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  • Micro Banking Business Loan
Home Business Loans Micro Banking Business Loan Micro Banking Business Loan

Micro Banking Business Loan

The Micro Banking Business Loan (MBBL) Product has been designed for the existing JLG Clients who have gradually increased their income over a period of time and now require higher ticket size loan in their respective individual capacity to diversify their business. To meet the increasing fund requirement of matured JLG borrowers, the Bank has introduced individual business loan for amounts ranging from

1,00,000 to 2,50,000.

 

Microbanking Business Loans (Microfinance): ): In order to meet the increasing fund requirement of matured JLG customers who have completed multiple loan cycles, the Bank has introduced individual business loan of amounts ranging from 100,000 to 200,000 for the first cycle (in the multiple of 10,000)and subsequent cycle loan of 1,00,000 to 2,50,000 (in the multiple of 10,000). The repayment tenure for such loans is 24 to 48 months. We provide individual loans especially to those who have begun their formal credit under JLG. Our Bank identifies a subset from its JLG customers, who are eligible for individual loan through good credit behavior and relatively higher size fund requirement. We disburse the loan in the bank account of the customer and the collection is also routed through their bank account.

 

Microbanking Business Loans (Non-Microfinance): These loans range from 1,00,000 to 2,00,000 (in the multiple of 10,000) for the first cycle and for subsequent cycle from 1,00,000 to 2,50,000 (in the multiple of 10,000). The repayment tenure for such loans is 24 to 48 months.

 

  • Fees and Charges
  • Features
  • Eligibility
  • FAQs
  1. Rate of Interest: 24% per annum on reducing balance basis
  2. Processing fee 1% of Loan Amount plus applicable taxes/ GST for Loan Amounts more than 25,000
  3. No Prepayment Charges
  4. In case of delayed payments, the Bank shall charge interest at the rate applicable to the facility on overdue principal
  1. Ticket sizes- First Cycle: 1,00,000 to 2,00,000 (in the multiple of 10,000); Subsequent Cycle: 1,00,000 to 2,50,000 (in the multiple of 10,000)
  2. Tenure - The Borrower and/or Co-borrower can repay the facility in 24, 30, 36, 42, 48 Equated Monthly Installments
  3. Collateral free loan
  4. This product is to help businesses in order to increase their income requirements for livelihood purposes.
  1. Existing JLG Clients with minimum 18 Months Repayment Track Record with minimum six (06) months’ RTR of current loan or Existing MBBL clients having completed 50% of tenure.
  2. The percentage of ‘Monthly Debt Obligations’ towards all existing loans as well as the loan under consideration to ‘Monthly Household Income’ should not be more than 50%.
  3. One (01) Co-borrower is mandatorily required and must be either spouse or unmarried son/daughter.
  4. Residing in own house in the village/ for at least three (03) years.
  5. It will be given for running businesses/ income generating activities which have been there for more than two (02) years with one (01) year or more in the current line of business.
  6. Age Limitation: For Applicant-

    Minimum Age- 23 Years (at the time of entry)

    Maximum Age- 60 Years (at the time of closure of loan)

    For Co-Applicant-

    Minimum Age- 18 Years (at the time of entry)

    Maximum Age- 60 years (at the time of closure of loan)

  7. Client should have Savings Account with Utkarsh Small Finance Bank.
  8. Client must close the existing JLG/MBBL loan before the disbursement of Business Loan.
  9. In case the JLG loan is already closed, client can apply for MBBL subject to 90 days not completed from the JLG loan closure date to the date of application
Why is this scheme launched?
This scheme is launched on strong demand from JLG clients to provide higher ticket size loans in order to meet their increasing fund requirements for their enhanced business scale and scope.
Who is eligible for this loan and what are the conditions associated with it?
The existing Joint Liability Group clients having credit facilities from Utkarsh Small Finance Bank Ltd. with satisfactory loan repayment record are eligible for this loan subject to:
  1. Existing JLG Clients with minimum 18 Months Repayment Track Record (RTR) with minimum six (06) months’ RTR of current loan or Existing MBBL clients having completed 50% of tenure.
  2. The percentage of ‘Monthly Debt Obligations’ towards all existing loans as well as the loan under consideration to ‘Monthly Household Income’ should not be more than 50%.
  3. One (01) Co-borrower is mandatorily required and must be either spouse or unmarried son/daughter.
  4. Residing in own house for at least (03) years.
  5. It will be given for running businesses/ income generating activities which have been there for more than two (02) years with one (01) year or more in the current line of business.
  6. Not applicable for start-ups/consumption purposes.
  7. Age Limitation:

