At Shrinath Consultancy and Sales Pvt. Ltd., we believe in building trust through transparency, performance, and expert financial guidance. Founded in 2020 and headquartered in Udaipur, Rajasthan, we specialize in providing consultancy and support services related to financial intermediation, business development, and strategic sales solutions.
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Business Loan
Empower Your Business Growth
At Shrinath Sales, we understand that every business — big or small — needs the right financial support to grow, expand, or stabilize operations. Our Business Loans are designed to provide fast, flexible, and affordable funding that helps entrepreneurs like you achieve your goals without compromising on your business plans.
Punjab National Bank
- Interest Rate :15% - 25%
- Loan Amount :₹50K - ₹10Cr
- EMI Per Lakh :₹2,379 - ₹2,935
- Processing Fees :Up to Rs.300/- per lakh or part thereof
Bank of Baroda
- Interest Rate :7.25% - 13.5%
- Loan Amount: ₹5L - ₹1Cr
- EMI Per Lakh :₹1,992 - ₹2,301
- Processing Fees :Up to 3% of the loan amount
State Bank of India
- Interest Rate :9.1% - 11.55%
- Loan Amount :₹10L - ₹50Cr
- EMI Per Lakh :₹2,081 - ₹2,202
- Processing Fees :Flat Rs 10,000
Bank of India
- Interest Rate :10.2% - 12.95%
- Loan Amount :₹5L - ₹5Cr
- EMI Per Lakh :₹2,135 - ₹2,273
- Processing Fees :Starting from ₹500 – 10,000
Union Bank of India
- Interest Rate :9.55% - 12.1%
- Loan Amount :Up to ₹15L
- EMI Per Lakh :₹2,103 - ₹2,230
- Processing Fees :Up to 1% (Maximum Rs 7,500)
Canara Bank
- Interest Rate :9.5% - 11.55%
- Loan Amount :₹50K - ₹20Cr
- EMI Per Lakh :₹2,100 - ₹2,202
- Processing Fees :Up to 75% of applicable charges
Kotak Bank
- Interest Rate: 16% - 28%
- Loan Amount: ₹3L - ₹1Cr
- EMI Per Lakh:₹2,432 - ₹3,114
- Processing Fees :Up to 2%
HSBC Business Loan
- Interest Rate: 14%
- Loan Amount: Up to ₹75L
- EMI Per Lakh: ₹2,327
- Processing Fees: Up to 1% of the loan amount or Rs 10,000, whichever is higher
RBL Bank Business Loan
- Interest Rate: 14% - 26%
- Loan Amount: ₹10L - ₹50L
- EMI Per Lakh: ₹2,327 - ₹2,994
CITI Bank Business Loan
- Interest Rate: 12% - 18%
- Loan Amount: ₹1L - ₹30L
- EMI Per Lakh: ₹2,224 - ₹2,539
- Processing Fees: Up to 2% of the sanctioned loan amount
Axis Bank Business Loan
- Interest Rate: 10.75% - 25%
- Loan Amount: ₹50K - ₹10Cr
- EMI Per Lakh: ₹2,162 - ₹2,935
- Processing Fees :Upto 2.00% + Taxes applicable
HDFC Sales Business Loan
- nterest Rate: 10.75% - 22.5%
- Loan Amount: Up to ₹40L
- EMI Per Lakh: ₹2,162 - ₹2,790
- Processing Fees: For availing fresh business loan: Up to 2% plus GST
UGRO Capital Business Loan
- Interest Rate: 9% - 36%
- Loan Amount: Up to ₹5Cr
- EMI Per Lakh: ₹2,076 - ₹3,613
- Processing Fees: Up to 4% of loan amount sanctioned
Deutsche Bank
