MSME Loans
Government-backed loans for micro, small, and medium enterprises under Mudra and CGTMSE schemes.
Key Features
Loan Amount
₹50,000 – ₹5 Crore
Interest Rate
8% – 16% p.a.
Tenure
Up to 5 years
Processing Fee
0.5% – 2%
Collateral
Collateral-free under CGTMSE up to ₹2 Cr
Approval Time
5 – 10 business days
What You Can Use MSME Loans For
Common use cases and how businesses leverage this financing.
Mudra Loans
Shishu (up to ₹50K), Kishore (₹50K–₹5L), Tarun (₹5L–₹10L) for micro enterprises.
CGTMSE Coverage
Collateral-free loans with Credit Guarantee Fund Trust backing.
Stand-Up India
Loans from ₹10L to ₹1Cr for SC/ST and women entrepreneurs.
PMEGP Scheme
Prime Minister Employment Generation Programme for new enterprises.
Eligibility Criteria
- Valid Udyam Registration (formerly Udyog Aadhaar)
- Business operational for at least 1 year
- GST registered (for loans above ₹10 Lakh)
- No existing defaults or NPA status
- CIBIL score of 600+
Documents Required
- Udyam Registration Certificate
- GST returns (last 6–12 months)
- ITR (last 2 years)
- Bank statements (last 6 months)
- KYC documents of promoters
Available Business Loan Products
Compare rates from our lending partners.
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