Bank Of India Business Loan - Apply @ 9.70% Interest Rate Online, Eligibility

Updated: 06-03-2024 10:54:25 AM

Bank of India Business Loan Details

Loan amount	Up to Rs. 5 Crores
Tenure	Up to 10 years
Rate of interest	9.70% p.a. onwards
Types	Star MSME E-Rickshaw Finance, Star MSME GST Plus, Star Weaver Mudra Scheme, Star SME Education Plus, Star Start-Up Scheme, Pradhan Mantri Credit Scheme, etc.
Type of facility	Term Loan & Overdraft
Margin	Up to 50%

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Bank of India Business Loan Features & Benefits

Extensive range of Business Loan products.
Caters to every MSME business activity in the manufacturing, services, and trading sectors.
Collateral-free loans available under CGTMSE guarantee cover.
Need-based finance was available for meeting working capital requirements.
Loans available for procuring fixed assets and expansion of business.
Exclusive products to cater to specific business activities.
A host of government-sponsored schemes are available where eligible beneficiaries get the advantage of subsidy in the form of margin money, interest subventions, and direct credit into the account.
Reasonable rates of interest and processing charges.
Concessions available in rates of interest on various MSME loan schemes.

Bank of India Business Loan Interest Rates

Bank of India business loan interest rates are linked to the Base Rate which is 9.70% at present. The rates of interest charged by the Bank of India depend on various factors like the loan amount, tenure, and credit rating (internal) of the borrowing unit. The applicable rate of interest is a combination of the one-year MCLR, a common Business Strategy Spread (BSS) factor, and a Credit Risk Premium (CRP). This CRP depends on the loan amount, loan tenure, and the credit risk rating of the borrower.

Bank of India Business Loan EMI Calculation

You can access our Business Loan EMI Calculator available on our website under Financial Tools. To use the calculator, enter details such as your loan amount, tenure, and rate of interest to get your Business Loan EMI instantly. This calculator provides additional information such as bifurcation of interest and principal repayment.

Here is an example of EMI calculation using MyMoneyMantra EMI Calculator:

Loan amount required: Rs. 50 Lakhs
Applicable rate of interest: 9.70% p.a.
Repayment tenure: 7 years
EMI to be paid by you each month: Rs. 82,233
Total interest to be paid: Rs. 19,07,567
Total amount to be paid by you to the lender: Rs. 69,07,567

Our EMI Calculator also provides the following amortization schedule:

Year	Opening Balance	Amount Paid by customer(EMI*12)	Principal paid during the year	Interest paid during the year	Closing Balance
1	Rs. 50,00,000	Rs. 9,86,795	Rs. 5,24,716	Rs. 4,62,079	Rs. 44,75,284
2	Rs. 44,75,284	Rs. 9,86,795	Rs. 5,77,939	Rs. 4,08,856	Rs. 38,97,345
3	Rs. 38,97,345	Rs. 9,86,795	Rs. 6,36,560	Rs. 3,50,236	Rs. 32,60,785
4	Rs. 32,60,785	Rs. 9,86,795	Rs. 7,01,126	Rs. 2,85,669	Rs. 25,59,659
5	Rs. 25,59,659	Rs. 9,86,795	Rs. 7,72,242	Rs. 2,14,553	Rs. 17,87,417
6	Rs. 17,87,417	Rs. 9,86,795	Rs. 8,50,571	Rs. 1,36,224	Rs. 9,36,845
7	Rs. 9,36,845	Rs. 9,86,795	Rs. 9,36,845	Rs. 49,950	Rs. 0

Bank of India Business Loan Types & Eligibility

Following are the business loan types offered by the Bank of India with their features and eligibility criteria:

