Working capital

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Frequently Asked Questions

Why should I take a business loan?

Whether your business is at an initial stage or in the growth phase, additional finance can help you keep up the momentum. You can avail of a business loan of up to Rs.45 lakh from Bajaj Finserv for your short or long term financial needs, to avoid any type of working capital shortfall.

Can the credit limit for a business loan be increased?

Yes, it is possible. This is subject to the eligibility criteria at the time of your request and may be done at the sole discretion of Bajaj Finserv. You may submit a request letter to us, and if requested, fresh documents for the enhanced amount application.

What are the fees and charges applicable during loan processing?

Below are different types of fees and charges that are levied on a loan (only if applicable)

The interest rate applicable for business and professional loans customer varies basis the credit score which includes without limitations, a number of variables such as, customer details, loan delinquency and many more. These variables have been recognized as material risk explaining variables in company segmentation analysis. The aforesaid is dynamic and gets revised periodically as per the experience and performance of the past portfolio and hence subject to change.

BPI (Broken Period Interest) is applicable for cases disbursed post 15th of every month. BPI is calculated on a pro-rata basis for the remaining days of the month from the date of disbursal. This is so because the EMIs start from the second month of loan booking. The 1st month is considered as a free period where no interest or EMI is charged from the customer.

Processing fee is the amount of fee charged for an end to end processing of the customer’s loan application.

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