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Business, & agriculture finance

Sellers Invoice Financing — Sahaj

An unsecured, clean demand loan against eligible domestic B2B invoices, with ₹42,500 finance per invoice, a ₹10 lakh unit cap and 90-day cover period.

PricingRate of interest charged according to CIC/CMR scoreCustomer typeSole-proprietorship MSMEs with domestic B2B invoicesCollateralUnsecured clean demand loan; no collateral security is required for MSME Sahaj on the reviewed SBI page.
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Quick eligibility check

Sellers Invoice Financing — Sahaj

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: Sole-proprietorship MSMEs with domestic B2B invoices?

Published source: Customer type

2Do you meet this requirement: GSTN registration and GST-enabled domestic B2B invoice?

Published source: Documents

3Do you meet this requirement: CIC/CMR evidence requested for assessment?

Published source: Documents

4Does your annual turnover meet this requirement: SBI current-account and turnover information?

Published source: Documents

5Does your annual turnover meet this requirement: Existing SBI current-account sole proprietorship with GST turnover up to ₹5 crore, valid Udyam registration, GST-enabled invoice not older than 10 days, SBI-account turnover at least 25% of GST sales and no working-capital limit with any bank?

6Document checkDo you have this required document or proof: Udyam Registration Certificate?

Published source: Documents

7Document checkDo you have this required document or proof: GSTN registration and GST-enabled domestic B2B invoice?

Published source: Documents

8Document checkDo you have this required document or proof: Digital document-execution records?

Published source: Documents

9Document checkDo you have this required document or proof: CIC/CMR evidence requested for assessment?

Published source: Documents
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 1 Sept 2026 · active
Offered byState Bank of India

