Term/Overdraft commercial loan is the obvious choice if you need a finance for

  1. To meet the working capital requirement of the business activity.
  2. For purchase of plant/construction/renovation of factory / offices / shop /
  3. For purchase of plant & machinery/equipment.

Loan - Eligibility & Interest Rate

Eligibility – Proprietor, Partnership Firm, Private Limited Company, Public Ltd Company

Interest Rate – 11.75 %

Loan - Amount & Tenure

Loan Period

For Working Capital – 12 months subject to renewal based on performance.

For Term Loan – 60 months to maximum 120 months . Repayment period will be decided by the bank at its discretion

Moratorium Period – In case of Term Loan- Based on business cycle

Maximum Amount

Rs. 8 crores subject to need, based on performance and projections.

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Loan - Other Information


Personal guarantee of the business entrepreneur and One guarantors with adequate Net worth


  1. Security – First Charge on the Fixed Asset acquired through the Loan Amount
  2. Collateral Security – Mortgage of immovable property if required , as per the case


25% to 30% of fair market value of the property as per the valuation report.

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