Business loan · Najafgarh
Loan Lene Ka Sahi Tarika
Business loan in Najafgarh for market shops and traders
Najafgarh runs on its market. If your shop or trading firm has a couple of years of returns behind it, an unsecured business loan can fund stock, a fit-out or a second counter without pledging your house.
◆ ProperPaisa promise ◆
₹0 fee · Doorstep documents
Just your name and number. Your advisor calls you back on working days.
Business loan at a glance
- Starting rate10.60%*p.a., for eligible profiles
- Loan amount₹5 lakh – ₹10 crore
- TenureUp to 7 yrs
- Our fee₹0Plus processing fee refund up to ₹7,670 from ₹10 lakh*
*Starting rate as of October 2026 for eligible profiles; rates change from time to time. Final rate, amount, fees and approval are decided by the lender based on your profile.
Who it suits in Najafgarh
Shopkeepers in Najafgarh main market
Kirana, hardware and cloth shops that bank their sales can fund a bigger stock order before the wedding season, repaid in fixed EMIs.
Traders and wholesalers on the main roads
If you supply shops in the villages around, a term loan can add a delivery vehicle or godown space. Lenders will read your current account closely.
Professionals with a practice in town
Doctors, chemists and CAs with filed ITRs can borrow for equipment or a clinic upgrade. Your advisor checks which lenders read professional income well.
Good to know in Najafgarh
- Lenders want the business to be at least 2 years old, with turnover of ₹30 lakh or more and a CIBIL score of 700+.
- Cash-heavy shops often look small on paper. Lenders go by GST returns, ITR and bank credits, so the amount follows what's recorded, not what's sold.
- If you own your shop or house with clear papers, compare this against a loan against property too. It's secured, so it usually costs less over a longer term.
- Our advisor comes over from the Bahadurgarh office along Najafgarh Road to collect documents at your shop. There's no ProperPaisa office in Najafgarh, and you won't need one.
Lenders we compare
One application, compared across the lenders that fit your profile. Your loan agreement is always with the lender.
You share your details once — ₹0 fee
ProperPaisa (bank-authorized DSA) takes your file to the right lenders
Bank / NBFC sanctions the loan — your agreement is with them
Personal and business loans come from private banks and NBFCs only — not government banks.
HDFC BankPrivate bank
ICICI BankPrivate bank
Axis BankPrivate bank
Kotak Mahindra BankPrivate bank
IndusInd BankPrivate bank
Yes BankPrivate bank
IDFC FIRST BankPrivate bank
IDBI BankPrivate bank
Federal BankPrivate bank
RBL BankPrivate bank
Bandhan BankPrivate bank
AU Small Finance BankPrivate bank
Ujjivan Small Finance BankPrivate bank
Shivalik Small Finance BankPrivate bank
Standard CharteredPrivate bank
Deutsche BankPrivate bank
Bajaj FinanceNBFC
Tata CapitalNBFC
Aditya Birla CapitalNBFC
Poonawalla FincorpNBFC
L&T FinanceNBFC
IIFL FinanceNBFC
Cholamandalam FinanceNBFC
HDB Financial ServicesNBFC
Logos are trademarks of their owners and identify lenders we work with, directly or through our channel partner; they do not imply endorsement.
Check your EMI
Move the sliders to see your monthly EMI. Your advisor brings actual quotes from matched lenders.
Served from our Bahadurgarh — Rohtak Road office
Najafgarh is a short drive from Bahadurgarh along Najafgarh Road, well within our 60 km doorstep-service area. You are welcome to visit our head office on Rohtak–Delhi Road.
ProperPaisa — Bahadurgarh — Rohtak Road
Metro Pillar No. P-814, Shyamji Complex, L-2 Ground Floor, Rohtak-Delhi Rd, near HDFC Bank, Ram Nagar, Bahadurgarh, Haryana 124507
Mon–Sat, 9:30 AM – 6:30 PM · Sunday closed
99962 49019Directions in Google Maps →Business loan in Najafgarh: questions
My shop is in a Lal Dora area. Does that affect an unsecured loan?
Not much. An unsecured business loan isn't secured on the shop, so lenders focus on turnover, banking and credit history. The property's status matters only if you want a secured loan.
I file GST but my ITR shows a small profit. Will that hold me back?
It can reduce the amount. Lenders work out how much EMI your declared profit can carry, so a low ITR figure caps the loan even when sales are good.
Can I apply together with my father if we run the shop jointly?
Yes. Family-run shops often apply with a co-applicant, and adding a partner who is on the business papers is common. Each applicant's credit record is checked.
Is there a fee for using ProperPaisa?
Not from you. We're paid by the lender as its authorised partner. The lender's processing fee, if any, is in its offer before you sign.
ProperPaisa is not a lender. We are an authorised DSA (Direct Selling Agent) of our partner banks and NBFCs, directly or through our channel partner. Loans are sanctioned solely by the lender; rates, fees and approval depend on your profile and lender policy. ProperPaisa's service is ₹0 for customers. Coin and fee-refund benefits apply to qualifying disbursals only; T&C apply. Tanishq is a trademark of Titan Company Ltd. and Kalyan Jewellers of Kalyan Jewellers India Ltd.; coins are bought at retail and ProperPaisa is not affiliated with either.