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...

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Google Play Store

4.5_/5

15.5L Reviews

5cr+Satisfied Customers

65+Lending Partners

800+Cities across India

Paisabazaar Exclusive Benefits

Best Loan Offers

Curated Offers from 20+ Lenders

Unsecured Loan

Term Loan & OD Facilities Available

Expert Advice

Guidance & Assistance

Top Up Facility

Loan to Get Additional Funds

Find Best 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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Hihlights

Interest rates

Fees and charges

Variants of Business Loan

Why Choose Paisabazaar?

Choose from 20+ Partner Banks/NBFCs

Pick from Secured & Unsecured Options

Get Working Capital & Top-Up Loan Solutions

Flexible Tenure of Up to 4 years

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Rate of Interest (Yearly %)

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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 25% 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%-25%
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.)
HDFC Bank	10.75 %
Axis Bank	15% - 19.25%
Bajaj Finserv	14% - 25%
YES Bank	17.25% onwards
Tata Capital	12% onwards
LendingKart	13.5% onwards
IDFC FIRST Bank	12.99% onwards
Flexiloans	12% onwards
Kotak Mahindra Bank	9.50% - 30.50%
Muthoot Fincorp	15% - 36%
Shriram Finance	12% to 42%
Indifi Capital	18% onwards

Note: Interest Rates as of 3rd December, 2025.

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.

Avail Bajaj Finserv For
All Your Needs

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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Bajaj Finserv Business Loan