Rs. 75,000 Business Loan

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Avail up to ₹1 Cr starting at 13%

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Best Loan Offers

Curated Offers from 20+ Lenders

Unsecured Loan

Term Loan & OD Facilities Available

Expert Advice

Guidance & Assistance

Top Up Facility

Loan to Get Additional Funds

Rs. 75,000 Business Loan – Key Highlights

Loan Tenure: Up to 7 years
Loan Interest Rate: Starting from 13% p.a.
Collateral: Not required for unsecured business loans
Foreclosure Charges: Up to 5% of the outstanding loan amount
Application Process: Both online and offline
Processing Time: May vary across lenders.

Business Loan Lenders for Rs. 75,000

Multiple lenders in India offer Rs. 75,000 business loans to borrowers. The table below provides a list of top lenders offering business loans in India:

Lenders	Interest Rate (% p.a.)	Tenure
Axis Bank	10.99% onwards	Up to 60 months
Bajaj Finserv	14.00% - 23.50%	Up to 96 months
FlexiLoans	12.00% onwards	Up to 42 months
Godrej Capital	17.00% onwards	Up to 72 months
HDFC Bank	10.75% - 22.50%	Up to 48 months
Hero FinCorp	14.00% onwards	Up to 48 months
IDFC FIRST Loan	13.00% onwards	Up to 48 months
Indifi Capital	18.00% onwards	Up to 36 months
Kotak Mahindra Bank	9.50% - 30.50%	Up to 60 months
KreditBee	12.00% - 28.00%	Up to 48 months
L&T Finance	10.00% onwards	Up to 60 months
LendingKart	13.50% onwards	Up to 24 months
Poonawalla Fincorp	15.00% onwards	Up to 60 months
Tata Capital	12.00% onwards	Up to 60 months

Interest rates as of 10th August 2026

Eligibility for Business Loan of Rs. 75 Thousand

To be eligible for a Rs. 75,000 business loan, you must fulfil the following criteria:

Age: The applicant must be at least 21 years old at the time of loan application and 65 years old at the time of loan maturity.
Business vintage: The business must have been in operation for at least 2-3 years.
Business turnover: Rs. 50 lakh
Credit score: 700+
Income: A minimum income of Rs. 1 lakh p.a.

Who Can Apply for a Business Loan?

Eligible Entities:

Sole Proprietorship
Partnerships
Limited Liability Partnerships
Private Limited Companies
Public Limited Companies, etc.

Documents Required for Rs. 75,000 Business Loan

The documents required for a Rs. 75,000 business loan may vary across lenders. However, the commonly requested documents by lenders for business loans are listed below:

Passport, Voter ID, Aadhaar Card, etc., as identity proof
Driving licence, utility bills, Aadhaar Card, etc., as address proof
Aadhaar Card, PAN Card, birth certificate, etc., as age proof
P&L statement, latest GST returns as income proof
Other documents: Company PAN, company registration certificate, business continuity proof, etc.

Interest Rate for Rs. 75,000 Business Loan

The interest rate for a Rs. 75,000 business loan starts from 13% p.a. at Paisabazaar. However, the final interest rate on your business loan will be decided by lenders after analysing multiple factors, such as:

Your credit score & profile
Repayment behaviour
Current obligations
Existing debt-to-income ratio
Income
Business vintage
Industry of the business

Each factor plays an important role in determining the interest rate on business loan.

Uses of a Rs. 75,000 Business Loan

A Rs. 75,000 business loan can be used for multiple business purposes, including:

Buying inventory or raw materials
Managing working capital
Paying utility bills like the electricity bill, a small shop rent, etc.
Marketing of products and services
Repair and maintenance
Upgrading or buying equipment or tools

How to Apply for a Rs. 75,000 Business Loan

To apply for a Rs. 75,000 business loan, you can follow the steps mentioned below:

Open the Paisabazaar app
Select the business loan icon
Enter the required details
Scroll through the loan offers
Compare and apply for the most suitable business loan

EMI for Rs. 75,000 Business Loan

The table below shows the estimated EMI for a Rs. 75,000 business loan across different interest rates and tenures:

Interest Rate	1 Year	2 Years	3 Years	4 Years	5 Years
13% p.a.	Rs. 6,699	Rs. 3,566	Rs. 2,527	Rs. 2,012	Rs. 1,706
14% p.a.	Rs. 6,734	Rs. 3,601	Rs. 2,563	Rs. 2,049	Rs. 1,745
15% p.a.	Rs. 6,769	Rs. 3,636	Rs. 2,600	Rs. 2,087	Rs. 1,784
16% p.a.	Rs. 6,805	Rs. 3,672	Rs. 2,637	Rs. 2,126	Rs. 1,824
17% p.a.	Rs. 6,840	Rs. 3,708	Rs. 2,674	Rs. 2,164	Rs. 1,864

You can use Paisabazaar’s Business Loan EMI Calculator to calculate the EMI of your business loan.

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FAQs

Can I get a Rs. 75,000 business loan without collateral?

Yes, you can get a Rs. 75,000 business loan without collateral on Paisabazaar.

What CIBIL score is required?

Lenders usually require a credit score of 760+ for unsecured business loans in India. However, you can explore offers based on your credit score and apply accordingly through the Paisabazaar app for the highest chances of approval.

What is the EMI for a Rs. 75,000 business loan?

The EMI of a Rs. 75,000 business loan will vary as per the tenure and interest rate of the loan. For example, if you get a Rs. 75,000 business loan for a tenure of 3 years at a 13% interest rate, your EMI will be around Rs. 1,68,421.

How long does approval take?

Approval of a Rs. 75,000 business loan depends on the lender.

Can MSMEs apply?

Yes, MSMEs can apply for a business loan without collateral on Paisabazaar.

What documents are required?

Lenders usually require identity proof, address proof, business financial documents, company documents, etc.

Can I prepay my loan?

Yes, you can prepay your Rs. 75,000 business loan. However, before prepaying, you should ask your lender about the prepayment fees charged by the lender.

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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.

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.

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.

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

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