MSME loans
MSME Loan (Saral)
Daily and monthly installment micro-loans designed for working capital and inventory needs of local shopkeepers.
- Target
- Shopkeeper
- Loan amount
- ₹1,00,000
- Loan period
- Up to 1 year
- Rate of interest
- 20% p.a.
Product & Services
Tailored credit solutions: structured corporate debt, MSME loans, and growth financing.
Our loan products
Loans for small businesses, corporates and enterprises
From daily-installment shopkeeper micro-loans to corporate debt syndication and property acquisition finance, we provide credit solutions tailored to every stage of business growth.
Business loans
Business Loan
Flexible financing for working capital, equipment purchase, and cash flow to support growing small enterprises.
- Target
- Small business
- Loan amount
- ₹5,00,000
- Loan period
- Up to 3 years
Business loans
Bill Discounting Loan
Short-term invoice financing against unpaid freight bills to maintain steady cash flow for transport operators.
- Target
- Transporter
- Loan amount
- ₹6,00,000
- Loan period
- Up to 90 days
Business loans
Car / Two Wheeler Loan
Quick vehicle financing with manageable EMIs for self-employed individuals and salaried professionals.
- Target
- Self / salaried employees
- Loan amount
- ₹5,00,000
- Loan period
- Up to 3 years
MSME loans
Salary Advance Loan
Emergency short-term cash support for salaried individuals to cover unforeseen medical or family expenses.
- Target
- Income household
- Loan amount
- ₹1,00,000
- Loan period
- Up to 1 year
Corporate finance
Structured Finance / Debt Syndication
Arranging structured debt, rupee term loans, and syndicated bank credit for corporate growth and project finance.
- Target
- Corporate & institutional clients
- Loan amount
- Custom limits
- Loan period
- Multi-year
Property & acquisition
Acquisition Finance Against Properties
Specialized lending backed by commercial and residential real estate to finance strategic acquisitions and buyouts.
- Target
- Corporates, promoters & HNIs
- Loan amount
- Valuation-linked
- Loan period
- Up to 10 years
Cross-border finance
External Commercial Borrowings (ECB)
Facilitating foreign currency loans and overseas debt syndication under RBI automatic and approval routes.
- Target
- Eligible Indian corporates
- Loan amount
- RBI framework limits
- Loan period
- 3 to 5+ years
Growth capital
Private Equity
Direct equity investments and growth capital to help scalable enterprises accelerate market expansion.
- Target
- Growth-stage enterprises
- Loan amount
- Growth capital
- Loan period
- Long-term partnership
Structured debt
Project & Mezzanine Finance
Subordinated debt and tailored hybrid financing engineered to bridge funding gaps for major project developments.
- Target
- Infrastructure & industrial projects
- Loan amount
- Project-based
- Loan period
- Medium to long-term
Advisory services
Private Equity Advisory
End-to-end advisory assisting promoters with valuation, investment memorandums, and institutional investor outreach.
- Target
- Promoters & expanding businesses
- Loan amount
- Advisory mandate
- Loan period
- Transaction-based
Charges
Schedule of charges
Loans to MSMEs (unsecured), for the SARAL daily and monthly loans.
| Applicable charges | SARAL (Daily Loan) | SARAL (Monthly Loan) |
|---|---|---|
| Rate of interest | 20% p.a. | 20% p.a. |
| Processing fee (non-refundable) | 1% plus GST as per applicable rates | 4% plus GST as per applicable rates |
| Insurance charges | On actual basis | On actual basis |
| Penal charges for late payments (during the tenure of the loan) | 0.17% of the overdue installment per day during no. of days of delayed payment | 5% p.m. of the due installment for no. of days of delayed payment |
| Penal charges for late payments (post tenure overdue cases) | 0.33% per day on the outstanding amount up to 30 days after maturity period. 0.20% per day on the outstanding amount if DPD >30 days to 45 days after the loan maturity date. | 0.33% per day on the outstanding amount up to 30 days after maturity period. 0.20% per day on the outstanding amount if DPD >30 days to 45 days after the loan maturity date. |
| Pre-payment charges | NIL | NIL |
| Cheque / NACH bounce charges | NIL | Rs. 350 per event |
| Stamp duty | Up to Rs. 100 | Up to Rs. 100 |
Plan your loan
Estimate your Saral instalment
Move the sliders to see your daily or monthly instalment, total interest and processing fee.
Saral MSME loan calculator
₹10,000₹1,00,000
3 months1 year
Indicative figures at 20% p.a. on reducing balance, with a processing fee of 1% plus GST, as per our schedule of charges. Final terms are confirmed in your loan agreement.
Daily instalment
₹151
for 365 days
- Total interest
- ₹5,180
- Processing fee (incl. GST)
- ₹590
- Total you repay
- ₹55,180
How we lend
Simple 10-step loan approval process
Documents
Charges and codes of conduct
Vinayana Investment & Finance Limited practices the following codes of conduct.
Ready to grow your business with us?
Talk to our team about the loan that fits your shop or business. Call us toll free, or leave your number and we'll call you back within the same working day.