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Best Business Loan Offers.

Bank Loan Amount Range Interest Rate Range Processing Fee Range Tenure Range Loan Features
50000 - 5000000 13 - 18%
Floating
1.25 - 1.50%
Fixed
12 - 36 Months Show Details   

What you'll love

    • No guarantor required
    • Conditional pre-closure and part payment - only after 12 months


Documents


    KYC Documents:

    • Loan Application

    • Passport sized Photographs (3)

    • Identity Proof - ( Photocopy of the Voter’s ID card / Passport / Driving License, Adhar Card / IT PAN Card )

    •  Residence Proof - ( Photocopy of the recent Telephone Bill /Electricity Bill / Property Tax receipt / Passport / Voter’s ID Card )

    • Bank Statement /The Passbook - ( Last 6 months )


    For Salaried Individuals:

    • Proof of Income :

    (a) Salary slip  - (Latest 2 month)

    (b) Form-16 -( Last 2 year)

    (c)  Bank Statement - ( Last 6 months )

    • Audit Report


Fees & Charges



Eligibility Criteria

    • Business Vintage – Minimum 3 years


    • Turnover – Rs 30 Lakhs to Rs 10 Cr


    • Age – 21 to 65 years


Perks

    • Door step service
    • E-approval
    • Part-payment available
    • Top-up loan available
    • No guarantor required
    • Balance transfer


Axis Bank:- Axis Bank Is The Third Largest Private Sector Bank In India. The Bank Offers The Entire Spectrum Of Financial Services To Customer Segments Covering Large And Mid-Corporates, MSME, Agriculture And Retail Businesses. The Bank Has A Large Footprint Of 3,304 Domestic Branches (including Extension Counters) And 14,163 ATMs Across The Country As On 31st March 2017. The Overseas Operations Of The Bank Are Spread Over Nine International Offices With Branches At Singapore, Hong Kong, Dubai (at The DIFC), Colombo And Shanghai; Representative Offices At Dhaka, Dubai, Abu Dhabi And An Overseas Subsidiary At London, UK. The International Offices Focus On Corporate Lending, Trade Finance, Syndication, Investment Banking And Liability Businesses. Axis Bank Is One Of The First New Generation Private Sector Banks To Have Begun Operations In 1994. The Bank Was Promoted In 1993, Jointly By Specified Undertaking Of Unit Trust Of India (SUUTI) (then Known As Unit Trust Of India), Life Insurance Corporation Of India (LIC), General Insurance Corporation Of India (GIC), National Insurance Company Ltd., The New India Assurance Company Ltd., The Oriental Insurance Company Ltd. And United India Insurance Company Ltd. The Share Holding Of Unit Trust Of India Was Subsequently Transferred To SUUTI, An Entity Established In 2003.

100000 - 10000000 18.5 - 22%
Floating
2%
Fixed
12 - 36 Months Show Details   

What you'll love



Documents


    KYC Documents:

    • Loan Application

    • Passport sized Photographs - (3)

    • Identity Proof- ( Photocopy of the Voter’s ID card / Passport / Driving License/ Adhar Card / IT PAN Card )

    • Residence Proof-  (Passport/ Driving License/ Telephone Bill/ Ration Card /Election Card/Any other Certificate from Statutory Authority).

    •  Age Proof - (PAN Card/ Passport/ Any other Certificate from Statutory Authority)

    • Signature Proof - (Passport / PAN Card / Driving license / Bankers Verification / Registered Sale deed / Government Employee ID card )

    • Bank Statement /the Passbook - ( Last 6 months )


    For Self Employed Individuals( Professionals / Non- Professionals/ Businessman):

    • Proof Of Income:

    (a) Latest Salary certificate /Salary Slip - (Last 3 months)

    (b)  IT - Returns- (last 2 years) along with tax paid challan.

    (c)  Bank  Statements - (last 6 months )

    • Proof of existence of business.


Fees & Charges

    • Part payment fee = 0


Eligibility Criteria


    •   Min. Age - 27 years at loan sanctioning;


    •  Max. Age - 65 years at loan maturity


    •  Minimum cash profit should be Rs. 10 lacs


    •  The business should have been in operation for a minimum period of 3 years.


