ojas.loansby Chitram.AI
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Credit for every stage of your venture

Every product below is matched by a named consultant and underwritten by a regulated lender. Rates are indicative and subject to lender underwriting — Ojas is a lending service provider, never the lender, and your loan money moves between you and the lender directly.

Working capital

  • No collateral

    Working-capital demand loan

    Bridge daily operations and seasonal spikes without touching growth capital.

    Amount
    ₹2,00,000 – ₹50,00,000
    Rate
    14.5%–22% p.a. indicative
    Tenure
    12–36 months
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Term

  • No collateral

    Business term loan

    Fund expansion, fit-outs, and long-horizon growth with fixed EMIs.

    Amount
    ₹5,00,000 – ₹2,00,00,000
    Rate
    13%–20% p.a. indicative
    Tenure
    24–84 months
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Equipment

  • No collateral

    Machinery & equipment loan

    Buy the machine first — the machine itself backs the loan.

    Amount
    ₹3,00,000 – ₹1,50,00,000
    Rate
    12%–19% p.a. indicative
    Tenure
    12–72 months
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Receivables

  • No collateral

    Invoice discounting

    Unlock cash stuck in 30–90 day invoices from corporate buyers.

    Amount
    ₹1,00,000 – ₹1,00,00,000
    Rate
    14%–24% p.a. indicative
    Tenure
    1–6 months
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Secured

  • Collateral-backed

    Loan against property (business end-use)

    Larger tickets and longer tenures against residential or commercial property.

    Amount
    ₹10,00,000 – ₹5,00,00,000
    Rate
    9.5%–14% p.a. indicative
    Tenure
    60–180 months
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Government scheme

  • CGTMSENo collateral

    CGTMSE collateral-free term loan

    Collateral-free credit for micro and small enterprises under the CGTMSE guarantee.

    Amount
    ₹5,00,000 – ₹2,00,00,000
    Rate
    10%–16% p.a. indicative
    Tenure
    12–84 months
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  • PMMYNo collateral

    Mudra loan (PMMY)

    Government-backed credit for micro enterprises, up to ₹10 lakh.

    Amount
    ₹50,000 – ₹10,00,000
    Rate
    9%–14% p.a. indicative
    Tenure
    12–60 months
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Franchise

  • No collateral

    Franchise-fee funding

    Fund the franchise fee and launch stock for your next unit.

    Amount
    ₹5,00,000 – ₹1,00,00,000
    Rate
    14%–21% p.a. indicative
    Tenure
    24–72 months
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  • Collateral-backed

    Venture acquisition loan

    Buy an operating business with the cash flows to repay the purchase.

    Amount
    ₹25,00,000 – ₹5,00,00,000
    Rate
    13%–19% p.a. indicative
    Tenure
    36–120 months
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Founder personal

Micro enterprise

  • No collateral

    Micro-enterprise group loan

    Group-backed working credit for community-scale operators.

    Amount
    ₹25,000 – ₹5,00,000
    Rate
    18%–26% p.a. indicative
    Tenure
    6–36 months
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Project finance

  • Collateral-backed

    Project finance with DPR support

    Bankable project loans with detailed-project-report preparation support.

    Amount
    ₹50,00,000 – ₹25,00,00,000
    Rate
    10.5%–15% p.a. indicative
    Tenure
    60–180 months
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Not sure which product fits?

Check your eligibility in two minutes, or let an advisor map your requirement. Rates are indicative and set by the lender's underwriting — money always moves between you and the regulated lender directly.

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