Comprehensive business loan solutions for MSMEs, traders, manufacturers, and service businesses — with high loan amounts, flexible tenure, and MSME-friendly terms aligned with RBI priority sector lending norms.
Short-term credit facility to meet day-to-day operational expenses like purchasing raw materials, managing inventory, and managing cash flow cycles.
Medium to long-term loan for business expansion, machinery purchase, infrastructure development, and capital expenditure requirements.
Specially designed loans for Micro, Small and Medium Enterprises classified under the MSMED Act 2006. Priority sector lending norms apply.
Government of India's flagship scheme for funding non-corporate, non-farm micro and small enterprises. No collateral required for loans up to ₹10 Lakh.
Revolving credit facility against hypothecation of stocks, book debts, or property. Allows you to draw funds as needed and repay without closing the limit.
Finance your expansion with loans up to ₹5 Crore. Customised limits based on your business turnover and repayment capacity.
MSME borrowers can access collateral-free loans up to ₹2 Crore under the CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises) scheme.
In-principle approval within 7 working days for qualified MSME borrowers. Dedicated business banking relationship manager assigned.
Repayment moratorium of up to 6 months available on term loans to align with your business cash flow generation cycle.
Loan eligibility assessed based on GST returns and bank statements. No insistence on audited financials for loans below ₹25 Lakh.
Complete transparency on rates, charges, and terms. Loan agreement in regional language available on request as per RBI Fair Practices Code.
Our bank is an empanelled partner for key Government of India financial inclusion and MSME support programmes.
Collateral-free loans up to ₹20 Lakh for micro & small non-farm enterprises under Shishu, Kishore, Tarun & Tarun Plus categories.
Collateral-free credit guarantee cover for MSE loans up to ₹2 Crore. Guarantee premium borne by borrower as per CGTMSE schedule.
100% GoI-guaranteed emergency credit up to 20% of outstanding loan for businesses impacted by economic disruptions.
Simplified loan processing for Udyam-registered MSMEs with priority processing and concessional interest rate eligibility.
Rates are linked to Bank's MCLR/Base Rate as per RBI directives. Concessional rates available for women entrepreneurs and SC/ST borrowers.
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Note: Rates are indicative and linked to RBI MCLR. Processing fee of 0.50% – 2.00% + GST applicable. CGTMSE guarantee fee additional. Concessional rates of 0.25% to 0.50% applicable for women entrepreneurs, SC/ST borrowers, and NE/J&K region businesses as per Priority Sector Lending guidelines. All loans subject to credit appraisal.
Plan your business loan repayment effectively
Fill the business loan application at the branch with basic business and promoter details.
Provide KYC, financials, bank statements and business registration documents to the RM.
Our credit team analyses your business financials, cash flows, and credit bureau report.
Bank representative may conduct a physical verification of your business premises.
Sanction letter issued post approval. Loan disbursed to business account upon execution of documents.
Regulatory Disclosure: All business loans are subject to RBI Master Directions on Priority Sector Lending (2020), MSMED Act 2006, RBI Fair Practices Code, and KYC/AML guidelines. Loans under CGTMSE are subject to CGTMSE Trust guidelines. PM Mudra Yojana loans are subject to PMMY operational guidelines issued by MUDRA Ltd. and the Government of India. All interest rates, terms and conditions are subject to revision. Sanction is at the sole discretion of the bank's credit committee. For grievances, contact the Nodal Grievance Officer or www.rbi.org.in/CMS (Banking Ombudsman). MSME Samadhaan: samadhaan.dcmsme.gov.in
Our banking experts are ready to help you choose the right scheme.
