Who provides the loan?

Banks and RBI-registered NBFCs. We match you with the right lender through our lending partners. StartupGrantsIndia is not a lender and does not decide who gets a loan.

Does StartupGrantsIndia charge me anything?

No. We charge no fee to you. If you take a loan, the lender may pay us a referral fee. It does not change the offer you get.

How much can I borrow?

Up to ₹2 crore. The amount you're offered depends on your turnover, bank statements and the lender you're matched with.

What is the interest rate?

Rates aren't fixed up front. You get an indicative offer, with the rate and any fees, from the lender after you share your details, and you decide whether to go ahead.

Do I need collateral?

No. Both products are unsecured, so you don't pledge property, fixed deposits or machinery.

How is a dropline overdraft different from a loan?

A loan pays out once and you repay in fixed EMIs. An overdraft is a limit you draw on as needed, and you pay interest only on what you use. The limit reduces gradually over the tenure.

How fast will I get the money?

Funds are typically credited in 2–5 days once the digital documentation is complete.

Businesses with at least ₹1 crore in annual turnover. Between ₹1 and 5 crore you need 2+ years in business and a GST registration. Between ₹5 and 50 crore you need to have raised funding, or have 2+ years in business and a GST registration. Above ₹50 crore, you're good to go.

What documents will I need?

KYC of the business and promoters, GST returns, the last 12 months of bank statements and your financial records. Everything is collected digitally.

Is my information shared when I answer the questions?

Your answers stay with us until you choose to submit your contact details. We share them with our lending partners only after you agree.

Is a startup too early for a business loan?

If you're pre-revenue or under ₹1 crore in turnover, grants and AWS credits are usually the better first step. Browse the grants on StartupGrantsIndia to see what you can apply for today.

Business funding

Business Loans Up To ₹2 Crore — No Collateral.

Collateral-free capital for dealers, traders, distributors and manufacturers with ₹1 Cr+ annual turnover. One quick check, matched with RBI-registered banks and NBFCs.

Free · About a minute · No fee from us

Loan size: Up to ₹2 Cr
Collateral: None
Funds in: 2–5 days
Starts at: ₹1 Cr turnover

No collateral
No property, FD or machinery pledge. Your assets stay yours.
Funds in 2–5 days
Fully digital paperwork, with no branch visits.
Banks and NBFCs
Matched with RBI-registered lenders, not tied to one lender's rules.

Two ways to borrow

Both are unsecured. Pick the one that matches how your cash actually moves.

Lump sum

Unsecured business loan

One payout into your account, repaid in fixed EMIs. Best when you know what the money is for: stock, equipment, expansion.

Fixed EMIs, so repayment is predictable
No collateral against it

Flexible limit

Dropline overdraft

A credit limit you draw on when you need it. Best for uneven cash flow, like paying suppliers before customers pay you.

Interest only on the amount you use
The limit steps down gradually over the tenure

Who can apply

Dealers, traders, distributors and manufacturers, among others.

Businesses with ₹1 Cr or more in annual turnover
At ₹1–5 Cr: 2+ years in business and GST registered
At ₹5–50 Cr: funded, or 2+ years in business and GST registered
Above ₹50 Cr: you're in
Anywhere in India: Tier-1, Tier-2 and Tier-3 cities

How it works

Free to check · Fully digital · No fee from us.

Answer a few questions

Turnover, business age, funding and GST. It takes about a minute.

Get lined up with a lender

We match you with the right bank or RBI-registered NBFC and share your details only with your consent.

Receive the funds

Complete the digital paperwork. Funds arrive in 2–5 days as a lump sum or an overdraft limit.

Keep these ready

KYC of the business and its promoters
GST returns
Last 12 months of bank statements
Financial records

Frequently asked