Apply For Loan

Policy

TATA MBL Product Portfolio

1. Pre-Approved Program

Loan Amount: ₹1 – ₹15 Lakhs
Key Benefits:

• Based on CIBIL scorecard

• No Business Continuity Proof (BCP) required

• No Ownership Proof required

Eligibility:

• CIBIL-based pre-approval

• Minimal documentation

2. BL Prospect Program

Loan Amount: ₹1 – ₹10 Lakhs
Key Benefits:

• Simple and structured for growing businesses

• Based on actual banking and ownership records

Eligibility:

• CIBIL Score: 675+

• Business Continuity Proof (BCP): Minimum 1 year

• Ownership Proof: Required

• CIBIL Enquiries: ≤ 5

• Banking Requirement: Maintain ABB on dates 2, 4, 10, 17, and 25 for last 6 months

3. EMBL Program

Loan Amount: ₹3 – ₹15 Lakhs
Key Benefits:

• Higher funding based on income documents

• Stable profile targeting established businesses

Eligibility:

• ITR: Minimum 2 years with Certificate of Incorporation (COI)

• Banking: Last 6 months

• CIBIL Score: 700+

• BCP: Minimum 3 years

• Ownership Proof: Required

• CIBIL Enquiries: ≤ 5

4. Smart SME Program (Repayment Surrogate)

Loan Amount: Based on MOB multiplier (Unsecured limit: ₹6–₹9 Lakhs)
Key Benefits:

• Based on repayment behavior

• Suitable for borrowers with recent repayment track

Eligibility:

• MOB (Months on Book) paid history is considered

• Unsecured limit based on MOB multiplier

5. GST Surrogate Program

Loan Amount: ₹3 – ₹10 Lakhs
Key Benefits:

• Ideal for GST-compliant businesses

• Funding based on turnover without income proof

Eligibility:

• Turnover: ₹30 Lakhs to ₹5 Crores (based on GST returns)

• CIBIL Score: 700+

Business Hours

• Monday - Friday - 9am to 6pm
• Saturday - 9am to 2pm
• Sunday - Closed