We fund micro and small enterprises engaged in manufacturing, trading, and services, including proprietorships, partnerships, and private limited companies registered under the MSME Act or Udyam portal.
Overview
Who It's For
Existing Businesses Takeover & Refinance (Top-Up Ready)
Shift your current loan(s) to lower EMIs/interest or extend tenure; consolidate multiple facilities if needed.
Access top-ups for seasonal inventory, capex, maintenance, marketing, or expansion with swift balance transfer and minimal downtime.
Please Provide Your Information
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Product Specifications
Working capital finance
Top up for seasonal inventory
Fund for renovation
and expansion
and expansion
No hidden cost
Tenor upto 120 months
ROI 15% - 24%
Features & Benefits
- Product choices: Term Loan for Working Capital, Business Expansion, Inventory Purchase, Debt Consolidation, Machinery Purchase, Receivable Financing, Loan Against Property etc.
- Fixed/Floating rate options available
- Security: Immovable Property acceptable to us
- Digital onboarding: appraisal process, e-KYC, e-NACH
- Long tenures for comfortable EMI
Documents Required
KYC
Bank statement
GST (if applicable)
Property ownership proof
Loan Process
Step 1
Click on Apply Now and enter your contact details.
Step 2
Our customer team will contact you to guide you through the details and complete the process smoothly.
Step 3
The application will then proceed for verification and assessment.
EMI CALCULATOR
Our Smart EMI Calculator
FAQ
Quick Answers
What is the maximum loan amount available for an MSME borrower?
MSME loans are available from ₹20 Lakhs to ₹500 Lakhs, depending on the business turnover, asset quality, repayment capacity, and collateral offered.
Is collateral mandatory for MSME loans?
Collateral in the form of immovable assets is mandatory irrespective of the loan size.
How is repayment capacity assessed for an MSME borrower without formal financials?
For informal or semi-formal MSMEs, we assess banking turnover, GST returns, trade references, stock statements, and field verification reports as proxies for financial health.
What is the typical loan tenure for MSME loans?
MSME loan tenures range from 12 to 120 months, structured to align with the business cycle, cash conversion cycle, and asset being funded.
Are GST registration and Udyam registration mandatory for MSME loan eligibility?
GST registration is strongly preferred and may be mandatory for higher loan amounts. Udyam registration, which establishes MSME identity can facilitate faster credit decisioning.
With complete documents and appraisal, decisions and disbursals are faster disbursement follows sanction & documentation.