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Dealer Finance Programme

 Dealers are one of the important channel partners through whom a substantial volume of business is conducted by most of the manufacturers. IDBI Bank's "Dealer Finance Programme" is designed in such a way such that it leads to a better liquidity position by providing various facilities to the dealers, thereby improving the overall business environment.

 
Sr. No  Field  Content 
1 Eligible Segments  Distribution chain partners comprising dealers, stockists, distributors, etc.
2 Facility
  • Overdraft, Cash Credit, Term loan.
  • Other working capital facilities like Bill     Discounting.
  • Non-fund based facilities: LC / BG.
    		•
    3 Purpose
  • OD/ CC: Working capital.
  • TL: Acquisition of fixed assets, renovation of     premises, etc.
    		•
    4 Loan Amount
  • Minimum: Rs.10 lakh
  • Maximum: Rs 500 lakh
    		•
    5 Margin 25% Margin
    6 Tenor 
  • OD/ CC: One year.
  • TL: Up to 5 years with interest reset clause.
  • Other working capital facilities on case-to- case     basis
    		•
    7 Security
  • Exclusive first charge on all assets created out     of Bank Finance
  • Personal Guarantee (PG) of the proprietor /     partners
  • Collateral: In the form of immovable property/     liquid security.
    		•
    8  Pricing  Interest Rate linked to Bank Base Rate.
    8  Processing Charges  1% for 1st time appraisal & 0.50% for renewal to be charged
    		 
         
         
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