Bank of Baroda
Concession in Processing Charges & Concession in Rate of Interest
25% concession in processing charges
19 incentives for Gold certified MSMEs
Bank of Baroda
25% concession in processing charges
Bank of Baroda
25% concession in Processing Charges and ROI concession of 25 bps (Subject to, applicable ROI is not below than BRLLR / MCLR+SP)
ESAF Small Finance Bank
50% reduction in processing fee for all loan proposals from ZED certified units
ESAF Small Finance Bank
1% reduction from standard interest rate for ZED Certified Units
Fusion Microfinance Ltd
Discount in Processing Fees up to 0.5%
Fusion Microfinance Ltd
Concession in Interest Rate up to 0.5%
ICICI Bank Limited
25% concession in processing fee is being provided to MSME clients post submission of ZED Certificate.
YES Bank Limited
0.5% concession on the Processing Fees and Rate of interest
AU Small Finance Bank
Concession of 50% on Processing Fee of 1.5% i.e. Effective PF of 0.75% and Applicable ROI of (Repo + 5.35%) on card rate of (Repo +7.6%) i.e. 2.25% p.a. concession
Bank of Maharashtra
25% concession in processing fees, 50 bps concession in rate of interest
Canara Bank
1) Risk Rating of the unit (New/Existing), Internal Rating – CNR I to V (Minimal/LR), External Rating – AAA/AA/A, Concession in ROI – 0.50% and Concession in processing charges - 50%; 2) Risk Rating of the unit (New/Existing), Internal Rating – CNR VI (NR), External Rating – BBB, Concession in ROI- 0.30% and Concession in processing charges - 30% 3) Risk Rating of the unit (New/Existing), Internal Rating – CNR VII (MR-1), External Rating – BBB, Concession in ROI- 0.25% and Concession in processing charges - 25%
Central Bank of India
100 bps concession in Processing Fees, 50 bps concession in Rate of Interest
Federal Bank
15% concession from the extant card rate and 50 bps below the extant card rates
HDB Financial Services Ltd
75% concession in Processing Fees
North East Small Finance Bank
Processing Fees Waiver would be Rs. 0.25%, Interest Rate Waiver would be Rs. 0.25%
Punjab National Bank
50% concession in Processing charges and 10 bps (0.10%) interest concession
Small Industries Development Bank of India (SIDBI)
25 bps in Interest rate and 25% in Processing/ upfront fees
State Bank of India
25% concession in processing charges/upfront fees 25 bps interest concession
UCO BANK
25% Concession in Processing Charges and 45 bps (0.45%) concession in rate of interest (ROI)
Source: ZED portal (updated 5 Nov 2026, 6:21 am) . See this list on the ZED portal