Business loan by amount
₹25 Lakh Business Loan.
Above the standard Mudra scheme cap — business quality and vintage matter more at this size. See your EMI below.
Where ₹25 lakh sits
₹25 lakh is well beyond Mudra's ₹10 lakh ceiling, so this is a regular MSME term or working capital loan. It can still qualify for CGTMSE's collateral-free guarantee cover if your business is eligible, but lenders now expect more formal documentation — typically 2-3 years of ITR and GST returns — rather than the lighter process smaller Mudra-backed loans use.
- Principal amount
- ₹25,00,000
- Total interest
- ₹9,12,980
- Total amount
- ₹34,12,980
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | ₹3,79,691 | ₹3,02,905 | ₹21,20,309 |
| 2 | ₹4,32,100 | ₹2,50,496 | ₹16,88,208 |
| 3 | ₹4,91,746 | ₹1,90,850 | ₹11,96,463 |
| 4 | ₹5,59,620 | ₹1,22,976 | ₹6,36,841 |
| 5 | ₹6,36,842 | ₹45,727 | ₹0 |
Frequently asked questions
Do I need collateral for a ₹25 lakh business loan?
It depends on the lender — many banks still offer unsecured business loans at this size for established businesses with strong financials, though some require collateral or a CGTMSE guarantee cover above certain internal thresholds. This exceeds the standard Mudra scheme's ₹10 lakh cap.
What business profile is typically needed at this size?
Lenders generally expect at least 3 years of business vintage, consistent turnover growth, and clean repayment history on any existing credit — this is a size where business quality matters more than just meeting a minimum eligibility bar.