This is to inform that by clicking on the link, you will be leaving our www.sc.com/in and entering a website operated by other parties:

Such links are only provided on our website for your convenience and Standard Chartered Bank does not control or endorse such websites, and is not responsible for their contents.

The use of such website is also subject to the terms of use and other terms and guidelines, if any, contained within each such website. In the event that any of the terms contained herein conflict with the terms of use or other terms and guidelines contained within any such website, then the terms of use and other terms and guidelines for such website shall prevail.

Thank you for visiting our www.sc.com/in

Proceed to third party website

Widen your business spread with collateral free loans.

Human, Person, Cup

Widen your business spread with collateral free loans.

Business Loans / Guaranteed Instalment Loans

Pricing from 17.25% p.a. for Business Instalment Loan (BIL)
Pricing of 13.5% p.a. for Guaranteed Instalment Loan (GIL)
Special benefits for Branch / Direct (Non-Referral) Sourced Customers
Special benefits for Priority Sector Lending (PSL) customers

An easy way to finance your projects

Gain easy access to funds for your working capital and business expansion needs.


Reach us

You can contact us via 24×7 Phone banking helpline and through our wide network of branches.

Service centres

SME Contacts & Locations
Call, write or SMS us to reach our SME Banking.

Eligibility and documents


  • Sole Proprietorship entity
  • Partnership firm (Including Limited Liability Partnership firms)
  • Private Limited Companies(including closely held limited companies)
  • Entity should have profitable business
  • Minimum 3 years of business operation
  • Minimum annual turnover of INR 100 lakhs for entity


  • Bank statements for the last 6 months.
  • VAT/GST statements for last 1 year.
  • 2-year financials including Profit & Loss (P&L) statement, balance sheet and income tax returns.
  • Documents related to establishment of entity, identity and address proof documents.
  • Specific details would be provided by the sales officer.


Terms and Conditions

Lending to MSEs

Types of facilities:

  • Business instalment loan
  • Guaranteed instalment loan-term loan with CGTMSE cover
  • Loan against property

Method of assessment:

  • Sales team meets the customers and collect the relevant documents – application form, KYC, income, bank statement and property related (for loans with collaterals).
  • Plant and machinery investment for the entity is assessed for identifying MSE sector lending.
  • internal rating/assessment is applied on applicant entity which contains parameters based on customer demographics, credit record, financials and existing customer relationship where applicable.
  • loan amount eligibility calculated using debt burden ratio (and loan to value in loans with collaterals). Debt assessment would contains all internal and external obligations while income assessed basis financials submitted by customers.
  • Verifications and financials analysis as well as personal visit may be done basis internal guidelines.

Pertaining to rehab of MSEs:

In case a customer is not able to repay loan obligation on time and faces long term payment challenges, Internal assessment is done for ability and intent to repayment by the customer. This process would involve assessment of current status of the financials and business status before arriving at decision to offer rehabilitation program.