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Business Loan offerings and advantages in Ahmedabad

Collateral-free loans
Apply for a business loan in Ahmedabad with Tata Capital without any need for security! Avail of a collateral-free loan without affecting your personal or business assets.

Multipurpose
Running a business in Ahmedabad will open up you to a world of opportunities. That is why business loans with Tata Capital are flexible enough to keep up with your dynamic business requirements. Update your machinery, expand your existing operations, boost production, or fulfil your working capital needs.

Simple application
Getting a business loan in Ahmedabad has never been this easier. We offer a simple online application process and minimal paperwork requirements so that you don’t have to spend too much time waiting for your funds.

  • Loan Amount

    ₹ 0.40 lakh to ₹ 90 lakhs

  • Loan Tenure

    12 to 60 months

  • Self-Employed Non-Professional Interest rate starting @

    15%-25%

  • Self-Employed Doctors Interest rate starting

    @ 12.00%-15.00%

  • Self-Employed Professional Other than Doctors Interest rate starting

    @ 13.00%-17.50%

Business Loan EMI Calculator

Loan amount

₹
₹75,000 ₹35,00,000

Loan duration

1 Years 6 Years

Loan duration

12 Months 72 Months

Rate of interest

%
10% p.a 19% p.a

Monthly EMI

  • Total Amount Payable

    0*

  • Total Interest Payable

    0*

Total Amount Payable

Total Interest Payable

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    Special Scheme for Women Entrepreneurs

    To encourage more women into the world of entrepreneurship, the government has introduced several business loan schemes in Ahmedabad

  • Pradhan Mantri Rozgar Yojna

    Primarily focused on creating self-employment opportunities for women in India, the Pradhan Mantri Rozgar Yojna offers financial support of up to Rs. 2 lakhs for the services sector and up to Rs. 5 lakhs for industrial start-ups.

  • Udyogini Scheme

    The Udyogini Scheme provides financial assistance to women entrepreneurs in rural areas. Businesswomen between the age of 18 to 55 can opt for a business loan of up to Rs. 3 lakhs.

  • Cent Kalyani Scheme

    Under the Cent Kalyani scheme, women who wish to start their small business or expand their existing one can get a collateral-free business loan. Businesses in the retail and agriculture industry are eligible for this loan.

    Purpose of Business Loans

    Establishing a successful business in a big city like Ahmedabad requires adequate availability of finance. A online business loan can help you meet various financial needs.

  • Start a new business

    Being an important textile and industrial hub of India, the city of Ahmedabad is full of exciting business opportunities. If you’ve got the next big business idea, you can make it happen with a business loan from Tata Capital.

  • Expand operations

    Whether you want to scale your production capacity, open a new shop, or enter a new market, you need enough funds to achieve that. A business loan is an easy way to introduce additional capital for investing.

  • Buy machinery

    If your business heavily relies on the latest machinery and equipment, regular upgradation becomes a critical factor. Now with a business loan from Tata Capital, you can avail an affordable loan to purchase or upgrade your existing machinery and boost your production capacity.

What are Interest Rates for Business Loans in Ahmedabad?

As an emerging industrial hub with ample business opportunities, Ahmedabad is one of the top Indian cities with an economy worth $80 billion. Considering its growing status in various sectors like commerce, communication, and construction, Ahmedabad is rapidly becoming a business hotspot.

Since Business Loans interest rates  in Ahmedabad depend upon your eligibility, it is crucial to fulfill the criteria set by the lender. This will help you in getting an affordable business loan in Ahmedabad to seamlessly invest in your business.

At Tata Capital, you can enjoy competitive interest rates that make your loan much more affordable. This is because your EMI payments are directly impacted by interest rates. So, avail of a business loan from Tata Capital for the lowest business rates in Ahmedabad and get your funds in no time!

What are the eligibility criteria for a Business Loans in Ahmedabad?

The Business Loans eligibility  comprise various factors like business turnover, age, CIBIL score, etc., that you must fulfil for getting flexible business finance:

  • The candidate must be between 25 to 65 years of age
  • A candidate must own a business that is profitable for at least three successive years
  • The CIBIL score requirement is 700 or above
  • The business turnover must portray an upward trend
  • Balance sheet must be audited by a registered Chartered Accountant

    What are the documents required for getting Business Loan in Ahmedabad?

  • Income tax returns (Last two years)

  • Company bank statements (Last six months)

  • Balance sheet and Profit and Loss Account of the company (Last two years)

  • KYC documents of the business owners

  • KYC documents of the business

  • A detailed business plan

  • Photo ID proof

  • Business proof

  • Bank statements

How to apply for a Business Loan online in Ahmedabad?

    1

    Simply visit our website and click on ‘Apply Now’. Enter your personal and occupational details. We will run a check to ascertain your eligibility for the loan.

    2

    Once you fulfil the eligibility, we’ll ask you to submit the required business loan documents to proceed with the loan application.

    3

    Next, we will verify your loan application and the submitted paperwork. Our representative will get in touch with you. Post-verification, we will sanction the required loan amount and offer an e-sanction letter.

    4

    Finally, you will receive your funds in the least time possible.

    Apply Now

Other Ways to Apply for a Business Loan in Ahmedabad

To apply for business loan in Ahmedabad, you can connect with us in various ways:

  • Online
    Swiftly apply for a business loan by visiting our website and entering your basic details.

