Quick access to Rs. 5,000,000 for working capital, equipment purchase, business expansion, or inventory with transparent pricing and a fully digital process.
Loan amount
₹50,00,000
Starting rate
11.99% p.a.
Disbursal
Within 24 hrs
Get ₹50,00,000 Business Loan at 11.99%* p.a.
Compare 30+ lenders instantly
Get funds in 24 hours
Zero impact on credit score
Your EMI will be
₹1,11,197
Total Interest Payable
₹16,71,818
Total Amount Payable
₹66,71,818
Loading offers…
Rates, fees, and disbursal timelines are indicative and may vary by lender, profile, and loan amount. *Terms & conditions apply.
| Feature | Details |
|---|---|
| Loan Amount | 50 Lakh |
| Interest Rate | 11.99% – 22% p.a. |
| Repayment Tenure | 12 – 84 months |
| Processing Fee | 1% – 4% of loan amount |
| Disbursal Time | 2–7 working days |
| CIBIL Score Required | 700+ (750+ for best rates) |
| Collateral Required | None (unsecured) |
| Minimum Turnover | Rs. 60 lakh |
| Prepayment Charges | 0% – 5% (lender-specific) |
| Bank/NBFC | Interest Rates (% p.a.) | Processing Fees |
|---|---|---|
| HDFC Bank | 10.75% - 22.50% | Up to 2% |
| Axis Bank | 11.00% onwards (floating); 14.25%-20% (fixed)* | Up to 2% |
| ICICI Bank | 14.00% onwards | Up to 2% |
| Kotak Mahindra Bank | 13.00% onwards | Up to 2.5% |
| Bank of Baroda | 12.00% - 13.50% | Up to 2% (Max Rs. 10,000) |
| Bajaj Finance Limited | 14.00% - 23.00% | Up to 4.72% |
| IDFC FIRST Bank | 12.99% onwards | Up to 3.5% |
| IndusInd Bank | 13.00% - 22.00% | Up to 3% |
| Yes Bank | 13.75% onwards | Up to 2% |
| Tata Capital | 13.50% onwards | Up to 3% |
| L&T Finance | 15.00% onwards | Up to 3% |
| Poonawalla Fincorp | 15.00% onwards | Up to 3% |
| Piramal Finance | 16.00% - 25.00% | Up to 5% |
| InCred Finance | 15.00% onwards | Up to 4% |
| SMFG India Credit | 17.00% - 25.00% | Up to 3% |
*Bikesh Finserv special rates
Note: Rates as of 6th June 2026
Explore business loans by amount
Explore business loans by amount
An EMI calculator helps you estimate your monthly repayment before you apply. For a Rs. 50 lakh business loan, your EMI depends on the interest rate and tenure you choose — knowing this upfront helps you plan your budget with confidence.
Use our business loan EMI calculator to try different combinations, or refer to the sample tables below for quick reference.
| Loan Amount (Rs.) | Interest Rate (p.a.) | Tenure | EMI (Rs.) | Interest Cost (Rs.) |
|---|---|---|---|---|
| 50 lakh | 11.99% | 5 years | 1,11,197 | 16,71,818 |
| 50 lakh | 15% | 5 years | 1,18,950 | 21,36,979 |
| 50 lakh | 18% | 5 years | 1,26,967 | 26,18,028 |
| Loan Amount (Rs.) | Interest Rate (p.a.) | Tenure | EMI (Rs.) | Interest Cost (Rs.) |
|---|---|---|---|---|
| 50 lakh | 11.99% | 2 years | 2,35,344 | 6,48,256 |
| 50 lakh | 11.99% | 3 years | 1,66,048 | 9,77,716 |
| 50 lakh | 11.99% | 5 years | 1,11,197 | 16,71,818 |
Eligibility: Who Can Get a Rs. 50 Lakh Business Loan?
| Aspect | Proprietorship | Partnership / Pvt Ltd |
|---|---|---|
| Documentation | Simpler KYC and business proof | Partnership deed / MOA-AOA and board resolutions required |
| Credit assessment | Based on proprietor's personal and business credit | Entity-level and promoter credit both evaluated |
| Interest rates | Competitive rates for strong profiles | Similar rates; larger entities may negotiate better terms |
| Loan limits | Typically up to Rs. 50 lakh unsecured | Higher limits available with collateral or cash-flow backing |
| Disbursal speed | Faster for sole proprietors with clean GST/ITR | May take longer due to additional entity verification |
Below-mentioned are the documents required to apply for a Rs. 50 lakh business loan. Keep digital copies ready for a faster, fully online application.
