Your Business Loan - Approved Instantly!*
Choose your desired loan amount
₹ 2,50,000
Assuming annual interest rate 13% and 60 months tenure
Calculated EMI*
₹ 5,688
Serving Millions of Indians as a Reliable Financial Partner Since 2007
Business Loan – Fee Structure
Fuel your growth with transparent, competitive business finance — essential charges at a glance
| Fee Type | Applicable Charges |
|---|---|
| Business Loan Interest Rates |
Starting from 14%* per annum
Based on business vintage & credit profile
|
| Business Loan Limit |
Up to INR 50 lakhs*
Higher limits for established businesses
|
| Business Loan Tenure |
12 months to 60 months
1–5 years
Flexible EMI options to match your cash flow
|
| Business Loan Processing Fees |
Up to 3.50% of total loan amount + GST
One-time fee, inclusive of legal & admin charges
|
*Terms & conditions apply. Interest rate starts from 14% p.a. and varies based on business vintage, turnover, credit score, and loan amount. Loan limit up to INR 50 lakhs subject to eligibility, internal policy & collateral-free assessment. Processing fees up to 3.50% + applicable GST. GST and other statutory charges as applicable. Please refer to the final sanction letter for exact charges.
Business Loan - Get Instant Business Loan Online
Business Loan from IndiaKredit comes with low interest rates for eligible borrowers. Individuals and business owners can conveniently apply for a business loan online from the comfort of their homes. With customised solutions and transparent procedures, we have successfully served millions of customers across India.
Here are some key benefits of an IndiaKredit business loan:
Apply for a business loan online with a 100% paperless process.
Get collateral-free loans at competitive interest rates, with minimal documentation and flexible repayment tenures.
Use the funds obtained through your business loan for various purposes, such as expanding your business, purchasing equipment or machinery, managing working capital, stocking inventory, covering operational expenses, or handling unexpected business emergencies.
Quick approval · Zero collateral
Business Loan
Benefits & Features
The following features make our business loans an excellent choice if you're seeking growth capital and a hassle-free borrowing experience.
Business Loans up to 50 Lakh*
Substantial business loan amounts that can meet working capital needs, expansion plans, or equipment purchases.
Attractive Interest Rates @14%* p.a.
Starting at just 14%* per annum, our competitive interest rates make business finance more affordable and manageable.
100% Paperless Application
A straightforward online application process requiring minimal documentation saves you time and effort — entirely digital from start to finish.
Quick Disbursal ⚡ within hours*
Prompt disbursement* of funds after final loan approval, allowing you to address your business needs quickly without unnecessary delays.
Additional Benefits for Existing Customers
Existing customers with a strong repayment history may enjoy special concessionary rates on business loans and faster processing.
Loyalty privilege
Flexible Tenure & EMI
Choose tenure from 12 to 60 months with customized EMI plans that align with your cash flow — full transparency with zero hidden charges.
*Terms & conditions apply. “Quick” refers to in-principle approval subject to documentation and verification. Loan amounts up to ₹50 Lakhs are subject to eligibility, business vintage, turnover, credit assessment, and internal policy. Interest rate starts from 14% p.a. and varies based on business profile, credit score, loan amount & tenure. Disbursal time depends on final verification. Special concessionary rates for existing customers are offered at the company's discretion based on repayment history.
Documents Required for a Business Loan
To apply for a quick business loan online with IndiaKredit, you'll need the following basic documents:
Duly signed and completed application form
Identity proof (such as Aadhaar, Voter ID, or Passport)
Address proof (such as utility bills, Passport, or Aadhaar)
Signature proof (such as PAN Card or Passport)
Mandatory - PAN Card / Form 60
Documents Required for Self-Employed Individuals / Business Owners
You'll need the following documents to apply for a business loan:
Business proof (such as GST registration certificate, trade license, or shop establishment certificate)
Income proof (such as ITR for the last 2-3 years, along with computation of income)
Bank statements for the last 6-12 months (business current account)
Profit & Loss statement and Balance Sheet for the last 2-3 years (audited if applicable)
Documents Required for Partnership Firms / Private Limited Companies
Partnership deed / Memorandum of Association (MoA) & Articles of Association (AoA)
Board resolution authorizing the loan (for companies)
GST returns for the last 6-12 months
Proof of business continuation (registration certificate, incorporation certificate)
Additional Documents (if applicable)
Existing loan statements (if any)
Property documents (if secured loan option is availed)
KYC documents of all partners / directors
Ensure all documents are submitted for swifter business loan processing.
You can check the complete list of documents required for an instant* business loan.
Business Loan Eligibility
The basic eligibility requirements to apply for a business loan at India Kredit include:
Age: Applicants must be between 21 years and 65 years of age.
Business Vintage: The business must have been in operation for at least 3 years (for MSMEs, startups, and self-employed professionals).
Minimum Annual Turnover: Minimum annual turnover of ₹10 lakhs or more, depending on the business type and industry.
Credit Score: A credit score of 700 or above is required, along with a strong credit history, to increase your chances of loan approval.
Nationality: Applicants must be residing citizens of India.
Business Type: Sole proprietorships, partnership firms, private limited companies, self-employed professionals (doctors, consultants, chartered accountants, etc.), and MSMEs are eligible to apply.
Profitability: The business should be profitable for at least the last 2 years, as reflected in ITR and financial statements.
Existing Liabilities: Existing loan obligations and overall debt-to-income ratio are considered during eligibility assessment.
*This is the basic business loan eligibility criteria. The final eligibility will depend on several factors, including business vintage, turnover, credit profile, and our policy at the time of loan application. It is recommended to complete a business loan eligibility check before applying.
Personal loan interest rates and charges at India Kredit are determined by a variety of factors, including the applicant's credit score, employment history, repayment capacity, and the loan amount. Outlined below are the key charges you can expect when applying for an instant* personal loan:
| Fee Type | Applicable Charges |
|---|---|
| Interest Rate | Starting from 13%* per annum |
| Processing Fee | Up to 3.75% of the total loan amount + GST |
| Loan Tenure | 12 to 60 months |
| Lowest EMI Per Month | Starting from INR 1,138* for 60 months |
| Prepayment Charges | 0% to 7%* |
| Loan Cancellation Charges (Loan Cancelled Before 1st EMI) | INR 1000 + GST |
| Cheque/ECS/ACH Direct Debit Dishonour Charges (per dishonour of cheque/ECS/NACH per presentation) | INR 500 |
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