Policy: Eligible Amount = 30% of the lower of (6-month total bank credits) vs (last 2 VAT quarters). Freezone companies ignore VAT. Estimated EMI = Eligible ÷ 48. EMI must be ≤ 50% of 6-month average balance, and average balance ≥ 1% of bank turnover.
Sum of all credits in last 6 months
Ignored for Freezone
Average of monthly end balances
