MSME Loan Interest Rates & Charges
At Rohini Financial Services, we ensure that micro, small, and medium enterprises get access to affordable credit with complete transparency. Our MSME Loan interest rates and charges are designed to suit diverse business needs without hidden costs.
MSME Loan Interest Rates
- Interest Rate Range: Starting from 10% to 18% p.a. (varies based on business profile, credit score, and lender).
- Type of Interest: Fixed or reducing balance, depending on loan structure.
- Factors Affecting Rate:
- Applicant’s credit score
- Business turnover & profitability
- Loan amount & tenure
- Collateral availability (secured/unsecured)
MSME Loan Charges
1. Processing Fee
Typically 1% to 3% of the loan amount (one-time, deducted upfront).
2. Prepayment/Foreclosure Charges
Generally 2% to 5% of the outstanding principal, depending on lender policy.
3. Penal Interest
Extra interest charged on delayed EMI payments (2% to 3% above regular rate).
4. Other Charges (if applicable)
Documentation charges
Legal/valuation charges (in case of secured loans)
GST applicable on all fees and charges
Why Rohini Financial Services?
- Competitive Rates – We connect you with lenders offering the best MSME loan deals.
- Transparent Process – No hidden charges, complete clarity before disbursal.
- Customized Options – Interest rates tailored to your business profile.
- Wide Lender Network – Access multiple banks & NBFCs through a single platform.