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Water & Sanitation Funding @9.00% Onwards

• Loan upto 200% of Property value
• Maximum Tenure 10 years
• Doorstep assistances provided
Enquiry Form
Water & Sanitation funding
Bank Name Min Interest Rate Processing Fee Max Loan (Lacs) Max Tenure (Month)
Bank of Baroda
9.00%
1%
1500
120
Bank of India
9.25%
1%
1000
120
Bank of Maharashtra
9.30%
1%
1500
120
canara
9.10%
1%
1000
120
Central Bank of India
9.10%
1%
1500
120
Indian Bank
9.00%
1%
1500
120
Indian Overseas Bank
9.20%
1%
1000
120
Karnataka Bank Ltd.
9.25%
1%
1000
120
Punjab & Sind Bank
9.25%
1%
1500
120
Punjab National Bank
9.20%
1%
1500
120
State Bank of India
9.00%
1%
1500
120
UCO Bank
9.00%
1%
1500
120
Union Bank of India
9.00%
1%
1500
120
United Bank of India
9.50%
1%
1000
120
Bank Name Min Interest Rate
Bank of Baroda

9.00%
Bank of India

9.25%
Bank of Maharashtra

9.30%
canara

9.10%
Central Bank of India

9.10%
Indian Bank

9.00%
Indian Overseas Bank

9.20%
Karnataka Bank Ltd.

9.25%
Punjab & Sind Bank

9.25%
Punjab National Bank

9.20%
State Bank of India

9.00%
UCO Bank

9.00%
Union Bank of India

9.00%
United Bank of India

9.50%
₹
₹ 10L
₹ 50L
₹ 1C
₹ 1.5C
₹ 2C
₹ 2.5C
₹ 3C
%
1%
5%
10%
15%
20%
25%
30%
1
10
20
30
40
50

Loan EMI

₹

Total Interest

₹

Total Payment

₹

Eligibility Criteria

What you mean by Water & Sanitation funding Eligibility Criteria?

In some region people unable to get access to pure water & sanitation, wherein taking the concern banks started providing micro - finance as helping them to get household water & toilet facilities.

Water & Sanitation funding Eligibility Criteria

There are few eligibility criteria you are required to have a look before applying for loan -

  • • Applicant should be in-between 25 –65 years
  • • All proposals with prior scientific database to be vetted by the State Technical Agency involving Technical Experts and approval by the SLSSC
  • • Sustainability component of the drinking water supply systems should be such that it is easy to operate and maintain by the community/Gram Panchayat/Water User group.
  • • Sustainability structures should be taken up on priority in over-exploited, critical and semi-critical blocks and in quality affected habitations
  • • Applicant must be resident of India

What are the factors generally affecting Water & Sanitation funding Eligibility Criteria?

There are Top factors that generally affects Water & Sanitation funding Eligibility Criteria as given below-

Due to Incomplete Documentation: - One of the major reasons behind affecting the eligibility is incomplete documentation, for applying any kind of loan proper document requirement is the basic criteria of all banks & NBFC, due to incomplete docs your application will get rejected.

Irregular behavior in payment: - Lender will go through you application & check your credit report to know about past performance on doing payments & all, if it seems like you had irregular, default in making payment will affect your eligibility.

What are the ways to increase Water & Sanitation funding' eligibility?

To increase Water & Sanitation funding' eligibility, you need to consider points as given below, this will aid you in increasing your eligibility level.

Well business plan: - Usually for any project funding a well thought business plan requires to estimate the funding prospect, used equipment & technology, finally a revenue generation plan. Strong business plan will definitely going to boost your eligibility.

Maintain good credit: - Pay your loan EMI, bills on regular basis to avoid any kind of score affect in credit. If you are looking to close old credit cards, avoid doing that, as it can help you increasing credit limit as well as loan eligibility.

