MSME Loan
Tailored credit for registered micro, small and medium enterprises — designed around the specific eligibility norms and government-backed schemes available to MSMEs.
For Udyam-registered micro, small and medium enterprises
If your business holds MSME/Udyam registration, you may have access to preferential loan terms, government scheme benefits, and faster processing through lenders who specifically serve this segment.
Do you qualify?
- Valid Udyam/MSME registration
- Business vintage as per lender criteria
- GST returns and bank statements in order
- No major defaults on existing credit
What you'll need to send
Send these directly on WhatsApp — one by one or all together. We'll let you know what's verified and what's still pending as you go.
- Udyam registration certificate
- Aadhaar & PAN card
- GST registration & GSTR-3B (last 6 months)
- Bank statements (last 6 months)
- Balance sheet (last 1–2 years)
- Income tax returns (last 2 years)
Why apply for this through Ikaya
Scheme-linked benefits
MSME registration can unlock government-backed schemes like CGTMSE that improve your approval odds.
Lender familiarity
Many of our partner banks have dedicated MSME lending desks — we route you there directly.
Structured for your scale
Loan products are sized appropriately for micro and small enterprise turnovers, not generic corporate criteria.
Common questions
Do I need Udyam registration to apply?
Yes, MSME-specific loan products require valid Udyam registration. We can guide you on registering if you haven't yet.
Are interest rates lower for MSME loans?
Many MSME-focused lenders and government-backed schemes offer preferential rates, though final terms depend on your profile and the specific lender.
Ready to check what you're eligible for?
Send your business details on WhatsApp — get an estimate in minutes.
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