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An instant way to fund your larger expenses
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.
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.
With us, you can avail of the following benefits that we offer, along with a loan for ladies for business:
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
Your credit score should be at least 650 or more
Business should be profitable
Minimum 2 years business stability
Banking balance should be at least Rs. 5000
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: 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 |
Here is a list of the miscellaneous charges levied by Tata Capital for a business loan for women -
| Type of Fees | Applicable Charges |
|---|---|
|
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 |
The table below indicates the list of foreclosure charges involved in Tata Capital business loans for women:
| Type of Fees | Applicable Charges |
|---|---|
|
Foreclosure Charges |
|
|
Foreclosure Charges for Top-up |
|
|
Foreclosure Charges in CCOD Cases |
|
|
Foreclosure Letter Charge |
|
You can now apply for availing a loan for women for business using any of the following four methods-
You can now apply for availing a loan for women for business using any of the following four methods-
You can apply for a business loan with Tata Capital to meet all the financial requirements of your business. At Tata Capital, we provide an instant business loan so that you don’t have to wait to expand your business. Here’s why our business loan can be the best option for you:
At Tata Capital, we provide business loans with easy eligibility and minimal documentation. Here are the business loan documents that you will need to submit to avail of a business loan from us:
You may also require some additional documents at the time of loan processing. Visit the documents required page for more details.
We offer business loans for self-employed professionals (doctors, CAs, etc.) as well as non-professionals. Here is a list of customers that can apply for a business loan from us:
At Tata Capital, ensuring customer convenience is our top priority. That is why we allow the repayment of business loan EMIs through various payment instruments. You can choose to pay your EMIs through a direct debit facility, post-dated cheques (PDCs), or electronic clearance service (ECS).
With Tata Capital, you can apply for an online business loan by visiting our website and entering a few basic details. Or call our customer helpline number 1860 267 6060 to apply for a business loan through your phone. You can even visit your nearest Tata Capital branch and get in touch with one of our executives.
Yes. At Tata Capital, we don’t ask for collateral or security for providing business finance. This means you don’t have to put your personal or business assets on the line to qualify for business funding. Our business loans are 100% collateral-free.
If you are running an online retail store or an e-commerce website, you can apply for a business loan with Tata Capital for your working capital requirements. To get your online business loan approved, you must fulfill the following eligibility criteria:
Yes. If you have taken a business loan for your sole proprietorship business or partnership business, it will reflect in your personal credit report. If you fail to repay your business loan on time, your credit score might be impacted. However, if your company is an LLC, your business loan would affect only your business credit score and not your personal credit score.
By availing of a business loan in India, you can reduce your taxable income. Any interest levied on a business loan is eligible for tax deductions since the interest paid on a business loan is considered to be a business expense and not revenue. However, the principal component of a business loan is not tax-deductible.
Business loan eligibility criteria can vary from one lending institution to another. To become eligible for a Tata Capital Business Loan, you need to fulfill the following requirements:
For more details on our business loan eligibility criteria, visit our Business Loan Overview page.
A business account is not mandatory to get a business loan if you are running a sole proprietorship business. However, for a partnership business, corporation, or LLC, having a business account is mandatory for getting a business loan.
Your business loan EMI would depend on several factors, such as your business loan amount, loan tenure, and the applicable business loan interest rate. You can use our online Business Loan Calculator to know the exact EMI that you would have to pay for your business loan.
At Tata Capital, we provide business loans of up to Rs 75 lakh. However, the maximum business loan amount you can take will depend on your business loan eligibility and credit score. By having a good credit score and a profitable business, you can avail of the maximum loan amount.
With Tata Capital, you can take up to 60 months to repay your business loan. You have the flexibility to select a business loan tenure as per your repayment capability. You can even choose from different EMI plans to repay your business loan as per your income cycle.
At Tata Capital, the interest rate for a business loan is fixed. It means that your business loan interest rate and the EMI would not change during its repayment tenure. Our interest rate starts from - Self-Employed Non-Professional: 15% - 25%, Self-Employed Doctors: 12.00% - 15.00%, Self-Employed Professional Other than Doctors: 13.00% - 17.50%
At Tata Capital, we offer two types of Flexi EMI plans for business loan repayment:
You can apply for an instant business loan with Tata Capital and get on-the-spot approval for business funding. To apply for a business loan with us, you can take any of the following routes:
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