SMEs/Corporates having genuine requirement for brand building, working capital margin, R & D etc. can be arranged funding in form of Sub Debt. Sub-Ordinate Debt is a collateral free funding scheme. Subordinate Debt shall have repayment upto 7 years with moratorium period of 2-3 years. Subordinate Debt classifies as Tier-II capital & is considered as part of the net worth of the company.