    •  Clear repayment history in all the running or previously closed loans.


    •  Good CIBIL score.


Perks

    • Door step service
    • E-approval
    • Part-payment available
    • Top-up loan available
    • No guarantor required
    • Balance transfer




Aditya Birla Finance Limited:- Aditya Birla Capital Limited (ABCL) is the holding company for all the financial service businesses of the Aditya Birla Group. With a strong presence across the life insurance, asset management, private equity, corporate lending, structured finance, general insurance broking, wealth management, equity, currency and commodity broking, online personal finance management, housing finance, pension fund management and health insurance business, ABCL is committed to serve the end-to-end financial services needs of its retail and corporate customers. Formerly known as the Aditya Birla Financial Services Limited (ABFSL), ABCL ranks among the top 5 fund managers in India (excluding LIC) with an AUM of Rs. 2,463 billion as on March 31st, 2017 and has a lending book of Rs 388 billion. ABC reported aggregate revenue from businesses at Rs. 106 billion and profit before tax of Rs. 11.5 billion for fiscal 2016-17. Anchored by over 12,000 employees, ABC has a nationwide reach through over 1,300 points of presence and more than 142,000 agents / channel partners

300000 - 7500000 16 - 24%
Floating
2%
Fixed
12 - 60 Months Show Details   

What you'll love




Documents


    KYC Documents:

    • Loan Application

    • Passport sized Photographs - (3)

    • Identity Proof- ( Photocopy of the Voter’s ID card / Passport / Driving License/ Adhar Card / IT PAN Card )

    • Residence Proof-  (Passport/ Driving License/ Telephone Bill/ Ration Card /Election Card/Any other Certificate from Statutory Authority).

    •  Age Proof - (PAN Card/ Passport/ Any other Certificate from Statutory Authority)

    • Signature Proof - (Passport / PAN Card / Driving license / Bankers Verification / Registered Sale deed / Government Employee ID card )

    • Bank Statement /the Passbook - ( Last 6 months )


    For Self Employed Individuals( Professionals & Partnership Firms / Private Limited Companies & Sole Proprietorships ):

    • Proof Of Income:

    (a) Latest Salary certificate /Salary Slip - (Last 3 months)

    (b)  IT - Returns- (last 2 years) along with tax paid challan.

    (c)  Bank  Statements - (last 6 months )

    • Proof of existence of business - PAN, sales tax/ excise/ VAT/ service tax registration, copy of partnership deed, trade license, certificate of practice, registration certificate issued by RBI, SEBI


Fees & Charges



Eligibility Criteria

    •   Age -  should be at least 23 years old at loan approval time and 65 years old at loan maturity time.


Perks



Capital First:- Capital First Ltd is one of the leading Indian Financial Institution spent significant time in giving obligation financing to MSMEs and purchasers in India. The establishing topic of Capital First is that financing India's 50 million MSMEs and its developing working class, with a separated model, in view of new innovations gives an extensive and remarkable open door. Capital First was established in 2012 by Management Buyout of a current recorded NBFC and upheld by a main worldwide private value; in the process the organization got new shareholders, reconstituted another board, began new business lines, and made another brand and substance called Capital First.

1000000 - 3500000 17 p.a%
Fixed
2 - 3 %
Fixed
12 - 36 Months Show Details   

What you'll love



Documents


    KYC Documents:

    • Loan Application

    • Passport sized Photographs (3)

    • Identity Proof ( photocopy of the Voter’s ID card / Passport / Driving License, Adhar Card / IT PAN Card )

    •  Residence Proof ( photocopy of the recent Telephone Bill /Electricity Bill / Property Tax receipt / Passport / Voter’s ID Card )

    • Bank Statement /the Passbook ( Last 6 months )


    For Self Employed Individuals( Professional ):

    • Proof of Income :

    (a)    IT- Returns -(last 3 years)

    (b)   Bank Statement - ( Last 6 months )  

    (c) Balance Sheet - (last 3 Years) and Profit & Loss Account of the firm

    •  Education Qualifications Certificate

    • Proof of Business Existence


    For Self Employed Individuals (Partnership Firms / Private Limited Companies & Sole Proprietorships ):

