Why Svakarma Samridhi Loan?

Our GST return Loan is a simplified and straight through process(STP) loan product designed specifically for business owners. Use your GST returns as the primary indicator of your business's financial health.

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  • Business loans are designed for your unique needs.
  • Flexible Collateral options such as insurance policies, fixed deposits, properties, and business assets including plant and machinery
  • Long-term financial stability with our extended tenors
  • Direct payments to machine and equipment vendors


Samridhi Loan Highlights
Interest Rate 24 to 30 % (on a reducing principal balance basis)
Loan Amount Rs 5 lakhs to Rs 25 lakhs
Tenor 1 year to 5 years
Processing Fee 2.5%
Machine Valuation Charges as Applicable
Login Fees Where Applicable

Documents Required for Loan

Bank Statement

Bank statement of the Enterprise and Proprietors / Partners

Bank Statement

Udayam Registration Certificate

Bank Statement

Shops & Establishment Registration

Bank Statement

Electricity Bill of the Business*

Bank Statement

Income Tax Return

Bank Statement

Pan Card and Aadhar Card of the Proprietors / Partners

Bank Statement

GST Returns

* Rent agreement to be provided along with electricity bill if business premises is rented premises

Frequently Asked Questions (FAQs) for Loan

A Samridhi loan is a type of loan that is based on the GST returns of a small business. Instead of traditional credit scores or financial statements, the loan amount is determined by the GST returns of the business.

Business owners who are registered for GST and have filed their GST returns regularly are eligible for a GST return-based loan.

In addition to the business and proprietor / partner KYC documents and bank statements, you will need to submit your GST returns for the last 12 months.

We are very flexible in our collateral requirements. The collaterals we accept are insurance policies, fixed deposits, open plot of NA land, self occupied residential property and current assets.

Yes, you can use your GST return based loan amount to meet your business needs for both working capital as well as asset / machinery purchase.

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