Transparent Rates. Fair Terms. Trusted Partnership.
At Rohini Financial Services, we believe in offering clear, competitive, and customer-friendly loan options. Our Commercial Loan Interest Rates and Charges are designed to help your business grow without hidden costs or unnecessary financial stress.
We ensure that every borrower understands the cost of borrowing upfront — giving you full transparency and confidence in your financial planning.
Current Commercial Loan Interest Rates
Our commercial loan interest rates are flexible and depend on factors such as business profile, loan amount, and repayment tenure.
| Loan Type | Interest Rate (per annum) | Loan Tenure |
|---|---|---|
| Secured Commercial Loan | 10.50% – 14.50% | Up to 15 years |
| Unsecured Commercial Loan | 13.00% – 18.00% | Up to 7 years |
| Working Capital / Overdraft Facility | 11.00% – 16.00% | Renewable annually |
| Equipment / Machinery Finance | 10.25% – 14.00% | Up to 10 years |
💡 Note: Interest rates are subject to change based on applicant profile, business performance, loan amount, and market conditions.
Factors Affecting Interest Rates
Your final commercial loan interest rate depends on several key factors, including:
Business financial performance and stability
Loan amount and repayment tenure
Type of loan (secured or unsecured)
Credit score and repayment history
Collateral value (if applicable)
Current market rates and policies
Our financial advisors will guide you through all applicable rates to ensure you receive the most competitive offer available.
Commercial Loan Charges & Fees
At Rohini Financial Services, we maintain complete transparency in all charges. Below is a breakdown of standard applicable fees:
| Charge Type | Details |
|---|---|
| Processing Fee | Up to 2% of the loan amount (plus applicable taxes) |
| Prepayment / Foreclosure Charges | 2% – 4% on prepaid amount (waived for certain cases) |
| Late Payment Charges | 2% per month on overdue EMI |
| Loan Renewal / Restructuring Fee | Based on case evaluation |
| Documentation / Legal Charges | Actuals as applicable |
| Cheque Bounce / ECS Return Charges | ₹500 per instance |
📝 All charges will be clearly mentioned in your loan agreement. There are no hidden costs.