriented MSMEs possessing unique technological capability or differentiated export product.

What are the eligibility criteria for SIDBI Ubharte Sitaare Program for Export MSMEs?

Exporting MSMEs with demonstrated global export orders. Minimum business vintage required is 3 year(s).

How can an applicant apply for SIDBI Ubharte Sitaare Program for Export MSMEs?

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