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Religare Business Loan

Religare Finvest Limited (RFL) was established as a subsidiary of Religare Enterprises Ltd. (REL) to offer funding to Small and Medium Enterprises (SMEs). Religare Finvest operates via its wide network of 25 branches across all major cities in India. Religare specialises in providing a variety of business loans to meet the requirements of SMEs at an affordable interest rate of 15% p.a. onwards with flexible repayment options. Further discussed are types of working capital loans offered by Religare Finvest Ltd.
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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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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

Types of Working Capital Loans

Religare SME Working Capital Loans
Loan Type/Category SME Unsecured Working Capital Loans SME Secured Working Capital Loans - Educational Institute Financing
Interest Rate 15% onwards 15% onwards
Loan Amount Up to Rs. 40 lakh Min. 10 lakh & Max. 300 lakh
Repayment Tenure Up to 36 months Up to 84 months
Collateral Required No Yes

Note: The mentioned interest rates, fees and charges are subject to change and depend on the sole discretion of the bank and RBI. GST and service tax shall be levied extra on the mentioned charges.

Religare SME Working Capital Loans can be availed by entities that include societies, trusts, and companies with minimum 10 years of existence. A School can apply for this loan only if they are established for 7 years or more.

Religare's Secured SME Business Expansion Loans
Interest Rate As per business requirements
Loan Amount Max. up to Rs. 25 crore
Repayment Tenure 10 years
Dedicated relationship manager Available
Business Existence Min. 3 years
Collateral Residential, commercial and industrial properties
Loan-to-Value (LTV) ratio As per Religare's discretion

Note: The mentioned interest rates, fees and charges are subject to change and depend on the sole discretion of the bank and RBI. GST and service tax shall be levied extra on the mentioned charges

Secured SME Business Expansion Loans can be availed by retailers, exporters, importers, manufacturers, wholesalers, service industry professionals, etc. SMEs with minimum existence tenure of 3 years can apply for Secured SME Loans and can use loan amount only for debt consolidation and business expansion purposes.

Religare's Short Term Trade Finance
Interest Rate Charged on availed amount
Loan Amount - Existing Customers Secured: Rs. 25 crore and unsecured Rs. 75 lakh
Loan Amount - New Customers Secured: Rs. 3 crore and unsecured Rs. 40 lakh
Repayment Tenure 90 days
Minimum Turnover Rs. 5 crore

Note: The mentioned interest rates, fees and charges are subject to change and depend on the sole discretion of the bank and RBI. GST and service tax shall be levied extra on the mentioned charges

Also Read: Loan for Business Without Security in India

Documents Required

  • Application form with colour photograph
  • Identity Proof
  • Address Proof
  • Age Proof
  • Income Proof
  • Audited financials
  • ITR and balance sheet
  • Trading and P&L accounts
  • Bank statements
  • GST returns/VAT/Service tax, as applicable

Fees & Charges and Interest Rate Options

Fees and Charges
Processing Fee Up to 2% of the loan amount + taxes
Prepayment Charges Nil
Foreclosure Charges Nil
PDC/ECS bounce charges Rs. 500 per instance
Swap charges Rs. 1000 per swap
Issuance of Duplicate Income tax Certificate Rs. 500
Penal Interest 3% p.m. on EMI overdue
Loan cancellation charges Rs. 5000 + Interest rate on loan tenure (availed)
Statement of Account Rs. 500
Document Retrieval Rs. 1000
Refund of Processing Fee Post Sanction: Nil Pre Sanction: Fee paid minus Rs. 10,000 (Administrative charges)

Note: GST or taxes shall be applicable extra on the mentioned fees and charges.

Interest Rate Options
Floating Rate of Interest Fixed Rate of Interest
SME Equipment Finance, SME- Mortgages and SME - EDI SME-Loan against Marketable Securities, SME-Unsecured WC and SME- Commercial Assets

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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

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FAQs

What is the business loan interest rate offered by Religare Finvest?

The interest rate offered by Religare Finvest starts from 15% and exceeds up to 30% per annum.

What is the loan amount offered by Religare Finvest Ltd.?

The minimum loan amount offered is Rs. 10 lakh and maximum is Rs. 25 crore.

Can I pre-pay the loan amount anytime during the loan tenure?

Yes, you can pre-pay the loan by fulfilling the pre-payment conditions.

What is the repayment tenure of the loans offered by Religare Finvest?

The minimum loan repayment period is 12 months and can exceed up to 120 months.

What all entities can apply for Religare Finvest Business Loan or SME Working Capital Loan?

The loans can be availed by Limited Companies, Partnership Firms, Self-employed Professionals, Private Limited Companies and Proprietorship Firms.

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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

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Priya ShawDec 30, 2025

Chote business ke liye bhi loan mila

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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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