Documents Required
  • Individual
  • Prop Firm
  • Partnership Firm-LLP
  • PVT. LTD.
  1. PAN CARD COPY
  2. AADHAR CARD + PASSPORT
  3. ADDRESS PROOF IF RENTED ALSO REQUIRED PERMANENT ADDRESS PROOF
  4. LAST 3 YEARS FORM -16, ITR WITH COMPUTATION OF INCOME IF FILE
  5. LAST 1 YEAR BANK STATEMENT - SALARY ACCOUNT
  6. LOAN SCHEDULE & SANCTION LETTER (IF RUNNING)
  7. COMPLETE PROPERTY PAPERS WITH CHAIN & MAP +ATS
  8. PROCESSING FEE CHEQUE IN FAVOUR OF BANK
  9. PROJECTED FINANCIAL
  10. PROJECT FEASIBILITY REPORT
  11. COMPANY PROFILE & MANAGEMENT PROFILE
  12. ISO CERTIFICATE & MSME CERTIFICATE
  13. POLLUTION CERTIFICATE
  14. CMA DATA
  15. MACHINE QUOTATION
  16. BUILDING CONSTRUCTION ESTIMATE
  17. LAST 3 MONTHS SALARY SLIP + APPOINTMENT LETTER
  1. PAN CARD CLEAR COPY PROPRIETOR
  2. ADDRESS PROOF (PASS PORT, VOTER ID CARD) PROPRIETOR
  3. OFFICE ADDRESS PROOF LATEST (ELECTRICITY BILL, TELEPHONE BILL)
  4. FIRM REGISTRATION CERTIFICATES & GST REGISTRATION COPY
  5. LAST 1 YEAR GST RETURN COPY
  6. FIRM 3 YEARS ITR COMPUTATION, PROFIT LOSS A/C, BALANCE-SHEET, TAX AUDIT REPORT, ALL SCHEDULED & ANNEXURE
  7. PROVISIONAL FINANCIAL AY 2019-20
  8. BANK ACCOUNTS (CURRENT ACCOUNT, CC ACCOUNT, OD ACCOUNT LAST 1 YEAR UPDATED)
  9. 6 MONTH SAVING ACCOUNT STATEMENT UPDATED (PROPRIETOR)
  10. IF RUNNING ANY LOAN PLEASE PROVIDE SANCTION LETTER AND REPAYMENT SCHEDULED
  11. AGREEMENT TO SELL COPY
  12. PROPERTY PAPERS WITH CHAIN SANCTION MAP
  13. PROJECTED FINANCIAL
  14. PROJECT FEASIBILITY REPORT
  15. COMPANY PROFILE & MANAGEMENT PROFILE
  16. ISO CERTIFICATE & MSME CERTIFICATE
  17. POLLUTION CERTIFICATE
  18. CMA DATA
  19. MACHINE QUOTATION
  20. BUILDING CONSTRUCTION ESTIMATE
  1. PARTNERS
  2. PAN CARD - COMPANY, ALL PARTNERS
  3. ADDRESS PROOF - ALL PARTNERS (PASS PORT, VOTER I PAN CARD, ADHAAR)
  4. FIRM ADDRESS PROOF- LATEST ANY UTILITY BILL
  5. PARTNERSHIP DEED COPY
  6. GST CERTIFICATE
  7. GST RETURN LAST 1 YEARS
  8. 3 YEAR COMPANY ITR COI P/L A/C BALANCESHEET + AUDIT REPORT 3CB 3CD, ALL ANNEXXURS, SCHEDULED WITH C.A.CERTIFIED
  9. PROVISIONAL FINANCIAL AY 2019-20
  10. 3 YEAR ALL PARTNER INDIVIDUALS ITR + COMPUTATION
  11. FIRM ALL A/C BANK STATEMENT 1 YEAR UPDATED
  12. ALL PARTNER SAVING A/C STATEMENT 6 MONTH
  13. IF RUNNING ANY LOAN – LATEST SANCTION LETTER + TRACK RECORDS OR REPAYMENT SCHEDULED
  14. AGREEMENT TO SELL COPY
  15. PROPERTY PAPERS COMPLETE CHAIN WITH MAP
  16. PROJECTED FINANCIAL
  17. PROJECT FEASIBILITY REPORT
  18. COMPANY PROFILE & MANAGEMENT PROFILE
  19. ISO CERTIFICATE & MSME CERTIFICATE
  20. POLLUTION CETIFICATE
  21. CMA DATA
  22. MACHINE QUOTATION
  23. BUILDING ONSTRUCTION ESTIMATE
  1. PHOTOGRAPH
  2. CLEAR PAN CARD - COMPANY AND ALL DIRECTORS
  3. ADDRESS PROOF – COMPANY AND DIRECTORS
  4. LIST OF DIRECTOR& SHARE HOLDER WITH CA CERTIFIED AS ON DATE
  5. MEMORANDOM ORDER IN HAND AND COMPLETE COPY (IF APPLICABLE)
  6. GST, SALE, VAT AND SSI REGISTRATION CERTIFICATE
  7. 1 YEAR GST RETURNS
  8. ALL DIRECTORS INDIVIDUALS ITR & COMPUTATION LAST 3 YEARS
  9. LAST 3 YEARS COMPLETE FINANCIAL WITH TAX AUDIT REPORT AND ANNEXURE
  10. PROVISIONAL FINANCIAL FY 2019-20 OR MONTH WISE SALE FIGURE LAST 1 YEAR
  11. COMPANY ALL BANK ACCOUNT STATEMENT 1 YEAR UPDATED
  12. ALL DIRECTORS SAVING A/C STATEMENT 6 MONTH
  13. IF RUNNING ANY LOAN – LATEST SANCTION LETTER AND REPAYMENT SCHEDULED
  14. AGREEMENT TO SELL COPY
  15. PROPERTY PAPERS COMPLETE CHAIN WITH SANCTION MAP
  16. PROJECTED FEASIBILITY REPORT
  17. COMPANY PROFILE & MSME CERTIFICATE
  18. POLLUTION CERTIFICATE
  19. CMA DATA
  20. MACHINE QUOTATION
  21. BUILDING CONSTRUCATION ESTIMATE
Frequently Asked Questions

