We have pre approved offers for you
Fill in these details to know more
Download the Moneyfy App
Be Investment ready in minutes
Download Now
Take a Tata Capital Home Loan
Lowest interest rates starting at 8.95%*
Apply Now
Apply for a Tata Card
Get benefits worth Rs. 18,000*
Apply Now
PERSONAL LOAN INTEREST RATES STARTING AT 10.99%
PERSONAL LOAN INTEREST RATES STARTING AT 13.50%
MARRIAGE LOAN FUNDING UP TO RS. 35 LAKHS
LOANS FOR MEDICAL NEEDS ON AN EMERGENCY BASIS
AVAIL TAX BENEFITS ON EDUCATION LOANS FOR HIGHER STUDIES
PERSONAL LOANS FOR ALL YOUR TRAVEL NEEDS
HOME RENOVATIONS LOANS FOR YOUR HOUSING NEEDS
HOME LOANS WITH INSTANT APPROVALS STARTING AT 8.95%
CUSTOMISED SOLUTIONS FOR HOME EXTENSION NEEDS WITH TENURE UP TO 30 YEARS
UNDER THE PRADHAN MANTRI AWAS YOJNA SCHEME, AVAIL INTEREST RATE SUBVENTION STARTING AT 4%
PERSONAL LOAN INTEREST RATES STARTING AT 10.99%
PERSONAL LOAN INTEREST RATES STARTING AT 13.50%
MARRIAGE LOAN FUNDING UP TO RS. 35 LAKHS
LOANS FOR MEDICAL NEEDS ON AN EMERGENCY BASIS
AVAIL TAX BENEFITS ON EDUCATION LOANS FOR HIGHER STUDIES
PERSONAL LOANS FOR ALL YOUR TRAVEL NEEDS
HOME RENOVATIONS LOANS FOR YOUR HOUSING NEEDS
HOME LOANS WITH INSTANT APPROVALS STARTING AT 8.95%
CUSTOMISED SOLUTIONS FOR HOME EXTENSION NEEDS WITH TENURE UP TO 30 YEARS
UNDER THE PRADHAN MANTRI AWAS YOJNA SCHEME, AVAIL INTEREST RATE SUBVENTION STARTING AT 4%
ONE STOP SHOP FOR BUSINESS FINANCING UP TO RS. 50 CRORES
LOAN AGAINST PROPERTY UP TO RS. 3 CRORES WITH FLEXIBLE LOAN TENURES
UNLOCK THE POWER OF YOUR INVESTMENTS WITH LOAN AGAINST SECURITIES UP TO RS. 20 CRORES
UNLOCK THE POWER OF YOUR INVESTMENTS WITH LOAN AGAINST SECURITIES UP TO RS. 20 CRORES
Mutual Fund
As one of the leading Indian Investment Managers, Tata Asset Management Limited understands that managing wealth is as important as the creation of it. View their range of investment solutions for financial planning & wealth creation.
Know More
AVAIL 0% INTEREST RATE AND ON-SPOT APPROVALS WITH YOUR NEXT ELECTRONIC PURCHASE
STAY UPDATED!
We're constantly crafting offers and deals for you. Get them delivered straight to your device through website notifications.
All You Have To Do Is Click On "Allow".
CHECKING FOR OFFERS AGAINST
Special Schemes for Women Entrepreneurs
Be a part of the start-up boom in India and start your own business venture with various business loan schemes for women. Here’s a glimpse into the various schemes offered by the government.
1. Stree Shakti Yojna
The Stree Shakti Yojna offers financial aid to women entrepreneurs enrolled under the Entrepreneurship Development Program (EDP). Any woman with majority ownership in a business can avail an interest subsidy of 0.05% on a loan amount of more than Rs. 2 lakhs.
2. KBL Mahila Udyog Loan from Karnataka Bank
For women entrepreneurs in Bangalore looking to meet their capital requirement, Karnataka Bank offers an affordable loan of up to Rs. 10 lakhs for an extended repayment tenure of 120 months. Any woman with a minimum of 51% shareholding in a company can avail this loan.
Purpose of Business Loan
Known for its bustling economy, Bangalore offers an excellent networking culture for many new start-ups and small businesses. That is why a reliable source of funding like a business loan can help give wings to your business ideas.
1. Introduce working capital
Running a successful business in Bangalore demands a continuous supply of enough working capital. So when you need ample funds for everyday business needs like salaries, inventory, overhead costs, and more, a business loan from Tata Capital can help you.
2. Purchase assets
As a business owner, you will need to purchase various assets like the latest machinery, software, new office premises, and more to keep your business up-to-date. A business loan allows you to finance such asset acquisition and boosts your business growth.
3. Fund a marketing campaign
Launching a new marketing campaign will include various expenses like hiring professionals and executing promotional strategies, and a lack of funds can hamper your efforts. A business loan from Tata Capital will provide you with ample funds to finance all your business needs.
