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Business Loan offerings and advantages in Pune

Structured EMI plans
Tata Capital offers customizable EMI plans for business owners who want complete control over their finances. This makes loan repayments more comfortable.

Attractive interest rates
At Tata Capital we offer some of the most attractive interest rates in Pune’s lending market. This helps you save money and makes EMI repayments easier.

Relaxed eligibility requirements
Getting a business loan in Pune isn’t difficult with Tata Capital. Most borrowers can qualify for our business loans easily, given our relaxed eligibility requirements.

Simple documentation
With Tata Capital, loan approvals are quick due to the simple documentation and verification processes.. Hence, your funds are disbursed quickly.

  • 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

    With an increasing number of women donning the role of entrepreneurs, instant availability of funds becomes necessary. That is why the government introduces several special schemes to help women start their businesses

  • Mudra Yojna Scheme

    Starting a business is now easy with financial assistance under the Mudra Yojna Scheme. Women seeking financial support to open a beauty parlour, stitching shop, or tuition centre can get a loan amount ranging between Rs. 50,000 to Rs. 10 lakhs to meet various business needs.

  • Stand-Up India

    If you're a woman entrepreneur in the manufacturing, trading or services sector, you can avail affordable credit under the Stand Up India scheme. Here, you can secure a loan of up to Rs. 1 crore at nominal interest rates and a repayment tenure of 7 years.

    Purpose of Business Loans

  • Start a new business

    Pune is now growing as a start-up hub for ambitious entrepreneurs. Being a major IT hub, Pune offers excellent opportunities to run a profitable business. Now turn your big business idea into reality with reliable financial backing with Tata Capital business loans.

  • Scale your operations

    Whether you want to grow your production capacity, open a new unit, launch a new product, or enter a new geographical location, a business loan can help you achieve all this and grow your business with ease.

  • Arrange working capital

    In a big city like Pune, where business expenses can be high, you need a reliable source of funds to pay salaries, utility bills, stock up on inventory, and more. So when you need funds for these activities, a business loan from Tata Capital can help.

What are Interest Rates for Business Loans in Pune?

If you haven’t paid attention to Business Loans interest rates in Pune, you should before you get a business loan here. Doing this will help you choose a suitable lender and save you the money spent on paying our loan EMIs. The reason? Well, the interest contributes to a large chunk of the EMI paid every month, and if the interest rates are high, you spend much more on your EMIs. So, when you’re getting a business loan in Pune, it is always better to choose a lender offering a lower interest rate.

Looking for a lender offering the lowest business loan interest rates in Pune? Then, your search ends with Tata Capital. Apply for a loan with us and save funds spent on your loan interest and pay your EMIs comfortably.

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

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 Pune?

  • A photo identity proof

  • Business Proof

  • Income Proof

  • Bank Statements

  • KYC Documents

How to apply for a Business Loan online in Pune?

    1

    Find the ‘Apply Now’ button on our official website and double click on it to go to the online business loan application form.

    2

    Type in your details carefully and submit them. We then verify your details to confirm that you meet the basic eligibility requirements.

    3

    Once you meet the eligibility criteria, we send you a loan offer based on it. When you agree, you will be directed to submit the mandatory documents for verification. Besides, you might also receive a call from us at this stage.

    4

    As soon as we receive your documents, we verify them, and if successful, we sanction the loan.

    5

    Finally, we disburse your funds straight to your account.

    Apply Now

Other Ways to Apply for a Business Loan in Pune

You can apply for business loan in Pune with Tata Capital in the following ways too.

  • On call
    Request a call back by calling our customer care number at 18602676060.

  • Virtual assistant
    Contact our virtual assistant on our site and request guidance to fill the online business loan application form.

  • Offline
    Personally visit our Pune branch to complete 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 Pune

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 Pune?

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 Pune?

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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