Overview of Business Loan in Delhi

Business loans in Delhi offer flexible financing for startups, SMEs, and large enterprises to fund expansion, working capital, or equipment purchases. In 2025, banks and NBFCs in Delhi provide competitive interest rates, quick disbursal, and tailored loan products. Loanpao helps you compare lenders, check eligibility, and apply seamlessly for a business loan in Delhi.

Eligibility Criteria for Business Loan in Delhi

Criteria Details
Age 21 to 65 years
Residency Must be a resident of Delhi with valid address proof
Business Turnover Minimum ₹10 lakh per annum
Credit Score 650 or above preferred
Business Vintage Minimum 2 years of operation

Documents Required for Business Loan in Delhi

  • Identity Proof: Aadhaar Card, PAN Card, Voter ID, or Passport.
  • Address Proof: Utility bill, Aadhaar, or Rental Agreement (Delhi address).
  • Business Proof: GST registration, Shop Act License, or Udyam Registration.
  • Financial Documents: ITR (2 years), bank statements (6 months), or audited financials.
  • Photographs: 2 passport-sized photographs of the applicant.

Benefits of Business Loan in Delhi

  • Interest rates starting at 10% per annum in 2025.
  • Loan amounts up to ₹5 crore, based on business turnover and credit profile.
  • Flexible repayment tenures from 1 to 7 years.
  • Collateral-free options for unsecured business loans.
  • Quick disbursal within 2-4 days with Loanpao’s support in Delhi.

Factors Affecting Business Loan in Delhi

Business Turnover

Higher turnover increases loan eligibility and loan amount.

Credit Score

A score above 650 ensures better rates and approval chances.

Debt-to-Income Ratio

Lower existing debt improves loan approval odds.

Business Type

Registered businesses (Pvt. Ltd., LLP, etc.) in Delhi qualify for higher loans.

How to Apply for a Business Loan in Delhi

Follow these steps to apply for a business loan in Delhi through Loanpao:

  1. Visit loanpao.in and select "Business Loan in Delhi."
  2. Complete the online application form with personal and business details.
  3. Upload required documents (Aadhaar, financials, business proof).
  4. Schedule a business verification at a Delhi branch or doorstep service.
  5. Get approval and disbursal within 2-4 days.

Loan Eligibility for Business Loan in Delhi

Check your eligibility for a business loan in Delhi with Loanpao’s eligibility tool:

  • Enter personal details (age, income, business type).
  • Provide business details (turnover, vintage).
  • Include Delhi address proof.

Loanpao will assess your eligibility instantly and guide you through the application process in Delhi.

Check Eligibility Now

Track Your Business Loan Application in Delhi

Loanpao offers a seamless tracker for your business loan application:

  • Submit your application ID on the Loanpao Tracker page.
  • Monitor real-time updates (e.g., document verification, approved, disbursed).
  • Receive notifications for verification or disbursal in Delhi.
  • Contact Loanpao support for assistance with delays in Delhi.
Track Application Now

Business Loan Comparison in Delhi

Compare popular business loan options available in Delhi:

Lender Interest Rate Loan Amount Tenure Processing Fee
HDFC Bank Business Loan 10% p.a. Up to ₹5 crore 1 to 7 years 0.99% of loan amount
SBI Business Loan 10.5% p.a. Up to ₹3 crore 1 to 5 years ₹5,000 to ₹15,000
ICICI Bank Business Loan 10.2% p.a. Up to ₹4 crore 1 to 6 years 1% of loan amount

Frequently Asked Questions

Individuals aged 21 to 65 with a registered business in Delhi and minimum 2 years of operation can apply.

Interest rates start at 10% per annum, varying by lender and business profile.

Approval and disbursal typically take 2-4 days after document verification.

Yes, a credit score of 650 or above is preferred for better rates and approval.

The maximum tenure can extend up to 7 years, depending on the lender.

Yes, Loanpao offers an online application process with doorstep verification in Delhi.

Yes, many lenders offer unsecured business loans without collateral for eligible businesses.

The maximum loan amount can go up to ₹5 crore, based on business turnover and credit profile.

Yes, business verification is mandatory to assess turnover and operational stability.

Yes, most lenders allow prepayment with minimal or no charges, depending on loan terms.

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