MSME Loan Process

Eligibility

Eligibility Criteria

To qualify for an MSME Loan, the applicant must

  • ✓

    Be a registered MSME (Udyam Registration preferred)

  • ✓

    Operate in manufacturing, trading, or service sector

  • ✓

    Be in business for at least 1 year (startups may be considered case-to-case)

  • ✓

    Have a clean credit history and stable cash flow

  • ✓

    Age between 21 to 65 years

  • Service Category
    • Loan Against Property (LAP)
    • MSME Loans
    • Personal Loans
    • Microfinance Loans

    Advisory Specialists Premier Loan

    Phone Icon+91 92278 25102

    Types of MSME Loans We Offer

    • Working Capital Loans

      For managing daily operational expenses

    • Term Loans

      For expansion, equipment, or asset purchase

    • Collateral-Free MSME Loans

      Based on credit profile and cash flow

    • Secured MSME Loans

      Against property, machinery, or other assets

    • Custom Loan Solutions

      Tailored to your business needs

    Calculator

    Get an approximate figure for the total monthly instalment payments along with a complete break-up of the home loan.

    Monthly EMI

    Loan Amount

    ₹ 100000₹ 50000000

    Loan Months

    12 Months120 Months

    Interest Rate

    8.1 %12 %
    How Much You Need
    Monthly EMI₹ 8,703

    Total Interest₹ 4,442

    Total Amount Payable₹ 1,04,442

    *These calculators are provided only as general self-help Planning Tools. Results depend on other factors.

    Business Documents

    img1img2
    01
    Business Documents
    • Check IconUdyam Registration Certificate
    • Check IconGST Registration
    • Check IconShop & Establishment License / Trade License
    02
    KYC of Promoter(S)
    • Check IconAadhaar Card
    • Check IconPAN Card
    03
    Financials
    • Check IconLast 6–12 months’ Bank Statements
    • Check IconLast 1–2 years' ITRs
    • Check IconCA-certified Balance Sheet & Profit & Loss Statement
    • Check IconExisting Loan Repayment History (if any)
    04
    Others (if applicable)
    • Check IconProof of Business Vintage (invoices, contracts, registrations)
    • Check IconCollateral Documents (in case of secured loans)

    Application Process

    Loan Terms Offered

    Loan Amount

    Loan Amount

    Loan Amount: ₹50,000 to ₹5 crore

    Tenure

    Tenure

    12 months to 10 years

    Interest Rate

    Interest Rate

    15% to 24% p.a. (depending on risk profile)

    Processing Fee

    Processing Fee

    1% to 3% of the loan amount

    Collateral

    Collateral

    Optional (depending on scheme and loan type)

    key-highlights

    Tips for Quick Approval

    • blue bullet point icon

      Register on the Udyam Portal for formal MSME recognition

    • blue bullet point icon

      Maintain clean bank statements and file timely ITRs

    • blue bullet point icon

      Prepare basic business projections and vintage proof

    • blue bullet point icon

      Ensure credit score and compliance are in order