Business Loan for working capital

The day-to-day administrative costs of running a profitable business can be quite high. Your employees’ salaries alone could run into several lakh rupees each month. Add to that the maintenance of your office premises, inventory costs and other associated expenses, and you would need a significant sum of money to keep your business running each month. Why not keep a healthy bank of working capital in your ledgers with a business loan of up to Rs. 50 lakh.



In a competitive job market, employees with right skill sets and experience demand high salaries. Keep your best employees on board with generous pay packets and add seasonal incentives with the help of a business loan.

Operations cost


Keep your inventory stocked with the latest goods, and maintain a robust service and delivery channel. From time-to-time, assess the quality of your equipment and make the required upgrades so you stay competitive.

Cashflow Gaps


Keeping the books balanced when customers’ payments are delayed, or you have just paid a large bill by your suppliers, is tricky. Stay comfortably afloat with the Flexi facility offered by Bajaj Finserv Business Loans.



Depending on how large a space you need, the rent for your business may go up to several lakh rupees every month. If you choose to rent a shop in a higher-end location, the cost increases exponentially.



Keep your working area well-lit and ensure that your business adheres to electrical safety codes. You may want to update your electrical systems with the needs of a growing business, or when you upgrade your equipment.

3 unique variants of our business loan

  • Flexi Term Loan

    Assume that you have taken a loan of Rs. 20 lakh with a repayment period of 24 months. You have paid the EMIs on time for the first six months. So, by now, you must have paid back roughly Rs. 5 lakh.

    It occurs to you that you need another Rs. 5 lakh. To drawdown additional funds from your Flexi Term Loan account, sign in to our customer portal – My Account.

    Now, let us say you have decided after three months to pay off a portion of your loan, for example, Rs. 10 lakh. You can easily repay by signing in to My Account.

    Your interest will be automatically adjusted throughout, and you are only required to pay interest on the outstanding principal. Both the principal and the adjusted interest are included in your EMI.

    A modern-day business demands dynamicism and may need quick investments. A Flexi Term Loan is perfect for such uses.

  • Flexi Hybrid Loan

    This is another variant of our business loan that works exactly like the Flexi Term Loan. The only difference is that, for the initial period of the loan, your EMI will only consist of the applicable interest. For the subsequent period, the EMI will consist of the interest and principal components.

    Click here for a detailed description of how our Flexi Hybrid Loan works.

  • Term Loan

    This is like regular business loan. You borrow a certain amount of money, which is divided into equated monthly instalments that consist of both principal and the applicable interest.

    If you wish to part-pay or foreclose your loan before the completion of your loan tenure, you can do that by paying the part-payment and foreclosure fee.

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Features and benefits of our business loan

All you need to know about our Business Loan

Watch this video to know everything about the features of our business loan

  • 3 unique variants

    3 unique variants

    Choose the loan type that suits you the best – Term Loan, Flexi Term Loan and Flexi Hybrid Loan.

  • No part-prepayment charges on Flexi variants

    No part-prepayment charges on Flexi variants

    You can prepay a portion of your loan at no extra charges with our Flexi Term Loan and Flexi Hybrid Loan.

    Read about our Flexi Hybrid Loan

  • Loan of up to

    Loan of up to Rs. 50 lakh

    Manage your small or large business expenses with loans ranging from Rs. 50,000 to Rs. 50 lakh.

  • Convenient tenures of up to

    Convenient tenures of up to 8 years

    Get the added flexibility to pay back your loan with repayment options ranging up to 96 months.

  • Money in your bank account in

    Money in your bank account in 48 hours*

    In most cases, you will receive the loan amount in your account within 48 hours of approval.

  • No hidden charges

    No hidden charges

    All fees and charges are mentioned upfront on this page and in the loan document. We advise you to read these in detail.

    Know about our fees and charges

  • No collateral required

    No collateral required

    You do not have to worry about providing any collateral or security to get our business loan.

  • End-to-end online application process

    End-to-end online application process

    You can apply for our business loan from the comfort of wherever you are, at a time convenient for you.

  • *Terms and conditions apply

    Still haven’t found what you’re looking for? Click on any of the links at the top of this page.

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Wide selection of products

You might not require a loan at this time, or you might not have a pre-approved offer. There is still a vast selection of products available, which you can choose from:

  • Set up your Bajaj Pay wallet

    Set up your Bajaj Pay wallet

    The 4-in-1 wallet gives you the option to transfer money or pay using UPI, EMI Network Card, Credit Card, and your digital wallet.

    Download Now

  • Check your credit health

    Check your credit health

    The two most crucial factors you should consider are your credit health and your CIBIL Score. Get our Credit Health Report to know your current financial health.

    Check your CIBIL Score

  • Pocket Insurance to cover all your life events

    Pocket Insurance to cover all your life events

    We have more than 200+ insurance plans that start from Rs. 19. They cover all life events, like hiking, common diseases, losing your car keys, and more.

    Discover Insurance Mall

  • Set up an SIP for as little as Rs. 100 per month

    Set up an SIP for as little as Rs. 100 per month

    Select from over 900 mutual funds from 40+ mutual fund companies, like Aditya Birla, SBI, HDFC, ICICI Prudential, and more.

