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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 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

Your Business Loan EMI

₹ 86,858

Total Interest Amount

₹ 3,338,320

Principal Amount

₹ 50,00,000

Total Payable Amount

₹ 83,38,320

Loan Amount

Interest Rate

- +

Tenure

- +

Instant Approval

You can instantly compare loan offers from several business loan providers on Bajaj Markets.

Overview

As your business grows, so do its financial needs—whether for expansion, new projects, or rising costs. Funding options like a business loan of an amount as big as ₹50 Lakhs 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 ₹50 Lakh Business Loan Interest Rates by Various NBFCs

Before choosing a business loan, compare the interest rates 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.

Available Offerings	Interest Rate	Maximum Loan Amount	Maximum Tenure
Bajaj Finance Limited Business Loan	14% p.a. onwards	₹80 Lakhs	96 months
L&T Finance Business Loan	15.50% p.a. onwards	₹75 Lakhs	60 months
FlexiLoans Business loan	18% p.a. onwards	₹50 Lakhs	42 months
U GRO Capital Business Loan	24% p.a. onwards	₹50 Lakhs	72 months

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

₹50 Lakh Business Loan EMI for Different 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 ₹1,16,341.

This amount includes both the principal and interest components, with the interest portion reducing over time as the principal is repaid. Using a business loan 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 a 14% p.a. interest rate and a 5-year tenure:

Tenure	EMI Amount	Interest Rate	Total Interest Payable	Total Repayment Cost
₹50 Lakh Loan for 12 Months	₹4,48,935	14%	₹3,87,227	₹53,87,227
₹50 Lakh Loan for 24 Months	₹2,40,064	14%	₹7,61,545	₹57,61,545
₹50 Lakh Loan for 36 Months	₹1,70,888	14%	₹11,51,973	₹61,51,973
₹50 Lakh Loan for 48 Months	₹1,36,632	14%	₹15,58,354	₹65,58,354
₹50 Lakh Loan for 60 Months	₹1,16,341	14%	₹19,80,475	₹69,80,475

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

₹50 Lakh Business Loan: Fees and Charges

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 3.54% of the loan amount
Foreclosure Charges	Up to 10% of the loan amount + GST

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

How to Calculate Your Business Loan EMI

For instance, your ₹50 Lakhs business loan's interest rate is 14% p.a., and the loan tenure is 60 months. You can calculate your EMI using the given 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

Using the formula, the EMI will be ₹1,16,341. The total interest will be ₹19,80,475, and the total amount payable will be ₹69,80,475.

Eligibility & Documents Criteria for a Business Loan of ₹50 Lakh

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 CIBIL score of 700 or above
Profession: Self-employed professionals (e.g., doctors, CAs) or non-professionals (e.g., traders, manufacturers)
Age: Above 21 years of age
Business Type: Registered partnership, LLP, or private limited company
Business Vintage: At least 1 year of business operations
Annual Turnover: Minimum ₹1 Lakh as per ITR

You need to submit a few important documents for a business loan of ₹50 Lakhs. These help the lender verify your identity, business details, and financial status before approving the loan.

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	Bank statement for the last 6 months	Sole Proprietorship Declaration
Aadhaar card	Passport	ITR, in addition to certified copies with details, such as income computation	Authenticated copy of Partnership Deed
Passport	Utility bills	Profit and Loss (P&L) statement and balance sheet for the last 2 years	Certified copy of Memorandum and Articles of Association
Driving licence	Lease agreement
Voter ID

Lenders might request extra documents during the loan application process. Obtain the full list of required documents beforehand to stay prepared and ensure a smooth application experience.

How to Apply for a Business Loan of ₹50 Lakh

You can choose to apply for a business loan of ₹50 Lakh from the website or download the Bajaj Markets app. Follow these steps:

Click the 'Check Eligibility' button
Provide accurate personal and business details
Choose the desired loan amount and tenure
Complete and submit the application form

Following this, a representative will reach out to you to further process your application.

