RESOURCES
MSME loan resources - documents and bank guides
Documents banks ask for, soft bureau checks, rejection reasons, and which product fits - so an MSME owner or CA walks into a lender conversation knowing what matters and what to fix first.
GUIDES BY TOPIC
Read before you apply.
CGTMSE explained: collateral-free loans up to ₹10 crore for micro and small businesses, 75–90% guarantee cover, 0.37–1.20% yearly fee, and how to apply.
How to Apply for a Mudra Loan Online: Step-by-Step GuideApply for a Mudra loan online on JanSamarth or your bank's site: documents to keep ready, each step, tracking your status and mistakes to avoid.
Mudra Loan Interest Rates: Bank-wise Comparison (October 2026)Mudra loan interest rates by bank after RBI's October 2026 hike: each bank's benchmark, how your rate is set, EMI at different rates and fees.
Mudra Loan: Shishu, Kishore, Tarun and Tarun Plus ExplainedMudra loan up to ₹20 lakh, no collateral: Shishu, Kishore, Tarun and Tarun Plus limits, eligibility, documents, interest and how to apply.
PMEGP Loan: Complete Guide to Subsidy, Eligibility and ApplicationPMEGP loan explained: 15–35% subsidy on project cost, limits of ₹50 lakh (manufacturing) and ₹20 lakh (service), eligibility, documents and how to apply.
MSME loans explained: who counts as an MSME from April 2025, loan types, government schemes like Mudra, CGTMSE and PMEGP, and how to pick the right loan.
How Business Loan EMI Is Calculated: Formula, Examples and TablesHow business loan EMI is calculated: the formula, a worked example, EMI tables by amount, rate and tenure, flat vs reducing rates and prepayment.
Business Loan Interest Rates in India: Lender-wise Comparison (October 2026)Business loan interest rates in India, October 2026: bank benchmarks after RBI's hike, private bank and NBFC rates and fees, and how to compare the true cost.
DOCUMENTS
What to keep ready.
Most MSME files need the same three stacks. Get these lined up before you shortlist.
WHY BANKS SAY NO
Most declines are fixable.
A “no” without a reason just repeats. Once you know the reason, you can act on it.
Some banks only fund certain PIN codes or cities. We route you to lenders that cover yours.
FixableYounger businesses fail vintage rules at some banks - NBFCs and newer grids still fit.
FixableGaps read as risk. Catching up on the last 12 months reopens compliance-led grids.
FixableFAQ
Quick answers.
What is a soft bureau check?
A soft pull is done with your consent and does not lower your CIBIL score. A hard enquiry - the one banks run at sanction - can. We never run a hard pull from this site.
Working capital or term loan?
Working capital and OD/CC suit inventory and day-to-day cash cycles. Term loans and equipment finance suit a specific capex or expansion ticket. Your shortlist will say which product each lender prefers.
Do I need collateral?
Not for every product. Many working-capital lines are unsecured. LAP and some term loans are secured. The shortlist labels which.