Business Ke Liye Loan Apply Kaise Kare Full Guide

Business Loan Kya Hai? Business Loan Ke liye Apply Kaise kare? jindgi me kai baar aisa kaam aa jata hai jab jyada paiso ki jaroorat hoti hai. kabhi Ghar me Shadi ya Building Construction ya kabhi new business startup ke liye paise ki jaroorat hoti hai. aise samay me rishtedar, dost, ya bank ka chakkar lagana hota hai. jab yaha se help nahi milta hai to Usurer (सूदखोर) ka talash karna hota hai. soodkhor isi samay ka intzaar karte hain.

startup loan apply

Kuchh log Startup Idea presentation ke sath investor ki talash me lage rahte hain. Kuchh Investor Bahut chalak (Cleaver) hote hai. wo aisa percentage set karte hain jo Business Owner ko samajh me nahi aata hai. Kuchh investor aise hot hain jo business samajh kar khud start kar lete hain. ye sil sila chalta rahta hai. kabhi investor startup owner ko reject kar deta hai to kabhi startup owner investor ko reject kar deta hai. Rejection bhi jindgi ka ek part hai.

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Business Loan Kya Hai

Business Loan ko commercial loan bhi kahte hain. Business Expand ya New Business Startup ke liye jab investment ki jaroorat hoti hai to loan ki jaroorat hoti hai. Kai company aur Bank hai jo Business loan de rahi hai. kai bar aisa hota hai kisi new business startup ke liye 10 Lakh rupaye ki jaroorat hai. kisi ne invest kar diya lekin 50% ka partnership le leta hai. socho koi sirf paisa laga kar lifetime 50% ka partner ban gaya hai. isse Startup owner ko loss hi milta hai. jab tak initial investment apne pas nahi hota hai to Share Holder nahi milta hai jo bhi investor milega maximum share chahta hai. aise me BUSINESS LOAN sabse achchha Option hai.

Business Loan Types

Business Loan do (two) tarah ka hota hai. dono me loan amount, documentation aur process alag hai. Business Loan Business Plan par depend karta hai.

  • New Business Loan : New Business ke liye bahut kam loan milta hai kyunki company abhi start ho rahi hai. future me kya hoga iska sirf anuman hi lagaya ja sakta hai. iske liye CA se project report banwa kar Bank me contact karna hota hai.

Naye Business ke Pradhanmantri Mudra Yojna Loan Apply Kaise Kare

  • Business Extension Loan : isme kisi purane business ko extend karne ke liye loan apply kiya jata hai. yaha Loan Amount bahut jyada hota hai. kyunki company pahle se market hai aur bank se turn over bhi achchha hai.

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Business Loan Tips in Hindi

Business Loan Ke liye Bank Me apply kar sakte hain iske liye kisi CA ya financial advisor Ki help le sakte ho. koi bhi Loan lene se pahle kuchh important information collect kar le jaise

  • Loan EMI Kya hoga Loan EMI Kam ho to bahut achchhi baat hai.
  • processing Fee Kitni hai kai baar processing fee ke naam par bahut jyada paisa le liya jata hai.
  • Loan ke liye direct bank se contact kare kuchh log broker ki wajah se time aur money dono barbaad karte hain.
  • Jisse Loan le rahe ho uska review kaisa hai. Loan lene wale bank ka Online aur offline reviews Check kare.
  • Jin logo ne pahle se loan liya hai usse baat kare.
  • Hamesha kam EMI wala Loan select Karna chahiye.

Yadi aap samay se pahle loan amount bank ko return kar dete ho to Prepayment Charges bhi check kare.

Documents Required for Business Loan

  • Address Proof
  • Bak Account with last six-month Transaction details
  • Business Plan Jisme yah Profit kaise aur kab milega yah likha ho jisse aap loan return karoge.
  • Company Letter Head and Legal Documents
  • Income Tax Return Last 3 Years
  • Balance Sheet
  • Applicant (Business Owner) Ka last 3 years ka Income Tax Return

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Apply for Business Loan

  • ICICI Bank
  • HDFC Bank
  • Axis Bank
  • SBI
  • Bajaj Finserv
  • Standard Charted Bank
  • RBL Bank
  • Punjab National Bank

Iske alawe Paisabazar.com se bhi contact kar sakte hai. Kuchh aur bhi company hai jo Loan consultancy deti hai. Lekin, kai baar procesing fee ke naam par customer ke sath fraud bhi ho jata hai. Newspaper Ke classified Ad me kai loan dene wale company ka advertisement hota hai. jisme likha hota hai Only Processing Fee. yahi processing fee fraud me badal jata hai.

