Business Loan Eligibility Calculator
Check how much business loan you qualify for in India
Estimate business loan eligibility based on annual turnover, profit, business age, credit score, and existing EMIs. Get a sanity-check before approaching lenders.
See real business loan offers, not estimates.
We pre-qualify you with 8 lenders, prep documents, and get sanction in 5-7 days. Free.
What is a Business Loan Eligibility Calculator?
Most Indian business owners approach banks for loans without knowing their likely eligibility range — resulting in wasted time, hard credit enquiries that lower their CIBIL score, and rejection. A back-of-envelope eligibility check before approaching a lender saves weeks of effort.
This free business loan eligibility calculator estimates how much loan you qualify for based on the five factors Indian lenders weight most: annual turnover, net profit (EBITDA), business vintage (age), credit score, and existing loan EMI obligations. It uses the rule-of-thumb multipliers that most PSU banks, private banks, and NBFCs apply.
Use it before meeting a bank relationship manager or CA. It is not a formal credit assessment — actual eligibility depends on collateral, industry, GST compliance, banking history, and the specific lender — but it gives you a realistic starting expectation.
Why use this Business Loan Eligibility Calculator
Built for Indians, by Indians. Every number, every formula, every slab — tuned to FY 2026-27 reality.
Eligibility Estimate
Approximate loan amount based on profit multiplier method.
EMI Impact
Existing EMIs reduce eligibility — see the exact impact.
Lender Type Guide
PSU bank vs. NBFC vs. fintech — different multipliers for each.
100% Private
Nothing stored or shared. Runs in browser.
Using the Business Loan Eligibility Calculator in 4 steps
No onboarding, no signup. Answer three fields and the numbers update live.
Enter annual turnover and net profit
Use your last ITR-filed figures. Most lenders use net profit after tax (PAT) or EBITDA.
Set business age and credit score
Age in years from incorporation/registration. Credit score from CIBIL, Experian, or Equifax report.
Enter existing EMI obligations
Sum of all current monthly EMI payments — home loan, car, business loans already running.
Review eligibility range
The tool shows a conservative (PSU bank) and liberal (NBFC) range. Use the conservative figure for realistic expectation-setting.
Tips to get the most out of it
File ITR consistently and accurately — lenders weight the last 2–3 years of ITR heavily.
Maintain a CIBIL score above 750 before applying. Check your score free via CIBIL, Experian, or via your bank app.
Avoid multiple loan applications simultaneously — each hard enquiry lowers your CIBIL score by 5–10 points.
If business is under 2 years old, explore MUDRA loans (up to ₹10L, no collateral), CGTMSE guarantee scheme, or revenue-based financing from NBFCs.
Consolidate existing loans before applying for new ones — a lower existing EMI burden increases new loan eligibility.
Real-world scenarios
How Indians actually use this calculator — concrete inputs, concrete outcomes.
Established trader, 5 years
Turnover: ₹2Cr. Net profit: ₹18L. Business age: 5 years. CIBIL: 760. Existing EMI: ₹0. Estimated eligibility: ₹54–72L (3–4× profit). PSU bank: ₹54L; NBFC: ₹72L.
New service business, 1.5 years
Turnover: ₹50L. Net profit: ₹8L. Business age: 1.5 years. CIBIL: 720. Existing EMI: ₹20K/mo. MUDRA Tarun or NBFC route recommended — PSU banks typically need 2+ years vintage.
Manufacturing unit, refinancing
Turnover: ₹5Cr. Net profit: ₹40L. Business age: 8 years. CIBIL: 780. Existing EMI: ₹2L/mo. Eligibility: ₹1.6–2.4Cr (4–6× profit). Bank loan + CGTMSE guarantee reduces collateral requirement.
Frequently Asked Questions
Still have a question? Our team replies within a business day.
Varies by lender and collateral. Unsecured business loans up to ₹50L are available from NBFCs. PSU banks offer secured business loans up to ₹10Cr+ for established businesses with collateral. MUDRA loans cover ₹50K to ₹10L for micro enterprises.
Typically: last 2–3 years ITR + P&L + Balance sheet, GST returns (last 12 months), bank statements (12 months), business registration certificate, KYC of promoters, and collateral documents if applicable.
Credit Guarantee Fund Trust for Micro and Small Enterprises — a government scheme that provides collateral-free business loans up to ₹2Cr through member lending institutions (MLIs). Banks charge a small guarantee fee but waive collateral requirement.
NBFCs and fintechs: 3–7 days for small ticket loans. PSU banks: 2–6 weeks depending on loan size and documentation completeness. Pre-sanctioned offers via your existing bank are fastest — often same-day.
PSU banks: 10–14% p.a. Private banks: 12–18% p.a. NBFCs: 16–24% p.a. Fintech lenders: 18–36% p.a. Rate depends on CIBIL score, business vintage, turnover, and collateral. MUDRA loans: 8–12% p.a.
Want expert help beyond the calculator? Talk to our team.
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