What are the essential documents required for a business loan application?

To apply for a business loan with Tata Capital, you’ll need to submit documents in a few key categories: KYC (Identity & Address Proof): This includes your PAN card or Form 60, plus ID like a Voter ID, Driving License, or Passport, for both you and your business. Business proof: Documents like your Business Registration Certificate, GST details, Trade License, Partnership Deed, or Sole Proprietorship Declaration. Financials: ITRs for the last two years, audited accounts, P&L statements, balance sheets, and 6 months of bank or GST statements.

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Documents Required for Business Loan

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Documents Required for a Business Loan

You can avail of a Tata Capital business loan by submitting only a handful of documents. You can submit these business loan documents directly to your nearest Tata Capital branch or upload them to our website. Below is our list of documents needed for a business loan:

KYC Documents

Under the KYC or Know Your Customer Documents, you’re required to submit a photo identity proof and an address proof of yours. These include your PAN Card or Form 60 (wherever applicable), Voter ID Card, Driving License, or Passport.

Business Proof

You’re also required to submit proof of your business ownership. It can be your Business Registration Certificate, Trade License, Establishment, GST Registration Certificate, or a certified copy of the Partnership Deed Agreement or Sole Proprietorship Declaration.

Income Proof

You can submit your last two years’ Income Tax Returns (ITRs) and Computation of Income, last two years’ Audited Financial Statements with Tax Audit Report, profit-loss statements of the last two years, or balance sheet (duly audited by a Chartered Accountant)

Bank Statements

You’re also required to submit your current account bank statements and GST statements for the last six months.

Please note that this business loan eligibility document list is indicative. The exact documents required for a business loan may vary from case to case based on our assessment program and lending criteria for business loans. However, the KYC documents and six-month bank statements are common business loan documents required in each case.

How to upload business loan documents?

With Tata Capital, you can apply for a business loan by fulfilling simple eligibility criteria and submitting a few essential documents. You can submit your business loan documents in any of the following ways:

Get Doorstep Services

At Tata Capital, we offer doorstep services for the convenience of our customers. You can simply contact our customer care number and ask for the doorstep pickup of your business loan documents.

Request a call back

Visit Our Branch

You can visit your nearest Tata Capital branch along with the documents required for a new business loan. Our executives there will scan your documents and guide you through the entire process.

Locate a Branch

Online

You can upload your business loan documents online by visiting our website. You can start by applying for a business loan online and then uploading the required documents on our portal.

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Why do you need to submit documents for a business loan?

It is necessary to submit documents for a business loan for the following reasons:

Lenders require business loan documents to verify the applicant’s authenticity and assess business loan eligibility.
Submission of all required documents is crucial as missing documents can lead to business loan rejection.
Once documents have been submitted, the lender can begin the verification process and sanction the loan.

Why Should You Apply for a Business Loan at Tata Capital?

Choosing an appropriate business loan partner is a crucial decision for any business owner. By taking time to understand your precise financial requirements and comparing the costs and features, you can zero in on a business loan that’s perfectly suited to your needs. Here are a few reasons why you should apply for a business loan with Tata Capital:

Highly Competitive Interest Rates

At Tata Capital, we understand that business loans are meant to aid business owners and are not supposed to become a burden to them. Keeping this in mind, we provide business funding to our customers at highly competitive interest rates, starting from just 13% per annum. This ensures that your business loan EMIs remain affordable, and you can focus on taking your business to new heights. Furthermore, you can qualify for the lowest business loan interest rate based on your credit score, annual turnover, business experience, and other lending criteria for business loans.

Customized Loan Amount

At Tata Capital, we allow you to choose the loan amount as per the precise financial requirements of your business. You can apply for a business loan of as low as Rs. 1 lakh and as high as Rs. 90 lakh. This ensures that you can fulfill all your business-related financial requirements, such as hiring a trained workforce, acquiring new office space, renovating your existing workplace, buying inventory, and much more. Moreover, if the acquired business loan amount seems insufficient, you can even avail of a top-up on your business loan to get additional funding.

