Get the Tata Capital App to apply for Loans & manage your account. Download Now


Equipment Finance

Avail Digital Equipment Loans
up to Rs. 1 Crore

  • Attractive ROIs
  • Customizable Loan tenure

Equipment Leasing

Avail Leasing solutions
for all asset classes

  • Up to 100% financing
  • No additional collateral required

Business Loan offerings and advantages in Kolkata?

Lucrative Business Opportunities
With enough finances available at your disposal, you can take advantage of the many business and growth prospects that Kolkata has to offer. From manufacturing to export and import, no matter what your business is, you can open your world to national and global business opportunities and thrive in the highly competitive market with the right kind of business loan in Kolkata.

Quick availability of funds
Since Kolkata is the primary business and financial hub of Eastern India, there is an increasing need for affordable loans to facilitate the growth of several small and medium businesses. This has increased the amount of funds available at your disposal. Tata Capital ensures swift loan processing and instant loan disbursal so that you receive your funds in no time!

  • Loan Amount

    ₹ 0.40 lakh to ₹ 90 lakhs

  • Loan Tenure

    12 to 60 months

  • Self-Employed Non-Professional Interest rate starting @


  • Self-Employed Doctors Interest rate starting

    @ 12.00%-15.00%

  • Self-Employed Professional Other than Doctors Interest rate starting

    @ 13.00%-17.50%

Special Scheme for Women Entrepreneurs

The central and state government of India offers several excellent business loan schemes for women entrepreneurs to help them achieve their dream of owning a business

Bhartiya Mahila Bank Business Loan

Under the Bhartiya Mahila Bank business loan, women entrepreneurs in the manufacturing sector can opt for a loan of up to Rs. 20 crores to fulfil their working capital or business expansion needs.

Cent Kalyani Scheme

Women looking to start their own business venture or expand their current operations can seek financial assistance under the Cent Kalyani scheme. With competitive interest rates, you can avail a short-term loan of up to Rs. 1 crore.

Mudra Loan for women

Mudra Yojna is an excellent loan scheme under the Pradhan Mantri Mudra Yojna, offering financial assistance to women entrepreneurs across India. Whether you want to start your new business or expand your existing one, you can avail a loan of up to Rs. 10 lakhs under this scheme.

Purpose of Business Loans

Looking to open a business in one of the largest metropolitans in India? While Kolkata offers exciting business opportunities, running an enterprise requires regular availability of funds for smoother operations. A business loan can help you with the following.

Start your new venture

With a flourishing retail industry in food, jewellery, leather, and textile, Kolkata is definitely the best place to start your new business. Whatever your big business idea is, turn it into reality with an affordable business loan from Tata Capital.

Update business equipment

Running your business at full production capacity heavily relies on the availability of the latest machinery and equipment. But instantly upgrading the machinery might not always be possible as it is a costly affair. Get rid of any obsolete business equipment and boost your production with a business loan from Tata Capital.


What are Interest Rates for Business Loans in Kolkata?

Being a major commercial centre, you can easily avail a business loan in Kolkata at competitive interest rates. This is especially true when you apply for business finance with Tata Capital; we offer you flexible terms and best interest rates so that you can watch your business grow.

Your Business Loans interest rates in Kolkata are decided based on your loan eligibility. So, it becomes imperative to understand the loan eligibility criteria before you apply for a loan. At Tata Capital, you can fetch the lowest business loan rates in Kolkata and meet all your unique business obligations hassle-free.

What’s more? Our competitive interest rates will make your EMI payments much more affordable as a lower rate of interest equals lower EMI payments over a tenure. This way, you can repay the loan comfortably in line with your other business expenses without any worries.

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

It is crucial to determine the Business Loans eligibility  criteria set by the lender before you apply for a loan. This depends on various factors, including age, income, business performance, CIBIL score, etc

  • Applicant’s age: 25 to 65 years
  • The business should be profitable for at least three consecutive years
  • A CIBIL score of 700 or above .
  • An upward trend in the business turnover
  • The balance sheet must be audited by a registered CA

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

Company bank statements (last six months)

Income tax returns (last two years)

KYC documents of the company

Balance sheet and Profit and Loss Account (last six months)

A detailed business plan

KYC documents of the owner

Business proof

ID proof

Bank statements

How to calculate EMI for Business Loans Online?

EMI stands for Equated Monthly Instalments, which is the fixed payment you have to make against your loan to fully repay it within the fixed tenure. Here, calculating your EMI before applying for a business loan in Kolkata is a wise decision. And you can do it easily using an online EMI calculator tool which is available on our website for free.

Your EMI payments depend upon the principal amount, the rate of interest, and the loan repayment tenure. To get an estimate, you need to enter the tentative principal amount you wish to borrow, your preferred loan tenure, and the potential interest rate in the online Business Loans EMI calculator.  It will show you the tentative EMI amount you'll have to pay. You can adjust the amounts and decide on a principal amount and loan tenure you're comfortable with.

How to apply for a Business Loan online in Kolkata?


Here, you can begin your application process by clicking on the ‘Apply Now’ tab.


Access the online application form and input your personal, financial, and occupational details. Use our online eligibility calculator to check your eligibility for the loan.


We will provide you with a loan offer if you fit the eligibility criteria. Here, you need to submit a few requested documents for verification.


We will verify your documents and the loan application. Once verified, we will carry out the loan sanction process.


You will then receive your desired funds directly in your bank account.

Other Ways to Apply for a Business Loan in Kolkata

Get in touch with us and apply for business loan in Kolkata through our offline process in several ways-

  • Via phone
    Reaching us is now easier than ever. Just give us a call on 1860 267 6060, and our executives will walk you through the application process.

  • Virtual assistant
    You can even apply for an affordable business loan with the support of our virtual assistance.

  • Online
    Apply via our simple online application process from the comfort of your home. Just visit our website and fill in the digital form to get started.

  • Visit our branch
    Another convenient way to apply for a loan is to visit any of our various country-wide branches, and we will be happy to guide you through the entire process.