Grow Beyond Excellence!

With An Exclusive Loan Scheme for Professionals.

Scheme For Professionals

  • Terms and Conditions
  • Interest Rates and Charges

Scheme For Professionals : Terms and Conditions


Professionals in any discipline:

  • Should possess a professional degree (recognized university)
  • Minimum ITR - taxable income of Rs. 2.5 lakhs
  • Minimum experience of 3 years in their respective fields. In case of CA/CS/ ICWA 3 years from the date of certificate of practice
  • Minimum bureau score of 700

  • WC requirement
  • Purchase of equipment (expanding/renovating)
  • For construction of office premises on self-owned land
  • For acquisition of ready built new office premises
  • NFB facilities

Age of the borrower
  • Minimum age – 21 years
  • Maximum age - 65 years at the time of maturity of loan

Nature of Facility
  • Term loan/demand loan/cash credit/non-fund based facilities

  • Minimum: For Rural and Semi Urban areas: Rs 5.00 Lakhs and For Urban and Metro areas: Rs. 10.00 Lakhs
  • Maximum: Rs. 5.00 crores

  • For Term Loan: Maximum 84 installments including Moratorium period. Interest to be served every month.
  • Working Capital-to be renewed every year.

  • For Cash Credit:
    1. 25% against stocks & book debts up to 90 days only
  • For Term Loan/Demand Loan:
    1. 30% on land and building
    2. 25% on plant and machinery(new)
  • For Non-Fund Based Limits:
    1. Cash margin on guarantee and L/C facility – 20% minimum

Scheme For Professionals : Interest Rates and Charges

Competitive pricing linked to repo rate/MCLR.

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