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User Guide

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User Guide

The standard norms for financial assistance of the projects:

Debt Equity Ratio General Sectors (New clients)

  • Up to 1:1, without collateral security
  • Up to 1.5:1, with collateral security for the loan amount sought above 1:1 ratio

General Sectors (Existing clients with good track record)

  • Up to 1.5:1, without collateral security
  • Up to 2:1, with collateral security for the loan amount sought above 1.5:1 ratio

Thrust Sectors

  • Up to 1.5:1, without collateral security
  • Up to 2:1, with collateral security for the loan amount sought above 1.5:1 ratio
Term Loans Up to Rs. 35 Crore can be sanctioned. No cap for term loan under direct financing. However loan exceeding Rs. 35 Crore is subject to approval by State Govt. The minimum amount considered for assistance is normally Rs.1 Crore, except in case of expansion proposals of assisted units, where the minimum limit would be Rs. 50 Lakhs.
Working Capital Term Loan For existing and new clients with good performance track record.
Short Term Loan May be considered for assisted units with good track record, on a selective basis.
Equipment Purchase Loan For existing, as well as new clients of KSIDC, with good track record, to purchase items of Plant & Machinery
Repayment Repayment period is 6-8 years with a moratorium of 2-3 years, on a selective basis.
Interest Rate Interest Rate: Floating Rate linked to RBI Bank rate. Current interest rate band ranges from 8.40 % – 10.40 %.

For clients having no interest arrears, a further interest reduction of up to 0.75% will be granted on a quarterly basis by interest reversal, as a rebate for prompt repayment.

 

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Last Updated on: 28 March 2020

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