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About Trader Loans


Traders go about as an indispensable connection between the manufacturers of merchandise/commodities and the consumers. The product expects to give hassle free money to traders and to meet their business and monetary needs. Any individual or a firm (partnership or proprietorship) connected fundamentally in purchasing and selling of products is qualified for this plan which offers answer for all the money related needs of the wholesalers/traders/retailers.

  • Working Capital Requirements: To meet day to day working capital requirement of the unit/establishment.
  • Term Loan: Acquiring/construction of premises, go-downs on ownership basis required for running the business/for repair, furnishing, renovating existing business premises and/or purchase of furniture & fixtures and for purchase of brand new equipments, business tools, computers, UPS etc.
  • Non-fund based facilities (Letter of Credit & Bank Guarantee)

Non-finance facility can be considered well beyond the Working capital/Term Loan limit, yet inside the utmost surveyed dependent on estimation of securities and Up to The predefined most extreme farthest point under the plan. – However, whenever mentioned non reserve based utmost can’t be obliged independently dependent on anticipated turnover or Offered securities, the equivalent can be considered as a sub Limit of working capital cutoff.

The advocate ought to ideally be occupied with the line of business for at least one complete financial year for which Income Tax Returns have been submitted alongside Statement of Financial Result’s or Financials appropriately confirmed by a firm of Chartered Accountants acceptable to the authorizing expert. The unit ought to be a benefit making one.



All loans are not created equal, Loans has become a great option for people to use.

Faster Loan

Cochin Financial Services helps you to get the loan faster than any other consultants! Starting from document prepartion, our main motto is to get you the money!

Choose amount

All charges are communicated up front in writing along with the loan quotation, and let us know how much money you want and we set strategy accordingly.

Enjoy the best rates

Our loan rates and charges are very attractive. We always get you loan for the best interest rates in the market. Its upto us to get you a hassle free loan.

Decide your tenure

As our loan rates and charges are very attractive, we help the clients to workout on tenure which never become a burden for them. We works for you.


Loan Eligibility

For taking a loan, the borrower should be 22 years old and at the time of maturity of the loan, age should be 65 years. The business minimum turnover required ₹10 Lacs. Your business must be profit-making for the past 2 years. Annual Income Tax Return (ITR) of ₹2 lacs per year.



Frequently Ask Questions

If you have a question that deals with clients, customers or the public in general, there is bound to be a need for the FAQ page.

Your bank will assess your repayment capacity while deciding the home loan eligibility. Repayment capacity is based on your monthly disposable / surplus income, (which in turn is based on factors such as total monthly income / surplus less monthly expenses) and other factors like spouse’s income, assets, liabilities, stability of income etc. The main concern of the bank is to make sure that you comfortably repay the loan on time and ensure end use. The higher the monthly disposable income, higher will be the amount you will be eligible for loan. Typically a bank assumes that about 55-60 % of your monthly disposable / surplus income is available for repayment of loan. However, some banks calculate the income available for EMI payments based on an individual’s gross income and not on his disposable income.

The amount of the loan depends on the tenure of the loan and the rate of interest also as these variables determine your monthly outgo / outflow which in turn depends on your disposable income.


You repay the loan in Equated Monthly Installments (EMIs) comprising both principal and interest. Repayment by way of EMI starts from the month following the month in which you take full disbursement.

The longer the tenure of the loan, the lesser will be your monthly EMI outflow. Shorter tenures mean greater EMI burden, but your loan is repaid faster. If you have a short-term cash flow mismatch, your bank may increase the tenure of the loan, and your EMI burden comes down. But longer tenures mean payment of larger interest towards the loan and make it more expensive.

Yes, most banks allow you to repay the loan ahead of schedule by making lump sum payments. However, many banks charge early repayment penalties up to 2-3% of the principal amount outstanding. Prepayment penalty may vary according to the reasons and source of funds – if you obtain a loan from another bank for pre-payment the charges are usually higher than when you pay from your own sources. However, you may credit more than your EMI amount into your loan account on a periodic basis and bring down your interest burden as and when funds are available with you. Most banks do not charge a pre-payment penalty if you deposit more than your EMI payable on a periodic basis. Please check such stipulations while availing the loan.

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Now apply for a Loan online, All you need to do is provide your details below application form.

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