Monthly Payment Plan for a Business Loan of ₹50 Lakhs

Suppose you take a business loan of ₹50 Lakhs at an interest rate of 14% p.a. and a tenure of 24 months. To understand what your repayment would look like, check out the amortisation schedule given below:

Month	Payable Amount	Principal	Interest	Balance
Month 1	₹2,40,064	₹1,81,731	₹58,333	₹48,18,269
Month 2	₹2,40,064	₹1,83,851	₹56,213	₹46,34,418
Month 3	₹2,40,064	₹1,85,996	₹54,068	₹44,48,421
Month 4	₹2,40,064	₹1,88,166	₹51,898	₹42,60,255
Month 5	₹2,40,064	₹1,90,361	₹49,703	₹40,69,894
Month 6	₹2,40,064	₹1,92,582	₹47,482	₹38,77,312
Month 7	₹2,40,064	₹1,94,829	₹45,235	₹36,82,482
Month 8	₹2,40,064	₹1,97,102	₹42,962	₹34,85,380
Month 9	₹2,40,064	₹1,99,402	₹40,663	₹32,85,979
Month 10	₹2,40,064	₹2,01,728	₹38,336	₹30,84,251
Month 11	₹2,40,064	₹2,04,081	₹35,983	₹28,80,169
Month 12	₹2,40,064	₹2,06,462	₹33,602	₹26,73,707
Month 13	₹2,40,064	₹2,08,871	₹31,193	₹24,64,836
Month 14	₹2,40,064	₹2,11,308	₹28,756	₹22,53,528
Month 15	₹2,40,064	₹2,13,773	₹26,291	₹20,39,754
Month 16	₹2,40,064	₹2,16,267	₹23,797	₹18,23,487
Month 17	₹2,40,064	₹2,18,790	₹21,274	₹16,04,697
Month 18	₹2,40,064	₹2,21,343	₹18,721	₹13,83,354
Month 19	₹2,40,064	₹2,23,925	₹16,139	₹11,59,428
Month 20	₹2,40,064	₹2,26,538	₹13,527	₹9,32,891
Month 21	₹2,40,064	₹2,29,181	₹10,884	₹7,03,710
Month 22	₹2,40,064	₹2,31,854	₹8,210	₹4,71,855
Month 23	₹2,40,064	₹2,34,559	₹5,505	₹2,37,296
Month 24	₹2,40,064	₹2,37,296	₹2,768	₹0

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

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

Your CIBIL score, ranging from 300 to 900, reflects how well you manage credit. Applying for and repaying a business loan can affect your score in the following ways:

Pre-approval Impact:

When you apply for a loan, lenders carry out a credit check to review your credit history. Submitting multiple loan applications within a short period may temporarily reduce your CIBIL score, as each application triggers a separate enquiry. To improve approval chances and secure favourable loan terms, you need to have a credit score of 700 or higher.

Post-repayment Impact:

Your repayment behaviour after loan approval has a lasting effect on your credit score. Making timely repayments of your Equated Monthly Instalments (EMIs) improves your CIBIL score, particularly when the loan is linked to your credit profile. Any defaults or missed payments significantly lower your score and reduce your eligibility for future credit.

Uses of a ₹50 Lakh 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. Some of them include:

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.

Other Instant Business Loan Options

1 Lakh Business Loan	2 Lakh Business Loan	3 Lakh Business Loan
5 Lakh Business Loan	10 Lakh Business Loan	15 Lakh Business Loan
20 Lakh Business Loan	25 Lakh Business Loan	30 Lakh Business Loan

Frequently Asked Questions

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.

Can I get a business loan of ₹50 Lakhs without collateral?

Yes, many lenders on Bajaj Markets offer ₹50 Lakh business loans without any collateral.

What is the repayment tenure for a business loan of ₹50 Lakhs?

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.

How long does it take to get a business loan of ₹50 Lakhs approved?

Approval times can vary, but a ₹50 Lakh loan for business may be approved within 48 hours, provided all documentation is in order.

What happens if I default on a business loan of ₹50 Lakhs?

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

Can I prepay a business loan of ₹50 Lakhs?

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.

How can I apply for a ₹50 Lakh business loan?

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. Select the most apt option and complete the online application for quick approval and disbursal.

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₹50 Lakhs Business Loan

₹ 86,858

₹ 3,338,320

₹ 50,00,000

₹ 83,38,320

Overview

Compare ₹50 Lakh Business Loan Interest Rates by Various NBFCs

₹50 Lakh Business Loan EMI for Different Tenures

₹50 Lakh Business Loan: Fees and Charges

How to Calculate Your Business Loan EMI

Eligibility & Documents Criteria for a Business Loan of ₹50 Lakh

How to Apply for a Business Loan of ₹50 Lakh

Monthly Payment Plan for a Business Loan of ₹50 Lakhs

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

Uses of a ₹50 Lakh Business Loan

Other Instant Business Loan Options

Frequently Asked Questions

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

Can I get a business loan of ₹50 Lakhs without collateral?

What is the repayment tenure for a business loan of ₹50 Lakhs?

How long does it take to get a business loan of ₹50 Lakhs approved?

What happens if I default on a business loan of ₹50 Lakhs?

Can I prepay a business loan of ₹50 Lakhs?

How can I apply for a ₹50 Lakh business loan?

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