  • Via phone
    Avail a flexible business loan with a quick phone call. Contact us at 1860 267 6060 to get started with the process..

  • Visit our branch
    Another convenient way is to visit one of our many branches in the country, and our executives will guide you through the process.

  • Virtual assistant
    Looking for more? Apply for a business loan with the help of our loan processing virtual assistant.

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Know more about Business Loans

Thinking of expanding your business?  Want to take your business to new heights? From expanding your operations to upgrading your equipment, Tata Capital has got your back! Let Tata Capital business loans fuel your entrepreneurial spirits and help turn your business dreams into reality!

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FAQs on Business Loan in Ahmedabad

Why Tata Capital Business Loan?

Here’s why our Business Loan is the perfect match for you:

  • We don't ask for any security or guarantor for our Business Loan
  • You get the flexibility of choosing from business loan repayment options
  • For our existing customers, we regularly provide exclusive pre-approved offers on business loans
  • Convenient Online access to all details regarding your business loan.
  • We offer unsecured business loans up to ₹ 90,00,000
  • We seek minimum documentation
  • We give you quick online approval once you share the minimum documents we need

What the mode of repayment?

You can repay through Post Dated Cheques, Electronic Clearance Service (ECS) or Direct Debit.

Who can opt for a business loan in Ahmedabad?

Business loans are available to both professionals and non-professionals that are self-employed. Business loans interest rates are highly competitive and are typically approved quickly. The following types of companies can secure business loans –

  • Sole proprietorship

  • Partnership firm

  • Private limited companies

  • Closely-held public limited companies

  • Societies

  • Trusts

  • Hospitals, nursing homes, diagnostic centres, pathological labs 

How does a business loan work?

A typical structure of a business loan involves a lending institution extending capital to a business owner, for which interest is charged. The business owner must pay back the business loan amount along with the applicable interest, in the form of Equal Monthly Instalments (EMIs), over a predetermined period of time known as loan tenure.

Three core components make up a business loan –

  • Principal amount – Also known as the loan amount, the principal is the sum of money a business owner borrows from a lending institution.
  • Rate of interest – The rate of interest is the cost of borrowing the business loan, generally expressed as a percentage of the principal amount. This is the amount that you need to pay in addition to the principal loan amount.
  • Loan Tenure – The tenure is the period for which the business loan is borrowed. Business loan tenure is calculated from the date of first disbursement till the date of payment of the final disbursement. 

What is the minimum CIBIL score to get a business loan in Ahmedabad?

To avail a business loan, one must ideally have a CIBIL score of 700 or above. The same is true for both self-employed professionals such as doctors and engineers as well as self-employed non-professionals such as suppliers or manufacturers.

CIBIL or credit score plays a huge role in determining business loan eligibility. Since a company’s CIBIL score is its credit footprint, it enables lenders to know the timely repayment ability of the business loan applicant. 

What is the maximum tenure for a business loan?

Business loans are typically short-term loans. Though business loan tenure may differ from lender to lender, most lending institutions extend business loans for a tenure ranging from 12 months to 36 months. 

What are the different types of business loans?

Lending institutions offer different types of business loans, designed to meet specific needs. They are as follows –

  • Machinery loans – Machinery loans are designed exclusively to meet the expansion needs of businesses via the purchase of advanced machinery and equipment.

  • MSME/SME loans – Designed to encourage the growth of small and medium-sized business enterprises, MSME/SME loans is a credit facility that can be availed for purchasing equipment, meeting operational expenses, and upgrading infrastructure.

  • Business loans for women – These loans are extended to women business owners to help them expand their business and push them towards financial independence. 

How much EMI do I need to pay for a business loan?

The amount of business loan EMI that you will be required to pay towards the repayment of your business loan will largely depend upon three factors, as given below –

  • Principal loan amount – The higher the principal amount, the higher will be the EMI amount you will need to pay.

  • Rate of Interest – The higher the rate of interest, the higher will be the EMI amount you will need to pay.

  • Loan Tenure – The EMI is inversely related to the loan tenure. The shorter the loan tenure, the higher will be the EMI amount you will need to pay.

    For a quick and accurate assessment of your business loan EMIs, use a handy online tool such as the business loan EMI calculator. 

What can business loans be availed for?

Business loans can be availed for a variety of reasons. You can use different types of business loans to purchase infrastructure for expanding operations, to increase production via the purchase of new and advanced machinery, to purchase and store inventory in advance of seasonal sales, to build a workforce of skilled employees, and to increase working capital. 

Can I get a business loan without any collateral?

Yes, you can get a business loan without any collateral or security. 

How to get a business loan approved for an online business?

You can take an online business loan for your online retail store or e-commerce website. You must fulfil the following criteria for swift online business loan approval:

  • CIBIL score should be above 700

  • Your business must be profitable for three consequent financial years

  • Your turnover must show an upward trend

  • A CA should audit your balance sheet

Will a business loan affect my credit?

    Business owners have business and personal credit.

    Loans for sole proprietorship and partnership businesses are guaranteed by an individual. So, the loan is reflected in your personal CIBIL report. However, if your company’s structure is LLC, then the business loan affects only the business’ CIBIL score. 

How does a business loan affect taxes?

    Any interest levied on a business loan is exempt from taxation. This is because the interest paid is considered to be a business expense and not revenue. Registering as an MSME can also help you avail of business loan tax benefits on excise and other charges. 

    However, the principal amount is not tax-deductible.

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