यूनियन बैंक ऑफ इंडिया Union व्यापार ऋण के लिए व्यावसायिक Traders
ऋण प्रदाता बैंक / संस्था: Union Bank of India
₹2 Lakh to ₹2 Crore MSME credit at 8.75% – 10.50% with Up to 5 years tenure.
💼उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Hassle-free overdraft facility for traders, distributors, commission agents, and retail shops.
प्रमुख लाभ एवं व्यावसायिक विशेषताएं
Smooth overdraft operation; allows seasonal spikes; simple stock declaration norms.
📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)
व्यावसायिक पात्रता शर्तें
Retail and wholesale commercial traders with 1+ year operations.
जमानत / कोलेटरल आवश्यकता (Collateral)
Requires commercial shop and establishment certificate or trade license.
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 commercial shop and establishment certificate or trade license.
🚀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-trade.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 Union Trade Loan for Commercial Traders?
Borrowers can avail ₹2 Lakh to ₹2 Crore with a repayment tenure of Up to 5 years.
What are the processing charges and collateral terms for Union Bank Union Trade Loan for Commercial Traders?
The processing fee is 0.50% + GST. Collateral terms: Requires commercial shop and establishment certificate or trade license.
What are the eligibility criteria for Union Bank Union Trade Loan for Commercial Traders?
Retail and wholesale commercial traders with 1+ year operations. Minimum business vintage required is 1 year(s).
How can an applicant apply for Union Bank Union Trade Loan for Commercial Traders?
Apply online at https://www.unionbankofindia.co.in/english/union-trade.aspx or visit nearest branch with KYC, Udyam registration, and bank statements.