Check minimum income required for a ₹25 Lakh business loan. EMI starts ₹53,426/month. Compare 28+ banks.
To get a ₹25 Lakh business loan, you need a minimum monthly income of approximately ₹1,33,565 (at the lowest rate of 10.25% for 5 years, assuming no existing EMIs).
| Bank | Rate | Monthly EMI | Min Income Required | Processing Fee |
|---|---|---|---|---|
| Tata Capital | 13.00 - 20.00% | ₹56,883 | ₹1,26,407/mo | 2% + GST |
| Bank of Baroda | 10.25 - 14.65% | ₹53,426 | ₹1,27,205/mo | 1% of loan amount + GST |
| Canara Bank | 10.85 - 14.85% | ₹54,169 | ₹1,28,974/mo | 1% + GST |
| Bajaj Finserv | 14.00 - 26.00% | ₹58,171 | ₹1,29,269/mo | Up to 3.50% |
| L&T Finance | 14.00 - 22.00% | ₹58,171 | ₹1,29,269/mo | 2% + GST |
| SBI | 11.00 - 14.75% | ₹54,356 | ₹1,29,420/mo | 1% of loan amount + GST |
| Union Bank | 11.00 - 14.00% | ₹54,356 | ₹1,29,420/mo | 1% + GST |
| Indian Bank | 11.15 - 13.65% | ₹54,543 | ₹1,29,865/mo | 1% + GST |
| Bank of India | 11.25 - 14.75% | ₹54,668 | ₹1,30,162/mo | 1% + GST |
| Mahindra Finance | 14.50 - 22.00% | ₹58,821 | ₹1,30,714/mo | 2% + GST |
| PNB | 11.50 - 14.50% | ₹54,982 | ₹1,30,910/mo | 1% + GST |
| IDBI Bank | 11.50 - 14.00% | ₹54,982 | ₹1,30,910/mo | 1% + GST |
| Central Bank | 11.50 - 14.50% | ₹54,982 | ₹1,30,910/mo | 1% + GST |
| Muthoot Finance | 15.00 - 24.00% | ₹59,475 | ₹1,32,167/mo | 2% + GST |
| Piramal Finance | 15.00 - 24.00% | ₹59,475 | ₹1,32,167/mo | 2% + GST |
| Hero FinCorp | 15.00 - 22.00% | ₹59,475 | ₹1,32,167/mo | 2% + GST |
| Manappuram Finance | 16.00 - 26.00% | ₹60,795 | ₹1,35,100/mo | 2.50% + GST |
| HDFC Bank | 11.50 - 18.00% | ₹54,982 | ₹1,37,455/mo | Up to 2% of loan amount |
| South Indian Bank | 11.50 - 15.00% | ₹54,982 | ₹1,37,455/mo | 1% + GST |
| Federal Bank | 12.00 - 16.50% | ₹55,611 | ₹1,39,028/mo | 1.50% + GST |
| Karur Vysya Bank | 12.00 - 16.00% | ₹55,611 | ₹1,39,028/mo | 1% + GST |
| IDFC First Bank | 12.50 - 22.00% | ₹56,245 | ₹1,40,613/mo | 2% + GST |
| ICICI Bank | 13.50 - 19.00% | ₹57,525 | ₹1,43,813/mo | Up to 2.50% |
| Yes Bank | 13.50 - 20.00% | ₹57,525 | ₹1,43,813/mo | 2% + GST |
| Kotak Mahindra Bank | 14.00 - 19.99% | ₹58,171 | ₹1,45,428/mo | 2.50% of loan amount |
| IndusInd Bank | 14.00 - 22.00% | ₹58,171 | ₹1,45,428/mo | 2% + GST |
| Axis Bank | 14.25 - 19.20% | ₹58,495 | ₹1,46,238/mo | 2% of loan amount |
| Bandhan Bank | 14.50 - 20.00% | ₹58,821 | ₹1,47,053/mo | 2% + GST |
The EMI for ₹25 Lakh business loan at 10.25% for 5 years is approximately ₹53,426 per month.
You need a minimum monthly income of approximately ₹1,33,565 for a ₹25 Lakh business loan at 10.25% interest rate (assuming no existing EMIs and 40% FOIR).
The lowest interest rate for ₹25 Lakh business loan starts from 10.25% p.a. in 2026. Compare all banks above.
With a ₹30,000 monthly salary and no existing EMIs, your maximum business loan eligibility at 10.25% for 5 years is approximately ₹5.62 L.
The total interest on ₹25 Lakh business loan at 10.25% for 5 years is approximately ₹7.06 L.