    • Proof of Income :

    (a)    IT- Returns-(Last 3 years)

    (b)   Bank Statement - ( Last 6 months )  and 3 months of all other bank accounts mentioned in the Balance Sheet

    (c)    Balance Sheet - (Last 3 Years) and Profit & Loss Account of the firm

    • Education Qualifications Certificate

    • Proof of Business Existence

    • Partnership Deed and partnership authority letter for partnership firms

    •  Memorandum and Articles of Association and Board Resolution from the company

    • Certificate of Incorporation (COI) for companies

    • Latest shareholding patterns for Private Ltd. / Public Ltd. companies




Fees & Charges



Eligibility Criteria

    •   Business Loans can be availed by self-employed individuals, self-employed professionals, sole proprietorships, partnership firms and private limited companies (including closely-held public limited companies), with a profitable business for the past 3 years.


    • Applicant’s age should be minimum 23 years at the time of application and maximum 65 years at loan maturity.


    •  Minimum 5 years of experience required in the same line of business with at least 3 years of business establishment & operation in the same city.    


    •  For self-employed professionals, minimum 4 years of post-qualification experience is required.


    •  Minimum business turnover required is Rs. 1 Crore and for Professional / Service Sector, applicant’s gross receipts should be at least Rs. 60 Lakhs.


    •  Applicant must own either residence or office in his name or jointly with family members or resides in a residence owned by an immediate family member.


Perks

    • Door step service
    • E-approval
    • Part-payment available
    • Top-up loan available
    • No guarantor required
    • Balance transfer


RBL Bank:- RBL Bank is one of India’s fastest growing private sector banks with an expanding presence across the country. The Bank offers specialized services under six business verticals namely: Corporate & Institutional Banking, Commercial Banking, Branch & Business Banking, Agribusiness Banking, Development Banking and Financial Inclusion, Treasury and Financial Markets Operations. It currently services over 3.15 million customers through a network of 246 branches and 388 ATMs spread across 20 Indian states and Union Territories.

300000 - 5000000 18 - 24%
Floating
2%
Fixed
12 - 36 Months Show Details   

What you'll love



Documents


    KYC Documents:

    • Loan Application

    • Passport sized Photographs - (3)

    • Identity Proof- ( Photocopy of the Voter’s ID card / Passport / Driving License/ Adhar Card / IT PAN Card )

    • Residence Proof-  (Passport/ Driving License/ Telephone Bill/ Ration Card /Election Card/Any other Certificate from Statutory Authority).

    •  Age Proof - (PAN Card/ Passport/ Any other Certificate from Statutory Authority)

    • Signature Proof - (Passport / PAN Card / Driving license / Bankers Verification / Registered Sale deed / Government Employee ID card )

    • Bank Statement /the Passbook - ( Last 6 months )


    For Self Employed Individuals ( Professionals ):

    • Proof Of Income:

    (a) Latest Salary certificate /Salary Slip - (Last 3 months)

    (b)  IT - Returns- (last 2 years) along with tax paid challan.

    (c)  Bank  Statements - (last 6 months )


    For Self Employed Individuals (Partnership Firms / Private Limited Companies & Sole Proprietorships ):

    • Proof of Income :

    (a)    IT- Returns-(Last 3 years)

    (b)   Bank Statement - ( Last 6 months )  and 3 months of all other bank accounts mentioned in the Balance Sheet

    (c)    Balance Sheet - (Last 3 Years) and Profit & Loss Account of the firm

    • Education Qualifications Certificate

    • Proof of Business Existence


Fees & Charges



Eligibility Criteria


    •   You need to be minimum of 25 years of age and maximum 65 years


    •  Your business should have been making profit for 3 consecutive financial years


    •  Turnover should be on a positive trend


    •  Balance sheet has to be audited by a registered chartered accountant


Perks



TATA Capital:- Tata Capital Ltd., a subsidiary of the legendary Tata Sons Limited established in 2007 with the sole aim of providing focused and transparent financial solutions to help people realize their dreams. The interest brought forth Tata Capital Financial Services Limited, a one-stop monetary specialist co-op that takes into account the assorted needs of retail, corporate and institutional clients crosswise over organizations. Enrolled with the Reserve Bank of India as a Systemically Important Non Deposit Accepting Non Banking Financial Company (NBFC), the organization works crosswise over different ranges of business to be specific the Commercial Finance, Infrastructure Finance, Wealth Management, Consumer Loans and dispersion and promoting of Tata Cards. Today, Tata Capital Financial Services Limited is 100 branches old and tallying.

