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Entrepreneur Loan in India

As an entrepreneur, to ensure that your business survives in a cut-throat competitive environment, you require a substantial amount of funds along with sound management skills.

Expand your existing venture by investing in its infrastructure, building a new warehouse, stocking goods and maintaining cash flow with an MSME loan for entrepreneurs in India from Bajaj Finserv.

  • Entrepreneur Loan: Features and Benefits

  • Collateral-free finance

    With no need to pledge assets to avail funds, simply meet the criteria and submit documents to get approval in just 24 hours*.

  • Flexi loan benefits

    Choose the unique Flexi loan facility and get additional benefits. With it, you can withdraw and prepay freely as per your business’ cash flow.

  • Personalised loan deal

    Existing customers can check for a pre-approved offer on the Bajaj Finserv Loan for Entrepreneurs for quick and easy access to funding.

  • Online loan management

    Easily manage your loan account, anytime and from anywhere, with our customer portal – Experia.

  • Loan for Entrepreneurs

    As an entrepreneur, one of your main priorities is to ensure that your business survives in a highly competitive environment. Bajaj Finserv offers loans for entrepreneurs to help you with funding requirements for urgent working capital needs.

    This instrument aids your efforts, whether you intend to invest in infrastructure, build a new warehouse, stock goods, or maintain optimal cash flow.

  • Entrepreneur Loan: Eligibility Criteria and Documents Required

    It is easy to qualify for our loan due to our simple eligibility criteria. To make things simpler, when you apply, you need to only submit a few documents.

    Eligibility criteria:

    Age: 24 to 70 years*
    (*Age should be 70 years at loan maturity.)
    Nationality: Indian
    CIBIL Score: 685 or higher
    Work status: Self-employed
    Business vintage: Minimum 3 years
     
    Documents required**:
    • KYC documents
    • Relevant business financial documents
    • Business proof: Certificate of business ownership
    • Bank account statements of the previous 6 months

  • Entrepreneur Loan: Fees and Charges

    The Bajaj Finserv Entrepreneur Loan is offered at low interest rates and against minimal fees. Refer to this table to know more about these charges.
     
    Fee Type Charge applicable
    Rate of interest 17% p.a. and onwards
    Processing fees Up to 2% of the loan amount (plus taxes)
    Bounce charges Up to Rs.3,000 (Inclusive of taxes)
    Penal interest 2% per month
    Document processing charges Rs.2,000 (plus taxes)
    Outstation collection charges Not applicable
    Document/statement charges Download loan documents at no additional cost by logging into the customer portal – Experia.

    You can also get a physical copy of your documents from any of our branches at a charge of Rs.50/- (inclusive of taxes) per statement/letter/certificate.

  • Entrepreneur Loan: How to Apply

    Business entrepreneurs can get funds easily by filling out a quick application form. Here are the steps to follow.

    Step: 1 Click on ‘APPLY NOW’
    Step: 2 Fill in your basic KYC details and financial information
    Step: 3 Select the loan amount you wish to borrow and proceed with the application

    Upon successful application, our representative will contact you to offer guidance.

    *Conditions Apply
    **Document list is indicative

Entrepreneurial Finance FAQs

Why is entrepreneurial finance important?

Adequate finance is important for entrepreneurs to start and grow their business. Entrepreneurial finance is a study that refers to financial decision-making for new ventures. It helps business owners achieve their goals and meet their expenses.

Bajaj Finserv offers a collateral-free entrepreneurial loan of up to Rs.45 lakh at an attractive rate of interest. Designed for entrepreneurs, this loan comes with less paperwork and quick approval.

What is the difference between entrepreneurial finance and corporate finance?

Entrepreneurial finance is a process of making a financial decision for a new venture or a small business while corporate finance means making financial and investment decision that may apply to larger corporations. In entrepreneurial finance, the focus is to make viable investment decisions by evaluating the effects of borrowing money and maintaining enough cash flow to run the business. However, in corporate finance, the focus is to maximise the shareholder value by implementing long and short-term strategies.

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