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Catholic Syrian Bank (CSB) Bank?

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Corporate Business Loans from CSB Bank

CSB Bank is one of the up and coming private sector banks in India. CSB Bank, previously known as Catholic Syrian Bank, offers a range of business loans to different segments of its customer base. The bank offers different types of business loans and trade finance, each suitable for different types of businesses.

The corporate business loans from CSB Bank are:

  1. Term Loan for Businesses
  2. Working Capital Loan
  3. Trade Finance
  4. Bill Financing
  5. Corporate Loans
  6. Export / Import Finance
  7. Buyers’ / Suppliers’ Credit
  8. Letter of Credit
  9. Bank Guarantee

We give you a brief intro to four of these business loans below.

CSB Bank Term Loans for Businesses

The loan helps businesses carry out different business and trading activities right from acquiring land and building to purchasing machinery and vehicles. All projects are eligible for this CSB Term Loan as long as they are technically feasible and economically viable.

Features of CSB Bank Term Loans for Businesses

Why this Loan?

  • This business loan can be taken for all manufacturing, processing, repairing, business and trading projects and activities
  • The repayment period for this loan is maximum up to 8 years

CSB Bank Working Capital Loan

The loan helps businesses finance their everyday operations such as for investment in current assets, purchase of raw materials, salary payments, power charges, etc. This a perfect loan scheme for businesses that need help during periods of reduced business activity or while waiting for receipt of payment after completing projects.


Features of CSB Bank Working Capital Business Loan

Why this Loan?

  • The CSB Bank Working Capital Loan can be taken for all projects and activities related to running the business on a day-to-day basis
  • The loan is extended in different forms based on the borrower requirements such as Cash Credit, Letter of Credit, Bill Discounting, Bank Guarantee, etc.

CSB Bank Trade Finance

This loan helps businesses pay for pre-shipment, post-shipment, and other activities right from sourcing, manufacturing or converting semi-finished into finished goods and services to importing raw materials and capital goods. The bank also offers Foreign Bank Guarantee and Foreign Letters of Credit to help businesses dealing in export run their operations smoothly.

Features of CSB Bank Trade Finance

Why this Loan?


  • CSB Bank Trade Finance is meant for you if your business needs funds for any activity directly related to your trade business whether it is pre-shipment or post-shipment. Please get in touch with the bank to get a list of all activities eligible for this loan
  • The repayment period for each loan is set on a case-to-case basis depending on factors such as the nature of project, quantum of loan, repayment capacity of the borrower, etc.

CSB Bank Bill Financing

CSB Bank offers fund-based assistance to businesses by providing advances against inland bills, receipts, DDs and cheques in the form of limit for purchase of bills, advance against bills or discount of bills for genuine trade-related transactions.

Features of CSB Bank Bill Financing

Why this Loan?

  • The CSB Bank Bill Financing Loan is meant for you if your business needs advance against the limit for purchase of bills, advance against bills, discounting of bills, etc. for trade-related transactions
  • The repayment period for each loan is set on a case-to-case basis depending on factors. Please get in touch with the bank to get a list of all activities eligible for this loan

Important Note: Even though the bank’s website has information available for a few business loan schemes at this time, there is a possibility that the bank may offer more corporate loan options that are not yet published on the website. We suggest that you get in touch with the nearest branch to check the loan schemes they offer. This will also help you get a custom quote since many loan schemes are need-based and certain charges such as application charges, service charges, etc. may be decided on a case-to-case basis.

Interest Rate for CSB Bank Business Loans

  • The interest rate for the CSB Bank business loans depends on various factors such as quantum of loan, type of business, risk rating, nature of project, repayment period, structure of debt, etc. As of April 2020, these details are not listed on the bank’s website. Please get in touch with the bank for more information

Eligibility for CSB Bank Business Loans

  • Individuals, Proprietors, Partnership Firms, Private Limited and Public Limited Companies can apply for these loans

