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MSME > Sulabh Vyapar Business Solutions

Solution to Financial Needs of Traders, Wholesalers and Retailers -
IDBI Bank Sulabh Vyapar Business Solutions



Traders act as a vital link between the manufacturers of goods / commodities and the consumers. The product aims to provide hassle free finance to traders and to meet their business and financial needs at competitive interest rates. Any individual or a firm (partnership or proprietorship) engaged primarily in buying and selling of goods is eligible for this scheme thus offering solution to all the financial needs of the wholesalers / traders / retailers under the Product.

The product details are mentioned in the table below:

Sr. No

Field

Contents

1

Eligible Segments 

Wholesale and Retail Traders, Dealers and Distributors etc..

2

Facility

  • Bullet Fund Based: Over Draft / Cash Credit / Term Loan / Bill Discounting
  • Bullet Non Fund Based: LC / BG

3

Loan Amount

Up to Rs. 500 lakh

4

Pricing

Interest Rate linked to Bank Base Rate and rating

5

Security

Primary: Hypothecation of stocks, receivables, assets financed by bank.
Collateral:

  • Bullet Immovable Residential or Commercial property
  • Bullet Loan amount up to 90% of the property value

6

Margin

  • Bullet 25% on Stock & Book Debts
  • Bullet 25% for Term Loan (New Assets)

7

Processing Charge

Up to 1% of the loan amount



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