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YES Samriddhi

Scorecard Based Lending

Crafted to meet the needs of businesses engaged in trading, manufacturing and services

Business Banking

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The Scorecard Based Lending proposition is a financing proposition designed to meet the requirements of businesses engaged in trading, manufacturing and services.

Product features may change without notice -for all Products offering.

key attractions

TURNOVER BASED LENDING APPROACH

Turnover based lending approach for assessment of credit limits

FLEXIBLE COLLATERAL REQUIREMENT

Flexible collateral requirement basis score generated through financials, banking and other details

Feature & Benefits

Features

Maximum Loan Amount: INR 5 cr

  • Maximum Loan Amount: INR 5 Cr
  • Fund Based Facilities: Cash Credit, Overdraft, Working Capital Demand Loan , Term Loan, Drop Line Overdraft, Export Credit
  • Non Fund Based Facilities : Letter of Credit, Bank Guarantee
  • Other Trade Related Facilities: CMS Limits and Forward Cover
  • Parameterized template based fast track sanction 
  • Security: Loan against Residential/ Commercial/ Industrial Properties

Benefits

Account level customization

  • Account level customization
  • Anywhere Banking Facility at no extra cost
  • State of the Art Internet Banking Platform with Real time online account
  • Anytime Anywhere banking enabling you to operate your account from any YES BANK branch across the country with no hidden charges

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Documents Required

  • Completely Filled MSME Application Form

  • Last 3 year Financial Statement including latest 2 years Audited Statements along with all schedules

  • Financial Projection for 2 years

  • Income Tax Returns along with computation of Income at least for last 2 years of the Applicant/Co-Applicant/Guarantor

  • GST Returns for Current Financial Year.

  • Statement of Accounts for Last 6 months-for all CC/OD/Current Account.

  • Repayment Track Statement from Starting to Till Date OR First and Latest Sanction Letter with last 6 months Repayment Track Statement

  • Proof of Vintage e.g. Shop establishment , Pollution license, etc

  • KYC documents of Applicant/Co-Applicant/Promoters/Guarantor

  • Property Documents offered as Security

  • Self-Certified/CA certified Net worth statement of the Applicant/Co-Applicant/Promoters/Guarantor

  • Sanction letter of the all Major existing working capital facilities availed by the firm

  • Key group company's latest Audited Financials, along with details of Bank borrowings if any

  • Order in Hand and Important Agreement if any

* All Documents must be self-attested

** These are only indicative and not exhaustive list of Documents.

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