Most small-business loan processes lose weeks in queues and repeated document requests. Ours is designed so that you know the stage, the owner and the next step at all times.
Submit the enquiry form on this site or call your nearest branch. Takes about six minutes.
A relationship officer visits your business, verifies operations and collects documents.
Credit appraisal on cash flow and viability. You receive a Key Facts Statement with exact terms.
Sign, and funds are transferred to your business account. Repayment begins as agreed.
Tell us what you need and why. There is no fee to apply and asking does not affect your credit score.
Missing a registration certificate does not disqualify you. Ask your officer what alternative proof we can accept.
The officer visits your shop, workshop or unit — not to look for paperwork, but to understand the business. They note the stock on the shelf, the machines running, the orders on the board and the season your turnover peaks.
This visit is the single most important part of the process, and it is the reason a file declined elsewhere gets a second look.
Our credit team sizes the facility against observed turnover, existing liabilities and realistic margins — not a template. You then receive a written Key Facts Statement showing the sanctioned amount, rate, tenure, every fee and the total amount repayable.
You get a three-day cooling-off period to review and exit without any cost if the terms no longer suit you.
After you sign the agreement, funds are credited directly to your business account — never handed over in cash. Your relationship manager stays assigned for the life of the loan.
Repayments are collected as per your schedule through the same channel. If cash flow tightens, talk to us before it becomes overdue; restructuring is possible and is preferable to enforcement.
Business days from the point where the previous stage is complete.
| Stage | What happens | Indicative time |
|---|---|---|
| Enquiry to callback | Officer assigned and requirement discussed | Same working day |
| Document collection | KYC, business proof and bank statements gathered | 1 – 3 days |
| Field verification | In-person visit and observation report | 1 day |
| Credit appraisal & sanction | Assessment, approval and KFS issued | 24 – 48 hours |
| Cooling-off period | Borrower’s review window before commitment | 3 days |
| Agreement & disbursal | Documentation, signing and fund transfer | 1 – 2 days |
A business that falls behind usually faces a temporary problem. Our recovery and restructuring practice is designed to give a viable enterprise room to recover.
Contact your branch immediately. A short extension or a rescheduled EMI is usually possible. Persistent avoidance is what turns a manageable problem into a recovery problem, and it is the single biggest factor in how seriously we treat a file.
Request a restructuring review. Depending on the situation we may offer a tenure extension, a temporary moratorium on principal, or a revised instalment structure aligned to a realistic recovery path.
Part or full prepayment is permitted. A foreclosure charge may apply as specified in your Key Facts Statement, and it is disclosed before you borrow — not afterwards.
Raise it first with your relationship manager, then with the branch manager. If it is not resolved, the Principal Nodal Officer for grievance redressal can be reached through the channels on our Disclosures page.
The form takes a few minutes and commits you to nothing. A named relationship manager will call you the same working day.
