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Get access to substantial funding with a ₹1 Cr business loan. Compare multiple lender offers, review interest rates and charges, and choose a repayment structure that suits you.
Last updated on: Jun 06, 2026
When you take a business loan of up to ₹1 Crore, the EMI varies depending on the loan tenure. Shorter tenures lead to higher EMIs but lower total interest, while longer tenures reduce the EMI but increase the total interest paid.
Below are examples of ₹1Cr business loan EMI for different tenure options at a fixed interest rate of 14% per annum.
| Tenure | EMI | Total Interest Payable | Total Repayment |
|---|---|---|---|
1 Year (12 months) |
₹8,97,871 |
₹7,74,454 |
₹1,07,74,454 |
2 Years (24 months) |
₹4,80,129 |
₹15,23,092 |
₹1,15,23,092 |
3 Years (36 months) |
₹3,41,776 |
₹23,03,947 |
₹1,23,03,947 |
5 Years (60 months) |
₹2,32,683 |
₹39,60,951 |
₹1,39,60,351 |
8 Years (96 months) |
₹1,73,715 |
₹66,76,641 |
₹1,66,76,641 |
Disclaimer: The EMI values provided are illustrative and based on a notional interest rate of 14% p.a. Actual EMI, interest payable, and total repayment will vary depending on the lender’s terms, loan structure, and your eligibility.
If you wish to check EMI amounts for other repayment periods, you can use the business loan EMI calculator for customised estimates.
While eligibility criteria may vary slightly across lenders, the following requirements are generally common:
You must be an Indian citizen
You must be self-employed (professional or non-professional)
You must have a registered business entity such as a Partnership, Limited Liability Partnership (LLP), or Private Limited Company
Your business must have been operational for at least six months
In addition, you will need to submit the following documents:
| Document Category | Accepted Documents |
|---|---|
Identity Proof (Any one) |
PAN Card, Aadhaar Card, Passport, Driving Licence, Voter ID |
Address Proof (Any one) |
Aadhaar Card, Passport, Utility Bills, Lease Agreement |
Income Proof (Any one) |
ITR with income computation, Bank Statements (last 6 months), Profit & Loss Statement and Balance Sheet (last 2 years) |
Business Proof (As applicable) |
Sole Proprietorship Declaration, Partnership Deed (certified copy), Memorandum and Articles of Association (certified copy) |
Disclaimer: Some lenders may ask you to furnish some additional documents when applying for the loan. Promptly submit these to ensure a smooth and hassle-free application process.
The general steps to apply for a ₹1 Crore Business Loan are as follows:
Visit the lender’s official website and choose the option to apply for a business loan.
Select your profession or employment type (such as self‑employed professional or non‑professional).
Enter basic details, including your mobile number and residential PIN code.
Review and accept the terms and conditions by ticking the required checkboxes.
Proceed to verify your details by entering the One‑Time Password (OTP) sent to your registered mobile number.
Continue with the application by providing the required personal, business, and financial information.
Once submitted, the lender will review your application and contact you regarding the next steps, document submission, and approval status.
Here are some of the most common and valuable uses of a ₹1 Cr loan for business:
A ₹1 Crore loan can provide the necessary capital to expand your business operations, whether by opening new branches or increasing production capacity.
You can use the loan to manage day-to-day business operations, such as covering payroll, purchasing raw materials, or handling inventory costs.
A ₹1 Crore business loan can be used to purchase new machinery or upgrade existing equipment, improving productivity and efficiency.
The funds can be invested in marketing campaigns and branding strategies to increase visibility and attract more customers.
You can allocate the loan to fund research and development for new products or services, driving innovation and staying ahead of competitors.
Consolidating existing business debts into one loan can simplify repayments and potentially reduce the overall interest burden.
A business loan of ₹1 Crore can also be used to purchase or lease commercial property, which can help with business growth and stability.
You can reserve part of the loan as emergency funds to safeguard against unexpected financial setbacks or business challenges.
Before making a decision, comparing multiple offers can help you choose the right financing solution. You can explore business loan options of up to 80 Lakhs on Bajaj Markets. Compare lenders, check eligibility, and apply online with minimal documentation to meet working capital or expansion needs efficiently.
Yes, you can get a business loan of ₹1 Crore if you meet the eligibility criteria. These include a good credit score, stable business operations for at least 1 year, and a minimum annual turnover as per your ITR. Lenders will assess your financial health and business performance.
Securing a ₹2 Crore business loan is possible if your business is financially stable, with a proven track record, a high credit score, and sufficient collateral. Lenders will evaluate your financials, business growth potential, and repayment capacity before approving such a large loan.
The maximum loan amount you can get for business depends on the lender and available collateral. While unsecured limits are capped, secured business loans can go up to a much higher amount to support large-scale expansion
Lenders generally evaluate your annual turnover to ensure it aligns with a ₹1 Crore loan request. Requirements vary across institutions, with some offering flexibility based on overall business profitability and cash flow.
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