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How about checking some pre-approved offers you might be eligible for?

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  • Date of birth

You have a pre approved offer

  • Sum Assured
    Premium
    Persons Covered
  • Rate
    5%

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Business Loan Interest Rates & Charges

We offer affordable interest rates & processing charges for our business loan. Check out our business loan interest rates & charges with the help of the table given below.

  • Hybrid Flexi
  • Term

  • Interest Rate

    18% p.a
    onwards
  • Processing Fees Upto

    3%
    of the Loan Amount
  • Foreclosure Charges

    4%
    of the Outstanding Loan Amount + Applicable taxes outstanding as on the date of such full pre-payment
  • Annual Maintenance Charges*

    0.5%
  • Convenience Fees

    Rs. 4,499
  • Bounce Charges

    Rs. 3,000
    Inclusive of applicable taxes
  • Penal Interest

    2%
    Per month on Overdue EMI + Applicable taxes
  • Outstation Collection Charges

    Rs. 65
    + Applicable taxes
  • ECS Return Fees

    Rs. 450
    Inclusive of taxes

*The above charges are excluding taxes
These are indicative and subject to change at the discretion of lender/ without prior notice.

  • Interest Rate

    12.99 p.a.
    onwards
  • Processing Fees Upto

    3.99
    of the Loan Amount
  • Foreclosure Charges

    4
    Of Outstanding Loan Amount + Applicable taxes
  • Convenience Fees

    Rs. 4,499
  • Bounce Charges

    Rs. 3,000
    Inclusive of applicable taxes
  • Penal Interest

    2%
    Per month on Overdue EMI + Applicable taxes
  • Outstation Collection Charges

    Rs. 65
    + Applicable taxes
  • Part-Prepayment Charges

    2%
    On Part Payment amount + Applicable taxes
  • ECS Return Fees

    Rs. 450
    Inclusive of taxes
  • Secure Fee

    NIL
  • Upfront Interest

    NIL
  • Stamp Duty Charges

    Percentage/Amount mentioned state-wise

*The above charges are excluding taxes
These are indicative and subject to change at the discretion of lender/ without prior notice.

Factors That Determine Your Business Loan Interest Rate

  • Credit Score

A great score will always give you a competitive interest rate. High credit score will always be appreciated and will make your loan process smoother.

  • Business Experience

It basically means how much experience do you have in your business. The higher the experience, the easier it will be to avail a business loan with an affordable interest rate.

  • Monthly Revenue of your Business

Regular & stable income has a strong bearing on the repayment capability of your business. We make it a point to analyse the daily average balance before deciding your business loan interest rate.

  • Collateral

This means the security that you are willing to pledge for availing the business loan. The higher the value of the secured asset, the higher the chances of you getting the business loan at an affordable interest rate. Collateral such as home equity, deposits, equipment and investment real estate can be pledged as a security.

Documents Required for Business Loan

We offer business loan with minimal documentation which include the following

  • Aadhaar Card/Passport/Driving License

  • PAN Card

*Don't worry if you are asked to upload additional documents. We are just creating the best loan for you!

How to Calculate Business Loan EMI

Now that you’ve understood about the interest rates and documents required for your business loan. Let’s check how much monthly Business loan EMI you will have to pay.

Why Choose Finserv MARKETS?

A Loan from us will always give you benefits such as

  • End To End Online Process

  • Minimal Documentation

  • No Hidden Charges

To know more benefits on availing a business loan from Finserv MARKETS, please visit our Business Loan Features & Benefits section.   

Frequently Asked Questions on Business Loan

  • ✔️Why should I avail of a Business Loan online?

    Taking a Business Loan online is faster, secure, hassle-free and transparent. It will save you a lot of time and effort.

  • ✔️Why do Hybrid Flexi Loans have a higher interest rate than Term Loans?

    You can actually save on interest payments even though the base rate is marginally higher than a Term Loan. The innovative customer friendly features that come with Hybrid Flexi allows you flexibility and control on your loan repayment which can help you minimize the interest you pay. In case of any fund requirements, you can always withdraw from the part payments with funds instantly credited to your bank account.
  • ✔️How do I check my Business Loan eligibility?