100000 - 3000000 16 - 35%
Floating
2%
Fixed
12 - 36 Months Show Details   

What you'll love



Documents


    KYC Documents:

    • Loan Application

    • Passport sized Photographs - (3)

    • Identity Proof- ( Photocopy of the Voter’s ID card / Passport / Driving License/ Adhar Card / IT PAN Card )

    • Residence Proof-  (Passport/ Driving License/ Telephone Bill/ Ration Card /Election Card/Any other Certificate from Statutory Authority).

    •  Age Proof - (PAN Card/ Passport/ Any other Certificate from Statutory Authority)

    • Signature Proof - (Passport / PAN Card / Driving license / Bankers Verification / Registered Sale deed / Government Employee ID card )

    • Bank Statement /the Passbook - ( Last 6 months )


Fees & Charges



Eligibility Criteria


    •   Self Employed Professionals (SEP) - Allopathic doctors, chartered accountants, company secretaries and architects who are practicing their profession.


    •  Proof of qualification – document to be shared


    •  Self Employed Non Professionals (SENP) - Traders and manufacturers, retailers, Proprietors, and service providers etc.


    •  Entities - Partnerships, Limited Liability Partnership, Private Limited and closely held Limited companies.


    •  Other constitution types depending on their profile on a case to case basis.


Perks



Bajajfinserv:- While You Go About Acquiring Means(finance), We Let You Do It In The Least Time And With The Least Effort. And We Ensure Your Pursuits Are Not Hindered By Limited Access To Finance By Extending The Biggest Ticket Sizes Across Most Of Our Portfolios. Through Deep Investments In Technology, Processes And People, We Have Constantly Strived To Deliver What We Promise. We Partner With The Best In The Game Across The World To Cut Process Time And Sift Out Unnecessary Details. We Put A Result Oriented Work Culture Ahead Of Everything Else. We Keep As Much Focus On Simplifying Life For Our Existing Customers As We Do For Acquiring New Ones. The Net Result - You Get What You Need In Lesser Time, A More Transparent Manner, So Nothing Comes In Between You And Your Best Self

100000 - 5000000 16 - 33.5%
Floating
2%
Fixed
12 - 48 Months Show Details   

What you'll love



Documents



    KYC Documents:

    • Loan Application

    • Passport sized Photographs - (3)

    • Identity Proof- ( Photocopy of the Voter’s ID card / Passport / Driving License/ Adhar Card / IT PAN Card )

    • Residence Proof-  (Passport/ Driving License/ Telephone Bill/ Ration Card /Election Card/Any other Certificate from Statutory Authority).

    •  Age Proof - (PAN Card/ Passport/ Any other Certificate from Statutory Authority)

    • Signature Proof - (Passport / PAN Card / Driving license / Bankers Verification / Registered Sale deed / Government Employee ID card )

    • Bank Statement /the Passbook - ( Last 6 months )


    For Self Employed Individuals( Professionals ):

    • Proof Of Income:

    (a) Latest Salary certificate /Salary Slip - (Last 3 months)

    (b)  IT - Returns- (last 2 years) along with tax paid challan.

    (c)  Bank  Statements - (last 6 months )


    For Self Employed Individuals (Partnership Firms / Private Limited Companies & Sole Proprietorships ):

    • Proof of Income :

    (a)    IT- Returns-(Last 3 years)

    (b)   Bank Statement - ( Last 6 months )  and 3 months of all other bank accounts mentioned in the Balance Sheet

    (c)    Balance Sheet - (Last 3 Years) and Profit & Loss Account of the firm

    •  Processing fee cheque

    •  Proof of business existence



Fees & Charges



Eligibility Criteria

    • You need to be at least 27 years of age to apply for a Business Loan under the 'Self Employed Business Category'.


