Business Banking: Capital facilities for MSME | RBL Bank’s working capital solutions

Business Banking Group

In your business progression, we wish to be part of your success story. You can stay focussed on your business with RBL Bank’s business banking solutions that are going to improve liquidity, fund availability, flexibility, new business opportunity and efficiency in your business.

Manage your short term and long term financial obligations.

Our Documentation & Loan process is simple and hassle free so that your request can be fulfilled in an efficient manner as per your deadline.

Product Highlights

Fund based and non fund based facilities upto INR 25 crores available in INR and major foreign currencies as per regulations.
Cash Credit Limit/Overdraft Limit/Working capital facility to support your day to day operations.
Export Credit to provide Pre-Shipment and Post Shipment Finance to exporters.
Term loan for capacity expansion like purchase of machinery, office equipment etc.
Non Fund based facilities – Financial/performance Bank Guarantees Buyer’s Credit and Letter of Credit to ensure smooth trade.

RBL Bank Business Banking is the correct choice for you because:

Our Relationship Manager works closely with you to address all your financing requirements.
Our interest rates, commissions, and charges are priced competitively.
We offer flexible collateral terms.

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If you are a MSME in the business of manufacturing, trading, or services then you can apply for the Business Banking finance solutions. Below are few basic eligibility criteria:

Business should have a minimum track record of 3 years in the same line of business.
Cash profit with positive net worth for last 2 years.

Below are few of the businesses for which we do not provide financing:

Businesses which are in gambling, tobacco, liquor, and narcotics.
Manufacturer and Marketer of banned drugs.
Polluting industries having no clearance from pollution control authorities.

FAQs

What will I have to keep as Collateral for availing Loan facility at RBL Bank?

We accept mortgage of residential/commercial/industrial property for availing facilities in addition as collateral security. We also fund against NSC, term deposits, debt mutual funds, life insurance policies etc.

Is my company eligible to avail Working Capital Finance?

If you are a Sole Proprietorship Firm, Partnership Firm, or a Private limited Company in the business of trading, manufacturing, and service then you can apply for availing the facilities.

How much can I borrow for my requirements?

Minimum amount of the credit exposure under this segment is INR 10.01 Lakhs. You can avail maximum up to INR 25 Crores depending on your requirement and your eligibility as per Bank’s policy guidelines.

How will I repay my loan?

Repayments can be in form of monthly interests for working capital facilities (Cash Credit/Overdraft/export credit), Equated Monthly Instalments (EMI) for term loans or as per any other schedule as mentioned in sanction letter as per discussions with you.

EMIs can be paid through NACH mandates, ECS mandates, Standing instruction from Current Account with RBL Bank.

How much Interest will I have to pay for availing the loan facility?

We price our facilities competitively. The final price of the facility will be determined based on your financial assessment, past track record in the business, assessment of the business profile, tenure and loan amount.

What is the fee for availing Non Fund Based Facilities?

Fee for non-fund based facilities is priced according to the industry standards only.

Are there any benefits of having Current Account/ Saving Account with RBL Bank for availing Finance?

You get the benefit of easier documentation if you have a Current / Savings Account with RBL Bank. You can avail of paying your EMI through Standing Instructions to debit your RBL Bank Account for the loan.

Application form
KYC* of applicants and guarantors with self-attestation i.e. Copy of PAN, Business license, Registered/communication address proof etc.
Audited Financials of last 3 years (with IT return, tax audit report and schedules & notes to accounts) Provisions/projections for next 2 years for working capital facilities and for the entire period for term loans
Interim performance supported with Copy of GST/ VAT / Service Tax Returns etc.
Bank statement for last 12 months along with sanction letter of existing bank, if applicable
Udyam Registration certificate
Photocopies of property papers, Originals will be required as per Advocate’s advise at the time of mortgage creation
Any other document as required and deemed fit

*As per applicable KYC guidelines issued by compliance

Download Application Form

Loan Application Status

RBI Notifications

Service Charges

Vernacular Business Banking Group Application Forms

Note:

Terms and Conditions apply.
All loans at the sole discretion of RBL Bank.
The timeframe for disposal of MSME applications upto INR 0.25 Crs is 14 working days and the guidance for export facilities is 45 days.