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SANJEEVANI ::: |
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Exclusive
Financial Solutions for Professionals |
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Ideal for technology
upgradation, renovation of office premises, addition of
ultra modern equipments, overdraft facility, etc.
Clean Overdraft |
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Nature of Facility: |
Clean overdraft for Working Capital W.C.T.L. |
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Limit : |
Up to Rs. 2,00,000/- |
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Margin : |
Nil -
Upto Rs. 1.00 Lac
10% - Above Rs. 1.00 Lac to Rs. 2.00 Lacs |
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Guarantors: |
Nil |
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Eligibility: |
Any
Professional like Medical Practitioners,
Charted Accountants, Cost Accountants, Company Secretaries,
Architects etc, 3 years in the profession. |
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Documentation: |
a)
Professional Qualification certificate.
b) Last two year’s assessment order or return copy.
c) Proof of address of residence/clinic / hospital / office.
d) copy of Registration Certificate of concerned
authorities for commencing practice. |
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Interest: |
12.50% Floating |
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Processing charges : |
@
0.25% of loan amount. (Min Rs. 500/-) |
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Exclusive Banking or NOC from
existing Banker. |
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Review/Renewal every year.
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Security: |
Loan upto Rs. 1 Lac
Clean
Above Rs. 1 Lac to Rs. 2 Llacs Negative Lien of flat
Or other collateral security |
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Prepayment penalty : |
2.00% on outstanding
balance for takeover loan. |
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Equipment
Financing / Purchase of office / furniture
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Nature of Facility: |
Term loan. |
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Limit : |
Rs.20,00,000/- (maximum) |
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Security : |
Hypothication
of Equipment / Furniture / Mortgage
of Property to be purchased . |
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Guarantors: |
a) Upto
Rs. 2.00 Lacs - Nil
b) Above Rs. 2.00 Lacs upto Rs. 5.00 Lacs - No outside
guarantors incase of satisfactory track record of
borrowing with our bank. |
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Interest : |
12.50%
Floating
(0.5% incentive lacs- No outside guarantors in case of satisfactory
track record of borrowing with our bank. |
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Margin : |
10% in
Term Deposit . |
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Repayment: |
With
48EMI / 60EMI / 72 EMI months with 3 months moratorium. |
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Eligibility: |
a)
Established in profession for minimum period of 3 years.
b) Annual Income : Upto Rs.75,000/-
Maximum Loan ; Rs.2.00 lacs.
Rs.75,001/- to Rs.1,50,000/-
Maximum Loan : Rs.5.00 lacs.
Rs.1,50,001/- to Rs.3,00,000/-
Maximum Loan : Rs.10.00 lacs.
Above Rs.3,00,000/-
Maximum Loan : Rs.20.00 lacs.
c) Should not be defaulter for loan
repayment of our Bank. |
| Documentation: |
a) Professional Qualification certificate.
b) Last six months Bank Statement.
c) Last two years assessment order or Income Tax Return copy.
d) Proof of Residence / Business place.
e) Guarantors Income and Residential proof.
f) 12 post dated cheques.
g) Copy of Registration Certificate of Concerned Authorities for
commencing practice. |
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Processing charge: |
@ 1%
of loan amount (Min 1000/-) |
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Prepayment penalty:
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2.00%
on outstanding balance for takeover of
loan by any other financial institutions / Bank etc. |
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EMI table |
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INT (% p.a) |
36 M |
48 M |
60 M |
84 M |
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10.25 |
3211 |
2527 |
2119 |
1659 |
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10.50 |
3222 |
2539 |
2131 |
1672 |
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10.75 |
3233 |
2550 |
2143 |
1685 |
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11.00 |
3244 |
2561 |
2155 |
1697 |
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11.25 |
3255 |
2573 |
2167 |
1710 |
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11.50 |
3267 |
2584 |
2179 |
1723 |
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11.75 |
3278 |
2596 |
2191 |
1736 |
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12.00 |
3289 |
2608 |
2203 |
1748 |
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12.25 |
3300 |
2619 |
2215 |
1761 |
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12.50 |
3311 |
2631 |
2227 |
1774 |
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12.75 |
3322 |
2643 |
2239 |
1787 |
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13.00 |
3333 |
2654 |
2251 |
1800 |
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At Call
Service |
For any proposal other than above scheme for the purpose
of:
1. Purchase of premises.
2. Setting up Hospitals or any Clinical/Diagnostic
center.
3. Equipment Financing. |
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