Introduction

The Rajasthan State Financial Corporation (RSFC) offers financial assistance to Micro, Small, and Medium Enterprises (MSMEs) through its dedicated MSME Loan Scheme. The scheme is designed to support entrepreneurs in starting new businesses or expanding existing ones by providing timely and affordable credit.

This initiative is part of the Government of Rajasthan’s broader effort to strengthen the MSME sector, generate employment, and promote economic development across the state.

Purpose of the Scheme

The RSFC MSME Loan Scheme aims to:

• Provide financial support to new and existing MSMEs.

• Help enterprises set up, expand, or modernize their operations.

• Encourage industrial growth, innovation, and job creation.

• Improve credit accessibility for MSMEs across manufacturing, service, and trade sectors.

Loan Details

• Loan Amount: Up to ₹5 crore, depending on the project size and credit assessment.

• Interest Rate: Typically ranges between 9.75% and 11.50% per annum.

• Loan Tenure: Repayment period ranges from 3 to 10 years, with a possible moratorium period.

• Loan Type: Primarily term loans for fixed assets and project financing.

• Collateral: Security in the form of land, building, plant, machinery, or other acceptable assets.

Who Can Apply?

The scheme is available to:

• Proprietorships, partnerships, private limited companies, LLPs, and co-operative enterprises.

• Enterprises registered as Micro, Small, or Medium Enterprises (MSMEs).

• Businesses engaged in manufacturing, services, or trading activities.

• Units located within the State of Rajasthan.

• Applicants with a viable business plan and good credit record.

What Can the Loan Be Used For?

Loan funds can be used for:

• Purchase of land, factory buildings, or commercial property.

• Procurement of plant, machinery, and equipment.

• Business expansion or diversification.

• Upgradation of technology or infrastructure.

• Working capital margin and other eligible expenses related to the enterprise.

Documents Required

To apply for the loan, applicants need to submit:

Basic Documents

• Udyam Registration Certificate

• Aadhaar and PAN of promoters

• Photographs and address proof

Business-Related Documents

• Detailed Project Report (DPR)

• Financial statements (if applicable)

• Income Tax Returns

• Bank account statements

• Quotations for machinery or construction

Legal Documents

• GST registration certificate

• Business incorporation or partnership deed

• Ownership or lease documents of premises

• Other documents as required by RSFC

How to Apply

You can apply for the RSFC MSME Loan Scheme through the following channels:

1. Visit RSFC Branches:
   Approach the nearest RSFC branch with your project proposal and required documents.

2. Prepare a Project Report:
   Include financial estimates, business objectives, and repayment plan.

3. Submit Application:
   Submit the filled loan application form along with all required documents.

4. Loan Evaluation:
   RSFC will assess the business proposal and financial viability before sanctioning the loan.

Note: Online application facility may be available in the future. Please refer to RSFC’s official website for updates.

Contact RSFC

For more information or assistance, contact:

Rajasthan State Financial Corporation (RSFC)
Head Office: Udyog Bhawan, Tilak Marg, Jaipur – 302005
📞 Phone: +91-141-5110XXX
🌐 Website: www.rsfc.rajasthan.gov.in