Loans to Merchants and Retailers

We offer loans to Bharat Money Store (BMS) merchants based on transactions and current account behaviour. Merchants are offered loans towards working capital requirements based on the balances maintained and transaction volumes along with other specific credit guidelines.

We offer individual loans for working capital to small retailers (Bharat Super Shop-BSS) who generate daily cash flows. Current account, recurring deposit and loans are offered at their doorstep in addition to the convenience of mobile and WhatsApp banking facility.

* Weighted average interest rate is calculated based on the disbursements done in Q2- FY 2025

Note: Interest rates offered may differ from product variant/scheme selected by the customers and may differ from BC to BC

*Interest rate may differ from BC to BC and basis merchant/retailer type and category.

• Individual (18-65 years).
• Have Officially Valid Documents as KYC.
• Should be small retailer’s/business outlets doing the activity for which loan is being applied.
• Residing within the operational area of Bank though BC.

*Customer final loan eligibility will be determined by the banks loan eligibility criteria set for the specific product.