    • A relaxation of 2 years will be made if you are a non-professional. You cannot exceed 65 years of age at the time of Loan Maturity.


Perks



Fullerton:- Since its launch in January 2007, Fullerton India has successfully and strongly established itself, spread across the country's broad financial landscape, with a network of over 526 branches and serving over 1.5 million customers. Our primary services constitute financing of SME for working capital and growth, loans for commercial vehicles and two-wheelers, home improvement loans, loans against property, personal loans, working capital loans for urban self-employed and loans for rural livelihood advancement, rural housing finance and financing of various rural micro enterprises. Working together with over 9,946 employees, we reach our market by connecting with millions of customers, be it in cities, towns or villages, right at their doorstep. We penetrate deep inside the market through more than 528 branches, covering 600 towns and close to 51,000 villages.

100000 - 4000000 13%
Fixed
2%
Fixed
12 - 60 Months Show Details   

What you'll love

    • No guarantor required                         
    •  No part payment fee     


Documents


    KYC Documents:

    • Loan Application

    • Passport sized Photographs - (3)

    • Identity Proof- ( Photocopy of the Voter’s ID card / Passport / Driving License/ Adhar Card / IT PAN Card )

    • Residence Proof-  (Passport/ Driving License/ Telephone Bill/ Ration Card /Election Card/Any other Certificate from Statutory Authority).

    •  Age Proof - (PAN Card/ Passport/ Any other Certificate from Statutory Authority)

    • Signature Proof - (Passport / PAN Card / Driving license / Bankers Verification / Registered Sale deed / Government Employee ID card )

    • Bank Statement /the Passbook - ( Last 6 months )


    For Self Employed Individuals (Partnership Firms / Private Limited Companies & Sole Proprietorships ):

    • Proof of Income :

    (a)    IT- Returns-(Last 3 years)

    (b)   Bank Statement - ( Last 6 months )  and 3 months of all other bank accounts mentioned in the Balance Sheet

    (c)    Balance Sheet - (Last 3 Years) and Profit & Loss Account of the firm


Fees & Charges



Eligibility Criteria




Perks

    • Door step service
    • E-approval
    • Part-payment available
    • Top-up loan available
    • No guarantor required
    • Balance transfer


ICICI Bank:- ICICI Bank is India's largest private sector bank with total consolidated assets of Rs. 9,860.43 billion (US$ 152.0 billion) at March 31, 2017 and profit after tax of Rs. 98.01 billion (US$ 1.5 billion) for the year ended March 31, 2017. ICICI Bank currently has a network of 4,850 Branches and 13,917 ATM's across India. History  ICICI Bank was originally promoted in 1994 by ICICI Limited, an Indian financial institution, and was its wholly-owned subsidiary.

50000 - 500000 13%
Fixed
1%
Fixed
12 - 60 Months Show Details   

What you'll love

    • No guarantor required                         
    •  No pre-closure and part payment fee for floating rate loan 


Documents


    KYC Documents:

    • Loan Application

    • Passport sized Photographs - (3)

    • Identity Proof- ( Photocopy of the Voter’s ID card / Passport / Driving License/ Adhar Card / IT PAN Card )

    • Residence Proof-  (Passport/ Driving License/ Telephone Bill/ Ration Card /Election Card/Any other Certificate from Statutory Authority).

    •  Age Proof - (PAN Card/ Passport/ Any other Certificate from Statutory Authority)

    • Signature Proof - (Passport / PAN Card / Driving license / Bankers Verification / Registered Sale deed / Government Employee ID card )

    • Bank Statement /the Passbook - ( Last 6 months )


    For Self Employed Individuals( Professionals ):

    • Proof Of Income:

    (a) Latest Salary certificate /Salary Slip - (Last 3 months)

    (b)  IT - Returns- (last 2 years) along with tax paid challan.

