Free tool

Loan eligibility checker

Four questions, one honest answer: which product families typically fit a profile like yours. No score, no credit-report pull, nothing leaves your browser — and every rule we use is written out below the tool.

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 indicative only — a regulated lender's underwriting decides, and a named consultant confirms your actual options before anything moves. Ojas Loans is a lending service provider, not the lender.

Skip straight to the real answer

The two-minute enquiry puts your profile in front of a named consultant, who calls back within one working day with the options a lender will actually underwrite.

Check eligibility Talk to an advisor