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Unsecured Loan
Term Loan & OD Facilities Available
Expert Advice
Guidance & Assistance
Top Up Facility
Loan to Get Additional Funds
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| Loan Type | Micro Credit Loan | Income Generation Loan | Micro Business Loan | Enterprise Development Loan |
|---|---|---|---|---|
| Interest Rate | 19.95% p.a. onwards | 19.95% p.a. onwards | 17.95% p.a. onwards | 18.60% p.a. onwards |
Note: The mentioned interest rates are subject to change and depend on the sole discretion of the bank and RBI. GST and service tax shall be levied extra on the mentioned charges .
Related Post: What is the interest rate for Mudra loan in SBI?
JLG is a set of group loan of separate 5 individual borrowers availing business loan and offering mutual guarantee of each other. The loan amount shall vary from members to member of any group.
Features:
Micro business loans are offered by NESFB to vendors and small vendors to meet their day-to-day financial requirements and for business related purposes.
Features
Features
| Type/Category | Micro Credit Loan | Income Generation Loan | Micro Business Loan | Enterprise Development Loan |
|---|---|---|---|---|
| Processing Fee | Nil up to Rs. 25,000, 1% above Rs. 25,000 + GST | 2% of loan amount + GST | 2% of loan amount + GST | 1% of loan amount + GST |
| Foreclosure/Prepayment Charges | NA | 2% on outstanding amount + GST | 2% on outstanding amount + GST | 4% on total outstanding amount in case of takeover |
| Documents Retrieval Charges | NA | Rs. 500 + GST | Rs. 500 + GST | Rs. 500 + GST |
| Loan Cancellation Charges | Nil, processing fee if any shall be retained | Nil, processing fee if any shall be retained | Nil, processing fee if any shall be retained | Nil, processing fee if any shall be retained |
| Bounce Charges | NA | NA | NA | Rs. 500 + GST |
| Swapping Charges | NA | Nil | Nil | Nil |
| Late Repayment Charges | NA | 2% per month on irregular amount for the period of irregularity | 2% per month on irregular amount for the period of irregularity | 2% per month on irregular amount for the period of irregularity |
| Documentation Charges | NA | NA | NA | NA |
| Amortization Schedule charges | NA | NA | NA | NA |
| Stamp Duty | As per Actuals | As per Actuals | As per Actuals | As per Actuals |
| Duplicate Statement Issuance Charges | NA | Rs. 100 + GST | Rs. 100 + GST | Rs. 100 + GST |
Note: The mentioned interest rates, fees and charges are subject to change and depend on the sole discretion of the bank and RBI. GST and service tax shall be levied extra on the mentioned charges .
Applicants can download the application form to apply for any banking product by clicking on this link
NESFB operates from various branches located in the following states:
If in case, customers want to visit the registered head office of NESFB, they can reach to the following address:
North East Small Finance Bank Ltd.
1st & 3rd Floor, Fortune Central,
Basisthapur, Bye lane 3,
Beltola Guwahati, Assam 781028
or,
Call on Toll Free Number- 1800-121-1905 , write email at: customercare@nesfb.com.
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