Business Loan
Working capital, expansion or new machinery — funding for growing businesses.
At a glance
Why take your business loan through us
Collateral-free (CGTMSE)
Government-backed CGTMSE cover lets eligible MSMEs borrow without pledging property.
Small manufacturing units
Term loans for small factories and workshops to buy machinery or expand capacity.
Grow on your terms
Stock, working capital, a new branch or equipment — structured around your cash flow.
Top-up & balance transfer
Enhance an existing business loan or move it to better terms.
Eligibility & documents
A quick check before you apply. Your advisor confirms the exact list for your lender.
Who can apply
- Business running for 2+ years (typical*)
- ITR for the last 2 years
- GST registration (helps for most lenders)
- Healthy bank statement for 6–12 months
Documents you'll need
- PAN Card
- Aadhaar Card
- Photo
- Bank Statement (6 months)
- Address Proof
- Salary Slips (3 months)
- Form 16
- PAN Card
- Aadhaar Card
- Photo
- Bank Statement (6 months)
- Address Proof
- ITR (2 years)
- Business Proof
* Indicative. Criteria differ between lenders; the lender decides.
Estimate your EMI
Adjust the amount, rate and tenure to see what fits your monthly budget.
For illustration only. The actual EMI depends on the rate, fees and tenure the lender offers you.
Year-by-year repayment schedule
| Year | Principal paid | Interest paid | Balance |
|---|
Business Loan — questions
What is a CGTMSE loan?
Which documents do I need?
Do you fund new businesses?
Apply for a business loan
Leave your details and a loan advisor will call you back to understand your need, check eligibility and suggest the right lenders.