Independent MSME finance guidance

Finance the business you are building.

Practical guidance on business loans, working capital and government-backed schemes, written from inside lending.

Explore business loans
An Indian shop owner reviewing business finances

Price the facility before the bank does

₹86,663 a month

Monthly EMI₹86,663
Total interest₹6,19,880
Total repayment₹31,19,880
Decision check19.9% interest

Start with the financing need

Business loans

Size the loan, prepare the file and compare lenders.

Before you apply

Choosing a lender

After you borrow

More guidance

All business loan guidance

Government schemes

Understand Mudra, CGTMSE and other supported routes.

Choose a scheme

All scheme guidance

Current business loan benchmarks

Published provider terms verified 8 September 2026. Profile-based rows contain no estimated rate.
LenderPublished rateProcessing feeMaximum ticketMaximum termVerified
HDFC Bank10.75% to 22.50%Up to 2% + GSTRs.75 lakh; Rs.1 crore in select locations48 months2026-09-08
ICICI BankProfile basedDisclosed with the offerProfile basedNot published2026-09-08
Axis BankProfile basedUp to 2% + GSTProfile basedNot published2026-09-08
SBI ABL Saral7.50% onwards; EBR or MCLR linkedUp to 0.65%Rs.5 crore180 months2026-09-08
Bajaj Finserv14% to 23%Up to 4.72% incl. taxesRs.80 lakh96 months2026-09-08
Lendingkart13.5% onwardsUp to 4%Rs.50 lakh36 months2026-09-08
FlexiLoans1% per month onwards2% to 3%Rs.50 lakh42 months2026-09-08
Indifi1.5% per month onwardsUp to 4%Rs.50 lakh36 months2026-09-08

Lowest total cost

Match the facility to the cash conversion cycle.

  • Rate from10.75% to 22.50%
  • Processing feeRs.75 lakh; Rs.1 crore in select locations
  • Maximum ticket48 months

Our partner route stays disabled until a verified offer and destination URL are live.

See verified offer unavailable
An Indian entrepreneur reviewing production in a workshop

Match finance to the operating cycle.

The cheapest loan is not always the right facility. Start from cash conversion, not the advertised rate.

Calculate your working capital need