Borrowers under the Scheme will be micro and small enterprises and farmers with economic landholding.

The borrower shall preferably be a fresh customer; however, an existing borrower can also be extended additional lending facility under the Scheme.

The selection criteria for eligible borrowers will include:

                       i.         Regular and estimable positive cash flows to ensure ability of debt servicing

                      ii.         Conformance to Prudential Regulations for SMEs/Agri/Micro Financing

                     iii.         Clean e-CIB record