India; domestic B2B invoice financing

Key facts

What the official sources publish

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

Facility typeUnsecured clean demand loan; each financed invoice is a separate loanView source
Nature of Facility: Demand Loan (Clean); each invoice against which the loan is extended is a separate loan.
Source
Sahaj — official product page
Page / section
Features — Nature of Facility
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Loan amount₹42,500 per invoice (85% of the ₹50,000 minimum invoice value); maximum ₹10 lakh per unitView source
Loan Amount: Rs 42,500 per invoice (85% of Minimum Invoice value); max. Rs. 10 lakhs per unit.
Source
Sahaj — official product page
Page / section
Features — Loan Amount
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Invoice eligibilityDomestic B2B GST-enabled invoice, ₹50,000 to ₹1,00,000, not older than 10 days; only one GSTN is assessedView source
Invoice value should fall between Rs. 50,000/- to Rs. 1,00,000/-; invoice should not be older than 10 days; domestic B2B invoices only.
Source
Sahaj — official product page
Page / section
Features — Eligibility
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Margin15% on each invoiceView source
Margin: 15% on each invoice.
Source
Sahaj — official product page
Page / section
Features — Margin
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
PricingRate of interest charged according to CIC/CMR scoreView source
Pricing: Rate of Interest shall be charged as per / score.
Source
Sahaj — official product page
Page / section
Features — Pricing
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
RepaymentBullet repayment of principal and interest on each invoice due date; 90-day cover periodView source
Repayable on due date of each Invoice as a bullet repayment along with interest amount. Cover period: 90 days.
Source
Sahaj — official product page
Page / section
Features — Repayment and Cover period
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Processing feeNilView source
Processing Fee: Nil.
Source
Sahaj — official product page
Page / section
Features — Processing Fee
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Pre-paymentPortal pre-payment is unavailable after the three-day cooling-off/look-up period; branch pre-payment is permitted at any time. During the cooling-off period, closure requires principal plus proportionate APR without penalty.View source
Pre-payment before due date will not be allowed through portal after the 3-day cooling-off/look-up period; branch pre-payment can be done any time.
Source
Sahaj — official product page
Page / section
Features — Pre-payment
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Credit requirementCMR 1–6 or consumer credit score at least 650; no credit history or −1 is also allowedView source
Reports: -1 to 6 or Consumer with minimum 650 score; no credit history or -1 is also allowed.
Source
Sahaj — official product page
Page / section
Features — Reports
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
CollateralUnsecured clean demand loan; no collateral security is required for MSME Sahaj on the reviewed SBI page.View source
describes Sahaj as an unsecured loan against invoice and a clean demand loan.
Source
Sahaj — official product page
Page / section
Features — Purpose and Nature of Facility
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Geographic limitsIndia; domestic B2B invoice financingView source
The manually reviewed product record states: “India; domestic B2B invoice financing”.
Source
Sellers Invoice Financing — Sahaj — official product page
Page / section
Published product metadata
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Customer typeSole-proprietorship MSMEs with domestic B2B invoicesView source
The manually reviewed product record states: “Sole-proprietorship with domestic B2B invoices”.
Source
Sellers Invoice Financing — Sahaj — official product page
Page / section
Published product metadata
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Turnover / vintageExisting SBI current-account sole proprietorship with GST turnover up to ₹5 crore, valid Udyam registration, GST-enabled invoice not older than 10 days, SBI-account turnover at least 25% of GST sales and no working-capital limit with any bank.View source
The manually reviewed product record states: “Existing current-account sole proprietorship with turnover up to ₹5 crore, valid Udyam registration, -enabled invoice not older than 10 days, -account turnover at least 25% of sales and no working-capital limit with any bank.”.
Source
Sellers Invoice Financing — Sahaj — official product page
Page / section
Published product metadata
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
DocumentsUdyam Registration Certificate; GSTN registration and GST-enabled domestic B2B invoice; Digital document-execution records; CIC/CMR evidence requested for assessment; SBI current-account and turnover informationView source
The manually reviewed product record states: “Udyam Registration Certificate; registration and -enabled domestic B2B invoice; Digital document-execution records; / evidence requested for assessment; current-account and turnover information”.
Source
Sellers Invoice Financing — Sahaj — official product page
Page / section
Published product metadata
Accessed
1 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • ₹42,500 per eligible invoice
  • Up to ₹10 lakh per unit
  • 15% invoice margin
  • Nil processing fee
  • 90-day cover period

Eligibility

  • Existing current-account sole proprietorship with turnover up to ₹5 crore, valid Udyam registration, -enabled invoice not older than 10 days, -account turnover at least 25% of sales and no working-capital limit with any bank.

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

Documents the bank lists

  • Udyam Registration Certificate
  • registration and -enabled domestic B2B invoice
  • Digital document-execution records
  • / evidence requested for assessment
  • current-account and turnover information

Related official documents

MSME Sellers Invoice Financing — MSME Sahaj — official product pageofficial-product-page · current · accessed 1 Sept 2026
↗

Plan before applying

Try the numbers

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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.

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Find the exact published value

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Customer · Published termExisting current-account sole proprietorship; turnover up to ₹5 crore

This value is copied from Sahaj — published invoice-finance terms. Check the table notes before relying on it.

Source: Sahaj — official product page · Features Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 8 rows · 2 columnsMSME Sahaj — published invoice-finance termsInvoice, amount, pricing and repayment conditions from SBI's product page.View tableHide table

Scroll sideways to view every column

MSME Sahaj — published invoice-finance terms
ItemPublished term
CustomerExisting current-account sole proprietorship; turnover up to ₹5 crore
InvoiceDomestic B2B, -enabled, ₹50,000–₹1,00,000, not older than 10 days
Finance₹42,500 per invoice; ₹10 lakh per unit maximum
Margin15%
RepaymentBullet on invoice due date; 90-day cover period
ProcessingNil
Credit 1–6 or consumer score 650; no history/−1 accepted
Pre-paymentPortal restricted after 3-day cooling-off; branch allowed
  • states that units with working-capital limits or multiple are not eligible.
Sahaj — official product page · Features · accessed 1 Sept 2026Open official source ↗

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