यूनियन बैंक ऑफ इंडिया का भारत Union MSME Suvidha
ऋण प्रदाता बैंक / संस्था: Union Bank of India
₹10 Lakh to ₹5 Crore MSME credit at 8.65% – 10.20% with Up to 7 years tenure.
💼उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Flagship MSME financing scheme of Union Bank of India providing composite loans for plant and working capital.
प्रमुख लाभ एवं व्यावसायिक विशेषताएं
Unified term loan and working capital sanction; competitive EBLR rate; concessions for women entrepreneurs.
📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)
व्यावसायिक पात्रता शर्तें
Manufacturing and service MSMEs with viable project plan.
जमानत / कोलेटरल आवश्यकता (Collateral)
Requires statutory Udyam registration and clean credit bureau track.
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 statutory Udyam registration and clean credit bureau track.
🚀आवेदन के चरण (How to Apply)
Apply online via business net banking or approach loan account manager.
Apply online at https://www.unionbankofindia.co.in/english/union-msme-suvidha.aspx 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 Union Bank of India Union MSME Suvidha?
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 Union Bank of India Union MSME Suvidha?
The processing fee is 0.40% + GST. Collateral terms: Requires statutory Udyam registration and clean credit bureau track.
What are the eligibility criteria for Union Bank of India Union MSME Suvidha?
Manufacturing and service MSMEs with viable project plan. Minimum business vintage required is 1 year(s).
How can an applicant apply for Union Bank of India Union MSME Suvidha?
Apply online at https://www.unionbankofindia.co.in/english/union-msme-suvidha.aspx or visit nearest branch with KYC, Udyam registration, and bank statements.