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Business Loan in Kolkata

Kolkata is a metropolis with a rich history and is now starting to flourish with an entrepreneurial spirit. It is a city where dreams take flight. If you're a business owner in Kolkata with aspirations to expand and scale new heights, securing adequate capital is of the utmost importance. A Business Loan in Kolkata from Shriram Finance can fuel your growth, empowering you to run your operations, invest in cutting-edge equipment, and confidently start your business journey. Shriram Finance offers a range of business loan solutions designed to cater to your specific needs. These solutions feature competitive interest rates starting from 10%* p.a. and flexible repayment options. Discover how a Business Loan in Kolkata can unlock the full potential of your business and propel it towards unparalleled success.

Business Loan Types in Kolkata

Shriram Finance offers a range of secured and unsecured business loans to support your business needs in Kolkata, including:

Loan Without Financials
Loan Without Financials
A loan option that doesn't require businesses to provide extensive financial paperwork, making it accessible to startups and businesses with limited records.
GST Business Loan
GST Business Loan
This loan helps streamline the management of Goods and Services Tax (GST) payments, aligning loan amounts with GST return filings for easier compliance.
Working Capital Loan
Working Capital Loan
It provides businesses with the necessary funds to manage their day-to-day operational costs, covering expenses like inventory, salaries, and supplier payments.
Trade Finance
Trade Finance
Designed to facilitate international trade activities, this loan offers tools such as letters of credit and export credit insurance to support import and export operations.
Shop Loan
Shop Loan
Financial support for small retail businesses, including shops and boutiques, assisting with operational costs, expansions, and improvements to their establishments.
Business Loan for Women
Business Loan for Women
Tailored financial support for women entrepreneurs to empower them to launch or scale their businesses, providing access to capital and resources for success.
Supply Chain Finance
Supply Chain Finance
Offers solutions to optimize payment processes between buyers and suppliers, ensuring smoother transactions and enhanced operational efficiency for all parties involved.
Startup Business Loan
Startup Business Loan
Assists new businesses in covering essential startup costs, including expenses related to equipment purchases, marketing initiatives, and product development efforts.
MSME Loan
MSME Loan
Supports micro, small, and medium-sized enterprises with a range of business expenses, from managing working capital to funding growth and expansion projects.

Features and Benefits of Business Loans in Kolkata

If you're seeking financial support to expand your business in Kolkata, Shriram Finance offers a streamlined business loan solution with key benefits:

Online EMI Calculator

Online EMI Calculator

Accurately calculate your monthly payments with our easy-to-use online EMI Calculator.
Loans starting from Rs. 1 lakh*

Loans starting from Rs. 1 lakh*

Manage your business expenses with loans starting from Rs. 1 lakh*.
Secured & Unsecured Loans

Secured & Unsecured Loans

Shriram Finance offers both secured and unsecured business loan options, depending on your business location. Get an unsecured business loan at an interest rate of 12%*p.a. and secured business loan at 10%* p.a.
Quick Loan & Approvals

Quick Loan & Approvals

Expect a fast loan approval process to ensure your business needs are met on time. The approval time is about 2- 3 business days, based on the reliability of the information provided, meeting the requirements, and submission of the necessary documents.
Flexible Loan Tenure

Flexible Loan Tenure

Choose from a range of flexible tenure options. Secured Loans start from 12 – 84 months, and unsecured business loans range from 12 to 48 months.
Hassle-free Online Process

Hassle-free Online Process

Apply for your loan and get it approved online in a few simple steps.

Business Loan Interest Rates and Charges in Kolkata

At Shriram Finance, interest rates for business loans in Kolkata start at 10%* p.a.. For all the details on rates and any fees that might apply, take a look at our website or chat with our team at the Kolkata branch.

Type of Fees Applicable Charges
Interest RateCustomised interest rates starting from 10%* p.a.
Processing FeesUp to 5%*
Late Payment Fees36%* p.a on the Overdue Amount
Foreclosure ChargesUp to 4%*

How to Use the Business Loan EMI Calculator

STEP 01

Required loan amount

₹

STEP 02

Interest rate

%

Min 10%

Max 30%

STEP 03

Loan tenure
months

Min 12 months

Max 84 months

Loan Summary

loangraph

Loan

Loan Amount

₹ 1,00,000

Interest Payable

₹ 39,450

Monthly EMI

₹ 1,660

Eligibility and Documentation Criteria for Business Loans in Kolkata

Eligibility and Documentation Criteria for Business Loans in Kolkata

  • Individual IconEligible Applicants:
    • Private Limited Companies
    • Public Limited Companies
    • Partnership firms
    • Limited Liability Partnerships (LLPs)
    • Sole Proprietorships
  • Individual IconEligibility Requirements:
    • Age: Applicants should be between 21 years to 65 years old (with loan maturity not exceeding 65 years).
    • Professional Profile: Self-employed individuals, business owners, or proprietors must demonstrate a minimum of 3 years of business experience.
  • Individual IconRequired Documents:
    • Business PAN card
    • Applicant's PAN card
    • Six-month bank statement
    • Proof of business registration
    • Recent photograph

