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
EDB Credit Card Scheme


  • Eligilbility

      Customers of the following segments with a satisfactory trak record for the last two years
    • Small industrial Units (SSI and Tiny units including artisans)
    • Small retail traders under SBF
    • Proffessional and self employed persons
    • Small business enterprises
    • Transport operators will also be covered under this scheme
    • Term Loan upto Rs. 10 Lac can be sanctioned for acquisition of shop under small business enterprise
  • Credit Limit

    • For rural areas Maximum of Rs. 5,00,000
    • For urban areas Maximum of Rs. 10,00,000
  • Disbursement

    • Cash/credit for stocks and current assets purposes
    • Term Loans for buying machinery and tools falling in fixed assets category
    • Composite cards (TL & C/C) where both features are included
  • Rate of Interest

    • Subject to change from time to time
  • Validity

    • Credit card limit will be valid for the period of three years, subject to satisfactory conduct of the account
  • 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

    • The working capital advance may be continued subject to review every year provided the credit summation in the account is not less than 50% of the projected sales turnover. If the credit summation is less than 50% of the projected sales turnover, the outstanding as on the due date of review should be made payable in suitable monthly installments.
    • The term loan will be repayable in suitable installments within a maximum a period of five years
    • In case of the composite loans, only the term loan component will be repayable in installments upto a maximum period of five years
  • Security

    • Primary Security :
      • Hypothecation of stocks in trade receivables/machinery , office equipments
    • Collateral Security :
      • No collateral security for loans upto 5 Lac
      • For Loans above 5 Lac :
        • mortagage of immovable property relizable value of which is atleast 133% of the loan amount
        • Third party guarentee
  • Required Documents


    • Loan Hypothecation agreement
    • Guarentee agreement
    • Arrangement letter
    • D P Note/Take delivery letter
    • Registered mortage deed of immovable property (wherever required)

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
  • RTGS / NEFT
  • Account Portability

Services

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