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Adani Capital Business Loan

Adani Capital offers business loans for tenures of up to 15 years to fulfil the business requirements of micro, small and medium enterprises. The various business loan products offered by Adani Capital include Farm Equipment Loans, Commercial Vehicle Loans and Supply Chain Finance.
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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?

Get up to ₹1 Crore in 5 Simple Steps

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.

Adani Capital Business Loan Highlights

Interest Rate As per the applicant's credit profile
LTV Ratio Up to 90%
Tenure Up to 15 years

Note: Rates as of 11th November 2024

Adani Capital Business Loan Interest Rates

Adani Capital has not disclosed its business loan interest rates. However, the differential interest rates would depend on the credit profile of the applicant, nature of the business, loan facility availed by the applicant and the type of collateral/security pledged by the borrower.

Types of Adani Capital Business Loans

MSME Secured Business Loan

Purpose: Adani Capital offers MSME Secured Business Loans to micro, small and medium enterprises to meet their business requirements.

Loan Amount: Rs 3 lakh- Rs 50 lakh

Tenure: 2 years-15 years

Farm Equipment Loan (Tractor Loan)

Purpose: Adani Capital offers Farm Equipment Loans to individual farmers who are owners of agriculture land and are involved in livestock and/or agricultural activities. It also offers Farm Equipment Loans to individuals who may not be owners of agriculture land and might use the equipment for hiring purposes.

LTV Ratio: Up to 90%

Tenure:

New Tractor- Up to 6 years

Used Tractor- Up to 4 years

Commercial Vehicle Loan

Three-wheelers Loan

Purpose: Three-wheeler loan is offered for purchasing three wheelers commercial vehicles.

LTV Ratio: Up to 85%

Tenure: Up to 4 years

Small Commercial Vehicle Loan

Purpose: Small Commercial Vehicle Loans are offered to individuals and businesses for purchasing commercial vehicles weighing less than 5 tonnes GVW.

LTV Ratio: Up to 90%

Tenure: Up to 4 years

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Supply Chain Finance

Dealer and Distributor Finance

Purpose: Dealer and distributor finance is offered to distributors and dealers through revolving short-term loans. This finance facility is secured against the purchases made by the dealers and distributors from their manufacturers. Thus, the dealers and distributors have access to additional working capital, which in turn enhances business growth and increases distribution penetration of the manufacturer.

Vendor Finance

Purpose: Vendor finance is a short-term working capital loan offered against invoice, purchase order or work order.

Eligibility for availing Adani Capital Business Loans

MSME Secured Business Loans

  • Minimum age of the applicant should be 21 years at the time of loan application and 65 years at the time of loan maturity.
  • Applicant should have been in business for at least 3 years.
  • Minimum declared annual sales turnover should be Rs 12 lakh for services, Rs 15 lakh for manufacturing and Rs18 lakh for trading to avail loan.

Farm Equipment Loan (Tractor Loan)

  • Minimum age of the applicant at the time of loan application should be 18 years and 60 years at the end of loan tenure.
  • Applicant should have an income proof supporting loan repayment and should have minimum land holding of 2 acres based on crops cultivated.

Supply Chain Finance

  • Any dealer or distributor working with an anchor for at least an year is eligible for Supply Chain Finance

Documents Required for Adani Capital Business Loan

MSME Secured Business Loans

  • ID Proof- Aadhar Card
  • Address Proof/Age Proof- Aadhar Card, PAN card, Voter ID, Passport, Ration Card, Driving License, Utility Bill
  • KYC- Aadhar Card, PAN card (mandatory)
  • Ownership proof- Business and Residence
  • Business Proof- Shop Act, VAT certificate, Udyog Aadhar, SSI certificate or any other government issued document
  • Income documents such as bank statement, ITR, balance sheet and P&L

Farm Equipment Loan (Tractor Loan)

  • Proof of agri land7/12 or utara
  • KYC- Aadhar Card, PAN card, Voter ID, Passport, Ration Card, Driving License, Utility Bill
  • ITR for last 1 year and 3 month bank statement
  • Driving license for 3 years

Commercial Vehicles

  • KYC Documents
  • Income Tax Returns
  • Property Proof
  • Bank Statements
  • Copy of driving license of the driver
  • Repayment Track Record
  • Residence stability proof
  • For small commercial vehicle loans- business registration certificate, bank statement for 6 months with an outflow of at least 30,000 per month, TDS certificates

Supply Chain Finance

  • Bank statement of the operative business account
  • Brief business profile of the organization with business projection
  • Audited financials

How Can I Apply for a Business Loan Online?

Get up to ₹1 Crore in 5 Simple Steps

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.

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