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Bajaj Finserv Business Loan

Bajaj Finserv provides business loans to MSMEs for working capital, expansion, and machinery purchases. It also offers collateral-free loans for professionals like doctors and Chartered Accountants. Existing and new customers can also get pre-approved business loan offers.
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HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max Loan Amt.Upto ₹25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee₹ 6,500
ICICI Bank
100% Digital Process*Quick Disbursal
Max Loan Amt.Upto ₹25L
Rate of Interest11% - 13%
Tenure upto1-5 Years
Processing FeeUpto 2%
Axis Bank
Low Processing fee
Max Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%

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How Can I Apply for a Business Loan Online?

Get up to ₹1 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Enter OTP to verify your mobile number.

Step 3: Provide your personal details.

Step 4: Select a bank account for account aggregator consent.

Step 5: Compare offers and apply for the best-suited loan.

Bajaj Finserv Business Loan Highlights

Interest Rate 14% to 23% p.a.
Loan Amount From Rs. 2 lakh to Rs. 80 lakh
Tenure Up to 8 years
Processing Fee Up to 4.72% of the loan amount
Loan Variants Term Loan, Flexi Hybrid Term Loan, Flexi Term (Dropline) Loan

Bajaj Finserv Unsecured Business Loan Interest Rates

Loan Type Interest Rates (p.a.)
Unsecured Business Loan (MSME Loans) 14%-23%
Business Loan for Chartered Accountant 11%-19%
Business Loan for Doctors 11%-18%
Medical Equipment Loan Up to 14%

Comparison of Business Loan Interest Rates offered by Top Banks/NBFCs

Lenders Interest Rate (% p.a.)
Axis Bank 16.25% onwards
Bajaj Finserv 14.00% - 23.00%
Flexiloans 12.00% onwards
HDFC Bank 10.75% - 22.50%
IDFC FIRST Bank 12.99% onwards
Indifi Capital 18.00% onwards
Kotak Mahindra Bank 9.50% - 30.50%
LendingKart 17.25% onwards
Muthoot Fincorp 15.00% - 36.00%
Shriram Finance 10.00% onwards
Tata Capital 12.00% onwards
YES Bank 17.25% onwards

Rates as on 5th March 2026

Bajaj Finserv Unsecured Business Loan Fees and Charges

Particulars Fees and Charges
Processing Fees Up to 3.54% of loan amount
Prepayment Charges 4.72%
Bounce Charges Rs 1,500 per bounce
Penal Interest 36% p.a. Per instalment from the respective due date until the date of receipt of the full instalment(d) amount.
Mandate rejection charges Rs 450 per month
Foreclosure Charges Term Loan- 4.72%

Flexi Term Loan and Flexi Hybrid Loan- 4.72%
Annual Maintenance Charges
  • Term Loan: Not Applicable
  • Flexi Term Loan- 0.413%
  • Flexi Hybrid Loan- 1.18% during initial loan tenure and up to 0.413% during subsequent loan tenure

Types of Bajaj Finserv Unsecured MSME Loans (Loans offered through Bajaj Finserv MSME World)

Bajaj Finserv offers 3 unique variants of unsecured business loans:

  • Flexi Term Loan: Bajaj Finserv offers term loans with flexible repayment options. Applicants can also withdraw additional funds from the Flexi Term Loan Account.
  • Flexi Hybrid Loan: In such loans, the applicant pays only services to the interest component during the initial phase of the loan tenure, following which the regular EMI consisting of both interest and principal components is paid.
  • Term Loan: These are regular loans wherein the loan amount is repaid in the form of equated monthly instalments that include both principal and interest. Applicants can also prepay the loan amount before the end of the loan tenure.

Common Features

  • Loan Tenure: Up to 8 years
  • Loan Amount: Up to Rs. 80 lakh
  • Usage: Suitable for equipment financing, working capital, and other business requirements.

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Other Types of Bajaj Finserv Unsecured Business Loans

Bajaj Finserv Business Loan for Chartered Accountants

  • Purpose: Bajaj Finserv offers collateral-free business loans to Chartered Accountants to finance various business/professional requirements, such as setting up a new office, opening a branch office, integrating technology into practice and hiring recruits during the filing season.
  • Loan Amount: Up to Rs. 80 lakh
  • Tenure: Up to 8 years

Bajaj Finserv Business Loan for Doctors

  • Purpose: Bajaj Finserv offers business loans to doctors for renovation of clinic, upgradation of equipment, salary of employees, administrative costs and setting up a new clinic.
  • Loan Amount: Up to Rs. 80 lakh
  • Tenure: Up to 8 years

Medical Equipment Loan

  • Purpose: Bajaj Finserv offers Medical Equipment Loan for the purchase of machines like ultrasound units, ECGs, CT Scanners, X-ray machines, MRIs, angiography machines, monitors, scanners, etc.
  • Loan Amount: Up to Rs. 50 crore
  • Tenure: Up to 120 months

Eligibility Criteria for Bajaj Finserv Business Loans

Bajaj Finserv Unsecured Business Loan

  • Indian resident
  • Min. age: 21 years, Max. age: 80 years 
  • Self-employed applicants with a business vintage of at least 3 years are eligible for such loans
  • CIBIL score: 685
  • Work status: self-employed

For Business Loans for Chartered Accountants

  • Min. age: 22 years, Max. age: 80 years
  • CIBIL: 700 and above

For Business Loans for Doctors

  • Min. age: 21 years, Max. age: 80 years.
  • The medical registration degree should be registered with the medical council
  • CIBIL score: 685 and above

For Medical Equipment Loans

  • Min. age- 24 years, Max. age- 95 years
  • CIBIL score- 720 and above

Documents Required for Bajaj Finserv Business Loan

For Unsecured Business Loans

  • KYC Documents- Aadhaar card, Passport, PAN card, Voter ID
  • Business ownership proof
  • Other financial documents

For Business Loans for Chartered Accountants

  • KYC Documents- Aadhaar card, PAN card, driving license, Voter ID, etc.
  • Address Proof- Rent agreement, electricity bill, passport, etc.
  • Certificate of practice

For Business Loans for Doctors

  • KYC Documents- Aadhaar card, passport, voter ID, PAN card
  • Certificate for Medical Registration

For Medical Equipment Loans

  • Individual and business PAN card
  • Aadhaar / Passport / Voter’s ID / Driving Licence / Letter from NPR / NREGA Job Card
     If your current address is different from the OVD document you provide, please share one of the accepted DOVD documents.
  • Current account bank statements for the last 6 months
  • Recent colour photograph (mandatory)

For more details, check: Documents Required for Medical Equipment Loan

How Can I Apply for a Business Loan Online?

Get up to ₹1 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Enter OTP to verify your mobile number.

Step 3: Provide your personal details.

Step 4: Select a bank account for account aggregator consent.

Step 5: Compare offers and apply for the best-suited loan.

Explore Our Business Loan Lenders

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Avail Bajaj Finserv For
All Your Needs

FAQs

You can apply for a Bajaj Finserv business loan by visiting the business loan section on the Paisabazaar app

If you take a business loan of Rs. 10 lakh at an interest rate of 15% p.a. for a tenure of 5 years, your EMIs will be around Rs. 23,789.93

Simply enter the tenure, interest rate and loan amount in the Bajaj Finserv business loan EMI calculator to get instant results. You can also use Paisabazaar’s business loan EMI calculator for free and get accurate results.

Existing business loan customers with Bajaj Finance can call +91 8698010101 and those willing to apply for a new business loan can call +91 7757000000.

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