Step-by-Step Application Process for Business Loans in Kolkata

Getting a Shriram Business Loan in Kolkata involves these straightforward steps:

How To Apply

  • Step 1

    Register using your mobile number

  • Step 2

    Enter loan details

  • Step 3

    Enter business details

  • Step 4

    Receive a verification call from us

  • Step 5

    Get your loan disbursed

Unsecured Business Loans in Kolkata

Shriram Finance offers a solution for growing businesses in Kolkata with our unsecured business loans, requiring no collateral. With Shriram Finance, you can get an unsecured business loan starting from Rs. 1 lakh*. Our unsecured business loans come with flexible repayment options and competitive interest rates. Applying is easy with our online process. Benefits include no collateral requirements and a quicker approval process. Eligibility requires your business to have been operating for at least 3 years and submission of necessary documentation.

Our Business Loan Branches in Kolkata

Shriram Finance has branches all over Kolkata, so you can easily apply for and manage your loan.

Locate Us

or

  • ANDAMAN AND NICOBAR ISLANDS
  • ANDHRA PRADESH
  • ASSAM
  • BIHAR
  • CHANDIGARH
  • CHHATTISGARH
  • DADRA AND NAGAR HAVELI
  • DELHI
  • GOA
  • GUJARAT
  • HARYANA
  • HIMACHAL PRADESH
  • JAMMU AND KASHMIR
  • JHARKHAND
  • KARNATAKA
  • KERALA
  • Karnataka
  • MADHYA PRADESH
  • MAHARASHTRA
  • MANIPUR
  • MEGHALAYA
  • Madhya Pradesh
  • Maharashtra
  • ODISHA
  • PUDUCHERRY
  • PUNJAB
  • RAJASTHAN
  • SIKKIM
  • TAMIL NADU
  • TELANGANA
  • TRIPURA
  • Tamil Nadu
  • Telangana
  • UTTAR PRADESH
  • UTTARAKHAND
  • WEST BENGAL

Business Loan Customer Care in Kolkata

Need help with your business loan in Kolkata? Shriram Finance has a dedicated customer care team ready to assist. Reach out by phone or visit one of our branches.

Toll Free

Business Loan Status in Kolkata

See where your business loan application stands by using your reference number on our website, or just give our customer care team a call.

Business Loans in Major Cities

Business Loan in Chennai
Business Loan in Mumbai
Business Loan in Pune
Business Loan in Indore

Business Loan FAQs

Who is eligible for a business loan in Kolkata?

Partnership firms, Proprietorship firms, Pvt Ltd companies, Public Ltd companies, and LLPs are eligible to apply for a business loan. The applicant should be between 21 years to 65 years old (with age at loan maturity not exceeding 65 years). Self-employed individuals, business owners, or proprietors with a minimum of 3 years of business experience are also eligible.

What is the interest rate on a business loan in Kolkata?

The interest rate for Shriram Business Loan starts from 10%* p.a. For detailed information on interest rates and applicable fees/charges, please refer to their interest rate and charges section above.

How much loan can I get for my business in Kolkata?

Shriram Finance provides business loans starting from Rs.1 lakh. The maximum loan amount depends on your business's needs and eligibility

Can I apply for a business loan in Kolkata?

Yes, you can apply for a business loan in Kolkata. Applying for a business loan with Shriram Finance is very easy. You can apply online or visit a branch.

What is the maximum loan tenure for a business loan in Kolkata?

You can choose a loan tenure from 12 to 48 months for unsecured business loans and 12 – 84 months for secured business loans.

What is the processing time for a business loan in Kolkata?

The loan approval time is approximately 2- 3 business days. This is dependent on the credibility of the information furnished, fulfilment of the eligibility criteria, and submission of relevant documents.

What is the eligibility for a startup business loan in Kolkata?

For a startup business loan in Kolkata from Shriram Finance, the eligibility criteria are generally the same as for a regular business loan.

What is the minimum interest rate for a business loan in Kolkata?

The minimum interest rate starts from 10%* p.a.

Disclaimer

The information provided in this guide is for educational purposes only and should not be considered financial advice. Always consult with a financial advisor before making investment decisions related to fixed deposits or any other financial products.