All MSME units engaged in manufacturing/service/trading activity with Udyam Registration
Unit avail credit facilities under Sole Banking arrangement only
To secure internal credit rating CR-1 to CR-4
The borrower should be in possession of requisite registration under GST Act viz. i.e. Provisional Registration (Form GSTREG-25) or Final Registration (Form GSTREG-06)
Must have filed last 12 month GST returns (Either monthly or annual return) with exception to newly established MSME units where the requirement is filing of GST return for minimum 3 months (monthly return) or for minimum one quarter (quarterly return)
Minimum 80% of the turnover in Current/ CC accounts should be against the sales mentioned in the GST Return.