MSME Friendly
Business Loan
Fuel your business ambitions with flexible working capital, expansion loans, and equipment financing. Designed for Indian MSMEs.
Interest Rate
12% p.a.
Max Amount
₹1 Crore
Tenure
Up to 7 Years
Processing Fee
1.5–2.5% of loan amount
12% p.a.
Why Choose Us
Key Features
High Loan Amount
Get up to ₹1 Crore to fund your business growth, expansion, or working capital needs.
Collateral-Free Options
Loans up to ₹50 Lakhs available without collateral under CGTMSE scheme.
Flexible Repayment
Customise your repayment schedule — monthly, quarterly, or bullet repayment options.
GST-Registered Businesses
Special rates and faster processing for GST-registered businesses with 2+ years of returns.
Overdraft Facility
Opt for an overdraft facility and pay interest only on the amount utilised.
Dedicated Relationship Manager
A dedicated RM to guide you through the entire process and post-disbursal support.
Eligibility Criteria
Business Vintage
Minimum 2 years in operationAnnual Turnover
Minimum ₹10 Lakhs per annumBusiness Type
Proprietorship, Partnership, Pvt Ltd, LLPCIBIL Score
700 and above (business + promoter)GST Registration
Preferred; mandatory for loans above ₹25 LakhsProfitability
Profitable for at least 1 of the last 2 yearsDocuments Required
Business Proof
- GST Registration Certificate
- Business registration / incorporation certificate
- Partnership deed / MOA & AOA
Financial Documents
- Last 2 years ITR with P&L and Balance Sheet
- Last 12 months bank statements
- GST returns for last 12 months
KYC Documents
- PAN Card (business + promoters)
- Aadhaar Card of promoters
- Address proof of business premises
Got Questions?