बजाज फिनसर्व MSME ऋण (Flexi ऋण Facility)
ऋण प्रदाता बैंक / संस्था: Bajaj Finance Ltd. (Bajaj Finserv)
₹5 Lakh to ₹80 Lakh MSME credit at 11.00% – 16.00% with Up to 8 years tenure.
💼उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Industry-leading Flexi Loan facility allowing multiple withdrawals and prepayments with interest charged solely on utilized amounts.
प्रमुख लाभ एवं व्यावसायिक विशेषताएं
Flexi Loan facility reduces monthly EMI burden by up to 45%; 24-hour approval; zero physical collateral.
📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)
व्यावसायिक पात्रता शर्तें
Self-employed professionals, traders, and manufacturing units with minimum 3 years vintage.
जमानत / कोलेटरल आवश्यकता (Collateral)
Higher interest rates compared to PSU bank loans; requires minimum CIBIL score of 720.
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 compared to PSU bank loans; requires minimum CIBIL score of 720.
🚀आवेदन के चरण (How to Apply)
Apply online via business net banking or approach loan account manager.
Apply online at https://www.bajajfinserv.in/msme-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 Bajaj Finserv MSME Loan (Flexi Loan Facility)?
Borrowers can avail ₹5 Lakh to ₹80 Lakh with a repayment tenure of Up to 8 years.
What are the processing charges and collateral terms for Bajaj Finserv MSME Loan (Flexi Loan Facility)?
The processing fee is 1.50% to 2.50% + GST. Collateral terms: Higher interest rates compared to PSU bank loans; requires minimum CIBIL score of 720.
What are the eligibility criteria for Bajaj Finserv MSME Loan (Flexi Loan Facility)?
Self-employed professionals, traders, and manufacturing units with minimum 3 years vintage. Minimum business vintage required is 3 year(s).
How can an applicant apply for Bajaj Finserv MSME Loan (Flexi Loan Facility)?
Apply online at https://www.bajajfinserv.in/msme-loan or visit nearest branch with KYC, Udyam registration, and bank statements.