SmallBusinessLoans ApplicationForm
SmallBusinessLoans ApplicationForm
SmallBusinessLoans ApplicationForm
RBL Bank Limited (Formerly : The Ratnakar Bank Limited) Application Date
I/ We hereby request you to sanction the Loan based on the following:
Type of loan : Secured Term Loan Unsecured Term Loan Loan Amount requested: `
Purpose of loan
Mudra Category : Shishu Kishore Tarun
Security Offered : Residential Commercial Others : ( Please specify )
Rate of Interest : Tenure:
Existing RBL Bank Customer Yes No If Yes, Customer ID Reference ID
Constitution 1 Individual 2 Sole Proprietorship 3 Partnership 4 Others (If “others“ fill as per Bank’s KYC policy )
Email ID
Date of Birth
Gender Male (Type of Org - 41) Female(Type of Org - 42) Trans Gender
Marital Status Married Unmarried Other_______________
Nationality Indian Other_______________
Education Level Undergraduate Graduate Post Graduate Professional Other ________________
Employment Type Salaried Self-employed Retired Student Politician Housewife Other ________________
Occupation Doctor CA/CS Lawyer Architect
(Self employed professional)
Engineer Consultant Agriculturist Other ________________
Source of Income Salary Business Income Investment Income Agriculture Other ________________
Gross Annual Income < 60K 60K-1.2 Lakh 1.2 - 2 Lakh 2 - 3 Lakh 3 - 5 Lakh 5 - 10 Lakh 10 - 50 Lakh > 50 Lakh
Small Business Banking
Applicant Co-Applicant
Category SC ST OBC Minority General Category SC ST OBC Minority General
Religion Hindu Sikh Muslim Zoroastrian Religion Hindu Sikh Muslim Zoroastrian
Christian Buddhist Others____________ Christian Buddhist Others_____________
Adhaar Number Adhaar Number
KYC Details - Type & No ID Proof Address Proof KYC Details - Type & No ID Proof Address Proof
(PAN/Voter ID/Driving Licence/ (PAN/Voter ID/Driving Licence/
ID Proof Number
Ration card/ Passport etc.) Add Proof Number Ration card/ Passport etc.) ID Proof Number Add Proof Number
Current Registered Mailing Address Same as Applicant's Address
Mobile Mobile
Office Address
Mobile Mobile
Constitution 1 Individual 2 Sole Proprietorship 3 Partnership 4 Others (If “others“ fill as per Bank’s KYC policy )
PSL Classification : Direct Agri (101) Indirect Agri (102) Micro Mfg (103) Micro Service (104) Small Mfg (105)
Small Service (106) Education (107) Housing Loan (108) Micro Credit (118)
Unit activity Status : Micro- Service Micro- Mfg Micro- Retail Small- Service Small- Mfg Small - Retail
B. Existing Loan
Name of Lending Purpose of loan Loan Amount Tenor of Monthly Current Balance
Institution loan (Mths) Instalment Outstanding Tenor (Mths)
C. Trade Reference
1. Name 2. Name
Address Address
Contact No Contact No
Property Address
Documents Checklist
Pre-Sanction Documents
1. Profile of the Firm and Promoters
2. Bank Statement for the last 6 months
3. Audited Financial Statement of the last 2/3 years along with the schedules, notes to accounts and Audit Report
4. ITR of the last 2/3 years along with all relevant Annexures
5. Self-Certified Provisional Balance Sheet and P&L A/c of 20_____________________
6. Kuccha Bills, Sales & Purchase Register (Applicable for unsecured loans)
7. Sanction letter of any existing banking facility
8. Proof of Identity & age proof (Passport, Valid driving license, Voters ID Card, Pan card, Aadhar card) *
9. Proof of Address & signature(Valid driving license, Leave & License Agreement, Register sale deed or sale agreement)*
10. Proof of Address of the firm: Latest Telephone Bill / Electricity Bill / Bank Statement / Leave and licence agreement (Any One)
11. Certificate of Registration of Firm (if registered) / Partnership Deed
12. SSI Registration, if applicable
13. VAT assessment order or Sales Tax Registration or License issued under Shop & Establishment Act or CST / VAT Certificate.
14. Property paper including Title Deed, Completion Certificate, Occupancy Certificate, Tax Receipt, Sanction Plan, etc.
15. Any other document / information as required on a case to case basis.
Post Sanction Documents
1. Loan Agreement Booklet and other documents enclosed in the kit
2. Accepted copy of Sanction letter
3. Signature Verification
4. ECS/SI/PDC/Security Cheques
* Note :
·For SBB Loan additional details may be accepted by RBL Bank.
