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BAJAJ FINSERV DIRECT LIMITED

₹25 Lakhs Business Loan

A ₹25 Lakh loan can help you meet diverse business needs. These can include expanding your operations, upgrading infrastructure, purchasing equipment, and managing your working capital requirements. On Bajaj Markets, you can gain access to quick and hassle-free funding options.

Your Business Loan EMI

₹ 43,429

Total Interest Amount

₹ 1,669,160

Principal Amount

₹ 25,00,000

Total Payable Amount

₹ 41,69,160

Loan Amount

Interest Rate

- +

Tenure

- +

Instant Approval

On Bajaj Markets, explore and compare loan deals from 8+ business loan providers instantly. Assess the total interest and overall payable amount to make informed budgeting decisions.

Overview

If you are a business owner looking to expand operations, upgrade infrastructure, or purchase equipment, a ₹25 Lakh business loan can be a wise choice. On Bajaj Markets, you can access funding from several lenders at competitive interest rates starting from 14% p.a.

You can select a tenure that aligns with your cash flow and repay through easy EMIs. Here is how the monthly repayment may look:

For a 36-month tenure at an interest rate of 14%, the monthly EMI will be approximately ₹85,444, with a total interest outgo of around ₹5,75,986.

For a 96-month tenure at an interest rate of 14%, the monthly EMI will be approximately ₹43,428. The total interest payable over the loan period will be around ₹16,69,160.

A shorter tenure reduces total interest costs, while a longer tenure results in lower monthly payments but increases the overall interest payable.

Compare ₹25 Lakh Business Loan Interest Rates Offered by Various NBFCs

Compare top lenders offering business loans of ₹25 Lakhs on Bajaj Markets. Check the table below for minimum interest rates, maximum amounts, and more.

Available Offerings	Starting Interest Rate	Maximum Amount	Maximum Tenure	Processing Fees
Bajaj Finance Business Loan	14% p.a.	₹80 Lakhs	96 months	Up to 3.54% (Inclusive of applicable taxes) of the loan amount
L&T Finance Business Loan	15.50%	₹75 Lakhs	60 months	Up to 2% + GST of the loan amount
IIFL Finance Business Loan	16.50% p.a.	₹30 Lakhs	48 months	Up to 2.5% of the loan amount
FlexiLoans Business Loan	18% p.a.	₹50 Lakhs	42 months	Up to 2.5% of the loan amount
KreditBee Business Loan	18% p.a.	₹30 Lakhs	36 months	3% to 4.25% of the loan amount
Lendingkart Business Loan	19.20% p.a.	₹35 Lakhs	36 months	Up to 3% of the loan amount + GST
Protium Business Loan	20.5% p.a.	₹35 Lakhs	36 months	1% - 6% of the loan amount
Indifi Business Loan	22% p.a.	₹30 Lakhs	36 months	Up to 3% of the loan amount + GST
UGRO Capital Business Loan	24% p.a.	₹50 Lakhs	72 months	NIL

Disclaimer: The above-mentioned details are subject to change at the lender’s discretion.

₹25 Lakh Business Loan EMI for Different Tenures

When you take a ₹25 Lakh business loan, you typically have the flexibility to choose a repayment tenure that suits your requirements. Your EMI amount will vary depending on the tenure you select.

Consider the table below showing how your EMI could change for different tenures at the interest rate of 14% p.a.

Tenure	EMI Amount	Interest Rate	Total Interest Payable	Total Repayment Cost
₹25 Lakh Loan for 12 Months	₹2,24,468	14%	₹1,93,614	₹26,93,614
₹25 Lakh Loan for 36 Months	₹85,444	14%	₹5,75,987	₹30,75,987
₹25 Lakh Loan for 48 Months	₹68,316	14%	₹7,79,177	₹32,79,177
₹25 Lakh Loan for 60 Months	₹58,171	14%	₹9,90,238	₹34,90,238
₹25 Lakh Loan for 96 Months	₹43,429	14%	₹16,69,160	₹41,69,160

Disclaimer: Note that these are approximate values and are meant only for illustration. For actual EMI values, reach out to your lender.

