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Grow with your business

Chase your startup dreams without thinking twice

Interest Rate

14% onwards

Processing Fee

Upto 2% of loan amount

TENURE

1 year - 3  years

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ELIGIBILITY

  • Indian National
  • Self Employed
  • Annual income criteria as per Aditya Birla policy
  • Business should be stable from last 1 year

DOCUMENTS REQUIRED

  • Duly signed Application form
  • KYC Documents
  • Bank Statement for last 1 year
  • Audited Financial documents and ITR for last 2 years
  • Business Continuity Proof

PRECLOSURE + OTHER CHARGES

  • Preclosure allowed after 6 months from 1st EMI
  • Nominal foreclosure charges
Interest Rate

24%

Processing Fee

Up to 3% of loan amount

TENURE

1 year - 3 years

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ELIGIBILITY

  • Reserve Bank of India's definition of Micro/Small enterprises must be met by the applicant
  • Purpose of the loan should be Business expansion,purchase of machinery/equipments or working capital
  • The business should have completed minimum 3 years in the same line of business in the same city
  • All applicants must submit audited financial statements which include profit and loss Account, balance sheet and tax Audit report for the last two financial years
  • Bank statement required from applicant's main bankers for 6 months

DOCUMENTS REQUIRED

  • Identity proof (Aadhaar card/ Photo PAN card)
  • Address proof (Voter's ID/ Driving license)
  • Proof of signature (Valid passport/ Banker's certificate)
  • Proof of age (Valid passport/Voters id card)

PRECLOSURE + OTHER CHARGES

  • No Preclosure Charges
  • Preclosure is allowed only after 9 months from the date of disbursal
  • Credit maintenance fee: 1% of the loan amount disbursed
  • Portfolio service charges:1.5% of the loan amount disbursed
  • Charges for unsuccessful execution of Standing Instruction for payment / Cheque / ECS / NACH bounce charge: INR 500
Interest Rate

18% onwards

Processing Fee

Upto 3 % of loan amount

TENURE

Upto 5 years

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ELIGIBILITY

  • Self employed individuals, partnership and companies.
  • Age of applicant between 25-55 years of age.
  • Business should have been in working for last 3 years.
  • The ITR must have been filed for last 1 year along withaudited turnover report of the last year.

DOCUMENTS REQUIRED

  • Passport size photograph.
  • KYC Documents.
  • Business Proof- certificate of existence, Relevant Financial Document, Bank Account Statement of Last Month.

PRECLOSURE + OTHER CHARGES

  • Preclosure allowed only after 1st EMI is paid. Before that, only the oan can be cancelled.
  • There are no preclosure charges after 1st EMI is paid on floating rate of interest.
  • Part prepayment charges for individuals & non-individuals after 1st EMI is zero for loans with floating rate of interest.
  • For All borrowers with Fixed rate of interest, part prepayment charges are 2% plus applicable taxes of the amount paid.
Interest Rate

Customised

Processing Fee

2% of loan amount

TENURE

Upto 5 years

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ELIGIBILITY

  • Self employed individuals and Doctors are eligible for DHFL Business Loan
  • Follwowing entities: Proprietorships, partnerships, Limited liability partnerships, private limited company and Limited Company

DOCUMENTS REQUIRED

  • Proprietorship: KYC Document of promoter and co-applicant, PAN Card, VAT/sales tax registration/shops & Establishment certificates, Audited financial report, last 6 month bank statement of all the banks, Existing facility santion letter/repayment track record of existing loan (If any)
  • Partnership Firms:  Registered Partnership deed, KYC of partners, PAN of Firm and Partnes, VAT/sales tax registration/shops & Establishment certificates, Audited financial report, last 6 month bank statement of all the banks, Existing facility santion letter/repayment track record of existing loan (If any)
  • Companies:  Memorandum of Association(MOA)/ Article of Association(AOA), Latest shareholding Pattern, KYC of Directors, PAN Card of entity and Directors, Audited financial reportfor last 2 years, last 6 month bank statement of all the banks, Existing facility santion letter/repayment track record of existing loan (If any)

PRECLOSURE + OTHER CHARGES

  • No Foreclosure allowed within 6 months of the agreement date
  • 5% preclosure charges from 7 months to 24 months
  • 3% from 25 months to 36 months
  • 2% after 36 months of Agreement Date
Interest Rate

13% - 16%

Processing Fee

Up to 6.50% of loan amount

TENURE

1 year - 4 years

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ELIGIBILITY

  • Age of applicant should be greater than 27 years and less than 65 years at the time of maturity of loan
  • The Annual turnover should be between INR 10 lacs to INR 100 crores
  • Business should be running for minimum of 3 years and should have been profitable in last 2 years

DOCUMENTS REQUIRED

  • Application form with recent photograph
  • ID Proof, Address Proof & Age Proof
  • Bank statement/ passbook for last 6 months or 3 months salary slip + Form 16 + 3 years ITR + Processing fee cheque

PRECLOSURE + OTHER CHARGES

  • Foreclosure Charges of 4% within 0 months to 24 months of agreement date
  • Charges of 3% from 25 month onwards plus applicable taxes
Interest Rate

15.65% - 21.20%

Processing Fee

Upto 2.50% (Min: INR 2359 | Max: INR 88500)

TENURE

1 year - 4 years

APPLY NOW

ELIGIBILITY

  • Self employed individuals/ Proprietors/ Pvt Ltd Co. or Partnership firms in the business of Trading, Manufacturing or Services with applicant's age > 21 years and < 65 years at the time of maturity of loan. 
  • Self employed individuals having a min turover of 40Lacs
  • Should have been in the current business for 3 years and must have  a total experience of 5 years in business. The minimum turnover of the business should be INR 40 lacs
  • The aforementioned Business should have been making profit from last 2 years and must have filled a mIn. ITR of Rs 1.5Lacs per annum

DOCUMENTS REQUIRED

  • Application form along with PAN Card - For company/Firm/Individual
  • ID Proof & Address Proof documents along with Bank Statement of last 6 months
  • Latest ITR with CA certified computation of Income, Balance Sheet and Profit & Loss acoount for last 2 years
  • Proof of continuation of business (ITR/Trade license/ Establishment/ Sales Tax Certificate)
  • Other Mandatory Documents include Sole prop. Declaration or Certificate copy of Partnership Deed, Certified copy of Memorandum and Article of Association & Board resolution(Original)

PRECLOSURE + OTHER CHARGES

  • No foreclosure/part closure permitted till the first 6 EMIs are paid    
  • Charges from 7 months to 2 years - 4%
  • Charges from 25 months to  36 months - 3%
  • Charges for more than 36 months - 2%
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