While a large part of the Indian work force is Self-employed, this category of loan seekers has been largely ignored by banks and financial entities.

The reasons range from variable or irregular monthly income and lack of proper documentation to support their real financial status, even when they are eligible for credit. Baid Leasing and Finance Co. Ltd. understand these ground realities and has evolved new processes that facilitate the assessment of income for self employed individuals.

This enables us to extend various loans on fair terms even to those who might otherwise remain ineligible for a loan. We acknowledge the sheer effort and hard work that is typical of such individuals.

MSME Loan Amount

You can avail of an Loan up to Rs. 25,00,000/- but not exceeding 50% of the cost of property. The actual loan amount is determined after assessing the individuals requirement and his repayment capacity based on various factors like;


The self employed person should be less than 65 years of age.


The applicant is self employed /trader or engaged in service industry.


The applicant should have been in the same line of business for a minimum period of 3 years or should have inherited the business from parents.


Sales Tax Registration or any other registration of business required by statutory authorities / local laws is mandatory.


The EMI that you would be paying to repay the loan depends on factors like Quantum of loan, Interest rates applicable & the tenure you have taken the loan for.

To calculate the indicative EMI on your loan you can use our EMI Calculator

Applicant and Co-Applicant:

MSME Loans can only be applied jointly. The Co-Applicant may or may not be a Co-owner of the property. However all the Co-owners of the property must be a Co-Applicant. Co-Applicants should be immediate family members like Siblings, Spouse, Parents or Children*.

For more information, you can click on “Apply for Loan” button on the right side and provide your details.

You may also walk in to the nearest Baid Leasing and Finance Co. Ltd. branch in your city.

To Know complete list of Baid Finserv Limited. branches in your state, please click here

**Credit extended at the sole discretion of Baid Finserv Limited *Terms & Conditions apply

Grow your business with our MSME loans.

Any entrepreneur intending to start a small or medium enterprise is eligible for MSME loans. Take the advantage of our finance options to expand your business. Baid Leasing and Finance Company Limited will be by your side for all your financial needs.


Interest Rate

15* years

Loan Tenure

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