₹25 Lakh Business Loan: Fees and Charges

You may need to pay additional charges along with the EMI and interest rate. The details are provided below.

Charges	Details
Processing Fees	Up to 6% of the loan amount
Foreclosure Charges	Up to 10% + GST

Disclaimer: The above-mentioned details are subject to change at the lender’s discretion.

How to Calculate Your Business Loan EMI

Assume you have taken a business loan of ₹25 Lakhs at an interest rate of 12% p.a. for 36 months You can calculate your business loan EMI using the following formula:

EMI = [P x R x (1+R)^N] / [(1+R)^N-1]

where:

P = Loan amount (Principal)
R = Monthly interest rate (Annual interest rate ÷ 12 ÷ 100)
N = Loan tenure in months

This results in an approximate EMI of ₹83,035 per month. You may adjust the loan amount, interest rate, or tenure to view different EMI outcomes. Alternatively, you can use an online business loan EMI calculator for quick and accurate results.

Eligibility Criteria and Documents for a Business Loan of ₹25 Lakhs

To qualify for a business loan of up to ₹25 Lakhs, you may need to meet the following eligibility requirements:

Age: Over 21 years
Citizenship and Creditworthiness: Indian with a CIBIL score of over 700
Eligibility: Self-employed professional/non-professionals
Business Type: Partnerships, LLPs, and private limited companies
Experience: Minimum 1 year in current business
Income: Annual income of at least ₹1 Lakh as per ITR

Here are some essential documents you might have to submit when applying for a business loan of ₹25 Lakhs:

Identity Proof: (Any one of the following)	Address Proof: (Any one of the following)	Income Proof: (Any one of the following)	Business Proof: (As applicable)
PAN card	Aadhaar card	Income Tax Return (ITR) along with the income computation	Partnership Deed (certified copy)
Aadhaar card	Passport	Bank statement of the last 6 months	Sole Proprietorship Declaration
Passport	Utility bills	Profit and Loss Statement and Balance Sheet for the last 2 years	Memorandum and Articles of Association (certified copy)
Driving licence	Lease agreement
Voter ID

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.

How to Apply for a Business Loan of ₹25 Lakhs

Follow these simple steps to apply for the loan on Bajaj Markets’s website as well as the mobile app:

Select the ‘Check Eligibility’ option on this page
Enter personal and business information in the digital application form
Pick the loan amount and tenure that suits your needs
Submit the form for prompt verification

Following this, a representative will reach out to you for further verification and loan approval.

₹25 Lakh Business Loan Monthly Payment Plan

Suppose you take a business loan of ₹25 Lakhs at an interest rate of 14% p.a. with a tenure of 6 months. The following table presents the monthly breakdown of payments, including the principal amount, interest component, and remaining loan balance:

Month	Payable Amount	Principal	Interest	Balance
Month 1	₹4,33,845	₹4,04,678	₹29,167	₹20,95,322
Month 2	₹4,33,845	₹4,09,400	₹24,445	₹16,85,922
Month 3	₹4,33,845	₹4,14,176	₹19,669	₹12,71,746
Month 4	₹4,33,845	₹4,19,008	₹14,837	₹8,52,738
Month 5	₹4,33,845	₹4,23,896	₹9,949	₹4,28,842
Month 6	₹4,33,845	₹4,28,842	₹5,003	₹0

Disclaimer: Note that these are approximate values and are meant only for illustration. For actual EMI values, reach out to your lender.

Impact of Pre- and Post-Business Loan Approval on CIBIL Score

Your CIBIL score reflects your creditworthiness and is influenced at both the pre-approval and post-repayment stages of a business loan.

Pre-approval Impact

When you apply for a loan, lenders carry out a hard enquiry on your credit report. Multiple enquiries within a short period may slightly reduce your score. Maintaining a high score increases your chances of approval with favourable terms.

