Starting a business with an investment under Rs. 10 lakhs is an ideal approach for aspiring entrepreneurs who want to balance financial feasibility with high profit potential. With careful planning, strategic execution, and proper funding, such businesses can achieve significant growth while keeping financial risk manageable. By exploring low to medium-investment opportunities, individuals can test business concepts, refine operational processes, and build a sustainable foundation for long-term success. Before applying for funding, you can check your business loan eligibility to assess your readiness and save time.
Why start a business with an investment under Rs. 10 lakhs?
Starting a business with a limited investment offers multiple advantages for both new and experienced entrepreneurs:
- Low financial risk: Investing a manageable amount under Rs. 10 lakhs reduces exposure to financial loss, allowing entrepreneurs to experiment and innovate with confidence.
- Quicker breakeven: Small and medium-scale businesses often recover their initial investment faster, sometimes within months, depending on demand, pricing, and operational efficiency.
- Operational flexibility: Businesses under Rs. 10 lakhs can often be started part-time or from home, allowing founders to continue other sources of income while gradually scaling their operations.
- Encourages creativity: Budget limitations drive innovative approaches to marketing, operations, and customer engagement, often leading to unique products or services.
- Scalable growth: With careful reinvestment and strategic planning, low-investment ventures can gradually expand into larger operations.
To explore a variety of opportunities, check out some of the best business ideas that can be initiated with a budget under Rs. 10 lakhs.
Top 25 best business ideas in India under Rs. 10 lakhs
These 25 business ideas are curated based on their profitability, scalability, and suitability for a moderate investment budget. Before starting, it is essential to draft a clear business plan to outline financial projections, marketing strategies, and operational steps.
- Organic Grocery and Speciality Food Store – Stock organic, health-focused food items and specialty products to cater to a growing health-conscious market.
- Digital Marketing Agency – Offer social media management, SEO, and content marketing solutions to small and medium businesses.
- Customised Gifting Service – Create personalised gifts, hampers, and curated products for occasions and corporate clients.
- Cloud Kitchen or Home-Based Catering – Prepare meals and snacks for delivery, leveraging the rising demand for home-delivered food.
- Fitness Centre or Yoga Studio – Provide wellness services, fitness training, and group classes for urban clients.
- Mobile Phone Repair Store – Repair smartphones, tablets, and other gadgets with minimal setup costs.
- EV Charging Station Setup – Capitalise on the increasing adoption of electric vehicles by setting up charging points in strategic locations.
- Pet Grooming Salon and Store – Offer grooming, healthcare products, and accessories for pets, catering to growing pet ownership.
- Travel Agency and Tour Planning – Plan customised travel itineraries, domestic tours, and corporate trips.
- Content Creation or Video Production Studio – Produce videos, photography, and digital content for businesses and influencers.
- Kirana Store Modernisation – Upgrade traditional grocery stores with modern inventory management and delivery services.
- Online Tuition Classes or Coaching Centre – Offer specialised online coaching for school, college, or competitive exams.
- Packaging and Labelling Solutions – Provide customised packaging solutions for small-scale manufacturers and businesses.
- Boutique or Ethnic Wear Store – Sell designer clothing, traditional wear, or customised apparel with limited inventory.
- Solar Panel Installation Service – Offer sustainable energy solutions to households, offices, and industries.
- Corporate Canteen or Tiffin Service – Cater daily meals to offices or employees, focusing on quality and hygiene.
- Website and App Development Firm – Provide digital solutions for businesses requiring websites, apps, and IT support.
- Dropshipping E-commerce Store – Sell products online without inventory, sourcing items directly from suppliers.
- Real Estate Brokerage – Facilitate property buying, selling, and rentals with minimal initial investment.
- Beauty Salon and Spa – Offer hair, skincare, and wellness services to local customers.
- Event Management and Planning – Plan weddings, corporate events, and parties with creative solutions.
- Courier Service Agency – Offer local delivery and logistics services for e-commerce and small businesses.
- IT Support and Cybersecurity Services – Provide IT assistance, network security, and technical support to companies.
- Sustainable Products Store – Sell eco-friendly and sustainable products like reusable bags, biodegradable items, and organic goods.
- Car Wash and Detailing Centre – Provide professional vehicle cleaning and detailing services in high-traffic locations.
How to start a business under Rs. 10 lakhs
- Conduct thorough market research to identify high-demand products and services.
- Prepare a detailed business plan with clear financial forecasts, pricing strategies, and marketing plans.
- Minimise overhead costs by starting from home or shared workspaces.
- Leverage digital marketing, social media campaigns, and word-of-mouth referrals for promotion.
- Begin on a small scale, monitor performance, and scale operations gradually based on demand.
How to fund your business idea with Bajaj Finserv
Even businesses under Rs. 10 lakhs may require external funding for inventory, equipment, or marketing. Bajaj Finserv provides tailored financial solutions for entrepreneurs:
- Explore business loan of Rs. 10 lakhs options to meet startup expenses.
- Check applicable business loan interest rate for better financial planning.
- Use the business loan EMI calculator to estimate repayment schedules.
- Check your business loan eligibility to determine funding readiness.
Conclusion
Launching a business under Rs. 10 lakhs in India in 2025 is highly feasible with proper planning, smart investment, and strategic execution. Entrepreneurs can build sustainable and profitable ventures while mitigating financial risks. For additional financial support and faster growth, consider applying for a secured business loan to scale your operations efficiently.