- Interest Rate: 16% - 19%
- Loan Amount: ₹10L - ₹50L
- EMI Per Lakh: ₹2,432 - ₹2,594
- Processing Fees: 3% of the disbursed loan amount
IndusInd Bank
- nterest Rate: 15.99%
- Loan Amount: ₹30L - ₹1Cr
- EMI Per Lakh :₹2,431
- Processing Fees :Up to 2% of the loan amount
IDFC FIRST Bank
- Interest Rate: 14%
- Loan Amount: ₹7L - ₹1Cr
- EMI Per Lakh: ₹2,327
- Processing Fees: Up to 3.5%
ICICI Bank Business Loan
- Interest Rate: 13.25% - 19.5%
- Loan Amount: ₹1L - ₹40L
- EMI Per Lakh: ₹2,288 - ₹2,622
- Processing Fees: Up to 2% (plus applicable taxes) of the facility amount
Federal Bank Business Loan
- Interest Rate:11.1% - 17.95%
- Loan Amount: ₹1L - ₹2Cr
- EMI Per Lakh: ₹2,179 - ₹2,537
- Processing Fees: Up to 3% of the loan amount
HDFC Bank Business Loan
- Interest Rate :10.75% - 22.5%
- Loan Amount: ₹50K - ₹50L
- EMI Per Lakh: ₹2,162 - ₹2,790
DCB Bank Business Loan
- Interest Rate: 9.95% - 19.5%
- Loan Amount: ₹2L - ₹30L
- EMI Per Lakh: ₹2,122 - ₹2,622
- Processing Fees: Up to 2% of loan amount or ₹ 5,000 (whichever is higher)
IDBI Bank Business Loan
- Interest Rate: 8.05% - 13.45%
- Loan Amount: ₹50K - ₹5Cr
- EMI Per Lakh: ₹2,030 - ₹2,298
- Processing Fees: Up to 3% of loan amount
Tata Capital Financial Services LTD
- Interest Rate: 12.5% - 26%
- Loan Amount: ₹40K - ₹90L
- EMI Per Lakh: ₹2,250 - ₹2,994
- Processing Fees: Up to 2.5% of the loan amount plus GST
Digikredit-SME Corner
- Interest Rate: 19%
- Loan Amount: ₹50K - ₹25L
- EMI Per Lakh: ₹2,594
- Processing Fees: Up to 3% of the loan amount
Tata Capital Housing Finance
- Interest Rate: 19%
- Loan Amount: ₹5L - ₹75L
- EMI Per Lakh: ₹2,594
- Processing Fees: Up to 2.75% of the loan amount plus GST
FT Cash Business Loan
- Interest Rate: 18%
- Loan Amount: ₹1L - ₹50L
- EMI Per Lakh: ₹2,539
- Processing Fees: Up to 2%
DHFL Business Loan
- Interest Rate: 17%
- Loan Amount: ₹5L - ₹30L
- EMI Per Lakh: ₹2,485
- Processing Fees: 2% plus the applicable GST
Piramal Finance
- Interest Rate: 16% - 25%
- Loan Amount: ₹5L - ₹30L
- EMI Per Lakh: ₹2,432 - ₹2,935
- Processing Fees: Up to 5% of the sanctioned loan amount + applicable taxes
NeoGrowth Business Loan
- Interest Rate: 15% - 40%
- Loan Amount: ₹1L - ₹75L
- EMI Per Lakh: ₹2,379 - ₹3,875
- Processing Fees: Up to 5%
Bajaj Finserv Business Loan
- Interest Rate: 14% - 26%
- Loan Amount: ₹25K - ₹45L
- EMI Per Lakh: ₹2,327 - ₹2,994
INTELLEGROW
- Interest Rate: 14% - 24%
- Loan Amount: ₹15L - ₹50L
- EMI Per Lakh: ₹2,327 - ₹2,877
- Processing Fees: Up to 3%
Capri Global Business Loan
- Interest Rate: 13.5% - 19.5%
- Loan Amount: ₹5L - ₹50L
- EMI Per Lakh: ₹2,301 - ₹2,622
- Processing Fees: Up to 2.5% of the sanctioned loan amount
Shriram Urban Co Operative Bank Limited
- Interest Rate: 10% - 42%
- Loan Amount: ₹1L - ₹1Cr
- EMI Per Lakh: ₹2,125 - ₹4,009
