Get access to business loans of up to ₹50 Lakhs tailored to meet your financial needs.
A business loan of ₹50 Lakhs could provide essential financial support to cover operational costs, invest in business growth, or address urgent expenses. Bajaj Markets, a financial marketplace, enables you to compare loans with interest rates starting at 14% per annum and repayment tenures of up to 96 months. Its streamlined application process helps you identify loan options that align with your business needs efficiently.
You can review the interest rates offered by lenders to choose the most suitable option. Here are the rates and the associated charges for a ₹50 Lakh business loan:
Lender |
Starting Interest Rate (p.a.) |
Associated Charges |
FlexiLoans |
18.00% |
Processing fees of up to 2.5% of the loan amount |
U GRO Capital |
24.00% |
No processing fees |
Disclaimer: Interest rates and terms are subject to change at the lender's discretion.
The EMI for a business loan of ₹50 Lakhs is influenced by factors such as the loan amount, interest rate, and tenure. For example, at 14% p.a. over a tenure of 60 months, the EMI would be ₹11,634. This amount includes both the principal and interest components, with the interest portion reducing over time as the principal is repaid.
Using an EMI calculator could assist in estimating monthly instalments for various tenures and interest rates, helping with financial planning. Here’s a breakdown of how your EMI is structured for loan repayment and associated costs, based on a 18% p.a. interest rate and a 5-year tenure:
Tenure |
Principal Paid |
Interest Charges |
Outstanding Dues |
1st Year |
₹6,77,714.41 |
₹8,45,891.20 |
₹43,22,285.58 |
2nd Year |
₹8,10,287.68 |
₹7,13,317.98 |
₹35,11,997.90 |
3rd Year |
₹9,68,794.67 |
₹5,54,810.97 |
₹25,43,203.23 |
4th Year |
₹11,58,308.52 |
₹3,65,297.12 |
₹13,84,894.71 |
5th Year |
₹13,84,894.70 |
₹1,38,710.93 |
₹0.00 |
*Note: The values mentioned are approximate and meant for illustration only. For precise EMI details, it is advisable to contact your lender directly.
Calculating EMIs manually can be time-consuming and prone to errors. Instead, consider using the business loan EMI calculator on Bajaj Markets for accurate and hassle-free results.
To qualify for a business loan of ₹50 Lakhs, you may need to meet these basic criteria:
Citizenship: Must be an Indian citizen
Credit Score: Maintain a good CIBIL score
Profession: Self-employed professionals (e.g., doctor, CA) or non-professional (e.g., trader, manufacturer)
Age: Between 21 and 60 years
Business Type: Registered partnership, LLP, or private limited company
Business Vintage: At least 1 year of business operations
Annual Turnover: Minimum ₹1.5 Lakhs as per ITR
Having the necessary documents ready is essential when applying for a business loan of ₹50 Lakhs. Here's a concise list:
Identity Proof: PAN card, Aadhaar card, passport, driving licence, or voter ID
Income Proof: 6 months' bank statements, ITR, income computation, P&L statements, and balance sheets (last 2 years)
Address Proof: Aadhaar card, passport, utility bills, or lease agreement
Business Proof: Sole Proprietorship Declaration, Partnership Deed, or Memorandum and Articles of Association
Applying for a business loan of ₹50 Lakhs is simple. Follow these steps:
Hit the 'Check Eligibility' button
Provide accurate personal and business details
Choose the desired loan amount and tenure
Complete and submit the application form
A ₹50 Lakh business loan could help you meet the financial requirements associated with working capital, upgrading equipment, managing operational costs, or scaling your business without tapping into personal savings.
Many lenders offer ₹50 Lakh business loans without collateral if you maintain a strong credit score and your business demonstrates good financial health.
Repayment tenures for ₹50 Lakh business loans generally range from 1 to 8 years, depending on the lender’s terms and your repayment capacity.
Approval times can vary, but a ₹50 Lakh loan for business may be approved within 24–72 hours, provided all documentation is in order.
Defaulting on a ₹50 Lakh business loan could lead to penalties, harm your credit score, and may trigger legal action if the issue remains unresolved.
Yes, you may prepay a ₹50 Lakh business loan, though some lenders might apply a small prepayment fee based on their terms.