TJSB Professional Loan

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To meet financial needs or To Finance premises, Medical Equipments, Tools, Furniture & Fixtures etc. Cash credit Limit for Working Capital requirement.
You can avail a loan of up to Rs. 40.00 Lacs.
  1. Term Loan For Machinery, Equipments, Property etc.
    1. i. Loan Limit : is maximum Upto Rs. 40.00 Lacs.
      ii. Repayment Period :

      a. For Machinery, Equipments, etc Maximum 84 months Including Moratorium period of 18 months.
      b. For Property/Premises Maximum 120 months Including moratorium period of 18 months.

  2. Cash credit for working capital requirement.
    1. i. Loan Limit : is maximum Upto Rs. 5.00 Lacs.
      ii. Repayment Period : Renewal every year.
  3. No Pre-payment Penalty.
  4. Rate of Interest : is Applicable from time to time.
  5. Service Charges : are Applicable from time to time.
Get Professional Loans from TJSB Bank.
  1. Applicant :
    1. Individuals/Proprietary Concern/Partnership firms/Pvt./Ltd. Co. (Any Professional like Medical Practitioners, Chartered Accountant, Cost Accountants, Company Secretaries, Architects etc,3 years in the Profession.)
  2. For Businessmen & Professionals :
    1. Minimum five years of Business Establishmnet.
  3. Co-Applicant :
    1. Co-Owners of property must be taken as Co-applicant. Spouse /parents of the applicant other than Co-owners can be taken as Co-applicant.
  4. Minimum 1 Guarantor and Security Holder to be also taken as Guarantors.
  1. Duly filled form with :
    1. i. Income Proof of Applicant(s) & Guarantor(s)
      ii. Residential Proof of Applicant(s) & Guarantor(s)
      iii. PAN Card of Applicant(s) & Guarantor(s)
      iv. KYC of Applicant(s) & Guarantor(s)
  2. Term Loan For Machinery, Equipments, Property etc.
    1. i. Prime Security : Hypothecation /Mortgage of Asset to be Purchased.
      ii. Other charges : Upfront EMI, Franking Charges,CERSAI, Filing Mortgage Intimation, Property Insurance, Legal charges
  3. Cash credit for working capital requirement.
    1. i. Prime Security : NIL for Clean Advance Or Hypothecation of Stock /Book Debts/ Machinery etc.
      ii. Other Charges : Franking charges.
  1. Borrower & Co-Borrower :
  2. Regular Membership fees:
    - @2.5% of loan amount in case of secured advance
    - @ 5.00% of loan amount in case of un-secured advance, as applicable.(Maxi.Rs.5.00L)
  3. Guarantors : Nominal membership
** “Conditions Apply. Loan at sole discretion of the Bank”

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