State	GST Number
Tamil Nadu	33AAFCV0954Q1ZV
Puducherry	34AAFCV0954Q2ZS
Karnataka	29AAFCV0954Q1ZK
West Bengal	19AAFCV0954Q1ZL
Odisha	21AAFCV0954Q1ZO
Telangana	36AAFCV0954Q1ZP
Madhya Pradesh	23AAFCV0954Q1ZW
Andhra Pradesh	37AAFCV0954Q1ZN
Jharkhand	20AAFCV0954Q1Z2
Chhattisgarh	22AAFCV0954Q1ZY
Bihar	10AAFCV0954Q1Z3

For Urban Businesses

Working Capital Loans

Working capital solutions to grow and sustain you urban business

Quick Approval Process Icon

Minimal Documentation

Flexible Loan Amounts Icon

Transparent pricing

Loan Amount ₹1Lakh - ₹5 Lakh

Tenure 36 Months

Interest Rate Starting from 15% p.a.

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Why Choose Working Capital Loans?

Designed for urban businesses with features that support growth and operations.

Quick Processing

Faster approval and disbursement for urban businesses

Minimal Paperwork

Simple documentation process with digital verification

Working Capital Support

Cover payroll, inventory, marketing, and operational costs

Flexible Tenure

Choose repayment period from 12 to 36 months

Unsecured Options

Collateral-free loans available up to ₹5 Lakh

Quick Disbursal

Get funds in your account within 48 hours of approval

Eligibility And Documents

Eligibility Documents Required

The eligibility for Urban loans depends upon various factors including the following important ones:

Established urban businesses with 2+ years of operation

Retailers, traders, manufacturers, and service providers

Self-employed professionals and business owners

GST registered businesses preferred

Age: 21-65 years at loan maturity

Good credit history and repayment capacity

Please keep the following documents ready when submitting your loan application:

Identity Proof

→ Aadhaar Card
→ PAN Card
→ Passport

Address Proof

→ Aadhaar Card
→ Utility Bills
→ Property Documents

Business Proof

→ GST Registration
→ Shop License
→ Trade License
→ Company Registration

Financial Documents

→ Bank Statements (12 months)
→ ITR (2 years)
→ Balance Sheet

Apply in 4 Simple Steps

Get your loan sanctioned quickly

Apply Online Submit your application online or visit a branch

Document Verification Upload or submit required documents

Verification Quick verification and credit assessment

Disbursement Funds transferred to your account

Start Your Application

Frequently Asked Questions

Find answers to common questions about MSME Urban Loans

MSME Urban Loan is designed for small and medium businesses operating in urban areas. It provides working capital to cover operational expenses like payroll, inventory, marketing costs, and business expansion.

You can avail loans ranging from ₹2 Lakh to ₹50 Lakh depending on your business turnover, financials, and credit profile.

For loans up to ₹15 Lakh, we offer collateral-free options. For higher amounts, property or other assets may be required as security.

For loans up to ₹10 Lakh, no collateral is required. For higher amounts, property or other assets may be required as security.

Basic KYC documents, business proof (GST, Trade License), bank statements for 12 months, and ITR for 2 years are typically required.

With complete documentation, loan approval typically takes 3-5 business days. Disbursement happens within 2 days of approval.

Yes, MSME Urban Loan can be used for working capital, inventory purchase, business expansion, equipment purchase, or any legitimate business need.

EMIs can be paid via auto-debit, UPI, net banking, or at any Veritas branch. Tenure options range from 12 to 60 months.

Prepayment is allowed after completing 6 EMIs. A foreclosure charge of 2-4% may apply depending on the outstanding amount.