• Ratna Business
• Supply Chain Management
• Commercial Vehicle Finance
• Arthia Finance

Ratna business is a unique product offering which caters the business needs of a wide spectrum of clients in the manufacturing, trading and service sector.

• Facility amounts above Rs. 20 Lakhs to Rs. 5.00 Crore
• Attractive rates
• Simple and easy documentation
• Faster processing

Any Manufacturing, trading / service units having:
• Business continuity of 3 years
• Profits in the last two years
• Security coverage as per norms

• Bank Statements for last 12 months for all primary accounts
• Brief history and profile of the company and its promoters
• Audited Financials for last two financial years
• Latest Debtors statement with ageing analysis
• Sanction Letter of an existing bank limit (if any)
• Any other documents as required by the bank at a later stage

We provide integrated financial solutions to supply and distribution channels of the corporate. Our comprehensive financing solution helps buyers and suppliers raise funds for working capital requirements.

This product is exclusively designed to provide financing facility to the Dealer / Distributors of a Corporate exclusively for their purchases made from the Corporate.

Vendor financing is a product to extend working capital finance to vendors having business relationships with approved Corporate. Through this product we discount the bills drawn by the vendor and accepted by the Corporate. It improves the cash flow of the vendor and helps to improve the overall supply chain reliability of the corporate.

Funding for new trucks, buses, tippers, Light Commercial Vehicles (LCV), Medium Commercial Vehicles (MCV) and High Commercial Vehicles (HCV).

• Attractive rates
• Simple and easy documentation.
• Quick turnaround time

Any Individual, Partnership firm or company having:
• Minimum Business experience of 5 years
• Existing owner of at least 2 vehicles
• Captive customers, Transporters and Bus operators

• The loan amount may vary based on applicant's requirement
• Funding can be to the extent of 100% of the chassis value; body funding can only be extended on special requirement as per the product norms

• KYC Documents, Latest Photograph
• Profile of the borrower
• Audited Financials for last two financial years
• Trade References
• Bank Statements
• Credit References
• Any other documents as required by the bank at a later stage

Arthia Finance is a unique product offering under Ratna Business which provides finance to the commission agents otherwise known as "Arthias" against the credit extended to farmers for supply of inputs.

The credit is extended by way of cash credit (hypothecation of book debts and assets).

• Loan amounts above Rs.10 Lakhs to Rs.50 Lakhs
• Attractive rates
• Hassle-free documentation
• Speedy processing

• Commission agents with valid license from the Market Yard / Board
• Business continuity of 3 years
• Commission agents having credit extended to farmers, operating in mandi's and lending to farmers for the purchase of inputs not more than 6 months old from farmers only
• Commission agents who have filed their sales tax returns and / or who have audited balance sheets
• Security coverage as per norms

• KYC Documents, Latest Photograph
• Profile of the borrower
• Audited Financials for last two financial years
• Trade References
• Bank Statements
• Credit References
• Any other documents as required by the bank at a later stage