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30 Lakh Business Loan

A Rs. 30 lakh business loan can help businesses meet their multiple business needs. To get the best business loan offer, borrowers can visit Paisabazaar and choose from the list of eligible loan offers from lenders.
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Avail up to ₹1 Cr starting at 13%

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Key Highlight of Rs. 30 Lakh Business Loan

  • Loan amount: Rs. 30 Lakhs
  • Interest rate: Starting from 13% p.a.
  • Tenure: Up to 5 years
  • Collateral: Not needed
  • Processing Fee: Up to 2% of the loan amount

Interest Rate of Rs. 30 Lakh Business Loan

The interest rate on Rs. 30 lakh business loans starts from 13% p.a. at Paisabazaar. The final rate of interest on your loan will depend on multiple factors, including:

  • Credit score and profile of the borrower
  • Existing debt obligations
  • Income range
  • Business financials and more

Suggested Read : Business Loan Interest Rates

Business Loan of Rs. 30 Lakh Fees and Charges

Particulars Charges (excluding GST)
Processing fee Up to 5% of the loan amount
Part-prepayment/foreclosure charges Up to 4% of the principal outstanding
Cheque bounces charges Up to Rs. 1,500 per cheque bounce
Repayment mode change charges Rs. 500
Penal interest Up to 36% p.a. (per instalment)

Eligibility Criteria for 30 Lakh Business Loan

The eligibility criteria of a business loan may vary from lender to lender. The common eligibility criteria for a Rs. 30 lakh business loan is mentioned below:

Age:

    • Minimum age: 21 years at the time of loan application
    • Maximum age: 65 years at the time of loan maturity
    • Business vintage: Minimum 2 years of stable business
    • Business profitability: Minimum 2 years of profitability
    • Eligible entities: Self-employed professionals, Sole Proprietors, Partners, and Directors engaged in manufacturing, services, or trading sectors, as well as Private Limited Companies and Partnership Firms operating in these sectors.

    Suggested Read : How to Improve Credit Score in 30 Days

Check Government Backed Business Loans
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Documents Required for Rs. 30 Lakh Business Loan

Mentioned below are the commonly asked documents required for a Rs. 30 lakh business loan:

  • Identity proof: Aadhaar card, PAN card, Voter ID, etc.
  • Address proof: Aadhaar card, PAN card, Voter ID, electricity bill, utility bill, etc.
  • Business address proof
  • GST registration, Shop Act License, and Income Tax Returns (ITR)
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FAQs

Who is eligible for a Rs. 30 lakh business loan?

Businesses with stable revenue, at least 2-3 years of operations, and a good credit profile (usually 750+ score) are typically eligible. Both self-employed individuals and MSMEs can apply.

Do I need collateral for a Rs. 30 lakh business loan?

Not always. Many lenders offer unsecured loans up to Rs. 30 lakh based on cash flow, credit score, and business stability. However, secured options may offer lower business loan interest rates.

What is the repayment tenure available?

Repayment tenure typically ranges from 1 to 5 years, though some lenders may extend it further based on loan structure.

How is EMI calculated for a Rs. 30 lakh loan?

EMI depends on the loan amount, interest rate, and tenure. Higher tenure reduces EMI but increases total interest paid.

Can startups apply for a Rs. 30 lakh business loan?

Yes, but it's harder. Startups may need strong financial projections, a solid business plan, or may have to opt for government-backed schemes.

Does my credit score affect loan approval?

Yes. A higher credit score improves your chances of approval and helps secure better interest rates and terms. You can check free transunion cibil score with Paisabazaar.

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What our customers say

Convenient Business Loan

Running a small manufacturing unit means constantly managing working capital. I always check my CIBIL score on Paisabazaar app. I have taken the business loan twice from Paisabazaar, have already paid once and am going to close the second loan soon. Very convenient for me and transparent as well.

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Param SinghAug 7, 2026

Easy Credit Score Tracking

As a small business owner, I know that maintaining a healthy credit profile is important before applying for a business loan. This Paisabazaar app helped me stay updated with my credit score and get the business loan at just 13%. All in all a very useful app for entrepreneurs as well.

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Manoj KumarAug 3, 2026

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.

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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.

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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.

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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.

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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.

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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.

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Sobhit GuptaJan 5, 2026

Advisors bohot ache the

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

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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

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Priya ShawDec 30, 2025
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