आईसीआईसीआई बैंक (ICICI) InstaBIZ स्वच्छ ओवरड्राफ्ट सुविधा (Unsecured OD तक से ₹50L)
ऋण प्रदाता बैंक / संस्था: ICICI Bank Ltd.
₹5 Lakh to ₹50 Lakh MSME credit at 9.50% – 13.00% with Up to 12 months tenure.
💼उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Pre-approved digital overdraft with zero collateral sanctioned directly inside the ICICI InstaBIZ banking application.
प्रमुख लाभ एवं व्यावसायिक विशेषताएं
Instant digital setup; zero collateral or branch visit; pay interest strictly on funds utilized; draw funds anytime.
📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)
व्यावसायिक पात्रता शर्तें
Current account holders with minimum 12 months active banking history.
जमानत / कोलेटरल आवश्यकता (Collateral)
Strictly available to eligible ICICI Bank current account holders based on automated algorithm evaluation.
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)
Strictly available to eligible ICICI Bank current account holders based on automated algorithm evaluation.
🚀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/instabiz-overdraft 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 InstaBIZ Clean Overdraft (Unsecured OD up to ₹50L)?
Borrowers can avail ₹5 Lakh to ₹50 Lakh with a repayment tenure of Up to 12 months.
What are the processing charges and collateral terms for ICICI InstaBIZ Clean Overdraft (Unsecured OD up to ₹50L)?
The processing fee is 1.00% + GST. Collateral terms: Strictly available to eligible ICICI Bank current account holders based on automated algorithm evaluation.
What are the eligibility criteria for ICICI InstaBIZ Clean Overdraft (Unsecured OD up to ₹50L)?
Current account holders with minimum 12 months active banking history. Minimum business vintage required is 1 year(s).
How can an applicant apply for ICICI InstaBIZ Clean Overdraft (Unsecured OD up to ₹50L)?
Apply online at https://www.icicibank.com/business-banking/loans/instabiz-overdraft or visit nearest branch with KYC, Udyam registration, and bank statements.