Get a business loan in Delhi of up to ₹80 Lakhs with interest rates starting from 13.50% p.a.. Compare loan options, check eligibility, and apply online to meet your business funding needs.
Last updated on: Oct 19, 2026
Delhi's economy runs on clusters. Wazirpur turns out stainless steel and utensils, Naraina and Mayapuri house auto-component and engineering workshops, Okhla and Patparganj handle garment and export production, Kirti Nagar is the city's furniture and interiors market, and Chandni Chowk, Sadar Bazar, Karol Bagh and Gandhi Nagar move goods in wholesale volumes every day. Alongside these sit the retailers of Lajpat Nagar and Sarojini Nagar, the IT and consulting firms of Nehru Place and Connaught Place, and the logistics operators working out of Sanjay Gandhi Transport Nagar and Ghazipur.
Across such varied businesses, the funding needed is often the same: money to buy stock before the season, pay a supplier before a customer pays, replace an ageing machine, or simply keep cash flow steady through a slow month. A business loan can meet these requirements without tying up personal savings or waiting on receivables. By comparing multiple business loan offers in one place, a Delhi business owner can weigh interest rates, tenures, and eligibility terms side by side and choose the option that fits the enterprise's turnover, repayment capacity, and growth plans.
Delhi's business districts differ sharply in what they make, sell, and need, so the way a business loan is used tends to follow the cluster the enterprise belongs to.
Garment and export units in Okhla and Patparganj: Export orders often carry payment cycles of 60 to 90 days after shipment. A business loan can fund fabric and trim procurement, job-work charges, and wages during production, keeping the unit running while payments from overseas buyers are pending.
Steel, metal, and utensil manufacturers in Wazirpur: Stainless steel prices move frequently, and bulk purchases at the right time can protect margins. Financing can help buy raw material in volume, clear supplier dues promptly, and hold inventory when rates are favourable.
Auto-parts and engineering workshops in Naraina, Mayapuri, and Bawana: Orders from OEMs and Tier-1 vendors often require specific tooling, CNC machines, or quality-testing equipment. A loan can cover machinery upgrades, dies and moulds, and the working capital needed to take on larger production runs.
Wholesale traders in Chandni Chowk, Sadar Bazar, and Karol Bagh: Demand peaks around Diwali, the wedding season, and Rakhi, and stock has to be bought weeks in advance. Short-term funding can finance seasonal inventory, bulk procurement from manufacturers, and the gap between purchases and collections from retailers.
Furniture and interior businesses in Kirti Nagar: Large residential and commercial orders require upfront spending on timber, plywood, laminates, hardware, and fittings, with payment often linked to delivery. A business loan can bridge this gap and support the addition of workshop space or machinery.
Retailers, restaurants, and service firms across Delhi: Shops in Lajpat Nagar, Sarojini Nagar, and Kamla Nagar, eateries in Hauz Khas and Connaught Place, and IT, design, and consulting firms in Nehru Place and Okhla can use financing for rent, salaries, renovation, marketing, new outlets, and day-to-day working capital.
Logistics and transport operators in Sanjay Gandhi Transport Nagar and Ghazipur: Funding can go towards vehicle purchase, fleet repairs, fuel advances, and warehouse expansion, helping operators serve the National Capital Region's growing e-commerce and distribution demand.
