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Business Banking Group

Focus on growing your business while we support your funding needs with wide range of working capital solutions (Both fund based and non-fund based) . Enjoy improved liquidity, greater flexibility, and quick access to funds through a simple and hassle-free process.

Know more about RBL Bank Business Banking Group Key Benefits

Product Highlights

  • Fund & Non-Fund Based Facilities: Credit facilities of up to INR 25 Crore, available in INR and major foreign currencies, subject to applicable regulatory guidelines.

  • Working Capital Facilities: Cash Credit, Overdraft and other Working Capital facilities to support your day-to-day business operations and manage cash flow efficiently.

  • Export Credit: Pre-Shipment and Post-Shipment Finance to help exporters meet their working capital and trade finance requirements.

  • Buyer’s Credit

  • Term Loans for Business Expansion: Financing solutions to support capacity expansion, purchase of machinery, office equipment, and other business assets.

  • Non-Fund Based Facilities: Financial & Performance Bank Guarantees and Letters of Credit to facilitate secure and seamless business transactions and support your trade requirements.

Why Choose RBL Bank Business Banking?

RBL Bank Business Banking offers personalised financial solutions designed to support your business needs and help you grow with confidence.

  • Dedicated Relationship Manager: Get personalised assistance from a Relationship Manager who works closely with you to understand and address your financing requirements.

  • Competitive Pricing: Benefit from competitively priced interest rates, commissions and service charges, subject to applicable terms and conditions.

  • Flexible Collateral Options: Access financing solutions with flexible collateral requirements, tailored to your business needs and credit profile.

If you are a MSME in the business of manufacturing, trading, or services then you can apply for the Business Banking finance solutions. Below are few basic eligibility criteria:

  • Business should have a minimum track record of 3 years in the same line of business.
  • Cash profit with positive net worth for last 2 years.

Below are few of the businesses for which we do not provide financing:

  • Businesses which are in gambling, tobacco, liquor, and narcotics.
  • Manufacturer and Marketer of banned drugs.
  • Polluting industries having no clearance from pollution control authorities.
  • Application form
  • KYC* of applicants and guarantors with self-attestation i.e. Copy of PAN, Business license, Registered/communication address proof etc.
  • Audited Financials of last 3 years (with IT return, tax audit report and schedules & notes to accounts) Provisions/projections for next 2 years for working capital facilities and for the entire period for term loans
  • Interim performance supported with Copy of GST/ VAT / Service Tax Returns etc.
  • Bank statement for last 12 months along with sanction letter of existing bank, if applicable
  • Udyam Registration certificate
  • Photocopies of property papers, Originals will be required as per Advocate’s advise at the time of mortgage creation
  • Any other document as required and deemed fit

*As per applicable KYC guidelines issued by compliance

FAQs

We accept mortgage of residential/commercial/industrial property for availing facilities in addition as collateral security. We also fund against NSC, term deposits, debt mutual funds, life insurance policies etc.

If you are a Sole Proprietorship Firm, Partnership Firm, or a Private limited Company in the business of trading, manufacturing, and service then you can apply for availing the facilities.

Minimum amount of the credit exposure under this segment is INR 10.01 Lakhs. You can avail maximum up to INR 25 Crores depending on your requirement and your eligibility as per Bank’s policy guidelines.

Repayments can be in form of monthly interests for working capital facilities (Cash Credit/Overdraft/export credit), Equated Monthly Instalments (EMI) for term loans or as per any other schedule as mentioned in sanction letter as per discussions with you.

EMIs can be paid through NACH mandates, ECS mandates, Standing instruction from Current Account with RBL Bank.

We price our facilities competitively. The final price of the facility will be determined based on your financial assessment, past track record in the business, assessment of the business profile, tenure and loan amount.

Fee for non-fund based facilities is priced according to the industry standards only.

You get the benefit of easier documentation if you have a Current / Savings Account with RBL Bank. You can avail of paying your EMI through Standing Instructions to debit your RBL Bank Account for the loan.

Note:

  • Terms and Conditions apply.
  • All loans at the sole discretion of RBL Bank.
  • The timeframe for disposal of MSME applications upto INR 0.25 Crs is 14 working days and the guidance for export facilities is 45 days.
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