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Business Loan of ₹50 Lakhs

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Avail up to ₹1 Cr starting at 13%

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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
KreditBeeKreditBee
Processing Time1 - 2 Days
Interest Rate21% onwards
Processing Fees2.25%
Max. Loan Amount₹50 Lakh

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Your Monthly EMI Payment

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Key Features of Business Loan Up to Rs. 50 Lakhs

  • Loan amount: Up to Rs. 50 lakh
  • Tenure: 1 to 5 years
  • Interest rates: Starting from 13% p.a.
  • Unsecured options available
  • Quick disbursal

Eligibility Criteria for Rs. 50 Lakh Business Loan

Lenders may have varying eligibility criteria for business loans. The common eligibility criteria for a Rs. 50 lakh business loan is mentioned below:

  • Age: 
    • Minimum 21 years at the time of loan application
    • Maximum 65 years at the time of loan maturity
  • Credit score: 750 and above
  • Business vintage: Minimum 2 years
  • Eligible entities: Self-employed individuals, professionals, partnership firms, MSMEs, startups etc.

Documents Required for 50 Lakh Business Loan

  • Identity proof, including passport, voter ID, Pan card, driving license, etc.
  • Address proof, including Aadhar card, passport, utility bill, etc.
  • Financial proof, including bank statements of the last 6 months, latest ITR & GST returns, etc.
  • Other documents, including business registration certificate, proof of ownership of office, business continuity documents, etc.

Suggested Read : Documents Required for Business Loan

₹50 Lakh Business Loan Interest Rates & Charges

Business loan interest rates usually start from 13% p.a. However, the final interest rate on your Rs. 50 lakh business loan will be determined based on your creditworthiness and other pertinent factors. Apart from the interest rate, lenders also charge additional fees on the business loan, including:

  • Processing Fees: Up to 6% of the loan amount
  • Prepayment Charges: Up to 5% of the outstanding principal
  • Penal Interest: 2% - 6% on the outstanding loan amount
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EMI Calculator for Rs. 50 Lakh Business Loan

For the ease of your understanding, we have provided a sample EMI calculation of Rs. 50 lakh business loan for a tenure of 5 years with varying interest rates:

Interest Rate Monthly EMI Total Payment Total Interest
14% Rs. 1,16,339 Rs. 69.80 lakh Rs. 19.80 lakh
16% Rs. 1,21,566 Rs. 72.94 lakh Rs. 22.94 lakh
18% Rs. 1,26,905 Rs. 76.14 lakh Rs. 26.14 lakh
20% Rs. 1,32,347 Rs. 79.41 lakh Rs. 29.41 lakh

Suggested Read : Business Loan EMI Calculator Online

Use Cases of Rs. 50 Lakh Business Loan

Business loans can be used to meet multiple financial requirements of businesses, including:

  • Business Expansion: For expanding existing business units or starting new ventures
  • Working Capital Needs: To meet the day-to-day requirements of business operations
  • Equipment Purchase: For purchasing or upgrading equipment to enhance productivity and efficiency
  • Inventory Management: For acquiring raw materials and components needed
  • Hiring & Operations: For boosting manpower to keep operations running
Check Government Backed Business Loans
MSME Loan PMEGP Loan
PM Vishwakarma Yojana Mudra Loan
Pradhan Mantri Rozgar Yojana PMRY Mahila Samridhi Yojana
Pradhan Mantri Kaushal Vikas Yojana PMKVY CLCSS Scheme
CGTMSE Scheme PM Vishwakarma Yojana
Nabard Scheme Udyogini Scheme
PM svanidhi scheme Pradhan Mantri Rozgar Yojana (PMRY Scheme)
Stand Up India Scheme Pradhan Mantri Kaushal Vikas Yojana PMKVY
Coir Udyami Yojana DDU-GKY Scheme
National Small Industries Corporation (NSIC Scheme) Atal Innovation Mission
UYEGP Tamil Nadu Government Loan Scheme National Skills Development Corporation (NSDC Scheme)

How to Get Lower Interest Rate on ₹50 Lakh Business Loan?

A few ways to get lower interest rate are discussed below:

  • Maintain a healthy credit score
  • Keep your debt-to-income ratio within the lenders preferred limit
  • Negotiate with lenders
  • Compare offers on Paisabazaar
  • Choose longer tenure
  • Apply with a bank where you already have banking history with
Why Choose Paisabazaar?
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Flexible Tenure of Up to 4 years

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FAQs

Can I get a Rs. 50 lakh business loan without collateral?

Yes, businesses can apply for an unsecured business loan and get funds without collateral.

What is the EMI for Rs. 50 lakh loan?

The Rs. 50 lakh business loan EMI will depend on the interest rate and tenure of the business loan.

What CIBIL score is required?

Usually, lenders prefer borrowers with a credit score of 750 and above to lend.

Can startups apply?

Yes, startups can apply for business loans. Additionally, the government runs various schemes to provide financial assistance to startups in India.

What is the maximum tenure?

Business loans are offered to borrowers for a maximum tenure of 5 years. However, borrowers should choose a tenure based on their repayment capacity.

Are there government schemes available?

Yes, the government runs several schemes to help MSMEs and startups get timely access to funds to grow their businesses. These loans are provided by designated financial institutions in India.

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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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