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

Eligo
हिन्दी
Englishenहिन्दीhiதமிழ்taతెలుగుteमराठीmrবাংলাbn
गैर-बैंकिंग वित्तीय कंपनी (NBFC)कार्यशील पूंजी ऋण (Working Capital)✓ CGTMSE / Bank Guarantee / Normal Securityसत्यापित: 2026-09-29 (180-दिवसीय SLA)

Protium MSME कार्यशील पूंजी ऋण (वर्किंग कैपिटल) ऋण

ऋण प्रदाता बैंक / संस्था: Protium Finance Ltd.

₹3 Lakh to ₹5 Crore MSME credit at 10.50% – 15.00% with Up to 5 years tenure.

अधिकतम ऋण राशि₹3 Lakh to ₹5 Crore
ब्याज दर10.50% – 15.00%
पुनर्भुगतान अवधिUp to 5 years
प्रोसेसिंग शुल्क1.50% + GST

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

उत्पाद का संक्षिप्त विवरण

Engineering-driven MSME lending platform providing secured and unsecured business finance tailored to regional cash cycles.

प्रमुख लाभ एवं व्यावसायिक विशेषताएं

Fast underwriting via regional hub network; customized loan structures; flexible collateral criteria.

📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)

व्यावसायिक पात्रता शर्तें

SME business owners with active GST and commercial setup.

जमानत / कोलेटरल आवश्यकता (Collateral)

Requires minimum 2 years continuous commercial operations.

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 2 years continuous commercial operations.

🚀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.protium.co.in/business-loan 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 Protium MSME Working Capital Loan?

Borrowers can avail ₹3 Lakh to ₹5 Crore with a repayment tenure of Up to 5 years.

What are the processing charges and collateral terms for Protium MSME Working Capital Loan?

The processing fee is 1.50% + GST. Collateral terms: Requires minimum 2 years continuous commercial operations.

What are the eligibility criteria for Protium MSME Working Capital Loan?

SME business owners with active GST and commercial setup. Minimum business vintage required is 2 year(s).

How can an applicant apply for Protium MSME Working Capital Loan?

Apply online at https://www.protium.co.in/business-loan or visit nearest branch with KYC, Udyam registration, and bank statements.