Secured Loans

Loan Against Bank Guarantee
Onward 11.00%.

A Loan Against Bank Guarantee is a loan facility where the bank gives a guarantee on behalf of a business or customer to another party. It helps businesses get contracts, supply goods, or complete projects without paying full money upfront. If the customer fails to fulfill the agreement, the bank pays the guaranteed amount. It is commonly used in business, construction, and government projects.

Application

Please provide your business and bank guarantee details for quick eligibility assessment.

Loan Against Bank Guarantee Eligibility Criteria

Understand the eligibility requirements for availing loan against bank guarantee facilities for self-employed individuals and businesses.

What is Eligibility Criteria?

Loan against bank guarantee is a facility provided by banks against the financial guarantee of scheduled commercial banks. These guarantees help promote domestic and international trade.


Eligibility depends on factors such as repayment history, business turnover, work experience, financial records, and creditworthiness.

Eligibility for Self-Employed

  • Age Limit: 24 – 65 Years
  • Must Have Good Financial Record
  • Minimum Business Continuity: 2 – 5 Years
  • Stable Business Income Required
  • Good Creditworthiness Preferred
  • Indian Resident Applicant

Important Eligibility Factors

  • Repayment History
  • Business Sales / Turnover
  • Total Work Experience
  • Existing Financial Obligations
  • Banking Relationship
  • CIBIL & Credit Profile

Factors Affecting Eligibility

Financial Record

Banks prefer applicants with strong and clean financial records for faster approval.

Business Continuity

Businesses running successfully for multiple years have higher chances of approval.

Creditworthiness

Good repayment behavior and healthy banking history improve eligibility significantly.

Business Turnover

Stable turnover and income help lenders evaluate repayment capacity.

How to Increase Eligibility

Required Documents

Documents Required for Loan Processing

Keep the following documents ready for faster approval and smooth verification process.

Individual

Personal Applicant
  • 2 Photographs
  • PAN Card Copy
  • Aadhaar Card + Passport
  • Permanent & Current Address Proof
  • Last 3 Years Form-16
  • ITR with Computation of Income
  • Last 1 Year Salary Bank Statement
  • Loan Schedule & Sanction Letter (If Running)
  • Complete Property Papers with Chain & Map + ATS
  • Processing Fee Cheque in Favour of Bank
  • Last 3 Months Salary Slip
  • Appointment Letter

Prop Firm

Business Applicant
  • Photograph of Proprietor
  • PAN Card Clear Copy of Proprietor
  • Address Proof of Proprietor
  • Office Address Proof Latest Utility Bill
  • Firm Registration Certificate & GST Copy
  • Last 1 Year GST Return Copy
  • 3 Years ITR with Computation
  • Profit Loss A/C & Balance Sheet
  • Tax Audit Report with Annexure
  • Provisional Financial AY 2019-20
  • Current / CC / OD Account Statements
  • 6 Month Saving Account Statement
  • Loan Sanction Letter & Repayment Schedule
  • Agreement to Sell Copy
  • Property Papers with Chain Sanction Map

Partnership Firm

Partnership Business
  • Photograph of All Partners
  • PAN Card of Company & Partners
  • Address Proof of All Partners
  • Latest Firm Utility Bill
  • Partnership Deed Copy
  • GST Certificate
  • Last 1 Year GST Returns
  • 3 Years Company ITR
  • P/L A/C & Balance Sheet
  • Audit Report 3CB & 3CD
  • All Annexures & Schedules CA Certified
  • Provisional Financial AY 2019-20
  • Partners ITR & Computation
  • Firm Bank Statement 1 Year Updated
  • Partners Saving A/C Statement 6 Month
  • Loan Sanction Letter & Repayment Schedule
  • Agreement to Sell Copy
  • Property Papers Complete Chain with Map

Pvt. Ltd.

Corporate Applicant
  • All Directors Photograph
  • Company & Directors PAN Card Copy
  • Address Proof of Company & Directors
  • List of Directors & Shareholders
  • CA Certified Shareholding Pattern
  • Memorandum Order Complete Copy
  • GST / VAT / SSI Registration Certificate
  • 1 Year GST Returns
  • Directors ITR & Computation Last 3 Years
  • 3 Years Financial with Audit Report
  • Tax Audit Report & Annexure
  • Provisional Financial FY 2019-20
  • Company Bank Statement 1 Year Updated
  • Directors Saving A/C Statement 6 Month
  • Loan Sanction Letter & Repayment Schedule
  • Agreement to Sell Copy
  • Property Papers Complete Chain with Sanction Map
EMI Calculator

Calculate Your Monthly EMI

Instantly estimate your monthly EMI, total interest payable, and total repayment amount for your Loan Against Property application.

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