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Tata Capital offers business loan for women entrepreneurs aspiring to achieve new heights in the world of business and startups. With the ongoing surge of women-owned companies in the market, more and more women are joining the business bandwagon with their unique ventures. Be it a home-based catering service or large-scale entrepreneurship, Tata Capital offers financial assistance with a business loan for ladies.

What is a Business Loan for Women?

A business loan is typically meant to provide finances to a person or organization to help them grow their business.

 

Just like that, our women entrepreneurs loan is also exclusively meant for women to fulfill their financial needs for running or establishing their ventures. Our business loan for women comes with benefits like affordable interest rates, lower processing charges, and multiple EMI options.

Features of Business Loan For Women

  • Loan Amount

    We are offering a loan amount of Rs 1 lakh to Rs. 90 lakhs as a startup business loan for women to meet all kinds of business requirements

  • Loan Tenure

    With a repayment tenure range of 12 months to 60 months for a business loan for women, you are free to plan and pursue your business goals

  • Rate of Interest 

    Self-Employed Non-Professional: 16%-26%, Self-Employed Doctors: 12.00%-15.00%, Self-Employed Professional Other than Doctors: 13.25%-17.50%

  • Customized Product Offering

    We understand that every business has its own needs, so we have customized offerings and options for women entrepreneurs loan

  • Zero Securities

    We do not ask you to deposit collaterals or securities for availing a loan for women for business

  • Structured EMIs

    You can structure your EMIs in a way that best fits your budget

  • Easy Eligibility

    We believe in your dreams and aspirations, so we will go the extra mile to get you the ideal business loan for women that suits you best

Eligibility Criteria for Business Loans for Women Entrepreneurs

We have the following eligibility criteria for a loan for ladies for business:

    • 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

    • Business should be profitable

    • Minimum 2 years business stability

    • Banking balance should be at least Rs. 5000

Documents Required for Business Loan for Women

Here is the list of documents required to apply for a business loan for women with Tata Capital-

  • ID proof: Aadhaar card/ Voter ID/ Driving license/ Passport

  • PAN card

  • Income proof: Last two years’ ITR, last two years’ audited financials with tax audit report, profit and loss statement for the last two years, balance sheet

  • Business proof: Registration certificate/ Trade license/ GST registration/ a certified copy of the Sole Proprietorship Declaration or Partnership Deed Agreement.

  • Current bank account statements and GST statements for the last six months

Interest Rates and Charges for Business Loan for Women

Business loan for women in India comes with three types of charges, namely general charges, miscellaneous charges, and foreclosure charges. For more details, refer to the tables below:

General Charges


Here is an overview of the general charges appliable:

 

Type of Fees Applicable Charges

Interest Rate

Self-Employed Non-Professional: 16%-26%, Self-Employed Doctors: 12.00%-15.00%, Self-Employed Professional Other than Doctors: 13.25%-17.50%

Processing Fee

Upto 4% of the loan amount

Stamp Duty

As Applicable

Penal/Additional Interest Rate

3% on Overdue amount per month
  • Interest Rate - This is the rate at which the interest on your business loan would be calculated. This rate is commonly known as the interest rate of a business loan for women
  • Processing Fee - This is a one-time and non-refundable fee that the applicant needs to pay at the time of processing a business loan for women
  • Penal Interest/Additional Interest - This is the rate of interest that gets charged over and above the existing interest rate as a result of delayed EMI payments of a business loan for ladies. The borrower will have an obligation to pay delayed monthly installments inclusive of this additional interest amount

Miscellaneous Charges for Business Loans for Women Entrepreneurs

Here is a list of the miscellaneous charges levied by Tata Capital for a business loan for women -

Type of Fee Applicable Charges

Prepayment / Foreclosure Charges

Foreclosure charges on Term Loan Facility:
**4.5% on the principal outstanding at the time of foreclosure + Applicable Taxes

No foreclosure is allowed in first 9 months.6.5% charges if foreclosed within 9 months

 

Foreclosure charges on Top Up:
2.25% on the principal outstanding at the time of foreclosure

Foreclosure charges shall be levied only if new rate is lower than existing rate.

 

**Foreclosure Charges in Hybrid Term Loan:
4.5% on the Dropped down limit amount + Applicable taxes

No foreclosure is allowed in first 9 months.6.5%charges if foreclosed within 9 months

Processing Charges

As Applicable

Payment Instrument swapping

 

Rs. 550/-

Dishonour Charges

Rs 600 for every Cheque/ Payment Instrument Dishonor

Mandate rejection service charges

Rs. 450/-

(Charges will be levied if new mandate form is not registered within 30 days from the date of rejection of previous mandate form by Borrower’s bank for any reasons whatsoever.)