| Particulars | Charges |
|---|---|
| Loan Processing Fees | 1% to 4% of loan amount |
| Prepayment / Part-prepayment / Foreclosure Charges | For Floating Rate: Nil; For Fixed Rate: Usually around 2% – 5% on the principal outstanding |
| Loan Cancellation | Usually around Rs. 3,000 |
| Stamp Duty Charges | As per actuals |
| Legal Fees | As per actuals |
| Penal Charges | Usually @ 2% per month; 24% p.a. |
| EMI / Cheque Bounce | Around Rs. 400 per bounce |
You can apply for a business loan through Bikesh Finserv in the following steps:
It is possible to obtain a 50 lakh business loan even if you have a low CIBIL score. Bikesh Finserv can also approve business loans for applicants with credit scores lower than 700. However, lenders typically view these candidates with lower CIBIL scores as credit riskier, so they might not receive the best offers on business loan interest rates or loan approval circumstances.
Since a high credit score is still a crucial requirement for business loan eligibility, the majority of prestigious private and public sector banks typically refuse loan applications from companies with poor credit scores. Although the interest rates are usually higher to mitigate the additional risk, many NBFC and fintech lenders are willing to provide MSME business loan 50 lakh financing to applicants with a low credit score. Even if your score is below the desired 700+ minimum CIBIL score for business loan approval, strong GST compliance and steady business turnover can still significantly increase your chances of acceptance.
How Lenders Evaluate Low-CIBIL Applications for Higher Loan Amounts: At the Rs. 50 lakh ticket size, lenders scrutinize compensating factors more carefully than they would for smaller loans, since the exposure is larger: consistent business cash flow, business vintage, GST compliance, existing debt obligations, and collateral or guarantor support.
Practical Options for Businesses With a Low CIBIL Score: NBFC and fintech lenders; secured or partially secured structures; building credit history first with smaller tickets; co-applicant support; and improving CIBIL score through repayment discipline and error correction.
Why Approval Doesn't Guarantee the Best Terms: In comparison to well-qualified applicants, applicants with lower credit scores should anticipate a higher business loan interest rate, steeper processing fees, and possibly a shorter repayment period even if they are approved. This difference tends to widen further at the Rs. 50 lakh level compared to smaller loan amounts due to the larger unsecured exposure involved. Despite CIBIL score limitations, the best approach to obtain somewhat better conditions is still to compare offers from several lenders rather than accepting the first approval.
Got questions?
EMI depends on interest rate and tenure. At 11.99% p.a. for 5 years, EMI is around Rs. 1,11,197. At 15% for the same tenure, it is around Rs. 1,18,950. Use the calculator on this page or our business loan EMI tool to try different combinations.
Most lenders prefer minimum annual turnover of Rs. 60 lakh for unsecured business loans of this size. Proprietorships and MSMEs with consistent GST filings and ITRs for 2–3 years stand a better chance of approval.
Yes, though approval is harder with scores below 700. Banks may decline, but several NBFCs and fintech lenders consider lower scores with higher interest rates. Strong business cash flows, GST compliance, or collateral can improve your chances.
For pre-approved customers with complete documentation, funds can be credited within 2–3 working days. Standard applications typically take 3–7 working days after document verification and final approval.
You generally need KYC of promoters, GST registration, ITRs for last 2–3 years, 12 months' current account bank statements, GSTR-3B returns, and entity documents such as partnership deed or MOA/AOA where applicable.
Floating-rate loans often have nil prepayment charges. Fixed-rate loans may charge 2%–5% on the outstanding principal. Always check your lender's schedule of charges before signing.
Yes. Sole proprietors are eligible if they have 3+ years of business vintage, regular GST and ITR filings, and a credit score of 700+. Lenders assess both personal and business credit for proprietorships.
Rates typically range from 11.99% to 22% p.a. depending on lender, credit score, turnover, business vintage, and entity type. Applicants with 750+ CIBIL scores and strong financials usually qualify for the best rates.
Compare offers, check eligibility, and get funds for your Rs. 50 lakh business loan.
Apply Now
