Business Loan in Ludhiana
Business Loan in Ludhiana
Looking for a business loan in Ludhiana? Quick unsecured business loans and larger secured loans for proprietors, partnerships and companies. Use the money for stock, expansion, marketing or consolidating expensive debt. Our team works with businesses and individuals across Ludhiana and Punjab.
- Amount
- ₹3 Lakh – ₹2 Cr
- Rate
- From ~11% p.a.
- Tenure
- 1 – 5 years
Indicative ranges. Final terms depend on the lender's assessment of your profile. Desk hours: Monday – Saturday, 10:00 am – 7:00 pm.
On this loan
What changes when we place a business loan
Unsecured up to ₹75 Lakh
Based on your turnover, banking and credit profile; no property needed.
Fast processing
Digital-first lenders can disburse within days of document approval.
Balance transfer
Move high-cost loans to a cheaper lender and cut your EMI.
Flexible repayment
EMI, step-up or bullet options depending on the lender.
Eligibility
- Business vintage of 2+ years
- Annual turnover of ₹20 Lakh+
- ITR filed for the last 2 years
- CIBIL score of 700+ preferred
Documents we ask for
- KYC of applicant and business
- GST returns for the last 12 months
- ITR & financials for 2 years
- 12 months bank statements
- Business address proof
Your loan expert sends a shorter list once the lender and the profile are clear.
Common uses
The comparison
Where this loan usually lands
| What we weigh | Public sector bank | Private bank | NBFC |
|---|---|---|---|
| Rate | Usually the lowest, once the file is complete | Priced on turnover, banking and score | Higher, traded for speed and flexibility |
| Collateral | Often asked once the amount grows | Unsecured up to a limit, then secured | Often unsecured on smaller tickets |
| Time | Longer. More queries and checks | A few days to a couple of weeks | Fastest after the documents are in |
| Best fit | Clean GST and ITR, and scheme cases | Steady banking and a clear score | Thinner files, or when the date matters |
Indicative pattern for a business loan, not a rate card. We place your file with the lenders that fit. The bank or NBFC decides the offer.
EMI calculator
Calculate your business loan EMI
Monthly EMI
₹58,171
- Principal
- ₹25,00,000
- Total interest
- ₹9,90,238
- Total amount payable
- ₹34,90,238
Process
How we get your loan sanctioned
- 01
Share your requirement
Fill a 60-second form or call us. Tell us what you need the money for and how much.
- 02
Free profile assessment
A loan expert reviews your financials, CIBIL and documents and points out any gaps before a lender sees them.
- 03
Compare lender offers
We shortlist the banks and NBFCs that fit your profile and compare rates, fees and tenure.
- 04
Sanction & disbursal
We file the application, follow up on lender queries and stay with you until the money reaches your account.
FAQs
Business Loan in Ludhiana: common questions
How do I apply for a business loan in Ludhiana?
Fill the short form on this page or call +91 98788 85523. A LoanRaasta expert will assess your profile, shortlist suitable lenders with branches serving Ludhiana, and guide you through documentation and sanction.
Which banks offer business loan in Ludhiana?
Most major public sector banks, private banks and NBFCs serve Ludhiana and Punjab. The best lender for you depends on your profile, and we compare the options so you don't have to visit each branch.
What is the minimum turnover required?
Many lenders start at about ₹20–40 Lakh annual turnover, but it varies. Share your numbers and we will tell you which lenders fit.
Does a business loan affect my personal CIBIL?
For proprietorships, yes: your personal and business credit are linked. For companies, the directors' scores are also checked.
Free consultation
Get your business loan on the right road
Talk to a loan expert today. Free consultation, no obligation.