Get a Flexible Business Loan in Kolkata
Kolkata, the commercial capital of Eastern India, is a key hub for IT, finance, manufacturing, and traditional industries like textiles, jute, and leather. The city’s business districts, industrial zones, and growing startup ecosystem provide ample opportunities for entrepreneurs and businesses. Whether you run a manufacturing unit in Howrah, a retail store in Gariahat, or a service startup in Salt Lake, timely access to capital is crucial for success.
If you are planning to expand your business and looking for financial assistance, Poonawalla Fincorp’s Business Loan can be your helping hand. With low interest rates, flexible loan tenures, and a simple online application, you can easily access funds for business expansion, inventory, or equipment purchases. Apply now!
Online EMI Calculator For Loan for Business In Kolkata
Trying to build a business name in Kolkata requires smart financial planning. Use our Business Loan EMI Calculator to estimate your monthly repayments instantly. Just enter the loan amount, interest rate, and tenure.
Why Choose Poonawalla Fincorp
High LoanAmount
Collateral-free Loan
Competitive Interest Rate
Minimal Documentation
Flexible Repayment Tenure
No HiddenCharges
Apply for a Business Loan Online in Just 3 Steps
Click on "Apply Now”
Tap the "Apply Now" button to initiate your application.
Enter Details
Enter your DOB, PAN card number, monthly income, and residential details.
Upload Documents
Upload the necessary documents for quicker approval.
On successful verification, the loan amount will be disbursed into your bank account instantly.
Getting a Business Loan in Kolkata starts with understanding the eligibility requirements. Our criteria are transparent and easy to navigate. Check if you qualify to access the financing your business needs, whether you’re in retail, manufacturing, or services. Review the requirements and take the next step toward securing your loan.
- Age: Between 24 and 65 years.
- Citizenship: Indian.
- Business Vintage: Minimum 2 years.
- Annual Turnover: Minimum ₹6 Lakh.
Check your Business Loan eligibility criteria here.
Provide the necessary documents for a smooth and efficient application process:
- KYC Documents
- Business Address Proof
- Financial Documents
Learn more about the required documentation for a business loan.
Interest rates and charges matter when you’re securing a Business Loan in Kolkata. Our competitive rate for loan for business reflect the city’s dynamic business environment, with clear processing fees and no surprises. From established businesses in Central Kolkata to growing ventures in the eastern suburbs, transparent pricing helps you budget better and stay on top of repayments.
After 6 EMIs: 5% on principal outstanding + taxes
Default Charges: Penalty will be charged for nonpayment of EMI amount and for non-compliance of material terms and conditions, as more particularly specified at Default Charges.pdf
*T&C Apply
A Business Loan or an MSME Loan in Kolkata powers local enterprises to thrive amid the city’s bustling markets and growth hubs. Here are key ways Kolkata businesses put them to work:
- Expanding and renovating your business: Upgrade shops in Park Street or factories in Howrah with funds for new space or modern interiors.
- Capitalising on new opportunities: Grab time-sensitive deals with an urgent Business Loan in Kolkata, perfect for festival rushes or sudden tenders.
- Diversifying into new products or services: Launch fresh offerings, like a Howrah trader adding e-commerce alongside traditional wholesale.
- Purchasing the latest equipment or software: Equip your startup with machinery or digital tools to boost efficiency.
- Hiring additional employees: Build your team for peak seasons in Kolkata’s retail districts, covering salaries during ramp-up.
- Increasing reserves for working capital: Secure a Working Capital Loan in Kolkata to manage daily cash flow for inventory in busy markets like Gariahat.
Business financing in Kolkata caters to diverse entrepreneur profiles across the city’s commercial landscape:
- Retail shop owners: Loans for shopkeepers help manage inventory purchases, store renovations, and seasonal stock requirements to keep operations running smoothly.
- Sole proprietors: Independent professionals and small business owners can access flexible funding options tailored to their unique operational needs.
- MSMEs: Small and medium enterprises form the city’s economic backbone, with tailored loan schemes supporting manufacturing, trading, and service-based businesses.
- Business-Women: Business loans for business-women come with special benefits and lower interest rates, empowering female-led ventures from home-based businesses to established commercial operations.
A well-prepared application speeds up approval and improves your chances of securing favourable terms:
- Know your business needs: Calculate the exact funding required, whether it’s ₹5 lakhs for equipment or ₹1 crore for expansion. Clear purpose statements help lenders assess your request faster.
- Create a business expansion plan: Document how you’ll use the funds and projected revenue growth. A solid plan demonstrates financial discipline and repayment capacity.
- Check your credit score: A CIBIL score above 750 significantly improves approval odds and interest rates. Review your report beforehand and resolve any discrepancies.
- Keep the necessary documents handy: Organise your PAN, Aadhaar, bank statements (6-12 months), GST returns, business registration proof, and ITR for the past 2 years.
Visit the Poonawalla Fincorp Kolkata branch at the following address:
- Address: 6th Floor, Apeejay House, Block B, Ex IDFC Bank Unit No: B/6/115, Park Street, Kolkata-700016
- Contact Number: 1800-266-3201 (Toll Free)
- Timing: 9:00 AM to 7:00 PM | Monday - Saturday (Closed on Sunday & Public holidays)
Happy Customers, Happy Us
Business Loan
Securing a business loan marked a pivotal moment for our growth. The funds enabled us to invest in new equipment and significantly expand our operations. The team was transparent, supportive, and guided us every step of the way, making the entire process smooth and reassuring
Business Loan
I never imagined getting a loan could be this easy. With minimal documentation and quick disbursement, the process was incredibly smooth. It came at a crucial time and helped me manage my cash flow effectively.
Business Loan
The business loan gave me the confidence to take on larger projects. With competitive interest rates and flexible repayment terms, the experience was smooth and empowering. Truly a great experience.
