Eligibility criteria
- Business vintage 3+ years
- Profitable last 2 years
- Strong banking & balance sheet
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Term Loan
Structured Term Loans for Capital Expansion
Long-term funding for machinery, project execution, infrastructure, or fixed assets with structured repayment.
- Tenure up to 10 years
- Fixed monthly / quarterly EMI
- Moratorium available
- High-value funding
Interest from 10.5% p.a.
EMI calculator
Plan your repayment
EMI Calculator
Live calculationQuick presets
50k50 L
Starting 9.9%*Up to 24%
1 yr5 yrs
No prepayment20% / year
Monthly EMI
₹ 10,747
for Personal Loan · 5 years @ 10.50%
Principal 78% Interest 22%
Principal₹ 5.00 L
Total interest₹ 1.45 L
Total payable₹ 6.45 L
*Indicative EMI based on the selected rate. Final rate, tenure and EMI are at the lender's discretion and depend on your credit profile.
Interest rates mentioned are indicative and final interest rates, eligibility, and approval terms are subject to lender policies and applicant profile.
Documents required
- 3 years ITR + audited financials
- Project report
- 12 months bank statement
- KYC & business proof
Fees & charges
Processing 1–2%, stamp & legal actuals.
Why route through Velixa
- Lowest rates from 40+ banks & NBFCs
- Single-window documentation
- Dedicated relationship manager
- Transparent fee disclosure
- Pre-approval eligibility checks
- Post-disbursal servicing support
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Other loan products
Personal Loan
Unsecured funds for personal needs — rates starting from 9.9%* p.a. onwards, disbursed in 24–72 hours.
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Business Loan
Collateral-free MSME funding up to ₹1 Cr* — rates ranging from 8.00%* to 30.00%* p.a.
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Home Loan
Buy, build or renovate your home — rates starting from 8.35%* p.a. onwards.
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Loan Against Property
Unlock liquidity from residential or commercial property.
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