Star MSME E-Rickshaw Finance
Objective	Provide finance to transport operators in the micro category to generate employment opportunities.
Eligibility	Individuals, transport operators, proprietorship concerns, partnership firms, and associations.
Purpose	Purchase of new E-rickshaws and funding the cost of one-time battery replacement.
Facility	Term Loan
Quantum	Maximum Rs. 5 Lakhs One borrower-one e-rickshaw Not more than three e-rickshaws to a single borrower under the scheme
Margin	15% of invoice cost or 20% of on-road price Battery replacement allowed after one year: 25% of the battery replacement cost.
Repayment	E-rickshaw: 48 months including one-month moratorium Battery: 18 months including one-month moratorium
Security	Hypothecation of vehicle CGTMSE guarantee cover
Rate of interest	First vehicle: 9.40% Subsequent vehicles: 9.90% Battery Replacement: 10.40%
Service charges	First vehicle: Rs. 1,000 Subsequent vehicle: Rs. 2,000 Battery replacement: Rs. 500
Insurance	Compulsory
Other compliances	ICAT/ARAI approval Registered with local RTO

Star MSME GST Plus
Purpose	Meet working capital requirements of trading and manufacturing MSME units
Facility	Working Capital limit (FB and NFB)
Eligibility	Registered MSME units having valid GSTIN and complying with entry-level norms
Quantum	Minimum: Rs. 10 Lakhs Maximum: Rs. 5 Crores
Margin	Stocks: 25% Book Debts: 40%
ROI concession	0.50% in applicable ROI
Assessment	Based on turnover specified in GSTR 1 or GSTR 4 returns
Security	Hypothecation of stocks/book debts
Collateral	CGTMSE coverage available Where CGTMSE is not applicable: Minimum Counterparty Credit Risk (CCR) of 65%.

Star Weaver Mudra Scheme
Purpose	Meet working capital (WC) and term loan (TL) requirements of weavers
Eligibility	Existing and new weavers engaged in weaving activities in rural and urban areas
Facility	Cash Credit and Term Loan
Quantum	Cash Credit: Minimum Rs. 1 Lakh (Rs. 50,000 and for silk weavers) and maximum Rs. 5 Lakhs. TL: Maximum amount is Rs. 2 Lakhs Composite limit: Maximum Rs. 5 Lakhs
Margin	20% of the project cost The government of India bears the margin money to the maximum extent of Rs. 10,000. The borrower has to bear the margin over the Government contribution.
Repayment terms	Term loan repayment tenure between three and five years
Subsidy	Margin money assistance up to a maximum of Rs. 10,000 Interest Subsidy with the borrower bearing 6% and the difference being borne by the Government up to the extent of 7% Annual guarantee fee of CGTMSE incurred by the Government
Issue of Mudra Card	Loans up to Rs. 50,000 thru Mudra Card Above Rs. 50,000 by way of CC A/c
Validity	Three years
Security	Hypothecation of assets and CGTMSE guarantee cover
Rate of interest	As applicable to Micro-enterprises Rs. 50,000 to less than Rs. 2 Lakhs: 9.90% Rs. 2 Lakhs to Rs. 5 Lakhs: 10.90%

Star SME Education Plus
Target	Educational institutions
Eligibility	Government approval for running the educational institutions is necessary Submission of three years audited financial statements Continuous profit for a minimum of two years New institutions are eligible subject to conditions Entre level credit rating should be SBS 5
Purpose	Construction/alteration/repairs and renovation of the building Purchase of office and lab equipment and furniture
Facility	Term Loan
Quantum	Minimum Rs. 10 Lakhs Maximum Rs. 5 Crores
Repayment tenure	Maximum of 8 years including moratorium of 12 to 18 months
Margin	20%

Star Start-Up Scheme
Objective	Funding eligible start-ups as per Government policy
Eligibility	All likely Startup enterprises
Purpose	Meet all financial requirements of start-up enterprises
Facility	Term Loan, Working Capital, and Non-fund based facility
Quantum	Minimum of Rs 10 lakhs and maximum of Rs 5 Crores
Margin	TL: 25% WC: 10%
ROI concession	1% concession
Processing charges	Waived
Security	All assets purchased out of bank loan Collateral: CGTMSE guarantee cover up to the extent permissible Beyond the permissible amount: Bank can insist on the provision of adequate collateral.
Validity	Five years or turnover achieving Rs. 25 Crores whichever is earlier

