* Small, medium and large enterprises, excluding cottage industries.
* New or existing companies, seeking expansion, mordenisation or diversification.
* Credit worthy promoters who will be required to prove their commitment to the project by contributing at least 25% of the project cost excluding land.
* Borrowers whose management capability, financial situation (including availability of collateral and guarantee), character and reputation are incontrovertible.
* Clients with demonstrable ability to meet loan repayments.
* Borrowers with no record of unpaid loans to erstwhile development finance institutions and other banks