Please refer to IH&SMEFD Circular Nos. 06 and 07 of 2020 and IH&SMEFD Circular Letter No. 7 of 2020 on the captioned Schemes.

2.     With a view to avoid layoffs in non-deposit taking financial institutions, it has been decided to broaden scope of the facility and include non-deposit taking financial institutions as eligible borrowers under the captioned Schemes.

3.      Further, while a risk sharing facility for collateral deficient SMEs and small corporates has already been made available with the budgetary support of the GoP, with an aim to further enhance the liquidity support for business concerns, State Bank has decided to increase financing limits for the businesses under these Schemes. Existing three categories have been merged into two categories with higher wage bill coverage and higher maximum limits. Accordingly, maximum financing limit of a borrower/customer under these Schemes will now be determined in the following manner:

Category	Wages and Salaries Bill for 3 months	Loan Limit	Maximum Loan Limit
(1)	(2)	(3)	(4)
A	Less than or equal to Rs. 500 million	100% of column 2	Rs. 500 million
B	More than Rs. 500 million	Rs. 500 million or 75% of column 2, whichever is higher	Rs. 1,000 million

4.    The above changes are applicable with immediate effect. However, businesses that had earlier availed lower financing due to applicable limits can now avail additional financing on the basis of revised criteria. All other terms and conditions of the Schemes shall remain unchanged.