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Credit Saison India Business Loan

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15.6L Reviews

5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
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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%
Why Choose Paisabazaar?
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Choose from 20+ Partner Banks/NBFCs

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Pick from Secured & Unsecured Options

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Get Working Capital & Top-Up Loan Solutions

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Flexible Tenure of Up to 4 years

How Can I Apply for a Business Loan Online?

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.

Apply Now

Credit Saison India Business Loan Highlights

Interest Rate 13% p.a. onwards
Loan Amount Up to Rs 75 lakh
Tenure 1 year to 5 years
Processing Fees (for small business loans) Up to 3% of the loan amount + GST
Collateral No collateral required

Business Loan Interest Rates

The interest rate of business loans starts from 13% p.a. for doctors and 16% p.a. for self-employed non-professionals. Stated below are the business loan interest rates for different loan schemes:-

Business Loan Schemes Interest Rates (p.a.)
Unsecured Business Loans 16% p.a. onwards
Small Business Loans 22% p.a. onwards
Vyapari Loans 20% p.a. onwards
Doctors Loans 13% p.a. onwards

Business Loans Fees & Charges

Particulars Types of Charges
Processing Fees (for small business loans) Up to 3% of the loan amount + GST
Bounce Charges Rs 500 for every dishonored cheque or payment instrument
Documentation Charges Rs 499 + GST
Instrument Swap Charges Rs 1,000 + GST
Penal Charges 3% per month on the overdue amount, proportionate to the delayed days + GST

Foreclosure Charges

Number of Instalments Completed Charges
Up to 12 months 6% of the outstanding principal amount + GST
13 to 24 months 4% of the outstanding principal amount + GST
Above 25 months 3% of the outstanding principal amount + GST

Types of Business Loans Offered by Credit Saison India

Credit Saison India offers unsecured business loans and small business loans for business expansion, operational expenses, upgrading technology and for other business requirements. The NBFC claims to approve business loans within 48 hours of application. The lender also offers collateral-free business loans, branded as Vyapari Loans, to shopkeepers and small merchants to empower local businesses.

Unsecured Business Loans

  • Purpose: Credit Saison offers unsecured business loans, i.e., without any collateral or security, for all business needs.
  • Loan Amount: Up to Rs 75 lakh.
  • Tenure: 1 year to 5 years

Small Business Loans

  • Purpose: Prospective business loan borrowers can avail small business loans for tech upgrade, elevate sales and cover operational expenses.
  • Loan Amount: Up to Rs 15 lakh.
  • Tenure: 1 year to 3 years

Vyapari Loans

  • Purpose: Vyapari Loans is an unsecured business loan scheme for shopkeepers and small merchants in India. The eligible applicants can use funds to expand their business, manage their working capital requirements and meet other business needs.
  • Loan Amount: Up to Rs 20 lakh.
  • Tenure: 1 year to 3 years
  • Quick Turnaround: The NBFC claims to offer a quick turnaround, with business loan disbursal in just 2 days.

Doctors Loan

  • Purpose: Licensed medical practitioners, including Doctors of Osteopathy (DO), dentists (DDS or DMD), Doctors of Medicine (MD) and other recognized medical professionals can avail doctor loans to start or expand a practice, purchase medical equipment, manage working capital and other professional expenses.
  • Tenure: 1 year to 5 years
  • Quick Turnaround: The NBFC claims to offer a quick turnaround, with business loan disbursal in just 2 days.

How to Apply for a Business Loan via Paisabazaar

Credit Saison India has partnered with Paisabazaar for business loans . Whether you’re looking for business expansion or working capital needs, Paisabazaar lets you apply for business loans from Credit Saison alongside offers from multiple lenders - all in one place.

Here’s how you can get started:

  • Enter your mobile number to get started
  • Verify your mobile number with OTP
  • Fill in your personal details
  • Select a bank account for account aggregator consent
  • Compare offers and apply the best-suited offer

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Eligibility Criteria for Business Loans

Stated below are the business loan eligibility criteria for unsecured and small business loans:-

For Unsecured Business Loans

  • Age: 23 to 60 years
  • Business Type: Should be profitable with future growth potential
  • Business Vintage: Minimum 3 years of operation
  • Annual Turnover: Minimum Rs 25 lakh
  • CIBIL Score: 650 and above

For Small Business Loans

  • Age: 23 to 60 years
  • Business Vintage: Minimum 3 years of operation
  • Annual Turnover: Minimum Rs 25 lakh
  • CIBIL Score: 650 and above

For Vyapari Loans

  • Age: 23 to 60 years
  • Annual Turnover: Minimum Rs 25 lakh
  • CIBIL Score: 650 and above

For Doctors Loans

  • Age: 25 to 60 years
  • Annual Gross Recepit: Minimum Rs 10 lakh
  • CIBIL Score: 700 and above

Documents Required for Availing Business Loans

The following business loan documents are required to submit a loan application:-

  • Identity Proof: Aadhaar Card, Passport, Voter ID, Driving License
  • Residence Proof: Passport, Aadhaar Card, Driving License, Trade License,
  • Income Proof: Last 6-12 months Bank Statement, Certified Copies, GST Returns
  • Business Proof:
    • For self-employed non-professionals: Udyam Certificate, GST Registration Certificate, Trade License
    • For self-employed professionals: Medical Council Registration Certificate, Degree Certificate

How Can I Apply for a Business Loan Online?

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.

Apply Now

Explore Our Business Loan Lenders

HDFC BANKHDFC BANKAxis BankAxis BankICICI BankICICI BankIDFC First BankIDFC First BankKotak bankKotak bankTata CapitalTata Capital
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FAQs

Can startups apply for business loans?

Startups can also avail business loans from Credit Saison India, subject to the eligibility criteria.

Is Credit Saison India approved by the RBI?

Credit Saison India is the trade name of Kisetsu Saison Finance (India) Private Limited, a NBFC registered with the RBI.

What is the minimum credit score for a business loan?

The minimum credit score required for availing business loans from Credit Saison India is 650.

Who is eligible for the Credit Saison India Business Loan?

Shopkeepers, small business owners and medical professionals who meet the eligibility criteria can apply for business loans.

What are the pre-closure/foreclosure charges for business loans?

Credit Saison India levies foreclosure for business loans of up to 6% of the outstanding principal amount + GST, depending on the number of instalments completed.

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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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