BOI Star Doctor Plus
Objective	Meet financial requirements of doctors and other healthcare professionals
Eligibility	Qualified doctors in all fields of medicine including physiotherapy and occupational therapy. Non-individual borrowers eligible if qualified doctors hold a minimum of 51% stake. Minimum age: 25 years Maximum age: 60 years
Purpose	Acquire premises to set up clinics, nursing homes, hospitals, and pathological labs or set up on rented premises subject to compliance with lease requirements. Expansion, renovation, or modernization of existing premises Purchase furniture, renovate existing clinics Purchase medical equipment including diagnostic equipment Purchase of ambulances WC requirements
Facility	Term Loan, Vehicle Loan, or Working Capital limit
Repayment	Term Loan: Five to Ten years including moratorium of one year to two years depending on the purpose Capitalisation of interest allowed Vehicle Loan repayable in five to seven years
Quantum	Need-based: Term Loan Vehicle Loan: Maximum Rs. 1 Crore Working Capital: Maximum Rs. 1 Crore
Margin	Building: 25% Equipment: 15% Ambulance: 15% Working Capital: Nil
Security	Hypothecation of assets Equitable mortgage of land and building
Collateral	CGTMSE Guarantee available up to Rs. 1 Crore Loans up to Rs. 10 Crores: No insistence of collateral Above Rs. 10 Crores: Minimum 20% collateral
Rate of interest	TL and WC: 9.90% In the case of provision of collateral: Above 25% up to 9.65% Above 50% up to 9.40% Vehicle Loan: 9.90%, in the case of women holding more than 51% shareholding, a concession of 0.50% is applicable.
Processing charges	50% concession
Other benefits	Waiver of processing charges on retail loans to spouse Free internet banking and debit card 50% discount on D-Mat A/c maintenance No prepayment, if done from own sources Top Up facility available

Trade Receivable Discounting Scheme
Objective	Addressing critical needs of MSMEs of en-cashing receivables and eliminating credit risk.
Eligibility	MSME units supplying goods and services to Corporate entities, Government departments, and PSUs.
Facility	Bills Discounting, Invoice factoring
Quantum	Need-based
Rate of interest	As applicable to MSMEs
Benefits to sellers	Competitive prices Payment received on T+1 day No follow up required with buyers Not dependent on a single financier Efficient liquidity management
Benefits to buyers	Negotiate better with MSME vendors Lower costs of inputs Efficient cash-flow management Ensure that their vendors do not face a liquidity crunch

Star SME Contractor Credit Line
Target	All types of contractors including civil, transport, engineering, and mining
Eligibility	Sole proprietorship, partnership firms, and Pvt Ltd Companies engaged in the business for the last three years, having audited financials, and entry-level credit rating of SBS 5.
Purpose	Meeting WC needs
Facility	WC Limit including NFB facility
Quantum	Minimum Rs. 10 Lakhs Maximum Rs. 5 Crores
Appraisal	30% of the average turnover of the last two years 2/3 of the amount will be WC limit and 1/3 for NFB limit
Margin	20% for WC limit and 15% cash margin for NFB limits
Security	Hypothecation of assets of the company Collateral: Maintenance of asset cover of 1.50

Star SME Auto Express
Target	All existing SME units
Eligibility	Sole proprietorship concerns, partnership firms. Pvt Ltd Companies, trusts, and societies conforming to the SME definition. Have sufficient funds to pay the margin and recurring expenses A satisfactory account with the entry-level credit rating of SBS 5
Purpose	Buy transport vehicles for delivering products Educational institutions can purchase school buses No second-hand vehicles allowed
Facility	Term Loan
Repayment	Maximum of 84 months including three months moratorium
Margin	20% of the on-road price of the vehicle
Security	Hypothecation of the vehicle with bank's name entered in RTO records and RC book of the vehicle. Collateral: CGTMSE guarantee cover available

Star SME Liquid Plus
Target	All eligible SME units with a minimum existence of three years with audited financial statements.
Eligibility	Profit-making SMEs for the last two years with a minimum credit rating of SBS 5
Purpose	General purposes for SMEs, purchase of machinery, preliminary expenses
Facility	Term Loan
Quantum	Minimum Rs. 10 Lakhs and maximum of Rs. 5 Crores
Repayment	84 months including moratorium of 12 months
Margin	25% of project cost or 50% of the unencumbered value of property

