MSME- Business Loan

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Policy Features:
Loan Amount Min Loan – INR 1 Lakhs
Max Loan - INR 10 Lakhs+5% of insurance
Age Norms (In Years) Income Considered Applicant:
Min Age – 23; Max Age – 65
Non-Income applicant:
Min Age -18; Max Age – 75
Business Vintage in same  3 years of Residence and/or office are owned
business  5 years of Residence and office both are owned
Tenor Min-12 months
Max (Up to) – 48 months
Residence and Office Stability Residence stability: 1 year if rented, Nil – if owned
Office premises stability: 1 year if rented, 6 month – if owned

Banking Norms:
Bank Accounts  Current account and Saving Bank Account only
 Saving Bank Account for individuals and
proprietorships only
 OD/CC accounts not allowed
Number of Bank Accounts  Two Accounts
 Combination of Current Account and Saving Bank
Accounts- only for individuals and proprietorships
Vintage of Bank Account Min of 6 months old
EMI Bounces No EMI bounces in the last 3 months
Bounces  Inward – up to 2% or 3 bounces whichever is higher
 Outward- up to 3% or 10 bounces whichever is higher
No: Debits and Credits per  <=INR 5 Lakh Loan – Min of 2
month  >5 Lakh Loan- Min of 4
Income Documents Latest 6 months bank statement to be documented
 Login up to 10th of the month- Till end of the month
prior to previous month
 Login from 11th onwards- Till end of previous month

Eligibility Calculation
Eligibility to be worked based on the CIBIL score of income considered applicant.
 CIBIL Score Band ABB to EMI Ratio
-1 or <680 2.5 times
>=680 and <730 2.0 times
>=730 1.5 times

Greetings from "RD Finance Services"

RD Finance Services Deal in all types of loans

· Loan against property (LAP);

· Project Funding;

· Business Loan;

· Overdraft- Cash Credit;

· Loan against Rental Discounting;

· Home Loan;

· Personal Loan.

For more information, you can reach me via @ or call

@https://rdfinanceservices.wordpress.com/9891235790 or connect via email  @
delhireal009@gmail.com.

Thank you for your continued patronage!

Best regards,

Rajesh Kumar

Mob.no. 9891235790

Email Id: delhireal009@gmail.com