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Business Loan Interest Rate

sabhi Bank ka Interest Rates alag hai. iske sath hi sabhi bank ka processing fee bhi hota hai. iske baad loaun return karne ke liye samay diya jata hai.

Updated April 2018

Bank/NBFC Interest Rate Range Processing Fee Range Max. Loan Amount Tenure Range
BAJAJ FINSERV 16% – 21% Up to 2% ₹ 30 Lakh 1-4 years
CAPITAL FIRST 13% – 20% Up to 2% ₹ 75 Lakh 0.5-3 years
HDFC BANK 10.99% to 20.75% Up to 2.50% ₹ 40 Lakh 1-5 years
ICICI BANK 12.9% – 16.65% Up to 2% ₹ 1 Crore 1-5 Years
KOTAK MAHINDRA BANK 16.00 % to 19.99% Up to 2% ₹ 75 Lakh 1-3 years
STANDARD CHARTERED BANK 13.5% – 20% Up to 2% ₹ 75 Lakh 1-5 years

Interest chart credit – financebuddha.com and bankbazar.com

Iske alawe processing fee par alag se tax lag bhi dena hota hai. Business loan interest kai points par depend karta hai.

  • Credit Score
  • Business Age
  • Monthly Revenue
  • Collateral

Ab Government ne bhi Business Loan process easy kar diya hai. Bahut kam Bank New business loan deti hai jabki business extend karne ke liye lagbhag sabhi bank loan deti hai. Bank jane se pahle kuchh kaam kar le jisse loan milne me aasaani hogi.

  • Written Business Plan ke sath bank jaye kyunki loan amount business plan par hi depend karta hai.
  • sabhi Bank ka rules alag hai aise me jis kisi bhi bank me ja reh hai uske baren me pata kar ke jaye
  • Documentation Complete rakhe Business loan ke liye kuchh FD ya Guarantee jama karna hota hai use bhi ready rakhen.
  • Document Submission ke bank loan dena ya na dena bank par depend karta hai.

Post Kaisi Lagi jaroor bataye Yah financial post hai hamari koshish rahegi ek financial post weekly publish ki jaye. is post se related koi question ho to comment box me poochh sakte hain.

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Conclusion Business Loan

Kisi bhi loan ke liye Documentation ki jaroorat hai. Business Loan Business Idea, Business Plan aur ROI (Return on Investment) par depend karta hai. sabhi jaroori document ke sath bank visit kare document submission ke baad loan dena ya n dena bank par depend karta hai. New Business Loan ke Liye Udyog Vibhag Business Plan Submit Kar Loan ke liye Apply kar sakte hain. agle post me iske baren me baat karunga.

People May Also Search : business loan hdfc, loan for business without security, business loan requirements, loan for business startup, business loan for new business, business loan bajaj, business ke liye loan in hindi, loan kaise milega, business tips in hindi.

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12 Comments

  1. Business Loan Apply karne ka bilkul sahi tarika bataya gaya hai. Mujhe isse help mila hai. lekin sir ismen subsidy wala loan kaise milega?

  2. Business Loan ke liye bahut achchhi jankari share kiya gaya hai. Mai PNB se loan liya hoo aur mujhe bahut aasani se loan mil gaya.

  3. Business loan ke liye HDFC loan details hai kya isme kuchh aur bhi scheme aaya hai jo Bata Raha hai 500000 ka loan lijiye aur 50000 ka insurance policy lijiye aur 9 saal tak 50000 har sal dete rahiye kya yah sahi rahega.

  4. Sir mai nepal se hu chandigarh me rahta hu mere pas ab yahi ka adress proff hai kya main loan ke liye apply kar sakta hu.

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