Scheme for Bill Discounting for Micro, Medium and Small Enterprises


Ministry of micro, small and medium enterprises


The scheme covers purchase/discounting of bills arising out of genuine trade transactions i.e., purchase of supplies made by small scale units to reputed public limited companies/State and Central Government Departments/Undertakings.

Bills drew by small-scale units for supplies made by them and duly accepted by the purchase will be financed by the security of bank guarantee in favour of NSIC.

Purchaser unit(s) may approach NSIC for sanction of annual limits by furnishing information as per the prescribed application form.

Sponsored By

Central Government of India


Discounting bills raised by MSEs on supplies to state and central departments, undertakings, reputed public limited companies





Assistance against the security of BG/SDR/FDR
Particulars Effective rate of interest (w.e.f., 20/09/2011)
(i) Units having valid SE 1A rating under NSIC’s rating scheme 12.40%
(ii) Units having valid SE 2A rating under NSIC’s rating scheme 12.90%
(iii) Units having valid SE 1B rating under NSIC’s rating scheme 12.90%
(iv) Other units 13.40%

How To Apply

A Udyami Helpline: Dial 1800-180-6763 [Toll Free Number] for queries relating to this Schemes.

Application for request for sanction limit under Bill Discounting Scheme is to be submitted by seller unit duly signed by authorised signatory i.e., Proprietor/Partner/Director of the Firm/Company in duplicate in prescribed form.




Micro, small and Medium enterprises

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