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Tata Capital offers hassle-free business loans of ₹10 Lakhs to help you meet your financial needs. Whether it’s for expansion, inventory, or working capital, our tailored solutions come with simple eligibility, competitive interest rates, and easy repayment options. Empower your dreams and take your business to the next level with us.
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.
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
Please note that this business loan documents list is indicative. The exact documents required for business loan may vary from case to case based on our assessment program. However, the KYC documents and six-month bank statements are common business loan documents required in each case.
For default in payment of interest and/ or principal amounts – 3% per month on defaulted amount (Annualized Penal Charge of 36%)
These are those charges that are levied in case of an EMI bounce per instance. In other words, these charges are levied when you miss a personal loan EMI payment due to inadequate funds in your bank account. At Tata Capital, you’ll be required to pay Rs. 600 for every Cheque/Payment Instrument Dishonour.
Charges will be levied if EMI is due but valid instrument is not available for banking due to Mandate rejected by Borrower’s bank or EMI Post-dated cheques(wherever applicable) are not available. Tata Capital charges a nominal amount of Rs. 450
Apart from the interest rate and processing fee, lenders can levy several types of business loan charges to cover unforeseen expenses during the loan tenure. These charges may include document processing fees, collection fees, and foreclosure charges, among others.
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
₹ 1999
Soft Copy - Nil
Branch walk-in - ₹ 250
Foreclosure charges on Term Loan Facility:
Part-Prepayment/ Prepayment/ Foreclosure charges on Top-up:
Part-Prepayment/ Prepayment/ Foreclosure Charges in Dropline Facility:
2% of the loan amount or ₹ 5750, whichever is higher
₹ 550
Soft copy - Nil
Branch walk-in - ₹ 550
₹ 550
Soft copy – Nil
Branch walk-in - ₹ 199
₹ 850
As applicable
At Actuals
Charges Rs 850
At Actuals
At Actuals
At Actuals
At Actuals
At Actuals
At Actuals
Broken Period Interest amount and 1st EMI date depend on the date of disbursal and the final figures would be mentioned in the Welcome Letter
Note:
You can apply for a business loan in India with Tata Capital in the following ways:
You can apply for a business loan in India with Tata Capital in the following ways:
To be eligible for a ₹10 lakh business loan from Tata Capital, you should be between 21 and 65 years old, and own a profitable business operating for at least two years.
After submitting your application and necessary documents, we will approve in few days’ basis multiple factors.
Yes, you can apply for a business loan online through our website by filling out the application form, uploading documents, and completing verification
You can calculate the EMI for a ₹10 lakh business loan using Tata Capital’s online EMI calculator. Enter loan amount, tenure, and interest rate to check your EMI.
If you default on a ₹10 lakh business loan, it may impact your credit score, incur penalties, and lead to legal action.
To get a ₹10 lakh business loan from Tata Capital, apply online, submit required documents, and complete verification.
Yes, you can start a small business.
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