Small Udyog Loan Interest Rate and Charges – Rohini Financial Services
At Rohini Financial Services, we believe in transparency and affordability. Our Small Udyog Loan is designed to provide small and medium enterprises (SMEs) with easy access to finance at competitive rates — without hidden costs or complicated terms.
💰 Interest Rates
Starting from: 9% per annum
Maximum Rate: Up to 18% per annum (depending on credit profile and business stability)
Interest Type: Fixed or reducing balance basis, as per loan agreement
Note: The actual rate offered may vary based on loan amount, tenure, credit score, and business performance.
📄 Other Applicable Charges
| Charge Type | Details |
|---|---|
| Processing Fee | 1% – 2% of the loan amount (one-time) |
| Documentation Charges | As applicable, minimal and transparent |
| Prepayment Charges | 2% – 4% of the outstanding amount (if closed before tenure) |
| Late Payment Penalty | 2% per month on the overdue EMI amount |
| Foreclosure Option | Available after 6 months of regular repayment |
| Cheque / ECS Bounce Charge | ₹500 per bounce (varies by lender policy) |
⚙️ Factors Affecting Interest Rates
Applicant’s Credit Score – Higher scores (700+) get lower rates.
Business Vintage – Older, stable businesses are considered lower risk.
Loan Amount & Tenure – Larger or longer loans may have adjusted rates.
Financial Performance – Turnover, profit margins, and repayment history influence rates.
Collateral (if any) – Secured loans may attract better interest terms.
🌟 Why Choose Rohini Financial Services
Transparent pricing with no hidden costs
Flexible repayment and part-payment options
Personalized loan offers based on your business profile
Expert guidance for rate negotiation and best-fit lenders
🚀 Start Smart, Grow Confidently
Get the funds you need with affordable interest rates and flexible terms.
With Rohini Financial Services, your Small Udyog Loan becomes the perfect tool to grow and scale your business.
📞 Contact Us Today or 💻 Apply Online to get a customized quote for your Small Udyog Loan.