SME Loan

“Expand your business with SANIMA SME Loan”

Sanima Bank’s SME Loan offers a wide-array of financial products to Small & Medium Enterprises. Sanima as your partner will help, support and grow your business to take it to the newer heights, delivering cost effective solutions at almost every geo-locations in the country with promptness and convenience. Sanima offers fast track loans for SMEs under the following schemes. Loans under SME are approved subject to fulfillment of terms and conditions laid down by the Bank which includes risk analysis on the Management, Business, Financial parameters etc.


Our Products and Services under SME Banking include:

  • Working Capital Financing
  • Term Loan
  • Hire Purchase
  • Import Loan
  • Export Loan
  • Short Term Loan
  • Letter of Credit
  • Bank Guarantees
  • Bills Purchase/Discounting/Negotiation/Collection


-    Tenure: 1 year (for working capital Loan) up to 10Years (for Term Loan)

-    Service Charge: Up to 0.75% on approved loan limit

-    Financing: from Rs. 10 million up to Rs.  50 million           


  • Manufacturing, trading and services units
  • Minimum track record of three years
  • Profits in the last two years
  • Minimum security coverage

List of Documents Required

  • Profile of the firm and related promoters/proprietor
  • Financials of the client/unit for the latest 2 years
  • Bank statements of the client/unit for the last 12 months
  • Copy of title deeds of the property with Tax Receipts
  • Copies of all lease and sub lease agreements in connection with the property
  • Registration and PAN of the client/Unit.
  • MOA and AOA in case of Company or Partnership Deed in case of partnership firm
  • Latest 2 years Balance Sheets
  • Bank statements of the directors or partners for the last 6 months
  • Citizenship of all the directors , Proprietor or partners
  • Networth declaration of all the directors or partners


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