Pay off your business loan on your terms with Tata Capital. Select a loan repayment plan that matches your spending capacity today!
Save money in Bangalore by opting for a business loan with Tata Capital. Get the most affordable interest rates with us, and enjoy hassle-free loan repayments, thanks to lower EMIs.
Enjoy collateral-free business loans that can cover all your immediate business requirements with us at Tata Capital.
Want to make getting a business loan in Bangalore easier? At Tata Capital, we do this by making document verification seamless for you. Just submit a few mandatory documents, and leave the processing to us. Thanks to limited documentation, loan approvals are quicker too.
Structured EMI plans
Pay off your business loan on your terms with Tata Capital. Select a loan repayment plan that matches your spending capacity today!
Attractive interest rates
Save money in Bangalore by opting for a business loan with Tata Capital. Get the most affordable interest rates with us, and enjoy hassle-free loan repayments, thanks to lower EMIs.
Collateral-free loans
Enjoy collateral-free business loans that can cover all your immediate business requirements with us at Tata Capital.
Simple documentation
Want to make getting a business loan in Bangalore easier? At Tata Capital, we do this by making document verification seamless for you. Just submit a few mandatory documents, and leave the processing to us. Thanks to limited documentation, loan approvals are quicker too.
Loan interest rates play a major role in determining the EMI amount you pay to your lender. Usually, the higher the interest rate, the higher your loan EMI, and the more money you spend on paying it off. So, if you want to save your earnings, given the high cost of living in Bangalore, you should choose a lender offering a business loan in Bangalore at a low rate.
At Tata Capital, we offer the lowest Business Loans rates in Bangalore. As a result, when you get a loan with us, you save the money spent on interest and benefit from easier loan repayments.
So why wait? Get a business loan with us and enjoy affordable business loan interest rates in Bangalore!
The Business Loans eligibility criteria at Tata Capital are as follows.
You should be between 25-65 years old.
You should have a profitable business for over three consecutive years.
Your business should have a positive turnover.
Your balance sheet should be audited by a Chartered Accountant.
At Tata Capital, we ask for minimal documentation. These include-
A photo identity proof
Business proof
Income Proof
Bank Statements
KYC documents
When you get a business loan, you need to pay it off as regular equated monthly installments or EMIs. This monthly amount is determined by your loan amount, the loan tenure, and the lender’s interest rate.
Knowing the EMIs for your business loan in Bangalore allows you to allocate finances towards your EMI repayments beforehand. This makes the loan payments more affordable for you.
Looking to calculate your business loan EMI in Bangalore? Let our online Business Loans EMI calculator do the job for you. Simply click on the link to visit the calculator webpage and enter your loan details like loan amount, tenure, and interest rate as prompted. When you hit submit, the calculator automatically displays your monthly EMIs on the screen. It’s that simple!
Click on the Apply now button on our website. This will take you to the online application form.
Fill in your personal details as mentioned and click the submit button. Once you do this, we will verify the details to ensure you meet our eligibility requirements.
Upon successful verification, we will extend a loan offer depending on your eligibility. Then, you will need to upload the documents for verification. We might also call you during this process.
Once we verify the paperwork, we sanction the loan.
Lastly, we disburse your funds straight to your account.
You can apply for business loan in Bangalore with Tata Capital in the following ways too.
Via phone call
Call our customer care number at 18602676060, and request a callback.
Virtual assistant
Put a request online with our virtual assistant any time.
Offline
Visit our Bangalore branch to complete the offline application process and connect with our seasoned lending experts.
Apply for a business loan with us today!
A business loan is an unsecured form of credit designed to fund the various capital needs of a business. Using different types of business loans, companies can scale new heights with increased manpower, advanced equipment, and faster turnaround time.
Here’s why our Business Loan is the perfect match for you:
You can repay through Post Dated Cheques, Electronic Clearance Service (ECS) or Direct Debit.
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
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.
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.
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.
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.
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.
You can get a business loan from the lending institution of your choice in a number of ways, depending upon your convenience and the options offered by your lender.
Visit a nearby branch
Apply online via the lender’s website
Talk on call with the lender’s relationship managers
Send an email to your lender’s customer support mail address
Use the lender’s 24x7 virtual assistant feature
To avail a business loan with Tata Capital, simply apply for a business loan online or call on 1860-267-6060. You can also mail us at contactus@tatacapital.com or visit any of our branches.
Yes, just as your CIBIL score has a say in your business loan approval, your repayment of the business loan will affect your future credit score. Timely payment of loan EMIs will pose you as a low-risk borrower in the eyes of future lenders and hence, will enhance your CIBIL score.
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.
Yes, you can get a business loan without any collateral or security.
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
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.
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.
Incorrect OTP
Track my application
Apply on whatsapp
