Business Loans for Working Capital to Growth

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Business Loan EMI Calculator

Calculate your business loan EMI below and estimate your monthly instalment before you apply.

If you take a loan of

₹

₹10,000 ₹1,00,00,000

For a duration of

Months

6 Months 48 Months

At an interest rate of

% p.a.

16% 28%

Your monthly EMI is

Total Interest

Principal Amount

₹

Total Amount Payable

₹

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Loans exclusively crafted for your business

Business Term Loan

EMI based loans upto 4 years.
Unsecured/Collateral-free loans.
No financial statements required for micro loans.
End-use for operating expenses, stock / raw material purchases, business expansion, revenue generation, etc.

Supply Chain Finance

Short term upstream and downstream supply chain (invoice/bill discounting, channel/dealer financing).
Backed by trade flows.
Anchor supported and standalone solutions.
Targetted end-use funding.

What’s special about DMI Finance Business Loans?

We proudly serve Bharat’s nano, micro, small, and medium enterprises, especially women-owned businesses, with loans across industries, commerce, and businesses.

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Seamless loan process

From application and assessment to disbursal and repayment, every step is smooth and hassle-free.

Attractive interest rates

Loans at attractive interest rates based on credit-profiles to fulfil your business requirements.

Hassle-free disbursal

No more waiting days for funds! We ensure fast assessment, approval, and direct credit to your account.

Wide range of loans and tenors

Loans for various tenors suiting your specific needs.

Expert assistance whenever you need it

Quick and easy support for your loan disbursal and repayment.

Immediate support with video tutorials

24/7 chat assistance

Connect with our experts on phone

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Frequently asked questions

1. What is the maximum business loan amount I can get from DMI Finance?

DMI Finance offers business loans of up to ₹1 crore, depending on your business profile, income, credit score, and DMI Finance’s credit policy.

2. What is the interest rate on a DMI Finance business loan?

DMI Finance business loan interest rates start from 16% per annum.

3. What is the tenure of a DMI Finance business loan?

DMI Finance business loans can be repaid over a tenure of up to 48 months (4 years).

4. Do I need to give collateral for this loan?

No. DMI Finance offers unsecured business loans of up to 1 crore. So you do not need to pledge property, machinery, stock or any other asset to get it.

5. Who is eligible for a DMI Finance business loan?

You can apply for a DMI Finance business loan if you are at least 23 years old, run a business that has been operating for at least 24 months, earn an annual income of at least ₹3,00,000 from it, and have a credit score of 700 or above. Self-employed individuals, sole proprietors, traders, shopkeepers and service providers can apply.

6. What credit score is required for a DMI Finance business loan?

A credit score of 700 or above is required for a DMI Finance business loan. A higher score improves your chances of approval. You can check your credit score on the DMI Finance app before you apply.

7. Can I get a DMI Finance business loan if my business is less than 24 months old?

No. DMI Finance does not fund new business ventures, and your business must have been operating for at least 24 months to apply.

8. What documents are required to apply for a DMI Finance business loan?

You will usually need your Aadhaar, PAN, proof of your business such as a registration certificate, Shop Act licence or Udyam registration, recent bank statements and address proof. Depending on the loan amount and your risk profile, GST returns or financial statements may also be requested.

9. How do I apply for a DMI Finance business loan online?

Apply on the DMI Finance website or app. Verify your mobile number, enter your business details, choose the purpose of the loan, complete digital KYC and upload your documents, then accept the loan offer, set up a mandate for automatic EMI payments and sign the agreement digitally with an Aadhaar OTP. The whole process is online, with no branch visit needed.

10. How long does it take to get the money after approval?

Once your loan is approved and you have signed the agreement and set up the EMI mandate, the amount is credited to your bank account, typically within 24 to 72 hours of approval.

11. What can I use a DMI Finance business loan for?

You can use a DMI Finance business loan for working capital, buying stock or raw material, paying suppliers and salaries, expanding or renovating your shop or unit, and buying equipment or machinery.

12. How much will my EMI be on a business loan?

At 16% per annum on a reducing balance, a ₹10,00,000 loan over 48 months has an EMI of about ₹28,340, with total repayment of about ₹13,60,333. Over 36 months the EMI rises to about ₹35,157. A ₹1 crore loan over 48 months has an EMI of about ₹2,83,403. These are illustrative figures that exclude fees, and you can try your own numbers in the business loan EMI calculator.

13. What happens if I miss a business loan EMI?

If you miss an EMI, late payment charges apply as per DMI Finance’s late payment fee policy, and the delay can lower your credit score. Keep enough balance in the account linked to your EMI mandate on the due date to avoid this.

14. Can I get a DMI Finance business loan in my city?

Yes. DMI Finance business loans are available online across India, including metros and Tier 2 and Tier 3 cities. State pages such as business loans in Maharashtra and business loans in Delhi carry local details.

15. Can women entrepreneurs apply for a DMI Finance business loan?

Yes. DMI Finance serves micro, small and medium enterprises, including women-owned businesses, and the same eligibility criteria apply to every applicant.

16. Is DMI Finance a safe and RBI-registered lender?

Yes. DMI Finance Private Limited is a Non-Banking Financial Company registered with the Reserve Bank of India.