Flexible Loan Tenures with Multiple EMI Options

Flexible loan tenures and multiple EMI options make borrowing easier and more comfortable for customers. Tata Capital allows you to choose a repayment period that suits your income and financial goals. You can pick a short-term tenure for quicker closure or a long-term tenure for lower monthly payments. With multiple EMI options, including fixed EMIs and structured EMIs, you can tailor your repayment to suit your cash flow. This flexibility helps you manage expenses better. It ensures that your loan fits your lifestyle instead of disrupting it.

Minimum Documentation

With Tata Capital, you can get approval for a business loan by submitting only a handful of documents. As mentioned, our business loan documents include your KYC documents, business proof, income proof, and bank statements. We will ensure that you won’t have to run from pillar to post to get your business funding. You can simply apply for a business funding online from the comfort of your home or office and upload the documents required for a business loan on our website. We can also arrange for the doorstep pickup of the documents for a hassle-free borrowing experience.

Get Collateral-free Funding

With Tata Capital, you can qualify for a business loan even if you do not want to put your personal or business assets on the line. We provide collateral-free financing to ensure that monetary issues never become a roadblock in your business expansion plans. But if you want to pledge something as collateral to secure the lowest business loan interest rate, you are most welcome. Read our business loan FAQs to know the list of assets accepted as collateral for a business loan.

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What our customers say about us

Whole process was done very smoothly. Team was very supportive, polite and knowledgeable

ADENIUM PHARMACEUTICALS

Business Loan | 22 Oct, 2025

I'm really happy with all the efforts you guys made to sort out my problems. Thank you

LIMNESH V V N

Business Loan | 16 Oct, 2025

The Tata Capital team guided me very well. All my questions were answered promptly and politely. I am very satisfied with their response and quick action.

SURAJ SANJAY MANE

Business Loan | 12 Sep, 2025

Thank you from the bottom of my heart for the help from Tata Capital. Thank you for your very good service.

SHIV KUMAR .

Business Loan | 26 Aug, 2025

Tata Capital has given me good service for my urgency and helped me. Thank you.

J M NARASIMHAMURTHY

Business Loan | 20 Aug, 2025

Thank you so much for your awesome support. I was in an emergency situation, so I couldn’t attend the calls, but you addressed my problem via mail.

BABEETHA T

Business Loan | 08 Aug, 2025

Nice communication, no delay. Happy to apply for the loan.

ARIVANNAL S

Business Loan | 24 Jul, 2025

Overall satisfied with Tata Capital services. Quick resolution and courteous customer support.

ANWARULLAH NOORULLAH KHAN

Business Loan | 16 Jul, 2025

I am happy to refer Tata always. People will be satisfied and benefit. Always GREAT in all ways, helping poor people.

D KARUNANITHI

Business Loan | 03 Jul, 2025

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FAQs on documents required for a business loan

To apply for a business loan with Tata Capital, you’ll need to submit documents in a few key categories:

KYC (Identity & Address Proof): This includes your PAN card or Form 60, plus ID like a Voter ID, Driving License, or Passport, for both you and your business.
Business proof: Documents like your Business Registration Certificate, GST details, Trade License, Partnership Deed, or Sole Proprietorship Declaration.
Financials: ITRs for the last two years, audited accounts, P&L statements, balance sheets, and 6 months of bank or GST statements.

Yes, Tata Capital lets you upload scanned documents when you apply online, which makes things easier at the start. You’ll need digital copies of your ID, financials, and business registration. Later on, you may be required to show physical copies or originals to double-check everything. It’s a basic step to confirm your details are legit. As long as you’ve got your paperwork in place, the process moves along without too much back and forth.

Yes, you’ll need to share your financial statements when applying for a business loan. Tata Capital uses these to get a clear picture of how your business is doing and whether you’ll be able to repay the loan. This usually includes your Income Tax Returns, audited balance sheets, profit and loss statements, and recent bank statements. These documents show how much you earn, spend, and save. Submitting everything properly can make the approval process quicker and improve your chances of a better loan offer.

