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Business Loan offerings and advantages in Jaipur

Easy-to-meet eligibility
For most small to medium businesses, getting an affordable loan can be quite challenging. But not with Tata Capital. With our easy-to-meet eligibility criteria, you can acquire the desired funds in the least possible time. This way, you can grab the various business opportunities that this city has to offer conveniently. Qualify for a loan with ease and expand your marketing potential to establish a profitable business.

Flexibility
Jaipur houses several high-demand industries that need solid financial planning to meet the ever-increasing customer needs. Then, with a business loan in Jaipur from Tata Capital, you can cater to all the financial needs of a growing business effortlessly. Whether you need to manage your everyday costs like wages, rent, and other expenses, invest in additional stock, upgrade business technology, and so on, a business loan from Tata Capital will ease all your financial worries.

  • 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

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Total Amount Payable

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    Special Scheme for Women Entrepreneurs

    The ‘Pink City’ of India boasts of the popular tourism industry and offers ample business opportunities in jewellery, antiques, handicrafts, and more. If you're a woman entrepreneur wishing to establish your business in Jaipur, here are the various government schemes especially for you

  • Pradhan Mantri Rozgar Yojna

    Under the Pradhan Mantri Rozgar Yojna, women entrepreneurs looking to start their business in various industries can avail a loan at subsidised interest rates. You can get a loan of up to Rs. 5 lakhs for industry-based start-ups and up to Rs. 2 lakhs for a services business.

  • Cent Kalyani Scheme

    The Cent Kalyani Scheme provides financial help to women in the form of short-term working capital loans or cash credit facilities. You can apply for a collateral-free loan of up to Rs. 1 crore and help your business grow.

  • Mahila Udyam Nidhi Scheme

    The Mahila Udyam Nidhi Scheme offer affordable finance amounting to Rs. 10 lakhs to women entrepreneurs wanting to set up businesses like a beauty parlour, auto-rickshaws, or more.

    Purpose of Business Loans

    Jaipur has a high number of small and medium businesses in various sectors that need regular funds for various business purposes. With a Tata Capital business loan, you can use the funds for different purposes such as.

  • Expand your existing business

    Expanding your business requires sizeable capital. Whether you want to introduce a new product line or tap into a new market, a business loan can help you cover the expenses of business expansion without affecting your short-term funds.

  • Invest in new office space

    When the business is booming, you might want to invest in additional office space to manage your growing operations. A business loan from Tata Capital offers you the funds you need to finance the cost of a new location, hiring movers, setting up the office, and more.

  • Purchase inventory

    No matter the size of your business, you always need to have enough inventory or raw material at hand to meet the changing market demand. If you find yourself low on funds, a business loan can help you finance your inventory need for smoother operations.

What are Interest Rates for Business Loans in Jaipur?

Simply put, the interest rates on business loans depend on various factors like the nature of business, CIBIL score, business turnover, etc. To qualify for competitive Business Loans interest rates in Jaipur, you must fulfil the eligibility criteria set by the lender.

With Tata Capital, you can enjoy the best interest rates and flexible EMI plans for convenient repayment. This will make your loan much more affordable as the rate of interest directly affects your monthly EMI payments. Availing of the lowest business loan rates in Jaipur equals lower EMI per month so that you can repay the amount comfortably, without affecting the business cash flow.

Get in touch with Tata Capital and apply for a business loan in Jaipur that perfectly suits your business’s financial needs.

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

Use our eligibility calculator to find out your eligibility in no time! The Business Loans eligibility  criteria comprise various factors like business turnover, age, CIBIL score, etc. that you must fulfill to qualify for business finance:

  • CIBIL score of 700 or above

  • Age of the candidate: 25 to 65 years

  • The business turnover must display an upward trend

  • The business must show profits for at least three consecutive years

  • Balance sheet audited by a registered Chartered Accountant

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

  • Balance sheet and Profit and Loss Account

  • Company bank statements

  • Income tax returns

  • KYC documents of the business

  • KYC documents of the business owners

  • Photo ID proof

  • Business proof

  • A detailed business plan

  • Bank statements

How to apply for a Business Loan online in Jaipur?

    1

    Visit our website and click on the ‘Apply Now’ tab. Here, fill in the required details such as personal, financial, and business information in the short digital form. In addition, provide the loan details you wish to apply for.

    2

    Once we determine your business loan eligibility, you need to furnish the required business loan document to move forward with the application process.

    3

    We will verify your business loan application and the submitted documents. If all looks good, we will offer you an e-sanction letter and initiate the loan sanction process.

    4

    Finally, you will get the sanctioned loan amount directly to your bank account.

    Apply Now

Other Ways to Apply for a Business Loan in Jaipur

  • Visit the branch
    Visit one of our extensive networks of physical branches anywhere in the country and we will guide you through the process..

  • Online
    Apply with a simple application process online on our digital platform and enjoy the convenience of affordable loans right from the comfort of your homes.

  • Virtual loan assistant
    Apply for a business loan in Jaipur via our loan processing virtual assistant and unlock a new way of connecting with us!

  • Via phone call
    Get in touch with us instantly and contact us at 1860 267 6060 to get started with your business loan application.

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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 Jaipur

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 Jaipur?

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 Jaipur?

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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