SME Credit :: Personal Loans | Home Loans | Credit Cards

For Self-employed (retailer/wholesaler/manufacturer/service provider) and professionals (CA/Doctors non-salaried).

1. For Indian resident only
2. Borrower age should be between 25 to 65 years.
3. Growing turnover and profits.
4. Min business Vintage & Turnover -
- a) Min 2 yrs with turnover min 1 Cr.
- b) Min 3 yrs with min turnover 70 lakh.
- c) Banking transactions and balance are up to the mark.
5. GST Return Duly Filled
6. Very Important - CIBIL / Loan History No delay payments in last 6 months or maximum one in last 12 months and Score >700.
7. Ownership Residence/Office/shop One should be owned.(in Delhi NCR) (Not required in few places)
8. Manageable banking transactions and balances.

KYC OF PROP/PARTNER/DIRECTOR:
- • PAN CARD AND ADHAAR CARD OF ALL DIRECTORS/ PARTNERS/ PROP WITH CO-APPLICANT (WIFE/FATHER/SON (AGE 25+)
- • PASSPORT SIZE PHOTOGRAPHS OF ALL APPLICANTS.
- • LATEST BILL OF RESIDENCE OR SHOP (WHICH IS OWNED) (ELECTRICITY/WATER/PROPERTY TAX RECEIPT).
- • RENT AGREEMENT + ELECTRICITY BILL OF LANDLORD ( IF RENTED)
KYC OF FIRM/COMPANY:
- • GST CERTIFICATE WITH CURRENT OFFICE ADDRESS.
- • RENT AGREEMENT + ELECTRICITY BILL OF LANDLORD ( IF RENTED)
FINANCIALS :
- • COMPLETE FINANCIALS FOR THE LAST 2 YEARS WITH ALL ANNEXURES.
- • GST RETURNS – DULY FILLED UP TO DATE.
BANKING :
- • LAST 12 MONTHS BANKING OF ALL CURRENT ACCOUNTS (OD/CC) (IN PDF FORMAT)
LOAN DETAILS :
- • LOAN SCHEDULES OR TRACKS OF ALL ACTIVE (RUNNING) LOANS.
- • SANCTION LETTER OF EXISTING OD/CC FACILITIES.
ADDITIONAL DOCS
FOR PVT. LTD. CO :
- • MOA, AOA, COI, AND PAN CARD OF COMPANY
- • LIST OF DIRECTOR AND SHAREHOLDING PATTERN ON LETTERHEAD.
FOR PARTNERSHIP FIRM :
- • PARTNERSHIP DEED AND PAN CARD OF COMPANY.

Business Loan