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

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Plot No-6, S.No-132/B, ICS Colony, Ganeshkhind Road, Pune
+91-20-67086708

Call Toll Free

1800 233 0234

customercare@cosmosbank.in

Weekdays Timings: 10.30 a.m. to 6.30 p.m.

Holiday : 2nd & 4th Saturdays and all Sundays

Quick Loans
Net banking
Attractive Features of Cosmo Merchant Scheme
Loan Type
Working Capital
Scheme Available For
Individuals, Proprietorship Firms, Registered Partnership firms, Pvt. Ltd. Co., LLP.
ROI
9.00%* p.a to @9.50%* p.a

Business – Loan

The scheme aims at providing financial support for the working capital needs of small entrepreneurs.
Loan Highlights
  • Loan Limit
    Above Rs. 5.00 Lakh to Rs. 100.00 Lakh
  • Rate of Interest
    9.00%* p.a with “A” Rating
    9.25%* p.a with “B” Rating
    9.50%* p.a with “C” Rating
  • Time of Disbursement
    15 Days
  • Repayment Period
    For CC- Payable on demand-Review/ Renewal after 12 months.
    For TL- For purchase of shops/ Godown/ Office Premises etc. Repayment period will be given up to 7 to 10 years.
  • Prepayment Charges
    Nil
  • Process charges w.e.f 05.06.2025
    New Proposal - 0.25% + GST
    Review - 0.20% + GST
Foreclosure Charges
  • 3% if the loan account is foreclosed within 12 months from the date of final loan disbursement
  • 2% if the if the loan account is foreclosed after 12 months but before 24 months from the date of final loan disbursement
  • 1% If the loan account is foreclosed 24 months after the date of final loan disbursement
Eligibility
  • Loan is eligible to Wholesale & Retail Medical/ Pharmaceutical / Surgical Distributors .
  • The applicant should become a regular member or nominal member of the Bank in case of no membership.
  • Eligibility on the basis of advances –
    a) For Cash Credit / SLSO - Margin- 25% for stock & Book Debts.
    b) For purchase of premises/ construction/ furniture/ & fixtures the margin will be 25%
Facility
  • Insurance
  • Membership
Documents Required
  • Documents as per the KYC norms of applicants and guarantors
  • Licenses/ registrations applicable as per pharmaceutical industry guidelines.
  • Copy of degree certificate of Proprietor/ partner/ director.
  • Latest financial statements of applicants & guarantors / financial projections.

All above documents along with KYC to be obtained.

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

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Ideal for people
  • Individuals, Proprietorship Firms, Registered Partnership firms, Pvt. Ltd. Co., LLP. ( to ensure continuous flow of business)
Good to Know

  • Cosmo Merchant Scheme Loan Above Rs. 5.00 lakh to Rs. 100.00 lakh in form of Working capital to meet the financial needs of businessman.


    Purpose-
    1) Working Capital for running business activity smoothly.

    2) The business unit should have been established in the line of business for a minimum period of 3 years and making profit for last 2 years.

    3) Form: Available at Branches