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RBD Secured

Property-secured overdraft up to ₹2 crore for agriculture-business working capital, reviewed or renewed annually.

Interest rateRefer the current Indian Bank Lending Rates link; no product-specific percentage is printed.Maximum amount₹2 crore maximum exposure.TenureRunning limit subject to annual review/renewal; no fixed month/year tenor is published.
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Quick eligibility check

RBD Secured

0 of 9 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: fresh units need a limit above ₹10 lakh and a satisfactory promoter track record?

Published source: Minimum income

2Do you meet this requirement: Agro/food-processing, agriculture-infrastructure, animal-husbandry, large dairy/poultry, tea and other large agriculture units?

Published source: Eligibility

3Do you meet this requirement: existing units need a good track record, while fresh units need a limit above ₹10 lakh and satisfactory promoter track record?

Published source: Eligibility

4Do you meet this product condition: 40% security-value margin applies?

Published source: Eligibility

5Do you meet this requirement: Existing-unit or promoter track-record evidence?

Published source: Required documents

6Document checkDo you have at least one of these required documents: Evidence of existing-unit track record or fresh-unit/promoter track record?

Published source: Required documents

7Document checkDo you have this required document or proof: Working-capital assessment and financial statements?

Published source: Required documents

8Document checkDo you have this required document or proof: Property title, valuation and mortgage/security documents?

Published source: Required documents

9Document checkDo you have this required document or proof: Applicant concern/firm/company KYC and financial records?

Published source: Required documents
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 31 Aug 2026 · active
Offered byIndian Bank

India

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Loan typeFund-based secured overdraft; running limit subject to annual review/renewal.View source
The official table lists Fund Based: Secured and annual review/renewal.
Source
RBD Secured
Page / section
Type of Facility; Repayment
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Interest rateRefer the current Indian Bank Lending Rates link; no product-specific percentage is printed.View source
The page directs customers to the Lending Rates link.
Source
RBD Secured rate review
Page / section
Rate of Interest
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
BenchmarkNo product-specific benchmark is printed; the page refers to the Lending Rates link.View source
No benchmark formula appears in the official table.
Source
RBD Secured benchmark review
Page / section
Rate of Interest
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
APRNo separate APR percentage is published.View source
No row appears.
Source
RBD Secured review
Page / section
Complete product table
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNo income threshold is published; fresh units need a limit above ₹10 lakh and a satisfactory promoter track record.View source
The official eligibility row uses unit/promoter track record and a limit threshold, not salary.
Source
RBD Secured eligibility review
Page / section
Eligibility
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Maximum amount₹2 crore maximum exposure.View source
The official table states maximum ₹2.00 crore.
Source
RBD Secured quantum
Page / section
Exposure Ceiling
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
TenureRunning limit subject to annual review/renewal; no fixed month/year tenor is published.View source
The official table states running limit subject to annual review/renewal.
Source
RBD Secured repayment
Page / section
Repayment
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Processing fee0.50% of sanctioned limit; other service charges follow the bank circular.View source
The official service-charge row publishes 0.50% of sanctioned limit.
Source
RBD Secured fees
Page / section
Service Charges
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNo separate prepayment charge is published.View source
No prepayment row appears.
Source
RBD Secured prepayment review
Page / section
Complete product table
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
EligibilityAgro/food-processing, agriculture-infrastructure, animal-husbandry, large dairy/poultry, tea and other large agriculture units; existing units need a good track record, while fresh units need a limit above ₹10 lakh and satisfactory promoter track record; 40% security-value margin applies.View source
The official table lists target units, track-record conditions and 40% margin.
Source
RBD Secured eligibility
Page / section
Target Group; Eligibility; Margin/
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Required documentsExisting-unit or promoter track-record evidence; working-capital assessment and financial statements; property title, valuation and mortgage/security documents; entity KYC and financial records.View source
The page names the unit/promoter track record, security-value margin and working-capital purpose; it does not publish a separate checklist.
Source
RBD Secured documentation
Page / section
Target Group; Eligibility; Margin/
Accessed
31 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Maximum ₹2 crore
  • Fund-based secured overdraft
  • Minimum 40% security-value margin
  • Running limit with annual review/renewal
  • Processing charge 0.50% of sanctioned limit

Eligibility

  • Existing units need a good track record. Fresh units need a limit above ₹10 lakh and a satisfactory promoter track record.
  • The stated target includes agro-processing, food-processing, agriculture infrastructure, animal husbandry, large dairy/poultry, tea and other large agriculture units.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Evidence of existing-unit track record or fresh-unit/promoter track record
  • Working-capital assessment and financial statements
  • Property title, valuation and mortgage/security documents
  • Applicant concern/firm/company and financial records

Related official documents

RBD Secured OD — Indian Bankofficial-product-page · current · accessed 31 Aug 2026
↗

Plan before applying

Try the numbers

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Try your numbers

Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees
Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees
Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Target / purpose · Published detailLarge agriculture and agro-business units; working-capital limit.

This value is copied from RBD Secured — published terms. Check the table notes before relying on it.

Source: RBD Secured · Complete product table Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 6 rows · 2 columnsRBD Secured OD — published termsView tableHide table

Scroll sideways to view every column

RBD Secured OD — published terms
ParameterPublished detail
Target / purposeLarge agriculture and agro-business units; working-capital limit.
Facility / exposureFund-based secured ; maximum ₹2 crore.
EligibilityExisting unit with good track record; fresh unit above ₹10 lakh with satisfactory promoter track record.
Margin / repaymentMinimum 40% security-value margin; running limit subject to annual review/renewal.
RateRefer Lending Rates; no product percentage printed.
Service chargesProcessing charge 0.50% of sanctioned limit; other charges per bank circular.
RBD Secured · Complete product table · accessed 31 Aug 2026Open official source ↗

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