| i. Overdraft Loan: |
| We offer financing to meet your company's working capital requirements, starting from the purchase of raw material to the financing of receivables. This facility can be provided as an overdraft with tenures upto 365 days. |
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| ii. Hypothecation Loan: |
| We finance against hypothecation of current assets (Stocks and Account Receivables) to meet your short-term cash requirement in the form of revolving hypothecation loans for tenures upto 365 days. |
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| iii. Structured Overdraft secured against Govt. Bonds: |
| We finance your current cash flow needs at concessional rates against security of government bonds. |
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| iv. Loans against government bonds: |
| Short term loans of upto one year are provided against security of government bonds. |
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| v. Loan against RBB fixed deposit: |
Concessional short term loans provided against security of fixed deposits with RBB.
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| vi. Pledge Loan: |
| Short term loans for upto six months against pledge of inventory. |
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| vii. Priority/Deprived Sector Loans: |
| RBB offers loans to priority/deprived sectors to fulfill its mission of Sustainable Development. We strive to balance our current and long-term financial goals with the economic, environmental and social needs of future generations. The bank believes priority/deprived sector finance is a very powerful tool that can be used effectively to address poverty, empower the socially marginalised poor and strengthen the social fabric. |
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| viii. Trust Receipt Loan: |
| Import Credit facility is offered to importers to meet funding requirement from the port of discharge to either a custom point or warehouse of the importer. |
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| ix. Term Loan: |
| We finance capital expenditures of businesses in the form of Term Loan for periods of two to seven years. Term loans are generally secured by first charge on fixed assets. Generally, this is a long term loan for acquiring or purchasing machinery, equipment, land and building. |
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| x. Packing Credit (Export) Loan: |
| Packing credits provide an exporter with finance purchase/import of raw materials, processing and packing of the goods meant for exports. This smoothens the exporter's cash flow while the goods are being packed and waiting for shipment. The advance is repaid when the goods are shipped. |
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| xi. Margin Lending against shares: |
| You can now get cash against your portfolios at attractive interest rates if they are amongst our list of approved securities. This scheme guarantees you instant liquidity against your securities. |
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| xii. Loan Against First Class Bank Guarantee: |
Loans for varying tenures against guarantee of first class global banks.
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| xiii. Hire Purchase Loans: |
| Purchase of office equipment, vehicles, machinery etc is possible through our Hire Purchase Schemes. You may also consider various other retail banking products. |
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| xiv. Consortium Lending : |
| If your credit need is a large one, we arrange Loan Syndication by involving other banks with which we have working relationships |