Business Loan from 9.5%
Working capital and term funding up to ₹5 crore. Collateral-free up to ₹10 lakh under PM Mudra, with CGTMSE cover for larger needs.
- Interest from
- 9.50%
- Loan up to
- ₹5 Crore
- Mudra limit
- ₹10 Lakh
- Collateral
- CGTMSE cover
Why this loan through NITI
- PM Mudra Shishu, Kishor and Tarun categories up to ₹10 lakh without collateral.
- CGTMSE guarantee lets you borrow larger amounts without pledging property.
- Cash credit, overdraft and term loan structures — pay interest only on usage.
- Machinery and equipment funding with a moratorium during installation.
- Interest subvention available on several MSME schemes.
- We help assemble the project report banks actually accept.
See the real savings
Same loan amount. Same tenure. A PSU bank rate simply costs you less.
| Bank | Interest Rate | Monthly EMI (₹25.00 L, 7yr) | Total Interest | You Save |
|---|---|---|---|---|
| PSU bank (via NITI) | 9.5% | ₹40,860 | ₹9.32 L | ₹14.87 L |
| Private bank | 13.5% | ₹46,162 | ₹13.78 L | ₹10.42 L |
| NBFC | 17% | ₹51,090 | ₹17.92 L | ₹6.28 L |
| Unsecured fintech lender | 22% | ₹58,565 | ₹24.19 L | Baseline |
Calculate your EMI
Move the sliders to see your monthly EMI and how much a PSU rate saves you.
Monthly EMI
₹40,860
Total Interest
₹9.32 L
Total Payment
₹34.32 L
Eligibility criteria
Business profile
- • Proprietorship, partnership, LLP or private limited
- • Udyam registration recommended
- • 2-3 years of business vintage (Mudra can be earlier)
- • GST returns filed and up to date
Promoter profile
- • Age 21 to 65 years
- • CIBIL 700+ for promoters and the firm
- • No wilful defaults or SMA classification
- • Own contribution of 10-25% for term projects
Documents required
Business documents
- • Udyam and GST registration certificates
- • Last 2 years ITR with audited financials
- • 12 months current account statements
- • Partnership deed or MOA/AOA
- • Project report or quotation for term loans
Promoter documents
- • PAN card and Aadhaar card
- • Last 2 years ITR with computation
- • Last 12 months current account statement
- • Business proof — GST, Udyam or Shop Act licence
- • 2 passport size photographs
How to apply
Four steps, mostly on WhatsApp.
- 01
WhatsApp Us
Send us your requirement — loan type, amount, city. Takes 2 minutes.
- 02
Free Comparison
We compare rates from 5+ PSU banks and share the best options within 15 minutes.
- 03
Document Submission
Send documents on WhatsApp. We verify and submit to the bank on your behalf.
- 04
Loan Sanctioned
48-72 hour approval. Money disbursed directly to you or your dealer.
Frequently asked questions
NITI Financial Solutions is a loan facilitation service. We facilitate the loan application process between you and our partner banks. The final loan sanction, interest rate, and terms are determined by the respective bank based on their credit assessment.