|
|
 |
|
Laghu Udhyami Credit Card Scheme (Lucc) |
"Tatkal Vyapar Suvidha"- Scheme
|
General Purpose Term Loans |
"SME Smart Score" Scheme |
"Artisans Credit Card |
Scheme For Beauty Parlour |
Sbbj Tourism Plus |
Sbbj Shoppe
|
Car Loan To SME Units |
Mortgage Advance |
Working Capital Requirements Of
SMEs |
Medium Term Loan Requirements Of SMEs |
Term Loan Requirements Of SMEs |
SBBJ Transport Operators Scheme|
SBBJ Professional Plus |
|
...................................................................................................................................................................................... |
|
SBBJ Transport Operators Scheme |
| |
|
Purpose
Purchase of commercial vehicles by road transport operators for
movements of goods / passengers. |
| |
|
Eligibility
Applicant should be able to run the business and having experience
in this line of activity. Having valid route permit, wherever necessary.
Borrower and / or guarantor should possess some immovable property in their
names having adequate value.In the case of second hand vehicle, it should
not be old for more than 7 years and balance of its useful life should be
more than sufficient to cover the repayment period of loan. |
| |
|
Margin
15% (30% in case of second hand vehicle).
|
| |
|
Repayment
3 to 7 years |
|
|
|
Security
Primary - Hypothecation of vehicle purchased from Bank finance.
Collateral - Equitable Mortgage / Registered Mortgage of immovable property.
|
|
|
|
Incentive
i. Borrowers repaying all instalments on due date with no premature
closure, will be entitled for incentive @ 0.5% of disbursed loan amount
as refund of interest at the time of closure of loan account.
ii. Life insurance cover to driver / borrower (self driving) upto Rs.1.00
lac (Rs.2.00 lac in case of accidental death) under group insurance cover.
|
| |
|
SBBJ PROFESSIONALS PLUS |
|
|
|
Purpose
Hassle free financing of various financial requirements of professionals. |
|
|
|
Eligibility
Persons technically qualified or skilled in their field e.g., Medical
Practioners, Chartered Accountants, Cost Accountants, Architects, Engineers,
Lawyers etc.
|
|
|
|
Quantum of Loan
Maximum Rs.10 lacs (sub ceiling for working capital Rs.2 lacs).For
medical practioners in semi-urban and rural areas - Rs.15 lac (sub ceiling
Rs.3 lac for working capital).
|
|
|
|
Margin
10% to 20% for loans above Rs.25000/- |
|
|
|
Security
(a) Primary : |
|
Hypothecation / Mortgage of assets created out of bank loan. |
|
|
|
(b) Collateral ( only in case of loan over Rs.5 lacs ) |
|
Tangible security in the form of immovable property, TDRs, KVPs, etc. |
|
|
|
Special Features
Concessional rate of interest and margin.
No collateral security required upto Rs.5 lacs
. |
|
 |
| |
