Aye Finance क्लस्टर-Based सूक्ष्म उद्यम ऋण
ऋण प्रदाता बैंक / संस्था: Aye Finance Pvt. Ltd.
₹50,000 to ₹30 Lakh MSME credit at 12.50% – 19.00% with Up to 3 years tenure.
💼उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Specialized cluster-based lending evaluating informal manufacturing and trading units through grassroots field underwriting.
प्रमुख लाभ एवं व्यावसायिक विशेषताएं
Deep presence in micro-manufacturing clusters (shoe-making, lock manufacturing, brassware, textiles); no formal ITR needed.
📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)
व्यावसायिक पात्रता शर्तें
Micro-enterprise owners in recognized informal industrial clusters.
जमानत / कोलेटरल आवश्यकता (Collateral)
Higher interest rates; restricted to geographical enterprise clusters where Aye Finance operates.
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)
Higher interest rates; restricted to geographical enterprise clusters where Aye Finance operates.
🚀आवेदन के चरण (How to Apply)
Apply online via business net banking or approach loan account manager.
Apply online at https://www.ayefin.com/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 Aye Finance Cluster-Based Micro Enterprise Loan?
Borrowers can avail ₹50,000 to ₹30 Lakh with a repayment tenure of Up to 3 years.
What are the processing charges and collateral terms for Aye Finance Cluster-Based Micro Enterprise Loan?
The processing fee is 2.00% + GST. Collateral terms: Higher interest rates; restricted to geographical enterprise clusters where Aye Finance operates.
What are the eligibility criteria for Aye Finance Cluster-Based Micro Enterprise Loan?
Micro-enterprise owners in recognized informal industrial clusters. Minimum business vintage required is 1 year(s).
How can an applicant apply for Aye Finance Cluster-Based Micro Enterprise Loan?
Apply online at https://www.ayefin.com/business-loan/ or visit nearest branch with KYC, Udyam registration, and bank statements.