सिडबी (SIDBI) SPEED योजना (ऋण Sanction within 48 Hours)
ऋण प्रदाता बैंक / संस्था: Small Industries Development Bank of India (SIDBI)
₹25 Lakh to ₹2 Crore MSME credit at 8.25% – 9.50% (Concessional SIDBI direct lending) with Up to 5 years (with 6 months moratorium) tenure.
💼उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Direct lending scheme by SIDBI guaranteeing loan sanction within 48 hours for purchase of new machinery from verified OEMs.
प्रमुख लाभ एवं व्यावसायिक विशेषताएं
Sanction within 48 hours; 100% financing based on OEM quotations; competitive rates direct from SIDBI; minimal documentation.
📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)
व्यावसायिक पात्रता शर्तें
Manufacturing MSMEs with 3 years operational history purchasing new machinery from standard OEMs.
जमानत / कोलेटरल आवश्यकता (Collateral)
Requires unit to be in commercial operation for at least 3 years with profitable track record and CIBIL score ≥ 700.
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 in commercial operation for at least 3 years with profitable track record and CIBIL score ≥ 700.
🚀आवेदन के चरण (How to Apply)
Apply online via business net banking or approach loan account manager.
Apply online at https://www.sidbi.in/en/products-and-services/direct-lending/speed 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 SIDBI SPEED Scheme (Loan Sanction within 48 Hours)?
Borrowers can avail ₹25 Lakh to ₹2 Crore with a repayment tenure of Up to 5 years (with 6 months moratorium).
What are the processing charges and collateral terms for SIDBI SPEED Scheme (Loan Sanction within 48 Hours)?
The processing fee is 0.25% to 0.50% + GST. Collateral terms: Requires unit to be in commercial operation for at least 3 years with profitable track record and CIBIL score ≥ 700.
What are the eligibility criteria for SIDBI SPEED Scheme (Loan Sanction within 48 Hours)?
Manufacturing MSMEs with 3 years operational history purchasing new machinery from standard OEMs. Minimum business vintage required is 3 year(s).
How can an applicant apply for SIDBI SPEED Scheme (Loan Sanction within 48 Hours)?
Apply online at https://www.sidbi.in/en/products-and-services/direct-lending/speed or visit nearest branch with KYC, Udyam registration, and bank statements.