Transparent, Competitive, and Tailored for Your Business
At Rohini Financial Services, we understand that managing costs is crucial for every business. That’s why our Industry Loan comes with flexible interest rates, minimal charges, and complete transparency — ensuring you get the best value for your financial needs.
💰 Industry Loan Interest Rates
Our interest rates are designed to match the scale and nature of your business operations. The rate you receive depends on your credit profile, turnover, and repayment capacity.
| Applicant Type | Interest Rate (per annum) |
|---|---|
| Small & Medium Industries | 10.50% – 15.50% |
| Manufacturing Units | 11.00% – 16.00% |
| Industrial Traders | 12.00% – 17.50% |
| Large Enterprises | 10.00% – 14.00% |
💡 Note: Final rates depend on business performance, credit score, and loan tenure.
⚙️ Additional Charges
| Type of Charge | Details |
|---|---|
| Processing Fee | Up to 2% of loan amount (plus applicable taxes) |
| Foreclosure / Prepayment Charges | 2% – 4% on the outstanding balance (after 6 months of repayment) |
| Late Payment Fee | 2% per month on overdue EMI |
| Documentation Fee | Nominal and one-time |
| Cheque / ECS Bounce Charge | ₹500 per instance |
📊 Factors That Affect Your Interest Rate
- Business Stability: Long-term, consistent operations qualify for better rates.
- Credit Score: A score above 700 ensures lower rates and faster approval.
- Annual Turnover: Higher revenue can improve your loan terms.
- Loan Tenure: Shorter repayment periods may have slightly lower rates.
- Collateral (if applicable): Secured loans often come with reduced interest.