Post-repayment Impact

Regular and timely EMI repayments help improve your CIBIL score by demonstrating responsible credit behaviour. In contrast, delayed or missed payments can significantly lower your score and reduce your eligibility for future loans.

Uses of a ₹25 Lakh Business Loan

A business loan of up to ₹25 Lakhs provides the financial flexibility needed to support and grow your business. Here are several ways you can use the funds:

Starting a New Business

Starting a new business involves various upfront expenses, such as renting office space, purchasing furniture, and setting up utilities. You also need to invest in initial marketing campaigns and branding to build awareness for your business from the ground up.

Expanding Business Operations

When your current business performs well, a ₹25 Lakh loan helps expand operations by opening new branches or stores. You also have to increase your workforce, hire skilled employees, or enhance infrastructure to accommodate business growth.

Managing Cash Flow Issues

Cash flow challenges often occur in businesses, particularly during off-season or periods of reduced sales. This business loan provides working capital to cover bills, payroll, and other essential expenses without interrupting daily operations.

Purchasing Equipment

Use this loan to purchase essential equipment that boosts production. You can also use the funds to stock up on inventory, meet customer demand, or take advantage of bulk purchasing opportunities.

Handling Emergency Expenses

Unexpected emergencies, such as equipment failure or urgent repairs, disrupt business operations. A business loan ensures you have the financial cushion to manage unforeseen expenses without affecting cash flow or growth plans.

Check Other Instant Business Loan Options

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Frequently Asked Questions on 25 Lakh Business Loan

25 Lakh Business Loan

What are the benefits of taking a ₹25 Lakh business loan?

A ₹25 Lakh business loan provides financial support for various business needs. These include scaling your business operations, purchasing machinery, and managing working capital. It often comes with flexibility in repayment, collateral-free, competitive interest rates, and a simple application process.

Can I get a ₹25 Lakh loan for business without collateral?

Yes, you can get a business loan without providing any collateral from Bajaj Markets. The approval of such loans depends on factors like your credit score and the performance of your business.

What is the repayment tenure for a ₹25 Lakh business loan?

The repayment tenure for a ₹25 Lakh business loan on Bajaj Markets can go up to 96 months. The exact tenure will depend on the lender's terms and your repayment capacity.

How long does it take to get a business loan of ₹25 Lakh approved?

The approval time for a ₹25 Lakh business loan depends on the lender and other factors.

What is the interest rate on a ₹25 Lakh business loan?

The interest rate for a ₹25 Lakh business loan typically starts at 14% p.a. on Bajaj Markets. However, the exact rate may vary depending on factors like your creditworthiness, business profile, and lender terms.

How can I apply for a ₹25 Lakh business loan?

You can apply for a business loan of ₹25 Lakhs easily online through Bajaj Markets. Simply fill out the online application form, submit the required documents, and wait for the approval process.

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₹25 Lakhs Business Loan

₹ 1,669,160

₹ 25,00,000

₹ 41,69,160

Overview

Compare ₹25 Lakh Business Loan Interest Rates Offered by Various NBFCs

₹25 Lakh Business Loan EMI for Different Tenures

₹25 Lakh Business Loan: Fees and Charges

How to Calculate Your Business Loan EMI

Eligibility Criteria and Documents for a Business Loan of ₹25 Lakhs

How to Apply for a Business Loan of ₹25 Lakhs

₹25 Lakh Business Loan Monthly Payment Plan

Impact of Pre- and Post-Business Loan Approval on CIBIL Score

Pre-approval Impact

Post-repayment Impact

Uses of a ₹25 Lakh Business Loan

Check Other Instant Business Loan Options

Frequently Asked Questions on 25 Lakh Business Loan

What are the benefits of taking a ₹25 Lakh business loan?

Can I get a ₹25 Lakh loan for business without collateral?

What is the repayment tenure for a ₹25 Lakh business loan?

How long does it take to get a business loan of ₹25 Lakh approved?

What is the interest rate on a ₹25 Lakh business loan?

How can I apply for a ₹25 Lakh business loan?

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