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 * Team
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1ST TRULY DIGITAL BANK OF BHARAT

UNITY KRISH CDBRY 02/30

+ 91


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WHO ARE WE ?

We are India’s newest Small Finance Bank, driven by a team of Banking & Fintech
experts, cutting edge technology and strong founders.


OUR NAME

It is a first ever that two equal partners are uniting to build a Bank. Unity
signifies ‘Inclusiveness’ i.e. the ‘Bringing Together’ of People, Patrons and
Partners – to deliver a seamless digital banking experience!


WHAT DO WE DO ?

We are a truly Digital Bank, which means you will be able to open and operate
your Savings, Loan or Current accounts using a digital device, instantly and
round the clock. Of course, you’re always welcome to visit us at any of our
branches.


WHY CHOOSE US ?

We’re uniting customers across socio income groups, small and medium businesses
and HNIs offering a transparent, convenient and secure digital banking
experience, bringing true Unity in Financial Diversity. Our platform is an open
architecture, uniting multiple service providers to deliver a seamless digital
experience.


UNITY

Copyright @ 2021
Disclaimer Privacy Policy Terms and Conditions


OUR PROMOTERS

WE ARE PROMOTED BY TWO OF INDIA’S RESPECTED, AGILE AND HIGH GROWTH ORGANISATIONS
– THE CENTRUM GROUP AND BHARATPE.

Is A leading, integrated Financial Services group promoted by Industry stalwarts
– Chandir Gidwani, Jaspal Bindra and the late Khushrooh Byramjee, supported by a
professional management team. Centrum has been servicing Institutions and
Individuals since 1997.

Centrum offers comprehensive services across Investment Banking (Equity & Debt),
Stock Broking (Institutional & Retail), Wealth Management to HNIs and Family
Offices and Affordable Housing finance in tier 2 & 3 cities. Its Asset
Management business offers funds across Private Debt and Venture Capital.

Notable PE Investors in Centrum’s businesses include, Morgan Stanley PE, Jacob
Ballas and New York Life.

To kick start Unity Bank, Centrum has merged its young and profitable NBFC and
Micro Finance Business with the Bank giving it a robust platform to commence and
scale up operations.

BharatPe is one of India’s fastest growing fintech company – founded by Ashneer
Grover and Shashvat Nakrani in 2018 with the vision of making financial
inclusion a reality for Indian merchants.

The company launched India’s first UPI interoperable QR code, the first zero MDR
payment acceptance service in the year 2018. Currently serving over 70 lakh
merchants across 140+ cities, the company is a leader in UPI offline
transactions, processing 11 crores+ UPI transactions per month (annualized
Transaction Processed Value of US$ 11+ Bn).

The company lends to merchants and already facilitated disbursement of loans
totaling to over Rs. 2,800 crores to its merchants, since launch. BharatPe’s POS
business processes payments of over Rs. 1,400 crores per month. BharatPe has
raised over US$ 650 million in equity and debt, till date. The company’s list of
marquee investors includes Tiger Global, Dragoneer Investment Group, Steadfast
Capital, Coatue Management, Ribbit Capital, Insight Partners, Steadview Capital,
Beenext, Amplo and Sequoia Capital.

Recently, the company ventured into consumer fintech with the launch of its
innovative products- 12% Club and postpe.


OUR TEAM

JASPAL BINDRA

ASHNEER GROVER

CHANDIR GIDWANI

RANJAN GHOSH

SUHAIL SAMEER

SRIRAM VENKATASUBRAMANIAN

RAJENDRA NAIK

INDERJIT CAMOTRA

SAURABH SRIVASTAVA

PRASHANT THAKKER

G.L. KUMAR

ABHISHEK BAXI


OUR SERVICES

MSME LOANS

We provide secured and unsecured loans to Micro, Small and Medium enterprises.
Be it growth capital, working capital, debt consolidation or purchase of assets,
our services span diverse sectors.

Know more

KEY DIFFERENTIATORS :

Customer Centric Approach – Standard products are passé, as every business is
unique. We tailor solutions according to specific client requirements, enabling
them to derive maximum value on their loans.

Digital Innovation – From Loan origination to disbursement, our processes are
fully automated, reducing turnaround times and giving you access to loans
faster.

Service for All – We are sector, client and region agnostic. We endeavor to
serve even those who may not have access to organized finance.

LOAN STRUCTURES & TYPES

1. MICRO LAP

You have kick started a business venture and its growing well, or have an
established small business, but you need credit to sustain its growth momentum.
Our Micro LAP is designed to help Small and Micro enterprises achieve scale.
Avail of loans starting from Rs 5 lakhs and upto Rs 25 lakhs for a maximum tenor
of 120 Months.

PRODUCT DETAILS

Amount: ₹ 5 to ₹ 25 lakhs Tenor: Upto 120 months Repayment Frequency: Monthly
Turnover upto ₹ 10 Cr Assessment basis cash flow evaluation

2. LOANS AGAINST PROPERTY

Young & emerging entrepreneurs, start ups and fintechs, leverage your existing
property and take your business to greater growth. Loans start from Rs 25 Lakhs
and upto Rs 1 crore for a maximum tenor of 120 Months.

