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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. With Bajaj Markets, you can gain access to quick and hassle-free funding options.

Your Business Loan EMI

₹ 90,381

Total Interest Amount

₹ 753,716

Principal Amount

₹ 25,00,000

Total Payable Amount

₹ 32,53,716

Loan Amount

Interest Rate

- +

Tenure

- +

Instant Approval

You can also make instant comparisons between loan offers from over 10+ Business loan providers on Bajaj Markets.

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 ₹5,75,987.

For a 96-month tenure at an interest rate of 14%, the monthly EMI will be approximately ₹51,514. The total interest payable over the loan period will be around ₹12,09,033.

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

Compare Lenders Offering Business Loans of ₹25 Lakhs on Bajaj Markets

Compare top lenders offering business loans of ₹25 Lakhs on Bajaj Markets. Check maximum interest rates and minimum EMI options, and apply online with quick approval.

Lender	Minimum Interest Rate	Maximum Loan Amount	Maximum Tenure
Bajaj Finance Limited	14% p.a.	₹80 Lakhs	96 Months
IIFL Finance	₹16.50%	₹30 Lakhs	48 Months
FlexiLoans	18% p.a.	₹50 Lakhs	36 Months
Lendingkart	19.20% p.a.	₹35 Lakhs	36 Months
KreditBee	18% p.a.	₹30 Lakhs	36 Months
Protium	20.50% p.a.	₹35 Lakhs	36 Months
Indifi	22% p.a.	₹30 Lakhs	36 Months
U GRO Capital	24% p.a.	₹50 Lakhs	72 Months

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

EMI for a Business Loan of ₹25 Lakhs for Various Tenures

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

To understand this better, consider the table below showing how your EMI could change for different tenures at a starting interest rate of 14% p.a

Tenure	EMI	Total Interest Payable	Total Repayment Cost
1 Year (12 Months)	₹2,24,468	₹1,93,614	₹26,93,614
2 Years (24 Months)	₹1,20,032	₹3,80,773	₹28,80,773
3 Years (36 Months)	₹85,444	₹5,75,987	₹30,75,987
4 Years (48 Months)	₹68,316	₹7,79,177	₹32,79,177
5 Years (60 Months)	₹58,171	₹9,90,238	₹34,90,238
6 Years (72 Months)	₹51,514	₹12,09,033	₹37,09,033
7 Years (84 Months)	₹46,850	₹14,35,402	₹39,35,402
8 Years (96 Months)	₹43,429	₹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.

Amortisation Schedule for a Business Loan of ₹25 Lakhs

Suppose you take a business loan of ₹25 Lakhs at an interest rate of 14% p.a. with a tenure of 12 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	₹2,24,468	₹1,95,301	₹29,167	₹23,04,699
Month 2	₹2,24,468	₹1,97,580	₹26,888	₹21,07,119
Month 3	₹2,24,468	₹1,99,885	₹24,583	₹19,07,235
Month 4	₹2,24,468	₹2,02,217	₹22,251	₹17,05,018
Month 5	₹2,24,468	₹2,04,576	₹19,892	₹15,00,442
Month 6	₹2,24,468	₹2,06,963	₹17,505	₹12,93,479
Month 7	₹2,24,468	₹2,09,377	₹15,091	₹10,84,102
Month 8	₹2,24,468	₹2,11,820	₹12,648	₹8,72,282
Month 9	₹2,24,468	₹2,14,291	₹10,177	₹6,57,991
Month 10	₹2,24,468	₹2,16,791	₹7,677	₹4,41,200
Month 11	₹2,24,468	₹2,19,320	₹5,147	₹2,21,879
Month 12	₹2,24,468	₹2,21,879	₹2,589	₹0

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

Fees and Charges for a Business Loan of ₹25 Lakhs Available on Bajaj Markets

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 4.72% of the amount

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

Eligibility Criteria for a ₹25 Lakhs Business Loan

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

Age: 21–60 years
Citizenship: Indian with a good CIBIL score
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 over ₹1.5 Lakhs as per ITR

Do note that these requirements may vary depending on the lender you choose to get the loan from. Thus, ensure to get a complete list of the criteria set by the loan provider and take active measures to meet the set requirements.

Documents Required for a ₹25 Lakhs Business Loan

When applying for a ₹25 Lakh business loan, prepare the following documents:

Identity Proof: (Any one of the following)

Aadhaar Card
Passport
PAN Card
Driving Licence
Voter ID Card

Address Proof: (Any one of the following)

Aadhaar Card
Utility Bills
Passport
Lease Agreement

Income Proof: (Any one of the following)

Income Tax Return (ITR) along with the income computation
Bank statement of the last 6 months
Profit and Loss Statement and Balance Sheet for the last 2 years

Business Proof (As applicable)

Partnership Deed (certified copy)
Sole Proprietorship Declaration
Memorandum and Articles of Association (certified copy)

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.

Different Uses of a ₹25 Lakhs 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.

How to Apply

Applying for a ₹25 Lakh business loan on Bajaj Markets is simple:

Click on the ‘Check Eligibility’ option on this page
Fill in your personal and business details
Enter your desired loan amount and repayment tenure
Submit the application form for processing

Following this, the loan provider will process your application and contact you for further proceedings.

Check Other Instant Business Loan Options

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Frequently Asked Questions

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. 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. Generally, loans are approved within 24-72 hours if all required documents are submitted and eligibility criteria are met.

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

Overview

Compare Lenders Offering Business Loans of ₹25 Lakhs on Bajaj Markets

EMI for a Business Loan of ₹25 Lakhs for Various Tenures

Amortisation Schedule for a Business Loan of ₹25 Lakhs

Fees and Charges for a Business Loan of ₹25 Lakhs Available on Bajaj Markets

Eligibility Criteria for a ₹25 Lakhs Business Loan

Documents Required for a ₹25 Lakhs Business Loan

Different Uses of a ₹25 Lakhs Business Loan

How to Apply

Check Other Instant Business Loan Options

Frequently Asked Questions

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