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Location 60km from Branch
CIBIL Score 650+
Applicant Any Self Employed
Applicant Age 21 Year to 65 Year
Loan Amount & Tenure 5 Lac-100 Lac
(5 Year to 15 Year)
Login Fees Nil
Rate of Interest & Type 14% to 18% (Reducing)
TAT 4 Days
Processing Fees 1.5% to 2%
Foreclosure Charges Upto 4%+GST
Insurance As per Age of Applicant
Minimum Business Vintage 2 year
Lock In Period 12 Month
Part Payment Allowed No
LTV 1. If Self Occupied Property (i) Residential Property-65% (ii) Commercial Property-55% (iii) Industrial Plot-50%(iv) Approve Plot-50%
2. In case of Rented or Vacant Property - LTV will be 5% less
Product (i) Fresh LAP (ii) BT+Top UP (iii) Seller BT
Program (i) LIP Program-1Cr
(ii) Banking Program-1 Cr
(iii) Income Program-1 Cr
(iv) without ITR-35 Lac
FOIR 80% of Cash Income
Cautious Profile Real Estate, Builders
Negative Profile (i) Salaried Applicant (ii) Jewelers (iii) GYM (iv) Share Traders (v) NBFC
(vi) Liquor Seller (vii) Politician (viii) DSA Profile (ix) Applicant living in dominated area
Funded Property (i) Residential Property (ii) Commercial Property (iii) Industrial Plot(iv) Approve Plot
Negative Property (i) School (ii) Hospital (iii) Hotel (iv) Unapproved Plot (iv) Lease hold Property without PTM
(v) Commercial & Industrial Purchase (vi)Stand Alone Basement (vii) Auction Property
(viii) Malls (ix) Godown (x) Demolition List Property
Accepted Collateral (i) Residential Property (ii) Commercial Property
(iii) Industrial Plot(iv) Approve Plot (v) Subject to Gift Deed (vi) Current Sale Deed
(vii) Khasra Khatauni (viii) Multi Tanented Unit-Upto 5 Tanent(ix) Lal Dora
(x) Stone Slab Property (xi) Sub-divided Property (xii) Registry from GPA after 2011
Specific Property wise Funding Limit (i) Lal Dora-1 Cr
(ii) Stone Slab Property-50 Lac (LTV max 40%)
(iii) Sub-divided Property-1 Cr
(iv) Single Sale Deed-50 Lac
Any Specific Product for Professionals No
USP Funding on Regularized Area Property
Right Documents - Easy Process

Required Documents to Apply for UGRO Capital (Small Vertical)

Salaried income documents

  • KYC of applicant & Co-Applicant
  • Last 3 Month Salary Slip of Applicant
  • Last 12 month Bank Statement of applicant & co-applicant
  • Last 3 year ITR with computation of income of applicant & co-applicant
  • Last 2 Year Form 16 of applicant
  • 26AS of last 2 year of applicant & co-applicant
  • Appointment letter of applicant if available
  • Agreement to Sale if purchase case
  • Property Paper with complete chain of last 13 years
  • LOD (List of documents), Foreclosure Statement & SOA (Statement of account) if BT case
  • Sanction letter of all running loan
  • Latest utility Bill if owned residence or rent agreement if rented
  • 2 Reference with contact details

Self Employed person documents

  • KYC of applicant & Co-Applicant
  • Last 3 year ITR with computation of income of applicant & co-applicant
  • Last 3 year audited balance sheet of applicant
  • Last 3 year Tax audit report of applicant
  • Last 12 month Bank Statement of applicant & co-applicant
  • 26AS of last 2 year of applicant & co-applicant
  • Copy of GST registration
  • Copy of MSME registration
  • Copy of Last 12 month GST return
  • Agreement to Sale if purchase case
  • Property Paper with complete chain of last 13 years
  • LOD (List of documents), Foreclosure Statement & SOA (Statement of account) if BT case
  • Sanction letter of all running loan
  • Debt Sheet
  • Latest utility Bill of residence if owned or rent agreement if rented
  • Latest utility Bill of Office if owned or rent agreement if rented
  • 2 Reference with contact details
  • Last 3 year Debtors & Creditors on letter head
  • List of Directors & Shareholders, if applicant if Company or List of Partners if applicant is Partnership firm/LLP

Some Important Points

1. KYC Means
If Applicant is
  • Company-MOA, AOA, COI , PAN Card
  • Partnership Firm/LLP- Partnership Deed & PAN Card
  • Proprietorship Firm- PAN Card, Adhaar Card, Passport size photo
For Co-Applicant
  • KYC means  Adhaar Card, PAN Card, Passport Size Photo

Co-Applicant means in case of
  • Company : Directors
  • Partnership firm/LLP : Partners
  • Proprietorship Firm : Spouse of Proprietor
2. If LAP is applied with Government Bank then 30 year chain is required
3. If applicant is professional, then his professional degree is required
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