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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 Patna

No collateral is needed.
Your business assets and personal assets are not on the line.

High loan amounts.
You can borrow up to Rs. 90 lakhs.

Flexible tenures.
Business loan tenures can range from 12 to 36 months. 

Easy online application process.
No need to visit the branch, or stand in queues.

  • 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

To encourage self-reliance and help women achieve financial freedom, the government has launched various special schemes for women entrepreneurs

Mukhyamantri Mahila Udyami Yojana

With the Mukhyamantri Mahila Udyami Yojana, the state government aims to encourage entrepreneurship among women. Under this scheme, you can avail an interest-free loan of up to Rs. 10 lakhs, out of which you can enjoy a subsidy of Rs. 5 lakhs. What’s more, you can avail a repayment tenure of up to 7 years.

Stree Shakti Package

If you own a start-up in India with at least 51% ownership, the Stree Shakti Package offers you financial assistance to help you scale your business. You can get a collateral-free loan of up to Rs. 5 lakhs at nominal interest rates.

Purpose of Business Loans

Patna boasts of a fast-growing agricultural, consumer goods, and services industry. Thanks to its sustained economic growth, starting a business in Patna can be highly profitable. You can opt for a business loan to meet the following financial requirements:

Manage cash flow

Maintaining enough cash flow for smoother operations can be a challenge for small businesses. If you are unable to meet the business’ liquidity requirements, a business loan can help introduce the much-needed funds to your business.

Invest in real estate

With a business loan from Tata Capital, you can easily expand and renovate your existing office space or invest in real estate without burdening your business finances. Avail a long-term business loan and watch your business grow.

Purchase inventory

A short-term business loan can help you stock up on inventory and meet the changing market demand with ease.

What are Interest Rates for Business Loans in Patna?

Lenders and NBFCs readily provide business financing options to entrepreneurs in Patna. So, before you apply for a business loan in Patna, make sure you research and compare interest rates and other loan terms. Business Loans interest rates in Patna depend on several factors such as your CIBIL score, income, business vintage, company tenure, and annual turnover. A high CIBIL score and a stable income increase the chances of your loan getting approved quickly and bagging lower interest rates. Additionally, if your company has been operational for several years, you can get preferential interest rates for your business loan.

Tata Capital offers you some of the lowest business loan interest rates in Patna, so you can grow your business without worrying about the burden of repayment. 

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

Business loan eligibility comprises basic conditions like CIBIL score, age, business turnover, and more that candidates must fulfil to avail business finance. Here are the Business Loans eligibility criteria for Tata Capital:

  • The applicant’s age should be between 25 to 65 years

  • The CIBIL score must be 700 or more

  • The applicant should own a business at least profitable for three successive financial years

  • The business turnover must display an upward trend

  • The balance sheet be audited by a registered Chartered Accountant (CA)

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

Last six months’ company bank statements

Last two years' Income Tax Returns

Last two years' balance sheet and Profit & Loss accounts

KYC documents of the company

KYC documents of the business owners

A report with detailed information about how the candidate will utilise the Business Loan

Photo identity proof (Aadhar card/ Driving licence/ Voter ID/ Passport)

Bank statements

Business proof

How to calculate EMI for Business Loans Online?

The easiest way to calculate your EMI is through a business loan EMI calculator. The EMI that you will be required to pay towards the repayment of your business loan in Patna consists of both your principal and interest amount. It depends on three factors:

  • Principal loan amount: A high principal amount leads to a higher EMI

  • Rate of Interest: The higher the rate of interest, the higher will be your EMI amount

  • Loan Tenure: The shorter your loan tenure, the higher your EMI values

To assess your business loan EMI in Patna, visit our Business Loans EMI calculator page. Input the principal amount, rate of interest, and your loan tenure. The tool will calculate the EMI you will have to pay each month.

How to apply for a Business Loan online in Patna?


Fill our online application form. The process takes just a few minutes.


Upload your documents


We will verify your application and documents, and give you a call for a personal discussion.


Once we approve your application, the loan is sanctioned.


You will receive your loan amount in your bank account.

Other Ways to Apply for a Business Loan in Patna

You can reach out to us in various ways to apply for a business loan in Patna:

  • Via phone
    Give us a call on 1860 267 6060

  • Virtual assistant
    You can even apply for your business loan with the help of a loan processing virtual assistant.

  • Offline
    Visit any of our pan-India branches