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Loan to NBFC & Companies — NABKISAN Finance Limited

At a glance

  • Loan Type

    Term Loan / Working Capital / Mix

  • Eligible Entity

    NBFCs (except MFIs)

  • Security

    Book debt hypothecation, DPN, ROC charge

  • Repayment

    Maximum up to 5 years

Purpose

Loan purpose

Working Capital Loan

On-lending to customers in agriculture and allied activities, SME, rural housing, sanitation, renewable energy, vehicle financing, educational infrastructure and other segments supporting economic and social upliftment of rural and semi-urban populace.

Term Loan

Longer tenor support for onward lending across identified focus sectors aligned with NABKISAN policy.

Mix Facility

Combination of term loan and working capital based on requirement and assessment.

Eligibility

Who can apply

  • Non-Banking Finance Companies except MFIs.
  • NBFC should be in existence for at least 2 years from date of RBI license to date of application.
  • Should have made profit during last year as per audited financials (exceptions as per policy).
  • Internal NABKISAN rating generally between NKR1 to NKR6.
  • Credit rating from RBI accredited agency (normally BBB- or better; specified relaxations for focus segments as per policy).
  • Impeccable repayment/credit history and no active defaults.

Terms

Security, interest & repayment

Security

Hypothecation of book debts

Demand Promissory Note (DPN)

Registration of charge with ROC

Other collateral / promoter support as per sanction terms

Rate of Interest & Processing Fee
Linked to ALCO borrowing rate and NABKISAN interest rate policy applicable from time to time.
Repayment Period

Maximum repayment period up to 5 years*

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