MSME Loans

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Designed to Keep Your Business Moving

Get the capital you need—when you need it. Our flexible MSME loan helps small and medium enterprises manage daily working capital with ease.

Daily-Weekly Repayment, Made Simple

Pay in small, daily instalments that align with your cash flow—no big end-of-month surprises.

Flexible Loan Amounts

We have flexible, low-ticket size short-term working capital loans at attractive interest rates. Ideal for short-term working capital needs.

Available Across India

Apply from anywhere in India (except restricted PIN codes). Fully digital process—no branch visits required.

Transparent Pricing

Interest rates from 18% to 36% p.a. on a reducing balance

Processing fee: 0% to 5%

No hidden charges or insurance fees

Foreclose anytime with zero extra charges

Grace & Moratorium Period

Start repaying after a 15-day moratorium. You also get a 10-day grace period to manage repayments stress-free.

No Co-Applicant Needed

Apply on your own—no co-applicant or property required. Based on your credit and business data.

Multiple Loans Within One Limit

Use your approved limit flexibly—up to 5 active loans are allowed at once. Minimum loan size ₹10,000 .

100% Digital Process

From KYC to disbursement, everything is online. Just upload your documents and get funded fast.

Smart Repayment Options

Repay through escrow, NACH, or secure payment links. Your schedule is shared upfront, so you're always in control.

What You Need to Apply

Basic KYC documents

Digital loan agreement with Key Fact Statement (KFS)

Escrow account authorization

Loan request form

Need working capital without the hassle?
Apply now and take your business forward—on your terms.

NAVKAR NIVESH

For over 30 years, we have been a pillar of financial empowerment, providing trusted and tailored financial solutions to individuals and businesses across India. As a leading Non-Banking Financial Company (NBFC), we have built a legacy rooted in integrity, reliability, and customer-centric services.

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