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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.

Product Offerings

  • Loan Amount

    We are offering a loan amount of Rs 0.40 Lac to Rs. 75 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: 15%-25%, Self-Employed Doctors: 12.00%-15.00%, Self-Employed Professional Other than Doctors: 13.00%-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

Features & Advantages

With us, you can avail of the following benefits that we offer, along with a loan for ladies for business: 

Secure Your Business Finances

We understand a woman entrepreneur’s passion to innovate, expand, and grow in unexplored markets, so we don’t let finances stand in the way. When you avail of a business loan for women, you are not only getting money, but you’re getting a women empowerment loan to make important business decisions

Serve Your Everyday Needs

You can also remain worry-free about your day-to-to needs to keep the business afloat

No Collateral Requirement

When availing of a business loan for women from Tata capital, we do not usually ask you to submit any securities. Our loans for women to start business are easy to avail of through a simple process

What are the Eligibility Criteria for a Business Loan for Women?

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

What are the Applicable Interest Rates 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:


Interest Rate

Self-Employed Non-Professional: 15%-25%, Self-Employed Doctors: 12.00%-15.00%, Self-Employed Professional Other than Doctors: 13.00%-17.50%

Processing Fee

2.50% of the loan amount + GST

Stamp Duty

As Applicable

Penal/Additional Interest Rate

3% on Overdue amount per month + GST

  • 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

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

Dishonour/Bounce Charges

Rs. 2,000 for every cheque/Payment Instrument Dishonour + GST

Mandate Rejection Service Charge

Rs. 450 + GST

CCOD Annual Maintenance Charges

0.25% on Dropline amount or Rs. 1,000, whichever is higher per year

Document Processing Fees

Rs. 1999 + GST

Outstation Collection Charges

Rs. 100 + GST per repayment tenure

Statement of Accounts (SOA)

Soft Copy – Nil.

Branch Walk-in – Rs. 250 + GST

Loan Cancellation Charges

2% of the loan amount or Rs. 5,750, whichever is higher + GST

Payment Instrument Swapping

Rs. 550 + GST

Duplicate Repayment Schedule

Soft Copy – Nil

Branch Walk-In – Rs. 550 + GST

Duplicate NOC

Rs. 550 + GST

Post-dated Cheque Charges

Rs. 850 + GST

  • 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
  • CCOD Annual Maintenance Charges - If you have chosen a flexible funding option for your women empowerment loan, such as Cash Credit or Overdraft, the maintenance service of your Overdraft account will be charged with a fee called CCOD 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

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

Foreclosure Charges

  • 4.5% on the future Principal outstanding on the existing loan + GST
  • No foreclosure allowed for the first nine months

Foreclosure Charges for Top-up

  • 2.25% on the future Principal outstanding on the existing + GST
  • Foreclosure charges shall be levied only if the new rate is lower than the existing rate

Foreclosure Charges in CCOD Cases

  • 4.5% on the Dropped Down limit amount + GST
  • No foreclosure is allowed for the first nine months

Foreclosure Letter Charge

  • Soft Copy – Nil
  • Branch Walk-In – Rs. 199 + GST
The following types of foreclosure charges can be applicable for a loan for women for business-
  • 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
  • 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 
  • Foreclosure Charges on CCOD 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 Overdraft.
  • 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 a Tata Capital Business Loan for Women ?

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

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

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

  • Online

    Apply online through our website and have your loan approved almost instantly 

  • Virtual Assistant

    You can apply via our 24/7 virtual assistant TIA at any time convenient to you

  • Phone Call

    You can call us on our customer care number at 1860 267 6060 between 9 am to 8 pm on Monday to Saturday. You can also request a callback


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What our customers say about us

We are fully satisfied about Tata Capital's services. Just want to say great experiences with customer services and timely response.


Business Loan | 10 April, 2023

It was extraordinary work by Tata Capital upto now. There are no more suggestions.


Business Loan | 17 February, 2023

Overall experience with Tata Capital was up to the mark.


Business Loan | 16 February, 2023

I was impressed with the way your staff handles their customers and if i come accross any family or friend who may be looking for any financial assistance, I shall surely recommend Tata capital


Business Loan | 24 December, 2022

Great service for people like me who really have to grow their bussiness thank you TATA CAPITAL


Business Loan | 07 December, 2022

It's a good experience with the Tata Capital team I am very impressed with your services


Business Loan | 01 November, 2022

My name is Sukanya, and I own a gym. To fund my gym, I took out a business loan from Tata Capital, and I was wowed by how quickly and smoothly the process went. Every time I need a loan for my business, I'm going to select Tata Capital.

Sukanya Giri

Business Loan | 13 March, 2022

I operate an online business and required a loan to fund it. I tried many banks at first, but there was a lot of paperwork involved, and I was unable to obtain a loan. After that, I filed for a Tata Capital Business Loan, which they granted me at a very reasonable interest rate. They offered highly flexible repayment alternatives, as well as excellent customer service that guided me through the entire process. Because of the simple process, I was able to get a loan for my online business without any complications.

Karan Sanghavi

Business Loan | 10 March, 2022

I had just started my business and was unfamiliar with the concept of taking out a loan, but Tata Capital made it extremely easy for me. With my loan, I received wonderful assistance. It is a hassle-free service with a speedy turnaround time and competitive interest rates.

Prakash Mehta

Business Loan | 21 February, 2022

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