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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, 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.

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 also make instant comparisons between loan offers from over 10+ 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 ₹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 ₹50 Lakhs Business Loan Offers by Various Banks & NBFCs

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:

Available Offerings	Minimum Interest Rate	Maximum Loan Amount	Maximum Tenure
Bajaj Finance Limited Business Loan	14% p.a.	₹80 Lakhs	96 months
FlexiLoans Business loan	18% p.a.	₹50 Lakhs	36 Months
U GRO Capital Business Loan	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.

₹50 Lakhs Business Loan Monthly Payment Plan

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)	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

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:

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

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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.

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

Many lenders offer ₹50 Lakh business loans without collateral if you maintain a strong credit score and your business demonstrates good financial health.

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, harm your credit score, and 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.

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

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₹50 Lakhs Business Loan

Overview

Compare ₹50 Lakhs Business Loan Offers by Various Banks & NBFCs

EMI for a Business Loan of ₹50 Lakhs for Various Tenures

₹50 Lakhs Business Loan Monthly Payment Plan

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

Eligibility Criteria for a ₹50 Lakhs Business Loan

Documents Required for a ₹50 Lakhs Business Loan

Different Uses of a ₹50 Lakhs Business Loan

How to Apply

Check Other Instant Business Loan Options

Frequently Asked Questions

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