SRTO Scheme
Eligibility	Individuals, proprietorship, partnership firms, Limited company, societies, and trusts
Purpose	Purchase of commercial vehicles, earthmoving equipment, excavators
Facility	Term Loan
Margin	15% of Project Cost
Repayment	Five to seven years with a holiday period of three years

Star Laghu Udhyami Samekit Loan
Target	MSE units all over India
Facility	Composite Loan
Purpose	Meet working capital requirements and other business requirements like investing in fixed assets.
Maximum quantum	Rural areas	Semi-Urban	Urban	Metro areas
	Rs. 5 Lakhs	Rs. 10 Lakhs	Rs. 50 Lakhs	Rs. 1 Crore
Margin	15%
Repayment	Maximum of five years with a holiday period of three to six months
ROI concession	No term premium
Security	Hypothecation of assets purchased with bank finance EM of land and building CGTMSE Cover
Processing charges	Up to Rs. 1 Lakh: Rs. 500 Up to Rs. 5 Lakh: Rs. 1,000 Up to Rs. 10 Lakhs: Rs. 1,500 Up to Rs. 50 Lakhs: Rs. 5,000 Up to Rs. 1 Crore: Rs. 10,000

Technology Upgradation Fund Scheme
Objective	Promote ease of doing business and help the Government achieve its vision of generating employment.
Purpose	Enable textile and jute industries to upgrade their technology and promote exports
Subsidy	One-time Capital Subsidy for investment in employment and technology-intensive segments of the textile industry.
Eligibility	All MSME units engaged in the textile industry such as weaving, knitting, processing of yarns and fibres, garment making, handloom, silk, and jute industry.

Pradhan Mantri Credit Scheme
Objective	Provide financial assistance to decentralized power loom units and weavers
Purpose	Meet WC requirements and capital investment needs
Components	Prime Minister Mudra Yojana Scheme Stand-Up India Scheme
Categories	Category 1: Existing power loom units and new individual or group entities engaged in weaving activity Category 2: Power loom units established by SC/ST or managed by a woman entrepreneur
Subsidy	Available in the form of Margin Money and Interest Reimbursement

Government Sponsored Scheme:

Pradhan Mantri Mudra Yojana
Objective	To bring as many un-regulated microenterprise units under the banking umbrella
Eligibility	Any individual, woman, proprietorship concern, partnership firm, Pvt Ltd Companies, and other entities.
Purpose	Set up existing microenterprise business
Facility	DL, TL or WC facility
Quantum	Shishu: Up to Rs. 50,000 Kishore: Up to Rs. 5 Lakhs Tarun: Up to Rs. 10 Lakhs
Repayment	36 months for Demand Loan 84 months for Term Loan
Margin	Shishu: Nil Kishore: 15% Tarun: 15%
Security	Hypothecation of all assets acquired from the bank loan Collateral: Guarantee cover of NCGTC under Credit Guarantee Funds for Micro Units

Stand Up India Scheme
Purpose	Financing SC/ST and women entrepreneurs
Objective	Finance bank loans between Rs. 10 Lakhs and Rs. 1 Crore to SC/ST and women entrepreneur to set up a Greenfield enterprise.
Eligibility	Minimum age: 18 years Only Greenfield projects eligible for finance In the case of non-individuals, SC/ST individuals should have a minimum stake of 51%. Should not be a defaulter
Facility	Composite Loan
Quantum	Minimum Rs. 10 Lakhs and maximum of Rs. 1 Crore
Repayment	Maximum 84 months with a maximum moratorium of 18 months
Security	Hypothecation of assets financed through bank Collateral: Credit Guarantee Fund Scheme for Stand-Up Loans
Disbursement	WC limit up to Rs. 10 Lakhs by way of OD with the issuance of Rupay Card Above Rs. 10 Lakhs, the sanction is by way of Cash Credit Limit
Margin money	25% in convergence with eligible Central/State scheme

