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Bajaj Finance Business Loan with Flexi-loan facility (interest-only EMIs) and no collateral required.

Documents required

  • PAN Card
  • Aadhaar Card
  • GST certificate
  • Latest 2 years ITR
  • Business proof
  • 12 months bank statement

As published by Bajaj Finance. Your branch may ask for more.

Get Bajaj Finance Offers →Soft check · won’t affect your credit score
Interest rate14 – 23% p.a.
Processing fee3.5% (₹80–₹2,00,000)
Max amount₹2K
Max tenure1 yr
Compare with 13 other lenders →

Best for: Small businesses wanting NBFC speed (48-hour disbursal) and Flexi-loan interest-only EMIs.

Estimate your EMI ~30 sec · indicative
Estimated EMI
₹135/mo
Get offers at this amount →
Total cost of this loan ₹200 · interest + processing fee, ₹1,500 over 1 yr at 14% · no prepayment penalty
Eligibility for Business Loan depends on business turnover and trading vintage, not personal income. Start an application for a real answer.
EMI at Bajaj Finance’s 14% p.a.
₹900 · 1 yr
₹81/mo
₹2K · 1 yr
₹180/mo

Eligibility

At Bajaj Finance
Age21 – 65 years
Min salaryNo minimum
Min income (self-emp)₹2,50,000/yr
Min credit score685+
Employmentself employed, professional
Disbursal48-72 hours
Typical for business loan
VintageUsually 1 – 3 years in operation
TurnoverPer lender; GST-registered businesses get better terms
TypeProprietorship, partnership, LLP, or company

Loan terms

Amount₹2K – ₹2K
Tenure1 year
Rate typefloating
PrepaymentNil
Late payment2-3% of EMI + applicable taxes
  • No collateral required
  • Flexible EMI options
  • Flexi loan facility

Fees & charges

Prepayment / foreclosureVaries; some allow part-prepayment free
Late paymentAs per each lender’s schedule

FAQ

Both exist. Unsecured business loans price higher; secured or scheme-backed loans (e.g. CGTMSE up to the scheme limit) can lower the rate or waive collateral. The right choice depends on ticket size and how fast you need funds.

Every row is date-stamped with the day we last checked it, and links to the lender’s published material so you can confirm it yourself. A row we confirmed against the source reads “Verified”; one we could only sight reads “as of”, and is not presented as confirmed. Anything we have not re-checked in 60 days is marked “rate under review” rather than left to look current. We do not claim a fixed re-checking cycle — the date on each row is the honest answer.

No. Viewing rates is not a credit enquiry and has no score impact. A hard enquiry happens only when you formally apply to a lender.

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