Yes, to qualify for a business loan from Tata Capital, your business should show consistent revenue and profitability. Ideally, your business should have been profitable for the last two years, with a clear upward trend in turnover, showing steady growth. Lenders consider this as a sign that your business can manage repayments comfortably. Demonstrating strong and consistent financial performance can help you get your loan approved faster and with terms that suit your business better.

To get a business loan from Tata Capital, you generally need a credit score of 675 or above. A higher credit score shows that you are financially responsible and can repay loans on time. Having a good score can make your loan approval faster and may help you get lower interest rates, making it easier and cheaper to borrow for your business.

Yes, Tata Capital does offer business loans to start-ups, especially small and medium-sized ones. You’ll need a strong business plan, proof that the business is yours, a credit score of 675 or more, and at least two years of operations. If you’re just starting out and don’t meet these requirements yet, you can also look into funding through government schemes like Mudra or Stand-Up India, or explore loan options from other lenders who support early-stage businesses.

Tata Capital offers business loans to all kinds of businesses and self-employed individuals. This includes sole proprietors, partnership firms, private limited companies, and public limited companies. Both service-led and product-led businesses can apply, whether you’re a manufacturer, trader, retailer, run an IT or healthcare company, or are a professional like a doctor or a CA. What matters most is how financially stable your business is. If your fundamentals are strong, getting funds for daily operations or future growth becomes much easier.

No, you don’t need to put up any collateral to get a business loan from Tata Capital. We offer unsecured loans up to around Rs. 90 lakhs, which means you can access funds without tying up your assets. How much you get depends on factors such as your financials, credit history, and how comfortably you can repay. It’s a solid option for small businesses or professionals who need quick funds without the hassle of heavy paperwork.

Yes, Tata Capital business loans are highly versatile and can be used for a variety of purposes. You can use the funds to expand your existing business, purchase inventory, upgrade machinery or equipment, manage working capital needs, or even consolidate existing debts. This flexibility allows businesses to invest in growth, improve operations, and maintain smooth cash flow, making Tata Capital business loans a practical solution for both expansion and ongoing financial requirements.

The primary repayment method for a Tata Capital business loan is through EMIs (Equated Monthly Installments), which include both principal and interest. To suit varying business cash flows, Tata Capital offers flexible EMI options such as Fixed EMI, where the monthly amount remains constant throughout the loan tenure, and Structured EMI, which allows smaller EMIs initially that gradually increase as your business revenue grows. Repayments can be made conveniently through multiple modes, including NACH/ECS, direct debit from your bank account, or online transfers. These options ensure timely repayment while aligning with your business’s cash flow and operational needs.

Once you submit your application and all required documents to Tata Capital, the processing time typically ranges from 24 to 72 hours. This duration allows for the verification of your eligibility, credit score, and financial documents. Ensuring that all information is accurate and complete can help expedite this process.

After loan approval, Tata Capital aims to disburse the funds to your bank account within a few days. The exact timeline may vary based on factors such as loan amount, documentation completeness, and internal processing times.

Pre-payment or foreclosure of a Tata Capital business loan may attract charges depending on the loan type and tenure. While some banks or lenders may offer penalty-free pre-payment on specific loans, such as floating rate loans or certain individual products, Tata Capital generally applies a nominal fee for early repayment.

It is important to review the detailed business loan rates & charges section for the exact pre-payment or foreclosure policy applicable to your business loan. Knowing this in advance helps you plan your repayments better and avoid any surprise costs when you decide to pay off your loan early.

To expedite business loan approval with proper documentation, make sure all your documents are complete, clear, and up to date. This includes KYC papers, bank statements, financial records, and business proof. Moreover, try to have a healthy credit score and organize your documents in one place to avoid delays. If the lender shares any questions, make sure you respond promptly, as it helps with a faster and smoother approval process.

Tata Capital evaluates factors like your business’s age, annual turnover, credit score, financial stability, cash flow, and repayment capacity. They also assess the accuracy of documents, existing liabilities, and overall business performance to determine eligibility and ensure responsible lending. The chances of your application getting approved improve with proper and accurate documentation, so keep the documents ready and up to date.

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