Compare Loan Products
Compare before you apply — the wrong product costs lakhs.
A 4–8% rate spread between products is normal. A 5-year ₹25 L loan at 22% costs ₹9 L more than at 11%. Our comparison guides walk through the trade-offs, costs and decision matrix for the most common product choices Indian MSMEs face.
Four critical comparisons
Pick the comparison relevant to your decision
Each guide includes a side-by-side feature comparison, a decision matrix based on your file strength and use case, and a worked cost illustration so you can see the rupee difference for yourself.
NBFC vs Bank
NBFC vs Bank Business Loan
Banks are cheaper but stricter. NBFCs are faster and more flexible but cost 3–8% more. The right choice depends on your file strength and urgency.
Business Loan vs LAP
Business Loan vs Loan Against Property (LAP)
Unsecured business loan: fast, smaller, expensive. LAP: slow, larger, cheap. The wrong choice costs 4–8% in rate or risks your property unnecessarily.
GST Loan vs Traditional Loan
GST Loan vs Traditional Business Loan
GST-based fintech loans are fast (3–7 days) but expensive (16–24%). Traditional bank loans are slow (4–6 weeks) but cheap (10–14%). Choose by urgency.
Private vs Public Sector Bank
Private vs Public Sector Bank Business Loans
PSU banks offer the lowest rates but slowest TAT. Private banks are faster and more flexible but slightly costlier. Here's how to choose.