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

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Sahaj Vyapar Loan


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 details of the product are mentioned below:
Eligible Segments

All business entities (engaged in Trading Activity (both retail and wholesale).


Fund Based : Cash credit Overdraft/Term Loan/Bill Discounting
Non Fund Based: LC/BG

Loan Amount

Minimum: Above Rs. 10 lakh
Maximum: Rs. 500 lakh

  • OD/ CC/ BG – 12 months

  • TL – Up to 5 years.


Linked to banks Repo Linked Lending Rate (RLLR) and Rating


Hypothecation of stocks, receivables, assets financed by bank.
Immovable Residential /Commercial or Industrial property


Cash Credit : 25% on stock and Book debts
Overdraft : NIL
Term loan : 25 %

Processing Charges

Up to 1% of the loan amount.