MSME Loans within Retail Mortgages product comprises two type of secured loan segments, Loans to Education Institutions (EIL) & Loans to Small and Medium Enterprises (MSME LAP).

The focus of EIL segment is to provide financial assistance to education institutions such as pre-schools, schools, colleges, universities, professional and technical training for their every need - construction, renovation, acquisition of infrastructural facilities, purchase of land for expansion of facilities, equipment purchase, working capital, or for any other requirement which may enable enhanced education delivery.

The focus of MSME LAP segment is to provide financial assistance to small business enterprises primarily upto an annual turnover of Rs. 50 Cr for their business expansion needs. This proposition allows the client to avail the loans for a maximum tenure of up to 15 years.