    (c)  Bank  Statements - (last 6 months )


    For Self Employed Individuals (Partnership Firms / Private Limited Companies & Sole Proprietorships ):

    • Proof of Income :

    (a)    IT- Returns-(Last 3 years)

    (b)   Bank Statement - ( Last 6 months )  and 3 months of all other bank accounts mentioned in the Balance Sheet

    (c)    Balance Sheet - (Last 3 Years) and Profit & Loss Account of the firm

    •  Processing fee cheque

    •  Proof of business existence


Fees & Charges



Eligibility Criteria

    The candidates with business registration under following categories are eligible to apply for the business loan-


    •  Proprietorship Firm

    •  Partnership

    •  Limited Liability Partnership

    •  Pvt Ltd. Companies

    • The applicant must be of age between 21 years to 65 years . The business vintage of minimum 3 years is essential along with annual turnover ranging from Rs. 30 lakhs to 10 crores .


Perks

    • Part-payment available
    • Top-up loan available
    • No guarantor required
    • Balance transfer


IDBI Bank:- Be it a marriage in family, renovation of house, meeting urgent educational / hospitalization expenses or travel abroad At times, personal Loan comes handy while arranging for Earnest Money to apply for a Plot / House, or to manage Margin Money funding to avail of a Home Loan / Loan Against Property.

200000 - 50000000 9.55 - 17.1%
Floating
0.50%
Fixed
12 - 60 Months Show Details   

What you'll love

    • No guarantor required                         
    •  No pre-closure and part payment fee   

Documents


    KYC Documents:

    • Loan Application

    • Passport sized Photographs - (3)

    • Identity Proof- ( Photocopy of the Voter’s ID card / Passport / Driving License/ Adhar Card / IT PAN Card )

    • Residence Proof-  (Passport/ Driving License/ Telephone Bill/ Ration Card /Election Card/Any other Certificate from Statutory Authority).

    •  Age Proof - (PAN Card/ Passport/ Any other Certificate from Statutory Authority)

    • Signature Proof - (Passport / PAN Card / Driving license / Bankers Verification / Registered Sale deed / Government Employee ID card )

    • Bank Statement /the Passbook - ( Last 6 months )


    For Self Employed Individuals (Partnership Firms / Private Limited Companies & Sole Proprietorships ):

    • Proof of Income :

    (a)    IT- Returns-(Last 3 years)

    (b)   Bank Statement - ( Last 6 months )  and 3 months of all other bank accounts mentioned in the Balance Sheet

    (c)    Balance Sheet - (Last 2 Years) and Profit & Loss Account of the firm


Fees & Charges



Eligibility Criteria


    • Loan Repayment track

    • Credit Performance / Credit Bureau Update

    • Debt servicing ability of the customer

    • Business Vintage

    • Financial Ratios

    • Existing relationship


Perks

    • E-approval
    • Part-payment available
    • No guarantor required
    • Balance transfer

Dena Bank:- Dena Bank, headquartered in Mumbai and its total branch network stands at 1,773. The bank was founded in 1938 and the Indian government nationalized it in 1969. Dena Bank was founded on 26 May 1938 by the family of Devkaran Nanjee under the name Devkaran Nanjee Banking Company. It adopted its new name, Dena Bank, when it incorporated as a public company in December 1939.

1000000 - 50000000 10.65 - 21%
Floating
2.5%
Fixed
12 - 60 Months Show Details   

What you'll love

    • No guarantor required 
    • Balance transfer 


Documents


    KYC Documents:

    • Loan Application

    • Passport sized Photographs - (3)

    • Identity Proof- ( Photocopy of the Voter’s ID card / Passport / Driving License/ Adhar Card / IT PAN Card )

    • Residence Proof-  (Passport/ Driving License/ Telephone Bill/ Ration Card /Election Card/Any other Certificate from Statutory Authority).

