Internet Banking

At Cosmos Bank, we are committed to helping you meet all your banking needs to the best of our ability. You can access internet banking portal of our website at any hour of the day. There are no fixed timings to use the facilities. Moreover, enjoy the luxury of getting all the work accomplished at the comfort of your home or office, at any hour that is preferable for you


Plot No-6, S.No-132/B, ICS Colony, Ganeshkhind Road, Pune

Call Toll Free

1800 233 0234

Weekdays 10 AM to 6 PM

Sunday : Closed

Attractive Features of Cosmo Small Business Loan Scheme
Overdraft or Term Loan Facility is available.
Easy and rapid Loan processing
Attractive interest rates

Ascend your business to new heights.

A Loan exclusively tailored for ambitious and budding Entrepreneurs; looking for financial aid to start a new enterprise. Funding is a vital factor for any new business. At Cosmos, we want to look at the materialization of your ideas and offer financial support. This loan gives you the advantage to carry out manufacturing, production, and other business-related expenditures without worrying about the money.

This scheme aims to provide financial support for small entrepreneurs' working capital needs. The applicant should obtain an undertaking that the amount will be invested in the company's working capital needs.

Cosmos guarantees you a genuine and efficient service with all our schemes. So, dream big and avail the loan facility at any branch near you.

Loan Highlights
  • Loan Limit
    Amount of loan Max. up to Rs.100.00 Lakhs
  • Rate of Interest
    “A” Rating – 9.00 %
    “B” Rating – 9.25%
    “C” Rating - 9.50 %
  • Time of Disbursement
    15 Days
  • Repayment Period
    On demand. Renewable with necessary documents within 12 months. Term Loan Maximum up to 7 Years.
  • Prepayment Charges
Process Charges
  • 0.50 % for New Proposal
    0.20 % As it is Review.
Foreclosure Charges
  • Within 12 months- 3%,
  • After 12 months but before 24
    months- 2%
  • After 24 months-1%
  • The applicant shall be engaged in Trading/ manufacturing / Service Industries activity with valid licenses.
  • The applicant can be Proprietary concern, Partnership, Firm/LLP/Pvt. Ltd/ Ltd. Co. etc.
  • Cash Credit & Term Loan available.
  • Term Loan - For Purchase of Plant & Machinery, Furniture, Fixtures, Commercial Premises, etc., for Business Purpose.
Documents Required

List of Mandatory documents of the Borrower, Co-Borrower, and Guarantors:

  • Pan card
  • Xerox copy of latest (date within three months) Address proof (MSEB Bill or Telephone bill, or employer letter if address proof is not available)
  • In case of non-availability of Pan card, for Date of Birth proof (Aadhaar Card or school leaving certificate, or Passport copy)
  • Specific loan application with Latest Two Photographs with cross signatures on it.


In case of Salaried –

  • Last three months original/certified salary slip & 16 A (U/s of Income Tax) along with latest Tax Return copy.
  • A Letter from the employer regarding salary will be credited in the bank a/c maintained by the employee till loan a/c gets closed.
  • Appointment letter and relieving letter of the earlier employer if the current job is of less than six months old.
  • Latest increment letter (if applicable)

OR In the case of businessman,

  • Latest three years income tax returns, Assessment orders, Balance sheet, and profit & loss account, with all annexures.
  • Business Registration certificate – Shop Act, PAN Card, CST, BST, in case of trading Dealership letter, SSI/SME license if applicable,
  • Details about nature of business/profession, experience, clientele

Get In Touch

Our Expert will call you back on the number provided by you within 24-48 hours to assist you further. Thank you for your interest in Cosmos Bank

Ideal for people
  • small businesses/shops like: -
    Hardware, stationery and cutlery, grocery shops, bakery, furniture shops, clothing shops, medical shops, hotels, and restaurants along with small manufacturers.
Good to Know
  • Cosmo Small Business Loan Scheme up to Rs 100 lakhs in the form of Cash Credit / Term Loan to meet the financial needs of a small businessman.
  • The scheme is available for Small and Medium-Sized entrepreneurs.