Business Loan · EMI from ₹28,548/month*

₹12 Lakh Business Loan

Get a ₹12 Lakh business loan for working capital, stock, machinery or expansion. We compare offers from our partner lenders and handle the paperwork with you.

  • Loans up to ₹12 Lakh, often without collateral
  • Compare 50+ banks & NBFCs in one go
  • Tenure up to 5 years
  • Free, end-to-end application support
Check eligibilityHow it works

Get ₹12 Lakh business loan offers

Free consultation · No obligation

Checking eligibility does not affect your credit score.

Get a ₹12 Lakh Business Loan to Power Your Business

A business loan gives you quick access to funds so your business keeps running smoothly – to pay vendors, build inventory, fund marketing, add machinery or expand into a new location. It can be a lifeline when savings or current-account balances aren’t enough to keep operations going.

When you apply for a ₹12 Lakh business loan through Credit Success, we look at your business profile and match it with the lenders most likely to approve it, then manage the application with you until disbursal.

At ₹12 Lakh, many banks and NBFCs offer unsecured business loans – no property or assets to pledge – based on your turnover, banking history and credit score.

What Will Be the ₹12 Lakh Business Loan EMI?

Your EMI depends on the interest rate and tenure the lender offers. The table below shows indicative EMIs for a ₹12 Lakh loan so you can plan your cash flow.

TenureEMI at illustrative 15% p.a.Total interest
1 year (12 months)₹1,08,310 / month₹99,720
2 years (24 months)₹58,184 / month₹1,96,415
3 years (36 months)₹41,598 / month₹2,97,542
5 years (60 months)₹28,548 / month₹5,12,875

Illustration only, at an assumed 15% p.a. – not an offer. We find the best rate available to your business.

Try your own numbers

Why Opt for a ₹12 Lakh Business Loan?

If you need funds for business expenses, a ₹12 Lakh business loan arranged through Credit Success can cover them. Common uses include:

  • Vendor and supplier payments
  • Buying stock ahead of a busy season
  • Marketing and new customer acquisition
  • Small equipment, computers or software
  • Bridging gaps in working capital

Even if your current account is running low, the right loan helps keep the business going – with flexible repayment, competitive rates and a quick application process.

Eligibility and Documents for a ₹12 Lakh Business Loan

Lenders look at these factors when deciding your business loan eligibility:

Business vintage

Usually at least 3 years of running business

Turnover & stability

Steady turnover and banking in the business account

Customer portfolio

A spread of customers rather than dependence on one

Existing obligations

Current EMIs should leave room for the new loan

Credit score

A CIBIL score of 700+ helps you get better rates

Documents usually required:

Identity & address proof

PAN, Aadhaar, passport or voter ID of the applicants

Business proof

GST registration, Udyam certificate, partnership deed or MOA/AOA

Bank statements

Last 6–12 months of the main business account

Financials

ITRs with computation, P&L and balance sheet for 2 years

This list is indicative. The lender may ask for more documents while processing your loan.

Features & Benefits of a ₹12 Lakh Business Loan

Easy application

Share your details once – we prepare your file and submit it to the right lenders.

No collateral at this amount

Most lenders fund this ticket size against your business cash flows, not assets.

Flexible repayment

Choose a tenure that fits your cash flow – up to 60 months for unsecured loans, longer when secured.

Competitive rates

Lenders compete for your profile, so you see the best rate you qualify for.

Transparent costs

We explain the rate, processing fee and prepayment terms before you sign.

No usage restrictions

Use the funds for any genuine business purpose.

4 easy steps

How to Apply for a ₹12 Lakh Business Loan

1. Share your requirement

Fill in the form or call us – it takes under 2 minutes.

2. We compare lenders

We match your profile with partner banks and NBFCs and shortlist the best fits.

3. Submit documents

Upload or hand over documents – we check them before they go to the lender.

4. Get sanction & disbursal

The lender verifies, approves and disburses to your account.

Partner lenders

Banks & NBFCs That Offer ₹12 Lakh Business Loans

Through our network we work with leading banks and NBFCs for business funding, including:

  • Axis Bank
  • HDFC Bank
  • Yes Bank
  • SBI
  • Canara Bank
  • Indian Bank
  • Kotak Mahindra Bank
  • Karur Vysya Bank
  • DBS Bank
  • Hero FinCorp
  • Aditya Birla Finance
  • Godrej Finance
  • NeoGrowth
  • UGRO Capital
  • Bajaj Finserv
  • Poonawalla Fincorp
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FAQ

FAQs on ₹12 Lakh Business Loan

What is the interest rate for a ₹12 Lakh business loan?

Rates depend on the lender, your business profile and whether the loan is secured. We compare partner lenders to find the best rate available to your business; secured loans usually cost less than unsecured ones. Lenders may also charge a processing fee of up to 2% of the loan amount plus GST.

How much EMI will I pay on a ₹12 Lakh business loan?

At 15% p.a. for 5 years the EMI is about ₹28,548 per month. Use the EMI calculator on this page to try other rates and tenures.

Can I get a ₹12 Lakh business loan without collateral?

Yes, most banks and NBFCs offer unsecured business loans at this amount if your business has a stable track record, good banking and a healthy credit score.

What affects my business loan EMI?

Your EMI depends on the loan amount, interest rate and tenure. Your credit score influences the rate you’re offered, and a longer tenure lowers the EMI but increases the total interest you pay.

Which banks and NBFCs offer ₹12 Lakh business loans?

Lenders active at this amount include Axis Bank, HDFC Bank, Yes Bank, SBI, Canara Bank, Indian Bank, Kotak Mahindra Bank, Karur Vysya Bank, DBS Bank and NBFCs such as Hero FinCorp, Aditya Birla Finance, Godrej Finance, NeoGrowth, UGRO Capital, Bajaj Finserv, Poonawalla Fincorp. Availability depends on your profile and location.

Get your ₹12 Lakh business loan moving

Share your requirement and we’ll come back with lender options that fit your business.

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