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Basic Information

What is Business Loan?

Business loan is an unsecured loan an individual can avail for business purposes. A co-applicant is not necessary for a person to apply for business loan.







 Income Per Year

Greater than or equal to Rs. 2,00,000



Min. Turnover

Not applicable for some NBFC's, Some banks / NBFC required min


50 Lacs Annual on ITR,


Rest all required Above 1 Crore / Tax audited balance sheet)



Min. Age and Max. Age

A: 23 to 65 years for self-employed, self-employed professionals



Accommodation Type

Residence or Office must be owned/ parental owned in current city



Resident Type




Company Type

Proprietorship firm, Partnership firm ,Pvt Ltd company, Ltd company



Min Experience

Min. 3yr in some banks & rest al required 5yrs in currentBusiness



Repayment Tenure

  • 12 to 48 months for self-employed customers


  •  12 to 60 months for self-employed professionals



Loan Amount

1 Lac to 10 Crore



Loan Eligibility – Based on

  • Eligible Loan Amount = [{(PAT + DEP+ Int on Loan)/12 -

Net Income

Monthly Obligation)} * 65% / Loan EMI per Lac ]


  • Eligible Loan Amount = {(PAT + DEP+ Int on Loan) /12 -


Monthly Obligation) * (multiplier)}



Loan Eligibility – Banking

Eligible Loan EMI = {(Monthly ABB/3) - Monthly Obligation}



Cash Income Program

Eligibile Loan Amount = [{(PAT * 3 + DEP+ Int on Loan)/12 – MonthlyObligation)} * 65% / Loan EMI per Lac ]



Repayment Track Program

Eligible Loan EMI = EMI * 1.5



CIBIL Score (-1 or +1 )

Compulsory Required



Monthly Obligation

All running loans EMI is called obligations



Existing Loan Obligation

  • Loan obligation should not more than 100% of net income


  • New loan with Closure of existing Loan is a good option any time



Interest Rates

Between 15.49% to 45% reducing  with Processing fees of



Exiting Loan DPD

Not allowed or Provide valid justification for the same




List of Documents-Business Loan


I. Applicant & Co-Applicant

  1. KYC


    1. 2 Photos
    2. PAN Card
    3. Current Address Proof
    4. Residence/Business Ownership Proof


  1. Banking
    1. Latest 1 year bank statement of all accounts


  1. Proof of Income


    1. Shop Act License / SSI Certificate / Any other Govt Certificate for business stability proof
    2. Last 3 years ITR set along with CA Certified Balance Sheet, Profit & Loss (P&L), Computation of Income, Tax Audit Report (If applicable) and all Schedule of Balance Sheets.


  1. Firm/Company Documents
    1. PAN Card
    2. Partnership Deed for Partnership Firm
    3. MOA & Incorporation Certificate for Pvt. Ltd. company
    4. Office Address Proof
    5. Last 3 Year ITR & Tax Audit Reports


  1.  Existing Loan Details

Provide all existing loan detail and documents:

    1. Welcome Letter
    2. Sanction Letter
    3. Statement of Loan Account


  1. CIBIL Issues - detail documents required

Ask about our low rate Business Loan?

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Can I pay off my loan early?

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Do you offering refinancing ?

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When should i apply?

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