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Business loans up to ₹2 Crore.
Expand operations, buy inventory or strengthen working capital. Your Crown Membership opens a ladder of 13 business loans from RBS Nidhi, from ₹10,000 up to a total of ₹2 Crore.
Capital to take your business further
A business loan straightens the finances of small and large companies alike, whether you need funds to close annual taxes, buy equipment or grow your team. With RBS Nidhi, your Crown Membership turns it into a ladder that grows with your business.
Step 1, ₹10,000, opens 72 hours after your membership is active. Five starter steps take you from ₹10,000 to ₹50,000; from ₹1 Lakh the amount doubles at every step, through 13 steps that add up to ₹2 Crore. Every step is charged interest at 13% a year and a processing fee of 5% of the loan amount. You receive the full loan amount; the processing fee is paid with your repayment, never deducted upfront.
Repay a step in full to unlock the next: the five starter steps, with interest and the fee, within their window, in one go or in parts, and steps from ₹1 Lakh upwards in EMIs of up to 60 months, with the fee split equally across them.
Apply for a loanOne ladder, one simple rate
Each step is a loan from RBS Nidhi at 13% a year. You receive the full amount and pay the 5% processing fee with your repayment. Repay a step in full and the next one unlocks 240 hours later.
- Step 1 ₹10,000
- Step 2 ₹15,000
- Step 3 ₹20,000
- Step 4 ₹25,000
- Step 5 ₹50,000
- Step 6 ₹1 L
- Step 7 ₹2 L
- Step 8 ₹4 L
- Step 9 ₹8 L
- Step 10 ₹16 L
- Step 11 ₹32 L
- Step 12 ₹64 L
- Step 13 ₹71.8 L
How a business loan helps you
From day-to-day cash flow to your next big opportunity — and many more urgent business needs.
Business expansion
Expand your physical location or seize an opportunity that outweighs the potential debt.
Inventory
Purchase more inventory to meet demand without straining cash flow.
Hiring fresh talent
Bring in the human resources your business needs to grow.
Tax payments
Arrange immediate funds to close your annual taxes on time.
Equipment
Update and upgrade your business equipment.
Working capital
Keep your business's cash flow healthy between payments.
Top features of our business loan
Loans that grow with you
13 steps from ₹10,000 up to ₹2 Crore in total, the amount doubling from ₹1 Lakh upwards.
One simple rate
13% a year on every step, plus a 5% processing fee that you pay with your repayment. You always receive the full loan amount.
Step 1 opens in 72 hours
Step 1 opens 72 hours after your membership is active, and the loan goes to your bank account. The disbursal process can take 3–5 business days.
No foreclosure charges
Repay a loan early at no extra cost. If a payment is overdue, penal charges apply to the overdue amount in line with RBI guidelines.
Free expert consultancy
Our experts advise you throughout the entire loan process, empowering you to make wiser choices.
Business Loan — who can apply
- Applicants must be between 21 and 65 years of age.
- Individuals, MSMEs, sole proprietorships, partnership firms, public and private limited companies, limited liability partnerships, retailers, traders, manufacturers and other business entities in the services, trading and manufacturing sectors.
- Business vintage of at least 1 year.
- Business experience of at least 1 year, with the business location remaining the same.
- Annual turnover of ₹12 Lakh and above for existing enterprises.
- A minimum CIBIL score of 750.
- The applicant must own a residence, office, shop or godown.
Frequently asked questions
Your Crown Membership opens 13 business loans from RBS Nidhi, from ₹10,000 up to a total of ₹2 Crore. Step 1 opens 72 hours after your membership is active, and each time you repay a step in full, the next one unlocks 240 hours later.
Step 1 opens 72 hours after your membership is active. Once you accept a loan's agreement and Key Fact Statement, the full amount is sent to your bank account. The disbursal process can take 3–5 business days.
Yes. There are no foreclosure charges: you can repay a loan in full before it is due, at no extra cost. The next step then unlocks 240 hours later. If a payment is overdue, penal charges apply to the overdue amount in line with RBI guidelines, as set out in your loan agreement and Key Fact Statement.
Every step is charged interest at 13% a year and a processing fee of 5% of the loan amount. The fee is never deducted from your loan: on step 1 you receive ₹10,000, then repay ₹10,660 within 45 days, in one go or in parts (₹10,000 loan + ₹160 interest + ₹500 processing fee). On EMI steps the fee is split equally across your EMIs: on ₹1 Lakh over 36 months you pay ₹3,508 a month, a ₹3,369 EMI plus ₹139 of fee. The loan agreement and Key Fact Statement for each loan show the exact cost before you accept it.
- Human resources
- Purchasing more inventory
- A business opportunity that outweighs the potential debt
- Bringing in fresh talent
- Tax payments
- Expanding your physical location
And many more urgent purposes. For details, see the eligibility criteria above.
- Age between 21 and 65 years
- CIBIL score of 750 or more
- Business vintage of at least 1 year
- Annual turnover of ₹12 Lakh and above for existing enterprises
- Your balance sheet will be examined by a registered Chartered Accountant (CA)
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Get financing for whatever you need, now.
Become a Crown member: step 1 of your loan ladder opens 72 hours after joining.