Business loans up to ₹75 Lakh, collateral-free
Fuel your growth with fast, paperless business loans. Compare rates from India's leading banks and NBFCs, get in-principle approval instantly, and disbursal within 72 hours.
Why choose Catfin
Starting 10.50% p.a.
Transparent interest rates with no hidden charges.
Loan up to ₹75 Lakh
Collateral-free business funding based on cashflow & vintage.
Tenure 12–60 months
Choose a flexible repayment tenure that suits your cashflow.
72-hour disbursal
Fast digital processing with minimal documentation.
Compare top lenders
Transparent side-by-side comparison of the most competitive offers on Catfin.
HDFC Bank
ICICI Bank
RBI-Regulated Partners
All lenders on Catfin are licensed by the Reserve Bank of India.
Transparent Pricing
No hidden fees. All charges disclosed upfront before you apply.
Eligibility & documents
Who can apply
- Indian citizen, age 21–65 at loan maturity
- Monthly income ₹25,000+ (salaried) or turnover ₹40L+ (self-employed)
- CIBIL score 700+ for best interest rates
- Minimum 2 years work experience or business vintage
- Stable residence and employment history
Documents required
- PAN card and Aadhaar card (KYC)
- Salary slips (last 3 months) or ITR (last 2 years)
- Bank statements (last 6 months)
- Proof of address — utility bill / rent agreement
- For business: GST returns, financials, MSME / Udyam certificate
How Catfin works
From comparison to money in your account — four simple steps, fully digital.
Compare
Browse curated offers from RBI-regulated lenders.
Apply
Fill one simple form with Aadhaar-based digital KYC.
Approve
Instant in-principle decision from matched lenders.
Disburse
Money credited directly to your bank account.
Calculate your EMI
Estimate your monthly payment. Built for the Indian market — uses the standard reducing-balance formula used by every RBI-regulated lender.
- Principal
- ₹10,00,000
- Total Interest
- ₹2,89,634
- Total Payable
- ₹12,89,634
Fees & charges
| Charge | Amount |
|---|---|
| Processing fee | Up to 2.50% of loan amount |
| Prepayment (floating) | Nil for individual borrowers |
| Prepayment (fixed) | 2% – 5% of outstanding |
| Late payment | 2% per month on overdue EMI |
| Loan cancellation | ₹1,000 + GST |
| Document / statement reissue | ₹500 per request |
Indicative industry charges. Final fees vary by lender and borrower profile. All charges disclosed in the sanction letter before disbursal.
What our customers say
“Got my working capital loan in 48 hours. The comparison tool saved me 1.2% on interest.”
“Clear breakdown of fees and EMI. No surprises at disbursal. Best fintech experience in India.”
“Home loan balance transfer through Catfin saved my family ₹3.2 lakh over the remaining tenure.”
Frequently asked questions
What is the eligibility for a Catfin business loan?+
Self-employed professionals and business owners with a minimum business vintage of 2 years, a turnover of ₹40 Lakh+, and a CIBIL score of 700+ are eligible.
How long does approval take?+
Most applications receive an in-principle decision within minutes. Full disbursal typically occurs within 72 hours of submitting complete documentation.
Is collateral required?+
No. Loans up to ₹75 Lakh on Catfin are unsecured. Collateral may be requested for higher ticket sizes.
Rates sourced from HDFC Bank and ICICI Bank official published schedules as of April 13, 2026. Final rate depends on CIBIL score, turnover and documentation.