·RBL Bank reserves the right to seek any additional document if required and the same shall be informed to the Applicant
and/ or Co- Applicant.
Customer ID (App/Co-app):
Confirmations / Declarations:
1. I/We declare that all the particulars and information given in the application form is true, correct and complete and no material information has
been withheld/suppressed.
2. I/We shall advise the RBL Bank in writing of any change in my/our residential or employment/ business address or any such change which may
affect my credit worthiness.
3. I/We confirm that the funds shall be used for the stated purpose and will not be used for speculative or antisocial purpose.
4. I /We understand that the Bank reserves the right to retain the photographs and documents submitted with this application and will not return the
same to me /us.
5. I/Weunderstand that the sanction of this loan is at the sole discretion of the Bank and upon my/our executing necessary security(ies) and other
formalities as required by the Bank.
6. I/We confirm that I/we are not a director or a relative of director of other banks, not a firm in which a director or a relative of directors or other banks
are interested partner/ guarantor, not a director/ senior officer/ relative of director or senior officer of the bank.
7. I/We hereby authorize and give consent to the Bank to disclose, without notice to me/us, information furnished by me/us in application form(s)/
related documents executed in relation to the facilities availed from the Bank, to the Bank's other branches/subsidiaries/affiliates, Credit
Bureaus/Rating Agencies, Services Providers, banks/financial institution, governmental/ regulatory authorities, third parties for KYC information
verification, credit risk analysis, or for other related purposes that the Bank may deem fit.
8. I/We waive the privilege of privacy and privity of contract.
9. I/We understand that the tenure /repayment /interest/other terms and conditions of the loan are subject to changes as a consequence to any
changes in themoney market conditions or on account of any other statutory or regulatory requirements or at the Bank’s discretion. The Bank
reserves that right to review and amend the terms of the loan to such extent as it may deem fit.
10. I/We understand that the purchase of any insurance products is purely voluntary, and is not linked to availment of any other facility from the Bank.
11. I/We Consent / Do not consent to receive information/ service etc. for marketing purpose through Telephone/ Mobile/SMS/ E-mail by the
Bank/ its agents.
12. I/We confirm that I/we have read and understood the above Declaration, and that the details provided on the form are correct.
Entity's
Authorized Co-Applicant/
Applicant Photo
signatory Guarantor Photo
Photo
CUSTOMER SERVICE: +91 22 61846300 (9 AM - 7 PM, 7 Days a Week) @ Email us at : customercare@rblbank.com Website : www.rblbank.com
Small Business Banking
MOST IMPORTANT TERM & CONDITIONS
I/we confirm that the executive collecting the application/document has /have Informed me/us of the
• The applicable rate of interest and the type of interest (floating/fixed). Processing fees & Legal and Technical Valuation Charges ( non-refundable) that will be charged towards loan application.
• The service tax as may be applicable that will be charged in connection with the fees. The other applicable charges such as cheque return charges, PDC swapping charges, Foreclosure charges
etc. as mentioned in the attached Table
• Details with respect to the EMI and amount will be communicated separately through a welcome letter post disbursement of loan.
• The credit decision is based on a credit model which includes factors like credit history, repayment track record, banking habits, business stability & cash flow analysis which is assessed through a
combination of personal discussion and documentation.
That:
• Incomplete / defective application will not be processed and RBL Bank. RBL Bank shall not be responsible in any manner for the resulting delay or otherwise
• Equated Monthly Installment(EMI) will be due on 5th of every month or the date as specified in the sanction letter/welcome letter.
• The loan Foreclosure charges are as per the Loan agreement. The Foreclosure charges are levied / calculated on the balance principal outstanding of the loan( subject to clause governing par t
prepayments). No foreclosure charges/prepayment penalties on floating rate term loans sanctioned to individual Applicant/ Co-Applicant.
• The Bank would update you about the loan decision in approximately 15 working days from the date of receipt of the completed application form and all the required documents.
• The loan terms as sanctioned are applicable for the specified product as indicated in the loan application and are valid for period of 30 days only. Where for some reasons, there is a delay in
concluding the loan. The Bank reserves the right to revise the loan terms as may be applicable at the time of actual loan availment.
I/We also confirm that
a) The executive has not made any commitments to me /us regarding the loan quantum / sanction process(or) promised any deviation / waivers.
b) The executive has collected self attested copies of the documents mentioned on the front side and verified the same with originals produced by me/us.
c) We have not given/ made any payment in cash, bearer cheque or kind along with or in connection with this loan application to the said executive (or)to any
other employee of the bank(or) to any other third party.
The details of loan terms / conditions inclusive of all charges have been read by me /us in full read out to me/us (in vernacular) and understood by me/us.
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