MSME Loan
Empower your Micro, Small, or Medium Enterprise with our specialized MSME loans designed to support business growth, expansion, and operational needs.
Interest Rate Starting From
9.50% p.a.
Processing Fee From
0.75%
Loan Amount Up To
₹5 Crore
Tenure Up To
10 Years
Quick Eligibility Check
Why Choose Our MSME Loan?
Our loans are tailored for the unique needs of Micro, Small, and Medium Enterprises in India.
Quick Processing
Fast loan processing with approvals in as little as 3-5 business days for eligible applications.
CGTMSE Cover
Eligible for Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) coverage for loans without collateral.
Higher Funding
Access substantial funding with loans up to ₹5 crore to meet various business requirements.
Flexible Terms
Choose from various tenure options up to 10 years, with repayment schedules aligned to your business cash flows.
Minimal Documentation
Simplified paperwork designed for MSMEs, with digital documentation options for faster processing.
Government Scheme Benefits
Benefit from various government schemes for MSMEs like PMMY, Stand-Up India, and interest subvention schemes.
MSME Loan Types
We offer various loan products specifically designed for different MSME needs.
Working Capital Loan
Short-term financing to manage day-to-day operations, purchase inventory, pay suppliers, and handle operational expenses.
- Amounts: ₹5 Lakhs to ₹2 Crore
- Tenure: Up to 3 years
Term Loan
Long-term financing for expansion, setting up new units, purchasing equipment, machinery, or vehicles, and infrastructure development.
- Amounts: ₹10 Lakhs to ₹5 Crore
- Tenure: Up to 10 years
Mudra Loan
Government-backed loans under the Pradhan Mantri Mudra Yojana (PMMY) for micro businesses with three categories: Shishu, Kishore, and Tarun.
- Amounts: Up to ₹50,000 (Shishu), ₹5 Lakhs (Kishore), ₹10 Lakhs (Tarun)
- Tenure: Up to 5 years
Equipment Financing
Dedicated financing for purchasing machinery, equipment, tools, or technology with the asset serving as collateral.
- Amounts: ₹5 Lakhs to ₹2 Crore
- Tenure: Up to 7 years
Invoice Financing
Short-term funding against unpaid invoices, helping businesses manage cash flow while waiting for customer payments.
- Amounts: Up to 80% of invoice value
- Tenure: 30 to 120 days
Women Entrepreneur Loan
Special loan packages under Stand-Up India or other schemes for women-owned MSMEs with preferential terms.
- Amounts: ₹10 Lakhs to ₹1 Crore
- Tenure: Up to 7 years
Eligibility Criteria
-
Business Registration
Must be a registered business entity (Proprietorship, Partnership, LLP, Private Limited Company).
-
MSME Classification
Must qualify as a Micro, Small, or Medium Enterprise as per MSME classification criteria based on investment in plant & machinery/equipment and turnover.
-
Business Vintage
Minimum 2 years of business operation; 3+ years for higher loan amounts.
-
Financial Performance
Should have maintained profitability for at least the last financial year (preferably last 2 years).
-
Credit History
Business and promoters should have a good credit history with a minimum CIBIL score of 700.
-
GST Registration
GST registration required for businesses with turnover above the applicable threshold.
Required Documents
-
Business Documents
- Business registration certificate/incorporation documents
- MSME registration/Udyam Registration Certificate
- GST registration (if applicable)
- Business license/trade license/shop & establishment certificate -
KYC Documents
- PAN card of business and promoters/directors
- Aadhaar card of promoters/directors
- Address proof of business premises
- Residence proof of promoters/directors -
Financial Documents
- Last 2 years' audited financial statements (Balance Sheet & P&L)
- Last 2 years' Income Tax Returns (Business & Promoters)
- Last 6-12 months' bank statements
- GST returns for the last year (if applicable) -
Business Operations
- Proof of business continuity (utility bills, rent agreements)
- List of existing clients/customers (for service businesses)
- Supplier details and purchase orders (if applicable) -
Collateral Documents (if applicable)
Property papers, valuation reports, or other asset documentation if offering collateral for secured loans.
MSME Loan Process
Our streamlined process makes it easy to get your MSME loan approved and disbursed quickly.
Apply Online
Fill our simple online application form with your business details.
Document Submission
Upload or submit the required business and financial documents.
Verification
Our team will verify your documents and may conduct a business visit.
Loan Approval
Once verified, you'll receive your loan approval letter with terms.
Disbursement
The approved loan amount will be transferred to your business account.
Frequently Asked Questions
Find answers to common questions about our MSME Loan offerings.
Ready to Grow Your MSME Business?
Apply for an MSME Loan today and get the funding you need to take your business to the next level.