Regd. Office: 9C-A, Madhuban, First Floor, Udaipur 313004, Rajasthan
Registration NO.: 03/08/1972 No. 1557 Y RBI LIC. NO.: 04/01/1975 No. 52 P
    Cash Credit / Hypothecation Loan
(i) to meet working capital requirement in any gainful Business/Industrial activity.

(ii) to take over cash credit facility (regular a/c) availed for such purpose from another Bank.

   Who are eligible

Firms, engaged in gainful Business /Industrial activity in the area of operation of the Bank..

   Credit Limit amount
Generally working capital requirement in Business activity is estimated at 25% of sales turnover of a firm, out of this 25%, keeping Borrower's stake at 5%, remaining 20% of projected sales turnover for the next year (subject to maximum Rs.93.00 lacs) may be financed by the Bank. Where working capital requirement is more in some Business/Industrial activity due to Longer Production/Processing/realization cycle, working capital finance more than 20% (subject to maximum Rs. 93.00 lacs) may be allowed.
Hypothecation of stock and assignment of trade debts ,Where credit limit exceeds Rs. 1.00 lac, collateral security by way of equitable mortgage of immovable property of sufficient value will be obtained. Personal guarantee of one person (two persons in case of limit upto Rs. 1.00 lac) will also be obtained.
on stocks         30%
on Debtors         50%
on immovable property 20%
cash credit (hypothecation) limit will be sanchoned for 12 months period and before expiry of 12 months period , it will be needed to get the limit renewed.
Loan on property mortgage and other related documents for the development of your business
1. Loan application with full details.
2. Sign of two guarantors
3. Proof of loan purpose.
4. Business Proof:
      1.Firm registration
      2. Partnership deed
5. Firm’s Balance sheet, Profit and Loss account and Capital account for last 3 years as well as Stock Statement.
6. Firm’s Income Tax Return for last 3 years and Assessment Order for last year.
7. Title Clear Certificate of property.
8. Original document of property.
9. Valuation Certificate of property
10. Pan Card copy
11. Property mortgage in favour of Bank.
12. Insurance of property in favour of Bank.
Personal Loan
Secured Loan
Housing Loan
Business Loans
Vehicle Loan
C.C / Hypo Loan
F.D / O.D Loan
Education Loan
Interest Rates