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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 @

    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

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    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 apply for a Business Loan online in Kolkata?

    1

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

    2

    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.

    3

    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.

    4

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

    5

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

    Apply Now

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.

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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 Kolkata

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 ₹ 9,000,000
  • 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 Kolkata?

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 Kolkata?

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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