Indian विदेश अध्ययन Bank IOB महिला Plus (महिला MSME)
ऋण प्रदाता बैंक / संस्था: Indian Overseas Bank (IOB)
₹2 Lakh to ₹1 Crore MSME credit at 8.45% – 9.75% with Up to 7 years tenure.
💼उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Concessional credit scheme for women entrepreneurs with special interest waivers and no processing charges.
प्रमुख लाभ एवं व्यावसायिक विशेषताएं
0.50% interest concession; zero processing charges; quick sanction; handholding support.
📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)
व्यावसायिक पात्रता शर्तें
Women entrepreneurs managing MSME businesses.
जमानत / कोलेटरल आवश्यकता (Collateral)
At least 51% proprietary/equity ownership must be held by female promoter.
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)
At least 51% proprietary/equity ownership must be held by female promoter.
🚀आवेदन के चरण (How to Apply)
Apply online via business net banking or approach loan account manager.
Apply online at https://www.iob.in/iob-mahila-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 Indian Overseas Bank IOB Mahila Plus (Women MSME)?
Borrowers can avail ₹2 Lakh to ₹1 Crore with a repayment tenure of Up to 7 years.
What are the processing charges and collateral terms for Indian Overseas Bank IOB Mahila Plus (Women MSME)?
The processing fee is Nil processing fee. Collateral terms: At least 51% proprietary/equity ownership must be held by female promoter.
What are the eligibility criteria for Indian Overseas Bank IOB Mahila Plus (Women MSME)?
Women entrepreneurs managing MSME businesses. Minimum business vintage required is 0 year(s).
How can an applicant apply for Indian Overseas Bank IOB Mahila Plus (Women MSME)?
Apply online at https://www.iob.in/iob-mahila-plus or visit nearest branch with KYC, Udyam registration, and bank statements.