Product Overview
Fuel Your Business Growth with MSME Loans
MSME Loans are designed to support Micro, Small & Medium Enterprises by providing working capital, funds for expansion, equipment, and infrastructure financing. These loans come with competitive rates and flexible terms to help your business thrive.
- Funds for working capital, expansion & equipment
- Competitive interest rates & flexible repayment options
- Easy and transparent application process
- Minimal documentation and quick processing
- Tailored for MSMEs to grow and scale operations
- Expert support throughout your loan journey
Why Choose Our MSME Loan?
Support tailored to your business needs
Our MSME Loan solutions are crafted to address the unique financial needs of small and medium businesses — whether you need cash flow support, funds for growth, or finance for equipment and operations. Enjoy competitive rates, flexible repayment, and a seamless loan experience.
Working Capital Support
Competitive Interest Rates
Flexible Repayment Terms
Minimal Documentation
Swift Approval & Disbursal
MSME Loan Benefits
Delivering business financing that empowers growth
Customized Financing
Tailor your MSME Loan to fit your business requirements and growth plans.
Affordable Rate Structures
Competitive interest rates designed to keep your business finances manageable.
Operational Cash Flow Assistance
Access funds to maintain operations, stock, and commitments without disruption.
Support for Expansion
Finance growth initiatives such as new equipment, infrastructure, or services.
Quick Loan Processing
Faster assessments and disbursals to meet business timelines.
Dedicated Support
Professional guidance throughout your MSME Loan application journey.
Eligibility & Documents
Check MSME Loan eligibility and required documents
✓ Eligibility Criteria
- Eligible Business Type: Micro, Small, and Medium Enterprises registered under applicable government norms.
- Business Experience: Minimum 1–3 years of operational track record is preferred.
- Income Stability: Business should generate consistent income to support loan repayment.
- Credit History: A healthy credit score improves chances of approval.
- Business Viability: Clear business plan and repayment strategy are evaluated.
📄 Required Documents
KYC / PAN / Net Worth
- PAN/Aadhar/KYC (All Borrower/Directors/Guarantor)
- Pan Card of firm in case of partnership firm/Company
- CA certified Net Worth of company, directors / Partners & Guarantors
Business Constitution Documents
- ΑΟΑ&ΜΟA in case of PVT LTD Company
- Partnership Deed in case of Partnership firm
- Udyam Registration Certificate
- GST Certificate if any
- Shop Act/Grampanchyat NOC
- Other permission/License if any
Premises / Ownership
- Latest Electricity Bill of unit
- Copy of rent agreement in case the activity site is on rental otherwise Ownership Proof
- Latest 7/12, Index II confirming ownership
Banking / Stock
- Current And CC Account Statement maintained with other Bank Last 1 year
- Latest Stock Statement with age wise Debtor and Creditor
Financials / GST / Tax
- GSTR 3B last 1 years from last filed and GSTR 9 last 1 years
- ITR with computation of last 3 years of firm & All directors
- Provisional/estimated B/S along with P&L and all Annexure
- Last 3 years B/S P&L and all Annexure
Business Profile / Orders / Projections
- Projected Balance Sheet for next 5 years in CC & 7 years in TL
- Contract agreement
- Brief Business profile along with 5 buyers, 5 suppliers details
- Work Order in Hands
✓ Eligibility Criteria
- Eligible MSME business with stable income.
- Minimum 1–3 years of business operations.
- Good credit history preferred.
- Clear repayment capacity and business continuity.
