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business's and MSMEs can get a loan of up to ₹ 75 Lakh with L&T Finance.
Any business entity under micro, small, or medium enterprises can apply for an business/MSME Loan. This includes proprietorships, partnerships, private and public limited companies, and other business structures.
Udyam registration is beneficial as it officially recognises your enterprise as an MSME, making you eligible for various government schemes and subsidies. It simplifies access to loans and credit at lower interest rates and can also help you obtain licences, approvals, and registrations more easily.
You can determine if your enterprise qualifies as an MSME/Business based on investment in plant and machinery or equipment and annual turnover. For manufacturing and service enterprises:
- Micro: Investment up to ₹ 1 Crore and turnover up to ₹ 5 Crore
- Small: Investment up to ₹ 10 Crore and turnover up to ₹ 50 Crore
- Medium: Investment up to ₹ 50 Crore and turnover up to ₹ 250 Crore
The maximum tenure for an business Loan is 60 months with L&T Finance.
Yes, applicable taxes like GST may be added to processing fees and other charges.
Yes, negotiation is possible, especially if you have a strong credit profile and business stability.
A higher credit score often results in lower MSME interest rates due to reduced lender risk.
Higher turnover demonstrates repayment capacity and may lead to better rates.
A financially strong co-applicant can enhance loan eligibility and reduce the interest rate.
