MSME Secured Business Loan
Secured funding for traders, manufacturers and service businesses to grow with confidence.
Built For Every MSME
Use your property to raise long-tenure, affordable funds for working capital, machinery, inventory or new premises.
Built For Every MSME
Traders
Wholesale and retail traders funding inventory and expansion.
Manufacturers
Small factories funding machinery and capacity.
Service Businesses
Clinics, workshops, agencies and professionals.
Features & Benefits
- Working capital and term funding
- Udyam-registered MSMEs welcome
- Cash-flow based assessment
- Tenures up to 15 years
- Balance transfer available
- Dedicated relationship officer
Eligibility Norms
- Proprietorships, partnerships, LLPs and private limited companies
- Minimum business vintage as per policy
- Clear property title
Documents Required
KYC Documents
- PAN card of applicant and co-applicants
- Aadhaar / voter ID / passport
- Business address proof
Income Documents
- Last 12 months' bank statements
- ITR / GST returns (if available)
- Business registration or Udyam certificate
Property Documents
- Title deed / sale deed and chain documents
- Approved building plan
- Latest property tax receipt and society NOC (if applicable)
Apply In Simple Steps
Apply
Share your requirement online, over the phone or at your nearest IndoStar branch.
Property & Cash-Flow Check
We assess your property title and business cash flows — not just your ITR.
Sanction & Disbursal
Sign the agreement and receive funds directly in your bank account.
Interest Rates & Fees
- Interest rates are linked to the property type, loan-to-value and applicant risk profile, as per IndoStar's interest rate policy.
- Processing fees and legal / valuation charges are disclosed upfront in the sanction letter.
- No foreclosure charges on floating-rate loans to individual borrowers for non-business purposes, as per RBI guidelines.
Frequently Asked Questions
Is MSME loan against property cheaper than an unsecured business loan?
Secured loans generally carry lower rates and longer tenures than unsecured loans, as they are backed by property.