- Processing Fees: Less than 2% of the loan amount
INDIFI Business Loan
- Interest Rate: 9.4% - 13%
- Loan Amount: ₹50K - ₹1Cr
- EMI Per Lakh: ₹2,095 - ₹2,275
Muthoot Finance Ltd Business Loan
- Interest Rate: 9% - 12%
- Loan Amount: ₹25L - ₹5Cr
- EMI Per Lakh: ₹2,076 - ₹2,224
- Processing Fees: 2% of the amount disbursed
Clix Capital Business Loan
- Interest Rate: Up to 46%
- Loan Amount: ₹5L - ₹7.5Cr
- EMI Per Lakh: ₹4,281
- Processing Fees: Up to 3% of the sanctioned loan amount
Loantap Credit Products Private Limited
- Interest Rate: 19.99% - 26%
- Loan Amount: ₹50K - ₹10L
- EMI Per Lakh: ₹2,649 - ₹2,994
- Processing Fees: Up to 3% of loan amount
Aditya Birla Finance Limited
- Interest Rate: 18% - 24%
- Loan Amount: ₹50K - ₹1Cr
- EMI Per Lakh: ₹2,539 - ₹2,877
- Processing Fees: Up to 2% of the loan amount
Edelweiss Financial Services
- Interest Rate: 18% - 28%
- Loan Amount: ₹3.5L - ₹25Cr
- EMI Per Lakh: ₹2,539 - ₹3,114
- Processing Fees: Upto 3% of the loan amount + GST
SMFG India Credit Company Ltd
- Interest Rate: 17% - 21%
- Loan Amount: ₹1L - ₹75L
- EMI Per Lakh: ₹2,485 - ₹2,705
- Processing Fees: Up to 6.5% p.a. of the loan amount
Capital First Ltd
- Interest Rate: 16% - 24%
- Loan Amount: Up to ₹40Cr
- EMI Per Lakh: ₹2,432 - ₹2,877
- Processing Fees: Up to 1.99%
L&T Finance Business Loan
- Interest Rate: 15.5% - 24%
- Loan Amount: Up to ₹75L
- EMI Per Lakh: ₹2,405 - ₹2,877
- Processing Fees: Up to 3% on sanctioned amount + applicable taxes
Lending Kart-Nbfc Business Loan
- Interest Rate: 15%
- Loan Amount: ₹50K - ₹2Cr
- EMI Per Lakh: ₹2,379
- Processing Fees: From 2%-5% of loan amount
Hero FinCorp Business Loan
- Interest Rate: 14% - 30%
- Loan AmountL : ₹5L - ₹50L
- EMI Per Lakh: ₹2,327 - ₹3,235
- Processing Fees: Up to 2%
IndiaBulls Business Loan
- Interest Rate: 13.99%
- Loan Amount: ₹5L - ₹25L
- EMI Per Lakh: ₹2,326
Ujjivan Small Finance Bank Business Loan
- Interest Rate: 13% - 19%
- Loan Amount: ₹5K - ₹10Cr
- EMI Per Lakh: ₹2,275 - ₹2,594
- Processing Fees: Up to 2.50% of the loan amount + GST
Arka Fincap Limited Business Loan
- Interest Rate :10% - 36%
- Loan Amount: ₹10L - ₹50L
- EMI Per Lakh: ₹2,125 - ₹3,613
- Processing Fees :Starting From 3%
Poonawalla Fincorp Limited
- Interest Rate: 9% - 15%
- Loan Amount: ₹5L - ₹7.5Cr
- EMI Per Lakh: ₹2,076 - ₹2,379
- Processing Fees: Upto 3.5% of Loan Amount.
IIFL Finance Business Loan
- Interest Rate: Up to 36%
- Loan Amount: ₹1L - ₹50L
- EMI Per Lakh: ₹3,613
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Features & Benefits of Our Business Loan
At Shrinath Sales, we know that access to quick and flexible financing can make all the difference in your business journey. Our Business Loans are designed to meet every business need — from working capital to expansion — with minimal effort and maximum convenience.