PRODUCT DETAILS

Amount: ₹25 Lakh to ₹ 1 Crore Tenor: Upto 120 Months Repayment Frequency:
Monthly Turnover upto ₹ 50 Cr Assessment basis GST/Banking and Liquid income

3. MSME TERM LOAN

For mature businesses, we provide a financing facility customized to take your
business to greater growth. Partner with us and we will provide you with quality
business advice at every development stage of your business. Avail loans between
₹ 1 Cr to ₹ 3 Cr

PRODUCT DETAILS

Amount: From ₹ 1 Cr to ₹ 3 Cr Tenor: Upto 120 Months Repayment Frequency:
Monthly Turnover upto ₹ 200 Cr Cash flow based assessment

4. UNSECURED BUSINESS LOANS

For manufacturers, traders and service providers, looking to accelerate growth.
We believe in you and value your contribution to the economy and are waiting to
provide unsecured loans upto Rs 50 Lakhs for a period of 36 months. You Grow, We
Grow!

PRODUCT DETAILS

Amount: Upto Rs. 50 Lakhs Tenor: Upto 36 Months Repayment Frequency: Monthly
Cash flow based assessment
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MICRO FINANCE

Exclusive business loans for India’s Women Entrepreneurs given under the Joint
Liability Group (JLG) model across various structures and purposes.

Know more

LOAN STRUCTURES & TYPES

1. MICRO LOANS

No matter how small your business is, we are here to support you, for we know
you are going to make it Big very soon. Avail of loans upto Rs 80,000 for a
tenor of 24 months.

PRODUCT DETAILS

Amount: Upto Rs. 80,000 Tenor: Maximum of 24 Months Repayment Frequency: Weekly
or Monthly depending on scheme

2. MICRO ENTERPRISE LOANS

A customized service that specifically caters to your working capital needs. We
support Micro, Small and Medium Enterprises like traders and retailers, small
manufacturers as well as service providers. Loans upto Rs 3,00,000 for a maximum
duration of 36 months.

PRODUCT DETAILS

Amount: Upto Rs. 3,00,000 Tenor: Maximum of 36 Months Repayment Frequency:
Monthly

3. AAROGYA DHARA (WASH LOANS)

India lives in her villages and we will truly progress only when our villages
turn into smart and sustainable cities. In collaboration with water.org, we
provide micro-loans upto Rs 30,000 for building sustainable facilities for safe
water and sanitation. We believe that this is the first step towards basic
infrastructure development.

PRODUCT DETAILS

Amount: Upto Rs. 30,000 Tenor: Between 12 - 24 Months Repayment Frequency:
Weekly or Monthly depending on scheme

4. PM SVANIDHI LOANS

Our Honourable Prime Minster announced a scheme to provide financial assistance
to street vendors and micro entrepreneurs impacted by various external events.
Under The PM’s Street Vendor’s AtmaNirbhar Nidhi (PM Svanidhi) scheme, an
initiative by MoHUA under GOI, we provide loans upto Rs 10,000 to help small
businesses get off the ground again.

PRODUCT DETAILS

Amount: Upto Rs. 10,000 Tenor: 12 Months Repayment Frequency: Monthly
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SUPPLY CHAIN FINANCE

Our Supply Chain Solutions provide MSMEs and large corporates, credit to
overcome any working capital challenges. We customize our offerings to offer
credit across different structures such as Invoice Discounting, Receivables
Finance, etc. to ensure that your business cycle continues without any break.
Our clients include large corporates, pan India dealers and vendors.

Know more

KEY DIFFERENTIATORS :

Instant conversion of receivables into cash Faster Turnaround Times (TAT)
Dedicated relationship managers Digitized and transparent process PAN India
Presence

LOAN STRUCTURES & TYPES

Our Supply Chain Finance Loans are upto Rs 3 Crore for a maximum tenor of 180
days.

PRODUCT DETAILS OF SCF SEGMENT

Amount: Rs 10 lakhs and above Tenor: Upto 180 days

1. VENDOR FINANCING

Vendors are an essential component of the supply chain system. We offer specific
Vendor Financing Schemes, to ensure all elements of the supply chain remain
adequately capitalized, leading to minimal disruptions. Our structures tend to
be revolving and of short tenures, leading to early repayments, with lower cost
of capital and improved cash flows.

2. DEALER FINANCING

Like vendors, distributors and dealers too form an important link in the supply
chain network. Our Dealer Financing schemes provide need-based financial
assistance in the form of revolving and short-term loans, enhancing liquidity
and providing a hassle free repayment structure.

3. PRE-SHIPMENT FINANCE

We offer finance to cover the working-capital needs of the seller, for
procurement of raw materials, labour, packing costs, and other pre-shipment
expenses. We offer customized structures against purchase orders (confirmed by
buyer or unconfirmed), demand forecasts or underlying commercial contracts.

4. POST SHIPMENT FINANCE

Exporters often face a time lag between shipment and payment. We offer
short-term finance to cover any shortfall in liquidity requirements in exports.

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GOVERNANCE

Fair Practice Code for Lenders Policy on Collection of Dues & Repossession of
Security Record Maintenance Policy Whistle Blower Policy Cheque Collection
Policy Customer Grievance Redressal Policy Deposit Policy Addresses of Banking
Ombudsman List of acceptable KYC documents Schedule of Charges Delhi GST
Certificate Maharashtra GST Certificate RBI kehta hai Grievance Redressal Office
Download Forms Rates and Fees Regulatory Disclosures & Statutory Communications
Financials


CONTACT

Address : 2nd Floor, Centrum House, CST Road , Vidyanagari Marg, Kalina,
Santacruz (E), Mumbai -400098.

Telephone No : 022-42159064, 022-42159068

Email-Id – info@unitybank.co.in




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