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Rs. 40 Lakh Business Loan

Businesses often need timely access to funds to meet their varying business requirements. At Paisabazaar, businesses can apply for business loans with interest rates starting from 13% p.a.
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Avail up to ₹1 Cr starting at 13%

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HDFC BankHDFC Bank
Processing Time7 - 10 Days
Interest Rate13% onwards
Processing FeesUpto 2%
Max. Loan Amount₹1 Crore
IDFC First BankIDFC First Bank
Processing Time7 - 10 Days
Interest Rate14% onwards
Processing FeesUpto 3%
Max. Loan Amount₹1 Crore
Bajaj FinservBajaj Finserv
Processing Time3 - 6 Days
Interest Rate19% onwards
Processing FeesUpto 2%
Max. Loan Amount₹75 Lakh
Aditya Birla Capital LimitedAditya Birla Capital Limited
Processing Time1 - 2 Days
Interest Rate21% onwards
Processing FeesUpto 2%
Max. Loan Amount₹50 Lakh
Tata CapitalTata Capital
Processing Time3 - 6 Days
Interest Rate19% onwards
Processing FeesUpto 2%
Max. Loan Amount₹75 Lakh
LnT FinanceLnT Finance
Processing Time3 - 6 Days
Interest Rate17% onwards
Processing FeesUpto 2%
Max. Loan Amount₹75 Lakh
FlexiLoansFlexiLoans
Processing Time3 - 6 Days
Interest Rate18% onwards
Processing FeesUpto 2%
Max. Loan Amount₹25 Lakh

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Interest Rate for Rs. 40 Lakh Business Loan

At Paisabazaar, business loan interest rates start from 13% p.a. The creditworthiness of the borrower will be used by lenders to decide the final rate of interest on their loans.

Eligibility Criteria for a Rs. 40 Lakh business loan

  • Age: Minimum 21 years and maximum 65 years (at loan maturity)
  • Monthly income: Usually on the higher end. 
  • Credit score: A minimum credit score of 750 and above
  • Business vintage: At least 2 years with strong business financials
  • Eligible entities: Doctors, Architects, Chartered Accountants (CAs), Company Secretaries (CSs), 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.

Documents Required for Rs. 40 Lakh Business Loan

Documents required for Rs. 40 lakh business loan may vary across lenders. However, the commonly asked documents for a business loan are mentioned below:

  • Identity & Address
  • Business authenticity
  • Repayment capacity
  • Financial health and more
  • Documents proof of business registration 

Sample EMI Calculation

Tenure Interest Rate EMI (Approx)
3 Years (36 months) 10% Rs. 1,29,000
3 Years (36 months) 12% Rs. 1,33,000
3 Years (36 months) 14% Rs. 1,37,000
5 Years (60 months) 10% Rs. 85,000
5 Years (60 months) 12% Rs. 89,000
5 Years (60 months) 14% Rs. 93,000

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How to Apply for business loan Online

To apply for a business loan online, follow the steps mentioned below:

  • Visit the Paisabazaar app or the website
  • Fill in your phone number
  • Enter the asked details
  • Enter the received OTP
  • Browse through the offers
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FAQs

Who is eligible for a Rs. 40 lakh business loan?

Eligibility typically depends on income stability, credit score (usually 700+), employment type (salaried or self-employed), and repayment capacity.

What is the typical interest rate for a Rs. 40 lakh business  loan?

Interest rates for Rs. 40 lakh business loans starts from 13% p.a. at Paisabazaar, depending on your credit profile and lender.

What will be the EMI for a Rs. 40 lakh business  loan?

EMI depends on tenure and interest rate. For example, at 12% for 5 years, the EMI is approximately Rs. 89,000.

What is the maximum tenure available?

Most lenders offer tenures between 1 to 7 years, though some may extend up to 8 years for high-value loans.

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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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