Business Loan Eligibility Kaise Calculate Hota Hai? | CompareEMI.in
Business loan lene ka plan bana rahe hain? Toh sabse pehle yeh samajhna zaroori hai ki aapki eligibility kaise calculate hoti hai. Har bank ya NBFC kuch specific formulas aur parameters use karta hai jaise:
- Annual turnover
- Net profit (PAT)
- Existing EMIs
- Business vintage
- CIBIL score
- Property value (agar secured loan hai)
Chaliye step-by-step samajhte hain:
1. Turnover Based Eligibility
Yeh sabse simple aur common method hai:
✅ Eligible Loan = Annual Turnover × 20%
Example:
Turnover: ₹30,00,000
Eligibility (20%): ₹6,00,000
2. FOIR Based EMI Eligibility
FOIR ka matlab hota hai: Fixed Obligation to Income Ratio
Isme dekha jaata hai ki aapka monthly income kitna hai aur usme se kitna EMI afford ho sakta hai.
✅ Eligible EMI = (Monthly Income × FOIR%) – Existing EMIs
Example:
Monthly Profit: ₹3,00,000
FOIR: 60%
Existing EMI: ₹30,000
Eligible EMI: ₹1,80,000 – ₹30,000 = ₹1,50,000
Is EMI ke basis pe aap ₹41.4 lakh tak ka loan le sakte hain (assuming 18% ROI & 3 years).
👉 Check EMI Based Loan Eligibility
3. Secured Business Loan (Loan Against Property)
Agar aap apni property mortgage karte hain, to eligibility hoti hai:
✅ Eligible Loan = Property Value × 60–70% (LTV)
✅ DSCR ≥ 1.2–1.5
Example:
Property Value: ₹1 Cr
Loan Eligibility: ₹60–70 Lakh
👉 Apply for Loan Against Property
4. Working Capital Loan Eligibility
Overdraft ya CC chahiye to:
✅ Limit ≈ 20–25% of Annual Turnover
Ya
✅ Limit = Current Assets – Current Liabilities
👉 Apply for Working Capital Loan
Documents Required
- PAN & Aadhaar
- Business Address Proof
- Last 6 months bank statement
- 2 years ITR
- GST Certificate (if available)
- Shop Act / Udyam / MSME Certificate
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Conclusion
Business loan eligibility samajhna mushkil nahi — sirf sahi income, turnover aur documents hone chahiye. CompareEMI.in se aap compare karke best offer select kar sakte hain – fast, easy, and free!