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Capri MSME Loans

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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.

Capri Global MSME Loan Highlights

Interest Rate 13%-19.50% p.a.
Loan Amount Rs 5 lakh- Rs 50 lakh
Tenure Up to 15 years
Collateral Residential, commercial and industrial properties
Processing Fee Up to 2.5% of loan amount

Rates as of 16th October 2024

Capri Global MSME Loan Interest Rates

Capri Global Capital Limited offers Capri MSME Loans for interest rates of up to 19.50% p.a. The lender offers MSME loans on both floating and semi-fixed interest rates which are fixed for the first three years. The business loan interest rates depend upon the borrower’s credit profile and the type of collateral pledged for availing business loan.

Loan Type Interest Rates (p.a.)
Capri MSME Loans Up to 19.50%
Capri Wishwas Loans 13.00%-19.50%

Capri Global MSME Loan Fees and Charges

For Capri MSME Loans

Particulars Charges
Application Fees Up to Rs 50 lakh- Rs 3,500
Above Rs 50 lakh- Rs 4,720
Processing Fee Up to 2.5% of loan amount
CERSAI Charges Loan amount <= Rs 5 lakh- Rs 50
Loan amount > Rs 5 lakh- Rs 100
Valuation charges Rs 2,000
Legal opinion charges per collateral Rs 3,000
Documents Verification Charges Rs 750
Document Handling Charges 0.1% of loan amount
Income Estimation Charges Rs 1,750
Loan Cancellation Charges Rs 5,000
Loan Rebooking Charges Rs 2,500
PDC/ECS/NACH Dishonor Charges Rs 750 per instance
Repayment Swapping Charges Rs 500
Collection Charges Rs 350 per visit
Duplicate No dues certificate Rs 500
Document Retrieval Charges Rs 500 per instance
Foreclosure Charges Rs 500
Conversion Charges/Switch Fees/Retention Fees Rs 500 for each Rs 1 lakh of loan amount

For Capri Wishwas Loans

Particulars Charges
Application Fees Up to Rs 3,500
Processing Fees Up to Rs 10 lakh- 2%
Above Rs 10 lakh-Rs 40 lakh- 1.75%
Above Rs 40 lakh- 1.50%
For Sahaj Loans- 2.5%
CERSAI Charges Loan amount less than Rs 5 lakh- Rs 50
Loan amount above Rs 5 lakh- Rs 100
Valuation charges Rs 2,000
Legal Handling Charges (only in balance transfer/resale loans) Rs 1,500
Document Verification Charges Rs 750
Document Handling Charges 0.1% of loan amount
Income Estimation Charges Rs 1,750
Legal opinion charges per collateral Rs 3,000
Subsequent Valuation Charges (only in case of construction) Rs 500
PDC/ECS/NACH Dishonour Charges Rs 750
Loan Cancellation Charges Rs 5,000
Loan Rebooking Charges Rs 2,500
Default/late payment charges 36% p.a. of outstanding dues
Repayment swapping charges Rs 500
Foreclosure and any type of statement charges Rs 500
ROI conversion charges/retention fees/switch fees Rs 500 for each Rs 1 lakh of loan amount

Prepayment Charges-

For Fixed rate tenure of Semi-fixed rate Loans Lock-in period is 12 months from the date of disbursal
Prepayment Charges-
5% from 13th to 24th month from the date of last disbursal
3% from 25th month from the date of last disbursal
For floating rates or floating rate tenure of semi-fixed rate loans For Individuals with loan sanctioned for purposes other than business- NIL
For Non-individuals/Individuals with loan sanctioned for business purposes-
Prepayment Charges- 5% from 1st to 24th month from the date of disbursal
Prepayment Charges- 3% from 25th month from the date of disbursal

Types of Capri MSME Loans

Capri MSME Loans

Purpose: Capri MSME loans are offered to individuals owning small businesses like provision store owners, handicraft manufacturers, retail outlet owners and individuals involved in education, healthcare and transportation sectors for starting or expanding their current businesses.

Loan Amount: Rs 5 lakh-Rs 50 lakh

Tenure: Rs 15 years

Processing Fee: Up to 2.5% of loan amount

Collateral: Residential, industrial or commercial properties

Capri Wishwas Loans

Purpose: Capri Wishwas Loans are small business loans offered to women entrepreneurs for financing their business requirements. This MSME loan scheme comes with EMI waivers, i.e., 3 EMIs waived off at the end of 3rd year, 5 EMIs waived off at the end of 5th year, and 10 EMIs waived off at the end of 10th year.

Loan Amount: Up to Rs 40 lakh

Tenure: 18 months-10 years

Collateral: Residential or commercial properties

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Eligibility Criteria for Availing Capri MSME Loans

Following individuals are eligible for Capri MSME Loans:

  • Provisional store owns
  • Retail outlet owners
  • Handicraft manufacturers
  • Individuals providing necessary services like education, healthcare, transportation

Documents Required for Availing Capri MSME Loans

For Individuals:

  • Application form
  • KYC Documents- ID Proof, Address Proof
  • PAN card
  • Age Proof
  • Passport size photo
  • Aadhaar card

For Non-Individuals:

  • Application form
  • Passport size photo
  • PAN card
  • Latest list of directors and share holding pattern of company certified by CA
  • Partnership deed/MOA/AOA/HUF deed for partnership firms/Limited companies/HUF
  • Registration certificate for VAT/Service tax/Sales tax/Shop establishment/Excise/GST

Income Proof:

For Salaried-

  • Latest Form 16
  • Salary slip for last 2 months/salary certificate with deductions
  • Bank statement for last 6 months

For Self-employed-

  • Latest ITR with computation for 1 year/2 year
  • Latest audit report, Form 3CD/3CB for 2 years
  • Latest P&L account, balance sheet, along with all schedules for last 2 years
  • Last 6 month banking statement of all savings account, current account, OD/CC account

Property Documents:

  • House tax receipt/mutation order
  • All agreements/title deeds/approved plan
  • Payment receipt/demand letter
  • Allotment letter/share certificates/possession letter

Other Documents:

  • Rent agreement/bank statement with rent credit reflection
  • Agricultural land ownership proof
  • Sanction letter/Foreclosure statement/List of documents
  • Loan account statement of last 12 months (Balance Transfer Loans)
  • Investment proofs like FD receipts/Mutual fund statement

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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