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Rs. 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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HDFC Bank
Max Loan Amt.Upto ₹75L
Rate of Interest10.75% - 28%
Tenure uptoUpto 5 Years
Processing FeeUpto 2%
ICICI Bank
Max Loan Amt.Upto ₹50L
Rate of Interest13.25% 19.25%
Tenure uptoUpto 5 Years
Processing FeeUpto 2%
Axis Bank
Max Loan Amt.Upto ₹75L
Rate of Interest15% - 19.25%
Tenure uptoUpto 5 Years
Processing FeeUpto 2%
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How Can I Apply for a Business Loan Online?

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.

Apply Now

Highlight of Rs. 30 Lakh Business Loan

  • Loan amount: Rs. 30 lakh
  • 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

Fees and Charges of Rs. 30 Lakh Business Loan

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.

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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)

How Can I Apply for a Business Loan Online?

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.

Apply Now

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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 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.

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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.

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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

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.

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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.

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Ishita SinghDec 28, 2025
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