AI-generated project report in Union Bank of India's accepted format. Covers Union MUDRA (Shishu/Kishor/Tarun), Union MSME, PMEGP, and CGTMSE-backed business loans. With CMA data, DSCR, and repayment schedule.
यूनियन बैंक ऑफ इंडिया — प्रोजेक्ट रिपोर्ट 60 सेकंड में तैयार
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Union Bank of India is India's fifth-largest public sector bank (post merger with Andhra Bank and Corporation Bank in 2020), now operating with 8,500+ branches. Union Bank is one of the most active PMEGP and CGTMSE lenders and offers dedicated MSME products: Union MSME (term loan up to ₹25Cr), Union MUDRA, Union Mahila Udyog Nidhi (women entrepreneur loans), Union Artisan Credit, and Union SME E-Loan. Union Bank follows IBA CMA format and RBI MPBF norms for all working capital assessments.
Every report is formatted to the exact standards required by Indian banks and government departments.
Create your account in 30 seconds — no credit card needed.
Enter applicant details, select the scheme, set your loan amount.
Our AI drafts the full report with financials, projections, and CMA data in under 60 seconds.
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Union Bank's appraisal checklist requirements addressed — CMA data, DSCR, working capital
CMA data in IBA-approved format accepted by Union Bank circle offices
DSCR ≥ 1.25 (≥ 1.50 for manufacturing) across all 5 projection years
Union MUDRA format: simplified for Kishor, full CMA for Tarun
MPBF calculation per Tandon Method II — Union Bank's working capital standard
Andhra Pradesh and Telangana state scheme integration (Union Bank lead bank in AP clusters)
Export as Word — directly usable with Union Bank branch templates
Union Bank's MSME portfolio: (1) Union MSME — term loan and CC limit up to ₹25Cr; (2) Union MUDRA — Shishu/Kishor/Tarun up to ₹10L; (3) Union Mahila Udyog Nidhi — women entrepreneur loans with lower interest; (4) Union Artisan Credit Card — traditional artisans; (5) Union SME E-Loan — online processing for GST-registered MSMEs up to ₹1Cr; (6) PMEGP — Union Bank is a top 5 lender under PMEGP by disbursal volume.
MUDRA Shishu (up to ₹50K): 7–14 days via digital or branch submission. Kishor (₹50K–₹5L): 14–21 days with basic documentation. Tarun (₹5L–₹10L): 21–30 days with mandatory project report and CMA data. Union Bank has MSME Loan Centers (MLCs) in major cities for dedicated processing. PMEGP through Union Bank: 30–45 days for complete applications.
Union MUDRA loans: MCLR + spread (approximately 9.5–11.5% p.a.). Union MSME term loan: MCLR + 0.25% to 2.50% based on risk rating (approximately 10–13% p.a.). PMEGP: 11–12% p.a. Union Bank waives processing charges for MUDRA Shishu loans.
MUDRA loans up to ₹10L: no collateral as per RBI guidelines. MSME loans up to ₹2Cr: CGTMSE guarantee covers collateral requirement. Above ₹2Cr: primary security (assets financed) plus collateral depending on borrower risk profile. Union Bank participates in CGTMSE guarantee scheme for collateral-free lending up to ₹2Cr.
Yes — Union Bank (which absorbed Andhra Bank) has a strong legacy in AP and Telangana. It is a preferred lender under AP's YSRCP MSME schemes and Telangana's T-PRIDE scheme. Union Bank has dedicated branches in major MSME clusters: Tirupati, Vijayawada, Hyderabad, Warangal, and Karimnagar. AP and Telangana state scheme linkages are processed efficiently through Union Bank branches.