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OnePaisa — Smart Finance for India

Business Loan

14 lenders · rates from 7.75% · unsecured, up to ₹25Cr

Check Your Rate →Soft check · won’t affect your credit score

Live rate table

Sortable · date-stamped
14 lenders
Central Bank of India logo
Central Bank of India
Bank
7.75 – 8.45% 25 Aug 2026
Varies fee · ₹25Cr max
Get Offer
IDFC FIRST Bank logo
IDFC FIRST Bank
Bank
3.5% fee · ₹1Cr max
Get Offer
HDFC Bank logo
HDFC Bank
Bank
2% fee · ₹50L max
Get Offer
Axis Bank logo
Axis Bank
Bank
2% fee · ₹50L max
Get Offer
Lendingkart logo
Lendingkart
NBFC
3% fee · ₹2Cr max
Get Offer
Tata Capital logo
Tata Capital
NBFC
2.5% fee · ₹75L max
Get Offer
Fullerton India logo
Fullerton India
NBFC
Varies fee · ₹1Cr max
Get Offer
Manappuram Finance logo
Manappuram Finance
NBFC
Varies fee · ₹50L max
Get Offer
Kotak Mahindra Bank logo
Kotak Mahindra Bank
Bank
Varies fee · ₹5Cr max
Get Offer
Bajaj Finance logo
Bajaj Finance
NBFC
up to 3.5% fee · ₹2K max
Get Offer
NeoGrowth logo
NeoGrowth
NBFC
3% fee · ₹2Cr max
Get Offer
Piramal Finance logo
Piramal Finance
NBFC
5% fee · ₹30L max
Get Offer
Hero FinCorp logo
Hero FinCorp
NBFC
Varies fee · ₹50L max
Get Offer
ICICI Bank logo
ICICI Bank
Bank
2% fee · ₹3Cr max
Get Offer
Estimate your EMI ~30 sec · indicative
Estimated EMI
₹24,296/mo
Get offers at this amount →
Eligibility for Business Loan depends on business turnover and trading vintage, not personal income. Start an application for a real answer.
EMI examples · at 7.75% p.a.
₹6L · 36 mo
₹18,733/mo
₹10L · 48 mo
₹24,296/mo
₹16L · 60 mo
₹32,251/mo

Eligibility

VintageUsually 1 – 3 years in operation
TurnoverPer lender; GST-registered businesses get better terms
Credit scoreBusiness + promoter credit both considered
TypeProprietorship, partnership, LLP, or company

Documents

  • PAN and Aadhaar (promoter + entity)
  • GST returns / ITR
  • 6 – 12 month bank statement
  • Business proof (registration, licences)

Fees & charges

Processing feePer each lender’s schedule (fintech NBFCs price on data)
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.

Every rate is date-stamped and linked to the lender’s published material · RBI-registered lenders only
Best rate today7.75% · Central Bank of India
Check your rate