Welcome to Official Website of Ellaquai Dehati Bank  
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Let us help you shape the future:

Now avail your Rupay Cards for easy and hassle free money at your disposal. Contact your respective Branch for the same. Kissan Credit cards, Now Our farmers will never be short of cash when in need

Micro / Small / Medium - Enterprenuers
Traders Easy Loan Scheme

  • Eligilbility

      Customers of the following segments with a satisfactory track record
    • Wholesale and retail traders in agricultural or industrial commodities
    • Professional and self employed
    • Small Business enterprise
    • Commision agents engaged in purchase and sale of food grains and other commodities
    • Oil mills
    • Rice mills
    • Cold Storage units upto Rs. 1 Crores
  • Credit Limit

    • Minimum of Rs. 5,00,000
    • Maximum of Rs. 500,00,000
  • Disbursement

    • Cash/credit for stocks and current assets purposes
    • Term Loans for buying machinery and tools falling in fixed assets category
  • Rate of Interest

    • As applicable to mortage loan
    • Processing charges apply as 1% of loan amount sanctioned
  • Validity

    • Term loans limit will be with monthly repayments schedule and has to be reviewed annually
    • Cash credit is valid for one year and has to be renewed every year subject to review at the end of the year and renewal after three years in case of cash credit accounts
  • Insurance and inspection

    • Fixed Assets / Stocks hypothecated to bank will be fully insured atleast to secure the banks interests
    • Quality inspection / monitering to ensure the end use of funds
    • Obtention of stock statement on february of every year
  • Repayment

    • Cash credit -- on demand
    • Term loan up to a maximum of 60 months based on cash flow in monthly / quaterly / half yearly installements
  • Security

    • Primary Security :
      • Hypothecation of stocks in trade receivables/machinery
    • Collateral Security :
      • Tangible collateral security in the form of the equitable or registered mortgage of land and building
      • Open land whether inside or outside of the municipal limits should not accepted as collateral
  • Required Documents

    • As applicable to existing mortage loan scheme

Now SMS Banking and NEFT/RTGS available at all CBS branch with single IFSC Code : SBIN0RRELGB.

Important Information

  • Right to Information Act
  • Service Charges And Fees
  • Loan Interest Rates
  • Deposit Interest Rates
  • Banks Ombudsman
  • Branch Locator

Our Highlights

  • ATM Debit/Rupay Cards
  • Direct Benefit Transfer
  • Account Portability


  • Agricultural Loan
  • Educational Loan
  • Home Loan
  • Gold Loan
  • Vehicle Loan
  • Domestic Deposits