Looking for a Small Business Loan from CSB Bank?

This page contains all the information you need to make a sensible and sound decision about selecting an MSME loan from CSB Bank.

MSME Loans from CSB Bank

Easily one of the popular, fast-growing private banks in India, CSB Bank offers a wide range of finance products to different segments of its customer base. The bank has a wide array of funded and non-funded facilities for its retail, corporate, MSME, NRI and other customers. As of now, the bank offers five business loans to its MSME customers.

The MSME business loans from CSB Bank are:

  1. Term Loan
  2. Working Capital Finance
  3. Trade Finance
  4. Inland Bill Discounting
  5. Commercial Vehicle Loan

We give you a brief intro to the business loans below.

CSB Bank Term Loan

The loan helps MSME businesses carry out different business activities right from acquiring land and building to purchasing machinery and vehicles. All projects are eligible for this loan as long as they are technically feasible and directly related to the growth and expansion of the business.

Features of Term Loan for Business

Why this Loan?

  • The CSB Bank Term Loan scheme is perfect for MSME businesses that need funds for purchasing long-term assets for the business, acquiring land and property to build a business unit, upgrading machinery and equipment, etc.
  • The loan amount to be sanctioned under this loan is decided by the bank on a case-to-case basis

CSB Bank Working Capital Finance

The loan helps MSME businesses finance their everyday operations such as for investment in current assets, purchase of raw materials, salary payments, power charges, etc.


Features of the CSB Bank Working Capital Loan

Why this Loan?

  • The CSB Bank SME Working Capital Loan can be availed for all projects and activities related to running the business on a day-to-day basis
  • The loan is extended as Cash Credit, Overdraft facility, etc.

CSB Bank Import/Export Finance

This loan helps SME businesses pay for activities related to their trade business right from sourcing, manufacturing or converting semi-finished into finished goods and services to importing raw materials and capital goods in local and foreign currency.

Features of CSB Bank Import/Export Finance

Why this Loan?


  • The CSB Bank MSME Import/Export Finance scheme is meant for you if you need funds for meeting your exports and imports obligations
  • CSB Bank extends this loan in Indian currency as well as major foreign currencies

CSB Bank Inland Bill Discounting Scheme

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 Inland Bill Discounting

Why this Loan?

  • The CSB Bank Bill Discounting Loan scheme is meant for you if your business needs advance against the limit for purchase of bills, advance against bills, discount 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

CSB Bank Commercial Vehicle Loan

This loan helps Small Road Transport Operators in the Micro, Small and Medium Enterprises sector buy commercial vehicles for business use.

Features of CSB Bank Commercial Vehicle Loan

Why this Loan?

  • The CSB Bank Commercial Vehicle Loan is meant for Small Road Transport Operators in the MSME sector acquire funds to purchase commercial vehicles
  • The bank asks for hypothecation of vehicles created with the bank finance as primary security for this loan

Important Note: Even though the bank’s website has information available for a few MSME 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. CSB Bank has not clearly mentioned the actual quantum of loan, repayment period, security, applicable interest rate for any of the MSME loans. All these things are decided by the bank on a case-to-case basis depending upon the borrower’s needs and other factors. We suggest getting in touch with the bank to discuss your requirements and get a custom quote.

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 now these details are not listed on the bank’s website. Please get in touch with the bank for more information

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
  • A4 size copies of the aforementioned documents must be self-attested with blue ink

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
  • All A4 size copies of the aforementioned documents must be self-attested with blue ink

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
  • All A4 size copies of the aforementioned documents must be self-attested with blue ink

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