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Business Loan Eligibility Calculator India 2026

Check your business loan eligibility score and estimated loan amount based on turnover, profit, credit score, and business vintage.

✓ Eligibility Score ✓ Estimated Loan Amount ✓ Improvement Tips ✓ Live Assessment
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Business Loan Eligibility Checker

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Estimated Loan Eligibility
₹0
Eligibility Score 0/100
Annual Turnover
Annual Net Profit
Profit-to-Turnover Ratio
Estimated Loan Tenure5–7 years (typical)
Estimated Maximum Loan
Key Factors
    Tips to Improve Eligibility
      ⚡ Apply for Loan Help
      🏦 2026 Lending Criteria
      🔒 No Data Saved
      Actionable Tips
      Live Assessment
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      Business Loan Types in India

      Loan TypeAmountRateTenure
      MUDRA Loan (Shishu)Up to ₹50,0008–12%5 years
      MUDRA Loan (Kishor/Tarun)₹50K – ₹10L10–14%7 years
      MSME Working Capital₹1L – ₹2Cr11–16%1–5 years
      Term Loan (Secured)₹5L – ₹10Cr9–14%7–15 years
      Unsecured Business Loan₹1L – ₹50L14–24%1–5 years
      ★★★★★
      "Checked eligibility before applying — knew I was eligible for up to ₹45L. ClearlyComply helped me get GST registration and CA-certified accounts before the bank visit. Loan approved!"
      Suresh Gupta — FMCG distributor, Lucknow
      ★★★★★
      "The improvement tips section told me to register as MSME — did it in 2 weeks and my interest rate dropped from 18% to 13%. Saved ₹2L in interest over the loan period."
      Kavitha Reddy — Manufacturing, Bangalore
      ★★★★☆
      "Used this to understand why my loan was rejected. CIBIL score below 700 was the main issue. Took 6 months to improve it, then got approved easily."
      Raj Mehta — Trader, Rajkot

      Need Help Getting a Business Loan Approved?

      Our CA team prepares CMA data, project reports, GST compliance, and ITR filings needed for loan approval — from ₹999.

      Frequently Asked Questions

      What is the eligibility for business loan in India?+
      Key criteria: minimum 1–3 years business vintage, annual turnover above ₹10–50L (depends on lender), CIBIL score above 700, ITR filing for 2+ years, no NPA or default history. MSME registration significantly helps. Loan amounts range from ₹50,000 to ₹5 crore for unsecured loans.
      What documents are required for a business loan?+
      Required documents: KYC (Aadhaar + PAN), business registration proof, GST certificate, Udyam/MSME certificate, 2-year ITR with P&L and balance sheet (CA-certified), 12-month bank statements, business address proof. Pvt Ltd: also Board Resolution, MOA/AOA, shareholding pattern.
      What is the MUDRA loan scheme?+
      MUDRA (Micro Units Development and Refinance Agency) provides loans up to ₹10 lakh to micro/small businesses. Three tiers: Shishu (up to ₹50K), Kishor (₹50K–₹5L), Tarun (₹5L–₹10L). No collateral required. Apply through banks, NBFCs, or microfinance institutions. Best for new small businesses.
      How to improve business loan eligibility?+
      Improve by: (1) Maintain CIBIL score above 750; (2) File ITR consistently for 2+ years; (3) Register as MSME/Udyam; (4) Ensure GST compliance; (5) Reduce existing loan EMI obligations; (6) Have CA-certified financials; (7) Maintain clean bank statements (no bounced cheques). Collateral availability significantly lowers interest rates.

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