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Business Loan of Any Amount
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In summary
A business loan of Rs. 25 lakhs can help you meet major business expenses without pledging an asset as security. Bajaj Finance offers eligible applicants flexible repayment options and an online application process.
- You can apply for a Rs. 25 lakh business loan without providing collateral.
- You can choose a repayment tenure of up to 96 months, subject to the loan terms.
- The eligibility criteria include a CIBIL score of 650 or above, a business vintage of at least 3 years, and an age of 21–80 years at loan maturity.
- The loan may be disbursed within 48 hours of approval, subject to document verification and completion of the required formalities.
Use the Bajaj Finance Business Loan EMI Calculator to estimate your monthly instalment and plan repayments around your business cash flow.
Features and benefits of a Rs. 25 lakh business loan
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A Rs. 25 lakh business loan from Bajaj Finance offers collateral-free funding, flexible repayment options, and online account access. You can review the key features before deciding whether the loan suits your business requirements.
Feature What it means Key detail No collateral This collateral-free business loan does not require you to pledge an asset as security. Up to Rs. 25 lakh Flexible tenure Choose a repayment period that aligns with your cash flow. Up to 96 months Quick disbursal The loan amount may be disbursed after approval and verification. Within 48 hours of approval Online account management Access and manage your loan through the My Account portal. 24x7 access Minimal documentation Complete the application using the required KYC, business, and financial documents. Online application You can access your loan details through My Account. Check your business loan eligibility before applying.
Who is eligible for a Rs. 25 lakh business loan?
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The business loan eligibility criteria include your age, CIBIL score, nationality, and business vintage. You must meet the following requirements to apply for a Rs. 25 lakh business loan from Bajaj Finance.
Criterion Requirement Age 21 to 80 years; your age must not exceed 80 years at loan maturity CIBIL score 650 or above Nationality Resident Indian Business vintage At least 3 years Example: How can a business owner prepare to apply for a 25 lakh business loan?
Consider Ritu, a 38-year-old textile business owner in Surat, who needs Rs. 20 lakh to expand her operations. She has a CIBIL score of 720 and has run her business for 5 years.
Check your profile against the business loan eligibility criteria before submitting your application.
Documents required for a Rs. 25 lakh business loan
The business loan documents required generally cover address proof, KYC documents, business ownership proof, and financial records. Keep the relevant documents ready to help complete your application.
| Document category | Accepted documents | Notes |
|---|---|---|
| Address proof | Utility bills, rent agreement, passport, and other accepted address documents | Submit valid address proof |
| KYC documents | Aadhaar card, PAN card, voter ID card, driving licence, or passport | Keep your identity details ready |
| Business ownership proof | Business registration document | This may include the relevant registration or ownership record |
| Financial documents | GST return, bank account details, and bank statements | Keep your latest 6 months' bank statements ready |
You may also be asked for additional documents depending on your business profile and application assessment. If you need to file or review your GST return, ensure that the information is accurate and up to date. Explore a business loan for women in India if you are looking for financing options relevant to women
entrepreneurs.
Interest rates and charges on a Rs. 25 lakh business loan
Knowing the business loan interest rate and associated charges helps you estimate the total borrowing cost. Bajaj Finance has an interest rate range of 14% to 23.50%; the rate offered depends on your profile and loan terms.
| Charge type | Amount or rate |
|---|---|
| Interest rate | 14%–23.50% p.a. |
| Processing fee | Up to 4.72% of the loan amount, inclusive of applicable taxes |
| Bounce charges | Rs. 1,500 per bounce |
| Penal charge | 36% p.a. per delayed instalment, calculated from its due date until payment |
| Full prepayment charges | Up to 4.72%, inclusive of applicable taxes; the calculation depends on the loan variant |
| Part-prepayment charges | Up to 4.72% of the prepaid principal for a Term Loan; not applicable to Flexi Dropline and Flexi Hybrid variants |
| Flexi facility charge | Up to Rs. 999–Rs. 16,999, inclusive of applicable taxes, depending on the facility |
| Stamp duty | As applicable under state laws |
Other charges, including annual maintenance or credit guarantee scheme fees, may apply to specific loan variants or cases. All applicable charges and taxes will depend on the terms of your loan.
