Free tool

Loan eligibility checker

Four questions, one honest answer: which product families typically fit a profile like yours. Your answers are shared with nobody — the calculation runs in your browser, there is no account, no credit-bureau pull, and nothing you enter is sent to us or stored anywhere. Like every page here, this one is built to load our analytics, which is told only that you opened it and never what you typed; the privacy policy spells that out. Every rule the checker uses is written out below it, so you can disagree with the reasoning rather than just the answer.

How we estimate this

The checker is a short list of transparent rules — not a scoring model, not a credit check, and never a promise of approval.

Your chosen loan purpose always leads the readout — the shelf carries products for every family we list.
Businesses under a year old are pointed at scheme-backed routes (Mudra, CGTMSE) and micro-enterprise products, because most conventional working-capital and term lenders want 12+ months of operations and bank statements.
Sub-₹10-lakh-turnover operations are additionally matched to micro-enterprise products, which carry lighter documentation.
For working-capital purposes we show the common sizing rule of thumb — lenders typically size limits at roughly 20–25% of annual turnover.
Larger billers (₹2 crore+ turnover) asking for working capital are also shown receivables finance, since discounting clean invoices often frees cash without new term debt.

The readout is illustrative only — a lender's underwriting decides, and a named consultant can confirm your options before you approach one. Ojas Loans is a lending service provider, is never the lender, and has no lender empanelled today, so nothing here is an application or an introduction.

Want a person to read it with you?

The two-minute enquiry puts your profile in front of a named consultant, who calls back within one working day and tells you which family of credit fits, what to assemble, and when the honest answer is not yet. That enquiry does leave your browser. Your answers here never do.

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