आईसीआईसीआई बैंक (ICICI) Bank MSME व्यवसाय ऋण (Secured एवं Unsecured)
ऋण प्रदाता बैंक / संस्था: ICICI Bank Ltd.
₹5 Lakh to ₹5 Crore MSME credit at 9.25% – 13.50% with Up to 7 years tenure.
💼उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Versatile business financing suite offering both collateral-free loans up to ₹50 Lakh and asset-backed credit up to ₹5 Crore.
प्रमुख लाभ एवं व्यावसायिक विशेषताएं
Fast digital in-principle sanction in 30 minutes; competitive rates; minimal documentation; flexible collateral options.
📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)
व्यावसायिक पात्रता शर्तें
Self-employed businessmen, service providers, and small industrial manufacturers.
जमानत / कोलेटरल आवश्यकता (Collateral)
Requires 2 years filed ITRs and clean banking track record.
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 2 years filed ITRs and clean banking track record.
🚀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/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 MSME Business Loan (Secured & Unsecured)?
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 ICICI Bank MSME Business Loan (Secured & Unsecured)?
The processing fee is 1.00% to 2.00% + GST. Collateral terms: Requires 2 years filed ITRs and clean banking track record.
What are the eligibility criteria for ICICI Bank MSME Business Loan (Secured & Unsecured)?
Self-employed businessmen, service providers, and small industrial manufacturers. Minimum business vintage required is 2 year(s).
How can an applicant apply for ICICI Bank MSME Business Loan (Secured & Unsecured)?
Apply online at https://www.icicibank.com/business-banking/loans/business-loan or visit nearest branch with KYC, Udyam registration, and bank statements.