बैंक ऑफ इंडिया Star SME Liquid Plus
ऋण प्रदाता बैंक / संस्था: Bank of India
₹10 Lakh to ₹5 Crore MSME credit at 8.75% – 10.35% with Up to 12 months (Renewable) tenure.
💼उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Flexible overdraft facility against commercial or residential property allowing MSMEs to draw funds as working capital.
प्रमुख लाभ एवं व्यावसायिक विशेषताएं
Flexible withdrawals; interest charged only on utilized amount; overdraft limit renewed annually.
📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)
व्यावसायिक पात्रता शर्तें
Commercial business enterprises with mortgageable real estate.
जमानत / कोलेटरल आवश्यकता (Collateral)
Requires mortgage of immovable urban property with clear title.
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 mortgage of immovable urban property with clear title.
🚀आवेदन के चरण (How to Apply)
Apply online via business net banking or approach loan account manager.
Apply online at https://bankofindia.co.in/star-sme-liquid-plus 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 Bank of India Star SME Liquid Plus?
Borrowers can avail ₹10 Lakh to ₹5 Crore with a repayment tenure of Up to 12 months (Renewable).
What are the processing charges and collateral terms for Bank of India Star SME Liquid Plus?
The processing fee is 0.50% + GST. Collateral terms: Requires mortgage of immovable urban property with clear title.
What are the eligibility criteria for Bank of India Star SME Liquid Plus?
Commercial business enterprises with mortgageable real estate. Minimum business vintage required is 2 year(s).
How can an applicant apply for Bank of India Star SME Liquid Plus?
Apply online at https://bankofindia.co.in/star-sme-liquid-plus or visit nearest branch with KYC, Udyam registration, and bank statements.