Business Loan

A apply for business loan online in Delhi NCR, Noida by hamra loan in various comparison options to businesses for various purposes. Our financial services are aimed at helping you overcome financial constraints and realise your business goals. To fulfil all your business needs expansion, office renovation, modernisation, automation, equipment purchases, skill development, and more, you need capital. With Hamra Loan Business Loans, specially designed for MSMEs, These loans come in different forms and structures to meet the diverse needs of businesses. Here’s an overview of the key aspects of business loans.

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Full Fill Your Every Need

Apply for business loan online in Delhi NCR, Noida Avail of a loan up to ₹1 Crores in select locations) and up to ₹3 in multiple funding without any collateral, guarantor or security, to fulfil your every business need, from business expansion and working capital, or any other personal work. 

Transfer Loan Balance with Ease

Transfer your existing Business Loan to other Bank with Hamra Loan for lower EMIs, and enjoy our benefits

• ·Attractive Interest rates on existing loan transfer.
• Flexible tenure up to 48 months to transfer your loan balance, apply now Unified Link.

Dropline Overdraft Facility

It provides Overdraft Facility without any security. Limit is set in a separate Current Account which drops monthly till the end of the tenure. Pay the interest only on the amount utilised.

• Dropline Overdraft Facility up to 3 lakh – ₹ 1 crores*
• No guarantor/ security required
• Tenure ranging from 12-72 months
• Attractive rate of interest

Quick Eligibility Check & Disbursal

Check your Business Loan eligibility online or visit at Office. Loans will be disbursed based on previous repayment of Home Loans, Auto Loans and Credit Cards.

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Flexible Tenure

You can repay your loan over a period of 12 to 48 months.

Convenient Borrowing

For any help with your loan, you can reach out to us via Whatsapp, Call, Email.

Stay Protected

• Take care of your loved ones by paying a nominal premium* and covering your loan with our Credit Protect
• Protects the family by paying off the loan amount in case of death of the customer
• Life coverage – provides peace of mind
• No need to use other savings to repay the loan
• Tax benefits as per applicable laws
• One convenient package – loan + insurance
• The premium for this product will be deducted from the loan amount at the time of disbursal, after levying service taxes and applicable surcharge/cess at the rates notified by the government
•  In case of natural/accidental death of the customer, the customer/nominee can avail of the Payment Protection Insurance (Credit Protect), which insures the principle outstanding on the loan up to a maximum of the loan amount.

*Terms & Conditions of the insurers shall apply. The above product is offered by our lending partners.

The following people are eligible to apply for a Business Loan:

• Self employed individuals, proprietors, private ltd. co. and partnership firms involved in the business of manufacturing, trading or services.

• The business should have a minimum turnover of ₹40 lakhs

• Individuals who have been in the current business for a minimum of 3 years, with 5 years total business experience.

• Those whose business has been profit-making for the previous 2 years

• The business should have a Minimal Annual Income (ITR) of ₹1.5 lakhs per annum

• The applicant should be at least 21 years at the time of applying for the loan, and should be not older than 65 years at the time of loan maturity.

• he following documents are required along with your Business Loan application:
• Kyc Documents–
  • A copy of any of the following documents as identity proof:
    • PAN Card
    • Aadhaar Card
    • Passport
    • Voter’s ID Card
    • Driving License
  • A copy of any of the following documents as address proof:
    • Aadhaar Card
    • Passport
    • Voter’s ID Card
    • Driving License
    • Electricity Bill
    • Telephone Bill
  • Income Proof : Bank Statement of Last 1 year.
  • Financial Documents:
    • Latest ITR along with computation of income, Balance Sheet and Profit & Loss account for the previous 2 years, after being CA Certified/Audited Must UDIN 
    • Business Proof of continuation
    • (ITR/Trade license/Establishment/Sales Tax Certificate)
    • Other Mandatory Documents [Sole Prop. Declaration Or Certified Copy of Partnership Deed, Certified true copy of Memorandum & Articles of Association (certified by Director) & Board resolution (Original)]

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