What is Water & Sanitation Funding?

The Water & Sanitation Funding are provided for the construction or repair of toilets and proper water supply for public utilities.

What are eligibility Criteria for Water & Sanitation Funding?

  • Applicant should be in-between 25 –65 years
  • All proposals with prior scientific database to be vetted by the State Technical Agency involving Technical Experts and approval by the SLSSC
  • Sustainability component of the drinking water supply systems should be such that it is easy to operate and maintain by the community/Gram Panchayat/Water User group.
  • Applicant must be resident of India.

What are the Benefits of Water & Sanitation Funding?

Its long-term loan with a fixed Rate of Interest and avoid more expenses on a high-interest credit card.

How much loan I can take on Water & Sanitation Funding?

You can take loan on Water and Sanitation up to 25,000 to 1,00,000.

What is the benefits of Water & Sanitation Funding?

The Benefit of taking a Water and Sanitation Loan is to clean drinking water and sanitation. Reduce health risks and other productive activities, as well as increases the productivity of the labour force.

What are the terms and condition of Water and Sanitation Loan?

Some terms and conditions you have to follow at the time of Water and Sanitation Loan: -

  •  You can take loan up to 10 lakhs
  • Flexible repayment up to 24 months
  •  You should have Proper documents.

How can I get Water and Sanitation Loan?

Youn can select your ideal bank go to the website or nearest branch then fill the application form and all necessary details with attaching the required documents and wait for approval.

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CA Vikas Jain - Chief Advisor

Mr. Vikas Jain is a reputed Chartered Accountant possessing in-depth understand...

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CA Vikas Jain

CA Vikas Jain - Chief Advisor

Mr. Vikas Jain is a reputed Chartered Accountant possessing in-depth understand...

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