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Indifi is a lending platform that provides loans to small businesses. It aims to fill the credit gap which the small businesses witness in order to get access to loans. It provides loans for Travel, Hospitality, e-Commerce and Retail Businesses. Indifi business loans can be availed through a quick online process. Avail the Indifi Business Loan now at Bajaj Markets at low interest rates and reap amazing benefits.

How to Apply for Indifi Business Loan

You can apply for Indifi Business Loans by following these easy steps:

  • Filling Details Online

    Enter your personal and professional details

  • Select your Lending Partner

    From the list of loan offers, select Indifi to proceed

  • Specify Loan Details

    Select the loan amount and repayment tenure as per your choice

  • Approval & Disbursal

    Get online approval in 2 minutes and money sanctioned in your bank account within 48 hours

Indifi Business Loan Interest Rate and Charges

You can get an Indifi Business Loan with an interest rate starting at 16%. The other associated charges for the same is as follows: 


Indifi Business Loan

Interest Rate

Starting from 16% per annum (Reducing rate basis)

Associated Charges

Processing fee: Up to 3% of the loan amount + GST

Foreclosure charges: 4% of principal outstanding 

Prepayment Charges- No charges if done before 27th of the month*

Disbursal Time

Up to 48 hours (Loan offer sanction)

*The repayment tenure for the Indifi Business Loan is between 12-36 months.

Factors Affecting Indifi Business Loans Interest Rates

There are many factors which affect the interest rates of business loans. They come under internal and external factors, some of which are stated below.

  • Internal Factors – Here are some internal factors which directly affect the interest rates of your business loans. Below mentioned are some of the factors which directly affect the interest rates on the business loans.

  1. Credit History – Your credit score plays a huge role when it comes to even applying for a loan. All financial institutions and NBFCs monitor your credit score. The credit score has a direct impact on your interest rates. Your interest rates can fluctuate based on the credit score.

  2. Monthly Revenue – The monthly profit your business generates makes a high impact on your accountability on the repayment of loans. This directly affects the interest rates of the business. 

  • External Factors – 
  1. Economy – The economy of a country affects the interest rates of the loan. The macro-economy of a country has a direct effect of the disbursal of the loan amounts and is directly proportional to the interest loans on the loans.

  2. Monetary Policies – The latest monetary policies influence the interest rates of loans. It depends upon factors such as liquidity, cash flow and the circulation of currency.

  3. Inflation Rate – Higher inflation rates lead to higher interest rates. The inflation rates are directly proportional to the interest rates on the loans. 

These are some of the major factors that directly affect the interest rates on the loans. Many other factors affect the interest rates on loans, such as - collateral, type of business or the type of lender. These factors have an indirect effect on the interest rates. Apply for Indifi Business Loan now at Bajaj Markets now to enjoy the low interest rates.

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Features and Benefits of Indifi Business Loan

Quick Process

The process to get the Indifi Business Loan is very quick and easy. With minimum documentation and zero collateral, you can easily get the Indifi Loan.

Customized Loan Packages

Indifi has customized loan packages for all kinds of small businesses. It helps you to extract maximum benefits for your business type.

Easy Access and Flexible

 Idifi Loans are easily accessible to everyone. It is flexible and requires minimum documentation. It has a quick process which will save time and effort.


Indifi Business Loans are transparent; it has no hidden charges and helps in the welfare of your small business.

Quick Approval


You can get an instant loan approval, provided you meet the eligibility criteria.

Eligibility Criteria for Indifi Loan

There are some basic eligibility criteria for the Indifi Loan mentioned below:

  1. You must be between 22-60 years. 

  2. The annual turnover of the business must be at least Rs. 12 Lakhs.

Factors Determining Indifi Business Loan Eligibility

There are many factors which directly and indirectly determine the loan eligibility - 

  • Credit score – The credit score gives lenders an assurance that you can pay the loan on time without defaulting. 

  • Age – You must be in between the age group of 22-60 years to get the Indifi Business Loan. A person with lesser age would give assurance to the lender for the seamless repayment of the EMI.

  • Business vintage – Your business vintage will influence your business loan eligibility. A vintage of 2-3 years gives the lender an assurance that you have a stable source of income and that you can pay the EMIs on time.

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Documents Required for Indifi Loan

These are the basic documents required to avail Indifi Business Loans.

  • PAN Card 

  • Aadhaar Card 

  • Address proof of promoter(s) and firm

  • Business registration proof 

  • Bank Statement of last 6 months

  • Latest ITR – (If loan amount is greater than 15 Lakhs or if banking turnover is greater or equal to ₹1.5 Crores)

Types of Loans offered by Indifi

Indifi offers the following types of loans:

  • Term Loans – Indifi offers Term Loans of up-to ₹50 Lakhs at a low interest rate of 1.33% per month. It offers a repayment tenure of 36 months with a low processing fee up to 3%.

  • Line of Credit Loans – Indifi offers its Line of Credit Loans of up-to ₹1 Cr with a low interest rate at 1.5% per month. It needs a one-time approval for usage of 12 months. You pay according to your usage and the processing fee is just 2%.

  • Overdraft Loans- Indifi offers overdraft loans ranging between ₹50,000-₹1,00,000. It has an interest rate of 1.5%-2.5% which are competitive in nature with a flexible tenure of 12-36 months.

  • Merchant cash advance Loans- Indifi offers Merchant Cash Advance of up-to ₹1 Crores at an interest rate of 1.5% per month. It offers a repayment tenure of 12 months with a daily deductions’ facility. The processing fee for the same is 2%.
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FAQs on Indifi Business Loan

No, Indifi offers its Business Loans at zero collateral and minimum documentation.

The interest rate of the Indifi Business Loan starting from 16%.

Indifi offers business loans to business segments including transportation, e-commerce, retail, manufacturing and hospitality.

The Indifi Business Loans can be repaid through an eMandate, Net Banking, UPI and Cheques.

If you are making a pre-payment of the loan, the charges applied will come around 4% of the outstanding principal amount.

Yes, a foreclosure charge of 4% must be paid on the principal outstanding amount. There is no part-payment charge.

Yes, Indifi conducts a background check before approving a loan and it includes your CIBIL Score.

It depends upon many factors which include your monthly income, credit score, CIBIL score and much more.

To get an Indifi Business Loan, you must submit the following documents:

  • PAN Card 

  • Address Proof

  • Business registration proof

  • Bank Statement of the firm (last 6 months)

  • Latest ITR (in cases of loans exceeding 15 lacs)

Latest News Update

Indifi, a digital MSME lender, surpasses ₹1,500 Crores in AUM

Indifi Technologies announced its Assets under Management (AUM) worth ₹1,500 Crores in FY23. The company analyses the businesses and their repayment capabilities and disburses funding accordingly.

Indiffi was established in 2015 and became profitable in the first quarter of 2023 after disbursing 68,000 loans of up to ₹ 3,800 Crores. Aditya Harkauli, the Chief Business Officer, stated that the company aims to deepen its partnerships and associations with banks and lending institutions per the demand and supply.

- May 02, 2023

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