    You can visit our Eligibility Calculator section for a quick check on your Business Loan eligibility.

  • ✔️What are my EMI dates? Can I change them?

    You can schedule your EMI payment date as the 2nd or 5th of every month. You may change your EMI dates after paying a nominal fee.
  • ✔️What is the loan processing fee?

    2% of the loan amount is charged as Processing Fee. This fee is deducted from the loan amount.
  • ✔️What are the part-payment charges?

    There are no part-payment charges on Hybrid Flexi loans. Term Loans come with a 2% part-payment fee.
  • ✔️What are the foreclosure charges?

    We charge you 4% of the outstanding principal as foreclosure charges.
  • ✔️Are there any annual maintenance charges for Hybrid Flexi Loan?

    It is 0.25% on the loan amount.
  • ✔️Are there any other hidden charges?

    No. We commit 100% transparency to you. There are no hidden charges at all.
  • ✔️What are the EMI bounce charges?

    We charge Rs. 1,000 per bounce for your Business Loan repayments.
  • ✔️What are the penal charges for my Business Loan?

    We charge 2% per month on overdue amount.
  • ✔️What happens if my EMI payment bounces?

    It is advised that you maintain sufficient funds in your account for clearing loan EMIs regularly. However, in case of an EMI bounce we would be charging bounce charges of Rs. 1,000 per bounce. You could also attract penal charges on further delay in paying the EMI which can impact your credit score.
  • ✔️How do I pay my EMIs?

    Your EMIs will be auto deducted from your bank account via automatic ECS instruction.
  • ✔️Where will I get the disbursed loan amount?

    The loan amount will be credited directly to your bank account.
  • ✔️What is ECS-mandate?

    ECS is an electronic mode of funds transfer from one bank account to another. You need to inform your bank and provide a mandate that authorizes the institution, who can then debit or credit the payments through the bank. The mandate contains details of your bank branch and account particulars.
  • ✔️How long does it take for the part-payment or withdrawal to reflect in the statement of account?

    The part-payment or withdrawal will reflect in your statement within 30 minutes.
  • ✔️Where can I view my EMI status?

    You can view and also download your Statement of Account or Repayment Schedule on Customer Portal. Alternatively, your statement of account will be forwarded to your registered email ID every month.
  • ✔️How can I get my loan account statement?

    You can view and also download your Statement of Account or Repayment Schedule on Customer Portal. Alternatively, your statement of account will be forwarded to your registered email ID every month.
  • ✔️Where can I view my outstanding loan amount?

    You can view and also download your Statement of Account or Repayment Schedule on Customer Portal.
  • ✔️Where can I access my loan documents?

    Scanned copies of your loan documents are available on the Customer Portal.

Happy Customers of Finserv MARKETS

Getting a loan to take care of my wedding and relieving my parents to enjoy the occasion was the best decision I ever made. Easy-to-apply, amazing interest rate and quick disbursal, what more can one ask for!

I am passionate about the vehicle I drive. I want to protect it with the best available option. What amazed me was the full transparency, quick quotes and the attractive discount on the premium while choosing the annual payment option!

Check your personal loan eligibility in seconds!

My husband and I will finally move into our own house this Diwali. All thanks to Bajaj Finserv, with competitive interest rates, minimal processing fees and easy to repay EMIs, our dream saw the light of reality in no time!

Get the best FD interest rates starting @ 8.40%. Let's start!

Kids grow up fast and to fulfill their dream trip to Disneyland I had everything but instant funds. With no collateral or guarantor required and a hassle-free processing, I gifted my family a memorable trip to Orlando with just a click!

Get sum insured up to 1 Crore! Let's start!

The best way to start looking for health insurance is to do a close study of the coverage needs and checking the insurance company's claim ratio. No unnecessary jargons, easy to apply claims process and choice of premia!

Zero additional charge on part-payment option on Business loans! Let's start!

I bought my first iPhone using my Bajaj Finserv EMI Network Card. Zero downpayment with a No cost EMI on Bajaj Finserv EMI store just made my day!

Get home loan sanctioned online in 72 hours! Let's start!