Msme loan calculation procedure

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I had gone through the MSME loan process with Capital Small Finance Bank, so here’s how the calculation works in simple terms. The bank looks at your business turnover, cash flow, credit history, and existing liabilities to decide the loan amount you’re eligible for. They also check your Udyam registration, PAN, Aadhaar, bank statements, and GST returns. Based on this, they calculate how much you can borrow and what EMI you can comfortably repay.

In my case, they explained the interest rate, tenure options, and gave me a clear EMI schedule before sanctioning the loan, which made it easy to plan finances. The whole process was pretty transparent and quick.

You can find more details directly here: https://www.capitalbank.co.in