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Capital Loan

o Get loan up to 2 Crore
o Collateral free loan is available
o Longest repayment period
Enquiry Form
Capital Loan
Bank Name Interest Rate Range (%) Processing Fee (%) Maximum Loan (Lacs) Maximum Tenure (Month)
LoanTap
20.00%
2 %
36
Davinta Financial Services
20.00%
2 %
36
Davinta Financial Services
24.00%
2 %
36
Deutsche Bank
18.00%
2%
36
Fullerton India Private Limited
19.00%
2%
36
ashv finance
20.00%
2%
36
HDFC Bank Ltd
17.00%
2%
36
Hero FinCorp Limited
19.00%
2%
36
ICICI Bank Ltd.
17.00%
2%
36
IDFC First Bank
18.00%
2 %
36
loan frame
19.00%
2 %
36
capital float
25.00%
2 %
36
Indifi Technologies Private Limited
23.00%
2 %
36
Axis Finance Limited
19.00%
2%
36
RBL Bank Ltd.
18.00%
2 %
36
Standard Chartered Bank
15.00%
2 %
36
Tata Capital Financial Services Limited
19.00%
2 %
36
YES Bank Ltd.
18.00%
2 %
36
SMC finance
19.00%
2%
36
Axis Bank Ltd.
18.00%
2%
36
Federal Bank Ltd.
18.00%
2%
36
Aditya Birla Finance Limited
18.00%
2 %
36
Edelweiss Finance
18.00%
2%
36
22.00%
2 %
36
Growth Finance
25.00%
2 %
36
Bank Name Min Interest Rate
LoanTap

20.00%

Davinta Financial Services

20.00%

Davinta Financial Services

24.00%

Deutsche Bank

18.00%

Fullerton India Private Limited

19.00%

ashv finance

20.00%

HDFC Bank Ltd

17.00%

Hero FinCorp Limited

19.00%

ICICI Bank Ltd.

17.00%

IDFC First Bank

18.00%

loan frame

19.00%

capital float

25.00%

Indifi Technologies Private Limited

23.00%

Axis Finance Limited

19.00%

RBL Bank Ltd.

18.00%

Standard Chartered Bank

15.00%

Tata Capital Financial Services Limited

19.00%

YES Bank Ltd.

18.00%

SMC finance

19.00%

Axis Bank Ltd.

18.00%

Federal Bank Ltd.

18.00%

Aditya Birla Finance Limited

18.00%

Edelweiss Finance

18.00%

22.00%

Growth Finance

25.00%

₹ 10L
₹ 50L
₹ 1C
₹ 1.5C
₹ 2C
₹ 2.5C
₹ 3C
%
1%
5%
10%
15%
20%
25%
30%
1
10
20
30
40
50

Loan EMI

Total Interest

Total Payment

Eligibility Criteria

What you mean by capital limit Eligibility Criteria?

Boost your business to next level of success through the aid of capital limit facility offered by leading banks at attractive interest rate with flexible tenure. Even overdraft facility is offered, before applying ensure you meet specific eligibility criteria.

Capital limit Eligibility Criteria

Capital limit Eligibility Criteria depends on various factors like age of individual, business sales/turnover, total work experience & CIBIL Score ..etc.

Eligibility Criteria for Self-Employed Individuals

  • • Age Limit of Self –Employed Individuals - 21 to 65
  • • CIBIL Score should be above - 750
  • • Minimum Years of Business continuity –3- 5 Years
  • • Business of nature must be involved trading & manufacturing

What are the factors generally affecting capital limit Eligibility Criteria?

There are top 4 factors that generally affects Working capital limit Eligibility Criteria as given below: -

Production process length: - If your organization is still practicing work by labour instead of machinery then, you will require more working capital which would lower your eligibility chance.

Business Nature of Company: - As stated above in eligibility criteria not every business is allowed to get working capital as only those business which are involved in trading & manufacturing will be able to enjoy this facility.

Past buyer history: - Lender will check your past buyer history whom & how regularly they utilize your services & make payments. If suppose any default found on past payment, then you will not be able to get more working capital.

Accessibility of Raw material: - If Accessibility of raw material unable to get easily then in this case you will look for more working capital which will not possible.

What are the ways to increase capital limit eligibility?

To increase capital limit eligibility, you need to consider Top points as given below, this will aid you in increasing your eligibility level.

Minimize your operating cycle: - Usually, operating cycle are measured from the date of purchasing raw materials for project to receive payment. Therefore, you required to complete this operating cycle by minimizing its time period.

Check well your customer credit: - Not only your credit affects your eligibility even you customer credit history needs to check properly before supplying goods & services, know whether they can afford to pay bill on time or not. If your customer credit history seems to be bad then, avoid proceeding further with them, it would help you to increase eligibility.

Cut-Down unnecessary expenses: - Try to avoid unnecessary expenses spending in business, set a limit of rules & regulations upon business expenditure. Let utilize that money for business daily operational expenses.

Documents Required

  • Individual
  • Prop Firm
  • Partnership Firm-LLP
  • PVT. LTD.
Frequently Asked Questions

Is Getting capital loans from banks are good?

Yes, there would be various NBFC's too providing capital loans but majorly compared to many terms government or private banks are far better to avail loan.

What is capital loan?

Capital are generally borrowed to cover day to day business operational costs which include management, purchase of goods, rental expenses, employee salary or wages & other office related expenses.

What will be the maximum loan amount for capital loan?

There are various factors that determine maximum loan amount, in case-to-case things get varied.

What is the major benefits of getting capital loans?

This type of facility comes under unsecured category which give you the relaxation of not pledging collateral/assets to get loan not only that due to its a short-term loan it won’t give you the tense of more documentation with that online application is also available.

Does NBFC’s provide capital loan?

Yes, Multiple NBFC’s provide loan for business expansion & for their management system through financial support.

Is I am eligible for capital loan?

  • To know your eligibility, you need to check the common eligibility criteria of capital loans: -
  • Minimum 3 years of business vintage
  • LLP, Private Limited & LLP are eligible
  • You must be resident of Indian
  • Promoter should have good credit history

How much Credit score required for capital loans?

For getting capital loans you must have credit score above 750 as much as the higher credit score is that much possibility of getting loan increase with that it also provides you the benefit to negotiate better rates & terms.

How much will be the capital processing fee?

Usually, Lender impose an fee for processing loan applications which would be 0.50% - 2% of total loan amount vary from banks to banks.

What are the mandatory documents required?

  • Company ROC as a proof of minimal 3 years business existence
  • 2 Passport sized photographs
  • Latest 1 year Bank Statement
  • Office address proof
  • Personal identity & residential proof

Related Topics

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Mr. Vikas Jain is a reputed Chartered Accountant possessing in-depth understand...

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CA Vikas Jain - Chief Advisor

Mr. Vikas Jain is a reputed Chartered Accountant possessing in-depth understand...

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