Annual Maintenance Charges (Hybrid Term Loan)

First Year: 0.75% or 1000 whichever is higher per year will be deducted from the limit and shall be payable at the end of the 13th month


Subsequent Years: 0.50% or 1000 whichever is higher per year will be deducted from the limit and shall be payable at the end of the 13th month

Document processing charges

Rs. 1999/-

Cancellation charges

2% of the Facility amount OR

Rs. 5750/- Whichever is higher

Duplicate Repayment Schedule

Rs. 550/-

Duplicate NOC

Rs. 550/-

Statement of Account (SOA)

Customer portal – Nil

Branch walk in – Rs. 250 /-

Foreclosure Letter Charge

Customer portal – Nil

Branch walk in - Rs 199/-

Post Dated Cheque Charges Rs

Charges Rs 850

section 138 and section 25 filing

At Actual

Arbitration Filing

At Actual

Receiver Order

At Actual

Notice

At Actual

Legal Notice

At Actual

Lawyer fees

At Actual

Execution of award

At Actual

Note: 
 

  • The amounts are net of taxes such as GST, etc.
  • GST, other Government taxes and levies as applicable, will be payable on all fees and charges in above mentioned

 

  • Bounce Charges - If your EMI payment gets bounced, your lender will levy a bounce charge. It usually occurs when you miss an EMI payment due to a lack of sufficient funds in your bank account
  • Mandate Rejection Service Charge - If you reject any of the services provided by your lender, then a mandate rejection service charge gets levied
  • CC Hybrid Term Loan Annual Maintenance Charges - If you have chosen a flexible funding option for your women empowerment loan, such as Cash Credit or Hybrid Term Loan, the maintenance service of your Hybrid Term Loan account will be charged with a fee called CC Hybrid Term Loan Annual maintenance charges
  • Document Processing Charges - Verification of startup business loan for women involves several stages, such as loan agreement, indexing, etc. The lender levies a charge on the processing of such documents. This charge is known as document processing fees. 
  • Outstation Collection Charges - Outstation cheques that have been issued to a non-local branch will accompany outstation collection charges levied on the collection of such cheques for EMI payments
  • Statement of Accounts - A bank statement is a list of all transactions made through your bank account for any given period. Your lender will charge an SOA fee for the hard copy of bank accounts; however, the soft copies do not incur any charges
  • Loan Cancellation Charges - Cancellation of a loan for women for business after the loan disbursal process will accompany loan cancellation charges
  • Instrument Swap Charges - Exchanging or swapping business loan liabilities or cash flow between two loan instruments incurs instrument swap charges
  • Duplicate Repayment Schedule - Receiving a duplicate of your loan amortization schedule will accompany a certain fee. The fee is only applicable for a hard copy, while the soft copy can be issued for free
  • Duplicate NOC - To issue a duplicate of the No Objection Certificate, for whatever reasons, the borrower will need to pay the lender a certain fee
  • Post-Dated Cheque Charges - Payments made using post-dated cheques (cheques in which the date mentioned is after the date on which it was drawn) will be accompanied by post-dated cheque charges

Foreclosure Charges for Business Loans for Women Entrepreneurs

The table below indicates the list of foreclosure charges involved in Tata Capital business loans for women:

Type of Fees Applicable Charges

Part-Prepayment/ Prepayment/ Foreclosure Charges as shown below in table.

Foreclosure charges on Term Loan Facility:

  • No Foreclosure and Part Payment is allowed in First 9 months from the date of disbursement. 6.5% charges if foreclosed/ part-prepaid within 9 months from the date of disbursement
  • 4.5% on the principal outstanding at the time of foreclosure


Part-Prepayment/ Prepayment/ Foreclosure charges on Top-up:

  • 2.25% on the principal outstanding at the time of foreclosure
  • Foreclosure charges shall be levied only if new rate is lower than existing rate.
     

Part-Prepayment/ Prepayment/ Foreclosure Charges in Hybrid Term Loan:

  • 4.5% on the Dropped down limit amount
  • No foreclosure and Part- Payment is allowed in first 9 months. 6.5%charges if foreclosed/ part-prepaid within 9 months

Foreclosure Letter Charge
  • Soft Copy – Nil
  • Branch Walk-In – Rs. 199
The following types of foreclosure charges can be applicable for a loan for women for business-
 
  • Part-Prepayment/ Prepayment/ Foreclosure Charges - In the instance of loan pre-payment, either in part or in full, certain charges are levied, which are known as foreclosure charges. These charges are not applicable on loans taken with floating interest rates
  • Part-Prepayment/ Prepayment/ Foreclosure Charges for Top-Up - The charges levied at the time of pre-payment of loan top-up when taken over and above the existing loan, are known as foreclosure charges for a top-up 
  • Part-Prepayment/ Prepayment/ Foreclosure Charges on CC Hybrid Term Loan Cases - The charges are levied on the pre-payment, whether in part or in full, of loans taken under flexible funding options such as Cash Credit or Hybrid Term Loan.
  • Part-Prepayment/ Prepayment/ Foreclosure Letter Charge - Your lender will issue a foreclosure notice or letter to notify you of missed EMI payments. The issuance of such a letter accompanies foreclosure letter charges. 

How to Apply for a Tata Capital Business Loan for Women ?

How To Apply For Business Loan For Women Offline?

You can now apply for availing a loan for women for business using any of the following four methods-

  • Branch

    You are welcome to physically visit any of our nearby branches, and one of our executives will guide you through the entire process

    Locate a Branch
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