Frequently Asked Questions

What is MSME Secured Loan?

MSME Secured Loans – Powering Your Business Growth

Micro, Small and Medium Enterprises often need funding that matches their evolving business needs. Whether you’re introducing a new product line, expanding into fresh markets, upgrading technology, building additional capacity, or strengthening working capital, our Secured MSME Loans are built to help you grow confidently.

By leveraging the value locked in your residential, commercial or industrial property, you can access affordable, high-value loans designed specifically for entrepreneurs and small businesses. With our pan-India network and quick turnaround, you get a smooth borrowing experience from start to finish.

Why Choose Our Secured MSME Loans?

Loans tailored to MSMEs across manufacturing, trading, and services sectors

High loan amounts against self-owned property in urban and semi-urban areas

Flexible repayment terms with transparent processes

Funding available for a wide range of business needs — expansion, working capital, infrastructure, equipment purchase, marketing and more

Who Can Apply?

We extend secured loans to:

Small shop owners and petty traders

Wholesalers and distributors

Small and micro manufacturing units

Service-based micro enterprises

Farm equipment dealers

Self-employed professionals such as doctors, architects, consultants

Purpose of Loan Against Property

Funds availed can be used for:

Business expansion or diversification

Upgrading plant, machinery or technology

Building or refurbishing business premises

Working capital requirements

Any legitimate personal need (excluding speculative or restricted uses)

How Eligibility Is Determined

Your borrowing limit is assessed based on your repayment capacity, which may include:

Business income and cash flow

Age and qualifications

Credit history and existing liabilities

Additional income sources such as spouse’s earnings

Key Features & Benefits

Loan amounts up to ₹30 Lakhs

Tenure typically ranging from 5 to 12 years (up to 15 years in select cases)

Hassle-free application process with end-to-end guidance

Flexible repayment options and transparent charges

Dedicated relationship managers for support

Security Requirements

Primary security: first charge on the mortgaged property through deposit of title deeds

Collateral, if required, as per loan policy

Property must have clear, marketable title and be free from encumbrances or legal disputes

Disbursement

Loan proceeds are credited directly to your operating bank account after completion of documentation and approvals.

Loan Tenure

Loans are offered for up to 15 years, subject to the borrower’s age not exceeding 70 years at loan maturity.

Repayment Schedule

Repayment begins the month following the disbursement. EMIs can be paid through:

Electronic Clearing Service (ECS)

Post-Dated Cheques (CTS compliant)

Prepayment & Foreclosure

You may choose to prepay or foreclose your loan before the agreed term by paying a nominal fee as per prevailing policy.

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