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Business Loan offerings and advantages in Kochi

Structured EMI plans
Setting up or expanding a business in Kochi may require you to get a large loan. But you can make your loan repayments convenient by choosing business loans with flexible EMI plans with Tata Capital.

Attractive interest rates
Want to save money on loan repayments? Get a business loan in Kochi at the lowest interest rates with Tata Capital.

Relaxed eligibility requirements
At Tata Capital, we have minimal eligibility requirements. This means you can easily qualify for a loan if you meet them. Securing business finance has never been this easy! .

Simple documentation
Say goodbye to extensive documentation and long-drawn-out approval processes. Apply for a loan with Tata Capital and get a loan with minimal documentation.

  • 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

Are you an ambitious women entrepreneur striving to achieve financial freedom? With special business loan schemes introduced by the government, you can now run a successful business in Kochi

Kerala Start-up Mission (KSUM)

If you have an established business in Kochi, the Kerala Start-up Mission Scheme offers working capital assistance up to Rs. 15 lakhs to women entrepreneurs at competitive interest rates.

KSIDC Women-Entrepreneurship (WE) Mission

To encourage women's entrepreneurship in the state, the Kerala State Industrial Development Corporation offers financial aid and infrastructural facilities under the WE mission. Women business owners can secure a loan of up to Rs. 25 lakhs or 80% of the project cost for the expansion of their business venture.

Purpose of Business Loans

From affordable infrastructure to low operational costs, Kochi is an excellent place to start your new business. But managing other business expenses can still be a hassle without a stable flow of funds. You can apply for a business loan to meet various business needs, including.

Expand your operations

A booming business can bring exciting expansion opportunities for your business. So, whether you’ve decided to launch a new product, expand your existing office premises, or open a branch in a different location, a business loan from Tata Capital can help you achieve this with instant availability of funds.

Stock up on inventory

For smooth business operations, you need to maintain a steady inventory level so that you can meet the changing market demands with ease. But it is easier said than done. Don’t let a lack of funds come in your way; opt for a business loan to meet your inventory needs and boost your sales with ease.

Manage cash flow

Perhaps the most challenging aspect of running a business is ensuring a regular supply of funds to maintain business cash flow requirements. So when the times get tough, a business loan can help introduce additional funds to your business, thus fulfilling your cash flow needs.

What are Interest Rates for Business Loans in Kochi?

Your business loan interest rate determines the funds you will be spending on paying your loan EMIs. So, if you want to save funds on repayments on a business loan in Kochi, you must opt for a loan offer with a lower interest rate. An added advantage of doing this? You save on the total interest you pay over your original loan amount too.

While many lenders offer affordable business loan interest rates in Kochi if you are looking for the best loan offer to make the maximum savings, turn to Tata Capital. We offer the lowest Business Loans interest rates in Kochi so that you can comfortably pay your EMIs, and divert your funds to taking care of your business expenses instead of paying off the loan.

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

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.

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

A photo identity proof

Business Proof

Income Proof

Bank Statements

KYC Documents

How to apply for a Business Loan online in Kochi?

1

Click on ‘Apply Now’ to fill out the application form online.

2

Enter your personal details in the appropriate fields. Once you do this, we will verify your details and check if you meet our eligibility requirements. We then send you a loan offer based on it.

3

Next, you will need to submit your documents to proceed with the application. Note that we may also contact you at this stage.

4

Once we verify your documents, we sanction the loan.

5

After this, the funds are directly disbursed to your account.

Apply Now

Other Ways to Apply for a Business Loan in Kochi

You can apply for a business loan in Kochi with Tata Capital in the following ways too:

  • Via phone
    Call us on our customer care number at 18602676060 and inquire about a business loan.

  • Virtual assistant
    Send a request for a business loan via our online virtual assistant.

  • Offline
    Visit our Kochi branch and connect with our skilled lending officials to get a business loan in Kochi via the offline application process.

Apply for a business loan with us today!

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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 Kochi

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 Kochi?

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 Kochi?

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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