Business, & agriculture finance

BOI Star Asset Backed Loan

Fund-based and non-fund-based finance secured by residential or commercial property, from ₹10 lakh to ₹20 crore with up to 60%/50%.

Facility amountMinimum ₹10 lakh and maximum ₹20 crore.Eligible customerExisting business operating for the last three years, compliant with Udyam/GST/licensing requirements and profitable in at least two preceding years.Collateral / LTVMortgage-backed facility: maximum LTV 60% of residential-property market value and 50% for other property; two valuation reports are required where market value is relied on.

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✓ Manually checked 30 Aug 2026 · active

Offered byBank of India

India; BOI branches

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 amountMinimum ₹10 lakh and maximum ₹20 crore.View source

The official quantum section publishes ₹0.10 crore minimum and ₹20 crore maximum.

Source: Star Asset Backed Loan — BOI
Page / section: Quantum
Accessed: 30 Aug 2026
Confidence: high

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Eligible customerExisting business operating for the last three years, compliant with Udyam/GST/licensing requirements and profitable in at least two preceding years.View source

The official eligibility section lists statutory compliance, operating history and cash-profit test.

Source: Star Asset Backed Loan — BOI
Page / section: Eligibility
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Collateral / LTVMortgage-backed facility: maximum LTV 60% of residential-property market value and 50% for other property; two valuation reports are required where market value is relied on.View source

The official section publishes 60% residential and 50% other-property limits.

Source: Star Asset Backed Loan — BOI
Page / section: Loan to value
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Repayment tenureMaximum repayment tenure is 15 years.View source

The official repayment section states maximum 15 years.

Source: Star Asset Backed Loan — BOI
Page / section: Repayment
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Turnover / vintageExisting enterprise must have operated for the last three years and earned cash profit in at least two preceding years; no numeric turnover threshold is published.View source

The eligibility section publishes three years operation and two preceding profitable years, but no turnover number.

Source: Star Asset Backed Loan — BOI
Page / section: Eligibility
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

TenureMaximum repayment tenure is 15 years.View source

The official repayment section states maximum 15 years.

Source: Star Asset Backed Loan — BOI
Page / section: Repayment
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Geographic limitsIndia; BOI branchesView source

The manually reviewed product record states: “India; BOI branches”.

Source: BOI Star Asset Backed Loan — official product page
Page / section: Published product metadata
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

DocumentsUdyam/GST/licences, financials, property documents and valuation reports requested by BOIView source

The manually reviewed product record states: “Udyam//licences, financials, property documents and valuation reports requested by BOI”.

Source: BOI Star Asset Backed Loan — official product page
Page / section: Published product metadata
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

Term loan, reducible/non-reducible overdraft and / sub-limit
Residential-property up to 60%; other property up to 50%
Maximum repayment tenure 15 years
-based loan amount and simplified documentation

Eligibility

Existing business complying with statutory requirements, operating for the last three years and earning cash profit in at least two preceding years.

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

Documents the bank lists

Udyam//licences, financials, property documents and valuation reports requested by BOI

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Loan repayment estimate

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Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

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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TableProductChoose column

Star Start Up Scheme · Target customer start-up; up to 10 years and ₹100 crore turnover

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

Source: BOI finance product pages · Quantum, eligibility, security and repayment Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 4 rows · 5 columnsBOI MSME finance — published termsQuantum, eligibility, security and repayment terms transcribed from official BOI product pages.View tableHide table

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BOI MSME finance — published terms
Product	Target customer	Amount	Security	Repayment / rate
Star Start Up Scheme	start-up; up to 10 years and ₹100 crore turnover	Above ₹10 lakh; maximum assessed; CGSS up to ₹10 crore	Primary asset charge; CGSS/collateral routes; promoter guarantee	Up to 120 months incl. 24-month moratorium; 1% concession; processing waived
	Micro enterprises and listed entity types	Up to ₹10 lakh	Nil collateral; primary asset and personal guarantee	36-month demand or 84-month term; rate/charges per BOI guidelines
Star Asset Backed Loan	Existing compliant , 3 years operation	₹10 lakh–₹20 crore	60% residential / 50% other property	Up to 15 years; rate applicable
Star Education Plus	Approved schools, colleges and universities	₹10 lakh–₹5 crore	Mortgage/hypothecation; 1.50 asset cover	Up to 8 years incl. 12–18-month moratorium; charges applicable

BOI finance product pages · Quantum, eligibility, security and repayment · accessed 30 Aug 2026Open official source ↗

Table 2 · 4 rows · 3 columnsBOI business-finance final queue — published rate/fee statusView tableHide table

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BOI business-finance final queue — published rate/fee status
Product	Field	Official result
Pradhan Mantri Mudra Yojana	Interest rate	As prescribed by BOI; no fixed percentage published
Pradhan Mantri Mudra Yojana	Processing fee	As per extant BOI guidelines; no fixed amount published
Star Asset Backed Loan	Interest rate	As applicable to assessed borrower/facility; no fixed percentage published
Star Contractor Credit	Interest rate	As applicable under BOI guidelines; no fixed percentage published

BOI official business-finance pages and policy · Rate/fee tabs and applicable-guideline references · accessed 10 Sept 2026Open official source ↗

BOI Star Asset Backed Loan

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

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