Prime Minister Employment Generation Programme
Objective	Generate job opportunities in rural and urban areas by setting up self-employment ventures/projects.
Eligibility	Any individual above 18 years Minimum VIII pass for projects costing over Rs. 10 Lakhs in the manufacturing and Rs. 5 Lakhs in the services sector
Margin	5% to 10% of the project cost
Margin Money Subsidy	15% in urban areas and 25% in rural areas

Deendayal Antyodaya National Urban Livelihoods Mission – DAY-NULM
Categories	Two types: SEP – I (Self-Employment – Individual) SEP – G (Self-Employment – Group)
Eligibility	Individuals: Minimum age 18 and maximum is 70 years Group: Minimum three members in a group with 70% of group members coming from low-income group families.
Quantum	Maximum Loan Rs 2 lakhs per individual with a maximum exposure of Rs 10 lakhs per group.
Margin	Up to Rs. 50,000: Nil More than Rs. 50,000: 5% to 10%
Repayment	Seven years
Guarantee cover	Available
Subsidy	Interest subsidy

Star Weaver Mudra Scheme
Objective	Timely financial assistance to weavers
Purpose	Meet working capital and term loan requirement of weavers
Eligibility	New and existing handloom weavers involved in weaving activity
Facility	WC and TL
Quantum	WC facility: Minimum Rs. 50,000 (Rs. 1 Lakhs for silk weavers). The maximum amount is Rs. 5 Lakhs. Term Loan: Maximum Rs. 2 Lakhs Composite Loan: Maximum Rs. 5 Lakhs
Subsidy	Interest subsidy available where the borrower will bear 6% interest with the balance funded by the Government up to a maximum of 7%. Margin money assistance: 20% of the cost of the project subject to a maximum of Rs. 10,000. CGTMSE fees to be borne by the Government
Mudra Card	Loans up to Rs. 50,000: Mudra Card Above Rs. 50,000: By regular CC A/c
Validity	Three years
Security	Hypothecation of assets CGTMSE guarantee cover
Rate of interest	As applicable to MSME Above Rs. 50,000 up to Rs. 2 Lakhs: 9.90% Above Rs. 2 Lakhs and up to Rs. 5 lakhs: 10.90%

Cluster Financing
Objective	Cluster-based scheme to provide financial assistance to a pool of borrowers engaged in a common activity in a specific geographical area.
Identification	Depends on the potential available Minimum 30 units to be active within the cluster Cluster identified by UNIDO, Ministry of MSME
Purpose	WC and TL requirements and NFB needs of units/borrowers in a particular group
Facility	Working Capital, Term Loan, and NFB limits
Quantum	Need-based
Eligibility	MSME units having valid GST registration
Security	All eligible accounts covered under CGTMSE guarantee

Export Finance & Finance to Corporate sector
Bullion Banking	Export Finance	Channel Credit
Discount Future Cash Flows	Foreign Currency Swing Limit	Exporters Gold Card
Dual Currency Swing Limit	Bill Finance	Bank Guarantee

Documents Required for Bank of India Business Loan

The general documents necessary for Bank of India Business Loan are as follows:

Identity Proof (any one of): Self-certified voter ID card, driving licence, PAN Card, Aadhaar Card, Passport, or photo ID issued by any Government authority.
Address Proof (any one of): Recent telephone bill, property tax receipt, electricity bill, voter ID card, the passport of proprietor/partners/directors, Aadhaar card, or certificate issued by Government authority.
Proof of SAC/ST/Minority.
Business Proof: Copies of licences, GST registration, rent agreement, or other documents that indicate business ownership.
Statement of account for the last 6 months from the previous banker, if any.
Financial statements, ITR for the last 2 years.
Projected financials for the next year in case of working capital limits and the entire period of the loan for a term loan.
Sales performance during the current financial year.
Proforma invoices of machinery, vehicles, or any other equipment.
Assets and Liabilities statement of all borrowers.
MOA and AOA of companies.
Partnership deed of partnership firms.
Property documents in case of collateral being offered.

How to Apply for a Bank of India Business Loan?

