TJSB Easy Credit

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TJSB Easy Credit is a scheme for all small business units engaged in trading, manufacturing, service sector, etc.
  1. Term loan against new/existing plant and machinery and commercial vehicle and Cash credit limit for meeting working capital requirements.
  2. Loan Limit :
      Retail Traders & Shops – Maximum upto Rs.10 Lacs
      Manufacturing activity/Service Sector – Maximum upto Rs.25 Lacs
  3. Rate of Interest : 10%*
  4. Repayment Period :
      Term loan upto 84 months including moratorium
      (Moratorium maximum upto 6 months*)
      Cash Credit for 12 months with annual renewal
  • Who Can Apply : Individuals, Proprietary Firms, Registered Partnership Firms, LLPs, Private Ltd. Companies,etc.
      1. i) Loan Application
        ii) KYC Documents
        iii) Financials
        iv) Statements of Accounts
        v) Other related documents as per bank norms
  • Prime Security :
      Term Loan – Hypothecation of new/existing plant and machinery and commercial vehicle
      Cash Credit – Hypothecation of stock and book debts
  • Guarantors :
      i) One acceptable guarantor of satisfactory income and net worth*
      ii) Individual Partners in case of Partnership firms
      iii)LLP & Directors in case of Company
      iv)Security Owners
      v)Nil Guarantor in case of 100% Collateral Security
    1. Borrower/Co-Borrower : Regular membership fees
    2. Guarantors : Nominal membership
    ** Conditions Apply. Loan at sole discretion of the Bank”

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