आईसीआईसीआई बैंक (ICICI) Bank GST-Backed व्यवसाय ओवरड्राफ्ट सुविधा
ऋण प्रदाता बैंक / संस्था: ICICI Bank Ltd.
₹10 Lakh to ₹5 Crore MSME credit at 9.00% – 11.50% with Up to 12 months tenure.
💼उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Working capital overdraft limit assessed seamlessly from customer's GST returns data without physical financial statement audits.
प्रमुख लाभ एवं व्यावसायिक विशेषताएं
Sanctioned based on GST return cash flow; up to 25% of annual turnover; revolving credit facility.
📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)
व्यावसायिक पात्रता शर्तें
Registered GST entities with annual turnover exceeding ₹50 Lakh.
जमानत / कोलेटरल आवश्यकता (Collateral)
Requires minimum 12 months regular GSTR-3B filings without tax arrears.
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 minimum 12 months regular GSTR-3B filings without tax arrears.
🚀आवेदन के चरण (How to Apply)
Apply online via business net banking or approach loan account manager.
Apply online at https://www.icicibank.com/business-banking/loans/gst-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 ICICI Bank GST-Backed Business Overdraft?
Borrowers can avail ₹10 Lakh to ₹5 Crore with a repayment tenure of Up to 12 months.
What are the processing charges and collateral terms for ICICI Bank GST-Backed Business Overdraft?
The processing fee is 0.75% + GST. Collateral terms: Requires minimum 12 months regular GSTR-3B filings without tax arrears.
What are the eligibility criteria for ICICI Bank GST-Backed Business Overdraft?
Registered GST entities with annual turnover exceeding ₹50 Lakh. Minimum business vintage required is 1 year(s).
How can an applicant apply for ICICI Bank GST-Backed Business Overdraft?
Apply online at https://www.icicibank.com/business-banking/loans/gst-business-loan or visit nearest branch with KYC, Udyam registration, and bank statements.