Frequently Asked Questions
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.
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
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
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)
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
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
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
Loan proceeds are credited directly to your operating bank account after completion of documentation and approvals.
Loans are offered for up to 15 years, subject to the borrower’s age not exceeding 70 years at loan maturity.
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.