Business Loan
Excellent service and timely support! The loan enabled me to renovate my setup and enhance the customer experience. I'm truly grateful for the professionalism and efficiency throughout the process.
Business Loan
The loan helped me stock up inventory just in time for the festive season. Approval was swift, and the team truly understood my business needs. A smooth and supportive experience all around!
Business Loan
I was initially hesitant, but the loan process was so well-managed that I felt confident every step of the way. It enabled me to open a second outlet and expand my brand - an experience that truly exceeded expectations.
Business Loan
The loan allowed me to upgrade my machinery and significantly boost production efficiency. The terms were clear, and the service was handled with utmost professionalism.
Business Loan
I’ve taken loans before, but this was by far the most seamless experience. The team was highly responsive, and the funds played a crucial role in digitising my business operations. Truly a smooth and supportive journey.
Business Loan
The business loan came at just the right time, allowing me to stock up on raw materials and stay ahead of seasonal demand. What impressed me most was the repayment structure; it aligned perfectly with my cash flow, making the entire experience stress-free and sustainable.
Business Loan
Taking the loan was a bold move that transformed my business and boosted revenue. It gave me the financial push I needed to take that leap, and I’m glad I did. The support made a real difference in turning plans into progress.
I run a chain of pharmacy stores with 5 branches in Pune. With the growing popularity of home delivery, my customers were expecting the same from me as well. However, the extra capital requirement made it difficult for me to hire delivery persons. With Poonawalla Fincorp’s Business loan, I am now able to compete with online pharmacy retailers, manage working capital and upgrade my system. My customers have grown 50-60%. The loan application process is digital, simple and speedy. I was delighted to get my loan amount disbursed quickly, allowing me to upgrade my operation seamlessly.
Business Loan
The interest rates were fair and competitive, making it easy to manage cash flow for me. The process was smooth with the service and giving a rating of 10.
Business Loan
I was hesitant at first, but the team explained everything clearly and made me feel confident. The loan helped me manage working capital and grow my business steadily.
Business Loan
I was impressed by how quickly my business loan was processed. The team was extremely helpful and guided me through every step. Thanks to their support, I was able to expand my operations without any hasstle.
Business Loan
The loan process was incredibly smooth, and the team was always available to answer my queries. With the funds, I was able to renovate my store and attract more customers. Truly grateful.
Business Loan
Getting a business loan felt daunting at first, but the entire experience was smooth and transparent. The loan helped me purchase new equipment and increase production. Highly recommend their services!
Business Loan
Excellent service and prompt communication. The loan process was seamless, and the funds were disbursed faster than expected. It’s great to work with professionals who understand business needs.
Business Loan
I needed quick funding to stock up for the festive season, and the business loan came just in time. The Credit Manager was proactive and ensured everything was done on priority. Excellent service!
Business Loan
Thanks to the business loan, I was able to open a second outlet. The team was very supportive and explained all terms clearly. I appreciate the personalized attention I received.
Business Loan
I’ve taken loans before, but this was by far the most professional experience. The documentation was minimal, and the disbursement was fast. I’ll definitely recommend them to fellow entrepreneurs.
Business Loan
The loan helped me bridge a critical cash flow gap during the festive season. The team was approachable and ensured everything was handled efficiently. Great experience!
Business Loan
The business loan helped me hire skilled staff and improved my business. The support from the credit team was outstanding. They understood my business and offered the right solution.
Business Loan
I am very happy with the service of the company and will recommend everyone to take loan from Poonawalla Fincorp.
Business Loan
The loan process was quick and transparent. No hidden charges, and the team guided me at every step. Will recommend everyone.
Business Loan
They didn’t just give me a loan—they gave me peace of mind during a tough time, Happy with the service of Poonawalla Fincorp.
Business Loan
No hidden charges, no surprises. The process was clear and smooth from start to finish.
Business Loan
The team guided me at every step and made the entire experience stress-free, will highly recommend to my friends - rating 10!!!
Business Loan
They tailored the loan to fit my business model. Truly customer-focused and satisfying service given by Poonawalla Fincorp, Highly Recommended!!!
Explore Different Types of Business Loans to Suit Your Needs
Get exclusive access to simplified
Personal Finance
Information at
Poonawalla Fincorp’s
FinHub
Frequently Asked Questions
Some of the business loans provided by Poonawalla Fincorp are:
● Business Loan for Women
● Working Capital Loan
● MSME Loan
● Business Loan for proprietorship
● Business Loan for a retail shop
The minimum Business Loan amount you can get from Poonawalla Fincorp is ₹5 Lakh, with loans available up to ₹1 Crore.
Upon successful verification of your application and documents, the loan amount is disbursed instantly into your bank account.
Poonawalla Fincorp offers collateral-free business loan with competitive interest rates starting at 15% p.a., high loan amounts up to ₹1 Crore, flexible repayment tenure (6-60 months), minimal documentation, and no hidden charges.
Indian citizens aged 24-65 years with a minimum business vintage of 2 years and an annual turnover of ₹6 Lakh can apply. This includes sole proprietors, MSMEs, retail shop owners, and women entrepreneurs.
Apply online by entering your details and uploading documents. Upon successful verification, the loan amount is disbursed instantly to your bank account, with repayment through monthly EMIs.
Self-employed professionals, retail shop owners, sole proprietors, MSMEs, and women entrepreneurs can avail of a Business Loan in Kolkata, subject to meeting eligibility criteria.
Upon successful verification of your documents, Poonawalla Fincorp ensures instant disbursal of the loan amount into your bank account.
You can use a Business Loan for business expansion, renovations, purchasing equipment or software, hiring employees, increasing working capital reserves, capitalising on new opportunities, diversifying products/services, and managing inventory.