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Business Loan
Business Loan
The Business Loan is just what you need to address your diverse financial needs – be it venturing in to new business lines or expanding current business, you can now look forward to getting the financial support you need, without any hassles.
EMI Calculator
Eligibility
Benefits
Fees&Charges
Documentation
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Age
Above 23 years
Financial Norms
Growth & Positive PAT
Profiles Covered
Manufacturers, Traders, Wholesalers, Retailers, Contractors, Service Providers
Work Experience
5 years of experience with 4 years in the current venture
Loans are tenable in a wide range of Rs.10 lakhs to Rs.5 Crore
Easy and simple documentation
Flexible repayment options, 12 and 60 months
Description of Charges
Norm
Overdue Charges
2.0% p.a. over & above existing ROI for the number of days overdue from the due date.
Auto-debit Mandate / Cheque Bounce Charges
Rs.350 + Service Tax
Auto-debit Mandate / PDC Swap Charges
Rs.500 + Service Tax
EMI Cycle Change
Rs.500 + Service Tax
Loan Re-schedulement charges
0.25% + Service Tax
Switch Charges (Floating to Fixed and vice versa)
3.00% + Service tax of the loan outstanding
Part Prepayment Penalty
Part Prepayment can be made only after 6 months from the date of full disbursement. This payment can be done only once in a financial year subject to minimum of Rs 50,000 and maximum of 25% of the loan outstanding at the beginning of the FY. All part prepayments made within 12 months prior to the foreclosure of the loan will be charged at the applicable foreclosure rate.
Part Prepayment Penalty Foreclosure Penalty
Foreclosure charges will be 5% + service tax on the outstanding loan amount at the time of foreclosure if the loan is closed within 6 months from the date of 1st disbursement. Foreclosure charge will be 3% + service tax if loan is closed between 6 – 12 months from the date of 1st disbursement. The foreclosure charge will be 2% + ST if loan closed after 12 months from the date of 1st disbursement.
Facility Cancellation Charges
Rs.2000 + Service Tax + interest charges from disbursement date till cancellation request.
Facility Statement Charges
Rs.500 + Service Tax (NIL for 1 statement half yearly)
CGTMSE Guarantee Fee
Loan Amount Upto Rs.5 Lakhs – 1.00%
Loan Amount Above Rs.5 Lakhs – 1.50%
CGTMSE – Annual Service Fee
Loan Amount Upto Rs.5 Lakhs – 0.50%
Loan Amount Above Rs.5 Lakhs – 0.75%
Stamp duty (Facility documentation & Property) + Registration
As per Actuals
Legal, Repossession and incidental charges
As per Actuals
Insurance Premium
As per Actuals
Charge creation with ROC
As per Actuals
Any other charge
As per sanction letter
Service charge as applicable
Loan Application Form
KYC & Constitutional Documents
Audited Financial report
Borrower & Key Personnel Profiles
Borrower Existing Bank Sanction Letter
Borrower Existing Bank Statements
Borrower External Rating Report ( if available)
Key Personnel Net worth Statements
Apply
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