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Aye Finance Business Loan interest rates start from 29.5% p.a. p.a., offering tailored financing designed to support micro, small, and medium enterprises.
Last updated on: Sep 12, 2026
Aye Finance offers tailored business loans to address the financial needs of MSMEs (Micro, Small, and Medium Enterprises). These loans come with competitive interest rates starting from 29.5% p.a. and flexible repayment tenures of up to 30 months. Borrowers can get loan amounts based on their financial requirements, making it a reliable funding option for working capital, expansion, or other business needs.
Here are the details of Aye Finance Business Loan interest rates along with the loan tenure, and amount:
| Particulars | Details |
|---|---|
Interest Rate |
Starts from 29.5% p.a. |
Loan Amount |
₹15,000 - ₹2 Lakhs |
Loan Tenure |
12-30 months |
Disclaimer: The mentioned details are subject to change at the discretion of the lender.
Here are the key details of the fees and charges associated with this business loan:
| Particulars | Loan Details |
|---|---|
Processing Fees |
Up to 2% of the loan amount, plus applicable GST |
Foreclosure Charges |
7% of the total loan amount, along with GST |
*Disclaimer: The mentioned charges are subject to change at the lender's discretion.
Secure a business loan of up to ₹2 Lakhs at interest rates starting from 29.5% p.a.
EMI calculations for business loans are simple. Let’s break the process with an example to understand how the EMI varies based on different tenures.
Suppose you take a business loan of ₹10 Lakhs at an interest rate of 29.5% p.a.. Here’s how your EMI would change depending on the repayment tenure:
| Tenure | Monthly Installment (EMI) | Total Interest Payable | Total Repayable Amount |
|---|---|---|---|
1 Year (12 Mos) |
₹19,448 |
₹33,379 |
₹2,33,379 |
2 Years (24 Mos) |
₹11,131 |
₹67,148 |
₹2,67,148 |
3 Years (36 Mos) |
₹8,436 |
₹1,03,683 |
₹3,03,683 |
| Tenure | Monthly Installment (EMI) | Total Interest Payable | Total Repayable Amount |
|---|---|---|---|
1 Year (12 Mos) |
₹48,621 |
₹83,448 |
₹5,83,448 |
2 Years (24 Mos) |
₹27,828 |
₹1,67,869 |
₹6,67,869 |
3 Years (36 Mos) |
₹21,089 |
₹2,59,207 |
₹7,59,207 |
| Tenure | Monthly Installment (EMI) | Total Interest Payable | Total Repayable Amount |
|---|---|---|---|
1 Year (12 Mos) |
₹97,241 |
₹1,66,896 |
₹11,66,896 |
2 Years (24 Mos) |
₹55,655 |
₹3,35,738 |
₹13,35,738 |
3 Years (36 Mos) |
₹42,178 |
₹5,18,414 |
₹15,18,414 |
Disclaimer: The values mentioned above are indicative. Check the actual payable EMIs with your lender before applying.
The interest rate for an Aye Finance Business Loan depends on several factors, including:
| Factor | How It Affects Your Rate |
|---|---|
Credit Score |
A CIBIL score of 700 or above demonstrates strong creditworthiness and can help secure a lower interest rate. |
Business Financials |
Businesses with stable revenue and strong financials may qualify for more favourable loan terms. |
Loan Amount |
Larger loan amounts could impact the interest rate depending on the lender’s policies. |
Loan Tenure |
Shorter repayment periods may result in slightly lower rates, while longer tenures often come with higher rates due to increased risk. |
Type of Business |
Businesses operating in stable industries with predictable cash flows are often considered lower risk and may get better interest rates. |
Applicant's Profile |
The financial stability of the applicant, repayment history, and other liabilities are key factors in determining the interest rate. |
Applying for an Aye Finance Business Loan through Bajaj Markets is a simple process. Follow these steps:
Click on the ‘Apply Now’ button on the loan application page
Provide your personal and business-related details, such as income and turnover
Choose Aye Finance from the list of available lenders
Enter the loan amount and tenure as per your requirement
Review all details carefully and submit your application
Once the application is submitted, Aye Finance will verify the details. Upon approval, the funds will be disbursed to your account within 7 days.
Reviewer
Foreclosure charges for Aye Finance Business Loans are 7% of the loan amount plus GST, as per lender policies.
Bounce charges are penalties applied when a loan instalment payment fails due to insufficient funds, dishonoured cheques, or mandate issues. For Aye Finance Business Loans, the bounce charge is ₹500 per instance.
Aye Finance Business Loans have interest rates starting from 29.5% p.a., subject to the borrower’s creditworthiness, loan terms, and financial profile.
Yes, your credit score significantly affects the interest rate. A higher credit score (recommended 700 or above) indicates strong creditworthiness and may help you secure better loan terms, including a lower interest rate.
Aye Finance charges a processing fee of up to 2% of the total loan amount, plus applicable GST. This fee covers administrative and verification expenses during application processing and is typically deducted directly from the sanctioned loan amount prior to final disbursal into your bank account.
To qualify, applicants must be aged 21 to 59 years and demonstrate a minimum of 3 years of continuous business operations. Additionally, business owners need consistent monthly revenue, verifiable bank transactions, and a preferred CIBIL score of 650 or higher to demonstrate reliable creditworthiness.
Borrowers can secure unsecured business loans up to ₹2 Lakhs from Aye Finance. The specific maximum amount sanctioned depends on your business's annual turnover, monthly cash flow stability, repayment capacity, and overall credit profile during evaluation.
While applicants with a CIBIL score of 650+ are eligible to apply, a credit score of 700 or above is strongly recommended. A higher CIBIL score demonstrates excellent credit discipline, significantly improves loan approval speed, and helps unlock more favorable interest rates and higher loan limits.
Once your digital application and required documents (identity, address, and bank statements) are submitted and verified, Aye Finance typically completes processing and disburses funds into your bank account instantly, ensuring swift access to working capital for your business needs.
Yes, Aye Finance Private Limited is a Non-Banking Financial Company (NBFC) fully registered with and regulated by the Reserve Bank of India (RBI). It specialises in providing structured, technology-driven micro-business loans to small and medium enterprises across India.
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