• For whom is the Term Loan product useful?
      The target segment includes manufacturers, retail/wholesale traders and service providers.
    • Which entities are eligible for Term Loans?
      • Self-employed individuals and professionals.
      • Sole proprietors/proprietorship firms.
      • Partnership firms.
      • Private-limited companies.
      • Listed public-limited companies with promoter holding greater than or equal to a 51% holding.
    • What is the maximum tenor of the Term Loan?
      Depending on the purpose of the term loan, the tenor varies between 5-15 years. It can be lower than this depending on the cash flows of the customer. Specific details would be provided by the sales officer.
    • What are different types of Term Loan offered?
      The different types of Term loans offered to the target segment are:
      • Loan for acquisition of property.
      • Business expansion.
      • Purchase of fixed assets.
      • Construction of factory premises, warehouses and branches etc.
    • What is the minimum and maximum turnover range to be eligible under Term Loan?
      The turnover requirement ranges from Rs. 1-185 crores.
    • What is the minimum and maximum loan amount offered under Term Loan?
      The minimum amount is Rs. 30 lakhs and the maximum is Rs. 75 crores, subject to conditions that will be explained by the sales officer.
    • What is the minimum amount of security that needs to be given as collateral?
      The collateral required depends and varies from case to case.
    • What are the minimum documents I need to submit for sanction?
      • Audited financials of the previous 3 years
      • Bank statements of the last 6 months
      • Net-worth statements and tax returns of the borrowers/promoters and guarantors
      • Identity and address proof
      • Proof of underlying invoice on the purchase of assets
      • Specific details will be provided by the sales officer
    • What is the rate of interest that would be charged on Term Loan?
      The rate of interest charged would vary from case to case based on the strength of financials, facilities offered, and tenor etc. Specific details would be provided by the sales.

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