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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 @
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%
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
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.
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.
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
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.
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.
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 –
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.
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