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Every business, irrespective of its size and nature, requires funding from time to time. A business loan is an unsecured credit that can help you meet your growing business’ urgent financial requirements. You can apply for a business loan to usher in the funds required to expand your existing business, boost its production, take your business online, procure inventory, buy equipment, and much more.
A business loan from Tata Capital provides quick and hassle-free funding to support your company’s growth. Whether you need capital to expand operations, purchase equipment, manage cash flow, or invest in new technology, our instant business loans offer flexible solutions.
Secure hassle-free funding up to Rs. 90 lakhs with minimal paperwork and easy online application; no lengthy processes or endless documentation. Choose a repayment tenure that suits your business needs and enjoy structured EMIs for better financial planning.
With Tata Capital’s business loans, you get the financial boost you need, when you need it, so you can focus on scaling your business with confidence.
Disclaimer: Business Loans are at the sole discretion of Tata Capital Limited (TCL). Terms and conditions apply.
Loan Amount
₹ 40,000 to ₹ 90 Lakhs
Loan Tenure
12 to 60 months
Self-Employed Non-Professional Interest rate starting @
14% - 26%
Self-Employed Doctors Interest rate starting
12% - 19%
Self-Employed Professional Other than Doctors Interest rate starting
12 % - 17.5 %
At Tata Capital, we provide business finance with simple eligibility criteria and minimal documentation. You can apply for an online business loan and get hassle-free funding of up to Rs. 90 lakhs. Below are our business loan eligibility requirements you need to fulfill:
Your age should be at least 21 years at the time of applying for the business loan and not more than 65 years at the time of the last EMI
Your credit score should be at least 675 or more
Business should be profitable
Minimum 2 years business stability
Banking balance should be at least Rs. 5000
At Tata Capital, you only need to submit a handful of documents to apply for a business loan online. These include-
KYC Documents–ID proof and address proof of the borrower (PAN Card, Voter ID Card, Passport, or Driving License)
Proof of business (Business Registration Certificate, GST Registration Certificate, Trade License, or a certified copy of the Partnership Deed Agreement or Sole Proprietorship Declaration)
Last two years’ Income Tax Returns and Computation of income
Audited financial with Tax audit report of the last two years
Profit and Loss Statement or balance sheet (duly audited by a CA) of the last two years
Current bank account statements for last six months
GST statements for the last six months
Tata Capital offers online business loans in India through its 5-step application process:
When you take a business loan, you’re required to pay Equated Monthly Instalments or EMIs every month towards its repayment. Your business loan EMIs depend upon various factors, including your business loan amount, tenure, and the rate of interest.
A business loan EMI calculator is a simple online tool that can help you evaluate the EMI amount that you will need to pay every month for the repayment of your business loan. Your EMIs will constitute both - the repayment of the principal component as well as the interest component of your business loan.
Here’s the formula a business loan EMI calculator uses to compute business loan EMI accurately:
E = P x r x (1 + r) ^ n / [(1+ r) ^ n – 1]
Here, E is the EMI amount, P is the principal amount, r is the rate of interest applicable on a monthly basis, and n is the tenor or duration for which the loan is taken.
With Tata Capital, you can avail of an instant business loan with zero collateral and minimum paperwork. Here are the different types of business loans available with us:
You can apply for a business loan in India with Tata Capital in the following ways:
Tata Capital provides the best business loans in India to strengthen new-age entrepreneurs. Being an owner of a micro, small, or medium-sized enterprise (MSME), you can avail of our MSME loan to nurture and expand your business. We also offer business loans for new businesses at a competitive business loan interest rate to support new entrepreneurs. You can use our business loan calculator to know the EMIs that you would have to pay for your small business loan and plan your repayments accordingly.
Women entrepreneurs can apply for business loans for women and avail of some exclusive features and added advantages. Our eligibility criteria and the documents required for a business loan are the bare minimum. . Furthermore, you don’t have to fret about how to get a business loan, as you can apply for it by filling out a business loan application form on our website, dialing our customer care number through our app, or visiting your nearest Tata Capital branch.
Legal Identity Identifier (LEI) : If a non-individual borrower has an aggregate exposure of Rs. 5 crore and above from banks and financial institutions, then that borrower shall be required to obtain Legal Entity Identifier (LEI) code at the time of sanction. Borrowers who fail to obtain the LEI codes from an authorized Local Operating Unit (LOU) within the timelines mentioned below as per different exposure brackets shall not be sanctioned any new exposure nor shall they be granted renewal/enhancement of any existing exposure.
| Total Exposure | LEI to be obtained on or before |
|---|---|
| Above Rs.25 Cr | April 30, 2023 |
| Above Rs.10 Cr upto Rs.25 Cr | April 30, 2024 |
| Rs.5 Cr and above, upto Rs.10 Cr | April 30, 2025 |
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