✓Minimal Documentation ✓Flexible Repayment ✓Collateral Free Loan | Apply for Business Loan Now! Check Eligibility

Along with being a leading digital payment platform, Paytm offers financing solutions to small and medium-sized enterprises. With its accessibility and affordability, the Paytm Business Loan has become a popular choice for entrepreneurs across the country. 

Read on to know the crucial Paytm Business Loan details and make an informed decision.

Paytm Business Loan Interest Rate & Charges

Paytm Loan for business comes with competitive interest rates that vary based on various factors, including the loan amount, tenure, and creditworthiness. In addition to interest rates, you may also have to pay processing fees, documentation charges, and other applicable fees.

This generally varies depending on the loan scheme and your credit profile. Given below is an overview of Paytm Business Loan interest rate, processing fee, and other charges:

Loan Sanction

Between ₹10,000 and ₹5 Lakhs

Interest Rate

According to the borrower’s profile and business requirements

Loan Tenure

Maximum 180 days

Processing Fee

2% of the principal amount + GST, as applicable

Overdue Charges



Not required

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

Paytm Business Loan EMI Calculator

Loan Amount
Rate of Interest
Business Loan
Your Monthly Business Loan EMI
Principal Amount
Total Interest
Total Amount Payable
Amortization Schedule
Download Amortization Schedule Download
Expand Amortization Schedule
Year EMI Principal Interest Balance

Paytm Business Loan Documents

To avail of an instant business loan from Paytm, you need to submit certain documents, which may include the following:

  • Business registration documents, such as GST registration, Partnership Deed, Memorandum of Association, etc

  • KYC documents of the borrower and co-borrower(s), including PAN card, Aadhaar card, etc

  • Financial documents, such as bank statements, Income Tax returns, audited financials, etc

  • Business vintage proof, such as GST returns, sales invoices, etc

  • Other documents as required by Paytm, depending on the loan scheme and borrower's profile

Paytm Business Loan Eligibility

Along with knowing the Paytm Business Loan documents required, understanding the eligibility is crucial. Eligibility criteria may vary depending on the specific loan scheme and your profile. 

Here’s the Paytm Business Loan eligibility criteria:

  • You must be an Indian resident and above 18 years of age

  • You must have a valid business registration, such as GST registration

  • Your business operations should be eligible for the loan

  • You must have a good credit history and financial track record

  • You must meet the minimum turnover and profitability criteria 

  • You must be a Paytm merchant

Features and Benefits of Paytm Business Loan

Paytm Business Loan offers several features and benefits, which include:

  • Quick and convenient online application process with minimal documentation requirements

  • Competitive interest rates to keep your borrowing costs and repayment affordable

  • Flexible repayment options with customised loan tenures

  • No prepayment charges on certain loan schemes, allowing you to repay the loan before the tenure without incurring any additional charges

  • The loan amount gets disbursed directly to your Paytm wallet or bank account for easy accessibility

  • Customised loan schemes for various business purposes, such as working capital finance, equipment purchase, business expansion, etc

Types of Business Loan Schemes Offered by Paytm

Paytm offers various types of business loan schemes to cater to different business needs, such as:

  • Working Capital Loan: Designed to meet the short-term working capital requirements of businesses, such as managing inventory, paying salaries, etc.

  • Term Loan: Offered for a fixed term and is generally used for long-term financing needs, such as purchasing equipment, expanding the business, or undertaking capital expenditure.

  • Merchant Cash Advance: Caters to merchants who accept payments through Paytm. The loan amount depends on the merchant's transaction history and sales volume.

  • Line of Credit: Provides a pre-approved credit limit that businesses can use as per their requirement, and interest is charged only on the amount utilised.

How to Apply for Paytm Business Loan

The Paytm Business Loan application process is simple and convenient. To apply, you need to place an enquiry from the official website. This will require you to submit your PAN card, mobile number, and pin code. 

Once you submit the enquiry, a representative will contact you to guide you. Ensure that you keep the necessary documents to have a seamless application process.

Paytm Customer Care

Paytm provides customer support around the clock through its app. You can visit the ‘Chat with Us’ section in the app for any queries, complaints, or assistance related to Paytm Business Loan or other services.

The Paytm Business Loan is a viable financing option for small and medium-sized enterprises (SMEs) in India, providing quick and convenient access to funds for various business needs. 

By understanding the interest rates, charges, eligibility criteria, and application process, you can leverage various business loan options and fuel the growth of your establishment. 

With competitive interest rates, flexible repayment options, and customised loan schemes, Paytm Business Loan offers a user-friendly and efficient way for entrepreneurs to meet their financial requirements. If you're a business owner looking for hassle-free financing, this business loan can be a viable option.


The information and suggestions provided by BFDL hereinabove is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.


The information including interest rates or fees, loan amount and other charges with regard to any product, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

Read More

FAQs on the Paytm Business Loan

Does Paytm provide loans?

Yes, Paytm business loan is offered to eligible borrowers as a part of their financial services offerings. Paytm offers various types of business loan schemes with different features and benefits to cater to the diverse needs of businesses.

Is Paytm loan interest-free?

No, a Paytm business loan is not interest-free. Like any other loan, it comes with an interest rate levied on the loan amount. The interest rate may vary depending on the loan scheme, loan amount, and your creditworthiness.

How can I get a ₹5 Lakh loan from Paytm?

To avail of a ₹5 Lakh loan from Paytm, you can follow the application process mentioned on their official website or mobile app. Ensure you meet the eligibility and submit all the required documents for a hassle-free application.

What is the minimum CIBIL Score for a Paytm loan?

The minimum CIBIL Score requirement for an instant business loan from Paytm may vary depending on the loan scheme and the credit policies of Paytm. You can check the Paytm website or contact customer care for the specific minimum CIBIL Score requirement for the desired loan scheme.

What is the minimum loan from Paytm?

The minimum loan amount you can avail of as a Paytm business loan may vary depending on the loan scheme. Generally, the business loan starts for an amount of ₹10,000 or even lower in some cases. This depends on the loan scheme and your creditworthiness.

What is the maximum business loan amount from Paytm?

The maximum loan amount you can avail as a Paytm business loan may vary depending on the loan scheme and your creditworthiness. Paytm offers business loans up to ₹5 Lakhs, depending on the loan scheme, credit assessment, and other factors.

Do I need to pledge any security for a business loan from Paytm?

No, a Paytm business loan is typically unsecured, so you do not require collateral or security.

What are the Paytm business loan foreclosure charges?

There are no foreclosure charges levied on a Paytm loan for business.

What is the processing period for the Paytm business loan?

Customers who have completed the KYC registration with Paytm can expect to receive a loan within minutes. However, the loan disbursement process may take up to 2 days for customers who are not yet KYC-registered.

What is the Paytm business loan repayment tenure?

The repayment period may vary depending on the loan scheme, loan amount, and the borrower's repayment capacity. Paytm offers flexible repayment options, typically up to 180 days, depending on the loan scheme and the agreed-upon terms.

Loan Offer
Download App
Credit Score