Follow the steps mentioned below to apply for a Bank of India business loan through MyMoneyMantra:

Go to our website and choose the Business Loan option
The system will seek details from you regarding your name, age, and the amount of loan you are looking for. It will also inquire about the purpose of the loan, your location, and the place where you would like to set up your business.
Please share your mobile number and email details with us
We will send an OTP that you have to enter at the appropriate location to access the loan products page.
This page enables you to compare the various Business Loans of the Bank of India as well as other banks.
Our relationship managers will assist you in selecting the ideal option to suit your preferences
They also help you with the compilation of the documents and submitting them to the bank. It makes the loan processing easy.

Other ways to apply for Bank of India Business Loan

You can visit the local branch of Bank of India and submit the documents along with the completed loan application form. Bank of India has offices in almost every town in India. Applicants can also download the application form from the official website of Bank of India.
It is also possible to apply for Business Loans online. Bank of India is an active participant in the Psbloansin59minutes.com initiative.

Bank of India Business Loan Charges

Processing fees: Up to Rs. 300 per lakh with a maximum of Rs. 15 Lakhs
Documentation charges: Up to Rs. 20,000
Inspection charges: Up to Rs. 3,500
Equitable Mortgage Charges: Up to Rs. 50,000
Amendment or Modification of Sanction terms: Up to Rs. 50,000
Prepayment Charges: Up to 0.50% on the prepaid amount for the residual period of the loan.

Bank of India Business Loan Customer Care

Customers can make general enquiries at the following toll-free numbers:

1800-220-229
1800-103-1906

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Bank Of India Business Loan FAQs

Is it necessary to have an account in Bank of India to avail Business Loans?

No, it is not compulsory to maintain accounts in Bank of India if you wish to avail loans from the bank. However, it becomes easy for the bank to process your loans and ensure prompt repayment if you maintain your business account the bank. The bank finds it easy to monitor your account, whereby it becomes convenient at the time of the annual review.

How do you repay the Bank of India Business Loan EMI?

The most convenient way of repaying the Business Loan EMI is to maintain a standing instruction order with the bank. It ensures prompt repayment on the due date. Alternatively, you can deposit PDCs in advance or have ECS instructions set up to clear the instalment on the due date.

Can I foreclose the Bank of India Business Loan?

Yes, it is possible to foreclose the Bank of India Business Loan. Individual borrowers do not incur any penalty for foreclosing the loan.

What types of non-fund based facilities are available with Bank of India?

Bank of India has many Business Loan products that enable the borrowers to avail non-fund based facilities. The bank opens Letters of Credit, both inland and foreign. At the same time, the bank also issues bank guarantees on behalf of its customers.

Can I repay my Bank of India Business Loan through mobile banking?

Yes, it is now possible to transfer funds from one account to another using the mobile banking channel. Bank of India offers mobile banking application to enable you to transact online and repay your Business Loans as well.

What is the benefit of the CGTMSE guarantee?

The primary advantage of the CGTMSE guarantee is that you can avail collateral-free loans. You do not have to provide security in the form of mortgage of your property. This facility is advantageous to MSE units that do not have facilities to offer collateral.

How does CGTMSE guarantee protect the banks?

CGTMSE guarantee cover protects the banks from the default of the customer. In case the account turns into NPA, the bank can invoke the guarantee cover and lodge the claim with the trust. It protects the bank to a large extent.

What are the prime requisites to avail CGTMSE guarantee cover?

CGTMSE guarantee is available to micro and small enterprises alone. Credit limits up to Rs. 2 Crores are eligible for the guarantee cover. The rules stipulate that the banks should not ask for any other collateral or third-party guarantee if they propose to extend CGTMSE protection to the borrower. The borrower has to pay the guarantee fee and annual service charges to keep the guarantee in force.

Can a borrower avail CGTMSE guarantee for part of the loan while providing collateral for the balance amount?

No, this facility is not available. Borrowers can provide collateral for the entire amount and not avail the guarantee cover at all. They can avail the cover for one loan and offer collateral for another one if they have two separate loan accounts.

Can I avail CGTMSE cover for a Business Loan sanctioned for constructing factory building?

Yes, MSE units can avail CGTMSE cover for such loans provided they are otherwise eligible. However, the borrower should mortgage the land and building with the bank, as the mortgage forms part of prime security.

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