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

Eligo
हिन्दी
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सार्वजनिक क्षेत्र का बैंक (PSU Bank)मियादी ऋण (Term Loan)✓ CGTMSE / Bank Guarantee / Normal Securityसत्यापित: 2026-09-29 (180-दिवसीय SLA)

Indian विदेश अध्ययन Bank MSME क्लस्टर Finance

ऋण प्रदाता बैंक / संस्था: Indian Overseas Bank (IOB)

₹10 Lakh to ₹5 Crore MSME credit at 8.65% – 10.20% with Up to 7 years tenure.

अधिकतम ऋण राशि₹10 Lakh to ₹5 Crore
ब्याज दर8.65% – 10.20%
पुनर्भुगतान अवधिUp to 7 years
प्रोसेसिंग शुल्क0.50% + GST

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

उत्पाद का संक्षिप्त विवरण

Specialized cluster lending product designed for textile, leather, engineering, and auto-ancillary industrial hubs.

प्रमुख लाभ एवं व्यावसायिक विशेषताएं

Tailored terms matching specific industrial cluster cash flow cycles; composite credit limits.

📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)

व्यावसायिक पात्रता शर्तें

MSME units operating within recognized industrial clusters.

जमानत / कोलेटरल आवश्यकता (Collateral)

Requires unit to be situated in designated industrial cluster/industrial estate.

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 unit to be situated in designated industrial cluster/industrial estate.

🚀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.iob.in/msme-cluster 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 Indian Overseas Bank MSME Cluster Finance?

Borrowers can avail ₹10 Lakh to ₹5 Crore with a repayment tenure of Up to 7 years.

What are the processing charges and collateral terms for Indian Overseas Bank MSME Cluster Finance?

The processing fee is 0.50% + GST. Collateral terms: Requires unit to be situated in designated industrial cluster/industrial estate.

What are the eligibility criteria for Indian Overseas Bank MSME Cluster Finance?

MSME units operating within recognized industrial clusters. Minimum business vintage required is 1 year(s).

How can an applicant apply for Indian Overseas Bank MSME Cluster Finance?

Apply online at https://www.iob.in/msme-cluster or visit nearest branch with KYC, Udyam registration, and bank statements.