Who Should Apply?
Business Owners with Irregular Cash Flow
Traders and Service Providers
Agencies, Freelancers, and Self-Employed Professionals
Businesses with Short-Term Working Capital Needs
Loan Highlights
Loan Amounts
₹2 Lakhs to ₹1 Crore
Tenure
Up to 5 Years (with monthly reducing limits)
Interest Rate
Pay only on amount used.
Top-Up Options
Available based on utilization
Eligibility Criteria
- Age 26 to 60 Years
- Business Vintage Minimum 2 years of operations
- Credit Score CIBIL 675+ (or Bureau Score)
- ITRs Minimum ₹3 Lakhs p.a. reported income
- Age 25 to 60 Years Turnover (Preferred) ₹10 Lakhs to ₹5 Cr annually
Eligibility & Documents
For Business Owners:
- PAN, Aadhaar, GST Certificate
- Business Address Proof
- Bank Statements (Last 12 Months)
For Self-Employed:
- ITRs & Financials (Last 2 Years)
- Existing Loan Sanction Letters (if any)
Apply Now
Our Process
01
Apply with IRA → Profile Evaluation & Documentation
02
→ Bank Options Shared → Sanction & Limit Setup
03
→ Access Funds via Bank Account →
04
Use as Needed
05
→ Interest Only on Utilized Amount
Let's Unlock Your
Financial Potential - Together
Whether you're reaching out for loan consulting or interested in becoming a partner, we're here to support your financial journey.