Documents Needed for Individuals

  • Loan Application Form duly filled and signed by the applicant and co-applicant, if any
  • Two Passport Size Photographs of applicant and co-applicant
  • Personal ID Proof: Aadhaar Card, PAN Card, Passport or Driving License. PAN Card/ PAN Card Issue Letter is must
  • Signature Proof: PAN Card, Banker’s Verification, Driving License or Passport
  • Residential Address Proof (Any One): Aadhaar Card, Electricity Bill, Post-paid Phone Bill, Valid Rent Agreement
  • Income/Banking Proof: Last 6 months Bank Account Statement of applicant and co-applicant, Loan Statement of Running Loans, Latest Closed Loan NOC, Net Worth of the applicant and co-applicant
  • Security (as applicable): Margin Money, Previous and Current Sales Deed, Plant and Machinery list, Plant and Machinery Current Valuation Report, Property Photographs, Previous Property Search and Valuation Report
  • For term loans: Project report with details on product choice, market survey, projection of production and sales, infrastructural needs, etc.; projected cash and fund flow statement for the repayment period; and copies of all licenses and permits wherever applicable

Documents Needed for Proprietorship and Partnership Firms

  • Loan Application Form duly filled and signed
  • Partnership Deed and Partnership Registration Certificate
  • ID Proof of the Firm: Firm PAN Card or PAN Issuing Letter
  • Office Address Proof: Electricity Bill, Post-paid Phone Bill, Valid Rent Agreement
  • Income Proof: CMA Data and Project Report, Debtors and Creditors Certificate, GST Return, Last 3 years ITR of applicant and co-applicant, Audited or CA Certified Computation of Income/Trading Account/Profit and Loss Account/Balance Sheet, Annual Audit Report and Tax Audit Report if audited, Form 16A if applicable, Net Worth of applicants, co-applicants and guarantors
  • Banking Proof: Last 1-year Statement of Company’s Major Account, Current Account, Cash Credit Account, Overdraft Account, Loan Statement of Running Loans, Latest Closed Loan NOC and Last 6-months Bank Statement of Applicant and Co-applicant’s Savings Account
  • Security (as applicable): Margin Money, Previous and Current Sales Deed, Plant and Machinery list, Plant and Machinery Current Valuation Report, Property Photographs, Previous Property Search and Valuation Report
  • Other Relevant Documents: Partnership’s Business Profile, Promoter/Guarantor’s Profile, Corporate Brochure, Business Experience Supporting Documents, Business References
  • For Term Loans Only: Project report with details on product choice, market survey, projection of production and sales, infrastructural needs, etc.; projected cash and fund flow statement for the repayment period; and copies of all licenses and permits wherever applicable

Documents Needed for Private Limited and Public Limited Companies

  • Application Form duly filled and signed
  • Company ID Proof: Company’s PAN Card
  • Office Address Proof: Electricity Bill, Post-paid Phone Bill, Valid Rent Agreement
  • Business Proof: AOA and MOA, Company Incorporation Certificate, Business Commencement Certificate, Board Resolution, CA/CS verified Share Holding Pattern, ROC Annual Return, DIN Certificate, List of Directors on Company Letter Head, GST Number, Form 32 in case of Director Change
  • Income Proof: CMA Data and Project Report, Last 3 Years ITR Acknowledgement copy of Company and all Directors, Last 3 Years Annual Credit Report or Tax Audit Report with Article 3CB, Article 2D, Article 3CD, TDS Certificate/Form 16A, Net Worth Certificate
  • Banking Proof: Last 1-year Statement of Company’s Major Account, Current Account, Cash Credit Account, Overdraft Account, Loan Statement of Running Loans, Latest Closed Loan NOC and Last 6-months Bank Statement of Applicant and Co-applicant’s Savings Account
  • Security: Margin Money, Previous and Current Sales Deed, Plant and Machinery list, Plant and Machinery Current Valuation Report, Property Photographs, Previous Property Search and Valuation Report
  • Other Relevant Documents: Company’s Business Profile, Promoter/Guarantor’s Profile, Corporate Brochure, Business Experience Supporting Documents, Business References
  • For term loans only: Project report with details on product choice, market survey, projection of production and sales, infrastructural needs, etc.; projected cash and fund flow statement for the repayment period; and copies of all licenses and permits wherever applicable

Reference Facts:

  • Catholic Syrian Bank Website: www.csb.co.in and www.csbnet.co.in (Net Banking)
  • Headquarters: Thrissur, Kerala
  • Call Centre Number: 1800 266 9090