📄 Required Documents
KYC / PAN / Net Worth
- PAN/Aadhar/KYC (All Borrower/Directors/Guarantor)
- Pan Card of firm in case of partnership firm/Company
- CA certified Net Worth of company, directors / Partners & Guarantors
Business Constitution Documents
- ΑΟΑ&ΜΟA in case of PVT LTD Company
- Partnership Deed in case of Partnership firm
- Udyam Registration Certificate
- GST Certificate if any
- Shop Act/Grampanchyat NOC
- Other permission/License if any
Premises / Ownership
- Latest Electricity Bill of unit
- Copy of rent agreement in case the activity site is on rental otherwise Ownership Proof
- Latest 7/12, Index II confirming ownership
Banking / Stock
- Current And CC Account Statement maintained with other Bank Last 1 year
- Latest Stock Statement with age wise Debtor and Creditor
Financials / GST / Tax
- GSTR 3B last 1 years from last filed and GSTR 9 last 1 years
- ITR with computation of last 3 years of firm & All directors
- Provisional/estimated B/S along with P&L and all Annexure
- Last 3 years B/S P&L and all Annexure
Business Profile / Orders / Projections
- Projected Balance Sheet for next 5 years in CC & 7 years in TL
- Contract agreement
- Brief Business profile along with 5 buyers, 5 suppliers details
- Work Order in Hands
✓ Eligibility Criteria
- Registered MSME business with stable operations.
- Consistent business income and cash flow.
- Acceptable credit score.
- Business viability and repayment capacity.
📄 Required Documents
KYC / PAN / Net Worth
- PAN/Aadhar/KYC (All Borrower/Directors/Guarantor)
- Pan Card of firm in case of partnership firm/Company
- CA certified Net Worth of company, directors / Partners & Guarantors
Business Constitution Documents
- ΑΟΑ&ΜΟA in case of PVT LTD Company
- Partnership Deed in case of Partnership firm
- Udyam Registration Certificate
- GST Certificate if any
- Shop Act/Grampanchyat NOC
- Other permission/License if any
Premises / Ownership
- Latest Electricity Bill of unit
- Copy of rent agreement in case the activity site is on rental otherwise Ownership Proof
- Latest 7/12, Index II confirming ownership
Banking / Stock
- Current And CC Account Statement maintained with other Bank Last 1 year
- Latest Stock Statement with age wise Debtor and Creditor
Financials / GST / Tax
- GSTR 3B last 1 years from last filed and GSTR 9 last 1 years
- ITR with computation of last 3 years of firm & All directors
- Provisional/estimated B/S along with P&L and all Annexure
- Last 3 years B/S P&L and all Annexure
Business Profile / Orders / Projections
- Projected Balance Sheet for next 5 years in CC & 7 years in TL
- Contract agreement
- Brief Business profile along with 5 buyers, 5 suppliers details
- Work Order in Hands
Frequently Asked Questions
Get answers to common queries about our MSME Loan
What is a MSME Loan?
A MSME Loan is a loan provided by a financial organisation to help individuals or families purchase a home. It allows borrowers to finance the purchase of a property by borrowing money from the lender and repaying it over a specified period of time, along with interest.
What documents are required for a salaried individual to apply for a MSME Loan?
Following documents of a salaried person are needed to apply for MSME Loan.
- KYC documents (identity and address proof)
- Income proof (Salary slips)
- Last 6 months account statements
What documents are required for a self-employed individual to apply for a MSME Loan?
Following documents of a salaried person are needed to apply for MSME Loan.
- KYC documents (identity and address proof)
- Income proof (P & L Statement)
- Last 6 months account statements
- Business Proof
What are the interest rates for MSME Loans offered by Jfinserv?
The interest rate for MSME Loans offered by Jfinserv is based on market conditions, the loan amount, tenure, and the applicant's credit profile. Jfinserv strives to offer competitive interest rates to make home ownership affordable for its customers.
What is the maximum loan amount and tenure offered for MSME Loans by Jfinserv?
The maximum loan amount and tenure offered for MSME Loans may vary depending on factors like applicant's income, repayment capacity, and the value of the property. Jfinserv offers competitive loan amounts and flexible repayment tenures to suit the needs of borrowers.
What is the process for applying for a MSME Loan with Jfinserv?
The process for applying for a MSME Loan involves, filling out an application form, submitting the required documents, undergoing credit appraisal, property valuation, and loan approval. Our dedicated team of experts will assist you at every step of the application process to ensure a smooth and hassle-free experience.
What are the different types of MSME Loans offered by Jfinserv?
Jfinserv offers various types of MSME Loans to meet the diverse needs of customers, including home purchase loans, home construction loans, home improvement loans, and balance transfer loans. Each type of loan is designed to address specific requirements related to buying, constructing, or renovating a home.