Business Loan offerings by Piramal Capital & Housing Finance Ltd. (Piramal Finance)
Key Features
Loan Amount Up To

₹ 25 lakhs

Loan Tenure Up To

15 Years

Interest Rates Starting At

12.50% p.a

For detailed fees and charges Click here *T&C apply

Who Can Apply?

The eligibility criteria mainly depends on your employment. Calculate the EMI & check your eligibility.

Calculate EMI & Check eligibility
  • EMI Calculator
  • Eligibility Calculator
Your business loan EMI is
Principal amount
Interest amount
Documents Required
For a Secured Business Loan we require certain documents based on profession / occupation of applicant.
KYC Documents
Proof of Identity & Address
Income Documents
Proof of Income
Passport Size photographs

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Our Happy Customers

We are in the business of financial planning but the day I finalized my property, I needed to get a business loan. I found Piramal Finance to be the best option. They catered to all the requirements of their customers and helped me at every single step along the way.

Nirmal Dand
Financial Planner

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Benefits of Getting a Secured Business Loan From Piramal Finance

At Piramal Finance, we understand cash flows are often unique to each business and repaying a loan should not add to your cash flow woes. To help Bharat's customers manage their money, our Secured Business Loan has a provision that allows you to repay your loans every 15 days

Wide Range of collaterals
Business loans provide funding across a wide range of collateral and different types of properties.
Quick approvals
Save time with our smooth processes and speedy sanctions.
Higher eligibility and loan amount
Benefit from our extensive assessment process to enjoy maximum loan amounts.
Doorstep service
Get a loan without leaving your office or home.
Lower Interest Rate
You can borrow the amount at a lower interest rate
Large Loan Amount
Good financial history and credit score can help you grab a large loan amount.
Flexible Repayment
You get entitled to flexible business loan eligibility and easy repayment options with a longer loan tenure (affordable EMIs).
Tax Benefits
These loans entitle you to tax benefits under the Income Tax Act, 1961.

Explore the Types of Secured Business Loans

Business Loans Secured By Collateral:

India has several types of secured business loans. Some business loans are secured by the collateral owned and provided by the company.

A business loan against property is perhaps the most typical and widely offered secured loan type. These loans often come with the longest tenure due to the high value of the mortgaged property. Business loans against fixed deposits, government securities, and even savings accounts are considered secured business loans. You won’t be able to access or use the funds kept mortgaged as security until you repay the loan completely.

Some other popular secured business loan options include loans against gold.

Business Loans Secured By Personal Guarantee

Secured business loans, especially those for small businesses, are offered against the personal guarantee of the business owners. No matter if your business doesn’t have anything to provide as security, we offer small business loans based on your personal guarantee. 

To secure the loan, you can use your private-owned land, property, or gold. The property can be kept as secure as unlimited or limited period liability, and it can be ceased if you don’t repay the installments on time.

What’s The Difference Between Secured Business Loan & Unsecured Business Loan

Business Loan
Business Loan
Higher loan amountLower loan amount
Lower interest rate Higher interest rate
Long tenure for loan repaymentShort tenure for loan repayment
Collateral requirementNo collateral requirement

Risk Gradation

All 'Borrower/s' on the loan facility are hereby informed that the company has the following approach and considers the following factors for assessing the gradation of risks for each Borrower:

  • Profile, the market reputation of the borrower including usage of internal credit scoring models leveraging traditional approaches like Bureau performance as well as alternative data sources,
  • Inherent nature of the product, type/nature of the facility, refinance avenues, whether the loan is eligible for bank financing, loan to value of asset financed,
  • Tenure of relationship with the borrower, past repayment track record, and historical performance of our similar clients,
  • Overall customer yield, future potential, repayment capacity based on cash flows and other financial commitments of the borrower,
  • Nature and value of primary and secondary collateral/security,
  • Type of asset being financed, end use of the loan represented by the underlying asset,
  • Interest, default risk in the related business segment,
  • Regulatory stipulations, if applicable, and
  • Any other factors that may be relevant in a particular case
  • Tenure, quantum, repayment schedule, and structure (including proposed moratorium, if any) of the proposed loan

The rate of interest for the same tenor for different clients can be different depending upon the combination of one or more factors listed above.

More Business Loan Products
Loan Against Property
If you are a growing business and often face cash flow issues, you can use our Loan Against Property to resolve these...

Key Features
Working Capital Secured Business Loan
Don't let the lack of funds come in the way of business success. Leverage your passive assets such as residential...

Key Features
Frequently Asked Questions
Is a secured business loan the same as a loan against property?
piramal faqs

How does a lender decide the amount given as a secured loan for business?
piramal faqs

What can a secured business loan be used for?
piramal faqs

What types of properties can be used to get secured business loans?
piramal faqs

How to apply for a secured business loan?
piramal faqs