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Home› Services› Business Loan

Business Loan —
Fast, Flexible & Fair

Get funds in your account within 24 hours. No collateral, minimal paperwork, and interest rates starting at just 19% p.a. Purpose-built for every business need.

From 19% p.a.
Up to ₹15 Lakhs
Disbursed in 24 hrs
No Collateral
Calculate EMI

Plan Your Finances

EMI Calculator

Use our interactive calculator to estimate your monthly EMI instantly.

Calculate Your EMI
Business Loans start from 19% p.a. — drag the sliders to see your EMI
Preferred Loan Amount ₹5,00,000
₹30,000₹15,00,000
Interest Rate (per annum) 19%
19%24%
Loan Tenure (months) 24 mo
6 months60 months
— EMI / Month
— Interest Payable
— Total Repayment
Business Loan
19% Fixed Rate
p.a.

Who Can Apply

Eligibility
Criteria

  • ✓
    Indian citizen between 21 and 60 years of age at time of loan maturity
  • ✓
    Self-employed with minimum 3 years of business continuity and ITR proof
  • ✓
    Minimum monthly income of ₹30,000 for Self-employed
  • ✓
    Credit score of 650 or above (CIBIL / Equifax) preferred
  • ✓
    No active default or write-off in credit history in the last 24 months
  • ↓
    Download our eligibility checklist to prepare before applying
    Download Eligibility PDF
Eligibility
Documents

What You'll Need

Required
Documents

  • 📄
    Identity Proof — Aadhaar Card, PAN Card, Passport or Voter ID
  • 🏠
    Address Proof — Utility bill, Rent agreement or Aadhaar (if address matches)
  • 📊
    Income Proof (Self-Employed) — Last 2 years ITR with computation & P&L statement
  • 🖼️
    Photographs — 2 recent passport-size photographs
  • ↓
    Download complete document checklist — print and prepare before visiting
    Download Document Checklist PDF

Simple Process

How to Apply

Get your Business Loan in 4 simple steps through our branches or by contacting our loan experts.

1

Contact Our Team

Call us, send a WhatsApp message, or visit your nearest branch to discuss your business loan requirements.

2

Share Your Details

Provide basic business and personal information so our team can assess your loan eligibility.

3

Submit Documents

Submit the required documents by email or at your nearest branch. Our team will verify them promptly.

4

Approval & Disbursement

After successful verification and approval, the loan amount is credited directly to your bank account.

Got Questions?

Frequently Asked
Questions

We offer Business loans from ₹30,000 up to ₹15,00,000 depending on your business income, credit score, and repayment capacity. Higher-income applicants may qualify for amounts up to ₹15 Lakhs.
Business Loans start from an interest rate of 19% per annum, based on your business profile and credit score.
We prefer a CIBIL score of 650 or above for standard processing. However, applicants with lower scores may still be considered based on overall financial profile and existing banking relationship with us.
Once your application is approved and documents are verified, the loan amount is credited to your bank account within 24 working hours. In some cases, same-day disbursal is also possible.
No. Business loans from Meghna Saree Emporium Pvt Ltd are completely unsecured — no collateral or guarantor is required. Approval is based entirely on your business income, creditworthiness, and repayment capacity.
Yes, you can prepay or foreclose your loan after a minimum lock-in period. Nominal foreclosure charges may apply as per your loan agreement. Please check the specific terms at the time of application.
Processing fee ranges from 1% to 2% of the loan amount plus applicable taxes. During promotional periods, processing fees may be waived. No hidden charges — all fees are disclosed upfront before signing.
Business Loans are available only to self-employed individuals and business owners with a minimum of 3 years of business continuity. Salaried applicants are not eligible for this product; they may consider our Personal Loan instead.
Missing an EMI may attract a late payment penalty and can negatively impact your CIBIL score. We recommend setting up auto-debit from your account. Contact our support team before missing a payment — we may be able to assist.

Ready to Apply?

Get your Business Loan approved quickly. Our team is here to guide you through every step of the process.

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