भारतीय स्टेट बैंक (SBI) संपत्ति-समर्थित व्यापार ऋण (एसेट बैक्ड)
ऋण प्रदाता बैंक / संस्था: State Bank of India (SBI)
₹10 Lakh to ₹20 Crore MSME credit at 8.90% – 10.75% with Up to 10 years tenure.
💼उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Term loan or cash credit facility secured by commercial or residential real estate, offering flexible usage for business expansion.
प्रमुख लाभ एवं व्यावसायिक विशेषताएं
High loan quantum up to ₹20 Crore; long repayment tenure up to 120 months; competitive pricing; multi-purpose business usage.
📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)
व्यावसायिक पात्रता शर्तें
SME entrepreneurs with clear marketable property collateral.
जमानत / कोलेटरल आवश्यकता (Collateral)
Requires clear mortgageable commercial, industrial, or residential real estate with LTV restricted to 60%–70%.
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 clear mortgageable commercial, industrial, or residential real estate with LTV restricted to 60%–70%.
🚀आवेदन के चरण (How to Apply)
Apply online via business net banking or approach loan account manager.
Apply online at https://sbi.co.in/web/business/sme/sme-loans/asset-backed-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 SBI Asset Backed Loan for Business?
Borrowers can avail ₹10 Lakh to ₹20 Crore with a repayment tenure of Up to 10 years.
What are the processing charges and collateral terms for SBI Asset Backed Loan for Business?
The processing fee is 0.50% to 1.00% + GST. Collateral terms: Requires clear mortgageable commercial, industrial, or residential real estate with LTV restricted to 60%–70%.
What are the eligibility criteria for SBI Asset Backed Loan for Business?
SME entrepreneurs with clear marketable property collateral. Minimum business vintage required is 1 year(s).
How can an applicant apply for SBI Asset Backed Loan for Business?
Apply online at https://sbi.co.in/web/business/sme/sme-loans/asset-backed-loan or visit nearest branch with KYC, Udyam registration, and bank statements.