    For Applicant-
    Minimum Age- 23 Years (at the time of entry)
    Maximum Age- 60 Years (at the time of closure of loan)
    For Co-Applicant-
    Minimum Age- 18 Years (at the time of entry)
    Maximum Age- 60 years (at the time of closure of loan)

  8. Client should have Savings Account with Utkarsh Small Finance Bank Ltd.
  9. Client must close the existing JLG/MBBL loan before disbursement of Business Loan.
  10. In case the JLG loan is already closed, client can apply for MBBL subject to 90 days not completed from the loan closure date to the date of application.
  11. Our Bank identifies a subset from its JLG customers, who are eligible for MBBL basis good credit behaviour and relatively higher size fund requirements.
Can a client of newly formed Joint Liability Group avail this scheme?
No. This scheme is only for Existing JLG Clients with minimum 18 Months Repayment Track Record (RTR) with six (06) months’ RTR of current loan or Existing MBBL clients having completed 50% of tenure.
Is it required by the client to attend the Centre Meetings, in case Business Loan is availed?
No, the client is not required to attend the Centre Meetings once Business Loan is availed.
What is the Loan amount limit under this scheme?
  • First Cycle: 1,00,000 to 2,00,000
  • Subsequent Cycle: 1,00,000 to 2,50,000
What is the tenure of Loan?
The Borrower and/or Co-borrower can repay the facility in 24, 30, 36, 42, 48 Equated Monthly Installments.
What is the rate of interest to avail this loan?
The rate of interest applicable is 24% per annum on reducing balance basis.
Who can become a Co-Borrower with respect to close relatives?
Co-Borrower can be either spouse or unmarried son/daughter.
When can the loan be disbursed?
The loan can be disbursed subject to positive credit checks and after fulfilment of all pre-disbursement documentation
What will be the repayment mode?
Loan is to be repaid in monthly installments through Standing Instruction (SI).
Does this facility require any security or margin?
No, the scheme does not require any security or margin.
What is the Processing Fee charged to avail this loan?
Processing fee: 1% of the loan amount + GST.
If a client is running a Dairy Business and has 6 milch animals, can she apply for Business Loan to build a shed for it?
Yes, she can apply for Business Loan and the loan approval shall be subject to the fulfilment of other eligibility criteria..
  • Fees and Charges
    1. Rate of Interest: 24% per annum on reducing balance basis
    2. Processing fee 1% of Loan Amount plus applicable taxes/ GST for Loan Amounts more than 25,000
    3. No Prepayment Charges
    4. In case of delayed payments, the Bank shall charge interest at the rate applicable to the facility on overdue principal
  • Features
    1. Ticket sizes- First Cycle: 1,00,000 to 2,00,000 (in the multiple of 10,000); Subsequent Cycle: 1,00,000 to 2,50,000 (in the multiple of 10,000)
    2. Tenure - The Borrower and/or Co-borrower can repay the facility in 24, 30, 36, 42, 48 Equated Monthly Installments
    3. Collateral free loan
    4. This product is to help businesses in order to increase their income requirements for livelihood purposes.
  • Eligibility
    1. Existing JLG Clients with minimum 18 Months Repayment Track Record with minimum six (06) months’ RTR of current loan or Existing MBBL clients having completed 50% of tenure.
    2. The percentage of ‘Monthly Debt Obligations’ towards all existing loans as well as the loan under consideration to ‘Monthly Household Income’ should not be more than 50%.
    3. One (01) Co-borrower is mandatorily required and must be either spouse or unmarried son/daughter.
    4. Residing in own house in the village/ for at least three (03) years.
    5. It will be given for running businesses/ income generating activities which have been there for more than two (02) years with one (01) year or more in the current line of business.
    6. Age Limitation: For Applicant-

      Minimum Age- 23 Years (at the time of entry)

      Maximum Age- 60 Years (at the time of closure of loan)

      For Co-Applicant-

      Minimum Age- 18 Years (at the time of entry)

      Maximum Age- 60 years (at the time of closure of loan)

