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  Repayment of Loans:

Banks and financial institutions are extremely careful in selecting prospective entrepreneurs (borrowers) and ascertaining their creditworthiness before giving them loans.

  • The owner of a small scale enterprise is permitted to repay the loan amount in installments, generally spread over a period of 8 to 10 years. These are determined by taking into account the cash generation and profitability aspects of the project.
  • Normally banks and financial institutions insist on repayment of the loan amount, along with interest charges.
  • The interim period normally permitted for repaying the instalments of the principal amount varies from 12 months to 24 months from the date of the first release of the loan.
  • Before deciding the interim period, you should impress upon the banker the actual development period involved in respect of his project and then start the repayments.


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