Fund expansion, working capital or any other business expense with up to ₹10 Cr today — no guarantor and no collateral required.
Quick, digital & hassle-free
Purpose: Your data is collected exclusively to check your loan eligibility and securely connect you with your chosen lending partner. We process this information strictly in accordance with RBI guidelines to facilitate your application. We do not sell your data, and it is used exclusively to facilitate your loan application.
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A business loan is financing that puts money into a company for needs like working capital, equipment acquisition, growth plans or smoothing out cash flow. Banks, NBFCs and financial institutions lend it against set repayment conditions and interest rates.
Companies can go secured — backed by collateral — or unsecured with nothing pledged, depending on what suits their balance sheet and appetite.
Borrow at genuinely low interest rates without pledging any collateral or security.
Funds can reach your account within just a few hours of approval.
Repay comfortably over a period of 18 to 48 months.
A dedicated advisor is assigned to you, making the entire journey smoother and more efficient.
Your savings stay untouched for repayment — and tax benefits sweeten the deal.
— Eligibility —
Meeting these simple requirements is all it takes:
Applicant must be between 25 and 65 years old
Self-employed individuals, private limited companies and partnership firms in manufacturing
Minimum company revenue of ₹40 lakhs
At least 3 years in the current industry and 5 years of total business experience
The firm should have been profitable over the past two years
Minimum Total Revenue (MTR) of at least ₹1.5 lakhs
— Documents —
Keep these basics ready for a fast online approval:
Apply online in just a few simple steps
Register with your mobile number to kick off the application.
Fill in your business loan details online.
Tell us about your business.
Receive a verification message confirming your online approval.
Our financial advisor calls you to walk through the next step.
Get your loan credited to your account in no time.
The charges that apply across different parts of the loan are tabled below:
| Particulars | Charges |
|---|---|
| Loan Processing Fees | Between 0.5% to 4% of the loan amount |
| Pre-Payment Charges | Floating Rate: NIL · Fixed Rate: usually around 2% – 5% on the principal amount |
| Stamp Duty Charges | Applicable as per actuals |
| Legal Fees & Charges | Applicable as per actuals |
Repayment generally happens in one of the following forms:
Fixed instalments on a set date across the tenure — the most widely used, predictable way to repay.
Clear the full outstanding before the term ends (after the lock-in period) and save on future interest.
Pay off chunks of the loan whenever surplus cash arrives, shrinking both principal and interest.
Service only the interest each month and settle the entire principal at the term's end — ideal when large cash inflows are expected.
Discover how Janmudra has helped thousands of individuals across India achieve their dreams with seamless business loan solutions.
Verified Customer
Mumbai
"I took Janmudra Business loan and my decision was perfectly alright for my business."
Amount
₹5,00,000
Purpose
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"Just got my personal loan worth Rs. 5 lakh disbursed within a day."
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"Taking Business Loan has become easier with Janmudra thanks to their transparent services."
Amount
₹5,00,000
Purpose
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On the ground in every major city, with instant business loan support built around your growth.
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Everything you need to know about Business Loans from Janmudra.
