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NEDFi Rupee Term Loan (RTL)

NEDFi has launched a scheme under the Ministry of Development of Northeastern Region (DoNER). Rupee term loan is initiated to increase the economic stability of the North-Eastern states by providing a platform to create entrepreneurs through a sustainable and productive MSME (Micro Small Medium Enterprises) sector. 


There are two types of loans provided by the NEDFi through this scheme  

  • Medium Loans 

  • Long Term Loans 


Nature of Assistance 

  • Generally, The Corporation considers maximum exposure of up to 12% of its net worth for a single project. 

  • In the case of consortium lending, the total debt component in the project may be decided by the consortium partners.  

  • In the case of a corporation, this restricts its maximum exposure to 12% of its net worth and the rest of the loan requirement may be sanctioned by other consortium partners promotes contribution should be a minimum of 35- 40% of the total project cost. 


Eligibility Criteria 

  • The industry should be situated in any North-Eastern states that require upgradation in infrastructure, technology, and distribution outlets. 

  • Any Individual, Group, or Consortium Lenders 

  • Manufacturing and services sector operating in North-Eastern states 

  • The manufacturing/production and services sector should be registered with the GST authority 

  • All MSME and SME (Small Medium Enterprises) sectors 


The RTL scheme is applicable to the following North-Eastern states: 

  • Sikkim 

  • Arunachal Pradesh 

  • Assam 

  • Meghalaya 

  • Nagaland 

  • Manipur 

  • Tripura 

  • Mizoram 


Documents Required for Project Approval 

  • Detailed Project Report 

  • Documents of the company or the firm such as registration certificates, memorandum articles, etc. 

  • Proof of documents related to the applicant, directors, associated companies, and assets 

  • If the company has existed for more than a year, documents related to the balance sheet, financial ratios, and cash flow statement 

  • Documents for proof such as PAN (Permanent Account Number) Card, Driving License, Net-worth, banking details and IT returns 


How to apply? 

The application must submit to the Chairman and Managing Director, NEDFi, G.S. Road, Dispur, Guwahati – 781006 in the prescribed format of NEDFi. 

A Further process to avail of a loan 

Step 1: Prepare the Detailed Project Report (DPR) 

Step 2: Prepare a Project Proposal 

Step 3: Organize the documents as required by NEDFi (mentioned above) 

Step 4: Provide the Project Proposal and DPR to the project approval committee or the board of directors  

Step 5: After approval of the project, pay the application fee amount. 

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