एयू स्मॉल फाइनेंस बैंक Secured व्यवसाय ऋण
ऋण प्रदाता बैंक / संस्था: AU Small Finance Bank
₹2 Lakh to ₹2 Crore MSME credit at 9.50% – 13.50% with Up to 10 years tenure.
💼उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Small finance bank business loan catering to semi-urban and Tier 2/3 markets with flexible surrogate underwriting.
प्रमुख लाभ एवं व्यावसायिक विशेषताएं
Specializes in customers without formal ITRs; assesses shop footfall and banking cash flows; long tenure up to 10 years.
📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)
व्यावसायिक पात्रता शर्तें
Self-employed micro-entrepreneurs, traders, and small workshops in semi-urban India.
जमानत / कोलेटरल आवश्यकता (Collateral)
Requires commercial, industrial, or residential property collateral.
प्रीपेमेंट एवं समय-पूर्व बंद करने के नियम (Prepayment Terms)
Zero prepayment penalty on floating rate loans as per regulatory norms
📂आवश्यक दस्तावेज (Required Documents)
Udyam Registration Certificate, PAN, Aadhaar, Last 2 years ITR and financial statements, 12 months GST returns, 6 months bank statement.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Caveats)
Requires commercial, industrial, or residential property collateral.
🚀आवेदन के चरण (How to Apply)
Apply online via business net banking or approach loan account manager.
Apply online at https://www.aubank.in/business-banking/loans/secured-business-loan with digital KYC and financial statements.
Visit nearest MSME branch of the institution with business registration and bank statements.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What is the maximum loan tenure and amount for AU Small Finance Bank Secured Business Loan?
Borrowers can avail ₹2 Lakh to ₹2 Crore with a repayment tenure of Up to 10 years.
What are the processing charges and collateral terms for AU Small Finance Bank Secured Business Loan?
The processing fee is 1.00% to 1.50% + GST. Collateral terms: Requires commercial, industrial, or residential property collateral.
What are the eligibility criteria for AU Small Finance Bank Secured Business Loan?
Self-employed micro-entrepreneurs, traders, and small workshops in semi-urban India. Minimum business vintage required is 1 year(s).
How can an applicant apply for AU Small Finance Bank Secured Business Loan?
Apply online at https://www.aubank.in/business-banking/loans/secured-business-loan or visit nearest branch with KYC, Udyam registration, and bank statements.