एलिगो (Eligo) सरकारी योजनाओं की खोज हेतु भारत का स्वतंत्र नागरिक सूचना मंच है — किसी भी सरकारी निकाय से संबद्ध नहीं।

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गैर-बैंकिंग वित्तीय कंपनी (NBFC)मियादी ऋण (Term Loan)✓ CGTMSE / Bank Guarantee / Normal Securityसत्यापित: 2026-09-29 (180-दिवसीय SLA)

Cholamandalam MSME व्यवसाय Finance

ऋण प्रदाता बैंक / संस्था: Cholamandalam Investment & Finance Co.

₹5 Lakh to ₹5 Crore MSME credit at 9.75% – 14.00% with Up to 7 years tenure.

अधिकतम ऋण राशि₹5 Lakh to ₹5 Crore
ब्याज दर9.75% – 14.00%
पुनर्भुगतान अवधिUp to 7 years
प्रोसेसिंग शुल्क1.25% + GST

💼उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)

उत्पाद का संक्षिप्त विवरण

Asset-backed and turnover-based lending by Murugappa Group's financial services arm across Tier 2 and Tier 3 India.

प्रमुख लाभ एवं व्यावसायिक विशेषताएं

Deep regional underwriting expertise; customized loans for light engineering, transport, and trading units.

📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)

व्यावसायिक पात्रता शर्तें

SME entrepreneurs with clear business operations.

जमानत / कोलेटरल आवश्यकता (Collateral)

Requires immovable property or machinery as 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 immovable property or machinery as collateral.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

Apply online via business net banking or approach loan account manager.

2. नए उद्यमी (ऑनलाइन):

Apply online at https://www.cholamandalam.com/sme-loans with digital KYC and financial statements.

3. बैंक शाखा में जाकर:

Visit nearest MSME branch of the institution with business registration and bank statements.

आधिकारिक आवेदन पोर्टल पर जाएंआधिकारिक MITC दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

What is the maximum loan tenure and amount for Cholamandalam MSME Business Finance?

Borrowers can avail ₹5 Lakh to ₹5 Crore with a repayment tenure of Up to 7 years.

What are the processing charges and collateral terms for Cholamandalam MSME Business Finance?

The processing fee is 1.25% + GST. Collateral terms: Requires immovable property or machinery as collateral.

What are the eligibility criteria for Cholamandalam MSME Business Finance?

SME entrepreneurs with clear business operations. Minimum business vintage required is 2 year(s).

How can an applicant apply for Cholamandalam MSME Business Finance?

Apply online at https://www.cholamandalam.com/sme-loans or visit nearest branch with KYC, Udyam registration, and bank statements.