Welcome to Nabsamruddhi Finance Limited

NABSAMRUDDHI caters to the financial requirements of the following broad market segments as under:

Corporate lending (Financial Institutions)

Corporate lending (Financial Institutions) to NBFC/ NBFC-MFI/ Section 8 Companies, Cooperative Societies, Societies registered under Societies Act

Non-Banking Financial Companies (NBFCs) registered as a Company under the Companies Act 1956, are rapidly emerging as an alternative to traditional banking. They are playing a significant role in transforming the Indian Financial System and exhibiting immense potential in reaching out to the underbanked by taking forward the Central Government’s agenda of Financial Inclusion.In line with its mandate, NABSAMRUDDHI Finance Limited provides long term finance to NBFCS and NBFC-MFIs for on lending to corporates, individuals, Producer Companies, Federations, Trusts, Societies/ Section 8 Companies, SHGs and JLGs, etc., for Off Farm Sector / Secondary Agricultural Activities.

Organisations registered as a trust, society and section 8 company borrow and on lend to individuals, Producer Companies, SHGs and JLGs, etc., for activities like microfinance, agro processing, Water Sanitation & Hygiene and other off farm activities. NABSAMRUDDHI Finance Limited extends financial assistance to these institutions.

The eligibility norms are indicated below.

Type of Loan	Term Loan
Purpose	Onlending for Off farm Sector / Secondary Agricultural Activities.
Eligibility Criteria	NBFCs/NBFC-MFIs should be in existence for a minimum 3 years and Section 8 Companies, Trusts and Societies for a minimum of 5 years NBFC/NBFC-MFIs should have booked profit in the preceding financial year, and any 2 of the last three financial years as per audited financial statements.Section 8 Companies, Trusts and Societies should have booked profit in preceding 3 years as per audited financial statements Credit rating not lower than “BBB-”
Security	Hypothecation of Book Debt Liquid/Cash Collateral Personal/Corporate Guarantee undated/Post-dated cheques and NACH Mandate with an upper limit
Rate of Interest	Based on the average cost of funds plus transaction cost, tenor premium, risk premium (determined on the basis of rating/ grading as applicable) and appropriate business premium.
Repayment Period	18 months-7 years
Processing fee	0.50%- 1.00%of sanctioned Credit facility plus GST

Corporate lending (Other than financial Institutions)

NABSAMRUDDHI Finance Limited extends finance to Private/ Public Limited Companies (other than NBFCs/ MFIs), for income generating activities.

Lending to Private/Public Limited Companies (Other than NBFCs/MFIs)

Type of Loan	Term Loan, Working Capital, Composite Loan
Purpose	For income generating activities
Eligibility Criteria	Borrowing entity should be registered for more than 3 years as on the date of application to NABSAMRUDDHI. Net Worth should not be less than INR 25 lakh. Should have been in profits for the last two successive years.
Quantum of Finance	Term loan based on the project cost, technical feasibility and financial viability Working Capital on the basis of Client’s projected annual turnover
Margin	15%
Rate of Interest	Based on the average cost of funds plus transaction cost, tenor premium, risk premium (determined on the basis of rating/ grading as applicable) and appropriate business premium.
Security	Mortgage/ Hypothecation/ Pledge of assets created out of the loan Liquid collateral or mortgage of self occupied Commercial / Residential property (Other than Agricultural Land) Personal Guarantee from the Borrower entity / third party Guarantor
Repayment Period	3-5 years
Processing fee	0.50%- 1.00%of sanctioned Credit facility plus GST

Lending to Producers Organisations (farm and off-farm sector)

Financing Producers Collectives has been one of the impact areas of NABSAMRUDDHI Finance Ltd. The members of Producers’ Organisations are producers like farmers, weavers, craftsmen, artisans and other individuals who may be specifically involved in farm as well as off farm sector activities like agriculture production, processing and marketing activities, handlooms, handicrafts artisan products and similar activities In keeping with the Company’s mandate and Corporate strategy, the Company extends financial assistance to eligible and viable POs and other Collectives in the farm and off farm sector space.

Lending to Producers Organisations

Type of Loan	Term Loan, Working Capital, Both
Eligible Institutions	Producer Organisation in off-farm sector and Secondary/Tertiary Activities Federations/ societies of beneficiaries producing non-farm products or marketing non-farm, agriculture and allied products Product Specific Federations/societies Any other registered organisation or legal entity of similar kind not listed above
Purpose	Working Capital Term Loans for procurement of Raw Material, Work in Progress, Finished Goods, and financing Receivables, Payables to Creditors (Members) Term loan or composite loan for creation of common infrastructure like production facilities, storage godown for raw material and finished products, design centres, transport vehicle, marketing outlets, other infrastructure requirement Bulk loans to Producers’ Organisations for lending for asset creation at member level for any MSME activity Bulk loans to Federations/aggregates of Producers’ Organisations for on-lending to member POs for eligible activities Any other business/ services activity which is helping the PO and its members to generate income
Eligibility Criteria	Incorporated for atleast two years It should have at least one balance sheet as on the date of application Minimum subscribed share capital of INR 2 lakh It should have a well laid out Business Plan at least for the next one year
Quantum of Finance and margin	Maximum 85% of the total project cost subject to a maximum of up to 6 times of the Net Worth.
Rate of Interest	Based on the weighted average cost of funds plus transaction cost, tenor premium, risk premium and appropriate business premium.
Security	Hypothecation of Book Debt At least 15% liquid collateral for POs not covered under any credit guarantee scheme
Repayment Period	Term loan: Maximum 7 years including moratorium periodWorking Capital : Maximum 3 years including moratorium period
Processing fee	0.25% of loan amount plus applicable taxes

Pooled Loan Issuance

A Pooled Loan Issuance (PLI) is a structured loan product in which the lender provides loans to multiple small and mid-sized clients, all these loans being backed by a common partial guarantee extended by body corporates. Under the PLI, the loan facility to multiple entities of either a single or multipleassetclassispooled. Guarantee support from single/ multiple Guarantor/s (having higher rating than the borrowers) results in a higher rating for the facility vis-à-vis standalone rating of the Borrowers, thereby increasing the lender acceptability.

This product is designed to assist NBFCs/ NBFC-MFIs that lend to vulnerable borrower segments in the current macroeconomic environment, by way of access to financing and liquidity. Under the PLI structure, NABSAMRUDDHI Finance Limited extends loan facility to more than one NBFC/ NBFC(MFI).

Investment in PTCs

Pass Through Certificates(PTCs) allow an investor to select specific assets from an underlying pool, on the basis of specific risk parameters.The Company has so farmade investments in four PTCs involving underlying pools of off farm loans of the NBFCs.

Reach out to nabsamruddhi@nabard.org for your Loan Requirements