Stock & inventory
Buy ahead of a festival or harvest season when margins are at their best.
Fuel your business, shape your future
Business / MSME Loan
சிறு மற்றும் நடுத்தர தொழில் கடன் — capital that arrives while the opportunity is still there.
Overview
Small enterprises rarely fail for lack of effort. They fail because working capital arrives a month after it was needed. Our MSME loan is built around that reality: a decision quickly enough to matter, and a repayment schedule shaped around how your trade actually earns.
We fund stock purchases ahead of a season, machinery and equipment, shop renovation, receivable gaps and general working capital. Whether you run a retail counter, a small manufacturing unit, a service business or a trading operation, the appraisal starts with your cash flow rather than a template.
If your business earns daily or weekly rather than monthly, say so. Repayment frequency can often be matched to your collection cycle, which is a far better protection against default than any amount of documentation.
Working capital support
Bridge the gap between paying suppliers and collecting from customers.
Equipment & machinery
Finance the tool, machine or vehicle that raises what your unit can produce.
Higher funding limits
Larger sanctions for established businesses with a demonstrable trading record.
Repayment matched to earning
Weekly, fortnightly or monthly instalments aligned to your collection cycle.
Common uses
What members use this loan for
Machinery & equipment
Add capacity, reduce wastage or take on work you previously had to refuse.
Shop & premises
Renovate, relocate or fit out a second location.
Before you apply
Eligibility & documents
Final eligibility is always confirmed after appraisal, as per prevailing Government norms.
Who can apply
- Business operating for the minimum period set by our policy
- Indian resident promoter, generally 21 years or above
- Valid business registration, licence or GST registration, as applicable
- Bank account records reflecting business turnover
- Satisfactory repayment record on existing business borrowings
Documents to keep ready
- Aadhaar and PAN of the proprietor, partners or directors
- Business registration, trade licence or Udyam certificate
- GST returns, where registered
- Bank statement for the last 12 months
- Profit and loss account and balance sheet, where prepared
- Income tax returns for the last 2 years, where applicable
- Proof of business address
Plan your instalment
Estimate your EMI
The sliders start at a typical figure for this product. Move them to match your own plan.
₹10,000₹1 Cr
6%26%
6 months20 years
Monthly EMI
₹0
Principal₹0
Total interest₹0
Total payable₹0
Instalments0 months
Indicative only. Rates shown are illustrative and are not an offer. Your actual rate, fees and eligibility are confirmed at sanction as per Government norms.
Apply with these figures
Questions
Business / MSME Loan — frequently asked
Is my business too small to apply?
Very unlikely. Micro enterprises are the core of what we do. What matters is that the business is real, running and generating a traceable cash flow.
Do you lend to businesses without GST registration?
Yes, where GST registration is not legally required for that turnover or trade. We will look at bank records and trade evidence instead.
Can I apply for seasonal working capital every year?
Yes. A clean repayment record on one seasonal facility is the strongest possible case for the next one.
Do you need security for a business loan?
It depends on the amount and the profile. Smaller facilities are often unsecured; larger ones may require collateral or a guarantor. You will know which applies before you submit documents.
Ready to apply for your business / msme loan?
Send us your details and a member of our team will call you back to confirm eligibility and the exact documents you need.