Loan against Property

Products

Business Instalment Loan (BIL)

Collateral free loans of up to INR 100 lakhs for 4 years, credit assessments based on GST statements. Interest refunds on linked current accounts.

Loan Against Property (LAP)

Secured loans of up to INR 20 crores for 20 years, various facilities to choose from – Term Loans, Home Saver facility, loan against rental receipts, commercial property purchase loans, attractive top-up upto INR 7.5 crores.

Current Account (CA)

Dynamic pricing based on monthly usage across current account variants, transact 24X7 with Straight2Bank - a fully-integrated internet banking platform and enjoy a comprehensive range of cash management solutions for SMEs.

Business Working Capital (BWC)

Meet your goals with flexible overdrafts, short term loans, trade finances and foreign exchange hedging with our one stop solution.

Trade/Fx

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

Investments/Insurance

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

S2B (Straight2Bank)

Managing your business is now effortless with features like payment and trade solutions. Focus on your business growth while one platform takes care of your key business functions.

Business Instalment Loan Features

Collateral free loans of up to INR 100 lakhs up to a term of 4 years
Credit assessments based on GST statements
Interest refunds on linked current accounts
Attractive top-up facility based on existing loan track record

Loan Against Property Features

Secured loans of up to INR 20 crores for 20 years
Loans against residential and commercial properties
Loans to hotels for expansion and renovation
Lease Rental Discounting facility with only rental based eligibility assessment up to INR 10 crores
Loan To Value up to 80% on self-occupied residential property and 69% on self-occupied commercial property

Business Working Capital Features

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

Current Account Features

An account tailor made for domestic and 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 Business Visa infinite platform with customized offers, including access to over 1 million ATMs worldwide

Straight2Bank Features

Fully integrated, internet banking platform
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

Trade/Fx Features

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

Investment & Insurance solutions 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 markets,asset classes and currencies
Expertise recognised by the industry – winner of CNBC Financial Advisor Awards for seven 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

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