Guaranteed Instalment Loan (GIL)

Put your business on an upward graph with business loans backed with credit guarantee.

• Loans^# of up to INR 1.25 Cr
• Attractive interest rate of 14% p.a.
• Loans with tenure up to 5 years
• Backed with credit guarantee by Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)

^#Credit at the sole discretion of Standard Chartered Bank

Loan Against Property (LAP)

Support your business needs by making the most of your residential or commercial property.

• Secured loans^# of up to INR 20 Crores for up to 20 years
• Loans against residential and commercial properties
• Lease Rental Discounting facility with only rental-based eligibility assessment for up to INR 10 Crores
• LAP Saver facility to save on interest
• Loan for purchase of commercial property

^#Credit at the sole discretion of Standard Chartered Bank

Current Account (CA)

Enjoy a range of current account variants customized to suit your business needs. 

• Account tailor-made for domestic, international trade and foreign exchange transactions with more convenience and preferential pricing as throughput routed through the account increases
• Dynamic pricing based on monthly usage across current account variants
• International Business Debit Card: A world class banking experience on the Visa Infinite platform with customized offers, including access to over 1 million ATMs worldwide
• Straight2Bank - a fully-integrated digital banking platform to help you transact 24x7
• Comprehensive range of cash management solutions for SMEs

Business Working Capital (BWC)

Scale up your business with flexible overdrafts, short-term loans, trade finances and foreign exchange hedging with our one-stop solution.

• Facility limits of up to INR 20 Crores across overdraft
• Overdraft of up to 90% of property value, overall Loan to Value of 130% across all fund-based and non-fund based facilities
• Simplified rule-based assessment approach basis GST statements and property value
• Offering facility against residential / commercial properties and FD

Trade/Fx

Trade internationally with the best-in-class real-time Forex rates, easy issuance of Letters of Credit, Bank Guarantees and much more.

• Best-in-class real-time Forex rates
• Multi-currency Forex card and International Visa Infinite business debit card
• Pre and post shipment credit in INR and FCY
• Dedicated treasury specialist and trade advisor
• Ease in handling export and import bills (advance/collection/direct)
• Easy issuance of Letters of Credit and Bank Guarantees

Investment & Insurance

Get expert investment insights that will help you take the right decisions for your business growth. Find a single, easy-to-manage insurance that protects against the key risks that businesses face and offers the right kind of business security.

Features:

Investments:

• Mutual funds from over 15 fund-houses to help you grow your wealth
• Benefit from our in-house research with exhaustive insights on market,asset classes and currencies
• Expertise recognised by the industry – winner of CNBC Financial Advisor Awards for 7 years in a row (Best Foreign Bank)

Insurance:

• Plans that protect your business against fire and allied perils, burglary, fidelity and public liability
• Employee protection with options like Group Health and Group Personal Accident plans, Employer-Employee insurance

S2B (Straight2Bank)

Managing your business is now effortless with our fully-integrated digital Business Banking platform. Focus on your business growth while one platform takes care of your key business functions.

Features:

• Issue cheques and online DD anywhere
• Multi-user access for business partners
• Comprehensive set of customizable reports
• Process multiple RTGS transactions in a single click
• Best-in-class security
• Seamlessly integrated across client ERPs

Frequently Asked Questions

• What is Loan against Property (LAP)?
  A multi-purpose loan at very attractive rates. A loan which can be taken against your owned residential or commercial property, or to purchase commercial property.
• How much loan can I avail and in which locations?
• Who is eligible for a Loan against Property (LAP)?
• What are the basic documents required for applying for the facility?
• What are the benefits for an existing customer?
• What are the variants available under Loan against Property (LAP)?
• What is Business Instalment Loan (BIL)?
• How much Business Instalment loan can I avail and in which locations?
• Who is eligible for a Business Instalment loan (BIL)?
• What are the basic documents required for applying for the facility?
• What are the benefits for an existing customer?
• What are the variants available under Business Instalment loan (BIL)?
• For whom is the loan / overdraft against property useful?
• What is the minimum and maximum annual turnover eligibility for Business Working Capital Loan?
• What is the maximum loan amount offered on a loan / overdraft against property?
• Do I need to have an account with the Bank?
• What are the variants available under Business working capital (BWC)?
• What is a Business Essential Account?
• What are the key features of a Business Essential Account?
• How does the Business Essential Account (BEA) work?
• What is dynamic pricing?
• Which entities are eligible for a Business Essential Account offering?
• What is a Smart Business Account?
• What are the key features of a Smart Business Account?
• What are the variants under a Smart Business Account?
• What accounts for Business Credit Transactions?
• How will I know my Pricing Tier?
• What is an International trade Account (ITA)?
• What are the key features of an ITA?
• What are the variants under an ITA?
• What does fungibility option mean?
• Which entities are suited for a ITA offering?