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Business Loan offerings and advantages in Lucknow

Multi-purpose Loans
Tata Capital’s business loans are flexible. So, you can customise them as you need. Fund your working capital, update your machinery, take your business online or invest in new equipment and machinery with our multi-purpose business loans.

No Collateral Needed
With Tata Capital’s collateral-free loans, there is no need to risk your business assets on the line to secure financing.

Structured EMI Plans
Choose a flexible loan tenure from 12 to 36 months, and repay your funds comfortably. What’s more, you can decide your EMI amount as per your business cash flow.

Simple Documentation
Getting a loan from Tata Capital doesn’t require any cumbersome paperwork. Our loan application and approval process involve only basic documentation.

  • Loan Amount

    ₹ 0.40 lakh to ₹ 90 lakhs

  • Loan Tenure

    12 to 60 months

  • Self-Employed Non-Professional Interest rate starting @

    15%-25%

  • Self-Employed Doctors Interest rate starting

    @ 12.00%-15.00%

  • Self-Employed Professional Other than Doctors Interest rate starting

    @ 13.00%-17.50%

Business Loan EMI Calculator

Loan amount
₹
9,000,000%1,000,000%
₹1,00,000₹90,00,000
Loan duration
1%5%3%
1 Year5 Years
Loan duration
12%60%36%
12 Months60 Months
Rate of interest
%
26%12%
12% p.a26% p.a

Monthly EMI

₹33,214*

Created with Highcharts 9.0.1Total Amount ​ Payable​₹11,95,715*​Total Amount ​ Payable​₹11,95,715*Total Interest ​ Payable​₹1,95,715*​Total Interest ​ Payable​₹1,95,715*

  • Total Amount Payable

    ₹11,95,715*

  • Total Interest Payable

    ₹1,95,715*

Total Amount Payable

₹11,95,715*

Total Interest Payable

₹1,95,715*

Apply Now

Special Scheme for Women Entrepreneurs

If you're a woman entrepreneur with a solid business idea, here are a few government schemes to avail affordable finance for your business venture

Pradhan Mantri Rozgar Yojna

The Pradhan Mantri Rozgar Yojna scheme offers flexible financial assistance to women entrepreneurs from all industries and services to fulfil their dream of owning a business. With an aim to create self-employment opportunities for women in the country. If you wish to establish an industry-based start-up, you can avail a maximum loan amount of Rs. 5 lakhs for capital requirements.

Shakti Scheme

The Shakti Scheme offers financial support for women entrepreneurs in various sectors, including retail, trade, education, agriculture, manufacturing, and more. While the maximum loan amount can vary depending on the industry, you can secure a loan of up to Rs. 5 lakhs with no processing fee and a rebate of 0.50%.

Purpose of Business Loans

Operating a thriving business in a commercial city like Lucknow requires you to have immediate availability of funds at all times. A business loan can provide you with ample funds for various purposes.

Purchase raw material

If you have a manufacturing business in Lucknow, you need a regular supply of raw material to keep the unit running at full production capacity. However, it can lead to sizeable investment, especially during the peak season when the demand is high. Here, a business loan can provide you with enough funds to purchase raw materials and keep up with the market demand without any worries.

Install new equipment

Access to the latest equipment is crucial to ensure smooth business operations but calls for significant financial investment. With a business loan from Tata Capital, you can introduce new equipment and technology to your business at flexible interest rates!

Maintain cash flow

As a small business, if you're unable to meet your business’ liquidity needs – such as overhead expenses, inventory, salary, and more – a business loan can help introduce additional funds to the business and ease your worries.

What are Interest Rates for Business Loans in Lucknow?

As several small businesses are coming up in Lucknow, numerous lenders and NBFCs in the city provide business loans in Lucknow. You can use them to arrange cash for your business, hire more workers, buy new equipment, expand your business, take your brand online, and many other purposes.

Business loan interest rates in Lucknow depend on several factors such as:

  • CIBIL score

  • Income

  • Business vintage and company tenure

  • Annual turnover

A high CIBIL score (preferably 700 and above) and a stable income increase the chances of your loan getting approved quickly. Your lender will also offer you lower interest rates.

Tata Capital offers you some of the lowest Business Loans interest rates in Lucknow, along with easy repayment options. Now, you can grow your business without worrying about the burden of repayment.

What are the eligibility criteria for a Business Loans in Lucknow?

Here are the Business Loans eligibility criteria for Tata Capital:

  • Your age should be between 25 to 65 years

  • Your CIBIL score must be 700 or more

  • Your business should be profitable for at least three successive financial years

  • Your business turnover must display an upward trend

  • Your balance sheet be audited by a registered Chartered Accountant (CA)

What are the documents required for getting Business Loan in Lucknow?

Your company’s bank statements for the last 6 months

Income tax returns for the last 2 years

Balance sheet and profit & loss accounts for the past 2 years

KYC documents of the company

KYC documents of the business owners

A report with detailed information about how your will utilise the loan amount

Photo identity proof (Submit any one of these: Aadhar card, driving licence, voter id, passport)

Your bank statements

Business proof

How to apply for a Business Loan online in Lucknow?

1

Online Application

Fill up the form and input your personal details.

2

Document Submission

Upload the required documents and hit ‘Submit’

3

Verification

We will verify your business loan application and documents, and call you for a personal discussion regarding your application.

4

Post Approval

Once your application is approved, the loan is sanctioned.

5

Disbursal

And you’re done. You will receive the required business loan amount directly in your bank account.

Apply Now

Other Ways to Apply for a Business Loan in Lucknow

You can reach out to us in various ways to apply for a business loan in Lucknow:

  • Visit our branch
    Walk into one of our country-wide branches and our executives will guide you through the entire process.

  • Through the phone
    Call us at 1860 267 6060 and speak to our representatives.

  • Through a virtual assistant
    You can even apply for your business loan with the help of a loan processing virtual assistant.

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Know more about Business Loans

Thinking of expanding your business?  Want to take your business to new heights? From expanding your operations to upgrading your equipment, Tata Capital has got your back! Let Tata Capital business loans fuel your entrepreneurial spirits and help turn your business dreams into reality!

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