• Pre-Payment Charges: Nil
• Repayment: 12 months.
• Processing Charges: 1% (Lowest in the Industry).
• Pre-closure Penalty: 2% of outstanding loan amount at the time of closure (If taken over)
• Maximum Amount: Up to Rs.5 Lakh.

• Clean cash credit for Traders/Businessman/Professional Etc. to meet their working capital requirement.
• To expand their operations, open new locations, or invest in new product lines.
• To acquire necessary equipment or technology to enhance productivity and efficiency.

Collateral security for a Janata Vyapar Yojana loan may include assets such as property, inventory, machinery, or personal guarantees, depending on the loan amount and the borrower’s financial profile.

• Guarantors: Minimum 2 guarantor with good net worth and regular income above Rs.25,000/-Per month.
• Collateral: 25% of limit sanctioned in the form on FDR/NSC/LIP (SV).

• For Retail Traders dealing in Pharmaceutical/Medical Products, Hospital /               Surgical Equipements: 11.00% P.A.  
• For Other Retail Trade/Business, Professions etc.: 11.50%P.A.
• For all category borrowers: 12.50%P.A.