How much total interest do you pay on a Rs. 25 lakh business loan?
The total interest on a Rs. 25 lakh business loan depends on the interest rate and repayment tenure. The following examples use an illustrative rate of 14% p.a. on a reducing-balance basis; your actual rate and repayment schedule may differ.
| Tenure | Approximate monthly EMI | Approximate total interest |
|---|---|---|
| 12 months | Rs. 2,24,468 | Rs. 1,93,614 |
| 36 months | Rs. 85,444 | Rs. 5,75,987 |
| 60 months | Rs. 58,171 | Rs. 9,90,238 |
A longer tenure reduces your monthly EMI but increases the total interest paid over the loan period. Your actual business loan interest rate and repayment amount will depend on the offer made to you.
What can you use a Rs. 25 lakh business loan for?
A business loan of Rs. 25 lakhs can help you finance business expansion, purchase equipment, manage working capital, and meet other operational expenses. You can use the funds for eligible business requirements such as:
| Business need | Example |
|---|---|
| Business expansion | Opening a second outlet, branch, or warehouse |
| Equipment purchase | Buying machinery or production equipment |
| Working capital | Managing cash flow gaps during slower business periods |
| Inventory restocking | Purchasing stock ahead of festive or seasonal demand |
| Store renovation | Upgrading interiors, fixtures, or customer-facing facilities |
| Hiring and payroll | Recruiting employees or meeting payroll requirements |
Assess the cost of each requirement and your expected returns before borrowing. A collateral-free business loan can help you meet these expenses without pledging an asset, subject to the lender's assessment and applicable loan terms.
How to apply for a business loan of Rs. 25 lakh online?
You can apply for a business loan online by completing the application and verifying your mobile number through an OTP. Follow these steps to submit your application to Bajaj Finance:
- Click the 'Check Loan Offer' button to open the online application form.
- Enter basic details, including Name, PAN, Date of Birth, PIN Code, and Business details, and click 'CONTINUE'.
- Complete banking verification and continue.
- View your offer details, select the loan type — Term Loan, Flexi Dropline Loan, or Flexi Hybrid Loan — and choose the repayment tenure.
- Review the details and submit the business loan application.
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Frequently asked questions
Overview
What business vintage is needed to get a Rs. 25 lakh business loan approved?
You need a business vintage of at least 3 years to apply for a business loan of Rs. 25 lakhs from Bajaj Finance. Your application is also assessed against the product's other eligibility requirements, including the stated CIBIL score and age criteria. Meeting the minimum requirements does not guarantee approval.
What lender checks apply when a manufacturing unit applies for a Rs. 25 lakh loan?
For a Rs. 25 lakh business loan, the lender assesses your CIBIL score, business vintage, financial records, and repayment capacity. Keep your business registration details, GST returns, and bank statements ready. Bajaj Finance's stated product criteria include a CIBIL score of 650 or above and a business vintage of at least 3 years. The final decision depends on the application assessment.
Does a Rs. 25 lakh business loan require collateral?
No. Bajaj Finance offers this Rs. 25 lakh business loan without collateral, so you do not need to pledge an asset as security. This collateral-free business loan is subject to the lender's eligibility checks, document verification, and applicable terms.
How long does it take to get a Rs. 25 lakh business loan approved?
For a Bajaj Finance Business Loan, the disbursal may take place within 48 hours of approval. The time required to process your application and transfer the funds depends on document verification, eligibility checks, and completion of the required formalities. Approval and disbursal timelines are not guaranteed.
What happens if I miss an EMI on my Rs. 25 lakh business loan?
Missing an EMI on a business loan of 25 lakhs may attract penal charges and affect your CIBIL score if the delay is reported to credit bureaus. Bajaj Finance Business Loan charges include a penal charge for delayed instalments and bounce charges where applicable. If you anticipate difficulty making a payment, contact Bajaj Finance promptly to understand the available support and applicable terms.
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Disclaimer
Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.