For instance, the MSFC does not charge separate interest tax, DICGC fee, service charge, inspection fee, compulsory purchase of shares, etc. It also has a facility to pay the quarterly interest within one month from the date of calculation, decentralisation of sanctioning and disbursement (through its nine regional and 21 branch offices, besides its head office) powers; need-based additional loans and facilities for deserving units; loans for first generation entrpreneurs; longer moratorium and repayment period. The major schemes include general loan, equipment finance, small nursing homes, electro-medical equipment for medical practitioners, ex-servicemen, women entrepreneuers, service industries, hotels, restaurants and tourism-related activities, qualified professionals, Mahila Udyam Nidhi,equipment lease finance, technology development and modernisation, extended credit facilities for good clients.

Interest rates range from 12.5 to 20.5 percent on loan limits of up to Rs 90 lakh(proprietary and partnerships) and Rs 2.40 crore (limited companies). The debt-equity ratio is usually 2:1 or 3:1 depending on loan amount with a maximum processing fee of 0.7 to 1 percent subject to maximum of Rs 1 lakh (for sanctions of over Rs 10 lakh). The maximum repayment period is eight years, with a moratorium of two years from the date of first disbursement during which only interest payment starts. For certain schemes, the repayment period is shorter. Regarding the scheme for women entrepreneurs this a) provides support through training and extension services independently or in association with other development agencies (see article below), and b) extends financial assistance on all SSI projects which is promoted by them and partnership or private firms where they have a majority share (minimum 51% ).