High Loan Amount Eligibility
Get loans up to ₹50 lakhs (or higher, based on eligibility) to manage operations, buy equipment, or expand your business.Attractive Interest Rates
Enjoy competitive rates starting from 10.25% p.a., tailored to your credit profile and business performance.Flexible Repayment Tenure
Repay comfortably over 12 to 60 months with EMIs designed to fit your cash flow.Collateral-Free Loans
Many of our partner lenders offer unsecured business loans, so you can grow without pledging assets.Fast & 100% Digital Processing
Complete your entire loan journey online — from application to approval — with minimal paperwork.Balance Transfer Facility
Already paying a higher interest rate? Easily transfer your existing business loan to a lender offering better terms.Top-Up Loan Option
Need more funds? Get an additional top-up loan quickly without going through a fresh application.Customized Loan Solutions
Choose from different loan types — Working Capital, Machinery, MSME, or Startup Loans — to suit your business goals.Quick Approval & Disbursal
With simplified eligibility and digital verification, get your loan approved within 24–48 hours*.No Hidden Charges
Transparent fee structure — every cost is disclosed before approval, so you always know what you’re paying for.
Benefits of Choosing Shrinath Sales
- Empowering MSMEs & Entrepreneurs – Designed for startups, traders, and growing enterprises.
- Instant Online Application – Apply anytime, anywhere with just a few clicks.
- Boost Working Capital Effortlessly – Manage inventory, payroll, and cash flow without stress.
- Improve Creditworthiness – Timely repayment strengthens your business credit score.
- Expert Loan Assistance – Get guided support from our loan specialists at every stage.
- Flexible End Use – Use funds for expansion, renovation, marketing, or any legitimate business purpose.
Business Loan Fees & Charges
1. Processing Fee
A one-time charge levied for reviewing, verifying, and processing your business loan application.
Amount: Typically 1% to 2% of the loan amount (plus applicable taxes).
2. Prepayment / Foreclosure Charges
If you decide to repay your loan before the end of the tenure.
Amount: Usually 2% to 4% of the outstanding principal.
3. Part-Payment Charges
If you make a partial prepayment to reduce your loan balance.
Amount: May range between 0% to 2% of the prepaid amount.
4. Late Payment / EMI Bounce Charges
Applied when an EMI is missed or your payment bounces due to insufficient balance.
Amount: ₹500 to ₹1,000 per instance + GST (varies by lender).
6. Loan Conversion / Restructuring Fee
Charged when you request a change in loan structure, such as tenure or rate type (fixed to floating).
Amount: 0.25% – 0.5% of the outstanding principal (if applicable).
7. Statement / Certificate Reissuance Fee
If you need duplicate loan account statements, interest certificates, or NOC copies.
Amount: ₹200 – ₹500 per document (varies by lender).
8. GST and Statutory Taxes
All applicable fees attract GST and other government levies as per current regulations.
Required Documents
When applying for a home loan, submitting the correct documents helps ensure a smooth and fast approval. Here’s a complete checklist of what you’ll need — whether you’re salaried, self-employed, or an NRI applicant.
For Individuals / Proprietors
PAN Card, Aadhaar Card
Business Proof – GST registration, Udyam certificate, or Shop Act license
Bank Statements (last 6–12 months)
Income Tax Returns (last 2–3 years)
Proof of business address
Recent passport-size photograph
For Companies / Partnerships
Company PAN Card
Partnership Deed / MOA / AOA / Certificate of Incorporation
Audited financial statements (last 2 years)
Business and partner KYC documents
GST returns and business address proof
FAQs
Business Loan
- What is the minimum turnover required for a business loan?
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Most lenders require a minimum annual turnover of ₹10–20 lakhs, depending on the loan amount.
- Can I get a business loan without collateral?
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Yes. Many banks and NBFCs offer unsecured business loans based on your credit score and business performance.
- What is the maximum tenure available?
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The tenure ranges from 12 months to 60 months depending on loan type and profile.
- Can I apply online?
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Absolutely! You can complete the entire process online with digital verification and instant approval.