    Discover Investment Mall

EMI Calculator

EMI Calculator

Plan your instalments better.

Eligibility criteria and documents required

Anyone can apply for our business loan, as long as they meet the five basic criteria mentioned below. If you meet all the eligibility criteria, you will need a set of documents to complete your application process.

Eligibility criteria

  • Nationality: Indian
  • Business vintage: At least 3 years
  • CIBIL score: 685 or higher
  • Work status: Self-employed
  • Age: 24 years to 70 years*


  • KYC documents - Aadhaar/ PAN card/ passport/ voter’s ID
  • Proof of business ownership
  • Other financial documents

*You should be 70 years or younger at the end of the loan tenure.

Business loan application process

Step-by-step guide to applying for a business loan

  1. Click on the ‘APPLY' button on this page.
  2. Enter your 10-digit mobile number and OTP.
  3. Fill in the application form with your basic details, such as your full name, PAN, date of birth, and PIN code.
  4. Once you enter all your details, please click on ‘PROCEED’ to visit the loan selection page.
  5. Enter the loan amount that you need. Choose from our three business loan variants –Term, Flexi Term, and Flexi Hybrid.
  6. Choose the repayment tenure – you can select tenure options of 12 months to 96 months and click on ‘PROCEED’.
  7. Complete your KYC and submit your business loan application.

Our representative will guide you on the next steps. The loan amount will be transferred to your bank account upon verification of your documents.

Applicable fees and charges

Type of fee

Applicable charges

Rate of interest

9.75% to 30% p.a.

Processing fees

Up to 3.54% of the loan amount (inclusive of taxes).

Bounce charges

Rs. 1,500 per bounce.

Document processing charges

Rs. 2,360 (inclusive of taxes).

Penal interest

In case of any delay in payment of the monthly instalment, you will be charged a penal interest at the rate of 3.50% per month on the monthly instalment/ EMI outstanding from the date of default until the receipt of the monthly instalment/ EMI.

Part-prepayment charges*

4.72% inclusive of the taxes on part-payment amount paid.

Stamp duty

At actuals (as per state).

Mandate rejection charges

Rs. 450 per month from the first month of due date for mandate rejected by customer’s bank until the new mandate is registered.

Annual maintenance charges

Flexi Term Loan - 0.295% inclusive of applicable taxes on the total withdrawable amount.

Flexi Hybrid Loan – 1.18% inclusive of applicable taxes on the total withdrawable amount during initial loan tenure and 0.295% inclusive of applicable taxes during subsequent loan tenure.

Foreclosure charges

Term Loan – 4.72% inclusive of applicable taxes on the principal outstanding amount as on the date of such full pre-payment.

Flexi Term Loan and Flexi Hybrid Loan – 4.72% inclusive of applicable taxes on total withdrawable amount (total loan amount that you can withdraw under Flexi variants from time to time as per the repayment schedule on the date of levy of such charges).

*These charges are not applicable on the Flexi Term Loan and Flexi Hybrid Loan facilities. Moreover, part-prepayment should be more than one EMI.

Frequently asked questions

What is a business loan, and how much can one borrow?

A business loan is a financial offering that can help you meet your planned and unplanned business expenses. It is a kind of unsecured financing, and you can avail of one without providing any collateral.

You can get a business loan of up to Rs. 50 lakh from Bajaj Finserv by fulfilling the easy-to-meet eligibility criteria. Once your application is approved, you can get the loan amount in your bank account within 48 hours*.

*Terms and conditions apply

Who can apply for a business loan?

Business entities such as proprietary concerns, partnership firms, private limited companies, self-employed professionals, and self-employed non-professionals can apply for a Bajaj Finserv Business Loan. All applicants are required to fulfil the eligibility criteria and submit their relevant documents.

What is the minimum CIBIL score required for a business loan?

Bajaj Finserv considers a CIBIL score of 685 or above as a good credit score. A strong business turnover and having all your documents in check also reflect positively on your profile.

What can I use a business loan for?

You can use a business loan to manage your venture’s planned and unplanned expenses. From leasing a larger office premise to renovating your workspace, you can use it for various purposes. You can even purchase, lease, or repair machinery or upgrade old technology to bring in a more efficient and smoother way of working. Stocking up inventory, purchasing raw materials in bulk, or expanding your operations are some other end-uses of a business loan.

How can I apply for a business loan?

Applying for a business loan from Bajaj Finserv is easy. Start by clicking on the ‘Apply’ button on this page and open the online application form. Enter your basic details and verify your profile with the OTP that is sent to your phone.

Share the basic details of your business and gather your business documents. A representative from Bajaj Finserv will contact you with the next steps. Once your loan application is approved, you can get money in your account within 48 hours*.

*Terms and conditions apply

What is the minimum business turnover required to qualify for a business loan?

To get a business loan from Bajaj Finserv, you must own a business that has been operational for a minimum of 3 years. You are also required to have filed your income tax returns for at least one year.

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