Loans

Stress Assets Finance
Onward 9.00%.

Stress Assets Finance means providing financial solutions for assets or loans that are not performing well or are under stress, such as overdue loans or non-performing accounts. In simple words, it helps banks or lenders recover money from bad loans or weak financial assets. It also helps companies restructure or settle their debts in a better way.

Application

Please provide your details for quick funding assessment.

Stress Assets Finance Eligibility Criteria

Understand the complete eligibility structure for Stress Assets Finance, including income, credit score, age, and repayment capacity requirements.

What do you mean by Stress Assets Finance Eligibility Criteria?

Stress assets are an important indicator of banking health. It shows how much loan amount is given to borrowers and whether they are repaying interest and principal on time. This facility provides financial support to promoters of MSME sectors having stressed assets.


Stress Assets Finance helps businesses manage financial pressure and improve liquidity by restructuring or providing credit support.


Before applying, applicants must meet basic eligibility conditions such as age, credit score, residency, and business involvement.

Stress Assets Finance Eligibility Criteria

  • Applicant should be between 22 to 60 years of age
  • Applicant must be a promoter in MSME sector
  • Good credit history is required
  • CIBIL score must be above 750
  • Applicant must be a resident of India

Factors Affecting Eligibility

  • Incomplete documentation can lead to rejection
  • Irregular or missed loan payments affect eligibility
  • Low credit score reduces approval chances

Ways to Increase Eligibility

Required Documents

Documents Required for NBFC Funding Processing

Keep the following documents ready for faster approval and smooth verification. Select your applicant type and check the complete checklist.

Individual

Personal Applicant
  • Photographs (2)
  • PAN Card Copy
  • Aadhaar Card + Passport
  • Address Proof (If Rented also Permanent Address Proof)
  • Last 3 Years Form-16, ITR with Computation of Income (If Filed)
  • Last 1 Year Bank Statement - Salary Account
  • Loan Schedule & Sanction Letter (If Running)
  • Complete Property Papers with Chain & Map + ATS
  • Processing Fee Cheque in Favour of Bank
  • Brief History of Company
  • ISO 9001:2000 / Factory Act / IEC Code Registration (If Applicable)
  • Party Wise Sales in Last 12 Months
  • Recent Trial Balance (Including Creditors & Debtors)
  • Customer Aging Report (All Customers List)
  • Invoice + PO + Shipping Docs + POD + Remittance Advice (Min 6 Sets)
  • Last 3 Months Salary Slip + Appointment Letter

Prop Firm

Business Applicant
  • Last 1 Year GST Return Copy
  • 3 Years ITR, P&L, Balance Sheet, Tax Audit Report & Annexures
  • Provisional Financial AY 2019-20
  • Bank Accounts (Current / CC / OD - Last 1 Year Updated)
  • 6 Months Saving Account Statement (Proprietor)
  • Loan Sanction Letter & Repayment Schedule (If Running)
  • Agreement to Sell Copy
  • Property Papers with Chain & Sanction Map
  • Brief History of Company
  • ISO / Factory Act / IEC Registration (If Applicable)
  • Party Wise Sales in Last 12 Months
  • Recent Trial Balance (Including Creditors & Debtors)
  • Customer Aging Report
  • Invoice + PO + Shipping Docs + POD + Remittance Advice (Min 6 Sets)

Partnership Firm

Partnership Business
  • Photograph of Partners
  • PAN Card - Company & All Partners
  • Address Proof - All Partners
  • Firm Address Proof (Latest Utility Bill)
  • Partnership Deed Copy
  • GST Certificate
  • GST Return Last 1 Year
  • 3 Years Financials + Audit Report (3CB/3CD) & Annexures
  • Provisional Financial AY 2019-20
  • 3 Years Individual ITR of Partners
  • Firm Bank Statement (Last 1 Year Updated)
  • All Partners Saving Account Statement (6 Months)
  • Loan Sanction Letter & Repayment Schedule
  • Agreement to Sell Copy
  • Property Papers Complete Chain with Map
  • Brief History of Company
  • ISO / Factory Act / IEC Registration (If Applicable)
  • Party Wise Sales in Last 12 Months
  • Recent Trial Balance
  • Customer Aging Report
  • Invoice + PO + Shipping Docs + POD + Remittance Advice (Min 6 Sets)

Pvt. Ltd.

Corporate Applicant
  • All Directors Photographs
  • PAN Card - Company & Directors
  • Address Proof - Company & Directors
  • Shareholders List (CA Certified)
  • Memorandum of Association (If Applicable)
  • GST / VAT / SSI Registration Certificate
  • 1 Year GST Returns
  • Directors ITR & Computation (Last 3 Years)
  • 3 Years Financials + Tax Audit Report & Annexures
  • Monthly Sales / Provisional Financial (Last 1 Year)
  • Company Bank Statement (Last 1 Year Updated)
  • Directors Saving Account Statement (6 Months)
  • Loan Sanction Letter & Repayment Schedule
  • Agreement to Sell Copy
  • Property Papers with Sanction Map
  • Brief History of Company
  • ISO / Factory Act / IEC Registration (If Applicable)
  • Party Wise Sales in Last 12 Months
  • Recent Trial Balance
  • Customer Aging Report
  • Invoice + PO + Shipping Docs + POD + Remittance Advice (Min 6 Sets)
EMI Calculator

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