BAJAJ FINSERV DIRECT LIMITED

₹50 Lakhs Business Loan

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.

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Its streamlined application process helps you identify loan options that align with your business needs efficiently.. 

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Your Business Loan EMI
₹ 598,049
Total Interest Amount
₹ 382,442
Principal Amount
₹ 50,00,000
Total Payable Amount
₹ 53,82,442
Loan Amount i
Interest Rate
- +
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Max value reached
Tenure
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You can also make instant comparisons between loan offers from over 10+ Business loan providers on Bajaj Markets.

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You can also evaluate the total interest amount and overall payable amount for better financial planning and budgeting.

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Overview

As your business grows, so do its financial needs—whether for expansion, new projects, or rising costs. Funding options like a ₹50 Lakh business loan can support these goals. Moreover, choosing the right repayment plan ensures easy, stress-free repayment without straining your day-to-day budget.

Here’s how the repayment may look across two different tenures:

  • For a 36-month tenure at an 18% p.a. interest rate, the EMI comes to around ₹1,80,762, with a total interest amount of about ₹15,07,431. 

  • If you choose a 72-month tenure, with the same interest rate, it lowers the EMI to roughly ₹1,14,039, but raises total interest amount to nearly ₹32,10,805.

With a simple application process, fast approval, and no collateral required, a ₹50 Lakh business loan can be a smart way to manage your financial requirements.

Compare Lenders Offering Business Loans of ₹50 Lakhs on Bajaj Markets

Before choosing a business loan, compare the terms offered by different lenders to find the best option for you. Here is a list of the lenders providing a ₹50 Lakh business loan on Bajaj Markets:

Lender Name

Minimum Interest Rate

Maximum Loan Amount

Maximum Tenure

Bajaj Finance 

14% p.a.

₹80 Lakhs

96 months

FlexiLoans

18% p.a.

₹50 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 ₹50 Lakhs for Various Tenures

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 is a breakdown of how your EMI is structured based on an 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

Disclaimer: These are approximate values and are meant for illustration only. For actual EMI values, reach out to the lender.

Amortisation Schedule for a Business Loan of ₹50 Lakhs

Suppose you take a business loan of ₹50 Lakhs at an interest rate of 18% p.a. and a tenure of 12 months. To understand how your repayment would look like, check out the amortisation schedule given below:

Month

Payable Amount

Principal

Interest

Balance

Month 1

₹4,58,400

₹3,83,400

₹75,000

₹46,16,600

Month 2

₹4,58,400

₹3,89,151

₹69,249

₹42,27,449

Month 3

₹4,58,400

₹3,94,988

₹63,412

₹38,32,461

Month 4

₹4,58,400

₹4,00,913

₹57,487

₹34,31,548

Month 5

₹4,58,400

₹4,06,927

₹51,473

₹30,24,621

Month 6

₹4,58,400

₹4,13,031

₹45,369

₹26,11,590

Month 7

₹4,58,400

₹4,19,226

₹39,174

₹21,92,364

Month 8

₹4,58,400

₹4,25,515

₹32,885

₹17,66,850

Month 9

₹4,58,400

₹4,31,897

₹26,503

₹13,34,953

Month 10

₹4,58,400

₹4,38,376

₹20,024

₹8,96,577

Month 11

₹4,58,400

₹4,44,951

₹13,449

₹4,51,626

Month 12

₹4,58,400

₹4,51,626

₹6,774

₹0

Disclaimer: These are approximate values and are meant for illustration only. For actual EMI values, reach out to the lender.

Fees and Charges for a Business Loan of ₹50 Lakhs Available on Bajaj Markets

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

Fees and Charges

Details

Processing Fees

Up to 2.5% of the loan amount 

Foreclosure Charges

Up to 4% of the amount  

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

Eligibility Criteria for a ₹50 Lakhs Business Loan

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., doctors, CAs) or non-professionals (e.g., traders, manufacturers)

  • 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

Documents Required for a ₹50 Lakhs Business Loan

To apply for a ₹50 Lakh business loan, you need to submit a few important documents. These help the lender verify your identity, business details, and financial status before approving the loan.

Identity Proof: (Any one of the following)

  • PAN card

  • Aadhaar card

  • Passport

  • Driving licence

  • Voter ID

Address Proof: (Any one of the following)

  • Aadhaar card

  • Passport

  • Utility bills

  • Lease agreement

Income Proof: (Any one of the following)

  • Bank statement for the last 6 months

  • ITR, in addition to certified copies with details, such as income computation

  • Profit and Loss (P&L) statement and balance sheet for the last 2 years

Business Proof: (As applicable)

  • Sole Proprietorship Declaration 

  • Authenticated copy of Partnership Deed

  • Certified copy of Memorandum and Articles of Association

Different Uses of a ₹50 Lakhs Business Loan

A business loan of ₹50 lakhs can help meet various financial needs for your enterprise. You can use this amount for several important purposes to grow and manage your business more effectively.

  • Business Expansion

You can use the loan to open a new branch, establish a new office, or expand your existing shop or factory. It enables you to reach new locations and attract a broader customer base.

  • Machinery and Equipment Purchase

The loan can finance the purchase of new machines, tools, or equipment. Investing in modern machinery enhances operational speed and improves product quality.

  • Working Capital Management

Daily business expenses such as salaries, rent, utility bills, and raw material procurement require consistent cash flow. This loan ensures you have sufficient working capital to run your operations smoothly.

  • Office or Shop Renovation

Renovation needs like repairs, new furniture, or upgrades to your workspace can be managed with this loan. An improved office or shop environment leaves a positive impression on customers.

  • Technology Upgrade

Businesses require updated software, computers, and digital tools to enhance efficiency. This loan supports investments in better technology, helping your operations become more agile and competitive.

  • Marketing and Advertising

The loan can fund initiatives like online advertisements, printed marketing materials, and social media campaigns. Strategic marketing efforts help attract new customers and drive business growth.

  • Hiring Skilled Professionals

Expanding your team with experienced employees, consultants, or specialists can be facilitated through this loan. Their expertise strengthens your business capabilities and supports long-term success.

How to Apply

Applying for a business loan of ₹50 Lakhs is simple. Follow these steps:

  1. Hit the 'Check Eligibility' button

  2. Provide accurate personal and business details

  3. Choose the desired loan amount and tenure

  4. Complete and submit the application form

Frequently Asked Questions

50 Lakh Business Loan
What are the benefits of taking a business loan of ₹50 Lakhs?

It provides substantial financial support to help your business grow. With quick approval, no collateral needed, and funds disbursed promptly, it ensures you can act fast on opportunities. Flexible repayment options and competitive interest rates make it an affordable and efficient financing solution.

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 on Bajaj Markets are up 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 48 hours, provided all documentation is in order.

Defaulting on a ₹50 Lakh business loan could lead to penalties, harm your credit score, and trigger legal action if the issue remains unresolved.

Yes, you can prepay a business loan of ₹50 Lakhs, but it may incur prepayment charges. These charges are usually a percentage of the prepaid amount and vary depending on the lender and the terms of your loan agreement.

To apply for a ₹50 Lakh business loan, simply visit Bajaj Markets and explore various lending options. You can compare interest rates, repayment tenures, and other terms to find the most competitive offer.

After selecting the most apt option, you can easily complete the application process online for quick approval and disbursal.

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