Regulated NBFC / FinTechOverdraft / Cash CreditSmall Enterprise (Investment ≤ ₹10 Cr)🛡️CGTMSE CoveredVerified: 2026-09-29

Bajaj Finserv MSME Loan (Flexi Loan Facility)

Primary Lending Institution:Bajaj Finance Ltd. (Bajaj Finserv)

₹5 Lakh to ₹80 Lakh MSME credit at 11.00% – 16.00% with Up to 8 years tenure.

Interest Rate11.00% – 16.00%Linked to EBLR / MCLR / Risk

Loan Amount Quantum₹5 Lakh to ₹80 LakhBased on turnover & project cost

Repayment TenureUp to 8 yearsWith moratorium where applicable

Collateral SecurityHigher interest rates compared to PSU bank loans; requires minimum CIBIL score of 720.

What's Missing: Crucial Fine-Print & Exclusion Gaps

Higher interest rates compared to PSU bank loans; requires minimum CIBIL score of 720.

Note: Eligo publishes these regulatory and commercial exclusions directly from bank product guidelines and CGTMSE rules to protect MSME applicants from unexpected fee debits or loan rejection surprises.

What is Bajaj Finserv MSME Loan (Flexi Loan Facility)?

Industry-leading Flexi Loan facility allowing multiple withdrawals and prepayments with interest charged solely on utilized amounts.

Key Benefits & Features

Flexi Loan facility reduces monthly EMI burden by up to 45%; 24-hour approval; zero physical collateral.

Government Subsidy & Credit Guarantee Coverage

CGTMSE / Bank Guarantee / Normal Security

Enterprise Eligibility Criteria

Self-employed professionals, traders, and manufacturing units with minimum 3 years vintage.

Business Vintage3+ Years in Operation

Min. Annual Turnover₹50.0 Lakh

Processing Fee1.50% to 2.50% + GST

Prepayment TermsZero prepayment penalty on floating rate loans as per regulatory norms

How to Apply (3 Verified Paths)

💼Path 1: Current Account Portal

Apply online via business net banking or approach loan account manager.

🌐Path 2: Official FinTech / Govt Portal

Apply online at https://www.bajajfinserv.in/msme-loan with digital KYC and financial statements.

🏢Path 3: SME Banking Center Walk-In

Visit nearest MSME branch of the institution with business registration and bank statements.

Eligo does not collect business loan applications or financial data. Apply directly on the verified official domain:

Visit Official Portal↗

Documents Required Checklist

Udyam Registration Certificate, PAN, Aadhaar, Last 2 years ITR and financial statements, 12 months GST returns, 6 months bank statement.

Frequently Asked Questions

What is the maximum loan tenure and amount for Bajaj Finserv MSME Loan (Flexi Loan Facility)?

Borrowers can avail ₹5 Lakh to ₹80 Lakh with a repayment tenure of Up to 8 years.

What are the processing charges and collateral terms for Bajaj Finserv MSME Loan (Flexi Loan Facility)?

The processing fee is 1.50% to 2.50% + GST. Collateral terms: Higher interest rates compared to PSU bank loans; requires minimum CIBIL score of 720.

What are the eligibility criteria for Bajaj Finserv MSME Loan (Flexi Loan Facility)?

Self-employed professionals, traders, and manufacturing units with minimum 3 years vintage. Minimum business vintage required is 3 year(s).

How can an applicant apply for Bajaj Finserv MSME Loan (Flexi Loan Facility)?

Apply online at https://www.bajajfinserv.in/msme-loan or visit nearest branch with KYC, Udyam registration, and bank statements.