Short Term Loan Againts

Central Subsidy

Processing Fee -   0.25% + GST

Interest Rate -   Starts From 8.50% p.a.

Short Term Loan Against Central Subsidy

To meet the temporary liquidity mismatch in the business operation loan against central subsidy receivable may be obtained by pledging central subsidy receivables sanctioned by the competent authority i,e. NEIIPP 2007, NEIDS 2017 etc.


  • Any existing business having satisfactory credit history.

  • Photo identity and Address proof : As per RBI defined KYC guidelines.
  • Business Proof : Trade License/MOA & AOA/GST Registration/ITR, Partnership Deed etc. as per applicability.Trade License/MOA & AOA/GST Registration/Income Tax Retrun, Partnership Deed and other documents as per applicability.
  • Additional documents may be collected during the loan application process as per actual requirement.

 Key Features

Rate of Interest

8.50% p.a.


Upto 12 Months

Nature of Assistance

Short Term Loan

Upfront Fee



  • Demand Promissory Note.
  • Personal Guarantee of promoters / Directors.
  • Lien of subsidy receivable

 Other Terms & conditions

  • The central subsidy should not be marked lien with any other bank / financial institution; else obtain NOC from the lender bank for marking the central subsidies lien in favour of NEDFi.

Key Highlights

Loan upto 50% of the subsidy receivable

Interest Calculation on Reducing Balance

Simplified Application Process