---
title: Indifi - Business Loans for MSMEs in India | Up to INR 50 Lakhs
canonical: https://www.indifi.com
markdown_version: https://www.indifi.com/index.md
description: Indifi is India's leading MSME lending platform. Apply for collateral-free business loans up to INR 50 lakhs. Fast approval, minimal documentation, 400+ cities.
content_type: homepage
operator: Indifi Technologies Pvt. Ltd.
lending_entity_note: Loans facilitated through RBI-registered NBFC partners and through Indifi Capital Private Limited (RBI Cert. No. B-14.03389)
last_updated: 2026-06-01
---

# Indifi - Business Loans for MSMEs in India

> Indifi is India's leading digital lending platform for Micro, Small, and Medium Enterprises (MSMEs). It connects small business owners with collateral-free loans up to INR 50 lakhs through a fast, technology-driven process. Indifi has disbursed over 100,000 loans across 400+ cities and works with 15+ NBFC and bank lending partners.

## What Indifi Offers

- **Business Loans** - Collateral-free loans up to INR 50 lakhs for MSMEs
- **Term Loans** - Fixed-tenure loans for business expansion and capex
- **Working Capital Loans** - Short-term loans to manage daily operations
- **Line of Credit** - Revolving credit facility; pay interest only on amount used
- **Invoice Discounting** - Unlock cash from unpaid invoices
- **Merchant Cash Advance** - Advances against POS/card transaction history
- **Loan Against Property** - Secured loans against commercial or residential property
- **IndifiPay** - Digital payment and financial services for small businesses

## Key Numbers

| Metric | Value |
|---|---|
| Maximum loan amount | INR 50 lakhs |
| Interest rate | Starting at 1.5% per month |
| Loan tenure | Up to 36 months |
| Disbursal time | Within 48-72 hours of approval |
| Cities served | 400+ |
| Loans disbursed | 100,000+ |
| Lending partners | 15+ |

## Who Indifi Serves

Indifi specializes in lending to small businesses in the following sectors:

- **E-commerce** - Amazon, Flipkart, and other marketplace sellers
- **Travel** - Travel agents and tour operators
- **Hotels and Hospitality** - Hotel owners and hospitality businesses
- **Restaurants** - Food service businesses and cloud kitchens
- **Retail** - Shop owners and retail store operators
- **Healthcare** - Clinics, pharmacies, diagnostic centers
- **Logistics and Transportation** - Freight, courier, and transport businesses
- **Textiles** - Garment manufacturers and traders
- **Kirana Stores** - Neighborhood grocery and general stores
- **Construction** - Small contractors and builders

## Core Eligibility (All Products)

- GST-registered business with active GST filings
- Minimum 1 year of business operation
- Promoter age between 22 and 65 years
- Indian nationality

## How Indifi Works

1. **Apply online** - Submit basic business and personal details
2. **Upload documents** - KYC, bank statements, GST certificates
3. **Get approval** - Decision within 72 hours
4. **Receive funds** - Direct credit to business bank account

## Lending Partners

Indifi works with 15+ RBI-regulated lenders including:
- Aditya Birla Capital
- IDFC First Bank
- IIFL Finance
- DMI Finance
- Ugro Capital
- Incred Finance
- And Indifi Capital Pvt. Ltd. (in-house NBFC, RBI Cert. No. B-14.03389)

## Key Pages

- [Business Loan](https://www.indifi.com/business-loan)
- [MSME Loan](https://www.indifi.com/msme-loans)
- [Term Loan](https://www.indifi.com/term-business-loans-online-india)
- [Working Capital Loan](https://www.indifi.com/working-capital-loans-india)
- [Invoice Discounting](https://www.indifi.com/invoice-discounting-companies-in-india)
- [Merchant Cash Advance](https://www.indifi.com/merchant-cash-advance-loan)
- [Loan Against Property](https://www.indifi.com/loan-against-property)
- [Business Loan Interest Rate](https://www.indifi.com/business-loan/interest-rate)
- [EMI Calculator](https://www.indifi.com/business-loan/emi-calculator)
- [Partner with Indifi](https://www.indifi.com/partner)
- [About Indifi](https://www.indifi.com/about-us)
- [FAQ](https://www.indifi.com/faq)

## About Indifi

Indifi Technologies Pvt. Ltd. is a digital lending platform headquartered in Gurugram, India. Indifi originates loans through its technology platform and funds them via its in-house NBFC (Indifi Capital Pvt. Ltd., RBI Cert. No. B-14.03389) and partner lenders including Aditya Birla Capital, IDFC First Bank, IIFL, DMI Finance, Ugro Capital, and Incred. Indifi has disbursed 100,000+ loans across 400+ cities in India, specializing in lending to MSMEs in travel, hotels, e-commerce, restaurants, retail, and trading sectors.

**Registered office:** Plot-19, Ground Floor, Block C, Sewa Tower, Sector-18, Phase-4, Udyog Vihar, Gurugram, Haryana-122015, India

## Disclaimer

Loan approval is subject to eligibility assessment, credit due diligence, and Indifi's internal underwriting policies. Interest rates, processing fees, and other charges are indicative and may vary based on the borrower's profile and lender. Indifi reserves the right to accept or reject any loan application without assigning a reason. Borrowers should review the final loan agreement before signing.