As the owner of a small or medium enterprise, you have to manage the day-to-day running of your business, while also pursuing plans to expand your business. This could be through technological advancement, or perhaps through setting up ancillary units in different markets, or even scaling up production to anticipate future demand. Along with this, you also need to keep an eye out for opportunities you can capitalise on: a sudden tender you want to bid for, a unit that is up for auctions that you could buy. All of these require funds that your working capital may not have the elasticity to provide.

SME Finance can prove beneficial to you at these times. Our range of products are tailored to meet your requirements.

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Revision of Reference Rates for determining Interest Rates on loans given

Long Term Reference Rate:

ABFL has increased its Long Term Reference Rate (LTRR) by 50 bps to 17.85% p.a. with effect from October 15, 2018. The interest rate on the floating rate loans of tenor greater than 12 months that are linked to the LTRR will be revised upwards by 50 bps. The spread / margin on the said loans will remain unchanged.


Short Term Reference Rate:

ABFL has increased its Short Term Reference Rate (STRR) by 25 bps to 16.85% p.a. with effect from October 15, 2018. The interest rate on the floating rate loans of tenor up to 12 months that are linked to the STRR will be revised upwards by 25 bps. The spread / margin on the said loans will remain unchanged. ​​​​​​​


Emergency Credit Line Guarantee Scheme (ECLGS)

A new facility in accordance with the Emergency Credit Line Guarantee Scheme (“Scheme”) is launched by NCGTC (National Credit Guarantee Trustee Company Ltd., Ministry of Finance, Government of India). Under the Scheme, an additional loan upto 20% of the outstanding as on 29th Feb 2020 can be extended, which facility will be valid for a period of 4 years with a 12-month principal moratorium. 

This loan offer is subject to you complying with the following additional requirements, as specified under the Scheme: 

Annual turnover of the entity for the Financial year 2019-20 is not greater than Rs. 100 Cr. 

Overall fund based outstanding credit with all banks/NBFCs/FIs as on 29th Feb 2020 is not greater than Rs. 25 Cr. 

No overdues beyond 60 days, across all banks/NBFCs/FIs as on 29th Feb 2020. 

         Availability of a valid GST registration, unless exempted. 


Additional details of the above scheme is available on the following link: https://www.eclgs.com/



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