Business Loan

  • Competitive interest rate.
  • Flexible Loan Tenure.
  • Both funds based and non- fund based credit facilities.
  • Easy Processing .

  • Facilities Type: Overdraft Loan/ Term Loan/ Demand Loan and Short Term Loan.
  • Purpose: To Finance Working capital, capital expenditure requirements including refinancing of equity.
  • Loan Amount: Staring from Rs 30,000,000 and above.
  • LTV: Up to 90% of FMV.
  • Term: 10 years (Core Working Capital).
  • Term: 15 years (Land and Building).
  • Overdraft: 1 year revolving basis.
  • Demand Loan: 1 year payable on maturity.
  • Short Term Loan: Max 120 days or working capital cycle whichever is lower.

  • Loan Application
  • Audited and 3 years projected Financial Report.
  • Copy of Firm/ PAN/ VAT Registration Certificate, Partnership Deed, Latest Tax Clearance Certificate.
  • MOA/ AOA (If Any).
  • Company’s Profile
  • Board Resolution for opening A/C, Availing Loan, Delegation of Authority (If any).
  • Copy of citizenship and 1 copy of PP size photograph of all directors.
  • Project Proposal (If any).
  • Profile (Biodata) of the Directors/ Shareholders.
  • Documents related to fixed assets security (i.e. Lal Purja, Tiro Rashid, etc).
  • Bank Statement.
  • Detail report of Stocks, Account Receivables, Account Payables, Goods in Transit, Sales, Purchase etc.
  • If Directors/ Shareholders are involved in other company details of the company.
  • List of major Suppliers/ Buyers.
  • Main products of the unit/ Firm/ Industry/ Company


  • If the mode of transfer is “Rajinama” the cooling off period must elapse 6 months 35 days
  • For “Bakaspatra”- 2 years and 35 days.
  • For "Ankshabanda”- 3 months.
  • For “Mrityu Namsari”- 3 years.