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The largest city in Punjab, Ludhiana is a manufacturing hub for auto parts, hosiery, apparels, garments, and bicycles. Ludhiana was ranked the best city in India with respect to business environment, in 2009 and 2013 by the World Bank.

Nearly 60% of India’s tractor parts are produced here. Traders, manufacturers, and suppliers of the aforementioned items can avail a Bajaj Finserv Business Loan up to Rs.20 lakh to increase working capital, upgrade machinery, or expand business.


Business Loan in Ludhiana Features and Benefits

Here are the following advantages of our business loan:

  • Flexibility

    With our Flexi Loan facility, you can withdraw funds as and when required and prepay when you’ve surplus.

  • Collateral-free loans

    You don’t need to pledge your personal or business assets as security for availing a business loan.

  • Financing up to Rs.20 lakh

    Avail a business loan up to Rs.20 lakh and use it to meet your various business needs.

  • Pre-approved offers

    Pre-approved offers

    You can choose from special offers selected just for you, as an existing Bajaj Finserv customer.

  • Flexible tenors

    Choose a Bajaj Finserv Flexi Loan facility and get financing for up to 8 years.

  • Online account access

    Our customer portal - Experia, allows you to manage your loan account from anywhere.

Documentation and Eligibility Criteria

To avail a business loan in Ludhiana, you need to fulfil the following criteria:

  • Age between 22-55 years

  • Your business should have a vintage of at least 3 years

  • Filing of business IT returns for at least past 1 year

  • Previous year's turnover duly audited by a CA

You may need to submit other relevant financial documents, the details of which would be conveyed as and when required.

Business Loan Interest Rate and Charges

  • Types of Fees
  • Applicable Charges
  • Rate of interest
  • 18% onwards
  • Processing fees
  • Up to 2%
  • Loan statement charges
  • NIL
  • Interest & principle statement charges
  • NIL
  • EMI bounce charges
  • Rs.2,500 for every bounce
  • Penal interest
  • 2.00% p.m
  • Secure fee
  • NA

How to Apply for Business Loan in Ludhiana?

Online Application

  • Click here to apply

  • Fill in the details and click Submit

  • Our representative would contact you with your pre-approved offer

Through SMS

  • SMS ‘BL’ to 9773633633

  • Our representative would contact you with your pre-approved offer

Contact Us

You can visit our branch office in Ludhiana at:

1st & 2nd Floor, Scf-35-G,Bhai Randhir Singh Nagar, Opp. Police Station, Orient Cinema Road, Ludhiana – 141002

You may also visit us at

We also offer business loans in other cities of India including Rajkot, Vijayawada, Jodhpur, and Madurai among others.

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