10 Lakh Business Loan

Businesses can apply for a Rs. 10 lakh business loan on Paisabazaar to fund their business related needs. The business loan interest rate at Paisabazaar starts from 13% p.a.

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10 Lakh Business Loan Interest Rate

Business loan interest rates vary from lender to lender. At Paisabazaar, business loan interest rate starts from 13% p.a. Lenders take into factors like borrower’s credit profile, existing debt obligations, income, etc, before deciding the interest rate on business loans.

Business Loan Documents Required for Rs. 10 Lakh

The commonly required documents for Rs. 10 lakh business loan are mentioned below:

1. KYC Documents (Identity & Address Proof)

PAN Card (mandatory)
Aadhaar Card / Passport / Voter ID / Driving Licence
Recent passport-size photographs

2. Business Proof

Business registration certificate (GST / MSME / Shop & Establishment)
Partnership Deed (for partnership firms)
Certificate of Incorporation (for companies)
Memorandum & Articles of Association (MOA & AOA)

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3. Financial Documents

Last 6–12 months bank statements (business + personal)
Income Tax Returns (ITR) for last 2–3 years
Profit & Loss Statement
Balance Sheet
Audit reports (if applicable)

4. GST & Tax Documents

GST registration certificate
GST returns (last 6–12 months)

5. Business Continuity Proof

Proof of business vintage (usually 1–3 years minimum)
Existing loan statements (if any)

Business Loan Eligibility for Rs. 10 Lakh

Age: Min. at the time of application is 21 years and max. at the time of loan maturity is 65 years
Credit score: 760+
Business Vintage: Minimum 2 years of profitable business
Minimum turnover: Different for different lenders

When to Apply for a Business Loan of Rs. 10 Lakh

Businesses should know when to apply for a business loan to avoid financial strain. A few situations when businesses should apply for a loan are mentioned below:

To meet day-to-day expenses of the business
To expand business units
To buy inventories
To update or repair machineries

How to Apply for a Business Loan

To apply for a business loan of Rs. 10 lakh, borrowers can head to the Paisabazaar’s website

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.

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Choose from 20+ Partner Banks/NBFCs

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Flexible Tenure of Up to 4 years

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FAQs

What is the interest rate for a Rs. 10 lakh business loan?

Interest rates of Rs. 10 lakh business loan starts at 13% p.a. at Paisabazaar.

What is the minimum credit score required to get a business loan?

The minimum credit score required for a business loan is 750+.

How long should my business be operational to apply for a loan?

Your business should be operational for at least 2 years to qualify for a business loan.

Can I get a business loan without collateral?

Yes, businesses can apply for an unsecured business loan at Paisabazaar without the need of collateral.

What is the repayment tenure for a Rs. 10 lakh business loan?

The repayment tenure for a Rs. 10 lakh business loan can go up to 5 years.

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What our customers say

Business loan complex hotta h

Business loan thoda complex lagta h muhje, lekin Paisabazaar pe team ne sab steps simple bana diya muhje ache se support kiya. Thank you.

Meher SinghJan 22, 2026

Hassle-free Business Loan

I would like to take a moment to sincerely appreciate Rohit Kumar\'s (EW25946) continuous support and clear communication. Your timely responses, cooperation, and willingness to help have made a significant difference and contributed greatly to smooth coordination and successful outcomes. Your professionalism and positive approach are truly commendable, and it has been a pleasure working with you. Thank you for your dedication and for maintaining such effective communication throughout.

MD Gausar AlamJan 20, 2026

Business loan liya tha, interest acha mila

Muhje darr tha ki interest rate kahi lenders jda na charge krle, phir paisabazaar pe sahi interest rate milla. Mera credit profile dekh ke or bhi bht saare factors consider karke interest rate milla.

Mohit DasJan 15, 2026

Uncle ne bataya tha Paisabazaar ke baare mai

Mai online loans ke baare mai jada nhi janta, mere chacha ne bataya tha ki Paisabazaar se loan acha milta hai. Try kiya or asli mai bohot acha experience tha.

Raju RastogiJan 14, 2026

Boutique ke liye small loan liya tha

Boutique ke liye small loan liya tha. Small entrepreneurs ke liye bht important hota hai sahi jagah se loan lena. Paiabazaar ki team bohot helpful hai.

Vanni KumariJan 13, 2026

Loan approval ke chances dikhate h

Paisabazaar se business loan lo toh pata rehta h ki kaha loan approval ke chances jada hai. Isse thoda tension kam jata h rejection ka. Acha feature hai.

Sobhit GuptaJan 5, 2026

Advisors bohot ache the

Business loan thoda confusing hota h. Advisors ne sahi guide kiya. Thanks you.

Prakash MishraJan 4, 2026

Trusting platform

I take business loan from Paisabazaar two months before. very nice experience. No jhamela, only good work done. Thank you

Priya ShawDec 30, 2025

Chote business ke liye bhi loan mila

Chote businesses ko loan milne mai dikkat hoti hai lekin yaha mil gaya. Thank you for helping small business also. Good job keep it up.

Rupesh SharmaDec 29, 2025

Quick and easy steps

Business loan apply karne se pehle yeh sochke dar lagta tha ki bohot mehnat lagegi. Lekin mai toh surprise hi hogayi Paisabazaar ka simple or easy steps dekh ke. Itna smooth process tha ki bikul hi samjh nhi aaya kab loan approve hua or kab account mai paise agaye.

Ishita SinghDec 28, 2025

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Written By

Vandana Punj

Reviewed By

Shamik Ghosh

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