    7. Client should have Savings Account with Utkarsh Small Finance Bank.
    8. Client must close the existing JLG/MBBL loan before the disbursement of Business Loan.
    9. In case the JLG loan is already closed, client can apply for MBBL subject to 90 days not completed from the JLG loan closure date to the date of application
  • FAQs
    Why is this scheme launched?
    This scheme is launched on strong demand from JLG clients to provide higher ticket size loans in order to meet their increasing fund requirements for their enhanced business scale and scope.
    Who is eligible for this loan and what are the conditions associated with it?
    The existing Joint Liability Group clients having credit facilities from Utkarsh Small Finance Bank Ltd. with satisfactory loan repayment record are eligible for this loan subject to:
    1. Existing JLG Clients with minimum 18 Months Repayment Track Record (RTR) with minimum six (06) months’ RTR of current loan or Existing MBBL clients having completed 50% of tenure.
    2. The percentage of ‘Monthly Debt Obligations’ towards all existing loans as well as the loan under consideration to ‘Monthly Household Income’ should not be more than 50%.
    3. One (01) Co-borrower is mandatorily required and must be either spouse or unmarried son/daughter.
    4. Residing in own house for at least (03) years.
    5. It will be given for running businesses/ income generating activities which have been there for more than two (02) years with one (01) year or more in the current line of business.
    6. Not applicable for start-ups/consumption purposes.
    7. Age Limitation:

      For Applicant-
      Minimum Age- 23 Years (at the time of entry)
      Maximum Age- 60 Years (at the time of closure of loan)
      For Co-Applicant-
      Minimum Age- 18 Years (at the time of entry)
      Maximum Age- 60 years (at the time of closure of loan)

    8. Client should have Savings Account with Utkarsh Small Finance Bank Ltd.
    9. Client must close the existing JLG/MBBL loan before disbursement of Business Loan.
    10. In case the JLG loan is already closed, client can apply for MBBL subject to 90 days not completed from the loan closure date to the date of application.
    11. Our Bank identifies a subset from its JLG customers, who are eligible for MBBL basis good credit behaviour and relatively higher size fund requirements.
    Can a client of newly formed Joint Liability Group avail this scheme?
    No. This scheme is only for Existing JLG Clients with minimum 18 Months Repayment Track Record (RTR) with six (06) months’ RTR of current loan or Existing MBBL clients having completed 50% of tenure.
    Is it required by the client to attend the Centre Meetings, in case Business Loan is availed?
    No, the client is not required to attend the Centre Meetings once Business Loan is availed.
    What is the Loan amount limit under this scheme?
    • First Cycle: 1,00,000 to 2,00,000
    • Subsequent Cycle: 1,00,000 to 2,50,000
    What is the tenure of Loan?
    The Borrower and/or Co-borrower can repay the facility in 24, 30, 36, 42, 48 Equated Monthly Installments.
    What is the rate of interest to avail this loan?
    The rate of interest applicable is 24% per annum on reducing balance basis.
    Who can become a Co-Borrower with respect to close relatives?
    Co-Borrower can be either spouse or unmarried son/daughter.
    When can the loan be disbursed?
    The loan can be disbursed subject to positive credit checks and after fulfilment of all pre-disbursement documentation
    What will be the repayment mode?
    Loan is to be repaid in monthly installments through Standing Instruction (SI).
    Does this facility require any security or margin?
    No, the scheme does not require any security or margin.
    What is the Processing Fee charged to avail this loan?
    Processing fee: 1% of the loan amount + GST.
    If a client is running a Dairy Business and has 6 milch animals, can she apply for Business Loan to build a shed for it?
    Yes, she can apply for Business Loan and the loan approval shall be subject to the fulfilment of other eligibility criteria..

 

 

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Registered Office Address:

Utkarsh Tower,
NH-31(Airport Road),
Sehmalpur, Kazi Sarai,
Harhua, Varanasi,
PIN – 221105, Uttar Pradesh

Phone:
0542-2500596
1800 123 9878

Email:
[email protected]

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I authorise Utkarsh Small Finance Bank Ltd. & its representatives to Call, SMS or Email me with reference to my complaint.

If the resolution you receive does not meet your expectations, you may communicate your concern further to our Nodal Officer at [email protected] If you are unsatisfied with the responses you receive after following the first two levels of the complaint mechanism, you may write further to Mr. Aravind Khandelwal, Principal Nodal Officer at [email protected] As per the Banking Ombudsman Scheme 2006, if your complaint is not resolved within one month from filing the complaint or if you are not satisfied with the reply, finally you can also write to Office of the Banking Ombudsman appointed by Reserve Bank of India.

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