Loan Against property

Ujjivan SFB offers MSME loans from ₹ 10 lakhs to ₹ 1000 Lakhs for any small or medium enterprise business need. If you need a loan for growing and expanding your existing business or to pay off your previous loan taken at higher interest rate, you can approach Ujjivan SFB and we would be happy to help. What is more, we have made the paperwork easy so you can apply and access the loan facility without any hassles.

Micro and Small Medium Enterprises are at the heart of our country’s development. With decades of experience in supporting small businesses, Ujjivan SFB brings to you the Micro and Small Medium Enterprise Loans that are tailor-made for the growth of your business. Our loans are aimed at boosting small businesses by financing the specific needs of the enterprise. We are happy to bring you these loans since when you grow, the country grows.

Secure Business Loan

Loan amount range: ₹ 10 Lakhs - ₹ 25 Lakhs

Tenure range (in months): 36-120 (subject to periodical review)

Rate of interest (ROI): 17 - 19% p.a. reducing

Secure Enterprise Loan

Loan amount range: ₹ 10.10 Lakhs - ₹ 100 Lakhs

Tenure range (in months): 36-120 (subject to periodical review)

Rate of interest (ROI): 14 - 17% p.a . reducing

Business Edge Term Loan

Loan amount range: ₹ 25 Lakhs- ₹ 1000 Lakhs

Tenure range (in months): 36-120 (subject to periodical review)

Rate of interest (ROI): 13 - 15% p.a. reducing

Loan Against Rent Receivable

Loan Amount Range: ₹ 5 Lakhs - ₹ 200 Lakhs

Tenure Range(In months): 24 – 84 (Maximum Lease Period)

Rate of Interest(ROI): 14% p.a.

Prime LAP Semi-Formal

Loan Amount Range - ₹ 10.5 Lakhs – ₹ 150 Lakhs

Tenure Range (in months) : 12- 180

Rate of Interest (ROI): 12-15.5 %

Elite LAP

Loan Amount Range – ₹ 25 Lakhs – ₹ 1000 Lakhs

Tenure Range ( In months)- 12-180

Rate of interest (ROI): 10% - 13.5%

Term Loan- Drop Line Overdraft Facility

Emergency Credit Line Guarantee Scheme (ECLGS)

In view of the economic distress caused by the COVID-19 pandemic, the Finance Ministry unveiled a Rs. 20 Lakh Crore comprehensive package, known as the Emergency Credit Line Guarantee Scheme (ECLGS). This package is in aid of Micro, Small and Medium Enterprises (MSMEs) sector, addressing working capital needs, operational liabilities and restart business impacted due the COVID-19 crisis. This scheme is available up to June 30th, 2021, or on reaching the threshold stipulated by the Government of India under the Emergency Credit Line Guarantee Scheme (ECLGS). The working capital term loan (WCTL) comes with a tenure of 48 months, with a principal moratorium for the first 12 months.

Eligibility of applicants:

Borrowers with up to Rs. 25 Crore outstanding as on Feb 29, 2020 and up to Rs..100 Crore annual turnover for FY 2020 are eligible for this scheme. Business Enterprises, MSMEs constituted as Proprietorship, Partnership, registered company, trusts and Limited Liability Partnerships (LLPs) shall also be eligible. Borrower accounts which had NPA or SMA-2 status as on Feb 29, 2020 shall not be eligible under the scheme.

Loan sanctioning:

20% of the total outstanding credit of borrowers can be sanctioned as a loan under the Guaranteed Emergency Credit Line (GECL), for those who having a loan as on Feb 29, 2020.

No processing charges or collateral required:

Processing charges, foreclosure and prepayment charges will be waived. No collateral is required for this scheme.

AQ on Emergency Credit Line Guarantee Scheme. Click Here More details, you may visit NCGTC site at www.ncgtc.in *NOTE: Applicable taxes shall be levied on all Fees and Charges specified above. All Fees, Charges and Tax are non-refundable.

CGTMSE Term Loan

Loan amount range: ₹ 10 Lakhs - ₹ 200 Lakhs

Tenure range (in months): 12-120 (subject to periodical review)

Rate of interest (ROI Range): 13% - 15% p.a.

Fees And Charges Applicable*

Documentation Charges: Up to ₹ 10,000/- + GST.

Processing Fees (% to the Limit): Up to 2.5% + GST.

Stamp Duty on Loan Documents and Security Document: Actuals (as per statutory provisions prevailing in the concerned State in which the loan/security documents are executed).

Life Insurance Premium for Borrower (If opted by the Borrower Voluntarily): As per the guidelines of the Insurer.

CERSAI Charges (INR): ₹ 50+ GST up to ₹ 5 Lakhs Loan Amount & ₹ 100+ GST for any Loan amount greater than ₹ 5 Lakhs.

Additionally, other Charges, Fees, Prepayment Penalty, Pre-closure Charges, Penal Interest ect. as per the conditions in the Sanction Letter to be issued by USFB shall also be applicable.

Fuel your dreams with accessible funding through our MSME loans.