Compare key benefits, repayment flexibility, and application features that can help you choose a suitable business loan in Delhi:
| Feature | Details |
|---|---|
Collateral |
Collateral-free (unsecured) funding, no asset pledge required |
Flexi Loan Facility |
Borrow, repay, and redraw funds as needed within your approved limit, paying interest only on the amount utilised |
Tenure |
Repayment flexibility of up to 96 months |
Documentation |
Minimal paperwork with a fully digital application process |
Disbursal |
Funds credited to your account within a day of approval |
Review and compare business loan options available on Bajaj Markets to find a financing solution that suits your funding needs and repayment capacity:
| Available Offerings | Starting Interest Rate | Maximum Loan Amount | Maximum Loan Tenure | Processing Fee |
|---|---|---|---|---|
14% p.a. |
₹₹80 Lakhs |
96 months |
Up to 4.72% of the loan amount (inclusive of taxes) |
|
15.5% p.a. |
₹75 Lakhs |
60 months |
Up to 2% of the loan amount + GST |
|
17% p.a. |
₹75 Lakhs |
72 months |
Up to 3% of the loan amount |
|
18% p.a. |
₹₹50 Lakhs |
42 months |
Up to 2.5% of the loan amount |
|
12% p.a. |
₹10 Lakhs |
36 months |
3% to 4.25% of the loan amount |
|
13.50% p.a. |
₹₹50 Lakhs |
36 months |
Up to 3% of the loan amount + GST |
|
20.5% p.a. |
₹35 Lakhs |
36 months |
1% to 6% of the loan amount |
|
22% p.a. |
₹10 Lakhs |
36 months |
3% to 4% of the loan amount + GST |
|
22% p.a. |
₹₹30 Lakhs |
36 months |
Up to 3% of the loan amount + GST |
|
22% p.a. |
₹10 Lakhs |
36 months |
Up to 4.72% (inclusive of taxes) |
|
29.5% p.a. |
₹₹2 Lakhs |
30 months |
Up to 2% of the loan amount |
Disclaimer: The above-mentioned information is subject to change as per changes in the lenders’ policies
The eligibility criteria for a business loan in Delhi generally depend on factors such as your age, credit profile, business vintage, turnover, and overall repayment capacity:
| Parameter | Requirement |
|---|---|
Nationality |
Indian citizen |
Age |
At least 21 years |
CIBIL Score |
650 or above |
Business Vintage |
Minimum 6 months |
Minimum Turnover |
₹2 Lakhs or above |
Work Status |
Self-employed professional or non-professional; business owner |
Business Type |
Proprietorship, partnership, LLP, or private limited company |
Disclaimer: Eligibility criteria vary by lender and are subject to change. Verify current requirements before applying.
The following documents are commonly required by lenders to verify your identity, business details, and repayment capacity when applying for a business loan in Delhi:
| Document Category | Documents Required |
|---|---|
KYC / Identity Proof |
PAN Card, Aadhaar Card, Passport, Driving Licence, Voter ID |
Address Proof |
Aadhaar Card, Passport, Utility Bills, Lease Agreement |
Business Proof |
GST/Udyam Registration Certificate, Shop & Establishment Certificate, Partnership Deed/LLP Agreement, Certificate of Incorporation (as applicable) |
Financial Documents |
Last 2 years' ITR, P&L statement, balance sheet |
Banking Records |
Bank statements for the last 6 months |
Click here to start the loan application process
Enter your mobile number and PIN code
Review and accept the applicable terms and conditions
Provide your PAN, business details, turnover, and business vintage
Compare loan offers available based on your eligibility
Select a suitable loan amount and tenure
Submit the required documents and complete verification
Complete KYC and approval formalities to receive disbursal
Business loans in Delhi are available from ₹2 Lakh to ₹80 Lakhs, with tenures up to 96 months and interest rates starting from 13.50% p.a.. Here's an illustrative EMI breakup for a ₹10 Lakh loan at 14% p.a.:
| Tenure | EMI | Total Interest | Total Repayment |
|---|---|---|---|
36 months |
₹34,172 |
₹2,30,192 |
₹12,30,192 |
48 months |
₹27,324 |
₹3,11,552 |
₹13,11,552 |
60 months |
₹23,261 |
₹3,95,660 |
₹13,95,660 |
Disclaimer: This is an indicative calculation at the minimum advertised rate. Actual EMI depends on the lender, loan amount, tenure, and your credit profile.
Reviewer
Business loan interest rates in Delhi start from 13.50% p.a. on Bajaj Markets, varying by lender, loan amount, tenure, and your credit profile.
Most lenders require a minimum business turnover of ₹2 Lakh, though this can vary depending on the lender and loan product.
Yes. Business loans on Bajaj Markets are typically unsecured, so you can access funds without pledging any asset as security.
Yes. A business loan can serve as working capital to cover production costs, fabric, labour, and processing, while payment against an export order is still being realised.
Yes. The Flexi loan facility is collateral-free and assessed on turnover and ITR, making it a common choice for traders in this segment.
Yes. End use is generally unrestricted, so funds can be used for timber and plywood procurement ahead of executing a bulk order.
Yes. Proprietors, traders, and retailers are eligible under the self-employed non-professional category, subject to the lender's eligibility criteria.