NBFC Business Loan 2025 – Interest Rate, Eligibility & Documents

Janiye NBFC business loan ke bare me – interest rate, eligibility criteria, required documents, repayment tenure aur apply process in Hindi.

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🔹 Introduction

Aaj ke business environment me capital ka hona har business ke liye crucial hai. Traditional bank loans ke alawa NBFC business loans ek popular alternative ban gaye hain, kyunki ye loan process me flexible terms aur fast approval dete hain.

Is blog me aapko milega detail: NBFC business loan kya hai, interest rate, eligibility, required documents, benefits aur FAQs.

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📌 NBFC Business Loan Kya Hai?

NBFC Business Loan ek unsecured ya secured loan hai jo Non-Banking Financial Companies (NBFCs) ke through diya jata hai.
Ye loan specially small businesses, startups, aur SMEs ko target karta hai jinke paas sufficient collateral na ho ya jinke liye bank loan process complicated ho.

NBFCs banks ke mukable flexible lending terms offer karte hain aur approval process zyada fast hota hai.

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💰 NBFC Business Loan ke Fayde

1. ⏱ Fast Processing: Banks ke mukable NBFC loans zyada quickly process hote hain.

2. 📜 Flexible Eligibility: Banks ke mukable eligibility criteria comparatively loose hote hain.

3. 🧾 Minimum Documentation: Loan process ke liye kam documents required hote hain.

4. 💳 Collateral-Free Loan: Many NBFCs collateral-free loan offer karte hain.

5. 🌐 Digital Process: Online loan application aur approval possible hota hai.

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📊 NBFC Business Loan Interest Rates

NBFC business loan interest rates banks ke comparison me thode high hote hain kyunki NBFCs higher risk cover karte hain.

Approximate interest rate: 12% se 24% p.a.

📌 Note: Exact rate applicant profile, business type, loan amount aur repayment tenure ke hisaab se decide hota hai.

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📋 NBFC Business Loan Eligibility

NBFC business loan ke liye general eligibility criteria:

• Applicant Indian citizen hona chahiye.

• Age: Minimum 21 years, maximum 65 years at loan maturity.

• Existing business ya startup hona chahiye.

• Minimum business operation: 1–2 years (some NBFCs startups ko bhi finance deti hain).

• Good credit score (600+) — lekin relaxed eligibility bhi milti hai.

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🧾 NBFC Business Loan Documents Required

Common documents required:

• Aadhaar Card / PAN Card

• Business Registration Certificate

• Bank Statement last 6–12 months

• Income Tax Returns (ITR) last 2 years

• Proof of Business Address

• Financial Statements / Balance Sheet

• Passport Size Photograph

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🏦 NBFC Business Loan Apply Process

Step-by-Step Process:

1. Online ya offline loan application form fill karein.

2. Required documents upload ya submit karein.

3. NBFC loan application verify karegi.

4. Loan eligibility aur interest rate decide ki jayegi.

5. Loan sanction hone ke baad amount directly aapke account me transfer ho jayega.

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📌 Factors Affecting NBFC Business Loan

1. Loan Amount

2. Repayment Tenure

3. Business Type & Profitability

4. Credit History

5. Collateral Availability

6. NBFC Company Policy

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❓ Frequently Asked Questions (FAQs)

Q1. NBFC business loan ka interest rate kitna hota hai?
➡️ Lagbhag 12% se 24% p.a. hota hai.

Q2. NBFC business loan ke liye collateral chahiye hota hai?
➡️ Collateral requirement depend karta hai loan amount aur NBFC policy par. Kai NBFCs collateral-free loan offer karte hain.

Q3. Loan repayment period kitna hota hai?
➡️ Generally 1 se 5 saal.

Q4. Kya startups NBFC business loan ke liye eligible hote hain?
➡️ Haan, kuch NBFCs specially startups ke liye finance provide karte hain.

Q5. NBFC business loan apply kaise karein?
➡️ NBFC ki official website ya loan marketplace platforms ke through online apply karein.

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🏁 Conclusion

NBFC Business Loan ek flexible aur convenient financing option hai especially un businesses ke liye jinke liye bank loan lena mushkil ho.
NBFC loans fast processing, kam documentation, aur collateral-free facility provide karte hain, jo un business owners ke liye ideal solution hai jo apne business ko grow karna chahte hain.

Agar aap apne business expansion, working capital ya machinery purchase ke liye quick funding chahte hain, to NBFC business loan ek perfect option ho sakta hai.

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