    •  Age Proof - (PAN Card/ Passport/ Any other Certificate from Statutory Authority)

    • Signature Proof - (Passport / PAN Card / Driving license / Bankers Verification / Registered Sale deed / Government Employee ID card )

    • Bank Statement /the Passbook - ( Last 6 months )


    For Self Employed Individuals (Partnership Firms / Private Limited Companies & Sole Proprietorships ):

    • Proof of Income :

    (a)    IT- Returns-(Last 3 years)

    (b)   Bank Statement - ( Last 6 months )  and 3 months of all other bank accounts mentioned in the Balance Sheet

    (c)    Balance Sheet - (Last 3 Years) and Profit & Loss Account of the firm


Fees & Charges



Eligibility Criteria


    • Applicants can be individuals, professionals, sole proprietorships, partnership firms and private limited companies (including closely-held public limited companies)


    • Applicants should be at least 23 years of age when the loan is sanctioned


    •   The minimum turnover per financial year should be as per the bank’s discretion in case of Proprietorship, Partnership Firm, Private Limited Companies, Limited Companies (closely held), Societies and Trusts


    • The minimum occupational stability for individuals and non-individuals is 5 years prior to the application of the loan and 4 years should have been spent in the current venture with a positive trend of returns


Perks

    • Part-payment available
    • Top-up loan available
    • No guarantor required
    • Balance transfer




Dhanalakshmi Bank:- Dhanlaxmi Bank Ltd is an old private sector bank headquartered in Thrissur City, Kerala, India. Dhanalakshmi Bank Ltd was incorporated on 14 November 1927 at Thrissur city,Kerala with a capital of ?11,000 and 7 employees. It became a Scheduled Commercial Bank in the year 1977. Today it has 280 branches and 398 ATMs spread over the states of Kerala, Tamil Nadu, Karnataka, Andhra Pradesh, Telangana, Maharashtra, Gujarat, Delhi, West Bengal, Madhya Pradesh, Punjab, Uttar Pradesh, Rajasthan, Chandigarh, Goa, and Haryana

50000 - 50000000 11.2 - 16.3%
Floating
2-3%
Fixed
12 - 48 Months Show Details   

What you'll love



Documents


    KYC Documents:

    • Loan Application

    • Passport sized Photographs - (3)

    • Identity Proof- ( Photocopy of the Voter’s ID card / Passport / Driving License/ Adhar Card / IT PAN Card )

    • Residence Proof-  (Passport/ Driving License/ Telephone Bill/ Ration Card /Election Card/Any other Certificate from Statutory Authority).

    •  Age Proof - (PAN Card/ Passport/ Any other Certificate from Statutory Authority)

    • Signature Proof - (Passport / PAN Card / Driving license / Bankers Verification / Registered Sale deed / Government Employee ID card )

    • Bank Statement /the Passbook - ( Last 6 months )


    For Self Employed Individuals (Partnership Firms / Private Limited Companies & Sole Proprietorships ):

    • Proof of Income :

    (a)    IT- Returns-(Last 3 years)

    (b)   Bank Statement - ( Last 6 months )  and 3 months of all other bank accounts mentioned in the Balance Sheet

    (c)    Balance Sheet - (Last 3 Years) and Profit & Loss Account of the firm


Fees & Charges

    • Preclosure fee = 0
    • Part payment fee = 0


Eligibility Criteria

    You are eligible if you are a Salaried individual,  self employed engineer, doctor, architect, chartered accountant, or a  MBA with minimum 2 years experience.


    Loan Amount

    Your personal loan limit would be determined by your income and repayment capacity.

    Minimum  :

    •   Rs.24,000/- is offered in metros and urban centres.

    •   Rs.10,000/- in rural/semi-urban centres

    Maximum : 12 times Net Monthly Income for salaried individuals and pensioners  subject to a ceiling of Rs.10 lacs in all centres


Perks

    • Door step service
    • E-approval
    • Part-payment available
    • Top-up loan available
    • No guarantor required
    • Balance transfer





State Bank Of India:- State Bank of India welcomes you to explore the world of premier bank in India. In this section, you can access detailed information on Overview of the Bank, Technology Upgradation in the Bank, Board of Directors, Financial Results and Shareholder Info. The Bank is actively involved since 1973 in non-profit activity called Community Services Banking. All our branches and administrative offices throughout the country sponsor and participate in large number of welfare activities and social causes. Our business is more than banking because we touch the lives of people anywhere in many ways. Our commitment to nation-building is complete & comprehensive