Overview
Our Long-Term Loans are specially designed for businesses planning major expansions, infrastructure development, or significant capital investments. With extended repayment tenure up to 15 years, these loans provide the financial backbone for your long-term growth strategy while maintaining manageable monthly payments.
Loan Amount
₹10 Lakh – ₹5 Crore
Interest Rate
10% – 16% p.a.
Tenure
5 – 15 Years
Processing
3 – 7 days
Key Features
Flexible Loan Amount
Access substantial funding from ₹10 lakhs to ₹5 crores for major business investments and expansion plans.
Quick Processing
Enjoy repayment flexibility with tenure options from 5 to 15 years, ensuring comfortable EMIs.
Flexible Tenure
Competitive rates starting from 10% per annum, designed for long-term affordability.
Competitive Interest Rates
Enjoy attractive interest rates starting from 12% per annum based on your credit profile.
No Usage Restrictions
Use the loan for any legitimate business purpose – equipment, expansion, working capital, or inventory.
Minimal Collateral
Collateral requirements are minimal and flexible based on loan amount and business profile.
Eligibility Criteria
For Businesses
- Business should be operational for minimum 2 years
- Annual turnover of minimum ₹50 lakhs
- Profit in at least 2 out of last 3 years
- Good credit history with CIBIL score above 650
- Business should be in manufacturing, trading, or service sector
For Applicants
- Age between 25 to 65 years
- Should be promoter/director/partner of the business
- Minimum qualification: Graduate
- Stable residential address for minimum 2 years
- No history of loan defaults or criminal cases
Documents Required
👤 Personal Documents
- PAN Card of all promoters/directors
- Aadhaar Card of all promoters/directors
- Passport size photographs (6 nos.)
- Residence proof (Utility bills/Rent agreement)
- Educational certificates
- Bank statements (last 12 months)
🏢 Business Documents
- Certificate of Incorporation/Partnership deed
- MOA & AOA/Partnership agreement
- Business registration certificates
- GST registration certificate
- Trade license/Shop establishment
- Business bank statements (24 months)
📄 Financial Documents
- Audited financial statements (3 years)
- ITR with computation (3 years)
- GST returns (last 12 months)
- Management accounts (latest)
- Stock statements and aging
- Loan statements of existing loans
Other Fees & Charges
| Processing Fee | 1% to 3% of loan amount | Legal & Technical Fee | 0.5% to 1% of loan amount |
| Prepayment Charges | 2% to 4% of outstanding | Cheque Return Charges | ₹500 per instance |
| Late Payment Fee | 2% per month | Statement Charges | ₹100 per statement |
| Documentation Fee | ₹5,000 to ₹15,000 | Loan Cancellation | 1% of sanctioned amount |
Application Requirements
Initial Application
Submit the loan application form with basic business and personal details.
Document Submission
Provide all required documents for verification and assessment.
Credit Assessment
Our team will evaluate your creditworthiness and business viability.
Property Valuation
Technical and legal verification of collateral property (if applicable).
Loan Approval & Disbursement
Upon approval, complete loan documentation and receive funds.
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