Sector,Facility Type,Rating Band,Benchmark Index,Indicative Spread (bps),Effective ROI Range (% p.a.),Typical Amortization (Years),Moratorium (Months)
Healthcare & Hospitals,Term Loan (Capex),A to AAA,1-Year MCLR / EBLR,125 - 175,8.45% - 9.15%,10 - 15,24 - 36
Healthcare & Hospitals,Medical Equipment Line,BBB to AA,1-Year MCLR,150 - 225,8.75% - 9.50%,5 - 7,6 - 12
Pharmaceuticals & API,Industrial Capex Term Loan,A to AA,1-Year MCLR,135 - 185,8.50% - 9.20%,7 - 10,18 - 24
Specialty Chemicals & ZLD,Greenfield Term Debt,A to AA,1-Year MCLR,145 - 200,8.65% - 9.35%,8 - 12,18 - 30
Heavy Manufacturing,Consortium Term Loan,BBB+ to AA,1-Year MCLR / EBLR,140 - 210,8.55% - 9.40%,7 - 10,12 - 24
Agro & Cold Chain (MoFPI),Term Loan + Grant Bridge,BBB to A,1-Year MCLR,160 - 230,8.85% - 9.60%,7 - 10,18 - 24
Commercial Real Estate,Lease Rental Discounting (LRD),Grade-A Tenant (Escrow),1-Year MCLR / EBLR,110 - 165,8.35% - 8.95%,10 - 15,Nil (Immediate Cash Flow)
Logistics & Warehousing,PEB Warehouse Term Loan,BBB+ to AA,1-Year MCLR,140 - 195,8.60% - 9.25%,10 - 12,12 - 18
Mid-Market Corporate,Consortium Working Capital (CC/OD),BBB to AA,Repo / EBLR,150 - 225,8.50% - 9.50%,1 (Annual Renewal),N/A
Growth Desk MSME,Term Debt (Collateral-Light),Unrated / SME-2,EBLR / CGTMSE,225 - 350,9.25% - 10.75%,5 - 7,6 - 12